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Re: Investing in Startup My Father Is Joining as Founder

Maybe Dad is giving you a chance to "see how you do". Do your due diligence on the opportunity, make your decision & have a conversation with your dad about it. Even after whatever analysis you do, I'm agreed with others - I like the "set the money on fire" analogy. It had be...
by Bengineer
Thu Sep 18, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in Startup My Father Is Joining as Founder
Replies: 16
Views: 1721

Re: Hi performance fleece jacket

I would add Marmot to the list.
by Bengineer
Mon Sep 15, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Hi performance fleece jacket
Replies: 9
Views: 1114

Re: Car Advice: When to Replace?

... What I've been pleasantly surprised to discover is that the advances in short-term vehicle rental have made it quite easy to rent a cargo van or pick-up truck when such needs emerge. I can get a large cargo van for 90 minutes, at $24, taxes and fees included, with very fast transactions. I'm un...
by Bengineer
Sun Sep 14, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Car Advice: When to Replace?
Replies: 37
Views: 2773

Re: Car Advice: When to Replace?

... What I've been pleasantly surprised to discover is that the advances in short-term vehicle rental have made it quite easy to rent a cargo van or pick-up truck when such needs emerge. I can get a large cargo van for 90 minutes, at $24, taxes and fees included, with very fast transactions. I'm un...
by Bengineer
Sun Sep 14, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Car Advice: When to Replace?
Replies: 37
Views: 2773

Re: New Roof Needed Soon... Advice?

What about the noise? It's similar to washing your car and hitting it with the hose full on. It's much less force, but there's a lot of roof area. I'll bet it's really loud in a downpour. I think it depends on whether the metal roof is over a solid roof deck or on purlins, as with an agricultural b...
by Bengineer
Fri Sep 12, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 2977

Re: Suggestions /Advice for a fresh college graduate

Son, I wish you the best with your career. Moving back home after graduation is not an option. Good luck.
by Bengineer
Fri Sep 12, 2014 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 29
Views: 1565

Re: The daddy of all grill islands

I have a gas grill, charcoal grill, and smoker. Grills are easy. Not much to them. Built in grills look nice, but they are expensive. I am too cheap to spend that kind of money. I bought a large gas grill with lots of horsepower. It works great. I added fire bricks to fill the voids. I also put a g...
by Bengineer
Fri Sep 12, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: The daddy of all grill islands
Replies: 35
Views: 2772

Re: New Roof Needed Soon... Advice?

I will go with a metal roof when the time comes. http://www.mrmoneymustache.com/2014/03/24/how-to-install-a-metal-roof/ I read this mmm article as well. I found it enlightning. My takeaways were that: ⋅ There are metal roof systems that install in a manner similar to aluminum or vinyl sid...
by Bengineer
Fri Sep 12, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 2977

Re: Refrigerator problem

... With the compressor acting erratic, (voltage pull) it could be a problem with the outlet. Worth a try. Agreed. It might be low likelihood, but is easy to test. - You could also pull the fridge out and use a voltmeter or kill-a-watt to monitor the voltage where it is now plugged in while the fri...
by Bengineer
Fri Sep 12, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 19
Views: 1486

Re: I've been going all tax-deferred, considering to go taxa

You only get one shot at tax-deferred every year. SEP -> self employed -> variable income. You are making a boatload of cash now, but your income may change in coming years, or you may choose employment with a firm that doesn't offer a deferment option. Assets in taxable give you options: capital to...
by Bengineer
Wed Sep 10, 2014 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've been going all tax-deferred, considering to go taxable.
Replies: 37
Views: 3479

Re: Which 4 door with 250+ hp

I'm in the VW hatch and manual trans camp as well. The VWs don't have the reliability #'s of the top 3 Japanese, but I've had good luck with the 3 I've owned - 2 GTI's and an R32. To me, not only are they fun to drive, but have good seats and otherwise well laid out interior for longer drives, but a...
by Bengineer
Tue Sep 09, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8003

Re: Bad water pressure in house

If you have a hose bib where your water enters the house, you could hook up a pressure gauge . Now you can test the pressure there with nothing on in the house and with a few taps on. if the pressure doesn't drop much, you have some sort of flow restriction downstream of the bib in the house and if ...
by Bengineer
Sun Sep 07, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Bad water pressure in house
Replies: 11
Views: 1191

Re: Lawnmower/gas issues

1. It could be bad gas. Drain the gas tank. Then also drain the carburator before refilling the tank. 2. Remove the air filter. If the mower starts, then replace filter. Hope this helps, Steve My first thought as well - bad gas or water in the tank. Drain, clean out the tank, get fresh gas. Drainin...
by Bengineer
Fri Sep 05, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2029

Re: Kitchen "Backsplash" question

If you cook much, there is just going to be splatter, grease and general mayhem around the stove from time to time. :happy How about a stainless steel backsplash with a brushed finish? Box stores sell them in standard sizes. You can also get a sheet metal shop to cut you one. You can mount it with c...
by Bengineer
Wed Sep 03, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen "Backsplash" question
Replies: 14
Views: 1935

Non-qualified pension plan taxation

We have a non-qualified pension from a former employer. They state that the IRS requires that the previously untaxed present value of the benefit be declared as wages for FICA & Medicare in the year employment terminated and so will report an additional XXXXX as wages on this year's W-2. I have ...
by Bengineer
Fri Aug 29, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Non-qualified pension plan taxation
Replies: 4
Views: 268

Re: California residents - do you have earthquake insurance?

I came to the conclusion that it wasn't a good value for us. We're a few miles from the nearest fault and on solid ground. The likelihood, cost, exclusions and deductible, coupled with the possiblility of a percentage of claim payout if there is a "big one" just didn't seem to pencil out t...
by Bengineer
Thu Aug 28, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 54
Views: 3195

Re: Carrara Marble - Large Orange Stain

If you think it is rust, have you tried Whink Rust Stain Remover?
by Bengineer
Wed Aug 20, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Carrara Marble - Large Orange Stain
Replies: 13
Views: 1330

Re: Motorcycle for short commute?

... Have you considered an ice pack? A pint of ice cubes in the leg of old pantyhose down the back of a (tight) cycling jersey is traditional, but there are probably more sophisticated solutions. This might just be the think outside the box idea of the day! There are all sorts of wearable cooling p...
by Bengineer
Tue Aug 12, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 63
Views: 3762

Re: Advice on setting up home gym

We also used horse mats as well over a hardwood floor. ~3/4" thick, firm. I think ~4x6 as Rooster1. No worries about dropping a dumbbell, kept the elliptical & stairclimber feet from abrading the floor and in place. At the time we got them, they were both cheaper and more substantial than t...
by Bengineer
Sun Aug 10, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1295

Re: Insulation Question

Blow in more cellulose. Install baffles first so the soffit vents won't be blocked by the additional insulation. If you contract it, check the corners & nooks for the proper depth afterwards. As noted check the EPA website for recommneded R-value for your locale. Blown-in cellulose is more dense...
by Bengineer
Fri Aug 08, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Insulation Question
Replies: 25
Views: 2042

Re: How often do you replace bath towels?

I'm in the "enter the house" camp. We get new ones every couple years when "she who decides these things" desires a new look, feel or drying quality. The perfectly good, but now out of favor ones drop a rung to dog washing, spill cleanup, packing/padding, hardwood-floor-drying-af...
by Bengineer
Fri Aug 08, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 3980

Re: Kitchen Remodel... Or Not?

... A couple notes: we're not knocking down walls--I think you'd characterize this as a (significant) facelift. New flooring/counters/sinks also a new island and some new cabinetry. I don't expect any return out of this which is the main reason I have a hard time justifying the expense. The informa...
by Bengineer
Tue Jul 29, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2939

Re: Hints on Tri-Tip

A tri-tip is a beautiful thing. Not so many years ago, it was hard for us to find on the east coast. I like most of the visible fat trimmed, dry rub - as simple as salt & pepper, indirect over charcoal with a chunk of pecan in a kettle grill @ something like 350 or so for about 45 mins till 120i...
by Bengineer
Thu Jul 17, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Hints on Tri-Tip [Cooking]
Replies: 29
Views: 2383

Re: Car did not start: To dispose? How?

You could also get a "battery tender" if you are going to be leaving it for a while that will keep a trickle charge on the battery that will greatly extend it's life. My brother uses one on his 1970 Chevelle between crankings. The AAA guy said that if the car would be sitting for several ...
by Bengineer
Fri Jul 11, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5665

Re: Replacing the front door to house

OP, you are looking to replace just the "slab door". Measure the width and height. if it is, say 36" wide x 80" high (or another common width & height) or within an inch or so, you are likely to be able to order a standard size slab you like the looks of from a box store or a...
by Bengineer
Tue Jul 08, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Replacing the front door to house
Replies: 20
Views: 3137

Re: Staking Tomatoes

I didn't like the cages, which limit access for suckering / pruning / harvest, or single stakes which didn't support more than one "cane" so well. I rip an 8' 2x4 in half and then another in 4ths to make two posts + 4 8' crossbars for a 6'+ trellis for 3-4 tomato plants, which I tie up to ...
by Bengineer
Thu May 22, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Staking Tomatoes
Replies: 20
Views: 1069

Re: Help with Patio! -- Pavers v. Concrete

I concur with the others on not skipping the base prep. That is what gives you a stable paver (or concrete) surface. I'm sure there is a standard prep for your location & soil. Likely a large paver source like a major stoneyard will have guidance on this. With your rainfall, make absolutely sure...
by Bengineer
Wed May 14, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Help with Patio! -- Pavers v. Concrete
Replies: 25
Views: 2467

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

Thanks Bengineer. What strikes me most about your mower deck is how clean it is! You definitely have different grass that I do. You're not in New England, I take it? After 20 minutes my mower was caked with mulch, with a big wad packed against the clip director. The picture in the following post wa...
by Bengineer
Mon May 05, 2014 1:21 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9472

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

... This is a picture of the underside of the HRR216PKA, taken from the owner's manual: http://i57.tinypic.com/w9fsid.jpg ... Only on BH can you get detailed pix of the underside of the deck of a mower! Here are a couple pics of the underside of my HRR216PDA, without the mulching plug: http://i58.t...
by Bengineer
Thu May 01, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9472

Re: Converting a screened in porch to 3 season glass porch

A different approach would be a clear vinyl enclosure (think boat cockpit & restaurant seating enclosures) that roll down & maybe zip at the corners. That would make it more useable in cooler weather and likely could be removed during the summer. I don't know how much it would help with poll...
by Bengineer
Wed Apr 30, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Converting a screened in porch to 3 season glass porch
Replies: 8
Views: 838

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

...However, in reading other comments it seems that moisture is a factor, and that the problem could be caused by clippings clogging the underside of the deck to the point where it flattens the uncut grass. Was the lawn dry or damp? Was the test run long enough to accumulate a wad of mulch? Thanks ...
by Bengineer
Tue Apr 29, 2014 12:26 am
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9472

Re: Oyster Knife/Shucker

I have a Messermeister SS shellfish opener & knife. It's perfect for oysters - short & stout with a good point to get into the hinge and enough blade to cut the muscle free from the shell.

A dozen Hama Hama oysters, a wedge or two of lemon and a glass of Schramsberg Brut ... :D
by Bengineer
Mon Apr 28, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Oyster Knife/Shucker
Replies: 9
Views: 1769

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

No uncut grass on my 15 year old Honda mower. Twin blades mulch well. Now getting the engine to start, that's a different matter. Veering off topic ... I own the HRR216PDA. The twin blades do cut the clippings into finer pieces == more in the bag. If you're having trouble starting it (assumig fresh...
by Bengineer
Sun Apr 27, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 9472

Re: Earthquake insurance in California

Do we have it? No. Would I recommend it? Depends. As noted by several, the insurance is expensive, the deductible is huge and it doesn't cover possessions, among other things. We're on solid ground a reasonable distance from any (known) faults. My take is that it would take "the big one" t...
by Bengineer
Tue Apr 01, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance in California
Replies: 27
Views: 1775

Re: Do you have hardwood or tile in your kitchen?

We have hardwood (#1 red oak) in the kitchen. It's about 15 years old and has held up well. We had it re screened about 5 years ago (basically a reapplication of stain and urethane sealer short of a full, down to the bare wood refinishing) and it looks great... Getting the floor re-screened before ...
by Bengineer
Mon Mar 31, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3496

Re: Kitchen Renovation: Go big....or not?

2 does. For starters, it will be much quicker to plan - which sounds good since it sounds like the current one is in poor repair It will be quicker to do so your family will be without a kitchen for less time How much it costs is not just less, but also more certain. You start major remodels and yo...
by Bengineer
Fri Mar 07, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Renovation: Go big....or not?
Replies: 25
Views: 1985

Re: Attic Insulation Retrofit: Spray Foam Insulation

OP, a couple thoughts. I am in the conventional seal the envelope and ducts, then add duct & ceiling insulation camp. You mentioned low pitch - If you do go with foam, it will be difficult for the foam contractor to get to the outside walls, seal up your vents, etc. Foaming also involves some sk...
by Bengineer
Thu Feb 20, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 40
Views: 4026

Re: Remodeling Options

I believe you'd be well served by getting a couple more serious bids from contractors that come recommended. We had a 30% range for a substantial remodel. We asked for and got bids with line items for the major materials and labor for the construction phases from a full set of construction plans. I ...
by Bengineer
Tue Feb 18, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Remodeling Options
Replies: 8
Views: 1295

Re: If it's not broke - don't fix it?

I'm with Grt2bOutdoors. If you're not the figure-it-out-yourself type, you'll need to find trustworthy contractors, which is no small feat. If the house has asphalt shingles, figuring out the remaining life of the roof should be fairly easy. The AC & Furnace can run for many years if well mainta...
by Bengineer
Mon Feb 10, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: If it's not broke - don't fix it?
Replies: 4
Views: 651

Re: 100% Equities until age 55-58

I too spent much of my investing life with a nearly 100% equity allocation. My tolerance for a 100% equity portfolio being cut in half, as in '00 and '08, was affected by the size of the loss relative tomy annual income. It's one thing to see a year or so's income evaporate and another to see a deca...
by Bengineer
Wed Jan 22, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: (UPDATE: Scratch This Plan) 100% Equities until age 55-ish
Replies: 106
Views: 6993

Re: How do you buy a weekend car?

I'm voting for "1967 - 1969 Camaros". I'm thinking you're all about the fun, smoking the tires, the beautiful cadence of a V8 exiting through headers and glasspacks, the wrenching on it, vs the absolute performance numbers, safety features, etc. A Z/28 ragtop with a hi-perf motor and 4 spe...
by Bengineer
Tue Jan 21, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: How do you buy a weekend car?
Replies: 18
Views: 1754

Re: Impending Bond Crash - What NOT to do!

The discussion reminds me of an article in The Economist last month: ... http://www.economist.com/news/finance-and-economics/21591875-inflation-falling-bonds-are-unloved-bond-bears Thanks for the link. I'm thinking There is scope for a nasty surprise in 2014 as well. The US equities market is all t...
by Bengineer
Fri Jan 17, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Impending Bond Crash - What NOT to do!
Replies: 50
Views: 6647

Re: Did you have a Lousy Job as a teen / young adult?

Pulled tobacco a few summers. After scraping the gum off my hands and clothes with a putty knife, I've never consumed any tobacco product as a result. Shagged / washed /gassed rental cars. My hands are a bit gnarlier than they shoud be. Mixed & wheelbarrowed mortar to 3 masons building a home af...
by Bengineer
Fri Jan 17, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you have a Lousy Job as a teen / young adult?
Replies: 127
Views: 5486

Re: Biggest regrets in your life in financial investment?

I'm surprised no one went for this soft pitch: "Not finding this forum sooner!" :) I think mine is not becoming aware of investing principles - allocation, diversification, taxable vs deferred until midlife. I got a fairly good education in evaluating individual stocks and bonds growing up...
by Bengineer
Fri Jan 17, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 8063

Re: Does it really make sense to max out tax-deferred?

I think of having assets in taxable / deferred / free as tax diversification and increased options. JV, you might reach financial independence and want to retire (or do less / something else ...) before 58. Flexibility in funding the 5x-6x period would be nice. Tax law will change. Her 403b might of...
by Bengineer
Wed Jan 15, 2014 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Does it really make sense to max out tax-deferred?
Replies: 40
Views: 4188

Re: AA in Retirement: Jane Bryant Quinn

Buckets, shmuckets! :D A simple allocation path makes more sense to me. I'm in agreement with billyt here. I think my need and ability to take risk will be at a minimum when I retire. I'll have used up my human capital and I won't yet have a good feel for post-retirement spending / costs. Moving, tr...
by Bengineer
Tue Jan 14, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: AA in Retirement: Jane Bryant Quinn
Replies: 46
Views: 3811

Re: High Earners - What's Your Profession?

fishnskiguy wrote:Retired nuclear powered submarine captain.


Our mundane careers pale in comparison!

Software engineer, mostly.

Follow what it is you love to do. Just make sure you love to do something that people find valuable. :)
by Bengineer
Mon Jan 13, 2014 12:30 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28548

Re: Midlife rent vs. first-time purchase: please help!

One option might be to rent a detached SFH for a while and see how you like it as a bridge between apt/condo & owning. Being handy and doing yardwork kinda come with owning a house. You can contract repairs & maintenance, of course.
by Bengineer
Sat Jan 11, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Midlife rent vs. first-time purchase: please help!
Replies: 38
Views: 2244

Re: when you reach"your number"

I went with "work less". I view reaching my number as Financial Independence. I can now choose what work I take on, how much, where and with who I work. I'm warming up to the Retire Early part. :)
by Bengineer
Thu Jan 09, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: when you reach"your number"
Replies: 84
Views: 9124

Re: Upgrade baseboard heaters?

I too suggest improving your air sealing and then your insulation before adding heating capacity. Thoughts & advice: Your utility might offer a free or discounted energy audit. The key is to be present and ask questions about where the air leaks are and whether / how much insulation there is in ...
by Bengineer
Wed Jan 08, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Upgrade baseboard heaters?
Replies: 35
Views: 1729
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