Search found 5650 matches

by Pajamas
Wed Jul 18, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 46
Views: 2825

Re: How much furniture spending is ok?

My real estate investing strategy is to buy a house, live in it for the one year minimum required for an owner occ mortgage loan, then buy another house, converting previous to a rental. Repeat until FI. Seems like a smart strategy. That's a good pace for acquiring properties, you get a good rate o...
by Pajamas
Wed Jul 18, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 82
Views: 4352

Re: Direct Real Estate Returns

This thread is hilarious. Part of the reason is that many of the strong proponents of being a landlord have only been in the business for a relatively short time and have not experienced a deep down cycle in the economy. Many of the lessons that should have been learned from the financial crisis a ...
by Pajamas
Tue Jul 17, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 85
Views: 8670

Re: Amazon Prime Day 2018

I'm not sure how much credit gets stored or where I can see it on my account Here, I can help you with that: https://www.amazon.com/gp/feature.html?ie=UTF8&docId=1000296831#gc Click the "Enter Your Code" button and it will show you all of your credit balances. You have to be logged into your Amazon...
by Pajamas
Tue Jul 17, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3642

Re: Are Credit Cards Actually Convenient?

I always inform for any travel, but have had it happen at the grocery store that I shop at every single week. It's bizarre. Can't your credit card issuer stop this from happening at a store you shop at regularly if you ask them to do so? I wonder if it has to do with the particular grocery store be...
by Pajamas
Tue Jul 17, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring money from Canada - Wait for exchange rate to improve?
Replies: 11
Views: 368

Re: Transferring money from Canada - Wait for exchange rate to improve?

You can transfer the money now and then buy ETFs that hold all Canadian assets. That effectively gets you back into CAD after transfer. Which sort of gets to the reality of the situation. Yes, the CAD was worth more compared to the USD in the past and may be again in the future but right now, the e...
by Pajamas
Tue Jul 17, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 46
Views: 2825

Re: How much furniture spending is ok?

I live in a 4-bedroom, 1800 sq ft home, and own about $200 worth of furniture. Got some Ikea tables (free to me) zip tied together at the legs to make a big desk. Mattress on the floor in one bedroom (the other three bedrooms are empty). An inexpensive desk chair. Two folding camp chairs in the liv...
by Pajamas
Tue Jul 17, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Question about new construction basement houses
Replies: 19
Views: 1213

Re: Question about new construction basement houses

What's in the walkout basement? Often they have separate heating and cooling systems because they aren't used every day. The area should be less expensive to heat and cool because it is partially surrounded by earth, all else being equal. Moisture is problem with most basements at one point or anoth...
by Pajamas
Tue Jul 17, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 28
Views: 1084

Re: suit shoe combo?

these shoes have really good traction. I love wearing these red shoes, I have seen the sneaker look with suits and I thought what the hell why not since i have the shoes already Okay, maybe you have a different style of dancing than what I'm used to and the soft soles are appropriate. Traction is t...
by Pajamas
Tue Jul 17, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2267

Re: When to invest 100000?

Almost everyone will agree with you that there is a 100% chance of a significant decline in the markets in the future. The real question is what to do, knowing that it will happen but not when. What you might do depends. For some people, the right answer is to keep assets in near-cash because avoidi...
by Pajamas
Tue Jul 17, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8495

Re: Why own a bed?

And any partner demanding clean sheets is equally suspect. Victoria Hygiene is different! Avoiding bed bugs is a good reason I think to have a bed versus just a mattress on the floor. How so? Any advantage would be slight and bed bugs can live in cracks in headboards or wooden frames or slats.
by Pajamas
Tue Jul 17, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 28
Views: 1084

Re: suit shoe combo?

Mjar wrote:
Tue Jul 17, 2018 4:00 pm
I always where black suit with black dress shoe and a different colored tie.
Why the sudden urge to be creative?

Aren't shoes with leather soles much more suitable for dancing than ones with soft soles?
by Pajamas
Tue Jul 17, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 85
Views: 8670

Re: Amazon Prime Day 2018

I was really surprised to see two books show up as free ($0.00 Kindle price) the other day. These were legitimate books that we (or SO) were interested to buy at full price. I am talking about somewhat obscure books (one on First Nations art, another on Japanese history -- both by respected authors...
by Pajamas
Tue Jul 17, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8495

Re: Why own a bed?

Are there any good reasons to own a bed? Why not just sleep on a mattress on the floor (I think the Japanese do that?) instead of paying hundreds or thousands of dollars to sleep a few feet off the ground? If such a person is single and interested in a relationship, this "choice" could be damaging ...
by Pajamas
Tue Jul 17, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 85
Views: 8670

Re: Amazon Prime Day 2018

If you keep items in your shopping cart to purchase later, Amazon will notify you of price changes each time you look at your cart. I do that with items that I need to buy but don't need immediately. Some items have steep price drops for a short period of time, either because someone else is selling...
by Pajamas
Tue Jul 17, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Class Reunion Fund: How to Hold and Where to Invest?
Replies: 14
Views: 743

Re: Class Reunion Fund: How to Hold and Where to Invest?

If the amount is $1,200 and it is to be used in ten years for another class reunion, the best thing to do with it would be to donate the money, preferably to the school or possibly for something related to education or related to the place the school is located. Could be used to buy something perman...
by Pajamas
Tue Jul 17, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 143
Views: 9225

Re: Why is leveraging property good but leveraging stocks bad?

What I don’t understand is why leverage is frowned upon for stocks but not for property where leverage is usually 5x. One thing you should consider is whether or not it is necessary to use leverage, i.e. a loan. It's easy to buy $1,000, $5,000, or even $12,223 worth of equities. This is not general...
by Pajamas
Tue Jul 17, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vacation home while renting
Replies: 58
Views: 2905

Re: Buy a vacation home while renting

the usual American Dream of owning real estate for no good reason. Interestingly enough there are dozens of countries with higher rates of homeownership than the U.S. What I would suggest is that you get together with a few friends and rent a place for the summer. Take turns using it separately and...
by Pajamas
Tue Jul 17, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vacation home while renting
Replies: 58
Views: 2905

Re: Buy a vacation home while renting

Of course it doesn't make much sense financially as others have already pointed out but there are also non-financial reasons to reconsider this. It's not all fun and games like you think from visiting a friend's place a few times and reading in the Sunday paper or in a magazine about people who boug...
by Pajamas
Mon Jul 16, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2558

Re: Would you pay $120 for a 5 year dishwasher warranty?

I did and am glad-- used it probably 4 times so far? Once it turned out the problem was a supply pipe freezing, but did not get charged for the service visit (which would have been $100). Once the control panel died (guy mumbled something about moisture not being good for electronics). Then the con...
by Pajamas
Mon Jul 16, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 26
Views: 1378

Re: Passport expiration time rules for France

Many years ago I asked a French immigration agent what they looked for when checking my passport. As I remember, he said "I look that the expiration month is not the current month." So if your passport expires on 3/1, and you're entering France on 2/28, you're probably ok. Problem might not be at i...
by Pajamas
Mon Jul 16, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5397

Re: Is expensive olive oil worth it?

Here's an open class action suit against Bertolli for mislabelling olive oil as "Imported from Italy" or "Extra Virgin". Of course they denied it but agreed to settle AND to change several practices regarding packaging and labelling.

http://www.oliveoilsettlement.com/index.html
by Pajamas
Mon Jul 16, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2558

Re: Would you pay $120 for a 5 year dishwasher warranty?

That's a rather weird way to think about a warranty. If I offered you the warranty for $1 you would refuse because you expect there's a little chance you'll use it? The important assumption here is that the warranty is priced for you to lose money, on average. Yes, I would refuse it. Things that I ...
by Pajamas
Mon Jul 16, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2558

Re: Would you pay $120 for a 5 year dishwasher warranty?

No, because if I thought that there were a good chance a dishwasher would need repair or replacement within five years, I wouldn't buy it in the first place.
by Pajamas
Mon Jul 16, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 26
Views: 1378

Re: Passport expiration time rules for France

hoops777 wrote:
Mon Jul 16, 2018 4:55 pm
The renewal takes 6 to 8 weeks and our flight would be 9/27.Do I trust that I will have it back?
Yes but don't wait. It usually takes up to 4-6 weeks, not sure where you got 6-8.

https://travel.state.gov/content/travel ... times.html
by Pajamas
Mon Jul 16, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Accepted new job, immediately laid off at old one?
Replies: 37
Views: 5838

Re: Accepted new job, immediately laid off at old one?

Won't help you to worry about it. If you weren't escorted off the property by security then it was probably part of a general layoff. Why would they need to lie about the reason for letting you go, anyway? Congratulations on the new job and the lucky timing. Enjoy your time off, don't stress. :beer ...
by Pajamas
Mon Jul 16, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 13
Views: 908

Re: Unclaimed property

I found some for friends and they refuse to request it because they think it's a scam despite no evidence that it is and plenty that it's not and also they think it's not worth filling out the form online anyway because it's under $50.

Suggestion: check all states you've lived in.
by Pajamas
Mon Jul 16, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 85
Views: 8670

Re: Amazon Prime Day 2018

They've seem to run into some issues. Yes, I can't even log into my Amazon account. Not a good sign since they are the largest provider of cloud services. :shock: I dropped my Prime membership recently and can't believe how often they make it known that I'm not a member when I'm on the website. So ...
by Pajamas
Mon Jul 16, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8495

Re: Why own a bed?

Serious answer: a mattress on a floor is hard to vacuum around, dust can collect adjacent to it. That's the best answer. Also when you get older it gets harder to get down on the floor and back up again. However, people who sleep and sit on the floor their whole lives as some cultures have traditio...
by Pajamas
Mon Jul 16, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Suggestions For Re-attaching a Closet Handle
Replies: 20
Views: 540

Re: Suggestions For Re-attaching a Closet Handle

With a similar situation I used a couple of layers of posterboard and a large washer.
by Pajamas
Mon Jul 16, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Strategy to buy a north los altos house (SF Bay Area)?
Replies: 18
Views: 1791

Re: Strategy to buy a north los altos house (SF Bay Area)?

HEDGEFUNDIE wrote:
Mon Jul 16, 2018 1:38 am
OP should buy sooner rather than later to avoid missing out on future gains.
Classic bubble talk.
by Pajamas
Mon Jul 16, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 60
Views: 3932

Re: $540 a month on food for graduate student budget too much?

If I live in the Houston, TX area will it always be cheaper/greater bang for my buck for me to buy groceries than eat out like this? Yes, that's true pretty much everywhere. Google "fast easy cheap meal" or similar and you'll get hundreds of ideas. You can either focus on keeping ingredients on han...
by Pajamas
Mon Jul 16, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 46
Views: 2825

Re: How much furniture spending is ok?

Whatever will make your wife happy, within reason. Some day I will read bogleheads, and not see any posts that assume women's happiness depends on their husbands spending money on stuff. Every time I see one of these posts, I have a mental picture of a husband breadwinner and a trophy, grasping wif...
by Pajamas
Mon Jul 16, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: DSL Modem and settings for TDS.net
Replies: 5
Views: 331

Re: DSL Modem and settings for TDS.net

Call the cable company and ask them to offer you the current new subscriber deal to retain you as their customer. "I would prefer to stay with your company but I can get internet service for $X from Y provider if I switch."
by Pajamas
Sun Jul 15, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4355

Re: FireCalc: How big a grain of salt?

As you point out, it's all based on historical cycles and the future may be different. Only one thing is certain: everyone living will die.
by Pajamas
Sun Jul 15, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 46
Views: 2825

Re: How much furniture spending is ok?

Whatever will make your wife happy, within reason.
by Pajamas
Sun Jul 15, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Investing vs Debt
Replies: 12
Views: 644

Re: Investing vs Debt

+1 for what ruralavalon said.

Buckle down, don't succumb to lifestyle inflation, keep living off your wife's income, basically, and get those loans paid off as soon as possible.
by Pajamas
Sun Jul 15, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 46
Views: 3714

Re: How often do you buy a primary residence?

+1. OP, where in the world do you live that 60-year-old houses are worth only the price of the land? There's something terribly wrong with that market. I'm imaging a city in a desert full of tract houses. Yuck. In Japan a house's lifespan is considered to be something like 20 or 30 years or perhaps...
by Pajamas
Sun Jul 15, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Citizens Access 2% Savings rate
Replies: 1
Views: 231

Re: Citizens Access 2% Savings rate

Probably not since Citizens Bank just launched it a few days ago.

https://www.bankrate.com/banking/citize ... ns-access/
by Pajamas
Sun Jul 15, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4355

Re: FireCalc: How big a grain of salt?

I don't think that approach would be appropriate for me since one of my primary goals is to maximize things in the early years when I am still healthy and active. But everyone should go with an approach they are comfortable with since they are the one who has to live with the outcome. Yes, I saw yo...
by Pajamas
Sun Jul 15, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16791

Re: Top Shelf Liquor Overrated?

Relatives of my family worked at what would be considered a large high end bar/club/lounge in a major city and they said the establishment refilled the bottles in the basement with inferior liquor. This was mostly for vodka. I used to do the same thing: https://www.bogleheads.org/forum/viewtopic.ph...
by Pajamas
Sun Jul 15, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4355

Re: FireCalc: How big a grain of salt?

. . . what is the method should one use to make predictions about the ability of the portfolio to support them in retirement. I simply divide the total amount by expected years of life and as long as it is significantly more than what I actually spend, then I don't worry about it. Honestly, I never...
by Pajamas
Sun Jul 15, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 46
Views: 3714

Re: How often do you buy a primary residence?

Sounds like living in new construction is important to them. Isn't a new house worth $1.05X less of a house than one that is five years old worth $1.08X? Also I doubt they really lived for free. They had opportunity costs on their down payment plus other expenses such as property taxes, insurance, a...
by Pajamas
Sun Jul 15, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4355

Re: FireCalc: How big a grain of salt?

“Past performance does not guarantee future results.”
by Pajamas
Sun Jul 15, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16791

Re: Top Shelf Liquor Overrated?

I saw a video once in which a restaurant of some sort did an experiment where they asked their snooty patrons if they wouldn't mind sampling some of their new, fancy bottled water. The water bottles were filled using a garden hose out back and then the patrons were told that the water came from a r...
by Pajamas
Sun Jul 15, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Reading glasses for driving
Replies: 11
Views: 840

Re: Reading glasses for driving

Can you see the displays on the dashboard of your vehicle? Half-frame readers or bifocals with no vision correction in the main field or regular bifocals or progressive lenses might be appropriate. Discuss this with your ophthalmologist or optician. Might be that you actually need some vision correc...
by Pajamas
Sun Jul 15, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Bounced check
Replies: 27
Views: 2738

Re: Bounced check

I think it's okay to have at least two different checkbooks for different accounts even if it is not necessary. I don't write a lot of checks but a checking account still is useful in ways that a savings account or a brokerage account is not. I have checkbooks for both my checking account and broker...
by Pajamas
Sat Jul 14, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: thoughts on converting small pantry to 3/4 bath
Replies: 22
Views: 1236

Re: thoughts on converting small pantry to 3/4 bath

For $60k you could put in an elevator instead or add on additional space to your house for a bathroom, if that is allowed. A 3/4 bath would only fit in a 3 x 6 ft. space if the entire room functioned as a wet shower, like in an Airstream, and that might not be allowed by building codes. As someone p...
by Pajamas
Sat Jul 14, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8311

Re: Amazon won't sell this book to me.

The web says amazon's lowest paid workers make about $12 an hour. The least skilled library employees (book stackers, etc.) in my town make about $18 an hour. Again, you can't fairly compare pay for jobs that aren't at least approximately equivalent. Just because there are people desperate for jobs...
by Pajamas
Sat Jul 14, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: New Career Advice? Would you do it?
Replies: 18
Views: 1642

Re: New Career Advice? Would you do it?

How do you feel about sales? Some people like it and do well at it, some people don't. From what you have said you would probably fall in the former group but just be aware that it sounds like ultimately your success in that job would hinge on being a salesperson. It also sounds like you are in a go...
by Pajamas
Sat Jul 14, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 31
Views: 2065

Re: are mccormick gourmet spices better

but i am also curious why mccormick stock has gone up so much recently. Looks like they had a successful acquisition of some brands a year or so ago and have been reporting good earnings growth recently. A long term chart shows fairly steady growth since the 2008-2009 financial crisis and brief res...