Search found 652 matches

by mancich
Sat Aug 17, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Best method for handling work task list and note taking?
Replies: 17
Views: 1013

Re: Best method for handling work task list and note taking?

I do carry my laptop everywhere and use it both to take notes and to manage my task list. All documents are in Google Docs, which is what my company uses instead of MS Office. It has two features that make it especially well suited for note taking: 1) You can give permission for all meeting attende...
by mancich
Sat Aug 17, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Best method for handling work task list and note taking?
Replies: 17
Views: 1013

Re: Best method for handling work task list and note taking?

Great feedback, thanks everyone. I'm leaning toward using a simple ruled journal type notebook (like a hardcover Moleskine) for note-taking, and then where specific follow-up is needed by me/my team, mark it as such on the notes, then type into Outlook tasks. May not be perfect, but like I said, I d...
by mancich
Sat Aug 17, 2019 5:11 am
Forum: Personal Consumer Issues
Topic: Best method for handling work task list and note taking?
Replies: 17
Views: 1013

Best method for handling work task list and note taking?

Hello all, This may seem like a strange topic, but I struggle with the best method to use for note-taking and managing my task list as I go through my day at the office, in various meetings, one-on-one's, conference calls, etc. Sometimes I am at my own desk, sometimes in a conference room, sometimes...
by mancich
Sat Aug 17, 2019 4:58 am
Forum: Personal Finance (Not Investing)
Topic: 21 and starting career, need advice
Replies: 15
Views: 1599

Re: 21 and starting career, need advice

No kids. Neverrrrr! Unless I start a mining company and need cheap labor... :twisted: :D I get a significant raise once I'm off of new-hire probation, and my minimum salary if I score the lowest on my performance reviews will be a hair under $40k five years in. With mandatory overtime, closer to $6...
by mancich
Wed Aug 14, 2019 4:36 am
Forum: Personal Consumer Issues
Topic: Skunks keep coming in our yard!
Replies: 30
Views: 2236

Re: Skunks keep coming in our yard!

You may have grubs in your lawn. This is food for skunks. If you kill the grubs, your yard becomes less attractive. +1. They love grubs. Look for patchy brown spots in your lawn. If you have them, pull back the sod, and see if they are under the surface. I would apply Grub-Ex in any event. I’d also...
by mancich
Sat Aug 10, 2019 5:41 am
Forum: Personal Consumer Issues
Topic: Verizon Network Extender
Replies: 13
Views: 594

Re: Verizon Network Extender

You can buy one right from Verizon. It is expensive, though. The Samsung shown on the page below is $250

https://www.verizonwireless.com/product ... -boosters/
by mancich
Sat Aug 10, 2019 5:37 am
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10110

Re: Healthy fast food

We like Panera. While considered "fast casual" and not true fast food, with their app you can easily order ahead of time and have the food ready for you when you get there. Then just grab the bag and go. Great selection of salads and sandwiches.
by mancich
Fri Aug 09, 2019 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 314
Views: 23433

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

What if one were to take the benefits starting at 62 (assuming they don't need the SS to live on), and invest it at a conservative rate of return (say 4%)? Would the combination of the lower payment invested for 8 years (age 62 through 69), plus the out years (age 70 to death, whenever that is) resu...
by mancich
Tue Aug 06, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Shed foundation
Replies: 33
Views: 1951

Re: Shed foundation

I would pour a slab and anchor it to that. In addition to giving the structure something firm and steady to sit on, it is a much nicer area to store whatever you're keeping in the shed. +1. Do it right and you won't regret it. We bought a new free-standing shed a few years ago (10 x 14). Had a cont...
by mancich
Tue Aug 06, 2019 5:48 am
Forum: Personal Consumer Issues
Topic: Up State New York speeding ticket for a non-New York resident.
Replies: 21
Views: 2257

Re: Up State New York speeding ticket for a non-New York resident.

I live in upstate NY. If you’re sure there is no reciprocity from the standpoint of points on your license, then you only have to deal with possible insurance repercussions, pay the fine and move on, since you’re not going to show up in court to plead it down. The times I received a violation, I sho...
by mancich
Mon Aug 05, 2019 7:10 am
Forum: Investing - Theory, News & General
Topic: Where do you put your sinking fund?
Replies: 23
Views: 2221

Re: Where do you put your sinking fund?

We keep money in Capital One online savings and Ally. We have a “main” emergency fund, then 4 or 5 other sub accounts, such as House, Vacation, Christmas, and Estimated Taxes (wife has 1099 income in addition to her main job). It may sound like I am making things complicated, but this little bit of ...
by mancich
Sun Aug 04, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8049

Re: Extreme Anxiety with Time/Money

I have some of your tendencies, so I can empathize. As others have said, exercise, outsourcing, and prioritizing will help. Learning to shrug things off is hard to do with your personality, and a qualified therapist would be a good investment. Life really is too short to stress out so much over some...
by mancich
Thu Aug 01, 2019 3:48 am
Forum: Personal Consumer Issues
Topic: Should I finance new car purchase?
Replies: 16
Views: 1340

Re: Should I finance new car purchase?

Thanks for the replies everyone. Going car shopping today :beer
by mancich
Wed Jul 31, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Should I finance new car purchase?
Replies: 16
Views: 1340

Re: Should I finance new car purchase?

I purchased last month and financed at 0.9% plus something like $1k in incentives above what I would have gotten paying cash. To me, that made the most since, and at that rate, I have no incentive to pay it off earlier. Even my regular savings account is earning more interest than that these days. ...
by mancich
Wed Jul 31, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Should I finance new car purchase?
Replies: 16
Views: 1340

Re: Should I finance new car purchase?

I don’t think you can go wrong with any of those car options, and any of the financing options you listed (especially the zero percent Subaru loan, but even the 1.9% loans are not a big deal) if those loans are factory financing and don’t require a dealer contribution. All are great cars. I get tha...
by mancich
Wed Jul 31, 2019 6:35 am
Forum: Personal Consumer Issues
Topic: Should I finance new car purchase?
Replies: 16
Views: 1340

Re: Should I finance new car purchase?

Money is fungible. It doesn't sound like there are any strings attached to the funds from your company, and I'm guessing they get taxed the same whether it goes straight to a car place or to your pocket. So ultimately, this boils down to a simple buy cash or finance question, which is asked all the...
by mancich
Wed Jul 31, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Should I finance new car purchase?
Replies: 16
Views: 1340

Re: Should I finance new car purchase?

I've had a car allowance for decades. First, I'll congratulate you on not going nuts and spending every dime on a Lexus/Infinity/Mercedes like many sales people seem to do around me in the past. Next, I'd recommend finding a 1 year old Legacy. These are about the only Subarus that depreciate like a...
by mancich
Wed Jul 31, 2019 4:39 am
Forum: Personal Consumer Issues
Topic: Should I finance new car purchase?
Replies: 16
Views: 1340

Should I finance new car purchase?

Hello All, I'm moving into a new role within Megacorp. I will be handing in my company car, and getting a generous car allowance that covers car payment (if any), insurance, and gas. Any amount not spent each month, I get to keep. It just gets dumped into my bi-weekly paycheck. The only other car we...
by mancich
Sat Jul 27, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Excel guru needed...
Replies: 8
Views: 1467

Re: Excel guru needed...

I bet Power Query could do it. This is built into Excel under Data, Get Data on the ribbon. It can access information on websites, databases, text files, and much more. Check out ExcelIsFun on YouTube, as well as Mr Excel on YouTube. The nice thing is that once it is set up, you can just refresh it ...
by mancich
Sat Jul 27, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: WiFi speed, is this normal?
Replies: 36
Views: 2722

Re: WiFi speed, is this normal?

I used to have a similar asus router with similar issues where my internet speed would drop down, or quit completely for several minutes. This happened quite frequently - several times a week. I work from home so it was quite annoying. I upgraded to google wifi routers and it solved the problem. +1...
by mancich
Sat Jul 27, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Electrician required to replace rocker light switches with PIR motion detecting light switches?
Replies: 36
Views: 2805

Re: Electrician required to replace rocker light switches with PIR motion detecting light switches?

if you have a handy relative, they should be able to install it for you no problem (assuming you absolutely don't want to attempt it yourself). If you don't want to wait, there is no shame in hiring a licensed electrician. If you go that route, talk to friends/neighbors to get recommendations of ele...
by mancich
Sat Jul 27, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Cheapest way to finance home improvements?
Replies: 18
Views: 1615

Re: Cheapest way to finance home improvements?

If Dad moves in, and you put him in the newly finished basement, will there be any issues with him going up and down stairs? If he is still spry, then maybe not, but that can change quickly, and a fall can be a disaster in older folks.
by mancich
Fri Jul 26, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Upgrading Patio Furniture:
Replies: 7
Views: 859

Re: Upgrading Patio Furniture:

Is there a way to spray prime and paint them without getting the paint on the rubber webbing? My brother-in-law did this type of thing a year ago. He and my sister brought all the furniture to the edge of their property near the woods, lightly scuffed up the furniture with sandpaper , masked off eve...
by mancich
Fri Jul 26, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 5765

Re: Thank you notes,,, out of favor these days?

Seems very parent-dependent to me. Agreed and just a suggestion to the parents of young children reading this thread. If when your children are young, you encourage (require) them to make simple thank you notes for gifts they receive, you'll be gifting them a lifelong social skill. +1000 It starts ...
by mancich
Thu Jul 25, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Oil to natural gas conversion anyone?
Replies: 43
Views: 1979

Re: Oil to natural gas conversion anyone?

if your tank is in-ground make sure you get it legally abandoned. We had to have our local building inspector come out after the in-ground tank was cleaned out and filled with pea gravel, to ensure the tank contractor did it properly and that there were no leaks. The building inspector gave us somet...
by mancich
Tue Jul 23, 2019 11:12 am
Forum: Personal Investments
Topic: A little discouraged with earnings, is it really this slow?
Replies: 66
Views: 9432

Re: A little discouraged with earnings, is it really this slow?

Don’t be discouraged. Your diligence and attention is already paying off, and as your balances grow you will get more and more encouraged. Keep at it!
by mancich
Wed Jul 17, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Deck with Lattice skirt
Replies: 13
Views: 1069

Re: Deck with Lattice skirt

In order to help drain water away from our foundation/crawlspace we had the space under the deck graded slightly away from the house. Then the builder laid down a heavy mylar film and gravel (actually, I think it is small river stone of some kind) ballast. I didn't want the space under the deck to ...
by mancich
Wed Jul 17, 2019 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 5139

Re: Do you care about your home appreciating?

bubbadog wrote:
Tue Jul 16, 2019 4:43 pm
I care about all of my assets appreciating, including my home.
+1 Of course I like to see the value of my house rise, along with my mutual funds, 401k, etc
by mancich
Wed Jul 17, 2019 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 5139

Re: Do you care about your home appreciating?

bubbadog wrote:
Tue Jul 16, 2019 4:43 pm
I care about all of my assets appreciating, including my home.
+1 Of course I like to see the value of my house rise, along with my mutual funds, 401k, etc
by mancich
Mon Jul 15, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 205
Views: 32521

Re: Millionaire by 40 and How you Did it?

Didn't reach it until 45, unfortunately. But have since enjoyed a higher income, wife has a good income, and while we aren't super-frugal, we do live well below our means and invest a lot every month. Now we're at $1.7MM and I feel very fortunate. :beer
by mancich
Wed Jul 10, 2019 3:49 am
Forum: Personal Consumer Issues
Topic: Wize Cam reviews
Replies: 23
Views: 1725

Re: Wize Cam reviews

I don't know how they do it, but I've got 4 of them and they're great. Two-way sound (not super clear, but good enough), HD video, the ability to pan back and forth on the pan model, records 12 second motion clips (and you can add a cheap SD card for continuous recording), sends notifications to pho...
by mancich
Tue Jul 09, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce and pension/401k/IRA split
Replies: 31
Views: 2662

Re: Divorce and pension/401k/IRA split

I’m not a lawyer but I would think most states will require that some amount of child support be written into the agreement, even if that amount is lower than the state requirement. I’m not sure child support can be completely forfeited by the custodial parent. There may be some very nominal minimum...
by mancich
Sat Jul 06, 2019 6:21 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4635
Views: 1196254

Re: What Movie Have You Recently Watched?

The Sum of All Fears with Morgan Freeman and Ben Affleck. I had never seen it, and watched it on Amazon Prime video yesterday. it was actually pretty good. Really drove home the point of how miscalculation and misunderstanding between countries can potentially result in disaster.
by mancich
Sat Jul 06, 2019 6:08 am
Forum: Personal Consumer Issues
Topic: Have you cleaned your own carpets?
Replies: 26
Views: 1829

Re: Have you cleaned your own carpets?

We have rental units and I bought a rental grade Rug Doctor that our manager uses when we have a vacancy. I think it does just as good a job as the truck mounted machines if you know how to use it. We shampoo twice and then rinse with clear water twice. The guys with the truck mounted machines may ...
by mancich
Fri Jul 05, 2019 5:58 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 6125

Re: Are you a serious DIYer?

This is a great thread. I hire a contractor to do things I don't feel confident doing and/or that take too much time. Serious plumbing or electrical I would hire out. HVAC I would hire out. Simple electrical, like putting in a dimmer switch, I'll do myself. Other mundane things we do ourselves (like...
by mancich
Fri Jul 05, 2019 5:54 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3910
Views: 1118850

Re: What Book Are You Currently Reading? Part VI

The Great Depression: A Diary. Powerful first hand account of what the Depression was really like for a middle class family.
by mancich
Fri Jul 05, 2019 5:52 am
Forum: Personal Consumer Issues
Topic: Belt sander or disc sander for refinishing decks?
Replies: 32
Views: 2587

Re: Belt sander or disc sander for refinishing decks?

I've also said "this is the last time" several times. Just refinished our PT wood deck last month, and not doing it again. It is only 12' x 20', but is a royal pain in the butt. Composite all the way :beer
by mancich
Mon Jul 01, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: anyone in the market for a lawn tractor?
Replies: 31
Views: 1987

Re: anyone in the market for a lawn tractor?

Another vote for a John Deere tractor. We have the LA115, bought from a dealer 11 years ago. It was around $1,600 at the time. I change the oil regularly, keep the blades sharp, and bought a bagger kit for it as well. No issues whatsoever. We have about .75 acre of mowable grass, and the Deere makes...
by mancich
Mon Jul 01, 2019 4:02 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 53436

Re: Does anyone here with net worths north of $1 mil use financial advisors?

radiowave wrote:
Fri Oct 20, 2017 5:25 pm
RadAudit wrote:
Fri Oct 20, 2017 5:21 pm
My FA is Bogleheads.org, the books, the wiki ... Their charge for AUM seems reasonable.

Many thanks to all.
+1 :)
+1000. Tried a FA advisor a few years back. He added no value, and was constantly trying to sell me insurance-based "investment". No thank you.
by mancich
Mon Jul 01, 2019 3:58 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 20961

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

Would you share your net worth with family members? Mainly I'm wondering about sharing personal milestones such as one's portfolio reaching one million (as an example) with your parents and siblings. How about if they ask? Would you tell them? Just looking for people's thoughts on this. Why? What g...
by mancich
Tue Jun 25, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 37
Views: 3539

Re: Facebook reading our minds?

This does not answer the OP's question, nor is it directed at the OP in any way, but is about FB in general. I have a FB account and am a very light user, rarely post, and just read the news feed now and then. I know a lot of adults who spend an inordinate amount of time looking at FB, almost as a ...
by mancich
Tue Jun 25, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 37
Views: 3539

Re: Facebook reading our minds?

This does not answer the OP's question, nor is it directed at the OP in any way, but is about FB in general. I have a FB account and am a very light user, rarely post, and just read the news feed now and then. I know a lot of adults who spend an inordinate amount of time looking at FB, almost as a c...
by mancich
Thu Jun 20, 2019 3:53 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3910
Views: 1118850

Re: What Book Are You Currently Reading? Part VI

"What the Dog Saw" by Malcom Gladwell. Pretty interesting.
by mancich
Wed Jun 19, 2019 3:04 am
Forum: Personal Consumer Issues
Topic: wood floors and general cleaning: steam?
Replies: 29
Views: 2162

Re: wood floors and general cleaning: steam?

Bona, and a good quality microfiber mop. Pretty quick.
by mancich
Sat Jun 15, 2019 5:12 am
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 87
Views: 9399

Re: How safe are pensions in the U.S.?

As far as corporate pensions go, how much do you trust CEOs and companies to keep their promises? That's what I thought. +1000 I agree, and don't trust them at all. Yet another reason I plan to take the lump sum when I retire. I'm fortunate my pension has that option. I'll take it, roll it to an IR...
by mancich
Fri Jun 14, 2019 4:48 am
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4349

Re: 50 or 75 gallon water heater?

It depends very much on the recovery rate of the water heater, arguably much more important than how much water the tank holds. To illustrate, the "tankless" heaters have a tank volume of close to zero, but a very high recovery rate (essentially instant.) They work fine and the water doesn't ever g...
by mancich
Fri Jun 14, 2019 4:45 am
Forum: Investing - Theory, News & General
Topic: John Bogle gives tips for life on Father’s Day
Replies: 20
Views: 4041

Re: John Bogle gives tips for life on Father’s Day

Excellent, thanks for posting this!
by mancich
Fri Jun 07, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3812

Re: Toaster ovens - safe? better alternative?

1983 called, it wants its toaster oven back (just kidding) :D