Search found 58 matches

by Thrift Shop
Sat Aug 12, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Model Home Purchase/Leaseback
Replies: 16
Views: 1210

Re: Model Home Purchase/Leaseback

My experience is that models generally sell for a price favorable to the builder. Usually its someone who falls in love with the interior decorating done by the builder, really wants a turn key home, and it becomes an emotional purchase. Your situation may be different so keep track of what the hou...
by Thrift Shop
Sat Aug 12, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Model Home Purchase/Leaseback
Replies: 16
Views: 1210

Re: Model Home Purchase/Leaseback

So you want to buy a house, but don't particularly care when you get it? I would expect a model to be in generally excellent condition apart from carpets. But I'm not sure what the attraction is- great price?? I do care when I get it. Homes in this particular area are in high demand and builders ha...
by Thrift Shop
Sat Aug 12, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Model Home Purchase/Leaseback
Replies: 16
Views: 1210

Re: Model Home Purchase/Leaseback

One other thing. The home will become our primary (and only) residence.
by Thrift Shop
Sat Aug 12, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Model Home Purchase/Leaseback
Replies: 16
Views: 1210

Model Home Purchase/Leaseback

Hi Bogleheads DW and I are considering purchasing a model home with a leaseback arrangement. Details are as follows: - Lease will be 6 months with an option for 2 more at the builders discretion. - Neighborhood is for the most part complete. This home will be one of the last ones sold. - Even though...
by Thrift Shop
Thu Apr 27, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 22
Views: 2768

Re: Considering buying a new cell phone- ideas?

dbltrbl wrote:Nexus 6P 128 gb under $400.00 new



can you tell me where to find that price? I do not see it on Google's website.
by Thrift Shop
Mon Apr 24, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Home? Please Tell Me Why Not?
Replies: 22
Views: 3467

Re: Would You Buy This Home? Please Tell Me Why Not?

So is it just the kitchen and odd garage layout (I have seen that and would have no problem with it) that need to be replaced/updated? Or do all the bathroom/bedroom interior walls need to be put in??? If the later, no I would definitely not touch it. If the bathrooms/bedrooms where normal layout a...
by Thrift Shop
Sun Apr 23, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Home? Please Tell Me Why Not?
Replies: 22
Views: 3467

Re: Would You Buy This Home? Please Tell Me Why Not?

None of what you said about the home alarms me if the final floorplan and amenities fit your needs and wants. I'd just say get as much clarity as possible before entering into contract all the details about how it will be remodeled - is any of the flooring worn, and if so will it be replaced? Is it...
by Thrift Shop
Sun Apr 23, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Home? Please Tell Me Why Not?
Replies: 22
Views: 3467

Re: Would You Buy This Home? Please Tell Me Why Not?

So is it just the kitchen and odd garage layout (I have seen that and would have no problem with it) that need to be replaced/updated? Or do all the bathroom/bedroom interior walls need to be put in??? If the later, no I would definitely not touch it. If the bathrooms/bedrooms where normal layout a...
by Thrift Shop
Sun Apr 23, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Home? Please Tell Me Why Not?
Replies: 22
Views: 3467

Re: Would You Buy This Home? Please Tell Me Why Not?

Sorry I can't help with the specific here, but I do have to ask... what kind of a model home wouldn't have a kitchen?!? I would think that is pretty important for potential buyers to look at. Overall, that would make me a little skeptical, but I've been told I'm too cynical in general. My wording m...
by Thrift Shop
Sun Apr 23, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Home? Please Tell Me Why Not?
Replies: 22
Views: 3467

Would You Buy This Home? Please Tell Me Why Not?

Hello Bogleheads, DW and I are looking at a home in an area that we like and wish to be in. The home is somewhat unique in that it was one of the builders model homes. Actually the home is a shell of a plan they offer, but the walls were designed to accomodate the salespeople offices in the neighbor...
by Thrift Shop
Fri Feb 17, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 2156

Re: What to ask puppy breeder?

Not giving you grief, just some information.

I have adopted 2 perfectly good, loving dogs from my local humane society. No major health problems, no emotional problems. Just great dogs!

Please reconsider adopting from the humane society.
by Thrift Shop
Sat Dec 24, 2016 4:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 8412

Re: My Christmas Gift to You.

Thank you for your service Mr. Larimore. I am forever grateful to you and others who have served and sacrificed.

Merry Christmas and Happy New Year!
by Thrift Shop
Fri Sep 23, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 3730

Re: Companion Dogs for an older person

I second the Humane Society. I adopted our Beagle from a local Humane Society and she has become a great companion. I know you did not ask about breed, but a friend of mine rescued a pair of Greyhounds. These are race dogs that apparently the industry no longer has use for and there is an organizati...
by Thrift Shop
Wed Jul 13, 2016 7:57 am
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 15790

Re: How many of you have cut cord?

I am cutting the cord today. My cable bill is always going up and when I ask the cable company why, there is no explanation. This is the last time. The only show will miss is live sports. However I am viewing less and less of live sports anyway. No longer worth the expense along with time spent call...
by Thrift Shop
Sat Jul 09, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: State Street and my 401k
Replies: 3
Views: 591

Re: State Street and my 401k

So it all goes to 1 Lincoln St, Boston, MA ? Yes, all to 1 Lincoln St. Would you expect Verizon to hand out ATT wireless handsets to its employees if the Verizon costs were better? I'm guessing not... Right. But I am talking about preserving a working lifetime of savings. Not a handset. I am sure S...
by Thrift Shop
Fri Jul 08, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: State Street and my 401k
Replies: 3
Views: 591

State Street and my 401k

One lesson I learned from the past fiascos in fund management (meaning outright fraud) is to check the relationship between entities making investment decisions and those who are the custodians for the funds assets. Madoff being the classic example of one who made investment decisions and kept all r...
by Thrift Shop
Wed Jan 27, 2016 8:29 am
Forum: Personal Consumer Issues
Topic: 3 Small Dogs - Dental Care
Replies: 19
Views: 1854

Re: 3 Small Dogs - Dental Care

I add a product to my dog's water. In the morning I add one tablespoon to her bowl. Towards the evening I refresh the bowl with plain water. I brush her teeth twice a week. About two or three times a week I let her chew on an Elk antler or a cow hoof until she is bored with it. Both products are ext...
by Thrift Shop
Fri Jan 15, 2016 9:29 am
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 8683

Re: What would you tell your 25 yr old self?

Enjoy your youth!

While you have the time and energy, pursue the career that you enjoy and follow with passion. Abandon the career that pays well but you hate.
by Thrift Shop
Thu Dec 03, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: Ford Edge or Nissan Murano or Something Else
Replies: 24
Views: 2519

Re: Ford Edge or Nissan Murano or Something Else

I agree with the other posters in looking at Consumer Reports for reliability ratings. I have a 2006 Murano. The car rides very well and is extremely comfortable (good for me as I am tall). However, it is not very reliable. If you are looking in to a new model then Nissan may have improved in qualit...
by Thrift Shop
Tue Nov 24, 2015 10:00 am
Forum: Personal Consumer Issues
Topic: Trying to get out of house
Replies: 24
Views: 3614

Re: Trying to get out of house

My apologies - I should clarify. I am not asking whether I should try to sell it right now. I am asking whether I should get a new roof on it in the spring (when I plan on listing it) or list it and see if I get any interest. If I do and they mention the roof, I could then throw some money for a re...
by Thrift Shop
Tue Nov 24, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: Need New Carpet to Sell Home
Replies: 38
Views: 3788

Re: Need New Carpet to Sell Home

Thank you all for the valuable input. The information about everyone's experience helps me understand what prospective buyers may want.

The split decision on this message board is about the same as between DW and I. 50/50. LOL
by Thrift Shop
Mon Nov 23, 2015 2:03 pm
Forum: Personal Consumer Issues
Topic: Need New Carpet to Sell Home
Replies: 38
Views: 3788

Re: Need New Carpet to Sell Home

Do you live in an area with cold winters, i.e. anywhere outside of the Southwest or Southeast. Common wisdom is you won't get good prices in the winter. Not sure if you can afford to wait till April-May or if you have renters that can be extended or if you need the money. I live in the Southeast so...
by Thrift Shop
Mon Nov 23, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: Need New Carpet to Sell Home
Replies: 38
Views: 3788

Re: Need New Carpet to Sell Home

I like the idea of a flooring allowance. We bought a house 2 years ago that had pink carpet in some rooms, cheapo laminate in another room, tile in others.... I didn't care about that because I was going to pull it all up and put in the floors I wanted (high quality 12mm floating laminate). Had the...
by Thrift Shop
Mon Nov 23, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: Need New Carpet to Sell Home
Replies: 38
Views: 3788

Re: Need New Carpet to Sell Home

If you do decide to replace the carpet then also consider putting in wood floors. Some of the engineered wood floors are not all that expensive and that could be a good selling point that few buyers would object to. Looking in to the engineered wood floors may be a good option. Never thought of tha...
by Thrift Shop
Mon Nov 23, 2015 1:44 pm
Forum: Personal Consumer Issues
Topic: Need New Carpet to Sell Home
Replies: 38
Views: 3788

Re: Need New Carpet to Sell Home

I do have a small dog, but I can keep her out of the carpeted areas if need be. If I go the carpet route, a berber may be what is needed. I was considering a textured carpet but based on your experience with berber it may change my mind. Thanks. I think you need to do all you can to have your wife ...
by Thrift Shop
Mon Nov 23, 2015 10:48 am
Forum: Personal Consumer Issues
Topic: Need New Carpet to Sell Home
Replies: 38
Views: 3788

Re: Need New Carpet to Sell Home

I agree with your wife. Clean & crisp carpet will make the house show much better. It does not have to be expensive. Paint first if needed before replacing the carpet. I talked to a landlord I know and got his recommendation on a "carpet guy". The carpet guy was one of those that come...
by Thrift Shop
Mon Nov 23, 2015 9:55 am
Forum: Personal Consumer Issues
Topic: Need New Carpet to Sell Home
Replies: 38
Views: 3788

Re: Need New Carpet to Sell Home

I second the "flooring allowance" recommendation. This will catch the people (who are becoming ever more common) who say things like, "I could never live in a house without hardwood flooring." They can choose to their taste and you don't spend any more than you would have before...
by Thrift Shop
Mon Nov 23, 2015 9:54 am
Forum: Personal Consumer Issues
Topic: Need New Carpet to Sell Home
Replies: 38
Views: 3788

Re: Need New Carpet to Sell Home

Unless your current carpet is terribly dirty, most buyers would be able to look past it knowing they have the option to put in exactly what they want. Thank you. Yes, I agree and if it were my decision alone i would choose not to replace the carpet and provide a credit. However, one of us cannot ge...
by Thrift Shop
Mon Nov 23, 2015 9:42 am
Forum: Personal Consumer Issues
Topic: Need New Carpet to Sell Home
Replies: 38
Views: 3788

Need New Carpet to Sell Home

DW and I are going to put our home on the market in January. We would like to replace the wall to wall carpet in the home to make the home appear a bit "fresher". Most likely will choose a neutral tone carpet of some sort so it hopefully appeals to most potential buyers. Some info: Our hom...
by Thrift Shop
Wed Nov 11, 2015 9:27 am
Forum: Personal Consumer Issues
Topic: Veteran's Designation on Drivers License
Replies: 28
Views: 2886

Re: Veteran's Designation on Drivers License

For future reference, a bill was passed this year instructing the Department of Veterans Affairs to issue ID cards to veterans when requested (regardless of whether the veteran is using VA Medical or not). You can do a search to see when it was passed, who introduced the bill, etc. I have looked at ...
by Thrift Shop
Thu Oct 29, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct and your portfolio
Replies: 14
Views: 1717

Re: Treasury Direct and your portfolio

One way to manage what you are asking is to buy Treasuries at auction through an on line discount brokerage. Typically no fee. In addition, you could purchase bond ETF's. That way, you could have both funds for rebalancing as well as managing duration in a "build your own" bond fund. It do...
by Thrift Shop
Sat Sep 19, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Free Kindle Downloads Today
Replies: 49
Views: 5613

Re: Free Kindles Today

Thank You sir!
by Thrift Shop
Sat Sep 05, 2015 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Just sharing my journey with credit cards
Replies: 3
Views: 1244

Re: Just sharing my journey with credit cards

Congrats. Can you expand on how you obtained 2 airline tickets for free? Was it a particular airline rewards program or cash back for travel? I am also looking to learn about travel reawards.

THanks
by Thrift Shop
Thu Jun 04, 2015 9:11 am
Forum: Personal Finance (Not Investing)
Topic: ACA and retiring before 65
Replies: 28
Views: 4418

Re: ACA and retiring before 65

We are early to mid 50's and in a position to possibly retire early in the next few years.. Did the BH thing all our working lives, lived way below our means, saved, invested, and so on. Depending on whether the ACA survives or not can make a big difference in our plans. We were both very healthy un...
by Thrift Shop
Sun May 31, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Kitchen and Living/Family Room Flooring
Replies: 18
Views: 3350

Re: Kitchen and Living/Family Room Flooring

My house is an average house in a nice neighborhood. By average I mean not the most expensive or least expensive. By nice I mean not a starter home but not executive neighborhood. Somewhere in between. The living room, den and dining room were carpeted. Two beagles decided having a pristine carpet w...
by Thrift Shop
Mon May 18, 2015 11:29 am
Forum: Personal Consumer Issues
Topic: Questioning a Dentist?
Replies: 43
Views: 5358

Re: Questioning a Dentist?

I often wonder if these second opinion dentists tell you you don't need work because it's what you want to hear, knowing maybe in a year they can start drilling, too. I try to restrain my cynicism. In the OP's case maybe possible. In my experience, I saw a new dentist for the first and last time ab...
by Thrift Shop
Wed Apr 29, 2015 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: SSDI and LTD
Replies: 15
Views: 1055

Re: SSDI and LTD

Maybe there is something subtle going on here but I can't see any problem with using their attorney. The main difference seems to be whether you spend your time talking to a lawyer or talking to social security. Neither one sounds like fun. LTD sometimes has requirements about what type of substitu...
by Thrift Shop
Wed Apr 29, 2015 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: SSDI and LTD
Replies: 15
Views: 1055

Re: SSDI and LTD

I would have the attorney do everything if it doesn't cost you any money. The insurance company has an interest in making sure the SSDI benefits get paid out to reduce their own obligation. Navigating the SSDI system on your own could be a massive PITA. Just make sure to read the fine print of any ...
by Thrift Shop
Wed Apr 29, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: SSDI and LTD
Replies: 15
Views: 1055

Re: SSDI and LTD

I would have the attorney do everything if it doesn't cost you any money. The insurance company has an interest in making sure the SSDI benefits get paid out to reduce their own obligation. Navigating the SSDI system on your own could be a massive PITA. Just make sure to read the fine print of any ...
by Thrift Shop
Wed Apr 29, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: SSDI and LTD
Replies: 15
Views: 1055

Re: SSDI and LTD

I would have the attorney do everything if it doesn't cost you any money. The insurance company has an interest in making sure the SSDI benefits get paid out to reduce their own obligation. Navigating the SSDI system on your own could be a massive PITA. Just make sure to read the fine print of any ...
by Thrift Shop
Wed Apr 29, 2015 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: SSDI and LTD
Replies: 15
Views: 1055

Re: SSDI and LTD

I would have the attorney do everything if it doesn't cost you any money. The insurance company has an interest in making sure the SSDI benefits get paid out to reduce their own obligation. Navigating the SSDI system on your own could be a massive PITA. Just make sure to read the fine print of any ...
by Thrift Shop
Wed Apr 29, 2015 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: SSDI and LTD
Replies: 15
Views: 1055

Re: SSDI and LTD

Interesting LTD conditions/provisions. No answers to questions, but one "issue" I would consider. That issue is health/medical insurance coverage if on LTD vs. SSDI and lower LTD. I believe (not sure of details) that a person on SSDI is (or may be?) eligible for Medicare coverage after be...
by Thrift Shop
Wed Apr 29, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: SSDI and LTD
Replies: 15
Views: 1055

SSDI and LTD

Spouse has received short term disability (STD) for approximately 6 months from an employer provided plan. The STD is now going in to long term disability (LTD), which is also employer provided. The insurance company that administers the plan has approved LTD benefits. Once receiving LTD, the insura...
by Thrift Shop
Sat Mar 21, 2015 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge Question
Replies: 21
Views: 2514

Re: Merrill Edge Question

I have had ML Edge for several years. Things have been fine, no problems.

The only complaint I have is they do not offer an ability to purchase Treasury bonds at auction. Treasury bonds can only be bought on the secondary market.
by Thrift Shop
Mon Mar 02, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1866

Re: No heat

The blower motor on my furnace just went out last week. I paid $350 to have it replaced. I watched the repairman do the work. Yes, it appeared to be quite simple. A few screws and a bit of wiring. A pretty easy do it yourself job. I would have been comfortable doing it myself except 1) I did not kno...
by Thrift Shop
Fri Jan 23, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 141
Views: 35967

Re: Netflix DVD delivery slowdown?

I have noticed a slow down. I noticed the delivery slowdown in late 2014 and continuing so far in to 2015. I average about 1 movie every week (sometimes less), so I do not think the slowdown is due to throttling. In the past, I would place the DVD in the mail on Monday and receive an email, from Net...
by Thrift Shop
Sat Jan 03, 2015 8:35 am
Forum: Personal Finance (Not Investing)
Topic: HR Block software deal on Amazon
Replies: 45
Views: 6722

Re: H&R Block Tax Software - Low Prices at Amazon

runner9 wrote:
Thrift Shop wrote:Darn. Yesterday I paid $34 for this software.


If you did so at Amazon most people post success contacting them and asking for the price difference, if they lowered the price within a few days.


The purchase was made at Amazon. Thanks, I will check to see if they will refund the difference.
by Thrift Shop
Fri Jan 02, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: HR Block software deal on Amazon
Replies: 45
Views: 6722

Re: H&R Block Tax Software - Low Prices at Amazon

Darn. Yesterday I paid $34 for this software.