Search found 586 matches

by andypanda
Thu Apr 15, 2021 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare - just A + B?
Replies: 30
Views: 2070

Re: Medicare - just A + B?

"I've heard some crazy costs thrown around for medical events ($600k-$1mm) " A buddy I've known for 43 years was hospitalized for 7 weeks due to Covid19, most of it in ICU on a ventilator, etc. His bill, before the Medicare and insurance company negotiated reductions was $2,900,000 and cha...
by andypanda
Wed Apr 14, 2021 1:37 pm
Forum: Investing - Theory, News & General
Topic: What's your definition of "Family Money"?
Replies: 47
Views: 5432

Re: What's your definition of "Family Money"?

My definition? When various family members have serious money, and/or trusts, and the money is used wisely for the benefit of all the family members as needed with a serious eye to the future. I know a couple who started off their married life working hard and they became very successful, one as a s...
by andypanda
Tue Apr 13, 2021 5:33 am
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 54
Views: 7489

Re: Tire experts? Can I trust a patched tire?

I had a couple of tires plugged in the good old days and they lasted until they wore out. My wife picked up a nail last year and had the almost new Michelin Premier A/S repaired. About 4 months later it started losing air randomly. It might lose a few pounds every few days and then not lose any for ...
by andypanda
Tue Apr 13, 2021 5:18 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5879

Re: Best 4 wheel drive vehicle

"There's a lot of love for 4 Runners, but like the poster above, I couldn't get over how outdated and cheap the interiors are. They also have an extremely underpowered V6 (good luck towing anything) that gets less than 15 MPG in real world driving, which is inexcusable in 2021." Not at all...
by andypanda
Sat Apr 10, 2021 10:22 am
Forum: Personal Finance (Not Investing)
Topic: house sale: check or wire?
Replies: 21
Views: 1061

Re: house sale: check or wire?

I sold my home last year just as the country shut down. My lawyer buddy handled my paperwork and delivered it to the closing agent/title services outfit, along with one of my checks marked VOID. In Virginia sellers do not attend the closing, so I went fishing. Two days later the money appeared in my...
by andypanda
Sun Mar 28, 2021 6:07 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1064
Views: 48229

Re: Bird watchers – what birds are you seeing?

I nearly hit a bald eagle Friday morning on the way to lunch. I was about a mile from the house approaching the first stop sign and as I slowed from 45 to about 20 or 25 a very large bird sprang into the air from behind a bush in a ditch. In the first instant as I jammed on the brakes I thought it w...
by andypanda
Sat Mar 20, 2021 8:29 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 33155

Re: [On-going Scams - Post them here]

When I receive a call from stranger who asks for me to verify my birthday I always say "Saturday" and wait to see what happens next. Re: VACASA in an earlier post "Vacasa is an international vacation rental management company based in Portland, Oregon, United States. It provides prope...
by andypanda
Sun Mar 14, 2021 10:06 am
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 364
Views: 26104

Re: Received 3rd stimulus check 3/12/21

"Many millionaires will be getting stimulus payments" Not on my street. :) Somehow it was easier for us to make taxable income disappear before I retired in 2012. I suppose it will only get worse in a couple of years when I have to start taking all of my RMDs and she starts SSA retirement ...
by andypanda
Sun Mar 14, 2021 9:09 am
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 364
Views: 26104

Re: Received 3rd stimulus check 3/12/21

I can't wait until Wednesday. I have an appointment to get my hair cut after a week's postponement. :happy My wife was saying something or other last night about us not getting a stimulus check, again. I asked her, "Are you saying you wish we were poor enough to qualify?" After she finishe...
by andypanda
Sat Mar 06, 2021 5:48 pm
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 163
Views: 11694

Re: USPS is incredibly fast!

I ordered $20 worth of clothing for my wife on Amazon on 2/16. It was scanned into the Indianapolis USPS distribution center on 2/17. (She bought a pair of warm sitting around the house lounge pants at Costco and liked them. Amazon had 2 for $20.) That's the last anyone has seen it or heard of it. T...
by andypanda
Tue Mar 02, 2021 9:35 pm
Forum: Personal Consumer Issues
Topic: Car idle RPM fluctuations - is it a problem? Solved
Replies: 7
Views: 830

Re: Car idle RPM fluctuations - is it a problem?

Google Subaru idle fluctuations if you haven't and see the variety of questions over the years/decades. Could be vacuum, could be the ECU is in need of a reset or it could be what the dealers say - it's normal.

Okay, one guy said his went from 1,000 to 5,000 and back and THAT is NOT normal.
by andypanda
Tue Mar 02, 2021 9:21 pm
Forum: Personal Consumer Issues
Topic: USPS tracking info never updates
Replies: 35
Views: 2347

Re: USPS tracking info never updates

"I haven't experienced the issues described. Every time I've checked USPS tracking with a valid number, it shows when a package arrived and when it departed each facility along the way." I have never seen that. I'm waiting on a late delivery now. I ordered a $20 item on Amazon and USPS is ...
by andypanda
Tue Mar 02, 2021 9:08 pm
Forum: Personal Consumer Issues
Topic: How much do you pay your tax professional?
Replies: 60
Views: 6453

Re: How much do you pay your tax professional?

0.28% of our adjusted gross income last year. In the range of full retail on one G.Loomis-Shimano Conquest bass rod. Some years more, some less. I did my taxes from '65 to '16 and my parents' taxes from '05 to '17 and it's worth it now to have somebody else do the whole mess for us - the SSA workshe...
by andypanda
Sun Feb 28, 2021 6:23 pm
Forum: Personal Consumer Issues
Topic: Stolen car while in repair shop & my options
Replies: 37
Views: 3918

Re: Stolen car while in repair shop & my options

Call the insurance company for advice. Send them a copy of the police report.

Find a better body shop?
by andypanda
Sat Feb 27, 2021 5:30 pm
Forum: Personal Consumer Issues
Topic: Power tool storage in non-conditioned, detached garage
Replies: 21
Views: 1910

Re: Power tool storage in non-conditioned, detached garage

I've been using a 3-car detached garage with a walkup attic since I started dating my now-wife in 2015. Her late husband built it right before he died in 2008 and it was never insulated at all or heated. It has 3 small windows across the back, a side door and the garage doors. And a ridge vent. It's...
by andypanda
Fri Feb 26, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: Can I grow Black Oil Sunflowers in my garden from bird seed?
Replies: 6
Views: 739

Re: Can I grow Black Oil Sunflowers in my garden from bird seed?

I've also been doing it for a long, long time.

For fun, get a pack or two of giant/monster/jumbo sunflower seeds that will grow 9' or 10' tall with seed heads the size of dinner plates. I grow them closer to the house so I can water them if need be and stake them when they get top heavy.
by andypanda
Wed Feb 24, 2021 8:41 am
Forum: Investing - Theory, News & General
Topic: Is too much saving a zero sum game ?
Replies: 72
Views: 7288

Re: Is too much saving a zero sum game ?

If I buy a share of stock that exists only in a computer the seller gets to spend the money, it doesn't disappear from circulation. Well, the seller could take the money and bury it in a mason jar and forget about it for 40 years. If I don't buy a new boat this year who is going to pay the hourly bo...
by andypanda
Sun Feb 21, 2021 8:23 pm
Forum: Personal Consumer Issues
Topic: No Heat Foods?
Replies: 92
Views: 4889

Re: No Heat Foods?

"The rule of thumb is that you shouldn't be able to smell any gasoline at all." That's obvious. Isn't it? And our 3-car garage is not connected to the house fwiw. In any case, I believe I'd rather have the gas cans in the house than outside where some nutcase, fire bug, or youngster can ge...
by andypanda
Sun Feb 21, 2021 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Cash: a survey
Replies: 95
Views: 6324

Re: Cash: a survey

1. 14.2% 2. 6 years or so. 3. Been retired since 2012 and due to begin RMDs in a year or so. My wife inherited a little money last year and I'm not counting that. It would add 2.5 years or so to #2 at our current level of expenses, but she'll probably end up giving it to her son, d-in-law and 2 gran...
by andypanda
Fri Feb 19, 2021 6:33 pm
Forum: Personal Consumer Issues
Topic: No Heat Foods?
Replies: 92
Views: 4889

Re: No Heat Foods?

"Looking for advice on the fuel. Whatever can be safely stored in a fiery hot garage during a Texas summer. " Gas, propane, map gas, I've stored most everything in a garage. Virginia isn't Texas, but it's semi-tropical with 100*F days from time to time. Most folks keep cars and maybe ridin...
by andypanda
Fri Feb 19, 2021 5:35 pm
Forum: Personal Consumer Issues
Topic: No Heat Foods?
Replies: 92
Views: 4889

Re: No Heat Foods?

Heat it and cook it. Wrap the food in foil and let it get really hot. There are cookbooks about road trip cooking with recipes for everything from ribs to chicken, etc. "I love canned sardines" I hate them, but I'll eat them. When the store shelves are bare they still have my favorite - an...
by andypanda
Mon Feb 15, 2021 8:06 pm
Forum: Investing - Theory, News & General
Topic: The premise of the "emergency fund" is flawed
Replies: 559
Views: 33080

Re: The premise of the "emergency fund" is flawed

"Cash emergency funds (and cash car funds and cash rainy day funds) don't make sense for people who can get liquidity in other ways. " Okay, I'll admit they don't make sense to you. They obviously make sense to other people. Let's say I have 3 million in a taxable account that I never touc...
by andypanda
Tue Feb 09, 2021 9:26 am
Forum: US Chapters
Topic: Why A Good Boglehead Must Leave The Bogleheads Forum
Replies: 180
Views: 18373

Re: Why A Good Boglehead Must Leave The Bogleheads Forum

"Frequenting this forum can only cause you to act."

My dog needing to go out is about the only thing that can cause me to act, especially after 9 years of retirement. :beer
by andypanda
Sun Feb 07, 2021 11:23 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 300
Views: 30350

Re: Any Minimalists on here?

"Minimalist out of choice or necessity? It sounds like necessity, which is something else I think. Friends of mine who've grown up in working poor families, have built lives with lots of stuff, houses, etc. which is understandable." We can afford a 7000 sq.ft home, but like our 2400 sq.ft ...
by andypanda
Thu Feb 04, 2021 6:26 pm
Forum: Personal Consumer Issues
Topic: Amazon return delays
Replies: 43
Views: 1452

Re: Amazon return delays

Two months ago I made my first Amazon return. It took a week or so to get the $23 back that I'd spent on new grease caps for my boat trailer. The package number was right, but the product was not as advertised. Here's what I learned... It could take a month... "Amazon.com Help: About Our Return...
by andypanda
Thu Feb 04, 2021 6:14 pm
Forum: Investing - Theory, News & General
Topic: TSLA: What Changed?
Replies: 152
Views: 11892

Re: TSLA: What Changed?

"This is beyond nonsense. How many of those 8 million horses do you see on the interstate?" Your complaint is nonsense. He didn't say anything about buying a horse to ride to work or on the Interstate. You can assume what he meant, but that wasn't what he said. I was born in 1950 and nobod...
by andypanda
Wed Feb 03, 2021 1:41 pm
Forum: Investing - Theory, News & General
Topic: TSLA: What Changed?
Replies: 152
Views: 11892

Re: TSLA: What Changed?

"A recent quote from Elon Musk was buying a non-autonomous car will soon be similar to owning a horse." I suppose that depends on when soon arrives. There are 7 or 8 million horses in the US, compared to less than a million Teslas iirc. I'm sure Tesla will do well, but they aren't there ye...
by andypanda
Wed Feb 03, 2021 9:11 am
Forum: Investing - Theory, News & General
Topic: TSLA: What Changed?
Replies: 152
Views: 11892

Re: TSLA: What Changed?

I haven't even finished my first cup of coffee and I've already seen two interesting items. First, Tesla has been forced to recall 135,000 vehicles due to a failure prone chip in the screen. They'd been charging owners to fix them, but the feds say it's a safety issue because the backup camera won't...
by andypanda
Tue Feb 02, 2021 6:31 pm
Forum: Investing - Theory, News & General
Topic: TSLA: What Changed?
Replies: 152
Views: 11892

Re: TSLA: What Changed?

"They started posting profits a year ago, and 2020 is their first year of profitability across all quarters." What happens when they run out of environmental credits to sell? From https://fortune.com/2020/09/30/tesla-profit-revenue-environmental-credits-elon-musk/ "Tesla’s fastest-gro...
by andypanda
Tue Feb 02, 2021 10:58 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 300
Views: 30350

Re: Any Minimalists on here?

I was raised in a minimalist household in the '50s and '60s. I have no desire to return to living in a rowhouse in downtown Baltimore. I like my hobbies, tools, boat, fishing gear and such. I like mowing the yard and watching the deer and turkeys that wander out of the woods to graze. My wife and I ...
by andypanda
Sat Jan 30, 2021 8:10 am
Forum: Personal Consumer Issues
Topic: Off the grid
Replies: 38
Views: 4074

Re: Off the grid

I think I'd pay to have electric brought in. And maybe get a generator, too. $78,000 is a small percentage of the cost of 900 acres, even in Montana. You just have to decide what's important. We're currently looking at small cottages on an east coast island that floods from time to time. The power g...
by andypanda
Wed Jan 27, 2021 3:48 pm
Forum: Investing - Theory, News & General
Topic: PSA for 3 funds folks: Did you pass the "Buy, Hold, and Rebalance" Test on March 2020?
Replies: 135
Views: 4949

Re: PSA for 3 funds folks: Did you pass the "Buy, Hold, and Rebalance" Test on March 2020?

A) Did you buy the stock in March 2020 in spite of it going down 30+%? - I'm retired, so the only buying I do is reinvesting all of the dividends and interest. B) Did you hold the stock in March 2020 in spite of it going down 30+%? - I always hold. Always. C) Did you rebalance by selling the bond an...
by andypanda
Mon Jan 25, 2021 8:26 am
Forum: Personal Consumer Issues
Topic: Best State and National Parks in the Southeast
Replies: 54
Views: 3965

Re: Best State and National Parks in the Southeast

"It would simply be East. Not NE; not SE." Sure, Virginia is in the East. So is New York, Vermont, South Carolina and New Jersey. I don't think East works for much other than referring to the East Coast. And I don't think mid-Atlantic works either. "Mid-Atlantic (United States) New Yo...
by andypanda
Sun Jan 24, 2021 9:46 pm
Forum: Personal Consumer Issues
Topic: Best State and National Parks in the Southeast
Replies: 54
Views: 3965

Re: Best State and National Parks in the Southeast

I vote for the Cape Hatteras National Seashore. It's 70 miles long and covers 47 sq.mi. www.nps.gov/caha/index.htm "The nonprofit American Association of Geographers defines the southeastern United States as Alabama, Florida, Georgia, Kentucky, Maryland, Mississippi, North Carolina, South Carol...
by andypanda
Sun Jan 24, 2021 9:29 pm
Forum: Personal Consumer Issues
Topic: Best/most comfortable walking shoes?
Replies: 28
Views: 2596

Re: Best/most comfortable walking shoes?

"I prefer the Brooks Ghost line for pavement/indoor"

My wife walks on pavement. She started looking at replacing her junky cheap shoes and after a week or two of looking came home Saturday with a pair of Ghost 13. So far so good. They look to be very well made.
by andypanda
Sat Jan 23, 2021 7:15 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring
Replies: 140
Views: 7915

Re: Engagement Ring

I bought a 1.5+ carat engagement ring from Whiteflash a little over 2 years ago and do not regret it at all. It's an F/VVS2 and very nice. She's getting diamond stud earrings from WF for her birthday. I highly recommend them. Tiffany gives you a nice blue box though. Our rings from WF came in nicely...
by andypanda
Sat Jan 16, 2021 9:43 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5083
Views: 1324307

Re: What Book Are You Currently Reading? Part VI

Carolina Flare: Outer Banks Boatbuilding & Sportfishing Heritage by Neal, John and Jim Conoley (father and sons) 2007, 286 pages, 600 pics. From an article in www.soundingsonline.com/boats/carolina-on-our-minds "Legendary builders and their boats fill the pages of North Carolina maritime hi...
by andypanda
Thu Jan 14, 2021 2:22 pm
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 163
Views: 11694

Re: USPS is incredibly fast!

I moved to Richmond VA in 1972 and the mail service has always had serious problems, usually at the sorting level. There are public reports and investigations available on line to prove it. The carriers have generally been pretty good. Things have improved a lot during the past 12 months. I feel lik...
by andypanda
Thu Jan 07, 2021 9:38 am
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 25975

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

"There isn't a worse feeling for me than mowing the lawn on a nice day, knowing that I could be hitting golf balls instead." It doesn't take all day. I no longer play golf, but I can get up at 4 to go fishing and have the boat back in the garage later in the afternoon with plenty of time l...
by andypanda
Thu Jan 07, 2021 9:02 am
Forum: Personal Consumer Issues
Topic: Why do car salesman want to talk to me?
Replies: 63
Views: 6714

Re: Why do car salesman want to talk to me?

I think they're trained to do whatever the boss says. If the boss is an idiot... When I was shopping for my current 4Runner I emailed a dealer in D.C. and asked if a specific truck, by number, had KDSS a $1750 option. I told them I was in Richmond and had purchased vehicles in D.C. previously. Didn'...
by andypanda
Wed Jan 06, 2021 8:10 pm
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 25975

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

I cut back 12 6-foot rose bushes to shin level yesterday and hauled the trimmings around the house and across the yard and out into the woods. Today I cut back a 10-foot tall x 5-foot diameter ornamental grass plant to ankle height and stuffed most of it in 8 green bags before hauling the leftovers ...
by andypanda
Wed Jan 06, 2021 7:56 pm
Forum: Personal Consumer Issues
Topic: Thanks Everyone Follow Up: 1 Year Car Buy Update: Finally. 2021 Toyota Four Runner TRD Pro Loaded: Thanks Everyone!
Replies: 16
Views: 2017

Re: Thanks Everyone Follow Up: 1 Year Car Buy Update: Finally. 2021 Toyota Four Runner TRD Pro Loaded: Thanks Everyone!

Nice truck. :) I have a Trail Premium w/KDSS I bought the end of '16. The only thing I've done to it is change the speakers to Focals and add a lot of sound mat to the doors. And WeatherTech mats.
by andypanda
Wed Jan 06, 2021 1:20 pm
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 25975

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

I enjoy mowing our 2 acres. Of course, having a 50" Toro zero turn helps make it fun. And so does being retired and having the time to do it when it needs it. I do the maintenance, too. Moneywise, when I bought it in '16 for $3900 my soon-to-be wife had been paying $70 per mow for a hit and run...
by andypanda
Fri Jan 01, 2021 9:22 am
Forum: Personal Finance (Not Investing)
Topic: What did you spend in 2020?
Replies: 204
Views: 12862

Re: What did you spend in 2020?

I have no idea what we spent. We're 65 and 70 and were married in 11/2018. I stuck to my lifelong plan of investing too much and then spending most of what's left. For 2020, I sold my former home in an all cash deal and paid off the mortgage on my wife's home where we now live. That was $129k. Some ...
by andypanda
Mon Dec 28, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Vehicle quality (the real data, not anecdotes)
Replies: 139
Views: 9225

Re: Vehicle quality (the real data, not anecdotes)

"This is not exactly right. Yes, I'm sure that many accidents are because of people playing with their phones/tech in the car. But many more have been avoided due to auto-braking, lane-departure warnings, blind spot detection etc." It's not? My post mentioned the survey saying that 25% of ...
by andypanda
Mon Dec 28, 2020 8:04 am
Forum: Personal Consumer Issues
Topic: Vehicle quality (the real data, not anecdotes)
Replies: 139
Views: 9225

Re: Vehicle quality (the real data, not anecdotes)

I clicked the link. It's even worse than I expected. "Infotainment is most problematic category: Almost one-fourth of all problems cited by new-vehicle owners relate to infotainment. Top complaints include built-in voice recognition; Android Auto/Apple CarPlay connectivity; touchscreens;" ...
by andypanda
Mon Dec 07, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Fish Prep Ideas
Replies: 33
Views: 2022

Re: Fish Prep Ideas

Why did I mention Faidley's? I'm hungry. I'm always up for seafood and I grew up in Baltimore. Of course the Lexington Market in the '50s was more of a market where they'd parade a big chicken, turkey or goose on the counter for your approval before they'd go butcher it. Now it's mostly food stalls,...
by andypanda
Mon Dec 07, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: Fish Prep Ideas
Replies: 33
Views: 2022

Re: Fish Prep Ideas

"Crabs should be steamed."

Ever have a deep fried crab at the Lexington Market in downtown Baltimore. They pull the shell off, clean it, put the meat on top and replace the shell. Then they dip it in thick batter and deep fry it.

Like you said, crabs should be steamed. ;)
by andypanda
Mon Dec 07, 2020 4:05 pm
Forum: Personal Investments
Topic: Why is my pension so terrible?
Replies: 57
Views: 5725

Re: Why is my pension so terrible?

"I am 35 years old and work in a casino with a union pension. I just received my monthly benefit estimate after 10 years of service. If I were to quit today, I’d receive roughly $235/month when I reach 65." I'm not seeing a problem here. I thought most if not all pension plans paid nothing...
by andypanda
Sun Dec 06, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Fish Prep Ideas
Replies: 33
Views: 2022

Re: Fish Prep Ideas

"Once thawed and about 30 minutes before cooking, we pour a little dressing into the bag with the fish." Italian dressing in a baggie also works if you let it soak in fridge, or cooler, for 3 or 4 hours or even overnight. I used to do a lot of surf fishing and camping in North Carolina and...