Search found 3343 matches

by adamthesmythe
Tue May 26, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: Painting the house//estimates and experiences
Replies: 20
Views: 1383

Re: Painting the house//estimates and experiences

I don't understand why a person who can move furniture can't do the entire job of painting. Saves a lot of money, is relaxing, offers a feeling of accomplishment, and sometimes is more carefully done.

Now exterior painting of a multistory house...that's another story.
by adamthesmythe
Tue May 26, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2098

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

Yeah, you're crazy to think about this. You could make it work with 2 adults if you organized it with stops along the way and a few days at parks at the end. I can't imagine doing it with kids unless they can be thoroughly tranquilized with media. Given the additional overhead associated with hotels...
by adamthesmythe
Mon May 25, 2020 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Customer hasn't paid me not worth cost of lawyer but...
Replies: 40
Views: 4315

Re: Customer hasn't paid me not worth cost of lawyer but...

Maybe your customer is making the excuse because he just doesn't have the cash. .... If he can't pay he should say he can't pay instead of making ridiculous excuses. It may help to know that the deadbeat is being evasive and dishonest. There are plenty of examples of people in responsible positions...
by adamthesmythe
Mon May 25, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 61
Views: 3099

Re: New Vehicle: Forester or Rav4 for boglehead couple

I am presently working on buying a new Rav4. I am not looking at Subaru because I don't want a CVT. Same with Honda (CVT on the CRV). Also I once had a Honda and had a less than satisfactory experience. Be sure to realistically compare new vs. used with Toyota. Slightly used at a good price may be h...
by adamthesmythe
Mon May 25, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Last-minute lien on home found - sign (as seller) anyway?
Replies: 13
Views: 1542

Re: Last-minute lien on home found - sign (as seller) anyway?

I would be very surprised if the buyer would be willing to close before this is resolved.

Does the buyer know about this issue? His title company is going to tell him anyway.
by adamthesmythe
Sun May 24, 2020 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pull a trigger on a home purchase or continue renting?
Replies: 45
Views: 2935

Re: Would you pull a trigger on a home purchase or continue renting?

With a home you would be throwing your money away on interest and property taxes As a renter you're throwing it away on your rent. When it's financially responsible, I think the long term benefits of home ownership are pretty considerable. Only if the home value goes up. No, only if it doesn't go d...
by adamthesmythe
Sun May 24, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: Would you buy a new car without a spare tire?
Replies: 21
Views: 974

Re: Would you buy a new car without a spare tire?

What's your use case? Local? Long commute? Dangerous cold weather? Rough back roads with no traffic? Kids in the car? Unreliable cell phone coverage? You have to assess the risk and inconvenience of a potential flat. Having said that- flats are rare. I do not keep AAA because of a bad experience wit...
by adamthesmythe
Sun May 24, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice for undertaking a PhD
Replies: 47
Views: 2833

Re: Financial advice for undertaking a PhD

Be aware that after a PhD you will probably have to take a PostDoc position at a relatively low salary after the PhD, so add 1-2 years to the length of time living like a student. Financially: I have a PhD, and my starting full-time salary after a postdoc position was the same, inflation adjusted, ...
by adamthesmythe
Sun May 24, 2020 5:49 pm
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 24
Views: 3673

Re: Del Webb 55+ communities?

Do any of you live in a DW community or have thoughts about them vs. other similar active retirement communities? Looking for thoughts/opinions, etc. Florida based would be my first choice. Thanks Not Florida, but... Do think about the "what next" stage. We have friends that chose a very nice "55+"...
by adamthesmythe
Sun May 24, 2020 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 55
Views: 3109

Re: New Tires or New Car?

Does the car have a full size spare? If so leave the spare on the car and purchase a cheaper new spare, or get one used for the spare. Then get rid of the vehicle. If it doesn't have a full size spare replace it with a cheap new or used tire and trade the car in. Perhaps try to trade it in as is wi...
by adamthesmythe
Sun May 24, 2020 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Customer hasn't paid me not worth cost of lawyer but...
Replies: 40
Views: 4315

Re: Customer hasn't paid me not worth cost of lawyer but...

Maybe your customer is making the excuse because he just doesn't have the cash. I suggest keeping after him on a regular basis for a few months. After a few months is may be more practical go after him in small claims. The "half" proposal above might work but based on the posting the average yield i...
by adamthesmythe
Sun May 24, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: Does software play a role in choosing TV
Replies: 28
Views: 1295

Re: Does software play a role in choosing TV

I've heard good things about YouTube tv. I think OP is after the hahdweah not the content. I suspect the software is pretty much the same for a particular manufacturer. If you like the Samsung software then get one of them. Samsung produces a very adequate TV. For some reason, though, there is no B...
by adamthesmythe
Sun May 24, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 71
Views: 5072

Re: NJ property taxes too high. What are my alternative states?

This is another one of those boglehead threads where the OP posts a question and then disappears. Meanwhile the bogleheads discuss the problem among themselves, and often the discussion drifts further and further away from the OP's original question. OP, if you're still reading this thread, please ...
by adamthesmythe
Sat May 23, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 71
Views: 5072

Re: NJ property taxes too high. What are my alternative states?

1. How far do you want to drive? Get a compass and draw a circle.

2. Are you sure your taxes will go down just because you downsize? I suspect you will need to downGRADE also if you want to cut taxes.
by adamthesmythe
Fri May 22, 2020 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice for undertaking a PhD
Replies: 47
Views: 2833

Re: Financial advice for undertaking a PhD

I've never had a Ph.D. student who finished past the age of 30. I have encountered a few- very few. What goes wrong for older students? I observed the same thing during my PhD program. Maybe I should say that I have never taken on a student that was close to 30. We had applicants from time to time ...
by adamthesmythe
Fri May 22, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: Please recommend a comfortable sofa bed
Replies: 19
Views: 997

Re: Please recommend a comfortable sofa bed

Thanks all. I think I’m gonna get the Crate and Barrel one. I recently bought one from Crate and Barrel. I haven't slept on it but I have sat on it. I am happy with it as a place to sit, and the mattress looks like it will be comfortable. Guests did not complain. A sofa bed is inevitably a compromi...
by adamthesmythe
Fri May 22, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice for undertaking a PhD
Replies: 47
Views: 2833

Re: Financial advice for undertaking a PhD

(Retired Ph.D. here and advisor of many Ph.D. students.) OP has not stated the field, and much advice will be field-dependent. Absent that information- one piece of advice. Don't go into debt to get a Ph.D. ESPECIALLY for a late Ph.D. with less time to pay it off. I've never had a Ph.D. student who ...
by adamthesmythe
Fri May 22, 2020 10:03 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 52
Views: 2390

Re: What to look for when buying a table saw?

I have used many different machine tools but table saws give me the willies. A nextdoor neighbor lost a finger in a table saw accident... So if you get one without the safety stop- spend plenty of time and thought learning how to use it safely. Even if you do have the safety feature...work deliberat...
by adamthesmythe
Thu May 21, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: Blown Power Amplifier: Repair or Replace? [resolved]
Replies: 39
Views: 1776

Re: Blown Power Amplifier: Repair or Replace?

There's an overload indicator, and when I want maximum volume, I typically turn it up until the overload indicator light starts blinking, and then back down so that it stays off. ! Maybe you need a new amplifier with a megawatt rating. Seriously- try the suggestion about using the 4 ohm switch sett...
by adamthesmythe
Thu May 21, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: Floor are slanting
Replies: 23
Views: 973

Re: Floor are slanting

First of all, 1953 is not very old. Even so squeaking floors in a house of that age or more are not surprising and in themselves are not a problem. (By the way, newer truss construction seems to have completely eliminated squeaky floors.) As far as slope is concerned- the question is how much and ho...
by adamthesmythe
Wed May 20, 2020 9:18 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4069

Re: what to do about 1000s of dandelions/weeds?

jjface wrote:
Wed May 20, 2020 8:57 pm
Geese
I saw on youtube that bears really like dandelions (because they are sweet)

https://www.youtube.com/watch?v=uWK1osi ... e=youtu.be
by adamthesmythe
Wed May 20, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Teaching and Running a Business
Replies: 11
Views: 778

Re: Teaching and Running a Business

There is a nonzero chance of financial liability, and since this is medical, you could be talking about real $$. Probably the BEST way to do this is to get associated with a university that has professional liability coverage for faculty. That was the plan initially. Tried going that way but gettin...
by adamthesmythe
Wed May 20, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4069

Re: what to do about 1000s of dandelions/weeds?

On a small lawn, I found that dandelions could be kept under control with only occasional dandelion killer. I know you don't want to use it, but it WORKS.

Other than that- I think you need to harvest very often for salads and dandelion wine.
by adamthesmythe
Wed May 20, 2020 7:38 pm
Forum: Personal Consumer Issues
Topic: “Fuzzy” monitor - will moving from VGA to DVI help?
Replies: 12
Views: 575

Re: “Fuzzy” monitor - will moving from VGA to DVI help?

Very high probability is a mismatch between the video output settings and the monitor.

Lower probability: cleartype settings.

Now if it's only some applications- check compatibility settings.
by adamthesmythe
Wed May 20, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Teaching and Running a Business
Replies: 11
Views: 778

Re: Teaching and Running a Business

There is a nonzero chance of financial liability, and since this is medical, you could be talking about real $$.

Probably the BEST way to do this is to get associated with a university that has professional liability coverage for faculty.
by adamthesmythe
Wed May 20, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Brother buy a house from another brother
Replies: 8
Views: 806

Re: Brother buy a house from another brother

1. Find out how things are done in your state.

2. Consider whether you want title insurance.
by adamthesmythe
Tue May 19, 2020 8:29 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2922

Re: Engagement Ring Help

In some traditional societies the bridegroom had to show up with an appropriate number of cows. He needed enough cows to show that he was committed, and that he was a good provider. So OP should start off by determining how many cows are needed in the culture he is marrying into. And also how the co...
by adamthesmythe
Tue May 19, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Potential relocation, how concerned should I be with a 4/10 school?
Replies: 32
Views: 2461

Re: Potential relocation, how concerned should I be with a 4/10 school?

I think it would be a very big leap from a Montressori school to a less well rated school in Texas. Can you say culture shock? Personally- it would take much more than a house in the best part of town to make me live in a small town in Texas. And I don't have kids. Is this a really really good job o...
by adamthesmythe
Mon May 18, 2020 4:53 pm
Forum: Investing - Theory, News & General
Topic: Wall Street says stocks are very overvalued
Replies: 45
Views: 3863

Re: Wall Street says stocks are very overvalued

https://www.bloomberg.com/news/articles/2020-05-13/wall-street-heavyweights-are-sounding-alarm-about-stock-prices article listed some big fund manager names.. is this a case of A: fund managers trying to depress the market for their gains (maybe some are looking to buy in again) or B: fund managers...
by adamthesmythe
Mon May 18, 2020 11:16 am
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2936

Re: Choices of and precautions at hotels in this summer

I have not even decided it is safe to go out...but maybe it will be. And if I decide it is... Definitely I will go with better chains. Certainly not a Motel 9. I may try to set up multiple-night stays. Probably request no room service during the stay. I don't think a late check in will help, you mig...
by adamthesmythe
Mon May 18, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: VW and Audi 0% APR - to buy or not?
Replies: 43
Views: 2377

Re: VW and Audi 0% APR - to buy or not?

Even if warranty takes care of issues, you will likely spend more time in the shop with VW/Audi. By the way, VW owner here. I have enjoyed the car but it has not been cheap to maintain. You seem to be looking for a way to buy upscale vehicles that you can't quite afford. If you want as trouble-free ...
by adamthesmythe
Sun May 17, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Gardening- question about where to mulch, and also about harvesting
Replies: 17
Views: 1039

Re: Gardening- question about where to mulch, and also about harvesting

Wow. I don't think I've ever seen a gardening post on how to encourage mint to grow! Yeah, for sure. I don't think there is anything that will discourage mint. I have noticed that the mint gets less attractive-looking as the season wears on, getting more yellowish with coarse leaves instead of nice...
by adamthesmythe
Sun May 17, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: How to connect washing machine drain hose to narrow standpipe
Replies: 17
Views: 773

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

The photo is not what I expect to see for a washer drain. I expect to see an opening of ~2" diameter into which a smaller drain hose can be inserted.

So like the previous poster I don't know how to properly connect the drain. I would think it's plumber time.
by adamthesmythe
Sun May 17, 2020 7:22 pm
Forum: Investing - Theory, News & General
Topic: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates
Replies: 79
Views: 7694

Re: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates

> How are you handling this situation? Well what I'm NOT gonna do is chase yield. I will soon be withdrawing money (not quite doing it yet) and my guesses about future yields will inform my withdrawal amounts. This is a bad news good news thing. The bad news is that interest rates are low. The good ...
by adamthesmythe
Sun May 17, 2020 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to decide on what type of Housing is most appropriate? DINKS - Late 30s
Replies: 18
Views: 1481

Re: How to decide on what type of Housing is most appropriate? DINKS - Late 30s

The rent vs. buy calculator is a start. Then come questions about how long you expect to stay in the area...what you can afford...what you want ...and how much work you are willing to do to maintain. If you had two bedrooms and then had a kid...it could be 4 years after that when you might want to m...
by adamthesmythe
Sun May 17, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrade of apt bldg during pandemic
Replies: 7
Views: 725

Re: Electrical upgrade of apt bldg during pandemic

It might be a good time to get a loan...but is it a good time to ask 10 different tenants to allow workmen into their units for a few days of work??
by adamthesmythe
Fri May 15, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: Who needs a firewall and who doesn't?
Replies: 18
Views: 1305

Re: Who needs a firewall and who doesn't?

The university IT guys used to offer a free download of Symantec. They now recommend (and require for university network connection) Microsoft Defender and the built-in firewall. I follow their advice. Not only do I HAVE a firewall I think about what should get through it, and turn off most everythi...
by adamthesmythe
Fri May 15, 2020 7:35 pm
Forum: Investing - Theory, News & General
Topic: Federal Reserve Spending
Replies: 6
Views: 901

Re: Federal Reserve Spending

It's Friday. And I remember there used to be the Nightly Business Report on Friday, with Paul Kangas (RIP). I usually watched it while making dinner, usually more relaxed than usual because the end of the work week. And there was always a segment where they would show the DJIA time track, and there ...
by adamthesmythe
Fri May 15, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: Paul Tudor: Compelling case for bitcoin ?
Replies: 213
Views: 10048

Re: Paul Tudor: Compelling case for bitcoin ?

There are also physical bitcoin coins. A digital currency made with gold... “A Physical bitcoins is a bitcoin coin. The coin has the possibility of storing bitcoin on them. The coin has a beautiful design on the front, and on the back, you find a hologram. We make them out of brass, bronze, silver,...
by adamthesmythe
Fri May 15, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: AARP now offering annuities
Replies: 11
Views: 1238

Re: AARP now offering annuities

I was curious about who owns AARP Services which seems to be a highly profitable business. It is a subsidiary of AARP its non-profit parent, but I fail to see how AARP Services is not a huge profit generator as the article says it generated $840M in royalty revenue for AARP in 2015. Doesn't matter ...
by adamthesmythe
Thu May 14, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12053

Re: Selling home - low ball negotiation

Part of what you may want to negotiate/stipulate is the house is being sold as-is. So in exchange for you accepting a lower sale price, it would be a pass/fail inspection with no opportunity to ask for more money off because of what they find. In my opinion, there is never a reason to do this, beca...
by adamthesmythe
Thu May 14, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12053

Re: Selling home - low ball negotiation

What Zillow says doesn't matter. Since circumstances have changed you may not be able to insist on a price based on comparables, because all of the comparables will have sold before the troubles. Your agent should advise you on negotiation, taking into account your circumstances. I think I would adv...
by adamthesmythe
Thu May 14, 2020 6:06 pm
Forum: Investing - Theory, News & General
Topic: If “cost” is the #1 reason Active managers lose, why not use Vanguard’s low-cost active funds?
Replies: 61
Views: 3708

Re: If “cost” is the #1 reason Active managers lose, why not use Vanguard’s low-cost active funds?

When you choose active management you're betting that your manager is better than everybody else's manager. So how do you choose a manager? Two ways - track record. But past performance is no guarantee of future results. - resume and advertising. Who has the glossiest brochure? Or maybe the trendies...
by adamthesmythe
Thu May 14, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Dental estimate for a gold crown
Replies: 28
Views: 1968

Re: Dental estimate for a gold crown

The price sounds typical although that will depend on your location. What I remember is porcelain costing more than gold. And I was offered an upsell of "replacement insurance" on porcelain. I was inclined to go gold anyway because (1) I am no longer in the dating pool and (2) several dentists have ...
by adamthesmythe
Wed May 13, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: Is anyone on the road?
Replies: 35
Views: 4042

Re: Is anyone on the road?

Don't drive a car on a trip. You might get in an accident diverting medical resources overwhelming the healthcare system. Also don't take a walk or you might step on a crack and break your mother's back and overwhelm the healthcare system. I agree that the advice makes little sense. Might as well a...
by adamthesmythe
Tue May 12, 2020 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Not paying auto insurance rather than cancelling
Replies: 32
Views: 2224

Re: Not paying auto insurance rather than cancelling

Write on the bill "I am canceling this policy" and mail it in.
by adamthesmythe
Tue May 12, 2020 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should you include home equity in Net Worth?
Replies: 160
Views: 7602

Re: Should you include home equity in Net Worth?

No point. What you really need to know is how much it costs to operate your house, because that will be an expense in retirement.

Unless, of course, your plan is to realize some of the equity and move to a cheaper area.
by adamthesmythe
Tue May 12, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance - To but or not to buy
Replies: 17
Views: 1036

Re: Dental Insurance - To but or not to buy

There are some employer-supplied dental plans that are actually worthwhile. I actually have one now. But most are not worthwhile, or are marginally worthwhile. Without an employer contribution expect even less.
by adamthesmythe
Tue May 12, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Asking renter to obtain renter's insurance; what benefits to highlight?
Replies: 18
Views: 942

Re: Asking renter to obtain renter's insurance; what benefits to highlight?

It's incredibly cheap. Many landlords require it. Just change the lease the next time it's up for renewal to state that proof of active renters insurance is required. What daheld said. No need to persuade. Say that "I've realized that I am running a risk because you don't have renter's insurance." ...
by adamthesmythe
Mon May 11, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: Need advice on replacing boiler pressure relief valve
Replies: 7
Views: 419

Re: Need advice on replacing boiler pressure relief valve

I could probably figure out this sort of thing myself but instead I would call the guys who maintain my furnace. After all there are some things that you can screw up seriously that involve natural gas. Now probably the worst that could happen is...I don't know...the furnace operates without enough ...