Search found 1115 matches

by Cosmo
Sat Jul 15, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3132

Re: What am I missing here? [I'm a bachelor]

Yes. What you would pay in nominal terms over 30 years if you kept the house that long and paid off the loan is not a very informative comparison to current rent. If inflation stays positive, the loan payment is decreasing in real terms over time. The homeowner's mortgage deduction from taxable inc...
by Cosmo
Sat Jul 15, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: If i turn off central AC will it damage drywalls?
Replies: 38
Views: 3237

Re: If i turn off central AC will it damage drywalls?

Big temperature changes in a house are not good for the structure or the trim, paint and caulk of your house. All materials will expand and shrink at different rates as temperature and humidity goes up or down. Same goes for furniture. Result is cracks and potential warping of materials. Leave HVAC...
by Cosmo
Sat Jul 15, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: If i turn off central AC will it damage drywalls?
Replies: 38
Views: 3237

Re: If i turn off central AC will it damage drywalls?

Big temperature changes in a house are not good for the structure or the trim, paint and caulk of your house. All materials will expand and shrink at different rates as temperature and humidity goes up or down. Same goes for furniture. Result is cracks and potential warping of materials. Leave HVAC...
by Cosmo
Sat Jul 08, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 1697

Re: Buying a house in FEMA flood zone X

Talk to the neighbors, if there has been any problems they will tell you (complain to you) If they are new, ask them who has lived in the area the longest, ask them You will learn more from them then any municipal or FEMA map......Gordon While I agree with this in principle, the problem with this i...
by Cosmo
Sat Jul 08, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 1697

Re: Buying a house in FEMA flood zone X

A common misunderstanding exists that a 100-year flood is likely to occur only once in a 100-year period. In fact, there is approximately a 63.4% chance of one or more 100-year floods occurring in any 100-year period. Flood events greater than the 50-year flood occurred at intervals of 4 to 192 yea...
by Cosmo
Sat Jul 08, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 1697

Re: Buying a house in FEMA flood zone X

Dear all: We put in an offer for a house in NJ and was accepted by the owner. Today, I found out that the house is in FEMA flood zone X and as per my real estate agent we don't need flood insurance. The house is in great condition and it fits all our needs. We are concerned about the flood zone X. ...
by Cosmo
Sat Jul 08, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Term Life Insurance - what age to buy?
Replies: 13
Views: 951

Re: Term Life Insurance - what age to buy?

Curious to hear opinions on those who have been through this already. Im 28, recently married, no kids. Income $165k/yr. Wife makes $105k/yr. Only debt for us is our house mortgage (1445/month) Cars paid off. College paid off. Etc etc. 401k maxed out for each of us yearly. Backdoor roth maxed out f...
by Cosmo
Sun Jul 02, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 8194

Re: LED Flood Light Question (CREE/FEIT/Etc)

In my case, the existing cans were well-anchored so I didn't need anyone to hold them down. There were a couple with big gaps between the can and the drywall cuts, so I took the opportunity to fill those gaps (although the lip on the retrofit lights would have covered those gaps anyway). For the va...
by Cosmo
Sun Jul 02, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 8194

Re: LED Flood Light Question (CREE/FEIT/Etc)

I just installed about 40 of these at my mothers, last year. I just used some generic retros from HD. I suggest two people, I had one of my guys go in the attic and hold down the can, went smooth and quick, given the existing cans weren't screwed down and some slightly bigger in diameter that I had...
by Cosmo
Sun Jul 02, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 8194

Re: LED Flood Light Question (CREE/FEIT/Etc)

I followed this thread when it originally came out. Ended up doing 30+ of these: http://www.homedepot.com/p/Commercial-Electric-5-in-and-6-in-White-Recessed-LED-Trim-with-2700K-90-CRI-CER6730MWH27/206950542?MERCH=REC-_-PIPHorizontal1_rr-_-206887082-_-206950542-_-N No failures so far. They look far ...
by Cosmo
Sun Jul 02, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 8194

Re: LED Flood Light Question (CREE/FEIT/Etc)

By the way, if anyone is thinking about replacing their 65 watt incandescent flood lights with the CREE LED bulbs, I just had a very good experience with these today. In the main kitchen area, I have a total of 6 65 watt BR30s in recessed cans. When one of them recently burned out, I decided to go ...
by Cosmo
Sun Jun 25, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: Worth it to attempt repair on A/C condenser?
Replies: 33
Views: 2066

Re: Worth it to attemp repair on A/C condenser?

Hello all, I have 2 zones of central air in my home. Each has an air handler and an outside condenser. The upstairs zone was changed out completely about 2 years ago. I have both zones serviced every year religiously. The most recent servicing of the downstairs unit was about a month ago. My heatin...
by Cosmo
Thu Jun 22, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3565

Re: which IPAD?

My 1st generation iPAD is now very slow for browsing so I am thinking about a new iPAD. Since I am in the Apple eco system, I am only looking at iPADs. I am using it mostly for reading and for surfing the net when I am not close to my PC. Which model do you recommend? Should I wait until the new iP...
by Cosmo
Thu Jun 15, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 16557

Re: Poll: 401K Match

I recently learned a brother-in-law has a 200% match on his 401K. I am curious as to what the match is on most 401Ks. I'm sure some of the choices on this poll will be poor, but I think it might be interesting anyway. Try to fit yourself into a category, if you don't, then pick other and explain be...
by Cosmo
Sat Jun 03, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: WHAT!? Us! Double comma! Can I pull back?
Replies: 27
Views: 4012

Re: WHAT!? Us! Double comma! Can I pull back?

TallBoy29er wrote:Combined you pull in $260 k per year. Maxing 401k's would put you at $234 k before taxes. That's a solid income. We obviously don't have your full situation, but on its face, it seems like there should be room in your budget to cash flow the effort.


+1
Cosmo
by Cosmo
Thu Jun 01, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5440

Re: Used 2013 Audi A5 or New Honda Accord Sport

I love German engineering. I don't like German engineering repair costs. I'll take the Honda Accord Sport, please...

Cosmo
by Cosmo
Thu Jun 01, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a bucket to pay your mortgage or pay from core?
Replies: 36
Views: 2477

Re: Do you have a bucket to pay your mortgage or pay from core?

whodidntante wrote:I use a bucket when I wash my car, but not for my mortgage.


+1

For a working stiff such as myself, any buckets I have are empty and I make any future payments with dollars I don't have yet.

Cosmo
by Cosmo
Thu May 25, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Major home and auto hail damage claim - now what?
Replies: 8
Views: 994

Re: Major home and auto hail damage claim - now what?

I also disagree with the poster who said it was a nightmare. It was a pretty easy process for us. Not sure if the process varies from state to state but here in Texas, I suspected hail damage so I filed a claim with the insurance company. Within a week, I had the insurance claims adjuster meet with ...
by Cosmo
Sun May 21, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1898

Re: Tire Puncture - plug from outside or patch and plug from inside

I'm automotive technician we are not allowed to use the plug from the outside the tire kits. All tires must be prepped, plugged, and patched from the inside per tire manufacturers and the Rubber Manufacturer Association. These are the standard guidelines any shop should be using. These rules have c...
by Cosmo
Sun May 21, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 3822

Re: Need new Router/Wifi Networking Ideas

Hopefully you don't have AT&T U-verse. While you can set up a mesh network with AT&T U-verse, it is a bit more complicated.
by Cosmo
Thu May 18, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1898

Re: Tire Puncture - plug from outside or patch and plug from inside

Just take to Goodyear Tire and they will plug for free.
by Cosmo
Tue May 16, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 89261

Re: High Earners - What's Your Profession?

Meteorologist.
by Cosmo
Sun May 14, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4947

Re: Can you suggest a mortgage lender who does not resell

My understanding is that Wells Fargo doesn't resell the servicing of mortgage loans. You'd want to confirm that with them, though. While I agree with this, the problem is they are seldom competitive when it comes to shopping around for a mortgage. Since they are my incumbent bank, I always look to ...
by Cosmo
Sat May 13, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Interested in lake property
Replies: 36
Views: 4076

Re: Interested in lake property

Save your money and rent a vacation place or cabin instead. You will still come out way ahead even it you rent it 10 times per year. The honeymoon will be over in a few years when the home requires maintenance and you end up spending portion of your weekend time working on your second home keeping i...
by Cosmo
Tue May 09, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 6382

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

https://finance.yahoo.com/news/gundlach-shorts-sp-500-etf-says-passive-investing-myth-214252048.html Furthermore, he argued that pension funds are abandoning their fiduciary duty by opting for passive investments. And so what does Jeff do? Why he goes long in a PASSIVELY managed iShares MSCI Emergi...
by Cosmo
Tue May 09, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 4228

Re: Best salads

Love spinach salads!

Base: Spinach

Extras: Egg, 1/2 avocado, onion, carrots, cucumber, bacon bits from breakfast, whatever lunch meat (turkey, ham, etc) cheese, salt, pepper

dressing: 2/3 olive oil, 1/3 balsamic vinegar

Cosmo
by Cosmo
Sun May 07, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3454

Re: Swing Set 2700.00??

Three possible results: 1. Your kids love it, use it for several hours a day until they are middle schoolers. 2. Your kids get bored with it after a couple of weeks. 3. You have the best set in the neighborhood and there are always 20 kids in your backyard even when you aren't home. I've seen all t...
by Cosmo
Sun May 07, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3478

Re: First 100 mile bike ride

That's why tomorrow's brunch is going to be great. I did 4 100-mile days in a row. Always had a chicken=fried steak with mashed potatoes plus biscuits to break up each day's ride. The first time I did the MS150 from Houston to Austin, I carried water and only ate at Whataburgers and Blizzards at Da...
by Cosmo
Sun May 07, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3478

Re: First 100 mile bike ride

Getting ready to do my first 100 mile bike ride in a month. This one also has 10k feet of climbing. I avg about 75 miles each week between commute and a weekend ride. Any tips for a first timer from those who have done it already? Man that's a lot of climbing. I would do a good 70 mile ride prior t...
by Cosmo
Wed Apr 26, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5399

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

Hi guys Has anyone had any experience trying to remove a raccoon from crawlspace or attic. I have one (possibly a mother with babies) that I need to get rid of quick due to work that needs to be done in my crawlspace. I've tried a couple of DIYs, like ammonia around the entry/exit point, critter re...
by Cosmo
Sat Apr 15, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes -Filing an Extension for Mother
Replies: 2
Views: 331

Taxes -Filing an Extension for Mother

My elderly mother has been in the hospital for the last several days and she will not be able to do her own taxes. All of my sisters are totally freaking out about it and were going to call the IRS and ask them what to do. I told them (they are all in another state) that she needs to file Form 4868....
by Cosmo
Sat Apr 15, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: radio alarm clock that projects the time on the wall or ceiling
Replies: 18
Views: 1613

Re: radio alarm clock that projects the time on the wall or ceiling

A family member who does shift work uses one. She has tried a couple of the ones in the $10-20 range from Amazon and a local store. Don´t expect the greatest quality on any of them. One lasted a year or two. The other, the projector stopped working in about 3 months. Also, research indicates light ...
by Cosmo
Sat Apr 15, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Pay off debt or fund retirement accounts?
Replies: 23
Views: 1786

Re: Pay off debt or fund retirement accounts?

I do not think you should live without an emergency fund. Banks can revoke your card and if so, likely when you need them most. The advice above to use a cc as your emergency fund is risky. The OP would still have around $5,000 left in the emergency fund and would have TWO credit cards to use in th...
by Cosmo
Sat Apr 08, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Apple CarPlay? My preferred car company isn't...
Replies: 33
Views: 2623

Re: Is anyone using Apple CarPlay? My preferred car company isn't...

If you are that obsessed about having CarPlay, then just get an aftermarket "CarPlay" for your Mazda. Sony makes one:

https://9to5mac.com/2016/12/08/sony-aft ... available/
by Cosmo
Sun Apr 02, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 11482

Re: Saving 50% of salary; what does it really mean?

They mean after tax. That seems like it should have been the obvious answer to you. Actually, you would be wrong assuming that "should have been the obvious answer". I interpret that as 50% of gross income. Why shouldn't I look at it that way, when a potentially large chunk of your salary...
by Cosmo
Thu Mar 30, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Two iPhones, one iCloud account, ring just one phone
Replies: 10
Views: 946

Re: Two iPhones, one iCloud account, ring just one phone

Check in two places. Settings------>FaceTime and Settings----->Messages. It is important that each of you only have your own phone numbers (and emails) checked. Finally, go to Settings-----> Phone and make sure you disable wireless calling. It is not necessary to have two Apple IDs! This should fix....
by Cosmo
Sun Mar 26, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Can a cell phone get hacked?
Replies: 20
Views: 2294

Re: Can a cell phone get hacked?

Can a cell phone get hacked? Yes - google and you will find the answers - just about everything has been hacked. Waiting for my toaster to be hacked. Android phones - http://money.cnn.com/2016/11/30/technology/android-phones-infected/ Apple phones - http://www.foxnews.com/tech/2017/03/24/wikileaks-...
by Cosmo
Fri Mar 24, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 4343

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Google is your friend. Yes this sounds like a scam. See link below: http://abcnews.go.com/US/dealership-charge-motor-vehicle-tax-car-purchase/story?id=26515737 That link doesn't reference any scam? it doesn't say the dealership was trying to scam the guy out of $1700 more then he paid, sounds like ...
by Cosmo
Fri Mar 24, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3876

Re: What is your preferred Weather App?

I am a meteorologist who works at an energy commodities firm. I have not found a weather app that I have liked yet. There is presently no weather app that is based of off official NOAA/NWS national weather forecasts. NOAA does not have an official weather app per se but they do have some awesome mo...
by Cosmo
Fri Mar 24, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 4343

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Google is your friend. Yes this sounds like a scam. See link below: http://abcnews.go.com/US/dealership-charge-motor-vehicle-tax-car-purchase/story?id=26515737 That link doesn't reference any scam? it doesn't say the dealership was trying to scam the guy out of $1700 more then he paid, sounds like ...
by Cosmo
Wed Mar 22, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3876

Re: What is your preferred Weather App?

Iphone here. What app do you prefer? I've used "Weather Channel" for a while but would like to try something different. I just use the default Apple Weather app. I never really thought to use a 3rd party weather app (it's the weather...) but I'll check some of these out. -WallStreetPhysic...
by Cosmo
Wed Mar 22, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3876

Re: What is your preferred Weather App?

I am a meteorologist who works at an energy commodities firm. I have not found a weather app that I have liked yet. There is presently no weather app that is based of off official NOAA/NWS national weather forecasts. NOAA does not have an official weather app per se but they do have some awesome mob...
by Cosmo
Tue Mar 21, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3955

Re: Do I need new tires?

Here's the backstory. My car is a '03 Honda Accord with 127,000 miles. After an oil change this week I asked my mechanic to check my six year old tires. His shop doesn't sell tires. His conclusion, although tread is at legal limits of 2/32, he recommends I replace all four simply because of their a...
by Cosmo
Sun Mar 19, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Creating a Will
Replies: 33
Views: 2552

Re: Creating a Will

I think a will and living trusts are important enough to make sure they are done right and should be left to a lawyer to do instead of risking it with a software program. We also set up a "letter of intent", to help guide the executor of our will in case they had any questions about distr...
by Cosmo
Sun Mar 19, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Creating a Will
Replies: 33
Views: 2552

Re: Creating a Will

Bogleheads, Despite being 25 years of age, as a personal banker I often see the negative effects of improper planning of death. Thankfully, most of the scenarios have had a positive outcome (speaking lightly of death), however I have experienced a couple of scenarios when greed intervenes or disorg...
by Cosmo
Sat Mar 18, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 4407

Re: Investing in - WATER - thoughts

Is there really a scarcity of water in California? I don't believe so. You got an endless supply of water from the Pacific via desalination. In fact, the nation's largest desalination plant is located in San Diego County and is expected to furnish the county up to 10% of their water supply. The onl...
by Cosmo
Sat Mar 18, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 4407

Re: Investing in - WATER - thoughts

Just watched the NatGeo special on the California water crisis - http://channel.nationalgeographic.com/water-and-power-a-california-heist/ As a friend pointed out - the wild west has always had its battles around water rights, and now it has been ramped up between the various modern day players. BT...
by Cosmo
Sat Mar 18, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 10714

Re: Anyone else taking less risk

I realize no one can predict the end of this rally and when the next correction will come, but has anyone else adjusted their asset allocation to a more conservative one because it has been a long bull market whether it was hated or not. I went from 65/35 to 60/40 just in case. #1: Pigs Get Fat, Ho...
by Cosmo
Sat Mar 18, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 2102

Re: When does a new computer make sense...

I'll never go back to a non-Retina screen. Not sure you need one though and we haven't upgraded the iMac to one with an SSD or better screen. Happy with the new macbook. I have a 2011 iMac model so going on six years. Still working just great; I have not noticed any slow down yet. In fact, when I c...
by Cosmo
Fri Mar 17, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 4420

Re: Help with rebuttal to a Facebook post

A guy I know who works for Edward Jones put this article on Facebook. https://www.americanfunds.com/individual/insights/investment-insights/five-american-funds-that-beat-the-first-index-funds-lifetime-results.html?cid=sm_fb_10224 Would you guys more familiar than I with the index funds and the tric...

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