Search found 2756 matches

by Pajamas
Wed Nov 15, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 36
Views: 1843

Re: Office Chair Recommendations (Aeron?)

BTW I found the Aeron seat to be rather stiff. I bought a custom cushion from ebay, it's now very comfy. Which is why it is so important to actually try a chair before buying. Few people would buy shoes that they had never tried on just because they were recommended on the internet even though the ...
by Pajamas
Wed Nov 15, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Florida slip & fall advice? Helping my parents
Replies: 11
Views: 871

Re: Florida slip & fall advice? Helping my parents

-What is the statute of limitations on personal injury cases in Florida? -If they take the settlement, are they required to pay back their health insurance company for the surgery, physical therapy, etc. for medical treatment related to the fall? -Any other advice? Thank you for your help and advic...
by Pajamas
Wed Nov 15, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 101
Views: 7254

Re: Has used furniture dropped in value dramatically?

Your experience is typical. Not many people want that kind of furniture because it is not in style and so it has little value. Maybe you can find a charitable organization that will come pick it up for free, either to resell or to give to a family that doesn't have any furniture due to being refugee...
by Pajamas
Wed Nov 15, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: Do you subscribe to taking risk only on the equity side
Replies: 40
Views: 2260

Re: Do you subscribe to taking risk only on the equity side

I do dabble in more speculative preferred shares but limit the amounts involved. I wouldn't consider risky preferred equities or bonds part of a bond allocation because they can't and don't serve the same purpose. Don't kid yourself about the risks in distressed preferreds or junk bonds or issuers w...
by Pajamas
Wed Nov 15, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4363

Re: Fair way to split expenses?

What does your wife think is fair?
by Pajamas
Wed Nov 15, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 36
Views: 1843

Re: Office Chair Recommendations (Aeron?)

Yes, go to a business that sells office chairs and try them out and see what feels comfortable to you. Any of the better chairs from the top manufacturers (Steelcase, Herman Miller, Knoll, Haworth, etc.) will be of good quality. Also look at the warranty so that when the fabric or cushion wears out ...
by Pajamas
Wed Nov 15, 2017 12:43 am
Forum: Investing - Theory, News & General
Topic: Shiller is 'concerned' after lowest sentiment data readings in over 16 years
Replies: 8
Views: 2042

Re: Shiller is 'concerned' after lowest sentiment data readings in over 16 years

According to the article, he is referring to "individual investor confidence".

As it happens, institutional investor confidence is currently higher than individual investor confidence and individual investor confidence is often considered to be a contrarian indicator.

Make of it what you will!
by Pajamas
Tue Nov 14, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: How do you stop junk mail?
Replies: 29
Views: 1487

Re: How do you stop junk mail?

You can't stop it and if we all did the Post Office would go out of business and we would not have mail service. (Is the latter really true?) You can stop it, or at least nearly so, and the U.S. Post Office was in existence for many years before catalogues and junk mail were common. The USPS provid...
by Pajamas
Tue Nov 14, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Scooter insurance for a 20 year old college student
Replies: 22
Views: 1225

Re: Scooter insurance for a 20 year old college student

Don't let him get a scooter. Problem solved. :beer
by Pajamas
Tue Nov 14, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 69
Views: 10344

Re: Jim Cramer doesn’t beat the market

Jim Cramer is an entertainer.
by Pajamas
Tue Nov 14, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 44
Views: 2340

Re: Paying for news?

Most traditional news articles come from the news agencies, like Reuters, United Press International, Associated Press, and many others. Many of those news agencies provide the articles free on their own websites. No need to feel bad about not paying for them as they don't expect you to. What you mi...
by Pajamas
Tue Nov 14, 2017 8:32 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand This Bond
Replies: 2
Views: 367

Re: Help Me Understand This Bond

What's the catch? 3. What is "YTW"? The catch IS the YTW, which is "Yield to Worst" and is the yield you would get if you bought the bond and it were called on the earliest date of 5/1/19, which is about 18 months from now. YTW is 1.043% according to the information you posted, which is not so grea...
by Pajamas
Tue Nov 14, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: How do you stop junk mail?
Replies: 29
Views: 1487

Re: How do you stop junk mail?

I have had good luck calling the toll-free number in the catalogue and asking to be removed from the mailing list. I also ask them not to sell or trade my number. Same thing works with charitable organizations. If it is a mass mailing going to every address in an area, it's almost impossible to stop...
by Pajamas
Tue Nov 14, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1548

Re: Anyone Tried Soylent?

How is Soylent different from other meal replacement products like Ensure? There are several different lines of Ensure products with different nutritional profiles intended for different purposes. https://ensure.com/nutrition-products/compare-meal-replacement-shakes The most important differences a...
by Pajamas
Mon Nov 13, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4000

Re: Septic tank - deal killer?

I have a friend who bought a house with a septic field. The septic field had to be completely redone very soon thereafter. The well was also contaminated, possibly by the septic field, so a new filtration and ultraviolet water treatment system had to be installed. An old buried fuel tank was discove...
by Pajamas
Mon Nov 13, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Investing HOA reserve money?
Replies: 24
Views: 1076

Re: Investing HOA reserve money?

HOA reserves should be thought of as savings held for specific purposes, not as investments. The principle should not be risked for potential gains or losses. If the homeowners want to invest, they should do so individually. If your reserves are too large, reduce them through appropriate spending or...
by Pajamas
Mon Nov 13, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Invest all my savings in a house?
Replies: 10
Views: 1212

Re: Invest all my savings in a house?

I think of a house or apartment as a shelter, a necessity like food and clothing, not as an investment. I would expect to make money from investments in the form of dividends and capital gains, but I expect to have to pay for a place to live as well as to maintain it, so housing is primarily an expe...
by Pajamas
Mon Nov 13, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Actually might have "enough", thinking of suspending retirement savings in favor of saving for down payment
Replies: 36
Views: 3103

Re: Actually might have "enough", thinking of suspending retirement savings in favor of saving for down payment

Sounds okay if you are 55 but maybe not so okay if you are 35 because of the length of time involved. If it is just a temporary shift from long-term goals to short- to intermediate-term goals, that's okay. But I wouldn't forego investing for retirement just to buy a bigger place or not to carry a mo...
by Pajamas
Mon Nov 13, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6215

Re: Isn't it safer to NOT sign Credit card?

What does your credit card agreement actually say about signing your card?
by Pajamas
Mon Nov 13, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Applying for a job: Not sure if I really want it
Replies: 10
Views: 1277

Re: Applying for a job: Not sure if I really want it

This position would be a lateral move from a pay perspective and step down in seeing high level changes in the company. Doesn't sound like a better position for you. If you are going to find a new job, look for the best one that you can get, inside or outside of your current organization. The reaso...
by Pajamas
Mon Nov 13, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5611

Re: Losing all of your savings.

Learn from your bad experience to avoid repeating it. Look at it as an important, expensive lesson.
by Pajamas
Mon Nov 13, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1548

Re: Anyone Tried Soylent?

I have tried it but don't really like the macronutrient calorie proportions of 30% carbs/45% fats/20% proteins in the powders and the pre-mixed bottled drinks are weighted even more heavily towards fats. I also think that eating relatively whole, unprocessed foods is generally better both from a nut...
by Pajamas
Fri Nov 10, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7202

Re: Personal letters to the sellers of your house can work!!!

Never say never, but I am 99% certain I will never: make an offer above asking price Local markets vary and even a local market can vary depending on the state of the local market. In some areas, asking prices are set low to encourage offers but the selling price is significantly higher, basically ...
by Pajamas
Fri Nov 10, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 84
Views: 4865

Re: Out of network care

The "prudent layperson standard" is generally used to determine whether or not an emergency room visit is appropriate: The term “emergency medical condition” means a medical condition manifesting itself by acute symptoms of sufficient severity (including severe pain) such that a prudent layperson, w...
by Pajamas
Thu Nov 09, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: Portable handholds for seniors
Replies: 8
Views: 540

Re: Portable handholds for seniors

The best thing to do would have a physical therapist come in to the home and do a full home safety assessment and make recommendations.
by Pajamas
Thu Nov 09, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Portable handholds for seniors
Replies: 8
Views: 540

Re: Portable handholds for seniors

The consequences of failure could be very serious. Has anyone talked to the landlord about this? It might be allowed or even be mandated by laws or regulations to be allowed, which would preempt the lease, although she might be responsible for the cost of installing the grab bars and also for removi...
by Pajamas
Thu Nov 09, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4689

Re: Worth changing 40 gal. to 30gal. hot water tank?

It is common sense that heating and holding the temperature on 40 gals of water will require more energy than 30 gals of water if other things are equal no need to find an odd example. I agree with you 100% but you seem to be confused about what the odd examples were used to prove. 8-) It actually ...
by Pajamas
Thu Nov 09, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: ACA coverage for Live-in Mother-in-law
Replies: 8
Views: 636

Re: ACA coverage for Live-in Mother-in-law

Sounds like she would qualify for Medicaid in NC based on income, but there is also a resources limit of $2,000.

https://dma.ncdhhs.gov/medicaid/get-sta ... quirements
by Pajamas
Thu Nov 09, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1688

Re: Best Approach for Purchasing Many Furnishings

so many students move out and leave furniture on the curb. If you live near a college, you might be able to do something similar. That's true here, too. Most of the students at some of the local private universities are from elsewhere and they don't throw out so much large furniture but definitely ...
by Pajamas
Thu Nov 09, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4689

Re: Worth changing 40 gal. to 30gal. hot water tank?

sunny_socal wrote:
Thu Nov 09, 2017 3:06 pm
So I went to the Home Depot website and compared Rheerm 30 and 40 water heaters in the same tier ("Performance")
30gal: XG29T06EC32U1
40gal: XG40T06EC36U1
It's almost always possible to find specific examples to prove whatever you want! :beer
by Pajamas
Thu Nov 09, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 4334

Re: What is the difference between retiring and resigning from a job?

I don't remember that issue coming up when I left my last job but there were a lot of changes at the time. You don't have to give a reason in your letter of resignation, just stick to a short and simple notification. Your age might influence what you say. If you are over 55, people might assume that...
by Pajamas
Thu Nov 09, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1688

Re: Best Approach for Purchasing Many Furnishings

Lots of people I know (including myself) started out with hand-me-downs from family and friends, but that seems to be less popular these days. Many people spend a day at Ikea and furnish a new place that way. The best value in purchased furnishings would probably be from buying good quality items at...
by Pajamas
Thu Nov 09, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Lending Money to Business Acquaintance
Replies: 17
Views: 1250

Re: Lending Money to Business Acquaintance

You wouldn't be doing him any favor by lending him money, just prolonging his misery and creating a new source of misery for yourself. You might offer to give advice and emotional support rather than pouring your own money into the same hole he has poured his and the bank's money into. Seems like th...
by Pajamas
Thu Nov 09, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 79
Views: 4297

Re: Interviewing at a former employer, should I give them my current salary when they ask?

In some cases it's harmless. They never would have paid what you were looking for anyways. I know what they can pay before I will even talk to them. If I don't it's not worth my time. Which is why employers should provide the salary range they are willing to pay when posting a job in the first plac...
by Pajamas
Thu Nov 09, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4689

Re: Worth changing 40 gal. to 30gal. hot water tank?

The only potential reason to downsize a water heater would be that a same-size replacement won't fit. There are many reasons to choose a smaller water heater if it is the appropriate size. A smaller water heater costs less initially. It costs less to run as it is both more efficient and has to keep...
by Pajamas
Thu Nov 09, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 79
Views: 4297

Re: Interviewing at a former employer, should I give them my current salary when they ask?

I am not sure that would work for this position. I currently wear a number of hats in the IT dept, including software development, which isn't in the BLS as it is not a specialized position. The position I am interviewing for is more specialized. Sounds like you definitely need to discuss and negot...
by Pajamas
Thu Nov 09, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Healthcare.gov subsidies, AGI, and HSA
Replies: 5
Views: 520

Re: Healthcare.gov subsidies, AGI, and HSA

You can generally only deduct $3,000 a year against earned or other income, so using a $20,000 capital loss would only work if you would otherwise have $17,000 in capital gains as part of your income for the year.
by Pajamas
Thu Nov 09, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 5036

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

Generally it's best to self-insure against small losses that you can easily afford. If you can easily afford any loss that the insurance covers and are certain to be able to do so in the future, then you could do without it. So the decision has to be made in context.
by Pajamas
Thu Nov 09, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 79
Views: 4297

Re: Interviewing at a former employer, should I give them my current salary when they ask?

But it was much better to start out with the right salary. This is a very important point as cost of living increases, raises, and bonuses are often based on current salary. If you don't negotiate or ask for a higher offer, you won't get it. So many people just accept whatever is offered because it...
by Pajamas
Thu Nov 09, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34634

Re: Did you tell anyone you paid off your mortgage?

No, absolutely not, other than asking the bank with the mortgage to file the UCC termination documents when they didn't do so automatically. :oops: When you stop working before the traditional retirement age, there will inevitably be questions about that at some point no matter how much you try to a...
by Pajamas
Thu Nov 09, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: What do you think of this LTCI policy?
Replies: 10
Views: 394

Re: What do you think of this LTCI policy?

Pete12 wrote:
Thu Nov 09, 2017 10:25 am

Monthly premium : $208.20 (subject to increase in future years, by how much we don’t know.)
If you don't know how much it will actually cost, it's difficult to analyze.
by Pajamas
Thu Nov 09, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4689

Re: Worth changing 40 gal. to 30gal. hot water tank?

Gas water heaters are significantly faster than electric water heaters and smaller water heaters are more efficient than larger ones. Newer water heaters are also faster than older ones. Dish and clothes washers are also much more efficient in water usage than they used to be and most newer showers ...
by Pajamas
Thu Nov 09, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 79
Views: 4297

Re: Interviewing at a former employer, should I give them my current salary when they ask?

Answering nosy and irrelevant questions sounds like the start of an unhealthy professional relationship. :oops: For all we know, such a question could be a test to see how you behave when confronted with authority figures that are overstepping their bounds. I think this is especially true if you're...
by Pajamas
Thu Nov 09, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3323

Re: Do telecom stocks have a future?

Most of the telecom companies are not just providing telephone service over copper wires these days. The AT&T-TimeWarner deal is in the news and gives a good idea of how the industry has evolved. Doesn't seem to me that the industry will be dead anytime soon, but it certainly has undergone significa...
by Pajamas
Wed Nov 08, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 79
Views: 4297

Re: Interviewing at a former employer, should I give them my current salary when they ask?

It became illegal to ask about previous salary in NYC recently. Years ago, an application for employment asked that question, so I just filled it in with $0.00. The reason the employer asks is to be able to pay as little as possible when hiring. Simply answering with the number gives the wrong messa...
by Pajamas
Wed Nov 08, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Okay to paint exterior brick?
Replies: 34
Views: 1761

Re: Okay to paint exterior brick?

I would go through the trouble of getting a permit to cover it to match the rest of the house. I doubt the request would be denied. If you really don't want to go to the trouble, you could paint it to match the stucco. If you paint it any other color, it will only draw attention to it. The mix of ma...
by Pajamas
Wed Nov 08, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5292

Re: Eye Doctor $30 to get your Rx? Is this normal?

It's not 100% clear to me exactly what the $30 charge was for, but if it was for a copy of the prescription, not only should an FTC complaint be made, it should also be reported to the appropriate state licensing board, the state attorney general's office or consumer protection bureau, and to the he...
by Pajamas
Tue Nov 07, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 2776

Re: DIY vs work extra and pay a pro

In theory, it is most efficient to do what you are best at and get paid the most for and then pay others to do the same. That is discussed in the context of international trade in Adam Smith's The Wealth of Nations . One thing to consider is if someone else can do a better job you can do on a projec...
by Pajamas
Tue Nov 07, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 53
Views: 6609

Re: Black Friday Deals/Holiday Gift Ideas

We are working hard to convince our families to end adult gift giving. Such an unnecessary thing. Did this decades ago. It was a hard slog to get everyone convinced and it took several years because some people just "insist." One of the most satisfying things DW and I have done. It makes the holida...