Search found 5952 matches

by Pajamas
Fri Aug 03, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think I am being too conservative on buying a house?
Replies: 46
Views: 3817

Re: Do you think I am being too conservative on buying a house?

Thinking about this some more, you should at least consider eloping instead of having a wedding to save money. To convince your wife to forego the wedding, agree to have a baby ASAP, like starting this weekend. WIN-WIN.
by Pajamas
Fri Aug 03, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4482

Re: Gated communities pros and cons? (Atlanta or anywhere.)

A lot of people mention HOA. I also have been against the HOA for the last 20 years. However, with the popularity of Airbnb the last couple of years, I would really appreciate a small fee HOA which can have bylaws to not let residents Airbnb their houses to strangers. Our neighborhood is not run do...
by Pajamas
Fri Aug 03, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think I am being too conservative on buying a house?
Replies: 46
Views: 3817

Re: Do you think I am being too conservative on buying a house?

I wouldn’t say we have “a bunch of debt”. It’s really just 20k in student loans, plus an auto loan at 0% and a $55k mortgage. You are incorrect on the “forever house”. This is just a very expensive area. Your talking like a dormered out cape cod as in what you get for 400-450k around here. Nothing ...
by Pajamas
Fri Aug 03, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10298

Re: Few weeks into new job recieved significantly better offer elsewhere

Burning bridges -- sure -- but it's a very small company. Low probability of it making a major impact in my life. Don't underestimate how your reputation will proceed you in the future, even if you work in a large industry in a large city, especially since you are currently in a senior position. Ev...
by Pajamas
Fri Aug 03, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5766

Re: Comfort level with Credit Card Balance

What is your relationship with your credit card balance or do you just pay it off each month? Balance paid in full automatically each month by transfer from checking. I don't understand how you can both not pay off the balance monthly and also not pay interest unless you have an introductory offer....
by Pajamas
Fri Aug 03, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think I am being too conservative on buying a house?
Replies: 46
Views: 3817

Re: Do you think I am being too conservative on buying a house?

I don't understand why you are making extra principle payments on your mortgage when you are planning to sell the condo anyway and the rates on your student loans are significantly higher. Why not divert that money to the student loans now? If you want to be conservative, stay in the condo until you...
by Pajamas
Fri Aug 03, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2844

Re: Should I roast my own coffee?

After reading another coffee thread, I started looking into roasting myself. I have an popcorn popper so am considering giving it a shot. The more coffee I drink, the more I feel I'm starting to pick up on freshness and flavor. I enjoy lighter roasts especially with my cold brew. Am thinking about ...
by Pajamas
Fri Aug 03, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Temporary investment of house sale proceeds $250K
Replies: 6
Views: 664

Re: Temporary investment of house sale proceeds $250K

Yes, you don't really want to invest money for such a short period of time, just save it in near-cash form as suggested by ExitStageLeft so it's not at risk.
by Pajamas
Fri Aug 03, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4371

Re: Ticks and common sense?

Getting back on topic, my expectation is that ticks will not crawl under my tights. Do y'all think that's right? It seems to me that most women nowadays wear tights for almost anything and everything and most certainly hiking, running, walking, camping because they are so comfortable which I can re...
by Pajamas
Fri Aug 03, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Digital Subscription Nightmare - PSA
Replies: 24
Views: 1463

Re: Digital Subscription Nightmare - PSA

In 2017, I briefly ordered and later cancelled, a digital subscription to the Washington Post. I doubt it is anything nefarious as far as the access to the accounts but it does sound like they are charging you without your permission. I'm wondering if your cancellation somehow did not take effect b...
by Pajamas
Fri Aug 03, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4371

Re: Ticks and common sense?

.... My understanding is that a negative blood test doesn't mean that Lyme is not present.....treatment is based on symptoms following a tick bite rather than on a positive blood test. You have it backwards. I think what I said is correct. A negative blood test doesn't mean that Lyme is not present...
by Pajamas
Fri Aug 03, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7089

Re: DW job in dangerous area

In my experience, most "dangerous" neighborhoods aren't really dangerous at all for outsiders. I would caution against making a decision based on how safe you "feel" because those feelings are almost universally wrong. Look at the crime stats, which should be easy to find. Is someone who works in a...
by Pajamas
Fri Aug 03, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Cannot redeem [Non-traded stock]
Replies: 4
Views: 386

Re: Cannot redeem [Non-traded stock]

Unlisted REITs have a lot in common with vacation timeshares. Don't be surprised if your shares aren't worth anything close to what you think they are, especially since there is no planned liquidity event such as a public listing in the foreseeable future. Here are three firms that deal in unlisted ...
by Pajamas
Fri Aug 03, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: light bulb bases
Replies: 4
Views: 532

Re: light bulb bases

Sometimes you will see a European-standard E27 base for sale online and you can use them interchangeably with the North American-standard E26 base.
by Pajamas
Thu Aug 02, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4371

Re: Ticks and common sense?

I have limited experience removing ticks from people, but I've removed scores from dogs. I've always found a certain amount of manipulation must be done with a deeply embedded tick just to get decent access. You should get a tick removal tool. Makes it much easier. https://www.google.com/search?q=t...
by Pajamas
Thu Aug 02, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4371

Re: Ticks and common sense?

How will you know if the liquid soap caused the tick to regurgitate or not? How will you know if pulling tick out with tweezers caused the tick to regurgitate or not? It can't regurgitate into your bloodstream if the hypostome is pulled out. https://www.nationalgeographic.com/science/phenomena/2013...
by Pajamas
Thu Aug 02, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4371

Re: Ticks and common sense?

We can all try the liquid soap deal and report back. Be sure to note exactly which liquid soap was used. If it doesn't work, then one always has the option to try to remove another way which can also be reported. Ain't Social Media great? How will you know if the liquid soap caused the tick to regu...
by Pajamas
Thu Aug 02, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4911

Re: Which diet soda pop do you enjoy?

I miss Tab. Why don't you drink it any more? Years ago I drink a lot of it, too, but don't drink soda often these days, and almost never at home. I still find the idea of "Diet Coke" somewhat preposterous because Tab was the diet version of Coke, at least to me. Diet Wild Cherry Pepsi - The other c...
by Pajamas
Thu Aug 02, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4371

Re: Ticks and common sense?

A quick search turned up this letter, published without comment or correction in the Journal of Family Practice: https://www.mdedge.com/sites/default/files/issues/articles/JFP_06405_Letters.pdf I think that letter might encourage studies of the technique but I would trust it as much as I would any ...
by Pajamas
Thu Aug 02, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7089

Re: DW job in dangerous area

Having quickly skimmed the thread, and being a former resident in the city of Chicago, I would decide that my wife s safety is worth far more than a nice salary or job. I d go for less money in a safe place in any big city. Same should be true in suburban and rural areas. Guns are more of a problem...
by Pajamas
Thu Aug 02, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4371

Re: Ticks and common sense?

You think that counterclockwise motion is significant? What happens clockwise? I have no idea. :D That's just what the doctor told me. I asked if I could use bar soap, and she said no, which also doesn't make much sense to me. But I can't argue with the results. At first, I thought she was just app...
by Pajamas
Thu Aug 02, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2151

Re: Hiking vacation in November - any recomendations?

With one week only, consider travel times. Look for something relatively quick and easy to get to so you can maximize time on the trail without needing to take the first day you arrive just to recover from getting there. Pretty much every state has some great areas for hiking.
by Pajamas
Thu Aug 02, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 53
Views: 3625

Re: What’s your Value Colombian coffee?

lazydavid wrote:
Thu Aug 02, 2018 2:40 pm
If you like dark roast, you want something like a Guat, which is cheap and can handle heat well.
Okay, then that's probably why praxis likes the Guatemalan beans.
by Pajamas
Thu Aug 02, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off Student Loan vs Taxable Account/Liquidity
Replies: 9
Views: 514

Re: Pay off Student Loan vs Taxable Account/Liquidity

Agree that you should pay off $12k in student loans and simplify your life. If it were $120k it might be a different matter.
by Pajamas
Thu Aug 02, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4482

Re: Gated communities pros and cons? (Atlanta or anywhere.)

FlyAF wrote:
Thu Aug 02, 2018 1:47 pm
Each instance was between 50k - 100k to have them fixed/re-made and left them useless / open for a couple of months each time.
Seems it would have been more cost-effective to hire security guards to man the gates.
by Pajamas
Thu Aug 02, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Consistently over budget on food - what are you guys eating?
Replies: 70
Views: 6132

Re: Consistently over budget on food - what are you guys eating?

I really like the white cheddar ones. The supermarket had a three-day sale with the 7oz boxes for $.88. I was relatively good and only bought one box, which I've been eating reasonably slowly (still 1/2 box left five days later). I like the Tabasco ones best. If I could get them at that price I wou...
by Pajamas
Thu Aug 02, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7089

Re: DW job in dangerous area

Katietsu wrote:
Thu Aug 02, 2018 1:00 pm
Honestly, the most frightening experiences of my life have been in an “Ivory Tower” and in a neighborhood of million dollar houses.
Would you be willing to share some of those experiences here?
by Pajamas
Thu Aug 02, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7089

Re: DW job in dangerous area

No help from google or wikipedia. Im being sincere. Its more important to me to know the law then it is to win a debate- and with that in mind, I cant find any federal statute prohibiting a gun in the car in a school parking lot. Okay, here you go, in brochure form from ATF so you can print it out:...
by Pajamas
Thu Aug 02, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: NT
Replies: 20
Views: 1309

Re: Advisor trying to convince me to buy annuities

Also, if this is an experienced salesperson, anything you say he has heard before and already has a prepared response to it. Salespeople are taught how to counter objections as part of their training.
by Pajamas
Thu Aug 02, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7089

Re: DW job in dangerous area

I guess it is no surprise that this would devolve into a gun debate. It is very obvious that it would. It certainly didn't need to. I doubt that would seriously be considered an acceptable solution by B3GINN3R's wife, anyway. "I was worried about taking a job in a dangerous neighborhood but I'm goo...
by Pajamas
Thu Aug 02, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying income restricted housing
Replies: 2
Views: 393

Re: Thoughts on buying income restricted housing

I'm not familiar with the ones in Boston but in NYC some are places where I would want to live but most of them would not be. Most of the desirable income restricted housing is rental. Many of the owned apartments are in buildings that are not well maintained and not in good financial shape. Some of...
by Pajamas
Thu Aug 02, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7089

Re: DW job in dangerous area

Youre mistaken. In regards to gun carry, federal Law only applies to federally controlled facilities. Guns are prohibited in certain parks, post offices, military bases, federal offices, lands administered by Corp of Engineers, etc. Gun carry permits are issued by state agencies. Gun laws differ gr...
by Pajamas
Thu Aug 02, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1815

Re: Land Purchase Possible or Forget About It?

Seems like they just spouted off the $20k figure from the top of their head. You might offer them 10% over appraised value since they are cousins and to discourage them from looking for other buyers but it doesn't seem like anyone would have much use for the property or would be willing to pay more ...
by Pajamas
Thu Aug 02, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Consistently over budget on food - what are you guys eating?
Replies: 70
Views: 6132

Re: Consistently over budget on food - what are you guys eating?

nimo956 wrote:
Mon Jul 30, 2018 4:02 pm

Essentially, I don't buy any packaged foods in a box (outside of pasta). No . . . Cheez-Itz . . .
What? No Cheez-Its? Some forms of deprivation are too horrible for me to contemplate. :twisted:
by Pajamas
Thu Aug 02, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: NT
Replies: 20
Views: 1309

Re: Advisor trying to convince me to buy annuities

Advisor = salesperson. A salesperson's livelihood depends on selling things. You're basically asking what to say to a shark so that it will stop trying to bite you. It's a shark's nature to bite you and nothing you say will change that. The only thing you can do is swim away from the shark and get o...
by Pajamas
Thu Aug 02, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 53
Views: 3625

Re: What’s your Value Colombian coffee?

I order two 1 kilo vacuum sealed bags of dark roast whole bean coffee and grind it coarse and brew in a French press. Doesn't a dark roast ruin high quality coffee beans by destroying any subtle flavors and making the coffee taste bitter and burnt? Seems like a waste of money and good coffee beans.
by Pajamas
Thu Aug 02, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 3196

Re: Weird Portfolio Guy Returns

9.5 out of 10? With market timing? Uh....no. I consider myself a 7.5 out of 10. The majority of my portfolio is solid 3 fund. I have a lot of US Savings bonds from long before I discovered Bogleheads, that I don't think fits in well (about 15% of my portfolio) and I decided to buy $5k of BRK-B this...
by Pajamas
Thu Aug 02, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 3196

Re: Weird Portfolio Guy Returns

magicrat wrote:
Thu Aug 02, 2018 9:40 am
If you are looking for a deal I suggest diversification. It has massive positive benefits and is practically FREE. It is as close to a free lunch as you will find in economics.
Harry Markowitz and the Efficient Frontier:

https://en.wikipedia.org/wiki/Harry_Markowitz#Research
by Pajamas
Thu Aug 02, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Dental implant in Tijuana
Replies: 37
Views: 3941

Re: Dental implant in Tijuana

Hi folks, Has anyone gotten dental implants done in. Tijuana, or ensenada? How does one go about doing this? Recommendations for dental surgeon? Thanks Are you familiar with dental implants and the fact that they require several visits? You might look into dental schools for treatment if you don't ...
by Pajamas
Thu Aug 02, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Co - signed a Mortage, Now wants out
Replies: 57
Views: 6234

Re: Co - signed a Mortage, Now wants out

Bradley37 wrote:
Thu Aug 02, 2018 8:25 am
Now, I wanted out of it.
Why? Might be better to address the underlying issue in a different way. Current mortgage rates are much higher.
by Pajamas
Thu Aug 02, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3776

Re: New job commute

1 1/2 hours for 34 miles each way sounds truly miserable. The fact that it's a new job probably means that your feelings about it will increase. Might be best to admit now that you did not foresee how bad the commute would be and find another job. You could talk to your employer about the commuting ...
by Pajamas
Thu Aug 02, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Which offer to accept on vacant land?
Replies: 17
Views: 1927

Re: Which offer to accept on vacant land?

Why did the two developers back out and why did the offers drop so much in just a year? You might want to go with the developer you think has the best chance of getting the approvals and as quickly as possible so the deal will close. Otherwise, a year, two years from now, you'll be right back where ...
by Pajamas
Thu Aug 02, 2018 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a pep talk
Replies: 39
Views: 5022

Re: Looking for a pep talk

If all of that is true, why am I not seeing my net worth budge when I check in every few months? It still feels like for our gross income ($350k) and the amount in investments/savings and the decreases in debt, that net worth should be increasing faster. Is there a dollar amount where you really ga...
by Pajamas
Thu Aug 02, 2018 12:03 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 3196

Re: Weird Portfolio Guy Returns

Here, take this quiz from memory only without looking up any answers: Name three of the top ten holdings of each of the following four ETFs: USA Real Estate ETF (VNQ) Utilities ETF (VPU) Industrials ETF (VIS) Materials ETF (VAW) Name three specific pieces of military equipment made by Lockheed Marti...
by Pajamas
Wed Aug 01, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Property investment - Chase cash flow or paying off the mortgage faster
Replies: 3
Views: 558

Re: Property investment - Chase cash flow or paying off the mortgage faster

You shouldn't consider starting a real estate business if you can't decide which mortgage is better. Do some more reading about being a landlord and especially about financing properties. Crunch all the numbers both ways and also include other variables such as down payment amount. You should have s...
by Pajamas
Wed Aug 01, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Payoff rental property or invest in the market
Replies: 15
Views: 1503

Re: Payoff rental property or invest in the market

What's the rate on the mortgage? Is the interest you pay deductible? Market returns might be higher but there is risk that they might be lower or negative. Paying off a mortgage is a guaranteed return, but you would also lose leverage and likely some tax advantages on your rental property. I would a...
by Pajamas
Wed Aug 01, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 6929

Re: Unexpected early retirement - requesting advice

Consider making it work now and pulling the trigger very soon rather than asking if it can work. You certainly have enough assets and surely your spending is at least somewhat flexible. Biggest risk to your finances would be negative market returns soon in your retirement so take that into account....
by Pajamas
Wed Aug 01, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7089

Re: DW job in dangerous area

But a gun, learn how to shoot, carry the gun. She probably wouldn't be able to get a permit to do that at school and the penalty for doing so illegally is up to $5k or 5 years under federal law and she would almost certainly lose her job, as well, which undermines taking the job in the first place....
by Pajamas
Wed Aug 01, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 6929

Re: Unexpected early retirement - requesting advice

Consider making it work now and pulling the trigger very soon rather than asking if it can work. You certainly have enough assets and surely your spending is at least somewhat flexible. Biggest risk to your finances would be negative market returns soon in your retirement so take that into account.