Search found 62 matches

by notBobToo
Fri Feb 26, 2021 12:13 pm
Forum: Personal Consumer Issues
Topic: WalletHub's 2021 Ranking of states to retire to
Replies: 20
Views: 2347

Re: WalletHub's 2021 Ranking of states to retire to

Colorado and affordability? Only if you want to live in a very small rural town near Kansas. There's nothing wrong with doing so, but I'd guess that 80-90% of the CO population does not live in affordable areas, but of course it's all relative. Affordable compared to San Fran? Yes. Affordable compa...
by notBobToo
Sat Feb 20, 2021 10:57 am
Forum: Personal Finance (Not Investing)
Topic: How to estimate state income tax (moved to new state)
Replies: 4
Views: 339

Re: How to estimate state income tax (moved to new state)

Recently relocated to a new state and wonder how to get an accurate estimate of 2021 state income taxes. Primarily for withholding and to avoid penalties. I tried a couple of online state income tax calculators. I also downloaded the new state's tax forms, tables and instructions (2020) and entered...
by notBobToo
Sat Feb 20, 2021 10:50 am
Forum: Personal Finance (Not Investing)
Topic: How to estimate state income tax (moved to new state)
Replies: 4
Views: 339

Re: How to estimate state income tax (moved to new state)

SnowBog wrote: Fri Feb 19, 2021 7:04 pm I believe you can use TurboTax Online for free to do an estimate. You only need to pay to file.
I'll give that a try, thanks!
by notBobToo
Fri Feb 19, 2021 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to estimate state income tax (moved to new state)
Replies: 4
Views: 339

How to estimate state income tax (moved to new state)

Recently relocated to a new state and wonder how to get an accurate estimate of 2021 state income taxes. Primarily for withholding and to avoid penalties. I tried a couple of online state income tax calculators. I also downloaded the new state's tax forms, tables and instructions (2020) and entered ...
by notBobToo
Mon Feb 15, 2021 2:32 pm
Forum: Personal Consumer Issues
Topic: How to approach cross-country move
Replies: 20
Views: 7541

Re: How to approach cross-country move

I guess my main concern relates to rentals. Has anyone done short-term renting on either end of a move? Was it reasonably easy to get a furnished apartment that was month-to-month? How awful was it? Almost impossible to find a month-to-month rental (house, condo) when I was looking in late 2019. Ma...
by notBobToo
Mon Feb 01, 2021 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Quest Labs and Medicare-require credit card before drawing blood?
Replies: 26
Views: 1544

Re: Quest Labs and Medicare-require credit card before drawing blood?

On Medicare with high cholesterol and getting tests twice a year with lipid panels once a year. The first couple of years, Quest Diagnostics was the lab of choice in my geographic location. I did have similar issues (required to sign ins waiver, give them CC prior to blood draw, sometimes incorrect ...
by notBobToo
Sat Jan 23, 2021 4:52 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1075
Views: 48827

Re: Bird watchers – what birds are you seeing?

Not a watcher, just have always enjoyed the birds both in my (former) backyard bordering open space in Colorado and more recently, along the shoreline and dock outside of my condo in Maryland. Have enjoyed the blue heron, egrets, bald eagles, osprey and all sorts of water fowl. This past week, someo...
by notBobToo
Fri Jan 22, 2021 1:20 pm
Forum: Personal Consumer Issues
Topic: What to expect when retiring to NC?
Replies: 43
Views: 4015

Re: What to expect when retiring to NC?

My wife and I considered NC as a retirement destination. We visited 10 or 12 active adult / 55+ communities in the Charlotte and Raleigh areas. (All were HOA -- I doubt that you would be able to find that type of community without an HOA). However, we found that property taxes in NC (depending on th...
by notBobToo
Sun Jan 17, 2021 12:26 pm
Forum: Personal Consumer Issues
Topic: Computer Security - Encryption, Antivirus, Passwords
Replies: 9
Views: 1024

Re: Computer Security - Encryption, Antivirus, Passwords

Great responses, thanks! I don't think my older Mac has the T2 chip. I guess it's a matter of how sophisticated the thief/hacker is. I would assume 99.9% of people who steal a laptop probably just want to turn around and make a quick buck off it. They wouldn't have the technology or knowledge to un...
by notBobToo
Tue Jan 12, 2021 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use ID.me?
Replies: 18
Views: 2062

Re: Anyone use ID.me?

TierArtz wrote: Tue Jan 12, 2021 7:00 pm I use it for veterans' 10% discount on Apple products.
Yeah, I forgot all about that. Got 10% off my 2018 Mac mini.
by notBobToo
Tue Jan 12, 2021 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use ID.me?
Replies: 18
Views: 2062

Re: Anyone use ID.me?

I used ID.me a couple of years ago to get my veteran's ID card. The verification process, to get set up on ID.me, was pretty straightforward. Took a while to get through the process on the .gov side (uploading documents several times along with some sort of glitch with my DD 214). But the authentic...
by notBobToo
Tue Jan 12, 2021 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use ID.me?
Replies: 18
Views: 2062

Re: Anyone use ID.me?

I used ID.me a couple of years ago to get my veteran's ID card. The verification process, to get set up on ID.me, was pretty straightforward. Took a while to get through the process on the .gov side (uploading documents several times along with some sort of glitch with my DD 214). But the authentica...
by notBobToo
Sun Jan 03, 2021 11:25 am
Forum: Personal Finance (Not Investing)
Topic: How to electronically pay landlord directly into Bank Account
Replies: 32
Views: 2359

Re: How to electronically pay landlord directly into Bank Account

Frankly, this is beyond frustrating that I have a person's ABA routing and account number and yet cannot easily place money into their account. It's almost 2021, why is this so difficult? +100 I completely agree with you, it is ridiculous how hard is to transfer money to 3rd party account. Instead ...
by notBobToo
Mon Dec 07, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: is it ok to download Big Sur for MAC yet??
Replies: 47
Views: 3914

Re: is it ok to download Big Sur for MAC yet??

Any of the "early adopters" also running Carbon Copy Cloner? If so, any issues? An early e-mail from Bombich Software recommended waiting, which I am. I have a Mac mini (2018; 6-core i7; 1 TB SSD) running Catalina, with 16 GB of RAM and two, 2 TB external drives (one for CCC and one for Ti...
by notBobToo
Thu Dec 03, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: Buying a 1.3M house - worried about unexpected expenses
Replies: 93
Views: 6639

Re: Buying a 1.3M house - worried about unexpected expenses

Well, the inspection contingency should have been in the sales contract. If not, you are SOL. But again, as others have pointed out, 75K fixes a lot of issues on a 3 YO house. I sold less than a year ago in a fairly hot market, with an inspection contingency (which at the time and with my prior expe...
by notBobToo
Tue Dec 01, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: Best non-cotton undershirts that run long and stay tucked in?
Replies: 9
Views: 1222

Re: Best non-cotton undershirts that run long and stay tucked in?

I wear J C Penney undershirts. They have both 100% cotton, and blended cotton/poly. T shirts are available in tall, X-tall, and regular. They have regular sales, and the prices are reasonable. I am tall, and buy XL/XT shirts. They stay tucked in as they are quite long. After I have worn them for a ...
by notBobToo
Sat Nov 28, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Should I get a new ATT Cellular Plan?
Replies: 7
Views: 505

Re: Should I get a new ATT Cellular Plan?

After years with AT&T, I recently switched to T-Mobile Magenta 55+ plan. For the two of us, $70 a month for unlimited text and data plus 2 GB hot spot and better non-US coverage. Was paying AT&T $137 a month for similar coverage, supposedly with a corporate discount.
by notBobToo
Fri Nov 06, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Neighbor Tree Trim Waiver Form?
Replies: 8
Views: 1226

Re: Neighbor Tree Trim Waiver Form?

runner3081 wrote: Fri Nov 06, 2020 8:26 am If concerned, why don't you be a good neighbor and hire someone of your choice to trim your branches that hang over the property line?
+1e6

However, I've learned the hard truth that such good neighbors are very hard to find.
by notBobToo
Tue Nov 03, 2020 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: HOA stopping my rental
Replies: 80
Views: 8267

Re: HOA stopping my rental

But for homes in nice locations renting actually increases the property value. Source for this, please? My experience, in two SFH neighborhoods, once rentals get a foothold, unless the HOA does something, they inevitably increase in coverage, and the neighborhood and property values stagnate or dec...
by notBobToo
Sun Nov 01, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Furnace Filters
Replies: 50
Views: 3795

Re: Furnace Filters

I've tried everything from 3M to Ace (house brand), and don't find much difference in brands.

For summer, I use a MERV 4; for winter, typically MERV 11 or 12. Change them every 60 - 90 days. 20x25x1
by notBobToo
Sat Oct 31, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Are cheap all-in-one printers fine?
Replies: 28
Views: 2114

Re: Are cheap all-in-one printers fine?

+1 vote for mono all in one laser printer. I have a Brother MFC-L2710DW which prints seamlessly via wireless from all of our Apple devices (Mac mini, iPad, iPhones). Scanner feature works well too, from the built-in app on the Mac mini. The only thing I really miss is printing 8x10 and 4x6 color pho...
by notBobToo
Sat Oct 31, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D 2021
Replies: 13
Views: 1368

Medicare Part D 2021

I just went through the online plan comparison for both wife and I for 2021. I was a little surprised by the results. I wonder what other people are finding? Our 2020 plan is through WellCare. The premium is about 17.00 a month (each). Our out-of-pocket drug costs are zero when using the preferred p...
by notBobToo
Thu Oct 29, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Silver Sneakers vs. Renew Active: Access to Gyms
Replies: 9
Views: 1475

Re: Silver Sneakers vs. Renew Active: Access to Gyms

Silver Sneakers (AARP UHC), in my prior location, covered many, many fitness places, from 24 Hour Fitness to senior fitness classes at a community college (gym). Unfortunately, for some reason, where I am now, they (AARP UHC) don't offer Silver Sneakers.
by notBobToo
Wed Oct 28, 2020 12:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22934
Views: 3007979

Re: U.S. stocks in free fall

Climbing back up away from the abyss. I'm down 2% right now-- practically Soaring compared to an hour ago! Realistically we've got a few more weeks of this and I won't have any meaningful fresh powder until late November, so watching for my own amusement. "He's spent his powder!" (From Th...
by notBobToo
Tue Oct 27, 2020 5:49 pm
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 300
Views: 30352

Re: Simplicity [Minimalist lifestyle]

A story from a few decades ago ... I once worked on the WSSC account (water company for metro MD-DC-VA) for my (IT) company. Got to know a few of the system admin folks, some pretty good, over time. One day, the dba says to me, "Hey, I know your brother!" I say "Really, how? You live ...
by notBobToo
Thu Oct 22, 2020 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 2182

Re: Housing market and the economy

All RE is local and dependent on that location. While 2008 we saw a national downturn, many locations had a mild downturn and rebounded quickly. Other locations had deeper fall in values and took much longer to recover. People look at RE the wrong way, Residential RE for most people is a lifestyle,...
by notBobToo
Thu Oct 22, 2020 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 2182

Re: Housing market and the economy

This could be a beginning a of long run up... call it it bubble... maybe in some areas... There are still areas that have not recovered from 2007... so keep that in mind some areas still look really cheap... But the supply has been eaten up... There's barely 100 homes for sale in my area... last ye...
by notBobToo
Thu Oct 22, 2020 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 2182

Re: Housing market and the economy

I think we’re in a bubble. Most of the people who are buying now are people who already own homes. Few people who don’t already own can afford to get into the market right now. Also, we’re not seeing a ton of inventory because people’s mortgages are in forbearance. So no rush to sell if you’re unde...
by notBobToo
Thu Oct 22, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 2182

Re: Housing market and the economy

You don't sound like you have real motivation to get a house to begin with, so why are you looking ? Just because that's what people do or do you feel you miss out on an investment opportunity ? The numbers in your area clearly seem to suggest that its not an investment right now (or not a good one...
by notBobToo
Thu Oct 22, 2020 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 2182

Re: Housing market and the economy

If you can get a favorable lease where you are now, why not continue to rent? There is nothing wrong with renting. It sounds like you’re in a nice location and unit. You will get many financial reasons and opinions on this forum that renting should be the default option. I guess it all comes down t...
by notBobToo
Thu Oct 22, 2020 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 2182

Housing market and the economy

I was just reading the "Waited too long to buy a house - but starting to feel priced out..." thread. I didn't want to jump in that thread, but would like to ask about comments from that thread that lead to questions such as: Is it or is it not a Bubble? Who are all of these buyers? What's ...
by notBobToo
Sat Oct 10, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: How would you deal with this credit card issue?
Replies: 8
Views: 1638

Re: How would you deal with this credit card issue?

I don't know what caused this. However, having worked in IT at several banks, I I highly doubt that 1) the bank transposed a $9 transaction to 9 cents or 2) if you picked the amount of the credit card payment, even if it was not the correct balance, Wells Fargo changed that amount. Very strange to ...
by notBobToo
Fri Oct 09, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: How would you deal with this credit card issue?
Replies: 8
Views: 1638

Re: How would you deal with this credit card issue?

I can't believe that by simply adding an account for e-bill pay (NOT auto-pay), that I agreed to let Wells Fargo rummage around in my checking account at any time, doing any type of transaction. Do you have autopay set up from the WF side (maybe inadvertently)? I can see a card holder making a manu...
by notBobToo
Fri Oct 09, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: How would you deal with this credit card issue?
Replies: 8
Views: 1638

Re: How would you deal with this credit card issue?

Thanks; I just might file a complaint if for nothing more than to shine some light on the (apparently) practice of unauthorized withdrawals (and deposits). I can't believe that by simply adding an account for e-bill pay (NOT auto-pay), that I agreed to let Wells Fargo rummage around in my checking a...
by notBobToo
Thu Oct 08, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: How would you deal with this credit card issue?
Replies: 8
Views: 1638

How would you deal with this credit card issue?

Back in September I made a one-time payment of 756.56 from my online Wells Fargo account (after first adding a checking account for the bill pay). That amount was what I mistakenly believed was the balance of my account (more on that later). A couple of days later I saw the debit in my checking acco...
by notBobToo
Sat Sep 19, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 66
Views: 5615

Re: Relocation - CO considerations?

Some points about the South Denver recommendations up thread ... 1. Littleton. Great little city. Nice downtown area, including restaurants, shopping, etc. and a small professional theater. Lots of activities throughout the year. Great public library, museum. Littleton Public Schools are very good. ...
by notBobToo
Fri Sep 18, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 66
Views: 5615

Re: Relocation - CO considerations?

And if important to you ... Things actually DRY. For example, you can dry clothes on delicate and even if not 100% dry, hang them and they'll be perfectly dry in a few hours (towels on towel racks dry quickly, and so on). Chilled bottled and canned drinks won't sweat all over coasters, counters and ...
by notBobToo
Mon Sep 14, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Coping with Megacorp rat race
Replies: 168
Views: 17096

Re: Coping with Megacorp rat race

Having worked at a Megacorp for over 40 years, I always thought that if I had to do it over again, I would work like an [associate, intern, apprentice, dog, what have you] for five years, make as many contacts as I could, learn as much as I could (including having Megacorp pay for my Masters), and s...
by notBobToo
Sat Aug 29, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 94
Views: 11030

Re: water softener for whole house?

I got the Fleck water softener system today. The cost of the system including shipping was $746. Though it took me three trips to the big box hardware stores to get the adapters and pipe, I finished installing it myself this afternoon, reportedly saving myself at least $800 in labor. It looks like ...
by notBobToo
Tue Aug 25, 2020 11:16 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32298

Re: What is the best concert you ever witnessed?

Well, I'm going way back and date myself ...

Led Zeppelin, May, 1969 at Merriweather Post Pavillion (Laurel/Columbia, Maryland). As the opening band for ... The Who.
by notBobToo
Wed Jul 29, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 108
Views: 13028

Re: Middle of Nowhere Retirement

I like the west...somewhere with forests... Eastern Washington and Idaho have some appeal, probably somewhere north of Boise in the trees, vs. west of Pullman in the wheat. There is some dry country in eastern Washington, with some interesting places to explore, but a more forested area might be be...
by notBobToo
Tue Jul 28, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: subaru outback limited or audi 4 quattro?
Replies: 49
Views: 4295

Re: subaru outback limited or audi 4 quattro?

You're comparing the Subaru Outback to the Audi A4 Allroad, correct? (Not the A4 sedan.) Anyway, two very different vehicles. I mean, the Allroad starts at 44600, right? (And the Premium Plus, sort of apples-to-apples, starts at 47700.) Also, no way to compare an Outback to any German in terms of th...
by notBobToo
Fri Jul 17, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Stainless steel appliance cleaner - need recommendation
Replies: 42
Views: 2166

Re: Stainless steel appliance cleaner - need recommendation

Also, be sure to use a damp microfiber cloth for the final wipe down and in-between cleanings. I found that on my stainless Bosch, except for grease or other tough stains, just water on a microfiber cloth got rid of all fingerprints and smudges. I buy microfiber cloths in the bulk package from Costco.
by notBobToo
Mon Jul 13, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?
Replies: 232
Views: 24342

Re: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?

My wife and I are in our late 50's, and we are seriously considering buying a house in a 55+ community in North Carolina to be closer to family. One concern we have is as follows: Let's say one day we decide to sell our age-restricted home when we are in our 70s or 80s...will there be any buyers ou...
by notBobToo
Sat Jul 11, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Desktop PC speakers, AC powered, <$100
Replies: 12
Views: 482

Re: Desktop PC speakers, AC powered, <$100

I recently purchased a pair of Bose Companion 2 Series III speakers (Amazon), 99 dollars.
by notBobToo
Sat Jul 11, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Amazon Delivery Issues-Any Ideas?
Replies: 39
Views: 1610

Re: Amazon Delivery Issues-Any Ideas?

I chalk it up to covid.

Most orders are delivered 7 to 10 days after the date given (Prime delivery), sometimes longer (one never arrived and after 30 days, I cancelled the order). Also, orders from Walmart are no different.

This is in a somewhat rural area of Maryland.
by notBobToo
Fri Jul 10, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Who has painted their own house?
Replies: 45
Views: 3884

Re: Who has painted their own house?

Maybe 20 years ago I roll/brush painted my two story (quad level) house. I rented a bucket, which was well worth the cost. (Although I think it was amusing to others in the cul-de-sac, including one neighbor who would anchor and tie a rope around his waist when he painted the upper reaches of his ho...
by notBobToo
Mon Jul 06, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 18172

Re: Some possible luxury SUV choices to buy: Opinions?

Are you also having issues with the infotainment system, too? From what I've read, that's where many of the owner complaints stem from. No problems with the infotainment system. Apple car play works flawlessly. I used the radar cruise control on a cross county trip with no issues. The lane keep, bi...
by notBobToo
Thu Jul 02, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Too-frequent home insurance claims
Replies: 7
Views: 13435

Re: Too-frequent home insurance claims

Yes; when with SF about 15 years ago, my Jake gave me the same advise.

I have not heard that from my current carrier (Hartford). But then again, only one claim in that time.
by notBobToo
Thu Jul 02, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Inexpensive Basic Microphone for Zoom
Replies: 15
Views: 1249

Re: Inexpensive Basic Microphone for Zoom

^^^
I got a Blue Snowflake to (USB) attach to my Mac mini. Works great. I just checked and it is now under Legacy, so the Snowball is probably the way to go.