Search found 2801 matches

by Pajamas
Mon Dec 11, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Upside Down On Vehicle
Replies: 16
Views: 959

Re: Upside Down On Vehicle

Seems like the normal situation with the vehicle, except that you are having negative emotions about it. Whether you should pay the loan off early would depend on the alternative use for the money and which would provide better financial and intangible return, since the situation is bothering you. H...
by Pajamas
Mon Dec 11, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford? (First Home)
Replies: 27
Views: 1987

Re: How much house can I afford? (First Home)

I would agree with everyone else that the timing isn't right to buy now with your wife in medical school, regardless of how the dollars work out. You shouldn't plan on selling something you buy now in a few years for a profit or even at break-even. You could well take a loss. There is no way to pred...
by Pajamas
Mon Dec 11, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2313

Re: Do girls wear Ninja Turtle character shoes

rkhusky wrote:
Mon Dec 11, 2017 1:03 pm

Another personal opinion with which others may disagree.
I don't care if others disagree with that.

https://www.thetrevorproject.org/resour ... t-suicide/
by Pajamas
Mon Dec 11, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2313

Re: Do girls wear Ninja Turtle character shoes

rkhusky wrote:
Mon Dec 11, 2017 1:00 pm


Not teaching a child or providing discipline causes suffering and can be abusive.
Agreed, but not letting a child wear shoes because they aren't for the right gender doesn't fall under "teaching a child or providing discipline."
by Pajamas
Mon Dec 11, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off a mortgage with an almost non-existent rate
Replies: 15
Views: 1158

Re: Paying off a mortgage with an almost non-existent rate

Does it ever make sense to pay off a mortgage with such a low interest rate? It wouldn't make sense currently because you can earn significantly more interest without taking significant risk, say in a savings account, money market fund, or CD. You could always use money in those investments to pay ...
by Pajamas
Mon Dec 11, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2313

Re: Do girls wear Ninja Turtle character shoes

rkhusky wrote:
Mon Dec 11, 2017 12:51 pm

Really? Not letting a child wear TMNT shoes is suffering and abuse?
Not letting a child develop naturally causes suffering and can be abusive.
by Pajamas
Mon Dec 11, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2313

Re: Do girls wear Ninja Turtle character shoes

TheHouse7 wrote:
Mon Dec 11, 2017 12:39 pm
I thought I could nip this topic in the bud. What a great community! :mrgreen:
A real classic:

https://www.youtube.com/watch?v=0mj6B4DtNyM
by Pajamas
Mon Dec 11, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Duplex, what % of income am I spending on my own housing?
Replies: 1
Views: 182

Re: Duplex, what % of income am I spending on my own housing?

I would split the expenses equally between the two units unless they only apply to one side, such as a kitchen or bathroom renovation. In this specific instance, I would only count net rental income in total gross income. Operating expenses: $12k or $6k per side Gross rental income: $10k Net rental ...
by Pajamas
Mon Dec 11, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1491

Re: Best Parmesan Cheese for Salad

If you want a high quality Parmesan cheese, buy the best block that you can find and shave it. I think some of the Parmesan-style cheeses are just as good as the regulated true Parmesans from Italy. If you just want to add umami flavor, the green cans of cheese work well. I often add it to dishes th...
by Pajamas
Mon Dec 11, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2313

Re: Do girls wear Ninja Turtle character shoes

Parents have the right to raise their children how they wish in regards to these trivial matters. Sanctimonious attitudes are usually not welcome. I agree. People should keep their person opinions about how to raise a child (concerning gender roles) in this manner out of this, on both sides of the ...
by Pajamas
Sun Dec 10, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2313

Re: Do girls wear Ninja Turtle character shoes

Some stores now have unisex clothing and toy departments for children. Toddlers should wear what they want to as long as it is suitable for the weather. Just beware of possible issues with sizing. Most stores do seem to have those or very similar sneakers listed in the boys department. https://www.g...
by Pajamas
Sun Dec 10, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 34
Views: 2057

Re: Can/Should early retiree avoid ACA tax credits?

Do you avoid other tax credits and deductions for which you are eligible because of ethics? This one is no different. If it still bothers you, what about taking the credit and then donating it to a worthy cause?
by Pajamas
Sun Dec 10, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get rid of lot of land?
Replies: 37
Views: 6335

Re: Best way to get rid of lot of land?

Find out what will happen if you stop paying taxes on it.

Put an ad on Craigslist offering it at a nominal price.

Focus on the fact that you are trying to get rid of it, not make money off of it.
by Pajamas
Sun Dec 10, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: Would a Bitcoin Crash affect the general markets?
Replies: 25
Views: 1802

Re: Would a Bitcoin Crash affect the general markets?

No one really knows yet. There have been some mini-crashes but nothing extreme.
by Pajamas
Sun Dec 10, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: google calendar event by unknown
Replies: 5
Views: 334

Re: google calendar event by unknown

Google has changed some things in 2017 to make it "smarter" and supposedly easier to use. It might be adding events from links or emails even if you didn't accept an invitation. It could have even created an event on your calendar from an article or ad that had the necessary information to do so if ...
by Pajamas
Sun Dec 10, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3332

Re: Please suggest a dry hands product

The best product for dry hands depends on what your needs are. This is very outdated as far as the list of commercial products but the basic information and discussion about occlusives, humectants, and emollients still applies: http://www.skintherapyletter.com/2001/6.13/2.html For skin so dry that i...
by Pajamas
Sun Dec 10, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 92
Views: 6613

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

I suspect that you may be figuring out that moving somewhere else doesn't really help much with what you are asking about and is a great source of stress in itself and with all the changes it creates. Maybe it would help to literally slow down and just be aware of what is, both within you and around...
by Pajamas
Sun Dec 10, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 27
Views: 1322

Re: detergent without non-recyclable packaging?

I buy powdered detergent in boxes because of the machines I use to do laundry. I had not questioned the ability to recycle the boxes, but it seems that P&G claims that their Tide cardboard boxes are recyclable. It does depend on what is accepted for recycling locally. https://tide.com/en-us/about-ti...
by Pajamas
Sun Dec 10, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 3742

Re: Buying index funds is just as speculative as buying Bitcoin

agottem wrote:
Sun Dec 10, 2017 2:57 pm
I believe in bitcoin as a technology. I believe in bitcoin as a currency. And I believe in bitcoin as a store of my wealth.

:beer
by Pajamas
Fri Dec 08, 2017 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I file taxes w/o her?
Replies: 44
Views: 2283

Re: Should I file taxes w/o her?

Let your wife bring home the bacon for you to fry. Have a kid, quit your job, stay home to raise the child and keep house. Problem solved! :beer
by Pajamas
Fri Dec 08, 2017 12:29 am
Forum: Investing - Theory, News & General
Topic: Unsolicited advice - 32 yo w/ 80% bonds, fixed income fund
Replies: 36
Views: 3103

Re: Unsolicited advice - 32 yo w/ 80% bonds, fixed income fund

Have a buddy with the above AA - we've spoken about our individual AA before, but never gone into depth why. I just would like him to know that there are options out there that can outpace inflation (so to speak) in the long run. Rather than provide unsolicited advice, the only thing I can think of...
by Pajamas
Fri Dec 08, 2017 12:20 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 50
Views: 3512

Re: Call the top! - Bitcoin

Wouldn't try to guess with established financial institutions now getting involved with Bitcoin derivatives.
by Pajamas
Fri Dec 08, 2017 12:07 am
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5297

Re: What do Bogleheads say when they don't want to spend money?

Don't say anything, just wrinkle your nose and make a face. :x
by Pajamas
Fri Dec 08, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4381

Re: Dollar Store Hacks

Liquid hand soaps in pump containers are sometimes a good buy, depending on the brand. Bars of soap such as Yardley's and Pears. Liquid and glycerin bar soaps from Turkey. Some dollar stores have a good selection of generic medications in 1 oz. tubes such as triple antibiotic ointment, hydrocortison...
by Pajamas
Thu Dec 07, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help with automating all month-to-month bills
Replies: 10
Views: 964

Re: Help with automating all month-to-month bills

I have all bills without a surcharge for credit cards set up to be billed to a credit card to get the credit card bonus. The few that charge for paying with a credit card are set up to be debited from checking. The credit card bill is automatically debited from checking. It's been set up this way fo...
by Pajamas
Thu Dec 07, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5694

Re: It's that time of year again... buying christmas gifts

My girl and I just had our annual fight about the Christmas budget. I absolutely hate the pressures of society forcing me to buy unnecessary gifts for people who don't need it. I checked our budget ($600 total ($300 each)) and it still frustrates me; my brain just isn't wired this way. How can I sh...
by Pajamas
Thu Dec 07, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 59
Views: 5870

Re: CPA: The best profession if you want to make the most money + keep the most money?

Yes I know. I have researched the earnings of top executives for companies and they earn millions per year. But I think the probability of getting that position is very low right (less than becoming a surgeon or even a plastic surgeon)? Not top executive, investment banker. Path is top school, MBA,...
by Pajamas
Thu Dec 07, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1553

Re: sharing cost of tree cutting

That's the thing, the branches don't actually overhang so I suspect that trimming my tree will minimally improve his situation... tree + wind = blown leaves. Then if you are doing reasonable routine lawn maintenance, he may be being unreasonable. I would consider simply telling him that you're sorr...
by Pajamas
Thu Dec 07, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 59
Views: 5870

Re: CPA: The best profession if you want to make the most money + keep the most money?

Around here it is investment banking and similar, basically Wall Street. Top school, MBA in finance, job on Wall Street. Annual bonus makes anesthesiologist or white-shoe law partner earnings look like chump change. In a good year, a secretary to some of the top people can take home a several hundre...
by Pajamas
Thu Dec 07, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1706

Re: SSN on job applications

At the present time, I just assume everyone has my SSN whether I like it or not, so giving it out to someone such as physicians, clients, is not a big deal anymore. +1 I used to give it to doctor's offices when it was requested. Years ago when I was in school, they used it for the student ID number...
by Pajamas
Thu Dec 07, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1553

Re: sharing cost of tree cutting

There are books written on this very topic, sometimes just about trees and sometimes about other issues between neighbors, too. Start with state law and then check your local laws. If there is a homeowner's association, it might also have rules that come into play. https://www.nolo.com/legal-encyclo...
by Pajamas
Thu Dec 07, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 55
Views: 4816

Re: Dad Needs Help Buying Wedding Liquor

I have never heard anyone complain about an open bar unless they ran out of booze!
by Pajamas
Wed Dec 06, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency marketplace hacked, pilfered for +- 60 million
Replies: 10
Views: 1921

Re: Cryptocurrency marketplace hacked, pilfered for +- 60 million

The Bangladesh Bank was hacked for more than that, $81 million. What does that mean? Are you sure about the dollar?

https://www.reuters.com/article/us-cybe ... SKCN0YA0CH
by Pajamas
Wed Dec 06, 2017 8:53 pm
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3548

Re: Does it look like a bubble to you?

I see from subsequent posts that 1/3 of the value of the world market capitalization in the original graph was attributable to Venezuelan hyperinflation and the way the data were composed. That proves that it is not presenting information in a meaningful or useful way but just to be able to write ab...
by Pajamas
Wed Dec 06, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 55
Views: 4816

Re: Dad Needs Help Buying Wedding Liquor

I think it is somewhat regional so you should check with the bartenders. In some parts of the country, Jack Daniels and beer might be fine for 95% of the guests and in other parts of the country, it might be the newest and trendiest brand of vodka or wine that would be fine for 95% of them. You migh...
by Pajamas
Wed Dec 06, 2017 8:42 pm
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3548

Re: Does it look like a bubble to you?

That chart may reveal more about the value of the dollar than it does about the value of the global stock market. What does a similar chart denominated in euros or renminbi, oil or gold instead of dollars look like? Or bitcoin, for that matter? What does a chart of total value of world currencies lo...
by Pajamas
Wed Dec 06, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 1726

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

As far as getting cheap bags, and just buying new ones if the old ones break, including during travel, there are times when we aren't near stores that have luggage, or we really don't have time except at night. So we've tried for "durable". So far, it's worked most of the time, enough that we'll ke...
by Pajamas
Wed Dec 06, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 1726

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

My last had 2 wheels and I had no problems wheeling that. Then stick with four wheels. My latest bag has four wheels and while it maneuvers better down the aisle of the airplane, a two-wheeler is slightly better everywhere else and can be used as a stool when necessary. Most two-wheelers have sturd...
by Pajamas
Wed Dec 06, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Cat sitter info
Replies: 21
Views: 1001

Re: Cat sitter info

I will be traveling and need someone I can trust to come to my house every day and feed the cat and clean the cat box. How would I find someone good? What would I expect to pay? It can be difficult to find someone you don't know that you can trust with your pet and your house. It is best to get som...
by Pajamas
Wed Dec 06, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5630

Re: Mortgage as percentage of take-home pay

It's meaningless to think in those terms because pay can vary from a couple of hundred dollars a week to millions every month and housing needs and costs vary, too. Example: If you make $50,000 a month, 50% of that for mortgage payments might be fine, whereas if you make $2,000 a month, 50% of that ...
by Pajamas
Wed Dec 06, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 6966

Re: Lowering My Grocery Bill

I've compared my Aldi and TJ receipts and TJ is often higher. I think their veggies/chicken just cost more. Fun fact, those two companies are owned by the same parents company. No, they are owned by two separate companies split from a single company when two brothers could not agree on whether or n...
by Pajamas
Tue Dec 05, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 6966

Re: Lowering My Grocery Bill

If you are already doing most of your shopping at Aldi, then the only normal way you are going to lower your grocery costs significantly is to change what you eat, particularly avoiding prepared foods and moving towards less expensive animal protein sources and more non-animal protein sources. You a...
by Pajamas
Mon Dec 04, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3479

Re: housing for in-laws

Sounds like your house isn't suited for two-family living or for one extended family to achieve sufficient separation and privacy. Your in-laws don't want to be relegated to the basement, and asking them to live in even a nearby place might offend them, unless you think they would prefer to have the...
by Pajamas
Mon Dec 04, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3321

Re: Understanding the World of Credit Card "Points"

That said, my family does a lot of business with Amazon, and I'm wondering if that isn't the one credit facility we should have? Any others, but keeping it simple? I prefer to keep my finances simple and minimize the number of credit cards I hold but finally got the Amazon Visa for the $70 sign-on ...
by Pajamas
Wed Nov 29, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5449

Re: When to tell the SO about my financial situation?

It does seem like you have become fairly knowledgable in great detail and very involved about her finances, so could it feel one-sided from her viewpoint? That might be the real issue. You don't need to provide full, detailed information about your finances in a single conversation. It should be gra...
by Pajamas
Wed Nov 29, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2865

Re: Don't leave your mac unattended! It has zero security now.

For those of us who are tech-challenged and chose Mac for exactly that reason, i.e., its general "intuitive" feel and ease of hands-on use, what does it mean to "set a password to root"? What exactly does a person do to accomplish this? And is it something that will need to be un done when Apple it...
by Pajamas
Wed Nov 15, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 37
Views: 2205

Re: Office Chair Recommendations (Aeron?)

BTW I found the Aeron seat to be rather stiff. I bought a custom cushion from ebay, it's now very comfy. Which is why it is so important to actually try a chair before buying. Few people would buy shoes that they had never tried on just because they were recommended on the internet even though the ...
by Pajamas
Wed Nov 15, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Florida slip & fall advice? Helping my parents
Replies: 11
Views: 917

Re: Florida slip & fall advice? Helping my parents

-What is the statute of limitations on personal injury cases in Florida? -If they take the settlement, are they required to pay back their health insurance company for the surgery, physical therapy, etc. for medical treatment related to the fall? -Any other advice? Thank you for your help and advic...
by Pajamas
Wed Nov 15, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8789

Re: Has used furniture dropped in value dramatically?

Your experience is typical. Not many people want that kind of furniture because it is not in style and so it has little value. Maybe you can find a charitable organization that will come pick it up for free, either to resell or to give to a family that doesn't have any furniture due to being refugee...
by Pajamas
Wed Nov 15, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: Do you subscribe to taking risk only on the equity side
Replies: 40
Views: 2439

Re: Do you subscribe to taking risk only on the equity side

I do dabble in more speculative preferred shares but limit the amounts involved. I wouldn't consider risky preferred equities or bonds part of a bond allocation because they can't and don't serve the same purpose. Don't kid yourself about the risks in distressed preferreds or junk bonds or issuers w...