Search found 309 matches

by Millennial
Sat Jun 27, 2020 6:34 am
Forum: Personal Consumer Issues
Topic: DVR for OTA TV
Replies: 53
Views: 2800

Re: DVR for OTA TV

I used Plex for this. It's really great (especially because we can access the recordings and live TV from any TV in the house via Roku apps).

It is not simple though. Based on your list of wants, I would not use Plex.
by Millennial
Wed Jun 24, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: tesla Autopilot temp price drop from $3k -> $2k, worth it?
Replies: 10
Views: 1302

Re: tesla Autopilot temp price drop from $3k -> $2k, worth it?

I think basic AP (not EAP) at $2k is worth it. We have FSD on ours, and that has not been worth it.
by Millennial
Wed Jun 24, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5737

Re: New 4K TV: LED, QLED or OLED?

Do yourself a favor and Just buy a Vizio M series or TCL 6 series. Unless you’re willing to shell out thousands of dollars, these TVs go head to head with others at higher price points. This is the best advice here, IMO, unless you want to spend >$3k for better blacks. If that's the case, LG OLED.
by Millennial
Wed Jun 24, 2020 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: LenderFi Refinance - Closing Amount Higher than Principal Amount?
Replies: 13
Views: 938

Re: LenderFi Refinance - Closing Amount Higher than Principal Amount?

Yes, it is from the June statement. Got it. Just want to make sure this is something normal. Do you recommend I make my upcoming payment that's due on 07/01 but not late until 07/15? Again, I'm signing the closing docs tomorrow. Do not make your 7/1 payment. The payoff amount is $308k because that ...
by Millennial
Wed Jun 24, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11399

Re: What is the single best piece of exercise equipment you bought for your home?

A smart trainer for my road bike. What do you have? I road bike spring-fall, and do indoor in the winter. However this year with my kids out of school/camp, I'm left at home being Mrs. Mom to them all day and can't get out for hours. I've been using Youtube, CatEye Cadence and Fluid trainer, but wo...
by Millennial
Wed Jun 24, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11399

Re: What is the single best piece of exercise equipment you bought for your home?

A smart trainer for my road bike. This has allowed me to use a virtual cycling platform (RGT, Zwift, BKool, etc) which I have found way more interesting than just cycling in the basement... The workouts, challenges, and especially races against real-world competitors, make me want to use it every da...
by Millennial
Mon Jun 22, 2020 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Old House: “As Is:: or Inspected for Seller for Unknown Major Defects to Disclose
Replies: 12
Views: 805

Re: Selling Old House: “As Is:: or Inspected for Seller for Unknown Major Defects to Disclose

That term just indicates to potential buyers that you don't intend to repair the house or make repair concessions. At least in my area, that term also indicates that offers with inspection contingencies will not be accepted. Sure, the buyer can have an HI if they wish, but - along with not negotiat...
by Millennial
Mon Jun 22, 2020 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Old House: “As Is:: or Inspected for Seller for Unknown Major Defects to Disclose
Replies: 12
Views: 805

Re: Selling Old House: “As Is:: or Inspected for Seller for Unknown Major Defects to Disclose

Are other homes in the area being flipped by contractors? Seems like that might be the best future for this house, given the desirable area. If that's the plan, I wouldn't bother getting a pre-inspection. I would just list it as-is and see what you get for offers. Buyers can schedule an HI prior to ...
by Millennial
Sat Jun 20, 2020 7:29 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising to sale price
Replies: 41
Views: 4958

Re: House not apprising to sale price

Options are listed above, so I won't relist them, but I'll add that it is common for buyers to note a "minimum appraisal value" that is less than their offer value in some markets. Buyers do this where markets favor sellers, and where they must compete against cash or cash-like offers. This gives th...
by Millennial
Thu May 28, 2020 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Best source of 25k needed for settlement
Replies: 10
Views: 1101

Re: Best source of 25k needed for settlement

A 401k loan may make sense in this situation (relatively small loan amount for short duration) assuming you're unlikely to leave your employer (including being fired) for the duration of the loan. They tend to have very low interest rates (my employer's rate is currently under 1%). I would typicall...
by Millennial
Tue May 26, 2020 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Worst House on the best block?
Replies: 52
Views: 4502

Re: Worst House on the best block?

I don't know about worst, but we bought a house with a lot of needs and potential improvements. Let's say bottom quartile. We bought on a great block, with great neighbors, and a 1/4 mile walk from a city square (~25 restaurants, two theatres, a major subway stop, a bunch of local shops, and great o...
by Millennial
Tue May 26, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Software advice needed: remote tech assistance
Replies: 10
Views: 721

Re: Software advice needed: remote tech assistance

Chrome Remote Assist is perfect for this. Super easy to use as long as recipient has Chrome, and if they don't it's not much harder than WebEx. It's free and secure.
by Millennial
Sun May 17, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: How to connect washing machine drain hose to narrow standpipe
Replies: 17
Views: 796

Re: How to connect washing machine drain hose to narrow standpipe

You need to get a plumber. That drain pipe is too short and too small. Too short is easy to rectify, as other posters have noted, but too small is not. There is also no sign of a trap - someone needs to make sure there is one. This isn't the store's fault. Even if they'd sent a plumber, with the tim...
by Millennial
Sun May 17, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: How to connect washing machine drain hose to narrow standpipe
Replies: 17
Views: 796

Re: How to connect washing machine drain hose to narrow standpipe

A new washing machine delivery was supposed to include installation, but the delivery guys said they couldn't connect the drain hose to the standpipe because the old drain hose was connected to it. Should have refused delivery. Now ask for a refund of what the plumber charges? Not going to work. Th...
by Millennial
Sun May 17, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: How to connect washing machine drain hose to narrow standpipe
Replies: 17
Views: 796

Re: How to connect washing machine drain hose to narrow standpipe

Assuming I can get past this drain hose connection ... would you use plumber's tape on the thread of water supply hoses to make a more water-tight seal? I did some simple kitchen sink drain repair a few years ago and the instruction was to use plumber's tape. The Washing machine manual doesn't say ...
by Millennial
Mon May 11, 2020 8:42 pm
Forum: Personal Consumer Issues
Topic: Regret Concept 2 Model D purchase
Replies: 24
Views: 2638

Re: Regret Concept 2 Model D purchase

Question, is the rower really efficient as a cardio machine, compared to a stationary cycle or treadmill? It seems there’s a bit of a adaptation phase, and involves a forward backward motion that was tiresome in addition to chafing hands. I think it can be, but I'll admit it can be hard to get the ...
by Millennial
Mon May 11, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: Shrinking Jeans in Washer/Dryer
Replies: 29
Views: 1459

Re: Shrinking Jeans in Washer/Dryer

DTalos wrote:
Mon May 11, 2020 6:53 pm
Are baggy jeans in style?
Definitely not. Slim maybe. Skinny if you can.
by Millennial
Mon May 11, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Regret Concept 2 Model D purchase
Replies: 24
Views: 2638

Re: Regret Concept 2 Model D purchase

arrieros81 wrote:
Mon May 11, 2020 7:39 pm
I regret purchasing it; could hardly row more than 10 minutes without my hands becoming insanely sore and chafed.
Over time, you build up calouses and this goes away.
by Millennial
Mon May 11, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance; Bad Driver Penalty
Replies: 21
Views: 1723

Re: Car Insurance; Bad Driver Penalty

Are there other incidents on his record? Wife and I drive a lot of miles, have new cars (and hers would fall into the "luxury" category). We live in a major city. Our car insurance is only $1200 per year combined... I can't imagine why it was $3500 per year before the accident unless there are some ...
by Millennial
Tue Apr 28, 2020 6:16 am
Forum: Personal Investments
Topic: Brighthouse Shield Annuity Pitched to Parents - check my work?
Replies: 23
Views: 1614

Re: Brighthouse Shield Annuity Pitched to Parents - check my work?

Thanks for the input everyone, I appreciate it, especially Mel for the Forbes link and actuallyxy for the link to the other thread. Seems like a very similar product by a different name!
by Millennial
Mon Apr 27, 2020 9:37 pm
Forum: Personal Investments
Topic: Brighthouse Shield Annuity Pitched to Parents - check my work?
Replies: 23
Views: 1614

Re: Brighthouse Shield Annuity Pitched to Parents - check my work?

Thanks for the advice - I am with you on the idea this is a salesman they should run from, trust me. And I doubt they need an annuity, but I know an SPIA is almost always the answer if they do. I am trying to "stay in my lane" a bit here, or at least ease into this. They asked me about this one prod...
by Millennial
Mon Apr 27, 2020 8:41 pm
Forum: Personal Investments
Topic: Brighthouse Shield Annuity Pitched to Parents - check my work?
Replies: 23
Views: 1614

Brighthouse Shield Annuity Pitched to Parents - check my work?

I got a call from my parents this weekend - they visited a financial advisor before the lockdown started and they met over Zoom last week to get his recommendations. He's trying to sell them an annuity product, and they asked me to take a look at it and let them know what I thought. I'm hoping to so...
by Millennial
Sat Apr 25, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: DD's apartment complex requires renters insurance
Replies: 50
Views: 2085

Re: DD's apartment complex requires renters insurance

Landlord here. I require it for a few reasons: 1 - selection bias (I think someone who resists renters insurance is likely to be less responsible) 2 - my insurance company may pursue damages against a tenant, should an at-fault tenant cause a loss that the insurer pays out (for instance, they leave ...
by Millennial
Tue Apr 21, 2020 8:39 pm
Forum: Personal Consumer Issues
Topic: Anybody here pay less than $40 a month for home internet and with what company?
Replies: 62
Views: 4382

Re: Anybody here pay less than $40 a month for home internet and with what company?

Yes. $33.45 or so with all fees for 50/10 with RCN. Every year they raise it $10, and I call and tell them I'd like to cancel and switch to Comcast, and every year they bring it back down to $30 + fees.
by Millennial
Tue Apr 21, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9270

Re: Parents want me to pay off their mortgage in exchange for title

One tax implication: if you get the house as a gift, you get their cost basis. If you buy it for the payoff, your basis will be $180k. If you inherit the house, your basis is the value at the time of their passing. If they've owned it a while, this could mean a $100k+ tax bill when you sell.
by Millennial
Tue Apr 21, 2020 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2632
Views: 210399

Re: Refinance Mega Thread

frankandbeans wrote:
Tue Apr 21, 2020 1:06 pm
Is it your primary residence? I'm curious about how lenders price these, as I found for a pure investment property lenders add 0.5-0.75%.
It is my primary. My experience with investment property financing is similar - +.5-.75%. Also 75% ltv required.
by Millennial
Tue Apr 21, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2632
Views: 210399

Re: Refinance Mega Thread

Would everyone mind stating with the interest rate, LTV, etc. whether their loan is jumbo? I'm not finding rates anywhere close to 3% or under for variable jumbo loans so I suspect most of these great refinancing offers are for conforming loans? I am closing tomorrow on a 3.25%, 30 yr fixed jumbo f...
by Millennial
Tue Mar 31, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Leak near water meter
Replies: 4
Views: 379

Re: Leak near water meter

No, water meters have a lower reporting limit, under which they don't move even when there is a little flow. It depends on the meter model and age, but often at 0.1-0.2 gpm registers as zero. If you have a good shutoff valve at the meter, and a way to install a pressure gauge in your house, you can ...
by Millennial
Sun Mar 29, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: Wireless 5.1 soundbar
Replies: 9
Views: 596

Re: Wireless 5.1 soundbar

However upon digging further, it seems that the sattelite speakers and subwoofers need to be connected via a cable. That is not correct. The only wire input to the sub is power, the audio signals for the sun and rear speakers are wireless. There are wires from the sub to the rear speakers, as the a...
by Millennial
Fri Mar 27, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Bosch Crystal Dry - any personal experiences with this witchcraft?
Replies: 40
Views: 5426

Re: Bosch Crystal Dry - any personal experiences with this witchcraft?

Nearly A Moose wrote:
Thu Mar 26, 2020 2:05 pm
OP, did you end up getting it?
Thanks!
Not yet, reno is planned for this summer. Hopefully.
by Millennial
Wed Mar 25, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus check from pandemic 2020
Replies: 37
Views: 3224

Re: Stimulus check from pandemic 2020

CNBC reports 2018 agi
by Millennial
Sun Mar 22, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: So I bought a gravel bike. Now what do I need (accessories, Zwift, etc.)?
Replies: 25
Views: 1449

Re: So I bought a gravel bike. Now what do I need (accessories, Zwift, etc.)?

It really depends what you want to do with it. Everything you mentioned is necessary for some folks and would go unused by others.
by Millennial
Tue Mar 17, 2020 6:49 am
Forum: Personal Consumer Issues
Topic: Teflon pan brand
Replies: 24
Views: 864

Re: Teflon pan brand

I bought T-fal professional based on the recommendation of Cooks Illustrated/ATC. They have performed well and are pretty cheap ($20-35 deepening on size). I cook a lot and plan on replacing nonstick every 3 years or so.
by Millennial
Sun Mar 15, 2020 9:01 am
Forum: Personal Consumer Issues
Topic: Water detection system
Replies: 15
Views: 934

Re: Water detection system

Tech Hive recommends Phyn Plus, or (2nd choice) Flo by Moen, as "Whole Home" (rather than 1- or 2-point) detection systems. I think the Moen is probably the better bet for your use, as they seem to mostly recommend the phynn because Moen wants you to pay for the fixture by fixture flow monitoring. ...
by Millennial
Sun Mar 15, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: Water detection system
Replies: 15
Views: 934

Re: Water detection system

The difference in cost is because the ihome system will only alert you, the Moen system will shut off the water.

I installed a Moen Flo about a week ago. It's still in "learning" mode so no automatic detection yet, but everything else seems fine so far. Install was easy enough and the app works.
by Millennial
Mon Mar 09, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: mountain bike purchase
Replies: 31
Views: 1294

Re: mountain bike purchase

The way to really get good bang for your buck with bikes is an online, direct to consumer company like YT, Canyon (on the higher end) or Bikes Direct (lower end). These come with some significant drawbacks though, as it's tough to determine sizing, it won't be tuned perfectly out of the box (or re-t...
by Millennial
Mon Mar 09, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: mountain bike purchase
Replies: 31
Views: 1294

Re: mountain bike purchase

Shallowpockets wrote:
Mon Mar 09, 2020 9:56 am
She can go with the 27.5 or the 29er wheels.
It's tough to make a smaller sized frame with 29er wheels and keep the geometry ideal. Unless she's well above average height for a female, 27.5 is probably the right call.
by Millennial
Sun Mar 08, 2020 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: does umbrella insurance cover professional liability? (at work)
Replies: 6
Views: 759

Re: does umbrella insurance cover professional liability? (at work)

My Geico policy specifically excludes professional liability. I suspect that is generally the case, but I can't be sure. My has a professional liability policy that covers me so I didn't look into it too much, to be honest.
by Millennial
Sun Mar 08, 2020 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance claim - Which assets are protected ?
Replies: 8
Views: 1013

Re: Umbrella Insurance claim - Which assets are protected ?

Geico is non fiduciary in this perspective. 1. In my umbrella policy, there is a FAQ section, where it says, how much umbrella policy one needs ? it says, include your 401K which I feel Geico is deceiving their customers... 2. When I called Geico and spoke with a CA licensed agent, and the agent sa...
by Millennial
Mon Mar 02, 2020 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 296
Views: 45209

Re: 30 year mortgage under 3%

Thanks for the LenderFi recommendation. I checked them out and they were offering a 30-year 3.125% re-fi with a net cost of $0 after lender credits, so I pulled the trigger and applied and was conditionally approved. This will lop off about $48,000 in interest over the life of the loan and reduce m...
by Millennial
Mon Mar 02, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2632
Views: 210399

Re: Refinance Mega Thread

I was just able to lock a 30-yr at 3.25%, $1.05MM loan on a multifamily, $1.4MM value, with a regional bank in MA. Need to move $250k in for this rate, would have been $3.375 without. Thanks to all who have posted in this thread - I was able to get quotes from a number of lenders that you mentioned ...
by Millennial
Sat Feb 29, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: Boiler cracked - heating alternatives?
Replies: 22
Views: 1126

Re: Boiler cracked - heating alternatives?

Thanks for all the responses. Is natural gas available in your town? Yes, I'll look into it. If oil is your only choice, then heat pumps may make sense. What utility provides your electricity? If you're on a town utility, you likely have very low electric rates compared to Eversource/National Grid....
by Millennial
Fri Feb 28, 2020 6:19 am
Forum: Personal Investments
Topic: Yuck... RSU's vested today. So much for the grand spending plans. But the taxes seem astronomic.
Replies: 17
Views: 1839

Re: Yuck... RSU's vested today. So much for the grand spending plans. But the taxes seem astronomic.

and you pay less in capital gains. I don't think that's right. RSUs are taxes as income at vesting, and their cost basis is established at the same time. Presuming a sale at the same price later, op will pay more cap gains due to the lower basis. This will typically result in less overall tax, whic...
by Millennial
Mon Feb 24, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Does Biomedical Engineering School Matter?
Replies: 94
Views: 6369

Re: Does Biomedical Engineering School Matter?

I'm an engineer, but admittedly in a different field. I been hiring manager or on hiring team for >25 entry level engineers. For reference, I went to a well regarded private school for my degrees, but many of my coworkers went to state schools with decent programs. Some went to private schools not k...
by Millennial
Mon Feb 24, 2020 9:36 am
Forum: Investing - Theory, News & General
Topic: Net worth approaching lifetime earnings. How many years did it take?
Replies: 50
Views: 5936

Re: Net worth approaching lifetime earnings. How many years did it take?

Based on SSA record, as a couple (both 34) we are at $2.1mm earnings, $1.8mm net worth. Not quite there, and honestly now that our earnings have risen substantially, I am not sure we'll ever get there. At least not during working years.
by Millennial
Thu Feb 20, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma Tax
Replies: 21
Views: 2414

Re: Credit Karma Tax

I used CK tax this year and it went well. Issues from prior year's were fixed.
by Millennial
Wed Feb 19, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Good Vacuum for Car
Replies: 30
Views: 2054

Re: Good Vacuum for Car

I have a wet/dry vac also which is great for deep cleaning. But I got a Dyson v7 car and boat and it's great. I got it refurbished from eBay at about $100, I use it every day, around the house and in the car. Battery is ok, 15-20 minutes, enough to clean up. I was trying to compare this Dyson v7 wi...
by Millennial
Sun Feb 16, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: How would you repair this outdoor drain?
Replies: 8
Views: 1133

Re: How would you repair this outdoor drain?

The large black tube is a corrugated HDPE drain pipe. As noted above, the smaller black hose is likely a sump pump outlet (check valve on the end prevents water from siphoning back if the catch basin is full of water). I would probably form and pour concrete with the same inner diameter as the rotti...
by Millennial
Sun Feb 16, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Credit Karma Tax - free and recommended (issues from prior years resolved)
Replies: 15
Views: 1126

Credit Karma Tax - free and recommended (issues from prior years resolved)

In 2018, I posted a couple of times with issues with Credit Karma Tax, specifically related to backdoor roth (some "hacking" of answers needed to fill out 8606 correctly) and MA schedules X&Y (CK did not support deductible 529 contribution, so I had to paper file state taxes). In case it helps anyon...
by Millennial
Sat Feb 15, 2020 10:26 pm
Forum: Personal Investments
Topic: Refinance from 15yr 2.75% to 30yr 3.5%?
Replies: 11
Views: 1507

Re: Refinance from 15yr 2.75% to 30yr 3.5%?

When I did something similar, the bank just needed to see an accepted offer on the house we were selling before the closing date of the house we were buying. As long as they had that, they removed house 1 mortgage from the debt/income ratio. I owned both houses for about 6 weeks, but they didn't car...