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by Mingus
Tue May 12, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on renting a room in my home to a friend
Replies: 30
Views: 1765

Re: Taxes on renting a room in my home to a friend

epitomist wrote: Make sure to spend tens of hours calculating a tiny tax bill repeatedly. Also make sure to get various professionals involved including at least one or two Realtors, an insurance salesperson and a gaggle of attorneys on retainer.


I couldn't have said it better.
by Mingus
Fri May 08, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 133
Views: 15232

Re: much ado about coasting (through life)

I worked way too many hours and saved way too aggressively, sacrificing way too much, now that I reminisce about it... Fast Forward to today... ...and just do whatever I want to do all day, forever. The thing is I really have nothing to retire from (or to) at the moment. Im not passionate about any...
by Mingus
Tue Apr 28, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of running clothes
Replies: 34
Views: 2236

Re: Getting the stink out of running clothes

I'd try a pinch (half a teaspoon or so) of TSP in the wash combined with oxy-clean. That's tri sodium phosphate (TSP). Used to be a common ingredient in washing powders. Easy to find at the hardware store in the paint section. Cleans and deodorizes like no ones business. Especially when combined wit...
by Mingus
Sat Mar 28, 2015 1:03 am
Forum: Personal Consumer Issues
Topic: Painting Cabinets and Trim
Replies: 27
Views: 2354

Re: Painting Cabinets and Trim

Ugh, birch and alder really aren't anything to write home about. They are both sort of ho hum. Unless you like that sort of thing. But I'm not sure it is so bad that 16K needs to be spent painting it all. However, if paint is the remedy everything IDEALLY should be sealed with a couple coats of non-...
by Mingus
Thu Mar 26, 2015 11:52 pm
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 53
Views: 5615

Re: Building a new house. Any recommendations?

I'm learning a lot about the solar gain and passive solar. What are some specific things people recommend about this? If you're in a cold northern climate, you want the house situated so there are lots of windows on the southern exposure. And minimal on the north. I'm not sure about the east and we...
by Mingus
Thu Mar 26, 2015 2:43 pm
Forum: Personal Consumer Issues
Topic: Painting Cabinets and Trim
Replies: 27
Views: 2354

Re: Painting Cabinets and Trim

The cost to paint the kitchen cabinets is just $5,400. There is no way I could get new doors and stain the frames for less than that. Not even close. You can purchase new cherry doors for $25 a pop with hinge cups drilled and ready to stain/paint according to a quick google search. I know what I'd ...
by Mingus
Wed Mar 25, 2015 12:47 am
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 53
Views: 5615

Re: Building a new house. Any recommendations?

Some good suggestions up above. I'll add 32" interior doors rather than the standard 30". 42" or wider stairs to make moving items easier. Rather than the standard 36" An entryway. Not a front door directly into the living room or whatever room, but an actual entry way at least 6...
by Mingus
Tue Mar 17, 2015 9:54 pm
Forum: Personal Consumer Issues
Topic: House Foundation Cracks, No big deal or RUN!
Replies: 24
Views: 2913

Re: House Foundation Cracks, No big deal or RUN!

If you require a contractor to do any work (related to inspection) , it may fall under EPA lead RRP laws(being pre 1978 structure) based on the surface area that is involved and activities it may involve. It applies to even owner occupied homes, if there's a contractor involved. Lead? In a foundati...
by Mingus
Thu Mar 12, 2015 8:19 pm
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 6443

Re: $600 night guard for teeth grinding, really?

toofache32 wrote:
Mingus wrote:
toofache32 wrote:
You forgot the most important variable....How much chair time?


My guess is two fifteen minute appointments.

Plus however long it takes the assistant to setup and clean up for both of those.

And the cost of overhead of running a business.

Hence why a 99 cent piece of plastic costs $600.
by Mingus
Thu Mar 12, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 6443

Re: $600 night guard for teeth grinding, really?

Then get an OTC one. I suppose you mean a football mouthpiece? While you don't necessarily get what you pay for, you NEVER get what you DON'T pay for. What does it cost your dentist to provide this? Serious question because it's more than you think. The dental assistant makes a mold with alginate, ...
by Mingus
Wed Mar 04, 2015 2:33 pm
Forum: Personal Consumer Issues
Topic: Anyone Else Think Nest Thermostat is Buggy?
Replies: 30
Views: 3072

Re: Anyone Else Think Nest Thermostat is Buggy?

The nest certainly is pretty.

But I really question the logic of society of disregarding the downsides of having everything connected to wi-fi.
by Mingus
Fri Feb 27, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 4594

Re: Can I afford my dream house?

I'm sorry but with your net worth you can pretty much move to any location on the planet and retire right now. Make breakfast and walk your kids to school, learn to surf, write that novel you always thought about, ect. That was discussed at one time as well, but the forum consensus was the husband ...
by Mingus
Thu Feb 26, 2015 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Chinese Drywall (Remediated) - Financing the purchase
Replies: 12
Views: 1260

Re: Chinese Drywall (Remediated) - Financing the purchase

I have to agree with most of the posters on this one. I have a higher tolerance for most things, such as lead paint, asbestos, knob and tube wiring, etc.. But I would more than likely not be interested in purchase a house that was sullied from toxic Chinese drywall. Then again, I'd have already elim...
by Mingus
Wed Feb 25, 2015 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 10171

Re: physicians [Frustrated, considering early retirement]

I'm not a doctor, but would like to echo the comment on trying out a cash only basis. Years back, I had some interesting health problems and was getting nowhere. Went to a cash only medical group, where they handed me a coded sheet that I would submit myself to my insurance company. Instead of a rus...
by Mingus
Sat Feb 21, 2015 1:16 am
Forum: Personal Consumer Issues
Topic: House painting contractors
Replies: 12
Views: 1079

Re: House painting contractors

No wonder they run from you.....you would pay me fees comparable to a lawyer to do the work and detail you're describing. If you're as good as you claim, you shouldn't need a professional painter. Nah... I'm not insane (or have the cash flow of Bill Gates). In no way am I expecting or asking anyone...
by Mingus
Fri Feb 20, 2015 11:54 pm
Forum: Personal Consumer Issues
Topic: House painting contractors
Replies: 12
Views: 1079

Re: House painting contractors

Your main problem is that you are only giving them the opportunity to paint the high work, excluding the low work. The majority of decent painters won't fall for this because you will end up painting the lower work at subpar standards compared to his. It will make him look bad, this is the problem....
by Mingus
Fri Feb 20, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 5631

Re: Pick-Pockets

One tried

This dirtbag at some lively but scummy bar in was trying to pick my wallet out of my back pocket.

I had my wallet inside the inside pocket in my jacket.

He was pretty obvious too.
by Mingus
Fri Feb 20, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: House painting contractors
Replies: 12
Views: 1079

House painting contractors

This is partially venting. How do I deal with painting contractors?? For the past few years I've been trying to find a painting contractor to paint all my high up stuff that requires tall ladders and scaffolding to no avail. Here is how it generally always plays out: 1) They come out to the house sa...
by Mingus
Wed Feb 18, 2015 10:30 am
Forum: Personal Consumer Issues
Topic: Has anyone restored windows?
Replies: 25
Views: 2118

Re: Has anyone restored windows?

I'm really glad you're keeping those windows. It's an old house preservation tragedy when old windows are lost, almost worse than painting woodwork. And it's not just painted once, but again and again and again. And never well. Like that next coat of latex paint is finally going to make it look nice.
by Mingus
Mon Feb 16, 2015 11:47 pm
Forum: Personal Consumer Issues
Topic: Has anyone restored windows?
Replies: 25
Views: 2118

Re: Has anyone restored windows?

I have. It's not hard, but it is time consuming. There are a lot of steps. The highest skilled part is getting a clean line on the glazing putty. That takes practice. Two schools of thought. Start on the windows that need work the most. Or start on the windows that are least seen to figure out what ...
by Mingus
Mon Feb 16, 2015 2:03 am
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 61
Views: 4342

Re: Does anyone like the new Toyota/Lexus grilles?

I don't like it. Sort of ugly. Glad I'm not in the market for a Toyota for several more years. I have a 2013 Camry. Styling is alright. When I had the "free" oil change last month, I saw the new Camry and from some angles it looked good, but not from the front. I even sat in one, and the i...
by Mingus
Fri Feb 13, 2015 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with problematic tenants.
Replies: 56
Views: 3810

Re: Dealing with problematic tenants.

They don't bother anyone and pay rent on time. So what they are slobs. Give them a couple of boxes of baking soda and a fire extinguisher for the kitchen. Hopefully they continue to be paying on time renters for the next ten years. At that point redo the kitchen, paint, and new carpet. And hope the ...
by Mingus
Fri Feb 13, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: Before building your house, what should you haven known/read
Replies: 14
Views: 1330

Re: Before building your house, what should you haven known/

I only want to add a few things: When your home is designed, beat into your architects head you want floors that have a minimum of L/1000 for deflection. This number can not be too high, essentially. Few things are worse than walking on spongy feeling floors that sound hollow. I'd also specify "...
by Mingus
Fri Feb 13, 2015 12:27 am
Forum: Personal Finance (Not Investing)
Topic: ingress,egress,easement
Replies: 16
Views: 1827

Re: ingress,egress,easement

I am no longer an expert in this arena. But I believe an easement has to be recorded with the county to be valid. However, it is possible person Z had an agreement with person X at one time to allow parking and access, and some sort of monetary exchange happened. Or person X was just a really nice g...
by Mingus
Thu Feb 12, 2015 9:35 pm
Forum: Personal Consumer Issues
Topic: Time to finally purchase nice bedding - thoughts?
Replies: 25
Views: 2303

Re: Time to finally purchase nice bedding - thoughts?

Can anyone comment on the longevity of the Macy's Hotel collection bed sheets?

I cringe at the price as well, especially if they are going to fall apart in two or three years. But if they lasted a long time, the price would be immaterial.
by Mingus
Tue Feb 10, 2015 6:43 pm
Forum: Investing - Theory, News & General
Topic: Poll: Is MMM a force for good?
Replies: 34
Views: 3080

Re: Poll: Is MMM a force for good?

His creative writing style is a force.
by Mingus
Mon Feb 09, 2015 3:13 pm
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 3802

Re: Car issues. [2009 Cadillac CTS - fix or sell]

Trade it in. I recommend either a Civic, a Corolla, or a Ferrari 458. You can get NAV in all those, I think.
by Mingus
Sat Feb 07, 2015 3:57 am
Forum: Personal Consumer Issues
Topic: Pull permits for a minor remodel?
Replies: 35
Views: 3210

Re: Pull permits for a minor remodel?

In my Pac NW region I'd estimate most remodels are done with permits but at least 20% of homes sold - probably well over 50% of homes built before the 1980s - have had significant work done without proper permitting. RE agents here regularly advise clients that while they can certainly pass on such...
by Mingus
Sat Feb 07, 2015 3:41 am
Forum: Investing - Theory, News & General
Topic: "The Death of Retail" and Real Estate Investing
Replies: 1
Views: 499

Re: "The Death of Retail" and Real Estate Investing

Malls in my area are booming. Not only that but they are very nice inside. And people want to be there. A lot of malls I've seen while traveling are either dingy, old, outdated, ugly finishings, or depressing to be in, or all of the above. It's no wonder people don't want to shop there. Sort of like...
by Mingus
Sat Feb 07, 2015 3:22 am
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 11911

Re: Found $100 Bill at Walmart

Let's see here... Long long long time ago found about 65 dollars worth of food stamps in the safeway parking lot in a shopping cart. I had steak that night. A few years ago I was out for a walk and found two 20 dollar bills in the middle of the alley. Soon after I found the cash, my wallet was 40 do...
by Mingus
Sat Feb 07, 2015 2:56 am
Forum: Personal Finance (Not Investing)
Topic: If you like a job but the company has financial issues....
Replies: 18
Views: 2069

Re: If you like a job but the company has financial issues..

How good of relationship do you have with your supervisor? I've been in a very similar situation. Had a great working relationship with my boss, and other higher ups. Decided one day to just have a candid discussion with my boss about the health of the company. It was as clear as day after that disc...
by Mingus
Thu Feb 05, 2015 8:50 pm
Forum: Personal Consumer Issues
Topic: Pull permits for a minor remodel?
Replies: 35
Views: 3210

Re: Pull permits for a minor remodel?

I can not fathom in my wildest dreams ever pulling a permit to change a light fixture or two. Nothing else you listed requires a permit. However, if it helps you sleep better at night it would be worth it. One thing to keep in mind is if you do decide to pull a permit, it might make sense to have yo...
by Mingus
Mon Feb 02, 2015 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Met a Vanguard basher TransAmerica Insurance pusher
Replies: 41
Views: 4949

Re: Met a Vanguard basher TransAmerica Insurance pusher

You just happened to meet someone who's motto is ABC.

Always be closing.

Salesmen always be closing.
by Mingus
Sun Feb 01, 2015 2:20 am
Forum: Personal Consumer Issues
Topic: Semi-annual Furnace/AC Inspection
Replies: 17
Views: 1333

Re: Semi-annual Furnace/AC Inspection

derosa wrote:17 years old. I think you are just about at the end of life on those systems. You are the person that would benefit from it.


Quiet! My 50 year old furnace might get some ideas...
by Mingus
Sun Feb 01, 2015 2:12 am
Forum: Personal Finance (Not Investing)
Topic: Do you respond to recruiters contacting you?
Replies: 27
Views: 2257

Re: Do you respond to recruiters contacting you?

I did once. One called me at my desk phone when I worked at "The worst company ever" back in 2008. He turned out to be a complete waste of time. Supposedly had some $100K+/year opportunity somewhere near to me that I was a perfect fit for. But the owners of the company were on vacation in ...
by Mingus
Fri Jan 30, 2015 12:13 am
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10924

Re: How to respond when someone asks how much money you make

It's a rude question for someone to ask in the first place. I would just say "it's personal" and leave it at that. Since the people who were asking the question were government employees whose salary is a matter of public record down to the penny, they would probably find it bizarre that ...
by Mingus
Fri Jan 30, 2015 12:10 am
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10924

Re: How to respond when someone asks how much money you make

Too easy.

Minimum wage, that sucks with child support and all

Shoot, after I pay all doze obamacare premiums not enuff dawg.

I'm doing pretty good actually, just got a 25 cent raise. I'm up to over ten bucks an hour.
by Mingus
Mon Jan 26, 2015 2:56 am
Forum: Personal Consumer Issues
Topic: soundproofing walls
Replies: 13
Views: 1654

Re: soundproofing walls

There is an art to soundproofing. You need mass, and to stop any air infiltration. I'd look at something much more dense for insulation such as rock wool. Also, once the drywall is up, every joint on the neighbors drywall where it is touching to the studs and plates would need to be caulked and seal...
by Mingus
Mon Jan 26, 2015 2:47 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 942
Views: 191594

Re: What experts say about $5,000 watches

First of all, a Grand Seiko would be the Lexus of watches. And they are beautiful. And second, an expensive watch such as the above or a Rolex is a functional piece of jewelery that happens to tell time. Yes a 50 dollar Timex will tell the time, and have a few more functions than a mechanical hand c...
by Mingus
Sun Jan 25, 2015 3:18 am
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3829

Re: Women's Face Moisturizer/Lotion

I've tried many lotions, but have never found one as good as Derma E Deep Wrinkle Peptide Moisturizer. Often times old acquaintances never recognize me because its as if the hands of time have left my skin alone while they are growing old, ugly, and wrinkled. Sometimes I'm mistaken for my son's bett...
by Mingus
Sat Jan 17, 2015 1:51 am
Forum: Personal Consumer Issues
Topic: [Purchasing a] shopping cart
Replies: 22
Views: 2496

Re: [Purchasing a] shopping cart

Come visit my neighbor's house. When I was there last week, he had something like four grocery carts out behind his garage in the alley. If they are still there, I'm sure you could take at least one if not all of them.
by Mingus
Fri Jan 16, 2015 3:30 am
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4681

Re: Is this an unreasonable quote for interior home painting

Rodc wrote:
Agreed. Has to be prep'd and painted in place.



Perhaps. But we'll need to agree to disagree.
by Mingus
Thu Jan 15, 2015 1:11 am
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4681

Re: Is this an unreasonable quote for interior home painting

Second, I am still up in the air on painting the trim, but once you see the pictures, I don't think you'll have an issue with it. It isn't high quality wood and the mix of half round, the existing base boards, and the decorative piece I'm going to add to the top need something . It just doesn't loo...
by Mingus
Thu Jan 15, 2015 1:01 am
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4681

Re: Is this an unreasonable quote for interior home painting

Sherwin Williams is about the most expensive paint that you can buy. And they are in the same ballpark quality wise as the best paint at either lowes or home depot. So at least twice as much for the same result on the paint. Truth. I made the mistake of painting my living room and dining room with ...
by Mingus
Wed Jan 14, 2015 2:04 am
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4681

Re: Is this an unreasonable quote for interior home painting

It might be high, it might be really low. There is a huge range in quality from one painter to the next. I can't believe some of the responses in this thread... A good paint job is a lot of money, and takes a lot of time. And a lot of prep. It is not unreasonable at all the painter wants to sand and...
by Mingus
Wed Jan 07, 2015 12:01 am
Forum: Personal Consumer Issues
Topic: Would you pay for this level of (bad) service?
Replies: 26
Views: 3156

Re: Would you pay for this level of (bad) service?

With regard to various gas, or even electric, power devices, I'm familiar with many cases where multiple repairs have been performed before a problem is resolved (if ever.) Absolutely never have subsequent repairs been free (even if customers argued), unless the original repairs weren't performed c...
by Mingus
Tue Dec 30, 2014 11:59 pm
Forum: Personal Consumer Issues
Topic: Games
Replies: 38
Views: 4575

Re: Games

I hear role playing can be fun.
by Mingus
Sun Dec 28, 2014 1:56 am
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 921

Re: 7 inch reel-to-reel tape [Transfer music to CDs]

I don't have much to add and know nothing about the Sony reel to reel player, but I suggest after you are done transferring your tapes to hard drive that you sell the reel to reel on ebay or the such. Because there is going to be an analog audio someone or other out there that would love to have it.
by Mingus
Tue Dec 16, 2014 12:19 am
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3371

Re: Should I buy house with a crack?

the crack is about 1/4" wide and runs across the slate tile floor across almost the whole width of the house from the living room to the kitchen. Haven't noticed anything about the street, but will ask. Key words: Slate tile floor. Slate tile, also all natural tiles such as marble require more...
by Mingus
Tue Dec 16, 2014 12:04 am
Forum: Personal Finance (Not Investing)
Topic: A perfect profession
Replies: 61
Views: 6986

Re: A perfect profession

Marketing is really interesting. Recently I was at the grocery store and had just put two cartons of eggs into my cart. I chose the reddish brown colored label with the iconic red barn on it. Then I thought those eggs were probably from the same factory farm that the eggs in the plain carton with bl...

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