Search found 235 matches

by SwampDonkey
Thu Apr 08, 2021 10:10 pm
Forum: Personal Consumer Issues
Topic: How much $$ to get kitchen cabinets painted?
Replies: 42
Views: 4124

Re: How much $$ to get kitchen cabinets painted?

Hi, We live in MCOL and received a quote for $2,500. This was for 28 cabinet doors/drawers and an island. I decided to DIY and spent $290 for all supplies (including $100 for a paint gun from Amazon). It's been nearly two years and they still look great. I kept meticulous account of my time spent as...
by SwampDonkey
Sat Mar 27, 2021 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Which U.S. military bases are the best locations to work as a civilian RN?
Replies: 19
Views: 2370

Re: Which U.S. military bases are the best locations to work as a civilian RN?

There isn't a good way to answer your question because there are too many unknowns about your specific situation. Single? Dependents? Hobbies? Like to travel? Food adventurous? Willing to be 1/2 the world away from friends and family? Warm, cold, or 4-seasons? Mountains? Ocean? Trying to save most o...
by SwampDonkey
Fri Mar 19, 2021 9:18 am
Forum: Personal Consumer Issues
Topic: Las Vegas or Tampa for retirement relocation?
Replies: 69
Views: 6041

Re: Las Vegas or Tampa for retirement relocation?

you're not going to find a 'nice house' in Tampa for $300 -$400K. In the outerlying areas, maybe. But not in Tampa itself. The nicest area of Tampa is known as South Tampa and nice houses are $700K and up. check zip code 33629 for starters. Disagree. Depending where they are looking, they can find ...
by SwampDonkey
Sat Feb 27, 2021 10:28 pm
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12799

Re: How much do you spend nightly for hotels (leisure/vacation)?

If it's a family vacation, we'll stay in a timeshare which averages out to ~$100/night, possibly less, and offers 1-2 bedrooms w/ a kitchen. If it's just a stopover on a family road trip, it's whatever offers free breakfast for the family and has solid reviews on safety and cleanliness. Don't think ...
by SwampDonkey
Thu Feb 25, 2021 10:13 pm
Forum: Personal Consumer Issues
Topic: A gift for DW
Replies: 58
Views: 4280

Re: A gift for DW

If you already have one child I assume the interior of her vehicle looks like she has a young child (messy!). I'd recommend having her vehicle fully detailed. Lots of "we'll come to your house" types on the local Facebook groups and the NextDoor app. In our area, you can get a full detail ...
by SwampDonkey
Sun Feb 14, 2021 2:40 pm
Forum: Personal Consumer Issues
Topic: Hot Tub
Replies: 40
Views: 6834

Re: Hot Tub

We purchased a new one from a local hot-tub manufacturer. Random thoughts: 1. Don't pay extra for the all of the "cool" LEDs/lights; our tub probably has 25 lights on the interior perimeter and they are rarely used. Our kids enjoy them, the adults find them too bright. 2. Don't pay extra f...
by SwampDonkey
Wed Feb 03, 2021 6:07 pm
Forum: Personal Consumer Issues
Topic: Camping Stove - Upgrade?
Replies: 32
Views: 1778

Re: Camping Stove - Upgrade?

We just picked up this wood burning stove. Honestly, i haven't used it yet but it looks impressive. It also has a lifetime guarantee. https://www.solostove.com/solo-stove-campfire/ We bought this on Black Friday and recently used it for the first time. 100% recommend it. "Set-up" is liter...
by SwampDonkey
Mon Feb 01, 2021 7:10 pm
Forum: Personal Consumer Issues
Topic: House purchase agreement with appraisal gap clause
Replies: 9
Views: 872

Re: House purchase agreement with appraisal gap clause

I sold a home several years ago and ran into the issue of the appraisal being ~$30k below agreed upon asking price (mid ~$200k). Everyone involved agreed the appraiser did a horrible job and pulled comps which were nothing like the home that I was selling. Long story short, I wasn't willing to eat t...
by SwampDonkey
Sun Jan 24, 2021 10:42 pm
Forum: Personal Consumer Issues
Topic: Real Estate Agent vs. Redfin vs. FSBO advice?
Replies: 10
Views: 867

Re: Real Estate Agent vs. Redfin vs. FSBO advice?

Our most recent purchase was done without a buyer's agent and the seller was FSBO. We found the home via Zillow and completed all communications directly to the seller via text, call, or email. For paperwork, we agreed to a local RE attorney who charged ~$500 to ensure we did everything correctly. O...
by SwampDonkey
Sat Jan 16, 2021 9:25 pm
Forum: Personal Consumer Issues
Topic: How to remove smoke smell from clothes after a fire?
Replies: 23
Views: 1997

Re: How to remove smoke smell from clothes after a fire?

If you have a swimming pool, let them soak in the pool for a week (or more).
by SwampDonkey
Sat Jan 16, 2021 8:30 pm
Forum: Personal Consumer Issues
Topic: Boglehead golfers - Big Cedar Lodge
Replies: 10
Views: 1102

Re: Boglehead golfers - Big Cedar Lodge

My wife and I spent a few nights in Branson this past summer and spent a day at Big Cedar. Loved it. For food, we found a tiny little restaurant on the outskirts of Branson that had the best traditional breakfast we had had in years. Seriously. The place is small, seats maybe 30 people, and there's ...
by SwampDonkey
Fri Jan 08, 2021 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 151
Views: 54815

Re: Is Being a Private Banking Client Worth it?

I once interned for a private bank, that was a division of a major Wall Street institution, that catered to UHNW individuals and familes. The account minimums for the institution was generally $25M........... Very interesting read. The exchange fund idea makes complete sense; surprised this is the ...
by SwampDonkey
Thu Jan 07, 2021 11:26 pm
Forum: Personal Consumer Issues
Topic: products with useful lifetime warranties
Replies: 48
Views: 2498

Re: products with useful lifetime warranties

Chaco sandals - after 10'ish years of use my soles were detaching from the rest of the sandal. Called Chaco, they told me to send them in. A few weeks later they mailed them back and they looked good as new.
by SwampDonkey
Fri Jan 01, 2021 4:03 pm
Forum: Personal Consumer Issues
Topic: Very very warm Men’s Winter Coat
Replies: 67
Views: 5437

Re: Very very warm Men’s Winter Coat

I just purchased the following from Eddie Bauer, it is not rated quite as warm as the one above but I liked the look of it a little better and found enough reviews by people comfortable wearing it in frigid weather with just a t-shirt: https://www.eddiebauer.com/p/10112093/mens-boundary-pass-parka?...
by SwampDonkey
Wed Dec 30, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Very very warm Men’s Winter Coat
Replies: 67
Views: 5437

Re: Very very warm Men’s Winter Coat

I have this coat. It’s extra long and really keeps out the cold. When I wear it for snowblowing I have a t-shirt underneath and still have to open it up. At below zero temperatures. Looks like it’s on sale. https://www.eddiebauer.com/p/10112338/men%27s-superior-down-stadium-coat?sp=1&color=Dk%2...
by SwampDonkey
Wed Dec 30, 2020 8:35 am
Forum: Personal Consumer Issues
Topic: Cord cutting 2020 - Youtube TV
Replies: 142
Views: 12864

Re: Cord cutting 2020 - Youtube TV

Our biggest hiccup when it comes to cutting the cord is the Hallmark channel. As it currently stands, my kids watch 50% YouTube videos and the other 50% divided between Disney+, Amazon Prime, and Netflix. I only watch football but I can find that online if need be. Occasionally I'll watch a tv serie...
by SwampDonkey
Thu Dec 03, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Killed grass with too much fertilizer
Replies: 51
Views: 3279

Re: Killed grass with too much fertilizer

Update: I just tested the pH of our grass using a 3-in-1 probe from Amazon. pH looks to be extremely low at 5.0; based upon my internet research, the pH should be between 6.3 and 7.5 for St. Augustine. I initially thought the probe may have been broken/needing calibrated but I walked 10 steps into m...
by SwampDonkey
Sun Nov 22, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Killed grass with too much fertilizer
Replies: 51
Views: 3279

Re: Killed grass with too much fertilizer

Do you have a couple months to wait or are you required to correct this ASAP if it’s in the front yard in a HOA neighborhood? Are you sure it’s dead rather than dormant? It’s going to take awhile for the chemicals to leach out of soil. Unless you add a lot of bee top soil to the affected areas, gra...
by SwampDonkey
Sun Nov 22, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: Killed grass with too much fertilizer
Replies: 51
Views: 3279

Re: Killed grass with too much fertilizer

Here’s my tip, but probably not one you want. Just keep it in the back of your mind; perhaps one day you’ll think about it again. Get over the lawn thing. Go meadow. Pollinators and animals will thank you. When we lived rural, that's exactly what we did. Loved it. We now live in a HOA neighborhood....
by SwampDonkey
Sun Nov 22, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: Killed grass with too much fertilizer
Replies: 51
Views: 3279

Killed grass with too much fertilizer

We live in the SE and have St Augustine grass in our yard. I've been applying Scotts "weed'n'feed" 2-3x/year over the past couple of years (how long we've owned the home). That, combined with manually pulling weeds when they appear has worked well for us and our yard has gone from question...
by SwampDonkey
Sun Nov 22, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Solar Pool Heating
Replies: 26
Views: 1208

Re: Solar Pool Heating

My questions: 1) How well does the heating work? Is the pool swim-able in January? 2) Maintenance required? I've been looking at the system layouts and they seem pretty simple. 3) Cost. Is what I'm hearing consistent with what you know/spent? I, personally, think $4-5.5k is pretty reasonable consid...
by SwampDonkey
Thu Nov 19, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 105
Views: 7656

Re: New Truck Purchase

I've owned 4 pickups over the years. All had their pros and cons. If money were not a concern and I needed to buy a truck now, I'd go with the Ram. Head and shoulders above everything else currently on the market. I think the 2021 F-150 will give the Ram a run for its' money. In the end much of it ...
by SwampDonkey
Thu Nov 19, 2020 4:50 pm
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 105
Views: 7656

Re: New Truck Purchase

I've owned 4 pickups over the years. All had their pros and cons. Dodge Ram - V8 - Quad Cab - 4x4 --- Easily my favorite truck. Extremely smooth when driving. TONS of power. Towed 10k lbs across the country and the truck had zero issues, even when crossing the Rockies. The quad cab back seat was too...
by SwampDonkey
Thu Nov 19, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: What is the best money you have spent on professional development?
Replies: 16
Views: 1802

Re: What is the best money you have spent on professional development?

This is more of a missed opportunity on money I spent towards my development. I was near the end of my MBA and taking a general IT/technology course. The instructor was in the IT industry and during one class our lesson sidetracked into which technology companies looked to be the most promising from...
by SwampDonkey
Thu Nov 12, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: New MacBook Pro with M1 processor
Replies: 129
Views: 10204

Re: New MacBook Pro with M1 processor

I'm a Boglehead at heart so I've never been able to justify paying 2x the money for an Apple laptop vs a comparable Windows laptop. After considerable research and a recommendation here on Bogleheads, I bought the LG Gram laptop from Costco a few weeks ago for ~$1250. Then the M1 happened. My curios...
by SwampDonkey
Fri Nov 06, 2020 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: 39 Year-Old Offered Pension Lump Sum Buyout - Take It?
Replies: 74
Views: 6601

Re: 39 Year-Old Offered Pension Lump Sum Buyout - Take It?

Several others have suggested waiting to see if they come back with a better offer. Can you instead take the initiative and provide them an acceptable buyout amount? For instance, they offered you $26.5k; is it conceivable to go back to them and tell them you would accept at $30k? I don't work in co...
by SwampDonkey
Thu Nov 05, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Parent is working grueling job, considering retiring just a few years before pension. How else can I help her decide?
Replies: 91
Views: 7894

Re: Parent is working grueling job, considering retiring just a few years before pension. How else can I help her decide

I'm not sure if you are intentionally taking my comments out of context to be argumentative or if you somehow missed the point. Here was the discussion that preceded if it assists you: Sorry - not trying to be argumentative. Just wanted to point out that RAs cover more than disabilities in case som...
by SwampDonkey
Thu Nov 05, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Parent is working grueling job, considering retiring just a few years before pension. How else can I help her decide?
Replies: 91
Views: 7894

Re: Parent is working grueling job, considering retiring just a few years before pension. How else can I help her decide

....Employers are only required to make reasonable accommodations for those persons with disabilities.... This is not 100% accurate. RAs cover more than just disabilities as defined by the ADA. One example - a person of faith who requests to wear a head covering at their place of employment due to ...
by SwampDonkey
Wed Nov 04, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Parent is working grueling job, considering retiring just a few years before pension. How else can I help her decide?
Replies: 91
Views: 7894

Re: Parent is working grueling job, considering retiring just a few years before pension. How else can I help her decide

Perhaps getting a complete physical and medical work-up might reveal a condition that her physician (with your parent's permission, of course) could provide to the Medical Department at her employer. There may be a legitimate medical condition that could exempt her from working the graveyard shift....
by SwampDonkey
Thu Oct 29, 2020 7:14 am
Forum: Personal Consumer Issues
Topic: Harbor Freight Good Values?
Replies: 88
Views: 5299

Re: Harbor Freight Good Values?

Don't buy anything from this company. Cheap tools. Puts US companies out of business. Removes mid grade quality options from consumer. Contributes to chronic waste problems when they invariably break or fail. This is nonsense. Harbor Freight is an American company with tens of thousands American wo...
by SwampDonkey
Mon Oct 26, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: Looking for a fitness watch...
Replies: 25
Views: 1860

Re: Looking for a fitness watch...

I also use a Garmin and it can report items 2-4. I'm not a techy and their layout is intuitive enough for me to easily modify what metrics are displayed.

The Garmin has a seamless sync to smartphones and the user interface on the app is excellent.

BL: Big fan of Garmins for fitness tracking.
by SwampDonkey
Fri Oct 23, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Payoff rental mortgages?
Replies: 46
Views: 2574

Re: Payoff rental mortgages?

1 percent rule is based on determining a rentals cash flow at time of purchase. If you end up owning the rental out right after 5, 10 or 20 years you basically have a paid annuity at that time. Minus taxes and maintenance of course. To me I look at the 1 percent rule when I purchase a rental proper...
by SwampDonkey
Fri Oct 23, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: New kid on the way, should we get a new minivan? or else?
Replies: 58
Views: 2886

Re: New kid on the way, should we get a new minivan? or else?

Two cars can fit in our garage, so a third will have to be on the driveway. This is probably fine for most but I am just one of those who don't like to have a car continually sitting on the driveway outside. Please share your secret sauce for having room for two cars in your garage while having two...
by SwampDonkey
Tue Oct 20, 2020 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Let’s discuss my rental dilemma
Replies: 41
Views: 5005

Re: Let’s discuss my rental dilemma

Having been in your situation several years ago (being a new dad and having to move), I can empathize with your stressors. Looking back on my situation, my priorities would be: 1. Whatever makes my wife happy. She's going through a lot, both physically and mentally; try to accommodate and support he...
by SwampDonkey
Tue Oct 20, 2020 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed on parents finances..
Replies: 14
Views: 1283

Re: Advice needed on parents finances..

If it were me I'd pay off both mortgages and never have to worry about another mortgage payment ever again. I'm a believer in the psychological freedom of having these stressors removed from one's life. And they'd still have $950k in assets which is nothing to sneeze at. For the rental - seems like ...
by SwampDonkey
Mon Oct 19, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41830

Re: Items that are worth the money for the quality

Chaco sandals - bought a pair in 2005. Sent them back to Chaco to have them resoled in 2016 for free. They returned them in "like new" condition. Still wearing them today. iPhone - tried to save money by going LG Android a few years ago. The UI was so not-user friendly I returned it withi...
by SwampDonkey
Mon Oct 19, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41830

Re: Items that are worth the money for the quality

Panasonic plasma TVs (no longer sold) My folks purchased a 50" Panasonic Plasma ~10-15 years ago. Still the best picture quality of any tv I have ever watched a game on. The images and colors are extremely bright and vivid. They want to replace it with something bigger but haven't been able to...
by SwampDonkey
Mon Oct 12, 2020 10:01 pm
Forum: Personal Investments
Topic: Suggestions for 100x moonshots
Replies: 88
Views: 13656

Re: Suggestions for 100x moonshots

My favorite sleeper stock right now is Mercado Libre (MELI). If you combine Amazon, Paypal, and a few others into a single company, this is what MELI is....only in South America and still in the early stages. Strong management team, clear vision and execution (so far), investments from some major U...
by SwampDonkey
Mon Oct 12, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?
Replies: 91
Views: 5459

Re: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?

Similar situation as you. I put all of my annual IRA and TSP contributions in Boglehead'ish ETFs. This is the vast majority of my annual retirement savings (~30k-32k'ish). Anything extra, I invest into a basket of stocks; this is a few thousand$ per year. I've underperformed some years, outperformed...
by SwampDonkey
Fri Oct 09, 2020 1:59 pm
Forum: Personal Consumer Issues
Topic: Recommendations wanted: lower cost wireless ear buds for runners
Replies: 17
Views: 1054

Re: Recommendations wanted: lower cost wireless ear buds for runners

I've been using the AUKEY True Wireless Earbuds for the past six months. ~$23 on Amazon. Pros: -stay in place for the most part -easy pairing -wireless -sound quality is okay; bass is not the best -very light and comfortable - good battery life - they're $20; if I lose them, so what? Cons: - horribl...
by SwampDonkey
Sun Oct 04, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: Favorite Camping Gear
Replies: 71
Views: 5350

Re: Favorite Camping Gear

Used to be big into backpacking, had kids and took several years off, now we're starting back up as car campers. At this stage in our life, our primary considerations are comfort and convenience. I've never been a fan of air mattresses so we recently splurged on the Disc-O-Bed XLs (purchased from Co...
by SwampDonkey
Sat Oct 03, 2020 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: If you have a pension, how do you view it?
Replies: 203
Views: 14902

Re: If you have a pension, how do you view it?

Our plan is to retire when we have our "forever home" paid off + $1M in investments/savings. If things continue to track, this will be in 5-10 years and I'll retire with a military pension. With no mortgage to worry about in retirement, I expect my pension to cover 90-100% of our monthly e...
by SwampDonkey
Wed Sep 16, 2020 4:59 pm
Forum: Personal Investments
Topic: Suggestions for 100x moonshots
Replies: 88
Views: 13656

Re: Suggestions for 100x moonshots

Another big risk/big reward would be to buy baskets of stocks from currently troubled industries. Specifically the airlines and the cruise industry. You could have a cruise basket made up of the three majors, all currently down a ton. If they recover, huge profits for you. You could have an airline ...
by SwampDonkey
Wed Sep 16, 2020 4:51 pm
Forum: Personal Investments
Topic: Suggestions for 100x moonshots
Replies: 88
Views: 13656

Re: Suggestions for 100x moonshots

My favorite sleeper stock right now is Mercado Libre (MELI). If you combine Amazon, Paypal, and a few others into a single company, this is what MELI is....only in South America and still in the early stages. Strong management team, clear vision and execution (so far), investments from some major US...
by SwampDonkey
Tue Sep 15, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: Too Many Monthly Digital Subscriptions - Time for Apple One?
Replies: 25
Views: 2727

Re: Too Many Monthly Digital Subscriptions - Time for Apple One?

My family will be subscribing. We were already paying $15/month for the music subscription and we have been very happy with it. For only $5 more per month we can get: Apple Music Apple TV+ Apple Arcade 200 GB of iCloud storage This is an easy decision for us. I'm really curious how well they execute...
by SwampDonkey
Fri Sep 11, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Tenants screening
Replies: 32
Views: 2763

Re: Tenants screening

How consistent is the $130k per year? If it fluctuates it may be cause for concern. Items I look for when screening tenants are: 1. Financial stability. 2. Trustworthiness. 3. Honesty. 4. Communication 5. What is their story? I've had tenants for ~12 years and, knock on wood, those basic screening ...
by SwampDonkey
Wed Sep 09, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Tenants screening
Replies: 32
Views: 2763

Re: Tenants screening

How consistent is the $130k per year? If it fluctuates it may be cause for concern. Items I look for when screening tenants are: 1. Financial stability. 2. Trustworthiness. 3. Honesty. 4. Communication 5. What is their story? I've had tenants for ~12 years and, knock on wood, those basic screening t...
by SwampDonkey
Fri Aug 28, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: ‘Play money’ invested by Dad growing huge - what would you do?
Replies: 109
Views: 15913

Re: ‘Play money’ invested by Dad growing huge - what would you do?

Congrats. Your dad hit a homerun with his $38 Tesla buys. If it were me, I'd have the conversation with my dad and suggest I wanted to take 1/2 of the current money and invest it in a like-minded ETF which is still innovation / growth focused, but at a lower risk. If you've never heard of them, chec...
by SwampDonkey
Thu Aug 27, 2020 1:27 pm
Forum: Personal Consumer Issues
Topic: $40k Hardwood Floors Gone Wrong - Help!
Replies: 43
Views: 4930

Re: $40k Hardwood Floors Gone Wrong - Help!

My thoughts: 1. It sounds like your install crew has been great and as helpful as can be reasonably expected. I would not try and hold them financially responsible in any manner. 2. Even though the new (incorrect) floor is tolerable, it is not what you paid for. I'm not a lawyer but if this were to ...
by SwampDonkey
Sun Aug 16, 2020 8:14 pm
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31856

Re: What surprised you the most once you retired?

Hi flying away, I asked my wife just that. She is Chinese so her saving perspective is a little different. She said it means we are good savers. As for missing out, we have had an interesting journey. From1973 to 1989 we have lived in the Marshall Islands ....... Out of curiosity, which island and ...