Search found 275 matches

by 3feetpete
Mon Nov 12, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Moving to NYC without a job
Replies: 32
Views: 4806

Re: Moving to NYC without a job

Go for it! Fortune favors the brave.
by 3feetpete
Wed Nov 07, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2253

Re: Best strategy basement mold

I used a dehumidifer to keep my basement mold and mildew free. It had a built in humidistat so it only ran when necessary and generally not at all in the winter. The reason mold is common in basements is that in the summer the basement is usually cooler than outside. So air that infiltrates from ou...
by 3feetpete
Wed Nov 07, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2253

Re: Best strategy basement mold

I used a dehumidifer to keep my basement mold and mildew free. It had a built in humidistat so it only ran when necessary and generally not at all in the winter. The reason mold is common in basements is that in the summer the basement is usually cooler than outside. So air that infiltrates from ou...
by 3feetpete
Tue Nov 06, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1652

Re: Need ideas for unusual gifts for preteen boy

a cheap drone
some kind of adventure trip you two can do together, fishing, skiing, white water rafting. Whatever is available near you.
by 3feetpete
Tue Nov 06, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2253

Re: Best strategy basement mold

I used a dehumidifer to keep my basement mold and mildew free. It had a built in humidistat so it only ran when necessary and generally not at all in the winter. The reason mold is common in basements is that in the summer the basement is usually cooler than outside. So air that infiltrates from out...
by 3feetpete
Fri Nov 02, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5146

Re: People with older car, share your unusual repairs

The most unusual repair I made on a 2006 Subaru Outback with only 100k miles on it. I had to replace the oil dipstick which broke off the finger handle. This was at a time I was checking oil frequently because of an oil leak. I eventually had the head gasket replaced to take care of that. The head g...
by 3feetpete
Wed Oct 24, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: How to deal with recruiters when not actively looking for job?
Replies: 21
Views: 2718

Re: How to deal with recruiters when not actively looking for job?

I always told them the truth about my current situation and gave them contacts for people that I knew might be interested in the position they were trying to fill. They really appreciate the contacts. That’s their lifeblood. And then I entered the recruiter contact info on my phone with a catchword ...
by 3feetpete
Sun Oct 21, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Using Mint: Am I correct in having my security concerns allayed?
Replies: 18
Views: 2100

Re: Using Mint: Am I correct in having my security concerns allayed?

My Capital One credit card is set up so that I get a text whenever a charge is made. The text arrives within seconds of the charge being made so if I ever see a false charge I have plenty of tie to cancel it before any money changes hands. If Mint gets hacked and someone gets ahold of my Capital One...
by 3feetpete
Sat Oct 20, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Using Mint: Am I correct in having my security concerns allayed?
Replies: 18
Views: 2100

Re: Using Mint: Am I correct in having my security concerns allayed?

I use Mint only to track expenditures not portfolio. So credit cards and a checking account that I don’t keep more than a few thousand in. I’m not too worried about them getting hacked but if they are there is not much damage that can be done.
by 3feetpete
Thu Oct 18, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 130
Views: 8157

Re: When to change tires; and what brand

Tire pressure goes up in warm temperatures or when the tire is warm from driving. Besides the recommendation on tread depth discussed hear age of tire needs to be considered. A tire over six years old may be dry rotted. Look for fine cracks on sidewalls. I replaced an old set recently that I could a...
by 3feetpete
Wed Oct 17, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: how to buy parents a house in Florida (with cash)
Replies: 8
Views: 1304

Re: how to buy parents a house in Florida (with cash)

I did the same years ago for mother in law. I don’t remember all the details but an attorney set up a quit claim deed that gave us the right to claim the homestead exemption while I still held title.

Check out Century Village in West Palm Beach for low cost of living in nice place.
by 3feetpete
Tue Oct 16, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 1858

Re: Sneakers with good arch support

I use New Balance tennis sneakers because they are available in widths and I use Aetrex L 420 inserts with them. I used to use Superfeet inserts but found Aetrex to be superior.
by 3feetpete
Mon Oct 15, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2083

Re: Bed bug problem attack plan

Purchase a bugproof case for your mattress and box spring. You can buy them at Walmart. They will trap any existing bugs inside and prevent new bugs from getting into the crevices. take all clothes and bedding and wash and then dry at a high heat. For those things you don't want to wash and dry you ...
by 3feetpete
Sun Oct 14, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2721

Re: Making Winter Camping more comfortable

Keeping head and face warm while sleeping is critical to getting a good nights sleep. Don’t put head in sleeping bag as your breathing will make bag damp. Instead get a wool sweater to pull over your face and head. Also avoid temptation to get into bag with your day clothes as this introduces moistu...
by 3feetpete
Thu Oct 11, 2018 7:16 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3552

Re: 5 ways target-date funds let investors down

To me a big negative for target date funds occurs after retirement. I'm retired and drawing down my portfolio while I delay SS until 70. I like being able to choose whether I sell a stock fund or a bond fund when I need cash. With stocks at all time highs I've been selling stock funds. If the stock ...
by 3feetpete
Mon Oct 08, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Medicare.gov Part D Drug Plan Accuracy?
Replies: 11
Views: 1096

Re: Medicare.gov Part D Drug Plan Accuracy?

I had a similar problem with my Cigna part D plan this year. They started off the year by charging me more than what the medicare.gov said the cost would be. One drug they said was a higher tier and another they said they didn't cover the dosage that my prescription required. I paid the higher rate ...
by 3feetpete
Fri Oct 05, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Dehumidifier and humidity meter recommendations
Replies: 25
Views: 1879

Re: Dehumidifier and humidity meter recommendations

I bought a Friedrich dehumidifier and it dehumidified my basement adequately and ran for years. I mounted a couple of shelf brackets on a wall and drained it it to the laundry drain. I could have drained it into the air conditioner drain if the laundry drain wasn't available. Friedrich also makes un...
by 3feetpete
Wed Sep 26, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Professional women's shoe that will fit a removable orthotic insert?
Replies: 6
Views: 741

Re: Professional women's shoe that will fit a removable orthotic insert?

Consider whether you really need your custom orthotic for work. How much are you on you feet during a typical work day? You could come up with a compromise solution. Consider an off the shelf orthotic that provides good support but isn't as thick as a custom. Superfeet makes a slim insert that is de...
by 3feetpete
Tue Sep 25, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house in retirement??
Replies: 23
Views: 3884

Re: Buying house in retirement??

An Asset Depletion Loan may be the answer if you have substantial amounts in IRA's and 401k's. Do an internet search to learn the rules and find lenders that provide them
by 3feetpete
Tue Sep 25, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7476

Re: Fed up with health insurance situation

The root problem is that we are spending too much on healthcare. Healthcare is something like 18% of our economy or about 10k per person per year. That is unsustainable. Someones got to pay that. Insurance companies have to take in more than they pay out to cover their overhead and profit. The feder...
by 3feetpete
Mon Sep 24, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 20
Views: 2637

Re: Bareboat Charter in BVI

WIfe and I bareboat chartered a monohull out of Tortolla many years ago. If you have an option to get fully provisioned I recommend you go with it. As I recall there weren't many places to get groceries then and I supect there may be even fewer since the hurricane. The sailing is excellent. Steady b...
by 3feetpete
Mon Sep 24, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8275

Re: How did you decide when to retire?

I retired at 65. I was planning to go to 66 (my full retirement age) but a year before that, the company I was working for was bought. I didn't see a place for myself in the new company so I pulled the plug a year early. Wife and I have no debt and have substantial savings in 401k's and IRA's. Calcu...
by 3feetpete
Mon Sep 10, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Run Air Conditioner even if not needed?
Replies: 30
Views: 3051

Re: Run Air Conditioner even if not needed?

Check the humidity. You can get an instrument to monitor on Amazon for less than $10. If it is above 60% you should either run the AC or invest in a dehumidifier. High humidity can promote mold and mildew growth.
by 3feetpete
Sun Sep 09, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Trenchless Sewer line repair
Replies: 4
Views: 958

Re: Trenchless Sewer line repair

There are two different technologies. Trenchless replacement is very common. A directional torepedo is used to make a hole through which a replacemnt sewer line is pulled. Usually the torpedo is used only where needed to get under a road, driveway or utility without digging a trench. The rest of the...
by 3feetpete
Thu Sep 06, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Wisdom Tree
Replies: 6
Views: 794

Wisdom Tree

Has anybody reviewed the Wisdom Tree ETF's claim that they are smarter than indexing? I just saw an add where they have a Wharton Professor claim that indexing is yesterday's news and that they have a system that favors the better companies within an index. It all sounds good but I went to their web...
by 3feetpete
Tue Aug 28, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: target date retirement funds or 3 fund portfolio
Replies: 12
Views: 1209

Re: target date retirement funds or 3 fund portfolio

I am retired and living off my IRA's. I prefer keeping stocks and bonds separate rather than in a target date fund. With a target date fund when you take a distribution some percentage is stocks and some is bonds. That is the issue I have with them I choose what I sell when I need to take a distribu...
by 3feetpete
Tue Aug 28, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 656
Views: 96570

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

After seeing this thread I bought a Hyundai Tucson instead of the CRV I was planning to buy. It too has a small turbo assisted engine. The Owner's manual gives me a wide range of viscosities I can use but cautions that the heavier weight oils may result in poorer fuel mileage. The Hyundai engineers ...
by 3feetpete
Tue Aug 28, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 656
Views: 96570

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Has anyone considered using a heavier weight oil to make up for thinning of the oil due to fuel dilutiton?
by 3feetpete
Tue Aug 28, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 7544

Re: Unique Phone Apps that you find yourself using most often?

Mint to track costs Wayz to get around traffic jams. Fitbit to track fitness, sleep and count calories in vs calories out. Weatherbug for weather at all my locations Robokiller to take care of robocalls Night sky to identify stars and planets at night Go Paddling gives locations, reviews and directi...
by 3feetpete
Wed Aug 22, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Programming new Toyota Camry (2007) key/fob
Replies: 10
Views: 757

Re: Programming new Toyota Camry (2007) key/fob

I would go ahead and try the online purchase. It's so much cheaper. I did it with my wifes 2006 Subaru and it was a little complicated but I had a good set of instructions. It involved pushing and pulling the door lock button to input each number of the fobs serial number. And I had to do it all wit...
by 3feetpete
Tue Aug 21, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3368

Re: Composite Decking Material

I replaced a wood deck with Trex several years ago. Overall I am happy with it however it did get midew spots. This problem is mostly if the deck is in the shade. You can prevent this by spraying with a bleach solution once in awhile. One other caution is that the manufacturer recommends against usi...
by 3feetpete
Mon Aug 20, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: How do you pay for purchase of a vehicle in retirement?
Replies: 38
Views: 4050

Re: How do you pay for purchase of a vehicle in retirement?

When i needed a new car a year ago, I decided on the brand and model. Negotiated the price and then took the factory-incentive 0% interest rate financing. Before anyone tells me I am rallying paying for that rate, I negotiated hard for the best price. Several dealers. Essentially at 0%, any positiv...
by 3feetpete
Tue Aug 14, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5262

Re: How often do you check your brokerage accounts

When markets are rising, I check every day. When they are falling, I don't check at all. :D
by 3feetpete
Mon Aug 13, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plans & Retirement
Replies: 12
Views: 1982

Re: High Deductible Health Plans & Retirement

If you are going to be on medicare, consider plan B covers 80% of the cost with only a nominal deductible. The supplemental plans cover only the remaining 20%. For me the high deductible plan F saves $1,000 in premiums. I would have to incur over $5,000 in medical expenses in order for my out of poc...
by 3feetpete
Mon Aug 13, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: What's a good way to calculate when I have won the game??
Replies: 23
Views: 4600

Re: What's a good way to calculate when I have won the game??

Go to firecalc.com There you can do a montecarlo simulation based on past investment returns for over a century. It's free however they do request a donation to help maintain the site. You input your yearly expenses and income stream along with your portfolio dollars and percentages of stocks and bo...
by 3feetpete
Mon Aug 06, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 2694

Re: Getting the stink out of synthetic shirts

The bacteria that thrive in synthetic clothes and create that smell cannot survive for long in a high ph wash. You can make the wash high ph by using a lot of detergent and/or borax. I use 3x the normal detergent on the longest cycle and then add a second rinse cycle to rinse all that soap away. Ano...
by 3feetpete
Mon Aug 06, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7187

Re: DW job in dangerous area

Economically it doesn't make sense for her to work this job however there are other things at work here like her feeling of self worth perhaps. If she does take the job you can take comfort in that most of the crime probably takes place late at night. I used to have to go into the South Bronx which ...
by 3feetpete
Mon Aug 06, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Pulled the trigger
Replies: 15
Views: 2917

Re: Pulled the trigger

Congratulations on your retirement. It looks like you did a lot of things right to get to where you are and you will continue to do so. I retired a year ago at 65 an am also deferring SS until 70. I have been drawing off of my IRA and yet it continues to grow due to the good market. We are lucky to ...
by 3feetpete
Mon Aug 06, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Headset for conference calls while mobile
Replies: 9
Views: 784

Re: Headset for conference calls while mobile

I have used a Monster noise cancelling headphone for calls while driving and it worked very well. It was about a third the cost of Bose.
by 3feetpete
Fri Aug 03, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: need an outback, new, used or lease?
Replies: 29
Views: 2319

Re: need an outback, new, used or lease?

Why limit yourself to a Subaru? They hold their values well which is a good deal for the first buyer but a bad dealer for the second. Their reliability is overrated in my opinion. I have owned two Outbacks and they both needed major work at 100K miles which is unnacceptable by todays standards. I'll...
by 3feetpete
Thu Aug 02, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1949

Re: Why is new strip of lawn different color?

It's possible that the new drainage line is bringing water to the strip of grass. Check with the plumber if he used perforated pipe. Or even if he used solid pipe but bedded it in sand or gravel. The bedding would conduct water the length of the pipe.
by 3feetpete
Mon Jul 30, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Hurricane Impact Windows Full House
Replies: 10
Views: 580

Re: Hurricane Impact Windows Full House

I replaced a skylight with a Miami Dade certified one a few years ago. In order to be certified a sample of the window has to pass an impact test involving a 2x4 being shot at it at 50mph. The window can be broken but not penetrated. The cost to do the whole house doesn't surprise me but the only wa...
by 3feetpete
Mon Jul 30, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Hurricane Impact Windows Full House
Replies: 10
Views: 580

Re: Hurricane Impact Windows Full House

I replaced a skylight with a Miami Dade certified one a few years ago. In order to be certified a sample of the window has to pass an impact test involving a 2x4 being shot at it at 50mph. The window can be broken but not penetrated. The cost to do the whole house doesn't surprise me but the only wa...
by 3feetpete
Sun Jul 29, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 5719

Re: Medicare Supplement Companies

Look at the best medicare plan for you and then go with the cheapest insurance company that supplys that plan in your area. My experience with Medicare is that other than your monthly payment there will be no interaction between you and the supplement insurer. Medicare tells them what to pay and the...
by 3feetpete
Wed Jul 25, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Out of pocket max reached on one plan. New job offering different plan starting soon.
Replies: 6
Views: 605

Re: Out of pocket max reached on one plan. New job offering different plan starting soon.

I don't believe the out of pocket credit is transferrable. Perhaps your son could negotiate a signing bonus to compensate for the out of pocket. It seems your son has two choices. Continue with Cobra for the remainder of the year. The cost of this should be offset partially by not having pay the emp...
by 3feetpete
Sun Jul 22, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5516

Re: High voltage powelines near house

I used to own a house that was about six hundred feet from high voltage lines. I never thought much about them but it became an issue when i went to sell it. I eventually sold it but the first buyer got cold feet and backed out because of them. I paid a testing lab to measure the electromagnetic fie...
by 3feetpete
Sat Jul 21, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: engine check light on Toyota Sienna
Replies: 8
Views: 796

Re: engine check light on Toyota Sienna

There might be some confused terminology. My 2006 Subaru has one mass flow air sensor and two or three Oxygen sensors. Either can cause codes. The mass air flow sensor is easy to get to and typically gets dirty and needs cleaning. It recently cost me $90 to get that service. The oxygen sensors are p...
by 3feetpete
Sat Jul 21, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Impact windows and doors
Replies: 3
Views: 417

Re: Impact windows and doors

The Miami Dade certication is the most stringent I am aware of. I had a skylight in my residence in Maryland replaced with one built to that standard. It's constructed something like a windshield with an extra layer of lexan sandwiched between two layers of glass. To achieve the certification the ma...
by 3feetpete
Sat Jul 21, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Impact windows and doors
Replies: 3
Views: 417

Re: Impact windows and doors

I see youve gotten lots of views but no responses. Perhaps few people are aware of impact resistant doors and windows. Any reputable remodeling co should be able to install. The impact resistance is built into the product. Just specify that they must be certified to Miami-Dade specifications. If you...
by 3feetpete
Fri Jul 20, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 57
Views: 5766

Re: Telemarketing calls from my own prefix

I used to have the same thing. Somehow they manage to spoof the area code and exchange. I suppose that is to make it appear like it is a local person. I installed Robokiller on my phone and it blocks them. I'm not sure how it knows that it's a robocall because it works off of a database of a couple ...