Search found 204 matches

by Jeepergeo
Mon Jul 26, 2021 1:58 pm
Forum: Personal Consumer Issues
Topic: Company does not offer full refunds
Replies: 35
Views: 2913

Re: Company does not offer full refunds

why not just do it the following weekend or something, kids will still have a good time. I work every other weekend. Maybe in 2 weeks, however this was already the rescheduled weekend from the first date. It's basically been raining all summer here 😢 :annoyed Jump in the summer rain! Some of the ju...
by Jeepergeo
Mon Jul 26, 2021 10:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard: Updating the 4% rule for early retirees
Replies: 128
Views: 15725

Re: Vanguard: Updating the 4% rule for early retirees

It would be interesting to see what their VCMM model would have predicted for 10-year periods after the 1926-1992 time period that was used for the 4% rule, such as 1992-2001 and 2002-2011 and 2012-2021. How would those forecasts matched up with what actually happened? That would give us a feeling ...
by Jeepergeo
Mon Jul 26, 2021 9:26 am
Forum: Personal Consumer Issues
Topic: Brass front door kickplate: paint or remove?
Replies: 20
Views: 1447

Re: Brass front door kickplate: paint or remove?

I never really saw the need for a kick plate on a residential door. My door is 30 years old and was painted once in that time. It has no kick plate, nor does the door's condition suggest that one is needed.

Do people really use their foot on the door, thus the name and purpose of that plate?
by Jeepergeo
Sat Jul 24, 2021 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is title insurance needed for new construction townhome in NJ purchased for cash (no mortgage)
Replies: 74
Views: 5073

Re: Is title insurance needed for new construction townhome in NJ purchased for cash (no mortgage)

I always buy title insurance *for myself* in addition to any I’m required to buy for the lending company. In your case, I would buy it. It will never lay out. That’s not the point. The fact that you can get a policy means that you won’t have problems. They will do a very thorough title search, and ...
by Jeepergeo
Wed Jul 21, 2021 6:17 pm
Forum: Personal Consumer Issues
Topic: Which Toys/Experiences Have Brought You The Most Joy?
Replies: 122
Views: 11779

Re: Which Toys/Experiences Have Brought You The Most Joy?

It's hard to pick the top trips, so here are a few ideas. Best solo vacations: Two weeks driving and camping the back roads of the Parashant Area of the Arizona Strip (North side of the Grand Canyon), and month hiking the John Muir Trail. Best trips with my DS: Two weeks hiking in the Sangre de Cris...
by Jeepergeo
Wed Jul 21, 2021 4:00 pm
Forum: Personal Consumer Issues
Topic: Toll roads while traveling northeast US: planning and paying
Replies: 59
Views: 3621

Re: Toll roads while traveling northeast US: planning and paying

I accidently drove through a toll booth on an offramp in either Missouri or Arkansas late one night...it has been over 25 years ago, so I don't recall the state or road precisely. By nature, I'm a law abider, and was concerned. So I parked on the shoulder and walked back to pay the toll, but it was ...
by Jeepergeo
Sun Jul 18, 2021 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Counteroffers [Employment]
Replies: 25
Views: 2292

Re: Counteroffers [Employment]

Had a friend who was unhappy with his pay and was getting nowhere trying to increase his pay at his current job. He then interviewed elsewhere got another job offer for a much higher pay . However through the grapevine he heard that this new place is extremely high stress and it was also a more sen...
by Jeepergeo
Sun Jul 18, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: Boat? Vacation home?
Replies: 63
Views: 5186

Re: Boat? Vacation home?

The saying, "The two best days of boat ownership are the day you buy it and the day you sell it" comes to mind. You might consider looking into boat rental options or a boat co-op. Those can cut the "boat chores" significantly so that the DH can enjoy the boat...less storing, pul...
by Jeepergeo
Fri Jul 16, 2021 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: About to have 1st grand daughter. Please advise
Replies: 30
Views: 3075

Re: About to have 1st grand daughter. Please advise

Forget the 529 plan.... college costs are a parental responsibility Grandparents, IMHO, should focus on taking the kids on trips, going to their school events, watching over them when their parents need the help, taking them hunting/camping/fishing, showing them how to sew or to use tools or how to ...
by Jeepergeo
Fri Jul 16, 2021 7:36 pm
Forum: Personal Consumer Issues
Topic: Best car tires to buy and best place to buy them?
Replies: 54
Views: 5552

Re: Best car tires to buy and best place to buy them?

America's Tire Company. They take appointments fir installation, future rotations, future repairs, sbd they price match. Costco was always a headache. On two vehicles I had bought new, they would not sell me tires that they said were not soec for my vehicle (not on their list). In both cases, they w...
by Jeepergeo
Tue Jul 13, 2021 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Counteroffers [Employment]
Replies: 25
Views: 2292

Re: Counteroffers [Employment]

Had a friend who was unhappy with his pay and was getting nowhere trying to increase his pay at his current job. He then interviewed elsewhere got another job offer for a much higher pay. However through the grapevine he heard that this new place is extremely high stress and it was also a more seni...
by Jeepergeo
Mon Jul 12, 2021 12:18 pm
Forum: Personal Consumer Issues
Topic: Are Heat Pump service contracts worth the money?
Replies: 12
Views: 1103

Re: Are Heat Pump service contracts worth the money?

I'm in inland Southern California. It gets hot here, really hot, with temperatures reaching 105F regularly and sometimes 110F. I have the AC maintenence contract. It gets my coils cleaned and oressures checked twuce a year AND it gets priority service should thete be a problem. That may not seem imp...
by Jeepergeo
Sun Jul 11, 2021 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Traffic violation in CA
Replies: 74
Views: 6444

Re: Traffic violation in CA

Hi, I recently got a minor traffic violation. I did not stop at red light while making right turn. I was supposed to stop like for a stop sign, and then turn right. This is captured on camera - both photo & video. I read on Internet that this involves $500 fine and 1 point on driving record. It...
by Jeepergeo
Sat Jul 10, 2021 12:15 pm
Forum: Personal Consumer Issues
Topic: Ideas for DW's 40th Birthday
Replies: 34
Views: 3424

Re: Ideas for DW's 40th Birthday

Since you are from California, consider a pack trip into the Sierras. You can contract a packing company out of Reds Meadows and they will take care of everything, including providing the food, the cook, a wrangler, a guide, and all the gear except personal gear. To you will ride horses into some of...
by Jeepergeo
Sat Jul 10, 2021 11:47 am
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 197
Views: 32920

Re: Should you tip when picking up takeout food?

I am interested in opinions about whether or not to tip when picking up takeout food from a restaurant. I am referring mainly to restaurants that offer table waited service. Do you leave a tip when picking up takeout food? Do you believe this is expected? I consider myself a good tipper when served...
by Jeepergeo
Wed Jul 07, 2021 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your retirement plans with others?
Replies: 65
Views: 6380

Re: Do you share your retirement plans with others?

I have not told my employer. It will take my employer some succession planning to replace me, but I'm also concerned that they'll figure why bonus me the last year (or even earlier) if I'm not sticking around. Haven't figured out how to thread that needle yet. ^^^^This. I regret that I did the righ...
by Jeepergeo
Tue Jul 06, 2021 9:53 pm
Forum: Investing - Theory, News & General
Topic: Retirees: How you doin’?
Replies: 77
Views: 10163

Re: Retirees: How you doin’?

Retired just four months at age 66. I'm very lucky to have a nice pension (which the company no longer offers to new hires) and I decided to take soc sec at 66 and 2 months. I figured it every which way and it was definitely the right decision for me. YMMV. I'm still figuring out how to pay quarter...
by Jeepergeo
Sun Jul 04, 2021 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best financial decision ever made
Replies: 81
Views: 8285

Re: Best financial decision ever made

Listening to my grandpa about saving and putting money where it will be working for you (gaining interest) while you are asleep. To him, that was CDs in their heyday... I've continued to save but have adjusted to different investments in these dull days if CDs. My bride brought significant debt to o...
by Jeepergeo
Sun Jul 04, 2021 2:11 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1379
Views: 70564

Re: Bird watchers – what birds are you seeing?

Lots of Gold Finches on the niger seed feeder. A couple of rambunctious Blue Jays, some local crows, and a beautiful Coopers Hawk that has been hanging around and bathing in our fountain. A couple of weeks ago, we watched the Coopers Hawk stalk and hit a fence rat and then fly off with it.
by Jeepergeo
Sun Jul 04, 2021 1:47 pm
Forum: Personal Investments
Topic: Counting EF as part of asset allocation?
Replies: 33
Views: 2379

Re: Counting EF as part of asset allocation?

I think of my EF when setting my AA, so for all practical purposes, the EF is part of my AA. I try to keep my AA steady, so it gets far fewer changes due to rebalancing than the stocks and bonds. This works for me. YMMV. A) Until the stock market drops 50%. B) Do you sell your EF to buy the stock o...
by Jeepergeo
Sun Jul 04, 2021 1:11 pm
Forum: Personal Consumer Issues
Topic: How to secure house immediately after burglary
Replies: 22
Views: 2692

Re: How to secure house immediately after burglary

A burglary will likely result in more than loss of items...there will be damage to windows or doors, and the inside of the place will likely be thrashed, so you could easily get beyond your deductible. These days, some will find that the hoodlums have plugged drains and left water running, urinated/...
by Jeepergeo
Sun Jul 04, 2021 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need disability and life insurance
Replies: 10
Views: 823

Re: Need disability and life insurance

I suggest the supplemental life insurance be separate from your DH's employer....that way it is totally portable should he decide to leave or the company makes other choices. Disability is important too as you have already recognized. Disability can be very costly and can bankrupt a family. Seek out...
by Jeepergeo
Sat Jul 03, 2021 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: What is your only money regret?
Replies: 166
Views: 16389

Re: What is your only money regret?

Being too cash conservative and not putting more or most of that cash into the market when I was younger.
by Jeepergeo
Sat Jul 03, 2021 11:54 am
Forum: Personal Investments
Topic: Counting EF as part of asset allocation?
Replies: 33
Views: 2379

Re: Counting EF as part of asset allocation?

I think of my EF when setting my AA, so for all practical purposes, the EF is part of my AA. I try to keep my AA steady, so it gets far fewer changes due to rebalancing than the stocks and bonds. This works for me. YMMV. A) Until the stock market drops 50%. B) Do you sell your EF to buy the stock o...
by Jeepergeo
Fri Jul 02, 2021 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer question
Replies: 9
Views: 1298

Re: Job offer question

How comfortable and tolerant are you of bureaucracy and working within a bureaucratic organization where seeking excellence can actually hamper one's career? While your private sector experience should be helpful, you need to be prepared to possibly report to someone that has been promoted based on ...
by Jeepergeo
Fri Jul 02, 2021 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Burned out in the last few miles of the journey.... Any hope?
Replies: 90
Views: 10207

Re: Burned out in the last few miles of the journey.... Any hope?

OP...you are like me 17 years ago. For at least 3-4 years, I struggled with burnout in a high pressure workplace (some of that pressure I now know was self induced, say 40%). When management and I had our final falling out after 15 years of employment, I cashed out vacation and took severence, bough...
by Jeepergeo
Fri Jul 02, 2021 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: My dilemma... What would you do?
Replies: 150
Views: 11387

Re: My dilemma... What would you do?

Consider giving the company the silent treatment. Say nothing and let them come back. Then sort of say that you thought they were not serious, asking you to commute 3 hours a day for the next 5 years for what they pay you now!! Then.... If they up the salary via an offer, take the job for awhile and...
by Jeepergeo
Wed Jun 30, 2021 3:26 pm
Forum: Personal Investments
Topic: Counting EF as part of asset allocation?
Replies: 33
Views: 2379

Re: Counting EF as part of asset allocation?

I think of my EF when setting my AA, so for all practical purposes, the EF is part of my AA.

I try to keep my AA steady, so it gets far fewer changes due to rebalancing than the stocks and bonds.

This works for me. YMMV.
by Jeepergeo
Wed Jun 30, 2021 3:12 pm
Forum: Personal Investments
Topic: Best government pension plan in the U.S.?
Replies: 77
Views: 10427

Re: Best government pension plan in the U.S.?

Ever have a look at FDNY and California fire fighter pension ? Have you? Post it up if you know the details. That said, not many want to run into burning buildings with all the equipment on their back. It takes a real physical toll. To the contrary, FDs in those states get hundreds of applications ...
by Jeepergeo
Tue Jun 29, 2021 3:36 pm
Forum: Investing - Theory, News & General
Topic: Anyone go into retirement 100% invested in stocks?
Replies: 104
Views: 11907

Re: Anyone go into retirement 100% invested in stocks?

260chrisb wrote: Fri Dec 18, 2020 8:18 am I'm retiring in 15 months and already have my first three years protected. So, if it were then the answer would be no.
Isn't that sort of a 90/10 AA?
by Jeepergeo
Mon Jun 28, 2021 1:52 pm
Forum: Personal Consumer Issues
Topic: shower mold on white tile/ caulk / fiberglass - what gets rid of it?
Replies: 31
Views: 2489

Re: shower mold on white tile/ caulk / fiberglass - what gets rid of it?

Spray it down with undiluted laundry bleach (~5% solution) before you take a shower. Let it work about a half hour, then get in and rinse it down. Watch out, it will be slippery and may be hard on sensitive feet. If so, rinse it down begore getting in. Oh, and run the exhaust fan as it will stink un...
by Jeepergeo
Mon Jun 28, 2021 1:46 pm
Forum: Personal Consumer Issues
Topic: yard care
Replies: 41
Views: 2288

Re: yard care

If you are having to use a lot of chemicals and supplemental water, your landscaping is not sustainable. For years, I worked hard to keep a green, well trimmed lawn. Then it dawned on me. I was spending more time on that lawn taking care of it than the family and I were spending enjoying it. Then th...
by Jeepergeo
Mon Jun 28, 2021 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5419
Views: 1019327

Re: What's Your Credit Card Rewards Strategy?

To recap, credit card fees (Surcharges) up to 4% are now allowed [/color]by all major credit card networks and are now allowed in most states. The surcharge must be signed at point of sale AND itemized on receipts. New York recently began allowing credit card surcharges after the courts there struc...
by Jeepergeo
Mon Jun 28, 2021 11:09 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5419
Views: 1019327

Re: What's Your Credit Card Rewards Strategy?

To recap, credit card fees (Surcharges) up to 4% are now allowed [/color]by all major credit card networks and are now allowed in most states. The surcharge must be signed at point of sale AND itemized on receipts. New York recently began allowing credit card surcharges after the courts there struc...
by Jeepergeo
Mon Jun 28, 2021 11:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5419
Views: 1019327

Re: What's Your Credit Card Rewards Strategy?

Just came back from a New England vacation. There were quite a few restaurants and shops no longer accepting credit cards - only cash. Some are even charging the customer 4% additional fees if using a credit card. Report them to your credit card carrier. Most likely, their practice is contrary to t...
by Jeepergeo
Sun Jun 27, 2021 6:40 pm
Forum: Investing - Theory, News & General
Topic: You ever have an investment actually go to zero?
Replies: 126
Views: 8761

Re: You ever have an investment actually go to zero?

Unfortunately, I have. Our small suburb's local bank was bought by a regional institution. Several local community leaders decided we needed a local bank, and started down the road to form one. My DW and I bought in with $10K, a lot for us but well under what several others put in. The founding stoc...
by Jeepergeo
Sat Jun 26, 2021 10:43 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5419
Views: 1019327

Re: What's Your Credit Card Rewards Strategy?

Just came back from a New England vacation. There were quite a few restaurants and shops no longer accepting credit cards - only cash. Some are even charging the customer 4% additional fees if using a credit card. Report them to your credit card carrier. Most likely, their practice is contrary to t...
by Jeepergeo
Sat Jun 26, 2021 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5419
Views: 1019327

Re: What's Your Credit Card Rewards Strategy?

Just came back from a New England vacation. There were quite a few restaurants and shops no longer accepting credit cards - only cash. Some are even charging the customer 4% additional fees if using a credit card. Report them to your credit card carrier. Most likely, their practice is contrary to t...
by Jeepergeo
Fri Jun 25, 2021 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5419
Views: 1019327

Re: What's Your Credit Card Rewards Strategy?

Just came back from a New England vacation. There were quite a few restaurants and shops no longer accepting credit cards - only cash. Some are even charging the customer 4% additional fees if using a credit card. Report them to your credit card carrier. Most likely, their practice is contrary to t...
by Jeepergeo
Fri Jun 25, 2021 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: car got rear ended , claims adjuster will not co-operate
Replies: 68
Views: 6077

Re: car got rear ended , claims adjuster will not co-operate

my 2014 mercedes c-class got rear ended with damages/repair work amounting to 7.5k , the insurance is young america / fred loya insurance . I have made a claim for car damges and they have created a claim number . I am trying to get in touch with this company claims department which is hard to get ...
by Jeepergeo
Fri Jun 25, 2021 12:45 pm
Forum: Personal Investments
Topic: Get Rid of All Bond Funds?
Replies: 73
Views: 9089

Re: Get Rid of All Bond Funds?

I've been reading about how bonds are most likely going to be underperforming/losing value over the next 10 years due to inflation. I'm wondering if I should get rid of all (or some) of the bond funds from my portfolio. I have Vanguard Total US Bond Fund (BND) and Pimco 15+ Year Treasury Fund (LTPZ...
by Jeepergeo
Tue Jun 22, 2021 7:00 pm
Forum: Investing - Theory, News & General
Topic: What pitfalls do even smart people make when buying a home?
Replies: 211
Views: 20386

Re: What pitfalls do even smart people make when buying a home?

Amongst the other good items listed, here is another.... Not taking the time to understand the local storm drainage patterns and drainage system (runoff and flood control) and sewerage (municipal sewer system, septic tank, lagoon). Problems in those areas are difficult and expensive to correct, so f...
by Jeepergeo
Sat Jun 19, 2021 11:05 am
Forum: Personal Consumer Issues
Topic: Office Desk
Replies: 13
Views: 1401

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: 97
Views: 5770

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: 127
Views: 14670

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: 2438

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: 28
Views: 3224

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: 159
Views: 8917

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: 1379
Views: 70564

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: 2008
Views: 138427

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...