Search found 113 matches

by FandangoDave5010
Wed Mar 10, 2021 1:20 am
Forum: Personal Consumer Issues
Topic: Leather vs Cloth Car Seats
Replies: 71
Views: 5359

Re: Leather vs Cloth Car Seats

My 2001Toyota Tacoma and 2010 Nissan Frontier 4WD off-road pickups both had standard leather seats. My 2021 GMC Canyon 4AT off-road pickup came with cloth seats, leather seats being available only later in the production year. My wife was unhappy. All her/our furnitures are high end leather from Nor...
by FandangoDave5010
Sat Feb 20, 2021 12:04 pm
Forum: Personal Consumer Issues
Topic: Warranty Dishwasher Repair
Replies: 14
Views: 1012

Re: Warranty Dishwasher Repair

I have been able to buy appliance parts online for out-of-extended warranty items like ovens and dryers. Refrigerators, dish washers and washing machines are more difficult to DIY because of pumps and motors. MY opinion, FWIW, is to buy an upgraded brand such as Bosch (dishwasher), Electrolux (washi...
by FandangoDave5010
Tue Jan 19, 2021 1:01 am
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 179
Views: 15740

Re: Where do you buy coffee beans?

After 20 years we stopped buying Peets Major Dickinson ground coffee at Costco at $16/2lbs. We now go through the gourmet food section at Tuesday Morning, TJ Maxx and sometimes Marshalls for discounted foreign coffee bean and pay from $5 to $8 for 8 ounces. The variety of flavors and strengths is wh...
by FandangoDave5010
Mon Jan 11, 2021 12:20 am
Forum: Personal Consumer Issues
Topic: Regrets postponing retirement too long?
Replies: 171
Views: 15589

Re: Regrets postponing retirement too long?

Health must be considered in deciding when to retire. I retired at 63, moved to Reno, Nevada to get away from the crowds and humidity of New York City. For 10 years, my wife, dog and I traveled the West with bikes hanging from the back of our SUV. Memorable trips were up the Oregon coast, down the C...
by FandangoDave5010
Sun Jan 03, 2021 1:18 am
Forum: Personal Investments
Topic: RMD @ 72 seems quite high according to calculator
Replies: 182
Views: 11186

Re: RMD @ 72 seems quite high according to calculator

Since getting RMDs 9 year ago, I have put almost all of it into a 529 College Savings Fund for my granddaughter. I don't need the money and she will be able to use it tax free when she is in college. Besides avoiding the IRS taxing the same money again plus taxing the gain, she will not have to worr...
by FandangoDave5010
Sat Dec 19, 2020 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: The pros and cons of gifting money to children early?
Replies: 162
Views: 11099

Re: The pros and cons of gifting money to children early?

I believe that our Vanguard 529 College Savings Fund for our 8 year old granddaughter is making life easier for our daughter and her husband, both of whom are teachers, now. We use our RMD each year of $20,000. We get the benefit of using cash that would earn no interest in our checking account and ...
by FandangoDave5010
Sat Dec 19, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: Who's keeping Netflix now? (price increased to $13.99)
Replies: 200
Views: 14304

Re: Who's keeping Netflix now? (price increased to $13.99)

Unlimited high speed satellite broadband suitable for streaming in rural Nevada is about $175/month. Even $17/month for Netflix would be fair, which is what I pay for a digital NY Times subscription. What I am amazed by is how little Netflix pays for foreign titles. The excellent 2020 Russian 8 epis...
by FandangoDave5010
Fri Dec 18, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: Color laser printer - worth it for intermittent light use?
Replies: 69
Views: 3018

Re: Color laser printer - worth it for intermittent light use?

I wanted to replace the color printing function of my all-in-one Epson inkjet printer. I use it mainly to make print photos of pictures stored in my computer from my camera and daily emails from my daughter (of our granddaughter the last 8 year). After going back and forth, I decided to get a LBP (l...
by FandangoDave5010
Sat Sep 12, 2020 9:49 pm
Forum: Personal Investments
Topic: How much are your 529 Contributions
Replies: 133
Views: 8029

Re: How much are your 529 Contributions

I have one grandchild, age nine. My wife and I are adequately covered by pensions and social security. Since getting RMD's from our IRA's, we have been contributing $1000/month to her 529 Account. Another $5000+ is added each year as a Christmas/Birthday gift. Her balance with Vanguard is currently ...
by FandangoDave5010
Fri Aug 21, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a new car?
Replies: 79
Views: 5591

Re: Can I afford a new car?

The question for me is usually not "Can I afford" or "Need" a new car but "Do I want a new car?" The wife wants a new car every 5 years or so, and I want a new pickup every 10 years. New cars/trucks are one of the few luxuries most middle class people can afford. We put...
by FandangoDave5010
Mon Aug 10, 2020 12:26 am
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 124
Views: 9540

Re: Mosquitos! Mosquitos! Mosquitos!

File for future reference, when you retire. Our house was near the Great Swamps in northern New Jersey. For thirty years, we put up with the mosquitos! Mosquitos, high humidity (and high property taxes) were the things we wanted to avoid in retirement. Dry Nevada high desert was the answer. At 7000 ...
by FandangoDave5010
Sun Mar 29, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6567
Views: 1451299

Re: What Movie Have You Recently Watched?

The best streaming genre for adults during the coronavirus lockdown is Nordic Noir. There are grisly killings, nudity, foul language, rape, incest, red herring chases and maybe justice at the end. The lead detective is usually a single woman, single mom or lesbian. The male side kick is usually an a...
by FandangoDave5010
Sun Mar 29, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: LG dishwasher broke again! Advice..
Replies: 25
Views: 1287

Re: LG dishwasher broke again! Advice..

Go European, even if it is made in USA. Dish washer, Bosch. Washing machine, Electrolux. GE, however, still makes great refrigerators and electric stove tops.
by FandangoDave5010
Sun Mar 29, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Costco Senior hour Tue and Thur
Replies: 70
Views: 5988

Re: Costco Senior hour Tue and Thur

My first senior hour at Costco was a nightmare. Waiting 20 minutes in the rain to get in, then 20 minutes to check out. Last Friday, it was 15 minutes in the snow to get in but no waiting to check out beyond the normal wait. Leaving Costco at 9:10 AM when regular members entered, there was no line a...
by FandangoDave5010
Sat Dec 21, 2019 11:08 pm
Forum: Personal Investments
Topic: How much in 529 is enough to fund college?
Replies: 114
Views: 11243

Re: How much in 529 is enough to fund college?

We never thought about a 529 until our RMDs started coming in from our IRAs. Not wanting to reinvest the money in another savings account, we set up a TO SPENDS checking account with Ally Bank to park RMD cash. Then our daughter gifted us with a grandchild and that gave us a better use for the money...
by FandangoDave5010
Wed Oct 31, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Electronic pest control devices
Replies: 4
Views: 736

Re: Electronic pest control devices

I have 4 devices in my basement and 3 in the garage, placed to cover all angles. I also put moth balls around in plastic cups and on the floor. And I have strips of cloth sprinkled with peppermint oil stapled to wall studs in the basement and hanging from hoses in the engine compartments of my cars....
by FandangoDave5010
Fri Apr 27, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 15324

Re: Amazon to raise Prime membership in US to $119 from $99

I don't get enough out of Prime to pay $120/year. I get the latest ebooks free from my county library. I pay too much for satellite broadband to make free Videos cheaper than Netflix. Two-day delivery never happens in my rural area. But...I subscribe to Mr. B's Washington Post. As a Prime member the...
by FandangoDave5010
Sat Feb 17, 2018 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 9502

Re: Live / work in California - Technology Career

Not on your list of California cities but consider going over the Nevada border: Reno/Tahoe is the tail of the tech triangle starting at San Jose-San Francisco (with Bay Area/Sacramento/Folsom in the middle). Apple, Switch and Google are there with Telsa/Panasonic and startups You can live very well...
by FandangoDave5010
Sun Dec 31, 2017 3:03 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178849

Re: What frugal thing did you do today?

Today I ordered a remastered 1953 recording of TOSCA featuring Maria Callas from an Amazon seller in England for a price cheaper than Amazon's . Anthony Tommasini (New York Times opera critic) says this CD is the best opera ever re-recorded. Amazon sellers usually sell the same product cheaper. A go...
by FandangoDave5010
Fri Dec 15, 2017 2:17 am
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 87
Views: 10332

Re: New Honda CRV is MotorTrend's SUV of the year

I have a 2017 Acura RDX Advanced with a V6 engine. The previous RDX had a Turbo that proved to be unsatisfactory. I read that the new RDX will bring the Turbo back.

Like the Diesel, is the Turbo really what it claims to be (do)?
by FandangoDave5010
Fri Dec 15, 2017 1:57 am
Forum: Personal Investments
Topic: How would you save for retirement if you were 28?
Replies: 11
Views: 2456

Re: How would you save for retirement if you were 28?

Don't! Invest time in getting some graduate degrees and improving your skills. Find a career that has good growth potential. Eventually get into a supervisor or management position. Once your career plan is moving along at age 40, you can start thinking about investing. Then, too, maybe think about ...
by FandangoDave5010
Fri Dec 15, 2017 1:39 am
Forum: Personal Investments
Topic: Where do I put 50k I don't need?
Replies: 25
Views: 3589

Re: Where do I put 50k I don't need?

I had $55,000 that I didn't need in an ALLY Bank savings account for several years. I wanted that money to be liquid so that 1.55% interest was OK. When our 2 1/2 year old Subaru Forester turned out to be a little bit narrow for comfort and its 2.0 Turbo engine somewhat weak on steep dirt roads, we ...
by FandangoDave5010
Fri Dec 15, 2017 1:19 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 306
Views: 31693

Re: Do people still use AAA?

I have AAA for most of my insurance needs because they have several local offices that I go to for maps, renew DMV registration and licenses. I have used their tow services only once in the last 15 years but feel safer when I and DW have them on call for when we will REALLY need them here in Nevada....
by FandangoDave5010
Sun Dec 10, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 21964

Re: Save all this money, what do you splurge on?

529 College Savings Accounts for grandchildren. With Vanguard, naturally. I attended the University of Chicago when tuition was $1000/year. It is now about $50,000/year. Doesn't matter where our grandchildren go to college. It will cost a bundle. Student Loans are a killer to pay back, so help them ...
by FandangoDave5010
Tue Nov 14, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 250
Views: 37842

Re: Why pay cash for a car?

If you have the cash and no plans on how to spend it, it is a good idea to just buy it. Last year my wife and I traded in our 2014 Subaru Forester XT plus $30,000 for an Acura RDX. The salesman begged us to take out a loan and SAVE money. Good feeling to tell him NO and drive the new car home. Why? ...
by FandangoDave5010
Mon Apr 17, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: New car...finance or not?
Replies: 17
Views: 2251

Re: New car...finance or not?

I got $20,000 on the trade for a 2014 Forester Turbo and paid $30,000 in cash for a 2017 Acura Advanced. The salesman insisted that I would save money leasing the car...rather than buying... and even went through the math with me. ( I am only getting .95% on my savings at Ally Bank and prefer to spe...
by FandangoDave5010
Mon Mar 13, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 12175

Re: Car engines. Turbo vs no turbo

I trade my 2014 Subaru Forester XT (Turbo, CVT) for a 2017 Acura RDX (V6). Reason: The Turbo and CVT lacked the power and traction to confidently make it up my 17% grade if there was snow or ice on the gravel surface. Maybe snow tire would have helped but chains, according to Subaru, are a no-no. My...
by FandangoDave5010
Thu Mar 02, 2017 4:18 am
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 14044

Re: Used German Luxury vs New Japanese

I bought a loaded 2017 Acura RDX for 50K, the price of a used BMW X5. I think I got the better deal and car if not the prestige. What puzzled me was that the salesman tried his utmost to get me to lease instead of trade+cash...and proved it by showing me the math that it was cheaper to lease. What's...
by FandangoDave5010
Sat Feb 25, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 10715

Re: Delivering a Large Check

I will never send a large bank check ($50,000) by 1st class mail again, even in a bank provided business envelope. This is the only check I have ever lost. I mailed it at a small PO substation in a mall. It took about two months to straighten out, where I closed one account and opened another at a s...
by FandangoDave5010
Sat Dec 17, 2016 12:57 am
Forum: Personal Consumer Issues
Topic: Thoughts on SUV for retirement.
Replies: 54
Views: 6591

Re: Thoughts on SUV for retirement.

SUV's have gotten too big for retired people like me (79) to drive safely...for themselves and others on the road. Smaller crossovers like the Acura RDX are nimble yet spacious (by design and a few inches added here and there). I just got a 2017 model and found to my horror that next year the RDX wi...
by FandangoDave5010
Sun Nov 27, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 15824

Why does the car dealer say leasing is cheaper than buying?

I just bought a 2017 Acura RDX by trading in my 2014 Subaru Forester XT and paying the difference in cash. The salesman and finance manager tried to convince me... by doing the math ...that I would save money by leasing for 39 months, which, they said, 90% of their customers did. Can someone explain...
by FandangoDave5010
Wed Oct 05, 2016 12:22 am
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 66
Views: 13626

Re: Recommendations for Small or Midsize SUV/Crossover

If you live in the mountains at high elevation and dozens of tight turns, you will love the Forester XT in S# mode. Smooth, steady, fast and guided into turns. The only drawback, if you live at 7000 feet on a steep dirt road (17% grade) like I do is that if you come home late at night and the road i...
by FandangoDave5010
Mon Oct 03, 2016 10:35 pm
Forum: Personal Consumer Issues
Topic: Light weight Carpet Cleaning Vaccuum
Replies: 18
Views: 4608

Re: Light weight Carpet Cleaning Vaccuum

My wife likes the Shark Rocket. Bed, Bath and Beyond has the best price if you use their discount coupon. Check it out
by FandangoDave5010
Mon Oct 03, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 27919

Re: Replace car battery after X years or wait till it dies?

I can save $25 if I replace the OEM battery myself with a Sears Diehard at the first sign of a cranking problem. Although a AAA member, I am too old to have the battery die on me in a mall parking lot.
by FandangoDave5010
Sun Sep 04, 2016 11:03 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5079
Views: 1324032

Re: What Book Are You Currently Reading? Part VI

WHITE TRASH and THE UNDERGROUND RAILROAD.
by FandangoDave5010
Mon Aug 15, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Old Age and Expensive Dental Work
Replies: 9
Views: 1491

Old Age and Expensive Dental Work

I am 80 years old and have used up my insurance allotments for expensive caps and implants. My dentist would like me to continue the "investment" in my mouth by removing caps for root canal treatment and pulling teeth for implants. My gums are sensitive in the areas that "need" w...
by FandangoDave5010
Sat Aug 13, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Vacuum Cleaners?
Replies: 25
Views: 2194

Re: Vacuum Cleaners?

From my German housewife who loves a clean house (and floors), try the Shark Rocket. The design and construction is superb; do not confuse it with earlier Shark products. It is much improved. You might be able to buy it from Bed and Bath and redeem their 20% coupon. (We bought our Shark from a selle...
by FandangoDave5010
Fri Aug 05, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 100
Views: 23073

Re: Suckered into Marriott Kauai Timeshare Presentation

I like to go with Costco Travel because they make it easy to avoid the TS salespeople at the airport. Walk pass everyone approaching you with a brisk "No Thank You" and look for the person holding up the "Costco" placard to take you to the hotel. We get annoyed if anyone at the h...
by FandangoDave5010
Fri Jul 08, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: A nice wrist watch under $1500
Replies: 42
Views: 9640

Re: A nice wrist watch under $1500

The staff gave me a silver Baume & Mercier when I retired 16 years ago. It still keeps perfect time, had 3 battery changes and no repairs. The crystal is also remarkably clear without any scratches. It still looks neat and causal when I wear it. It is a nice watch for about a $1000.
by FandangoDave5010
Thu Jul 07, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 50173

Re: Liking the new Citi CC at Costco

Clarification needed. I have been using Costco Travel a bit lately. As I understand it, Visa will give me 3% whether the travel agent is Costcotravel or someone else. Then, what does this disclaimer mean: Travel purchases are not included in the Executive Membership annual 2% reward.
by FandangoDave5010
Thu Jul 07, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5079
Views: 1324032

Re: What Book Are You Currently Reading? Part VI

James Patterson's "15th Affair" was a good read and one of the better crime stories out there. The enemies this time are spies from PRC, sort of like "The Americans" but entrenched in Silicon Valley. For mind expansion, "Digital Gold" by NY Times writer Nathaniel Popper...
by FandangoDave5010
Mon Jun 27, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 7056

Re: Recommend Ad Blockers

I use an ad blocker and even though I have a digital subscription to the NY Times ($15/mo.) the Times sent me a notice saying that I was basically taking money away from them that they needed to operate with my ad blocker. Hey, when I click on a video that is preceded by a 30 second ad for Mercedes ...
by FandangoDave5010
Fri Jun 17, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Good place to buy new washer dryer
Replies: 26
Views: 5357

Re: Good place to buy new washer dryer

We usually buy our appliances from Lowes. They have been good about refunding an item under warranty and to keep a good business relationship we would replace it with an upgrade, such as going from Samsung to Bosch. Don't know if this is gaming the Big Box Store, but we try to buy on sale days and m...
by FandangoDave5010
Wed Jun 15, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 69
Views: 29355

Re: Costco and AMEX

I have an Amazon Visa card which rewards me 3% on Amazon.com purchases and pretty much 1% on everything else. I am Costco Executive member but dropped Amex several years ago because of lack of support from them for unauthorized purchases at gas stations out of state. I was planning to use my Amazon ...
by FandangoDave5010
Sat Jun 11, 2016 12:31 am
Forum: Personal Consumer Issues
Topic: Adding Air Conditioning to an Existing Furnace
Replies: 15
Views: 11550

Re: Adding Air Conditioning to an Existing Furnace

Our house was built in 2001 with a Bryant propane furnace. We added a Bryant 5 ton air conditioner in 2007 using the existing heating ductwork. It has operated without problem except that we replaced the squirrel-cage fan and humidifier in the ductwork last year. The house was designed to incorporat...
by FandangoDave5010
Fri May 20, 2016 12:34 am
Forum: Personal Consumer Issues
Topic: Uncooperative insurance company: my car was hit and run.
Replies: 13
Views: 3129

Re: Uncooperative insurance company: my car was hit and run.

I'm retired so I had the time to go after a driver who pushed a shopping cart into my passenger-side fender in Lowe's parking lot. Since it is private property the police department did not respond, but I reported it to the local police station. When I called the driver's insurance company, American...
by FandangoDave5010
Mon May 16, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: Book List review
Replies: 3
Views: 670

Re: Book List review

For relaxation and escapism, try Norway's #1 crime writer, Jo Nesbo. Check out your local library's ebook website which may coordinate lending or buying via Amazon.com. ( Not a freeloader by using the public library. I buy several nonfiction books a month so I don't think borrowing ebooks from the p...
by FandangoDave5010
Mon May 09, 2016 2:38 am
Forum: Personal Finance (Not Investing)
Topic: How to choose homeowner's insurance?
Replies: 21
Views: 4505

Re: How to choose homeowner's insurance?

Northern California/northern Nevada AAA gives a discount on homeowner's insurance if you have their auto insurance. Last year my AAA umbrella policy (1 million) was included in my homeowner's policy without additional cost. This change may also apply in southern California, where you live.
by FandangoDave5010
Sat Apr 30, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2756
Views: 274479

Re: Netflix, Your Current Favorite Show

The Fall, Season 2 with Gillian Anderson. Serial killer drama. Wish someone would pick up Jo Nesbo's Inspector Harry Hole. Norwegian grisly killer series much like Michael Connelly's Harry Bosch.
by FandangoDave5010
Sat Apr 23, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: [Books that changed your life]
Replies: 577
Views: 63229

Re: Any books really change your outlook on life?

Holy Bible rsv: Ecclesiastes 9:9

This gave meaning to me. Maybe not everyone but available to all.