Search found 2502 matches

by Pajamas
Thu Oct 19, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: receiving 'used' items from Ebay purchase....frustrating
Replies: 8
Views: 1065

Re: receiving 'used' items from Ebay purchase....frustrating

You also have to be careful with books on Amazon. The last three times I bought "new" or "like-new" books from third-party sellers, they were not even close to that condition. Amazon provides detailed, clear descriptions of each condition category. A book that has underlining or other notations can ...
by Pajamas
Wed Oct 18, 2017 8:38 pm
Forum: Investing - Theory, News & General
Topic: Office wants to pay dentist as contractor (sub-s). Any issues?
Replies: 20
Views: 1166

Re: Office wants to pay dentist as contractor (sub-s). Any issues?

If they are "hiring" her (your word) but offering her a choice of being an employee or a contractor, with the only difference being in what the relationship is called and who pays the taxes, then something is wrong. You said all the other dentists are contractors, but that doesn't mean that they are...
by Pajamas
Wed Oct 18, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Gifted Realestate Question
Replies: 8
Views: 473

Re: Gifted Realestate Question

Would you qualify for a $175k mortgage on the property given that you already owe $200k on a promissory note?

Seems like a lot of leverage but since you seem to want to be a full-time landlord, that's to your advantage.
by Pajamas
Wed Oct 18, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Deals on Halloween Candy
Replies: 13
Views: 1482

Re: Deals on Halloween Candy

The day after halloween when it's half price! The stuff stays half way edible a year later. ;) Here's a tip: Buy the big bags of red & green M&Ms after Christmas when they are half price. Then pour them in a baking pan or similar and separate the red & green ones with a spoon. Use the red ones for ...
by Pajamas
Wed Oct 18, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 3133

Re: Is a doctor's practice one of the safest and most profitable businesses?

I wish I responded sooner so more people would read this but a lot of misinformation here: I am a doctor and I see a lot of comment I disagree with including those from doctors 1. Doctors income- the idea that they make 'enough' or ' a lot' is an absurd statement. Taken alone everyone in America ma...
by Pajamas
Wed Oct 18, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Deals on Halloween Candy
Replies: 13
Views: 1482

Re: Deals on Halloween Candy

5+ pounds of 175 individually-wrapped York Peppermint Patties for $15: https://www.amazon.com/dp/B00374XTQI Delivered free with Prime or a $35 order. Costco has a similar price in-store or the same price online with a $3 delivery charge or free delivery with a $75 grocery order: https://www.costco.c...
by Pajamas
Tue Oct 17, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1123

Re: Is it worth applying for Credit Limit Increase?

Really no need for credit increase. I just heard that having higher credit limit helps with credit score. Why do you need a credit score higher than 776? Is there some benefit to it? There could be. 776 is quite close to 740, which is the cutoff for the best mortgage rates. So if you churn or just ...
by Pajamas
Tue Oct 17, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1123

Re: Is it worth applying for Credit Limit Increase?

ascension wrote:
Tue Oct 17, 2017 7:01 pm
Really no need for credit increase. I just heard that having higher credit limit helps with credit score.
Why do you need a credit score higher than 776? Is there some benefit to it?
by Pajamas
Tue Oct 17, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 77
Views: 5109

Re: how long did it take to get used to retirement

It took me almost two weeks to stop waking up early in the morning at the time when my alarm clock used to go off. After that, no problems adjusting.
by Pajamas
Tue Oct 17, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 51
Views: 3614

Re: Amazon Prime - Decline in Delivery Service?

We cancelled Amazon Prime and decided to use Walmart.com. They have free 2 day delivery with no yearly fee. Walmart is working extra extra hard to compete with Amazon. We also love the fact that we can pick up orders at the brick and mortar store if need be. I did a test order from Walmart and the ...
by Pajamas
Tue Oct 17, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Conflicting information about Experian pin
Replies: 6
Views: 328

Re: Conflicting information about Experian pin

Why not simply try it to see which way it works?
by Pajamas
Tue Oct 17, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 22
Views: 1618

Re: Business Laptop Suggestions Request

Thinkpad.
by Pajamas
Tue Oct 17, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 31
Views: 1562

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

If the other students have already started back to school, and your nephew won't be starting for a couple of more weeks, then surely basics like food and potable water will be available. He should confirm with the school whether or not he actually needs the type of stuff you are asking about for dai...
by Pajamas
Tue Oct 17, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Advanced protection for Google accounts (Gmail and Drive)
Replies: 8
Views: 752

Re: Advanced protection for Google accounts (Gmail and Drive)

I don't think this level of security is necessary for most people at this time. It protects against fairly sophisticated hacking attempts likely to be directed only at a valuable target.
by Pajamas
Tue Oct 17, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1123

Re: Is it worth applying for Credit Limit Increase?

Do you NEED a credit limit increase? In the past, Chase has simply raised my limit and then notified me.
by Pajamas
Tue Oct 17, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Organized European Tours for Students
Replies: 13
Views: 618

Re: Organized European Tours for Students

It's possible that she is just not mature enough for this type of trip and that it would be better for her to wait a year or two before going. But if it is not appropriate for her to go, you going with her is not going to change that.
by Pajamas
Tue Oct 17, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 18
Views: 2496

Re: Roofer stopped showing up - what are my options?

Talk to the roofer and ask him to level with you. Odds are the money you gave him is gone. See if you can figure out a way to get the job done and have everyone come out happy. Whatever you decide together, put it in writing. That might not work out but any other option is going to cost you so it's ...
by Pajamas
Tue Oct 17, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Buy a rental property before primary home?
Replies: 17
Views: 1226

Re: Buy a rental property before primary home?

Mortgages for your primary residence are different from mortgages for investment properties. You should do a little research on that on a real estate investment website like Bigger Pockets.


https://www.biggerpockets.com/
by Pajamas
Tue Oct 17, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 50
Views: 3947

Re: Best way to make some dollars on a 10 day vacation?

If you hang out in the parking lot at Home Depot early in the morning, you can get paid cash for doing work in landscaping or construction or loading trucks or similar.
by Pajamas
Tue Oct 17, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5441

Re: Is Florida Over, 2017

Valuethinker wrote:
Tue Oct 17, 2017 9:56 am
the USN has a particular interest in these matters.
The USN hasn't watched "Where the Boys Are"?

SMH
by Pajamas
Tue Oct 17, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Organized European Tours for Students
Replies: 13
Views: 618

Re: Organized European Tours for Students

I think you should either let your daughter go on the trip without you or not. If you can't let her go unless you also go, then don't let her go. Don't be "that parent" who insists on going on the trip because they can't bring themselves to deal with their child going without them. This is even more...
by Pajamas
Tue Oct 17, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: How did you rise into the Executive Ranks?
Replies: 18
Views: 3218

Re: How did you rise into the Executive Ranks?

A few colleagues that work at a competitor have reached out to me to join their firm to lead a new business unit. This new unit aligns perfectly with my skill set and will allow for faster exposure and growth than I am currently getting. The executive team at the other firm is excited to bring me i...
by Pajamas
Tue Oct 17, 2017 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Increase Rental Property Debt or Personal Property Debt?
Replies: 4
Views: 367

Re: Increase Rental Property Debt or Personal Property Debt?

Do the terms of the current mortgage on your primary home allow you to use it as a rental property instead of living in it? What about the terms of the HELOC? For that matter, what do the terms of the loans on your current rental property say? Did you tell the lenders that you would be occupying it ...
by Pajamas
Mon Oct 16, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 51
Views: 3614

Re: Amazon Prime - Decline in Delivery Service?

Amazon is not only overworking the USPS, it is almost singlehandedly saving it from pension and service cutbacks, privatization, etc. as well. Package delivery is where they make the money. You should email your concerns to Amazon Executive Customer Service at jeff@amazon.com. Let them know that you...
by Pajamas
Mon Oct 16, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Issue freezing credit reports with 2 out of 3 credit reporters. Help????
Replies: 6
Views: 653

Re: Issue freezing credit reports with 2 out of 3 credit reporters. Help????

Yes, call TransUnion and give them your social security number and whatever other demographic information they ask you for so they can identify you. The person in India already has that information available to them on file and it was also compromised in the Equifax hack so the bad guys already have...
by Pajamas
Mon Oct 16, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 51
Views: 3614

Re: Amazon Prime - Decline in Delivery Service?

Monday Update: * Two separate Amazon parcels guaranteed for today delivery. * Both shipped via USPS. * Both arrived at Post Office on time this morning. * Neither left the post office; neither was delivered. * After 8 pm, I'll send an email to Amazon expressing delay frustration. * Amazon will cont...
by Pajamas
Mon Oct 16, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 59
Views: 4781

Re: Car Buying, Time to grow up.

I thought there was some good advice in this thread: https://www.bogleheads.org/forum/viewtopic.php?p=3574925#p3574925 This post especially for you as far as payment method and ensuring that they honor the agreed price: I stated that I was paying cash, and would bring a cashier's check, thus there i...
by Pajamas
Mon Oct 16, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Meaning of "Todays Dollars"
Replies: 1
Views: 313

Re: Meaning of "Todays Dollars"

Social Security uses similar language when estimating your benefits. What "today's dollars" means is that the actual amount that you will receive in the future will be adjusted higher for inflation so that it has equivalent purchasing power to the stated amount currently. $2,000 ten years from now i...
by Pajamas
Mon Oct 16, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5248

Re: What do you buy in Asian food stores?

I don't regularly buy groceries at an Asian market because it is not convenient, but I used to because it was on my way to and from work and I still do when I am in the neighborhood. There are two primary benefits: cheaper prices on items you already buy elsewhere and being able to buy items that ar...
by Pajamas
Mon Oct 16, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Buying men's suits ebay/online
Replies: 6
Views: 548

Re: Buying men's suits ebay/online

Another consideration with anything "used" (eBay, consignment shops) is that you should be careful about whether the styling is very outdated, such a extremely wide lapels, and also the fit/fullness of the trousers (plus, "pleated or flat", which are partly a personal preference, but also come in a...
by Pajamas
Mon Oct 16, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 53
Views: 4712

Re: Trash dumped on curb (need advice)

I never realized how annoying it was until I lived in an HOA community. I figured it would be a complete non-issue, until I saw it in action. I have neighbors who have gotten threatening notes because *gasp* their mailboxes weren't straight enough or *horrors* they had grass growing in driveway cra...
by Pajamas
Mon Oct 16, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Buying men's suits ebay/online
Replies: 6
Views: 548

Re: Buying men's suits ebay/online

You can't do that unless you already know exactly what size you need and that is particular to the label and even a particular label's individual lines. I do buy clothing online, but shoes and suits only if I already have or at least have tried on very similar items (definitely the same brand and fi...
by Pajamas
Mon Oct 16, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1790

Re: contributing to friend's non-profit?

stoptothink wrote:
Mon Oct 16, 2017 11:17 am
I worked for two of them. I refuse to work in the NPO world anymore strictly for this purpose. Even if they start out with good intentions, my 8yrs of experience in the field suggests that it changes.
"NO MARGIN, NO MISSION!!!!"
by Pajamas
Mon Oct 16, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 53
Views: 4712

Re: Trash dumped on curb (need advice)

I think an apartment/condo is a different story. I'm talking solely about HOAs in single family home communities. It seems to me they exist as a way to justify the actions of nosy neighbors who think they know better than you. I disagree. I have friends on the west coast who live in a neighborhood ...
by Pajamas
Mon Oct 16, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 53
Views: 4712

Re: Trash dumped on curb (need advice)

It isn't easy in some places to find property that is NOT governed by an HOA. I know that personally, I will never again live in an HOA community if/when I move again. I would not want to live in an apartment that didn't have a good board and management that intervened when other residents do thing...
by Pajamas
Mon Oct 16, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Employer Listens To Brokerage Calls?
Replies: 13
Views: 1164

Re: Employer Listens To Brokerage Calls?

All brokers record all calls with customers, as far as I know. It serves similar purposes to the cameras in casinos that record play at blackjack tables or the records kept by all sorts of professionals. It is very unlikely that someone in your office accessed those calls but anything you do at work...
by Pajamas
Mon Oct 16, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 53
Views: 4712

Re: Trash dumped on curb (need advice)

HOA's do not exist to be useful. They are a way for a minority of homeowner's to control their neighbors and a source of harassment and taxes. How true. Well said. My personal experience is that HOAs and similar can protect the majority of homeowners from the selfish and sometimes illegal behavior ...
by Pajamas
Mon Oct 16, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3037

Re: Bonus pushed back - should I be annoyed?

I would keep your annoyance to yourself at work. As an employer I would find it irritating that an employee was complaining about the timing of a "bonus." I don't like it when they get uppity, either. In fact, I think employees who complain should not be employed at all. If they want to remain empl...
by Pajamas
Mon Oct 16, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1790

Re: contributing to friend's non-profit?

I doubt the IRS would give them non-profit status if the organization's goals were to give jobs to certain people. In an ideal world, that would be true, but this is not an ideal world. Non-profits created and managed for selfish rather than truly charitable purposes have even been front page news ...
by Pajamas
Mon Oct 16, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5441

Re: Is Florida Over, 2017

Bogleheads: I live in Miami on the shore of Biscayne Bay. I grew up as a little boy next door. I see little difference in the water level. What has risen is property value and taxes. Best wishes. Taylor Your subjective evaluation of sea levels in the Miami area is not in accord with objective scien...
by Pajamas
Mon Oct 16, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3037

Re: Bonus pushed back - should I be annoyed?

I don't think you have grounds to be irritated about the reasoning for the alignment of the timing of the bonus payment if it is genuine, but you do you have grounds to be irritated that other benefits are not equivalent, in that context. If they are just using it as an excuse to delay your bonus, t...
by Pajamas
Mon Oct 16, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1790

Re: contributing to friend's non-profit?

I'm ambivalent about this notion, on one hand, it's not fair to expect people to run nonprofits and not be compensated. On the other hand, I feel as if our friendship is being monetized. A contributing factor to my feeling is the receipt of the impersonal, form email. In my shoes, would you contrib...
by Pajamas
Mon Oct 16, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 51
Views: 3614

Re: Amazon Prime - Decline in Delivery Service?

I've seen just the opposite. Orders seem to be arriving faster than they used to. I have even seen a couple of same-day deliveries that weren't supposed to be same-day. One factor is that the US Postal Service is delivering the majority of Amazon packages to me at this point and they now have a morn...
by Pajamas
Mon Oct 16, 2017 12:38 am
Forum: Personal Finance (Not Investing)
Topic: First Post (gulp) - Request for Advice on selling inherited home
Replies: 20
Views: 1538

Re: First Post (gulp) - Request for Advice on selling inherited home

It sounds like you don't have time to deal with the house and its contents. If you can sell it to someone who will take care of everything and get almost what you would if you took care of everything yourself, it might be worth it to go that route. A 6% commission for the real estate agent on a $300...
by Pajamas
Mon Oct 16, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Thinking we are close to winning the game
Replies: 35
Views: 5609

Re: Thinking we are close to winning the game

I think you should be cautious because you don't have a good idea of your current spending, much less your future spending. Plus you have large but inexactly known education expenses upcoming and it is a full six years or more before your youngest starts. You need to take a hard look at your spendin...
by Pajamas
Mon Oct 16, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5441

Re: Is Florida Over, 2017

Florida is not over, but I would seriously consider the location before buying a house or apartment there or anywhere else that is subject to frequent floods or other natural disasters, erosion, etc. I would not consider buying a house in a likely flood zone unless it were elevated nor would I consi...
by Pajamas
Sun Oct 15, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3725

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

HornedToad wrote:
Sat Oct 14, 2017 11:30 am

Only on Bogleheads is following the law considered selfish behavior.
Many things that are not illegal are selfish. Most people place constraints or limits on their behavior other than the law.
by Pajamas
Sun Oct 15, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 53
Views: 4712

Re: Trash dumped on curb (need advice)

ending shortsale online) 2. Do I call the HOA association, do I call the zoning commission or garbage people? Just let the HOA know that there is a problem. If they can't take care of it, they might be able to tell you which department of the local government can help. Otherwise, say if the HOA doe...
by Pajamas
Sat Oct 14, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6331

Re: Asking for discounts

I sometimes ask if I get a free gift for spending more than $40 or whatever even amount is just below what I spent. It's good for a laugh with the cashier. :beer