Search found 266 matches

by Mingus
Fri Aug 28, 2015 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 99
Views: 5361

Re: If stocks dropped 30% next Monday, would you rebalance?

celia wrote: :?: :?: :?: Don't you mean rebalance INTO equities when they are down? Or are you assuming it is the BOND market that keeps dropping?


It's a trick question!
by Mingus
Fri Aug 28, 2015 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 99
Views: 5361

Re: If stocks dropped 30% next Monday, would you rebalance?

More than likely I'd be glued to the TV listening to the talking heads talk about how much more stocks might drop. As well as the majority of the population. It's a no win situation before the fact. I rebalance, and stocks fall another 30%. I don't rebalance, stocks bounce back 70%. Given that, I'd ...
by Mingus
Wed Aug 19, 2015 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Home Insurance [Possible damage caused by nearby construction]
Replies: 9
Views: 962

Re: Home Insurance [Possible damage caused by nearby construction]

saladdin wrote:
denovo wrote:Intuitively, this seems like something the construction company would cover, not your ho policy.


Wished I had Ho insurance when I was in my 20's.


You may not have had ho insurance, but what was your ho policy?
by Mingus
Fri Aug 14, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: 2008 Honda Accord with only 10K miles. Any major service needed?
Replies: 47
Views: 3360

Re: 2008 Honda Accord with only 10K miles. Any major service needed?

Now, for brake fluid, yes, it's hygroscopic, meaning it absorbs water. However, I have an '05 with original brake fluid and the brakes feel fine to me. Not spongy at all. My inner mechanic wants to find reasons to do things to the car, but there's no evidence that the brake fluid has absorbed any w...
by Mingus
Wed Aug 12, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: "If your bank knew you did this they'd freak!"
Replies: 22
Views: 5766

Re: "If your bank knew you did this they'd freak!"

Ugh.. Weird Trick, accidental discovery, something to avoid, Soon to be banned, Top 10 something, Top 5 something, Five worst foods (with a picture of broccoli or something else actually healthy), etc. I avoid anything along those lines. It's all click bait. Usually links to a CPU hogging website wi...
by Mingus
Sun Aug 09, 2015 1:55 am
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 6125

Re: Former Housemate Owes Money - What to do?

I was once a former housemate who owed money and didn't pay. My two housemates moved out about two weeks before I did, yet had lived at the house for a much longer period of time than I did. They pretty much packed their bags and left. It took me nearly the entire two weeks to clean the house and ha...
by Mingus
Tue Jul 28, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fiber company wants to offer $ for new line
Replies: 7
Views: 903

Re: Fiber company wants to offer $ for new line

$400 seems like a pretty lowball offer for 400' of easement, unless you live in the middle of Wyoming. But if that were the case, there wouldn't be a need for fiber.

You can get more. Probably a lot more.
by Mingus
Tue Jul 28, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 13782

Re: Would you look down on a co-worker for driving a beater?

The disagreement, however, is on what it's saying. Is the driver of the beater car saying "I'm broke and can't afford anything better?" Or are they saying, "I'm completely lacking in self-awareness and think my car looks perfectly fine?" I saw a beater the other day driving up t...
by Mingus
Sun Jul 26, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 13782

Re: Would you look down on a co-worker for driving a beater?

My thoughts are what you drive, how you dress, and personal hygiene are very much who you are. Do you need to drive a $50K + BMW/Mercedes/Audi? No. But if your car is falling apart from rust... You probably need to better maintain your possessions. If I see someone driving a rusted out car, my first...
by Mingus
Wed Jul 22, 2015 12:55 am
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 94
Views: 9889

Re: Worst financial book you have read (or will admit you have read)

The Four Hour Work Week.

I remember very little other than it talked about outsourcing everything and living the good life on leases and credit.

The only thing redeeming was the fact it was a library copy.
by Mingus
Mon Jul 20, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 6238

Re: Do you hate your vehicle infotainment system?

Mine is okay to mediocre. Its a 2013 Toyota. But I don't like it. And probably the worst part is the head unit is some crazy dimension with only one aftermarket manufacturer (Alpine) that makes a custom fit unit for a crazy price. And the even worse part is that unit is pretty much 98% touchscreen o...
by Mingus
Sun Jul 19, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: How do I fix a hole in this wooden door?
Replies: 42
Views: 2441

Re: How do I fix a hole in this wooden door?

That door is beyond repair. At least in the sense of making it look the same as before without a cost far greater than just replacing the door.

It can be mended.. But just have it replaced.

Looks like someone jabbed it with the end of a broom stick.
by Mingus
Wed Jul 15, 2015 12:34 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 4479

Re: Are the more expensive bikes worth paying for?

Yes. I recently upgraded my 15+ year old bicyle. I was originally wanting to spend in the 800 dollar range and what I rode in that price range really wasn't much better than what I had. Not enough anyways to justify spending money for little upgrade Luckily there was a discontinued 2014 Tricross Eli...
by Mingus
Tue Jul 07, 2015 10:07 pm
Forum: Personal Consumer Issues
Topic: kitchenaid vs. bosch dishwasher
Replies: 61
Views: 3501

Re: kitchenaid vs. bosch dishwasher

I recently bought a Bosch. I would have preferred to have gotten a kitchenaid due to the fact that service and parts would be easier. And they are a little bit classier looking in my opinion. And I'm not at all convinced of the superiority of German engineering when it comes to anything with electro...
by Mingus
Tue Jul 07, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: If you wouldn't buy it, then you should sell it
Replies: 35
Views: 3831

Re: If you wouldn't buy it, then you should sell it

I think this has more to do with trivial consumer purchases such as a bread machine that hasn't been used in five years, or a countertop pizza baking oven that was cool to use the first three times, and finally got stored away in the the back of the cabinets and forgotten about. Not long held stock ...
by Mingus
Fri Jun 19, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Should I open up floor of very old home to search for old coins?
Replies: 35
Views: 5157

Re: Should I open up floor of very old home to search for old coins?

Chances are there is a subfloor under the surface floor boards. In new houses that is plywood (or in cheaper construction particleboard), in older houses it would be planks running across joists, and then the flooring running with joists. At least that is how it was done in my house, and my underst...
by Mingus
Fri Jun 19, 2015 12:17 am
Forum: Personal Consumer Issues
Topic: Should I open up floor of very old home to search for old coins?
Replies: 35
Views: 5157

Re: Should I open up floor of very old home to search for old coins?

I think this is something that is fun to talk about, but not something that you actually do.

Also, hire a professional floor re-finisher.
by Mingus
Wed Jun 03, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: Visiting Nephews: Water Guns and Nerf Weapons
Replies: 29
Views: 3897

Re: Visiting Nephews: Water Guns and Nerf Weapons

There are some parents who do not believe that children should have "weapon" type toys. So, if you decide to get these, you might want to check with the parents to make sure they are acceptable to them. Parents who don't believe little boys should have weapons better confiscate all the st...
by Mingus
Thu May 28, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: FBI background check: Go direct or use channeler?
Replies: 8
Views: 1329

Re: FBI background check: Go direct or use channeler?

Go direct.

I had my finger prints done. Mailed them to the FBI. A few weeks later received the report back.

No problems. It was really easy.
by Mingus
Tue May 26, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodeling and Microwave Food
Replies: 30
Views: 2036

Re: Kitchen Remodeling and Microwave Food

bottlecap wrote:How about a grill? A microwave isn't good for much but leftovers.

JT


Some might argue that a MW isn't even good for leftovers.
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: 2142

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: 256
Views: 35787

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: 2592

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: 2609

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: 6482

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: 2609

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: 6482

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: 3210

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: 7136

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: 7136

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: 3424

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: 4979

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: 1358

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: 11107

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: 1162

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: 1162

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: 6466

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: 1162

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: 2280

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: 2280

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: 5344

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: 4062

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: 1456

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: 2011

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: 2561

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: 3274

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: 4127

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: 3442

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: 525

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: 12262

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...

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