Search found 625 matches

by squirm
Wed Jan 18, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 236
Views: 19149

Re: How much is your cell phone bill?

$70/month for two lines via Cricket. We don't take phone calls serious, but will usually always have my phone with me in case family members call.
by squirm
Wed Jan 18, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Wood burning stoves - do you leave home with it burning?
Replies: 13
Views: 1564

Wood burning stoves - do you leave home with it burning?

As I was growing up we heated our house mainly with a wood burning stove. I don't recall the make of it. Nevertheless the stove threw out a lot of heat, it was a insert for the old drafty fireplace...it didn't have an ash tray though. We have a Jotul wood stove at our house and I love that stove. It...
by squirm
Tue Jan 17, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 59
Views: 2839

Re: Basic question on Hybrid cars

If you want a hybrid, go for the Accord, Honda really nailed it.
by squirm
Sat Jan 14, 2017 12:13 am
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 42
Views: 3501

Re: Selling Car - Private Sale vs CarMax vs Dealer

In my younger days I used to sell my cars by private, but not now. I certainly don't want any weirdos coming to my house and frankly it's just not worth the hassle and risk dealing with strange people, there's enough of them at work. My preference is Carmax.
by squirm
Fri Jan 13, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9066

Re: How much do you typically spend in a restaurant?

We just came from Hawaii and wife and I are always amazed when we're eat out. One family of five next to us had each kid order their own entree and drink. The parents each had their entree and booze drink. When they were done each plate and drink was half or more full. What a waste and a waste of mo...
by squirm
Fri Jan 13, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9066

Re: How much do you typically spend in a restaurant?

My wife and I find it disgusting when we see other people gorging out on food, esp women. We always share an one entree and one salad. We'll usually just exchange plates when half way done. She'll get the rest of the salad and I get the rest of the entree. We don't drink booze either, so no ridiculo...
by squirm
Sun Dec 25, 2016 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 8296

Re: Bought a house for 560k in 2007

Anybody notice this was a 10 year interest only loan taken out in 2007. To me it looks like he will face foreclosure in 2017 if he cannot pay off the loan in a very short period of time. Should sell quickly - frankly should already have sold as he is facing a possible distress sale in about a maxim...
by squirm
Sat Dec 24, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 8296

Re: Bought a house for 560k in 2007

I believe it's still ongoing:

https://www.harp.gov/
by squirm
Sat Dec 24, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 8296

Re: Bought a house for 560k in 2007

Is this in CA? You might get a HARP on it.
by squirm
Sat Dec 24, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buying ten acre raw land, rumor has it there's human remains on it
Replies: 5
Views: 686

Re: Buying ten acre raw land, rumor has it there's human remains on it

If true, it's my understanding it was never a crime scene, then again you never know...I did find out that, that camper that I wrote about, apparently has been there for 30 years.

The neighbors are all nice and it's a nice piece of property.
by squirm
Sat Dec 24, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buying ten acre raw land, rumor has it there's human remains on it
Replies: 5
Views: 686

Buying ten acre raw land, rumor has it there's human remains on it

Going back to my previous thread regarding the ten acre lot, not only is there an abandoned trailer on it (no biggie, I decided I'll cut it up and haul it out), however one of the neighbors said that her son found a human head in a plastic bag a few years ago. I respect this neighbor, she's not a da...
by squirm
Thu Dec 22, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Getting loan to buy property, but also want to buy rental house
Replies: 6
Views: 637

Re: Getting loan to buy property, but also want to buy rental house

So it looks like we're going to be signing the purchase agreement. Most lenders are asking for at least 30 days to close for a heloc. In the meantime I can put the $60k on a margin account with a broker account I have. Anyone else have any other ideas to fill the gap? Could I use one or two 0% charg...
by squirm
Thu Dec 22, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to Drop Wells Fargo for Online Banking
Replies: 48
Views: 2648

Re: Looking to Drop Wells Fargo for Online Banking

I think I've used one non WF atm in my 30 years of having WF. Their atms are everywhere, in addition I'm finding myself using the atms less and less since everyone accepts credit cards now.

Btw, I only do credit, no debit, no way.
by squirm
Thu Dec 22, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Getting loan to buy property, but also want to buy rental house
Replies: 6
Views: 637

Re: Getting loan to buy property, but also want to buy rental house

Hello, I haven't shopped for a mortgage yet, I'm only in the early stages of considering a rental purchase. That could be a year from now, or maybe not. What I'm seeing in the area where I want to purchase a rental is prices are being cut and that was before the recent rise in rates. I'm expecting m...
by squirm
Thu Dec 22, 2016 1:31 am
Forum: Personal Finance (Not Investing)
Topic: Getting loan to buy property, but also want to buy rental house
Replies: 6
Views: 637

Getting loan to buy property, but also want to buy rental house

Sorry about the subject line, I always try and make them short and descriptive but this time didn't seem to work very well. Here's is what's going on. We're on the verge of buying some raw land near our house. We agreed on $125k. It's an all cash offer, but I'd like to take a HELOC or Home Equity lo...
by squirm
Tue Dec 20, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Grocery cart rolls into side of car, dent, scratched
Replies: 92
Views: 6525

Re: Grccery cart rolls into side of car, dent, scratched

If you're new to driving this is the cost of owning and operating a car. Dents, wrecks, and dealing with people who lie and/or run from their responsibilities is part of the privilege. It's a sad truth.
by squirm
Sun Dec 18, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: advice where to get a home equity loan
Replies: 3
Views: 326

advice where to get a home equity loan

Will be purchasing some property and don't want to use too much of our savings/investments etc...would like to take out about $50 or $75k of equity to take advantage of taxes, and use the rest out of savings and some investment. Question, where is the best place to get a line of credit? I have a mor...
by squirm
Mon Dec 12, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Taking on a 5/5 ARM in this environment?
Replies: 27
Views: 2105

Re: Taking on a 5/5 ARM in this environment?

I like fixed rates knowing exactly what I'll be paying. With the ten year at near record lows, why not fix it? I guess rates could go lower, then again so could home prices. If rates shot and the fed Is able to normalize I'm sure you'd be glad you're in a fixed. Watch fiscal policy too.
by squirm
Fri Dec 09, 2016 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: What Can One Do To Decrease Dividend Taxes?
Replies: 27
Views: 3007

Re: What Can One Do To Decrease Dividend Taxes?

This is my strategy :sharebeer Put muni bond funds in your taxable accounts and dividend-paying stocks in tax-advantaged. The OP is in California, which makes this a particularly good strategy, as CA muni bonds are exempt from CA as well as federal tax. My preferred muni strategy, if all your bonds...
by squirm
Fri Dec 09, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: What Can One Do To Decrease Dividend Taxes?
Replies: 27
Views: 3007

Re: What Can One Do To Decrease Dividend Taxes?

The problem with buying stocks that don't post dividends is in times like this you'll miss out on appreciation. I've never seen a time like this where all I ever hear about is buying divided stocks. They're like the Janus momo stocks back in the late 90's. I'd stay in them.
by squirm
Fri Dec 09, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Physician went out of network. Now I have a bill to pay. What to do
Replies: 94
Views: 6217

Re: Physician went out of network. Now I have a bill to pay. What to do

I went with the ppo route, what a pain dealing with insurance. Went back to a hmo with no deductable.
by squirm
Thu Dec 08, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 7687

Re: Current Market rally

The ol' market saying is the higher it climbs the harder it falls.
by squirm
Thu Dec 08, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 7687

Re: Current Market rally

Anyone's guess but I hear more market talk at work that's bearish. But that's a contrarian indicator! There must be more room for the bull to run. It's when everyone is bragging about their super stock picks that you need to run for cover. :D It's starting to remind me of the year 2k bubble. We'll ...
by squirm
Thu Dec 08, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: how do you comp raw land?
Replies: 18
Views: 1464

Re: how do you comp raw land?

Yes, thank you, it's in Ca, I'm worried about prescriptive easement.
by squirm
Thu Dec 08, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 7687

Re: Current Market rally

Anyone's guess but I hear more market talk at work that's bearish. All bull markets come to an end.
by squirm
Thu Dec 08, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: how do you comp raw land?
Replies: 18
Views: 1464

Re: how do you comp raw land?

I'm going to inquire a perc test, I don't think it costs much. Everyone there is on septic, so I don't expect problems. About five acres is unusable, it's steep and rough terrain, the other five is good. Here's an issue. The neighbor has some animal pins (4h) located on the land next to his with ani...
by squirm
Thu Dec 08, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: how do you comp raw land?
Replies: 18
Views: 1464

Re: how do you comp raw land?

MikeZ wrote:What due diligence have you done to make sure you can build on the land?

I've asked the county planning. It's dividable too.
by squirm
Thu Dec 08, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

Talked to a friend who is also a fire chief, showed him pictures, he didn't think it's a meth joint, suggested having it moved contingent on sale.
by squirm
Wed Dec 07, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

How confident are you that you would recognize a meth lab if it had been used as one? Not confident at all, never touched drugs, don't even know what they look like. Only seen what I know about meth on PBS. Then again, why else would there be a trailer in the middle of nowhere. Gut tells me somethi...
by squirm
Wed Dec 07, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

How confident are you that you would recognize a meth lab if it had been used as one? Not confident at all, never touched drugs, don't even know what they look like. Only seen what I know about meth on PBS. Then again, why else would there be a trailer in the middle of nowhere. Gut tells me somethi...
by squirm
Wed Dec 07, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

Maybe a meth lab of some sort. Since this is probably an unincorporated area, maybe you could get a sheriff's deputy to swing by and give you some advice about whether it might have been a meth lab and how to dispose of it if it is not a meth lab. If it was a meth lab, disposal will be expensive an...
by squirm
Wed Dec 07, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

ResearchMed wrote:If the area has been used for target practice, I'd be *very* careful.

Whoever was doing that is presumably not accustomed to expecting other people there.

RM


I think it was the neighbors. Gun fire is very common where we are. Annoying at times too.
by squirm
Wed Dec 07, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

retiredjg wrote:So it appears you are talking about a travel trailer, not a mobile home. Could it be dragged onto a roll back tow truck and taken to the dump?

I believe so. That's what I was thinking too.
by squirm
Wed Dec 07, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: how do you comp raw land?
Replies: 18
Views: 1464

Re: how do you comp raw land?

Comps are the best way. If it were tillable land you could value it based on rental rates, but that won't work for wooded land. The other way is to determine what a house on a 10 acre lot is worth then back out the costs to build the improvements, but this is a rarely used method because houses rar...
by squirm
Wed Dec 07, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: how do you comp raw land?
Replies: 18
Views: 1464

Re: how do you comp raw land?

There's ten acres next to me that I'm considering purchasing. Half of it is densly wooded, highly sloped and has never been touched. The other half, adjacent to the road is more subtle, and open. Honestly I think the agent is wag'ing on the price. The are very few similar comps. I figure if I want ...
by squirm
Wed Dec 07, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

Not sure what you should do, but you need to be sure that abandoned trailer is not a hazmat site (meth lab, etc.) before doing anything. +100. Could be sign of past industrial activity, dumping, etc. Definitely research further. Maybe a meth lab of some sort. I'd have to say someone was living ther...
by squirm
Wed Dec 07, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

Make a reasonable offer contingent upon the seller completely removing the trailer from the premises prior to closing. A small demolition company could probably make it go away for $2,500 depending where you are. If there is a septic tank in-ground, have it filled with concrete or sand to prevent f...
by squirm
Wed Dec 07, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

CABob wrote:Is or has the trailer ever been licensed? If there is an indication that it has I would think one should clear it through the Motor Vehicles Dept. Do trailers have VIN's?

There's nothing on the trailer, no license or anything.
by squirm
Wed Dec 07, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

If there are electric lines then do not assume that they are dead even if the power is turned off. They could be turned off at the meter but the line coming in from the street could still be live and dangerous. It sounds unlikely but there could even be buried electric lines. If it is a trailer and...
by squirm
Wed Dec 07, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

I want to buy a ten acre lot, it's wooded but has a old abandoned trailer on the lot, pretty much in the center. What should I do? are there any bodies buried on the property? :D This thread absolutely requires a picture. I looked around and didn't see any bodies. There was a tibia bone, a patella ...
by squirm
Tue Dec 06, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Spouses and spending styles...
Replies: 53
Views: 5619

Re: Spouses and spending styles...

I'll spend on vacations. Those are experiences you'll remember. We only live once, enjoy the time with your spouse/Family.
by squirm
Tue Dec 06, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: how do you comp raw land?
Replies: 18
Views: 1464

how do you comp raw land?

There's ten acres next to me that I'm considering purchasing. Half of it is densly wooded, highly sloped and has never been touched. The other half, adjacent to the road is more subtle, and open. Honestly I think the agent is wag'ing on the price. The are very few similar comps. I figure if I want t...
by squirm
Tue Dec 06, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

Re: want to buy property, abandoned trailer on it

Sorry, wasn't more detailed, writing from phone.
No, nobody is living there. The trailer is in very bad shape.
by squirm
Tue Dec 06, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2655

want to buy property, abandoned trailer on it

I want to buy a ten acre lot, it's wooded but has a old abandoned trailer on the lot, pretty much in the center. What should I do?
by squirm
Mon Dec 05, 2016 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: where to get mortgage for investment rental?
Replies: 2
Views: 485

where to get mortgage for investment rental?

Anyone know of a lender with competitive rated for investment properties?
by squirm
Fri Dec 02, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: Anything new about how to buy a new car I should know?
Replies: 14
Views: 770

Re: Anything new about how to buy a new car I should know?

My advice, don't be in a rush, take your time, always sleep on it.
by squirm
Fri Dec 02, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Rock hit car windshield, where to repair?
Replies: 23
Views: 1786

Re: Rock hit car windshield, where to repair?

jf89 wrote:My insurance covered it as a non-claim event for one time only (they told me the second time within a year or two would count as a real claim). Worth a shot to give them a call to ask then go with who they recommend.

Interesting, didn't even know I could do that. Thanks!
by squirm
Fri Dec 02, 2016 1:12 am
Forum: Personal Consumer Issues
Topic: How to Remove a Broken Screw from Mailbox?
Replies: 19
Views: 1132

Re: How to Remove a Broken Screw from Mailbox?

Just drill it out.
by squirm
Fri Dec 02, 2016 1:11 am
Forum: Personal Consumer Issues
Topic: Rock hit car windshield, where to repair?
Replies: 23
Views: 1786

Re: Rock hit car windshield, where to repair?

No, I didn't get the trucking firm. These trucks blaze by at 80mph. I found someone that wants to look at it, thinks he can repair it. I'd rather do that. If I replace the windshield, the very next day, another rock will fly up and crack it. By repairing it, I avoid that because Murphy's law happens...

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