Search found 903 matches

by retire2022
Mon Nov 11, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Anyone had their house repiped?
Replies: 30
Views: 2818

Re: Anyone had their house repiped?

op it depends on whether or not is prevention of pipes freezing is a priority

Supposedly PEX can deal with freezing better, here is a comparison of cooper pipe, PEX & CVPVC in a freezer test

https://www.youtube.com/watch?v=OOeBJ8mDr8Q
by retire2022
Sun Nov 10, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 22
Views: 2083

Re: Fruit Fly Problem

Op I use sticky fly strips purchased from 0.99 cents store it works beautifully, it gets moths, flying little ones and of course flies, also I have low powered UV light draws them to the strips.
by retire2022
Sun Nov 03, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Water damage incident is giving me heartburn - please help
Replies: 14
Views: 1997

Re: Water damage incident is giving me heartburn - please help

Bob

You need to have your insurance contact the condo owner insurance company above you.

If your condo owner does not have insurance you should discuss with your attorney legal action.

Best
by retire2022
Sun Nov 03, 2019 2:23 pm
Forum: Personal Investments
Topic: Social Security Windfall Elimination Provision (WEP) question
Replies: 17
Views: 2108

Re: Social Security Windfall Elimination Provision (WEP) question

Op checkout this article it is a good technical way to figure out the different scenarios:

https://www.ssa.gov/policy/docs/ssb/v79n3/v79n3p1.html
by retire2022
Sun Nov 03, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Buy or keep renting in Manhattan?
Replies: 44
Views: 7878

Re: Buy or keep renting in Manhattan?

Jory, NY Times article indicates a softness in 2 bedroom apartment did you see?

https://www.nytimes.com/2019/11/01/real ... -york.html
by retire2022
Thu Oct 31, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: CMBS: a bond class often ignored by individual investors
Replies: 10
Views: 1011

Re: CMBS: a bond class often ignored by individual investors

Op Can't see low interest rate environment why this would work great product during Great Recession :oops: Commercial mortgage-backed insecurities CMBS — one of real estate’s darlings during the last cycle — faces a very uncertain future as borrower demands shift and the economy shows signs of slowi...
by retire2022
Sun Oct 27, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Is drive up storage worth the cost?
Replies: 16
Views: 1446

Re: Is drive up storage worth the cost?

Op I knew someone who lived in NYC/Long Island all her life. She met someone from France and decided to move in with him, based on her prior relationship of ex-boy friends, the though was it may not work out. Ultimately they married and four years later accumulated storage costs, she decided to clos...
by retire2022
Thu Oct 24, 2019 8:51 pm
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 77
Views: 4316

Re: Fine Art Investments

op check this out Curt Cobain sweater $137K, priceless :)

https://www.rollingstone.com/music/musi ... er-900672/
by retire2022
Tue Oct 22, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 Plus - upgrading
Replies: 6
Views: 572

Re: iPhone 6 Plus - upgrading

op in case you have not read this thread, this maybe relevant in your case, or find something in that thread useful:

viewtopic.php?f=11&t=283432
by retire2022
Mon Oct 21, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Where can I find iphone deals/discounts?
Replies: 22
Views: 2229

Re: Where can I find iphone deals/discounts?

Op

Yes Walmart Straight Talk IPhone 6S is $149 32GB
new


https://www.walmart.com/ip/Straight-Tal ... /863424218
by retire2022
Sun Oct 20, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: What documents do I need to prove I own my house?
Replies: 18
Views: 2961

Re: What documents do I need to prove I own my house?

op I have not read other responses but if no one ever mentioned it a UCC-3 is paid off letter from your mortgage lender and that is usually recorded in the local county. A UCC-1 is a record that a mortgage has been filed. You should be able to see both documents in the county's website. here is an e...
by retire2022
Sun Oct 20, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: live close to construction, air purifier recommendation?
Replies: 24
Views: 1892

Re: live close to construction, air purifier recommendation?

op

Please be advised, are you aware of OSHA "crystalline silica dust rule? I suggest you look into this, lots of things learned as a result of 911 dust.

https://www.osha.gov/Publications/OSHA3681.pdf
by retire2022
Sun Oct 20, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: A fire next door caused water damage in my unit - Insurance question
Replies: 13
Views: 1574

Re: A fire next door caused water damage in my unit - Insurance question

Op I accidentally destroyed two of my building's elevator, from messing around with flush-o-meter, don't recommend doing one's own plumbing. :oops: I left notes for all the residents in my line, several residents applied for claims except for the one below, my co-worker who is a real estate attorney...
by retire2022
Sun Oct 20, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Deed fraud (on your home)- anyone have insight?
Replies: 51
Views: 4153

Re: Deed fraud (on your home)- anyone have insight?

Other day on the radio I heard a detailed commercial about deed fraud- where someone goes to your county recorder, puts their name on the deed to your home (and removes yours), then takes out an equity line of credit and drains the equity from your home, or they sell the home and leave you SOL. The...
by retire2022
Wed Oct 09, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ramit Sethi and psychology of money
Replies: 5
Views: 1263

Re: Ramit Sethi and psychology of money

Op It would be helpful to provide link: https://youtu.be/BmAwa1nnB6w Any of these guru are good talkers, they all more or less say the same thing, at the end of the day, financial freedom is the goal. Find one which speaks to you Savings& investing nothing can replace hard work in the BH wiki gettin...
by retire2022
Tue Oct 08, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: On-Going Dishwasher Issues
Replies: 23
Views: 1702

Re: On-Going Dishwasher Issues

Putting a GFI outlet behind an installed dishwasher is not a good idea since it requires the dishwasher be removed to get to the outlet to reset if it trips or to test. GFI outlets are prone to tripping. My solutions would be to move the outlet to underneath the sink and use a pigtail cord to the d...
by retire2022
Tue Oct 08, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Find my phone -- easy way to find it when lost in the house?
Replies: 38
Views: 2646

Re: Find my phone -- easy way to find it when lost in the house?

Op

If I don’t have a phone to call the cell I used my computer or laptop via google voice to hear the ringtone.

Google Voice saved me during Sandy when phone power lines were out.
by retire2022
Sun Oct 06, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: HELP! Parents have $0 for retirement - how can I keep them afloat??
Replies: 49
Views: 8476

Re: HELP! Parents have $0 for retirement - how can I keep them afloat??

Hi Bogleheads, My aunt owns a NYC apartment that appraised (for arguments sake) at $800K. It's willed to me (for reasons that I'll spare you). My parents are both chronically ill with no retirement savings. When my aunt passes, does anyone have any suggestions on the most efficient way to maximize ...
by retire2022
Fri Oct 04, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9672

Re: IPhone 6 - showing some age

All iphone 6s has a component prone to failure and free repair

https://www.theverge.com/2019/10/4/2089 ... onent-free
by retire2022
Mon Sep 30, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 80
Views: 7275

Re: American Funds vs Vanguard

op

Learned this new trick through this thread on how to do a comparison of 10 funds, see this thread from Angst/Larry

viewtopic.php?f=10&t=285921&start=100#p4678553

https://advisors.vanguard.com/web/c1/compare-products/
by retire2022
Thu Sep 26, 2019 4:55 pm
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 77
Views: 4316

Re: Fine Art Investments

Op very few people end up like the Vogels, unless you like owning art, like others said one needs insurance, appraisal, space to show off art, transaction cost, and for very affluent. Btw I have a BA in Art History, one of my professor brought and sold works of art, but one needs acquired taste and ...
by retire2022
Wed Sep 25, 2019 5:27 pm
Forum: Personal Investments
Topic: Merrill Lynch Advisor wants to meet for coffee
Replies: 108
Views: 9513

Re: Merrill Lynch Advisor wants to meet for coffee

Op tell ML to meet you here on Bogleheads
by retire2022
Tue Sep 24, 2019 6:52 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Premium for $99
Replies: 46
Views: 11821

Re: Morningstar Premium for $99

all if you believe in passive index funds, aka Lazy Portfolio, I see no reason for Morningstar account, that being said, have the free account and found latest update in M* not worth it but worst before the updates. see links and discussion https://www.bogleheads.org/forum/viewtopic.php?f=10&t=285921
by retire2022
Sun Sep 22, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: ISP rural area what are my options?
Replies: 23
Views: 2001

Re: ISP rural area what are my options?

Op As far as wireless depends on cellplan you plan on using Http:/www.opensignal.com will show a map of based on actual users of the four cell service, ATT, Verizon, T Mobile and Sprint in you state. As others have mentioned if you start your own ISP you could split the cost among your neighbors I h...
by retire2022
Sat Sep 21, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: live close to construction, air purifier recommendation?
Replies: 24
Views: 1892

Re: live close to construction, air purifier recommendation?

Op you may want to watch this video using HEPA filters and a box fan along with tape to provide different air pressure in home. https://youtu.be/Uat8xn9vC6U Since FEMA distributed the Honeywell HEPA filters due to 911 dust in my area, most failed to work after some time, ie the motor to fan stopped ...
by retire2022
Mon Sep 16, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 89
Views: 9150

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

https://www.verizonwireless.com/featured/better-matters/?map=4glte#maps Select the menu from the upper left hand corner. You will see that you can choose for the map the show one of 4 types of service. I think the last option on the list, prepaid voice, will show your coverage. This seems to be sim...
by retire2022
Mon Sep 16, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: New iPhone on sale for $599.99
Replies: 52
Views: 4117

Re: New iPhone on sale for $599.99

It is now 699 on website

I assume the sale is over?
by retire2022
Sun Sep 15, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 89
Views: 9150

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

For many years, we've been on Verizon's 'unlimited' plan (i.e. unlimited talk and texting), which they refer to internally as a postpaid plan, and have had between 4 GB of monthly data shared between two lines. Including an 18% discount for being a university employee, the total monthly cost, inclu...
by retire2022
Fri Sep 13, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Need ideas for NY Upstate Getaway
Replies: 48
Views: 3162

Re: Need ideas for NY Upstate Getaway

Make sure you fully understand the New York State tax consequences of owning a vacation home in that state. https://www.wsj.com/articles/new-york-hits-out-of-stater-with-hefty-tax-bill-over-vacation-home-11567857600 That's only a problem if you work in New York (or are otherwise in New York more th...
by retire2022
Thu Sep 12, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Need ideas for NY Upstate Getaway
Replies: 48
Views: 3162

Re: Need ideas for NY Upstate Getaway

Op

Saugerties has Opus 40 if you were not aware a sculpture park built on a former quarry.

https://www.opus40.org/

Then there is the original Woodstock site in Bethel Sullivan County NY

https://www.bethelwoodscenter.org/
by retire2022
Wed Sep 11, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 4781

Re: Calling all iPhone SE Bogleheads

op there has been a rumor there will be producing an SE2, nevertheless here is good summary the current status

https://appleinsider.com/articles/19/09 ... -time-soon
by retire2022
Wed Sep 11, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9672

Re: IPhone 6 - showing some age

This December, it will be 5 years for me with the same iPhone 6. It still works great for my needs and I don’t have any plans to upgrade to the iPhone 11 that is due out in a couple weeks. Unfortunately, per Apple, my iPhone 6 will no longer receive future software updates which provide more featur...
by retire2022
Sat Sep 07, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Help understanding Roth for minor
Replies: 14
Views: 1218

Re: Help understanding Roth for minor

op more info on earlier thread in case you are interested:

viewtopic.php?t=267082
by retire2022
Sat Sep 07, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9672

Re: IPhone 6 - showing some age

all on Sept 10, 2019 IOS 13 won't be available earlier to Iphone 6 s

see article:

https://www.forbes.com/sites/zakdoffman ... 54efa663c7
by retire2022
Thu Sep 05, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Recommended apps for NYC?
Replies: 6
Views: 532

Re: Recommended apps for NYC?

Op

Yelp is a good thing, instead of Uber use https://new.mta.info/

Cabs will get stuck in traffic, us locals use metro card and public transit as well as bicycles.

The cardio will be good for one’s health and less car exhaust.


Checkout

https://www.timeout.com/newyork
by retire2022
Wed Sep 04, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: "Home" Cell Phone
Replies: 40
Views: 3482

Re: "Home" Cell Phone

Op you could get VOIP with free calls

See thread:

viewtopic.php?f=11&t=286735
by retire2022
Wed Sep 04, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9672

Re: IPhone 6 - showing some age

All Iphone SE is expected to return in 2020

https://www.theverge.com/2019/9/4/20848 ... -spec-date
by retire2022
Sun Sep 01, 2019 2:13 pm
Forum: Personal Investments
Topic: Beginner Portfolio Advice
Replies: 15
Views: 1370

Re: Beginner Portfolio Advice

op I would consider relocation out of New Jersey because retirement funds are taxable in New Jersey https://www.state.nj.us/treasury/taxation/njit6.shtml If you are a New Jersey resident, your pensions, annuities, and certain IRA withdrawals are taxable and must be reported on your New Jersey tax re...
by retire2022
Tue Aug 27, 2019 9:26 pm
Forum: Personal Investments
Topic: Tax bracket problem
Replies: 51
Views: 3139

Re: Tax bracket problem

Part of my goal is to prepare for my RMD’s which I will face in in 3-1/2 years. That’s why I need to reduce my dividends before that occurs. Yes, good problem to have with a palatable timeline, but with all this new knowledge it’s hard to keep the horses in the barn. Patience, patience, patience. S...
by retire2022
Tue Aug 27, 2019 2:35 pm
Forum: Personal Investments
Topic: Tax bracket problem
Replies: 51
Views: 3139

Re: Tax bracket problem

by retire2022
Sat Aug 24, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Pet Insurance?
Replies: 26
Views: 1471

Re: Pet Insurance?

op perhaps one should invest in pet stocks? https://money.usnews.com/investing/funds/slideshows/ways-to-invest-in-the-pet-industry?onepage https://www.morningstar.com/etfs/bats/pawz/quote PAWZ is too new but an interesting idea, this maybe cheaper in the long run than pet health insurance, or perhap...
by retire2022
Sat Aug 24, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8941

Re: Do you sacrifice to save?

op Thomas Stanley and William D. Danko authors the "Millionaire Next Door" makes their case for savings so does Mr Money Mustache https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retireme...
by retire2022
Thu Aug 22, 2019 2:43 pm
Forum: Investing - Theory, News & General
Topic: Chinese property bubble?
Replies: 59
Views: 2929

Re: Chinese property bubble?

USA investors has consumer economy which Chinese investors do not.

Hence Chinese investors has manufacturing and greater savings rates than Americans and greater GDP.

We shall see what plays out in the global economy in the future.
by retire2022
Thu Aug 22, 2019 1:11 pm
Forum: Investing - Theory, News & General
Topic: Chinese property bubble?
Replies: 59
Views: 2929

Re: Chinese property bubble?

The building is useless if you no longer own the land, buildings are not something you can relocate to other land in a cost effective way, so for all intents and purposes, it's not really owned by you either. My distance cousin asked my uncle for funds to fix the roof, my distance cousin since pass...
by retire2022
Thu Aug 22, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: Chinese property bubble?
Replies: 59
Views: 2929

Re: Chinese property bubble?

There is no private property ownership in China. All of it is leased from the government. Very long lease terms but leased nonetheless. Imagine leasing a car as an investment hoping someone will assume your car lease for more than you paid and not using it... The building is private the land is not...
by retire2022
Thu Aug 22, 2019 11:29 am
Forum: Investing - Theory, News & General
Topic: Chinese property bubble?
Replies: 59
Views: 2929

Re: Chinese property bubble?

Op my great grandfather built the family estate and had a store. Both lost because of the Japanese, first store all goods were eaten. Uncle was deeded the house but moved to Guandong because jobs in urban center. Because he was deemed landowner aka bourgeoisie he was sent to reeducation camp. My cou...
by retire2022
Wed Aug 21, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7396

Re: Are there advantages to being married to a teacher?

I didn't see any discussion of what I'm about to add, but my apologies if it's already been discussed. If a teacher (cop, fire fighter, or paramedic as well) lives in a HUD "revitalized area" they're eligible to participate in the 'Good Neighbor Next Door' (GNND) program. Basically, you get first o...
by retire2022
Tue Aug 20, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: Fallen Tree clearing
Replies: 27
Views: 1800

Re: Fallen Tree clearing

op

If you can get a guy with mini excavator and a pickup truck with trailer to saw mill they can do this:

https://www.youtube.com/watch?v=0-amhY_zMVE
by retire2022
Tue Aug 20, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Fallen Tree clearing
Replies: 27
Views: 1800

Re: Fallen Tree clearing

Op I have a relationship with a woodturner, I recommend you google local guild or association. He has come onto my property and taken oak and cherry wood without charge. If you are concerned about liability just make sure you have an simple indemnity form executed by both the cutter and property own...