Search found 204 matches

by blueberry
Sat Aug 19, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 8030

Re: IBonds: My worst bond investment over the last 5 years

I don't see a reason to buy I-bonds when they don't keep up with inflation.

-bb
by blueberry
Sat Aug 19, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 238
Views: 29136

Re: What is Bitcoin?

There are a couple of podcast interviews about bitcoin and alt currencies here:

https://www.bloomberg.com/podcasts/odd_lots

I've been looking for an excuse to post the above link - I think odd lots is a really entertaining listen, fun interviewers and great interviewees.

-bb
by blueberry
Fri Aug 18, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3117

Re: popcorn ceiling, removal or drywall over it?

Thanks people. I am going with removal by a pro, starting with one small bedroom to make sure the painted over stuff comes off okay and the drywall is in decent shape.

This forum is a great collection of minds and experiences!

-bb
by blueberry
Thu Aug 17, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3117

Re: popcorn ceiling, removal or drywall over it?

Plank Wood Ceilings. So I'm in the exact same boat. I just bought a townhome and waiting for escrow to close to move in. Home was build in 1971 and only assuming there's asbestos in the popcorn ceilings. My gf and I had planned on just scraping it, but after doing a lot of research I was too scared...
by blueberry
Thu Aug 17, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3117

Re: popcorn ceiling, removal or drywall over it?

Instead of scraping (which sounds like a pain given that it's been painted over), can you just tear down all of the old ceilings and then hang up the new drywall? I suppose this is not too different from your original "drywall over top of the popcorn" plan, but I don't like the idea of encapsulatin...
by blueberry
Thu Aug 17, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3117

Re: popcorn ceiling, removal or drywall over it?

I've had good luck with wetting down and scraping the popcorn off. Much will depend on how the sheetrock itself looks, the popcorn was sprayed there to help cover up imperfections, lumps over joists, mismatched joints, and so on that may be revealed when you scrape it off. If your house was built i...
by blueberry
Thu Aug 17, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3117

Re: popcorn ceiling, removal or drywall over it?

rgarling wrote:
Thu Aug 17, 2017 12:42 pm
...I think another layer will cost more than removing the popcorn and makes a bigger mess.
Didn't expect either of those things.

Thx,
-bb
by blueberry
Thu Aug 17, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3117

Re: popcorn ceiling, removal or drywall over it?

I... Also, apparently popcorn is "out". ... Yep, I have had people inside looking to buy, and they can't stop looking at the popcorn ceiling :? . My popcorn has been painted multiple times, and I think that makes the job of scraping it off much harder, involves scoring it and spraying it repeatedly...
by blueberry
Thu Aug 17, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3117

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. If applied prior to 1980, if could be asbestos in the popcorn. If it is, don't disturb it unless you wish to have it professionally removed. You may wis...
by blueberry
Thu Aug 17, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3117

Re: popcorn ceiling, removal or drywall over it?

Pajamas wrote:
Thu Aug 17, 2017 11:32 am
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.
The house was built in 68 and ceilings are usually painted white so both of those problems seem possible.

-bb
by blueberry
Thu Aug 17, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3117

Re: popcorn ceiling, removal or drywall over it?

Andyrunner wrote:
Thu Aug 17, 2017 11:21 am
Maybe I'm misunderstanding it. You want to put a 2nd sheet of drywall over the popcorn ceiling? Won't that make the ceiling shorter?
Yes, by less than 1/2", I've been told it won't be noticeable.
by blueberry
Thu Aug 17, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3117

popcorn ceiling, removal or drywall over it?

HI,

I've googled and talked to contractors and there doesn't seem to be agreement. The thought of just drywalling over it appeals to me as much less messy, but I can't tell if there is a problem with that approach. Has anyone done this kind of project and had good or bad results?

Thx,
-bb
by blueberry
Thu Aug 17, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Tax question about selling my house
Replies: 17
Views: 1554

Re: Tax question about selling my house

From my experience I believe you will have to recapture depreciation whether you took it or not.

-bb
by blueberry
Wed Aug 16, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 9223

Re: ObamaCare 2018

I am early retired and health insurance is a factor in where I move for retirement. From this article, Seattle looks attractive. Detroit looks good too. And you can get a really cheap house there. There's a reason... well several reasons for that! Uninsured health costs can of course wipe out all f...
by blueberry
Wed Aug 16, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 9282

Re: Is $9000 too much for a sectional sofa ?

You've kind of been put through the wringer by us cheap skates, but the important thing is, sounds like you're happy with the end results of your project and that is the real bottom line!

-bb
by blueberry
Wed Aug 16, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 9282

Re: Is $9000 too much for a sectional sofa ?

Maybe it's just me but I see similarities between hiring a decorator and hiring an edward jones financial adviser.
by blueberry
Tue Aug 15, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 9223

Re: ObamaCare 2018

As someone who at times looked for individual health coverage before ACA existed and discovered it wasn't even available in my state (previously in WA individual health has been available off and on), ACA has been great. My deductible went way up last year but it felt closer to real costs and I've h...
by blueberry
Tue Aug 15, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 9282

Re: Is $9000 too much for a sectional sofa ?

Watch this SNL skit and then ask if you even want a sectional: https://www.youtube.com/watch?v=4-Sjy5DF28s As for your question, $9k wouldn't surprise me for a large custom high quality piece of furniture. Hilarious skit! Some think we spend the first half of our lives acquiring things and the seco...
by blueberry
Mon Aug 14, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 15949

Re: How far would you travel to see The Eclipse?

Surely this must be sarcasm. Well, it was a joke. You never know with some people on here saying that 95% is good enough for them when it wont really look any different than a normal day. Tone doesn't translate well over internet posts. A normal day with a partial eclipse. I'll be in the middle of ...
by blueberry
Sun Aug 13, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6910

Re: Expect to spend $2.6M on healthcare?

I expect legalization of assisted suicide to come to the rescue, but I could be wrong :wink:
by blueberry
Sat Aug 12, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 17
Views: 2054

Re: Redfin

I've not understood how to gauge redfin 'coverage', they do not have agents everywhere. I've been more interested in Zillows make me move, zero agent, just hire a real estate lawyer when you've found a buyer. There have been a couple of successful sales stories about that here I think. That seems li...
by blueberry
Tue Aug 08, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: How much cash should I have in my bank for emergency funds.
Replies: 29
Views: 2174

Re: How much cash should I have in my bank for emergency funds.

... 40k/month after taxes. ...
I don't think you need an emergency fund.

-bb
by blueberry
Mon Aug 07, 2017 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: How do you deal with financial anxiety?
Replies: 40
Views: 3305

Re: How do you deal with financial anxiety?

I agree on liquidity. Cash, wine, and a swim in the lake do wonders for anxiety. Also, really really almost completely in index funds now, they don't go up very much and I hope they won't go down very much.

-bb
by blueberry
Mon Aug 07, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 8432

Re: kids think lazy if retire?

I recently retired early with a teenager. It's kind of motivated her to try and plan a future that will allow for early retirement. It might have been hard on her if she was still living with me and saw me sleeping in etc.

-bb
by blueberry
Sat Aug 05, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 6451

Re: Anyone else have trouble spending?

With your income seems like a munchausen problem to me, but thanks for making me appreciate my real problems! And that is true, having some real challenges to solve is a fun puzzle.
by blueberry
Sat Aug 05, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Creating Multiple Streams of Income
Replies: 12
Views: 2202

Re: Creating Multiple Streams of Income

Dog sitting. Enjoyable and I pick and choose my customers based on them and their dog. I'm early retired and this little bit of self-employed earned income allows me to deduct health insurance premiums and put money into a roth. If my portfolio takes a downturn, I can ratchet this income up pretty e...
by blueberry
Mon Jul 31, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 3814

Re: Dinner plates that do not get so hot after microwaving?

I have modern corelle (purchased within the last 5 years), and it gets a bit hot but not too hot to hold on the edges, and I like that it puts a little crisp on. It's also incredibly thin, light, and it stacks unbelievably well (prob 4/1 thickness compared to my fiesta ware). I do believe it would b...
by blueberry
Mon Jul 31, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 66
Views: 5361

Re: Non Stick frying pan

I love my cast iron dutch oven for cooking things in the oven, but stopped using my cast iron frying pan - always worried I'd drop it on my glass top range, and it takes so much longer to heat than stainless steel. Maybe if I had a gas range...
by blueberry
Mon Jul 31, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 66
Views: 5361

Re: Non Stick frying pan

If eggs are the only problem, consider poaching in stainless steel. Need the cheese, sprinkle grated stuff on top while still hot. I like stainless steel, but sure sometimes the pan qualifies as a 'soaker'. Then the scrub out qualifies as a good for me little bit of elbow grease.

-bb
by blueberry
Mon Jul 31, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase Lake House for Primary
Replies: 26
Views: 3196

Re: Should I purchase Lake House for Primary

I bought a lake cabin when my daughter was 15, she's now 20. We've enjoyed it lots, mostly each on our own, nice break for a teen and parent to have 2 spaces. I can see that for people who've raised their kids on the lake the kids are very attached to the lake and love to visit their parents, and ar...
by blueberry
Sat Jul 29, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ready to retire - have I missed anything?
Replies: 24
Views: 4214

Re: Ready to retire - have I missed anything?

While you're still working you might want to set up a HELOC, for emergency quick cash purposes - you'll qualify for a larger amount while you have the larger income.
by blueberry
Sat Jul 29, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 23395

Re: Living Off Dividends

In this case, the OP apparently has a larger taxable account than "needed", such that a 2.5% withdrawal rate exceeds his expenses. All of us should be so fortunate... That may be the case. At 48, we have $1.5M in retirement accounts and adding about $83K per year (Solo 401K, regular 401K, two backd...
by blueberry
Sat Jul 29, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11913

Re: Your "at peace" moments.

If I wake up in the middle of the night, I like to step outside and do some upright yoga stretching while looking at the stars. I keep a pile of gravel in the yard and have a lot of low spots on my property so I fill up the wheelbarrow and spread the gravel. It can be light or heavy exertion, a nice...
by blueberry
Tue Jul 25, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 23395

Re: Living Off Dividends

I'm going to ignore the dividends portion of this topic because I think it is a distraction, and just consider this as a discussion about having cash/mm/cds instead of bonds. I think that is a pretty well accepted approach. I feel comfortable with 5 years in cash/mm/cds, and live off dividends and o...
by blueberry
Sat Jul 15, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3715

Re: What am I missing here? [I'm a bachelor]

I think buying a home vs renting might be best considered as a lifestyle choice rather than financial. If you enjoy a yard, like to garden, have pets, enjoy household projects, love a particular neighborhood, then owning a home can be very gratifying.
by blueberry
Sat Jul 15, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Reduce MAGI
Replies: 8
Views: 1451

Re: Reduce MAGI

Is it a state university, and maybe you have access to deferred compensation?
by blueberry
Thu Jul 13, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7184

Re: Cheap eggs... how bad?

I happily pay extra for free range and/or organic, but consume the whole egg including yolk, and often have eggs for dinner. It's a cheap dinner compared to beef. I really enjoyed a short time when duck eggs were available (for a premium price) from a nearby farm. If I was only eating egg whites, we...
by blueberry
Thu Jul 13, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 3159

Re: Do you pay fees to buy funds or ETFs?

I sometimes do pay a transaction fee when buying and selling etfs. I don't buy or sell that often, so it's noise in the measurement.
by blueberry
Mon Jul 10, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4781

Re: Coyote control

Maybe fence in just a section of the yard if there's some area that's flat. If it's a sore thumb improvement, you can take it down when the kids are older. Also, this might just be a 'bad year'. I reported a bunch of baby deer I saw near a busy street next to a park thinking maybe they'd put up a ba...
by blueberry
Sun Jul 09, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4781

Re: Coyote control

I can only speak about bears having recently heard about this in my neighborhood - if there are complaints about aggressive behavior, they will attempt to catch and relocate the bear. If anyone in the neighborhood is leaving garbage or pet food out, or intentionally feeding the bear, -they won't com...
by blueberry
Sun Jul 09, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 53
Views: 4614

Re: What to wear for job interview - skip the tie?

Tie definitely. My career was spent in a very casual atmosphere (academia related), and we bragged about the casual atmosphere. Nevertheless, when once an interviewee came in with a tie on and the interviewers in t-shirts and shorts, everyone was very impressed. It felt like the interviewee was show...
by blueberry
Sun Jul 09, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: health insurance after retirement?
Replies: 29
Views: 3074

Re: health insurance after retirement?

I retired at 63 and decided to go with ObamaCare rather than Cobra. I was able to keep my reportable income down and qualify for subsidies. Just polling people on here for costs is not very effective, since the cost varies by age, geography, income and whether you are a smoker. Best place for a qui...
by blueberry
Sun Jul 09, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: CIT Bank offering 1.15% savings account and up to $400 bonus
Replies: 9
Views: 1784

Re: CIT Bank offering 1.15% savings account and up to $400 bonus

For those of us with a pre-existing cit savings account at 1.05%, you have to go online to open a new cit savings account in order to upgrade to the 1.15%. It does not happen automatically. They now have an account offering 1.30 on up to 100k, though might lose a bonus from previous promos by movin...
by blueberry
Sat Jun 24, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Where to put a vegie garden
Replies: 13
Views: 1484

Re: Where to put a vegie garden

I'm pretty new to the world of septic systems and find the whole thing a little traumatizing, but have my garden uphill from the drain field and feel good about it.

-bb
by blueberry
Sat Jun 24, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 4018

Re: Liability with dogs, hypothetical

I got the kit today and will send it out Monday. Having Googled some images, she looks most like a Great Dane Boxer mix. I'm curious what the DNA shows, caveats acknowledged. I will report the results. I'm sure you'll be thinking clear on what to report or not depending on the results. Also please ...
by blueberry
Fri Mar 31, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park - where to stay
Replies: 29
Views: 2905

Re: Glacier National Park - where to stay

We're thinking of doing a trip up to Glacier National Park mid-to-late summer. No one in the family has been there, and it doesn't look like there's a major town/city nearby. Any recommendations on where to stay that would be good for 3-4 days in the park? A moderately-priced hotel would be ideal -...
by blueberry
Sat Mar 18, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 28180

Re: Early Retirement - what to do about healthcare?

There are two separate issues, being able to get any insurance and being able to pay for it. Rarely discussed, but individual health insurance had all but disappeared in my state pre ACA, and I'm afraid that could happen again. I guess I'll move to Mexico (pfft pfft) or Canada (brrrr) if that happe...
by blueberry
Sat Mar 18, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 104059

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

When I first filled in the form from my IRA account in the drop down of "choose your reward", the $200 did not show. Then I switched to my brokerage account the $200 did show. I didn't test the waters on what the person transferring in will get, there is some verbiage about them getting re...
by blueberry
Sat Mar 18, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 28180

Re: Early Retirement - what to do about healthcare?

It is an unpredictable situation and at the very least I think warrants waiting on retirement until, if you are covering your kids through your job, your kids have their own health insurance. Keeping your options flexible, such as by having some way to make some earned income, having both taxable an...