Search found 543 matches

by TT
Sat Jun 19, 2021 3:17 am
Forum: Personal Investments
Topic: How Am I Doing? 39 year old asking for a checkup
Replies: 21
Views: 3445

Re: How Am I Doing? 39 year old asking for a checkup

I would estimate you are doing very well financially. To relieve your concerns regarding a taxable account perhaps you can set a goal that is reasonable for post tax savings and then pay yourself first every month and invest those funds however you consider suitable for your asset allocation . Once ...
by TT
Fri Jun 18, 2021 4:26 pm
Forum: Personal Consumer Issues
Topic: Favorite Movies - Name Five
Replies: 150
Views: 6055

Re: Favorite Movies - Name Five

i do not watch many movies but these are memorable for me

Last of the Mohicans
Dances with Wolves
Tombstone
Unforgiven
The Wizard of Oz
The Sound of Music
Philadelphia
Out of Africa
by TT
Thu Jun 17, 2021 2:35 pm
Forum: Personal Consumer Issues
Topic: Do I Actually Need New Windows, or Am I Being Sold?
Replies: 48
Views: 4513

Re: Do I Actually Need New Windows, or Am I Being Sold?

Probably yes. We replaced a lot of '80s vintage windows and exterior sliders and the impact on inside comfort was quite noticeable. Windows have improved dramatically since 1974 and if they are fogging, etc - getting new ones are probably best. I got better pricing through independent contractors w...
by TT
Wed Jun 16, 2021 8:21 pm
Forum: Personal Consumer Issues
Topic: Insecticide on Slate Patio (sweet ants)?
Replies: 14
Views: 962

Re: Insecticide on Slate Patio (sweet ants)?

I have used Boric Acid ( not Borax) with good results. You use very small amounts mixed with sweet or protein foods. Significantly less toxic than commercial insecticides.
https://ants.com/how-to-use-boric-acid-to-kill-ants/
by TT
Tue Jun 15, 2021 4:59 am
Forum: Personal Consumer Issues
Topic: Rx home delivery?
Replies: 75
Views: 3387

Re: Rx home delivery?

Pharmacies in my area have drive through and delivery services if one is adverse to enter their facilities. My recent experiences with USPS are not good enough to entrust them with my Rxs.
by TT
Fri Jun 11, 2021 8:12 am
Forum: Personal Consumer Issues
Topic: Apple watch for 10 year old?
Replies: 85
Views: 6275

Re: Apple watch for 10 year old?

I think this article is a good read for any parent today with young children. Hoping it can help some make better informed decisions regarding technology use in daily life. Good Luck

https://www.theatlantic.com/magazine/ar ... on/534198/
by TT
Fri May 28, 2021 8:13 am
Forum: Personal Consumer Issues
Topic: Toyota Issue
Replies: 9
Views: 1190

Toyota Issue

My 2013 Venza with 58,000 miles stranded my DW on a highway doing 65 mph. Luckily she always drives in the right lane and was able to get the car to drift off the roadway. The engine just stopped with no previous performance issues. Apparently there is an ongoing issue with fuel pumps failing and To...
by TT
Wed May 19, 2021 6:00 pm
Forum: Personal Consumer Issues
Topic: Cheap Places for Lumber
Replies: 54
Views: 4395

Re: Cheap Places for Lumber

Depending were you live you could check local saw mills that sell rough sawn unplanned lumber that is cheaper but there is a long line ahead of you. Then you have to stack it and air dry it from 2-12 months depending on where you live and the dimensional thickness. The good news is a 2x4 is actually...
by TT
Thu May 06, 2021 7:06 pm
Forum: Personal Consumer Issues
Topic: Anyone hate where they live primarily because of the weather?
Replies: 155
Views: 11311

Re: Anyone hate where they live primarily because of the weather?

I live in northern New England and love the cold weather and the deep snow, the lack of hurricanes, tornadoes, wildfires, 110 degree days, oppressive humidity, and flooding. Also, I enjoy living in the safest area of the U.S. as Maine, New Hampshire and Vermont are the top 3 states for public safety...
by TT
Fri Apr 23, 2021 3:56 pm
Forum: Personal Consumer Issues
Topic: John Deere D105 mower
Replies: 14
Views: 1055

Re: John Deere D105 mower

-$1500 retail when new
-big box store specs, built to a price point
-recall for transmission failures
- if your lawn has hilly terrain I would pass
by TT
Sat Apr 17, 2021 5:08 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1305
Views: 63745

Re: Bird watchers – what birds are you seeing?

This spring has been very interesting with the same pair of geese returning yearly making a noisy racket from 5:30 in the morning, the extremely large tom with a beard long enough to drag on the ground as he struts in the meadow for over 1/2 hour trying to impress the six hens who totally ignore him...
by TT
Sat Apr 17, 2021 4:49 am
Forum: Personal Consumer Issues
Topic: Kraftmaid Cabinets and Home Depot - Price confusion
Replies: 18
Views: 2689

Re: Kraftmaid Cabinets and Home Depot - Price confusion

From my experience with an entire kitchen remodel the local independent design center was significantly better in all ways to complete the remodel. From product knowledge , his recomendation for the cabinet maker crew to do the installation was amazing to work with as doing the job with perfection w...
by TT
Fri Apr 02, 2021 7:00 am
Forum: Personal Consumer Issues
Topic: toyota sequoia vs toyota sienna safety
Replies: 44
Views: 2830

Re: toyota sequoia vs toyota sienna safety

Let's not forget that the safest vehicle is the one that can avoid an accident with advanced technology and handling characteristics. Accident avoidance with a top heavy body on frame SUV usually has a significantly higher degree i.e. 2x the rate of rollover probability of passenger cars. Approximat...
by TT
Thu Mar 25, 2021 6:34 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1305
Views: 63745

Re: Bird watchers – what birds are you seeing?

This week about 15 minutes before sunrise an adult Bald Eagle flew from a large stand of mixed conifers into a meadow at the edge of a pond/marsh. He landed on a large branch high up on an oak tree overlooking the area. As he keep a watchful eye on two large ravens that were in another tree the rave...
by TT
Fri Mar 05, 2021 7:22 am
Forum: Personal Consumer Issues
Topic: Who's responsible for lost shipment?
Replies: 33
Views: 1844

Re: Who's responsible for lost shipment?

The vendor is sympathetic but says they shipped the item, so there's really nothing else they can do. This is not accurate as the sender needs to file a claim with USPS. I sent a package and tracked the package that would state it was at a particular location in transit for over 10 days. Once I fil...
by TT
Thu Mar 04, 2021 9:22 am
Forum: Investing - Theory, News & General
Topic: ARK investment
Replies: 267
Views: 25421

Re: Morningstar article about ARK

Bogleheads: John Rekenthaler at Morningstar has written this insightful article about ARK funds: https://www.morningstar.com/articles/1026630/ark-funds-the-tail-that-wags-the-dog I'll pass. Best wishes. Taylor Jack Bogle's Words of Wisdom: "Selecting funds that will significantly exceed market...
by TT
Tue Mar 02, 2021 6:19 am
Forum: Personal Consumer Issues
Topic: snow plow pricing
Replies: 45
Views: 3422

Re: snow plow pricing

So I have a company that plows my driveway which is about 125 yards ish long and 12 feet wide...black asphalt, smooth and in good repair. Simple nothing to cut in and work around as the garage and approach are all heated and dont gather snow...They come every time it snows 2 inches or more and will...
by TT
Sun Feb 28, 2021 8:00 am
Forum: Personal Investments
Topic: Bonds???
Replies: 20
Views: 1807

Re: Bonds???

I need to re-balance my AA because I'm 90/10 stocks/Bonds. I just read Buffet isn't fond of bonds right now and I don't know enough to pick anything right now or what to do. I'm 54 so not retiring for at least 10+ years. I will exchange funds in my traditional IRA which is all VFIAX right now to br...
by TT
Sun Feb 28, 2021 7:39 am
Forum: Personal Consumer Issues
Topic: Chimney repair estimates
Replies: 11
Views: 1078

Re: Chimney repair estimates

I have about 10 deteriorating (spalling) bricks on the my chimney. I had the chimney inspected by two different contractors which gave very different opinions. Contractor A: He said he could replace just the 10 bricks and apply a sealant for a cost of $2000. This cost seems outrageous. Contractor B...
by TT
Fri Feb 26, 2021 5:27 pm
Forum: Personal Consumer Issues
Topic: WalletHub's 2021 Ranking of states to retire to
Replies: 20
Views: 2376

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

Ranking states with a such limited number of metrics really does not have much value. Florida is ranked #1 overall yet Healthcare is ranked # 28. In retirement you would think that this measurement would have more weight in a ranking. New York is ranked #49 for affordability. How can you compare the...
by TT
Wed Feb 24, 2021 6:34 pm
Forum: Personal Consumer Issues
Topic: Retiring to Vermont/New Hampshire area
Replies: 91
Views: 7249

Re: Retiring to Vermont/New Hampshire area

Previous posters have mentioned New Hampshire's high property taxes which are the third highest in the US and the effective tax rate is 2.18% with only New Jersey and Illinois being higher. I have been looking at real estate there but not only are the taxes high they seem to be very variable from ye...
by TT
Wed Feb 24, 2021 6:47 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail Problem
Replies: 15
Views: 1247

Re: Yahoo Mail Problem

I receive an incredible amount of spam from Yahoo. I have a spam folder that I clear regularly and also request sender blockage for each email. Same stuff reappears almost daily. I rarely get spam in Gmail. Is there anything I can do short of cancelling yahoo mail? I have been using Yahoo email for...
by TT
Sat Feb 20, 2021 6:35 pm
Forum: Personal Consumer Issues
Topic: Retiring to Vermont/New Hampshire area
Replies: 91
Views: 7249

Re: Retiring to Vermont/New Hampshire area

Interested in this thread. I’ve been researching Woodstock, VT and would love feedback on that and similar towns to check out. Woodstock is the wealthiest town in Vermont that has been influenced for decades by the interest of the Rockefellars. Beautifully restored large early 19th century houses ,...
by TT
Sat Feb 20, 2021 1:52 pm
Forum: Personal Consumer Issues
Topic: Retiring to Vermont/New Hampshire area
Replies: 91
Views: 7249

Re: Retiring to Vermont/New Hampshire area

Do you like high state taxes? If not, stay away from Vermont. Making broad generalizations about state taxes really does not accurately illustrate real costs of living in any state. It does in this case. Can you tell me what knowledge and experiences you have had in Vermont to have this opinion tha...
by TT
Sat Feb 20, 2021 10:54 am
Forum: Personal Consumer Issues
Topic: Retiring to Vermont/New Hampshire area
Replies: 91
Views: 7249

Re: Retiring to Vermont/New Hampshire area

samsoes wrote: Sat Feb 20, 2021 10:15 am Do you like high state taxes? If not, stay away from Vermont.
Making broad generalizations about state taxes really does not accurately illustrate real costs of living in any state.
by TT
Thu Feb 04, 2021 11:16 am
Forum: Personal Finance (Not Investing)
Topic: High tax rate...am I missing anything?
Replies: 79
Views: 6642

Re: High tax rate...am I missing anything?

The United Sates has the 25th highest tax rate for Married Couples filing jointly.
You could be paying a higher rate elsewhere.
A good problem to have.
by TT
Wed Feb 03, 2021 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage ?
Replies: 43
Views: 2701

Re: Medigap or Advantage ?

I would definitely recommend a Medigap plan over an Advantage part C plan. There is a lot of piece of mind when a medical issue arises that you can concentrate on finding the best care without worrying about having to be preapproved for a specific test, is my health care provider I need to see in ne...
by TT
Tue Feb 02, 2021 9:56 am
Forum: Personal Consumer Issues
Topic: Replacing old Washer & Dryer
Replies: 23
Views: 1661

Re: Replacing Washer & Dryer (Gas)

I would stay away from any Top Load washers. I purchased an LG top load washer that was a CR best buy and it really is not very efficient. First the energy efficiency for water usage only applies to one wash cycle i.e. Cotton Normal and all other cycles use large amounts of water that fills the tub ...
by TT
Tue Feb 02, 2021 9:35 am
Forum: Personal Consumer Issues
Topic: Building our retirement home
Replies: 102
Views: 7389

Re: Building our retirement home

We live on 103 acres in Vermont and although we have total privacy with no view of any neighbors we still have easy access to a paved state road. There are very many properties for sale that are private but you may not want to drive distances on 2-4 long unpaved roads up a steep mountain to get what...
by TT
Sun Jan 31, 2021 8:05 am
Forum: Personal Consumer Issues
Topic: Do you tip chimney cleaners?
Replies: 22
Views: 1772

Re: Do you tip chimney cleaners?

I always tip the chimney sweep with a bottle of bourbon or whiskey - maybe Makers Mark or G. Dickel No.12.
BTW I clean my own chimney.
by TT
Wed Jan 20, 2021 6:31 pm
Forum: Personal Investments
Topic: Postal Service and Vanguard
Replies: 21
Views: 1528

Re: Postal Service and Vanguard

I would not attempt to do any personal finance via mail for a while. I mailed a second priority envelope to Vanguard and it took over 2 weeks to arrive when it normally would take 3 days. Mail from a bank in Utah took 32 days when it normally takes 7 days. Online or in person for now while Dejoy is ...
by TT
Mon Jan 18, 2021 10:01 am
Forum: Investing - Theory, News & General
Topic: Closed End Funds
Replies: 5
Views: 580

Closed End Funds

After reading this article I was wondering about opinions regarding Closed End Funds. The author makes a case for these funds with significantly higher costs than Index Funds are worth considering as even with the increased cost the high distributions result in higher gains. Your thoughts? https://w...
by TT
Sun Jan 17, 2021 7:21 am
Forum: Personal Consumer Issues
Topic: How to deter rodent from chewing wires in car
Replies: 50
Views: 3972

Re: How to deter rodent from chewing wires in car

Our 2017 Subaru Impreza parked in the driveway was constantly having a rat problem under the hood. Fortunately the wires weren’t eaten but they left a lot of droppings. We tried so many of the often mentioned remedies like peppermint oil, noise emitting gadgets placed under the car, Irish Spring so...
by TT
Sun Jan 17, 2021 7:03 am
Forum: Personal Consumer Issues
Topic: Is it ok to have refrigerator and freezer on carpeted floor?
Replies: 10
Views: 1064

Re: Is it ok to have refrigerator and freezer on carpeted floor?

If the condensor coils are located on the bottom of the unit I would not install the unit on a carpet. My refrigerator is on a hardwood floor and the coils are less than 1/2 inch above the surface of the floor. On a carpet the potential for the coils being in contact with the carpet would prevent th...
by TT
Sat Jan 16, 2021 3:59 pm
Forum: Personal Consumer Issues
Topic: How to deter rodent from chewing wires in car
Replies: 50
Views: 3972

Re: How to deter rodent from chewing wires in car

I sustained $1100 damage to a car due to a rodent chewing wires related to the engine. This car was parked outside. I've read suggestions for using fox urine or sulfur to deter rodents in the future, but thought I would check here to see if anyone has first-hand experience. I am unable to put this ...
by TT
Sat Jan 16, 2021 3:22 pm
Forum: Personal Investments
Topic: Correcting Vanguard Error
Replies: 2
Views: 412

Re: Correcting Vanguard Error

Silk McCue wrote: Sat Jan 16, 2021 1:15 pm Since you are provided the means by which to correct this online there won't be anything else to do unless you are instructed to do so at the end of the process. You will find that out in due course.

I would proceed.

Chees
Thank You
by TT
Sat Jan 16, 2021 11:27 am
Forum: Personal Investments
Topic: Correcting Vanguard Error
Replies: 2
Views: 412

Correcting Vanguard Error

My spouse and I recently completed 2 individual Retirement Account Contribution Forms for our Roth IRA's . We checked the the boxes that the contributions are for the tax year 2020. When we reviewed the Transaction Confirmation for the transactions they both are in error stating the contributions ar...
by TT
Tue Jan 12, 2021 10:26 am
Forum: Personal Investments
Topic: Roth Conversion at Vanguard- first time
Replies: 2
Views: 293

Roth Conversion at Vanguard- first time

I converted $7,000 each from my and my spouse's Traditional IRAs to our Roth IRAs. We are both over 59 1/2 so the 1099R reads the dollar amount of the contributory IRA, Box 2b is checked as our quarterly taxes will cover the taxes due, IRA box is checked and the Distribution Box code is 7 designatin...
by TT
Mon Jan 11, 2021 6:43 am
Forum: Personal Consumer Issues
Topic: Fixing cracks in stone facade
Replies: 10
Views: 865

Re: Fixing cracks in stone facade

If I am seeing the second image correctly it appears the mortar and stone protrude beyond the siding creating a surface that water and moisture can accumulate. You should use a chisel and remove as much mortar as you can. You may find the mortar to have deteriorated and sandy which needs to be remo...
by TT
Sun Jan 10, 2021 6:43 pm
Forum: Personal Consumer Issues
Topic: What do I have covering my exterior wall and how to repair?
Replies: 13
Views: 837

Re: What do I have covering my exterior wall and how to repair?

I have a brick house which is covered by this. I assume the gray underneath is stucco? and the white which is about 6 inches long and has chipped away is paint? what specific materials do i need to repair this? elsewhere on the wall i also see cracks forming (which hopefully is just only paint crac...
by TT
Sun Jan 10, 2021 9:48 am
Forum: Personal Consumer Issues
Topic: Fixing cracks in stone facade
Replies: 10
Views: 865

Re: Fixing cracks in stone facade

If I am seeing the second image correctly it appears the mortar and stone protrude beyond the siding creating a surface that water and moisture can accumulate. You should use a chisel and remove as much mortar as you can. You may find the mortar to have deteriorated and sandy which needs to be remov...
by TT
Tue Jan 05, 2021 9:23 am
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 163
Views: 12024

Re: USPS is incredibly fast!

My recent experiences have been mixed with some packages arriving in a timely manner and others extremely slow. One parcel took 31 days to go 225 miles :oops: and another mailed at the same time took 6 days to go 2800 miles.
by TT
Mon Jan 04, 2021 7:41 am
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 26340

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

I prefer doing my own work around the property. I mow around 3 acres, plow or snow blow 450 foot driveway and cut and split 2 + cords of wood every year. I rather do most maintenance, repairs or home improvments myself. I only use contractors when absolutely necessary.
by TT
Sun Jan 03, 2021 9:22 am
Forum: Personal Consumer Issues
Topic: How to convert wall clock to battery movement
Replies: 5
Views: 323

Re: How to convert wall clock to battery movement

I would have a reputable clock repair/restoration professional look at it first to see it is worth repairing. It is possible it just needs a cleaning and oiling to get it to run again. I have two mechanical clocks that run accurately to less that 1 minute a week variance and they require winding onc...
by TT
Sun Aug 02, 2020 10:12 am
Forum: Personal Investments
Topic: Investing in vacant land (acerage)
Replies: 37
Views: 5384

Re: Investing in vacant land (acerage)

Rural vacant land value is extremely risky if you don't do your research. If you are considering areas that are less desirable then I would strongly suggest you consider wooded timber land over vacant farmland. Consider RE taxes and any state incentives for not developing the land. Good northern har...
by TT
Wed Apr 08, 2020 7:53 am
Forum: Personal Investments
Topic: Transfer of a Roth IRA to Vanguard
Replies: 2
Views: 267

Re: Transfer of a Roth IRA to Vanguard

So after one week of being told there were no funds in my account that were transferred and numerous calls and extremely long wait times and research done by a "Resolution Team" who as of yesterday stated that there was no resoluion at this time the funds showed up this a.m. in my online a...
by TT
Sun Apr 05, 2020 5:04 pm
Forum: Personal Investments
Topic: Transfer of a Roth IRA to Vanguard
Replies: 2
Views: 267

Transfer of a Roth IRA to Vanguard

I have an account with Vanguard for about 12 years. I opened a brokerage account and completed all the necessary online and hard copy paperwork that Vanguard required. I initiated a transfer from Dodge and Cox on March 24th. Dodge and Cox transferred the funds electronically on April 1st and provide...
by TT
Sun Nov 17, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 36
Views: 4462

Re: Toyota Highlander vs Subaru Ascent--Advice

Currently on my 3rd Subaru and I have not had many issues. 2000 Outback - purchased new - head gaskets went @ 90,000 miles and Subaru extended the warranty -sold car @ 190,000 miles with no other major issues. 2004 Outback 6 cylinder - purchased used @ 120,000 miles traded @ 209,000 miles - normal w...