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Re: How far away from a freight railroad track should you li

We are about three miles and a few nights a year I can hear it. But it is very faint.
by rec7
Sun Apr 26, 2015 8:01 pm
 
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 11
Views: 303

Re: How much do you pay in Property Taxes?

Pajamas wrote:About $8.50 in annual real estate taxes per square foot for a small apartment. It goes up every year.

I'd be interested to hear what others pay per square foot for a condo or co-op.


Wow that is high what state?
by rec7
Fri Apr 24, 2015 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 178
Views: 8390

Re: Transmission oil one inch over the full line would that

I have found a flashlight, a screwdriver,an oil filter wrench and my engine oil three inches above full mark after checking work through the years done by others. All of these items were found in the engine compartment. In fact the oil filter wrench fell off half way home. I heard that one hit the ...
by rec7
Thu Apr 23, 2015 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1222

Re: Transmission oil one inch over the full line would that

Have you exactly followed the directions in your car's manual for checking the transmission oil level. Very often there are specific steps involved, not just checking the level while running. There is generally guidance on how long to warm up the engine and how you should let it cool down if you ha...
by rec7
Thu Apr 23, 2015 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1222

Re: Transmission oil one inch over the full line would that

Since when do car owners check the transmission oil right after it's been changed? Why? I wouldn't question anyone one double-checking another's work. Even the best can make mistakes. I have found a flashlight, a screwdriver,an oil filter wrench and my engine oil three inches above full mark after ...
by rec7
Thu Apr 23, 2015 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1222

Re: Transmission oil one inch over the full line would that

I was guessing .5 inch would not hurt but I did not know about one inch.
by rec7
Wed Apr 22, 2015 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1222

Transmission oil one inch over the full line would that be a

Transmission oil one inch over the full line would that be a problem? Had the fluid changed and they filled it one inch over the full line.
by rec7
Wed Apr 22, 2015 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1222

Re: New Water Heater

I've posted about my water heater adventures before, but... Where I live, water heaters are typically installed in the attic. Which, to be honest, freaks me out more than a little. So I do what I can to try to prevent a catastrophe. I don't know if it really helps, but I drain the sediment every Oc...
by rec7
Wed Apr 22, 2015 12:58 pm
 
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 40
Views: 2852

Re: How much do you pay in Property Taxes?

Doom&Gloom wrote:$235 (including my 50% senior citizen discount)

~3000 sq ft on 1.8 acres in MS.


That is amazing.
by rec7
Tue Apr 21, 2015 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 178
Views: 8390

Re: New Water Heater

I have had problems before breaking off handles to the flush valve or not being able to get it closed completely again so I finally stopped doing it. That has happen to me also so I am shy about doing it often. While I was replacing the flush valve(everything off and cool) I screwed in a one foot s...
by rec7
Tue Apr 21, 2015 2:15 pm
 
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 40
Views: 2852

Re: How much do you pay in Property Taxes?

Also in northern NJ but unfortunately I pay $56,000! And yep marginal tax rates are high and NJ caps your property tax deduction at $10k for state tax purposes - AND we have the nation's most penal estate tax regime! Not many better alternatives for Manhattan commuters, and I love it here, but from...
by rec7
Tue Apr 21, 2015 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 178
Views: 8390

Re: TX, MT, CO, and NM Comparative Tax Burden

If you had a high income Amarillo would be the lowest tax burden it just depends on income.
by rec7
Tue Apr 21, 2015 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: TX, MT, CO, and NM Comparative Tax Burden
Replies: 37
Views: 1863

Re: EmergDoc on the James Lange Program

Always liked EmergDoc and these this Lange Program is a great podcast. It just got moved into my podcast list.
by rec7
Thu Apr 16, 2015 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: EmergDoc on the James Lange Program
Replies: 17
Views: 3360

Re: regret and depression...how to deal with it

Once I met a man that was a millionaire he told me he would trade it all for the heart he had at 18. Money is good but without your health it is not very useful.
by rec7
Sat Apr 11, 2015 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5762

Re: regret and depression...how to deal with it

Buying CD's instead of some of the things I have done would look very smart. LOL I spent several years in the market and made less than people in CD's.
by rec7
Sat Apr 11, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5762

Re: Has Anyone had a Credit Card Cancelled for not Using It

Does this usually happen after one year of not using it or two?
by rec7
Sat Apr 11, 2015 11:12 am
 
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3742

Re: Legal question

One more question. What is your guess from the date you hand in the paperwork until your trail date how much time?
by rec7
Thu Apr 09, 2015 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1052

Re: Legal question

Thanks so much.
by rec7
Thu Apr 09, 2015 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1052

Re: Legal question

Thanks everybody this is my first time do anything like this.
by rec7
Thu Apr 09, 2015 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1052

Re: Legal question

So if I understand this right denovo it is just the business name only on style of case something like In the matter of John Smith V. xyz inc.
I have the RA and the address listed at another spot on the form.
by rec7
Thu Apr 09, 2015 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1052

Re: Legal question

denovo wrote:
rec7 wrote:Yes it is a registered corporation I called the state.


Then you just sue the corporation and do not list the name of the owners.


He is located out of state does that matter?
by rec7
Thu Apr 09, 2015 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1052

Re: Legal question

I am going to small claims court. I am filling out the information sheet to start it. Sam jones owns xyz inc. I John Smith am taking xyz inc. owned by Sam Jones to court Under Style of Case I am not sure how it should read: In the matter of John Smith V. xyz inc. or should it read In the matter of ...
by rec7
Thu Apr 09, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1052

Re: Legal question

Yes it is a registered corporation I called the state(1) that boarders out state(2).
by rec7
Thu Apr 09, 2015 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1052

Re: Poll: What is the credit limit of your credit card?

I had to fight tooth and nail to get a credit limit over 2500 dollars. I started working in 2008 and credit was TIGHT. I had to pay for a hotel stay on a business trip over 3 different credit cards! Now I finally have one card with a 20k limit and a couple others around 10k-15k. For some reason the...
by rec7
Thu Apr 09, 2015 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Poll: What is the credit limit of your credit card?
Replies: 56
Views: 3449

Re: Legal question

I did that but she said it was a legal question and could not answer. I thought about options two since it has both names.
by rec7
Thu Apr 09, 2015 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1052

Legal question[How do I file a claim in small claims court?]

I am going to small claims court. I am filling out the information sheet to start it. Sam jones owns xyz inc. I John Smith am taking xyz inc. owned by Sam Jones to court Under Style of Case I am not sure how it should read: In the matter of John Smith V. xyz inc. or should it read In the matter of J...
by rec7
Thu Apr 09, 2015 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1052

Re: Your homeowner and auto insurance annual rate increases?

Following up my comment above, I am now in the process of obtaining new quotes from several companies on both auto and homeowner's insurance. So far, GEICO is higher on both. (No. They don't save me 15% or more!!) State Farm is higher on both as well AARP Hartford, although their rates are still st...
by rec7
Wed Apr 08, 2015 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your homeowner and auto insurance annual rate increases?
Replies: 30
Views: 3202

Re: Cell phone question

I might use a camera once every three years. So I am trying to keep the money down.
by rec7
Tue Apr 07, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cell phone question
Replies: 10
Views: 944

Re: Cell phone question

Thanks I needed a camera but hated to waste the money on something I might not use again. I don't have a cell phone but might need one in the future so I thought about buying one instead of a camera. The money is around the same amount. I just had another idea maybe I could buy a disposable camera a...
by rec7
Tue Apr 07, 2015 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cell phone question
Replies: 10
Views: 944

Cell phone question

Can you take pictures and video on a cell phone without cell phone service?
by rec7
Tue Apr 07, 2015 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cell phone question
Replies: 10
Views: 944

Re: Montauk Credit Union High CD Rates

I just wonder how a credit union could be so small in the middle of NYC. I belong to one in St Louis with 150,000 members. The rate mine pays in not near as good as Montauk.
by rec7
Tue Mar 31, 2015 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Montauk Credit Union High CD Rates
Replies: 16
Views: 1709

Re: Montauk Credit Union High CD Rates

I am bumping this old post. The rates look good. I wonder why this credit union has less than 4 thousand members in NYC?
by rec7
Tue Mar 31, 2015 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Montauk Credit Union High CD Rates
Replies: 16
Views: 1709

Re: Hate where we live, do we make major changes?

I like it Cold, Peaceful and Quiet in Northern New England U.S. Crime Index State Rank Higher crime index value means more crime. Rank Crime Index ▼ State / Population 1. 3,774 District of Columbia / 601,723 2. 2,297 South Carolina / 4,625,364 3. 2,259 New Mexico / 2,059,179 4. 2,233 Tennessee / 6,...
by rec7
Sun Mar 29, 2015 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12279

Re: Hate where we live, do we make major changes?

I can't thank you all enough for the varied perspectives. Let me clear up a few things. I live in Western NY (I'm not sure where "upper" came from, my bad). Cold weather rolls in by late Oct, and doesn't roll out until April, on average. Right now there's still snow on the ground, the win...
by rec7
Sun Mar 29, 2015 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12279

Re: Hate where we live, do we make major changes?

I live in Missouri not great weather but better than yours in upper NY. But it is cheap here. I would be careful about moving to far south. I will not go south of Missouri unless it is out west. Humidity can be a bear. I would not mind spending the summers in North Dakota.
by rec7
Sun Mar 29, 2015 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12279

Re: Reorganizing credit cards and accounts

I just canceled four cards. Some people will scream about that but my score is still 795. I am trying to make my life more simple.
by rec7
Fri Mar 27, 2015 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 3013

Re: Which credit union are you a member of?

I wonder why Montauk Credit Union in NYC only has 3700 members? Any ideas? It has been around since 1922.
https://www.montauk-cu.com/about.asp#history
by rec7
Sat Mar 21, 2015 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5069

Re: Which credit union are you a member of?

Penfed (agree with the primitive website comments), which I mostly use for their rewards Visa. [u] Also USAA which like others I consider nearly a CU. [/u] I use it mostly has my checking account as longer term cash is held elsewhere. I really like USAA's ATM refunds and the ability to scan checks ...
by rec7
Fri Mar 20, 2015 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5069

Re: Which credit union are you a member of?

Penfed (agree with the primitive website comments), which I mostly use for their rewards Visa. [u] Also USAA which like others I consider nearly a CU. [/u] I use it mostly has my checking account as longer term cash is held elsewhere. I really like USAA's ATM refunds and the ability to scan checks ...
by rec7
Thu Mar 19, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5069

Re: Tax question I forgot to include the $7 dividends my IRA

I know they are not taxable but do you report them each year?
by rec7
Tue Mar 17, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question I forgot to include the $7 dividends my IRA ear
Replies: 3
Views: 493

Tax question I forgot to include the $7 dividends my IRA ear

Tax question I forgot to include the $7 dividends my IRA earned in 2014. Do I have to redo my taxes?
by rec7
Tue Mar 17, 2015 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question I forgot to include the $7 dividends my IRA ear
Replies: 3
Views: 493

Re: When you put some credit cards in a drawer and not use t

I have also heard they will not close a card with a positive balance credit on it. I don't know if this is true but for .02 a card I will give it a try.
by rec7
Mon Mar 09, 2015 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1975

Re: Keurig-cup coffee makers - why?

Here's a question to drip coffee users who use the paper filters. I use a Mr. Coffee at night to program my morning brew and I use a reusable filter. I noticed no drip coffee users mentioned using one. Are the paper filters superior to the gold filter? I'm actually a very new coffee maker user so I...
by rec7
Mon Mar 09, 2015 9:34 am
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12791

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Give Stop acting rich a try. It is a great book.
by rec7
Sun Mar 08, 2015 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 12428

Re: When you put some credit cards in a drawer and not use t

Thanks everybody it sounds like most companies leave them open.
by rec7
Sun Mar 08, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1975

When you put some credit cards in a drawer and not use them

When you put some credit cards in a drawer and not use them do some companies close them and some not?
by rec7
Sat Mar 07, 2015 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1975

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Very very sad. His books are my second favorite behind the Bible. I loved Millionaire Next Door and Stop Acting Rich. On a side note, what is the difference between these two books? I have read Millionaire Next Door, but the title "Stop Acting Rich" made me think it was similar subject ma...
by rec7
Mon Mar 02, 2015 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 12428

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Very very sad. His books are my second favorite behind the Bible.
I loved Millionaire Next Door and Stop Acting Rich.
by rec7
Mon Mar 02, 2015 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 12428
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