Search found 816 matches

by Cubicle
Mon May 25, 2020 11:05 pm
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 32
Views: 2200

Re: MEMORIAL DAY

I hope everyone, not just on this board, but all who live in this fantastic & great nation, took a few moments to learn/think why "Memorial Day" is a holiday. It's not just about the beach & barbecue. Sadly I doubt the portion who did is very small. Thank you to everyone who has done this I never co...
by Cubicle
Mon May 25, 2020 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Customer hasn't paid me not worth cost of lawyer but...
Replies: 40
Views: 3901

Re: Customer hasn't paid me not worth cost of lawyer but...

Sorry to hear OP. Always a gut punch when this happens. I try to walk a fine line between "I understand" & "pay me now". I have broken out the "things are really lean on my end, I'll really need half now to tide my operations over until you can get me the rest". Cash at the time of service is king. ...
by Cubicle
Sat May 23, 2020 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: ELI5 P2P payments: explain like I'm 5, person to person payments
Replies: 5
Views: 394

Re: ELI5 P2P payments: explain like I'm 5, person to person payments

+1 for Zelle. I feel, maybe unfoundedly, most secure with Zelle as it is a product of the big banks. As opposed to a 3rd party product from Square, PayPal, etc... No fees, usually instant.

The Zelle recipient gets a notification money has been deposited into their account. Text or email.
by Cubicle
Fri May 22, 2020 11:08 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 81
Views: 3804

Re: Tips to stick to a weight loss diet?

Losing weight: I put up little notes where I'd see them. Some were my goal weight. Some were just dopey sayings (Look good naked.). Some were names of (attractive) women I said I'd have to match their physique to have a 1 in a million shot if I ever ran into them. Maintaining weight: Look in the mir...
by Cubicle
Fri May 22, 2020 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12030

Re: Selling home - low ball negotiation

Attorney review is done. So water testing and inspection are next, then going through the town's inspection for a C.O. Meanwhile, we decided not to raise our bid on the house which we felt was a solid offer. Will end up renting for a year and continue to look due to limited inventory. On a separate...
by Cubicle
Fri May 22, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: 2018-19 SUVs
Replies: 9
Views: 775

Re: 2018-19 SUVs

Have you test driven any one of them? Cliche, but I'd recommend Lexus > Acura > Volvo = BMW for cost of ownership, reliability, & value. Not on your list, but I think the Mazda & Hyundai SUVs are sooooo darn good looking. In my eyes, better than the ones you mentioned. Not a knock on you(!) but a re...
by Cubicle
Thu May 21, 2020 10:57 pm
Forum: Personal Investments
Topic: Finding Bogleheads forum saved me hundreds of thousands of dollars
Replies: 10
Views: 2385

Re: Finding Bogleheads forum saved me hundreds of thousands of dollars

...you really need to think hard about alternative scenario Over the next few months you might want to rethink your asset allocation. I have been thinking about it a lot. Though I know I wasn't prepared for a magnitude & speed of the decline, I remember telling myself that day the markets have alwa...
by Cubicle
Thu May 21, 2020 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12030

Re: Selling home - low ball negotiation

How would you feel if you were selling your house and got an offer 30% below asking price? I would feel they were trying to land a deal. And would gladly counter at whatever price I felt comfortable with. Yeah, this ^^^ . I'd look at the "low" offer, tell myself "they're doing it my way", & then co...
by Cubicle
Thu May 21, 2020 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage - 15 year versus 30 year if both at same interest rate
Replies: 25
Views: 3171

Re: Mortgage - 15 year versus 30 year if both at same interest rate

xerxes101 wrote:
Wed May 20, 2020 4:31 pm
...but the following lenders keep coming up in that thread as the ones that offer the lowest rates:

Better.com <<<$2500 credit AMEX promo
Aimloan
Lenderfi
Northpointe
Owning.com
Thanks for this! Will be spending some time with these.
by Cubicle
Thu May 21, 2020 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12030

Re: Selling home - low ball negotiation

I feel like I've been a jerk the past few years. My initial offers have all been 15-20% below asking price. For my current house, my initial offer was 18% below asking. The counter was slightly higher than my offer, I got it for 17% below asking in the end. If I were selling, I'd never think an inco...
by Cubicle
Thu May 21, 2020 12:00 am
Forum: Personal Investments
Topic: Finding Bogleheads forum saved me hundreds of thousands of dollars
Replies: 10
Views: 2385

Re: Finding Bogleheads forum saved me hundreds of thousands of dollars

I almost panic sold some holding weeks ago. I literally had to only click the "submit order" button on the Vanguard site, I had picked holdings & specified quantities already. I literally stared at the webpage & slowly talked myself out of it. That day was coincidentally the day my portfolio was at ...
by Cubicle
Wed May 20, 2020 11:51 pm
Forum: Personal Consumer Issues
Topic: “Fuzzy” monitor - will moving from VGA to DVI help?
Replies: 12
Views: 569

Re: “Fuzzy” monitor - will moving from VGA to DVI help?

Years ago I "upgraded" my monitor to a no-name 32" widescreen LCD tv, with native VGA input. Less than $110. I will never go back to a "regular" monitor. I don't do any gaming, so maybe that might make a difference. But I now know why some people have dual or tri monitor setups. The extra "screen es...
by Cubicle
Wed May 20, 2020 11:44 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3972

Re: Dual citizen, USA passport expiring, how to travel internationally

As for the reference in the OP's first post to what the "USA State Department" wrote, I don't see a link to where that quote came from so I can't evaluate the credibility of the source. I note that the state department is referred to in official publications as the "U.S. Department of State." I alw...
by Cubicle
Wed May 20, 2020 11:25 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 94
Views: 5954

Re: Alternatives to Craftsman Tools

Many family members are in trades. Plumbing, electrical, HVAC. They use top end stuff. Klein & Milwaukee tier. They swear by it. Even "fan-girl" over the stuff. I get all my tools from Walmart (Hypertough!!! hahaha) & Harbor Freight (a mix of all 99 of their brands). I'm a DIY person, but not by tra...
by Cubicle
Tue May 19, 2020 11:39 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3972

Re: Dual citizen, USA passport expiring, how to travel internationally

Can you provide an update when you get it? I am wondering how it went at the office, which in your OP you said is currently open to only life and death situations. If I remember correctly, one needs to make an appointment - was he able to secure one? Or is that no longer necessary? I would love to ...
by Cubicle
Tue May 19, 2020 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage - 15 year versus 30 year if both at same interest rate
Replies: 25
Views: 3171

Re: Mortgage - 15 year versus 30 year if both at same interest rate

Gosh I have been looking for a below 3% mortgage for a few weeks now. There is always some catch. Enormous closing costs. Points. "Not for your scenario."

Ugh...
by Cubicle
Mon May 18, 2020 11:14 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3972

Re: Dual citizen, USA passport expiring, how to travel internationally

Renew them out of sequence soon, or you could have the same problem with *both* of them in ~5 years :( I don't remember the exact expiration years, but they are, almost to the day, 2 years apart the last I mentally jotted it down. It's just remembering after 9.5 years to actually remember to renew!
by Cubicle
Mon May 18, 2020 11:12 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 97
Views: 14226

Re: Lowes vs Home Depot

(Big) Home Depot fan. I do a lot of DIY stuff. So do family members. We're more function over form. Lowes has prettier stuff, maybe. Home Depot has better pricing on "raw" stuff (plywood, lumber, plumbing, electrical) & we are magnitudes more comfortable/familiar. And Home Depot is much more common ...
by Cubicle
Mon May 18, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3972

Re: Dual citizen, USA passport expiring, how to travel internationally

The continued replies are extremely helpful (& admittedly fascinating to me for some reason). Family member was pursuing an open in person acceptance facility this morning. I know they had their identity documents with them. I did not get a status update from them. But all in all they are making an ...
by Cubicle
Mon May 18, 2020 10:49 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4026

Re: Vault Safe in the attic; welded, anyone ?

I think OP has a good line of thought. And it's not the most frivolous idea. I also subscribe to the theory a determined baddie will get their way. But the objective is to make your house/car/safe/valuables less attractive than the next one. I do think though that hiding a safe in the attic is a dar...
by Cubicle
Mon May 18, 2020 10:39 pm
Forum: Forum Issues and Administration
Topic: New bogleheads induction [Request for new subforum]
Replies: 55
Views: 3054

Re: New bogleheads induction [Request for new subforum]

For this discussion, the intent is to put everyone who doesn't follow the Bogleheads investment philosophy into a separate category. That's not going to happen. ... So why do they come here ? We're mainly a DIY (Do It Yourself) investing forum. ... We need to recognize that new investors don't know...
by Cubicle
Sun May 17, 2020 11:16 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3972

Re: Dual citizen, USA passport expiring, how to travel internationally

Thank you to everyone who posted helpful responses. I honestly did not consider the airline would be the gatekeeper. I postulated upon arrival back into the USA, the worst that would happen would be detained in NYC for lack of valid passport, but ultimately be sent "home" in Jersey (with a summons t...
by Cubicle
Sun May 17, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: How to connect washing machine drain hose to narrow standpipe
Replies: 17
Views: 772

Re: How to connect washing machine drain hose to narrow standpipe

I don't know how valid/important it may be, but I read somewhere at some point that these newer washers pump water out too fast for 1.5" drain pipes; 2" is the minimum. My (old) house had 1.5". So the "fix" is to drain the washer into a utility sink. The sink: 1) creates an air gap, killing a pressu...
by Cubicle
Sun May 17, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3972

Dual citizen, USA passport expiring, how to travel internationally

Looking for any advice & solutions. Family member: Born in USA (American citizen by birth) Has USA passport, expiring July 2020 Turned 18 two months ago, thus… Received last passport when under 18 years old (can’t renew by mail) Wants to travel to South America in August Is also a citizen of said So...
by Cubicle
Sat May 16, 2020 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Weekly Credit Reports Now Available thru April 2021
Replies: 5
Views: 629

Re: Weekly Credit Reports Now Available thru April 2021

This is timely for me, I'm due for my yearly report checks. But I did come across some oddities, this weekly offering will be very helpful. Thank to OP for posting!
by Cubicle
Sat May 16, 2020 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Not Driving much - Cancel full coverage on car insurance and get liability only - Good idea?
Replies: 11
Views: 1321

Re: Not Driving much - Cancel full coverage on car insurance and get liability only - Good idea?

Depends on the current value of your car.

I don't carry comprehensive or collision on any of my vehicles.
by Cubicle
Fri May 15, 2020 11:10 pm
Forum: Non-US Investing
Topic: The Mighty USD
Replies: 47
Views: 3321

Re: The Mighty USD

Why does it matter? We should all be transferring into Bitcoin as a asset holder & currency medium.
by Cubicle
Fri May 15, 2020 11:09 pm
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3405

Re: Must carry more than one credit card

I specifically keep a MasterCard & Visa credit card with me at all times. I figure that covers 99% of all card accepting businesses.
by Cubicle
Fri May 15, 2020 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 154
Views: 12380

Re: Optimizing PPP Forgiveness

^^^ Thank you for posting this!!!
by Cubicle
Fri May 15, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3313

Re: What to do with canned chicken?

Stuffed dishes. Calzones, strombolis, empanadas, etc... Basically make/buy some flour crust, fill with chicken & vegetables/spices/sauces/cheeses, roll/fold, bake. When done, eat the entire thing yourself, or slice into appetizer pieces for a get together. Stir frys. Self explanatory. Serve over ric...
by Cubicle
Wed May 13, 2020 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Family member returning borrowed money?
Replies: 27
Views: 3060

Re: Family member returning borrowed money?

The red flag would be trying to disguise the repayment. Small spaced out payments typically. I'd recommend the check, all in 1 lump sum. If there are questions, there is only 1 transaction on 1 date to be investigated. And the probability this raises any flags approaches zero the longer you think ab...
by Cubicle
Wed May 13, 2020 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: finding someone to discuss numbers
Replies: 12
Views: 1131

Re: finding someone to discuss numbers

Oh I wish there were a dating site centered around BogleHead principles. I won't rant on the financial non starters I've encountered while dating. But I have stories for days.
by Cubicle
Wed May 13, 2020 10:59 pm
Forum: Personal Consumer Issues
Topic: kia ivt failures [Intelligent Variable Transmission]
Replies: 6
Views: 633

Re: kia ivt failures

I'd get it replaced under warranty, then if you can get in writing that a 2nd replacement would be covered within the original warranty time & mile terms, I'd keep the car.

If you can't be assured in writing of such, I'd be tempted to replace the car.
by Cubicle
Wed May 13, 2020 10:56 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10750

Re: Dentist charges $10 for PPE

I'd pay the fee. I'd prefer not to, but a good dentist + them not closing = I'd rather not lose them.
by Cubicle
Wed May 13, 2020 10:45 pm
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2055

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

Personally my best primary doctors have come from visiting multiple until I found one I didn't dislike. I never gave credence to medical school, residency, boarding, research, etc... How reasonable, logical, friendly, & receptive are you when I'm sitting/standing in front of you? When I throw out st...
by Cubicle
Wed May 13, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: What will you do this summer of 2020 [to keep young kids active?]
Replies: 11
Views: 1309

Re: What will you do this summer of 2020 if..

Hard labor smashing bricks under the summer sun? Pouring concrete foundations for a deck? Pruning the 55' tall tree? Tilling the land??? ______________________________ I don't think this July & August will need to be vastly different than prior years. I wouldn't prevent them from running around with...
by Cubicle
Wed May 13, 2020 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: PPP - Loss of Revenue
Replies: 20
Views: 1518

Re: PPP - Loss of Revenue

Thank you for posting the SBA link!
by Cubicle
Tue May 12, 2020 11:17 pm
Forum: Personal Consumer Issues
Topic: Advice for upcoming foot surgery
Replies: 37
Views: 2083

Re: Advice for upcoming foot surgery

Without getting into medical advice, you'd be wise to query your doctor about deep vein thrombosis risk & if any interventions are needed to reduce risks. Do keep the cast clean. Dirty casts are tell tail signs it's been walked on. Don't put any pressure on it. They are unstable (& can be made more ...
by Cubicle
Tue May 12, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 4818

Re: 90%+ chocolate bar

Another vote for baking coco. Some brands are painfully butter. But easy to find at most grocery stores or big box retailers.

Baking chips also work.

I find I can do the 100% stuff if I do not chew it. I let it melt on my tongue for several minutes.
by Cubicle
Mon May 11, 2020 11:39 pm
Forum: Personal Consumer Issues
Topic: Got divorced how to get most value for exes wedding ring
Replies: 42
Views: 5075

Re: Got divorced how to get most value for exes wedding ring

Craigslist and/or facebook marketplace can help.
by Cubicle
Mon May 11, 2020 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Home improvement and capital gains
Replies: 7
Views: 945

Re: Home improvement and capital gains

Thank you both! Exactly what I wanted to know. I thought I was being foolish for saving & recording all my improvements if I would have had them disregarded in the exclusion. Great information. ✓✓✓
by Cubicle
Mon May 11, 2020 12:43 am
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4787

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

why are you cutting into the pipe btw? Pulling out a leaded (& oakum) in cleanout fitting so I can fit a pvc pipe into it. I needed another access into the drain pipes. Thought I was going to cut the hub, but ended up drilling the lead out, chiselling a ton, then more, pulling the cleanout, more ch...
by Cubicle
Mon May 11, 2020 12:36 am
Forum: Personal Consumer Issues
Topic: Coffee-grounds/beans/leftover - uses in garden besides compost
Replies: 10
Views: 1426

Re: Coffee-grounds/beans/leftover - uses in garden besides compost

I dry the grounds out in a bowl for a day or 2, then transfer into an older coffee container & keep it in the refrigerator with the lid off. I rad somewhere the grounds help absorb fridge odors.

When the fridge coffee can is full, mother gets it for gardening stuff.
by Cubicle
Sat May 09, 2020 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Home improvement and capital gains
Replies: 7
Views: 945

Re: Home improvement and capital gains

I'm going to piggy back on this thread. Do improvements add on top of the $250,000/$500,000 capital gains exclusion? Example: Year 2000 single person buys house for $300,000. Primary residence, first time homeowner. Year 2010 spends $50,000 in remodeling costs, saves every receipt & invoice. Year 20...
by Cubicle
Sat May 09, 2020 1:01 am
Forum: US Chapters
Topic: 75th Anniversay of VE Day - Thank you Taylor and others
Replies: 11
Views: 683

Re: 75th Anniversay of VE Day - Thank you Taylor and others

Ah yes! Thank you to everyone who risked their lives so many more of us could be here today. It cannot be remembered or said enough.
by Cubicle
Sat May 09, 2020 12:54 am
Forum: Personal Consumer Issues
Topic: Does anyone have faucets or appliances hooked up that they never run?
Replies: 7
Views: 887

Re: Does anyone have faucets or appliances hooked up that they never run?

I crack the seals on the sink/tub/toilet in the bathroom I never use weekly. Mostly to keep the p traps filled. And to exercise just a bit the mechanisms. In winter I shut my outside hose spigot from the basement & leave the valve 90% open. In warm weather I use it enough. Appliances too? A 2nd stov...
by Cubicle
Sat May 09, 2020 12:47 am
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4787

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

This thread is meaningless without pictures of the gobs of gunk you all are removing from your drains. :D Ewwww... please no. I'm following this thread for knowledge. But have been squeamish at the mental imagery. Coincidentally I'm in the midst of cutting into my home's cast iron sewer pipe. Part ...
by Cubicle
Sat May 09, 2020 12:43 am
Forum: Personal Consumer Issues
Topic: Does keeping ice packs in fridge save energy?
Replies: 27
Views: 2696

Re: Does keeping ice packs in fridge save energy?

So to add a little fuel to the fire, would it make sense to freeze ice packs in a deep freezer than transfer them to the refrigerator? A deep freezer has no fridge portion. It's only mission is to maintain a freezing temperature. And the ones I've been around have better insulation. As a one trick p...
by Cubicle
Sat May 09, 2020 12:34 am
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 46
Views: 2647

Re: Thank you, moderators!

I would say this forum is very strict. Some people say too strict. But I welcome it. That's why it runs & operates so well. I don't always agree, but the results speak for themselves. I'm very happy to have found the BogleHeads forum. And happy to be here. Thank you all on the administration, modera...
by Cubicle
Wed May 06, 2020 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone receive PPP loan as a NEW businesses/independent contractor?
Replies: 11
Views: 576

Re: Anyone receive PPP loan as a NEW businesses/independent contractor?

f. What amounts shall be eligible for forgiveness? The amount of loan forgiveness can be up to the full principal amount of the loan plus accrued interest. The actual amount of loan forgiveness will depend, in part, on the total amount spent over the covered period on: i. Payroll costs including sa...