Search found 1972 matches

by Shallowpockets
Thu Jun 17, 2021 11:46 am
Forum: Personal Investments
Topic: Gut check at 24 years old - not sure if I should feel this behind
Replies: 48
Views: 3517

Re: Gut check at 24 years old - not sure if I should feel this behind

Maybe this forum is not so great for 24 year olds, Why? Because you may start thinking like a 60 year old. If you read these forums there are all sorts of questions and problems that crop up. Not even all of them financial. Don’t start thinking like a 60 year old when you are 24. You may then be ado...
by Shallowpockets
Thu Jun 17, 2021 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Selling a car in the pandemic: test drives
Replies: 35
Views: 2620

Re: Selling a car in the pandemic: test drives

I just sold a car to private party. Used Craigslist and had phone calls within 10 minutes, followed by 6 more within the next hour. Had not sold a car for 15 years, so had some concerns. I stated cash in the ad. Buyer came over with his wife in their car. We chatted and I let him drive the car alone...
by Shallowpockets
Thu Jun 17, 2021 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Estimating taxes in retirement
Replies: 23
Views: 1076

Re: Estimating taxes in retirement

OP, if you don’t know short term and long term capital gains, then you need to look them up. That is pretty basic if you have investments and ever want to realize any gains. You are at square 1. If you do not know terminology, then you will not even understand some replies to your post. You don’t sa...
by Shallowpockets
Wed Jun 16, 2021 5:48 pm
Forum: Personal Investments
Topic: Best Way To Speculate With $2,000?
Replies: 50
Views: 4628

Re: Best Way To Speculate With $2,000?

Truthfully, $2000 is not a lot of money. If it is to you, do not speculate on it. Otherwise what could your 2k really get you? Let’s say you buy and it goes go up 100%. Then you made 2k. That’s OK. But how long might it take? What you want is your speculation to pay off sooner rather than later, oth...
by Shallowpockets
Wed Jun 16, 2021 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Dad wants Wife to live in house left to me and sister after he passes
Replies: 78
Views: 8699

Re: Dad wants Wife to live in house left to me and sister after he passes

Simply tell your father not to include the house to be bequeathed to you at all. Do not be on that paperwork at all. Then all those onerous and unpredictable results or concerns will not happen. At least not as far as you would be concerned.
Unless you are thinking of that house worth of 335K.
by Shallowpockets
Wed Jun 16, 2021 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Paying estimated 2021 taxes to avoid paying penalties
Replies: 20
Views: 1852

Re: Paying estimated 2021 taxes to avoid paying penalties

I believe if you don’t meet a safe harbor and have used unequal payments of estimated taxes you’ll be required to complete schedule AI for annualized income. I haven’t completed this schedule but understand it can be a PITA. Whether or not you make equal payments, if you don't meet a safe harbor, y...
by Shallowpockets
Tue Jun 15, 2021 10:23 pm
Forum: Personal Consumer Issues
Topic: Negotiating on a brand new vehicle in current environment. Seller's market?
Replies: 17
Views: 1580

Re: Negotiating on a brand new vehicle in current environment. Seller's market?

I bought my Subaru last month through the Costco car program. Part of that deal is that the dealer has to show you invoice price.
by Shallowpockets
Mon Jun 14, 2021 8:50 am
Forum: Personal Consumer Issues
Topic: Negotiating used car during price surge
Replies: 30
Views: 3012

Re: Negotiating used car during price surge

OP - You cannot wait and you found a car that fulfills your needs at a dealer. Now you are equivocating. Maybe you want to offer 10% less than dealer asking price. I guess you should make a decision soon or it will be gone. Then, when you miss it and have to start again what will that 10% have been ...
by Shallowpockets
Sun Jun 13, 2021 2:12 pm
Forum: Personal Consumer Issues
Topic: Favorite Camping Cooking - Lo fuss/lo cleanup - 2 burner propane & grill
Replies: 6
Views: 779

Re: Favorite Camping Cooking - Lo fuss/lo cleanup - 2 burner propane & grill

Clean up is all about the residue. Try and make things that the pan can easily be rinsed out or wiped out. Or perhaps some more water boiled right in the same pan. It is not the cooking so much as this cleanup when you have no sink and running water available. Grease is your enemy. If you are out we...
by Shallowpockets
Tue Jun 08, 2021 7:47 pm
Forum: Personal Consumer Issues
Topic: Rowing Machines- Home Use
Replies: 47
Views: 2802

Re: Rowing Machines- Home Use

Tattarrattat wrote: Tue Jun 08, 2021 8:23 am Concept 2 is the gold standard. Many, many resources regarding different types of workouts for different fitness goals.
This.
If rowing on a Concept 2 you are part of a community. OP. Go to Concept 2 website and YouTube. It is all you need to know.
by Shallowpockets
Sun Jun 06, 2021 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Charity - good ideas
Replies: 43
Views: 1928

Re: Charity - good ideas

For most charities there is no long term progress. Most charities are perpetual because there is a perpetual need. There is no solution reached. They are a helping hand. The need they fill is always there. It will never end. Some charities are huge institutions and have a very large business positio...
by Shallowpockets
Sun Jun 06, 2021 6:47 am
Forum: Personal Consumer Issues
Topic: How much do you spend on a hotel per night on a family vacation?
Replies: 104
Views: 8812

Re: How much do you spend on a hotel per night on a family vacation?

Wow! You people spend some money, don’t you. We are only two and not a family with kids, so maybe it is not apples to apples. I usually book through booking.com and like to keep my nightly rate below $100. I accept I am not going to be at a top property, but I am not a picky hotel person. It’s one n...
by Shallowpockets
Sun Jun 06, 2021 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Capital Gain on Auto Sale
Replies: 44
Views: 2998

Re: Capital Gain on Auto Sale

OP. The used car market is hot right now. If you don’t sell the car after lease buyout because you don’t want to pay the CG on it and you drive it for a year or two as you mentioned, it is highly likely that the hot market will have subsided and you will be only able to sell it for less than your le...
by Shallowpockets
Sat Jun 05, 2021 6:45 am
Forum: Personal Consumer Issues
Topic: Stamp Collecting
Replies: 21
Views: 1830

Re: Stamp Collecting

I have a decades old stamp collection of sorts. Most stamps were bought in a glassine envelope with assorted stamps from around the world. The old British Empire, countries that now are different. Stamps are geography and history with pictures of nature, animals, kings, queens, and other obscure unk...
by Shallowpockets
Thu Jun 03, 2021 12:27 pm
Forum: Forum Issues and Administration
Topic: Is it time to block meme stock posts?
Replies: 37
Views: 1932

Re: Is it time to block meme stock posts?

Lets block meme real estate too. HCOL areas with soaring house prices. No underlying reason.
by Shallowpockets
Thu Jun 03, 2021 12:23 pm
Forum: Investing - Theory, News & General
Topic: I don't understand what's happening with AMC shares
Replies: 72
Views: 6074

Re: I don't understand what's happening with AMC shares

The VALUE of AMC is what people give it. It is no different than a recent Babe Ruth baseball card sold for 6 million. No different than an art auction where a piece sells for millions, no different than an old car selling for a significant amount. No different than diamonds. All we have in investmen...
by Shallowpockets
Thu May 27, 2021 6:56 am
Forum: Personal Consumer Issues
Topic: Saving wear & tear on car (brakes vs transmission)
Replies: 80
Views: 6086

Re: Saving wear & tear on car (brakes vs transmission)

I have a new Subaru Forester with a CVT transmission. I shift it to low for the long downhills in Colorado off a pass. I watch the tachometer. It never even gets near any excessive RPMs. So to me it means that the transmission isn’t working any harder than if I reach those same RPMs while driving at...
by Shallowpockets
Wed May 26, 2021 12:24 pm
Forum: Personal Consumer Issues
Topic: Moving a full size refrigerator in a mini van
Replies: 14
Views: 1018

Re: Moving a full size refrigerator in a mini van

Rent a truck. It will be much easier all the way around for you. Safer. For you and the refrigerator.
by Shallowpockets
Wed May 26, 2021 12:12 pm
Forum: Personal Consumer Issues
Topic: Gambled on a trip to Europe
Replies: 59
Views: 7052

Re: Gambled on a trip to Europe

This is another travel example plans that seems to cover too much. It is 447 miles Lisbon to Granada. To me that would be two days full of driving. That cuts your 10 day trip down to 8 days. Not sure if you that 10 days includes first and last day there (airport, car rental, etc each end). Having dr...
by Shallowpockets
Wed May 26, 2021 11:51 am
Forum: Investing - Theory, News & General
Topic: Capital Gains tax management - Good problem
Replies: 10
Views: 1195

Re: Capital Gains tax management - Good problem

You are supposed to pay the taxes on capital gains for the quarter in which you make the gains. If you owe $21k from your CG then you owe it by end of the quarter.
by Shallowpockets
Tue May 25, 2021 7:25 am
Forum: Personal Consumer Issues
Topic: My son wrote an amazing song and would like to sell it.
Replies: 35
Views: 4299

Re: My son wrote an amazing song and would like to sell it.

He has a few contacts in the music industry, but how does one go about selling a song? Does it need to be copyrighted? There you go. He already has a few contacts in the industry. Maybe try asking them. I don't have any contacts in the music industry, so if I wrote a great song I'd be lacking those...
by Shallowpockets
Mon May 24, 2021 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Help Your child buy a home
Replies: 52
Views: 4999

Re: Best Way to Help Your child buy a home

Tell the realtor to take the cash offer from the other party. Then walk away. Sure, this is the nice dream house. But why be held hostage to a realtor’s shenanigans. It could have been the other way. High offer, financed, and maybe the realtor could have said a cash offer would get the house. But, y...
by Shallowpockets
Mon May 24, 2021 11:22 am
Forum: Personal Investments
Topic: Can I study stocks and beat the market?
Replies: 122
Views: 8392

Re: Can I study stocks and beat the market?

What is beating the market? Maybe the S and P ends the year up 8%, but you made 8.2%. You beat the market. What your friends mean is that they just didn’t beat the market, but that they made a killing. Enough to FIRE. ??? I’ll bet your friends are pretty close mouthed about any details. Maybe you sh...
by Shallowpockets
Mon May 24, 2021 11:03 am
Forum: Personal Consumer Issues
Topic: Hospital bill - worth haggling?
Replies: 76
Views: 6347

Re: Hospital bill - worth haggling?

Call Cigna and ask them to explain the bill.
Call the hospital and ask them the same thing.
Haggling should start from a base of knowledge.
You are about to learn. But, first you need that knowledge. Even before posting on here.
by Shallowpockets
Sun May 23, 2021 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation home frenzy?
Replies: 76
Views: 13114

Re: Vacation home frenzy?

Is this frenzy on homes the flip side of homeless encampments?
We have extremes here. Be glad you can be in the high side of the boat.
by Shallowpockets
Sun May 23, 2021 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 200k RV ? 3.2mm Net Worth
Replies: 177
Views: 15511

Re: Can I afford a 200k RV ? 3.2mm Net Worth

That's a good looking van you posted. You can probably have as much as you want for a lesser price. You could buy a brand new Ford Transit and have it built out professionally for less than 100K. Don't know where you live or want to go, but maybe no need for rooftop spotlights, nor 4 wheel drive. Bi...
by Shallowpockets
Sat May 22, 2021 4:03 pm
Forum: Personal Consumer Issues
Topic: Basic Airline Fare and seat selection
Replies: 46
Views: 3450

Re: Basic Airline Fare and seat selection

You have to go above the basic fare, or pay the extra. Compare those costs. Yes, that is the way airlines work nowadays. They make it seem like they are doing you a favor by spreading out all these things. When there is no seat selection included they will forcefully note to you that you most likely...
by Shallowpockets
Sat May 22, 2021 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: elderly parent's home
Replies: 35
Views: 2341

Re: elderly parent's home

All good ideas posted here.
OP asked.
But, the situation by OP admission is clouded by emotion. That is the elephant in the room. That is your driver. In essence no one can help you with this. Sometime down the line, hindsight will give you some clarity you do not have now.
by Shallowpockets
Fri May 21, 2021 8:06 am
Forum: Personal Consumer Issues
Topic: Which is a more BH vehicle: a cargo Ebike or a Camry? [Ways to move around your community]
Replies: 63
Views: 4061

Re: Which is a more BH vehicle: a cargo Ebike or a Camry? [Ways to move around your community]

This is an example of hedonic adaptation I think. One doesn't need a cargo Ebike to bike around. If one has to pay insurance for a bike, then the bike is too much and more like car. Get the eBike if you want, but Bogleheads do not seek affirmation for their life choices from others. It seems appare...
by Shallowpockets
Fri May 21, 2021 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Retirement soon, need some thoughts
Replies: 49
Views: 6153

Re: Retirement soon, need some thoughts

Inflation ahead? Maybe? Do what is wise and put off retirement until - when? Until there is no inflation? Until you are more “golden” than before? This is a personal choice for you based on your present situation and fears of the future and its impact on you in retirement when you have left behind a...
by Shallowpockets
Fri May 21, 2021 7:45 am
Forum: Personal Finance (Not Investing)
Topic: I turn 65 in November. Please advise on medicare choices.
Replies: 61
Views: 5805

Re: I turn 65 in November. Please advise on medicare choices.

What is the big deal here? OP has to go on Medicare. Wife can’t. OP goes on Medicare, wife continues the previous insurance. No mention yet of the proverbial Medicare choices of supplemental verses advantage. We can rehash that question here on the forum as has been discussed a thousand times before...
by Shallowpockets
Thu May 20, 2021 2:41 pm
Forum: Personal Consumer Issues
Topic: Which is a more BH vehicle: a cargo Ebike or a Camry? [Ways to move around your community]
Replies: 63
Views: 4061

Re: Which is a more BH vehicle: a cargo Ebike or a Camry?

Kudos to you. Seems like it works well for you and you enjoy it. I have a ebike. Full suspension mountain bike. It is great. However I do not get groceries with it. Would not want to leave it outside a grocery store. Even locked. The E revolution will perhaps go to cars and trucks more and more. Bik...
by Shallowpockets
Wed May 19, 2021 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job with no plan- Please help assess my situation
Replies: 95
Views: 9253

Re: Quitting job with no plan- Please help assess my situation

I’ve hit a breaking point at work. It’s been coming for a long time Seems like just getting a new job was an appropriate option for a long time. Why not just do that now? Start saying no at work, too. That's a reasonable option - especially for someone who's open to quitting with no real plan. It’s...
by Shallowpockets
Tue May 18, 2021 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: skip Medicare B and D?
Replies: 38
Views: 4220

Re: skip Medicare B and D?

OP. Looks like you plan on being back in the US now and again. And most likely, at the end of your days also. You are also IRMAA income. I don’t see the big deal on paying the Medicare and going about your life without the hassle you could create in trying to finagle some better deal. Get an MA plan...
by Shallowpockets
Tue May 18, 2021 5:21 pm
Forum: Personal Consumer Issues
Topic: How to get out of a timeshare presentation?
Replies: 142
Views: 12499

Re: How to get out of a timeshare presentation?

Say NO. Do not say No thank you. Do not be polite. Your NO should be aggressive. Do not engage in any way beyond NO. Do not tell them your name. Do not offer excuses. Simply NO. Walk away. You would act that way if an aggressive dirty panhandler approached you about getting $5 from you. This is no d...
by Shallowpockets
Sat May 08, 2021 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: California Homebuying Insanity
Replies: 243
Views: 22498

Re: California Homebuying Insanity

Easy money availability. Low interest rates. Those with money have mad even more money this last year. They are flush with cash and looking to spend it. Look at NFTs. You should rent. If you buy now you will pay more, a premium just for the craziness in this home buying frenzy. What will happen is t...
by Shallowpockets
Sat May 08, 2021 5:01 pm
Forum: Personal Consumer Issues
Topic: Door frame damaged - Don't want to replace door
Replies: 15
Views: 1700

Re: Door frame damaged - Don't want to replace door

Define your large gap. Is it even all the way down? You say the door operates fine. You could perhaps simply close the space with strip insulation that they make for doors to seal drafts. Usually door hinges close flush to each part of the hinge. Maybe your hinges have not been set flush with the wo...
by Shallowpockets
Thu May 06, 2021 10:31 am
Forum: Personal Consumer Issues
Topic: Toilet Bids
Replies: 53
Views: 4295

Re: Toilet Bids

Personally I would DIY a for a toilet. I could do it in less time than it takes to call around and get bids. However, those who need someone else to do it, I would go to Lowe’s or Home Depot. Why? You will get a fair price and if they install it you have a buffer between you and the contractor. Prob...
by Shallowpockets
Thu May 06, 2021 10:01 am
Forum: Investing - Theory, News & General
Topic: How big is the risk of sustained huge stock market decline?
Replies: 106
Views: 11083

Re: How big is the risk of sustained huge stock market decline?

OP. Why don’t you look up the historical chart of the stock market and see where the dips are. Look at the recovery. You can also google to see how long recovery takes, in each drop and as an average. Look at 2008. Then you can interpret the data as you wish. All that data would be open to interpret...
by Shallowpockets
Mon May 03, 2021 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: What do you wish you knew before you retired you know now!
Replies: 98
Views: 16470

Re: What do you wish you knew before you retired you know now!

I feel I knew almost everything about retirement. It has panned out just fine. What I know now being retired and living a good life is that so many others are not. I am no longer immersed in my own striving. And that is a bit of a burden to bear. I wish I had been more compassionate sometimes in my ...
by Shallowpockets
Mon May 03, 2021 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Sending money to mentally unstable relative without revealing my home address
Replies: 39
Views: 3544

Re: Sending money to mentally unstable relative without revealing my home address

Sending money to an unstable relative and concern for personal safety. I hope OP is all right and not involved in some sort of coercive scheme or demand. Perhaps advice should be sought by OP in that regard. Who knows what subterfuge and threat, overt or implied, can come out of family dynamics. Cou...
by Shallowpockets
Sun May 02, 2021 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured Motorist Car Insurance - Is it Worth the Expense??
Replies: 52
Views: 4151

Re: Uninsured Motorist Car Insurance - Is it Worth the Expense??

One wonders why this problem is not addressed more correctly at the source. Uninsured motorist. If a state has required insurance and people don’t have it, what are the penalties? Most likely, nothing. A law that has no teeth. As long as we can and do pay uninsured motorist insurance there is no nee...
by Shallowpockets
Sat May 01, 2021 11:17 am
Forum: Personal Consumer Issues
Topic: Buying land in subdivision, but build house from scratch
Replies: 27
Views: 2455

Re: Buying land in subdivision, but build house from scratch

I would not do this venture. It sounds like a money and time sink. Too many unknowns, even after you think you know. Sometimes when you are in for the penny you then are most definitely in for the pound. At some point in such a project there is no going back. I see it as multiples of thousands, not ...
by Shallowpockets
Sat May 01, 2021 11:08 am
Forum: Personal Consumer Issues
Topic: plumbing issue -- low flow from bathroom sink faucet
Replies: 14
Views: 949

Re: plumbing issue -- low flow from bathroom sink faucet

Check the feed lines from the wall supply to the faucet itself. You can get buildup in there. The aerator and those lines are the easiest things to check before you go taking apart, or getting a new faucet.
The feed valves can also get buildup.
by Shallowpockets
Thu Apr 29, 2021 10:11 am
Forum: Personal Consumer Issues
Topic: Help me buy my son a 5K new used car....
Replies: 62
Views: 4504

Re: Help me buy my son a 5K new used car....

I have a used car worth about 5K. No way would i agree to let the "maybe" buyer take the car for several hours for all the inspection you want to do. Nor would I want to accompany them to do so. There are plenty of other buyers out there who will not require that. So if you and your son wa...
by Shallowpockets
Tue Apr 27, 2021 4:27 pm
Forum: Personal Consumer Issues
Topic: Motobecane fantom do sport 2020
Replies: 23
Views: 1466

Re: Motobecane fantom do sport 2020

I have a Motobecane from BikesDirect. The frame build is as good as any other bike you will buy. Welds are real good. Mine was made in Taiwan. I suspect the Treks and Specialized bikes are built there also. Mine is a dual suspension, 27.5"+ ebike. I ride it in Colorado. Rocks, bumps, humps, and...
by Shallowpockets
Mon Apr 26, 2021 5:17 pm
Forum: Personal Investments
Topic: Retirees: Nobody Cares About You
Replies: 10
Views: 2004

Re: Retirees: Nobody Cares About You

Well it is true nobody cares about you, but it is not for those reasons.
by Shallowpockets
Mon Apr 26, 2021 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT add baby as authorized user to build credit history?
Replies: 85
Views: 6875

Re: Why NOT add baby as authorized user to build credit history?

This is an example of gaming the system. Par for the course nowadays. It was never a loophole until someone crawled through it. Whether or not it was significantly beneficial in some way is irrelevant to some. Simply that it can be done is enough.
by Shallowpockets
Mon Apr 26, 2021 3:58 pm
Forum: Personal Consumer Issues
Topic: Traveling to UK in July - seriously! Need suggestions
Replies: 18
Views: 1367

Re: Traveling to UK in July - seriously! Need suggestions

Stay on London.lots to do. Otherwise it is a cram job.Something you see here all the time. Everyone wants to cram the schedule to the max as if everything would go seamlessly. Don’t know what the flights are, but there is getting into the city and getting back to the airport at the end.Takes time. D...
by Shallowpockets
Sun Apr 25, 2021 11:32 am
Forum: Personal Consumer Issues
Topic: Right to quiet enjoyment
Replies: 3
Views: 993

Re: Right to quiet enjoyment

If it is a dog barking issue impeding your quiet enjoyment, forget it. Nothing has ever been done by any municipality to effectively police and mitigate that issue.