Search found 3623 matches

by Pajamas
Tue Feb 20, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Furnace Setting for Vacation
Replies: 19
Views: 659

Re: Furnace Setting for Vacation

You also need to have a way to monitor the temperature or to ensure that the heat is working or have someone monitor it for you. If the heat fails, pipes can freeze, and then when they thaw, leak. That can cause a lot of damage resulting in expensive repairs. Some people are saying they lower their ...
by Pajamas
Tue Feb 20, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 33
Views: 1959

Re: Connecticut is charging sales tax on out of state purchases

Regarding the rotisserie chicken (and deli sandwiches, etc.), prepared food is sales/use taxable in CT. If you buy a rotisserie chicken in a supermarket in a Connecticut, whether it is subject to tax depends on where you pay for it. See the section, "Special Rules for Supermarkets": http://www.ct.g...
by Pajamas
Tue Feb 20, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Recent retiree - where to invest today
Replies: 6
Views: 382

Re: Recent retiree - where to invest today

Others will tell you not to time the market, to determine an allocation and stick with it. I'll give you a perspective on a related issue. At 65 your life expectancy is 18 years. You could keep $414,000 in near cash, say CDs, and spend about 4% adjusted for inflation starting with $16,560 a year and...
by Pajamas
Tue Feb 20, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Would umbrella policy protect from actions of litigious condo neighbor?
Replies: 12
Views: 1219

Re: Would umbrella policy protect from actions of litigious condo neighbor?

A condo policy usually includes some coverage for "loss assessments" or similar that pays if the condo association's coverage is exhausted in a situation such as you describe. That would probably apply before an umbrella policy.
by Pajamas
Tue Feb 20, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 38
Views: 2423

Re: Repairing Stucco: A Case of Contractor Gouging

The difference between price fixing and price discrimination is explicit collusion - admittedly difficult to prove. I submit above that contractors explicitly collude by sharing "rules-of-thumb" about how they quote in different neighborhoods and furthermore punish those tradespeople who don't coop...
by Pajamas
Tue Feb 20, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: condo rental and emotional support animals issues
Replies: 16
Views: 1764

Re: condo rental and emotional support animals issues

So did we have ESA back in the 60-90's I don't remember this being an issue? As far as i'm concerned ONLY Veterans, Police,Fireman people with real PTSD issues should have a service animal, i think it's gone to far !!!!!!!!!!! What about survivors of rape and sexual harassment and similar? What abo...
by Pajamas
Tue Feb 20, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 12
Views: 1181

Re: Considering move to Tulsa, OK

Do you have school-aged children? If so, consider how some of the state budget issues will affect their education.

http://www.tulsaworld.com/news/educatio ... 9e748.html
by Pajamas
Tue Feb 20, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 6
Views: 273

Re: Price of home heating oil vs gasoline?

Multiple reasons. Different products, seasonal demand is different, distribution systems are different. This seems to be a good overview of some of the factors: https://www.cga.ct.gov/2011/rpt/2011-R-0487.htm Here's a brief but good discussion of fuel oil issues: http://www.eei.org/issuesandpolicy/g...
by Pajamas
Tue Feb 20, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 38
Views: 2423

Re: Repairing Stucco: A Case of Contractor Gouging

Price fixing is illegal and a real drain on our economy. Class action suits have been filed for alot more trivial issues than this. No one victim warrants attention by the state, but if thousands are victimized, then the "private attorney general" steps in. Hence my original inquiry. And I'm tired ...
by Pajamas
Tue Feb 20, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 45
Views: 3517

Re: Sams Club vs Costco

For many items there is nothing bad about "Wal-Mart" quality. That could be true, but it is also true that Walmart pressures manufacturers to make cheaper versions of their products specifically for Walmart so they can be sold less expensively. That is true for everything from food products to bicy...
by Pajamas
Tue Feb 20, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 110
Views: 6169

Re: Suggest coffee maker please

Also the stainless version will last longer if you use it heavily. Aluminum will tend to warp from the heat. I love the sound these things make, I start drooling like a dog when I hear the rumble and whoosh! I have one made of aluminum that I have used for decades. It has certainly oxidized but has...
by Pajamas
Tue Feb 20, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Is this mold or foxing?
Replies: 3
Views: 667

Re: Is this mold or foxing?

Hard question to answer as some recent research has shown that microorganisms are likely involved in foxing. Brief discussion here with references provided: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3825568/ But that does look like typical foxing rather than a typical mold infestation. High humid...
by Pajamas
Tue Feb 20, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 110
Views: 6169

Re: Suggest coffee maker please

One thing I should mention about the moka express pots is that eventually the rubber gasket needs replacement. Don't replace it with one from Bialetti. Get one online made of silicone instead. The ones made of silicone should last indefinitely rather than needing replacement every few years.
by Pajamas
Mon Feb 19, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Gorilla Tape for Labels?
Replies: 13
Views: 730

Re: Gorilla Tape for Labels?

Good idea about the nail polish...and looking for it at a dollar store. I was considering it for the keys. It uses little brushes though. I don't think I could manuever a brush to write on a flash drive. But who knows. Yes, I think nail polish is best for applying a spot of color to be able to tell...
by Pajamas
Mon Feb 19, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Gorilla Tape for Labels?
Replies: 13
Views: 730

Re: Gorilla Tape for Labels?

The boxes are black. You could probably use a permanent metallic marker to write on black plastic. Would one of those work with a black flash drive? I have a bunch of black SanDisk drives that I apply little stick-on labels to and I'm looking for something better. I'm assuming that the metallic mar...
by Pajamas
Mon Feb 19, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 30
Views: 2765

Re: What do Bogleheads think of Passive income through Dividend Stocks

If you want to know more about the risks that people are referring to, you can google "sucker yield" and "yield chasing". High yields are often a signal that the market thinks the dividend will be cut. There are quite a few stocks yielding over 10% right now and that is even after some of them have ...
by Pajamas
Mon Feb 19, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 110
Views: 6169

Re: Suggest coffee maker please

Can you use drip coffee pre-ground grinds in a Moka pot? What will happen? And what about using espresso ground in a drip coffee maker? Thanks. You can use a coarser grind in a moka pot, but it is best to run it through a grinder first to get the finer espresso grind. I have been having to do this ...
by Pajamas
Mon Feb 19, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 414
Views: 32436

Re: What frugal thing did you do today?

I made an open face turkey sandwich for lunch using the two heels from the bread loaf. Waste not, want not. Chris I have never much liked the heels on sliced bread but I have found that if they are used in a sandwich with the crusty sides facing in that the difference is hardly noticeable, although...
by Pajamas
Mon Feb 19, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: IKEA Kitchen Cabinets?
Replies: 6
Views: 736

Re: IKEA Kitchen Cabinets?

Here are some previous discussions: https://www.google.com/search?q=%22ikea+cabinets%22+site%3Abogleheads.org Check with Ikea to see what local independent contractors they recommend. http://www.ikea.com/ms/en_AA/customer_service/kitchen_bathroom_laundry_services/installation.html There are also sev...
by Pajamas
Mon Feb 19, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Best Investment Options with Zero Earned Income
Replies: 16
Views: 944

Re: Best Investment Options with Zero Earned Income

If you don't have access to tax-advantaged accounts, then taxable is your only good choice for investments.

Best bet would be not to withdraw from tax-advantaged accounts if you have other money to spend. Maybe don't take installments from the 401(k). Why not roll it over to an IRA?
by Pajamas
Mon Feb 19, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 30
Views: 2765

Re: What do Bogleheads think of Passive income through Dividend Stocks

Agree that it doesn't make much sense in your situation to put money into stocks for a few years to earn dividends. What do you plan to do with the money in the long run? It would make more sense to me to spend some of the money for living expenses and to invest the rest for long-term goals. A part-...
by Pajamas
Mon Feb 19, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should I payoff my Mortgage?
Replies: 25
Views: 1407

Re: Should I payoff my Mortgage?

I wouldn't pay off a 2.75% mortgage when a 5 year CD will pay up to 2.65% and a 2 year CD will pay up to 2.35% unless I just didn't want to have a mortgage.
by Pajamas
Mon Feb 19, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2209

Re: Is window replacement this expensive?

Are there any other Anderson dealers who could price out the same windows and installation for you? Seems like you could get some kind of discount for multiple windows totaling $29k if for no other reason than they are all being done at the same time in the same place. Compared to the cost of replac...
by Pajamas
Mon Feb 19, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: At Cost Health Insurance: Subsidized or Not?
Replies: 1
Views: 138

Re: At Cost Health Insurance: Subsidized or Not?

Sounds like you are paying the full cost. Group plans are usually cheaper than equivalent individual plans but in your case the difference is not subsidized. This is common with COBRA coverage. Essentially, the former employee pays both the entire cost, part of which had been paid by the employer, p...
by Pajamas
Mon Feb 19, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 41
Views: 1566

Re: Misc Income [how to report with no 1099]

Spouse has helped out at the polls several times over the last few years. No 1099, no W2, no nothing other than a very modest check. I put it on line 21 and noted election worker. Basically a few bucks of thanks for volunteering when they were begging for help for a very, very long day and evening ...
by Pajamas
Mon Feb 19, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Gorilla Tape for Labels?
Replies: 13
Views: 730

Re: Gorilla Tape for Labels?

Barefootgirl wrote:
Mon Feb 19, 2018 1:32 pm
The boxes are black.
You could probably use a permanent metallic marker to write on black plastic.
by Pajamas
Mon Feb 19, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Sister is a good saver...she wants to buy a house now
Replies: 9
Views: 894

Re: Sister is a good saver...she wants to buy a house now

If she is only paying $1,150 in rent and is okay with her living situation, seems like that is too good of a deal to give up to buy much of anything. The $550k in a money market account drawing little interest is more of a problem that should be addressed. Sure, she could eventually be a multi-milli...
by Pajamas
Mon Feb 19, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5702

Re: Effect of spending money on appearance in career

No one there would care at all about your appearance (as long as it were not too extreme) if you were a man, would they? Realize that this has nothing to do with you personally, just the fact that you are a woman. From your description of your clothing and makeup, it sounds very appropriate for a wo...
by Pajamas
Mon Feb 19, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: To buy or not to buy in Boston for Investment
Replies: 18
Views: 1459

Re: To buy or not to buy in Boston for Investment

My assumption is that it is a nice place and hopefully down the line there will be some appreciation to the property. There are almost certainly better ways to create capital gains over the long-term than buying a condo in North Boston. By better, I mean more diversified, more chance of positive re...
by Pajamas
Mon Feb 19, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 41
Views: 1566

Re: Misc Income [how to report with no 1099]

Did you ask for the 1099? If she paid you $600 or more, she is required to issue you a 1099 you should get a 1099. Just report the income as if you had gotten a 1099 if for some reason you can't get one. As the recipient, you don't have to give the 1099 to the IRS anyway. If no taxes were withheld a...
by Pajamas
Mon Feb 19, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: 401K rollover [after job loss]
Replies: 6
Views: 405

Re: 401K rollover [after job loss]

Hello, was wanting insight on what to do with our Traditional 401K worth $200K or so. Wife,s company was sold and she will need to find a new job.She is 50yr , I am 54. Meanwhile we need to reinvest her current 401K. We were thinking about rolling it to Vanguard IRA or target retirement account?IRA...
by Pajamas
Mon Feb 19, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Is it wise for us to make a one-time lump sum mortgage payment?
Replies: 23
Views: 1179

Re: Is it wise for us to make a one-time lump sum mortgage payment?

thx1138 wrote:
Mon Feb 19, 2018 11:12 am
It seems like you don't understand what the yield curve is and what it means about the best estimate of forward going rates. Wiki has some good info on that if you'd like to learn.
Gee, thanks so much! :beer
by Pajamas
Mon Feb 19, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 2134

Re: Email from IRS this morning- is my information compromised?

Depending on your email address or whatever it is that is your username on the IRS website, it is possible that someone was trying to log into your account by accident. This has happened to me on multiple occasions (on other sites, not at irs.gov and I sometimes get legitimate emails intended for so...
by Pajamas
Mon Feb 19, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Is it wise for us to make a one-time lump sum mortgage payment?
Replies: 23
Views: 1179

Re: Is it wise for us to make a one-time lump sum mortgage payment?

That's an awfully big "might" since right now the market thinks interest rates for the next 30 years aren't going to be better than 3% and that inflation over the next 30 years will be no worse than 2%. You know something that a few trillion dollars worth of professional investors and pension funds...
by Pajamas
Mon Feb 19, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 126
Views: 6999

Re: Do you wear a wedding band? [at a job interview]

I never thought anything of it until doing job interviews recently and for some reason it occurred to me. Perhaps it was a female recruiter looking at my hand. . . . Edit: I asked this primarily from a professional perspective, such as a job interview. Does the lack of a wedding ring on someone who...
by Pajamas
Mon Feb 19, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Is it wise for us to make a one-time lump sum mortgage payment?
Replies: 23
Views: 1179

Re: Is it wise for us to make a one-time lump sum mortgage payment?

We were locked in at 4.25% on a 30 year. We could get a better rate on 20 years, but felt the ability to invest the difference in the 20 year and 30 year mortgage outweighed being locked in to a 20 year loan. We can pay extra on our 30 year loan and make it a 20 year. It leaves us some wiggle room ...
by Pajamas
Mon Feb 19, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Gorilla Tape for Labels?
Replies: 13
Views: 730

Re: Gorilla Tape for Labels?

Two things you might consider: Number the boxes with a permanent marker and keep an inventory of the items in them in an electronic document for reference. You can also print out the inventory for each box and put it inside the box for easy reference when actually opening the box. Rather than try to...
by Pajamas
Sun Feb 18, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6570

Re: Sell me on the benefits of an emergency fund

I like this quote and definitely agree with the first paragraph. For us, we like having around 20-25K around. The reason is that we like not having to think about money at all should we wish to book a big vacation or have to pay a major unexpected expense like a new furnace, for example. We can jus...
by Pajamas
Sun Feb 18, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 44
Views: 4595

Re: $12,000 Refrigerator?

It's all proportionate. If a three bedroom apartment is $2 million, a $12k refrigerator might not be standard but it doesn't seem quite so crazy in the context, either.
by Pajamas
Sun Feb 18, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Stock donation to alma mater
Replies: 6
Views: 544

Re: Stock donation to alma mater

I have exactly zero personal experience with company stock, but whichever would have the highest percentage of capital gains as a percentage of current value would give you the most benefit. Here's a link that might be helpful: https://www.mystockoptions.com/faq/index.cfm/catID/5A5E2B2B-07F0-4E14-9C...
by Pajamas
Sun Feb 18, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Speculating on natural disaster players/sectors
Replies: 6
Views: 355

Re: Speculating on natural disaster players/sectors

No, too much timing involved even for the casual holder of individual equities.
by Pajamas
Sun Feb 18, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Stock donation to alma mater
Replies: 6
Views: 544

Re: Stock donation to alma mater

Also, I have multiple long term shares under both categories that have long term gains but different basis? How do I select which ones are most beneficial to donate? Thanks! I would donate the ones with the highest capital gain as a percentage of current value to maximize the benefit. It would have...
by Pajamas
Sun Feb 18, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 414
Views: 32436

Re: What frugal thing did you do today?

I usually freeze half of a loaf of bread when I buy it to use for toast as it would get moldy before I finished it otherwise. I keep it in a bread bag inside a heavy-duty gallon-size freezer bag to prevent it from absorbing odors. The zipper freezer bags tend to fail at the ends of the zipper long b...
by Pajamas
Sun Feb 18, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4804

Re: Best plants to grow to save money for food costs

Depends on what you can best grow in your region and specific gardening area and how much those items cost when in season. No point in growing something available cheap. Something else to consider is what will be better quality than what you can buy. Nothing beats a perfectly-ripe, freshly-picked to...
by Pajamas
Sun Feb 18, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Target Retirement Fund Question
Replies: 20
Views: 1485

Re: Target Retirement Fund Question

BlackHat wrote:
Sat Feb 17, 2018 8:05 pm
Hello All,

Can an investor rest assured that Vanguard in 2060 will be the same Vanguard we know today?
Hopefully but not necessarily. Look at what has happened with TIAA-CREF, which once enjoyed a similar reputation.
by Pajamas
Sun Feb 18, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6570

Re: Sell me on the benefits of an emergency fund

Hope you don't live in Puerto Rico! :? I keep several weeks' worth of food (at least) and other supplies on hand for situations like hurricanes and earthquakes and have had to use at least some of it on more than one occasion, although there would have been alternatives had I been unprepared. Diffe...
by Pajamas
Sun Feb 18, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6570

Re: Sell me on the benefits of an emergency fund

Emergency funds are a great idea for people living on the edge. More than a third or a half of Americans would have to go into debt to cover a $500 or $1,000 unexpected expense, depending on which survey you look at. For people with sufficient financial assets it is just necessary to be able to acce...
by Pajamas
Sun Feb 18, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Not receiving reports and proxies on stocks
Replies: 2
Views: 170

Re: Not receiving reports and proxies on stocks

Just download the pdf version. Saves the companies the expense of printing and mailing the hard copies, is much kinder to the planet, and you can save them all to read whenever you want without devoting space to file cabinets. The pdfs are also easy to search and navigate and you can enlarge them to...
by Pajamas
Fri Feb 16, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: EverBank officially becoming TIAA Bank
Replies: 2
Views: 340

Re: EverBank officially becoming TIAA Bank

I have similar feelings about it. I don't really like the new name as much but then again, I don't really care about the name of my bank. As you note, TIAA certainly has not maintained the reputation it had years ago. So far there have been no changes that have affected me but I do worry that some w...
by Pajamas
Fri Feb 16, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting Prepaid Property Taxes
Replies: 7
Views: 677

Re: Deducting Prepaid Property Taxes

I am contacting others on this forum to see whether there is a substantive argument against following this statute when filing my tax return. Thanks in advance for any analysis you can provide! Seems like that second link you gave in your first post contains a substantive argument against following...