Search found 426 matches

by Mingus
Thu May 26, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 75
Views: 3691

Re: Painting House Interior - How easy to do it yourself?

I am baffled at the number of responses that indicate painting is easy. Painting is a PITA, especially for amateurs...nobody listened to my earlier response. I'm a long time professional and it ain't easy... Cleaning out your tools properly takes time and it takes time to learn how to do this the r...
by Mingus
Tue May 24, 2016 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Why are health care funds down in 2016?
Replies: 10
Views: 906

Re: Why are health care funds down in 2016?

Well, this makes me feel a little bit better. Bitter sweet.

My ROTH used to be pretty close to 80 - 90% Vanguard Health care fund. I refuse to look at what that fund has done since exiting it to become more diversified.

Please no one tell me its actually up this year.
by Mingus
Mon May 23, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 75
Views: 3691

Re: Painting House Interior - How easy to do it yourself?

I don't think there are any regular latex paints that are not made for brushing. What has changed is that a lot of modern paints are formulated to go on very thick and dry extremely fast One would be classified as insane to attempt to brush walls with modern water based paint that sets up in 10 sec...
by Mingus
Mon May 23, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: Building an enclosed breezeway
Replies: 9
Views: 775

Re: Building an enclosed breezeway

If it has to be done, I'd go underground. Then you can be the guy with the secret passage between the house and the garage. Build a bookcase in front of the entry points that swings out. No one but you knows the passageway is there. Great place to keep contraband hidden too if there is ever another ...
by Mingus
Mon May 23, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 75
Views: 3691

Re: Painting House Interior - How easy to do it yourself?

People are talking about rollers. Yes that is very fast and much less labor intensive that using brushes. I am a control freak and prefer brushes. Ooh, this is something I'm interested in. There are some brushed rooms still in my house, and it looks cool. My research on the matter has led me to bel...
by Mingus
Mon May 23, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 75
Views: 3691

Re: Painting House Interior - How easy to do it yourself?

four easy steps 1) buy paint, paint gear, beer, order pizzas 2) call or email as many friends/family as possible 3) tape trim before everyone arrives 3) paint, drink, socialize Part 4 will take 3-4 hours depending on how many friends show up (and how much beer is consumed) You forgot step 5. Having...
by Mingus
Fri May 20, 2016 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Rebuilding our house for $1.5M: Bad Idea Financially?
Replies: 87
Views: 7492

Re: Rebuilding our house for $1.5M: Bad Idea Financially?

I think you should do it with one caveat: Maybe consider something smaller than 3K SF. How big is your lot? If you built a 3K SF house, especially a ranch style, even a two story home has a pretty big footprint. Would you have any yard left? It seems the trend today is huge house TINY yard. There's ...
by Mingus
Tue May 10, 2016 11:14 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4530

Re: Noise Reduction

Just remember it's easier to isolate high frequencies than low. Motorcycles, semi trucks, your neighbor's bass music, are basically impossible to 'stop' without picking up and moving your house. Thick plaster walls baby, I mean bobby. That combined with other deliberate techniques to control sound ...
by Mingus
Tue May 10, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Finishing Attic Space - Code Issue with Walkup Stairs
Replies: 20
Views: 2076

Re: Finishing Attic Space - Code Issue with Walkup Stairs

House was built between 1900 and 1910. All douglas fir framing, true framing dimensions (ie 2x6 vs 2x5.5). As noted I will pull a few attic boards up this weekend to have the info, maybe plug them into one of those online calculators. Douglas Fir, the mightiest of the softwoods. Especially in early...
by Mingus
Tue May 10, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4530

Re: Noise Reduction

The things that kill noise are - mass - distance (sound decreases by the inverse of the square of the distance) - isolation Both mass and isolation are outrageously expensive to retrofit into residential property. Sorry. Been there, done that. If I'm ever in a situation where I'm having a home buil...
by Mingus
Tue May 10, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes for a summer babysitting gig
Replies: 14
Views: 1271

Re: Taxes for a summer babysitting gig

You worry about it, because it is tax evasion otherwise. Is that what you want to teach your children in their first job? You really don't get to decide whether this is W-2 employment or self-employment. With this fact pattern it really requires w-2 employment. Yes, it is a little bit of work to do...
by Mingus
Tue May 10, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4530

Re: Noise Reduction

FrugalInvestor wrote:Some ideas here....

http://www.familyhandyman.com/walls/how ... ep-by-step


It would probably be less expensive to sound proof the master bedroom than to move. If everything else is okay, it might be worth looking into.
by Mingus
Mon May 09, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: Finishing Attic Space - Code Issue with Walkup Stairs
Replies: 20
Views: 2076

Re: Finishing Attic Space - Code Issue with Walkup Stairs

Cool.

With stairs and everything going up there, I suspect, hopefully, the joists are beefy enough. And it looks like you have close to 9 or 10' of ceiling height at the roof peak.

Is it smoking hot up in there in the summer?
by Mingus
Mon May 09, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Finishing Attic Space - Code Issue with Walkup Stairs
Replies: 20
Views: 2076

Re: Finishing Attic Space - Code Issue with Walkup Stairs

OK, that's what I was planning. It seems to be the one 'gotcha' that I can identify for this project so I am a little nervous You're project would be almost impossible if the City forced you to upgrade those stairs to 36 wide" Unless where you live is the most unfriendly residential remodel pl...
by Mingus
Fri May 06, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment of Benefits Riches
Replies: 9
Views: 3098

Re: Embarrassment of Benefits Riches

celia wrote:Mingus, I doubt that medical and dental insurances would coordinate benefits with each other. Sounds like you have an unusual combination.


I have no idea. But it works out for me. And apparently my dentist as well.
by Mingus
Fri May 06, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 13836

Re: how much cash do you carry in your wallet?

I let it get down to around $20 and then top it up to $200 at the ATM I could never get around without cash, looking at the times we go out to eat with friends, restaurants/stores that don't take cards, stores that have a minimum purchase to accept cards, sidewalk grocery vendors, etc.. (NYC) And w...
by Mingus
Fri May 06, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 13836

Re: how much cash do you carry in your wallet?

I've noticed that people differ a fair amount in how much cash they carry around. I very rarely have more than $100 and often less. This is because I pay for most things with cards, plus carrying large amounts of cash makes me uncomfortable. One time someone who owed me about $300 offered to give m...
by Mingus
Fri May 06, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Steam Shower - Your experiences?
Replies: 30
Views: 3610

Re: Steam Shower - Your experiences?

Steam shower is an expensive upgrade that will likely be neat the first time you use it. And quickly fizzle out to "why did I waste my money" by the third to fifth time of use, assuming you even use it that many times. I do like the idea of the rainfall shower heads. I think it'd be a wort...
by Mingus
Fri May 06, 2016 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment of Benefits Riches
Replies: 9
Views: 3098

Re: Embarrassment of Benefits Riches

Maybe I misunderstand your thinking, but you will not be able to collect from both policies for the same incident/procedure. Why not? Many people have dual coverage. But they won't pay more than 100% of the bills, if that's what you're thinking (although I had that happen one year). I have really i...
by Mingus
Thu May 05, 2016 10:16 am
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 52
Views: 5027

Re: Revealing Usernames

Except for a very few specific reasons, it's really best to keep one's online identity as anonymous as possible I can imagine user John Smith, or user Jane Doe commenting about something, or perhaps offering their personal opinion on a matter. Months later, years later even they interview for a posi...
by Mingus
Tue May 03, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 3817

Re: Sunscreen

But for those of us with an abundance of testosterone clear spray-on sure works much easier than lotion. Curious, is this in reference to body hair? Yes. I actually suspect lotion is better than the clear spray for protection, but rubbing in the lotion is very difficult. I have from time to time se...
by Mingus
Tue May 03, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 3817

Re: Sunscreen

I have no idea why anyone wouldn't use spray on. Because most of it ends up in space, not on your body. A great boon to the manufacturers! Probably destroys the ozone layer on its way. Not with modern propellent. My joke must have flown under the radar. Sunblock that blocks UV destroys ozone, which...
by Mingus
Mon May 02, 2016 11:39 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 3817

Re: Sunscreen

sarahjane wrote:
MrNewEngland wrote:I have no idea why anyone wouldn't use spray on.


Because most of it ends up in space, not on your body. A great boon to the manufacturers!


Probably destroys the ozone layer on its way.
by Mingus
Mon May 02, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 3817

Re: Sunscreen

As an aside, I am not sure about the reliability of the Environmental Working Group. (1) If the chemicals in sunscreen were that bad, why would the FDA give approval? (2) Web MD quotes EWG, but also quote doctors that differ about the danger, and (3) This website makes it appear like the EWG is a l...
by Mingus
Fri Apr 29, 2016 10:47 pm
Forum: Personal Consumer Issues
Topic: cost to replace furnace
Replies: 8
Views: 876

Re: cost to replace furnace

I recently got a quote for right around 4200 USD for an American Standard 95% efficient furnace all costs inclusive about an hour or so north of Vancouver, WA. I don't remember the BTU rating, nonetheless, there isn't much that much of a price difference between different ratings. I do think mine wa...
by Mingus
Thu Apr 28, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 4677

Re: Young Male Living with Parents

Socially, no complaints. Good-looking girlfriend and lots of friends. Go out every Friday and Saturday night. Take vacations regularly. Attend sporting events. No issues there. Perfect. Any negative comments they throw your way are coming from a place of resentment. They resent your freedom, and th...
by Mingus
Wed Apr 27, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: Pea gravel as paver patio alternative
Replies: 28
Views: 2503

Re: Pea gravel as paver patio alternative

You don't want pea gravel. You need something that will pack down. And pea gravel just sort of squishes around.
by Mingus
Tue Apr 26, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 3367

Re: Honda Accord or Subaru Legacy

Have you driven both the V6 and 4 cyl Accords to compare? Sure the V-6 one will be quicker, but you may prefer how the 4 cyl drives. Better braking, better handling, better steering. Plus better gas mileage. +1 C/D and R&T both preferred the 4 cylinder over the v6 in their reviews. Basically it...
by Mingus
Tue Apr 26, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 3367

Re: Honda Accord or Subaru Legacy

Apologies, you're right. I do see some 2014 EX/EX-Ls lower than 20k. I was mostly looking at the EX-L V6, and going off of that in my head. Unfortunately, I don't live in a major metropolitan area, though, which would add to the acquisition cost. I tend to stick almost exclusively to cargurus as it...
by Mingus
Thu Apr 21, 2016 2:05 pm
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 11341

Re: What are Pros and Cons to the "Four Hour Workweek?"

I've always wondered why people who have supposedly made a lot of money doing X go into business selling books about how to make money doing X. I can think of a few reasons 1) They have been very successful, have made theirs, so why not share with the world how they did it. The counter argument to ...
by Mingus
Tue Apr 19, 2016 5:20 pm
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 11341

Re: What are Pros and Cons to the "Four Hour Workweek?"

I've always wondered why people who have supposedly made a lot of money doing X go into business selling books about how to make money doing X. I can think of a few reasons 1) They have been very successful, have made theirs, so why not share with the world how they did it. The counter argument to ...
by Mingus
Tue Apr 19, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Small packages delivered from China
Replies: 14
Views: 1583

Re: Small packages delivered from China

So over the last 3-4 weeks or so I have been getting these strange small padded envelopes from China and one from Istanbul. In total I've gotten like 7 or 8 all about the size of your hand. They have contained basically worthless things. I am lost as to how this is happening and yet strangely excit...
by Mingus
Tue Apr 19, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Coin Collecting (will coins increase or decrease in value?)
Replies: 36
Views: 3343

Re: Coin Collecting (will coins increase or decrease in value?)

I am surprised to learn that ancient Roman coins are generally worth so little. You sound kind of pessimistic when you phrase it that way. Another way to phrase it would be that you're surprised to learn that they generally cost so little. In any case, some Roman coins are quite expensive. But it's...
by Mingus
Sun Apr 17, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8904

Re: Better than amazon??

Bogleheads: Just heard about "priceblink". It is a chrome extension that searches for the cheapest available price for any given item. Sounds promising! I just tried this. Looked up a few random products on Amazon, price blink did its thing, brings up some better prices on eBay, maybe som...
by Mingus
Sun Apr 17, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Is it possible to repair rotted wood on a structure?
Replies: 16
Views: 1987

Re: Stain it is

daveatca wrote:And, you can formulate your own with: linseed oil and turpentine.


That won't add any weather protection. But if you add pine tar, in equal parts with the above ingredients, now you have something.
by Mingus
Fri Apr 15, 2016 2:32 pm
Forum: Personal Consumer Issues
Topic: Decommisioning a laptop
Replies: 35
Views: 2482

Re: Decommisioning a laptop

Remove the hard drive and destroy it. Hammer, flamethrower, drill press, table saw, bench vise, soak in a container of gasoline and throw a match into it...

Then take the computer to be recycled.

No need to invent complicated time consuming methods.
by Mingus
Thu Apr 14, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 7053

Re: Cast Iron Frying Pans

https://www.kickstarter.com/projects/field-company/the-field-skillet-lighter-smoother-cast-iron Cool. I might pursue one of these. For those interested, this is an American made cast iron pan company in Michigan, with a smooth finish like the Wagners and Griswolds of old. Unlike the rough Lodge pan...
by Mingus
Wed Apr 13, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: Advice on Buying a House with Illegal Basement?
Replies: 44
Views: 5061

Re: Advice on Buying a House with Illegal Basement?

Note that as long as the asbestos tile is intact you don't have to cover it unless you want to. However, if you want a new floor for aesthetic or other reasons, the best option is to just cover the asbestos tile. The second best option is to have a licensed professional remove it. There is no third...
by Mingus
Wed Apr 13, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Advice on Buying a House with Illegal Basement?
Replies: 44
Views: 5061

Re: Advice on Buying a House with Illegal Basement?

But red lights go off with the phrase "finished basement". I believe in real estate parlance, finished basement implies it has a C of O (as required of any finished space) and it is likely included in the square footage of the listing. Was the basement included in your listing square foot...
by Mingus
Tue Apr 12, 2016 10:46 pm
Forum: Personal Consumer Issues
Topic: Advice on Buying a House with Illegal Basement?
Replies: 44
Views: 5061

Re: Advice on Buying a House with Illegal Basement?

reriodan wrote:Wouldn't touch a place with a 10 foot pole even if it was only on the same block of a place that contained asbestos.


Why?
by Mingus
Tue Apr 12, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: Advice on Buying a House with Illegal Basement?
Replies: 44
Views: 5061

Re: Advice on Buying a House with Illegal Basement?

Dude2 wrote:^^^
You're right, though, I don't see any shenanigans here by the seller.


I see no shenanigans either. Based on the description of the basement by the OP, it needs gutted anyways. Especially if they intend to remodel it. A CO can be gotten at the time the basement is refinished.
by Mingus
Tue Apr 12, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Advice on Buying a House with Illegal Basement?
Replies: 44
Views: 5061

Re: Advice on Buying a House with Illegal Basement?

There is another consideration: insurance. If you have an illegal structure you may not be able to get homeowners insurance. The mortgage company will require you to get it and if you can't get it, they may force you to pay for a policy of their choosing. I suspect that if this happens, you will pa...
by Mingus
Tue Apr 12, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Advice on Buying a House with Illegal Basement?
Replies: 44
Views: 5061

Re: Advice on Buying a House with Illegal Basement?

To me, the confusing part is whether the current basement considered finished or unfinished. My attorney thinks if they put a piece of panel on the wall, its considered finished, meaning a separate C of O for a finished basement is required. The only way your basement would be illegal is if there i...
by Mingus
Tue Apr 12, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: Advice on Buying a House with Illegal Basement?
Replies: 44
Views: 5061

Re: Advice on Buying a House with Illegal Basement?

you will probably have to get one of those services that wraps your basement in plastic, then has men in white suits go in and bag up your floor. It is not cheap, but not a deal breaker either. I had the tile taken out of a kitchen. I think it was $500. Negative. Those tiles can be legally put in t...
by Mingus
Mon Apr 11, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: Advice on Buying a House with Illegal Basement?
Replies: 44
Views: 5061

Re: Advice on Buying a House with Illegal Basement?

you will probably have to get one of those services that wraps your basement in plastic, then has men in white suits go in and bag up your floor. It is not cheap, but not a deal breaker either. I had the tile taken out of a kitchen. I think it was $500. Negative. Those tiles can be legally put in t...
by Mingus
Mon Apr 11, 2016 6:38 pm
Forum: Personal Consumer Issues
Topic: Advice on Buying a House with Illegal Basement?
Replies: 44
Views: 5061

Re: Advice on Buying a House with Illegal Basement?

It means the basement was finished quick and dirty by a previous homeowner to gain some living space. If everything else checks out, this is the last thing I'd be concerned about if your description of "improvements" to the basement are accurate. You are correct, if you insist the seller l...
by Mingus
Sat Apr 09, 2016 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to get my 29 year old sister into saving....("I don't have any money to save")
Replies: 58
Views: 5366

Re: How to get my 29 year old sister into saving....("I don't have any money to save")

I think PaddyMac might be referring to: http://faceretirement.merrilledge.com/ Merrill Lynch's "Face Retirement"...get the play on words there? Wow, just did the aging thing on that site and it's pretty creepy actually. It definitely motivated me to start saving, if for no other reason th...
by Mingus
Sat Apr 09, 2016 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to get my 29 year old sister into saving....("I don't have any money to save")
Replies: 58
Views: 5366

Re: How to get my 29 year old sister into saving....("I don't have any money to save")

I think either someone is a saver or they're not. I can imagine in both scenarios the thought pattern that would cause people to either save more or not save more depending on their personality. I think PaddyMac might be referring to: http://faceretirement.merrilledge.com/ Merrill Lynch's "Fac...
by Mingus
Sat Apr 09, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to get my 29 year old sister into saving....("I don't have any money to save")
Replies: 58
Views: 5366

Re: How to get my 29 year old sister into saving....("I don't have any money to save")

Fieldsy1024 wrote:I'm done nagging her after her saying she can't save 25 a month.


I had a friend like that ages ago. Single mom, smoked close to a pack a day, money for those tacky fake nails and the like.. but not enough money to even set aside 25 a month.
by Mingus
Sat Apr 09, 2016 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How to get my 29 year old sister into saving....("I don't have any money to save")
Replies: 58
Views: 5366

Re: How to get my 29 year old sister into saving....("I don't have any money to save")

Research has also shown that when people are shown pictures of themselves when they are old, they save more for retirement. Are these pictures of future self that is old/decrepit/wearing rags and eating cat food? Or future self that one might see on a Centrum silver commercial? Hiking/biking/yachti...

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