Search found 520 matches

by Mingus
Mon Aug 29, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Buying house near church
Replies: 65
Views: 4326

Re: Buying house near church

There is a small church on my street that fits the description you gave really nice. In fact while reading it I almost thought you were describing it. But I'm not in Chicago. This church is surrounded by single family homes. I've never been inside, but it is very nice looking from the outside and we...
by Mingus
Sun Aug 28, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 30
Views: 1758

Re: 2013 vs 2016 CR-V

We are currently in the Twilight Zone of 3 year old off lease used cars that are priced nearly the same as a new vehicle. Eventually this will correct itself. Why it hasn't already is anybody's guess. I think the banks may somehow be propping up the value of used vehicles to keep lease residuals hig...
by Mingus
Wed Aug 24, 2016 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate agents who operate on an hourly rate
Replies: 70
Views: 4914

Re: Real Estate agents who operate on an hourly rate

2) The commission is fixed. This is not typical in many other sales jobs. It does not take 5x the amount of work to sell a $500k home as a $100k home. There should be a sliding scale. I'll play devils advocate. And trust me, I have no love for the real estate sales force. Could one argue that in a ...
by Mingus
Tue Aug 23, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's worth more?
Replies: 28
Views: 2486

Re: What's worth more?

At my current age I would take the million. If at some potential undetermined future age, I might take the pension. At what point that is, I don't know. It would depend on my energy level, and enthusiasm to continue going into work everyday. As well as the amount of other savings I have. However, if...
by Mingus
Tue Aug 23, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Get rich quick?
Replies: 52
Views: 8880

Re: Re:

If you don't mind doing a little work, there's this: 1. write a book about "Getting Rich Quick!" 2. do seminars on "Getting Rich Quick!" at motels across the country and sell your study-at-home "Getting Rich Quick!" educational software 3. follow up 1 and 2 with a seri...
by Mingus
Fri Aug 19, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7349

Re: The True Cost of Owning a Dog

TxAg wrote:
I stopped using a vet on a consistent basis (for check ups, shots, etc) after three different ones over charged and over diagnosed....all trying to maximize profits.


There is much, much truth to this statement.
by Mingus
Mon Aug 15, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: buying used car smarter than buying new?
Replies: 89
Views: 4574

Re: buying used car smarter than buying new?

I just bought two beautiful used cars last year. 2013 Subaru outback and 2014 Nissan maxima, paid cash. please note they are certified pre-owned by the manufacturer. I would not do it any other way, unless you just want an low priced egg beater to get you around. I went to the car guru website and ...
by Mingus
Mon Aug 15, 2016 12:02 am
Forum: Personal Finance (Not Investing)
Topic: You have $10 Million and 10 years to live. What would you do?
Replies: 55
Views: 4936

Re: You have $10 Million and 10 years to live. What would you do?

What I would do: Save the money in index funds along with my other money in index funds. Keep working as long as I could- the whole 10 years if possible. With a hard stop to my career, I might consider learning to program or get more serious about reading Plato and Aristotle. What I would not do: Q...
by Mingus
Fri Aug 12, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: How To EARLY Identify/Support Gifted Child?
Replies: 24
Views: 1113

Re: How To EARLY Identify/Support Gifted Child?

Unless there are obvious defects, doesn't every parent think their child is above average/gifted/special?
by Mingus
Fri Aug 12, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Debt at Sacrifice of Leisure?
Replies: 77
Views: 4924

Re: Payoff Debt at Sacrifice of Leisure?

An ex gf had a lot of debt. I had a very bad nightmare once. We were married. I gave her 10s of thousands of dollars to pay her debt off. Within weeks, she divorced me, and as part of the divorce settlement I still owed her more money. Upon immediately waking up from this very real nightmare, it too...
by Mingus
Wed Aug 10, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: okay to leave deposit on vehicle?
Replies: 30
Views: 1797

Re: okay to leave deposit on vehicle?

Sure. It's okay. But if someone else comes in and offers a better price to the dealer than you are, there is no guarantee your $500 dollar deposit will hold your vehicle. Is the dealer asking for a deposit? Or are you just trying to ensure the deal of a lifetime is not sold out from underneath of you?
by Mingus
Wed Aug 10, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Property tax increase: Worth appealing? DYI or use attorney?
Replies: 42
Views: 2394

Re: Property tax increase: Worth appealing? DYI or use attorney?

Where I live, an appraisal means nothing. An assessed value is often not a market value. If other properties you are claiming are similar don't have an appraisal, how does that work? The county (or taxing authority) does not have access to the inside of your home like an appraiser does. It isn't th...
by Mingus
Wed Aug 10, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Experience Living in an Old House?
Replies: 42
Views: 3449

Re: Experience Living in an Old House?

So you are saying everyone should only buy brand new? And we should tear down 10s of millions of houses in this country ? What a colossal waste...... Culturally, financially and environmentally.... No. I was not saying that. I was saying most people do not maintain their homes. And new homes are no...
by Mingus
Tue Aug 09, 2016 10:57 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 86
Views: 12759

Re: Better than amazon??

Looks like I am the only one who has stopped buying from Amazon after NYT's article on how disgusting their policies are. That article proved that Amazon is nothing more than a glorified Walmart. Sit tight, it's gonna get better. Walmart is buying Jet. :? http://news.walmart.com/2016/08/08/walmart-...
by Mingus
Tue Aug 09, 2016 11:46 am
Forum: Personal Consumer Issues
Topic: Experience Living in an Old House?
Replies: 42
Views: 3449

Re: Experience Living in an Old House?

My point was not to make a specific definition of what constitutes as old - more to point out that you can make houses of any age work with the right maintenance and updates. In general, I believe greater than 50% of homeowners do not properly maintain their home whether it is new or old. If it is ...
by Mingus
Mon Aug 08, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: Build New or Be Content With What We Have?
Replies: 27
Views: 1774

Re: Build New or Be Content With What We Have?

Just curious, since you say you are in unincorporated area with a large lot, can you subdivide your own property and build there, saving a significant amount of money, without impacting the value of your current home? Just curious Or alternatively, perhaps your zoning code allows for a detached MIL...
by Mingus
Mon Aug 08, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Do you have a handyman?
Replies: 32
Views: 2775

Re: Do you have a handyman?

I enjoy doing a lot of work around the house but am thinking about hiring a handyman because time with my family, job, hobbies, etc is limited. The work would likely include: mowing the lawn, landscaping, clearing brush, power washing, gutter cleaning, deck staining...possibly other things You coul...
by Mingus
Fri Aug 05, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 4333

Re: Where to find common items that last "forever"

Or stop using toilet brushes altogether. Elbow-length, industrial-strength gloves combined with Clorox wipes do a great job cleaning the toilet bowl. That is 10,000% unnecessary. A toilet brush is 100% adequate. 100% adequate for what, culturing bacteria? To each his own. :beer Unless you are brush...
by Mingus
Fri Aug 05, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 4333

Re: Where to find common items that last "forever"

Or stop using toilet brushes altogether. Elbow-length, industrial-strength gloves combined with Clorox wipes do a great job cleaning the toilet bowl. That is 10,000% unnecessary. A toilet brush is 100% adequate. 100% adequate for what, culturing bacteria? To each his own. :beer Unless you are brush...
by Mingus
Fri Aug 05, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 4333

Re: Where to find common items that last "forever"

Rupert wrote: Or stop using toilet brushes altogether. Elbow-length, industrial-strength gloves combined with Clorox wipes do a great job cleaning the toilet bowl.


That is 10,000% unnecessary.

A toilet brush is 100% adequate.
by Mingus
Fri Aug 05, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: Bogus "sale" prices and savvy shoppers
Replies: 26
Views: 2587

Re: Bogus "sale" prices and savvy shoppers

Seems most things clothing wise are mostly on "sale" most of the time. Some sales are better than other sales, however. It might be 30% off this week, and 50% off next week. I first recall noticing this trend around 2009. It must be retail's new business model: Overprice merchandise by 100...
by Mingus
Mon Aug 01, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Sprinkler system not working after plumber visit
Replies: 3
Views: 532

Re: Sprinkler system not working after plumber visit

Recent plumbing code requires sprinkler systems be separate from the house service. A good plumber will shut the supply of water off to the house at the main valve on the street. If there happened to be two valves out there he would have turned them both off to prevent a trip back outside. Seems upo...
by Mingus
Mon Aug 01, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6633

Re: Should I flip my neighbor's house to save the neighborhood?

I am considering purchasing the house and hiring contractors to flip it. I'm for this. Get in contract on the home and begin your due diligence to get a rough cost of what it will take to make the house more in line with the rest of your neighborhood. You will be your neighbor's new hero. Oh, and I...
by Mingus
Sun Jul 31, 2016 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I do ROTC?
Replies: 44
Views: 3272

Re: Should I do ROTC?

"I heard from a friend who joined ROTC his freshman year that as an engineer you mainly do design work, but that once you are promoted beyond lieutenant you manage teams of people rather than doing the nitty gritty design work. Is he right? " The design work you see as an LT is not going t...
by Mingus
Sat Jul 30, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Premium increase for federal employee long term care insurance
Replies: 59
Views: 4335

Re: Premium increase for federal employee long term care insurance

The monthly benefit check covers most of her Assisted Living fee .... she uses Social Security and pension to cover the remainder. I'm assuming if the monthly benefit happened to be one penny less or 1000 dollars less, SS and pension would still cover the remainder. Don't you pretty much sign over ...
by Mingus
Sat Jul 30, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Old School alarm/table clock
Replies: 15
Views: 960

Re: Old School alarm/table clock

They do not make them like they used to. I've gone through a few alarm clocks over the last not too many recent years. Usually the buttons stop working. So it is either impossible to adjust the time as the clock is too fast or slow, or impossible to adjust the wake up time. Or both. But they are so ...
by Mingus
Fri Jul 29, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Actual SWR when considering mortgage principal payments
Replies: 16
Views: 1053

Re: Actual SWR when considering mortgage principal payments

No.

Money spent is money spent no matter how it is spun.
by Mingus
Fri Jul 29, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 164
Views: 15619

Re: Evicting a tenant-Hire lawyer?

I didn't inform them of the situation, however, they're aware she no longer lives there. I'm afraid there may be some backlash if I give them my side of the story. They're close friends with the tenant who got evicted and wouldn't be surprised if she's telling them I evicted her on false grounds/un...
by Mingus
Thu Jul 28, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: DIY Undermount Sink Replacement
Replies: 18
Views: 868

Re: DIY Undermount Sink Replacement

Might be worth reading this... http://terrylove.com/forums/index.php?threads/use-of-100-silicone-sealant.9415/ I read it. Everyone on that thread agrees with me. Paintable and sticking to itself is more for general background knowledge. When the caulk fails, it does not require being cleaned 100% o...
by Mingus
Thu Jul 28, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: DIY Undermount Sink Replacement
Replies: 18
Views: 868

Re: DIY Undermount Sink Replacement

I would think a car spare tire jack with appropriate old kitchen pot could be used to hold up the sink while installing it. Too much time involved in cranking the jack, again most in the profession would just use a section of 2x4 wedged between the bottom of the vanity and the sink... Hmmm... lives...
by Mingus
Thu Jul 28, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: DIY Undermount Sink Replacement
Replies: 18
Views: 868

Re: DIY Undermount Sink Replacement

Some additional tips... When re-plumbing the drain fitting make sure to either use non-staining plumber's putty, or 100% silicone caulk/sealant (which I prefer). You can use the same 100% silicone sealant you used between the sink and counter on the drain fitting. I would not use silicon on the dra...
by Mingus
Wed Jul 27, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Are all replacement Macbook Pro power supplies junk?
Replies: 10
Views: 800

Re: Are all replacement Macbook Pro power supplies junk?

I would only buy genuine Apple parts. You paid alot for your Macbook Pro, so why would you chance it with 3rd-party parts? Of course. I wasn't considering anything aftermarket. But there are lots of channels to buy a genuine apple replacement...and even they are rated pretty poorly. Ebay for ages, ...
by Mingus
Thu Jul 21, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: If everyone saved enough for retirement, wouldn't there just be inflation?
Replies: 32
Views: 3274

Re: If everyone saved enough for retirement, wouldn't there just be inflation?

We need a productive economy prosperous enough to pay for all of this. It is a problem that can't just be saved away. Exactly. Saving lots of money works best for a few, if most don't save much at all. There has to be a large labor force doing the heavy lifting for the relative few who are just spe...
by Mingus
Thu Jul 21, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: Expensive car maintenance or allocate to next car fund?
Replies: 37
Views: 2273

Re: Expensive car maintenance or allocate to next car fund?

Depends on your total financial picture.

I'd get a new car.
by Mingus
Thu Jul 21, 2016 4:31 pm
Forum: Investing - Theory, News & General
Topic: If everyone saved enough for retirement, wouldn't there just be inflation?
Replies: 32
Views: 3274

Re: If everyone saved enough for retirement, wouldn't there just be inflation?

This thread will be locked since it is not actionable. Brings up interesting questions though. Let's take it one step further, what if everyone invests enough so their kids never need to work? Can a whole country retire if their investments are all overseas? The only way that would work is by impor...
by Mingus
Thu Jul 21, 2016 4:02 pm
Forum: Investing - Theory, News & General
Topic: If everyone saved enough for retirement, wouldn't there just be inflation?
Replies: 32
Views: 3274

Re: If everyone saved enough for retirement, wouldn't there just be inflation?

>> In Japan, they are looking at solving this problem with robots. KlangFool Hopefully soon. I want a robot to keep the house clean, do laundry, and mow the lawn. If we are lucky, they will even be able to tend to a garden. With all this additional free time, we'll really be able to put in extra ti...
by Mingus
Thu Jul 21, 2016 3:56 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 57
Views: 4490

Re: World VCR production is ending next month. What to do with my old VHS tapes?

rec7 wrote:I am still using my VCR a couple times per week. Anybody else?


No.
by Mingus
Wed Jul 20, 2016 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Picking Job Title at Startup
Replies: 36
Views: 2460

Re: Help With Picking Job Title at Startup

I've heard of title inflation before, but this is the first time I've heard of someone wanting to claim a less impressive title. :wink: FWIW, I definitely wouldn't go for "sales representative" as that IS an entry level title. A previous company I worked for had a policy that job titles w...
by Mingus
Tue Jul 19, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 164
Views: 15619

Re: Evicting a tenant-Hire lawyer?

Clearly insane.

This has all the makings of a made for television Lifetime movie.

Yes, have the sheriff present when she comes to get her stuff. And don't ever have your back to her. Or be within knife stabbing distance.. This is scary. Good luck.
by Mingus
Tue Jul 19, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 7646

Re: Why did the car salesman stop replying to my emails

mhalley wrote:Maybe they decided you weren't serious about the lease?


This is what I was thinking. A good sales person can tell. And maybe you were serious and it wasn't a good salesperson.
by Mingus
Fri Jul 15, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Car Buying Dilemma
Replies: 53
Views: 4459

Re: Car Buying Dilemma

That's a third gen Camry (1992-1996), arguably the finest car Toyota has ever produced aside from the original 1989 Lexus LS400. They're comfortable, well-assembled from very high-quality Lexus-grade materials, and will run FOREVER. . Yes. Often times a 24 year old car has had four or more owners. ...
by Mingus
Fri Jul 15, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Relationship between interest rates and real estate prices?
Replies: 9
Views: 430

Re: Relationship between interest rates and real estate prices?

Jags4186 wrote:or will prices move down as affordability goes down.


Prices should move down when interest rates rise. No one seems to know when that will happen. It could be many years.
by Mingus
Fri Jul 15, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: How badly did I get ripped off? [Auto lease]
Replies: 21
Views: 3116

Re: How badly did I get ripped off?

I don't think the Envoy has a timing belt. Pretty sure its a chain. Timing chains are pretty durable and generally last longer than the vehicle. Could it have been the serpentine belt that broke? Regardless, if I understand correctly and you left the dealership with out writing a check and only have...
by Mingus
Wed Jul 13, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 29086

Re: 23 year old... Can I afford a Rolex?

I am assuming, given your young age, that one of the goals with this purchase is to attract the attention of young females. That is very understandable, but I would suggest there is a much better means of accomplishing this with the $5000. First focus on your fitness. One third of young men your ag...
by Mingus
Wed Jul 13, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 164
Views: 15619

Re: Evicting a tenant-Hire lawyer?

Very fascinating. What is this lady's age? She sounds like she has the mentality of an immature 16 year old. But I'm guessing between the ages of 27 and 32. There is some sort of mental illness here. Pray that she does not become vindictive. Because she does not wake up in the morning thinking, &quo...
by Mingus
Wed Jul 13, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 164
Views: 15619

Re: Evicting a tenant-Hire lawyer?

What's frightening is that she tried to play dumb the entire time and act as if she was unaware of the eviction. This is from a tenant who was served twice by the sheriff and once by myself. In her mind, it appears as if she truly believed she could live rent free forever. 2 possibilities. She is a...
by Mingus
Thu Jul 07, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: One day in Seattle. Where to stay?
Replies: 19
Views: 1574

Re: One day in Seattle. Where to stay?

In Seattle, in the summer, if it's cheap...its...ummm. There's a hotel shortage. My company is having to put candidates that we bring in for interviews out at the airport because every close in place is perpetually full. But yeah, Fremont, Ballard. If you're talking about this coming week, go to th...
by Mingus
Thu Jul 07, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Encouragement - Debt pay down
Replies: 17
Views: 1550

Re: Encouragement - Debt pay down

Fallible wrote:
Not sure what you mean by "out of steam," and it would help us to advise if you could provide more detail on the debt.



I believe in this case it means feeling emotionally exhausted from extreme austerity measures.
by Mingus
Thu Jul 07, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Dealers list used cars way above KBB value, why?
Replies: 25
Views: 2516

Re: Dealers list used cars way above KBB value, why?

KBB isn't what dealers use to price their used cars with. And they also do not use KBB to value trade ins either. The value of used cars are based off of auction values that is tabulated by a dealer only subscription service that is not available to the public. And then there is overhead and profit ...
by Mingus
Thu Jul 07, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Please help! Buyer's remorse, need advice
Replies: 104
Views: 10860

Re: Please help! Buyer's remorse, need advice

sunny_socal wrote: You are an emotional decision maker.



Everyone is an emotional decision maker. Some more so than others. Even a decision to have bare bone phone service @ $5/month is an emotional decision.

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