Search found 25 matches

by Tecktser
Sat Dec 07, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: 50 Next Year - Should I Join AARP?
Replies: 98
Views: 7286

Re: 50 Next Year - Should I Join AARP?

Joined for 1 year. We did not get any use out of the benefits. Did not find it worth the money so we are now former members. I find I can get as good of hotel rate as AARP by simply asking for a discount and moving on if the rate is not what I think is a good value.
by Tecktser
Wed Nov 13, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: Condensate pump recommendations wanted
Replies: 7
Views: 569

Re: Condensate pump recommendations wanted

I have a "Little Giant" pump also and its going on 27 yrs old. I clean the pump every other year and clean out the gunk.
by Tecktser
Sat Sep 07, 2019 5:00 am
Forum: Personal Consumer Issues
Topic: Whether to change phone number for elderly parents
Replies: 34
Views: 3259

Re: Whether to change phone number for elderly parents

My sister changed my parents phone number because of robo and spam calls. No regrets thus far.
by Tecktser
Sun Dec 30, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 46
Views: 6089

Re: Tips on preventative home maintenance?

Locate the main water shut off valve and make sure it works.
by Tecktser
Thu Jul 12, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: kayaking!
Replies: 17
Views: 1768

Re: kayaking!

There are many styles of kayaks. First thing to do is to figure out the type of kayaking that interests you most. A local outfitter should be able to point you toward a model based on the type of water you want to paddle. There is no perfect type of boat that will do all things well. Check the web f...
by Tecktser
Wed Jun 13, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 3271

Re: Trade-up my $89 Walmart bike

I bought a middle of the road Trek road bike a few years ago. I went to several bike shops and they were happy i was shopping around since they wanted me to be happy with my purchase. I took a several 2-3 mile test rides. I found some models felt OK at first but not so after a mile or 2. Don't skimp...
by Tecktser
Sun Dec 18, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: Old Tools
Replies: 19
Views: 3292

Re: Old Tools

For certain jobs, you just can't beat an old nail puller. Recently my 32 year old son was totally amazed when he saw me use an nail puller that probably belonged to my grandfather on the farm. Just be careful and don't get your finger pinched while handling it or using it :) Below is a picture of a...
by Tecktser
Wed Nov 23, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 33356

Re: How many of you have cut cord?

We cut the cord so long ago I can't remember the exact year. At least 17-18 years ago. Netflix now and whatever I dredge up online.
by Tecktser
Sun Nov 20, 2016 9:23 pm
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 80
Views: 11519

Re: What kind of apartment can $1k get you in your city?

Here in the sticks 1K a month will get you a 1800 square ft single family dwelling on a 1/2 acre lot in a decent neighborhood. I don't think there is an apartment in our town that would command a grand a month.
by Tecktser
Mon Oct 10, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: I need a spare tire for my car
Replies: 13
Views: 1725

Re: I need a spare tire for my car

I would never travel far without a spare. It should be easy enough to find a good used rim and tire. Do some online research and see what other years and models use the same rim. Armed with your newly acquired knowledge shop Craigslist, the local Pull A Part or salvage yard. 50 bucks or so should ge...
by Tecktser
Sat Oct 08, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 26264

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

I'm wondering how others resist lifestyle creep when everyone around them is spending.
Easy. I don't care what anyone else buys,how much they spend or what they think of me or my lifestyle.
by Tecktser
Sun Aug 21, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: Ergonomic Workspace - your experiences
Replies: 3
Views: 557

Re: Ergonomic Workspace - your experiences

I have been using a standing desk for about 10 months. I find that I stand most of the day. I would not go back to a regular now.
Calf pain was the reason to switch for me.
by Tecktser
Sat Jul 02, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 17624

Re: synthetic oil changes

I change the oil in my CRV (2011) every 5-6k miles and use a full synthetic oil. Ignoring the maintenance minder which is usually at 50% oil life. Its cheap insurance and it only costs 28 bucks using Mobil 1 and a Honda filter (DIY). Last two vehicles I owned were both over 255K miles and still runn...
by Tecktser
Sun Jan 31, 2016 6:39 am
Forum: Personal Finance (Not Investing)
Topic: I got let go yesterday
Replies: 45
Views: 11152

Re: I got let go yesterday

While I don't have a civil engineering degree I did get let go from a job I had for nearly 19 years. It turned out the best thing that ever happened to me in my career. I found another job, gained new skills and I am happier than I ever was at the old job. Don't get discouraged. It did take a couple...
by Tecktser
Mon Mar 09, 2015 6:32 am
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 6312

Re: Home workouts and motivation

I find that running with a group keeps me motivated. Three days a week I run with a running group and we run no matter the weather unless there is too much ice or lightning. The other days I run midday at work with whoever happens to show up. Once or twice a week I do strength training at home which...
by Tecktser
Fri Feb 06, 2015 7:02 am
Forum: Personal Consumer Issues
Topic: Private Car Sale - Risks ?
Replies: 35
Views: 3086

Re: Private Car Sale - Risks ?

I sold a car through CL last month. It was a pain dealing with low ballers but it was the only way to get any cash out of it since it had 250K miles on it. Transfer varies depending on your state but I made it clear I would only transfer the vehicle at the DMV office and not do a notary public title...
by Tecktser
Sun Oct 12, 2014 6:56 am
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 18550

Re: What have you done to cut costs this year?

Refinanced our house with PenFed. Switched home phone to DSL only. Kept driving my mid 90's model truck.
by Tecktser
Sat Oct 11, 2014 6:16 pm
Forum: Personal Investments
Topic: Deleted
Replies: 51
Views: 7247

Re: Sixth anniversary of worst week ever for stocks

About that time I remember getting a 401K statement and starting a challenge at work for someone to beat a 43% drop in 401K value. I could not re balance (even if I had known what rebalancing was back then) as I was 100% equities.
by Tecktser
Fri Oct 03, 2014 5:50 am
Forum: Personal Investments
Topic: R u selling PIMCO bond fund
Replies: 25
Views: 3829

Re: R u selling PIMCO bond fund

No. I only have one other bond choice with my Fido plan at work and that is a high yield bond fund. The other is a MM with a yield so low that almost has me paying them.
by Tecktser
Sat Aug 30, 2014 1:21 pm
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 11527

Re: Poor Janus, a look at this once high flying fund family

My wife had an IRA in Janus 20 for 16 years. In 1996 I heard about no load mutual funds on a radio show and picked up a Money magazine to see where I needed to invest. No load sounded good compared to the 5.5% load I was paying on the funds our "adviser" was steering us toward. Janus had some cool a...
by Tecktser
Sun Mar 16, 2014 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: 401K loan or PenFed HEL for high % rate mortgage payoff?
Replies: 8
Views: 1291

Re: 401K loan or PenFed HEL for high % rate mortgage payoff?

Thanks for the feedback. I have decided to pursue the PenFed loan. No closing costs. I can't get comfortable borrowing from the 401K and while I have just enough in the emergency fund to pay off the mortgage I would have no cash till a few months down the road.
by Tecktser
Sun Mar 09, 2014 8:13 am
Forum: Personal Finance (Not Investing)
Topic: 401K loan or PenFed HEL for high % rate mortgage payoff?
Replies: 8
Views: 1291

401K loan or PenFed HEL for high % rate mortgage payoff?

I read through the arrives and did not find the exact answer I was looking for but did find Pen Fed. Thanks! So now my question becomes PenFed HEL Loan vs 401K loan. I have fixed income in my 401K which is currently yielding 1.4% My mortgage rate is 5.5% 24K balance. Currently in my tax situation my...
by Tecktser
Fri Aug 16, 2013 6:55 pm
Forum: Personal Investments
Topic: Need advice on rebalancing.
Replies: 10
Views: 1080

Re: Need advice on rebalancing.

The first move I have made in re-balancing my 100% equity portfolio was to move my American IRA to Vanguard TR 2030 This leaves me with my current Fidelity 401K. 100% in the Spartan S&P 500 Index. In my quest to re balance, Fidelity’s rep (with help of the sites computer analysis) recommended me to ...
by Tecktser
Fri Aug 02, 2013 6:12 am
Forum: Personal Investments
Topic: Need advice on rebalancing.
Replies: 10
Views: 1080

Re: Need advice on rebalancing.

While 30 percent bonds would be light or someone your age, there are a lot of people on this board who are more aggressive than that. The fact that you have stayed 100 percent equities for so long makes me question your desire to jump in at 30 percent so fast. I am trying not to make a knee jerk re...
by Tecktser
Thu Aug 01, 2013 8:29 pm
Forum: Personal Investments
Topic: Need advice on rebalancing.
Replies: 10
Views: 1080

Need advice on rebalancing.

My wife and I have a portfolio that is in need of re balancing. We are approaching 50 and have never owned any bonds or a bond fund. Our current portfolio is heavy toward growth in large cap stocks. We buy and hold and have weathered every bear market since 1987 with panic or worry. Never sold a sha...