Search found 962 matches

by 2comma
Tue Apr 25, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 70
Views: 3621

Re: $300+ to remove a racoon. Really?

I tend to DIY but if I was in the business I doubt it would be profitable to do it for much less. If you think their are babies I'd ask how they plan to deal with that. My favorite trapper story was about some girls that had a weekend cabin in the woods and would frequently find field mice that had ...
by 2comma
Mon Apr 24, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 43
Views: 4743

Re: New job and offer - recruiter sent a wrong $$

Just speculation on my part but maybe the recruiter told the company your current salary. I've read stories where some companies require that information and some base their offer on that. In my day all we talked about was "expected salary". As a conspiracy theory only, perhaps the recruit...
by 2comma
Mon Apr 24, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1327

Re: Fiberglass batt in basement ceiling

I can't imagine why you'd want or need airflow between the spaces thru the floor. Any idea what the logic is behind that? I'm thinking about a two story house, even though there usually isn't insulation and if there was it would be there for sound abatement, I doubt much air passes thru the typical ...
by 2comma
Mon Apr 24, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 1388

Re: DIY Yard Tick Spray?

It seems flea and tick meds for dogs change every several years - ticks evolve and become resistant. Vets seem to know what is most effective for a given area and ours hasn't recommended Frontline for a few years now. We are using NexGard now and any ticks I find on my two dogs are dead. My understa...
by 2comma
Sat Apr 22, 2017 1:40 am
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 34
Views: 2352

Re: Best vacuum cleaner for pet hair?

I've been sold on Dyson for some time now. When my son and DIL got married I asked what they wanted for a wedding gift and she insisted on the Dyson Animal. They had 2 dogs at the time, now they have three, all shed. I asked her a few weeks ago if she still likes it, she said she loves it. We got ou...
by 2comma
Fri Apr 21, 2017 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my whole life policy?
Replies: 43
Views: 3974

Re: Should I cancel my whole life policy?

Could you define significantly? I have a relative whose parent took out a $500,000 whole life policy on them in 1984, and their death benefit has grown, but currently is only around $650,000 (dividends were not used to offset the annual premium) the death benefit, which has grown and will continue ...
by 2comma
Fri Apr 21, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2513

Re: Building your own fence

I redid about 120' of fence, by myself - new boards and mostly new 2x4's cross members but kept most of the existing posts. Nothing very difficult about it, like most construction, but it is hard work. I figure you can DIY for roughly 1/2 the cost of paying someone but it's still expensive. I've rea...
by 2comma
Wed Apr 19, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Buy a new honda or continue with old one
Replies: 33
Views: 3113

Re: Buy a new honda or continue with old one

Assuming you are in reasonable financial shape I think you've surpassed the Boglehead/Millionaire Next Door frugal car expense test. I tell my middle/upper middle class friends that ask that once a car's "personality" gets to be a pain (you can't trust it to get you to work or don't trust ...
by 2comma
Tue Apr 18, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7684

Re: Mens Blue Jeans - What are we buying now?!

Levi's 505's since high school which was over 40 years ago. I'd probably be buried in them except I won't be buried! I haven't had any problems with sizing but several years back I think the thread for the inseams was changed to something more like nylon fishing line so I get some chafe from that, m...
by 2comma
Tue Apr 18, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 2557

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

Small claims. These are pretty open and shut and generally a very well regulated area. Most likely once they receive the summons they will simply refund your money and be done with it. Many years ago a friend left his apartment spotless and the management refused to return the deposit. He called th...
by 2comma
Thu Apr 13, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Resurfacing Garage Floor
Replies: 11
Views: 1395

Re: Resurfacing Garage Floor

I have not tried resurfacers but I have a dozen or so examples of driveway repairs in the neighborhood where I walk my dogs. Sadly, all of them show failures. If the two sides of the crack are at different heights that indicates settling and odds are pretty high that anything you put over top of it ...
by 2comma
Mon Apr 10, 2017 2:45 am
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 2636

Re: Backyard shed, wood or "plastic"?

What a timely question (for me at least)! I've been looking at my 15-20 year old metal shed and it's rusting roof and thinking about going with plastic next time. I suspect that a plastic shed would probably last about that long but I haven't done my research on that yet. I'm guessing if you want to...
by 2comma
Wed Apr 05, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: BH Divers: Liveaboard recommendations
Replies: 24
Views: 1168

Re: BH Divers: Liveaboard recommendations

We've done most of our diving in Cozumel but we do bareboat charter sailboats in the BVI and have done some diving there. I've actually seen the Cuan Law in anchorages. The diving in the BVI was ok but they get this blum (coral reproduction) certain times of the year, I think sometime in the summer,...
by 2comma
Tue Apr 04, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 2008

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

We just helped our DS/DIL with one child move; in fact they had to off load the truck at the fIL's house since they couldn't close on the new house on time so it was almost 2 moves. They had a large support group on both ends and rented a giant Uhaul truck so it was cheap and went pretty quick. But,...
by 2comma
Tue Apr 04, 2017 7:09 am
Forum: Investing - Theory, News & General
Topic: advice on where to put money at age 55 to secure savings in the event of market crash
Replies: 35
Views: 3696

Re: advice on where to put money at age 55 to secure savings in the event of market crash

4) 28% federal tax rate -- I dont know what the state was Assuming you're in TN: There is the Hall Tax which was 6% on interest and dividend income. Current legislation has the tax reducing 1% per year (5% for 2016) until it's repealed in 2022. I was planning on taking SS at 62 since I don't think ...
by 2comma
Mon Apr 03, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 4222

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

Same here I read so many publications about Soc Sec all of which agrees on the fact that by 2024 there will be no money left in SS. A more correct interpretation is that the SS Trust Fund will be depleted. Once/if that happens they will be able to pay out about 75% indefinitely based on incoming re...
by 2comma
Sun Apr 02, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Advice on Long-term Health Care Insurance
Replies: 15
Views: 1468

Re: Advice on Long-term Health Care Insurance

Two things keep me from buying LTC. They are increasing rates of existing customers. They usually only cover 3-5 years of NH. I buy insurance to cover me in the event of a catastrophic loss. I can think of many conditions that would put me in a NH for well over 5 years. We'll self insure. We might f...
by 2comma
Sat Apr 01, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Seller received insurance check for Roof replacement & wants to give check to Buyer
Replies: 7
Views: 729

Re: Seller received insurance check for Roof replacement & wants to give check to Buyer

I would think the seller would be incentivized to use the cheapest shingles available and go for the lowest bid. I would think the buyer would usually want to do the opposite.
by 2comma
Sat Apr 01, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Necessary to repair termite damaged woods?
Replies: 6
Views: 715

Re: Necessary to repair termite damaged woods?

I looked at this "fix all" and it wouldn't be my first choice for wood repair. Looks like its just a fiber reinforced cement. If you just fill up the obvious cavities without stabilizing hte surrounding wood the rot can just start again - kind of like bondo'ing a car without sanding all t...
by 2comma
Sat Apr 01, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: help me understand - unlocked iphone vs clean ESN
Replies: 4
Views: 550

Re: help me understand - unlocked iphone vs clean ESN

If you want an unlocked phone (might want to use other carriers) I'd buy it that way. I bought a used iphone on swappa and found the condition they said it was in was correct - almost like new.
by 2comma
Fri Mar 31, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 143
Views: 8087

Re: When do you plan to die?

There's some good data out there that shows people who annuitize live longer on average. Something to think about. Annuitize enough and maybe you live to 120. Oh great, now the Whole Life salesmen will be trying to get people to buy enough to make it to 150... I guess that's what unintended consequ...
by 2comma
Fri Mar 31, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 143
Views: 8087

Re: When do you plan to die?

I am now 67, happy and in good health. Ten to twelve years ago I spent a lot of time in nursing homes watching my parents and the other people there die slowly and miserably. I decided to make my own decision about when it was time to go, rather than just letting nature take it's course. My plan wa...
by 2comma
Fri Mar 31, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: New Annuity Horror - Any Way Out?
Replies: 5
Views: 649

Re: New Annuity Horror - Any Way Out?

I'm not sure it's the end of the world. If it's an SPIA and she is old enough (good mortality credits) it can be a useful tool. Believe it or not I've read here that Taylor has mentioned he bought an SPIA, in fact I think he staggered two several years apart which would help with the inflation. Of c...
by 2comma
Fri Mar 31, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Massive Student Loan Debt with Mortgage Refi?
Replies: 46
Views: 2209

Re: Pay of Massive Student Loan Debt with Mortgage Refi?

Is it possible to live on just your income and for his income to go to the student loans? No, I wouldn't refinance your home (which is nearly paid off) to pay his student loans. I really think this is a generational thing. You're going to get some advice here which, while earnest and honest, isn't,...
by 2comma
Fri Mar 31, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid, tax on home sale, 3 owners
Replies: 2
Views: 370

Re: Medicaid, tax on home sale, 3 owners

Just a guess, I'll ask at lunch next week but BIL probably paid 15-20k. It's a small 2Br, 1BA in a run down area. I know he never made any improvements.
by 2comma
Fri Mar 31, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid, tax on home sale, 3 owners
Replies: 2
Views: 370

Medicaid, tax on home sale, 3 owners

I have a friend that asked me about taxes on the sale of a house that I have no idea about. His BIL has Parkinson’s, is in assisted living, only has a small amount of money and they just sold his house for $60k. They expect he will have to go on Medicaid soon. Over 5 years ago they changed the deed ...
by 2comma
Thu Mar 30, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Quandary of ML Stock Picker vs. VTSMX or VFINX
Replies: 16
Views: 919

Re: Quandary of ML Stock Picker vs. VTSMX or VFINX

Some KISS advice. Forget about shorter (1 year) term returns, look at decades long returns. You cannot control the markets and it's very unlikely you'll find the lucky few funds that beat it for a while, even a long while. I remember when Peter Lynch and the Contra Fund was all the rage; it outperfo...
by 2comma
Thu Mar 30, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing and handling shared and split assets after divorce
Replies: 55
Views: 3291

Re: Divorcing and handling shared and split assets after divorce

Since the house has $200k more equity than the condo, she can somehow compensate for that by not taking the alimony, and/or taking some money out of the 401k, and letting you keep the 20k in cash. Probably won't add up to the 200k she would owe you, but at least the kids can stay living in the fami...
by 2comma
Thu Mar 30, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: Cars - possible recession indicator?
Replies: 21
Views: 3332

Re: Cars - possible recession indicator?

I remember the late 70's when inflation was wild and I noticed coal trains were constantly running on the tracks 1/2 mile from my house to the terminals a few miles away. I figured it meant something, maybe a sign of something actionable? To this day I still don't know what it meant. I have the same...
by 2comma
Thu Mar 30, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing and handling shared and split assets after divorce
Replies: 55
Views: 3291

Re: Divorcing and handling shared and split assets after divorce

I'm a little surprised you will be able to pay for two homes, two kids, an ex and yourself on $130k/yr. It seems part of the plan is for your ex to find similar employment to pre-SAHM status. Will she be able to? Will she want to? What happens if that part of the plan fails? When I got divorced our ...
by 2comma
Thu Mar 30, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Spring Break Trip to Disney World
Replies: 67
Views: 4136

Re: Spring Break Trip to Disney World

When I was a teenager my parents got a family seasons pass to Bush Gardens - The Old Country, Williamsburg, VA. We quickly learned if it rained in the morning, then stopped, we could walk right onto any ride there. I went once with two college friends when it was hot and crowded - a totally differen...
by 2comma
Thu Mar 30, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Do I need an electrician? If so how much would it cost?
Replies: 32
Views: 2248

Re: Do I need an electrician? If so how much would it cost?

Thanks all electrician it is. If I'm going to hire electrician I will put in a 2 socket recipticle with the existing light switch. I only thought the combo was a fairly easy DIY but I guess not. Thanks for the input. This is why I ask this forum, I always seem to get a proper answer. genjix if you ...
by 2comma
Thu Mar 30, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Do I need an electrician? If so how much would it cost?
Replies: 32
Views: 2248

Re: Do I need an electrician? If so how much would it cost?

I'd think of it as adding a new receptacle in the bathroom - the fixture can be a combo if you want but it will have a separate light circuit and a separate receptacle circuit. The existing 15 amp light circuit won't do you any good. Since it's new it will have to be up to current code and you shoul...
by 2comma
Wed Mar 29, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Have had money in a managed Merrill Lynch account for years, wondering if I should switch
Replies: 30
Views: 1421

Re: Have had money in a managed Merrill Lynch account for years, wondering if I should switch

Yep, blow you mind. On $250,000 for 30 or 40 years it's amazing! Here is my favorite investment fee calculator http://buyupside.com/calculators/feesdec07.htm. Once you figure out the true fees ML is charging be prepared to be shocked!
by 2comma
Wed Mar 29, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 143
Views: 8087

Re: When do you plan to die?

Everyone tends to overestimate their longevity...snip... Believe it or not, and you can look it up, genetics only account for 25% of how long we will live. Thanks for mentioning the genetics although I assume you meant it in the broader sense of ancestors. It drives me a little crazy how much impor...
by 2comma
Tue Mar 28, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 4676

Re: Daughter maxed out credit cards, needs help from me

I like your plan - but that assumes you know your daughter. I think the trick is to exert as much control as you feel is needed so that you are sure she learns a valuable life lesson. I would not waste this opportunity. It's your money and she desperately needs your help. As a parent I don't think i...
by 2comma
Fri Mar 24, 2017 12:30 am
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4378

Re: How did you do your income taxes?

TaxAct for the last several years at $10 this year for federal and state with a discount that was just mentioned in the forum. We had foreign financial assets and non-qualified stock options this year and managed to muck our way thru once again. It wasn't easy or fun, tax filing never is for us - th...
by 2comma
Thu Mar 23, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Short time to retirement questions, thinking about bogle philosophy in light of our short time frame
Replies: 10
Views: 895

Re: Short time to retirement questions, thinking about bogle philosophy in light of our short time frame

I would like to get thoughts and advice on the benefits and limits of "indexing" at the present time (long bull market, unprecedented political situation), given that we have both a short and a (hopefully) long investment time frame to consider? The benefits of indexing are that you are d...
by 2comma
Wed Mar 22, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: taxact $10 premium deal today [includes state] [price match if already filed]
Replies: 12
Views: 1129

Re: taxact $10 premium deal today [includes state] [price match if already filed]

Thanks for posting this.

Is it going to be free to efile the federal and state or do they charge extra for that?
by 2comma
Wed Mar 22, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Spousal benefit for 65 year old divorcee
Replies: 11
Views: 1042

Re: Spousal benefit for 65 year old divorcee

https://www.ssa.gov/planners/retire/divspouse.html

You were told wrong, doesn't matter if he's collecting or not.
by 2comma
Mon Mar 20, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: House buying guidance with current finances
Replies: 30
Views: 2992

Re: House buying guidance with current finances

Two comments: The 1.25M insurance policy would only provide 6.25 years worth of salary. Add the extra year from work life insurance and you get 7.25 years. Is that enough to cover three kids all the way thru college plus your wife if something were to happen to you in the next several years? Perhaps...
by 2comma
Sat Mar 18, 2017 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4461

Re: Collection Agency - Are you kidding?

I had a similar ridiculous call from a hospital. Seems they had failed to get the contractually required pre-authorization and my insurance didn't pay. I called my insurance company and they explained the problem so I ignored it. Next call was from a collection agency - in fact if I tried to call th...
by 2comma
Sat Mar 18, 2017 1:10 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Feedback - Young College Professor
Replies: 10
Views: 919

Re: Portfolio Feedback - Young College Professor

I just skimmed most of the details as others with more knowledge will get into the specifics. I just wanted to add that if you manage to avoid periods of unemployment for an entire career you will have a great advantage working in your favor. I hope this is a tenured track position. It seems many co...
by 2comma
Sat Mar 18, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 56
Views: 5466

Re: Issue With Contractor. What to do?

If your having work done on your house make sure you are home to watch even reputable contractors . Plus one million on this post. These people simply cannot be trusted. It's a shame but that is just the way it is. That is simply not true...I have been a general contractor for 20+ years, and I and ...
by 2comma
Fri Mar 17, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3466

Re: Medical treatment in US for non US citizen

I wonder if her home country has any government agencies/politicians, philanthropist or organizations that may be willing to assist in either raising funds or helping her to enter the US (perhaps on a temporary emergency basis)? As far as St. Jude the cut-off age is 21 and they do accept internation...
by 2comma
Thu Mar 16, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase and Sale of home: pearls of advice
Replies: 29
Views: 2477

Re: Purchase and Sale of home: pearls of advice

At the public school my son went to he actually mentioned the student parking lot was where the new high dollar cars were parked and the teachers parking lot was where the 10 year old civics were. I drove by one day and sure enough... I've bought and sold a few houses without an agent. It really is ...
by 2comma
Thu Mar 16, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 56
Views: 5466

Re: Issue With Contractor. What to do?

No surprise. Be the squeaky wheel. If that doesn't work call codes compliance and see if they can do anything (but I wouldn't tell them who you are just in case). Consider small claims court, I've seen the notice to appear put a fire under contractors. He didn't pull electrical or plumbing permits s...
by 2comma
Thu Mar 16, 2017 8:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's recommendation
Replies: 15
Views: 1810

Re: Vanguard's recommendation

I've taken several of those questionnaires over many years and come to the conclusion that they don't do a very good job of determining AA. The great recession taught me more about my real willingness to take risk than any quiz ever could. I suspect a large number of people need some encouragement t...
by 2comma
Thu Mar 16, 2017 7:07 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9836

Re: Anyone else taking less risk

I did the same - reduced as I approached retirement. Before that I was 80/20 thru thick and thin my whole accumulating life.
by 2comma
Wed Mar 15, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 4364

Re: Dispute with neighborhood association

Thanks for getting back to us and I'm glad it was a happy ending!

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