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Re: house odor after crawlspace encapsulation

Rusty, Santa Fe also makes high efficiency dehumidifiers for crawlspaces and other applications, and they have for some time. It looks like they might make the model for Honeywell, but I don't know. They are available online, and here's their website for product comparisons: http://www.santa-fe-prod...
by BillyG
Wed Oct 01, 2014 10:25 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 41
Views: 2113

Re: U.S. stocks in freefall

Yet another intense and emotional stay the course day...

...jumping out of tall buildings from the front steps.

It sure feels great to be a Boglehead.

Billy
by BillyG
Wed Oct 01, 2014 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 834
Views: 138818

Re: house odor after crawlspace encapsulation

Rusty, I think that's a good idea to try out the dehumidifier. I still wonder why the humidity is so high. Is there a loose crawlspace door? No signs of any water (or sewer) leaks, right? The smell is strange. It may be worth having your encapsulation guy come out and take a look and a sniff. Good l...
by BillyG
Wed Oct 01, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 41
Views: 2113

Re: house odor after crawlspace encapsulation

rusty, I may have missed it if you answered, but does your crawlspace have air conditioner or dehumidifier in it? There is a small outlet from the main HVAC supply plenum, as per code. I do have a stand-alone dehumidifier that I could try putting down there. As humidity is only 70%, and a good bit ...
by BillyG
Wed Oct 01, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 41
Views: 2113

Re: house odor after crawlspace encapsulation

DireWolf, If you read the links I sent you will see this subject is not controversial except by those who have an "opinion" not based on facts -- it is backed up with PhD studies and pretty obviously moldy vented crawlspaces in existing houses. It's not really reasonable to expect a contr...
by BillyG
Tue Sep 30, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 41
Views: 2113

Re: house odor after crawlspace encapsulation

Saladdin,

You are correct. Ideally a crawl space should be built as a conditioned basement. Retrofits are more difficult.

A vented crawl space might be like living in a trailer with the underfloor area open to the weather...

Billy
by BillyG
Tue Sep 30, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 41
Views: 2113

Re: house odor after crawlspace encapsulation

DireWolf, If you read the links I sent you will see this subject is not controversial except by those who have an "opinion" not based on facts -- it is backed up with PhD studies and pretty obviously moldy vented crawlspaces in existing houses. It's not really reasonable to expect a contra...
by BillyG
Tue Sep 30, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 41
Views: 2113

Re: house odor after crawlspace encapsulation

We have a crawlspace. It has many vents. I suspect they might be there for a reason. There's new thinking on the subject of crawlspaces....seems it's now the rage to seal them up, vents and all. If you've got any moisture problems at all in your crawlspace (and I've never owned a house that didn't)...
by BillyG
Tue Sep 30, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 41
Views: 2113

Re: house odor after crawlspace encapsulation

You did the right thing to seal and insulate your crawl space. In most climates a vented crawl space is a really bad idea and you are asking for problems. Like someone said, maybe there is a dead animal or a leak somewhere. 70% humidity is really high so you do need a dehumidifier. Many suggest that...
by BillyG
Tue Sep 30, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 41
Views: 2113

Re: Bill Gross moving from PIMCO to Janus, Monday

Maybe they had to get rid of Bill Gross to talk El-Erian into coming back? But this is pure speculation...
by BillyG
Fri Sep 26, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 107
Views: 8183

Re: headphones for running

by BillyG
Fri Sep 26, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 40
Views: 1550

Re: Will Bill Gross beat the Total Bond Market Index?

I think it is very likely that, in general, PIMCO Total Return (PTTRX) has slightly higher return and slightly higher risk than Vanguard Total Bond (VBMFX). I think it is possible that some of that risk will eventually show up as a sudden unpleasant surprise, like it did in 2011 .Of course I am a J...
by BillyG
Fri Sep 26, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5727

Re: Bond King Gross to leave Pimco for Janus

Could it be connected to this, below? It's probably not directly related.
viewtopic.php?f=10&t=147515
by BillyG
Fri Sep 26, 2014 8:53 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 107
Views: 8183

Re: "Pimco ETF Draws Probe by SEC"

Here's another thread on this I started last night. I like the chart you posted.

viewtopic.php?f=10&t=147515

Billy
by BillyG
Wed Sep 24, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco ETF Draws Probe by SEC - ETF Returns Inflated?
Replies: 22
Views: 1535

Pimco ETF Draws Probe by SEC - ETF Returns Inflated?

News item: Pimco ETF Draws Probe by SEC Regulators Are Probing Whether Returns Were Artificially Inflated for an ETF at Bill Gross's Firm http://online.wsj.com/articles/pimco-etf-draws-probe-by-sec-1411524226?mod=djemalertMARKET Use a Google search on the title to get past the paywall. If true, I wo...
by BillyG
Tue Sep 23, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco ETF Draws Probe by SEC - ETF Returns Inflated?
Replies: 22
Views: 1535

Re: How to pay for Home Addition

Even architects can lead you astray, especially if they have no real understanding about the details of modern construction and the CURRENT construction costs. In particular, very few understand how to design with air sealing and modern insulation approaches in mind. I think most architects fall int...
by BillyG
Mon Sep 22, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: How to pay for Home Addition
Replies: 20
Views: 1689

Re: "Why 97% of People Don't Use 529 College Savings Plans."

529 saving plans can help behaviorally and force good discipline especially if using automatic investments. That's one of the benefits of 401(k)s as well, in addition to the tax benefits. The withdrawal penalty can be a blessing (to reinforce discipline) or a curse (if you really NEED to get to the ...
by BillyG
Thu Sep 11, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10609

Re: Sump Pumps

Regarding sump pumps, the building department relayed the following: "This house is built on sand with excellent drainage. No foundation drainage system was required for this dwelling. I did suggest to the builder to install an optional sump pit in the floor slab for a future pump if required,...
by BillyG
Mon Sep 08, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Sump Pumps
Replies: 11
Views: 844

Re: Any Tips on wintering in the Bahamas ?

I've spent a lot of time in the Bahamas out-islands since 1979, and cruised to many of them on a boat including uninhabited islands. Nassau and Freeport only when I had to... so I cannot give you much specific advice... It is expensive because of the high duties (they know it would be impossible to ...
by BillyG
Sat Aug 30, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Any Tips on wintering in the Bahamas ?
Replies: 29
Views: 2914

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Published prediction articles very often "seem[] well reasoned" My posting from a similar board made moment ago : "I could predict that the Buffalo Bills will win the 2015 Super Bowl. If I'm correct, I can remind everyone. If I'm incorrect, nobody will remember." It is not a pre...
by BillyG
Thu Aug 28, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3042

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Some of his "advice" in the article was troubling. Closed-end investment companies that hold municipal bond portfolios are traded on national exchanges at discounts from their net asset values and with yields over 6%. While they employ moderate leverage, and therefore do involve some extr...
by BillyG
Thu Aug 28, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3042

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Published prediction articles very often "seem[] well reasoned" My posting from a similar board made moment ago : "I could predict that the Buffalo Bills will win the 2015 Super Bowl. If I'm correct, I can remind everyone. If I'm incorrect, nobody will remember." It is not a pre...
by BillyG
Thu Aug 28, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3042

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Wow -- these are some strong comments here stating that the article makes a "prediction" or that Malkeil is somehow viewed as a "guru." Maybe folks had too much caffeine this morning and think they themselves are the gurus. Malkeil is a respected author and his books are highly r...
by BillyG
Thu Aug 28, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3042

Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

"Are Stock Prices Headed for a Fall?" Link to wsj.com http://online.wsj.com/articles/burton-g-malkiel-are-stock-prices-headed-for-a-fall-1409178881 open link: http://omnifeed.com/article/online.wsj.com/articles/burton-g-malkiel-are-stock-prices-headed-for-a-fall-1409178881 Article seems we...
by BillyG
Thu Aug 28, 2014 7:40 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3042

Re: Global entry and Nexus (not the phone)

The card is pretty worthless. I have never had to use it but some people use it to keep track of their trusted traveler ID. Put Global Entry info in your airline profile and the TSA Pre goes on your boarding pass automatically, unless they randomly bump you back to regular security which they do occ...
by BillyG
Mon Aug 25, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Global entry and Nexus (not the phone)
Replies: 16
Views: 1130

Re: Driving in Costa Rica

We went to Costa Rica last Christmas and rented a car from SJO airport to the Arenal area. You absolutely do NOT need 4WD if all you are doing is driving to Arenal and around the surrounding area. The roads are not bad at all (for that trip -- in other parts of the country they may be much worse) bu...
by BillyG
Fri Aug 22, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Driving in Costa Rica
Replies: 23
Views: 1685

Re: Solo 401k-Wife Question

You can contribute the maximum to an IRA, and it may or may not be with pre-tax money depending on your income and situation. Then roll over the IRA into the 401(k) if that's where you want it, but it will be at the IRA limit, not the 401(k) limit. Be sure to get a solo 401(k) that accepts rollovers...
by BillyG
Thu Aug 14, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k-Wife Question
Replies: 4
Views: 340

Re: Any Opinions on Mirrorless Cameras?

I was about to jump into mirrorless territory but instead bought a Sony RX100. The Sony has a much larger sensor than the compacts but not as large as the mirrorless cameras. The photo quality is really good and the electronics, focusing and processing are superb. The lens is not interchangeable but...
by BillyG
Wed Aug 13, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2112

Re: Copyright question

Here are some copyright FAQs, including how to copyright your sightings of Elvis (take a look, I am serious).
http://copyright.gov/help/faq/index.html

Billy
by BillyG
Tue Aug 12, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1498

Re: Copyright question

A month ago I made a presentation on a topic I have created myself. It's a mix of science (Behavioral Economics) and personal relationships (Dating), or BED. The presentation went well and several people asked for a copy of my slides, because the conference itself does not maintain a database of pr...
by BillyG
Tue Aug 12, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1498

Re: Sources for Discovering Dishwasher Quality

I second the commenter who suggested Gardenweb: http://ths.gardenweb.com/forums/appl/ Consumer Reports is practically worthless for this sort of thing. There is no "best" dishwasher or fridge or anything else -- it is about tradeoffs and preferences in addition to quality. Also, don't be m...
by BillyG
Tue Aug 12, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Sources for Discovering Dishwasher Quality
Replies: 36
Views: 1919

Re: Questions from a novice

OP, more details are needed. In the ORP do the matching funds vest immediately, or in 30 years, or some time in between? It sounds like a great deal in any event but it would be good for you to dig deep and study the details of the plans so you can figure out how they work as well as describe them h...
by BillyG
Fri Aug 08, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions from a novice
Replies: 17
Views: 962

Re: Cancun Hotel Recommendation wanted.......

Cut-throat, My wife used to go to Cancun 30-40 years ago when there were just a few hotels there. You wouldn't believe what they have done and she doesn't like it anymore... Have a great time down in Sian Kaan. I haven't been down as far as Grand Slam Lodge -- only drove about 20 miles south of Tulu...
by BillyG
Fri Aug 08, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Cancun Hotel Recommendation wanted.......
Replies: 10
Views: 711

Re: Stop Passing Up This Great Deal - In Money Magazine

Being in a much higher tax bracket at retirement than I was early in the accumulating stage, I wish I had Roth accounts available to me then. I agree that if you cannot contribute to the limit of a Roth then contribute a higher amount in traditional. But if you can contribute the full amount in a R...
by BillyG
Fri Aug 08, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11331

Re: Cancun Hotel Recommendation wanted.......

If you are going fishing down in the Sian Kaan preserve, that is gorgeous! I guess I will try to talk you out of Cancun too. I did something similar to you -- tacked on Cancun for a few days after a trip further south. I hated Cancun and won't go back, even though we had a killer suite on the front ...
by BillyG
Thu Aug 07, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Cancun Hotel Recommendation wanted.......
Replies: 10
Views: 711

Re: Advice: Remodel of kitchen, bath, and basement?

The advice so far is good. Some porcelain tile is better than others. SpectraLock epoxy grout is great stuff -- as long as they do the cleanup correctly. Also, us Kerdi for waterproofing under the tile in showers and bath surrounds. A good architect will pay dividends... but sometimes it is hard to ...
by BillyG
Mon Aug 04, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Advice: Remodel of kitchen, bath, and basement?
Replies: 30
Views: 1489

Re: Advice: Remodel of kitchen, bath, and basement?

If you've never done this then I suggest you do just one bath or maybe the basement first. Then apply what you've learned when you do the other renovations. It is risky to do all of this at once if you've never been through all of this and you don't know FOR CERTAIN that your contractor is top notch...
by BillyG
Mon Aug 04, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Advice: Remodel of kitchen, bath, and basement?
Replies: 30
Views: 1489

Re: Are you feeling squirrely about your stocks?

Squirrels are conservative investors. Notice how they eat what they need and then "squirrel" away their acorns (bonds) for later consumption? Invariably some of the buried acorns grow into oak trees and produce more acorns -- the acorns that grow are known as "stocks." Maybe ther...
by BillyG
Mon Aug 04, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Are you feeling squirrely about your stocks?
Replies: 9
Views: 958

Re: Wall Street Journal Subscription Increase

I have found that if one reads The Wall Street Journal, there really is not a need for any other business publications such as Barron's, BusinessWeek, etc. unless one has a personal preference. It just struck me [and I should be embarrassed since this is Bogleheads with a focus on finances] but I h...
by BillyG
Sun Aug 03, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 29
Views: 2367

Re: Thanks Bogleheads

What a nice blast from the past!

It was a "financial plan" that lead me to Bogleheads as well. Like most plans, it was labeled with my name instead of being honest that it was actually the advisor's financial plan...

Billy
by BillyG
Fri Aug 01, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Thanks Bogleheads
Replies: 8
Views: 1013

Re: How Much Did You Lose Today?

SGM wrote:I haven't looked. Wouldn't you know it my last day of work and the Dow loses 300 plus points. Still I had the best night's sleep I have had in a while. :sharebeer


A big congratulations!!!

Billy
by BillyG
Fri Aug 01, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15043

Re: Can't decide final New Construction Option for Master Ba

Why can't you do exactly what you want? Are these the builder package limitations? Talk to the builder about other possibilities... I would go for Option 2 and skip the tub unless you or the other Master wants a tub. And get the tile you want or you will always regret it. Make sure they use Kerdi wa...
by BillyG
Fri Aug 01, 2014 12:00 am
 
Forum: Personal Consumer Issues
Topic: Can't decide final New Construction Option for Master Bath
Replies: 16
Views: 998

Re: How Much Did You Lose Today?

I had new money to invest today so I bought Total Stock Market Index at the end of the day. It's great to get it at a discount compared to yesterday. I wonder how much I saved today?

I didn't sell any funds today so I didn't "lose" anything.

Billy
by BillyG
Thu Jul 31, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15043

Re: How many families use 529 plans?

I started 529s for my two children as soon as they were born. The power of automatic deposits and compounding is amazing... and I get MD state tax breaks. I also periodically increase my automatic contributions as my income has increased. It started at $200/month (or was is $100/month??) and it is n...
by BillyG
Thu Jul 31, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6675

Re: "What Has Time Taught Bill Bernstein?"

I'm reading this book this week, on vacation. Today I read through a tough part and took a nap on a bench by a lake before going for a swim. It was a good day. Thanks, Bill!
Billy
by BillyG
Fri Jul 25, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: "What Has Time Taught Bill Bernstein?"
Replies: 19
Views: 3987

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

There are too many contingencies here -- you have no idea if he will file bankruptcy and it is kind of strange your "friend" raised this issue that he "might" file for bankruptcy. Doesn't he or his employer have insurance covering his healthcare work? Even if he loses the case th...
by BillyG
Thu Jul 17, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7856

Re: Costa Rica

The Monteverde Cloud Forest is amazing if you like wildlife and gorgeous nature and scenery, and at almost a mile high it is cooler than the beach areas.

Tripadvisor is your friend.

Billy
by BillyG
Tue Jul 15, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 11
Views: 1795

Re: A Big Thank You After Visiting Accountant

I wish I could call myself a "younger" member but I'll have to leave it as a "newer" member.

I truly appreciate all of the fabulous advice here and the passion for accurate thinking and high ethics. Thanks everyone.

Billy
by BillyG
Sat Jul 12, 2014 5:48 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: A Big Thank You After Visiting Accountant
Replies: 17
Views: 2724

Re: Contractor Messed up

No, don't ask for a discount for your time and delay. If you had a time schedule in your contract and they didn't meet it, that's a different story. Remember, they are spending extra time on this and even though it's not your fault it is real money to them. Investing extra time and project delays ar...
by BillyG
Fri Jun 27, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2979
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