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Re: Gas stove features

Certainly don't go with a low end model that has the same BTU output on all the burners. You want the power burner and the simmer burner. Also get one with a continuous grate instead of individual grates on the burners. It gives a good surface to cook on with larger pans and to move things to an int...
by Kosmo
Sun Oct 19, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Gas stove features
Replies: 12
Views: 1005

Re: Is it possible to have a favorite movie

The Godfather. Followed up by Part II.
by Kosmo
Fri Oct 17, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3052

Re: Where to start work as an engineering major?

At least in the U.S., military experience on a resume will result in no interview in some places. It's interpreted as a bureaucratic mindset and brings up political issues. I'm not sure what line of work you're in, but I've found the exact opposite of what you say. My company (and those in the indu...
by Kosmo
Wed Oct 01, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Where to start work as an engineering major?
Replies: 32
Views: 2803

Re: Cast Iron Skillet Cooking

i wasn't looking for them, but i saw this at costco yesterday. http://www.costco.com/Lodge-2-Pack-Cast-Iron-Skillets-And-2-Silicone-Mitts.product.100116102.html Bought these in store yesterday. I had been looking at them for a while, but this thread finally convinced me they're worth it. My wife no...
by Kosmo
Thu Sep 25, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 107
Views: 9251

Re: POLL: Would you rather work half as long or half as ofte

Option 2. I need to keep busy, but I enjoy keeping busy in a variety of ways. If I could alternate X weeks work, then X weeks of leisure time that would satisfy my need for staying busy and having variety. Leisure time for me is primarily working on projects around the house, playing rugby, and trav...
by Kosmo
Thu Sep 25, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 4123

Re: What Book Are You Currently Reading? Part VI

Citizen Soldiers by Stephen E. Ambrose. I'd recommend this book to anyone, but sometimes it feels a little disjointed. While the stories and anecdotes from individual soldiers are the focus of the book, sometimes they didn't always align well with the larger narrative of the end of WWII in Europe, ...
by Kosmo
Mon Sep 22, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 125
Views: 8353

Re: Investment Property

bogleblitz wrote:I go by the 10% rule. so a $329k house should get $3,290 in monthly rent.

Do you mean 1%?

OP- I would not buy a new construction house as a rental. Especially at that price. Also, why would you put 40% down? Is that to make it cash flow positive?
by Kosmo
Fri Sep 19, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Property
Replies: 10
Views: 849

Re: Rental property with in-laws: please help!

P.S. I would tell your relatives that you don't plan on putting a penny in this property and that you will default if and when they stop covering the deficit. I suspect they are feeling guilty for the horrible thing they have done, and would feel even worse if her credit is destroyed, so they will ...
by Kosmo
Thu Sep 18, 2014 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 7957

Re: What is the best balance transfer card?

I love those responses to try the Slate card. The OP said they already have a Slate card, but I guess there is no harm in getting another one or two or three. However, a general rule of balance transfers is that one cannot transfer balances from the same company to a new card at that company. You c...
by Kosmo
Thu Sep 18, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best balance transfer card?
Replies: 12
Views: 419

Re: What is the best balance transfer card?

Try the chase slate card. But they may not give you a high enough limit to transfer the whole thing.
by Kosmo
Thu Sep 18, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best balance transfer card?
Replies: 12
Views: 419

Re: Meetings over the lunch hour, taboo?

I am 0% in favor of lunch meetings. I do not schedule meetings that overlap any portion of 11-1. I only attend meetings in this time frame if it allows sufficient time for me too eat. My company will not spring for food at lunch time meeting... so my love of eating and disdain of meetings makes it a...
by Kosmo
Thu Sep 18, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 3969

Re: Do you plan trips on your own or use a TA?

We generally plan trips on our own. However, for an upcoming trip to Italy, we booked airfare, hotel, and a rental car through AAA. We paid a small premium for their services vs booking directly, but we saved hours and hours of finding the accommodations that met our needs. Certainly we plan daily e...
by Kosmo
Wed Sep 17, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1570

Re: Help with a large business decision

We do not work 40 hour weeks or have a physical location other than to store things. We travel to our job sites which are all over the US and while we are there we work 80-90 hour weeks. Currently we are at our jobs for anywhere from 2-4 weeks at a time with 10 people there. I am thinking with the ...
by Kosmo
Tue Sep 16, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with a large business decision [capital expenditure]
Replies: 36
Views: 1414

Re: Help with a large business decision

This equipment would essentially wipe out the profits from my best year ever but it would without a doubt enable me to do each of my jobs in the future in about 1/2 the time and with 2/3 the people I have now. This equipment would replace the equipment I have now which is about 15 years old and ine...
by Kosmo
Tue Sep 16, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with a large business decision [capital expenditure]
Replies: 36
Views: 1414

Re: Rental property with in-laws: please help!

You need to have a serious conversation with your wife and her parents. It may be an uncomfortable conversation, but it needs to happen. You can't keep relying on your wife to ask the right questions and then relay the answers to you. You need to go right to the source. This situation will seriously...
by Kosmo
Tue Sep 16, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 7957

Re: Am I in over my head?

I'm generally of the camp that one should not attend college just to get a degree. For most people, that's a waste of time and money and effort with very little return. However, this statement may make the case that you should attend college... My problem is there is nothing I really enjoy that coul...
by Kosmo
Mon Sep 15, 2014 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I in over my head?
Replies: 51
Views: 4713

Re: Am I in over my head?

I think you have the gist of it, but the devil is in the details. Where did the money come from? Do you owe taxes? Is this an inheritance and there are tax advantaged accounts involved? There are lots of knowledgeable folks here who could point you in the right direction for any of these situations.
by Kosmo
Sun Sep 14, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I in over my head?
Replies: 51
Views: 4713

Re: The Calculus of DIY

I DIY as much as I can, but it's exclusively home related tasks right now. I don't have the tools, location, space, or time to learn auto repairs/maintenance. But I will do plumbing, electrical, demolition, construction, and yard work to the extent that I have the tools and the time. I've done tilin...
by Kosmo
Tue Sep 09, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: The Calculus of DIY
Replies: 9
Views: 1196

Re: Math Help Please: Mortgage v. Investing calculations

$240,000 loan for 30 years @ 4.125% will result in a monthly payment of $1,470.45 and total payments of $529,362.37 with $178,737.37 of that paying interest. $240,000 loan for 15 years @ 3.5% will result in a monthly payment of $2,023.01 and total payments of $364,141.76 with $68,829.26 of that pay...
by Kosmo
Tue Sep 09, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Math Help Please: Mortgage v. Investing calculations
Replies: 10
Views: 655

Re: Less than 30% of active fund managers beat their benchma

Although I think this is meaningful and interesting, it is also a symptom of something awful: what I call the "athletics model" of investment evaluation. In the Olympics, an athlete gets the same gold medal whether they beat the silver medalist by 0.01 second or 60 seconds. The obsession ...
by Kosmo
Tue Sep 09, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Less than 30% of active fund managers beat their benchmarks
Replies: 18
Views: 905

Re: School Loans Vs. Investing

Any chance of an employer footing part of the bill for the MBA? Will you be going part time while working or will you be a full time student? Will you need to borrow money for living expenses?
by Kosmo
Mon Sep 08, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: School Loans Vs. Investing
Replies: 7
Views: 835

Re: Do I invest or pay higher mortgage downpayment?

Hang on to the cash for the time being. You might need it for maintenance or upgrades on the new house.
by Kosmo
Mon Sep 08, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 3344

Re: Giftcards

I doubt you'll find someone willing to pay face value in cash since they can just buy a new one. You might be able to find some people in the same boat as you who are willing to trade gift cards. Probably need to look hard to find a forum for that though. I think the easiest route is to accept ~85% ...
by Kosmo
Mon Sep 08, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Giftcards
Replies: 14
Views: 1218

Re: How often do you really change your email passwords?

You can change the password?!?!

Just kidding....I've only done it once in the 14 years that I've had my current email address.
by Kosmo
Mon Sep 08, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: How often do you really change your email passwords?
Replies: 17
Views: 726

Re: How many books at one time?

1 book at a time. Although, I have in the past stopped reading a book, only to pick it up at a much later date having read other books in the meantime. Sometimes I have to start over if its been long enough. I stagger subject matter, so I will not read 2 books on a substantially similar topic in a r...
by Kosmo
Mon Sep 08, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: How many books at one time?
Replies: 16
Views: 681

Re: A 'really good book' you did NOT enjoy

Most of the things people are listing here I wouldn't touch with a 39 1/2 foot pole. A lot I haven't even heard of, of the ones I do know I haven't even had the faintest desire to read them, and a very select few I tried to read and lasted a chapter at most. The good thing is I haven't missed much! ...
by Kosmo
Sun Sep 07, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 11106

Re: V6 or V8 engine for new Chrysler 300

Test drive both engines. I prefer power over fuel efficiency.
by Kosmo
Sun Sep 07, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1732

Re: A 'really good book' you did NOT enjoy

Everything I had to read in high school.

cfs wrote:Six Frigates: The Epic History of the Founding of the U.S. Navy.

Could you elaborate? I enjoy history books, especially military history.
by Kosmo
Sat Sep 06, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 11106

Re: How do I report income held in a joint account?

What does the IRS say? Try the instructions for form 1040. Or IRS pub 17. I'm sure someone could point you to the right document with this information.
by Kosmo
Sat Sep 06, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I report income held in a joint account?
Replies: 7
Views: 535

Re: Bonus - Where to apply it?

Generally, you can't pre-pay 401k loans back. You have to either pay according to the amortization schedule or lump sum pay off the loan. And remember that any interest you pay to the 401k loan is effectively taxed twice (once on repayment and once on withdrawal). What is the interest rate on the 40...
by Kosmo
Sat Sep 06, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonus - Where to apply it?
Replies: 18
Views: 1587

Re: Paying back my 401K loan: Am I thinking correctly?

1) Yes, this is treated the same as other contributions. 2) Yes, you're buying new shares the the funds. You sold X number of shares to get a specific dollar value out. Now you're paying back a specific dollar value, but purchasing Y number of shares. If the price has gone up since you took the loan...
by Kosmo
Fri Sep 05, 2014 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying back my 401K loan: Am I thinking correctly?
Replies: 8
Views: 706

Re: does this (gardening?) tool exist?

Get up on a ladder (or a tall stepladder) and use a metal rake to pull it close enough to grab. That's the easiest/quickest way in my opinion. There are also pole saws that have a hook on them for grabbing branches. I have one with 3 6' sections, but they are fiberglass, so after 2 sections it bends...
by Kosmo
Wed Sep 03, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: does this (gardening?) tool exist?
Replies: 9
Views: 1129

Re: Setting up a spreadsheet?

Maybe you could post the formulas you're using that are giving unexpected results. Excel has a decent help feature, but only if you know which functions you should be using. For simple arithmetic, fractions, percentages, and things like that you should be able to pick it up pretty quickly once you'r...
by Kosmo
Tue Sep 02, 2014 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: Setting up a spreadsheet?
Replies: 15
Views: 1083

Re: Fantasy football debt owed

The commish is responsible for paying the winners regardless of if he collects the entrance fees. A good commish will not let anyone play who hasn't paid. If your money isn't in at the draft or roster lock for week 1, you forfeit your position in the league. You should keep asking the commish for yo...
by Kosmo
Tue Sep 02, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 2029

Re: Shorten Mortgage or 401K or something else

pleides1980 wrote:tax return ( tax return of ~$12-14K next year return ) by Feb 2015

Why don't you adjust your withholding for the remainder of the year and get a chunk of that money now? Use it to pay off the credit card.
by Kosmo
Mon Sep 01, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Shorten Mortgage or 401K or something else
Replies: 15
Views: 1096

Re: Property or stock?

I only make 42K but I put ~5% in a work matched 403B ( I will up this soon as I am still paying back moving expenses). ... I am looking to buy a place that is ~220K, live in it, and if I need to leave for work in around 3 years, I would rent it out for at least another 3 years. If you're not done p...
by Kosmo
Sun Aug 31, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Property or stock?
Replies: 24
Views: 2318

Re: Do you have class?

Why do you feel you should get any type of special respect? You want to be rewarded for doing what you ought to be doing?
by Kosmo
Sun Aug 31, 2014 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have class?
Replies: 15
Views: 1637

Re: Trying to understand the 1040 Tax Table

That is incorrect. If I withdraw $100,000 from my traditional IRA, with no other income, my marginal rate is not zero. In this case, I would have saved $25K by using the traditional IRA (with a marginal rate of 25%), which I could have invested. If my effective rate on this withdrawal is 10%, I pay...
by Kosmo
Fri Aug 29, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2497

Re: Gas station etiquette

OP clearly did the right thing by taking an open pump. Making the line for the pump unnecessarily longer when there is an open pump would be wrong. My Costco had long pump hoses so it doesn't matter which side the fuel door is on. What really gets to me is when people will wait in line for the prope...
by Kosmo
Thu Aug 28, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 3054

Re: Questions for Landlords

I was talking about the small holes created while hanging a bike rack, plasma tv and paintings. One does not hang a bike rack or plasma tv using small holes unless one wants said transportation and entertainment equipment to reside on the floor in short order. Tenant pays cleaning. The place should...
by Kosmo
Wed Aug 27, 2014 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for Landlords
Replies: 22
Views: 1566

Re: How to safely sell a big ticket item online

Cash. If the buyer can get a cashier's check, they can get cash.

Signing up for paypal is easy. I've never received money that way though, so should check out the fees involved.
by Kosmo
Wed Aug 27, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2680

Re: Moving to Eastern PA - need advice

Why skip over Delaware County? We're friendly here! But there are higher taxes... I live in western Delco close to the border with Chester Co. You do not want to get too close to southwest Philly, the neighborhoods go downhill quickly. Within 3 miles of my house there are 5 55+ communities that I ca...
by Kosmo
Wed Aug 27, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1949

Re: Mortgages and financial freedom

Not having a mortgage reduces your required monthly payments. That's the best argument I've heard. Would you rather have a large pile of cash and large required payments, or a smaller pile of cash with significantly reduced (but not eliminated) payments? For reference, I'm not pre-paying my mortgage.
by Kosmo
Mon Aug 25, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 7082

Re: Backyard Shed

Thanks for the replies. Here's some more info. I have checked the local building codes and talked to the building inspector/code enforcement officer. Here, what separates a shed (actually, they'd consider this to be a detached garage) from other structures is plumbing. Without plumbing there are no ...
by Kosmo
Sun Aug 24, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Backyard Shed
Replies: 21
Views: 1561

Re: Which home ?

Financially they appear to be roughly equivalent. No clear advantages one way or the other. Which house would give you more enjoyment to live in? One large factor to consider is yard maintenance. House 2 has none.
by Kosmo
Sat Aug 23, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which home ?
Replies: 11
Views: 825

Re: Best nose hair trimmer (is this okay to ask?)

Mrxyz wrote:Any particular model number?

I do not see the model I have on their website. The closest one in terms of accessories is this: http://home.wahl.com/Products/Men%27sGrooming/LithiumIon/9818. Mine's plastic and I didn't pay nearly that much. Bought at Costco.
by Kosmo
Sat Aug 23, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Best nose hair trimmer (is this okay to ask?)
Replies: 36
Views: 2817

Re: Best nose hair trimmer (is this okay to ask?)

I have a Wahl beard trimmer that has multiple head attachments. One is a nose/ear hair trimmer. It does the job sufficiently. Tickles a bit. Lithium ion battery is great. I only shave about once a week, so I have to charge it maybe every other month. I would recommend this product.
by Kosmo
Sat Aug 23, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: Best nose hair trimmer (is this okay to ask?)
Replies: 36
Views: 2817

Backyard Shed

I will be getting a shed in the near future. It's time to get the garage cleaned out and used for it's intended purpose of sheltering the cars. I plan to partition the shed into 2 areas: outdoor tools storage and a workshop/storage area. The outdoor tools consist of: lawn tractor, trailer, snow blow...
by Kosmo
Sat Aug 23, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Backyard Shed
Replies: 21
Views: 1561

Re: I need "Ultra High Net Worth" investing advice please

In theory there is very little difference between investing $50,000 and $50,000,000. But in practice there's a huge difference. The investor with a thousand times as much money has access to different funds and share classes, different tax issues, different estate planning, etc. My recommendation is...
by Kosmo
Sat Aug 23, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 225
Views: 19382

Re: Fostering Change in HOA

... (Sorry, just having flashbacks to a time when I served on a HOA board) It's definitely a pain. Last election we had to canvass door to door to convince 2 people to serve on the board. (3) Gather a group of like minded residents and ask as a group for a "special" meeting to vote on som...
by Kosmo
Fri Aug 22, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 41
Views: 2602
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