Search found 101 matches

by Jeepergeo
Thu Apr 08, 2021 8:54 pm
Forum: Investing - Theory, News & General
Topic: How much do you spend annually in retirement?
Replies: 112
Views: 10319

Re: How much do you spend annually in retirement?

OP, where do you live and what do you plan to do when retired? My property taxes are at least $5k and home insurance is $1k and auto insurance is $1750, COBRA is $12K per year.... and so on. The tree trimmers just yesterday hit me up for $800. While YMMV, $50k won't work in my mid to lower cost area...
by Jeepergeo
Thu Apr 08, 2021 8:23 pm
Forum: Personal Consumer Issues
Topic: Replacing 20yrs old wooden fence and situation with neighbors
Replies: 37
Views: 4507

Re: Replacing 20yrs old wooden fence and situation with neighbors

Join up with the neighbor that wants to split the cost. Even if it is a couple of years early, it will save you money and keep things neighborly. For the other side, just wait it out or cover your side with the taller face boards. Waiting it out would be easiest. It is not worth starting a feud with...
by Jeepergeo
Thu Apr 08, 2021 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a paycut for a more stable state job (CA)?
Replies: 75
Views: 4592

Re: Taking a paycut for a more stable state job (CA)?

The Tech Sector in California has pulled most capable individuals into the private sector where hard work, innovation, and efficiency are rewarded, and this has been going on for years now. What this means is that those less capable in Tech have gone to the public sector, and this too has gone on f...
by Jeepergeo
Thu Apr 08, 2021 7:55 pm
Forum: Personal Investments
Topic: What is a good asset allocation for us?
Replies: 17
Views: 1508

Re: What is a good asset allocation for us?

The discussion of AA needs a parallel discussion of estimated expenses and withdrawl rate to fund those expenses.
by Jeepergeo
Thu Apr 08, 2021 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Staying at a company after giving notice? (counter-offer)
Replies: 58
Views: 5767

Re: Staying at a company after giving notice? (counter-offer)

To answer a few questions -- I don't think the current employer would have any hard feelings. I mean a few people are trying to get me to stay. It's a smaller company, about 300 people. I think primarily they don't want to be left in a lurch and think I bring value to the table. Although the compan...
by Jeepergeo
Thu Apr 08, 2021 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a paycut for a more stable state job (CA)?
Replies: 75
Views: 4592

Re: Taking a paycut for a more stable state job (CA)?

The Tech Sector in California has pulled most capable individuals into the private sector where hard work, innovation, and efficiency are rewarded, and this has been going on for years now. What this means is that those less capable in Tech have gone to the public sector, and this too has gone on fo...
by Jeepergeo
Wed Apr 07, 2021 12:18 am
Forum: Personal Consumer Issues
Topic: Family car
Replies: 86
Views: 6563

Re: Family car

I’m looking to buy a family car to transport 5 people including two kids in car seats. My top contenders are Kia Telluride/ Hyundai Palisade. It’s killing me that I’m not only buying a gas guzzler, but about to drop $45k on it. I really thought my next car would be an electric car, but there aren’t...
by Jeepergeo
Tue Apr 06, 2021 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Staying at a company after giving notice? (counter-offer)
Replies: 58
Views: 5767

Re: Staying at a company after giving notice? (counter-offer)

$78K and $81K are too close to say you are being under paid. If it were, one could then argue the $81K is under paid compared to the $90K. What are the non salary metrics? Vacation, health benefits, 401k contribution/matching/phase in, bonus, commute distance, travel, etc.? Look hard at these benefi...
by Jeepergeo
Tue Apr 06, 2021 11:24 pm
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3068

Re: Should I replace 2 or 4 tires?

Replace all four and keep the two 5/32 as full size spares. I went through this exact thing last month at Costco. Two were almost bald and two were near new. I drive an AWD vehicle and haven't been able to replace a solo tire ever. Also I guessed I missed a rotation and they refused to rotate them,...
by Jeepergeo
Tue Apr 06, 2021 11:22 pm
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3068

Re: Should I replace 2 or 4 tires?

Replace all four and keep the two 5/32 as full size spares. I went through this exact thing last month at Costco. Two were almost bald and two were near new. I drive an AWD vehicle and haven't been able to replace a solo tire ever. Also I guessed I missed a rotation and they refused to rotate them,...
by Jeepergeo
Mon Apr 05, 2021 6:32 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace 2003 Toyota Corolla
Replies: 67
Views: 5533

Re: Repair or Replace 2003 Toyota Corolla

Well, if you buy a new-to-you used car, it too will come with a history that could be good or bad. You know the history of your car. At 136,000 miles, that car is still a teenager and has more miles left in it...300K miles is not unusual for a well cared for Corolla. Are those action items from the ...
by Jeepergeo
Mon Apr 05, 2021 5:57 pm
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5083

Re: Best nonstick pans?

Well seasoned cast iron is the safe and performance way to go. Performance is relative to how you season the pan, maintain the pan, and use the pan....all being very easy IF you can throw out the bad habits learned from cooking in Teflon. Cast iron made in the USA is as safe as it gets. Lodge makes ...
by Jeepergeo
Sun Apr 04, 2021 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Jobhunting after Covid-19 quit
Replies: 35
Views: 4421

Re: Jobhunting after Covid-19 quit

Honestly, I think preemptively addressing the work gap in a cover letter draws unnecessary attention to the gap. That’s just what I think. Others may differ. In a cover letter, AC should focus on why they are a great fit for the job. Good luck to AC. ^^^That pretty much sums it up. The cover letter...
by Jeepergeo
Thu Apr 01, 2021 3:04 pm
Forum: Personal Consumer Issues
Topic: Resole hiking boots?
Replies: 40
Views: 2027

Re: Resole hiking boots?

Carry Gorilla brand Duct Tape to wrap those flappy soles!
by Jeepergeo
Fri Mar 26, 2021 3:26 pm
Forum: Personal Consumer Issues
Topic: Selling a Rolex
Replies: 24
Views: 2549

Re: Selling a Rolex

That is a nice watch and it should sell. If all of its complications still function (run it for a week or two to test it) and still keeps giid time, then I would not spend the money on a service because a Rolex service from an approved repair facility could easily run a grand....and after spending t...
by Jeepergeo
Thu Mar 25, 2021 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is an Emergency Fund Really needed in our case?
Replies: 60
Views: 5524

Re: Is an Emergency Fund Really needed in our case?

COVID has taught us clearly that many kids, especially those from middle income families and above, and even reaching into low middle income families, can do exceptionally well via distance learning and that private schools can fulfill that need efficiently. Further, as public schools struggle with...
by Jeepergeo
Thu Mar 25, 2021 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is an Emergency Fund Really needed in our case?
Replies: 60
Views: 5524

Re: Is an Emergency Fund Really needed in our case?

COVID has taught us clearly that many kids, especially those from middle income families and above, and even reaching into low middle income families, can do exceptionally well via distance learning and that private schools can fulfill that need efficiently. Further, as public schools struggle with...
by Jeepergeo
Thu Mar 25, 2021 7:55 pm
Forum: Personal Investments
Topic: percentage for 3 fund portfolio
Replies: 11
Views: 973

Re: percentage for 3 fund portfolio

Just want to check (as I am provided advice to someone), a 65 year old sibling is putting 200K in a non retirement account. Assume no other retirement saving except a small pension, live in a low cost of living area. No debt,taking SS. Sibling does not plan to use money - no income stream needed. 5...
by Jeepergeo
Thu Mar 25, 2021 7:26 pm
Forum: Personal Investments
Topic: Why not one index fund instead of three?
Replies: 20
Views: 2771

Re: Why not one index fund instead of three?

Is there a particular advantage to having the suggested 3 index funds versus a target date fund that uses the same index fund within one fund? Perhaps greater ability for precision with allocation? Ability to tax loss harvest individual funds Ability to adjust International equity allocation Abilit...
by Jeepergeo
Sat Mar 20, 2021 6:21 pm
Forum: Personal Consumer Issues
Topic: Baby, Wife & Car
Replies: 44
Views: 3240

Re: Baby, Wife & Car

For safety sake, consider the safety differences between a car and a SUV. The SUVs are in general not as safe as cars as the be standards for SUVs are not as stringrnty as they are for passenger cars. If you mean true SUVs (trucks, or body-on-frame vehicles), then I agree. But most crossovers are u...
by Jeepergeo
Sat Mar 20, 2021 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is an Emergency Fund Really needed in our case?
Replies: 60
Views: 5524

Re: Is an Emergency Fund Really needed in our case?

COVID has taught us clearly that many kids, especially those from middle income families and above, and even reaching into low middle income families, can do exceptionally well via distance learning and that private schools can fulfill that need efficiently. Further, as public schools struggle with ...
by Jeepergeo
Sat Mar 20, 2021 4:32 pm
Forum: Personal Consumer Issues
Topic: New grill: gas vs. pellet
Replies: 50
Views: 4010

Re: New grill: gas vs. pellet

I discarded my ancient gas grill over the winter (a Weber), and will be getting a new one this year. My thought is to get another Weber gas grill, but suddenly I've been hearing a lot about pellet grills. Experiences? I am generally cooking for three people, sometimes five. A pellet grill does not ...
by Jeepergeo
Sat Mar 20, 2021 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a new job and unsure which health plan to pick. First time doing this. Any suggestions?
Replies: 30
Views: 1483

Re: Starting a new job and unsure which health plan to pick. First time doing this. Any suggestions?

You need a self assessment first. How healthy are you now? How often have you needed to go to the doctor or hospital in the last five years? Do you take part in injury prone sports like mountain biking, snow boarding, etc? Are you now pregnant or is there a chance you could become pregnant during th...
by Jeepergeo
Thu Mar 18, 2021 9:29 pm
Forum: Personal Consumer Issues
Topic: PV solar economics year two - San Diego area
Replies: 30
Views: 1762

Re: PV solar economics year two - San Diego area

For those thinking about installing a PV solar system I thought it would be useful to review the economics of my system in year two of operation. I installed a 2.94 KW rooftop system about 2 years ago. The net cost after the federal tax credit (30% in 2019) was $6,546. In the past year the system g...
by Jeepergeo
Thu Mar 18, 2021 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Asking HR for a raise
Replies: 52
Views: 4935

Re: Asking HR for a raise

I suggest you re-evaluate the company you work for. A good company will create a competitive work place in terms of pay, benefits, environment, and assignments. If things are out if whack by more than say 5 or 10% and you don't see corrections coming, you need to start lining up something else. Thin...
by Jeepergeo
Thu Mar 18, 2021 8:47 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 240
Views: 23010

Re: What is the BEST thing you spent money on?

Attending a Philmont trek with my son. Philmont is a BSA High Adventure Camp in New Mexico. It was an amazing trip and experience.
by Jeepergeo
Thu Mar 18, 2021 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do with an auto accident where my vehicle was struck
Replies: 31
Views: 2559

Re: Not sure what to do with an auto accident where my vehicle was struck

The driver of the other vehicle was backing up trying to get out of a right turn only lane and backed into my vehicle. He didn't want me to go through insurance saying he would pay for it all. When I spoke with the body shop and my own insurance agent, they both recommended I contact the insurance ...
by Jeepergeo
Mon Mar 15, 2021 1:40 am
Forum: Personal Consumer Issues
Topic: Baby, Wife & Car
Replies: 44
Views: 3240

Re: Baby, Wife & Car

For safety sake, consider the safety differences between a car and a SUV. The SUVs are in general not as safe as cars as the be standards for SUVs are not as stringrnty as they are for passenger cars.
by Jeepergeo
Sun Mar 14, 2021 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Advice requested: former employer requesting payment for benefits error
Replies: 10
Views: 1403

Re: Advice requested: former employer requesting payment for benefits error

If the error were the other way around, then how quickly would the company act to make you whole? I suggest acting at the same speed. It could be that what appears to extra money in your check was a pay raise or a bonus. Of course if it turns out to truly be an accounting error, you will want to eve...
by Jeepergeo
Sun Mar 14, 2021 1:03 pm
Forum: Personal Investments
Topic: Should I Drastically Reduce Pre-Tax Retirement Contributions
Replies: 45
Views: 4226

Re: Should I Drastically Reduce Pre-Tax Retirement Contributions

Some Soul searching and reality checking is needed. First, is management's finger pointing new and a sign of a change in corporate culture whereby the finger pointing is the new motivational technique that applies to everyone in similar positions and levels of responsibility and compensation? Or are...
by Jeepergeo
Sun Mar 14, 2021 12:09 pm
Forum: Personal Investments
Topic: Help with Asset Allocation
Replies: 21
Views: 1424

Re: Help with Asset Allocation

Thank you so much everyone. We only have a total of about $130K saved so far in our retirement funds (outside of my pension) so I am trying to balance our need to take risk with the fact that like Enjoy11 pointed out my husband is a tradesman and injuries and wear and tear on the body are reality. ...
by Jeepergeo
Sat Mar 13, 2021 11:51 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5072
Views: 1323226

Re: What Book Are You Currently Reading? Part VI

Dark Sky by CJ Box. It's the latest in the Joe Pickett series. The series is a great read when you just want to escape.
by Jeepergeo
Sun Mar 07, 2021 6:57 pm
Forum: Personal Consumer Issues
Topic: Using OBD2 scanner to evaluate used car buying
Replies: 102
Views: 4750

Re: Using OBD2 scanner to evaluate used car buying

This is not something a "noob" should take on. A noob would have no idea how to interpret any codes nor likely know how to use the scanner. I would never allow someone off the street to plug into a vehicle I was selling. I'm not sure I understand. The cheap obd2 readers seem to be targete...
by Jeepergeo
Sun Mar 07, 2021 6:40 pm
Forum: Personal Consumer Issues
Topic: Cast iron cooking tips
Replies: 59
Views: 4426

Re: Cast iron cooking tips

Check out the Kent Rollins YouTube videos. He answers just about every cast iron cookware question there is and he is a hoot to watch. IMHO, the "factory" seasoning is not enough. Put your skillet in an oven at 400°F and preheat for 15 minutes once it comes to temperature. Next, remove the...
by Jeepergeo
Sun Mar 07, 2021 1:38 pm
Forum: Personal Consumer Issues
Topic: I need a trickle car battery charger for garage queen...
Replies: 84
Views: 5110

Re: I need a trickle car battery charger for garage queen...

Battery Tender. You can buy one and plug it in and connect it under the hood each time you park for the month, or better, get the mechanic to run wires to the battery that match up with the Battery Tender....that will make for a simple plug in each time you park.
by Jeepergeo
Sun Mar 07, 2021 1:33 pm
Forum: Personal Consumer Issues
Topic: Using OBD2 scanner to evaluate used car buying
Replies: 102
Views: 4750

Re: Using OBD2 scanner to evaluate used car buying

I'm looking to buy a used 2017 (or newer) Toyota Sienna. Based on YouTube videos, I bought a OBD2 BLE scanner to use with my Android phone. OBD Fusion seemed like a recommended app ($5 on play store) to use by the OBD2 scanner manufacturer (Veepeak) . I'm a noob at this, I was wondering if someone ...
by Jeepergeo
Sun Mar 07, 2021 1:14 pm
Forum: Personal Consumer Issues
Topic: Cosmetic / Plastic surgery - advice please
Replies: 28
Views: 4421

Re: Cosmetic / Plastic surgery - advice please

Remember, the surgeons have a "practice" where they "practice" on clients, in this case, patients. The more one practices, typically, the better they get and the better they get the more they can demand to practice on future clients. That translates to any practitioner most folks...
by Jeepergeo
Sun Mar 07, 2021 12:59 pm
Forum: Personal Consumer Issues
Topic: Consumer Math Question
Replies: 32
Views: 2109

Re: Consumer Math Question

My daughter jumped on an online offer from a local spa. The offer was buy one gift certificate, get an additional certificate for 50% off. So, she sent them $300. We expected that to mean she would get one certificate for $300 and a "free" certificate for $150. Except - when she sent them...
by Jeepergeo
Sat Mar 06, 2021 5:08 pm
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 163
Views: 11683

Re: USPS is incredibly fast!

The USPS seems to have trouble delivering service that even matches it rates. Low rates and even crummier services, despite the crutches of a monopoly on your mail box. If it is important or valuable, I use a service other than USPS, and of course digital services like bill pay and email take care i...
by Jeepergeo
Fri Mar 05, 2021 10:27 pm
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 125
Views: 9603

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

There is much better coffee out there than $tarbucks over hyped coffee. Consider Black Rifle Coffee Company or Invader Coffee. BRCC's BB coffee is my favorite. They also have one called CAF that is high on the caffine scale. For brewing, look into an American Press. It is similar to a French Press b...
by Jeepergeo
Wed Mar 03, 2021 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Dentist billing in advance
Replies: 84
Views: 6528

Re: Dentist billing in advance

This is a very interesting situation. I have been going to a dental practice for about 25 years and have been very satisfied with it. The owner, an older man, sold out to a younger woman. He still works there. I now see yet a different woman there who prefer. That's irreverent. . I am very happy wi...
by Jeepergeo
Sun Feb 28, 2021 5:20 pm
Forum: Personal Consumer Issues
Topic: USPS tracking info never updates
Replies: 35
Views: 2333

Re: USPS tracking info never updates

USPS tracking is about as useful as a submarine with a screen door. I will no longer do business with companies that ship via USPS or via a shipper that uses USPS for final delivery. We have had packages scanned in at the local post office and then sit there for days or a week before they make it th...
by Jeepergeo
Sun Feb 28, 2021 5:08 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on 5% SWR
Replies: 205
Views: 13162

Re: Thoughts on 5% SWR

Missing key information. Is 4.5 or 5% pretty safe for a 70-year-old? Sure. For a 35-year-old? Not so much. Or check out VPW: https://www.bogleheads.org/wiki/Variable_percentage_withdrawal I'm clearly no expert, but I have done a lot of research, and the Boglehead's VPW approach makes a lot more sen...
by Jeepergeo
Sat Feb 27, 2021 6:16 pm
Forum: Personal Consumer Issues
Topic: Solar...what am I missing?
Replies: 109
Views: 8217

Re: Solar...what am I missing?

I suppose panels on the front of the house could impact resale value, but that is 20+ years from now and in the meantime is likely to $40 to $50k over 20 years in todays' dollars. The life of solar panels these days is only about 25 years so by the time you are getting ready to sell your house, you...
by Jeepergeo
Fri Feb 26, 2021 11:24 pm
Forum: Personal Consumer Issues
Topic: At what point will Amazon ban someone?
Replies: 37
Views: 4816

Re: At what point will Amazon ban someone?

Anyway, it is interesting to think on Amazon's place in every day life nowadays, such that being banned from doing business with one company has such an impact on one's life... When someone is "banned," are they banned from shopping on Amazon or simply banned from free returns? Banned fro...
by Jeepergeo
Fri Feb 26, 2021 10:50 pm
Forum: Personal Consumer Issues
Topic: Trip Insurance? Risk Tolerance?
Replies: 26
Views: 1461

Re: Trip Insurance? Risk Tolerance?

Consider the insurance that will evac you back to the US in the case of a medical emergency or other listed situation. There is not a single hospital in Mexico where I would want to be treated for anything more complex than a cold. If you are sick or injured enough to require hospitalization, you wi...
by Jeepergeo
Thu Feb 25, 2021 12:02 am
Forum: Personal Consumer Issues
Topic: A gift for DW
Replies: 58
Views: 4225

Re: A gift for DW

A high end model Sleep Number adjustable bed with adjustments for firmness, foot elevation and head elevation. If in a cold or hot area, consider adding the temperature control matt. The Sleep Number smart beds will help bith if you sleep better and that slero with #2 coming will be important. No, I...
by Jeepergeo
Wed Feb 24, 2021 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a break in employment?
Replies: 22
Views: 1868

Re: Can I afford a break in employment?

Given the world situation, I suggest you consider holding off until more people have the COVID vaccination and the infection rate drops. A more stable world will mean a more stable break for you. In the meantime, develop your exit and reentry strategies as well as a plan of what you plan to do while...
by Jeepergeo
Sun Feb 21, 2021 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 221
Views: 25796

Re: Disturbing experience with Ally Bank

Out of curiosity, have you had any issues with DHS or the IRS or have you done anything or been anywhere that might have attracted their attention?
by Jeepergeo
Sun Feb 21, 2021 9:30 pm
Forum: Investing - Theory, News & General
Topic: Delaying Social Security
Replies: 88
Views: 6447

Re: Delaying Social Security

Born in 1955, I'm deciding whether or not to delay receiving SS benefits. I know about the 8% per year increase in benefits to age 70, or a 30.7% increase at age 70. My dilemma is whether the years I do without SS represent an opportunity cost because I don't have the use of that money. I'm working...