Search found 1710 matches

by BW1985
Mon Jan 22, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 3855

Re: Refinishing roughed in stairs - removing carpet

...More likely green wood was used or the wood was not allowed to acclimate for at least a couple of days in its new home prior to installation. Old time carpenters know that. A lot of modern handymen do not. The treads sat in our house for a week prior to installation so that wasn't an issue. ... ...
by BW1985
Mon Jan 22, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 3855

Re: Refinishing roughed in stairs - removing carpet

I would wait until warm weather. They will probably close up and then open again next winter. I am typing this at a Cherry desk I built a few years back and has a surface 24" wide front to back. Made out of four boards glued up each roughly 6" wide. In the Summer, that will measure at least 24 1/4"...
by BW1985
Mon Jan 22, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 3855

Re: Refinishing roughed in stairs - removing carpet

My 2cents If the oak is on the thin side, it may have cracked on a glue line. Doesn't take much stress. Overall, a glued-up board is more stable than a solid wide piece. So I wouldn't fret about the glue joints per se. Generally, the glue joints are the strongest part provided the joint is sound. P...
by BW1985
Sat Jan 20, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 46
Views: 2108

Re: Home Humidifier input please

I tried one once. A very cheap one and I don't remember the details. The problem I had with it is that we have very hard tap water, and the humidifier output a fine white powder of mineral residue that got all over everything. No water softener? That's right. No water softneer. We have a water soft...
by BW1985
Fri Jan 19, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 3855

Re: Refinishing roughed in stairs - removing carpet

We have stringers too, he ripped off the framing lumber from the stringers and then installed the treads and risers to them. I have a feeling that the most HD will say is the'll give me some new treads. That doesn't help me because then I'd still need to have a carpenter rip out the existing ones, i...
by BW1985
Fri Jan 19, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 46
Views: 2108

Re: Home Humidifier input please

We have an Aprilaire bypass unit in our main house. We have a second, separate space with dedicated HVAC as well, and there is no humidifier for the second HVAC space & system. For comparison, the main house is at 32% RH today, while the other space is at 20% RH. The humidifier only runs while the ...
by BW1985
Fri Jan 19, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 3855

Re: Refinishing roughed in stairs - removing carpet

That looks a lot like my results. Here's an in progress image. The risers are primed, the treads are finished. I'm test fitting the parts. The railing is gone -- to be replaced later. You can just see a raw step at the top. I recall now I used a Sawsall to remove the 2X bull nose that was under the...
by BW1985
Fri Jan 19, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 46
Views: 2108

Re: Home Humidifier input please

JPH wrote:
Fri Jan 19, 2018 12:18 pm
I tried one once. A very cheap one and I don't remember the details. The problem I had with it is that we have very hard tap water, and the humidifier output a fine white powder of mineral residue that got all over everything.
No water softener?
by BW1985
Wed Jan 03, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 76
Views: 8099

Re: Talk me out of a 60/40 AA

But why not 100% stocks then? Heck why not lever up to 110%? This is what I'm missing - increasing the stock AA from 60/40 to 80/20 has less than a 1% increase in CAGR in every 10+ year period I've looked at. You have to shorten the window to < 5 years before I've found a meaningful increase in CAG...
by BW1985
Wed Jan 03, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Recommend me a backpack for business use
Replies: 21
Views: 1239

Re: Recommend me a backpack for business use

I am travelling a lot for business and like backpacks. I am using Tumi for years and currently use the following: https://www.tumi.com/p/tumi-t-pass%C2%AE-business-class-brief-pack%C2%AE-026578D2 I bought it after the TSA allowed to leave your laptop in if it is a T-Pass backpack (unfortunately nev...
by BW1985
Sun Dec 31, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 17
Views: 1907

Re: Costa Rica

We're planning CR once we get the SW companion pass this year. We're going to stay at the Hyatt Andaz Peninsula Papagayo Resort. From what I've heard the roads are not great there so it's hard to get around, but that could just be near this hotel I'm not sure. Are you planning on renting a car?
by BW1985
Wed Dec 27, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC quotes IRS on terms of deductibility of prepaid property taxes
Replies: 79
Views: 5575

Re: IRS clarifies 2018 property tax prepayment

LINK: https://www.washingtonpost.com/news/business/wp/2017/12/27/irs-says-taxpayers-trying-to-use-deduction-that-will-be-scaled-back-can-prepay-2018-property-taxes-only-under-limited-circumstances/?utm_term=.5e90a456ed84 The IRS said that taxpayers can claim an additional property tax deduction whe...
by BW1985
Sat Dec 23, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: PSA: consider pre-paying your property taxes and January mortgage payment
Replies: 25
Views: 3480

Re: PSA: consider pre-paying your property taxes and January mortgage payment

Regarding pre-paying the January 2018 mortgage payment, how do you ensure the additional interest paid will be reflected on the annual statement (Form 1098, I believe) used for tax purposes? Do you have to call them? Said differently, how do you ensure the payment will be applied toward interest in...
by BW1985
Thu Dec 21, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2391
Views: 442675

Re: What's Your Credit Card Rewards Strategy?

My wife and I have a trip to Australia coming up in a few months. Flying business class both ways and staying in 5 star hotels every night. Paid for all of it with points. 160k AA miles 195k Korean miles 72k Hyatt points 135k Hilton points 1 IHG free night certificate Taxes on the flights were mini...
by BW1985
Tue Dec 19, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 10546

Re: How much did you contribute to your 401k in 2017?

max $18k, wife max $18k = $36k

employer contribution $10.5k, not vested though

32
by BW1985
Mon Dec 18, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2391
Views: 442675

Re: What's Your Credit Card Rewards Strategy?

Wife just got approved for second Chase business card, not a single question about her business for either card. Neither were auto approved, one went to recon and second was a social security # verification. I can't say for sure whether it helped or not but I left 30k in our Chase checking account i...
by BW1985
Tue Dec 12, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 77
Views: 10972

Re: Retire in my early 40s? Crazy or actually doable?

Retiring is a mistake, until you have nothing more to contribute. That is not a moral statement, but an individualistic one. Over the course of my career I have met many mentally and physically men aged well before their time do to early retirement. People think how nice it would be not to answer t...
by BW1985
Sat Dec 09, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 1177

Re: Downgrading Chase Sapphire Preferred

Only the CSR and the CSP allow point transfer to partner programs (hotels, airlines). If this was what you got the bonus for, you’d lose that ability. Ink also does for sure. Right, but the OP has a consumer card, and I don’t think they would let them change it to a business card. Also, it has a $9...
by BW1985
Sat Dec 09, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 1177

Re: Downgrading Chase Sapphire Preferred

Only the CSR and the CSP allow point transfer to partner programs (hotels, airlines). If this was what you got the bonus for, you’d lose that ability. No, I just want to keep the ability to use it with the Ultimate Rewards Website. We generally don't stay at hotels (usually use VRBO). You’ll need a...
by BW1985
Sat Dec 09, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 1177

Re: Downgrading Chase Sapphire Preferred

If it's been two years since you got the bonus, you should: 1. Downgrade your current card to a Freedom or Freedom Unlimited 2. Apply for the Sapphire Preferred to get the bonus again If you're within 60 days of your account anniversary, downgrading the card will get Chase to refund the annual fee ...
by BW1985
Sat Dec 09, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 1177

Re: Downgrading Chase Sapphire Preferred

Only the CSR and the CSP allow point transfer to partner programs (hotels, airlines). If this was what you got the bonus for, you’d lose that ability. No, I just want to keep the ability to use it with the Ultimate Rewards Website. We generally don't stay at hotels (usually use VRBO). You’ll need a...
by BW1985
Sat Dec 09, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 1177

Re: Downgrading Chase Sapphire Preferred

TravelGeek wrote:
Sat Dec 09, 2017 2:59 pm
Only the CSR and the CSP allow point transfer to partner programs (hotels, airlines). If this was what you got the bonus for, you’d lose that ability.
Ink also does for sure.
by BW1985
Fri Dec 08, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 5222

Re: Southwest Companion Pass [California only]

Congrats to all! The CP is a pretty amazing travel deal!
by BW1985
Thu Dec 07, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 5077

Re: I received a speeding ticket via mail from IA - should I pay it?

I got a $25 parking ticket in another state once. Threw it in the trash. Got one letter in the mail reminding me to pay and that was it, never heard about it again. Maybe they issued a bench warrant for my arrest..
by BW1985
Wed Dec 06, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 5077

Re: I received a speeding ticket via mail from IA - should I pay it?

I doubt its as big of deal as some here think. There’s a reason some states make out of state drivers pay tickets on the spot with a credit card, people don’t pay them otherwise. A bench warrant issued for one speeding ticket? Its possible I guess. But I doibt it. Even then they’d need to pull you o...
by BW1985
Wed Dec 06, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 216324

Re: TV show recommendations?

Solo viewing: -- Just wrapped up Season 1 of Bosch. Will watch Season 2. -- Going to start Season 5 of the Americans. With Spouse: -- Watching Season 7 of The West Wing. -- Almost through Season 2 of Stranger Things. (No one can believe that we've spaced out our viewing vs. binge-watching) -- Arres...
by BW1985
Wed Dec 06, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 216324

Re: TV show recommendations?

Another vote for "The Man in the High Castle" an Amazon show. In short, a hypothetical show of if the Allies lost WW2 and the US was split east of the Rockies controlled by the Nazis, West of the Rockies controlled by Japan, and a neutral zone in the Rockies with some remaining resistance. There is...
by BW1985
Tue Dec 05, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 14037

Re: FIRE [financial independence/retire early]

I don't understand the name calling and animosity. If you believe in the 4% rule, use it. And if you don't, then don't use it. :sharebeer
by BW1985
Tue Dec 05, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3590

Re: Understanding the World of Credit Card "Points"

Credit card churning and point bonuses are really being scrutinized by the card companies right now, with rules getting tighter and tighter. AMEX has started to retroactively remove sign up bonus points from accounts that they have found out later violated a policy. For example, one common manufact...
by BW1985
Tue Dec 05, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3590

Re: Understanding the World of Credit Card "Points"

I admit I had to chuckle at the post about equifax hack and applying for credit cards. The two events certainly are exclusive from one another. Hey at least that’s the excuse I gave American Express to close my last card. Beside I’ve opened everything under American Express. Chase has rejected my a...
by BW1985
Tue Dec 05, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3590

Re: Understanding the World of Credit Card "Points"

I admit I had to chuckle at the post about equifax hack and applying for credit cards. The two events certainly are exclusive from one another. Hey at least that’s the excuse I gave American Express to close my last card. Beside I’ve opened everything under American Express. Chase has rejected my a...
by BW1985
Mon Dec 04, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3590

Re: Understanding the World of Credit Card "Points"

We’re heading to Israel thanks to these signup bonuses. We got free trips to Finland and the Baltics last year and Greece the previous year. Over the past three years we’ve tallied up enough air miles for eight individual trips overseas and four trips in the U.S. Bank signup offers netted us about ...
by BW1985
Fri Dec 01, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 14037

Re: FIRE [financial independence/retire early]

You bet! Those simpletons will have to go back to work after 5 years of enjoying their young families, all the while you will have been working this whole time! Suckers..... I always enjoy the local animosity of those frugal fire types. Seems Bogleheads would have more in common than not with them ...
by BW1985
Thu Nov 30, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 14037

Re: FIRE [financial independence/retire early]

I think many are to worried about retiring early. Why not enjoy the work you do and enjoy life along the way. Web sites like Mr. MM talk about how they retired early and live on 25-30k a year. Who would want to live so frugal at a retiremnt age in your 30-40s. Why not work longer and live the same ...
by BW1985
Thu Nov 30, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 14037

Re: FIRE [financial independence/retire early]

Healthcare and health insurance in the U.S. are not predictable for those who have no place to get reliable health insurance. Hopefully this will change in the future. In fact, those people who talk about medical tourism miss the critical point. Most FIRE people should be able to pay for routine me...
by BW1985
Wed Nov 29, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old / Missed the bull run
Replies: 55
Views: 11933

Re: 30 years old / Missed the bull run

MrNewEngland wrote:
Wed Nov 29, 2017 1:11 pm
When this thread started the DJIA was at 17,849 and the S&P was at 2049. They have risen 33% and 28% respectively.
The market was 'expensive' then too.
by BW1985
Wed Nov 29, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11204

Re: Didn't buy Bitcoin at $4600

Everywhere I look people are talking about bitcoin and how to buy it. This thing seems like it's going to crash HARD.
by BW1985
Tue Nov 28, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 21
Views: 1850

Re: Amica Increase

I have car and home with Amica, I've never even heard of this dividend. strange. you should call and discuss. you do have to choose the dividend paying policy which is slightly more upfront, but more than makes up for it on the back end. Dividend policies are only offered in some states. Not in IL ...
by BW1985
Tue Nov 28, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 21
Views: 1850

Re: Amica Increase

I have car and home with Amica, I've never even heard of this dividend.
by BW1985
Fri Nov 24, 2017 12:51 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 14034

Re: Jim Cramer doesn’t beat the market

Its like watching an expert video on how to play blackjack. Odds are you’re still going to lose..
by BW1985
Thu Nov 23, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Job interviewing - "do you have any other interviews or leads?"
Replies: 35
Views: 4276

Re: Job interviewing - "do you have any other interviews or leads?"

I have always told potential employers that I am interviewing other places and sometimes that I have other offers.
by BW1985
Thu Nov 23, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street
Replies: 33
Views: 4715

Re: & Catch Me If You Can - Re: The Wolf of Wall Street

Another "fraud" movie, Catch Me If You Can, has DiCaprio playing Frank Abagnale: https://en.wikipedia.org/wiki/Frank_Abagnale This all ends differently... Abagnale was amazingly young for what he did, and he apparently eventually suffers considerably while being pursued, and... SPOILER ALERT IF YOU...
by BW1985
Wed Nov 22, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 4095

Re: Michelin or Bridgestone?

Well today is the last day for $70 off Bridgestone, I went ahead and ordered the Ecopia's after reading way too many reviews. Also if anyone else is ordering you can get a $25 off/ $250 purchase by asking in online chat. You just have to order the tires online though. Ended up paying $650 + $50 tax ...
by BW1985
Tue Nov 21, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 9214

Re: Has used furniture dropped in value dramatically?

Thanks for insight. I had never heard of chalk or milk paint! This has given me an idea to rejuvenate some patio furniture. I had restained it two years ago but the hot weather coupled with unusual torrential rain we had last year has left the finish dull and rough now. Would it be possible to use ...
by BW1985
Mon Nov 20, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Post for Livesoft
Replies: 34
Views: 5428

Re: Post for Livesoft

Why do you choose to manually reinvest dividends rather than automatic? Just curious.
by BW1985
Mon Nov 20, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 4095

Re: Michelin or Bridgestone?

Also going back and forth on the Premier vs. Ecopia for my Escape..

On Tirerack the General ALTIMAX RT43 seems to be an excellent value, but then you'd need to pay for install as well.
by BW1985
Sun Nov 19, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14468

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Dave's number one sin is claiming one can safely withdraw 12% per year of retirement funds. However as of late he stays that even if I'm half right you'll still have plenty of money. A 6% withdrawal rate is also not a safe withdrawal rate. DA I've never heard him say that. He claims you can get an ...
by BW1985
Sat Nov 18, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 9214

Re: Has used furniture dropped in value dramatically?

BW1985 what is the best website for me to learn how to paint old furniture like you and your wife do? thanks! Check out General Finishes webite and youtube videos. There wasn’t really one site we used. Everyone seems to have their own techniques and some people get more complex than others e.g. mul...
by BW1985
Fri Nov 17, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 9214

Re: Has used furniture dropped in value dramatically?

As far as my sailboat is concerned, perhaps the worst piece of pass down furniture one could possess, well, they are going to be prying that out of my cold, dead fingers. As to the OP's question, I agree with everyone about the plunging value of furniture. I know some folks have said that high-qual...