Search found 518 matches

by B4Xt3r
Sun May 24, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 60
Views: 4060

Re: If Jeep has such poor reliability, how come they are everywhere?

For anybody considering the wrangler type Jeep, consider this. https://www.caranddriver.com/news/a32404897/iihs-crash-test-jeep-wrangler-video/ This should be impossible in this day and age. High school kids love these things, but I’d never let an inexperienced driver have one...... Jeep's often ha...
by B4Xt3r
Sun May 24, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 60
Views: 4060

Re: If Jeep has such poor reliability, how come they are everywhere?

"It's a jeep thing, you wouldn't understand" about sums it up. I'll disclose that I've owned a wrangler for over a decade but, and an important but, I actually offroad it in conditions that very few other vehicles would suffice -- it's an addiction hobby where it's about smiles/gallon instead of mil...
by B4Xt3r
Wed May 20, 2020 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Home inspector in Central MA
Replies: 3
Views: 267

Re: Home inspector in Central MA

cmb16 wrote:
Tue May 19, 2020 6:54 pm
Mike Sereti. Can't say enough about how awesome he was for my inspection. Won't regret it hiring him, very knowledgeable and patient.

www.theworcesterhomeinspector.com
Thanks, I will take a look.
by B4Xt3r
Tue May 19, 2020 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate attorney in Central MA
Replies: 7
Views: 378

Re: Real estate attorney in Central MA

I've used Gary Sanginario (http://www.gsanginariolaw.com/index.php) before on a purchase and would definitely recommend. While he is based in Westborough, he practices all over Worcester County - including the southern part of the county where I purchased. Good luck with the move! It's a great area...
by B4Xt3r
Tue May 19, 2020 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate attorney in Central MA
Replies: 7
Views: 378

Re: Real estate attorney in Central MA

CPA without a cause wrote:
Tue May 19, 2020 2:16 pm
use Jeff Burk, I have worked with most realtors in Worcester, he is by far the most professional and knowledgeable. https://www.jeffburk.net/
The website for Jeff Burk seemed unclear about whether he was a real estate attorney. Could you clarify?
by B4Xt3r
Tue May 19, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate agent in Central MA
Replies: 1
Views: 192

Re: Real estate agent in Central MA

Friendly bump back to the top.
by B4Xt3r
Tue May 19, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Home inspector in Central MA
Replies: 3
Views: 267

Re: Home inspector in Central MA

Friendly bump back to the top.
by B4Xt3r
Tue May 19, 2020 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Real estate attorney in Central MA
Replies: 7
Views: 378

Re: Real estate attorney in Central MA

jb1 wrote:
Tue May 19, 2020 7:17 am
Piggybacking your other thread, your agent will have a list of lawyers, appraisers etc they normally work with
I had been originally intending to find an independent lawyer at-least due to the financial conflict of interest I have with my agent.
by B4Xt3r
Tue May 19, 2020 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Property on wetlands, affect on value
Replies: 11
Views: 730

Property on wetlands, affect on value

Hi all, A decent chunk of single family homes in central MA are on wetlands, which bring a moderately high degree of regulation for what you can/cannot do on or in the buffer zone of the wetlands. For example, if you want to fell a tree you must seek approval to do so. My question is how, if any, af...
by B4Xt3r
Tue May 19, 2020 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Real estate agent in Central MA
Replies: 1
Views: 192

Real estate agent in Central MA

Hi all,

I had am curious if someone has a personal recommendation for an excellent real estate agent in central MA? (South of Worcester generally). My wife and I are first-time homebuyers, so we think we need someone who can lead us a bit more as we are unfamiliar with many details.

Thanks,

-b4xt3r
by B4Xt3r
Tue May 19, 2020 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Home inspector in Central MA
Replies: 3
Views: 267

Home inspector in Central MA

Hi All, I had am curious if if someone has a personal recommendation for a home inspector in central MA? (South of Worcester generally). My wife and I are first-time homebuyers so a good home inspector seems like a must. We have seen many houses, so for the inspector it go be anything from buying a ...
by B4Xt3r
Tue May 19, 2020 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Real estate attorney in Central MA
Replies: 7
Views: 378

Real estate attorney in Central MA

Hi all, Just curious if someone has a personal recommendation for a real-estate attorney in central MA? (South of Worcester generally). If we end up needing one, my wife and I are first-time homebuyers so we are quite eager and, admittedly, somewhat nervous to have someone we can trust that is "on o...
by B4Xt3r
Mon May 11, 2020 6:07 am
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4094

Re: What age do you use for retirement end date?

You don't use an end date (death date). You use a statistical distribution of possible dates. A lot of retirement models use statistical distributions for investment performance and then estimate chances of running out of money after some specific number of years. More probably they should compute ...
by B4Xt3r
Mon May 11, 2020 6:05 am
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4094

Re: What age do you use for retirement end date?

CDC published aggregate data. Individuals are not aggregate data, but it's a starting point.

https://www.cdc.gov/nchs/data/nvsr/nvsr ... 07-508.pdf
by B4Xt3r
Sat Apr 18, 2020 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-approval or pre-qualification for mortgage affect credit scores
Replies: 2
Views: 170

Pre-approval or pre-qualification for mortgage affect credit scores

Hi All,

Quick question - does either being pre-approved or pre-qualified for mortgage (but not actually applying yet) affect your credit score?

-b4xt3r
by B4Xt3r
Sun Apr 12, 2020 7:15 am
Forum: Personal Finance (Not Investing)
Topic: 3 decades of homes in central/south MA at risk for crumbling foundations
Replies: 6
Views: 1259

Re: 3 decades of homes in central/south MA at risk for crumbling foundations

Yeah, I guess that my plan is then to insist on viewing the results of a core sample test as a condition of the purchase. Hopefully we can just find a house outside of that range :)
by B4Xt3r
Sat Apr 11, 2020 6:58 am
Forum: Personal Finance (Not Investing)
Topic: 3 decades of homes in central/south MA at risk for crumbling foundations
Replies: 6
Views: 1259

Re: 3 decades of homes in central/south MA at risk for crumbling foundations

It appears that the MA government has a form for homeowners to get reimbursed for their testing costs. Thus, refusal to buy without the test having been done seems reasonable. Here is the form: https://www.mass.gov/files/documents/2019/10/16/Crumbling%20Foundations%20Application%20%20Instructions%2...
by B4Xt3r
Fri Apr 10, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: 3 decades of homes in central/south MA at risk for crumbling foundations
Replies: 6
Views: 1259

3 decades of homes in central/south MA at risk for crumbling foundations

Hi All, MA government passed a law in 2018 that created a special commission to access whether some MA homes were built with contaminated concrete. The official report from that special commission was released ~4 months ago. The answer appears to be yes, and further: The MA special commission recomm...
by B4Xt3r
Wed Apr 08, 2020 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4032

Re: Reducing home buying price due to coronavirus uncertainty?

...I've paused in the course of all of this to think about whether this situation could lead to a significant decrease in house prices. I think there's a very good chance of that. ... I am attempting to bake in that risk as well. I suppose that I have not done a good job articulating that portion o...
by B4Xt3r
Wed Apr 08, 2020 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4032

Re: Reducing home buying price due to coronavirus uncertainty?

I doubt you will get 10% off what prices were 2 months ago, but you can always try. Many people have taken their houses off the market or postponed putting them on the market. I read listings are down 50% and pending sales are down 50% (I believe that is year over year). Supply is tight and demand ...
by B4Xt3r
Wed Apr 08, 2020 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4032

Re: Reducing home buying price due to coronavirus uncertainty?

I'm a bit surprised that it seems the majority of posters are focusing on the seller's contribution to the market-value over the buyers. Both make up the market-value. When a seller assumed ownership of a house, they assumed an asset whose market-value is substantially influenced by the economic for...
by B4Xt3r
Tue Apr 07, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4032

Re: Reducing home buying price due to coronavirus uncertainty?

I doubt you will get 10% off what prices were 2 months ago, but you can always try. Many people have taken their houses off the market or postponed putting them on the market. I read listings are down 50% and pending sales are down 50% (I believe that is year over year). Supply is tight and demand ...
by B4Xt3r
Tue Apr 07, 2020 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4032

Re: Reducing home buying price due to coronavirus uncertainty?

... +1 fwiw: We're in a major metro in the upper midwest, just sold our home in 28 hours. Listed last week. Sold @ $10k above ask. Demand was still high for a solid home in a good neighborhood. We discussed with our realtor about 6 months prior to the pandemic about listing then, and decided to wai...
by B4Xt3r
Tue Apr 07, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4032

Re: Reducing home buying price due to coronavirus uncertainty?

Hi all, Let's assume the following: On the housing market with lease ending soon & finances in order for mortgage Not currently laid off, but danger of course exists Company has a good current balance sheet, but some of our customer base are from industries hit by virus My boss very much acts like ...
by B4Xt3r
Tue Apr 07, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4032

Re: Reducing home buying price due to coronavirus uncertainty?

ianferrel wrote:
Tue Apr 07, 2020 12:01 pm
Doesn't seem crazy, but who knows.

We expect to put our house on the market in about a month, and it would not surprise me if we end up accepting an offer that's 10% less than what we estimated we'd get 2 months ago.
Thanks for a first-hand perspective from a seller.
by B4Xt3r
Tue Apr 07, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4032

Re: Reducing home buying price due to coronavirus uncertainty?

... Having bought several homes over a long period of time and having seen the full cycle repeat itself a few times in real estate, here are my thoughts: - Do not buy a home if you believe there is any risk of you losing your job. Risk > reward. Think long-term. - When this current situation finall...
by B4Xt3r
Tue Apr 07, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4032

Re: Reducing home buying price due to coronavirus uncertainty?

I doubt you will get 10% off what prices were 2 months ago, but you can always try. Many people have taken their houses off the market or postponed putting them on the market. I read listings are down 50% and pending sales are down 50% (I believe that is year over year). Supply is tight and demand ...
by B4Xt3r
Tue Apr 07, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4032

Re: Reducing home buying price due to coronavirus uncertainty?

1. If you think you might get laid off, then don’t buy a house. 2. I think it’s impossible to predict what direction the housing market is heading at any one time. Bottom line is, I don’t think it should really make much difference in what you should be looking for if/when you are ready to buy a ho...
by B4Xt3r
Tue Apr 07, 2020 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4032

Reducing home buying price due to coronavirus uncertainty?

Hi all, Let's assume the following: On the housing market with lease ending soon & finances in order for mortgage Not currently laid off, but danger of course exists Company has a good current balance sheet, but some of our customer base are from industries hit by virus My boss very much acts like h...
by B4Xt3r
Tue Mar 31, 2020 6:33 am
Forum: Investing - Theory, News & General
Topic: Investments you wouldn't touch with a 10 foot pole
Replies: 110
Views: 9172

Re: Investments you wouldn't touch with a 10 foot pole

centennialstate wrote:
Mon Mar 30, 2020 9:35 pm
Government bonds. While popular, not capital investment, not supportive of free-market principles.
I applaud standing by your virtues.
by B4Xt3r
Tue Mar 10, 2020 5:52 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 491
Views: 41537

Re: The Calm Post - Stay the course thread.

Made a thread end of 2019 regarding my fear of starting investing. Understood that lump sum beats DCA and did that. Now lost 20% of my whole assets in 2.5 weeks. Anything positive I can take away from the whole situation? That the right strategy does not always have the right outcome. I plan to lum...
by B4Xt3r
Mon Mar 09, 2020 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Very thorough home inspector western MA
Replies: 6
Views: 757

Re: Very thorough home inspector western MA

Sorry, I meant buying a house that was flipped.
by B4Xt3r
Mon Mar 09, 2020 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Very thorough home inspector western MA
Replies: 6
Views: 757

Very thorough home inspector western MA

Hi all,

Can anyone recommend a very thorough home inspector for east/south of Worcester, MA? I am a first-time homebuyer considering my options (including some flipsbuying a flipped house) so I need a home-inspector who really knows what they are doing.

Thanks,

-b4xt3r
by B4Xt3r
Mon Mar 09, 2020 5:21 am
Forum: Investing - Theory, News & General
Topic: 50 Years of Investing in the World
Replies: 45
Views: 4803

Re: 50 Years of Investing in the World

Nice work; a good read.
by B4Xt3r
Fri Feb 28, 2020 8:03 am
Forum: Investing - Theory, News & General
Topic: Stocks are Not on Sale
Replies: 30
Views: 3707

Re: Stocks are Not on Sale

Humans make the market efficient in pricing in their values. But how efficient? Well, I've never heard a good answer to that question except that active investors usually don't outperform the market b/c of fees.
by B4Xt3r
Wed Feb 26, 2020 7:31 am
Forum: Personal Consumer Issues
Topic: Are there any newer sci-fi tv shows that are family friendly
Replies: 27
Views: 1976

Re: Are there any newer sci-fi tv shows that are family friendly

Cheez-It Guy wrote:
Tue Feb 25, 2020 10:27 pm
Star Trek: The Next Generation
Also, Star Trek Voyager is probably decent.
by B4Xt3r
Wed Feb 26, 2020 7:30 am
Forum: Personal Consumer Issues
Topic: Are there any newer sci-fi tv shows that are family friendly
Replies: 27
Views: 1976

Re: Are there any newer sci-fi tv shows that are family friendly

1130Super wrote:
Wed Feb 26, 2020 1:07 am
Lost in space
It’s a Netflix original
This was my first thought.
by B4Xt3r
Wed Feb 26, 2020 7:30 am
Forum: Personal Consumer Issues
Topic: Are there any newer sci-fi tv shows that are family friendly
Replies: 27
Views: 1976

Re: Are there any newer sci-fi tv shows that are family friendly

Starfish wrote:
Wed Feb 26, 2020 1:18 am
I find funny how it goes to violence okay, sex bad. Murder, no problem, eroticism, biology not acceptable.
Whenever you see a murder on a TV, everyone knows its faked. Nudity, however, is usually quite real.
by B4Xt3r
Thu Feb 20, 2020 7:11 pm
Forum: Investing - Theory, News & General
Topic: 4% SWR: It is not a rule and it is not safe (anymore).
Replies: 273
Views: 18833

Re: 4% SWR: It is not a rule and it is not safe (anymore).

So the study is mildly interesting to me. It's interesting since it would appear government interest rates are low form a historical perspective. https://www.macrotrends.net/2016/10-year-treasury-bond-rate-yield-chart Therefore its interesting to speculate what shifts might. -b4xt3r History started...
by B4Xt3r
Thu Feb 20, 2020 7:31 am
Forum: Investing - Theory, News & General
Topic: 4% SWR: It is not a rule and it is not safe (anymore).
Replies: 273
Views: 18833

Re: 4% SWR: It is not a rule and it is not safe (anymore).

So the study is mildly interesting to me. It's interesting since it would appear government interest rates are low form a historical perspective. https://www.macrotrends.net/2016/10-year-treasury-bond-rate-yield-chart Therefore its interesting to speculate what shifts might. I say only mildly intere...
by B4Xt3r
Wed Feb 19, 2020 7:38 am
Forum: Investing - Theory, News & General
Topic: 4% SWR: It is not a rule and it is not safe (anymore).
Replies: 273
Views: 18833

Re: 4% SWR: It is not a rule and it is not safe (anymore).

As I have been posting for a while, attracting all kind of criticism, in an environment characterized by historically extremely low bond yields, all the rather empirical arguments in defense of a sustainable 4% withdrawal kind of go out of the window. In order to support total portfolio yield one w...
by B4Xt3r
Thu Feb 13, 2020 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Friends working on hobby that may/may not develop into business
Replies: 16
Views: 1469

Re: Friends working on hobby that may/may not develop into business

What benefits does it offer to shut down a business for a few years and then open it again later? +1 You will have some expenses to do this. The business can deduct them. Why shut down the business and forego the deduction? Because shutting down the business has no revenue (so far as I know).
by B4Xt3r
Thu Feb 13, 2020 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Friends working on hobby that may/may not develop into business
Replies: 16
Views: 1469

Re: Friends working on hobby that may/may not develop into business

dknightd wrote:
Thu Feb 13, 2020 10:43 am
You and your friends have to decide. Is this a hobby, or is this something you expect make money on, perhaps one day?
Why can't it be both?
by B4Xt3r
Thu Feb 13, 2020 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Friends working on hobby that may/may not develop into business
Replies: 16
Views: 1469

Re: Friends working on hobby that may/may not develop into business

Options: Decide: 1. Do it for fun, together, with no expectation of either for returns. (stay friends) 2. Do it for business/money with expectation of returns. (risk friendship) One year from now, decide again, etc, etc. j :happy I like this. Keep deciding at periodic intervals. Realize that what y...
by B4Xt3r
Thu Feb 13, 2020 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Friends working on hobby that may/may not develop into business
Replies: 16
Views: 1469

Re: Friends working on hobby that may/may not develop into business

Options: Decide: 1. Do it for fun, together, with no expectation of either for returns. (stay friends) 2. Do it for business/money with expectation of returns. (risk friendship) One year from now, decide again, etc, etc. j :happy I think they are learning towards this. I'm just worried about how to...
by B4Xt3r
Thu Feb 13, 2020 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Friends working on hobby that may/may not develop into business
Replies: 16
Views: 1469

Re: Friends working on hobby that may/may not develop into business

niceguy7376 wrote:
Thu Feb 13, 2020 8:19 am
What benefits does it offer to shut down a business for a few years and then open it again later?
Reduce cost for the interim years.