Search found 2099 matches

by adamthesmythe
Mon Aug 13, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in Florida or Alabama?
Replies: 48
Views: 2913

Re: Retire in Florida or Alabama?

Well it only matters what they think...but...

I would pay good money to not live in either Florida or Alabama.

I do consider Florida more civilized.
by adamthesmythe
Mon Aug 13, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 33
Views: 1718

Re: What's the reason you would buy reading glasses at...

You get glasses because you need them. You should be aware that there are vision problems that are NOT correctable with glasses. Your brain does a good job of working around vision defects so you may not be aware of serious vision defects until it is rather late in the game. All of us, especially th...
by adamthesmythe
Mon Aug 13, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: SD Cards for Cameras: How many MB/S?
Replies: 8
Views: 448

Re: SD Cards for Cameras: How many MB/S?

You need a fast card for (1) high-res video (2) burst shooting and (3) faster downloads.

So what's the camera and what do you do with it?
by adamthesmythe
Mon Aug 13, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 20
Views: 1725

Re: Using Uber Without A Cellular Data Connection

If the ONLY reason for getting a SIM card is to use Uber, then I would just use a regular cab.

Or take the extremely efficient train to downtown, and then get a cab.

Cabs in Holland are very different from the US. The cabs are new, clean, drivers are well dressed, and speak excellent English.
by adamthesmythe
Sat Aug 11, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: RDFN and housing market slow down...
Replies: 11
Views: 1307

Re: RDFN and housing market slow down...

Thanks to jminv for a careful analysis. There seem to be two reasons people want to invest in this particular company. One is a belief that the RE market is ripe for disruption. This may be so, but doesn't mean that this particular company is a buy. In common with all internet startups they value ma...
by adamthesmythe
Fri Aug 10, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property with Sibling Questions
Replies: 22
Views: 1491

Re: Rental Property with Sibling Questions

It's unwise to own and jointly manage a property. It's hard to believe that there is much inconvenience associated with selling a property that is not occupied. No, you don't have to do a makeover to get a better price than the low-ball price offered by a flipper. Besides, renting a property will re...
by adamthesmythe
Fri Aug 10, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property as an Investment?
Replies: 20
Views: 990

Re: Rental Property as an Investment?

Even the listing has multiple red flags > earning potential to bring in north of $5,000 a month Is it earning anything now? > Some owner financing may be available Definitely means that this property is hard to sell. > Property recently cleaned out Maybe totally vacant? > a brand new 9 meter electri...
by adamthesmythe
Fri Aug 10, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3228

Re: 1024.99 for a book. Why?

That is certainly a possible price for a first edition.

It is also possible for a rare, out of print but still useful book to be listed for this kind of price.
by adamthesmythe
Thu Aug 09, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Quit Claim on inherited house?
Replies: 16
Views: 1524

Re: Quit Claim on inherited house?

Seems to me it is not necessary to accept a bequest. So if you don't accept it...then you never owned it...and if you never owned it...it cannot be a gift from you to someone else.
by adamthesmythe
Thu Aug 09, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Why are you leaving your current job?"
Replies: 24
Views: 2270

Re: "Why are you leaving your current job?"

I'm not going to the looking for any jobs anymore...but... SOME of the questions you get asked are asked because...the interviewer doesn't really know what to ask...and these are the kinds of generic questions that fill the time. Maybe only a very few questions...from maybe one of the people you see...
by adamthesmythe
Thu Aug 09, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2095

Re: Grind and Brew Coffee Makers - worth it?

I had a Cuisinart, and hated it. The grind was so coarse coffee was weak unless an absurd amount of coffee was used.

I hated it so much I put it in the basement and bought a Mr. Coffee. I gave away the Cuisinart when I moved.
by adamthesmythe
Thu Aug 09, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 1998

Re: Do Airlines measure checked baggages?

This comes down to "do you feel lucky." I would observe that it's a lot easier to make a bag lighter than to make a bag smaller. If I do go to the airport with an outside-regulation bag, I like to have a backup plan. > Any idea if a backpack is OK as a personal item? I think a "personal item" is som...
by adamthesmythe
Thu Aug 09, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Cell phone battery pack, cancer warning?
Replies: 15
Views: 840

Re: Cell phone battery pack, cancer warning?

The California cancer warning rules are exceedingly broad and, in my opinion, do not offer any useful information to the consumer.

Having said that, do not attempt to blend your battery.

(https://www.youtube.com/watch?v=lBUJcD6Ws6s)
by adamthesmythe
Tue Aug 07, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting through Renting?
Replies: 11
Views: 1045

Re: Gifting through Renting?

My eldest brother is planning on paying for his kid's housing by putting himself on the lease (just him, not his kid), and paying the $2600 a month in rent (yeah, that's the San Francisco Bay Area) to avoid having to file a gift tax return, since he doesn't want to lose any of his lifetime exemptio...
by adamthesmythe
Thu Aug 02, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 68
Views: 2662

Re: Car price ratio to NW

Wrong question. First question is what do you need. Then think about affordability. Affordability has a lot more to do with cash flow than net worth.
by adamthesmythe
Thu Aug 02, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]
Replies: 88
Views: 8396

Re: NYU retirement lawsuit

The article does not state what funds were in the plan, but the court docket shows NYU used 25 TIAA-CREF options and 78 Vanguard options. I surmise the main complaint was that NYU because of the size of the 403(b) assets did not negotiate ever lower fees. A secondary complaint was the "dizzying arr...
by adamthesmythe
Thu Aug 02, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 1975

Re: Hiking vacation in November - any recomendations?

Any of the national parks in southern Utah will be good choices. This should be an excellent time to visit because of less crowding and more moderate temperatures. For warmer you have Sedona (generally shorter hikes) and the Tucson area. Most places I have hiked- your own mistakes would be the bigge...
by adamthesmythe
Tue Jul 31, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Am I being ripped off by my dentist and/or insurance company?
Replies: 23
Views: 1872

Re: Am I being ripped off by my dentist and/or insurance company?

Your dentist should probably have discussed the relative cost of gold vs. porcelain crowns. Other than that...you got a premium crown, and you were billed for a premium crown. Insurance paid their contracted share. What's the problem?
by adamthesmythe
Mon Jul 30, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 5742

Re: Financial upside / downside of marriage vs cohabiting

Just because you aren't married doesn't mean it won't cost you if you break up.

Been there, done that, have the T shirt.
by adamthesmythe
Mon Jul 30, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: First-timer shopping for mortgage, compressed timeline w/ odd job situation
Replies: 10
Views: 863

Re: First-timer shopping for mortgage, compressed timeline w/ odd job situation

You can call around all you want, but you had better have at least one completed application done before 7 days are up.

Do you lose the security deposit if you don't complete an application? Or do you just lose the house?

I only ever applied for a mortgage at one bank at a time.
by adamthesmythe
Mon Jul 30, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Inflation indexing of capital gains
Replies: 7
Views: 710

Re: Inflation indexing of capital gains

Welcome! This is a strict "no politics" forum. Discussions of proposed changes to existing legislation are off-topic. Here's why: Political comments and proposed tax plan remain off-topic The main point is that you should invest according to current law. When the law changes, adjust your approach a...
by adamthesmythe
Mon Jul 30, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: To buy a home, or not to buy; the eternal question!
Replies: 12
Views: 967

Re: To buy a home, or not to buy; the eternal question!

If you buy a house in a reasonably desirable location near where you work, it will very likely increase in value. Recently close to or in the city houses have done very well. AND you get to live in it. If you buy land, you want to be sure it is economically buildable- and that it will be so some yea...
by adamthesmythe
Mon Jul 30, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new houses
Replies: 5
Views: 566

Re: Buying new houses

Look at both then make up your mind. Existing houses have elements with wear on them. So replacement can be sooner than for new. Upgrades do not add as much as they cost to the sale price of an existing house. You may get (slightly used) upgrades you want at a bargain price. Unless a spec house, you...
by adamthesmythe
Sun Jul 29, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Buying a senior apartment with lots of unwanted upgrades
Replies: 15
Views: 1665

Re: Buying a senior apartment with lots of unwanted upgrades

If you are going to buy property you can't be afraid to waste time or be insulting. Offer what you are willing to spend or move on to the next option. Agents are obliged to present any offer to their clients unless they have specific directions. Only a written offer is a real offer. Unfamiliar buyer...
by adamthesmythe
Sat Jul 28, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 2934

Re: LTC strategy: make health your hobby

Walk every day. Do more if at all possible.

Hate to say it, but I assume no intelligent person smokes. Other than that, moderation in all things, unless your particular medical conditions require abstinence.
by adamthesmythe
Sat Jul 28, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I retire early?
Replies: 18
Views: 3289

Re: Should I retire early?

Since you are not working now, one of the questions is whether you CAN work (and whether you can find a job).

If I remember right, when on disability you do not have to accept absolutely anything.
by adamthesmythe
Sat Jul 28, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Expenses
Replies: 30
Views: 2037

Re: Assisted Living Expenses

Had a relative in a facility not so long ago. Cost was about half that for a fairly decent facility. Cost depends on where you are. When in a facility many other living expenses go away. And (with some exceptions) often the stay is not very long. Probably many people on this board have enough to cov...
by adamthesmythe
Wed Jul 25, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: How early to get to an airport (JFK specifically) for domestic flight
Replies: 21
Views: 1624

Re: How early to get to an airport (JFK specifically) for domestic flight

Leave home at departure time - 45 min - (avg travel time to airport)+n*(standard deviation) - (avg security wait time)+n*(standard deviation) n > 0 is a number chosen according to your tolerance for drama. If you feel lucky use n < 0. your formula is interesting. mine would be slightly different: d...
by adamthesmythe
Wed Jul 25, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Personal Alarm (130 decibels)
Replies: 8
Views: 733

Re: Personal Alarm (130 decibels)

I would consider bear spray instead.

In cities most people react to loud alarms by closing the window and hoping that it stops soon.
by adamthesmythe
Wed Jul 25, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: your advice on new oven
Replies: 22
Views: 1942

Re: your advice on new oven

The best is an electric convection oven and gas burners, known as a dual-fuel range. Yes, convection is very much worth it. Electric ovens are supposed to have better temperature control. I recently bought one. I found that the choice of dual-fuel ranges was pretty small, to the point where I had on...
by adamthesmythe
Wed Jul 25, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: How early to get to an airport (JFK specifically) for domestic flight
Replies: 21
Views: 1624

Re: How early to get to an airport (JFK specifically) for domestic flight

Leave home at

departure time - 45 min - (avg travel time to airport)+n*(standard deviation) - (avg security wait time)+n*(standard deviation)

n > 0 is a number chosen according to your tolerance for drama. If you feel lucky use n < 0.
by adamthesmythe
Wed Jul 25, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Do you like technical conferences?
Replies: 19
Views: 894

Re: Do you like technical conferences?

I go to international conferences in interesting places, take the expenses off on my taxes or research contracts, stay a week or so extra, and bring the wife.

Works for me.
by adamthesmythe
Wed Jul 25, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Condo or Continue To Rent ?
Replies: 33
Views: 1798

Re: Would You Buy This Condo or Continue To Rent ?

The three things that would most concern me - apartment conversions tend to make less satisfactory condominiums (you are aware of this, people are more accepting of transmitted noise if they don't own the property) - hard to tell whether the initial HOA fees are high enough to sustain - saleability ...
by adamthesmythe
Tue Jul 24, 2018 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance - is it worth it ?
Replies: 8
Views: 1073

Re: long term care insurance - is it worth it ?

Not worth thinking about until you see the numbers.

I seem to remember that some group policies have been quite attractive.
by adamthesmythe
Mon Jul 23, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: House appraisal by township for property tax
Replies: 13
Views: 1073

Re: House appraisal by township for property tax

Allowing an assessor into your home is invasive and the outcome seems to me hard to predict. Usually there is a website listing information about your house, the assessed value, and (most important) the assessed value of your neighbors. If the posted information was correct and my assessment was rea...
by adamthesmythe
Sun Jul 22, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Real salary growth negative?
Replies: 45
Views: 4551

Re: Real salary growth negative?

As noted, inflation has been a good bit less than 3% recently. As to the future all you can do is make a wild guess. About this particular situation- educators in general are not highly valued in this country. Given this, it is not surprising that compensation does not increase much. In the absence ...
by adamthesmythe
Sun Jul 22, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: What have been your experiences in purchasing a plot of land to build a someday home?
Replies: 17
Views: 1880

Re: What have been your experiences in purchasing a plot of land to build a someday home?

At minimum you must be sure the lot is buildable now. (Septic, water, other utilities).

Since regulations change, this is still no guarantee that it will be buildable in 10 years so. Is this an acceptable risk for you?
by adamthesmythe
Sat Jul 21, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Ways to minimize dust when sanding
Replies: 9
Views: 680

Re: Ways to minimize dust when sanding

mouses wrote:
Sat Jul 21, 2018 3:55 pm
Is the sanding necessary? Can't you get a smooth surface with a putty knife?
In my experience, no.

I find that on a wall almost all the dust falls straight down. I just sand gently, brush down the sanded area with a paint brush, and clean up with a vacuum.
by adamthesmythe
Sat Jul 21, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Suggestions About Simulating Homemade Chicken Stock
Replies: 28
Views: 1584

Re: Suggestions About Simulating Homemade Chicken Stock

I think Julia would suggest adding celery and a carrot.

Reducing is what's going to heat up your house, in addition to dumping a considerable amount of water vapor into the air.
by adamthesmythe
Sat Jul 21, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: House foundation repair with Helical Piers - urgent request
Replies: 22
Views: 1511

Re: House foundation repair with Helical Piers - urgent request

RE processes are local. USUALLY an offer includes an inspection contingency. The options available after the inspection depend on the contract and the state. Usually a standard offer includes several contingencies or an inspection period. And almost invariably an offer includes a deposit. In many ca...
by adamthesmythe
Sat Jul 21, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: Housing Starts Drop Sharply -- Barrons.com
Replies: 7
Views: 2141

Re: Housing Starts Drop Sharply -- Barrons.com

the largest monthly percentage drop in a year and a half So this also happened a year and a half ago and probably many more times too. The word "plunge" is a media scare-tactic word used to get clicks ("Dow plunges 500 points" etc). "Plunging markets" get attention, when it's just noise mostly. Now...
by adamthesmythe
Sat Jul 21, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: House foundation repair with Helical Piers - urgent request
Replies: 22
Views: 1511

Re: House foundation repair with Helical Piers - urgent request

It sounds like repairs were done, but why is house up for sale so quickly after they were done? What does your sons attorney say? I cannot fathom why you would ask an attorney about an engineering issue. To OP: The house has had a serious foundation problem that has been repaired and there is a war...
by adamthesmythe
Wed Jul 18, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Computer Clocks
Replies: 17
Views: 1571

Re: Computer Clocks

The computer clock uses the internal crystal that provides the clock for the CPU. It is not all that precise as you have noticed.

I suppose there are utilities that will automatically reset the clock for you. I don't have one.
by adamthesmythe
Wed Jul 18, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas like Alaskan Cruises
Replies: 11
Views: 961

Re: Vacation Ideas like Alaskan Cruises

I have been on the Hurtigruten part of the way. A very good choice if you like scenery and don't need entertainment or nightlife. Other options include: various Baltic cruises, Arctic and Antarctic cruises, north Atlantic cruises (Iceland/ various islands/ Svalbard), Canada and Greenland cruises. Yo...
by adamthesmythe
Wed Jul 18, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 29
Views: 2421

Re: Possible Knob & Tube in an older home.

Their statement is unequivocal. It is more than I would have said for my house, because the only way I could say for sure would be to open up all the walls.
by adamthesmythe
Wed Jul 18, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Selling mom's house
Replies: 50
Views: 4013

Re: Selling mom's house

Jack FFR1846 wrote:
Wed Jul 18, 2018 7:13 am
I'm sure a lawyer can force a sale of the house (I forget the legal term).
It's called a partition action. And the lawyer will cost $ and time.

I don't know OP's financial position...but...signing over his interest starts to sound like a good idea.
by adamthesmythe
Tue Jul 17, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: How do I find information on home security cameras that came with the house?
Replies: 15
Views: 1286

Re: How do I find information on home security cameras that came with the house?

livesoft wrote:
Tue Jul 17, 2018 4:08 pm
They could be fake cameras to ward off folks.
https://www.google.com/search?q=fake+ou ... or+cameras

The builder could be clever to put in fake wires, too.
No reason to bother running fake wires all the way to the basement. So I expect the camera is real.
by adamthesmythe
Tue Jul 17, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Water leaking from skylight window - Roofer cannot find cause!
Replies: 10
Views: 670

Re: Water leaking from skylight window - Roofer cannot find cause!

Technology to the rescue. Might not be good for a roof that is not flat, but if the leak starts above the skylight maybe it would be helpful. https://www.thespruce.com/seeing-the-unseen-2902109 I suppose that it is possible that this might work. However there could be other causes for a temperature...
by adamthesmythe
Tue Jul 17, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: How do I find information on home security cameras that came with the house?
Replies: 15
Views: 1286

Re: How do I find information on home security cameras that came with the house?

If you can't see the model number and mfr on the outside then try disassembling one.

Googling a model number even with no other information often works.

After all, if you don't even know what kind it is it has no value.
by adamthesmythe
Mon Jul 16, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9685

Re: Why own a bed?

I did without when I was in school. When I finished grad school I decided it was time for furniture. I find that furniture makes a room look good. Also can provide a place to put the alarm clock and books. I agree that box springs fall into the "extra seller profit" category. Some bed designs do wit...