Search found 13475 matches

by Jack FFR1846
Sat May 08, 2021 6:46 am
Forum: Personal Consumer Issues
Topic: Do you still read the print newspaper?
Replies: 74
Views: 2421

Re: Do you still read the print newspaper?

I'm quite surprised the OP at 45 even knows what a newspaper is. I'm 20 years older and haven't read a newspaper since before Reagan was president.
by Jack FFR1846
Sat May 08, 2021 6:44 am
Forum: Personal Consumer Issues
Topic: Ultra Low Mileage Car Lease
Replies: 13
Views: 1031

Re: Ultra Low Mileage Car Lease

Since your lease is coming to an end, buy out the leased car.
by Jack FFR1846
Fri May 07, 2021 5:18 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Leaf Blower
Replies: 54
Views: 2122

Re: Recommendation for Leaf Blower

I have an Echo PB-2620 blower 2 cycle engine, it is a great blower, and I like the Echo brand. It has plenty of power for my needs, and I'm not completely sold on battery powered tools for yard work. I paid $200 for it. I have one of these as well and have been quite happy with it. I bought it at t...
by Jack FFR1846
Fri May 07, 2021 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping track of my “other” through credit inquiries
Replies: 6
Views: 642

Re: Keeping track of my “other” through credit inquiries

Don't assume that having the wrong SS# means someone else's debt can't be put on your report. The first time I needed credit when taking out a first mortgage was the first time I ever checked my credit reports. Several of my dad's mortgages for rental properties, and an AMEX card were noted as mine....
by Jack FFR1846
Fri May 07, 2021 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Large House / Confused On Remodel
Replies: 12
Views: 1128

Re: Large House / Confused On Remodel

You think that putting $1M into a $2.3M will yield a value more than $3.3M? I doubt that. So if you have resale in mind, do nothing. Why? Because the next CEO to come into the neighborhood to buy may simply bulldoze your house to build what he wants. I've seen this a number of times around me. So sp...
by Jack FFR1846
Thu May 06, 2021 5:39 pm
Forum: Personal Consumer Issues
Topic: Best options for squashing scammer phone calls?
Replies: 30
Views: 2272

Re: Best options for squashing scammer phone calls?

Turn your phone ringer off. Hook up an old fashioned answering machine. Turn down answering machine volume to zero. Let the machine take all calls. Check the answering machine for any calls when you feel like it. Running to the phone is very 1950's. There's no reason to interrupt what you're doing t...
by Jack FFR1846
Thu May 06, 2021 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed on teenager's job hunt
Replies: 30
Views: 2042

Re: Advice needed on teenager's job hunt

Try grocery stores. Our local chain employs people with challenges as baggers all the time.
by Jack FFR1846
Thu May 06, 2021 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Cancel Whole Life Policy?
Replies: 10
Views: 960

Re: Cancel Whole Life Policy?

Buy term policies for 1/10 the cost.

Dump these garbage policies. Not through the thief who sold them to you. Get surrender forms directly from the insurance company, fill them out, mail them to the insurance company.

Take the loss.

Move on.
by Jack FFR1846
Wed May 05, 2021 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Coinbase ID verification
Replies: 27
Views: 2131

Re: Coinbase ID verification

This isn't new. DW had to go to a Schwab office with passport to verify her identity about 5 years ago when opening an account. We could have sent documents but it was just easier to drop in.
by Jack FFR1846
Wed May 05, 2021 11:08 am
Forum: Personal Consumer Issues
Topic: Lexus or Tesla?
Replies: 193
Views: 12916

Re: Lexus or Tesla?

What's the OP doing? From his first post, saying his wife preferred the Lexus, I can guess what he's buying. Do the math. For you it may work. Perhaps you live in a place where a Tesla can use special roads that gas cars can't. Those are important considerations. Is a Tesla overall cheaper for you t...
by Jack FFR1846
Wed May 05, 2021 7:11 am
Forum: Personal Consumer Issues
Topic: Local alarm system options??? Nest, SimpliSafe, Ring or Others?
Replies: 19
Views: 1548

Re: Local alarm system options??? Nest, SimpliSafe, Ring or Others?

SimpliSave has easy, wireless components that you can decide what you want to add. So a central unit monitors everything and sends alerts and images (if you have a camera unit) to your phone. You can add whatever you want, whenever you want. So I'd think you'd add door sensors and maybe a couple cam...
by Jack FFR1846
Wed May 05, 2021 7:02 am
Forum: Personal Finance (Not Investing)
Topic: New car purchase with credit card(s)
Replies: 19
Views: 1528

Re: New car purchase with credit card(s)

AMEX has had a promotion for quite a while. You work with their cooperating dealer and pay the entire amount using your AMEX card. I'm sure that the price will be enough to pay the fee, I'm sure and probably a good amount over that.
by Jack FFR1846
Wed May 05, 2021 6:59 am
Forum: Personal Finance (Not Investing)
Topic: So what kind of raise did you guys get for 2021?
Replies: 247
Views: 20134

Re: So what kind of raise did you guys get for 2021?

With Covid last year in ANTICIPATION of huge drops in business, we were all given a "voluntary" 10% pay cut. There was no way not to volunteer. We've had that recently brought back up and we were given a small number of hundreds of dollars in RSUs vesting long after I plan to retire. With ...
by Jack FFR1846
Tue May 04, 2021 12:34 pm
Forum: Personal Consumer Issues
Topic: Toilet Bids
Replies: 53
Views: 4109

Re: Toilet Bids

I DIY replaced one that original to our 1984 house in an extra bathroom. It was leaky and I didn't feel like diagnosing, so splurged on the $39.99 new toilet at Lowes, then while installing, realized that the clown who originally installed the old toilet used lag bolts through the toilet holes direc...
by Jack FFR1846
Tue May 04, 2021 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Schwab Brokerage vs Ally
Replies: 10
Views: 665

Re: Schwab Brokerage vs Ally

DCU Any overdrafts I or anyone in my family has ever experienced, we call or go in or online chat and they remove the overdraft charge. I always have the money back in the account before I contact them. If you're seeing overdrafts because you both use the same checking account, don't do that. You ha...
by Jack FFR1846
Tue May 04, 2021 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Are my expenses too high?
Replies: 130
Views: 11720

Re: Are my expenses too high?

Kids cost money. People seem to not get that through their thick heads then seem surprised when kids cost money.

It's just piddly money now with day care. As they get older, real expenses start. Get used to it.
by Jack FFR1846
Mon May 03, 2021 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance for Home Depot Truck Rental
Replies: 7
Views: 799

Re: Insurance for Home Depot Truck Rental

You want to go a level further with questions. "What are the conditions where my auto insurance covers this Home Depot truck?". I've asked and the answer was: "Your own vehicle must be somewhere where you cannot use it while you have the truck". Ah, so I can't have my wife drive ...
by Jack FFR1846
Mon May 03, 2021 7:49 am
Forum: Personal Finance (Not Investing)
Topic: How to contain Property Tax with extensive remodeling
Replies: 24
Views: 2369

Re: How to contain Property Tax with extensive remodeling

Sounds like this is related to the California screwy property tax system that doesn't allow increases in existing homes but new buyers/builders get hosed and pay huge taxes. I would not be surprised, since California has never seen a tax it doesn't like, that they consider anything a permit touched ...
by Jack FFR1846
Mon May 03, 2021 6:49 am
Forum: Personal Consumer Issues
Topic: What is your high school graduate going to be doing?
Replies: 69
Views: 5631

Re: What is your high school graduate going to be doing?

I have worked with many physics majors. Back in the mid 80's my first supervisor/engineer had a BS in Physics from Harvard and then an MBA from somewhere. He continued working as an engineer and was very thorough but didn't know the meaning of the word "deadline". I've also worked with man...
by Jack FFR1846
Sat May 01, 2021 7:43 am
Forum: Personal Consumer Issues
Topic: Buying land in subdivision, but build house from scratch
Replies: 27
Views: 2368

Re: Buying land in subdivision, but build house from scratch

$200k for an undeveloped 5 acre lot where the seller has done nothing besides drawn up development plans and created an HOA? Who is going to build the roads? To me, the price is outrageous, but maybe that's because I live in the low cost Boston suburbs (sacrasm). Every area is different, but where I...
by Jack FFR1846
Fri Apr 30, 2021 2:18 pm
Forum: Personal Consumer Issues
Topic: Updated Honda Civic model (11th Generation)
Replies: 44
Views: 4366

Re: Updated Honda Civic model (11th Generation)

No manuals on the 11th gen - boo! Only the Si and R variants that are expected to come out later this year will have manuals. Apparently there will be a sport version with paddle shifters, but what a paddle shifts on a CVT transmission is unclear to me. A few years back some Subarus had this too. C...
by Jack FFR1846
Fri Apr 30, 2021 7:13 am
Forum: Personal Finance (Not Investing)
Topic: How to Handle Old Flexible Premium Multifunded Life (ULII) Insurance
Replies: 9
Views: 513

Re: How to Handle Old Flexible Premium Multifunded Life (ULII) Insurance

This has the underlying characteristic of any Universal Life policy, which is that the insurance is re-priced every year. It goes up. From the in force illustration, you can see that although she doesn't have to pay a premium into this, it is taking the premium from the cash value. It is NOT paid in...
by Jack FFR1846
Thu Apr 29, 2021 4:57 pm
Forum: Personal Consumer Issues
Topic: Updated Honda Civic model (11th Generation)
Replies: 44
Views: 4366

Re: Updated Honda Civic model (11th Generation)

Under forty grand for the type R with more power in a hatch that doesn't look like it fell out of a Hot Wheels package. Win. The rear looks very Audi A4-ish from 10 years ago. I've only had one pure civic....a 75 Civic CVCC. Had a few CRXs (including a prepared racecar) but CRX owners are insulted i...
by Jack FFR1846
Thu Apr 29, 2021 4:33 pm
Forum: Personal Consumer Issues
Topic: Help me buy my son a 5K new used car....
Replies: 55
Views: 3529

Re: Help me buy my son a 5K new used car....

My son has no job - doesn't listen to my ideas in regards to getting a job (changing lifestyle) - thinks he can do his own thing - so at this point - I just want to say - here's a car - we are done at this point - you do things your way. I think I'd be saying "your bicycle looks fine. I'll buy...
by Jack FFR1846
Thu Apr 29, 2021 9:11 am
Forum: Personal Investments
Topic: Parent's Retirement Plan - Need Advice
Replies: 47
Views: 3182

Re: Parent's Retirement Plan - Need Advice

Sorry to harp on this, but perhaps they should write down everything they're spending money on. I'm older than both your parents and plan to retire at the end of the year. I've budgeted my retirement spending based on INCREASED spending over what we currently spend. In Boston, this totals about $67,...
by Jack FFR1846
Thu Apr 29, 2021 8:25 am
Forum: Personal Investments
Topic: Parent's Retirement Plan - Need Advice
Replies: 47
Views: 3182

Re: Parent's Retirement Plan - Need Advice

A variable annuity is going to be wrought with fees and charges. It also ties up your parents' money for at least 7 years. How does that help them? A better plan, since your mom is not behaviorally good with managing money is to buy a SPIA (single premium immediate annuity). This, in essence takes t...
by Jack FFR1846
Thu Apr 29, 2021 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Guidance for Tenant's claim for Damages
Replies: 78
Views: 6430

Re: Seeking Guidance for Tenant's claim for Damages

There's no harm in contacting your mother's insurance company. They are the ones who will tell you if they will or will not get involved. You can seek your own representation also. As mentioned, gather all of your evidence. Permits, occupancy certificate, etc. Proof of insurance on a rental unit. Pr...
by Jack FFR1846
Thu Apr 29, 2021 6:49 am
Forum: Personal Consumer Issues
Topic: Help me buy my son a 5K new used car....
Replies: 55
Views: 3529

Re: Help me buy my son a 5K new used car....

Cars that can be a bargain: First generation Ford Fusion and Ford Focus Manual. The Fusion is just simply a boring, dated looking car compared with the new generation. The 2.3L four cylinder is the reliable Mazda engine to get and expect many hundreds of thousands of miles out of it. Compare it to a...
by Jack FFR1846
Wed Apr 28, 2021 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Promotion opportunity - use it or lose it?
Replies: 41
Views: 4067

Re: Promotion opportunity - use it or loose it?

Nope.

Why would you leave a job you like for a job you will hate? I don't see why this is even a question.
by Jack FFR1846
Wed Apr 28, 2021 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: credit card disputed charges
Replies: 13
Views: 828

Re: credit card disputed charges

If the cable company continues to bill you following a successful resolution in your favor, simply dispute it again and every time they bill you. The last time I did this where I spoke with the cc company, they said that my simple act of disputing the charge cost the seller $35. When it resolves in ...
by Jack FFR1846
Wed Apr 28, 2021 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Job Exit Interview
Replies: 83
Views: 7822

Re: Job Exit Interview

As an employee, there was one time where my manager picked up on a bit of “anonymous” feedback I gave about being unhappy with my compensation. He gently asked me about it in a 1:1, then to his credit he actually fixed it. I have mixed feelings about him unblinding me, but that’s the Catch-22 of an...
by Jack FFR1846
Wed Apr 28, 2021 2:33 pm
Forum: Personal Consumer Issues
Topic: Help me choose a piano for my 10-year old
Replies: 30
Views: 1979

Re: Help me choose a piano for my 10-year old

A big advantage of an electronic keyboard parallels the advantage of a solid body electric guitar with an audio interface. One can practice with very little disruptive noise to others. Same with electronic drums. In our house, one son is extremely sensitive to noise and someone banging away on an ac...
by Jack FFR1846
Wed Apr 28, 2021 10:35 am
Forum: Personal Consumer Issues
Topic: Magic Cards: How to sell with taxes in mind?
Replies: 49
Views: 4746

Re: Magic Cards: How to sell with taxes in mind?

This is interesting. I've been cleaning up the house and we have tons of magic cards all over. Both my kids were into them and I remember going to Target with my older son and buying these huge bricks of cards for over $100. We do have an active store nearby. I don't do eBay. Craigslist doesn't make...
by Jack FFR1846
Wed Apr 28, 2021 9:34 am
Forum: Personal Consumer Issues
Topic: Under $10k electric car for HS student?
Replies: 40
Views: 3135

Re: Under $10k electric car for HS student?

My youngest daughter will soon be turning 16 and I'm thinking of getting an electric car for her to use for school commuting and your basic HS running around town stuff...music lessons, jobs, friends, etc. There are few destinations in her daily life that are further than 5 miles from our house. Th...
by Jack FFR1846
Wed Apr 28, 2021 7:24 am
Forum: Personal Investments
Topic: I was investing in Roth IRA but now recently was made aware of girlfriend's ~$50k debt. Help?
Replies: 59
Views: 3898

Re: I was investing in Roth IRA but now recently was made aware of girlfriend's ~$50k debt. Help?

What built up that $10k in credit card debt? Was there a family emergency where she used credit to help short term? Or is it a case where she only ever plans to pay the minimum every month and is more than happy with paying 18% interest on the concert tickets and desert at the fun restaurant? You're...
by Jack FFR1846
Wed Apr 28, 2021 7:15 am
Forum: Personal Finance (Not Investing)
Topic: trapped in EJ by whole life insurance policy
Replies: 42
Views: 4122

Re: trapped in EJ by whole life insurance policy

EJ will likely tell you that you'll have to pay all these taxes when you surrender the policy, which you won't. I surrendered a 27 year old UL policy with a $100k death benefit and $393 annual cost. The gain I had to pay taxes on, because after all, this was such a good investment? $20. Not 20k....$...
by Jack FFR1846
Wed Apr 28, 2021 7:08 am
Forum: Personal Finance (Not Investing)
Topic: How much longer will we see this from Vanguard
Replies: 20
Views: 2890

Re: How much longer will we see this from Vanguard

Even while complaints were abundant that Vanguard holds were hours, I was able to get through to them easily. They were quite quick to give me completely wrong answers that would have cost me time in the market (tIRA swap from MF to ETF). They even followed up, sending me 2 documents supporting thei...
by Jack FFR1846
Tue Apr 27, 2021 1:02 pm
Forum: Personal Consumer Issues
Topic: First time to Hawaii with family
Replies: 55
Views: 4440

Re: First time to Hawaii with family

DW and I honeymooned in Hawaii with 5 days on Waikiki, and 3 each on Hawaii, Maui and Kuaii. One fun thing we did was to rent a couple mopeds and get out of Waikiki. Plenty of places to go and see. In general Honalulu and Waikiki are sort of big cities right next to the ocean. So your nights may be ...
by Jack FFR1846
Tue Apr 27, 2021 10:32 am
Forum: Personal Consumer Issues
Topic: duct cleaning and other cleaning
Replies: 9
Views: 638

Re: duct cleaning and other cleaning

Change your $1 furnace filter. I've scope'd my 40+ year old ducts and there's nothing in them. If you run your system with no filters, then some dust will remain in the ducts. Dryer ducts are another story. The kind if junk shown in that picture match what's in my dryer ducting. I pull apart segment...
by Jack FFR1846
Tue Apr 27, 2021 8:28 am
Forum: Personal Investments
Topic: Rebalance Question
Replies: 10
Views: 807

Re: Rebalance Question

I think you benefit for adopting a Spock logic. Say you set in your IPS a band of 5% from target in your AA (what I use). Keep track. When you hit 5% out from target, rebalance. No thinking about what equities are doing..no thinking about what bonds are doing..no thinking at all. You hit 5%, you reb...
by Jack FFR1846
Tue Apr 27, 2021 7:42 am
Forum: Personal Consumer Issues
Topic: Motobecane fantom do sport 2020
Replies: 23
Views: 1397

Re: Motobecane fantom do sport 2020

What I've done is ridden a front suspension, hard tail bike and installed a shock post. This is a replacement seat post with a spring element to absorb shocks, allowing the seat to move. I've used this for decades with great success. This keeps the bike lighter, cheaper and more rigid, which transla...
by Jack FFR1846
Mon Apr 26, 2021 9:02 pm
Forum: Personal Consumer Issues
Topic: 2011 Subaru w/ Low Miles -- Would you Buy?
Replies: 26
Views: 2096

Re: 2011 Subaru w/ Low Miles -- Would you Buy?

The 2011 Outback still has the EJ25, but well past the head gasket issues of earlier cars. The timing belt is overdue for replacement (105 months or 105k miles, whichever comes first) and won't be cheap to replace. If the car was well maintained, it will have been done and any Subaru dealer can look...
by Jack FFR1846
Mon Apr 26, 2021 10:27 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA student aid. Should I forgo Roth and use up brokerage account?
Replies: 60
Views: 3321

Re: FAFSA student aid. Should I forgo Roth and use up brokerage account?

I have a few thoughts. It depends what colleges you're looking at. As was said at a college finance seminar I went to years ago, Public colleges will look most favorably on your need base, but they have no money to give you. Private colleges have plenty of money to give you but they're going to dig ...
by Jack FFR1846
Mon Apr 26, 2021 7:45 am
Forum: Personal Consumer Issues
Topic: Snowbirds establishing FL residency from Northeast- Residency audits
Replies: 81
Views: 7919

Re: Snowbirds establishing FL residency from Northeast- Residency audits

This does not need to be difficult. If you make things complicated by owning a house in MA, then expect your estate to be scrutinized by MA. Here's how you make things easy: Buy a house in Florida. Live in your house in Florida for 5 years. Sell your MA house and close all accounts you have in MA. G...
by Jack FFR1846
Mon Apr 26, 2021 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Offered Severance Pkg.-Need advice.
Replies: 32
Views: 4905

Re: Offered Severance Pkg.-Need advice.

Personally, I would have declined the manager role. But I've been there and rejected that because I'm a technical guy and am not interested in herding cats. In addition, I always have made clear when starting a new job or new role that I work 8-5 m-f. If you need 1.25 people, then I'm going to leave...
by Jack FFR1846
Mon Apr 26, 2021 6:51 am
Forum: Personal Consumer Issues
Topic: Should I pursue a PhD in my chosen field?
Replies: 58
Views: 3462

Re: Should I pursue a PhD in my chosen field?

I'm sure you know that if you do pursue the PhD, it will consume your life for those 4 or so years. You're going to have no time for anything in your life besides the degree pursuit. I didn't see if you have a spouse and kids. If not, I'd certainly go for it. I got my Masters degree paid by my emplo...
by Jack FFR1846
Mon Apr 26, 2021 6:36 am
Forum: Personal Consumer Issues
Topic: When to change automatic transmission fluid
Replies: 62
Views: 4387

Re: When to change automatic tramission fluid

I am a DIY mechanic for most things and have owned a Camry of that same generation. I would do a drain and refill with Toyota T-IV fluid and swap out about 4 quarts of fluid. Total cost to me was about $20 and 10-15 minutes on top of an oil change. I have a Ford now that has a transmission that a l...
by Jack FFR1846
Mon Apr 26, 2021 6:26 am
Forum: Personal Consumer Issues
Topic: New Car Inventory - Change in Tactics?
Replies: 14
Views: 1973

Re: New Car Inventory - Change in Tactics?

Prices are going up. Why? The semiconductor industry and plastic suppliers for example were hit by covid when their customers refused deliveries with slow sales. This resulted in semis slowing production and plastics diverting to other products (packaging, toothbrushes etc). Demand suddenly turned a...
by Jack FFR1846
Sun Apr 25, 2021 4:59 pm
Forum: Investing - Theory, News & General
Topic: Any Reason to NOT max out I Bonds and EE Bonds
Replies: 80
Views: 7653

Re: Any Reason to NOT max out I Bonds and EE Bonds

My spouse and I have our own TD accounts, and we are each other's secondary owners each granted transaction rights. Which means we can see each other's I Bonds. If one of us predeceases the other, a death certificate and form to TD will transfer the I Bonds. Our "death book" includes an e...
by Jack FFR1846
Sun Apr 25, 2021 10:58 am
Forum: Personal Consumer Issues
Topic: Planning to buy only one tire, instead of two (on an axle, as usually recommended)...
Replies: 9
Views: 921

Re: Planning to buy only one tire, instead of two (on an axle, as usually recommended)...

If it doesn't have a limited slip differential, you've got a one wheel drive vehicle. You could literally put different size tires on each wheel and it would not hurt the vehicle. Look at old, clapped out pickups for sale. Chances are very good that you won't get even 2 tires that are the same. Not ...