Search found 1910 matches

by Pajamas
Fri Aug 18, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 29
Views: 3425

Re: Little P**S Ants

jabberwockOG wrote:
Thu Aug 17, 2017 10:30 pm
Apply a pesticide drench on the outside perimeter of the house that is rated for ants.
The ants are completely harmless. They're not fleas infested with bubonic plague or poisonous spiders. Some people even keep them as pets.
by Pajamas
Thu Aug 17, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 134
Views: 7282

Re: Lost $7000 today in ONE DAY!

Today was not a really bad day. If it really upset you, how will $70k loss in one day make you feel?
by Pajamas
Thu Aug 17, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Organ (Music) Question
Replies: 5
Views: 392

Re: Organ (Music) Question

Looking on eBay, it appears that the Casio may be worth something, although the eBay fees and shipping costs can eat up any profit. The Lowrey equipment seems to be mostly large organs. Make sure you spell "Lowrey" correctly when searching. If you are logged into your eBay account, you can look for ...
by Pajamas
Thu Aug 17, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need a high risk option for $250
Replies: 15
Views: 1570

Re: Need a high risk option for $250

With just a couple of hundred dollars, transaction costs would eat up any gains. You're almost sure to lose. You'd probably be better off at a casino or race track or even buying lottery tickets.
by Pajamas
Thu Aug 17, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 29
Views: 3425

Re: Little P**S Ants

There's no reason to cause them harm. They don't hurt anything, they don't carry diseases that can affect humans, and they clean up crumbs that might attract roaches. They are also interesting to watch. Keep your house free of food sources and they won't be so noticeable.
by Pajamas
Thu Aug 17, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage accounts
Replies: 3
Views: 294

Re: brokerage accounts

You probably don't have to provide that information if you send in a check to fund the account. Most people probably use the online application and electronically transfer funds. I am just now setting up the ability to make electronic transfers from my primary brokerage account to my checking accoun...
by Pajamas
Thu Aug 17, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2371

Re: popcorn ceiling, removal or drywall over it?

I have no intention of doing this myself, no skills! Then talk to a reliable handyman or contractor with experience in this and ask them what they recommend doing, considering the possibility of lead paint or asbestos. If you end up having it scraped, don't just cover the furniture with plastic, mo...
by Pajamas
Thu Aug 17, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2371

Re: popcorn ceiling, removal or drywall over it?

If it contains asbestos or lead paint has been used on it, don't disturb it, just cover it with gyp board. Otherwise, scrape it off and skim coat.
by Pajamas
Wed Aug 16, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Best Garment Bag for flights
Replies: 5
Views: 441

Re: Best Garment Bag for flights

Just learn to fold the suit and pack it in a hard-sided rolling carryon. There are plenty of videos on YouTube about how to fold and pack a suit. Most good mens stores carry suits intended for travel that are wrinkle-resistant but don't look any different than a pure wool suit. If your trips are lit...
by Pajamas
Wed Aug 16, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4380

Re: Best Housing To Avoid Noise

heybro wrote:
Tue Aug 15, 2017 5:06 pm

Senior Citizens: Don't they get up at the crack of dawn and blast their TVs?
Why yes, yes, they do, especially if they are hard of hearing, and they also stay up late and then fall asleep with talk radio on LOUD. :twisted:
by Pajamas
Wed Aug 16, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Buy + hold to avoid being priced out in the Bay Area?
Replies: 20
Views: 1704

Re: Buy + hold to avoid being priced out in the Bay Area?

If you are going to speculate on housing AND become a long-distance landlord, neither of which I would recommend, at least buy when prices are low and then sell when they are high, rather than vice versa.
by Pajamas
Mon Aug 14, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 31
Views: 2000

Re: ipad or tablet for hospital?

The iPad IS a tablet and it is generally considered to be the best quality tablet. The newest iPad is comparatively inexpensive vs. older models at $329 and is recommended by a website whose reviews I generally trust: https://www.theverge.com/2017/8/11/16122668/best-tablet-ipad-samsung-galaxy-tab-an...
by Pajamas
Thu Aug 10, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 5978

Re: What Percentage CASH are you?

About negative 2% of investment portfolio. (Some margin debt, some cash, in different accounts.)
by Pajamas
Thu Aug 10, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 65
Views: 6811

Re: 20% In REITS?

munemaker wrote:
Most don't consider their primary residence as part of their investment portfolio.
+1

Have to live somewhere.
by Pajamas
Thu Aug 10, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 50
Views: 6353

Re: I pay $6K in rent. Am I an idiot for not buying?

stemikger wrote: I remember the realtor who sold it to me said it is a wonderful starter home and I never liked that idea.
Real estate agents love the idea of starter homes and moving up the property ladder because they get a cut when people sell. When you stay put they don't profit.
by Pajamas
Thu Aug 10, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5707

Re: Delta priority boarding - first timer

Yes that's the idea, but even before charging for checked bags they weren't doing it well. The way you board the plane most efficiently is line everyone up in a set order. First all of the window seats on one side, back to front. Then the other window back to front. Then middle seat back to front, ...
by Pajamas
Thu Aug 10, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Advice on picking a dentist
Replies: 19
Views: 1593

Re: Advice on picking a dentist

If you just want a cleaning and not a dentist, consider either using one of those introductory-price coupons that dentists use to get new patients or see if there is a school for dental hygienists near you. You could also go to a dental school, but you would probably have to have two appointments, o...
by Pajamas
Wed Aug 09, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 50
Views: 6353

Re: I pay $6K in rent. Am I an idiot for not buying?

I live in a high cost of living area (Los Angeles). An equivalent condo would be about $1.5MM, or maybe even more. I've run the NYTimes rent vs. buy calculator several times and with HOA fees and buying is usually slightly better ("if you can rent a similar home for $5900 you should rent..."). This...
by Pajamas
Wed Aug 09, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: LastPass not working for me on Firefox
Replies: 25
Views: 1294

Re: LastPass not working for me on Firefox

bertilak wrote: That's pretty much what I already did -- a couple of times. That 2nd link is the same place mentioned by mhalley and I responded to above.
Sorry, I missed that.

I stopped updating software routinely until the update has been around for a couple of months. Saves a lot of headaches.
by Pajamas
Wed Aug 09, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: LastPass not working for me on Firefox
Replies: 25
Views: 1294

Re: LastPass not working for me on Firefox

Did you install LastPass from here?

https://addons.mozilla.org/en-US/firefo ... d-manager/

If not, re-install from that page.

Then follow these instructions:

https://lastpass.com/support.php?cmd=showfaq&id=385
by Pajamas
Wed Aug 09, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Remodel or move?
Replies: 8
Views: 693

Re: Remodel or move?

Have you considered letting some of your kids share a bedroom or even converting one or two bedrooms (m/f) into a bunkhouse and using another for a play and study room? You could probably take out a linen closet or do something else to add a sink. It's only very recently that it has been seen as nec...
by Pajamas
Wed Aug 09, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell my rental property?
Replies: 15
Views: 1928

Re: Should I sell my rental property?

Have you lived in the rental property during the last five years? If so, for how long and when?
by Pajamas
Tue Aug 08, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Google Pixel on sale today
Replies: 2
Views: 472

Re: Google Pixel on sale today

It's $200 off the larger version or $125 off the smaller one. Both come with a free Google Daydream virtual reality headset, too.

https://store.google.com/category/phones

The Pixel 2 is imminent, so I'm not surprised that the Pixel is being reduced.
by Pajamas
Tue Aug 08, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Leather couch, dog scratches -- help?
Replies: 20
Views: 1666

Re: Leather couch, dog scratches -- help?

Just accept the fact that you love your dog more than your couch and that it is a hopeless situation. At least you are not considering declawing your dog as people often do to cats. Today, I have 35 year old friends that do things on furniture that my 6 year old would never dream of doing (at least ...
by Pajamas
Tue Aug 08, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2018

Re: Advise on house selling

Does a partially furnished house (we'll be downsizing so not all our furniture will come to the new condo) seem less attractive to buyer. We've began decluttering and will continue to do so but what about selling the house totally empty? We've also considered selling the house partially furnished a...
by Pajamas
Tue Aug 08, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4110

Re: Deja Vu.. are there too many houses for sale?

Definitely went underwater. Purchased townhome in Jan 2006 for $228K, sold July 2017 for $180K. I had been throwing extra money at the principal each month, and I walked away with about $30K in my pocket. I am very sorry to hear that but I guess you are glad to finally have that settled and done wi...
by Pajamas
Tue Aug 08, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4110

Re: Deja Vu.. are there too many houses for sale?

People clamor to sell when prices are low and buy when prices are high. When I bought my first property in 2006, I was on the fence about pulling the trigger. My parents nudged me by saying that the price is only going up, and how housing prices never drop, etc. etc. Just curious, did you go underw...
by Pajamas
Tue Aug 08, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8820

Re: Is Amazon Prime worth it?

Various estimates are that just under half to well over half of American households think Amazon Prime is worth it. https://www.google.com/search?q=percentage+households+amazon+prime The percentage is much higher for high-income households vs. low-income households. Amazon is addressing that by offe...
by Pajamas
Tue Aug 08, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4110

Re: Deja Vu.. are there too many houses for sale?

All real estate is local. 10,000 x this. Friends live in a reasonably nice neighborhood in a medium-sized city that got hit hard during the financial crisis. They bought just before housing prices dived and are just now coming out even. Only a couple of houses are for sale in their neighborhood. Wh...
by Pajamas
Tue Aug 08, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: Recovery of the U.S. Housing Market?
Replies: 15
Views: 1956

Re: Recovery of the U.S. Housing Market?

The creator of Minecraft bought $70m house in Beverly Hills couple of years ago. I assume it's probably worth $100m today. A lot of those super-expensive houses and apartments have not been fetching nearly what they were supposedly worth when it comes down to reality, i.e., an actual sale. https://...
by Pajamas
Tue Aug 08, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 5872

Re: What is an appropriate lower risk asset allocation once one has "won the game"

I would not count the second home as a retirement asset unless you are planning to sell it in the near or intermediate future OR if it were a source of rental income. Otherwise, it is only a source of expense. It might appreciate, but it also might depreciate. The easiest and most obvious way to dec...
by Pajamas
Mon Aug 07, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 7721

Re: kids think lazy if retire?

Tell them that when they are paying their own way in life they can criticize yours. :beer
by Pajamas
Mon Aug 07, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, Public school(Move) or Private school(Stay-put) ?
Replies: 16
Views: 1491

Re: Please help, Public school(Move) or Private school(Stay-put) ?

Most people move to Edison If you already have friends in Edison, that might be worth looking at. It is important for your wife to feel comfortable. I know someone who moved to a new subdivision in Oldbridge, NJ years ago and the whole subdivision is mostly Indian, so that has worked out well for t...
by Pajamas
Mon Aug 07, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with a current tenant?
Replies: 14
Views: 1283

Re: Buying a house with a current tenant?

What's rental insurance? I'd have regular homeowner's insurance on it, would I need something beyond that? Just as a landlord can't get a regular mortgage on a rental property, a landlord can't get regular homeowners insurance on a rental property. You would have to buy "landlord insurance" to cove...
by Pajamas
Mon Aug 07, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Physician & Real Estate investor seeks advice
Replies: 49
Views: 4198

Re: Physician & Real Estate investor seeks advice

I am starting to see the light of Mr. Jack Bogle and index investing. One thing that I cannot really wrap my head around is, if you decided to save a portion of your paycheck and invest it into index funds, you've essentially "given up" to create any real wealth in the most formative and energetic ...
by Pajamas
Mon Aug 07, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Making a Direct Offer to Purchase a Home
Replies: 28
Views: 2341

Re: Making a Direct Offer to Purchase a Home

- The offer that I am leaning toward is around 73% of the price that they mentioned and would leave some flexibility to go higher if needed (maybe 5-7%) but I don't think we would intend to go a lot higher. Assuming no realtor fees, the intended offer would be ~78% of what they would take away from...
by Pajamas
Mon Aug 07, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 6006

Re: Time to leave our dentist??

Also when the sharp tool sticks. Current best practice is not to probe for cavities because it damages the enamel and can even create a cavity where one does not currently exist. You should question your dentist if he or she relies on that to any large degree. None of the faculty or students where ...
by Pajamas
Mon Aug 07, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 6006

Re: Time to leave our dentist??

If the cash rates were generally lower than the contracted rates, no one would bother to contract. It would be even more rare that your portion of a contracted rate for health care would be lower than the full cash rate. The only exception that I have run across is that the occasional cash cost of a...
by Pajamas
Mon Aug 07, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Please help, Public school(Move) or Private school(Stay-put) ?
Replies: 16
Views: 1491

Re: Please help, Public school(Move) or Private school(Stay-put) ?

Hi, Please help me make a choice. Thanks to Blessings&Guidance of Parents,Bogleheads, I can afford any of the below option. I work in NYC, Wife is SAHM., 1 Kid 2 years old. option 1: Move to a better neighborhood(Brooklyn) with good commute(40 minutes one way) and diversity, where schools are good(...
by Pajamas
Sun Aug 06, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Heavy Duty Boxes for Long Term Permanent Storage
Replies: 20
Views: 1605

Re: Heavy Duty Boxes for Long Term Permanent Storage

The large Rubbermaid storage tubs last. I have some bought at Walmart about 16 years ago and they are still in great condition and can easily stack four high, probably higher. The design seems to have changed slightly but likely for the better: http://www.rubbermaid.com/en-US/shop-products/storage-b...
by Pajamas
Sun Aug 06, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Townhome or condo?
Replies: 29
Views: 2212

Re: Townhome or condo?

My understanding is that the HOA should not increase a lot. My reasoning : 1. No Swimming pool/ Gym in the community. 2. No elevators 3. No huge park. There is a municipal park planned close to the neighborhood . 4. All they will maintain is the common areas What will the reason for the increase in...
by Pajamas
Sat Aug 05, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: knee replacement and air travel screening
Replies: 11
Views: 1174

Re: knee replacement and air travel screening

What's your prosthesis made of? If it is a titanium alloy, then it will probably not be detected. It's a security problem if you think about it, as there is no reason why weapons couldn't be made of titanium alloy.
by Pajamas
Sat Aug 05, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Townhome or condo?
Replies: 29
Views: 2212

Re: Townhome or condo?

The townhouse is apparently much less expensive on a square foot basis and is also significantly larger. It's hard to compare them without seeing them or at least knowing more about them, but given the information you provided, the townhouse certainly looks like a better deal. Buying pre-constructio...
by Pajamas
Sat Aug 05, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 9946

Re: Opticians: is there any difference in quality of Costco glasses?

Just an update, this week I went to Cosco and ordered my glasses. I did ask them about needing a membership. They said you do have to have one to purchase glasses but it's not needed to have your eye test done there. Maybe it varies by state? Samtex I was wrong about that and someone pointed it out...
by Pajamas
Sat Aug 05, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 80
Views: 7073

Re: Drinking water price craziness

Neither method is perfect as distillation is based on boiling point and reverse osmosis is based on molecule size. Usually distillation is combined with filtration and there may be other steps in the process such as removal of gasses. If you are mostly worried about the taste of the water, it doesn'...
by Pajamas
Sat Aug 05, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Commuter Tax benefits for non-work public transit trips?
Replies: 10
Views: 714

Re: Commuter Tax benefits for non-work public transit trips?

I also used the benefit to buy pay-per-ride MetroCards even when I normally walked to work. It was necessary to buy the cards while the funds were actively being deducted from my paycheck, not just during the same year. I don't recall any wording in the description of the benefit that required it to...
by Pajamas
Sat Aug 05, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Organizing small electronics (portable mp3 players)
Replies: 11
Views: 789

Re: Organizing small electronics (portable mp3 players)

I use pill bottles to store and organize earbud headphones.
by Pajamas
Fri Aug 04, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 7795

Re: Are we house poor?

It seems to me that considering the dollar amount of your household income and the rough cost of living where you live (based on the information you provided) that you are fine with a house worth twice your gross household income. You might consider downsizing if your house seems too big or if you w...
by Pajamas
Fri Aug 04, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Fence Boundary Issue
Replies: 24
Views: 1656

Re: Fence Boundary Issue

Move the fence as soon as possible and apologize to the builder for the inconvenience you caused.
by Pajamas
Fri Aug 04, 2017 2:18 am
Forum: Investing - Theory, News & General
Topic: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’
Replies: 24
Views: 2654

Re: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’

Well, mutual funds could logically lead to the utter destruction of capitalism. If everyone owned equal amounts of a universal index fund, that would effectively accommodate true communism. :beer