Search found 211 matches

by white_water
Sun Nov 25, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5533

Re: Is good, quality luggage worth the price?

L.L. Bean replaced my large 6 or 7 year old duffel when I sent the old one in for repair.
by white_water
Fri Nov 16, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6347

Re: Cremation seminar – with complimentary lunch

Basic cremation runs $700-$1200 locally.

My final instructions includes using the cheapest plan, paid with spouses credit card, might as well get that 2 cash back on travel!
by white_water
Thu Oct 04, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15777

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

You might want to read the local paper hard copy or on-line for a few months and not just for the help wanted and real estate ads.

Also www.city-data.com is worth checking. lots of numbers there to look at;
by white_water
Fri Sep 07, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 1886

Re: Yellowstone and Grand Teton must see and do

Take the docent led tour of the Old Faithful Inn, circa 1904, log gothic construction. Per website, tour runs until 10/6/18 Walk the geyser basins in Yellowstone, there are more than just Old Faithful basin. Visit Jackson Lake Lodge, walk the west side deck and take pictures of the Tetons. Trail rid...
by white_water
Tue Aug 21, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 2854

Re: Retire and become an Adventure Guide

Go for it. My suggestion would be to apply at a state or national level for a seasonal position in a park or national monument for your entry level job. You'll need some relevant experience ( climbing, whitewater, back country skiing, ski patrol, horse packing) to find more than a low level private ...
by white_water
Sat Aug 18, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Comparing Boats to Autos
Replies: 24
Views: 1468

Re: Comparing Boats to Autos

No, I don't know of any comparable list like the one you mentioned. The Hull Truth website is valuable as other posters noted. Used boats are like used cars, there's an oversupply in many markets, and bargains can be found. Retired people downsizing, younger people up sizing, cash talks. Negotiating...
by white_water
Fri Aug 10, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8237

Re: Should I tell my family/friend that they are making a financial mistake?

Sometimes there is nothing you can to except watch that slow moving train wreck happen. A very close friend had his money with EJ. EJ invested it in 5 1/4 % front end load funds and a few stocks. Friend never heard of or been told about no load funds. He was with EJ because his father was an EJ clie...
by white_water
Mon Aug 06, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Costco Travel Experience?
Replies: 5
Views: 759

Re: Costco Travel Experience?

Used it twice, no problems. Would use it more but we often go to regions they don't do business with.
by white_water
Mon Aug 06, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Is It Really That Difficult to Apply for Social Security Online?
Replies: 13
Views: 1121

Re: Is It Really That Difficult to Apply for Social Security Online?

Signed up over 10 years ago and it was easy then. Ditto DW's experience. SS employees who returned the call were knowledgeable, efficient and polite.
by white_water
Thu Jul 26, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10494

Re: Toughest Purchase of my Life. Engagement Ring time

"Make sure it's as big as her mother's."

This.
by white_water
Mon Jul 02, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 5236

Re: Do you own just 5% of anything?

5% +/- precious metals, 1/2 inherited, balance purchased.
by white_water
Tue Jun 05, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3395

Re: Should I replace my water heater?

Replace it for peace of mind.
by white_water
Tue May 22, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 91
Views: 14126

Re: Teachers: what are your best personal finance tips?

1) Move to the right of the salary schedule ASAP by taking credit courses. 2) Search out an education friendly state for your first job. Due diligence on desirable districts in that state will pay off. 3) Stay in that district unless things turn south. Moving outside of a state can be costly in term...
by white_water
Tue May 22, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5496

Re: Buy an old farmhouse?

It's more than a house, it's a lifestyle choice only you and your family can decide. The advantages are many. The downsides are mostly financial. If you're handy with tools that can offset the dollar drain, if not, how do you feel about learning? If it was me, I'd do it in a heartbeat. You might wan...
by white_water
Wed May 09, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Buying a Boat
Replies: 47
Views: 5490

Re: Buying a Boat

Owning the right boat isn't un-Bogleish IMO. It's your choice to spend your fun money as you wish. Enjoy. Caveat: if you can, and esp. if the boat was moored at a dock, pencil out the weight of that model Whaler, that outboard, that trailer, add in a fudge factor for fuel. Weigh the used boat on a t...
by white_water
Mon May 07, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Family Vacation in Late Feb
Replies: 30
Views: 1758

Re: Family Vacation in Late Feb

Possibly look at the kid friendly beach of Sanibel Isl. Fl.
by white_water
Fri May 04, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 46
Views: 5425

Re: Car rentals, what is the catch?

Rented the cheapest one time. Off airport a mile or two. Asked for a small sedan, was given a tired beater van, on the road had a hunch and just checked found rental had no spare, no jack, no lug wrench. Turned around and went back, asked for something else, got a 20 yr old Ford Ranger P.U. Second v...
by white_water
Wed Apr 25, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: how would you handle this--collecting life insurance
Replies: 31
Views: 3438

Re: how would you handle this--collecting life insurance

Contact the state insurance commission with details. Or if you're a patient person, tell the insurance carrier you will do that.
I've used this hammer twice, both times on purposefully delayed payment.
by white_water
Fri Apr 20, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: “The Smell of Retiree Mon$y...”
Replies: 57
Views: 9346

Re: “The Smell of Retiree Mon$y...”

It sounds as if the solicitor may be on commission as another poster suggested.
by white_water
Sun Apr 15, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2679

Re: Yellow Stone time needed

SLC airport to West Yellowstone is about 325 miles. If you want to make that trip w/in that time allowance, you might fly into Idaho Falls instead. If you're in a time crunch stay in W. Yellowstone, not Jackson to minimize drive time. Yellowstone inside the park accommodations are probably already b...
by white_water
Fri Apr 06, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 7759

Re: Want/need some income in semi-retirement

Re: adjunct college instructor, it barely paid enough for gas. Driving airport shuttle paid much better.
by white_water
Fri Apr 06, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 5164

Re: Is it very hard to learn Spanish?

It depends on your language acquisition ability, and easier for some than others. Take a look at Duolingo, it's a free cell phone app and do some sample lessons. It uses visual, oral, aural lessons and clues that many find easier.
by white_water
Mon Apr 02, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 42
Views: 5511

Re: Cleaning up new house before move in—getting rid of “cat smell”

A neighbor removed approx. 2000 S.F. carpet, pad, and subfloor and some lower drywall to eliminate pervasive cat spray odor in a house they purchased.

Hope your experience is better.
by white_water
Wed Mar 14, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 10341

Re: traveling to mexico, should I be concerned?

DW and I have traveled to Mexico perhaps 1 1/2 dozen times over 30 years and live near the border. Great people, lousy politics. Anecdotally we note a decline vis-à-vis in safety, cleanliness, and the overall condition of the people. Of course there are exceptions like Cancun, Cozumel, where Canadia...
by white_water
Wed Mar 07, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Road trip to National Parks in Pacific/Mountain States.
Replies: 15
Views: 2282

Re: Road trip to National Parks in Pacific/Mountain States.

Google" taking dogs into Canada from USA." There are restrictions including up to date Rabies vaccination and having that documented for entering Canada and returning to the US. Note: You didn't mention traveling to Ontario but JIC perhaps Ontario readers can comment on the regulations for " pitbull...
by white_water
Wed Feb 28, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9309

Re: Physical cash

What Blueskies123 said, $1-2K at all times because of likelihood of natural disasters with power out for extended periods.
by white_water
Fri Feb 23, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: anonymous financial gift to student / best gift card option
Replies: 54
Views: 3785

Re: anonymous financial gift to student / best gift card option

One possibility: have a proxy ( atty, CPA, church , bank, fraternal organization) give the award with funds you provide.
by white_water
Wed Feb 21, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Cedar Roof
Replies: 27
Views: 2029

Re: Cedar Roof

Need more information here. Cedar shakes or cedar shingles? Shakes are much thicker than sawn cedar shingles.
by white_water
Sat Feb 03, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 5231

Re: Amazon Stock - Can this giant be stopped?

Off the top of my head: Kodak, Motorola, Sears, Sun Micro, Yahoo, Blockbuster all were high flyers once. Reversion to the mean, failure to change happens.
by white_water
Sat Feb 03, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: How to receive large payment for a boat, PayPal vs Wire
Replies: 31
Views: 2734

Re: How to receive large payment for a boat, PayPal vs Wire

There is a greater risk of fraud through Paypal. If they have $40K to spend on a boat, they can figure out wire transfers.
A search on Paypal problems might be a good idea.
by white_water
Mon Jan 22, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: How much $ worth of things have you discarded without using?
Replies: 25
Views: 2725

Re: How much $ worth of things have you discarded without using?

Gifts, mostly clothes go to homeless shelters esp. for vets. After retirement I had 6-8 gift dress shirts still in the wrapper. Marie Kondo's book helped figure out what to let go of. As to the $$ value, pre owned clothes are worth pennies on the dollar. Most year we don't have enough to itemize any...
by white_water
Wed Jan 17, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 2462

Re: London/Paris Trip Questions

Another vote for Chunnel train. Getting to -from Heathrow /Charle de Gaulle is time consuming esp with luggage and a child in hand.

And the second class seats on the train are better than 1st class US seats. You won't see much besides a few lights once you're in the tunnel.
by white_water
Mon Jan 15, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7737

Re: Looking for a reasonably priced, safe international destination

Scotland, it has castles, history, scenery, museums, hiking, what's not to like? Adults can do a distillery tour. Re: Puerto Penasco, MX. There was a big shoot out between the army and cartels in Dec, 2013. Just a FYI, no place in Mexico is 100 % risk free. Kids might like Bahamas better. Fine beach...
by white_water
Mon Jan 08, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 8097

Re: Lowball offer on a home

Don't know the particulars of your location but in my area the improvements you listed would be well over $100K.
Remodels often go over budget in my experience, esp. in older homes.
by white_water
Wed Dec 06, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Cat sitter info
Replies: 21
Views: 1338

Re: Cat sitter info

Due diligence and get references.
by white_water
Wed Nov 29, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 6842

Re: Edward Jones trap

A long time friend was sold 5 % front end load actively managedfunds from EJ. He knows the difference between load vs no-load and I showed him my N.L. index fund choices from VG and Fido. But he's still with E.J. " because his late father was a client."

Some times you just have to walk away.
by white_water
Tue Nov 21, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: best SUV
Replies: 30
Views: 3949

Re: best SUV

Need more data to give you an informed answer.

How large are the passengers?
Do you need multiple child seats?
Do you need 4 wheel drive?
How much storage do you need behind the passengers?
Do you need head room?
What might work well in Phoenix may not be suitable in Maine.
by white_water
Sun Oct 08, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 3385

Re: What to do with unused paint?

We gave ours to the local Boys and Girls club for art projects after checking to see if paint donation was welcome. They said they'd use it painting stage scenery.
by white_water
Thu Aug 31, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Best practices for moving a family/stuff long distance. Any warnings?
Replies: 29
Views: 2273

Re: Best practices for moving a family/stuff long distance. Any warnings?

Inventory everything that goes on the truck with hard copy and video. Everything. Multiple views. Let the movers see you do it, film the workers too. if need be let them know there is going to be a tough inspection. Supervise the packing and loading. Twice I've seen the driver go to a homeless shelt...
by white_water
Wed Aug 02, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 9982

Re: How far off are Zillow's estimates?

In my area Zillow prices vary so much over a few months that their data is suspect, nearly worthless for all the reasons other posters mentioned.
by white_water
Wed Aug 02, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 9982

Re: How far off are Zillow's estimates?

Duplicate post, apologies.
by white_water
Sun Jul 16, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 6179

Re: Rent in safer neighborhood or buy in less safe one?

Most sketchy neighborhoods DON'T gentrify, but you could get lucky. If it were my young family, I'd rent, build assets, keep looking. I'd rather own a very small home in a good neighborhood than any home in a bad neighborhood. There are no risk free decisions. The choice you describe here is between...
by white_water
Tue Jul 11, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 3939

Re: Moving a car cross country

Another option: Have one driver drive solo, ahead of time, then fly back and join the other driver for a paired drive with the 2nd vehicle. What psteinx said. We've done the walkie/talkie plus cell phone driving two cars on three 1600 mile trips. I'd rather not do it again. My wife is cool headed b...
by white_water
Sat Jul 08, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 3561

Re: Doing dishes while camping

3 buckets: hot soapy water, rinse water, final rinse with a bit of Chlorox & water, air dry.

Keep hand sanitizer handy after using the facilities, esp pit toilets also a good idea.
by white_water
Wed Jun 21, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 7351

Re: Help with Guns in Estate [how to sell]

Please do not use a pawn shop for any inherited items you want to sell. There are other, better "Bogle-ish "options people have posted here.
by white_water
Tue Jun 20, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 5654

Re: Liability with dogs, hypothetical

Pit bulls are great until they aren't, just like some other breeds. Owning a pit mix rescue carries an element of chance.
by white_water
Mon Jun 19, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 5441

Re: Want to downsize, see "to do" list. What to tackle first?

Find 3 local long time, knowledgeable real estate agents to advise about the remodel questions. Then it's easier to prioritize the to do list.

I think you're exactly right to seriously de-clutter even before talking to RE people.
by white_water
Mon Jun 19, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 20
Views: 2629

Re: Olympic NP and Mt Rainier NP

If it's raining hard at Port A. maybe take the 3 yr old to the Feiro Marine Life center near the city dock and ferry terminal. They have touch tanks for kids to interact with durable marine animals. Another kid suitable exploration short tideland hike is the county park at Salt Creek Recreation Area...
by white_water
Mon Jun 19, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 2351

Re: Which motorcyle?

You're an adult, you likely have your investments organized to CYA. If not then do that first, esp term insurance and disability, maybe rent a Harley for a while, take a motorcycle riding class from the dealer, see if you like it. Some thrive on it, some get terrified by the odds. In many areas big ...