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Re: house odor after crawlspace encapsulation

any change in odor?
by Easy Rhino
Wed Oct 29, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3435

Re: Do you regret buying your home?

we've just had our first house for a year, and yep, I have regrets quite often. Mainly about repairs and renovations. and the increased cost, of course. (ironically, not the things listed as regrets in the original survey, we researched those). But other times I appreciate the advantages. But my exe...
by Easy Rhino
Thu Oct 23, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6795

Re: FIOS [versus cable]

So for those of you who have or had FIOS, is it true you'll never go back to cable cause it is that much better and more reliable? Part of your evaluation of FIOS vs Cable is going to depend on the quality of the actual, physical infrastructure (e.g. coaxial cables, head nodes, etc.) for the cable ...
by Easy Rhino
Wed Oct 22, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 46
Views: 3551

Re: Does your ROTH hold risky or stable items?

both, I have REIT, small cap value, and TIPS.

The reason I have them is not for specific riskiness, but because I can get funds that I can't get in my work 401k.
by Easy Rhino
Tue Oct 21, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3393

Re: What Are We Doing To Our Young Investors?

this started off weak, got better, and then lost me near the conclusions again. I kind of like the concept of investing in a conservative 'starter portfolio' until six months salary has been saved. However, what I don't like is the assumption that the 401k is the right place to save this emergency s...
by Easy Rhino
Mon Oct 20, 2014 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4148

Re: Gas stove features

so I think what you really want is a "range", a stovetop and an oven in one piece. We have a very cheap gas range. It was installed by the flipper who sold us the house. Cheapest possible gas GE model basically. Variable burner strengths would be nice. Both low and high. Even though our bu...
by Easy Rhino
Mon Oct 20, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Gas stove features
Replies: 12
Views: 1028

Re: When to think about tax lost harvesting

for me it was also "is it worth my while" to switch. So the unrealized loss, and the tax savings from the loss, would have to be worth my time. In 08-09 it was pretty epic, so I'd usually wait until it was a grand or two. Also I weighted against how much I desired the investment I would be...
by Easy Rhino
Sun Oct 19, 2014 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to think about tax lost harvesting
Replies: 19
Views: 1428

Re: house odor after crawlspace encapsulation

Rusty, just curious if you had plugged in a humidifier yet or done any other changes to the crawlspace?
by Easy Rhino
Fri Oct 17, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3435

Re: When can I afford to buy a home?

Hey we just bought our first house last year... I was 38. don't sweat the age thing. The reasoning to buy a house is not purely financial. You buy a house when you want to stay in the same place for a long time, and have the opportunities and responsibilites that come with ownership (renovations, re...
by Easy Rhino
Fri Oct 17, 2014 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: When can I afford to buy a home?
Replies: 21
Views: 2541

Re: Should I buy a condo on the GROUND FLOOR?

from my apartment and condo experiences: Ground floor: - easier carrying (groceries, furniture, babies) - tends to stay cooler in summer - tends to stay cooler in winter - noise from upstairs Top floor: - harder carrying - tends to be warmer in summer and winter - smoke from downstairs (we had a bal...
by Easy Rhino
Fri Oct 10, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 5093

Re: John Hussman, smart guy, should you listen to his foreca

i like to read Hussman to keep my irrational exuberance in check.
by Easy Rhino
Fri Oct 10, 2014 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 76
Views: 8256

Re: Small Moneysavers Which Add Up

Small but effective: When we went out to eat, I told my daughter that she could order juice or soda to drink. However, if she instead chose plain water (free), I'd give her a dollar. Once that deal was offered, she never ordered juice or soda again. I can't take credit for coming up with that. I re...
by Easy Rhino
Thu Oct 09, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 6954

Re: Keep vanguard mutual fund or move to the dark side (ETFs

ETFs are a bit of a pain, because the value fluctuates during the day, and you can only buy whole shares. leaving you with a few stray dollars in your account. I have a brokerage account at wells fargo, so most of my investments are in ETFs. However, in my IRA, I keep one mutual fund, and even thoug...
by Easy Rhino
Thu Oct 09, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep vanguard mutual fund or move to the dark side (ETFs)
Replies: 13
Views: 1447

Re: It's a good day to be in Stocks - 10-08-2014.........

BahamaMan wrote:Diversification is what it's all about ! :beer


ha, I see what you did there :)
by Easy Rhino
Wed Oct 08, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be in Stocks - 10-08-2014.........
Replies: 24
Views: 3222

Re: Large Inheritance - Need Advice

So, if a financial advisor hears you have an inheritance and immediately says "hey, you should buy a whole life insurance policy", then that guy is a jerk. First read the wiki on managing a windfall. Then think hard about what your goals are. Then, if you want to have some bogleheads bounc...
by Easy Rhino
Tue Oct 07, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3505

Re: HDHP/HMO with potential baby?

Right, you can double cover the child and still have qualify for an HSA But you can't Double cover either adult under a non HDHP and have them qualify for an HSA. And note that coordination of coverage is a pain. even for a doc checkup the bill goes through two differenct insurance companies before ...
by Easy Rhino
Tue Oct 07, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP/HMO with potential baby?
Replies: 4
Views: 427

Re: Which home inspectors/trademen did you use?

we were in escrow on two houses. one we didn't buy and one we did. Ended up picking our inspector because we read a report he did for another potential buyer of a house we looked at, saw his report, never put a bid on, but liked his report. Both houses had the general inspection. one had a quote fro...
by Easy Rhino
Tue Oct 07, 2014 4:12 am
 
Forum: Personal Consumer Issues
Topic: Which home inspectors/trademen did you use?
Replies: 5
Views: 546

Re: Cash In Credit Card Points? Or Keep Accumulating?

as others have said, unless you need to save them for something "big" where the redemption is more efficient (maybe it's just a $100 reward with a better conversion, or maybe it's something like expensive plane tickets), then spend them as soon as you can, reduces the risk of getting them ...
by Easy Rhino
Mon Oct 06, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash In Credit Card Points? Or Keep Accumulating?
Replies: 28
Views: 2511

Re: HDHP/HMO with potential baby?

Pencil in 12k for a noncomplicated delivery. So you'll probably go past both deductibles with a HDHP, look into co insurance and how out of pocket maxes work with your plan. And if there are any exceptions for prenatal and delivery. after you have a baby, he/she/it can be covered under your own plan...
by Easy Rhino
Mon Oct 06, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: HDHP/HMO with potential baby?
Replies: 4
Views: 427

Re: Self Cleaning Water Heater

when the plumber was installing ours in January he told me the same story. drain once a year. Maybe we can water the bushes with it.
by Easy Rhino
Sun Oct 05, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Self Cleaning Water Heater
Replies: 15
Views: 1017

Re: What to use in Taxable Acct?

selling your vanguard intermediate tax exempt (not CA exempt) and swapping it for the CA exempt could be a very good idea. Just check: - If the effective after tax rate on the CA exempt is really higher (it usually is) - if there are any big unrealized capital gains on the fund that you'd recognize ...
by Easy Rhino
Sun Oct 05, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1436

Re: Evaluating small life insurance policies with poor healt

DTSC wrote:What's the point of a $10k policy except to cover funeral expenses?


Yeah, it's basically for that. Although his lifestyle choices are such that if they'd sell him a million in insurance, he'd take that.
by Easy Rhino
Sat Oct 04, 2014 4:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Evaluating small life insurance policies with poor health
Replies: 4
Views: 482

Evaluating small life insurance policies with poor health

So my father in law is 58 and his health is pretty bad. He's the breadwinner in the family. But he's a smoker and has mild COPD, and he works a tough job (welding). But he's interested in getting a life insurance policy. He actually applied for a term insurance policy and got rejected for the not-pr...
by Easy Rhino
Fri Oct 03, 2014 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Evaluating small life insurance policies with poor health
Replies: 4
Views: 482

Re: Slingbox to "Wire" TV two floors away?

to make sure I understand, there's no coax outlet already in that bedroom, regardless of where it actually connects to?
by Easy Rhino
Fri Oct 03, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Slingbox to "Wire" TV two floors away?
Replies: 18
Views: 1601

Re: What to use in Taxable Acct?

with your current 11% cash allocation, I assume you have an ample cushion of spending cash separate? If this money is being continusly drawn from it would make taxes more complicated. if you want bonds in your taxable, I'd go with CA exempt bonds also. However, consider this too: 1) sell some stock ...
by Easy Rhino
Fri Oct 03, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1436

Re: Does insulating attach'd unheated garage improve efficie

in the scenario of a bedroom over a garage, wouldn't the key be insulating the ceiling/floor between them, rather than the garage?

Our house is ranch so I'm just extrapolating from the 'conditioned envelope' theory.
by Easy Rhino
Fri Oct 03, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Does insulating attach'd unheated garage improve efficiency
Replies: 20
Views: 1700

Re: is a 1920 x 1200 monitor worth it?

most video cards can display pretty much whatever resolution you want.

So as long as 1920 x 1080 is a legitimate resolution option, then you shouldn't have any extra degradation.

Not to say the bigger monitor might not be nicer, but maybe not for that reason.
by Easy Rhino
Fri Oct 03, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: is a 1920 x 1200 monitor worth it?
Replies: 15
Views: 838

Re: confronting a coworker

It sounds like you're in a situation where there's really only two of you, and you can't both take off at the same time? You will probably ultimately have to just work it out with each other to get an equitible split. Treat it more like a family matter rather than an issue of who can log into the co...
by Easy Rhino
Fri Oct 03, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: confronting a coworker
Replies: 44
Views: 3600

Re: Windows 10 Preview Installed?

i didn't even know we had skipped windows 9.
by Easy Rhino
Thu Oct 02, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Windows 10 Preview Installed?
Replies: 20
Views: 1618

Re: Is there an "upper limit" on Boglehead theory?

but you know what high net worth people definitely need?

a good CPA :sharebeer
by Easy Rhino
Thu Oct 02, 2014 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Is there an "upper limit" on Boglehead theory?
Replies: 58
Views: 4179

Re: Does insulating attach'd unheated garage improve efficie

we just had a bunch of insulation work done on our house. It's was part of the 'energy upgrade california' program, and since it's run by the state, there are a bunch of rules about how the contractor goes about things. The mandate for the insulation was to insulate and air seal "the conditione...
by Easy Rhino
Thu Oct 02, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Does insulating attach'd unheated garage improve efficiency
Replies: 20
Views: 1700

Re: house odor after crawlspace encapsulation

i had mold inspector out for a quick inspection of my non-mold problem. I asked about houses on the coast where the humidity is always high. He mentioned they had surface mold problems, but only in places where the air was stagnant. (like closets). Conceivably, your crawlspace, before it was encapsu...
by Easy Rhino
Wed Oct 01, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3435

Re: house odor after crawlspace encapsulation

There is a small outlet from the main HVAC supply plenum, as per code. Is there also an air intake? was the crawlspace insulated as well? (at that point it's basically a 'basement') :) A low tech attempt would be to wash down surfaces in the crawlspace with something to kill mold. Bleach might get ...
by Easy Rhino
Wed Oct 01, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3435

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?
by Easy Rhino
Tue Sep 30, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3435

Re: house odor after crawlspace encapsulation

I hope rusty can respond, since his encapsulation is already a fait accompli, and let us know how it goes.
by Easy Rhino
Tue Sep 30, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3435

Re: house odor after crawlspace encapsulation

My bad, Ammonium Sulfate fire retardant (and boric acid)

Ammonium nitrate might be... the opposite... of a fire retardant, really.
by Easy Rhino
Mon Sep 29, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3435

Re: Replacing Some, not all, Windows in House

just out of curiosity, why would you want to replace only some of them? What would they do that the new ones wouldn't?

I hope it's not for energy savings, that probably wouldn't pay for itself for 4 or 10 years.
by Easy Rhino
Mon Sep 29, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Replacing Some, not all, Windows in House
Replies: 15
Views: 1212

Re: How can I stop feeling depressed about my finances?

A few points: Don't pay attention to the incomes or the portfolio sizes of folks here on the bogleheads. It will seem like the average poster is both retired and a zillionaire. that's because the average poster is both retired and a zillionaire :) Please focus on the improvement in your net worth -3...
by Easy Rhino
Mon Sep 29, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14096

Re: Money Makeovers - Are these legitimate stories?

man, the lawyer/dentist story is just going to alienate every newspaper reader. except for perhaps wall street journal readers. The original story about the retiree with fairly modest savings was at least more useful and applicable for regular folk. But hey, why do people come here for investment po...
by Easy Rhino
Mon Sep 29, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money Makeovers - Are these legitimate stories?
Replies: 8
Views: 1376

Re: Gas Water Heater Upgrade worth the $$$

We have a gas water heater. Actually a newish one because the one that came with the house died on new year's day. I like it more than electric BUT. with a $1400 price difference, it's not going to pay for itself ever before it breaks. maybe after 30 years when you replace water heaters a few times....
by Easy Rhino
Mon Sep 29, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Gas Water Heater Upgrade worth the $$$
Replies: 31
Views: 1858

Re: house odor after crawlspace encapsulation

it's only tangentially related, but we had a bunch of weatherization and air sealing and insulation work in our house, and we started getting mystery smells from the bathroom that gradually built up. It turns out it was an obscure chain of events. There was a leak in our shower tile, which was pushi...
by Easy Rhino
Mon Sep 29, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3435

Re: CalSTRS 403(b) Pension2 to migrate to Voya/ING

Does your wife's employer support multiple different 403b's already? if so you could always roll after the Voya switch. Obviously we're being premature since we don't have details on the new plan yet :) My wife is invested in the TIAA Real Estate annuity, so I don't see how that will transfer over. ...
by Easy Rhino
Fri Sep 12, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: CalSTRS 403(b) Pension2 to migrate to Voya/ING
Replies: 16
Views: 1622

Re: New Roof Needed Soon... Advice?

I had researched this for a house we didn't buy, and down here where it's hot, I would have leaned towards a light colored metal roof as well. Despite the higher cost. Because down here, it gets hot. Interestingly, there are some energy star conventional shingles out there, that reflect some of the ...
by Easy Rhino
Thu Sep 11, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3037

CalSTRS 403(b) Pension2 to migrate to Voya/ING

Hi all, my wife has a small 403s(b) account in the CalSTRS "Pension2" program. It's currently administered by TIAA-CREF. I suggested she pick it over a few other 403(b) options because it had generally the lowest fees and best fund selection. She got a postcard this week informing that the...
by Easy Rhino
Thu Sep 11, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: CalSTRS 403(b) Pension2 to migrate to Voya/ING
Replies: 16
Views: 1622

Re: Best Rewards Card for Day Care

i'm not exhaustive, but I haven't seen such a thing as a child care category. So 2% is the best run of the mill card I'm familiar with too.

Unless you think you will cash out for specific purposes, like airline miles, where you might be able to get greater effective use out of them.
by Easy Rhino
Tue Sep 09, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Best Rewards Card for Day Care
Replies: 3
Views: 502

Re: How do you keep your electricity bill low?

we're down in inland san diego, a 2500 square foot house. It gets pretty hot and electricity rates are probably the same. We use about 500 kwh per month according to our bill, except for July which was close to 800kwh. (I had one or two days where I accidentally left the AC on all day while we were ...
by Easy Rhino
Fri Sep 05, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9432

Re: Repairing (Replacing?) Stucco

replace all the stucco or just some?

Due to the texturing, it can be difficult for the pattern of the stucco to match exactly (or at least it can with the patches we had on our traditional stucco house)
by Easy Rhino
Tue Aug 26, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Repairing (Replacing?) Stucco
Replies: 3
Views: 492

Re: My Wife's 401k is expensive.

To reiterate what others have said: - I don't think Ameriprise offers anything that's low-cost. - The advisor is not a fiduciary, the employer is the fiduciary - Arguing with the advisor won't get you anywhere. Even if you 'win', nothing changes - Your wife could make rational argument to the boss o...
by Easy Rhino
Tue Aug 26, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Wife's 401k is expensive.
Replies: 23
Views: 1515

Re: Who sells fresh coffee that is not as strong as Starbuck

Looks like it is 330mg http://www.starbucks.com/menu/drinks/brewed-coffee/pike-place-roast?foodZone=9999#size=3&sweetened=0 wow I didn't know that sbux printed their caffeine values online. That's a lot. I mean, I know from my feelings that there was a lot of caffeine in their coffees, as even ...
by Easy Rhino
Fri Aug 15, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2518

Re: Strategic Default

it will remain on your credit report for 7 years, how about that? The recency of the default will affect different lenders in different ways for different lengths of time. For instance FHA had a hard 3 year moratorium after default: http://www.zillow.com/advice-thread/what-exactly-is-meant-by-the-3-...
by Easy Rhino
Thu Aug 14, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3292
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