Search found 2745 matches

by adamthesmythe
Mon Jun 17, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: 2013 Cadillac SRX - Corroded / Pitted Wheels
Replies: 9
Views: 486

Re: 2013 Cadillac SRX - Corroded / Pitted Wheels

Aftermarket wheels- especially fancy cool-looking wheels- are a thing. There are catalogs and websites all over. Discount Tire has some on display.

Find a catalog or website and let your inner teen driver out. Red pinstripes? Dominator in big white letters? Go wild.
by adamthesmythe
Mon Jun 17, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 56
Views: 2626

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

I have made many of the same choices you did EXCEPT the "high quality lenses." I figured there was no point in excellent optics in the eyeglasses when my own lenses were degraded by cataracts. You could have saved a few bucks there. I concluded just the opposite - that with the slightly degraded si...
by adamthesmythe
Mon Jun 17, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: wood floors and general cleaning: steam?
Replies: 29
Views: 1783

Re: wood floors and general cleaning: steam?

We don't wear shoes in the house. Swiffing* every couple of weeks is enough.

*TM
by adamthesmythe
Mon Jun 17, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 56
Views: 2626

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

1. It sounds a bit high. 2. It doesn't help to have prices from elsewhere from others who may not have prescriptions as complex and who may not have made the higher-end choices you made. 3. I have made many of the same choices you did EXCEPT the "high quality lenses." I figured there was no point in...
by adamthesmythe
Mon Jun 17, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: wood floors and general cleaning: steam?
Replies: 29
Views: 1783

Re: wood floors and general cleaning: steam?

I would not even think of using a steam cleaner on a wood floor. Engineering or otherwise.
by adamthesmythe
Mon Jun 17, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Posponing FIRE to go back to School
Replies: 16
Views: 1353

Re: Posponing FIRE to go back to School

I few thoughts I have a hard time (as a retired person who worked until a normal retirement age) understanding how one can be burned out at 29. Bored, yes. At the age of 29, pursuing additional education in an area that will make you employable makes good sense. After all, you are setting yourself u...
by adamthesmythe
Mon Jun 17, 2019 10:18 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 185
Views: 27911

Re: A way to "thank" posts

Accrual wrote:
Mon Jun 17, 2019 7:49 am
Send a PM. I would stop visiting this website if such Facebook-esque 'features' were ever implemented.
No. Use a PM to send a gift card.
by adamthesmythe
Mon Jun 17, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Powered Recliners. How reliable are they?
Replies: 8
Views: 494

Re: Powered Recliners. How reliable are they?

I did not know that there were powered recliners.

Can you plumb in a beer tap?
by adamthesmythe
Sat Jun 15, 2019 12:41 am
Forum: Personal Consumer Issues
Topic: Cost of mini split installation? [Ductless Air Conditioning/ Heat]
Replies: 36
Views: 2857

Re: Cost of mini split installation?

43K sounds awfully high to me. So I read some about mini-splits. I read that (1) they are not as ugly as they used to be (2) they cost more to install than conventional systems and (3) supposedly they are more energy-efficient. A while ago I installed a high-velocity AC system that uses much smaller...
by adamthesmythe
Fri Jun 14, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Side hustle: car rentals via turo
Replies: 16
Views: 1740

Re: Side hustle: car rentals via turo

I have (and am) seriously considering purchasing a minivan solely to rent out on Turo. People pay a premium for the space, generally rent them for longer periods than just a couple of days, and I think there is some money to be made here. Need to research more, but OP, I'm right there with you thin...
by adamthesmythe
Fri Jun 14, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Side hustle: car rentals via turo
Replies: 16
Views: 1740

Re: Side hustle: car rentals via turo

OP may well think different. But I don't even like allowing a valet to park my car, preferring to park it myself and walk.

I don't get the whole sharing economy thing. I admit it, I don't like to share.
by adamthesmythe
Fri Jun 14, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Petroleum pipeline on property
Replies: 27
Views: 2166

Re: Petroleum pipeline on property

Where I lived in a northeast city, houses on main streets had 10 inch or more natural gas pipelines running within 50 feet or less of the house. The pipelines were in the street, not on homeowner's property. I would be far more concerned about a natural gas pipeline than a gasoline or oil pipeline. ...
by adamthesmythe
Fri Jun 14, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Sellers assist or reduction in price
Replies: 12
Views: 770

Re: Sellers assist or reduction in price

Little more context. We were going up against other bids and we got the contract. I asked my realtor to run comps and she was seeing comps around 450s from a few yrs ago but this house has a lot of internal upgrades, which drew us to it. We went into contract and did inspections. Home inspection ca...
by adamthesmythe
Thu Jun 13, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Mailers for Medicare, AARP, etc to a younger person
Replies: 20
Views: 1268

Re: Mailers for Medicare, AARP, etc to a younger person

AARP starts mailing when you hit 50. So it seems like they are early.

Probably they confused you with someone else. In a few years you may get two copies of the same mailing. There is no realistic way to stop this.

You CAN avoid giving out your address for things in the future.
by adamthesmythe
Wed Jun 12, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Automobile air conditioning strategy
Replies: 21
Views: 2161

Re: Automobile air conditioning strategy

On (many, at least for mine) modern cars the temperature dial controls the amount of heat that is added to the cold air flow. Doing a reheat not only gives a more comfortable temperature on non-scorching days, it reduces the humidity. Just so you know- heat is diverted from the radiator and is total...
by adamthesmythe
Wed Jun 12, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2011

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

> But not an ideal summer destination.

Not a regular smilie user- is there one for ironic understatement?
by adamthesmythe
Wed Jun 12, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2011

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

I laugh, it's going to be 108F today here in Phoenix. It's great, all the snowbirds left at the first sign of the 90s ("Heeeeelp me I'm meeeeeeelting"), all the idiots are off the roads now. I'm in Arizona and have to disagree. Not all the idiot are off the roads; we have plenty that live here year...
by adamthesmythe
Wed Jun 12, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 30
Views: 2179

Re: Luxembourg--worth visiting?

OP has been coy about the purpose of the trip, other than the fact that someone else seems to be paying for it, or at least calling the shots. The problem with a short trip to Europe from the states is the loss of almost two entire days for travel plus one (and possibly more) being sleepy to comatos...
by adamthesmythe
Wed Jun 12, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Renting a car in Europe across countries
Replies: 20
Views: 905

Re: Renting a car in Europe across countries

I did that exact trip as a one-way rental a few years ago. It was not all that expensive. HOWEVER I had an unpleasant experience returning the car at the Munich airport. They were not willing to inspect the car and give me a receipt. Apparently between-country rentals belong to the original country ...
by adamthesmythe
Mon Jun 10, 2019 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Late Life/End of Life Expenses
Replies: 38
Views: 3678

Re: Late Life/End of Life Expenses

If they went into a nursing home and burnt through their assets in a few years, then they did not have high net worth.
by adamthesmythe
Mon Jun 10, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Laminating important documents - a good idea?
Replies: 34
Views: 2418

Re: Laminating important documents - a good idea?

FIREchief wrote:
Mon Jun 10, 2019 6:07 pm
Other than perhaps the diploma, aren't all of those easily replaced through the appropriate issuing agency?
And nobody really wants to see your diploma. In rare cases you may need an official transcript, where "official" often means sent directly by the institution.
by adamthesmythe
Mon Jun 10, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Laminating important documents - a good idea?
Replies: 34
Views: 2418

Re: Laminating important documents - a good idea?

I can't imagine needing those documents enough that there would be any need to "protect" them. I don't remember the last time I used a birth certificate. Maybe when I got my first passport?? Once you have a passport and a driver's license you won't need it again. I don't know where my social securit...
by adamthesmythe
Mon Jun 10, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 30
Views: 2179

Re: Luxembourg--worth visiting?

Taking a personal vacation to Europe for a total time of 5 days is crazy. If a business trip that's paid for...why not? Either way try very hard to find a way to extend the trip, and look for an interesting city to visit within train distance. Odds are you would be flying into another place anyway.
by adamthesmythe
Mon Jun 10, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6955

Re: Do you drive old cars for long distance travels?

I find it interesting that often people have this 7th type of sense to know whether or not there particular vehicle will have no problems at any particular age or mileage. It's typically an unknown when some type of mechanical issue may come up on a car whether relatively new or old. While I can't ...
by adamthesmythe
Mon Jun 10, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2011

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

Why would you even drag a 3y old in these places? Maybe I'm crazy and don't know it yet? :D Are you saying it's not worth it? If your kid isn't clamoring to go...maybe take him somewhere cheaper, easier, and more in tune with his attention span. Even if an older kid WANTS to go to Disneyland...ther...
by adamthesmythe
Mon Jun 10, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Buying new condo without a realtor - can I ask for realtor fee discount?
Replies: 15
Views: 788

Re: Buying new condo without a realtor - can I ask for realtor fee discount?

I would just negotiate for a lower overall price, condo, upgrades and all. It's not your concern how the builder and his rep split the pie.

Either there if flexibility to make the deal or there isn't.
by adamthesmythe
Mon Jun 10, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to buy Part D if you are subject to IRMAA?
Replies: 43
Views: 2438

Re: Does it make sense to buy Part D if you are subject to IRMAA?

Interesting thread. What if you get a devastating illness and need expensive meds in the middle of a year? Or what if you are hospitalized and given drugs to stabilize you and control pain? Can you sign up for part D in mid year or only during an open enrollment period which I think is Oct 15 - yea...
by adamthesmythe
Sat Jun 08, 2019 2:18 pm
Forum: Personal Investments
Topic: Guaranteed income stream options?
Replies: 14
Views: 1106

Re: Guaranteed income stream options?

Additional thoughts beyond "it can't be done"

make sure his expectations for SS are realistic, and are not based on calculators that assume similar earnings until full retirement age

maybe he needs to investigate monasteries.
by adamthesmythe
Fri Jun 07, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3553

Re: Toaster ovens - safe? better alternative?

I have seen a toaster oven (admittedly one very much in need of cleaning) catch fire.

Personally I don't like them at all. But you might just take your present one outdoors and run it until it stops smoking.
by adamthesmythe
Thu Jun 06, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: What documents are needed for new home purchase?
Replies: 3
Views: 377

Re: What documents are needed for new home purchase?

You don't NEED those things, but I believe you should want them.

Trust but verify.
by adamthesmythe
Thu Jun 06, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: HOA and Management Company
Replies: 3
Views: 609

Re: HOA and Management Company

The management company works for the board. You (and your neighbors) elect the board. If you (collectively) feel the management fee is to high, you can put the contract out for bid. If you want to do this, be prepared to get involved. It seems to me that the association manager has conflicting motiv...
by adamthesmythe
Wed Jun 05, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3655

Re: Does a big family need 2 big cars? Question for 3 kid+ families

> wife says: "What if the van goes in the shop?"

That's the thing. If you have a reasonable option or options if that happens you are OK with the smaller car.

Loaners, rental, do without.. in any case it's a Honda and is unlikely to spend much time in the shop.
by adamthesmythe
Wed Jun 05, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: HVAC Repair Nightmare - Thoughts, ideas, solutions
Replies: 37
Views: 3344

Re: HVAC Repair Nightmare - Thoughts, ideas, solutions

Bummer all around. I would say get it fixed- either with this company or another- then send a demand letter seeking much more compensation, follow up in small claims court if necessary. My guess is that they know they "done wrong" and that you can get some additional compensation. Would I need a la...
by adamthesmythe
Wed Jun 05, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: HVAC Repair Nightmare - Thoughts, ideas, solutions
Replies: 37
Views: 3344

Re: HVAC Repair Nightmare - Thoughts, ideas, solutions

Bummer all around. I would say get it fixed- either with this company or another- then send a demand letter seeking much more compensation, follow up in small claims court if necessary.

My guess is that they know they "done wrong" and that you can get some additional compensation.
by adamthesmythe
Wed Jun 05, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6074

Re: Suggestions on fraudulent medical bill

This seems to me to be pushing the envelope a bit but I do not see it as fraud.
by adamthesmythe
Wed Jun 05, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3092

Re: Refrigerator Advice

Buy what looks good and pray that it lasts. Nobody can tell you which brand is actually reliable, not even consumer reports. Most people say to avoid LG and Samsung because finding parts and people to work on them can be a nightmare. I didn't heed that advice and so far so good but its only been 10...
by adamthesmythe
Wed Jun 05, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Frequent Flyer miles for kids. Can I use them?
Replies: 12
Views: 683

Re: Frequent Flyer miles for kids. Can I use them?

Last time I checked, you could transfer your miles to another person for a fee.
by adamthesmythe
Wed Jun 05, 2019 5:52 pm
Forum: Investing - Theory, News & General
Topic: How do you talk to investment advisors socially?
Replies: 31
Views: 2033

Re: How do you talk to investment advisors socially?

> Asked her if she knew about bogleheads and she told me that that was a "risky" strategy.

Well it looks like OP started it.

Upon learning a person was a financial advisor...I guess I would change the topic to something less controversial...maybe politics. Or religion.
by adamthesmythe
Wed Jun 05, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4761

Re: Company requiring salaried employees to clock in?

It's not respectful management of professionals.

It seems that one would be justified in not doing any work outside of scheduled working hours.

If it's like the usual sort of management fad, it may well go away in time. Then some other sort of annoyance will appear.
by adamthesmythe
Wed Jun 05, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Automobile Dealer's Finances:
Replies: 5
Views: 468

Re: Automobile Dealer's Finances:

Abe wrote:
Wed Jun 05, 2019 9:24 am
There is some information here:

https://www.edmunds.com/car-buying/wher ... money.html
The article says

new car sales 30%

used sales 26%

service and parts 44%

In other words a diversified portfolio tilted towards service.
by adamthesmythe
Tue Jun 04, 2019 10:27 pm
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 4686

Re: Are we downsizing too much?

1. Most people use a house far less for visitors than they thought. Don't let the tail wag the dog. Children may be perfectly happy sleeping on a mattress on the floor. 2. You will enjoy a larger master bedroom with attached bath. A house for two with three small bedrooms makes no sense. 3. Spare be...
by adamthesmythe
Tue Jun 04, 2019 9:50 pm
Forum: Investing - Theory, News & General
Topic: Why put money in a Tax deferred 401k if Taxes will be higher in the future?
Replies: 25
Views: 2129

Re: Why put money in a Tax deferred 401k if Taxes will be higher in the future?

> Why put money in a Tax deferred 401k if Taxes will be higher in the future?

Because maybe they won't be?
by adamthesmythe
Tue Jun 04, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Zillow house price estimate
Replies: 44
Views: 5997

Re: Value of Zillow house price estimate

Zillow estimates are an excellent value for the price. Indeed, I think they are worth several times the price paid.

As far as accuracy- my guess is sometimes OK, and possibly off by +/- 50 % in some cases.
by adamthesmythe
Tue Jun 04, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 92
Views: 7237

Re: Walking Cities, potential for retirees

It's easy enough to find neighborhoods that meet this requirements in many northeast cities, that were built up with relatively high density before cars were common. But ice and snow part of the year can make walking unsafe. Where I lived uncleared sidewalks could only have been called treacherous. ...
by adamthesmythe
Mon Jun 03, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3689

Re: Havasupai, Have a Sticker Shock

Many of the places that you might want to visit get booked up instantly. For example, for Phantom Ranch, you can call the day reservations open for a year in advance and not get through for an hour until all the reservations are gone. MAYBE raising the price will make it possible to book without bei...
by adamthesmythe
Mon Jun 03, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2011

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

Might consider going to San Diego from Anaheim and then taking I-8, which will bypass Phoenix. It will be a little more distance but might be less time due to avoiding LA traffic and Phoenix traffic. Instead of more northerly routes that are very hot, this is even hotter. But possibly easier. There...
by adamthesmythe
Mon Jun 03, 2019 11:11 am
Forum: Investing - Theory, News & General
Topic: Do Buy & Hold Index Investors "need" people to actively invest?
Replies: 26
Views: 2186

Re: Do Buy & Hold Index Investors "need" people to actively invest?

There is a continual flow of posts worrying about this issue.

Personally I have a strong belief that there is an infinite reservoir of people who will believe they are smarter than the market.
by adamthesmythe
Mon Jun 03, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3686

Re: Invited to vacation house then surprised with expenses—what now?

This is a relationship and etiquette issue.

Miss Manners says that it is improper to make an invitation and then ask people to pay for the event.
by adamthesmythe
Mon Jun 03, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2011

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

Once you get out of LA it will be easy. Hot, very hot actually, but an easy drive.

Getting out of LA can take hours, depending.