Search found 252 matches

by SleepKing
Sat Oct 12, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3650

Re: Seiko Watch

Saw you bought the solar, but my $0.02... If someone simply want a nice looking watch to "keep time" get any quartz that appeals to you most and NEVER spend over $100. If you want a "collectors watch" aka man jewelry, check out a Grand Seiko. Many aficionados put these up against the finest Swiss ti...
by SleepKing
Sat Sep 14, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 3215

Re: What dish soap do you use?

+1 Dawn. Bulk buy from warehouse club. Good forother uses besides dishes (ie window cleaning)
by SleepKing
Mon Aug 19, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Neighbor's FIOS cable running over my yard
Replies: 52
Views: 6827

Re: Neighbor's FIOS cable running over my yard

At such a low height all sorts of things could damage it, such a shame if that would happen....
by SleepKing
Thu Jul 18, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Repair Bosch Dishwasher or Buy New?
Replies: 35
Views: 3474

Re: Repair Bosch Dishwasher or Buy New?

Time to replace it my friend.If you really like (and have time) to tinker, i'm sure someone will give you guidance!
by SleepKing
Tue Jul 16, 2019 4:20 pm
Forum: Personal Investments
Topic: Switching from passive to active management
Replies: 106
Views: 8895

Re: Switching from passive to active management

OP,

I agree with other posters who have suggested discussing your options with Vanguard PAS. Compare that options/cost to your other active management option/cost.
by SleepKing
Tue Jul 16, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: 1 million in liquid assets or paid off mortgage by 40?
Replies: 61
Views: 6548

Re: 1 million in liquid assets or paid off mortgage by 40?

Which option would allow you to feel more secure and financially independent? Choose that one. We're leaning towards paid off mortgage and 0 debt.
by SleepKing
Sun Jun 30, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark
Replies: 20
Views: 1921

Re: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark

Sorry for late reply. No issues with noise level that we appreciate. When people are outside we cannot hear them speaking even while very close to windows. We do not have much traffic in our area.
by SleepKing
Sun Jun 30, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Outdoor Fire Pit - Wood vs. Gas?
Replies: 53
Views: 3898

Re: Outdoor Fire Pit - Wood vs. Gas?

We have a gas fire pit and use it multiple times per week. Even toast marshmallows and they turn out great. No complaints. We decided against wood largely due to the need to maintain a burn pile and the smell. I should say, as many other posters, we enjoy the smell of wood....but not when it is <100...
by SleepKing
Tue Jun 18, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark
Replies: 20
Views: 1921

Re: Windows: Milgard Ultra vs Marvin Infinity vs Starmark Evo (Okna 7500) vs VistaMark

We've installed Oakna with a local company in stages. They have performed well and fit our style/design need fine. We are actually getting a bid to replace more with Oakna this year. Our research indicated this is as high a quality product as its competitors. Agree with others that the installer/com...
by SleepKing
Tue Jun 18, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 72
Views: 4612

Re: Toyota Sienna tire replacement at 12k miles

Yes. We have sienna AWD and have replaced our run flats TWICE in the 5 years, both due to early wear. Original tires at ~15k miles! After market 'high end' run flats at ~25k. The aftermarket tires came with a 60k mile 'warranty'. Yes, they were rotated per vehicle specifications. Now keep in mind th...
by SleepKing
Tue Jun 18, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3495

Re: Maternity and Paternity leave policies

current position Paternity = none. you can file and take fmla if you want Mother = 6 weeks + fmla if you want Prior position paternity= none official (commonly would get delivery and first few days if you asked with pay)+ fmla if you want maternity= 6 weeks vaginal delivery, 8 weeks c-section + fmla...
by SleepKing
Fri Sep 28, 2018 8:27 am
Forum: Personal Investments
Topic: Secondary beneficiary for JTWROS brokerage account
Replies: 24
Views: 1699

Re: Secondary beneficiary for JTWROS brokerage account

If we die together, our two kids get to take it through probate. Not the end of the world but not my first choice either. Exactly. Our attorney clearly stated our will/trust does provide how these funds will be dispersed, just that they would need to go through probate to achieve that objective. We...
by SleepKing
Thu Sep 27, 2018 7:09 am
Forum: Personal Investments
Topic: Secondary beneficiary for JTWROS brokerage account
Replies: 24
Views: 1699

Re: Secondary beneficiary for JTWROS brokerage account

Thanks everyone for the information and comments. Yes, we've confirmed via Bogleheads and other venues that Vanguard does not allow a TOD or contingent beneficiary for JTWROS accounts. Thus, only option is to open multiple individual accounts if you want to designate secondary or contingent benefici...
by SleepKing
Wed Sep 26, 2018 3:37 pm
Forum: Personal Investments
Topic: Secondary beneficiary for JTWROS brokerage account
Replies: 24
Views: 1699

Secondary beneficiary for JTWROS brokerage account

Just got off phone with Vanguard representative. I asked how to designate a secondary beneficiary on our joint brokerage account (JTWROS). The Vanguard rep PLAINLY said since it is a joint account we are UNABLE to designate a secondary beneficiary. I said, ok, what happens if my wife and I are kille...
by SleepKing
Mon Sep 03, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Wet & Forget for roof algae?
Replies: 13
Views: 2011

Re: Wet & Forget for roof algae?

Have used it ourselves for wood outdoor playset and it worked great. We had a company 'soft scrub' our roof and gutters a few years back, I assume they used this or a similar product. It worked very well and we did not have to get up on ladders or buy new sprayers to reach the roof.
by SleepKing
Thu Jun 14, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 3294

Re: Chipmunk Repellent?

We have used The Chipmunkinator trap. Similar concept to Havahart. Also tried the sunflower seed plank to water bucket, did not work for us.

Try eliminating any wood piles and other areas they may congregate for breeding. Difficult depending on your neighborhood.

Sleepy
by SleepKing
Wed May 30, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 10657

Re: Router hack, have you acted?

We also updated firmware, changed passwords, rebooted. I think that is more than 95% of the USA and world have done at this point. Most people i've asked about this have no idea what is going on.
by SleepKing
Tue May 22, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 15637

Re: how do you tip on wine at a restaurant

This is a very entertaining thread! We'll usually tip 15% on the total bill (not counting tax) and 20% for exemplary service. Never bought more than ~$100 bottle in a restaurant...I shudder thinking about the markups on alcohol... Oddly, when ordering at the bar, I'll tip the bartender $1 per drink ...
by SleepKing
Tue May 08, 2018 8:05 pm
Forum: Personal Investments
Topic: Move all funds to Vanguard?
Replies: 29
Views: 3408

Re: Move all funds to Vanguard?

We moved our all our funds to Vanguard about 2 years ago from Raymond James. Our advisor was understanding and professional for the transfer. He even said he would recommend Vanguard as a good place for us to go if we hadn't already decided....we laughed and said yes Vanguard was our destination. Te...
by SleepKing
Sat Apr 21, 2018 2:00 pm
Forum: Personal Investments
Topic: Should I continue to hold REITs?
Replies: 61
Views: 11333

Re: Should I continue to hold REITs?

I may be out of my league on this one; if so please provide additional insight. Frankly, with rising rates and with the state of commercial real estate, I'm not sure I have confidence with it in the long run. I believe you are misunderstanding the investment itself (or I could be too, lol!) Vanguard...
by SleepKing
Fri Apr 20, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 19759

Re: Do you buy new or used cars?

We've purchased both new and used. Recently, we have gone with new Toyotas. We did a cost analysis and felt it made more sense for us to get a new car. The 'savings' off a gently used model a couple years older was not worth it at the time. I feel it depends on what is available locally and the pote...
by SleepKing
Thu Apr 19, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 36
Views: 5748

Re: Negotiating for a new Toyota.

Toyotas are in demand and we've found often don't have the 'mega discounts' that you see with domestics. That's purely my opinion. Are you paying cash? That could give you negotiating power. Are you trading in? Did very plainly you ask for a loyalty discount? Don't hold back, the dealer certainly wo...
by SleepKing
Mon Mar 19, 2018 3:45 pm
Forum: Personal Investments
Topic: 457 vs Backdoor Roth
Replies: 3
Views: 399

Re: 457 vs Backdoor Roth

Is there a reason you could not do both if you feel they are excellent options for your situation? I stopped contributing to my 457b a few years back due to: 1) worries with institutional solvency (457b RARELY can be made available to creditors) 2) portability issues should I change jobs. I invested...
by SleepKing
Wed Nov 22, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 5630

Re: Car Lease Gotchas

Turning in a car at end of lease, heaven forbid breaking lease early, are both a huge GOTCHA. Essentially, you are going to get taken to school when you return the vehicle. We've had 3 leases and 2 were turned in to the leasing dealer for wholesale, 1 flipped into another lease at issuing dealer. We...
by SleepKing
Thu Oct 12, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 6216

Re: SUV options with 3 little kids

If your oldest can safely get themselves in and out of the third row car seat, then you can consider a larger SUV like the Acura MDX or big Lexus or Tahoe, etc... personally I'd look at a Pilot or Highlander, as 3 young kids are going to wreck the interior... Remember, while the 3rd row is on use, y...
by SleepKing
Tue Oct 03, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 75
Views: 12190

Re: Is it a waste of money having your furnace checked every year?

We appear to be in the minority here, but we get ours checked prior to summer and winter. Have 2 AC and 2 gas furnace units. Each time <$100 for the service call and inspection/basic maintenance. System is almost 20 years old and some components break/need replacing frequently. I've googled and you ...
by SleepKing
Thu Sep 28, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are we suckers for not pursuing Public Service Loan Forgiveness?
Replies: 18
Views: 2954

Re: Are we suckers for not pursuing Public Service Loan Forgiveness?

I have a few reservations You've answered your own query First, I have a moral issue with borrowing money and not even planning to pay it back. And Second, we would likely have to file as Married Filing Separately for 10 years, which would introduce an ongoing tax cost. And Third, there is always t...
by SleepKing
Wed Sep 20, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Appealing Property Assessment and Lawyer
Replies: 3
Views: 551

Appealing Property Assessment and Lawyer

Quick Summary: We are in the process of appealing our property reassessment. During an initial phone conversation with the assessor office, DW received an initial reduction offer. However, we feel this is not enough and presented numerous comps within our township to demonstrate our argument (their ...
by SleepKing
Wed Sep 20, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: Are quality exterior doors worth it?
Replies: 17
Views: 2619

Re: Are quality exterior doors worth it?

I wholeheartedly agree with prior comments. Custom glass or extensive glass replacement is most costly part of door and entryway. Your post seems to be for something quite simple. Id get another few quotes for due diligence.

Sleepy
by SleepKing
Sun Sep 17, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 4838

Re: Should I contact a lawyer?

This is interesting and I don't know the exact answer. However, I would agree with others that this likely is defined under some aspect of 'professional conduct' or 'plagiarism' via your district's educator handbook or bylaws. Even if your district, organization, or company owns everything, it is ac...
by SleepKing
Sat Sep 16, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 6453

Re: Mother-In-Law dying, Wife wants to buy a Porsche

I would suggest that the rest of the inheritance be parked for the 6 month type time frame recommended after a loss. This. Convince her to wait 6 months for the estate to settle out and emotions to cycle prior to making any decisions on purchases. Personally, I would utilize the angle she can resea...
by SleepKing
Fri Sep 15, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 4133

Re: Can not decide between washing machines

Two years ago I used the same process and purchased a consumer report best buy LG washer. Washer is the worst appliance I have ever owned. Two new control circuits under warranty, water overfills if you add garments ( LG's solution - we know there is an issue do not add garments), clothes occasiona...
by SleepKing
Tue Sep 05, 2017 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Renting during residency
Replies: 12
Views: 1824

Re: Renting during residency

Stay put and keep renting. Not worth the few thousands of savings compared to stress and uncertainty of a new place. Especially with board preparation looming. Do not buy. Your financial situation will change again as you begin searching for your first job.

Best
Sleepy
by SleepKing
Sun Aug 13, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 84
Views: 14780

Re: Dave Ramsey spends two segments on his investing advice

It's always been my policy that if your net worth is below zero, listen to Dave Ramsey, and if it's above zero, listen to Bogleheads. I must admit, DW and I spent much time listening to Dave and Suze Orman in our early 20s, when we had $0 in the bank, lots of student debt, etc... Honestly, not a ba...
by SleepKing
Sun Jul 16, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Moving stepfather into long term care facility. Need advice.
Replies: 17
Views: 2417

Re: Moving stepfather into long term care facility. Need advice.

Mom called me today and said no way she is putting her husband into a long term facility, she can take care of him just fine, thank you. This is the second time Mom has stopped action on her husbands behalf. On the POA forms she is listed first with myself and his niece being jointly next in line. ...
by SleepKing
Sat Jul 15, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 3782

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

I'm sure someone already mentioned this, RENT a larger vehicle for your long and/or big family road trips. I know many people who do this 2-3 times a year. You aren't stuck with the large vehicle long term, plus you don't get the mileage-wear-tear on your personal vehicle.

Best,
Sleepy
by SleepKing
Sun Jul 09, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 11890

Re: how to destroy hard disk with personal info

Hammer it, drill it, pliers to scratch/bend/break disc, soak in water to start corrosion.

Agree that anyone motivated enough to get data after that...probably can get into your data another way.
by SleepKing
Fri Jun 30, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 46
Views: 5714

Re: Engagement Ring Insurance

I agree with others to not insure the ring you describe.
by SleepKing
Fri Jun 30, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 54
Views: 5518

Re: Buying a dishwasher

Bosch. Your price range is fine. Spend a little more and the quieter it will operate. Look for capacity need, noise level and optional third rack if you need. All appliances(except speed queen) really are disposable products now adays. If you get 5 years from entry to mid legel thats good. 8 years f...
by SleepKing
Thu Jun 29, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Best cars for multiple kids
Replies: 51
Views: 5192

Re: Best cars for multiple kids

Must get a mini van for 3 car seats. Getting to the third row and securing the straps/belt is near impossible in non van vehicles. Once your oldest can strap themselves in maybe....

If you need awd the sienna. Otherwise toss up between sienna and odyssey for general use.
by SleepKing
Wed Jun 21, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 7983

Re: Good camera - new baby coming

To answer your question, you absolutely need something other than the phone camera if you want to get really nice photos for display, etc... If you're happy with mediocre or worse quality photos in difficult light and fast motion environments, then its fine to stick with the phone. From my experienc...
by SleepKing
Sun Jun 18, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement checkup for 38 year old
Replies: 21
Views: 4405

Re: Early retirement checkup for 38 year old

Thanks for your service. It is nice that your hard work and service will pay off. Overall your situation seems positive for early retirement. Obviously, if you can make it 5 years, that seems like a great return for amount of additional service. I would have more of a emergency cushion, 15k when you...
by SleepKing
Sat Jun 10, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 11752

Re: Suit for residency interviews

A few thoughts on your residency interview appearance needs: First, I agree with the sentiment that looking presentable DOES MATTER! You get one chance to make a first impression. If you show up in a well fitting and clean suit, tie, belt, and shoes, look your interviewer in the eyes and shake their...
by SleepKing
Tue May 16, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 37
Views: 6808

Re: Quality decline in off-brand alkaline batteries?

We use Amazon Basic Alkaline for all our home needs: AA, AAA, C, D. No problems or outrageous failures I've noticed. FYI, a leading home product reporting agency review ranked the following AA Alkaline batteries: (above hash line recommended) - Duracell Quantum - Rayovac Fusion -CVS Max - Duracell C...
by SleepKing
Sat May 06, 2017 7:05 am
Forum: Personal Investments
Topic: How much to contribute to deferred compensation?
Replies: 9
Views: 3561

Re: How much to contribute to deferred compensation?

Before I give you our opinion, let me say we contributed to deferred compensation for a while. Stopped for a few reasons: -Simply did not trust the ability of our health system to remain solvent in unknown climate over next 20-30-40 years. You say that is minimal risk in your situation. -I was not c...
by SleepKing
Tue May 02, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 5830

Re: Great knife for slicing limes and raw potatoes

This may result in a downpour of comments, but we use CUTCO knives and really enjoy them. Although a bit biased, we have some that are almost 20 years old from when I sold it as a summer gig; they still look great and function like new when sharpened. French Chef's knife and Santoku are fantastic fo...
by SleepKing
Tue Apr 18, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 12133

Re: Mens Blue Jeans - What are we buying now?!

KJV, I have problems with longer inseams and fit too. This skinny jean stuff is non-sense. I'm athletic, by no means big, and EVERY 'standard' or 'slim' fit looks like i'm wearing wrapping paper...and it's uncomfortable. I've found the following come in a range of styles and prices for tall size (i...
by SleepKing
Tue Apr 18, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 12133

Re: Mens Blue Jeans - What are we buying now?!

KJV, I have problems with longer inseams and fit too. This skinny jean stuff is non-sense. I'm athletic, by no means big, and EVERY 'standard' or 'slim' fit looks like i'm wearing wrapping paper...and it's uncomfortable. I've found the following come in a range of styles and prices for tall size (ie...
by SleepKing
Sun Apr 16, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 76
Views: 25756

Re: Anyone else decided not to finish med school?

If your friend is regretting his decision, it may be a good idea to work with a life/career coach who specializes in physicians, and reevaluate. Based on personal experience on this topic of physician dissatisfaction and career detours ("friends and family"),it's important to understand that medica...