Search found 731 matches

by TallBoy29er
Mon Nov 11, 2019 8:18 pm
Forum: Personal Consumer Issues
Topic: Organization supporting Veterans - Donation
Replies: 13
Views: 539

Re: Organization supporting Veterans - Donation

This is a great thread. Thank you for the wonderful ideas.
by TallBoy29er
Sun Nov 10, 2019 7:13 pm
Forum: US Chapters
Topic: U. S. Marine Corps Birthday
Replies: 22
Views: 1417

Re: U. S. Marine Corps Birthday

PecuniaryPeccary wrote:
Sun Nov 10, 2019 6:47 pm
Folks, is this post appropriate to the forum?
Any reason you feel it is inappropriate?

Thank you to all you who have served.
by TallBoy29er
Sat Nov 09, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 107
Views: 8729

Re: Seller's agent not letting us use a buyer's agent

Lots of off topic nonsense on this thread.

Write up an offer, and have your Redfin agent present it to the selling agent. I would file a complaint if the selling agent did not present it to the sellers. I would also expect the sellers would be more than upset.

Simple path forward.
by TallBoy29er
Fri Nov 08, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Should I Travel ot Ecuador?
Replies: 33
Views: 2058

Re: Should I Travel ot Ecuador?

DW and I are scheduled to fly to Ecuador in mid February for a trip to the Galapagos. Apparently there has been some issues there and currently there is a travel advisory due to "civil unrest". I have only sent a small deposit at this point but the full payment is due within three weeks, we do plan...
by TallBoy29er
Thu Nov 07, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Should I Travel ot Ecuador?
Replies: 33
Views: 2058

Re: Should I Travel ot Ecuador?

I've traveled to a few South American countries (Ecuador included), and it seems to me that this type of thing is relatively common. I would not let it deter me from traveling to Ecuador. And if the State Dept travel advisory is only level 2....blah, that is nothing, as the prior poster mentioned (a...
by TallBoy29er
Mon Nov 04, 2019 7:03 pm
Forum: Investing - Theory, News & General
Topic: Is it OK to take less risk and spend more money once you’ve reached your goals even if you are young?
Replies: 63
Views: 5421

Re: Is it OK to take less risk and spend more money once you’ve reached your goals even if you are young?

TomatoTomahto wrote:
Mon Nov 04, 2019 6:52 pm
stoptothink wrote:
Mon Nov 04, 2019 6:29 pm
Before attempting to answer this ambiguous question, should consider reading OP's previous threads.
Titles were enough. Thanks.
Curiosity killed the Cat TallBoy.
by TallBoy29er
Mon Nov 04, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: Is it OK to take less risk and spend more money once you’ve reached your goals even if you are young?
Replies: 63
Views: 5421

Re: Is it OK to take less risk and spend more money once you’ve reached your goals even if you are young?

stoptothink wrote:
Mon Nov 04, 2019 6:29 pm
Before attempting to answer this ambiguous question, should consider reading OP's previous threads.
Uh-oh, sounds loaded. Fact is, I'm too busy (inefficient multi-tasking) and not interested enough to pursue that course of action. :beer
by TallBoy29er
Mon Nov 04, 2019 6:26 pm
Forum: Investing - Theory, News & General
Topic: Is it OK to take less risk and spend more money once you’ve reached your goals even if you are young?
Replies: 63
Views: 5421

Re: Is it OK to take less risk and spend more money once you’ve reached your goals even if you are young?

I'm in a similar place as you financially, but tack on a few years. :D We still save a significant portion of income each year (habits are hard to break completely), but we no longer sweat the small, or even medium, stuff. Want to take a little nicer vacation to somewhere international? Giddyup. Fam...
by TallBoy29er
Mon Nov 04, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Increased income = Increased worry need direction
Replies: 4
Views: 754

Re: Increased income = Increased worry need direction

Congratulations, you are doing great! Having extra income to invest outside of tax advantaged space is a fantastic problem to have. Fact is, it's not a problem at all. Open a taxable investing account (TDAmeritrade, Vanguard, Schwab, Fidelity), and use that to maintain your asset allocation between ...
by TallBoy29er
Mon Nov 04, 2019 2:34 pm
Forum: Personal Investments
Topic: At the halfway mark, need help with 2 big decisions
Replies: 30
Views: 3161

Re: At the halfway mark, need help with 2 big decisions

Sometimes it is fun to re-frame a question and see if it helps clarify things. Ask yourself, if you were in Job B, making $120k/yr, with good people around you and low stress, and you saw a job posting for Job A, making $240k yr, with horrible hours, toxic culture, and no possibility to work remote,...
by TallBoy29er
Mon Oct 28, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: Where can I have photos scanned?
Replies: 22
Views: 11421

Re: Where can I have photos scanned?

Buy a Epson FF 680W, do it yourself and it can be done in a day or two. When done, sell the scanner to recover part of your cost. I just did this and am happy with the results. https://epson.com/For-Home/Scanners/Photo-Scanners/FastFoto-FF-680W-Wireless-High-speed-Photo-and-Document-Scanning-System...
by TallBoy29er
Fri Oct 25, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Option of Taking Inflation Adjusted Pension - Your Thoughts?
Replies: 6
Views: 551

Re: Option of Taking Inflation Adjusted Pension - Your Thoughts?

Quick question - is this for a single person, or is there a joint and survivor benefit?
by TallBoy29er
Sat Oct 19, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Photo Scanner (Recommendations Please)
Replies: 33
Views: 2001

Re: Photo Scanner (Recommendations Please)

OP, Lot’s of good advice up-thread. A bit off-topic from your question is what to do with the scanned images? 1. Agreed, storage is cheap so don’t worry about size but make sure you have BACKUPS (at least 2 copies, one on-site and the other off-site). Do this even if you are storing the photos in t...
by TallBoy29er
Fri Oct 18, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: Photo Scanner (Recommendations Please)
Replies: 33
Views: 2001

Re: Photo Scanner (Recommendations Please)

^^ Thanks for the questions, good thought provokers. I would guess about 700-1000 photos. That sounds brutal on a flatbed. Maybe a service is a way to go.....?
by TallBoy29er
Fri Oct 18, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Photo Scanner (Recommendations Please)
Replies: 33
Views: 2001

Photo Scanner (Recommendations Please)

Hola Mates.
Looking for a photo scanner to turn my paper photos into digital images, so I can be done with the former. I'd rather not spend a boatload (typical BH). Not that it matters, but I'll be storing in the cloud (google photos).

Any recommendations would be appreciated!
by TallBoy29er
Fri Oct 18, 2019 6:39 am
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 3857

Re: Moving my home landline phone number to MagicJack - good idea?

I have not used Magic Jack in years.

I set Ooma up for my mom a couple years ago, and have had zero problems and a great experience. I would use it again.
by TallBoy29er
Thu Oct 17, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: vacation home
Replies: 19
Views: 3170

Re: vacation home

My fear...is that the house will become a nice item for the cousins and siblings to argue and get divided about. Four owners of a single property can be very trying I imagine. I would sell the property, or my share of it, and avoid the trap.
by TallBoy29er
Wed Oct 16, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 8060

Re: Alternatives to Subaru Outback?

We own a 2019 Forester, and a 2010 Toyota Tundra. Fans of both brands. For space, the option I didn't see mentioned was a Toyota 4Runner. you could get a 2WD model. They are notoriously reliable. They also look SWEET. Sounds like the Subaru experience let you down. To your post, move on, don't live ...
by TallBoy29er
Wed Oct 16, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Toyota Extended Warranty
Replies: 13
Views: 1053

Re: Toyota Extended Warranty

Own a Toyota that just turned 10, and never had an issue.

The paint sealant question reminded me of a scene in Fargo. Maybe you should ask for the True Coat. :D
https://www.youtube.com/watch?v=B2LLB9CGfLs
by TallBoy29er
Wed Oct 16, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Show at Golden Nugget with "dynamic pricing"
Replies: 5
Views: 875

Re: Show at Golden Nugget with "dynamic pricing"

The Golden Nugget is not a bad hotel in and of itself. I've stayed there many times, and it's my goto when I am in Vegas. I like Fremont St, which is where this is. It's a fun scene, esp if you haven't been there. It's not near the strip if that's where you want to go, but it's a short Uber to get t...
by TallBoy29er
Tue Oct 15, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Invited to join HOA board. Pros/cons?
Replies: 58
Views: 4650

Re: Invited to join HOA board. Pros/cons?

This post has re-affirmed my decision to never live in an HOA community. I live next to a dilapidated house in the inner-city today, to an extent you would find difficult to believe. It doesn't bother me, or the neighbors. Move on, live life, avoid nosy neighbors telling us what we can and can't do.
by TallBoy29er
Tue Oct 15, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones presentation at the senior center
Replies: 44
Views: 6526

Re: Edward Jones presentation at the senior center

There's no end in trying to prevent bad things from happening to good people. I like your heart, but in practice I think there is really nothing you can do here while coming out a winner.
by TallBoy29er
Tue Oct 15, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: poor Boglehead sending my kids to college
Replies: 69
Views: 5814

Re: poor Boglehead sending my kids to college

One more tip for STEM, from someone who made the mistake I'm warning you about: be VERY cautious about using AP credits for math, physics, chemistry to actually skip the college versions. It is never quite the same, and you also miss making some of those important early connections w your peers in ...
by TallBoy29er
Tue Oct 15, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for vacation property in Colorado
Replies: 8
Views: 935

Re: Mortgage for vacation property in Colorado

You may want to qualify your question on if you would like wisdom on buying a second home, for vacation purposes, for over $1M. Because like it or not, you typically get opinions. I love Colorado. I hope you are getting off the beaten path, and not on the I-70 corridor. Madness, I tell you. Check ou...
by TallBoy29er
Mon Oct 14, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on dry cleaning?
Replies: 27
Views: 1505

Re: How much do you spend on dry cleaning?

Until about 5 years ago, had to wear dress pants and pressed shirt to work every day (w/ tie, jacket optional). Probably spent $35-$45/month on dry cleaning (I think shirts were maybe $1.50 per???).

Now...I'm in the happy land of polo's and khakis. Sweet blessings!!
by TallBoy29er
Sun Oct 13, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Office etiquette - gift to ex boss?
Replies: 10
Views: 749

Re: Office etiquette - gift to ex boss?

I love the idea of a handwritten note. Those are not the norm, but are totally acceptable, these days.

I've had drinks w/ my ex-boss. I would totally get him a bottle of wine. That said, our relationship would make that not awkward. Totally depends on how your relationship is w/ yours.
by TallBoy29er
Fri Oct 11, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5911

Re: Replace water heater just because it's old?

It depends on where it is located. When it rusts out, it will burst, and you will have water everywhere. It happened to me. I have a crawl space w/an underground pad, so no big deal. If it were in my home (eg a first floor utility closet), it would have been a friggin catastrophe. Think about the ab...
by TallBoy29er
Wed Oct 09, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 6224

Re: Hotel mini bar - rude to use for own stuff

It's fine...as long as you leave a tip Huh? I agree it's fine. I also tip for room service. But why exactly are you tipping to use a fridge provided for your convenience? (I may have misinterpreted sarcasm, sorry of that's the case :sharebeer ) Yes, you missed the sarcasm. Just a quip on the rash o...
by TallBoy29er
Wed Oct 09, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: Should I download Android 10?
Replies: 12
Views: 775

Re: Should I download Android 10?

Pixel 1 owner here. Works fine for me.
by TallBoy29er
Wed Oct 09, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 6224

Re: Hotel mini bar - rude to use for own stuff

stoptothink wrote:
Wed Oct 09, 2019 5:47 pm
It's fine...as long as you leave a tip
Huh? I agree it's fine. I also tip for room service. But why exactly are you tipping to use a fridge provided for your convenience? (I may have misinterpreted sarcasm, sorry of that's the case :sharebeer )
by TallBoy29er
Tue Oct 08, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 41
Views: 5988

Re: NY Times $1 per week digital

I'd get the WSJ instead. NYTimes doesn't really qualify as journalism. So Ferraris, re-runs, and tarantulas are journalism (7:13 pm ET, WSJ home page..."Want to Sit in This Ultra-Rare Ferrari? Just Ask", "Deja View: The Psychology Behind 'Rewatch'", "Don't be Alarmed by Armies of Tarantulas. They'r...
by TallBoy29er
Mon Oct 07, 2019 9:24 am
Forum: Personal Investments
Topic: TD or Schwab?
Replies: 19
Views: 1842

Re: TD or Schwab?

typical.investor wrote:
Sun Oct 06, 2019 10:41 pm

Anyway, how is TDA for 2FA? Is it only via a phone number?
I would love to be corrected on this, but TDA does not have 2FA. They do challenge response questions, but that is very different (and archaic).
by TallBoy29er
Thu Oct 03, 2019 7:42 pm
Forum: Investing - Theory, News & General
Topic: SPIA and your health
Replies: 25
Views: 2414

Re: SPIA and your health

Dottie57 wrote:
Thu Oct 03, 2019 6:03 pm
Cyclesafe wrote:
Thu Oct 03, 2019 4:51 pm

Dottie, sorry about your mom.
Thank you. One week you are worrying how to support mom if all the money is spent. The next week you wish you still had that worry.
So, so sorry. Lost dad 4 yrs ago. That was tough. I feel for you. Peace -
by TallBoy29er
Thu Oct 03, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Camper Trailers
Replies: 17
Views: 2220

Re: Camper Trailers

You all are awesome, thanks. KineticSync, much obliged on the thoughts about length, and payload capacity. That is good stuff.

I love this bar forum.
by TallBoy29er
Thu Oct 03, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Removing smoke odor from clothing
Replies: 20
Views: 1726

Re: Removing smoke odor from clothing

That's super cool. Time is going to be your friend on this one, based on what I've read. Tell your BF to stop getting his panties in a wad, and instead man-up and help. Or maybe you keep the furniture, and return the BF. :P :shock: :P https://www.doityourself.com/stry/cigarette-smoke-natural-ways-re...
by TallBoy29er
Wed Oct 02, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Camper Trailers
Replies: 17
Views: 2220

Camper Trailers

Alright, who here has owned a camper trailer that they've pulled behind a primary vehicle? I am looking at a 14-20 ft trailer to pull behind a Toyota Tundra 5.7L. The max tow capacity is 10,800 lbs, and the trailers I am looking at have a max gross weight of 7,000 lbs. I am looking toward the low en...
by TallBoy29er
Tue Oct 01, 2019 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Home repair - paying cash (dollar bills)
Replies: 60
Views: 5050

Re: Home repair - paying cash (dollar bills)

Tactical point overlooked so far. Some discount for cash is to be expected. There is an approx. 2-3% fee incurred by a merchant accepting credit cards. ACH via Zelle I do not know, but would expect little to no fee, so I can understand a discount for that as well.
by TallBoy29er
Fri Sep 27, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Road Scholar: Unannounced Itinerary Changes
Replies: 26
Views: 2955

Re: Road Scholar: Unannounced Itinerary Changes

No experience.

Did you charge it on a credit card? I would consider charging it back, as a last resort anyway. Hopefully you can come to terms w/ Road Scholar before you get to this point. Doesn't help you with insurance...which sounds pretty steep at $800??
by TallBoy29er
Fri Sep 27, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6285

Re: Do you wash berries?

Actually, this reminds me of a new family member who was horrified that I drank soda out of a can without washing the top of the can, another thing that never occurred to me. I typically give the top of the can a quick wipe with whatever shirt I'm wearing, very possibly creating more contamination ...
by TallBoy29er
Fri Sep 27, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6285

Re: Do you wash berries?

Definitely wash. But only right before you eat. Washing right after purchase and storing in the refridge shortens the life (they get moldy).

Also see: https://www.driscolls.com.au/faqs
by TallBoy29er
Thu Sep 26, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: HOA, Builder Screw-up and Greed – How Bad Could It Get?
Replies: 13
Views: 2435

Re: HOA, Builder Screw-up and Greed – How Bad Could It Get?

I've heard 'quid pro quo' a lot in the news lately. Maybe you could lightly mention a hotel the builder could stay at common area that would sure look nice spruced up, and see what happens. :mrgreen: That's a nice common area you have there. Shame if something were to happen to it. :P :P :D :P
by TallBoy29er
Thu Sep 26, 2019 7:16 pm
Forum: Personal Investments
Topic: Threw me a curve [unexpected layoff]
Replies: 36
Views: 5887

Re: Threw me a curve [unexpected layoff]

I forgot to include this in my response. Re keeping your 401k's, or consolidating, which would mean moving to an IRA. Personally, if the fees in the 401k's are not bad, and the options are ok, I would leave the funds there. Why? 401k's enjoy some slightly better protections than many IRA's. IRA pro...
by TallBoy29er
Thu Sep 26, 2019 7:01 pm
Forum: Personal Investments
Topic: Threw me a curve [unexpected layoff]
Replies: 36
Views: 5887

Re: Threw me a curve [unexpected layoff]

I forgot to include this in my response. Re keeping your 401k's, or consolidating, which would mean moving to an IRA. Personally, if the fees in the 401k's are not bad, and the options are ok, I would leave the funds there. Why? 401k's enjoy some slightly better protections than many IRA's. IRA pro...
by TallBoy29er
Thu Sep 26, 2019 6:42 pm
Forum: Personal Investments
Topic: Threw me a curve [unexpected layoff]
Replies: 36
Views: 5887

Re: Threw me a curve [unexpected layoff]

my main question is whether or not I would be better off rolling all my retirement savings into Vanguard funds in order to preserve wealth while taking $7500 to $12,000 per year in withdrawals Welcome to the forum. Consolidating your assets in an IRA would likely make sense. A Vanguard IRA is fine ...
by TallBoy29er
Thu Sep 26, 2019 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity rewards Visa, affiliate data sharing.
Replies: 11
Views: 1483

Re: Fidelity rewards Visa, affiliate data sharing.

Assume they share info. Chances are, if you read the cardholder agreement, they state explicitly that they can share data with their affiliates. Why would this impact your decision? Do you believe that your other cards, and their cardholder agreements, prevent this? Your data is available, unfortuna...
by TallBoy29er
Thu Sep 26, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Resources for dealing with very! difficult employees
Replies: 13
Views: 1589

Re: Resources for dealing with very! difficult employees

In my case, I've always had one-on-one conversations with these people. One of the concepts I use with people is to ask them what they want their "brand" to be, and what do they think it is currently. By brand, I mean their perception as felt and seen by others. I then tell them what I believe their...
by TallBoy29er
Thu Sep 26, 2019 6:28 pm
Forum: Personal Investments
Topic: What to do with extra $20k?
Replies: 11
Views: 1591

Re: What to do with extra $20k?

Get two of these, as I am positive they would come down on price with two. If one of you doesn't ride, you could always gift one to another BH who may be showing interest.... :wink: https://www.competitivecyclist.com/pivot-mach-5.5-carbon-team-xx1-live-valve-complete-mountain-bike?skid=PIV007S-SATRE...
by TallBoy29er
Thu Sep 26, 2019 6:15 pm
Forum: Personal Investments
Topic: Threw me a curve [unexpected layoff]
Replies: 36
Views: 5887

Re: Threw me a curve [unexpected layoff]

I forgot to include this in my response. Re keeping your 401k's, or consolidating, which would mean moving to an IRA. Personally, if the fees in the 401k's are not bad, and the options are ok, I would leave the funds there. Why? 401k's enjoy some slightly better protections than many IRA's. IRA prot...
by TallBoy29er
Thu Sep 26, 2019 6:10 pm
Forum: Personal Investments
Topic: Threw me a curve [unexpected layoff]
Replies: 36
Views: 5887

Re: Threw me a curve [unexpected layoff]

Hello BH Friend! First, I am sorry you got laid off at this time in your career. That is not easy to swallow, I can only imagine. However, please take a deep breath. I read your post high level, and quite honestly, I think your financial situation is much better than your "worried about living in re...