Search found 404 matches

by Mingus
Mon May 02, 2016 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Sunscreen
Replies: 33
Views: 1639

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 Finance (Not Investing)
Topic: Sunscreen
Replies: 33
Views: 1639

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: 813

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: 4072

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: 18
Views: 1432

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: 51
Views: 2791

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: 51
Views: 2791

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: 10582

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: 10582

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: 1483

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: 2995

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: 8465

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: 1832

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: 2161

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: 6734

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: 4886

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: 4886

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: 4886

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: 4886

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: 4886

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: 4886

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: 4886

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: 4886

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: 4886

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: 4951

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: 4951

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: 4951

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: 4951

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...
by Mingus
Thu Apr 07, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Pungent smell from kitchen faucet
Replies: 11
Views: 917

Re: Pungent smell from kitchen faucet

Could be something in the faucet. When I first moved into my place, the taste and smell of the water from the kitchen faucet was pretty awful. In fact, it was so bad it almost killed my house plants. Seriously. After remodeling the kitchen and installing a new faucet, the water is just about as good...
by Mingus
Thu Apr 07, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6236

Re: led vs cfl

BW1985 wrote:What color temp do you all prefer? Went with 3000K in our kitchen.


Depends on where you're at in relation to the equator. Seems the closer to the equator one is, a higher temp bulb produces a more desirable light. Or so I've been led to believe.

For a more northern climate, 3000K is good.
by Mingus
Thu Apr 07, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6236

Re: led vs cfl

I am wondering why some replace the CFLs with LEDs before they burn out. It doesn't seem economical to me. Why not just CFLs replace with LEDs after they burn out? Because if the LEDs can be picked up at a subsidized cost they are only two or three dollars. They read threads on BH that states LEDs ...
by Mingus
Wed Apr 06, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6236

Re: led vs cfl

There's no reason that couldn't work. Of course if the IR reflection was good enough you couldn't use it to warm your hands. Such bulbs do exist. They are called HIR bulbs. You can get them for some types of car headlights. Interesting. Seems there are some architectural ones as well. According to ...
by Mingus
Wed Apr 06, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6236

Re: led vs cfl

I could be wrong, however I think much of the energy savings from different lighting types comes from the fact that huge swaths of frequency are not being produced. Yes, they lack the infra red, which you can't see anyway. Wait, what? Nothing has ever been said about portions of the electromagnetic...
by Mingus
Mon Apr 04, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6236

Re: led vs cfl

I could be wrong, however I think much of the energy savings from different lighting types comes from the fact that huge swaths of frequency are not being produced. Yes, they lack the infra red, which you can't see anyway. Wait, what? Nothing has ever been said about portions of the electromagnetic...
by Mingus
Mon Apr 04, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6236

Re: led vs cfl

[OT post removed --admin LadyGeek] [Response to OT post removed -- admin LadyGeek] Incandescent has a CRI of 100 (the benchmark). CFLs are lucky to beat 65 CRI . LEDs are now avalable at 90 CRI or better. The color rendition of LED is measurably far better than CFL and very very close to incan now....
by Mingus
Sun Apr 03, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: Cars with low profile tires
Replies: 23
Views: 1582

Re: Cars with low profile tires

You could talk to the dealer about going back to 40-18 or 45-17 instead of 35-19. Dang! 35 series!?!?! 40 or 45 will be an improvement over 35 series.. but on the continuum of a bumpy ride to a smooth ride, it's still going to be a pretty unsettling ride. The car I got rid of had 40 series. Fine on...
by Mingus
Sun Apr 03, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Cars with low profile tires
Replies: 23
Views: 1582

Re: Cars with low profile tires

The person above me hates the look of low profile, I think low profile looks great. However, for most roads in America, anything lower profile than 55, or 50 series is too low. It's all about vanity. For a variety of reasons, cars have gotten taller over the past 12-15 years and wheel wells have got...
by Mingus
Sat Apr 02, 2016 11:28 pm
Forum: Personal Consumer Issues
Topic: Custom House Cost
Replies: 22
Views: 2539

Re: Custom House Cost

How tall is the sky? In other words, as much as you want to spend. For example, you could go with cheapo 200 dollar vinyl windows, or pay a craftsman to build you 2000 dollar wood windows. Use vinyl siding, or the fancy Japanese cement board siding that looks like real wood.
by Mingus
Fri Apr 01, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: Solar City Sales-pitch
Replies: 34
Views: 3282

Re: Solar City Sales-pitch

If these solar firms were bright, and maybe they are, they ought to be working with the nation's largest home building firms to get solar panels onto the roofs of millions of brand new homes being built, and ensuring the houses are orientated correctly to take full advantage of the sun. It seems tha...
by Mingus
Thu Mar 31, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Remodel or buy a different house?
Replies: 13
Views: 1411

Re: Remodel or buy a different house?

My personal opinion (and it is only my personal opinion) is that location is more important than house. You can do a lot with $100k, except, of course, turn it into a completely different house, which is what you seem to want. The other thing I'm reading here is that you don't want a bigger yard, b...
by Mingus
Tue Mar 29, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 8029

Re: Investing Young + LBYM = No Corp Ladder

One more story: I worked with an attorney years ago who owned a paid off $3M house he'd inherited but whose income had sunk over several years from $250K to $125K. His 3 kids were in all the expensive activities, his wife stayed home and played tennis at the country club. Meanwhile his credit card ...
by Mingus
Tue Mar 29, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Living in Pittsburgh
Replies: 70
Views: 5073

Re: Living in Pittsburgh

Average summer temps are mid-upper 70s, although the humidity does tend to be on the high side. Winters average low-mid 30's. We rarely see single digits. I've lived in places that are much colder and get much more snow. TO me, an average of 50 degrees isn't a mild winter - it's a nonexistent one. ...
by Mingus
Mon Mar 28, 2016 4:50 pm
Forum: Investing - Theory, News & General
Topic: It's all about saving, not investing really.
Replies: 84
Views: 7727

Re: It's all about saving, not investing really.

If you save 2% more every year you will have 2% more in your account after 30 years. This is grossly incorrect. No it's not. It is PRECISELY correct... I think he is saying once an investment balance gets large enough, saving an additional 2% of your salary will not overcome the drag of an investme...
by Mingus
Mon Mar 28, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Living in Pittsburgh
Replies: 70
Views: 5073

Re: Living in Pittsburgh

Pittsburgh...mild summers, fairly mild winters. perfect in my opinion Are you sure you are talking about Pittsburgh, PA?? It snowed like 3 times here this winter - never more than a few inches- and we spend most of the summer in the upper 70's now, Pittsburgh is one of the few places improving with...
by Mingus
Mon Mar 28, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: Living in Pittsburgh
Replies: 70
Views: 5073

Re: Living in Pittsburgh

xram wrote:
Pittsburgh...mild summers, fairly mild winters. perfect in my opinion



Are you sure you are talking about Pittsburgh, PA??
by Mingus
Mon Mar 28, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Low flow shower head?
Replies: 32
Views: 2329

Re: Low flow shower head?

I used to think a shower head was a shower head. When doing my downstairs bathroom remodel, begrudgingly I went ahead and got the matching Kohler shower head that matched the rest of the fixtures just knowing I was wasting money. It's low flow. I now use it in the master bath because it is so much b...
by Mingus
Thu Mar 24, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Has your definition of "a lot" of money changed?
Replies: 57
Views: 5056

Re: Has your definition of "a lot" of money changed?

Yep. When I was in HS, having a full tank of gas in the car and still $20 some dollars in my wallet was "a lot" of money...
by Mingus
Wed Mar 23, 2016 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance...Do I need to worry about retirement?
Replies: 69
Views: 8707

Re: Large Inheritance...Do I need to worry about retirement?

As long as you don't blow it, I don't think you have much to worry about.

Oh yea, don't tell anyone about this money either especially potential girlfriends. And get a pre-nup.
by Mingus
Mon Mar 21, 2016 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Opening A Roth For My 5 Year Old?
Replies: 42
Views: 5123

Re: Opening A Roth For My 5 Year Old?

Put the kid in your ads. Check what the going rate is for child actors in your area, including residuals. This is a much better strategy than paying to do chores. Apparently it pays really well too, up to $6800. Doesn't even matter that the five year old has no experience and no one has heard of hi...
by Mingus
Sat Mar 19, 2016 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 9944

Re: Early Retirees - What triggered you to retire?

fsrph wrote:
I really don't know what's holding me there.

Francis


Inertia. And comfort in the famaliar.

Go to advanced search