Search found 248 matches

by SR II
Tue Aug 04, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: New house... replace toilets?
Replies: 25
Views: 1861

Re: New house... replace toilets?

First off, I'd say if it ain't broke, don't fix it, unless it can't be cleaned up. Think about if you are going to update the bathroom in the next couple of years. I'd wait until then. At least I wouldn't want to install a toilet now and then have to remove and then put it into a "new" bathroom.
by SR II
Sat Aug 01, 2020 8:32 pm
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 54
Views: 4392

Re: Cyclists...where are you getting your masks?

Gaiters have been worn by cyclists in our area for a long time, pre-pandemic, to protect against both sun and dust/sand.
by SR II
Sat Aug 01, 2020 7:38 pm
Forum: Personal Investments
Topic: Paying 7y/o son as household worker
Replies: 82
Views: 5299

Re: Paying 7y/o son as household worker

OP - I get what you are trying to do. But, I think you are pushing it!
by SR II
Fri Jul 31, 2020 11:14 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 223
Views: 10206

Re: Does a couple really "need" an SUV?

We are a retired couple with grown children. No, we don't "need" an SUV, but we have one (a Forester) because we like sitting up higher, providing better visibility than a car. We also have a knock around sedan for when we need two vehicles at the same time. I wouldn't go out and buy an SUV just to ...
by SR II
Fri Jul 31, 2020 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: To rent out, or to sell?
Replies: 20
Views: 1348

Re: To rent out, or to sell?

I wouldn't even think twice. I'd sell it in a heartbeat and pocket the profit. Can you afford to make payments when no rent is coming in? What happens when it is either vacant for possibly months OR you have renters that don't/can't pay the rent (Covid rent exemption)? Yikes!!! How about diversifyin...
by SR II
Tue Jul 28, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: Selling Silverware (all silver)
Replies: 14
Views: 1218

Re: Selling Silverware (all silver)

My mother left us an incomplete set of totally unused sterling silver flatware from 1945-1947 in a pattern that is still being produced. The flatware was something our mom registered for before getting married, but it wasn't even the pattern she really wanted (due to availability after WWII), so she...
by SR II
Mon Jul 27, 2020 12:25 am
Forum: Personal Consumer Issues
Topic: Housing choices in retirement
Replies: 10
Views: 1458

Re: Housing choices in retirement

OP - Are you talking about actual townhouse/condo living or living in housing that has an HOA? Our planned community of about 80 single family homes has an HOA. The board is made up of homeowners and works with a community management company. The dues pay for things like the automatic gates and secu...
by SR II
Sun Jul 26, 2020 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Advice from retirees: do you need a project or do you 'play it by ear'?
Replies: 36
Views: 2292

Re: Advice from retirees: do you need a project or do you 'play it by ear'?

"I'm working on some personal projects right now, but I can do that for you next". . . . week, month, year, etc. You don't have to say "no". . .simply postpone. It can be effective. Most managers use that ploy. yes thanks; I did something like that yesterday, saying 'I'll do it in September.' Howev...
by SR II
Sun Jul 26, 2020 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Car Purchase Advice
Replies: 10
Views: 1148

Re: Car Purchase Advice

You make enough to buy whatever vehicle you want. But, I'd get that emergency fund up. Seems pretty low for your income. Also, Audi is offering 0% 36-month loans right now. Frankly, I'd buy new, with new car warranty, interest free for 36-months AND fill that emergency fund up at the same time.
by SR II
Tue Jul 21, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: Bank temporary closed - safety deposit box
Replies: 48
Views: 3269

Re: Bank temporary closed - safety deposit box

I have a safety deposit box at a major US based bank and I've had no issues until now. I tried to go today and the branch is temporary closed due to the pandemic. I know these are not "normal times" but I can't get into my deposit box and I will call the bank tomorrow to ask if they know when this ...
by SR II
Thu Jun 18, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill on inheritance
Replies: 13
Views: 1695

Re: Tax bill on inheritance

mouses wrote:
Thu Jun 18, 2020 4:01 pm
...I thought IRAs couldn't be in the name of the trust but had to be owned by the individual....
This is what our trust attorney told us when we formed our trust two years ago.
by SR II
Thu Jun 11, 2020 1:45 am
Forum: Personal Consumer Issues
Topic: Can I salvage this suitcase?
Replies: 38
Views: 2433

Re: Can I salvage this suitcase?

OP - Good move tossing it!

No way would I consider using that bag. Even if you think the odor is gone, wait until it gets humid or warm and the smell magically returns. Check out ebags.com for a replacement.
by SR II
Sat May 30, 2020 3:42 am
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 88
Views: 5751

Re: New Vehicle: Forester or Rav4 for boglehead couple

I'm in the Forester camp as we bought our second one new in 2019. Something OP should be aware of with Foresters; they were redesigned for 2019 and I feel much improved over our 2016. Due to their high re-sale price, if you were thinking of spending $20k, you will probably be looking at the previous...
by SR II
Sun May 24, 2020 5:08 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13828

Re: If Jeep has such poor reliability, how come they are everywhere?

Thegame14 wrote:
Sun May 24, 2020 10:15 am
there is a weird subculture around having one....
Like owning a Jaguar!
by SR II
Sat May 23, 2020 8:32 pm
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 68
Views: 4509

Re: Should I purchase my end-of-lease Audi A4?

I'd give them the car back when the lease ends. Save on insurance, lease/purchase payments, maintenance, etc. until you actually need two cars again. My guess is you will be able to get a screamin' deal on a vehicle when things start moving again. Wish my lease was coming due about now, rather than ...
by SR II
Thu May 21, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: New job / wife 33 weeks pregnant / paternity
Replies: 43
Views: 4847

Re: New job / wife 33 weeks pregnant / paternity

999 wrote:
Tue May 19, 2020 6:48 pm
Please don’t take this the wrong way, but I wonder if paternity leave is used more regionally. I don’t think I know anyone first hand who has used it. If I was the employer and my recent hire did option 1, that wouldn’t set the tone well.
Agree.
by SR II
Wed May 13, 2020 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Car Insurance; Bad Driver Penalty
Replies: 21
Views: 1735

Re: Car Insurance; Bad Driver Penalty

Uber or Lyft? I’m serious. $6000 pays for a lot of rides. And $6k/yr is just the price of insurance; not vehicle payments, servicing, fuel costs and parking! If this is a young male driver, the price will be high until he reaches age 25 for many companies and also for three to five years, when the ...
by SR II
Mon May 04, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13724

Re: Is Disney the most tempting value stock?

rich126 wrote:
Mon May 04, 2020 12:15 pm
But can you make movies right now? Maybe Pixar can but I thought most movies and productions are on hold.
Animation (produced by Disney/Pixar and other studios) is totally booming right now. All being done by artists from home. Just about only thing being produced during the pandemic.
by SR II
Thu Apr 30, 2020 5:12 am
Forum: Personal Finance (Not Investing)
Topic: Drivers license Cancelled
Replies: 48
Views: 5604

Re: Drivers license Cancelled

Due to COVID-19, the TSA will also accept an expired driver’s license for up to one year past expiration: https://www.tsa.gov/coronavirus I worked for TSA for over four years. TSA always accepted DL/ID that were up to a year past their expiration date. Passports, too. Also, you don't NEED an ID to ...
by SR II
Sun Mar 29, 2020 1:20 am
Forum: Personal Consumer Issues
Topic: LG dishwasher broke again! Advice..
Replies: 25
Views: 1205

Re: LG dishwasher broke again! Advice..

We moved into a house two years ago that had a builder grade GE from when the house was new (2004) that started leaking in December. The racks were corroded, depositing rust on the edges of the plates, several tines had broken off on both racks and it sounded like a freight train running through the...
by SR II
Mon Mar 16, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: Portable wash basin for hand laundry
Replies: 5
Views: 263

Re: Portable wash basin for hand laundry

How about using the kitchen sink?
by SR II
Thu Mar 05, 2020 11:30 pm
Forum: Personal Consumer Issues
Topic: House on the market in June, move-out in Oct/Nov?
Replies: 25
Views: 2049

Re: House on the market in June, move-out in Oct/Nov?

You're probably looking at next May to be realistic to put it up for sale. You get the nicer season, parents are already moved and pricing for school aged families will hold. So tell the agent to "cool your jets" and wait a year. +1 Especially if they don't need the money for the move. And, the occ...
by SR II
Sat Feb 22, 2020 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Auto/Umbrella Ins. for child with car in his name?
Replies: 7
Views: 801

Re: Auto/Umbrella Ins. for child with car in his name?

"Child"? Don't tell him!
I thought a little kid owned a car!
by SR II
Thu Feb 20, 2020 1:22 am
Forum: Personal Investments
Topic: I sold all my Apple shares today.
Replies: 40
Views: 6907

Re: I sold all my Apple shares today.

I had a small number of Apple shares that I bought 10 years ago that increased 4x in value. Today I sold near an all time high. Well actually I donated them to by Vanguard DAF. It felt good to time the market and sell high. These are my only individual stock holdings as the rest are VTI and VXUS. I...
by SR II
Wed Feb 12, 2020 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Identity theft
Replies: 13
Views: 2048

Re: Identity theft

OP - This doesn't have anything to do with your bank accounts, but you ought to contact the IRS and have them send you a PIN yearly. Our federal taxes were hacked about five years ago and someone filed as us. We didn't find out until we went to file our return electronically and our tax lady got an ...
by SR II
Mon Feb 10, 2020 3:19 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27775

Re: best concert

Why are people forgetting about Elvis in the 1970's and 1980's? Perhaps many/most of his fans have joined him. I thought about adding Elvis. I saw him in Vegas (in the late "Fat Elvis" days). I had a friend that drove to Vegas a few times in the mid 70s to see Elvis. She couldn't get anyone to go w...
by SR II
Mon Feb 10, 2020 2:40 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27775

Re:

topper1296 wrote:
Sat May 01, 2010 9:48 am
I work in the music business and have been to several concerts, but Elton John was my favorite.
My absolute favorite was Elton John at Dodge Stadium!
by SR II
Mon Feb 10, 2020 2:38 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27775

Re: Dating myself but it was

Hexdump wrote:
Sat May 01, 2010 8:38 am
Neil Diamond's Hot August Night

Greek Theater, Los Angeles, 1972.

Pure magic.
Hey, I was there!
by SR II
Fri Feb 07, 2020 12:31 am
Forum: Personal Consumer Issues
Topic: Airlines Headache
Replies: 58
Views: 4590

Re: Airlines Headache

TSA asks every single time. I've watched numerous times where they review a boarding pass and ask the kid, what's your name?, how old are you?, and who are you traveling with? I used to work for TSA and we were required to ask minors their name to try to reduce the chance of child abduction or traf...
by SR II
Wed Feb 05, 2020 8:09 pm
Forum: Personal Consumer Issues
Topic: Vacationing to Palm Springs, CA in two weeks. Advice?
Replies: 24
Views: 2228

Re: Vacationing to Palm Springs, CA in two weeks. Advice?

I second the suggestion of the aerial tramway up to Mt San Jacinto State Park: https://www.parks.ca.gov/?page_id=636 . But take appropriate attire if you want to leave the visitors' center and hike around at the top; we were there in May and it snowed on us. Lots of good hiking through forests.... ...
by SR II
Sat Feb 01, 2020 4:01 pm
Forum: Personal Investments
Topic: 401K provider changing at work - rollover or move out? + Portfolio review
Replies: 6
Views: 240

Re: 401K provider changing at work - rollover or move out? + Portfolio review

I believe 401ks and TIRAs have different laws when it comes to protection from lawsuits if you are sued. I'd look into that.
by SR II
Fri Jan 31, 2020 10:14 pm
Forum: Personal Investments
Topic: HELOC or not?
Replies: 33
Views: 1957

Re: HELOC or not?

We just opened a HELOC against our paid-off home. We are deep in the process of buying a new home and moving to another state. The purpose of the HELOC, in our case, is to: Pay for some deferred maintenance on the old house before listing Help pay for moving expenses Fund some improvements to the n...
by SR II
Thu Jan 30, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: Early retirement - Long term "successes"
Replies: 75
Views: 7318

Re: Early retirement - Long term "successes"

Google for Paul and Vicki Terhorst. One article: https://www.nextavenue.org/30-years-ago-they-retired-35-update/ "30 Years Ago They Retired at 35: An Update Globetrotter Paul Terhorst and his wife Vicki are loving their lives Paul Terhorst, a frugal Peat Marwick accountant who retired at 35 in 1984...
by SR II
Mon Jan 27, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Sell home or keep as rental?
Replies: 22
Views: 1134

Re: Sell home or keep as rental?

Say you make $700/month after covering expenses. That's your guaranteed income. Anything you sell the property for in the future is unknown. You could hold it and find you need to sell for some reason in another terrible market. You sell and you clear near $300k right now. That takes a lot of month...
by SR II
Mon Jan 27, 2020 2:35 am
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 8827

Re: When to Change Car Battery?

If your wife is comfortable using a portable jump starter battery than that may be a good excuse to buy one. I got mine from Costco. They hold a charge for many, many months. So, if the battery does fail to start the car you have a backup. We have roadside assistance as part of our car insurance po...
by SR II
Sat Jan 25, 2020 2:42 am
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10451

Re: What did you do cool with your money today?

manatee2005 wrote:
Fri Jan 24, 2020 1:59 am
SR II wrote:
Fri Jan 24, 2020 12:44 am
Went out to lunch (Panera Bread) and a matinee (Uncut Gems) this afternoon. Simple pleasures!
I thought you bought a manatee (dyslexia at work)
Now, that would really be cool!
by SR II
Fri Jan 24, 2020 12:44 am
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10451

Re: What did you do cool with your money today?

Went out to lunch (Panera Bread) and a matinee (Uncut Gems) this afternoon. Simple pleasures!
by SR II
Thu Jan 23, 2020 2:52 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27493

Re: Sad news: LadyGeek's husband has passed

My heartfelt condolences go out to you, LadyGeek. Thank you for sharing what you have learned (and are learning) on this life journey.
by SR II
Wed Jan 22, 2020 2:51 am
Forum: Personal Consumer Issues
Topic: Anybody else have trouble with USPS Informed Delivery?
Replies: 36
Views: 4383

Re: Anybody else have trouble with USPS Informed Delivery?

I was getting their email regularly for about a year. Then, about six months ago, it stopped completely. I signed up for it again. Then, I started getting two emails everyday! A couple of months ago, it went back to the regular once a day Monday through Saturday. Go figure! One thing that worried me...
by SR II
Tue Jan 21, 2020 8:43 pm
Forum: Personal Investments
Topic: Should we sell our rental portfolio?
Replies: 34
Views: 2683

Re: Should we sell our rental portfolio?

Sell! But, that is coming from someone that would not want to be a landlord in the first place!
by SR II
Tue Jan 21, 2020 8:16 pm
Forum: Personal Investments
Topic: Does This Sound Right to You
Replies: 36
Views: 2137

Re: Does This Sound Right to You

I think you simply misunderstood what the call-in client said. He did not say he was withdrawing $15,000/month from his savings. He said his income was $15,000/mo. What he says is that they "are living very comfortably on their 'retirement income' and their RMDS." The RMD would be about $40,000/yea...
by SR II
Sun Jan 19, 2020 4:15 am
Forum: Personal Consumer Issues
Topic: Magic Kingdom for a day or fun resort / hotel?
Replies: 56
Views: 4071

Re: Magic Kingdom for a day or fun resort / hotel?

Skip it and do something else with the money you'll save. WDW is a destination vacation and takes several days, not just a one day drive-by.
by SR II
Sat Jan 18, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 202
Views: 124797

Re: Banned from Home Depot Returns

...I do shop there very frequently. I'd change that to used to shop there very frequently. Check out Lowe's, Ace, your local hardware store, or your local lumber yard. In this area, by far the best hardware/DIY store is a local one. As long as we continue to hand them our cash, they think nothing i...
by SR II
Sat Jan 18, 2020 3:57 am
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 3153

Re: cheap-o rental car chains

If you don’t much care which of the major brands you rent from, Hotwire can work quite well. (You find out who you have booked with after you have paid.) We’ve found it to be well less expensive than booking directly. It can also help eliminate up selling at the counter. Cyclist (and sometime drive...
by SR II
Thu Jan 16, 2020 2:28 am
Forum: Personal Consumer Issues
Topic: Repaired Leased Car Return
Replies: 4
Views: 695

Re: Repaired Leased Car Return

Returned a leased vehicle last year that had been in two accidents; one driver error (about $8k frontend damage), one not ($2k quarter panel and door damage). Car was inspected by dealer upon return and subsequently sold on the dealer's lot just two days later as a "Certified Vehicle". Just saying.
by SR II
Thu Jan 16, 2020 2:18 am
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 3153

Re: cheap-o rental car chains

We rent cars at Burbank Airport a lot. I rent by price, not company. Although they don't have Sixt or Advantage, they do have Payless and Fox. We haven't rented from Fox there, as I don't know if they are located "off property" like they are in Las Vegas and don't want the hassle of having to get to...
by SR II
Mon Jan 06, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Good car for toddler and newborn
Replies: 41
Views: 2503

Re: Good car for toddler and newborn

RickBoglehead wrote:
Sun Jan 05, 2020 2:23 pm
Toddlers and newborns should not be driving. :twisted:
Exactly my thought when I read the title.
by SR II
Sun Jan 05, 2020 9:20 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan for first time
Replies: 44
Views: 2879

Re: Traveling to Japan for first time

A few years ago, I took my son to Japan as his high school graduation present. At first, having never been to Japan before, I was a bit overwhelmed and was thinking of doing an all inclusive tour. But, the more I looked into it, the more I thought I could make arrangements myself and tailor the trip...