Search found 589 matches

by Jackson12
Mon Jun 26, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?
Replies: 34
Views: 1785

Re: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?

If realtors disagree, then possible buyers will also disagree. To me, that argues for leaving it. If they don't like it, they can take it out. if it is a hidden treasure, it might be the one thing that seals the deal and sells the house. I'd leave it in unless it is ugly and you don't seem to think...
by Jackson12
Mon Jun 26, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?
Replies: 34
Views: 1785

Re: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?

a picture sure would help here :happy some people look for unique things like this when buying a home, adds to its character. I say leave it. I would be glad to provide a photo from the manufacturer's website, if it is allowed on this site . If not I need a workaround, given the info below: I haven...
by Jackson12
Mon Jun 26, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?
Replies: 34
Views: 1785

Re: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?

I would love a built in Murphy bed! Leave it in. And I wouldn't stage the storage room. I wish I'd had something like it in my college dorm room. A very cheap-o version. But I don't think my cinder block book shelves would have easily slid back and forth when trying to fold up a Murphy bed. :wink:
by Jackson12
Mon Jun 26, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?
Replies: 34
Views: 1785

Re: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?

When in doubt, take stuff out. Buyers want to imagine their stuff in your house, not see your stuff there. Besides, the more you take out, the larger the house appears to be. But if you're thinking about selling it with the house, then obviously leave it in. Don't expect to get more money for doing...
by Jackson12
Mon Jun 26, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?
Replies: 34
Views: 1785

Re: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?

In my area, Built- in shelves - or those which look built- in - are not typically removed before listing a home. That would seem to argue for leaving them in. What reasons do the various real estate agents give for their advice? It may be that some of them don't think this furniture is as handsome ...
by Jackson12
Mon Jun 26, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?
Replies: 34
Views: 1785

Re: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?

Look for a different realtor that knows how to sell what you have. It would have been an easy decision if all the realtors agreed. Each of the 4 who were consulted feels the house already has buyer appeal but 2 want the combo gone and 2 don't. After reading these posts, I'm going to suggest my frie...
by Jackson12
Mon Jun 26, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?
Replies: 34
Views: 1785

Re: Help, realtors disagree. Take out bookshelves, hidden Murphy bed combo before listing?

Opinions here are strongly in favor of leaving the shelves /bed combo. Great to have the info, so appreciated, Now the only issue will be what to do with a huge bonus room, the only large storage area in the house. She's going to empty it but not sure whether to try and stage it after that. But that...
by Jackson12
Mon Jun 26, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?
Replies: 34
Views: 1785

Re: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?

Leave it in, and save yourself the work. If the future buyer decides they don't like it *and* makes an issue of it, you can make a monetary concession or remove it if necessary. That's part of the ambivalence. My friend and I tend to think it's a selling point. Some realtors disagree. She'd remove ...
by Jackson12
Mon Jun 26, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 506
Views: 198708

Re: TV show recommendations?

Started watching Happy Valley , on Netflix. No, nothing to do with Penn State. This is a BBC production, set somewhere (I believe) in the British Midlands. Very well executed thriller/police procedural. Has a tone similar to The Killing or Prime Suspect (protagonist is a female police sergeant), bu...
by Jackson12
Mon Jun 26, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 506
Views: 198708

Re: TV show recommendations?

Okay stop everything and check out "The Missing" on Starz. Only two seasons (each 8 episodes) but was amazing. Also, am finishing up "American Crime" on Netflix which was good. First season was excellent. Didn't realize how good of an actress Felicity Huffman is. Good luck. Love...
by Jackson12
Mon Jun 26, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?
Replies: 34
Views: 1785

Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?

A friend asked my advice and I'm asking here because I can't step back and try to think like a buyer in this situation. She's gotten conflicting advice from 4 top real estate agents, basically a 50/50 split on " leave the combo" and " ditch the combo". Here's the details: : 1. My...
by Jackson12
Sun Jun 25, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: New Baby - Wife stay at home for 1 year?
Replies: 48
Views: 3895

Re: New Baby - Wife stay at home for 1 year?

Hi Fellow Bogleheads, I am 31, my wife 30, with a four month old, healthy baby girl in California. My wife has the option to stay at home and take 1 full year of work off (unpaid leave) and I want to see if anyone can share their own personal experience with a similar situation and what you did. He...
by Jackson12
Sun Jun 25, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio- ROI and impact of returns after taxes
Replies: 2
Views: 332

Re: 3 fund portfolio- ROI and impact of returns after taxes

I'm sure this is a newbie question but I don't understand a part of the Summary Prospectus for the Vanguard Total Bond Market Index Fund, Total International Stock Index Fund, and the Total Stock Market Index Fund. I specifically don't understand the impact of the " Average Annual Total Return...
by Jackson12
Sat Jun 24, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio- ROI and impact of returns after taxes
Replies: 2
Views: 332

3 fund portfolio- ROI and impact of returns after taxes

I'm sure this is a newbie question but I don't understand a part of the Summary Prospectus for the Vanguard Total Bond Market Index Fund, Total International Stock Index Fund, and the Total Stock Market Index Fund. I specifically don't understand the impact of the " Average Annual Total Returns...
by Jackson12
Fri Jun 23, 2017 1:52 am
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

I also wanted to tell you I sold my old kid home my self to a builder. I did some renovation prior to selling but nothing major. I did most of this work my self so the costs were just materials. The sale was complicated as the first builder did not complete the sale. So I had to sell it a 2nd time ...
by Jackson12
Fri Jun 23, 2017 1:48 am
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

When I downsized (in 2001) we took almost a year to find a home we liked that fit our new needs. Our kid home was 3300 sq ft on 1.5 acres with 4 bdrms/3 baths. We lived there 21 years. That home had a giant detached garage and two huge grass yards and 30 trees and play courts and so forth. When our...
by Jackson12
Wed Jun 21, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 36
Views: 4189

Re: Recommendation of Security Cameras for Exterior of House

Anyone have a camera which can survive extremely cold winter temperatures? Ours will be in a protected area ( porch) outside but the temperature can still get extremely low there.
by Jackson12
Wed Jun 21, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon, Freebooksy, Bookbub, etc.
Replies: 15
Views: 1299

Re: Alternatives to Amazon, Freebooksy, Bookbub, etc.

If I had to guess, I currently have around 300 to 400 books in my to-be-read pile which is actually an entire wall of built in bookcases downstairs. When I look at it and see all those unread books, I always feel unmeasurably wealthy. Consider ebooks. I have about 1000 books in an item about 6"...
by Jackson12
Wed Jun 21, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4973

Re: Alternatives to Amazon

It appears to me all kinds of things are happening and changing rapidly in online retail. Amazon is the star for keeping the consumer updated all in one easy to ready and organized layout. At the very least, they communicate with the seller through the interface. Customer service after the sale can...
by Jackson12
Tue Jun 20, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

I totally agree with many of the other comments to contact several realtors and get their consensus of what your best options are. However, my opinion of what you should consider doing is going to vary greatly. In my opinion you are not going to recover anywhere near the investment cost of the repa...
by Jackson12
Tue Jun 20, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

We want to spend as little as possible to get the house in shape but also have it appeal to buyers and sell for a fair price. This is a big red flag. Any fixes that you do should be appropriate for the price range of your house. A huge risk is that doing something like a cheap bathroom remodel woul...
by Jackson12
Tue Jun 20, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

We lived in our home for 28 years and raised our kids, 2 years ago we retired, downsized and moved 120 miles from the country to a university town and just love what we did. Do not miss the yard work, we had 2 acres and all the upkeep we had 3200 sq. ft. home. The move put us closer to our kids. As...
by Jackson12
Tue Jun 20, 2017 1:08 am
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

How are you going to downsize and not move twice? Do you have to sell your current home before buying you new smaller home? Or can you finance and cover a mortgage for the new home until you sell the old home? So I suggest you figure out your move plan first. When we purchased our current home, man...
by Jackson12
Mon Jun 19, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

Thanks. We appreciate the advice about getting a realtor's take on things...which is echoed by some others here. . We also appreciate all the perspectives offered thus far. We have had at least one unfortunate experience with a realtor who clearly wanted a quick sale and nearly convinced us to cons...
by Jackson12
Mon Jun 19, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

+1 for talking to a few realtors first. Is your market "hot" where houses in any conditions get multiple offers quickly? If so, do none of your list other than clean, declutter and maybe some paint. Nope, not super hot, although homes are moving more briskly than in the past few years. Ho...
by Jackson12
Mon Jun 19, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

I have only sold one house (21 yrs ago) and have bought a total of two in my life so take my comments with a grain of salt. I always hear people saying that you never get the value out of home improvements that you put in when it comes time to sell so if you plan to make changes / improvements you ...
by Jackson12
Mon Jun 19, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

With the HELOC, I'd go for it now rather than later, stating that you need to update your aging house. Some loan docs will ask you if you plan on selling your house within a certain period of time. Get the clock going now. You don't need to borrow the money right away but get the line of credit now...
by Jackson12
Mon Jun 19, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 1321

Re: Trying to save money on prescription drug

I have a condition where I am coughing and wheezing at night. My doctor prescribed a medication for me called Qvar inhaler. I purchased it at Walmart Pharmacy and it is working. It looks like I will have to continue taking this medication on a regular basis. The cost is $176.00 for 120 doses, and i...
by Jackson12
Mon Jun 19, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

One other thing : covering the costs. We are debt free, have reasonable emergency funds, and adequate retirement savings. However, we don't have extra funds to cover all the expenses of these updates, etc. There isn't that much slack in our budget. This is the first time we've considered a home equi...
by Jackson12
Mon Jun 19, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Re: Want to downsize, see "to do" list. What to tackle first?

Honestly, you need to hire a realtor and ask their advice. The good ones have great eyes for this stuff -- and for what's cost effective to do and not to do, Thanks. We appreciate the advice about getting a realtor's take on things...which is echoed by some others here. . We also appreciate all the...
by Jackson12
Mon Jun 19, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 3700

Want to downsize, see "to do" list. What to tackle first?

We plan on downsizing, Kids are grown. Walking up steps in a 2 story home is becoming harder for my spouse. No longer need 5 bedrooms. Want a ranch home. When it comes to deciding what has to be done to sell our home as quickly as possible, we are having trouble stepping back and seeing our home thr...
by Jackson12
Sun Jun 18, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 46
Views: 3784

Re: Long Term Care Insurance?

My John Hancock policy cannot raise premiums or reduce benefits. That is almost certainly not true. Most likely you have a policy where JH would have to go the state insurance commissioner and seek permission to raise rates for the entire class of policyholders on the ground that it's needed to ens...
by Jackson12
Sun Jun 18, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is TIAA-CREF one of the "good guys"?
Replies: 51
Views: 8160

Re: Is TIAA-CREF one of the "good guys"?

It is easy to invest in TIAA. It is super-difficult to take money out. They will make you running with (printed, missing, numerous) forms to mail or trick you to transfer into 10 year equal pay annuity instead of lumpsum withdrawal at retirement. Not good while you need money the most. . rakamaka -...
by Jackson12
Sun Jun 18, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Financial risks, financial predators, aging parents.
Replies: 1
Views: 310

Financial risks, financial predators, aging parents.

My parents are deceased but a friend faces the situation below. I've faced it too and understand his concerns. It also makes me wonder when and how to put safeguards in place so my kids can help protect our assets as we age, our cognitive skills slip, and we are more prone to financial predators. Th...
by Jackson12
Sat Jun 17, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Are there any online checking accounts that have checks?
Replies: 40
Views: 4791

Re: Are there any online checking accounts that have checks?

I'm looking for something similar to ING checking that will allow my to pay with a hard check option as well. I would also be nice to get a little interest. I was going to say that I would like to combine my emergency account, but I thought I would get ripped for it. I know that conventional wisdom...
by Jackson12
Sat Jun 17, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16283

Re: Siblings in disagreement over mom's house.

House issues have been brought up before but not in writing. Agree, 1 accident or natural disasters wipes out the house. I have also expressed my concern over not having insurance. At the very least, consider getting basic homeowner's insurance in the interim. Even an excellent insurance with high ...
by Jackson12
Fri Jun 16, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 1837

Re: Cooktop died, not repairable, need recommendations

Thanks for the info. The 36" model, the size you have, has excellent reviews. The 30 inch, for some reason, does not. Our opening is made for a 30" cooktop and expanding the opening, if even possible, wouldn't align with the placement of drawers beneath the counter. You may want to update...
by Jackson12
Fri Jun 16, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: In-network only health insurance
Replies: 17
Views: 1447

Re: In-network only health insurance

My wife's new employer offers two health insurance plans that have the exact same coverage for in-network care, but one offers out-of-network care only in emergencies, while the other has out-of-network care (details below) and costs an additional $1200/year. The third party administrator is UMR . ...
by Jackson12
Thu Jun 15, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step
Replies: 15
Views: 1095

Re: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step

For longer term, you may wish to consult an experienced attorney about a Special Needs Trust that can provide assistance without jeopardizing eligibility for other assistance programs. Yes, we are working with one . We had met with another attorney but we weren't impressed. We like our current atto...
by Jackson12
Thu Jun 15, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step
Replies: 15
Views: 1095

Re: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step

No, it's the insurance company that makes the determination. We spoke with HR during the enrollment period to verify that. Maybe it's just a matter of semantics, but in my case, eligibility had to be verified by the insurance company but it was my company's policy that they were following. It could...
by Jackson12
Thu Jun 15, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 1837

Re: Cooktop died, not repairable, need recommendations

Another plug here for induction--we installed a Miele a few years ago and it's fantastic! We needed new stainless steel cookware since it won't work with the cheapie aluminum stuff we'd used forever. Wife chose AllClad 5-ply. Thanks. If you happen to have the info on the model # I can find the curr...
by Jackson12
Thu Jun 15, 2017 4:52 am
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 1837

Re: Cooktop died, not repairable, need recommendations

+1 for induction . I have been cooking with induction for 12 years. First with a 30 inch Kenmore at my townhome, and now with a 36 inch Kenmore in my current place. Never any problem. If you have a significant number of pots and pans that are not induction compatible, there are some units that have...
by Jackson12
Wed Jun 14, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 1837

Re: Cooktop died, not repairable, need recommendations

We are about 1 yr into a bosch induction, and it's worked very well for us. I think the only options we would consider are gas and induction at this point - and I'm not sure gas really has much of an advantage (if at all). We've got kids in our house, so the ease of cleaning induction is certainly ...
by Jackson12
Wed Jun 14, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 1837

Re: Cooktop died, not repairable, need recommendations

+1 for induction . I have been cooking with induction for 12 years. First with a 30 inch Kenmore at my townhome, and now with a 36 inch Kenmore in my current place. Never any problem. If you have a significant number of pots and pans that are not induction compatible, there are some units that have...
by Jackson12
Wed Jun 14, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step
Replies: 15
Views: 1095

Re: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step

Isn't it your spouse's company's policy that determines eligibility and not the particular carrier that they select any given year? Note that even with the same carrier you may have to have coverage re-certified annually. Also, is it possible that coverage would continue even when your spouse is on...
by Jackson12
Wed Jun 14, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step
Replies: 15
Views: 1095

Re: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step

Does your son use or need medical insurance for therapies or other medical expenses associated with his disability, or are you interested in the health insurance for general medical reasons applicable to any young person? Most medical expenses, including medications, are associated with his disabil...
by Jackson12
Wed Jun 14, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 1837

Re: Cooktop died, not repairable, need recommendations

I cannot live with an electric range. I have a single burner outside the house connected to a propane tank and a stove capable of 40,000 BTUs or something. When on full blast, it sounds like a dragon breathing fire. Quickly boils water or cooks veggies. We have gas heat Our winter heating bills are...
by Jackson12
Wed Jun 14, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 1837

Re: Cooktop died, not repairable, need recommendations

Why is the electric cooktop not repairable? Burners are replaceable and so are the switches that control them. What is the nature of the failure? This is an Electrolux cooktop. We have had positive experiences with Electrolux in the past. Not this time. It was quite a search to find an appliance re...
by Jackson12
Wed Jun 14, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step
Replies: 15
Views: 1095

Re: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step

Is your son currently receiving SSDI? Not yet. We've applied but it has required appeals and has been a lengthier process than anticipated- far harder and longer than meeting the insurance requirements. We've also been told he has to have a certain number of work credits to be eligible for SSDI. Bu...
by Jackson12
Wed Jun 14, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSA, deducting medical expenses, best practices
Replies: 13
Views: 745

Re: HSA, deducting medical expenses, best practices

I too, see retirement out of pocket medical expenses as possibly alarming. It has inspired me to take more control of my health and lose 45 lbs through a better diet. As for where the expenses are paid from, it doesn't matter to me because I look at my portfolio as one big bucket and the money can ...

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