Search found 151 matches

by themesrob
Thu May 10, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5329

Re: What's the view on dogs running free?

It seems like some responders do not love dogs... No, some of us don't. I wish more dog owners would understand and respect this. To me, a dog is at best an annoyance and at worst a danger. As a dog owner for decades, I consider it my obligation to me, my dog, and the people and animals around me t...
by themesrob
Thu Apr 12, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Best Rating sites for TVs
Replies: 22
Views: 1560

Re: Best Rating sites for TVs

CNET is usually my go-to
by themesrob
Thu Apr 12, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Help me choose a top law school!
Replies: 65
Views: 5937

Re: Help me choose a top law school!

Congratulations on some great choices! HLS is the obvious choice if you get in off the waitlist (good luck). I was in a similar boat as you -- I was choosing between UVA with a big scholarship, NYU with a medium scholarship, and Columbia with no $$. I wanted to be in NYC longterm, so I went with NYU...
by themesrob
Mon Apr 09, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Home inspection/negotiation question
Replies: 20
Views: 895

Re: Home inspection/negotiation question

Yes, the sellers will do the cheapest, minimal job for any repairs. On the other hand, the sellers may have considered the relatively low price they agreed to in the sale as covering some of this, and figure if they do the rework, they might get more by going back on the market. If you want to clos...
by themesrob
Mon Apr 09, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Home inspection/negotiation question
Replies: 20
Views: 895

Re: Home inspection/negotiation question

Never plan to game the negotiation. Many moons, ago, we were in same boat, but went to purchase the home, with the known inspection findings, we are happy. Also I am hearing that in VHCOL, areas, the buyers are waiving the inspection clause !!! We are definitely not trying to "game the negotiation....
by themesrob
Mon Apr 09, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Home inspection/negotiation question
Replies: 20
Views: 895

Home inspection/negotiation question

My wife and I are preparing to move from the VHCOL city we live in now to the relatively LCOL area she grew up in. We are putative first-time homebuyers, but we are fortunate in that her family is tied into the area, and know quite a few top-notch contractors/roofers personally, so we have a lot of ...
by themesrob
Fri Apr 06, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4632

Re: Tequila and Magaritas

I would agree with others above, you want to absolutely avoid Sauza or Jose Cuervo Especial -- the super-cheap mixto stuff, even in a margarita, (1) tastes awful and (2) gives way worse hangovers (apparently due to using cheap sugars in the production process, which on top of the sugar in a margarit...
by themesrob
Mon Mar 19, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 5602

Re: Amazon Prime Going Sideways/Weird Shipment Problems

In our area of NYC, Prime deliveries are almost always reliably on time. We are fortunate that most of ours are handled by USPS, as opposed to Lasership (seemingly unreliable, but they will show up at 10 pm if they have to) or UPS (the absolute worst). I think reliability of the services is entirely...
by themesrob
Tue Mar 13, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Tax impact on selling ETFs in taxable account
Replies: 16
Views: 1154

Re: Tax impact on selling ETFs in taxable account

The cost basis is about 200,000 with long term capital gains of about 70,000. Am I correct that I could liquidate the entire 270,000, and it would only be capital gains taxes...Since I'm in the 12% tax bracket, I think the capital gains would be $0 Don't forget that the $70,000 is income (and thus ...
by themesrob
Tue Feb 27, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Best way to find short term/vacation renters for NYC apartment
Replies: 9
Views: 659

Re: Best way to find short term/vacation renters for NYC apartment

Pajamas wrote: ↑
Mon Feb 26, 2018 3:47 pm
Renters get evicted, ESPECIALLY if they have rent-regulated or -stabilized leases.
Fixed that for ya :wink:
by themesrob
Wed Feb 07, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Taxes for Surgical Resident
Replies: 78
Views: 3902

Re: NYC Taxes for Surgical Resident

this would not be a situation where I would try and play games with the NYS Tax Department. personally, I would not play games with any areas of the law here on this. For example, with respect to your driver's license, the rule is that if you live in "a house, a home, an apartment, a room or other s...
by themesrob
Mon Feb 05, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15692

Re: Vanguard site is crashed now?

Ladies and gentlemen who couldn't reach Vanguard: Were we market timing? Shame! :mrgreen: Exactly! Why would you need to do something today in the down market unless you are a MARKET TIMER? That is NOT "staying the course". I think some people on this site really do not buy into the philosophy. Tha...
by themesrob
Mon Feb 05, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15692

Re: Vanguard site is crashed now?

I wasn't planning on doing any trading today, but I find it utterly incomprehensible that some folks would make light of an entire platform going down and people being unable to place orders. That's not acceptable on any day. But sure, lolz panic trading
by themesrob
Mon Feb 05, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15692

Re: Vanguard site is crashed now?

I can't get on either. I'd gladly give back 0.01% in expense ratio to ensure that this doesn't happen. Not that big a deal, but doesn't inspire confidence. And I'm the biggest VG fanboy I know. same. it's kind of a big deal for all points of access to your trading platform to go down, regardless of...
by themesrob
Mon Feb 05, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15692

Re: Vanguard site is crashed now?

yeah, website and app are both down.
by themesrob
Wed Jan 24, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Have you ever found an error on your amazon bill?
Replies: 20
Views: 1742

Re: Have you ever found an error on your amazon bill?

I've been able to track and match fairly well, using the Amazon order history on one browser tab and my account statement on the other. The only time I've found discrepancies, they've been in my favor, and I later figured out they were due to times when I pre-ordered a book at X price, and in betwee...
by themesrob
Mon Jan 22, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Gift and estate tax questions
Replies: 4
Views: 564

Re: Gift and estate tax questions

1. I think the answer would depend on the circumstances of the change. It's quite possible that any overage would be added to the value of the estate at the end of gifter's life, and be subject to taxation (even though it was distributed x years earlier). 2. Yes, the gifter's estate would then be en...
by themesrob
Thu Jan 18, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 4016

Re: How do you adjust side mirrors in a car?

My high school driving instructor bashed it into my skull in 1985 that I should always do a head check before changing lanes. I still do. So the mirrors are nice, but not required. I agree with the head check, no matter how mirrors are adjusted. +1. Especially on a multilane highway, regardless of ...
by themesrob
Fri Jan 12, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market and savings rate increases
Replies: 8
Views: 1929

Re: Capital One 360 Money Market and savings rate increases

confirmed, mine went from 1.3% to 1.4% overnight as well.
by themesrob
Fri Jan 12, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8960

Re: Credit card keeps getting hacked, even when unused! (4x now!)

whenever I hear stories about credit card numbers being stolen in seemingly impossible scenarios, I think about this episode of This American Life (the Prologue and Act One portions): https://www.thisamericanlife.org/587/th ... f-intimacy
by themesrob
Thu Jan 11, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8882

Re: Kodakcoin

"Utilising blockchain technology, the KodakOne platform will create an encrypted, digital ledger of rights ownership for photographers to register both new and archive work that they can then license within the platform ," Kodak explained. I am amazed at how much mis-information there is in this th...
by themesrob
Tue Jan 09, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 1004

Re: Advice sought: can/should we pay for a bigger rental place?

Pretty sure this is not a forum for criticizing other people's handling of their pets. And if I had a dollar for every nut in my building who's complained about kids playing with a ball on the sidewalk or a dog wagging its tail at him, I wouldn't be on bogleheads. OP - sounds like the right move, an...
by themesrob
Tue Jan 09, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 68
Views: 5956

Re: State Farm vs Geico

I have used State Farm for renter's insurance and a related rider policy for several years. I've found them very easy to deal with, especially compared to Progressive (who handled a claim very well, but was basically impossible to deal with when I wanted to change certain aspects of the policy). I ...
by themesrob
Tue Jan 09, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4612

Re: Men's no iron dress shirt recommendations

BB on sale (should be able to secure them for $50 or less), or Charles Tyrwhitt. Watch out for BB outlet wear, though, as it's not the same quality (often similar-looking but different product lines), and will not last nearly as well.
by themesrob
Tue Jan 09, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 68
Views: 5956

Re: State Farm vs Geico

I have used State Farm for renter's insurance and a related rider policy for several years. I've found them very easy to deal with, especially compared to Progressive (who handled a claim very well, but was basically impossible to deal with when I wanted to change certain aspects of the policy). I a...
by themesrob
Thu Jan 04, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 147
Views: 10446

Re: What non fiction book will you be reading in 2018?

Black Dog of Fate by Peter Balakian. 10th anniversary edition. A memoir of the Armenian past. Incredible family story of horror and genocide by Turkey that has never been fully understood by most people. A great book. If you're interested in another (or for those interested in unfamiliar aspects of...
by themesrob
Thu Jan 04, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card with Good Bonus for Car Rentals?
Replies: 9
Views: 464

Re: Credit Card with Good Bonus for Car Rentals?

Chase Sapphire Reserve. Use it to pay for the rental and get 3x UR on the cost, or use UR to pay for the rental via the portal. Either way you get the Visa primary insurance coverage. AFAIK, the Capital One cards may appear to earn substantial miles, but the "Venture miles" redemptions are highly in...
by themesrob
Wed Dec 27, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 59
Views: 5043

Re: Diamonds are forever.

leaving aside the finance issue -- shopping online was my preference since I'm a terrible haggler, and the value was much better. BlueNile was a good place to start, but my experience was that there were a few other stores which had better data and tools to search, save, and compare options. Enchant...
by themesrob
Wed Dec 27, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Paying off Mortgage as a Gift
Replies: 11
Views: 1263

Re: Paying off Mortgage as a Gift

As you point out, if he is over the annual exclusion it just eats into his lifetime exclusion of $5.5 million per individual. He's probably not too concerned that he'll give in excess of $11 million to his parents, $22 million if he's married, and $33 million if you include his sister. just to be c...
by themesrob
Wed Dec 27, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Estate Tax and early gifting inheritance question
Replies: 3
Views: 289

Re: Estate Tax and early gifting inheritance question

As far as I know, she can transmit the money to them any (legal) way she sees fit. However, in addition to keeping a record of it, gifts above the annual exclusion must be reported on Form 709.
by themesrob
Fri Dec 22, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Anybody been to Dubrovnik? March 25-30, 2018?
Replies: 13
Views: 1187

Re: Anybody been to Dubrovnik? March 25-30, 2018?

Really amazing city, though as others have mentioned it can get choked with tourists. Buying a ticket and doing the walk around the city walls is a must. If you're up for a steep hike, walking up the Mt. Srd trail to the Fort Imperijal gives some amazing views as well, and the Fort has a war museum ...
by themesrob
Thu Dec 21, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 56155

Re: Tax Bill Omnibus Thread

I don't know if it's been said above (didn't read all 412 posts) but the thing I find most interesting about the new tax plan is that few people will itemize. A $24,000 standard deduction is huge. It takes a lot of donations + taxes + interest in order to justify itemizing. The takeaway on that is ...
by themesrob
Thu Dec 14, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2017
Replies: 15
Views: 2151

Re: Best albums of 2017

Chris Stapleton - From A Room Vol 1 (and Vol 2)
Jason Isbell - The Nashville Sound
by themesrob
Wed Dec 13, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 52
Views: 3918

Re: NYC restaurant suggestion

cannibalizing from my previous suggestions in another thread for your purposes, but divided by categories and limited to near-ish to you in Manhattan (don't go to the Upper East Side, for goodness sake, you'll be stuck there with nothing to do after dinner): - there are a lot of new American/Italian...
by themesrob
Fri Nov 10, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Inactive accounts closed?
Replies: 30
Views: 2592

Re: Inactive accounts closed?

I've just had Bank of America try and close two old cards I have with them. That's the only bank that has ever tried that on me. It was after three years of inactivity. They sent me emails in advance, though, saying that each card would be closed unless I used it in the next 30 days. (I just keep th...
by themesrob
Tue Nov 07, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 37
Views: 3437

Re: Which heart rate monitor is the most accurate?

for me, the Charge HR2 has been very accurate. Matches up precisely with any monitors attached to exercise equipment, and within 2-3 beats the last time I was at the doctor's office. YMMV
by themesrob
Tue Oct 31, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: iPhone Voicemail Transcription No Longer Working w IOS11
Replies: 18
Views: 1833

Re: iPhone Voicemail Transcription No Longer Working w IOS11

I had the same problem after updating (iphone 6s with Verizon). I was able to fix it by doing two things: - reset network settings (you will have to re-enter any wifi passwords afterwards) - https://www.howtogeek.com/270185/how-to-reset-your-ios-devices-network-settings-and-fix-connection-issues/ - ...
by themesrob
Thu Oct 26, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 14550

Re: Request for Promotion letter to Senior Management

Agree that an in-person meeting would be more beneficial. If you like, and think it would work with your director's style, you can use some the points made in your draft letter as the framework for a Powerpoint on your projects/successes. (Personally, I would print the slides out for the director he...
by themesrob
Wed Oct 25, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: New York restaurants suggestions?
Replies: 18
Views: 1914

Re: New York restaurants suggestions?

I highly recommend using Yelp in NYC if you're in a particular place and wondering "what's good around me right now?" This is also a good "cheap eats" map done by Eater: https://ny.eater.com/maps/cheap-eats-nyc-mapped There are so many options that it's hard to make suggestions without more specific...
by themesrob
Mon Oct 23, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Favorite HIIT Workouts
Replies: 24
Views: 2150

Re: Favorite HIIT Workouts

I like ten one-minute rounds of two complementary exercises done 3x and 4x respectively, with the remainder of the minute to rest. My favorite: 3x barbell squat at 50% of your 1RM 4x box jump remainder of the minute to rest, repeat for 10 minutes every minute. you can mix the combination of exercise...
by themesrob
Tue Oct 17, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Honest Contractor Reviews
Replies: 10
Views: 894

Re: Honest Contractor Reviews

Yelp. Be sure to read the "not recommended" reviews. Agreed. I wouldn't necessarily be suspicious of a series of unusually literate 5-star reviews of an entity like a paving contractor, especially if the reviewers' profiles indicate that they have written at least a few other reviews (reducing the ...
by themesrob
Wed Oct 11, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 3377

Re: Best weight loss resources?

I think different people respond to different diets differently, so it's hard to provide any sort of universal guidance other than that being in a caloric deficit and exercising will help you lose weight. One thing I DO believe is universally helpful, however, is to start out by using an app like My...
by themesrob
Fri Sep 01, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Dropped envelope of money at bank... Any lawyers here?
Replies: 72
Views: 5229

Re: Dropped envelope of money at bank... Any lawyers here?

My guess is that the bank is not "cooperating" because they did not voluntarily surrender the tape to the police without a court order. That does not mean they would not actually cooperate if the police did get a court order for the footage -- in fact, they'd be obligated to comply.
by themesrob
Mon Aug 28, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Priorities - Biglaw junior associate
Replies: 45
Views: 5390

Re: Priorities - Biglaw junior associate

This is a fascinating thread. I understand the people who have responded and said don't pay down the debt yet, prepayment gets you nowhere, etc. But it's interesting that everyone who has responded and who has worked or is working in BigLaw has given you the same investment -- pay down the debt fir...
by themesrob
Wed Aug 23, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Weightlifting Equipment for Home Gym
Replies: 54
Views: 7033

Re: Weightlifting Equipment for Home Gym

squatting a bar without center knurling is a bummer. Unless you squat high-bar. In which case center knurling is irrelevant. I find it helpful for high or low bar, actually, in terms of the traction. Plus in a home gym, the center knurling is helpful to keep you centered during the setup in the abs...
by themesrob
Tue Aug 22, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Weightlifting Equipment for Home Gym
Replies: 54
Views: 7033

Re: Weightlifting Equipment for Home Gym

yet another vote for using Starting Strength as a resource. getco posted Rippetoe's article on how to build out a home gym, and it makes one of the points I was going to make -- the barbell is one of the things to spend money on. If you're looking just to have one bar, and your primary barbell movem...
by themesrob
Mon Aug 21, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a Barcelona trip
Replies: 56
Views: 5630

Re: Soliciting personal recommendations for a Barcelona trip

4. Statistically it is just not something to be afraid of. If you are killed in Europe, it will be in a car accident, crossing the road, skiing accident etc. Terrorism was much worse in the mid 1970s (Bologna train bombing*, Italy & the Red Brigades; Baader Meinhof Complex in Germany; IRA in UK). W...
by themesrob
Fri Aug 18, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 11858

Re: Non-fiction bucket list

Jared Diamond's Guns, Germs, and Steel , which has been repeatedly recommended, has been debunked by Nicholas Wade's A Troublesome Inheritance . respectfully, "debunked" might be a tad strong -- Wade and his book were widely criticized by scientists in the field for misappropriating/misrepresenting...
by themesrob
Mon Aug 14, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 49
Views: 5884

Re: PayPal - Any Disadvantages?

After reading this thread, realized I had a checking account from long ago still linked to paypal. I think I had to initially 10 yrs ago link a bank account to open paypal. I decided that I wanted to remove that bank account link. However, forgot my password to paypal. It took all of 2 minutes to g...