Search found 436 matches

by 3feetpete
Thu May 28, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 367
Views: 28769

Re: The axe falls and I am prepared. What's next?

I recommend you go to firecalc.com and run your situation there. I think you will find you are fine.
by 3feetpete
Thu May 21, 2020 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4146

Re: Turning 65, Medicaire questions

A couple of things to consider if you decide to go with Medicare plus supplemental. Choose the plan that makes the most sense for you and then the lowest cost provider for that plan. Don't worry about customer satisfaction ratings of the supplement company. The truth is that you will never deal with...
by 3feetpete
Wed May 20, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Stinkbug screened in deck problem
Replies: 25
Views: 2222

Re: Stinkbug screened in deck problem

..., we saw them boiling out from between the deck boards!!! Excellent visual. Thank you! They are the stupidest bugs on earth, and pretty easy to get rid of (not in your numbers, of course), but when they’re on the bedroom floor, and you step on them when you get up during the night, or when they’...
by 3feetpete
Mon May 18, 2020 8:37 pm
Forum: Personal Consumer Issues
Topic: Stinkbug screened in deck problem
Replies: 25
Views: 2222

Re: Stinkbug screened in deck problem

I had a huge stinkbug problem a few years ago. Sometimes the south facing wall of my house would have hundreds. I'd kill them and the next day there would be hundreds more. A strong soapy water solution kills them so you can get a lot with a hand pump garden sprayer and a gallon soapy water. It's no...
by 3feetpete
Mon May 18, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3443

Sources for N95 masks

Has anyone found a legitimate and reasonably priced N95 mask supplier? I'm supposed to take a long flight at the end of the summer so I can wait but what I see advertised now looks like there are a lot of scams out there.
by 3feetpete
Mon Apr 27, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Infrequent Flyer Needs Advice Cancelling United Tickets
Replies: 7
Views: 629

Re: Infrequent Flyer Needs Advice Cancelling United Tickets

Read carefully what they are saying. Most of the airlines are only giving a credit against a future flight and then they are stipulating that the credit must be used within 6 months or a year. If that is the case then I myself would hold on to the tickets and hope they cancel or change the flight so...
by 3feetpete
Wed Apr 22, 2020 5:30 pm
Forum: Personal Investments
Topic: Retirees: Walk me thru your portfolio drawdown process
Replies: 39
Views: 3601

Re: Retirees: Walk me thru your portfolio drawdown process

One other thing I am doing is dividends from all my regular IRA funds go to cash rather than reivestment so they provide a significant part of my living expenses.
by 3feetpete
Wed Apr 22, 2020 5:27 pm
Forum: Personal Investments
Topic: Retirees: Walk me thru your portfolio drawdown process
Replies: 39
Views: 3601

Re: Retirees: Walk me thru your portfolio drawdown process

Ive been retired 3 years. Portfolio is 75/25 with the bonds all being in a regular IRA. Roth is all stock. I sell stocks or bonds several times a year and put the proceeds in the accounts money market account. Then I draw from it each month as needed. I generally sell whatever is high at that point ...
by 3feetpete
Wed Apr 22, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Filling a void (of unknown size) under driveway
Replies: 26
Views: 1515

Re: Filling a void (of unknown size) under driveway

Two possible causes I can think of and I have seen both. Rainwater from your house is getting under the slab and washing the soil away. Check your downspouts and make sure they are not the cause. If there is a stormwater or sanitary sewer near the sinkhole I would bet that is the source of the probl...
by 3feetpete
Sun Apr 19, 2020 6:32 pm
Forum: Personal Consumer Issues
Topic: Printer issue with new laptop
Replies: 3
Views: 193

Re: Printer issue with new laptop

Go online and find a driver for your printer.
by 3feetpete
Fri Apr 17, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: How to patch a hole in an ejector pit?
Replies: 7
Views: 771

Re: How to patch a hole in an ejector pit?

He might have had a good reason for the second hole. Keeping the ground dewatered might be keeping your basement dry.
by 3feetpete
Thu Apr 09, 2020 8:06 am
Forum: Personal Consumer Issues
Topic: Instacart delivery slots?
Replies: 40
Views: 2760

Re: Instacart delivery slots?

Instacart charges 5% on the bill and calls it a tip but I found out the shopper doesn't get paid that. That goes to Instacart which I find deceptive. That got fixed months ago. You can also specify the actual tip when you checkout and adjust the tip after delivery. So does the shopper now get the t...
by 3feetpete
Tue Apr 07, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: Instacart delivery slots?
Replies: 40
Views: 2760

Re: Instacart delivery slots?

What is considered a generous tip? I looked online and read somewhere that 5% was considered good. Instacart charges 5% on the bill and calls it a tip but I found out the shopper doesn't get paid that. That goes to Instacart which I find deceptive. Then there is the delivery charge which for me was ...
by 3feetpete
Fri Apr 03, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: GOOD RX...What Is It?
Replies: 37
Views: 2848

Re: GOOD RX...What Is It?

I have two inexpensive medicines and on expensive. THe inexpensive drugs I get free with my Part D plan but the expensive one I get with a Good RX coupon. And I am able to check which is cheapest each time I go for it at my local CVS. Good Rx usually saves me a lot.
by 3feetpete
Fri Apr 03, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my travel in France and Belgium in mid May?
Replies: 75
Views: 5547

Re: Should I cancel my travel in France and Belgium in mid May?

You might want to wait until the flights are canceled to get better terms. I cancelled my reservations on Airbnb for England for late May and got a full refund. When I went to cancel the flight on British Airways I was told I would get a credit that would expire in October if unused. And I would als...
by 3feetpete
Tue Mar 31, 2020 7:26 pm
Forum: Personal Investments
Topic: Moving funds from IRA to Roth IRA
Replies: 3
Views: 338

Re: Moving funds from IRA to Roth IRA

I've done it several times. You can convert portions of your IRA. It just transfers the shares you ask it to. It converts etf's at the market price at the end of the day. If you don't have one already you have to set up a Roth account. Then go to the balances and holdings page and up near the top yo...
by 3feetpete
Fri Mar 27, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: Ticks/Lyme/Prevention?
Replies: 19
Views: 972

Re: Ticks/Lyme/Prevention?

Try not to brush up against bushes or tall grass. Wear light clothes so you can see ticks on them. Tuck your pants into your socks. Besides using deet, it helps to shower and wash hair as soon after exposure as possible. Use lot of soap and leave the suds on for a while. Get a back brush to take car...
by 3feetpete
Sat Mar 14, 2020 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Early Retirees How are You Coping?
Replies: 29
Views: 3851

Re: Recent Early Retirees How are You Coping?

I retired almost three years ago and have been living off my IRA's with the plan to delay SS until 70. I just turned 68 and started wifes SS and my spousal SS. For 3 years I've been selling stocks during peaks to generate cash for expenses. For the foreseable future I will be selling bonds as needed...
by 3feetpete
Sat Mar 14, 2020 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on working from home
Replies: 11
Views: 971

Re: Tips on working from home

I worked from home and found I was more productive. No doorway conversations about football etc. One piece of advice is that you make it apparent to your employer that you are indeed being productive. Some managers not in tune with remote working will automatically suspect that people will take adva...
by 3feetpete
Sat Mar 14, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: Tire question on AWD car
Replies: 14
Views: 899

Re: Tire question on AWD car

I ran into the same thing a while ago and started a thread here and got good advice. Fortunately I could afford to wait for Tirerack to ship me a tire shave to my requirent. It took a couple of days. Personally I think this is more of a theoretical problem than a real world problem. At least one pro...
by 3feetpete
Sun Mar 08, 2020 5:44 pm
Forum: Personal Investments
Topic: Timing of Roth Conversions
Replies: 7
Views: 661

Timing of Roth Conversions

I was going to do a Roth conversion later in the year but decided to do it last week on the dip. I realized that I can transfer the same number of shares with a smaller tax consequence. There is no way to know if I captured the bottom but at least I didn't capture the top. And to cover the tax I can...
by 3feetpete
Sun Feb 23, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: Whole house humidifier/purifier
Replies: 3
Views: 590

Re: Whole house humidifier/purifier

I have an Aprilaire in my current home and I am not impressed. It can only get the humidity up to 42% and I have to use a room humidifier for my bedroom. My previous home had a Skuttle drum humidifier and it was much better. Plus the Skuttle doesn’t waste any water like the Aprilaire does.
by 3feetpete
Mon Feb 10, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 41
Views: 18852

Re: Lifetime Tire Alignment

I think it's a way to get you back in the door so they can tell you you need knew brakes, carburetor cleaning etc etc.
by 3feetpete
Mon Feb 10, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 96
Views: 10346

Re: Retirement: Filling the time?

Get outdoors for walks or anything else.
Take up pickleball.
by 3feetpete
Mon Feb 10, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tiered spending in retirement calculation needed.
Replies: 9
Views: 571

Re: Tiered spending in retirement calculation needed.

Go to firecalc.com. You can put in spending and tiered income and you will get a graph showing how your portfolio would have responded vs 100+ years of stock and bond market data.
by 3feetpete
Sun Feb 09, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: Whole House Humidifier Question
Replies: 14
Views: 1076

Re: Whole House Humidifier Question

Yes. It can be wired to run whenever the fan is on but I doubt it will humidify your home much If you just need in bedrooms at night I would get a room humidifier. I like the warm air type rather than ultrasonic.
by 3feetpete
Sat Feb 08, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Merit Scholarships - Advice and Strategies?
Replies: 91
Views: 6520

Re: Merit Scholarships - Advice and Strategies?

With an SAT of 1400 your daughter actually has a pretty good shot at a substantial merit scholarship at many schools if she is going to be an art major. Much better than someone with a 1400 who is going to be an engineering major. She should apply to a wide range of schools including her dream schoo...
by 3feetpete
Thu Feb 06, 2020 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Merit Scholarships - Advice and Strategies?
Replies: 91
Views: 6520

Re: Merit Scholarships - Advice and Strategies?

Look for schools where your daughter will be in the top 10% of applicants. And the closer she gets to the top 1% the greater her scholarship will be. You will find a lot of data to determine this online. Do a web search for “common data set” for each of the colleges you are considering. The common ...
by 3feetpete
Thu Feb 06, 2020 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Merit Scholarships - Advice and Strategies?
Replies: 91
Views: 6520

Re: Merit Scholarships - Advice and Strategies?

Look for schools where your daughter will be in the top 10% of applicants. And the closer she gets to the top 1% the greater her scholarship will be. You will find a lot of data to determine this online. Do a web search for “common data set” for each of the colleges you are considering. The common ...
by 3feetpete
Thu Feb 06, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Merit Scholarships - Advice and Strategies?
Replies: 91
Views: 6520

Re: Merit Scholarships - Advice and Strategies?

Look for schools where your daughter will be in the top 10% of applicants. And the closer she gets to the top 1% the greater her scholarship will be. You will find a lot of data to determine this online. Do a web search for “common data set” for each of the colleges you are considering. The common d...
by 3feetpete
Thu Jan 30, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 v Civic Si
Replies: 46
Views: 2790

Re: Mazda 3 v Civic Si

I bought a used 2009 SI for my daughter and she still enjoys driving it 10 years later. The SIs 6 speed is really nice. No mechanical problems with it except the clutch had to be replaced at 120k. Good thing about used manuals is you can get a really good deal on them because there isn’t much demand...
by 3feetpete
Thu Jan 30, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Need railing for steps to front porch
Replies: 17
Views: 1097

Re: Need railing for steps to front porch

I had a local guy build a railing for me a few years ago. All welded construction. It took him a day and cost me $700. It was cheaper than buying the modular ones online. I found him by chance. He was a relative of the mason who built the steps for me. If I were to look for one I would look for a sm...
by 3feetpete
Sun Jan 26, 2020 7:18 pm
Forum: Personal Investments
Topic: optimizing Roth vs Regular IRA
Replies: 10
Views: 1054

Re: optimizing Roth vs Regular IRA

Thanks for your response. I am surprised only one response to this. Many discussions on this forum about Roths and Mega Roth conversions. Nobody seems interested in the question as to how much should one convert to Roth. I thought I would have at least a few people opine that everything should be co...
by 3feetpete
Sun Jan 26, 2020 8:42 am
Forum: Personal Investments
Topic: optimizing Roth vs Regular IRA
Replies: 10
Views: 1054

optimizing Roth vs Regular IRA

I have a few more years to convert regular IRA's to Roth's and I am fortunate in that it looks like I'll never have to dip into my existing Roth's. So now I am contemplating how much more, if any, of my regular IRA's should I convert. The object would be to minimize the tax bomb my daughter would ex...
by 3feetpete
Wed Jan 22, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable estimate for annual expenses in early retirement in a HCOL area for one person?
Replies: 50
Views: 3523

Re: What is a reasonable estimate for annual expenses in early retirement in a HCOL area for one person?

I don't see income taxes covered. Everything you take from a 401k or a regular IRA is taxed as regular income. 40K seems awfully light for a HCOL area. https://www.nerdwallet.com/blog/taxes/capital-gains-tax-rates/ I think if I do it correctly, I won’t have much taxes based on the above link. Capit...
by 3feetpete
Tue Jan 21, 2020 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best tax software for estimating taxes
Replies: 20
Views: 1895

Re: Best tax software for estimating taxes

I use last years tax program to estimate this years taxes. Once I've completed my 2019 taxes on H&R Block software, I save as "estimated tax 2020" Then I go through and just edit entries that I think will change for 2020. Very simple and it gives me both Fed and State results. Then I will update it ...
by 3feetpete
Tue Jan 21, 2020 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming
Replies: 32
Views: 5312

Re: Social Security Claiming

I just did it online. Found a good article on doing it online and followed it. https://www.forbes.com/sites/tomhager/2018/10/15/filing-for-social-security-and-the-restricted-application-online/#61f303647fac It's been a week since I filled out my restricted application online in accordance with the ...
by 3feetpete
Fri Jan 17, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming
Replies: 32
Views: 5312

Re: Social Security Claiming

I just did it online. Found a good article on doing it online and followed it.
https://www.forbes.com/sites/tomhager/2 ... f303647fac
by 3feetpete
Fri Jan 17, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable estimate for annual expenses in early retirement in a HCOL area for one person?
Replies: 50
Views: 3523

Re: What is a reasonable estimate for annual expenses in early retirement in a HCOL area for one person?

I don't see income taxes covered. Everything you take from a 401k or a regular IRA is taxed as regular income. 40K seems awfully light for a HCOL area.
by 3feetpete
Fri Jan 17, 2020 2:18 pm
Forum: Personal Investments
Topic: 95% equities at 60 need help transitioning to retirement
Replies: 26
Views: 2942

Re: 95% equities at 60 need help transitioning to retirement

Go to firecalc.com. You can input everything you have provided here. And more. And it will tell you your probability of success based on past experience of over 100 years of returns of the stock and bond markets. You can try different allocations. You’ve had a good run up in stocks. It would be good...
by 3feetpete
Wed Jan 15, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Concrete stairs on front porch are crooked, best way to fix?
Replies: 16
Views: 1596

Re: Concrete stairs on front porch are crooked, best way to fix?

From the photo it looks like the stairs violate building codes which require the rise on every step to be equal. This requirement is for safety as unequal rises cause trips and falls. It appears that the rise varies from left to right on each step and the top rise looks greater than the other steps....
by 3feetpete
Tue Jan 14, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: Pickleball Shoes / tennis shoes
Replies: 22
Views: 1581

Re: Pickleball Shoes / tennis shoes

I would not recommend any shoe other than a court shoe for playing court sports. Court shoes are designed for lateral loads where as running shoes and general shoes are only for moving in straight lines. Take a running or general shoe and flex it in every direction. Do the same thing with a good cou...
by 3feetpete
Tue Jan 14, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: Pickleball Shoes / tennis shoes
Replies: 22
Views: 1581

Re: Pickleball Shoes / tennis shoes

I use New Balance 806 tennis shoes for both tennis and pickleball. About $104 per pair. You can get them in widths, I have flat feet so I put in an insert to give added support and cushioning. Aetrex L420 is the best insert I've found. Tennis shoes are designed allow some slipping on tennis courts. ...
by 3feetpete
Thu Jan 02, 2020 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Home Before Retirement
Replies: 27
Views: 3170

Re: Vacation Home Before Retirement

I wouldn't buy now. A lot can happen in 5 years and your priorities might change. Say for example you are blessed with grandchildren and want to move close to them.
by 3feetpete
Mon Dec 30, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: What Happens to Credit Score when Freezing Credit?
Replies: 19
Views: 1758

Re: What Happens to Credit Score when Freezing Credit?

You would also need the pin number to get a new credit card.
by 3feetpete
Mon Dec 30, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: What Happens to Credit Score when Freezing Credit?
Replies: 19
Views: 1758

Re: What Happens to Credit Score when Freezing Credit?

After someone filed a fraudulent tax return in my name a few years ago I froze my credit with the three credit raters. At the time they each gave me pin numbers so I could temporarily unlock it whenever I needed a new loan. A year later I got an auto loan and used the pin for whichever credit rater ...
by 3feetpete
Fri Dec 13, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: Vacuum recommendations for Nylon 6.6 carpet
Replies: 7
Views: 721

Re: Vacuum recommendations for Nylon 6.6 carpet

Manufacturer recommended Soniclean for my soft carpet. Works fine. Upright doesn’t have tools for doing stairs so I had to get a Soniclean canister as well
by 3feetpete
Fri Dec 06, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: How to Replace Through-The-Wall Air Conditioner?
Replies: 21
Views: 1547

Re: How to Replace Through-The-Wall Air Conditioner?

You can replace yourself if you’re strong enough or your appliance company will do it for you when they deliver. I’ve done it both ways. Sleeves are usually a standard size so it’s a simple fit. Make sure you get a through the wall unit and not a window unit. Window units will not work in a sleeve. ...
by 3feetpete
Sat Nov 23, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Should I replace my HVAC system or get home warranty plan?
Replies: 28
Views: 2282

Re: Should I replace my HVAC system or get home warranty plan?

Regarding the HVAC. Wait a year and see how much refrigerant you have to replace. Then make a decision based on facts and cost vs benefit. Water heaters should be replaced every ten years or so to prevent damage from leaks. Especially if you are in an upper floor. My condo association requires it. H...