Search found 259 matches

by LittleMaggieMae
Thu Aug 06, 2020 9:05 pm
Forum: Personal Consumer Issues
Topic: Extending concrete patio in sloped yard creating a large drop-off
Replies: 16
Views: 835

Re: Extending concrete patio in sloped yard creating a large drop-off

No building code violation for that patio? ?huh? cool. I'm thinking your best bet would be to do a variation on "deck railings and seating" - do a google. I'd also consider having a "cover" or a pergola that you can incorporate into the "railings/seating". The best patios/decks I've been on have had...
by LittleMaggieMae
Thu Aug 06, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: Extending concrete patio in sloped yard creating a large drop-off
Replies: 16
Views: 835

Re: Extending concrete patio in sloped yard creating a large drop-off

Could you do a "raised" bed and plant something "evergreen" -y or shrub/bush that flowers - which when they are bigger - will give people on a patio the visual cue about the end of the patio? Alternately could you put up a "trellis" wall along that edge with or without something vine-y that will gro...
by LittleMaggieMae
Thu Aug 06, 2020 12:44 pm
Forum: Personal Investments
Topic: Advice on purchase of rental property
Replies: 11
Views: 540

Re: Advice on purchase of rental property

Just an FYI: your property tax and insurance expense may be LOTS more than the previous owners.... do you know your local building codes? will the building need "bring it up to code before or after it's sold" stuff? Are you prepared to navigate that (either in the bid you put in on the property/cont...
by LittleMaggieMae
Thu Aug 06, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Congratulations, You’ve won a million dollars ....
Replies: 20
Views: 4821

Re: Congratulations You’ve won a million dollars ....

FWIW: I think the AGT 1st place winners see it more as a stepping stone to bigger fame and fortune rather than an end in itself. I suspect even the top 5 acts (I've never watched the show - so I don't know how good of acts get into the end competition to make it interesting for viewers) see the expe...
by LittleMaggieMae
Tue Aug 04, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: New house... replace toilets?
Replies: 25
Views: 1903

Re: New house... replace toilets?

Is the guy who gave the advice a plumber? I'm thinking that's a great way to get more work/create a bigger bill. EDITED: (I see the house is only 30years old... ) I'm a big fan of old houses (as in 70 years and older)... and generally if you aren't fixing the floor or replacing a toilet - you don't ...
by LittleMaggieMae
Tue Aug 04, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: Average gas mileage- how accurate?
Replies: 35
Views: 1666

Re: Average gas mileage- how accurate?

I'm not sure what is being asked... so here goes: I'm driving a 2011 toyota. The sticker on the window when I bought it claimed that the vehicle would get 22 city/28 highway. I don't drive alot of miles. Mostly stop and go City driving. The vehicle consistently get 25 miles to the gallon WHEN I AM T...
by LittleMaggieMae
Tue Aug 04, 2020 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Rental property investing and #'s explained (why real estate can be a great investment)
Replies: 121
Views: 6829

Re: Rental property investing and #'s explained (why real estate can be a great investment)

For this particular rental, about $20 to rekey it. Thats it. Me and my wife cleaned it ourselves. It was recently painted by the previous owner and they left us the paint for touch up which we did ourselves. All the appliances except washer/dryer were included in the purchase and were nice stainles...
by LittleMaggieMae
Mon Aug 03, 2020 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property investing and #'s explained (why real estate can be a great investment)
Replies: 121
Views: 6829

Re: Rental property investing and #'s explained (why real estate can be a great investment)

Question for the OP: how much was spent after purchase of the house to get it ready for the first renter? Just curious. I second the "it's location, location, location and a little bit of being in the right place at the right time and having the $$ to be able to move quickly on the opportunity". I'v...
by LittleMaggieMae
Mon Aug 03, 2020 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help me find the flaw here (Hypothetical: Old car replacement cost v new car repair cost)
Replies: 4
Views: 394

Re: Help me find the flaw here (Hypothetical: Old car replacement cost v new car repair cost)

If you will drive both cars as long as possible. If both cars are "daily drivers". I would protect the newer car. I would do what I could to protect the car that gets left out - move it higher ground and away from any trees that might fall... etc. If the older car is a 'hobby car' or a specialty tru...
by LittleMaggieMae
Mon Aug 03, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Home purchase: extended coverage title insurance versus Municipal Records Search
Replies: 11
Views: 569

Re: Home purchase: extended coverage title insurance versus Municipal Records Search

Would considering the house make a difference in which "insurance" to take? Are you buying a recently "remodeled" to update to modern tastes and to be move in ready house? How much of the house (that you cannot see) was updated? Plumbing? electrical? city drains? septic? well? Lots of it's basic sys...
by LittleMaggieMae
Sun Aug 02, 2020 12:22 am
Forum: Personal Consumer Issues
Topic: Fruit/vegetable planning for winter cooking
Replies: 10
Views: 927

Re: Fruit/vegetable planning for winter cooking

I freeze many of the "ingredients" for fall and winter recipes. Think about your fall "menu plans" and then look for and freeze the produce that goes with those recipes. I prep and freeze bok choi, pac choi, kale, or chard whatevers look good. I will buy a variety of mushrooms at the farmers market ...
by LittleMaggieMae
Sat Aug 01, 2020 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?
Replies: 79
Views: 3718

Re: Thinking about getting a debit card. Has anyone here be a victim with a debit card and what did you have to do abo

Not me, but my BFF (since HS). This is dated, happened about 15 years ago. my best friend is very "conservative" and a little afraid of all things money. She found she could use her debit card versus writing a check at check out (and more stores were frowning on payment by check). Her debit card cou...
by LittleMaggieMae
Fri Jul 31, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Another would you do this refinance (pay down loan with another loan)
Replies: 10
Views: 484

Re: Another would you do this refinance (pay down loan with another loan)

If you are going to commit to "paying off" a 50K side loan in 12 to 18 months... why not just hit your current 3.25% mortgage with that extra money each month for the next 12 to 18 months? It's early in your mortgage (so paying the bulk of interest) so paying the balance down does save you money. I ...
by LittleMaggieMae
Fri Jul 31, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: Replacing appliances--buy dumb
Replies: 53
Views: 4225

Re: Replacing appliances--buy dumb

I've got a kenmore no agitator top load machine. It gets my clothes clean (I'm kind of amazed at how good it is at getting stuff clean), uses less water, and is really energy efficient. But, it also takes little bites out of bed sheets and t-shirts when I use the wrong cycle (one with a high/fast sp...
by LittleMaggieMae
Fri Jul 31, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: When did your investments outweigh your mortgage?
Replies: 46
Views: 3804

Re: When did your investments outweigh your mortgage?

I was pretty excited when my net worth hit 0 (when my liabilities (mortgage/car loan/etc equaled my assets (retirement $, EF, equity in house,etc) after being negative for what felt like decades. I didn't do anything different with my money - I had a plan and I was working it. I did start thinking ...
by LittleMaggieMae
Fri Jul 31, 2020 12:50 pm
Forum: Personal Investments
Topic: Where to put my down payment?
Replies: 8
Views: 654

Re: Where to put my down payment?

Would a local bank (or Credit Union or Savings and Loan) give you a "bonus" for moving that much money to them? Would you get a preferred customer % on a CD with that much money? When you buy the house - at least all the DP money will be in one place (and have been there long enough to not raise the...
by LittleMaggieMae
Thu Jul 30, 2020 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for retirement vs paying down debt
Replies: 17
Views: 1848

Re: Saving for retirement vs paying down debt

Are you putting money on the side for Property Taxes and House Insurance? I'm pretty sure Mortgage Forbearance is just the Principle and Interest part of the payment. If you haven't been sending in the TI part of your mortgage payment - it could come 'due' quickly once the Forbearance ends or at so...
by LittleMaggieMae
Thu Jul 30, 2020 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: When did your investments outweigh your mortgage?
Replies: 46
Views: 3804

Re: When did your investments outweigh your mortgage?

I was pretty excited when my net worth hit 0 (when my liabilities (mortgage/car loan/etc equaled my assets (retirement $, EF, equity in house,etc) after being negative for what felt like decades. I didn't do anything different with my money - I had a plan and I was working it. I did start thinking a...
by LittleMaggieMae
Thu Jul 30, 2020 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for retirement vs paying down debt
Replies: 17
Views: 1848

Re: Saving for retirement vs paying down debt

Are you putting money on the side for Property Taxes and House Insurance? I'm pretty sure Mortgage Forbearance is just the Principle and Interest part of the payment. If you haven't been sending in the TI part of your mortgage payment - it could come 'due' quickly once the Forbearance ends or at som...
by LittleMaggieMae
Wed Jul 29, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Need to destroy old external Hard Drives
Replies: 103
Views: 5449

Re: Need to destroy old external Hard Drives

If you go the hammer or other physical destructive paths, wear safety glasses and gloves. Platters have a lot of glass and when they shatter pieces can fly everywhere. I put things inside a paper bag and broke it but I can easily see someone getting hurt doing the destructive method. (I've done thi...
by LittleMaggieMae
Wed Jul 29, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Need to destroy old external Hard Drives
Replies: 103
Views: 5449

Re: Need to destroy old external Hard Drives

If the drives will be put into the trash (and not recycled) wouldn't letting them have a soothing long soak (say overnight) in a bucket of warm sudsy water do the job? Maybe let them 'dry out' in your garage (someplace dark and cool) for a few days - to get some rust/mold/mildew growing? That way if...
by LittleMaggieMae
Wed Jul 29, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: I agree that Investing is better than paying off mortage but.....
Replies: 71
Views: 5809

Re: I agree that Investing is better than paying off mortage but.....

Assuming I am going to pay it off early prior to retirement should I just pay off the principal each month or should I wait until I get closer to retirement and use my 457b and pay off the majority in one lump sum? Paying down the principle early in the mortgage saves on interest. You can find a mo...
by LittleMaggieMae
Tue Jul 28, 2020 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a second home?
Replies: 73
Views: 5611

Re: Can we afford a second home?

Assuming we can even afford a second home, my next problem is figuring out how to pay for it. If you haven't figured out how to pay for the second home (the initial cost AND the monthly upkeep when you aren't there) then you can't afford a second home. Figure out how much extra $$$ you have in your...
by LittleMaggieMae
Mon Jul 27, 2020 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a property in central Florida a good idea or not
Replies: 49
Views: 4340

Re: Buying a property in central Florida a good idea or not

Property price $400k, 20% down = $80k Total payments (P&I, T&I, HOA, Maint.) = $2500 p.m Rental income to cover everything except Principal let's assume = $1500 p.m Monthly cost = $1000 towards principal 10 years investment $200K Appreciation @3% on $400K property = $537K total value at 10 years Mi...
by LittleMaggieMae
Mon Jul 27, 2020 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to buy this piece of property?
Replies: 19
Views: 1685

Re: Can I afford to buy this piece of property?

Will you eventually have the million dollars plus to build a house on that property? Is the property really "house friendly" - in that you CAN put in a well, septic, electricity, as well as a house and out buildings - IN THE PLACES on the property you want to? (I've heard stories of the great peice ...
by LittleMaggieMae
Mon Jul 27, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Buying a property in central Florida a good idea or not
Replies: 49
Views: 4340

Re: Buying a property in central Florida a good idea or not

Keep in mind that the property will need maintenance (possibly a roof, AC, new appliances) over the 10 years or more while it waits for you to retire. Keep in mind you might not want to make the house "perfect" for YOU to live in before you rent it out, because when you take the house back to retire...
by LittleMaggieMae
Sat Jul 25, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Forgo a year of retirement contributions to spend on self?
Replies: 45
Views: 3960

Re: Forgo a year of retirement contributions to spend on self?

How does this work... it sounds like about 15K is needed to do a remodel or to "buy some luxuries" and it's presented as a one time thing. (I'm going with 15K because maybe 5K or so would be needed to get the employers match with a 401K... and maxing a 401K is 19,500...) So, it sounds like the choic...
by LittleMaggieMae
Sat Jul 25, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Getting homeowner's insurance for new house - they want a copy of inspection report
Replies: 21
Views: 1707

Re: Getting homeowner's insurance for new house - they want a copy of inspection report

I did have to supply the Wind Mitigation and an Elevation report separately to ALL the Insurance companies for the second home - even the companies that were quoting me policies $600 and higher than the company that wanted the additional inspection. I was able to use the previous owners Wind and Ele...
by LittleMaggieMae
Thu Jul 23, 2020 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Getting homeowner's insurance for new house - they want a copy of inspection report
Replies: 21
Views: 1707

Re: Getting homeowner's insurance for new house - they want a copy of inspection report

I had to pay for a "4 point" inspection in order to get homeowners insurance for a newly purchased second home house in Florida. Without the 4 point inspection the insurance was $600 more expensive per year. The inspection report generated a "demand" from the insurance company to have a couple of is...
by LittleMaggieMae
Thu Jul 23, 2020 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Best option to pay for large unexpected expense
Replies: 40
Views: 2614

Re: Best option to pay for large unexpected expense

If you have enough equity to do a refi to get the 15K - why not just look into HELOC? I'm assuming you won't need 30 years to pay back the borrowed 15K. The nice thing about setting up the line of credit is that you avoid having this dilemma the next time you need a access to a large sum of money fo...
by LittleMaggieMae
Wed Jul 22, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: beginning of end of tech outperformance - linkedin to layoff 6%
Replies: 53
Views: 4633

Re: beginning of end of tech outperformance - linkedin to layoff 6%

6% of 15000 is 900. With 15000 employees - I would assume linkedin has lots of office space - probably in multiple cities - possibly in "prestigious address" office buildings. I would think maybe those offices have "in house support" from tech and the mail room, to food service and maybe even "build...
by LittleMaggieMae
Tue Jul 21, 2020 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Financing land purchase via mortgage
Replies: 3
Views: 356

Re: Financing land purchase via mortgage

A Home Equity Loan (HEL) with a fixed rate, fixed payment, and duration might be better than a HELOC (Home Equity Line Of Credit) which has a variable rate, might have a payment of interest only (so it's up to you to pay down the balance or not) and may have a balloon payment at the end of the durat...
by LittleMaggieMae
Tue Jul 21, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Periodic payments, for future ownership (after last payment)
Replies: 7
Views: 224

Re: Periodic payments, for future ownership (after last payment)

We're taking ownership of a product that is currently being built. It will be available in October when completed. sounds a bit like using a lay away plan to purchase something (a big ticket item?) from a store. There's usually a fee involved with this service. I've purchased custom made things whe...
by LittleMaggieMae
Mon Jul 20, 2020 11:16 pm
Forum: Personal Consumer Issues
Topic: Duct Cleaning- Your Thoughts
Replies: 37
Views: 2246

Re: Duct Cleaning- Your Thoughts

I guess it would depend on how icky the vent covers are... if the vent covers are covered in pet hair and dust and the house hasn't been cleaned in years - I'd probably clean the ducts. If the vent covers are covered in pet hair/dust/ick - it's a pretty good bet alot of that went INTO the ducts and ...
by LittleMaggieMae
Mon Jul 20, 2020 5:16 pm
Forum: Investing - Theory, News & General
Topic: Why no prepayment penalty on mortgages?
Replies: 32
Views: 3229

Re: Why no prepayment penalty on mortgages?

Don't get me wrong. This is one of the best and most consumer friendly deals out there. And I have benefited tremendously from it. For the life of me, I don't understand why there is no prepayment penalties on mortgages. You agreed to loan me X and Y rate for Z term. But, as soon as a better deal c...
by LittleMaggieMae
Mon Jul 20, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: cheap, easy, temporary heat blocking stuff for windows?
Replies: 44
Views: 2436

Re: cheap, easy, temporary heat blocking stuff for windows?

Before I applied the special film to block the heat/uv rays on my windows - I would tape up sheets of tissue paper (like the kind you use in wrapped presents) to cover the window glass. I would then close the blinds/shades. During really bad heat waves (or when there is no break in the heat and the ...
by LittleMaggieMae
Wed Jul 15, 2020 7:11 pm
Forum: Personal Consumer Issues
Topic: Advice on a more livable place
Replies: 145
Views: 12052

Re: Advice on a more livable place

Naperville Lol it indeed has been named one of the best places to live in the nation. And it would be in the same time zone as your employer. If your employer is on CST and you move to the East Coast (an hour ahead) - how will that work with your telecommuting? What happens when you have a meeting ...
by LittleMaggieMae
Wed Jul 15, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Old toilet(1.6 GPF) vs new toilet(1.28 GPF)
Replies: 38
Views: 2469

Re: Old toilet(1.6 GPF) vs new toilet(1.28 GPF)

I had a 20 year old (ok probably closer to 25 yo) standard cheapest low water usage toilet replaced with an Off the Shelf with a Kohler Elmbrook The Complete Solution 2-Piece 1.28 GPF Single Flush Elongated Toilet in White with Quiet-Close Seat Included. It' s "chair hieght" or something like that. ...
by LittleMaggieMae
Tue Jul 14, 2020 5:53 pm
Forum: Personal Consumer Issues
Topic: Indoor Plants + Gnats
Replies: 19
Views: 930

Re: Indoor Plants + Gnats

Just alittle TMI about gnats. They have a life cylce: Frisky adults flying around looking for love, the eggs they lay in the soil, the larva the hatched eggs become, and then frisky flying adults looking for love. The cycle from frisky adult to the next round of frisky adults is something like 10 to...
by LittleMaggieMae
Tue Jul 14, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: Indoor Plants + Gnats
Replies: 19
Views: 930

Re: Indoor Plants + Gnats

If the OP returns to this thread: Google for the "recipe" for a water and hydrogen peroxide mixture that you will water your plants with after you've let them dry out. For some reason, I take care of a bunch of office plants (spider plants, snake plants, various ivy plants, a couple of peace lillies...
by LittleMaggieMae
Sat Jul 11, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: House with high tension power lines in backyard
Replies: 71
Views: 4674

Re: House with high tension power lines in backyard

Will you being living in the house or will it be a rental property? I wouldn't buy it if I was going to live there (as in I would be living with it for 10 or 15 or 20 years) and my criteria is "don't want loud noise (from roads or trains or planes) or traffic from a busy/thru street or highway the p...
by LittleMaggieMae
Sat Jul 11, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Housing Decisons
Replies: 20
Views: 1142

Re: Housing Decisons

FYI: there is a kind of A/C unit that you don't put in a window, but it does use a window. It's called a "portable air conditioner". A friend uses one to suppliment an in the wall AC unit in her apartment. It looks like a Star Wars droid or like a modern kitchen trash can. It needs to vent to a wind...
by LittleMaggieMae
Sun Jul 05, 2020 3:02 pm
Forum: Personal Investments
Topic: Retirement plan change . . .am I about to do something stupid??
Replies: 31
Views: 4536

Re: Retirement plan change . . .thoughts, criticisms??

On the other hand, I have a 25 year history of paying large tax bills and know how it annoys me. I'm sorry it annoys you. Perhaps a little thanks for paying those taxes is in order? Thank you for paying taxes. Thank you for aany and all of the money that filtered down to my dear friends and relativ...
by LittleMaggieMae
Sun Jul 05, 2020 3:00 pm
Forum: Personal Investments
Topic: Retirement plan change . . .am I about to do something stupid??
Replies: 31
Views: 4536

Re: Retirement plan change . . .thoughts, criticisms??

On the other hand, I have a 25 year history of paying large tax bills and know how it annoys me. I'm sorry it annoys you. Perhaps a little thanks for paying those taxes is in order? Thank you any and all of the money that filtered down to dear friends and relatives who have hit a hard patches in th...
by LittleMaggieMae
Sat Jul 04, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Landlords: How are you doing this year?
Replies: 113
Views: 11785

Re: Landlords: How are you doing this year?

moral dilemma question: I have friends who can’t even a home and here I am buying one after another. Have you ever felt like you shouldn’t invest in rental properties because you are taking inventory off the housing market? I've had a bit of uneasiness about this myself. The thing is, I'm not looki...
by LittleMaggieMae
Fri Jul 03, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: Risk with a malfunctioned fuel gauge
Replies: 51
Views: 2075

Re: Risk with a malfunctioned fuel gauge

I drove a car with a broken gas gauge for 8 years (The dealership attempted to fix it - failed and then told me it would cost $1200 to replace it - this was in 1993... so an exhorbitant amount of money. ) The trip odometer still worked. I would top off the tank every time I got to 150 miles. (I used...
by LittleMaggieMae
Fri Jul 03, 2020 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: considering paying cash for house- What would you do?
Replies: 54
Views: 3711

Re: considering paying cash for house- What would you do?

The P&I on the 200K mortgage (for 30 years at 3%) will be about $850.00 (off the top of my head...) I'm having a hard time imagining that with a 170K income having an "extra" $850 a month (being mortgage free) will feel all that freeing or wonderful. If it was me, I'd take the mortgage and retain th...
by LittleMaggieMae
Thu Jul 02, 2020 10:31 pm
Forum: Investing - Theory, News & General
Topic: Is investment a competition?
Replies: 43
Views: 2424

Re: Is investment a competition?

Another book to read might be "your money or your life" by Vicki Robin and Joe Dominguez. It's not about investing or saving. It's about doing the introspection necessary to figure out your relationship with money. It's about the introspection necessary to figure out what you value in life. And then...
by LittleMaggieMae
Thu Jul 02, 2020 2:09 pm
Forum: Investing - Theory, News & General
Topic: Is investment a competition?
Replies: 43
Views: 2424

Re: Is investment a competition?

Edited: I see you are talking current (and maybe retirement future) I guess it is a competition if you intend to stay in the area/place you currently live no matter what happens and if you are striving to have the same quality of living as those with the highest incomes now (and when you retire). I'...
by LittleMaggieMae
Thu Jul 02, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Buying house without realtors
Replies: 84
Views: 5020

Re: Buying house without realtors

I've found a Real Estate Agent useful for getting me info about local properties for sale right before the property hit the listing services. I've found a real estate agent (who had experience dealing with foreclosures/short sales/203k loans) to be extremely helpful and worth the expense. I've found...