Search found 594 matches

by Mingus
Sat Mar 17, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Mountain Bike
Replies: 8
Views: 920

Re: Mountain Bike

Not really. You have to go to an independent bike store and ride some.

From my experience, the 1000 dollar bike is not really much better than a 400 or 500 dollar bike. And one needs to spend about 1500 to get something that is an actual upgrade from the 500 dollar bike.
by Mingus
Sat Mar 17, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Techniques in helping other with poor money skills
Replies: 27
Views: 2387

Re: Techniques in helping other with poor money skills

Not to say that paycheck to paycheck is a bad thing No. Living paycheck to paycheck is an absolute horrible bad thing. I think the majority of people who do live paycheck to paycheck probably experience stress from it. There is no reason to sugar coat this and try to make being a paycheck away from...
by Mingus
Sat Mar 17, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8782

Re: traveling to mexico, should I be concerned?

Yea, I wouldn’t trust anything on TripAdvisor after reading that. It's not just TripAdvisor that does that. The whole online comment/reviews thing world wide is censored and gamed. Yelp Reviews. Amazon reviews. Manipulated trending topics on Twitter. Etc. Do they delete posts related to crimes? Def...
by Mingus
Sat Mar 17, 2018 9:00 pm
Forum: Forum Issues and Administration
Topic: Can mods & Admin read your private messages?
Replies: 14
Views: 1966

Re: Can mods & Admin read your private messages?

Cheyenne wrote:
Sat Mar 17, 2018 8:41 pm
If you don't want someone else to read your "private" messages, don't put them in writing.
That's why some people don't use email, but I'm not mentioning any names.
That's why other people have private email servers. I won't mention any names either.
by Mingus
Sat Mar 17, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: Is Cash Trash? The Purpose of Cash
Replies: 178
Views: 18186

Re: Is Cash Trash? The Purpose of Cash

hilink73 wrote:
Sun Mar 04, 2018 12:37 pm
Rick Ferri wrote:
Sun Mar 04, 2018 12:26 pm
People often ask what purpose cash has in a portfolio. Cash serves two purposes; it’s either waiting to be invested or it’s waiting to be spent.

Rick Ferri
Big, if true.
If true, then big.
by Mingus
Sat Mar 17, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8782

Re: traveling to mexico, should I be concerned?

Yea, I wouldn’t trust anything on TripAdvisor after reading that. It's not just TripAdvisor that does that. The whole online comment/reviews thing world wide is censored and gamed. Yelp Reviews. Amazon reviews. Manipulated trending topics on Twitter. Etc. Do they delete posts related to crimes? Def...
by Mingus
Sat Mar 17, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8782

Re: traveling to mexico, should I be concerned?

Iliketoridemybike wrote:
Sat Mar 17, 2018 7:20 pm

Yea, I wouldn’t trust anything on TripAdvisor after reading that.
It's not just TripAdvisor that does that. The whole online comment/reviews thing world wide is censored and gamed. Yelp Reviews. Amazon reviews. Manipulated trending topics on Twitter. Etc.
by Mingus
Sat Mar 17, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8782

Re: traveling to mexico, should I be concerned?

I was there a month ago and felt safer than most cities in the States. Your probably far more likely to die from terrorism in NYC or Washington DC than anywhere in Mexico. That is 100% true. And it's because the drug cartels in Mexico have less than zero tolerance for terrorists. But, then there's ...
by Mingus
Sat Mar 17, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8782

Re: traveling to mexico, should I be concerned?

If you want a different perspective, read what foreign country state departments recommend about travel to the US! It's funny how violent the Europeans think America is. Maybe they're right... Majority of the violent crime in the US is in a relatively small amount of zip codes. And none of them are...
by Mingus
Sat Mar 17, 2018 7:06 pm
Forum: Forum Issues and Administration
Topic: Can mods & Admin read your private messages?
Replies: 14
Views: 1966

Re: Can mods & Admin read your private messages?

Yes. And so can the NSA and CIA.
by Mingus
Sat Mar 17, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Techniques in helping other with poor money skills
Replies: 27
Views: 2387

Re: Techniques in helping other with poor money skills

Not to say that paycheck to paycheck is a bad thing No. Living paycheck to paycheck is an absolute horrible bad thing. I think the majority of people who do live paycheck to paycheck probably experience stress from it. There is no reason to sugar coat this and try to make being a paycheck away from...
by Mingus
Sat Mar 17, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 12881

Re: Need advice re: Liberal Arts Colleges...

Google will crash and burn if they put an overt emphasis on those skills rather than hiring the smartest engineers and coders they can find.

There are also race discrimination lawsuits against Google currently.
by Mingus
Sat Mar 17, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: How banks create money, not from deposits
Replies: 132
Views: 11294

Re: How banks create money, not from deposits

Unless I am missing something, when a bank or credit union makes a loan - the balance sheet (assets and liabilities) bottom line stays the same. I think that's right, two things of equal value are created, which offset each other. But only one of the two things is money, therefore the amount of mon...
by Mingus
Sat Mar 17, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16847

Re: Bought house six months ago - now feeling like we're treading water and can't save money

Well, you're spending an extra 249 dollars a month on the mortgage, and an additional 400/month on charity. That's $7,778/year right there that could be used for saving money.

Your utilities are dirt cheap. I wish where I lived had those low costs.
by Mingus
Sat Mar 17, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 12881

Re: Need advice re: Liberal Arts Colleges...

It takes certain kind of people to be a STEM person. If your daughter is not one of those, you should not push her toward that major. I take offense at this generalization of a "STEM person." I think all he/she is saying is for someone to be successful in STEM, they need to have a different set of ...
by Mingus
Sat Mar 17, 2018 1:01 am
Forum: Investing - Theory, News & General
Topic: Could all of these "low expected returns over next 10 years" predictions be wrong?
Replies: 120
Views: 11078

Re: Could all of these "low expected returns over next 10 years" predictions be wrong?

F150HD wrote:
Fri Mar 16, 2018 5:45 am

Recall what 'they' were predicting for LAST year? doom and gloom. Its hard to believe anything I read anymore??
It's all lies to push a narrative and scare people.
by Mingus
Thu Feb 01, 2018 12:02 am
Forum: Personal Consumer Issues
Topic: Trex Decking Without Fascia
Replies: 27
Views: 1790

Re: Trex Decking Without Fascia

You could try flipping the boards... But there would be a few problems. First, the screws are old and brittle. So many would break while trying to unscrew them. Or, maybe they were nailed. Then there'd be the risk of splitting some boards in the process of pulling nails. But it's wood, so fairly for...
by Mingus
Wed Jan 31, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Trex Decking Without Fascia
Replies: 27
Views: 1790

Re: Trex Decking Without Fascia

$30/square feet seems really high to me. Sounds like a pretty easy DIY project to remove and replace the decking boards. Does the whole deck need rebuilt or just the decking boards? I think it looks better with a fascia board but I don't think it looks bad without. My 2 cents :sharebeer Everything ...
by Mingus
Wed Jan 31, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3600

Re: How to ship two big tubs of butter internationally?

Are we agreed that Livesoft's suggestion makes the most sense? Just overnight the butter with no temperature control required? Do you think the butter would last two days? two-day shipping would save me a fair bit of money versus overnighting it. Why wouldn't it last two days? Butter doesn't requir...
by Mingus
Thu Jan 11, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: How to learn creative writing?
Replies: 23
Views: 1491

Re: How to learn creative writing?

If by "it" you mean natural talent or ability to be creative, including to imagine, to be curious, to have some ability to write well, to have something to say and to write it in a unique voice, I think there's much truth in that. That's exactly what I meant. You sir/ma'am have a very natural talen...
by Mingus
Thu Jan 11, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 1770

Re: How to pay for a new kitchen and dinning room

Speaking here as someone contemplating a kitchen remodel. IF you can afford it, IF you enjoy using the kitchen, it could be a reasonable use of money and much of it might be recovered on resale (not that resale matters if you are staying for 10-20 years). Certainly a better use of money than buying...
by Mingus
Thu Jan 11, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 3132

Re: Antarctica [anyone traveled there?]

Lot's of people seem to be going to Antarctica. Been a lot of activity down there since WWII. Your guess is as good as mine.
by Mingus
Thu Jan 11, 2018 1:43 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 1770

Re: How to pay for a new kitchen and dinning room

So is that contractor going to spend six months on this? ) Probably. Remodeling takes substantially more time and more expense than new construction. And larger contractors have a lot of overhead to cover as well. There's the estimator. His truck. The office lady. The office. A couple or more guys ...
by Mingus
Thu Jan 11, 2018 1:22 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 1770

Re: How to pay for a new kitchen and dinning room

What the hell is the "contractor" doing other than cashing a $50k check??? Moving some walls around. Ensuring a certain level of construction quality. Acting as the intermediary between the client and the trades. And covering all the details that the work performed by others are not responsible for...
by Mingus
Thu Jan 11, 2018 12:53 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 1770

Re: How to pay for a new kitchen and dinning room

How on earth could it cost $100K to remodel a kitchen and dining room? I'm not sure how you would even remodel a dining room, other than new paint/carpet/furniture. That sounds like about $3K - $4K tops. 20K for cabinets. 10K for solid stone counters. 10K for high end pro-consumer appliances. 5K fo...
by Mingus
Thu Jan 11, 2018 12:47 am
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 8685

Re: How much/little money to give kids so they continue to work

One thing you could do to avoid moral hazard is to tell them they aren't going to be getting anything other than family furniture and jewelry because you have brought them up right and educated them and know that they can make their own way in the world and that everything will be going to charity....
by Mingus
Thu Jan 11, 2018 12:43 am
Forum: Personal Consumer Issues
Topic: How to learn creative writing?
Replies: 23
Views: 1491

Re: How to learn creative writing?

I think you either have it or you don't.

If you have it, it can be made better. But if you don't have it results will be limited.

Has anyone ever told you that you are very creative, or exclaimed how good of a writer you are?
by Mingus
Thu Jan 11, 2018 12:33 am
Forum: Personal Consumer Issues
Topic: Lease a Silverado 4x4 extended cab for $152 month?
Replies: 23
Views: 2690

Re: Lease a Silverado 4x4 extended cab for $152 month?

Wow!

What region is this lease deal in?

Sounds incredible. If these numbers are legit, and I were in the market for a truck I'd jump all over this. But I'd want the 5.3 at a minimum. Not the 6.
by Mingus
Thu Jan 11, 2018 12:30 am
Forum: Personal Consumer Issues
Topic: Latest generation RAM 1500's
Replies: 27
Views: 1881

Re: Latest generation RAM 1500's

I wouldn't touch a chrysler product with a ten foot pole.

There's a new Silverado coming out later this year. I'd wait for that, and also consider a Ford.
by Mingus
Thu Jan 11, 2018 12:23 am
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8867

Re: Kodakcoin

Time for SearsCoin. RadioShackoin. JCPennyCoin. KMartCoin. And various other HailMaryCoins. Why stop there? We need crypto currency as unique as we are individuals. I propose a DIY kit for anyone to have their own crypto that's as easy as 123. Pick a name for the currency, and $9.99 later a startup...
by Mingus
Thu Jan 11, 2018 12:10 am
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8867

Re: Kodakcoin

OkieIndexer wrote:
Wed Jan 10, 2018 1:10 pm
nisiprius wrote:
Wed Jan 10, 2018 11:55 am
Maybe we all can actually get rich, this time.
Yes, somehow we can all get rich this time, and there won't be any inflation to completely offset it. Hmm...doesn't compute.
It'll be different this time!
by Mingus
Thu Jan 11, 2018 12:05 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 1770

Re: How to pay for a new kitchen and dinning room

I can't imagine spending the 25% of the value of a home/land on upgrading one room in the house. Dining room will be a fraction of the cost of the kitchen.

Seems like a foolish use of the banks money.
by Mingus
Fri Dec 22, 2017 1:24 am
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 87
Views: 9043

Re: New Honda CRV is MotorTrend's SUV of the year

My first new car was the 1973 Motor Trend Car of the Year. How could you go wrong? Unfortunately it was the Chevrolet Vega. No... I thought it was the Monte Carlo that was the 1973 car of the year. I bought one used, 25 years later as half joke that was in really good condition. My folks had decade...
by Mingus
Thu Dec 21, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 41
Views: 5151

Re: Downsizing - How much to invest in a house before selling?

Myself personally, I'd rather buy a house that needed the walls painted rather than buy a house that had a "quick me cover up" paint job. Same for kitchen flooring and carpet. Would much rather move into a home that was extremely clean than covered in cheap white paint, and cheap beige carpet. Depen...
by Mingus
Fri Dec 08, 2017 12:46 am
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 89
Views: 7873

Re: Bitcoin now the largest quantifiable bubble in history?

Thesaints wrote:
Thu Dec 07, 2017 6:07 pm
The Bolsheviks will be happy :)
What do you mean? Isn't bitcoin the opposite of central control?
by Mingus
Sat Dec 02, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k, when, and how?
Replies: 26
Views: 2358

Re: What to do with extra 50k, when, and how?

Put it towards paying your house off and make the goal of being free of the slavery of debt.
by Mingus
Thu Nov 30, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 10394

Re: Why should I donate to my alma matter?

It takes billions in fund-raising to even be a contender Is that the new term for palm greasing? I wonder what happens when the "fund raising" result turns out other than expected... 8-) It's all advertising budget. Do you have a TV, radio, or computer? You might have seen some of this over the pas...
by Mingus
Thu Nov 30, 2017 5:06 am
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 10394

Re: Why should I donate to my alma matter?

daveydoo wrote:
Wed Nov 29, 2017 12:43 pm
It takes billions in fund-raising to even be a contender
Is that the new term for palm greasing? I wonder what happens when the "fund raising" result turns out other than expected... 8-)
by Mingus
Tue Nov 28, 2017 10:19 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 27066

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

retprof wrote:
Tue Nov 28, 2017 10:03 pm
They speak of electronic town meetings.
Wait until AI Bots overtake electronic town meetings to push a narrative.
by Mingus
Tue Nov 28, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 27066

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

...People said the same thing about the internet... Who? I really don't remember that. See if you can find some quotations from the 1990s to back up what you are saying. I'm not saying there weren't, but I really don't remember much naysaying. There was a long period when not many people knew about...
by Mingus
Tue Nov 28, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Too much house, right?
Replies: 88
Views: 8952

Re: Too much house, right?

Along the same lines, the entire house doesn't have to be finished to your final vision right away. For example, finishing the basement might not be a priority while your kids are young, but a nice finished rec room or whatever would be great when they're older. You could maybe even find a plan whe...
by Mingus
Tue Nov 28, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4544

Re: Paying for news?

Caduceus wrote:
Tue Nov 14, 2017 10:42 am
Have you looked at FB's earnings recently? You should be asking them to pay you because you are the product. You're a captive consumer on their platform where they can serve you an unending number of advertisements. 8-)
FB has gotten good enough that the sheep lead themselves to slaughter now.
by Mingus
Mon Nov 27, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 6900

Re: Non Stick frying pan

Get yourself a good cast iron pan, use a little oil and it's totally non stick even with eggs. Iron is better for you than aluminum as well. Lodge is common, here is the fancy brand http://www.stargazercastiron.com/ >The entire interior of our skillet is machined to a smooth finish. That means food...
by Mingus
Tue Oct 24, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: HELP! Possible Mold in House
Replies: 14
Views: 1766

Re: HELP! Possible Mold in House

Joey_Freshwater wrote:
Mon Oct 23, 2017 8:55 pm
I did notice that the vent fan simply vents into the attic which doesn't seem right does it?
There's the cause of the problem. Or at least a problem. Fan needs vented to outside.
by Mingus
Sun Oct 22, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 39
Views: 3198

Re: Installing a slide inside a home?

How large is each floor of the house? What's the vintage of the home? Without knowing what your floorplan looks like... I'll have to use my imagination. I think if the slide was not visible in the main public spaces of your house, this could be pretty cool. Especially if doors could close it off, so...
by Mingus
Thu Oct 19, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Landscapers lack of a permit becomes my problem
Replies: 19
Views: 2747

Re: Landscapers lack of a permit becomes my problem

Please list the city so I know to never move somewhere where a permit (AKA money grab) is required to remove an invasive species.
by Mingus
Sun Sep 10, 2017 1:27 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 6174

Re: Do I need an Amazon Echo??.....

MP123 wrote:
Fri Sep 08, 2017 4:13 pm
Sending every word said in my house to Amazon to be analyzed? :shock:

No thanks.
You don't want Amazon analyzing your conversations to figure out what to tempt you with in order to purchase? And that's only the best case scenario.
by Mingus
Sat Sep 09, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 41256

Re: Name something you had to have and now you regret purchasing it?

Jazztonight wrote:
Tue Sep 05, 2017 4:15 pm
A Lexus.

I bought a Camry, and have happily driven it for the last 15 years.

I've had my Camry only 4 years. But still I must ask, are we the same person?
by Mingus
Mon Dec 26, 2016 4:37 am
Forum: Personal Consumer Issues
Topic: How to become a public speaker?
Replies: 30
Views: 3384

Re: How to become a public speaker?

Having attended several types of meetings, conferences, etc. over the years in several different roles and capacities, it seems to me that the (highly) compensated public speakers are folks with "celebrity" status, such as former politicians, Apparently some former politicians can command quite the...