Search found 535 matches

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: 109
Views: 5090

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: 1016

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: 1157
Views: 54359

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: 7
Views: 1174

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: 2765

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: 1157
Views: 54359

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: 1817

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: 25056

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: 42
Views: 2985

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: 1795

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: 1072

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: 2356

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: 7143

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: 1234

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: 7143

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: 7143

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: 7143

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: 6613

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: 2668

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: 1642

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: 7299

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: 1701

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: 1490

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: 559

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: 3804

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: 1009

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: 3804

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: 401

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: 401

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: 283

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: 855

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: 832

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: 855

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: 11861

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: 26047

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: 322

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: 5334

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: 258

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: 258

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: 4436

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...
by TT
Tue Jul 02, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Wood burning stoves
Replies: 30
Views: 2618

Re: Wood burning stoves

Recommend this site:

https://www.hearth.com/talk/
by TT
Tue Mar 26, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: New Fridge?
Replies: 28
Views: 2857

Re: New Fridge?

I have had rather unsatisfactory performance from 2 LG appliances and when there was an issue the parts needed were not available and unfortunately customer service was as bad as the products. I have had positive experiences with Maytag, GE and Whirlpool and would purchase them again.
by TT
Sat Feb 16, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Composite Cedar Siding and Real Cedar Siding Maintenance
Replies: 25
Views: 2652

Re: Composite Cedar Siding and Real Cedar Siding Maintenance

Hi all, my wife and I are building a custom home and have a few large accents on our home that has been spec'd as clear cedar siding. I was hoping to find a great looking composite/engineered product to use instead of real cedar. I know there is some fiberboard products that are painted to look lik...
by TT
Wed Jul 11, 2018 5:12 am
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 2525

Re: Radon

Having an electronic radon detector is far superior Long term charcoal testing is the gold standard in reliability and is used as a radon clearance test. He used two of those over a 4 1/2 month period, so there is no question about the test results. Electronic radon detectors are very convenient, a...
by TT
Tue Jul 10, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 2525

Re: Radon

I would recommend buying a radon detector that monitors radon in real time. Why? He has done two long term charcoal tests, which is the gold standard of reliability, and came back with a 4.9. Further testing is not going to change anything. Having an electronic radon detector is far superior as it ...
by TT
Tue Jul 10, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 2525

Re: Radon

I’ve been reading old posts regarding radon. Thought I’d post my specific situation for any feedback. I used one of the devices that you set out for three months or more (4.5 months in my case). Came back 4.9 in the basement and 2.5 on the first floor (4 is the EPA action level). Uncertainty level ...
by TT
Tue Apr 17, 2018 6:25 pm
Forum: Personal Investments
Topic: Record Keeping for Pretax Accounts
Replies: 2
Views: 628

Record Keeping for Pretax Accounts

Over the years I have keep records and final statements of all my IRAs, 401K's both Roth and Traditional which traces all the accounts I have had and transfers that have taken place between different institutions. So anytime a transfer was made between different institutions it could be traced back ...
by TT
Wed Mar 14, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1221
Views: 208639

Re: My 2017 CRV is a victim of the dreaded oil gas dilution issue

Good luck if you think Honda is going to admit any responsibility. They are notorious for ignoring ongoing issues and usually have to settle with a class action lawsuit and the customer is reimbursed a fraction of repair costs. After my 2008 Honda rear brake issue I bid them a not so fond farewell.