Search found 917 matches

by hand
Thu Jan 19, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Am I evaluating rental profitability correctly in terms of depreciation?
Replies: 6
Views: 468

Re: Am I evaluating rental profitability correctly in terms of depreciation?

I'm having a really hard time wrapping my head around Section 8 tenants in a Historic district with an activist historical commission. As it stands now, you are spending money to be the buffer between the historical commission and the long term, terminally ill residents. Is there any way to either a...
by hand
Mon Jan 09, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Desktop PC monitors
Replies: 13
Views: 1150

Re: Desktop PC monitors

Have you considered an ultrawide monitor? Also be aware that a bigger monitor may not be able to display more information if resolution is identical (e.g. 2560 × 1440-pixel resolution). Monitor size decisions are really a function of your eyesight and distance from the monitor (and budget). If you n...
by hand
Thu Jan 05, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: A kitchen timer made in the USA.........
Replies: 22
Views: 1745

Re: A kitchen timer made in the USA.........

I'm a fan of the Thermoworks triple time stick and single time stick, though unclear of manufacturing location.

These are clearly products designed by engineers to work well vs. lots of the junk that is made to meet a price-point and marketing bullet points irrespective of functionality.
by hand
Thu Dec 22, 2016 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 2871

Re: Reliable washer/dryer brands

Just took delivery two weeks ago of matching Speed Queen top-load washer (with agitator) and electric dryer, both with electronic controls guaranteed for five years. Manual controls are guaranteed for three years. Niece bought same set a little over a year ago and loves them. You won't find Speed Q...
by hand
Tue Dec 20, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 50
Views: 4855

Re: Water Heater Install $1,800!

Well called the guy to price match. He basically said you need to compare apples to apples. He installs Bradford White WHs, he could get Rheems but the customer service, warranty, and quality of Bradford Whites are superior to Rheems. After the standard un-educated google search I pretty much found...
by hand
Mon Dec 19, 2016 10:07 am
Forum: Investing - Theory, News & General
Topic: Concept of Bogleheads needing to "Save more"
Replies: 61
Views: 4835

Re: Concept of Bogleheads needing to "Save more"

Hello, Like many other bogleheads, I'm often trying to advise friends and family members to follow this type of investing. That being said, I've noticed something in the commonly stated bogleheads principals and don't fully understand the need for it. To put it simply, why does it constantly need t...
by hand
Fri Dec 16, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 40
Views: 2837

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

Also, would the Peal shoes and cordovan at BB be worth extra cost? I'm a huge fan of shell cordovan as it wears like iron, keeps a shine and requires minimal care and polishing vs. more traditional leather. ~$300 premium for cordovan is likely not "worth it" for many, but for a lifetime p...
by hand
Thu Dec 15, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: If and how to bring up inappropriate conduct of former boss?
Replies: 60
Views: 4493

Re: If and how to bring up inappropriate conduct of former boss?

For 4 years I reported to a director in my mega-corp who over that time acted unprofessionally and also on several occasions made decisions that I thought to be negligent , including threatening to terminate me for insubordination for fixing inaccuracies in software that generated reports that were...
by hand
Thu Dec 15, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 40
Views: 2837

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

Bought 2 pairs of Allen Edmonds shoes for around $200 to $300 each and after wearing them for about 150 days a year for 3 years, both shoes either up with a hole on the bottom of the shoes. Guess it doesn't matter how expensive the shoes are and how long they last if you wear them over 150 days a y...
by hand
Wed Dec 14, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Shopping for a Replacement Roof bc of Hail Damage
Replies: 17
Views: 1318

Re: Shopping for a Replacement Roof bc of Hail Damage

Would folks who upgraded to a metal roof be willing to share some rough guidance on cost vs. shingles and expected benefits for the additional cost?

This is a direction I've considering heading, but would love more information from actual purchasers!
by hand
Thu Dec 08, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: New Tires for Saab 9.3 Sedan
Replies: 16
Views: 1082

Re: New Tires for Saab 9.3 Sedan

I'm not a fan of all seasons - we run summer/winters on all of our cars, but check out the Continental Extremecontact DWS06, the Michelins also have a good reputation. I put Continental DWS' on a 9-3 three years ago and put ~5k miles / year on the car mostly within town (I had some expectation of s...
by hand
Thu Dec 08, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3150

Re: Frying pan recommendations

Any recommendations for a large frying pan? I like the ease of cleaning non-stick ones, but my wife gets concerned about the chemicals used in some of them...and happy wife = happy life Depends what you are planning to use it for: For eggs / fish - go with a commercial non-stick frying pan; these b...
by hand
Thu Dec 08, 2016 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Schwab retirement quote on 4 mil. Advice??? Can I do better?
Replies: 29
Views: 4590

Re: Schwab retirement quote on 4 mil. Advice??? Can I do better?

In one conversation the Schwab person quoted .7% as their annual management "fee". But it was not quoted in the proposal. Is it normal that there are no specifics as to portfolio fund composition and details? Seems normal for a high fee "advisor" whose interests aren't aligned w...
by hand
Mon Nov 21, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Any recommendations on washers and dryers?
Replies: 24
Views: 1320

Re: Any recommendations on washers and dryers?

If you don't mind the hassle / risk of buying used, or just prefer the lower upfront cost, I suspect used basic models from a private party with a good back-story (moving, replaced for fancy new matching etc.) replaced when they die (with all the hassle that entails) are the lowest total cost. After...
by hand
Fri Nov 11, 2016 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Home shopping, Potential roof leaking despite new roof
Replies: 22
Views: 1359

Re: Home shopping, Potential roof leaking despite new roof

At a low enough price the house is likely a good deal so I would push hard since you have nothing to lose. You can also start shopping for a different house in case this one does not work out. This is also a great way to let your realtor know that they've failed in their attempt to get you to accep...
by hand
Fri Nov 11, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Home shopping, Potential roof leaking despite new roof
Replies: 22
Views: 1359

Re: Home shopping, Potential roof leaking despite new roof

All real estate agents work for the seller (the seller pays both agents in typical transactions). People work for the person who forks over the money. You may want to do a little research on this question. http://www.streetdirectory.com/travel_guide/32307/home_improvement/who_does_your_real_estate_...
by hand
Fri Nov 11, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Underwater mortgage on rental: Should I refinance, recast, or do nothing
Replies: 11
Views: 1445

Re: Underwater mortgage on rental: Should I refinance, recast, or do nothing

Good luck with the rent to own; if it works, it can be a great way to simultaneously solve buyer and seller challenges. My understanding is in line with Meg's note above - most rent to own situations fail. While this can be a boon to the owner who has collected extra "rent" until the deal ...
by hand
Fri Nov 11, 2016 8:43 am
Forum: Personal Finance (Not Investing)
Topic: John Hancock discontinues LTC insurance sales
Replies: 45
Views: 4333

Re: John Hancock discontinues LTC insurance sales

Again, my decision not to buy Long Term Care insurance is vindicated. It tells you something when big players like Met Life and John Hancock exit the business. I'm not sure I understand this sentiment... I'd think the holy grail of insurance purchases would be making an insurance bet against an ins...
by hand
Thu Nov 10, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Looking for recommendations on aerobic exercise equip.
Replies: 55
Views: 2484

Re: Looking for recommendations on aerobic exercise equip.

Take a look at Concept 2's offerings... The rowers are top of the line, and as someone with hip / knee issues, I've really enjoyed the SkiErg which gets you aerobic exercise without requiring high impact on your legs. SkiErg motion is unique and the workouts can be unexpectedly intense, so I'd sugge...
by hand
Wed Nov 09, 2016 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth questions
Replies: 5
Views: 394

Re: Backdoor Roth questions

I've heard that "if you anticipate being in a higher tax bracket during retirement then stick with the traditional IRA." I think you have this backwards - if you expect to be in a higher tax bracket during retirement, paying taxes now on a Roth contribution at the lower rate is likely to ...
by hand
Wed Nov 09, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: India to Replace Largest Bank Notes
Replies: 20
Views: 2448

Re: India to Replace Largest Bank Notes

Has something like this happened with US Currency? As far as I know, as long as I can remember Old US bills have continued to be negotiable for the full face value, even if that particular bill style has been replaced by another. I know that something like 100 or so years ago (maybe more) the US cu...
by hand
Tue Nov 08, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Remodeling vs Moving
Replies: 15
Views: 1255

Re: Remodeling vs Moving

Have you priced out alternatives? As a first step, I'd suggest estimating the sale price of your current property, less transaction fees (~7%), plus the $250k you'd likely pay for a remodel, and see if there's anything on the market that comes close to meeting your needs.
by hand
Thu Nov 03, 2016 5:36 am
Forum: Personal Consumer Issues
Topic: What's the easiest/cheapest way to get a second phone number?
Replies: 34
Views: 2028

Re: What's the easiest/cheapest way to get a second phone number?

Here's the deal. My wife and I recently relocated and didn't bother to set up a landline at our new home because we basically only use cell phones and internet. However my wife is a physician and would like to be able to return phone calls to patients from home without them being able to see her pe...
by hand
Tue Nov 01, 2016 8:34 am
Forum: Personal Finance (Not Investing)
Topic: I am about to buy my first home, anything I should look out for?
Replies: 40
Views: 3527

Re: I am about to buy my first home, anything I should look out for?

We had the inspection and it being an older house it did turn up a bunch of stuff. We are not going to ask for petty stuff like strike plates needing fixing, some flashing is missing and other small things like a loose faucet and a loose closet hinge, but we want to ask for stuff like the attic ins...
by hand
Mon Oct 31, 2016 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Buying 50% of parents' house in a divorce
Replies: 19
Views: 2779

Re: Buying 50% of parents' house in a divorce

My parents are in their 60s and own their house which I grew up in. It is fully paid off and is worth ~$450k. This is their primary asset - in addition they have some modest savings (~50-75k) but no other investments, retirement accounts, or valuable cars/jewelry. Father is retired on social securi...
by hand
Wed Oct 26, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Hard money loan on as part of a residential real estate deal
Replies: 18
Views: 1261

Re: Hard money loan on as part of a residential real estate deal

15% interest offered to hard money lenders is a neon sign that smart money lenders (banks etc.) see a significant risk of default in this deal. If I had several million dollars I was willing to invest across scores of these types of deals to spread the risk, I might consider this (even though the ba...
by hand
Wed Oct 26, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Dream house sold yesterday :(
Replies: 41
Views: 6970

Re: Dream house sold yesterday :(

It doesn't sound like your agent has your best interests at heart. I can't understand why your agent wouldn't have you get your financials / paperwork in order before you started looking so you were prepared to offer immediately if a deal came up. Steering you away from offering on a property withou...
by hand
Fri Oct 21, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage lender
Replies: 24
Views: 1489

Re: Choosing a mortgage lender

A lot of the big companies have started to become one stop shops. The Brokerage I work for also has a mortgage arm and a closing company. I've never used either one. I give anyone asking a list of 5 good loan officers that I have had good luck with.They're of course free to use anyone they want. Th...
by hand
Fri Oct 21, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: Finishing a Basement
Replies: 13
Views: 1478

Re: Finishing a Basement

This is a question that is near & dear to my heart as I'm headed down a very similar path, though with the added complexities of starting with a poorly finished / unusable basement & water issues, but the benefit of slightly more advanced DIY skills. My recommendation is to spend some time r...
by hand
Fri Oct 21, 2016 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage lender
Replies: 24
Views: 1489

Re: Choosing a mortgage lender

Agree completely with batpot above who stressed the importance of a lender who will close on time for a purchase. Often this is a local lender who may charge a slight premium for improved service levels. While your realtor is likely right to steer you towards a high quality lender who won't put clos...
by hand
Tue Oct 18, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Work advice - managing an underfunded program
Replies: 28
Views: 1625

Re: Work advice - managing an underfunded program

Consider that there may be a difference between "telling" your manager and formally documenting the issue... While there is a bit of an art to formally documenting in a non-confrontational manner, it can be done. A diligent manager of mowing could be reasonably be expected to track number ...
by hand
Mon Oct 17, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: How should I buy my first house?
Replies: 17
Views: 1458

Re: How should I buy my first house?

May I ask why you want to go straight from living with your parents your whole life to being the owner of residential real estate? Seems like an unusual choice at your stage in life given the totality of the circumstances. Few reasons.. I'm looking to get married soon and also looking to move a bit...
by hand
Mon Oct 17, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: How should I buy my first house?
Replies: 17
Views: 1458

Re: How should I buy my first house?

It sure seems like renting a place for a while until you get married, then buying with your spouses input would make sense... This would save you substantial transaction fees to buy / sell / buy again when you find that 1) your spouse doesn't like the home you purchased, or 2) you become more sophi...
by hand
Mon Oct 17, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: How should I buy my first house?
Replies: 17
Views: 1458

Re: How should I buy my first house?

It sure seems like renting a place for a while until you get married, then buying with your spouses input would make sense... This would save you substantial transaction fees to buy / sell / buy again when you find that 1) your spouse doesn't like the home you purchased, or 2) you become more sophis...
by hand
Fri Oct 07, 2016 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Real estate deal fell through, repurchase VG fund or pay down mortgage?
Replies: 7
Views: 530

Re: Real estate deal fell through, repurchase VG fund or pay down mortgage?

How long ago did you sell the stocks? If less than 30 days, can you use the wash sale rules to your advantage and repurchase to undo the tax hit?
by hand
Thu Oct 06, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: The 3 D's: Debt, Dave, Depression (mild)
Replies: 45
Views: 4356

Re: The 3 D's: Debt, Dave, Depression (mild)

Thanks everybody - sounds like I'm not too out of line. Its just hard that I have this knee jerk reaction to drain everything I have and pay off debt. I have 3 months emergency fund that I really don't want to touch, and $500/mo that I could allocate into a school fund, or even towards paying back ...
by hand
Wed Oct 05, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: Odd question regarding vehicle negotiations
Replies: 17
Views: 1702

Re: Odd question regarding vehicle negotiations

smackboy1 wrote:Then in OP's case there is bro' law, which is entirely a different thing...



Great point, and great line!
Given OP AussieDad may not reside in the US, we should probably also give at least a head-nod to a third option - local jurisdiction law which may be different...
by hand
Wed Oct 05, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Which one to do first, a Refinance or Remodel?
Replies: 10
Views: 777

Re: Which one to do first, a Refinance or Remodel?

Renovating will always be an option if you have the cash, but there is no promise that a refinance at today's rates (or at any rates) will be available in the future. Refinance first.

If you do refinance, then remodel, if rates have dropped further, you can always refinance again!
by hand
Wed Oct 05, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: Odd question regarding vehicle negotiations
Replies: 17
Views: 1702

Re: Odd question regarding vehicle negotiations

An offer for a car can reasonably be understood to be for a certain amount of money at a set point in time. It is unreasonable to expect your offer to be good forever, especially after your friend declined by counteroffering. I would not hesitate to tell your friend that life has moved on and offer ...
by hand
Wed Oct 05, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Deciding not to refi... Have I missed something?
Replies: 20
Views: 1746

Re: Deciding not to refi... Have I missed something?

Have you considered a home equity loan or line of credit instead of a mortgage? These are typically available at low / no fee which can dramatically improve the payback math. As an alternate, there should be "no fee" mortgages where you pay a higher rate than market in exchange for someone...
by hand
Tue Oct 04, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: help starting fresh from years of financial disaster
Replies: 24
Views: 2923

Re: help starting fresh from years of financial disaster

If you have creditors calling, consider negotiating a settlement and paying off those debts at a discount. At your current pay rate, probably cheaper to hire someone to do it for you, but beware there are lots of scammers who prey on the indebted. Regarding student loans, I agree with others to &quo...
by hand
Tue Oct 04, 2016 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Should I stop making IRA contributions
Replies: 14
Views: 1547

Re: Should I stop making IRA contributions

Isn't the pay-out from a deferred comp plan essentially a lumpier minimum required distribution (deferred comp is paid out over X years rather than the remainder of your life?) If so, wouldn't a deferred comp plan make the distribution "problem" and taxes worse during the payout period? I'...
by hand
Thu Sep 29, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: "Boglehead path" derailed
Replies: 35
Views: 8171

Re: "Boglehead path" derailed

I really don't know how to cut costs other than to downgrade to a studio apartment in a not as good neighborhood which I'm reluctant to do because it would involve a host of tradeoffs, such as my husband's commute time. It's strange that in this neighborhood the cost difference between a studio and...
by hand
Tue Sep 27, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast incorrectly told us there was an internet line - now what? - solved
Replies: 47
Views: 3278

Re: Comcast incorrectly told us there was an internet line - now what?

I'd be hopping mad too, but recognize that Comcast "told" you that internet was available and in all likelihood they didn't "commit" in any legal way that internet was or would be available. Certainty try the squeaky wheel approach, but I would suggest adding a spoonful of sugar ...
by hand
Wed Sep 21, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: Help! How get our lost baggage back in Munich
Replies: 9
Views: 946

Re: Help! How get our lost baggage back in Munich

The airline or your credit card may have some sort of benefit for lost luggage...

Perhaps a couple hundred dollars of new clothes will allow you to get on with your vacation (and look more like a local).

Good luck!
by hand
Tue Sep 20, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Prepay Mortgage: Does the length of time you live in the home matter?
Replies: 29
Views: 2852

Re: Prepay Mortgage: Does the length of time you live in the home matter?

The math here is relatively straightforward - Expected Value (~average outcome) of borrowing at 3.25% and investing over 30 years is positive with reasonable assumption of long term returns >3% nominal. Individual outcomes obviously vary, and there is a cash flow penalty to borrowing with the associ...
by hand
Thu Sep 15, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Figuring out a price to offer on a house...
Replies: 39
Views: 3427

Re: Figuring out a price to offer on a house...

Should the property I am looking at be in the neighborhood of $460-480 like the others or should it be higher or lower? If I went strictly by price per sq ft by what has been sold, the home I am looking at it way off in price. My realtor suggested starting off at $475. I'm thinking $450 would be mo...
by hand
Thu Sep 15, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Figuring out a price to offer on a house...
Replies: 39
Views: 3427

Re: Figuring out a price to offer on a house...

The realtor explained that since this was the first home bought in the development, the price on the deed says $450 but when it was all said and done, it was actually $490, that's what I was told today when we saw the house. Price purchased is somewhat irrelevant. Just means how much of a bath one ...
by hand
Tue Sep 13, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 4422

Re: Best Flashlight to keep in home for emergency

1) Older 2D cell Maglights with moderate brightness LED replacement bulbs which I expect to last days / weeks with medium usage Which conversion kit did you buy for this? I have a few old four-cell ones... Thanks! I chose the "Dorcy 41-1643 30 Lumen 3 Volt LED Replacement Bulb" for about ...

Go to advanced search