Search found 330 matches

by zlandar
Sat May 08, 2021 12:10 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Leaf Blower
Replies: 58
Views: 2757

Re: Recommendation for Leaf Blower

Need to specify what your use is for. Any decent blower can blow leaves off a dry driveway. If you want enough power to do it in grass/semi wet conditions then you need a gas,corded, or very powerful battery blower. If you are buying a battery blower try to buy one that uses the same batteries as yo...
by zlandar
Sat Apr 24, 2021 10:05 am
Forum: Personal Consumer Issues
Topic: Buying and Installing a Safe?
Replies: 45
Views: 3561

Re: Buying and Installing a Safe?

I bought a safe and regret it. They are extremely heavy and I use it only to store documents. You can scan all your important documents to the cloud. Don't leave things of high value in your house. No bars of gold sitting in my home. I'm way more worried someone breaking into my home when I'm there ...
by zlandar
Sat Apr 10, 2021 12:07 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 48
Views: 3084

Re: walking shoes with wide toes?

I wear New Balance running shoes. Kohl's carries NB in-store with varying wide sizes. Try the ones they have regardless of the color/style until you find one that is comfortable. You can check if they have a specific style/color on the self-serve electronic kiosk in the shoe dept. If it's not in sto...
by zlandar
Fri Apr 02, 2021 6:53 pm
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 139
Views: 13625

Re: How to make strong coffee equivalent to Starbucks for cheaper?

Krups used to sell a Moka brewer:

https://www.krupsusa.com/faq/BREAKFAST- ... 8000035468

Makes strong tasting coffee and it's very hot. Unfortunately they stopped selling them a couple years ago.
by zlandar
Wed Mar 31, 2021 8:43 am
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 3993

Re: exipred / obsolete propane jugs

Out-of-date tanks can be exchanged for new tanks. I've done it myself with no questions asked. But the only time I do an exchange is if a tank is out-of-date; otherwise, I have the tank refilled (see below). Yes Blue Rhino fills to 15lbs. I can get my tanks filled for $10 at my local Ace Hardware; ...
by zlandar
Sun Mar 28, 2021 10:00 am
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 3993

Re: exipred / obsolete propane jugs

Out-of-date tanks can be exchanged for new tanks. I've done it myself with no questions asked. But the only time I do an exchange is if a tank is out-of-date; otherwise, I have the tank refilled (see below). Yes Blue Rhino fills to 15lbs. I can get my tanks filled for $10 at my local Ace Hardware; ...
by zlandar
Fri Mar 26, 2021 10:31 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5931

Re: TV size question

I think I've decided on the Sony X900H: https://www.amazon.com/dp/B084KTQBQT/ref=twister_B0854TYLZB?_encoding=UTF8&psc=1 or possibly the Samsung Q70T: https://www.amazon.com/gp/product/B0849QPL5B?tag=rtings-tv-p-20&ie=UTF8 I've always like Samsungs, but rtings likes the sony a lot more than...
by zlandar
Fri Mar 26, 2021 9:30 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5931

Re: TV size question

I think I've decided on the Sony X900H: https://www.amazon.com/dp/B084KTQBQT/ref=twister_B0854TYLZB?_encoding=UTF8&psc=1 or possibly the Samsung Q70T: https://www.amazon.com/gp/product/B0849QPL5B?tag=rtings-tv-p-20&ie=UTF8 I've always like Samsungs, but rtings likes the sony a lot more than...
by zlandar
Fri Mar 26, 2021 9:00 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5931

Re: TV size question

Have a 77" oled 8' away from the couch. I don't think it's too big.

Depending on the TV and content 720p/1080p can be upscaled so it doesn't look as blurry. Some of the higher-end standalone streaming devices like Nvidia Shield (2019 version) can also upscale content.
by zlandar
Mon Feb 08, 2021 2:34 pm
Forum: Personal Consumer Issues
Topic: Replacing old Washer & Dryer
Replies: 23
Views: 1652

Re: Replacing old Washer & Dryer

Bought a LG washer/dryer pair a month ago after my Whirlpool dryer died. LG wahers/dryers supposedly have the best reliability when I googled. I was initially going to buy it from Costco but they didn't have any units in stock and I would have to wait a month. I ended up buying a very similar LG was...
by zlandar
Sat Jan 23, 2021 6:10 pm
Forum: Personal Consumer Issues
Topic: Town A vs Town B
Replies: 75
Views: 5281

Re: Town A vs Town B

The example you set for your kids matters more IMO. There are kids that are successful from both types of backgrounds.
by zlandar
Sun Jan 17, 2021 2:40 am
Forum: Personal Consumer Issues
Topic: Best leaf vacuum?
Replies: 10
Views: 741

Re: Best leaf vacuum?

I have a similar Toro electric model for 10+ years. I only use it to suck up leaves now. Keeps an area leaf-free a lot better than blowing.
by zlandar
Sun Jan 17, 2021 2:35 am
Forum: Personal Consumer Issues
Topic: Real reviews of Gas Hot water heaters
Replies: 31
Views: 2351

Re: Real reviews of Gas Hot water heaters

I have a 80 gallon Rheem water heater which replaced a 60 gallon Rheem that was 15 years old. No issues with either one. I preemptively replaced the old water heater based on age. I have looked at replacing the anode rod and it does not seem easy to me. Only maintenance I do is partially drain the t...
by zlandar
Mon Jan 11, 2021 7:42 am
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 26130

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

Yes. Honda self-propelled gas mower on a 3/4 acre lot. Good exercise IMO.

I hire a lawn service to fertilize and lay down preemergent. I'll spot treat the lawn as needed.
by zlandar
Fri Dec 18, 2020 7:10 am
Forum: Investing - Theory, News & General
Topic: How overvalued is this market right now?
Replies: 90
Views: 7435

Re: How overvalued is this market right now?

Every time I put in a large sum of money into the market it feels like I put it in at the wrong time. There are posts from people who cashed out years ago because the market was "overvalued". It's tough to jump back in when you guess wrong and the market continues to climb for years. Even ...
by zlandar
Fri Dec 18, 2020 6:57 am
Forum: Personal Consumer Issues
Topic: Color laser printer - worth it for intermittent light use?
Replies: 69
Views: 3080

Re: Color laser printer - worth it for intermittent light use?

I replaced my old Canon B&W laser with a new Canon color laser and it's worth the extra cost IMO. The color laser routinely go on sale in the low $200's but the toner is very expensive at $80-90 for each toner cartridge. You need 4 toners- black, cyan, magenta, and yellow and the included starte...
by zlandar
Sun Nov 15, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Mold and/or septic inspection on home purchase (UPDATE: CESSPOOL)
Replies: 28
Views: 2117

Re: Mold and/or septic inspection on home purchase

Septic tanks rarely fail. More often it is the leach field or sand mound that goes bad. And only an experienced professional will be able to correctly test for this. I would never buy a home with a septic system without first getting a septic inspection. House I'm currently living in has a septic s...
by zlandar
Sun Nov 15, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: playstation 5
Replies: 34
Views: 3171

Re: playstation 5

I have been unsuccessful at every attempt. Target, wal mart, etc all a no go. I have tried at all of the drops. I came so close yesterday at the playstation drop, had it in my cart and my cc was declined as they were afraid it was fraud, by the time I clicked on the text to authorize it the ps5 was...
by zlandar
Mon Nov 09, 2020 10:45 am
Forum: Investing - Theory, News & General
Topic: So much for Schwab's user experience over Vanguard
Replies: 27
Views: 2594

Re: So much for Schwab's user experience over Vanguard

VG website was very slow/laggy and giving me errors earlier this AM. Now it seems back to normal. Trying to donate some ETFs in my VG account and need to chat quickly with a VG CSR. I'm using specID for my lots and there is no option to pick the lots after I filled out the requested info on the webs...
by zlandar
Sat Oct 17, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Costco Appliances
Replies: 21
Views: 2953

Re: Costco Appliances

Bought two fridges and a washer/dryer from Costco. No complaints. I like ordering from them because if I have an issue it's Costco.
by zlandar
Sat Oct 17, 2020 11:03 am
Forum: Personal Investments
Topic: new physician out of residency portfolio build
Replies: 27
Views: 2539

Re: new physician out of residency portfolio build

I wouldn't consider tax-exempt bonds until your mortgage is take care of. Doubt you are going to beat a guaranteed 3.25% after tax return aka your mortgage with bonds unless interest rates climb significantly higher. Going 90% (or even 100%) equities while aggressively paying down your mortgage is ...
by zlandar
Sat Oct 17, 2020 8:21 am
Forum: Personal Investments
Topic: new physician out of residency portfolio build
Replies: 27
Views: 2539

Re: new physician out of residency portfolio build

I wouldn't consider tax-exempt bonds until your mortgage is take care of. Doubt you are going to beat a guaranteed 3.25% after tax return aka your mortgage with bonds unless interest rates climb significantly higher. Going 90% (or even 100%) equities while aggressively paying down your mortgage is n...
by zlandar
Sun Oct 11, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Third row SUV seating considerations
Replies: 32
Views: 2436

Re: Third row SUV seating considerations

Minivans with dual-sliding panel doors > SUV. Much easier to access to 2nd/3rd rows. No worry about kids damaging your own or another vehicle when opening the door or hurting themselves or someone else closing a door.
by zlandar
Sat Oct 03, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3519

Re: Help with YouTube TV buffering issue

You could hard-wire your ATV to your router. I assume your router is next to your modem. If your ATV is next to a working cable outlet you can buy a pair of MOCA adapters like this: https://smile.amazon.com/MOTOROLA-Adapter-Ethernet-Bonded-MM1000/dp/B077Y3SQXR/ref=sr_1_5?crid=3EU666L0AXK8T&dchil...
by zlandar
Fri Oct 02, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Motion Detector Lights:
Replies: 20
Views: 1647

Re: Motion Detector Lights:

Motion detector lights are annoying to you and your neighbors IMO. Do you really want an outdoor light going on and off at shadows/bug/etc? You can buy a light switch that you can control/schedule by Wi-Fi/z-wave. Honeywell makes standalone switches with a built in clock you can buy on Amazon. I hav...
by zlandar
Fri Oct 02, 2020 12:06 pm
Forum: Personal Investments
Topic: 529 vs Taxable Account
Replies: 49
Views: 4025

Re: 529 vs Taxable Account

I have made it a point to save for my kid's college so they don't start their professional life with significant student loan debt like my wife and I were. I get nervous funding a 529 because I lose all control of the money. Has anyone every decided to use a taxable account to invest for college? I...
by zlandar
Fri Oct 02, 2020 10:13 am
Forum: Personal Investments
Topic: 529 vs Taxable Account
Replies: 49
Views: 4025

Re: 529 vs Taxable Account

I have made it a point to save for my kid's college so they don't start their professional life with significant student loan debt like my wife and I were. I get nervous funding a 529 because I lose all control of the money. Has anyone every decided to use a taxable account to invest for college? I...
by zlandar
Wed Sep 30, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: I need a Ladder—What type to get?
Replies: 64
Views: 3971

Re: I need a Ladder—What type to get?

The multi-position ladders aka Little Giant are significantly heavier than an aluminum ladder. I have a 22' one and I only bring it out when I have to. I use my 6' aluminum ladder way more because it's much lighter.
by zlandar
Sun Sep 27, 2020 7:31 am
Forum: Personal Investments
Topic: new physician looking for investment advice?
Replies: 21
Views: 2237

Re: new physician looking for investment advice?

For 2-6 are the ETFs and mutual funds all in the same brokerage account? If so I would not sell them if you would have to pay capital gains. If there is a future market drop that would allow you to sell any of those funds/ETFs without capital gains or loss then do so and buy into VTI. You can balanc...
by zlandar
Thu Sep 24, 2020 11:12 am
Forum: Personal Investments
Topic: VXUS - Why? [Vanguard Total International Stock ETF]
Replies: 109
Views: 8208

Re: VXUS - Why? [Vanguard Total International Stock ETF]

If you don't agree with the investment plan then come up with your own plan. It needs to be a plan you stick to though because otherwise you are just chasing performance. Bogle didn't have any international funds. One of his major points is that many large US corporations have half their revenue out...
by zlandar
Thu Sep 24, 2020 10:02 am
Forum: Personal Investments
Topic: When did VTI add in Tesla?
Replies: 10
Views: 2085

Re: When did VTI add in Tesla?

maybe you're thinking because they didn't make it into the S&P500 then how could they be in the total market? (https://www.google.com/search?client=firefox-b-1-d&q=tesla+to+be+added+to+s%26p) because the total includes small and mid cap as well. you don't have to worry about whether a compa...
by zlandar
Thu Sep 24, 2020 9:36 am
Forum: Personal Investments
Topic: When did VTI add in Tesla?
Replies: 10
Views: 2085

When did VTI add in Tesla?

I was looking up the top portfolio holdings for VTI and noticed Tesla is #8:

https://investor.vanguard.com/etf/profile/portfolio/vti

Just curious when VTI added Tesla given the massive run-up and stock-split this year. The information isn't going to change anything I do.
by zlandar
Thu Sep 17, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3575

Re: HVAC Service Contracts & Annual Service

I hire an HVAC company to do maintenance every other year. I change out air filters every 3 months myself.
by zlandar
Wed Sep 09, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: Looking for advice on a NAS for backup and media server duties
Replies: 7
Views: 608

Re: Looking for advice on a NAS for backup and media server duties

If you want to keep using the Acer laptop you could buy a 4-5 bay enclosure with a USB-C connection. Your Acer laptop has a gen 1 USB-C connection. It's not the most elegant solution but you are not downgrading from an i5 to a Celeron. I use a program called Drivepool that organizes multiple hard dr...
by zlandar
Mon Sep 07, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: Online cheap eyeglass prescription lenses...
Replies: 24
Views: 2200

Re: Online cheap eyeglass prescription lenses...

Zenni I looked at their website. I don’t think can get the prescription lenses without buying frames. I have my own frame. Think whoever makes your lenses needs to have the frame so the lenses are shaped properly. The Zenni frames are inexpensive. Would just buy the lenses + frames. If you insist o...
by zlandar
Sun Sep 06, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 1.3 mil house?
Replies: 36
Views: 3726

Re: Can I afford a 1.3 mil house?

You are both careful with spending having amassed $400k for a down payment. If you both continue working for >10 years and live the lifestyle that allowed you to accumulate $400k then yes you can afford the home. The drawback is that a lot of your future savings will be tied into the home for better...
by zlandar
Sun Sep 06, 2020 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Best way to pay for work shift
Replies: 35
Views: 2361

Re: Best way to pay for work shift

Have the employer doing payroll deduct the agree-upon amount from your salary and pay that same amount to the other doc doing your shift for the next pay period. When it runs through payroll all the FICA, state, and any applicable Medicare taxes are automatically applied. It takes less than a minute...
by zlandar
Sun Sep 06, 2020 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?
Replies: 65
Views: 6406

Re: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?

People need to be realistic about their current compensation when it comes to to their job requirements/responsibilities. Just because your current job works for you doesn't mean your employer sees it the same way. Maybe someone in the company has already looked at payroll and asked aloud why you ea...
by zlandar
Fri Sep 04, 2020 9:09 am
Forum: Personal Investments
Topic: Pay down mortgage or invest
Replies: 31
Views: 6831

Re: Pay down mortgage or invest

Pay down your mortgage and exchange the same amount of bonds for stocks.

I put an extra $5k in principal toward my mortgage. I exchanged $5k of Vanguard bonds for VG total stock index in my 401k.
by zlandar
Wed Sep 02, 2020 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help with Life Insurance Question
Replies: 23
Views: 1090

Re: Need Help with Life Insurance Question

His quote seems high. Her quote seems ok (not good, just ok). How did you get these quotes? Through an insurance broker or through the insurance company? If it's through an insurance company you need to have a broker give you quotes from multiple companies. 20 year term would get you to 55-59 in ag...
by zlandar
Wed Sep 02, 2020 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Need Help with Life Insurance Question
Replies: 23
Views: 1090

Re: Need Help with Life Insurance Question

His quote seems high. Her quote seems ok (not good, just ok). How did you get these quotes? Through an insurance broker or through the insurance company? If it's through an insurance company you need to have a broker give you quotes from multiple companies. 20 year term would get you to 55-59 in age...
by zlandar
Wed Sep 02, 2020 8:04 am
Forum: Personal Investments
Topic: Rebalance tax question
Replies: 6
Views: 395

Re: Rebalance tax question

You should not sell funds/ETFs in a taxable account to rebalance. Do you have any tax-deferred (401k, IRA, SEP) or tax-free (Roth) accounts? Those are the accounts you should buy/sell equities or bonds when rebalancing. Other option is to buy more bonds or whatever asset you need instead of selling ...
by zlandar
Wed Sep 02, 2020 8:00 am
Forum: Personal Investments
Topic: Husband doesn’t want to follow my investment plan
Replies: 47
Views: 7858

Re: Husband doesn’t want to follow my investment plan

Lots of people in this thread saying "it's his money" or "it's her money" and they can do as they like. Do you guys normally keep separate savings/checking accounts as well? We've always taken the approach of shared checking/savings and all money including retirement accounts is...
by zlandar
Fri Aug 28, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Itching for AirPod Pro
Replies: 32
Views: 2931

Re: Itching for AirPod Pro

I prefer the fit of the original Airpods. I use them over the Pros when working on the computer. The Pros I use when I want noise-cancelling for mowing the lawn. Fit of the Pros is highly dependent on the shape of your ear. My right Pro fits fine but the left Pro tends to fall out. It's something yo...
by zlandar
Thu Aug 27, 2020 1:35 pm
Forum: Personal Investments
Topic: Are International Stocks worth it?
Replies: 44
Views: 2784

Re: Are International Stocks worth it?

Vanguard target funds do a 60/40 US to international equity ratio. I use 65/35. Seen enough arguments both ways. Do whatever you feel comfortable with.
by zlandar
Sat Aug 22, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Convincing ISPs to improve neighborhood service
Replies: 14
Views: 1283

Re: Convincing ISPs to improve neighborhood service

You would need a large number of residents in your neighborhood willing to sign up with Comcast IMO. Comcast (or any other ISP) would have to lay the line and other equipment throughout the neighborhood. That's going to be a lot more work in a finished neighborhood with sidewalks and other utility l...
by zlandar
Thu Aug 20, 2020 8:59 am
Forum: Personal Investments
Topic: How often are you adding to taxable accounts?
Replies: 78
Views: 5190

Re: How often are you adding to taxable accounts?

I used to do biweekly but now it's once a month. The smaller number of entries makes it easier to tax loss harvest and donate ETFs.
by zlandar
Sun Aug 09, 2020 2:57 am
Forum: Personal Consumer Issues
Topic: Used Gaming Desktop buying advice
Replies: 19
Views: 1222

Re: Used Gaming Desktop buying advice

If you have a Microcenter near you can either build it yourself or buy a prebuilt PC. Their Powerspec line is priced close to what it would cost you to build it yourself. They use off the shelf parts which is good as it makes it easy to upgrade. Only gripes are the cases and PSUs can be kinda cheap....
by zlandar
Sat Aug 01, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Rechargeable batteries AA AAA etc.
Replies: 36
Views: 2170

Re: Rechargeable batteries AA AAA etc.

I buy Eneloop with Amazon as the direct seller. Too bad Costco no longer sells them in the store. I used to have a mish-mash of battery brands. I switched them all to Eneloop because the kids kept putting any kind of battery into the charger. Now if the battery is white it's rechargable. If not toss...
by zlandar
Mon Jul 27, 2020 6:10 am
Forum: Personal Consumer Issues
Topic: Pay Property and Income Tax Online or via Snail Mail
Replies: 17
Views: 1314

Re: Pay Property and Income Tax Online or via Snail Mail

A lot more secure online IMO. You get an electric receipt right after you submit the payment.

With snail mail what proof is there if the letter is lost or stolen?