Search found 957 matches

by StevieG72
Wed Oct 30, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Small electrical/airflow/filtering questions
Replies: 29
Views: 828

Re: Small electrical/airflow/filtering questions

The switch in the down position bothers you? I have one of these in my hallway and never thought twice about which end happens to be flipped up or down. Maybe a rocker switch would be less noticeable, but then it may not match other switches. Bathroom timer for fan is AWESOME, I ordered this one fro...
by StevieG72
Tue Oct 22, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Child Insurance Policies - Maintain or ?
Replies: 22
Views: 1228

Re: Child Insurance Policies - Maintain or ?

Tricky situation, the relative that purchased and maintained these policies will likely be upset if you decide to take the money and run.

Of course the best thing to do is cash them out and invest in a 529 as a previous poster mentioned.
by StevieG72
Mon Oct 14, 2019 7:27 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13727

Re: Chase $750 for depositing 75K

For these offers, I transfer securities that I intend to hold long term rather than cash. This avoids gains and reinvestment concerns. This seems like the easiest way to take advantage of the bonus. How long are you out of the market, if at all? My only concern would be missing any gains if out of ...
by StevieG72
Sun Oct 13, 2019 8:01 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13727

Re: Chase $750 for depositing 75K

ChowYunPhat wrote:
Sat Oct 12, 2019 11:11 am
(incoming wires to Chase Sapphire Banking are FOC...how nice).


What does FOC mean in this context?
by StevieG72
Sun Oct 13, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Extended Stay in Las Vegas - nearby hiking?
Replies: 10
Views: 852

Re: Extended Stay in Las Vegas - nearby hiking?

drekce wrote:
Sun Oct 13, 2019 8:54 am
Red Rock Canyon. A short drive from the strip and plenty of great trails and scenery.
+1

Red Rock Canyon has numerous trails with varying difficulty, I enjoyed my day there.
by StevieG72
Sat Oct 12, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest in a ski in / ski out condo?
Replies: 50
Views: 5275

Re: Should I invest in a ski in / ski out condo?

Wowee wow, that’s a lot of cash to drop on a place when you have easy alternatives in the area!

Ski in/out is nice, but not 300k to 400k nice!

Rent a place when you have the urge, you will be much better off without the headache of ownership.
by StevieG72
Sat Oct 12, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 7699

Re: When is private (elementary) school worth it?

Sounds like your son is a smart kid! You definitely should look at other options for him that are more challenging. It is possible to have him move up a grade I believe, but that can also have its disadvantages since he will be younger than his peers. Don't blame it on the school! Teachers are overw...
by StevieG72
Sat Oct 12, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Fence Replaced - Contractor Damaged Sprinkler System
Replies: 9
Views: 744

Re: Fence Replaced - Contractor Damaged Sprinkler System

I hold off on final payment until sprinkler system is repaired. Give the contractor a chance to fix the issue, should be fairly minor repairs. This has likely happened before and they have a sprinkler repair contractor that they use for repairs. I would not report to your homeowners insurance policy...
by StevieG72
Sun Sep 29, 2019 7:01 am
Forum: Personal Finance (Not Investing)
Topic: HSA & Patient Assistance Programs
Replies: 6
Views: 356

Re: HSA & Patient Assistance Programs

An HSA is fine, you will still be eligible. The bigger question is whether your insurance company uses a copay accumulator. In the past patient assistance funds from the drug companies were applied to the deductible offsetting out of pocket costs. The insurance companies decided they wanted the whol...
by StevieG72
Sat Sep 28, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 109
Views: 18412

Re: Success stories of NOT buying more/too much house

My success story of not buying too much house is as follows.... I bought a starter home in 2001 which was what I could afford on my income of approximately $40,000. I still live in the same home even though my income has increased significantly. My home is cozy, bigger is not always better. Buying a...
by StevieG72
Mon Sep 23, 2019 6:12 am
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 11487

Re: Anyonw driving Uber for fun and pocket money in retirement?

Not safe in my area, and I do not live in what would be considered a high crime city. I had a friend drive for Uber & Lfyt for a few months and while he had plenty of normal riders there was a few sketchy folks. I don't remember the details but he called law enforcement once over prostitution. In ad...
by StevieG72
Sun Sep 22, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 7998

Re: First car for child

Many of the responses reinforce my feelings about a first car, it will probably be in an accident! I currently drive a 2016 4-Runner, not a good vehicle to pass on to the kiddo. The pre collision system feature is something I would like the car to have. Insurance is another consideration. As far as ...
by StevieG72
Sun Sep 22, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 7998

First car for child

So the kiddo will be driving soon, curious how Bogleheads tackle the first car for their kids. I want a safe car, and of course the newer cars are safer. I really like the 2019 Camry and feel like it could be a great first car that would last many years. Do not want a cheap compact car as I do not f...
by StevieG72
Sun Sep 15, 2019 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Geico subrogation claim
Replies: 22
Views: 2983

Re: Geico subrogation claim

Fast forward a few weeks and I get a call from Geico stating that Direct General has denied the claim. The policy was either not in place at time of accident, or they dropped the insured. ( they do the latter frequently) <---- i know this doesn't sound legal but apparently it is, for example if the...
by StevieG72
Wed Sep 11, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Update and Advice Needed Re: Any Recourse for Poor Contractor Work (A/C Installation)
Replies: 44
Views: 3228

Re: Any Recourse for Poor Contractor Work (A/C Installation)

One thing I am curious about. While going over the proposal, your husband did not know that a heat kit wasnt included? Being an engineer, they are normally pretty detailed. I think that for a water sourced heat pump, the “heat kit” is an auxiliary heater. We have a water sourced heat pump (geotherm...
by StevieG72
Tue Sep 03, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: What's your "philosophy" on youth sports?
Replies: 47
Views: 2726

Re: What's your "philosophy" on youth sports?

I think it is important for kids to be involved in school sports. Travel league is a bit much in regards to a time commitment. My daughter plays volleyball, softball, and does cheer. She is fairly good at volleyball which builds her self esteem. As far as your son is concerned, I would probably enco...
by StevieG72
Thu Aug 29, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8601

Re: Coffee becomes cold too soon

Sometimes Bogleheads can be a pretentious bunch! I am waiting for someone to post about drinking Kopi Luwak from a ceramic mug with one Joulie. I drink my coffee from whichever mug is clean! I purchased some Vangaurd stainless steel mugs a few years ago, horrible quality. The painted exterior peeled...
by StevieG72
Tue Aug 27, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 4216

Re: Mouse invasion!

It depends on how you feel about dealing with the problem. I prefer to live and let live, however once the critter enters my home all bets are off! For example I have moles that tear up my yard, I don't like them but will not poison them. I dug one up and relocated him but they are hard to catch so ...
by StevieG72
Thu Aug 22, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17624

Re: White collars- How much is your work downtime?

I just realized that I am not white collar.

Technically not blue collar either.

I guess I am collarless! Downtime at work is equal to zero. There is something that gets left not done every day.
by StevieG72
Mon Aug 19, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: RV purchase ?
Replies: 86
Views: 6168

Re: RV purchase ?

Are you experienced pulling trailers?

I am not and would not care to do so too often.

The pulling part is not too bad, its the pushing ( backing ) that gets tricky!
by StevieG72
Sun Aug 18, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Front load washer mold
Replies: 30
Views: 2849

Re: Front load washer mold

Considering the additional cost as well as the issues with the gasket mold on the front load machines, I will stick with my top load washer. Keep it simple!
by StevieG72
Sun Aug 18, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: What do you think about this Prosper loan to pay off car home Reno etc
Replies: 33
Views: 1946

Re: What do you think about this Prosper loan to pay off car home Reno etc

Do not take the Prosper loan for car, for home renovations, or the business idea. Heloc would be better for home renovations, but it is NEVER a good idea to use your home as an ATM. It really is better to save for all of the expenditures you mentioned. Make sure you do your due diligence on the busi...
by StevieG72
Sat Aug 17, 2019 9:50 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 126
Views: 13489

Re: Personal Flagship Representaive Going Away

Meh...

I don’t need a personal representative. On the rare occasion that I call things get taken care of just fine.
by StevieG72
Sat Aug 17, 2019 5:39 pm
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 59
Views: 7824

Re: Don’t put new money in market right now??

The late John Bogle received the advice early in his investment career that “Nobody Knows Nothing”.

I have seen this play out as a true statement numerous times.

Invest early, invest often, keep it simple, & ignore the noise. It really is that easy!
by StevieG72
Sat Aug 17, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11187

Re: Aliens have captured my husband

If your family can afford it, support the indulgence. It is a good looking FAST car, what’s not to love? The price, I know... Sounds like your family has been very frugal in regards to cars. A Miata at <27k is not really splurging, I agree that they are too small. I had a friend who bought a Pontiac...
by StevieG72
Mon Aug 12, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance Caveats?
Replies: 19
Views: 1033

Re: Travel Insurance Caveats?

The devil is in the details! You have to compare policies so that you get the best coverage for your money. Purchasing within a short time frame of booking trip will waive preexisting conditions for many policies. ( normally 21 days max) I always purchase travel insurance, this year I had to cancel ...
by StevieG72
Sun Aug 11, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 28285

Re: Social Security -- Take it at 62, 67 or 70

SS is projected to "run out of money" by 2034 and reduce payments by 21%. I will be turning 62 in 2034, of course the future may bring changes. Being self employed I contribute as little as possible ( S-Corp is taxed, draw is not) and invest weekly as funds are earned. I am not counting on SS for my...
by StevieG72
Sun Aug 11, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Shed foundation
Replies: 33
Views: 2136

Re: Shed foundation

You are on the right track! A few more things to consider... Type of material for base. Obviously pressure treated wood, use a quality sub floor material. (some folks even paint or seal decking area) Galvanized screws for construction, and if you don't have one already invest in a good cordless dril...
by StevieG72
Sun Aug 11, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: Shed foundation
Replies: 33
Views: 2136

Re: Shed foundation

I am not incredibly handy either, however I did build one of these sheds. As a previous poster mentioned the instructions spell out the foundation requirements. You will have to purchase some lumber and create a wooden platform / skid foundation. The shed is bolted to the platform foundation. It is...
by StevieG72
Tue Aug 06, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Shed foundation
Replies: 33
Views: 2136

Re: Shed foundation

I am not incredibly handy either, however I did build one of these sheds. As a previous poster mentioned the instructions spell out the foundation requirements. You will have to purchase some lumber and create a wooden platform / skid foundation. The shed is bolted to the platform foundation. It is ...
by StevieG72
Tue Aug 06, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Oh geeze. How should I pay for this? Walk me off the ledge
Replies: 52
Views: 6502

Re: Oh geeze. How should I pay for this? Walk me off the ledge

I had a surprise medical bill of around $2500, due to an ER visit and ever changing health plans. I simply called and asked to be put on a payment plan. Paid approximately $200 a month until paid off, interest free! Now I have heard that they offer a discount if paid in full immediately. I was not a...
by StevieG72
Fri Jul 26, 2019 10:25 pm
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 78
Views: 12526

Re: pros and cons of target date funds?

Nothing is wrong with Target Date Funds. Set it and forget it! I started out with target date funds, moved to separate funds with a small cap and REIT tilt as well as 3 separate funds for international. Have since dropped the REIT and 3 separate funds for international. If it were not for the slight...
by StevieG72
Sun Jul 21, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 9442

Re: C8 Corvette - who is buying?

Meh, never been a big fan
by StevieG72
Sun Jul 21, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Cruise advice?
Replies: 45
Views: 3235

Re: Cruise advice?

Parking at Baltimore is fine, secure lot within walking distance to the ship. I always pack a refillable water bottle to bring tea or lemonade back to my cabin and for shore excursions. One thing I always forget is an air freshener for the cabin restroom. You can bring two 750ml bottles of wine per ...
by StevieG72
Wed Jul 17, 2019 4:17 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 64
Views: 5897

Re: Ferri? Or Vanguard PAS?

Where did this Rick Ferri guy come from? I have been on the site for around two years and never seen any advisors plugged. but over the last two or three days I've seen this guy's name thrown around a dozen times. Perhaps it's the cynic in me but I wonder why. Rick is a solid citizen, one of his bo...
by StevieG72
Wed Jul 17, 2019 4:11 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 64
Views: 5897

Re: Ferri? Or Vanguard PAS?

Ok, so I misread the title. I thought you were asking either Ferrari or Vangaurd, I had to read!
by StevieG72
Sun Jul 14, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Geico subrogation claim
Replies: 22
Views: 2983

Geico subrogation claim

So thought some folks may find my experience helpful... I was involved in a not at fault accident in June, rear end collision. Fairly minor accident, just a tore up bumper on my SUV other car is likely totaled with extensive front end damage. No injuries. The at fault party has insurance with Direct...
by StevieG72
Sat Jul 13, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is any type of marriage counseling partially covered by Health insurance?
Replies: 21
Views: 1856

Re: Is any type of marriage counseling partially covered by Health insurance?

EAP is the first thing you should check as others have mentioned. If you are a member of a local church they may have resources. My ex and I attended a few sessions provided by EAP, the provider did not seem to be helpful. If you want so save your marriage trying to find a quality therapist vs. focu...
by StevieG72
Fri Jul 05, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: drugstore prices
Replies: 20
Views: 1335

Re: drugstore prices

You could try https://www.goodrx.com The prices can very widely from one place to the next. Costco isn't always cheapest. +1 I found Kroger to be the best place for my medications by using GoodRx. I joined their prescription savings club and can get 3 months scripts for next to nothing. It is cheap...
by StevieG72
Tue Jul 02, 2019 6:37 pm
Forum: Personal Investments
Topic: Bond Allocation Doesn’t Fit In Tax-Deferred Accounts
Replies: 16
Views: 1391

Re: Bond Allocation Doesn’t Fit In Tax-Deferred Accounts

I have the same issue, use Vangaurd High Yield Tax Exempt bonds in my taxable account.
by StevieG72
Mon Jul 01, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 22126

Re: Do you share your net worth with family members?

NO!

I share my net worth with one close friend who has more $$ than me.
by StevieG72
Sun Jun 30, 2019 9:35 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2516
Views: 463127

Re: What are you up YTD? [Year To Date]

I dunno...

I do not habitually check balances anymore, only have a general idea of the market direction.
by StevieG72
Mon Jun 17, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Termites or Ants in Garden?
Replies: 17
Views: 1386

Re: Termites or Ants in Garden?

Yes those are termites.

No need to panic, clean up any decaying moist wood around the yard.

If your house is on a foundation look for mud tunnels underneath your house on the cinderblocks. This would indicate activity that you should be concerned about.
by StevieG72
Sun Jun 16, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having heat pump checked every year?
Replies: 7
Views: 1173

Re: Is it a waste of money having heat pump checked every year?

Yearly maintenance should include cleaning the coils outside where the compressor is located and also the evaporator coils in the air handler. It is an easy DIY job, if you are paying for annual maintenance and this is not performed drop the service.
by StevieG72
Thu Jun 13, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Cartier bracelet
Replies: 40
Views: 3510

Re: Cartier bracelet

They have some interesting styles...

https://www.cartier.com/en-us/collectio ... celet.html
by StevieG72
Sun Jun 09, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3518

Re: Refrigerator Advice

I like the new technology.

My fridge locks me out if it suspects I am overeating.
by StevieG72
Sun Jun 09, 2019 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20725

Re: Paying for rent is throwing away money...myth?

This is one of those topics that tends to go nowhere.

It really comes down to personal preference.
by StevieG72
Fri Jun 07, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 9462

Re: Costco or Sam's Club?

Costco, Sam's if you own a small business.( C-Store or restaurant)
by StevieG72
Fri Jun 07, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5348

Re: Gillette Fusion razors

I shave my head regularly, so I have been through some razors. Tried the Head Blade, was not impressed. It is too small also cut my head a few times with this device. Have settled in to the Gillette Fusion razors, bought a refill pack from Sam's that was expensive but should last awhile. The Fusion ...
by StevieG72
Sun May 26, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: AC maintenance
Replies: 8
Views: 940

Re: AC maintenance

Simple maintenance is to clean the outside coils, fairly easy process if not too dirty you can simply rinse with a garden hose. A little bit more complex but still pretty basic is to clean the evaporator coils in the air handler. This basically involves removing a panel for access and spraying with ...