Search found 168 matches

by yosh99
Sun Mar 14, 2021 12:22 am
Forum: Personal Consumer Issues
Topic: Time to ditch Tivo?
Replies: 49
Views: 4413

Re: Time to ditch Tivo?

We continue to use Tivo because of its "One Pass" and "Wish List" search capabilities. Is there another DVR system with similar features?
by yosh99
Wed Feb 24, 2021 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Private School - financially irresponsible?
Replies: 213
Views: 16739

Re: Private School - financially irresponsible?

For my son with learning disabilities, we paid about 35% of our income. We also had experience with 3 other private schools before finding this one. What I learned is that private schools all have advantages and disadvantages. Just for example, our older son went for 3 years. Because of English/Gra...
by yosh99
Sun Feb 21, 2021 4:17 pm
Forum: Personal Consumer Issues
Topic: Cost to build a southern home like you are in Minnesota with pipe protection for freezes
Replies: 95
Views: 6712

Re: Cost to build a southern home like you are in Minnesota with pipe protection for freezes

Pipes in Minnesota aren't generally insulated unless it's to keep hot water pipes hot. However, it's a no-no in Minnesota to put any pipes in an outside wall. If you have a kitchen sink on an outside wall, for example, the pipes will come up from the floor, not out from the wall. Some hot water heat...
by yosh99
Sun Feb 07, 2021 10:44 pm
Forum: Personal Consumer Issues
Topic: Audi Q5 vs Mercedes GLC vs Volvo XC60
Replies: 46
Views: 2695

Re: Audi Q5 vs Mercedes GLC vs Volvo XC60

I cross-shopped the PHEV versions of the Audit Q5 and Volvo XC60. I own a Volvo XC40 and was predisposed to buy the XC60, but I bought the Q5e last week. The deciding factor was how the all-wheel drive is implemented. The Q5 puts the electric motor ahead of the transmission and the Quattro all-wheel...
by yosh99
Sun Jan 31, 2021 12:09 pm
Forum: Personal Consumer Issues
Topic: System to handle projects?
Replies: 12
Views: 997

TEAMWORK.COM

I was part of a small R&D laboratory where everything was organized around projects. After considerable searching we settled on an on-line application called TEAMWORKS and have used it for almost 20 years now. You can create projects, tie them to clients, assign tasks to individuals, log times, ...
by yosh99
Tue Jan 19, 2021 11:02 am
Forum: Personal Consumer Issues
Topic: How to do the Boundary Waters?
Replies: 30
Views: 2998

Re: How to do the Boundary Waters?

Boy, times sure have changed. I spent a week in the Boundary Waters. The only rule we had was to make sure not to litter because the authorities will ask to see your garbage when you come back. We went wherever we wanted, camped wherever we wanted, etc. Of course, that was a while ago. In fact, I d...
by yosh99
Fri Jan 08, 2021 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Does leasing a car ever make more sense than paying cash?
Replies: 48
Views: 4788

Re: Does leasing a car ever make more sense than paying cash?

OP here. Thanks everyone for the great advice. I bought used cheap cars my whole life, but at my age now I figure I only have a few years of driving left and I want to spend it with cars I want do drive whether practical or not. Based on the advice given it's obvious that I need to learn about leasi...
by yosh99
Fri Jan 08, 2021 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Does leasing a car ever make more sense than paying cash?
Replies: 48
Views: 4788

Does leasing a car ever make more sense than paying cash?

Is there ever a situation where leasing a car for two years makes more sense than paying cash and trading it in after two years?

Thanks.
by yosh99
Wed Jan 06, 2021 11:48 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39329

Re: What kind of car do Bogleheads like to drive?

Gotta enjoy life when you're set. And I like nice cars. 2003 Chevrolet Corvette Z06 (bought used in 2005) 2015 Porsche Macan Turbo (bought used in 2018) 2021 Cadillac Escalade Sport Platinum (leased) I buy used to try and pretend I'm a Boglehead in that way. How do you like the 2021 Escalade? I'm l...
by yosh99
Tue Jan 05, 2021 4:24 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39329

Re: What kind of car do Bogleheads like to drive?

Knowing people's ages and stage of life along with their car preferences would be interesting. I bought cheap, practical cars (Pinto, Omni, etc) my whole life but when I turned 60 I realized that I only had a few cars left in me and decided to upgrade. I drive a Volvo now and am considering an Audi ...
by yosh99
Wed Dec 23, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: What exactly are YOU doing in retirement?
Replies: 93
Views: 8818

Re: What exactly are YOU doing in retirement?

Not much. I retired just when Covid started so I wonder now how much of my sitting around is due to retirement and how much is due to Covid restrictions. In many ways it would be easier to still be working.
by yosh99
Tue Dec 22, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Scanning and discarding tax documents
Replies: 15
Views: 1254

Re: Scanning and discarding tax documents

I just finished a year long intensive state audit for three tax years for my small business and me personally. The state auditor set up a web site and asked that all of my documents, receipts, etc be uploaded so everything that I had in paper form had to be scanned in anyway. He never wanted and nev...
by yosh99
Sat Dec 19, 2020 3:28 pm
Forum: Personal Consumer Issues
Topic: Any AirPods alternative for better fit?
Replies: 15
Views: 1174

Re: Any AirPods alternative for better fit?

You are not alone with your AirPods falling out. A recent thread on this suggested using some memory foam tips available on Amazon. I switched to them and haven't had a problem with falling out since.

https://amazon.com/gp/product/B088KPNKN ... UTF8&psc=1
by yosh99
Mon Dec 07, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: is it ok to download Big Sur for MAC yet??
Replies: 47
Views: 3916

Re: is it ok to download Big Sur for MAC yet??

With Big Sur I can no longer use AirPlay to display my MacBook Pro screen to either of my Apple TV's. My son has the same problem with his MBP at a different location on a different network. Based on various Mac forums I've consulted it's a common issue.
by yosh99
Sun Dec 06, 2020 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Hate My Job
Replies: 239
Views: 21276

Re: Hate My Job

I was in a similar situation in my late 40's where a good company had been taken over by bad people. The work environment was horrible and it was taking it's toll on everyone. Like all the technical people in the company I had signed a non-compete agreement that made getting another job in the same ...
by yosh99
Mon Nov 30, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: Winter in Florida
Replies: 16
Views: 1761

Re: Winter in Florida

Longboat Key is one of my favorites places to visit. I agree with the Longboat Key recommendation. We've spent our January's there for years, but are skipping this year due to Covid. It has fine, relatively secluded beaches on the gulf side and is more sheltered, boatable and fishable on the bay si...
by yosh99
Wed Nov 18, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: Best gym headphones
Replies: 30
Views: 1763

Re: Best gym headphones

Do some research on the Airpod Pro's to make sure they fit. Mine fall out all the time regardless of which size silicone plug I use. In checking, I found it's a very common problem. I have some LinearFlux ear pods that are very good for staying put, but the bluebook pairing can be intermittent. I ha...
by yosh99
Fri Nov 13, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Commuting by bike
Replies: 75
Views: 3377

Re: Commuting by bike

I commuted about 10 miles each way by bike over the summers for 40 years, but am retired now. Over the years I felt biking became increasingly unsafe primarily due to distracted and hostile drivers. The one rule that I suggest is that you never assume the drivers around you see you. Even people look...
by yosh99
Fri Oct 30, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Need to pay IRRMA Medicare rates with Medicare Advantage?
Replies: 6
Views: 527

Need to pay IRRMA Medicare rates with Medicare Advantage?

My wife and I will be paying the highest IRRMA rates for Medicare Part A and B for the foreseeable future. We've been using a very good Medigap Medicare supplement for a few years, but this requires that we also purchase Medicare A and B at the high IRRMA rates. The impression I get about Medicare A...
by yosh99
Tue Oct 13, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Florida snowbirds and covid-19
Replies: 38
Views: 3901

Re: Florida snowbirds and covid-19

We reluctantly cancelled our rental for January this year. Our fear was what do you do if you get Covid with less than two weeks remaining on your rental? You have to vacate, but where do you go? How do you get home?

If we owned a place it might be different.
by yosh99
Fri Oct 09, 2020 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to transition from Spousal to Own SS benefit?
Replies: 39
Views: 3221

Re: How to transition from Spousal to Own SS benefit?

My wife and just did this yesterday. She filed for her full benefit at 66 and I was getting a spousal benefit. We wanted to change it to my collecting my full benefit at 70 and her getting the spousal. I could find no way to do this on the website so I called the SS office (on hold 40 min) to make a...
by yosh99
Sat Sep 26, 2020 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab closed my checking $0 account without a warning. Is that common?
Replies: 26
Views: 2781

Re: Schwab closed my checking $0 account without a warning. Is that common?

Vanguard closed an account I had for a business without warning when I brought it down to zero. I was quite irked because it takes a lot of paperwork to open a new business account.
by yosh99
Mon Aug 24, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Best Earbuds with Microphone
Replies: 40
Views: 2458

Re: Best Earbuds with Microphone

Once you’ve tried the Apple airpods I don’t think you will want to use wired again. Cheers I’ll bite. What makes them so great, compared to the wired option? No wires! I have wireless earbuds for working out, amazing for that. I would not use them for work conference calls. Imagine them running out...
by yosh99
Sun Aug 23, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: Vacationing safely in the era of Covid - How did you do it?
Replies: 124
Views: 9980

Re: Vacationing safely in the era of Covid - How did you do it?

We have a month paid-up for January in a condo on the FL gulf coast. Driving there for two days seems safe enough and it should be possible to be as socially distant there as here. The question is what happens if you unfortunately get sick when away from home? Do you really want to deal with a poten...
by yosh99
Thu Aug 06, 2020 10:48 am
Forum: Personal Investments
Topic: Advice on purchase of rental property
Replies: 11
Views: 611

Advice on purchase of rental property

An unexpected opportunity has come up and I’m looking for help from this community to get a sense of whether it’s feasible or not. We live in an old established inner city neighborhood of 100 year old homes with a few old apartment buildings interspersed here and there. The homes range in value from...
by yosh99
Thu Jul 02, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: Mini Split A/C: Ducted or Ductless?
Replies: 9
Views: 1078

Re: Mini Split A/C: Ducted or Ductless?

tyrion wrote: Thu Jul 02, 2020 2:55 pm
My only concern would be whether there's a way to control the difference between the upstairs rooms. I assume there's one thermostat for the whole zone, but can you adjust vent throttling like you do in a normal vent system?
I'm told that each ceiling vent has a slide to control volume.
by yosh99
Thu Jul 02, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: Mini Split A/C: Ducted or Ductless?
Replies: 9
Views: 1078

Re: Mini Split A/C: Ducted or Ductless?

I find it hard to believe that the ducts for a high velocity system are more intrusive than units hanging on the wall. By high velocity being "intrusive" I meant there would have to be opening of walls and some ceilings to get the ducts from the attic to the first floor. The "hybrid&...
by yosh99
Thu Jul 02, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: Mini Split A/C: Ducted or Ductless?
Replies: 9
Views: 1078

Re: Mini Split A/C: Ducted or Ductless?

Thank you Spirit Rider for your informed response and clarification of terminology. The system I'm leaning toward sound like a hybrid of the two split systems. One outside unit will connect to a single head on the ground floor and an air handler in the attic with ducts to all the upstairs rooms. Set...
by yosh99
Wed Jul 01, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Mini Split A/C: Ducted or Ductless?
Replies: 9
Views: 1078

Mini Split A/C: Ducted or Ductless?

I'm trying to decide on a mini split air conditioning system to retrofit my old house and have a choice between a ducted system where there is an air handler in the attic that feeds every room on the second floor with a duct and vent, or a different mini split A/C that feeds a couple of inside units...
by yosh99
Tue Jun 30, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 17451

Re: What is the best financial decision you ever made?

My best financial decision was to quit my mega-corporate job of 30 years and start my own business at the age of 51. The first few years were lean, but improved with time, and I sold the business to some employees last October after 17 years. For the first time in my life I don't have to worry about...
by yosh99
Mon May 11, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Apple Airpods
Replies: 30
Views: 2075

Re: Apple Airpods

I've had a pair of AirPod Pros since last October. They sound fine, but fall out all the time regardless of which size rubber tip I use. If you check the various forums, including Apple's own, you find that many people have a similar problem so if you do buy them make sure you test them out to make ...
by yosh99
Wed May 06, 2020 4:47 pm
Forum: Personal Investments
Topic: Notary Signature Amidst COVID 19
Replies: 22
Views: 1504

Re: Notary Signature Amidst COVID 19

Our bank recently notarized a will through their drive-up window.
by yosh99
Fri Apr 24, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Expert Consultant: $110 / hr??
Replies: 70
Views: 6755

Re: Expert Consultant: $110 / hr??

At a short-term hourly rate of $110 you self yourself far to short. If they want a one-off discussion you should quote a rate of $1,000 total for half a day (3 hours max). They won't value your opinion and expertise unless you value it yourself. If they want an ongoing relationship quote something ...
by yosh99
Tue Mar 10, 2020 11:27 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200174

Re: Bogleheads community discussion - Coronavirus

I see a lot of theories in the media, from a lot of "experts". I'm very skeptical. I think the theory that it was circulating world-wide for a long time is just as likely to be true as the theory that it "broke out" in China. Maybe they were just the first to identify it, and th...
by yosh99
Tue Mar 10, 2020 11:17 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 200174

Re: Bogleheads community discussion - Coronavirus

I see a lot of theories in the media, from a lot of "experts". I'm very skeptical. I think the theory that it was circulating world-wide for a long time is just as likely to be true as the theory that it "broke out" in China. Maybe they were just the first to identify it, and th...
by yosh99
Thu Mar 05, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Volvo XC40
Replies: 7
Views: 1063

Re: Volvo XC40

I've had my XC40 for almost two years ago and highly recommend it. For a small luxury SUV it is surprisingly large inside and is comfortable for four adults. I really like all the useful design features. There is a little hook that folds down from the glove compartment for hanging a purse or bag of ...
by yosh99
Tue Mar 03, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Any experience with artificial turf for dogs?
Replies: 10
Views: 921

Re: Any experience with artificial turf for dogs?

Cactuscoug wrote: Tue Mar 03, 2020 7:38 am Here in AZ we put down artificial turf for our dog 20-years ago. She took to it easily. So did the neighborhood coyotes!
It will smell a bit during the summer heat, but can be rinsed heavily, or just wait until Fall.
Do you use turf especially designed for dogs?
by yosh99
Mon Mar 02, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: Any experience with artificial turf for dogs?
Replies: 10
Views: 921

Any experience with artificial turf for dogs?

In two years my Golden Retriever has transformed my relatively small back yard into a mess of dirt and mud. I'm thinking of installing artificial turf, in particular one specifically designed for dogs called K9Grass. Does anyone have any experience with this? Is the K9Grass really preferred over the...
by yosh99
Wed Jan 29, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: S-Corp Reasonable Salary Question
Replies: 23
Views: 1440

Re: S-Corp Reasonable Salary Question

Do you have a retirement benefit that is based on salary? I had a SEP IRA when I had my S-Corp which allowed me to contribute up to 20% or something like $40,000/year of my salary. I based my salary on maximizing my tax free contributions which were far greater than savings from lower payroll taxes.
by yosh99
Wed Jan 15, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 170
Views: 25898

Re: Chase Sapphire checking 1000$ offer

Be sure to read the fine print. This offer is not valid in some states which I unfortunately just discovered too late.
by yosh99
Mon Jan 13, 2020 5:05 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1323

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

biscuits wrote: Mon Jan 13, 2020 4:56 pm
niceguy7376 wrote: Mon Jan 13, 2020 4:18 pm Novice Q - Why does Volvo pay for 2 RT tickets, hotel stay and and such? Do they still make money on car price even after giving 9% off MSRP?
Good questions which I can't answer. Maybe someone else can.
I was told it was subsidized by the Swedish government as a tourist promotion.
by yosh99
Fri Jan 10, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Olives
Replies: 11
Views: 1677

Re: Olives

Speaking of olives, I've always wondered why green olives come in a glass jar and black olives come in a metal can. It's one of life's mysteries. Here’s an explanation: https://lacrossetribune.com/community/tomahjournal/lifestyles/ask-your-science-teacher-green-vs-black-olives/article_6ae0713b-280e...
by yosh99
Fri Jan 10, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Olives
Replies: 11
Views: 1677

Re: Olives

Speaking of olives, I've always wondered why green olives come in a glass jar and black olives come in a metal can. It's one of life's mysteries.
by yosh99
Mon Jan 06, 2020 10:41 pm
Forum: Personal Consumer Issues
Topic: 2015 Jeep Cherokee, transmission issues, warranty ending soon
Replies: 37
Views: 2354

Re: 2015 Jeep Cherokee, transmission issues, warranty ending soon

I had a 2014 Cherokee with nothing but problems, including the transmission that went out at about 5,000 miles. It was replaced under warranty, but with all the other problems I called the dealer and said I wanted to meet with the sales manager. At the meeting, he said he had talked with the service...
by yosh99
Wed Jan 01, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies for Dealing with A Job Layoff
Replies: 28
Views: 2273

Re: Strategies for Dealing with A Job Layoff

There is always the fear in my head that I will be laid off from my job.... This is not a comfortable way to live life or raise a family. I would try to seek another employer, industry, or occupation where this is not a pervasive fear to you. Maybe transition to government employment (city/state/fe...
by yosh99
Sun Dec 29, 2019 5:55 pm
Forum: Personal Investments
Topic: MN resident with PERA pension
Replies: 25
Views: 1704

Re: MN resident with PERA pension

MN resident here also. The 9.85 top bracket is pretty ridiculous. Here here! Oh come on. The standard of living is good here. You couldn’t pay me to move down south. The only thing I hate-hate is cost of UofM and the recent rain/ice here this weekend. standard of living is nice, no doubt about it. ...
by yosh99
Sun Dec 22, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question-S Corp withdrawals
Replies: 5
Views: 424

Re: Tax question-S Corp withdrawals

My strategy for my S Corp was to pay myself the least I could to max out the SEP IRA contribution. This was a lot more than I would have had to pay myself to satisfy the IRS, but you can contribute over $40,000/year to a SEP IRA this way. The remainder was distributions.
by yosh99
Wed Dec 04, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? ...Four Years Later
Replies: 255
Views: 43162

Re: Learning Violin as an adult? Yes, 3 years later!

Good for three years. Are you taking lessons? Learning is very hard, and it reminds me of this YouTube video:

https://www.youtube.com/watch?v=XhjgfgM1jzw
by yosh99
Sat Nov 30, 2019 3:46 pm
Forum: Personal Investments
Topic: Significance of "tax advantaged"
Replies: 9
Views: 911

Significance of "tax advantaged"

Many threads mention the tax advantages of a collection of individual funds versus the same makeup of funds in an all-in-one fund like a Target fund or Life Strategy. I understand there are various strategies for saving in taxes when having more control over the individual funds, but how significant...