Search found 162 matches

by Jeepergeo
Sat Jun 19, 2021 11:05 am
Forum: Personal Consumer Issues
Topic: Office Desk
Replies: 14
Views: 1157

Re: Office Desk

Note that the weights are different. The more expensive model weighs more AND includes some solid wood rather than just manufactured wood. I'm not sure it would be worth $500+ more. You might want to look at the used market. With a lot of firms going to more work from home workforces, there are some...
by Jeepergeo
Sat Jun 19, 2021 10:19 am
Forum: Personal Consumer Issues
Topic: Favorite Westerns - Name 10
Replies: 66
Views: 3242

Re: Favorite Westerns - Name 10

The Life and Times of Judge Roy Bean

These actors seemed to show up consistently in great oaters.

John Wayne
Clint Eastwood
Robert Duvall
Gene Hackman
Charles Bronson
Lee Van Cleef
Jack Palance

I could easily pick a couple dozen from movies where thise guys had a role.
by Jeepergeo
Sat Jun 19, 2021 9:31 am
Forum: Personal Investments
Topic: Ideas to get 5-6%
Replies: 105
Views: 8618

Re: Ideas to get 5-6%

Since you’re relatively new here, I’ll just add that you’re wandering away from the village and into the forest with peer-to-peer lending. Not saying it’s bad - but it’s outside of the comfort area of most investors (whether Bogleheads or not). It also strays into the realm of investments you need ...
by Jeepergeo
Fri Jun 18, 2021 10:50 am
Forum: Personal Consumer Issues
Topic: World Cruise Recommendations
Replies: 38
Views: 2204

Re: World Cruise Recommendations

Hello, my wife and I are considering taking a world cruise sometime in 2022 or maybe later, depending on how the pandemic continues to play out. It looks like there's many options - from itineraries, length of cruise to different cruise lines. I think we might be leaning towards some of the Viking ...
by Jeepergeo
Fri Jun 18, 2021 9:59 am
Forum: Personal Consumer Issues
Topic: How long to wait for a passport to arrive?
Replies: 13
Views: 1097

Re: How long to wait for a passport to arrive?

I had a similar experience with the passport not arriving. I called and they verified that it had been mailed. So, they sent a new one which did arrive. The original passport never arrived. The benefit of reporting in a timely fashion is that they flag the passport as missing/lost/stolen so that it...
by Jeepergeo
Sun Jun 13, 2021 12:06 pm
Forum: Personal Consumer Issues
Topic: Tire flat fixing for beginners
Replies: 153
Views: 7437

Re: Tire flat fixing for beginners

Teaching the skill is still valuable, as is having a roadside assistance plan like AAA. While AAA is good, I had a situation where they were over three hours out. Would you want your daughter on the side of the road for three hours? Or worse, accepting help from someone that might not be such a &quo...
by Jeepergeo
Sat Jun 05, 2021 9:32 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1305
Views: 63743

Re: Bird watchers – what birds are you seeing?

I really need to get the Black Niger Seed feeder up....we enjoy the Gold Fenches it seems to attract. Lately, there has been a beautiful pair of Coopers Hawks hanging about and that tends to put the other local birds on high alert. The other day, we saw the Coopers Hawk grab a rat...it was really in...
by Jeepergeo
Sat Jun 05, 2021 9:25 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1895
Views: 119371

Re: What are you listening to now

Normally at this time of day I'm listening to all sorts of birds chirping in the morning air. This morning however, there's perhaps a dozen crows circling around and making all sorts of racket. I suppose that sound will anger the late sleepers, but I sort of like it and can't help but wonder what th...
by Jeepergeo
Thu Jun 03, 2021 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Utility of additional nest egg after hitting your number?
Replies: 105
Views: 11384

Re: Utility of additional nest egg after hitting your number?

I have to make a work decision tomorrow when I meet my new boss. I think he is to propose a new role with more money for me, and I am going to tell him that I plan to retire this year or next year at the latest. At 56, I had one middle school classmate died of liver cancer 3 weeks ago, and a high s...
by Jeepergeo
Thu Jun 03, 2021 2:58 pm
Forum: Investing - Theory, News & General
Topic: I'm calling a bottom in real estate
Replies: 143
Views: 16174

Re: I'm calling a bottom in real estate

I completely agree with you. I wonder what is going to happen when an entire generation is completely priced out of home ownership though. Big invester groups are buying up SFRs by the thousands and then renting them. These investers have found this process less risky than developing raw land or do...
by Jeepergeo
Thu Jun 03, 2021 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme low cost living guide & advice
Replies: 56
Views: 8550

Re: Extreme low cost living guide & advice

Great suggestions.

Here is another one.

Eat in, not out. Watch a cooking show and then see if you can make the featured dish yourself at home.

Buy a freezer so you can stock up when things go on deep sale.
by Jeepergeo
Wed Jun 02, 2021 8:33 pm
Forum: Personal Investments
Topic: Should I transfer my Roth IRA from Edward Jones?
Replies: 303
Views: 15941

Re: Should I transfer my Roth IRA from Edward Jones?

So it look like I will have to pay $95 termination fee and another $40 closing fee with EJ. Is in-kind the quickest and cheapest route? The bad press here has already cost EJ more than your termination fees. I would never do business with a company that had termination fees. Spend the money and mov...
by Jeepergeo
Wed Jun 02, 2021 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: how long should I keep my tax records?
Replies: 35
Views: 3349

Re: how long should I keep my tax records?

There is zero reason to keep paper anything. I scan all the supporting documents in (this year NONE were on paper), and that's that. For the state return we mail in, I scan in the signature page, otherwise it's all password protected PDFs. Are any of those old digital copies on 5.25" or 3.5&qu...
by Jeepergeo
Wed Jun 02, 2021 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: My auto insurance is crazy high
Replies: 57
Views: 6970

Re: My auto insurance is crazy high

Shop around with several companies or chrck with a broker that reps for multiple companies. That will at least tell you if the current company is the problem ir it is your profile/history. Oh, and watch out for low ball, get you in the door quotes that increase after the policy goes to underwriting....
by Jeepergeo
Mon May 31, 2021 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on the Solar installation on the new home
Replies: 26
Views: 2079

Re: Need advice on the Solar installation on the new home

Go with the smallest allowable system the builder is required to install and pay cash. This will get the builder the check mark for CA's silly law compliance. If you really want solar and want it to be efficient and functional, plan on an after home purchase supplemental or replacement system from a...
by Jeepergeo
Sun May 30, 2021 1:10 am
Forum: Personal Consumer Issues
Topic: Summer Entertaining - easy eats?
Replies: 31
Views: 3078

Re: Summer Entertaining - easy eats?

Bacon Wrapped Dates

Bacon Wrapped Chicken Livers

Wine. Bring seversl bottles and glasses and run some tasting flights. Call the wine maker....they will suggest the tasting order.
by Jeepergeo
Sun May 30, 2021 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Don’t need a PUP? [personal umbrella policy]
Replies: 137
Views: 12280

Re: Don’t need a PUP? [personal umbrella policy]

Call me cheap, short-sighted, or whatever, but we don't have an umbrella policy and aren't interested in one. We have reasonably high coverage limits on our home and auto policies, and 100% of our portfolio other than our HSA is protected by federal or state law. Only a portion of our home equity i...
by Jeepergeo
Sat May 29, 2021 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on decision to return to CA (warmer climate, fewer allergies, remote work)
Replies: 57
Views: 5546

Re: Advice on decision to return to CA (warmer climate, fewer allergies, remote work)

Is there something bringing you to California besides weather/allergies? Would you consider Arizona, Nevada, New Mexico, etc? Editing to add preference to coast. But may have to give it up if costs do not permit it. Sacramento is hours to the coast. Temecula is maybe a couple hours to the coast. Ne...
by Jeepergeo
Wed May 26, 2021 4:51 pm
Forum: Personal Consumer Issues
Topic: Moving a full size refrigerator in a mini van
Replies: 14
Views: 1020

Re: Moving a full size refrigerator in a mini van

So if I lay it down which side is best and how long do I leave it standing up before I can plug it in? Is permanent damage likely? I have moved many in a pickup, but none in a minivan. I have never had a damaged cooling system as a result of the move. In each case, the refrigerator was allowed to s...
by Jeepergeo
Wed May 26, 2021 4:40 pm
Forum: Investing - Theory, News & General
Topic: Thieves stealing retirement funds - news article
Replies: 136
Views: 11517

Re: Thieves stealing retirement funds - news article

The morale of the story is when you get letters, phone calls, emails, texts, etc from a financial company that you deal with you should actually read it and don't assume its junk or SPAM. You don't need to respond to the email or text (as it might be fraudulent) but should check your account when n...
by Jeepergeo
Wed May 26, 2021 4:35 pm
Forum: Investing - Theory, News & General
Topic: Thieves stealing retirement funds - news article
Replies: 136
Views: 11517

Re: Thieves stealing retirement funds - news article

3) Keep your email and phone number up to date and check your email regularly, at least weekly, and look for emails from your bank or brokerage or any financial provider. If your brokerage sends you an email notification of a fraudulent transaction and you don't check your email for more than 30 da...
by Jeepergeo
Wed May 26, 2021 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Turn down promotion?
Replies: 50
Views: 5046

Re: Turn down promotion?

Saying "no" could easily put you into the "not a team player" category.

Perhaps if you build the right team and start the project with an effective combination of leadership and delegation, you can run the project and have your life.
by Jeepergeo
Sun May 23, 2021 2:45 pm
Forum: Personal Consumer Issues
Topic: New HVAC system impact on home value
Replies: 25
Views: 1851

Re: New HVAC system impact on home value

I plan to live in my home for the next 5 years and then move to a larger home after having kids. The HVAC system in our home (Central AC + Gas Furnace) is getting quite old and will need to be replaced in the next year or two. If I replace it this year I anticipate having it for about 5 years befor...
by Jeepergeo
Sun May 23, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: How do you justify family vacation costs?
Replies: 198
Views: 13213

Re: How do you justify family vacation costs?

I am very frugal, but I can’t imagine feeling like I needed to justify a $10k vacation at a place I loved with a HHI like you have. I would probably feel like I needed to justify the $70k car though, so I guess we all prioritize the things that matter to us. The car was also a hard decision for whi...
by Jeepergeo
Sun May 23, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: How do you justify family vacation costs?
Replies: 198
Views: 13213

Re: How do you justify family vacation costs?

I am very frugal, but I can’t imagine feeling like I needed to justify a $10k vacation at a place I loved with a HHI like you have. I would probably feel like I needed to justify the $70k car though, so I guess we all prioritize the things that matter to us. The car was also a hard decision for whi...
by Jeepergeo
Sat May 22, 2021 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Another job offer evaluation
Replies: 41
Views: 4383

Re: Another job offer evaluation

You have joined a game but don't know all of the rules. You need to be prepared to arrive at work on Monday and find your network access revoked and your security badge not working. HR might be there to greet you and hand over your box. Brutal? Yes. Real world? Yes. Ideally, you would have completed...
by Jeepergeo
Sat May 22, 2021 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Recent paranoia about old accounts, liability concerns?
Replies: 6
Views: 770

Re: Recent paranoia about old accounts, liability concerns?

Hmmmm....my gut feeling is that it would be best to formally close all that you can. In this day of identity theft, who knows what someone could do if they were to somehow get control of one of your old accounts. Your post has caused me to pause and think...I now need to look into closing a few dorm...
by Jeepergeo
Wed May 19, 2021 11:38 pm
Forum: Personal Consumer Issues
Topic: How to get out of a timeshare presentation?
Replies: 142
Views: 12511

Re: How to get out of a timeshare presentation?

We're heading to Mexico next week for a stay at a mega resort. Friends who recently went told us that while checking in, they lay on a very aggressive attempt to get you to attend a timeshare presentation in exchange for resort credits or excursions. This ploy significantly delays the check-in proc...
by Jeepergeo
Wed May 19, 2021 11:16 pm
Forum: Personal Consumer Issues
Topic: How to get out of a timeshare presentation?
Replies: 142
Views: 12511

Re: How to get out of a timeshare presentation?

We're heading to Mexico next week for a stay at a mega resort. Friends who recently went told us that while checking in, they lay on a very aggressive attempt to get you to attend a timeshare presentation in exchange for resort credits or excursions. This ploy significantly delays the check-in proc...
by Jeepergeo
Wed May 19, 2021 9:42 pm
Forum: Personal Consumer Issues
Topic: "Porting" cell phone number to new phone
Replies: 16
Views: 1006

Re: "Porting" cell phone number to new phone

Your company has aa assigned Verizon rep. Get your company cell phone coordinator to call the Verizon rep and conference you in. That Verizon rep has a significant ability to keep its client happy. My guess is the transfer call can be completed and everything moved in about 10 minutes. Then take you...
by Jeepergeo
Mon May 17, 2021 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation home frenzy?
Replies: 76
Views: 13138

Re: Vacation home frenzy?

Is it possible that we’re still in the early innings of this price rise? Of course it is possible. SF Bay Area had buying frenzy like this in 2010, and it is still going up 10 years later. If not, what bursts this bubble? In my view, it is a fundamental repricing that will not stop once offices reo...
by Jeepergeo
Sat May 15, 2021 2:24 pm
Forum: Personal Investments
Topic: Investing for an infant
Replies: 17
Views: 1224

Re: Investing for an infant

What type of account would be best for family members to contribute to for a new born? We could open a bank account but that’s just dead money. I would rather open a separate TD Ameritrade or something of that nature to put the money in an index fund to start some growth. Which “type” of account is...
by Jeepergeo
Sat May 15, 2021 2:06 pm
Forum: Personal Consumer Issues
Topic: Life events spent more than earned
Replies: 57
Views: 6052

Re: Life events spent more than earned

Besides house and car purchases and weddings, have you ever had months where ur cash flow was negative for a few months? Just had a baby and she is unbelievable, best time of my life so far unquestionably. Financially, We used to live on 20-30 percent of gross, now closer to 80-90 for the first mon...
by Jeepergeo
Sat May 15, 2021 2:02 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Suburu Forrester or other SUV
Replies: 93
Views: 8033

Re: Honda CRV or Suburu Forrester or other SUV

Check out the Consumer Reports review of each vehicle you are considering. The CR review will give you insight into things that don't show up during a test drive of a new car. The reviews are in the CR April issue.
by Jeepergeo
Fri May 14, 2021 12:39 pm
Forum: Personal Investments
Topic: Retirement withdrawal mechanics
Replies: 31
Views: 5910

Re: Retirement withdrawal mechanics

The Roths should only hold stock funds to maximize your future tax-free growth while tax-deferred should hold your bond funds, to slow down the growth there . Conceptually, I understand that last paragraph. I understand how that is good in a growing market. But doesn't that approach put the Roth mo...
by Jeepergeo
Fri May 14, 2021 12:33 pm
Forum: Personal Investments
Topic: Retirement withdrawal mechanics
Replies: 31
Views: 5910

Re: Retirement withdrawal mechanics

All accounts except cash are invested to my AA of 60:40 Stocks:Bonds. Holding the same 60:40 in every account is less than optimal. I'll take the other side of the argument. :happy I agree that holding 60:40 in every account is less than optimal financially . In a long term situation, all-stocks-in...
by Jeepergeo
Fri May 14, 2021 12:17 pm
Forum: Personal Investments
Topic: Retirement withdrawal mechanics
Replies: 31
Views: 5910

Re: Retirement withdrawal mechanics

All accounts except cash are invested to my AA of 60:40 Stocks:Bonds. Holding the same 60:40 in every account is less than optimal. Different accounts have different tax treatment, so the usual recommendation is to hold your desired asset allocation (60:40) on your total portfolio but use different...
by Jeepergeo
Fri May 14, 2021 12:14 pm
Forum: Personal Consumer Issues
Topic: Apple watch for 10 year old?
Replies: 85
Views: 6275

Re: Apple watch for 10 year old?

Clearly all kids are different, but mine has had a smartphone since he turned 10 (turns 14 in two months), and there have been no incidents other than one battery failure that was not his fault. He takes it with him everywhere he goes unless he is with us. Makes it easy to check in on him, or for h...
by Jeepergeo
Fri May 14, 2021 12:08 pm
Forum: Personal Consumer Issues
Topic: Apple watch for 10 year old?
Replies: 85
Views: 6275

Re: Apple watch for 10 year old?

Our kids are getting to the age where they are roaming the neighborhood more, need rides home, or just want to keep in touch. My oldest (12) has a cell phone, but that is even a challenge for him because he doesn't keep it on him all the time. We've done the Gizmo in the past and it's OK, but it's ...
by Jeepergeo
Sun May 09, 2021 10:18 pm
Forum: Personal Investments
Topic: Retirement withdrawal mechanics
Replies: 31
Views: 5910

Re: Retirement withdrawal mechanics

I will be doing Roth conversions up to the top of the 12 then 15% bracket early on. There currently is no 15% tax bracket, but I will pass on that for a moment. (You are probably thinking about 15% for LTCG when you are in the 22% tax bracket up to about $400K in Taxable Income.) Your comment about...
by Jeepergeo
Sun May 09, 2021 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Hired College Friend
Replies: 8
Views: 1119

Re: Hired College Friend

A grand a month does not encourage much employee loyalty. There is a good chance this is not going to work out. You need to be ready to lose a friend. Because he is a friend and employee, you need to give him clear milestones and metrics to measure and gauge progress over the next few months. Be cle...
by Jeepergeo
Sat May 08, 2021 10:13 am
Forum: Personal Finance (Not Investing)
Topic: California Homebuying Insanity
Replies: 243
Views: 22512

Re: California Homebuying Insanity

Some of the insane home buying in So Cal is being driven by corporate purchases. There are a few former home building investor companies that have found that building new homes is much riskier and less rewarding than owning and renting properties. One of my companies former home building clients wen...
by Jeepergeo
Sat May 08, 2021 9:43 am
Forum: Personal Consumer Issues
Topic: Do you still read the print newspaper?
Replies: 84
Views: 3415

Re: Do you still read the print newspaper?

If you still read from the print newspaper, please share why you enjoy doing this in 2021. I’m 45 and I’m torn between the world of growing up with the print newspaper and this current climate of news being available 24/7 on any variety of screens. Looking forward to reading your reasons. A cup of ...
by Jeepergeo
Sun May 02, 2021 9:17 pm
Forum: Personal Consumer Issues
Topic: Who will install non-OEM parts I bought for my car?
Replies: 51
Views: 3374

Re: Who will install non-OEM parts I bought for my car?

Thanks. Really, a body shop won't? Isn't that the kind of thing they do for collisions? Thanks for all the suggestions and help. It is a quagmire for the shop. If they get into the job and the parts don't fit, then who is responsible? You are. And you will likely need to pay for reassembly if the r...
by Jeepergeo
Sun May 02, 2021 8:31 pm
Forum: Personal Consumer Issues
Topic: Counter Top Water Filtering System
Replies: 13
Views: 1125

Re: Table Top Water Filtering System

Caution.... there are a lot of poor performing, non performing, and downright dangerous water "treatment" systems on the market today. If your water is coming from a public water district, get a copy of its water quality report. Most water districts are more than happy to discuss water qua...
by Jeepergeo
Sun May 02, 2021 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured Motorist Car Insurance - Is it Worth the Expense??
Replies: 52
Views: 4153

Re: Uninsured Motorist Car Insurance - Is it Worth the Expense??

One wonders why this problem is not addressed more correctly at the source. Uninsured motorist. If a state has required insurance and people don’t have it, what are the penalties? Most likely, nothing. A law that has no teeth. As long as we can and do pay uninsured motorist insurance there is no ne...
by Jeepergeo
Fri Apr 30, 2021 12:21 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads Guides - Books
Replies: 33
Views: 2264

Re: The Bogleheads Guides - Books

Tag this one to watch.
by Jeepergeo
Thu Apr 29, 2021 8:28 pm
Forum: Personal Consumer Issues
Topic: Home Carbonation
Replies: 45
Views: 3980

Re: Home Carbonation

I have been thinking about this because I drink a lot of seltzer. It seems the big selling point is not adding tons of plastic bottles to the environment. Anybody buy this argument, or do you think plastic bottles can be recycled efficiently (all mine go in the recycle bin)? Plastic bottles are not...
by Jeepergeo
Sun Apr 25, 2021 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: How do you stop moving your goalpost ?
Replies: 88
Views: 7934

Re: How do you stop moving your goalpost ?

Have you discussed retirement with your spouse? I'm currently mid 60's and retired late 50's. It felt right, the numbers looked ok, spouse supportive. Did not agonize. As some have mentioned, you can have a full enjoyable life while employed...work can be a positive. If you are in that situation do...
by Jeepergeo
Sun Apr 25, 2021 12:42 pm
Forum: Personal Consumer Issues
Topic: Is Mobil 1 extended performance full synthetic oil really good for 20k miles?
Replies: 74
Views: 5769

Re: Is Mobil 1 extended performance full synthetic oil really good for 20k miles?

I bought the oil because it was on sale. I have a 2012 Subaru Outback 3.6R at 110k miles. I usually drives 20k miles a year and about 80% of it is highway driving. I currently change my engine oil every 7500 miles with full synthetic oil. Can I really go 20k miles or one year without changing oil? ...