Search found 885 matches

by corysold
Thu Jun 25, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Opinion on my current HVAC quotes
Replies: 21
Views: 1601

Re: Opinion on my current HVAC quotes

The installer/contractor is the biggest factor in this. There are 3 or so main equipment makers, which own the majority of the brands. They use a lot of the same parts, which they don't make, but outsource. So there isn't much difference between equipment, withing some standard of acceptance. The in...
by corysold
Sat May 16, 2020 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Small businesses stopping employees from getting Pandemic payments?
Replies: 54
Views: 3445

Re: Small businesses stopping employees from getting Pandemic payments?

FWIW, the same thing happened to me. I was laid off, then brought back 9 days later after the employer applied for the PPP loan. I now make $300 less per week working then I did sitting home. But to be honest, I'd much rather work and earn my keep vs. getting some souped up UI benefits for 36 weeks ...
by corysold
Sat May 16, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12441

Re: Selling home - low ball negotiation

The average house sells for around 97% of list price. 10% is low, but it isn't insulting. The other point is, the value of your home is what someone is willing to pay for it. That's it. It doesn't matter what you think it is worth. If you aren't willing to sell for less that 2-3% of list, come back ...
by corysold
Sun May 10, 2020 6:22 pm
Forum: Personal Consumer Issues
Topic: Buying a used Jaguar
Replies: 40
Views: 2600

Re: Buying a used Jaguar

How is Jaguar still in business if every car they make needs to be off the road in 3 years?
by corysold
Sat May 09, 2020 6:46 am
Forum: Personal Consumer Issues
Topic: Does anyone have faucets or appliances hooked up that they never run?
Replies: 7
Views: 907

Re: Does anyone have faucets or appliances hooked up that they never run?

We have a pot filler by the stove that has been used once since we moved in 4 years ago, out of novelty if nothing else. At this point I don't use it for fear of creating a leak.
by corysold
Mon Apr 13, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: Estimate on a new hvac system. Is it reasonable?
Replies: 60
Views: 4163

Re: Estimate on a new hvac system. Is it reasonable?

The issue is the average consumer has no idea what goes into a good install, so the difference in quotes is hard to digest. The reasons the quotes vary are many. Union vs non-union. Large company vs. handyman. Differences in equipment brand, model, SEER, etc. I'd agree with getting multiple quotes. ...
by corysold
Mon Apr 13, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Raised Garden Beds - Building Material
Replies: 40
Views: 2020

Re: Raised Garden Beds - Building Material

How about cedar cedar fence pickets? The won't be quite as thick, but you can either line the inside with them, so your soil isn't in contact with treated lumber, or I'd imagine depending on the size of the bed that they'd hold up fairly well on their own.
by corysold
Sat Mar 28, 2020 4:25 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195773

Re: Bogleheads community discussion - Coronavirus

For those who keep saying ”80% are mild; you might not even know that you have it” , please read through this guy’s story. He’s in his 30’s. Wasn’t hospitalized, therefore categorized as “mild.” He definitely knows that he has it. Three weeks later, he’s still sick, by the way. It’s still not clear...
by corysold
Sat Mar 28, 2020 6:43 am
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13064

Re: How are you going to use your stimulus money?

Apparently we can expect $5,400. Seems a bit crazy. Some to the church who is struggling without being able to have mass. The rest we'll hold onto until this blows over. I won't likely get laid off, but things may slow way down, so this will be a good buffer. After that, who know, maybe I'll peruse ...
by corysold
Thu Mar 26, 2020 11:54 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195773

Re: Bogleheads community discussion - Coronavirus

Sorry. What I meant to say was the air in the attic will be shut off and it is above us. So I’m not too concerned about that. Any contaminants in that air will likely just die over time. We don’t go up there. It’s more just the start up of the unit blowing any contaminants onto us. The return air i...
by corysold
Thu Mar 26, 2020 11:24 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195773

Re: Bogleheads community discussion - Coronavirus

Thanks. Corysold. The second floor is the living area but the attic area is where the AC unit is and it has ductwork in the ceiling of the second floor which pushes air to us on second floor. Right now we would be running the AC. So is your concern that there is contaminants in the ductwork from th...
by corysold
Thu Mar 26, 2020 10:02 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195773

Re: BHs I need help. Unusual Corona Virus Situation

Please forgive me if this question is out of line on the BH network. I know we have a lot of very intelligent people here and I am asking for some help. I just replaced my upstairs heating and AC unit and all the ductwork which was old and nasty. I had a crew of five workers upstairs for two days. ...
by corysold
Sun Mar 22, 2020 9:08 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195773

Re: Bogleheads community discussion - Coronavirus

Can someone explain to me how heat makes the virus unstable? I understand the idea that higher humidities lead to less potential spread as the droplets can't travel as far in the air. But I don't understand why heat would make the virus more unstable. Our bodies are 98.6 degrees, so clearly is can s...
by corysold
Sat Mar 21, 2020 10:22 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 53158

Re: How Is Your Job Being Impacted By The Current Crisis?

Might be worth researching whether your job is considered "essential" or not. Illinois is going into shelter in place as of 5 PM today, following Cali and NY. If you aren't on the essential job list, you aren't going be working whether you want to or not, or whether your employer wants to close or n...
by corysold
Thu Mar 19, 2020 8:37 am
Forum: Investing - Theory, News & General
Topic: Maybe the Bare Essentials Economy Isn't to be Feared (a rather ruminative post)
Replies: 9
Views: 876

Re: Maybe the Bare Essentials Economy Isn't to be Feared (a rather ruminative post)

My mom told me 40 years ago that 90% of the economy is stuff you don’t need. It’s gotten worse since then. So yes, the service economy can stop, but it wasn’t producing anything material. This is hard to wrap your mind around for some people. With the productivity of the USA, if 20% of the people w...
by corysold
Thu Mar 19, 2020 6:50 am
Forum: Investing - Theory, News & General
Topic: Maybe the Bare Essentials Economy Isn't to be Feared (a rather ruminative post)
Replies: 9
Views: 876

Re: Maybe the Bare Essentials Economy Isn't to be Feared (a rather ruminative post)

We lived without media broadcasting for thousands of years. I don't think I'd say that's essential. Further, why would anyone work in any of those industries if there is nothing to spend their earnings on, other than food? If I'm getting my food whether I work or not, I'd be sipping a cold beverage ...
by corysold
Thu Mar 19, 2020 6:44 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195773

Re: Bogleheads community discussion - Coronavirus

Up we go, where we stop, nobody knows https://i.imgur.com/mxcgl6C.jpg https://www.worldometers.info/coronavirus/country/us/ Isn't this totally expected though? Most of the dramatic measures, closing of schools, restaurants, businesses, etc. all occurred in the last 4-6 days. Given that is the incub...
by corysold
Wed Mar 18, 2020 1:14 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 53158

Re: How Is Your Job Being Impacted By The Current Crisis?

HVAC technician in Midwest. Still working as of now. I guess heat is pretty mandatory this time of year. Will be interesting if work continues during the cooling season.

Though lack of cooling calls are usually described as more urgent than lack of heating calls by the customers, so who knows.
by corysold
Wed Mar 18, 2020 1:08 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195773

Re: Bogleheads community discussion - Coronavirus

If we let it run its course among those who won't be affected for two months, while those who would be affected stay home and healthy, why wouldn't that shorten the entire duration, vs. having everyone stay home and tanking the economy? Build up a herd immunity in those who aren't likely to be impa...
by corysold
Wed Mar 18, 2020 11:37 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195773

Re: Bogleheads community discussion - Coronavirus

Right, but the point of hitting it hard now, as we transition through this inflection point toward rapid geometric growth, is that without such measures our hospitals will be overwhelmed by several times over their capacity. The most important case to prevent (delay) is the next one. The next most ...
by corysold
Mon Mar 16, 2020 4:51 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195773

Re: Preferred greeting with clients for social distancing, elbow bump or other?

It is all changing rapidly. I change out HVAC equipment. That is somewhat essential as you can't live without heat this time of year in the Midwest (at least for a few more weeks), so we are still working. I have rubber gloves and a mask in my truck if anyone requests it. I wonder if I should be off...
by corysold
Mon Mar 16, 2020 6:43 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195773

Re: Bogleheads community discussion - Coronavirus

What I don't understand, given that such a small percentage of those in China were officially infected, is why the virus won't just start to spread again as soon as they open things up. There wasn't enough infection to develop a herd immunity, so what stops the remaining people from just having it s...
by corysold
Tue Mar 10, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4273
Views: 298667

Re: Refinance Mega Thread

Anyone else having issues with LenderFi? Seems to be a building trend. Their website has been down for a couple of days now. Can't get any rates or anything. Everything just keeps timing out.

Applied last week and haven't heard anything yet. Seems that is the norm?
by corysold
Tue Mar 10, 2020 6:31 am
Forum: Personal Consumer Issues
Topic: How To Stay Positive When Feeling Nickle and Dimed
Replies: 21
Views: 2895

Re: How To Stay Positive When Feeling Nickle and Dimed

If you know the total cost ahead of time I do not see any issue at all. True, but to me the issue is what counts as "ahead of time". Yes, I can not buy the ticket when the extra 20% in fees come up at checkout, but why should I have to go through the whole process before I know the total cost? Tota...
by corysold
Sat Mar 07, 2020 8:10 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138536

Re: Coronavirus (Consumer Issues) How you are preparing?

I am going to be cautious. I am definitely not going to be scare. Flu kills more people than the coronavirus so far . The new language is the real issue. [..] But I do know one thing--I don't recall there ever being an influenza outbreak on a cruise ship that killed six people. If you want to compa...
by corysold
Wed Mar 04, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: The unicorn mortgage: 30 year fixed under 3%
Replies: 90
Views: 15060

Re: The unicorn mortgage: 30 year fixed under 3%

If you don't want to be called, LoanDepot is not for you. I put my information in there for a refi and had a call literally 4 seconds later. I've had probably 15 in the day or so since.
by corysold
Tue Mar 03, 2020 6:24 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195773

Re: Coronavirus and the market

https://abcnews.go.com/Health/wireStory/italys-health-system-limit-virus-struck-lombardy-69331977 The hospitals in Italy are starting to get overwhelmed. This will happen in many cities in the US, too, maybe in a few weeks. Yet a lot of people here (and a big part of the "market") still think COVID...
by corysold
Sun Mar 01, 2020 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to get free $20K credit for about one year?
Replies: 22
Views: 2169

Re: How to get free $20K credit for about one year?

Bank of America Americard Platinum Plus has a 0% Transfer and 0% APR for 15 months. Only transfer limit is the amount of your credit limit. If you have a relationship with BOA you might be able to request higher than they initially give you.
by corysold
Sun Mar 01, 2020 1:29 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4002
Views: 306633

Re: Coronavirus and the market

How much growth is never going to happen though?

If car sales are down 92% right now, those people aren't just never going to buy cars again correct? At some point, they'll buy cars and sales will be up 200% one month, correct? Unless this is so much worse than currently portrayed?
by corysold
Tue Feb 25, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Selling a house with a safe
Replies: 26
Views: 2468

Re: Selling a house with a safe

I'd probably go with trying to hide it for showings and disclosing it to any potential buyers who make an actual offer.

The buyer needs to know it is there, but that shrinks the number of people who know about it dramatically.
by corysold
Tue Feb 25, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Job interview question: how do I explain wanting to leave my current job so soon?
Replies: 34
Views: 4040

Re: Job interview question: how do I explain wanting to leave my current job so soon?

Just wondering what is wrong with suggesting that you discovered the company does things you find unethical and you'd rather not work there?
by corysold
Tue Feb 25, 2020 10:24 am
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 22489

Re: What did you learn from the 2/24 sell off?

I learned I'm glad I switched to Fidelity. They were so kind to lock out my account so I couldn't even think about panic selling. What a great company and amazing customer service.
by corysold
Tue Feb 25, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 324480

Re: Best watch for around $5,000?

I don't think anyone under 30 even knows what a watch is. You think wrong. Watches are a status symbol. The right segment of people will always be interested in them because they’re expensive and conspicuous. I think the low end to mid range of watches of watches is in danger. I personally don’t kn...
by corysold
Tue Feb 25, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 24241

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

Only you know if you are overreacting and what your heart says.

However, if I was going to Italy in May, where there is actually currently an outbreak, I don't think I'd have an issue going to UK/Ireland, where there isn't one.
by corysold
Sat Feb 22, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Interest only mortgage: the conservative choice?
Replies: 87
Views: 8159

Re: Interest only mortgage: the conservative choice?

You are only 2 years into your home loan and 1/3 of your house is paid off. That's great!. As you have found out, the more principal you pay in the early years (like first 5-7 years) the more you save on interest. This $1.2M of loan is going to remain no matter what the stock market is doing or wha...
by corysold
Fri Feb 21, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: USC - Free tuition for families making under $80k
Replies: 46
Views: 2085

Re: USC - Free tuition for families making under $80k

USC has an endowment over 5 billion.

I'm assuming some of that subsidy is coming from there, not higher tuition from other students?
by corysold
Tue Feb 18, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Any ideas for a little extra money each year?
Replies: 34
Views: 3094

Re: Any ideas for a little extra money each year?

Check your local Craigslist to paper routes. Can earn $15,000-25,000/year. Hours aren't great, but are outside of regular working hours.
by corysold
Tue Feb 18, 2020 1:50 pm
Forum: Investing - Theory, News & General
Topic: Sell to rebuy later in the year...?
Replies: 41
Views: 2873

Re: Sell to rebuy later in the year...?

What is that lower calculated $?

The market went down over 3% on multiple occasions in 2019 and ended up around 28% for the year. When would you have gotten back in?
by corysold
Tue Feb 18, 2020 7:35 am
Forum: Personal Consumer Issues
Topic: Thoughts on Berkey Water Filters
Replies: 20
Views: 1503

Re: Thoughts on Berkey Water Filters

We have a 3 gallon and love it. Our water is so chlorinated our bathroom smells like a pool after the kids bathe and the water is pretty much undrinkable. The Berkey takes away all of the taste. It's pretty incredible actually how well it works. Our water is actually presoftened by the city and othe...
by corysold
Fri Feb 14, 2020 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Currently Employed-questions on applying for new job
Replies: 6
Views: 383

Re: Currently Employed-questions on applying for new job

Regardless of what you do, not having any work experience for the past 12 years + wanting to leave your job after 8 months is going to be a potential red flag for any employer. You need to work on fixing up your resume to explain the past 12 years. Were you doing any side jobs, volunteering, contra...
by corysold
Fri Feb 14, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Currently Employed-questions on applying for new job
Replies: 6
Views: 383

Re: Currently Employed-questions on applying for new job

Thanks. To further my second question, it isn't so much whether I have a valid reason, but since they were concerned about my work history before, I never made it to the interview process. Should I be putting that reasoning in the cover letter, resume, etc. somehow to alleviate those same issues and...
by corysold
Fri Feb 14, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Currently Employed-questions on applying for new job
Replies: 6
Views: 383

Currently Employed-questions on applying for new job

I've been employed as an HVAC technician for about 8 months, it is a union apprenticeship. I like the work, but the schedule with my current company hasn't been great for our family. Without going into much detail, I don't know when I'll be home on any given day, which makes after school care and we...
by corysold
Thu Feb 13, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 324480

Re: Best watch for around $5,000?

I would literally have to have 100 million dollars before I would consider spending 5K on a watch, and I probably still wouldnt. I have a cell phone that tells me what time of day it is. But hey, whatever floats your boat Such ostentatious displays of wealth really make me scratch my head. The same...
by corysold
Wed Feb 12, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138536

Re: Coronavirus (Consumer Issues) How you are preparing?

I guess I just don't see how this is different than a flu outbreak, which happens all of the time and no one makes special precautions. You should prepare for this differently than a flu outbreak. And you should prepare for this differently for reasons that have nothing to do with the virulence of ...
by corysold
Wed Feb 12, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138536

Re: Coronavirus (Consumer Issues) How you are preparing?

I guess I just don't see how this is different than a flu outbreak, which happens all of the time and no one makes special precautions. My kids daycare and the local Catholic school were both closed for a few days this week because so many kids had the flu. I don't know what the percentage was, but...
by corysold
Wed Feb 12, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138536

Re: Coronavirus (Consumer Issues) How you are preparing?

I guess I just don't see how this is different than a flu outbreak, which happens all of the time and no one makes special precautions. My kids daycare and the local Catholic school were both closed for a few days this week because so many kids had the flu. I don't know what the percentage was, but ...
by corysold
Wed Feb 12, 2020 10:42 am
Forum: Investing - Theory, News & General
Topic: Interest rates and Economy
Replies: 17
Views: 1197

Re: Interest rates and Economy

Somewhat related, is there a lower limit to what rates could go to? Could you in theory have -15% rates for example?
by corysold
Mon Feb 10, 2020 7:30 am
Forum: Personal Consumer Issues
Topic: Replace old working furnace in attic or wait
Replies: 26
Views: 1630

Re: Replace old working furnace in attic or wait

Do you know the efficiency of the furnace? Is your flue metal or PVC? A 80% furnace has no risk of a leak by itself. Any leaking would come from the AC components or a humidifier. A 90%+ furnace, ones with PVC venting, will condense water vapor and need a drain line. Those could potentially leak, bu...
by corysold
Sat Feb 08, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Help an Overthinker Pull the Trigger on a Used SUV Purchase
Replies: 34
Views: 2663

Re: Help an Overthinker Pull the Trigger on a Used SUV Purchase

My brother and sister in law used a car buying service. It was a mechanic who would, based on the information you gave him about your needs, search for cars that met the criteria, inspect the cars and help negotiate a fair price. I thought they said they paid around $500 for this service. But that w...