Search found 1491 matches

by hand
Thu Oct 22, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: New washing machine / washing clothes in hot water?
Replies: 23
Views: 1346

Re: New washing machine / washing clothes in hot water?

If heat is really playing a sanitizing function, wouldn't the dryer accomplish this no matter the wash temperature?
by hand
Wed Oct 21, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Meditation Guides?
Replies: 50
Views: 1832

Re: Meditation Guides?

Outset Medical Inc
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NASDAC Ticker: OM
by hand
Wed Oct 21, 2020 1:49 pm
Forum: Personal Investments
Topic: Late to the party at 50 - Need advise
Replies: 7
Views: 1290

Re: Late to the party at 50 - Need advise

Employment and Income - Combined household income is $225K with me and wife making $100k each. $25k from rental home. My current employer Is rental income (rent - expenses) really $25k / yr, or is that your annual rent number? In terms of investments standard general guidance is likely fine, but yo...
by hand
Tue Oct 20, 2020 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant modified property and subletting on AirBnB
Replies: 65
Views: 5607

Re: Tenant modified property and subletting on AirBnB

Do you contact tenant directly first to confront their wrongdoing? Or you just go straight to lawyer for any communication? We are now concerned on how to stop the parties first and it seemed AirBnB will also take their time. Why is your priority the parties and not minimizing your overall financia...
by hand
Tue Oct 20, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Tenant modified property and subletting on AirBnB
Replies: 65
Views: 5607

Re: Tenant modified property and subletting on AirBnB

Sounds like a hassle, and a gift - hopefully this breach of contract is the ticket to getting rid of an unwanted tenant despite COVID restrictions. Trick of course is to navigate course of least harm between: Nonpayment of rent Damages to property County legal penalties Legal costs I'd echo the sugg...
by hand
Thu Oct 15, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Selling home FSBO guide
Replies: 5
Views: 499

Re: Selling home FSBO guide

Have you considered a dedicated real-estate attorney? Seems like there might be some domain and location specific information that may not be best handled by your estate attorney - I'd pay the right expert so I didn't have to know what questions to ask.
by hand
Thu Oct 15, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Off Road Mods?
Replies: 26
Views: 2223

Re: Off Road Mods?

I was pleasantly surprised at how capable a stock vehicle was with slightly upsized A/T tires. Your location and needs may vary, but my initial shopping list was recovery gear (appropriate tow points, shovel, soft shackles and recovery rope) and skills enhancement (offroad driving and decision makin...
by hand
Wed Oct 14, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: Reverse Countdown Timer
Replies: 53
Views: 3498

Re: Reverse Countdown Timer

Apologies if my suggestion has already been considered and discarded, but why isn't a version of this *the* answer? https://www.mcmaster.com/7672K54/ This is a reverse countdown timer that you turn to define amount of time you want the appliance off (15 mins - 12 hrs). No custom electronics, just a ...
by hand
Tue Oct 13, 2020 7:05 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel without Permit?
Replies: 40
Views: 3676

Re: Bathroom Remodel without Permit?

For $140, I'd absolutely pull the permit. That being said, my view of permits is more like a protection racket - they protect you against the low to very low risk of future issues with the town and on resale. In my limited experience, in my town, protection against shoddy work is not guaranteed as t...
by hand
Fri Oct 09, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Age 50++ - When to "self-insure", i.e., cancel Disability and Term Life Insurance policies
Replies: 18
Views: 2338

Re: Age 50++ - When to "self-insure", i.e., cancel Disability and Term Life Insurance policies

For a long-term term fixed premium policy, the premiums for the last years of the policy are usually a "Bargain" considering that the risk of death is higher but the premiums are flat. As such, it usually makes sense to not abandon those policies considering the actuarial inherent value of keeping ...
by hand
Thu Oct 08, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Furnace sizing Question - Wisconsin
Replies: 10
Views: 727

Re: Furnace sizing Question - Wisconsin

The contractor recommending the smaller size furnace is most likely correct that your current unit is oversized and sounds like they may be the only group doing things the right way. Your comfort issues in the basement sound more related to ductwork and air flow balancing not BTU. I would love to w...
by hand
Mon Oct 05, 2020 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Condo homeowner associations in financial trouble - What effect on condo prices / ability to sell?
Replies: 16
Views: 2115

Re: Condo homeowner associations in financial trouble - What effect on condo prices / ability to sell?

While I generally agree with the above posts that in many cases this is a theoretical risk because "nobody" reads the association financials and most parties to the transaction (including the buyer's agent) have a financial incentive to look the other way - if it was *my* condo, I would not be so bl...
by hand
Thu Oct 01, 2020 11:50 am
Forum: Personal Consumer Issues
Topic: Reverse Countdown Timer
Replies: 53
Views: 3498

Re: Reverse Countdown Timer

And some other low tech solutions - get a quieter dehumidifier / position and vent differently / build a sound absorbing a dehumidifier enclosure.
by hand
Thu Oct 01, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Reverse Countdown Timer
Replies: 53
Views: 3498

Re: Reverse Countdown Timer

I've wanted similar, and this post plus the SPDT hint motivated me to do a search for "spring wound countup timer" McMaster Carr seems to have something that would work: Control equipment with high currents such as air conditioners, heaters, and ventilating equipment. They automatically turn electri...
by hand
Thu Oct 01, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: Help with replacing water heater
Replies: 49
Views: 3049

Re: Help with replacing water heater

Family of 5 screams "quick recovery time" - I'd suspect a gas tanked water heater is the best fit. Specifically look at "high recovery" models which may not be the default stock / default plumber selection. If you're in California, I suspect you already have low flow shower heads, but if not, changi...
by hand
Mon Sep 28, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Best ways to tap home equity
Replies: 11
Views: 1321

Re: Best ways to tap home equity

1) What about a regular mortgage? 2) There was a California company offering to take an ownership stake in *part* of your house, fees were steep, but benefits were downside protection (they'd share in losses if house dropped in value) and maintaining partial ownership Fundamentally though, it seems ...
by hand
Mon Sep 28, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Keystone Funding - Experience
Replies: 0
Views: 179

Keystone Funding - Experience

Hi, I'm having a positive experience so far with Keystone Funding via Mortgage Professor on a refinance (with great rates), but a couple of quirks worth noting for the record: 1) Required to sign waiver to allow for future changes (increases) to required flood insurance 2) Required to sign waiver to...
by hand
Fri Sep 25, 2020 6:55 am
Forum: Personal Finance (Not Investing)
Topic: title insurance in Pennsylvania
Replies: 1
Views: 212

Re: title insurance in Pennsylvania

I'm interested in this as well - anyone have any suggestions for PA Title Insurance? Radian appears to have shut down the borrower direct part of their business (at least temporarily).

I've found marginally improved pricing at AltTitle, but nothing dramatically better like Radian used to offer.
by hand
Mon Sep 21, 2020 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: The conundrum of Pennsylvania 401K contributors who are in no way "married" to the state for retirement. What to do?
Replies: 24
Views: 2738

Re: The conundrum of Pennsylvania 401K contributors who are in no way "married" to the state for retirement. What to do?

Meh. Clearly a PA specific quirk, but perhaps a mistake to consider or worry about in isolation: 1) If your job is only viable in PA and NJ, and you refuse to live in NJ, there aren't really any alternatives 2) While you're getting the short end of the stick with regards to tax on 401(k) contributio...
by hand
Mon Sep 14, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Limited Purpose FSA: What to Buy with Excess Funds?
Replies: 17
Views: 967

Re: Limited Purpose FSA: What to Buy with Excess Funds?

If medical only, I've been able to spend hundreds (not thousands) on pretty comprehensive pre-packaged medical kits and sunscreen / makeup with sunscreen. As I understand it, Limited Purpose FSA can only be used for dental and vision expenses. So you could get some really expensive prescription sun...
by hand
Mon Sep 14, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: Limited Purpose FSA: What to Buy with Excess Funds?
Replies: 17
Views: 967

Re: Limited Purpose FSA: What to Buy with Excess Funds?

Concierge medicine / executive health program specifically tailored to the "limited" purpose? $2k is a little light for a full workup, but you may be able to use the FSA for selected diagnostics... If medical only, I've been able to spend hundreds (not thousands) on pretty comprehensive pre-packaged...
by hand
Sun Sep 13, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Optimal HVAC Size
Replies: 44
Views: 2790

Re: Optimal HVAC Size

Mine and my neighbors experience has been that many HVAC companies tend to oversize furnace and AC units. Maybe because they can make more profit from the larger units and the customer is less likely to complain about having enough heating or cooling. Over sizing is not a good thing. If your curren...
by hand
Sun Sep 13, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Optimal HVAC Size
Replies: 44
Views: 2790

Re: Optimal HVAC Size

My general understanding is that, in a perfect world, the optimal HVAC size requires the AC unit, on the hottest day of the year, to run continuously in order to maintain the desired temperature. There are other schools of thought (misinformation?) that say a properly sized HVAC should preferably c...
by hand
Fri Sep 11, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 245
Views: 15379

Re: What is the single best piece of exercise equipment you bought for your home?

Getting close to pulling the trigger on a Hydrow (although I may wait until Black Friday since they were $1k off last year). Any more thoughts or advice? Yes, I know it's pricey but we can afford it and I figured a rower takes care of both the cardio and strength part. And, yes, I also considered t...
by hand
Fri Sep 11, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: Managing Indoor Humidity
Replies: 62
Views: 3589

Re: Managing Indoor Humidity

Have you considered evaluating the air sealing of your basement, especially the rim joists? Warm moist air infiltrating from the outside is a prime cause of basement humidity and increased dehumidification costs. I've been very happy with the Building Science Corp recommended approach of sealing rim...
by hand
Thu Sep 10, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: Miele Appliances for New Build Condo
Replies: 32
Views: 1792

Re: Miele Appliances for New Build Condo

2x dishwasher, 2x washer, 2x dryer, coffee maker gets you an additional 4 appliances...
by hand
Thu Sep 10, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: Miele Appliances for New Build Condo
Replies: 32
Views: 1792

Re: Miele Appliances for New Build Condo

Do you have authorized Miele service near you, and are they good / responsive? You're not just buying appliances, you're buying an ecosystem that includes support and service. Personally, I believed in the Miele engineering, but couldn't get confident that I'd be able to get good timely service at a...
by hand
Wed Sep 09, 2020 9:27 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to spend on car?
Replies: 122
Views: 8522

Re: What % of income to spend on car?

Annual income, and even net worth are not good metrics for determining a car purchase. Assuming you're financially stable (you are), and aren't forced to make short term financial decisions to simply get to work, you should be focused on annual cost of ownership over time (inclusive of financing, in...
by hand
Wed Sep 02, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: Cooktops
Replies: 12
Views: 965

Re: Cooktops

I've been really happy with a BlueStar cook-top - high end, high BTU burners, but at a much more reasonable price-point than their stoves (which competes with Wolf etc.)
by hand
Tue Sep 01, 2020 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

There are, in many cases, such as ours, often a myriad of factors at play of which maximum selling price is only one of them. Additionally, because we moved so aggressively, and fit the other factors so well - our offer was accepted before any others even made it to the table. In this case, the sel...
by hand
Tue Sep 01, 2020 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

In our admittedly limited experience, our buyers agent has, through back-channel discussions with the other agent, helped us determine the “real” price the sellers might accept (when we were tempted to offer full price), helped us successfully feel out how far we could push on inspection items we w...
by hand
Mon Aug 31, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

But a reputable agent will also work on building a business based on referrals. But, that's the rub, isn't it: 1) How do you find a reputable agent vs. a disreputable agent (especially in if you're not local) 2) According to a 2014 NAR study, 87% of agents leave the business in first 5 years - pres...
by hand
Mon Aug 31, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Should I purchase Bosch Dishwasher Extended Warranty?
Replies: 15
Views: 1045

Re: Should I purchase Bosch Dishwasher Extended Warranty?

Short answer - don't buy the warranty. Long answer - even if the financials of the warranty made sense (they don't), having a non-working dishwasher and a financial commitment to wait (with a non-working dishwasher) until warranty issues are eventually resolved is miserable - ask me how I know. It i...
by hand
Mon Aug 31, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

If, hypothetically, a shopping mall was going to be built accross the street, my understanding is the Seller must disclose that, if he knows. But suppose the seller doesnt know about it, but the seller's Agent knows. Does it have to be disclosed? It would also strike me that the seller's agent woul...
by hand
Mon Aug 31, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

/2/ can you give me an example of a detail a buyers agent would know and reveal to me, that the seller's agent would not have an obligation to? Anything negative about the property or the neighborhood... For example plans for a housing development on the farmland across the street, or a pending rez...
by hand
Mon Aug 31, 2020 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

If you use the listing agent to represent both the seller and yourself, the agent’s fiduciary responsibility is towards the seller . ..and the agent's own family; not necessarily in that order! While there may be some fig-leaf of "fiscal responsibility" for agents, marginal breaches (i.e. pushing a...
by hand
Mon Aug 31, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping a Buyer's Real Estate Agent
Replies: 53
Views: 3075

Re: Skipping a Buyer's Real Estate Agent

I would do this, but not focus on minimizing the realtor's compensation... Your goals should be 1) finding a good property, 2) minimizing what you pay, 3) closing the deal. If you're comfortable that you've found a good property, make a fair but low offer through the listing agent and let them work ...
by hand
Mon Aug 31, 2020 12:47 pm
Forum: Personal Investments
Topic: New Here
Replies: 17
Views: 1414

Re: New Here

the absolute floor of any asset is $0. Unless.... there is a storage cost associated - Oil was negative for period of time earlier this year. https://www.bbc.com/news/business-52350082#:~:text=The%20price%20of%20US%20oil,could%20run%20out%20in%20May. I'd agree that for all practical purposes, for t...
by hand
Tue Aug 18, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: Where to find a quality, lower cost muscle car
Replies: 92
Views: 5772

Re: Where to find a quality, lower cost muscle car

atikovi wrote: Tue Aug 18, 2020 9:42 am
p14175 wrote: Mon Aug 17, 2020 1:31 pm Have you considered a Ford Crown Victoria P71 Police Interceptor?
In what world is a 4-door sedan a muscle car? I could stretch it to that if perhaps it had a hot motor, not grandma's 4.6 grocery getter.
"It's got a cop motor... It's got cop tires, cop suspension, cop shocks"
by hand
Wed Aug 12, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Ergonomic keyboard suggestion
Replies: 21
Views: 986

Re: Ergonomic keyboard suggestion

I'm skeptical that any general ranking can come close to meaningfully identifying what is best for an individual as individual physiology and intended use vary so greatly. I suppose there is value in filtering out those devices with inherently poor ergonomics.
by hand
Wed Aug 12, 2020 7:53 am
Forum: Personal Consumer Issues
Topic: Ergonomic keyboard suggestion
Replies: 21
Views: 986

Re: Ergonomic keyboard suggestion

I've fallen deep into the ergonomic keyboard rabbit hole... First attempts were standard split keyboards from Microsoft (wireless available) and an off-brand provided by the office. I was generally happy with these as they addressed 90% of my discomfort by keeping my wrists in-line with my arms whil...
by hand
Mon Aug 03, 2020 2:22 pm
Forum: Personal Investments
Topic: Advice as I rebuild my financial future
Replies: 15
Views: 1556

Re: Advice as I rebuild my financial future

Asset protection really seems like an odd edge case, unless OP is somehow exposed to an unusual amount of risk / creditors. Orthodoxy here is to 1) build up an emergency fund, 2) determine expected / desired retirement expenses and the additional retirement savings required to achieve. Prepay mortga...
by hand
Sun Aug 02, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: best mesh wifi system on the market?
Replies: 50
Views: 3691

Re: best mesh wifi system on the market?

Anyone using Unifi equipment? Considering adding a dream machine and a couple of access points. Yes, easy to set up, but a bit fiddly to optimize. I'm convinced that if you're willing to put in a small effort, you end up with best value, most extensible wifi setup for home. I've had good luck drivi...
by hand
Fri Jul 17, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher control board - repair or buy new dishwasher?
Replies: 13
Views: 938

Re: Bosch dishwasher control board - repair or buy new dishwasher?

Rumor has it that dishwasher supply has dried up due to COVID. I'd move to fix if possible unless you are sure there is an adequate replacement in stock.
by hand
Wed Jul 15, 2020 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing new build spec house. Question about allowances
Replies: 74
Views: 4550

Re: Purchasing new build spec house. Question about allowances

I’m not anticipating this, but any thoughts about what to do if he makes concessions. Or is this like when you threaten to leave your job and the boss makes a counter, and if you accept everything is ruined? For example, even if he makes concessions, I’m sure he will recoup that money elsewhere. Do...
by hand
Wed Jul 15, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Advise required on Dehumidifier for unfinished basement
Replies: 32
Views: 1349

Re: Advise required on Dehumidifier for unfinished basement

I have a Santa Fe and build materials are obviously several steps above the box store brands. I believe operating costs and sound levels are lower as well. Santa Fe stood behind their product when I had an issue after several years (still within warranty). I'm happy to pay a premium for quality but ...
by hand
Tue Jul 14, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Ever hide money from yourself?
Replies: 46
Views: 2961

Re: Ever hide money from yourself?

I could never get my head around "hiding" money - I've worked too hard to not always *know* where the money is. The hard part for me is spending a big chunk of money on fun - to address this, I've set a small monthly amount that is automatically moved from "savings" account to "fun" account. When a ...
by hand
Mon Jul 13, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: How much should we offer? | First time home buyers
Replies: 32
Views: 2207

Re: How much should we offer? | First time home buyers

This is new construction in an area with lots of new construction... there will be other houses that meet your needs. Tell your realtor that you want to spend the next two weekends 6 hrs a day with them looking at alternatives. Then mention how disappointed you were that you liked the house you saw,...
by hand
Mon Jul 13, 2020 12:31 pm
Forum: Personal Investments
Topic: hyper inflation hedges
Replies: 54
Views: 2897

Re: hyper inflation hedges

Big fixed mortgage - buy a loaf of bread or pay off your house...
by hand
Tue Jul 07, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Bradford White vs Rheem Gas Water Heater
Replies: 41
Views: 2687

Re: Bradford White vs Rheem Gas Water Heater

Bradford Whites are difficult to replace the anode rod on. It is built in to the hot water outlet port so you have to unhook that line then hope you have enough headroom to pull it out and put the new one in which isn't common. Rheems have a separate port that you just unscrew the rod from the top ...