Search found 170 matches

by NYGiantsFan
Fri Jan 10, 2020 2:40 pm
Forum: Personal Consumer Issues
Topic: At what point do you donate/trash/sell/gift your junk?
Replies: 72
Views: 4186

Re: At what point do you donate/trash/sell/gift your junk?

I had advertised on craiglist "open house" for free items for one of our properties where tenant was evicted and left behind lots of stuff. I was surprised how quickly people took things. One family was running rooming house and they took 2 bedrooms furniture. There were about 20 boxes full of Chris...
by NYGiantsFan
Thu Jan 09, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: Simplicity
Replies: 77
Views: 10547

Re: Simplicity ["Minimalism” Movie on Netflix]

There is an easy fix. A) Move to a smaller house. B) Time to move across the country again. As for decluttering - two moves is as good as one fire. (Don't necessarily recommend torching the house, but ...) Actually, you should paint your home every 2 to 3 years. That will allow you to review and ta...
by NYGiantsFan
Mon Dec 23, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 6991

Re: What tech wiring in new build house?

We are building a home that we might live in for a while. Our current house is wired to the max for tech, but we currently have no home phone and only use wifi for our TV (Roku + YouTube TV). So if it were up to me, all we would have in the new house is electrical outlets. But that might not be goo...
by NYGiantsFan
Fri Dec 20, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: At a crossroad - Expensive House or Private School Tuition? UPDATE
Replies: 75
Views: 5939

Re: At a crossroad - Expensive House or Private School Tuition? UPDATE

Long-time lurker and I apologize for the long post but I can't think of a better group of people to ask this question to! I am 39 and my wife is 37 and we have 2 kids (6 and 4). We are both physicians and have been relatively frugal in our time since residency. We own our house (valued at around $3...
by NYGiantsFan
Tue Dec 17, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 55
Views: 6269

Re: For those who have a revenue generating website.

Thank you. Is there another content management system other than Wordpress that I should consider instead? Any other resources you use on your own sites you would particularly recommend? Look into Drupal. It is more programmer friendly than Wordpress. Interesting. I hadn't heard of Drupal. But, the...
by NYGiantsFan
Tue Dec 17, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 55
Views: 6269

Re: For those who have a revenue generating website.

Look into Drupal. It is more programmer friendly than Wordpress. Interesting. I hadn't heard of Drupal. But, then again, I'm not a programmer. I can see how this would be helpful if I get to the point that I am outsourcing some things. How difficult (or impossible) is it to migrate from one content...
by NYGiantsFan
Tue Dec 17, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: How Does Check Fraud Work?
Replies: 44
Views: 3396

Re: How Does Check Fraud Work?

https://www.wsj.com/articles/catch-me-if-you-can-scam-artist-has-a-warning-for-todays-consumers-1506002560 Read this article. WSJ: What is to stop someone from just making their own checks and stealing your account details? MR. ABAGNALE: Absolutely nothing. Think about this: You go into a convenienc...
by NYGiantsFan
Mon Dec 09, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 55
Views: 6269

Re: For those who have a revenue generating website.

Presintense wrote:
Sun Jun 16, 2019 1:58 pm
Thank you. Is there another content management system other than Wordpress that I should consider instead? Any other resources you use on your own sites you would particularly recommend?
Look into Drupal. It is more programmer friendly than Wordpress.
by NYGiantsFan
Tue Nov 26, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Nursing home <$10K in NJ/PA
Replies: 21
Views: 2973

Re: Nursing home <$10K in NJ/PA

Keep in mind one of the most important things, if at all possible, is choosing a facility where family can visit regularly. This is the most important thing (and cost also). Family member went through similar situation recently. Even we visited almost daily, we found serious service issues during t...
by NYGiantsFan
Wed Nov 20, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Best way to do partial Carpet to Wood Floor conversion?
Replies: 7
Views: 651

Re: Best way to do partial Carpet to Wood Floor conversion?

How old are the existing floors? Are they in good shape? If not, I might consider Option 3, replace everything with new. When we priced out refinishing, it was only slightly cheaper than brand new from a local contractor. Might not hurt to at least get a price for all new? Though judging by the cos...
by NYGiantsFan
Wed Nov 20, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Best way to do partial Carpet to Wood Floor conversion?
Replies: 7
Views: 651

Re: Best way to do partial Carpet to Wood Floor conversion?

Cody wrote:
Wed Nov 20, 2019 2:55 pm
Your bedroom is 1450 square feet?
Or is it 50 square feet of wood and 700 square feet of carpet?
Clarifing this will help us make a better opinion on what we think you should do.

Did I read that right?
There are multiple bedrooms in 1450 SQ FT. About 50% covered with wood and 50% with carpet.
by NYGiantsFan
Wed Nov 20, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Best way to do partial Carpet to Wood Floor conversion?
Replies: 7
Views: 651

Best way to do partial Carpet to Wood Floor conversion?

Our bedrooms around 750 SQ FT are covered with wood floor (red oak) and remaining 700 SQ FT are carpet covered. We wish to convert remaining carpeted area to wood floor (red oak). Contractor gave 2 options 1) Buy pre-refinished wood (red oak) and he will try to match existing wood floor to new floor...
by NYGiantsFan
Wed Nov 20, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: What to replace my 2010 Q5 with
Replies: 39
Views: 2435

Re: What to replace my 2010 Q5 with

Thanks. I'll have to (of course) test drive it (or any potential vehicle) as I definitely don't want a decrease in performance. The Q5 is pretty fun to drive. Acura RDX might be a good option actually. The 3rd gen was introduced last year to rave reviews, with many people saying it's the best Acura...
by NYGiantsFan
Mon Nov 18, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]
Replies: 45
Views: 4278

Re: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]

Our insurance allows price comparison online from pharmacy.
https://my.cigna.com/web/secure/my/esti ... lookuptool
From that, we found out that Walmart 90 days supply is cheaper than mail order!
by NYGiantsFan
Sun Nov 17, 2019 10:20 pm
Forum: Personal Investments
Topic: How to sell my Aunts shopping plaza?
Replies: 29
Views: 3823

Re: How to sell my Aunts shopping plaza?

As other suggested, best choices online can be Loopnet.com, crexi.com You may be able to list on this on your own. Please do basic analysis. Commercial real estate goes on CAP rate. For the big name tenants (including decent fast food franchise, Starbucks, Drug store, banks etc), you can sale buildi...
by NYGiantsFan
Thu Nov 14, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW job loss transition period bonus negotiation
Replies: 17
Views: 1226

Re: Need Help - DW job loss transition period bonus negotiation

+1 Your wife must let the new company know that you want to train (aka share specialized knowledge) with a competitor. It could violate terms of your employment. Might be fine, might be not. It's the new employer's prerogative. Thanks for this detail. We will review her new employment agreement to ...
by NYGiantsFan
Thu Nov 14, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW job loss transition period bonus negotiation
Replies: 17
Views: 1226

Re: Need Help - DW job loss transition period bonus negotiation

+1, tell new employer you have to stay in new job to help transition to new person, if they are a reputable company they would understand as they would want you to give them the same courtesy. Otherwise, just give notice to current employer, and say I am sorry I am leaving one week short of our agr...
by NYGiantsFan
Thu Nov 14, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW job loss transition period bonus negotiation
Replies: 17
Views: 1226

Re: Need Help - DW job loss transition period bonus negotiation

Is the 6 week bonus payment promise in writing? (I doubt it). Since she has a new job with similar salary with a start date before the "agreed upon" conclusion date of her present job she should give the standard two weeks notice and start her new job as scheduled. They told her they wanted to get ...
by NYGiantsFan
Thu Nov 14, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW job loss transition period bonus negotiation
Replies: 17
Views: 1226

Re: Need Help - DW job loss transition period bonus negotiation

Is it just me or does this sound like a really odd situation? As of late August, employer decides she’s being let go and asks her to train a replacement. But as of mid-November (two and a half months later) they still haven’t hired one? She works in specialized scientific area. Current company is s...
by NYGiantsFan
Thu Nov 14, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW job loss transition period bonus negotiation
Replies: 17
Views: 1226

Re: Need Help - DW job loss transition period bonus negotiation

123 wrote:
Wed Nov 13, 2019 6:19 pm
Is the 6 week bonus payment promise in writing? (I doubt it).
Yes. It was promised in writing as current employer wanted to find new employee and train to that person.
by NYGiantsFan
Wed Nov 13, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW job loss transition period bonus negotiation
Replies: 17
Views: 1226

Need Help - DW job loss transition period bonus negotiation

Situation DW received notice at the end of summer (late Aug) that company will end her employment. Company wanted her to stay till mid December to transition out to new person and offered about 6 weeks salary as a bonus after job ends. Company has failed to hire new person so far. DW found another j...
by NYGiantsFan
Wed Oct 23, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card for 2 mil+ in annual spending?
Replies: 60
Views: 6713

Re: Best credit card for 2 mil+ in annual spending?

FrugalProfessor wrote:
Tue Oct 22, 2019 11:31 pm
If my credit limit is $150k, I need to spend $200k, and my balance is $0 can I simply make a $50k payment to the account today then spend $200k without exceeding the credit limit?
I asked that question to US Bank and answer was no. It is better to check with BOA on that.
by NYGiantsFan
Fri Sep 06, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Starting A New Busines
Replies: 23
Views: 1996

Re: Starting A New Busines

depending on the nature of your business, an llc might be pointless and an unnecessary expense. generally speaking, it will not shield you from legal liability resulting from your actions. business (e&o) insurance is most likely far more important from a personal liability management perspective. y...
by NYGiantsFan
Tue Jul 16, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 102
Views: 6501

Re: College cost prediction and savings for 5, 3, and newborn

I have a 5 and 3 year old with newborn coming. I have started 529 for them all and live in a favorable state for that investment vehicle (Indiana). The question is: how do you accurately predict the cost of college education? I don't want to overfund the 529 (I don't think, but might not be bad ide...
by NYGiantsFan
Mon Jul 01, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: New Landlord Here! Your Top Tips to include in a Lease?
Replies: 52
Views: 4622

Re: New Landlord Here! Your Top Tips to include in a Lease?

Hi all! I am renting out my first property. It's a condo. The renters will be a mother, daughter, and small dog. What are your top tips to include in the lease? (Besides the standard language. I am using the standard association of Realtors form. ) Thanks! This is a good starting point. 1. Notice t...
by NYGiantsFan
Tue Jun 25, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4384

Re: Tenant identity theft issue on lease

Iridium wrote:
Mon Jun 24, 2019 6:01 pm
Sandtrap wrote:
Mon Jun 24, 2019 5:17 pm
...
All of this is very state dependent though and OP never gave us the state. From the timelines of the eviction process to how easy/possible it is non-renew leases without showing cause will all influence the optimal lease length and approach.
State is NJ. Thanks
by NYGiantsFan
Mon Jun 24, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4384

Re: Tenant identity theft issue on lease

In my state, the standard lease document has a place for tenant signature and a witness signature. I'm assuming your lease does not have that. Lesson learned here. I have been renting out for about 9 years and first time, I have seen this type of issue. In future, I plan to ask for copy of driver l...
by NYGiantsFan
Mon Jun 24, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4384

Re: Tenant identity theft issue on lease

a bit confusing, so they are already tenants? as you said they just sent back the lease (?)...but then you said there is rent delinquency which means they are already renting from you? To me, sounds like the mother is already the tenant - and daughters signature necessary because of the less than s...
by NYGiantsFan
Mon Jun 24, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4384

Re: Tenant identity theft issue on lease

As a landlord, I had requested SSN, Credit reports from tenants (mother & daughter). Lease had both mother and daughter's names and mother sent lease back with both signatures. I am dealing with rent delinquency and daughter is indicating that it is not her signature on the lease document. Any sugg...
by NYGiantsFan
Mon Jun 24, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4384

Re: Tenant identity theft issue on lease

F150HD wrote:
Mon Jun 24, 2019 10:58 am
a bit confusing, so they are already tenants? as you said they just sent back the lease (?)...but then you said there is rent delinquency which means they are already renting from you?
Yes. They are renting from me and has past due rent.
by NYGiantsFan
Mon Jun 24, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4384

Tenant identity theft issue on lease

As a landlord, I had requested SSN, Credit reports from tenants (mother & daughter). Lease had both mother and daughter's names and mother sent lease back with both signatures. I am dealing with rent delinquency and daughter is indicating that it is not her signature on the lease document. Any sugge...
by NYGiantsFan
Mon Jun 10, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 4390

Re: Preventing Identity Theft

Thank you everyone for your help and suggestions. What I have now is this: 1. Freeze with all 9 credit reporting agencies 2. Have a separate checking account with a small balance for bills 3. Sign up on USPS for informed delivery so no one else can 4. Sign up on SSA so no one else can 5. Set up ema...
by NYGiantsFan
Mon Jun 10, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Update in post 1: Panasonic LUMIX DSC-FZ35 camera.
Replies: 40
Views: 2367

Re: Panasonic LUMIX DSC-FZ35 camera.

I am looking for a used (cheap) camera with good zoom capabilities. I would like to take pictures of backyard wild life and maybe nearby wildlife. On a tight budget. Hoping someone can comment on the Panasonic LUMIX DSC-FZ35. I have a bid on it on EBay. Would also consider other suggestions too. Ho...
by NYGiantsFan
Fri May 17, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC on rental single family home ? List of Lenders?
Replies: 3
Views: 406

Re: HELOC on rental single family home ? List of Lenders?

As suggested, PenFed does it. They limit their total loan exposure per client to 450k (Unless they have change in last 2 years). Wells Fargo also does it. (They won't do single apartment in apartment complex). TD Bank on their website indicates that they do it. Their rates are quite high for investm...
by NYGiantsFan
Wed May 15, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Bank called my business manager
Replies: 49
Views: 5573

Re: Bank called my business manager

Checks are pretty weird because it isn't 1930 and we have computers now. Similarly I am e-communicating with you right now instead of writing you a letter. Try using electronic deposits and transfers and see if the bank thinks those are weird. I have done ACHs with a big bank(I have been client for...
by NYGiantsFan
Thu Apr 18, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: .
Replies: 73
Views: 4925

Re: Washing Machine that uses a LOT of Water

The LG front loader I am using has a button on right side for extra water. I use that when washing clothes from gardening covered in dirt. It works well. Didn't know such an option existed. I'll look specifically for that "next time". Thanks! RM Also, trick here is not to overload the washer when u...
by NYGiantsFan
Tue Mar 26, 2019 9:47 pm
Forum: Investing - Theory, News & General
Topic: Move beyond stocks after couple mil ?
Replies: 44
Views: 6401

Re: Move beyond stocks after couple mil ?

How about buying a small business franchises (Like say a subway for 100k) ? I have reviewed all previous responses. None of them has really focused on Subway (or any other Fast food franchise) Even if you decide to go through that route, please be aware of following. -Check volume of existing locat...
by NYGiantsFan
Mon Mar 25, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: East coast road trip with young kids, any stops?
Replies: 27
Views: 1635

Re: East coast road trip with young kids, any stops?

soitgoes2 wrote:
Mon Mar 25, 2019 9:44 am
If you are avoiding cities their is also the Caryola factory in Easton Pennsylvania.
With that, you can visit Aamish Country including Hershey FactPark & Dutch Wonderland (based upon your kids age).
by NYGiantsFan
Tue Mar 12, 2019 3:13 pm
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 6050

Re: Can i rely on rental property?

Current ROI for managed rentals are 5%, but my expectation is that 5% is okay as long as i can increase rent yearly to follow inflation rate For 5% return, you can buy safe commercial properties with long term lease (Example, Bank, Drug Store (CVS, Walgreen) or Franchise locations (Starbucks etc).
by NYGiantsFan
Mon Feb 18, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: High earners: thoughts on college and aid
Replies: 91
Views: 7952

Re: High earners: thoughts on college and aid

Our kids (both) received scholarships from State University. One received full and second received about more than half. Both also received scholarship from second public college in the state. Both decided to attend private top 10 schools. I had submitted FAFSA and tax return afterwards. During scho...
by NYGiantsFan
Tue Feb 05, 2019 12:54 pm
Forum: Personal Investments
Topic: Strategies for mortgage pay down
Replies: 32
Views: 3019

Re: Strategies for mortgage pay down

We took advantage of lower interest rate to refinance 30 years mortgage to 15 years and later on to 10 years. It works best when you have bought house in good economy with 30 year mortgage. When economy starts to go south, interest rate tends to go down and 15 year mortgage or 10 year mortgage inter...
by NYGiantsFan
Mon Jan 07, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: master suite features for addition
Replies: 66
Views: 3842

Re: master suite features for addition

When we had a master suite constructed, the architect suggested a sloped ceiling that followed the outline of the pitched roof, rather than a standard 8' flat ceiling; he said it would make the room feel much bigger, given the floor area limitations. This was a great idea, and we have loved this th...
by NYGiantsFan
Sat Nov 17, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 238
Views: 36807

Re: [Financial] Habits of the Rich

I would have to debate calling most people here rich. To me, rich is at the level when you are well past the FIRE stage (Financial Independence, Early Retirement). Of course, you can eventually become rich, but most people here would not qualify. I would say that you are rich if your assets are pro...
by NYGiantsFan
Mon Sep 17, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: How to tell when a Mango is ripe?
Replies: 19
Views: 1396

Re: How to tell when a Mango is ripe?

It depends on type of the mango. Some types are meant to use as a vegetable (for cooking) and they tend not to ripen easily. Some mangoes will remain green and can be complete ripe inside (Google langdo mango). Best way to figure out is to smell it. Many types coming from Mexico doesn't have much sm...
by NYGiantsFan
Mon Aug 27, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 6344

Re: Planning for an Indian wedding In NY/ NH area.

2) Can someone actually give some guidance about having an Indian wedding, with a reasonable price range with 400 guests. Heard from a family friend (who is bride's uncle) about similar number of guests. 3 days event at beach front location in Maryland, cost was 250k. Groom and bride split costs at...
by NYGiantsFan
Wed Jul 25, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Cablevisions Bill
Replies: 31
Views: 1744

Re: Cablevisions Bill

ok, so let's say I do Optimum internet which is probably like $50 plus fees, then I have to pay either $35-$50 for Direct TV now, then I am assuming I need something to get the Direct TV onto my TV which is something like a Roku or Amazon Fire Stick, which cost money, but only one time. I Tried usi...
by NYGiantsFan
Tue Jul 24, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Cablevisions Bill
Replies: 31
Views: 1744

Re: Cablevisions Bill

We went through same decision early this year and decided to go with Youtube TV. It was $35 (Now $40/month) Pluses -3 Streams -All local channels in NYC area -Great sports line up including YES (Yankee and Basketball games) Make sure to invest in good streaming player. Preferences should be Ethernet...
by NYGiantsFan
Thu Jul 05, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 4861

Re: Anyone Tried Youtube TV Yet?

We have it for almost six months. Love the service for following reasons -Teens enjoy viewing on laptop/tablets. -You can record the shows. -Movies (streamed already) can be viewed for 30 days or so (Netflix/Amazon service may not be needed). -Great sports package -Great local stations -Great stream...
by NYGiantsFan
Tue Jul 03, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property Sewer bill
Replies: 5
Views: 641

Rental property Sewer bill

In our township, sewer bills are in landlord name. Water bill are tenants' responsibility. Sewer bill depends on water usage. Semi-annual sewer bill remains less than 100 in all except one property. We live in the same town and our sewer bill is also below 100. In one particular property, sewer bill...