Search found 2263 matches

by adamthesmythe
Thu Nov 15, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Lexus NX vs RX
Replies: 8
Views: 614

Re: Lexus NX vs RX

I lived and drove in the northeast for ages and never lost a tire from potholes. Also managed to get a speeding ticket or two in a 4 cylinder Camry. OP doesn't need a new car, he needs to think (and drive) different. By the way, churning a very new high-depreciation car is a financially losing propo...
by adamthesmythe
Thu Nov 15, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Young Professional...No Safe Investment? Pay off Debts?
Replies: 14
Views: 728

Re: Young Professional...No Safe Investment? Pay off Debts?

> My biggest problem with investing in the market is that it drives me up the wall going up and down. Seeing -10k days makes me depressed and seeing +10k days makes me euphoric...it's not healthy.

You've got a business to run. Concentrate on that and let the market take care of itself.
by adamthesmythe
Wed Nov 14, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: sony TV XBR49X900F $1K vs a cheaper alternative Samsung $330
Replies: 18
Views: 850

Re: sony TV XBR49X900F $1K vs a cheaper alternative Samsung $330

It's hard for me to believe that these are roughly similar models. Most likely the Samsung doesn't have HDR. I'm too lazy to check, but you should. I disagree with an earlier comment. I think HDR will be noticed even if visual acuity is somewhat degraded. I would say that the current TVs (which are ...
by adamthesmythe
Wed Nov 14, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 37
Views: 1581

Re: Understanding the difference in cell phone OS types

iphone- Clean, slick, lots of stuff goes on behind the scenes. Sometimes things change after updates, things may even disappear. Interface is minimal, sometimes to a fault. android- Cheaper. Maybe too many choices. Integration not as good. Inconsistency of interfaces. I suggest you play with an andr...
by adamthesmythe
Tue Nov 13, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: HVAC contractor swapped the furnace
Replies: 7
Views: 1004

Re: HVAC contractor swapped the furnace

(Assuming that the contract has part numbers- and not language like "or equivalent"): Maybe the present unit is sufficient, maybe it's not. In any case they owe you either a replacement or cash compensation acceptable to you.
by adamthesmythe
Tue Nov 13, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Is my Android tablet too old?
Replies: 16
Views: 799

Re: Is my Android tablet too old?

My impression is that there have been some changes to wifi protocols over the years. This could be the cause of the problem.

A tablet this old doesn't have enough value to warrant more than a minimal effort at trouble-shooting. Save it for home use and buy a new one if you need one to travel with.
by adamthesmythe
Tue Nov 13, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Short-Term Medical Plans
Replies: 3
Views: 205

Re: Short-Term Medical Plans

Considering the economic risk of not having good medical insurance, I would put up with the higher cost of a good plan. It is only for 1.5 years for you and 4 years for your spouse. You never know when medical costs may occur, due to accident, illness, or aging. Yes. As a person old enough to retir...
by adamthesmythe
Sat Nov 10, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4010

Re: tipping for grocery delivery

My God, people. They are pulling all the items according to your notes (green bananas for example, driving them to your home and bringing your groceries into your kitchen for you! Give them a couple bucks. If you don’t want to tip someone who is saving you time and effort, just go to the store your...
by adamthesmythe
Fri Nov 09, 2018 6:01 am
Forum: Investing - Help with Personal Investments
Topic: Reverse Mortgage
Replies: 17
Views: 1874

Re: Reverse Mortgage

If they need in-home care, they may not be far from needing to move to a nursing home.

The reverse mortgage will be called if neither one is living in the house.

Sounds risky to me.
by adamthesmythe
Wed Nov 07, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Anyone here retire in two homes
Replies: 24
Views: 3045

Re: Anyone here retire in two homes

The extra costs are the main liabilities. For several years I had a house in the east and a vacation house in the west. The vacation house was in a townhouse community which mitigated the maintenance problems. Insurance is a particular issue. If a house is unoccupied for long periods you will need t...
by adamthesmythe
Wed Nov 07, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11641

Re: If expenses are low, are some of us over saving?

I plan to do more than just exist and pay bills between the time I retire and when my remains are incinerated. For sure. Although- I probably could pay my minimal expenses using social security- and my own, not using my wife's. And I'm not even collecting SS yet. This is the thing about the "retire...
by adamthesmythe
Wed Nov 07, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Where can I go to print a very high-quality book?
Replies: 14
Views: 965

Re: Where can I go to print a very high-quality book?

My friends doctoral thesis for CUNY needed to have three or maybe 4 copies exactly as you describe on archival paper. I think the binding was simpler than you want though. Apparently they save them all and put them on a shelf somewhere. Back in the day I had to have a thesis submitted on 100% rag h...
by adamthesmythe
Wed Nov 07, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 41
Views: 4784

Re: How high can House prices go

The "affordability" measure doesn't tell the whole story. There can be societal changes (multiple generations in a single house); purchases by foreign investors; necessity of a substantial inheritance to buy; maybe even taking in boarders. Having said that- poor affordability tends to be local- over...
by adamthesmythe
Wed Nov 07, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: cost to rebuild hvac return in crawl space
Replies: 8
Views: 755

Re: cost to rebuild hvac return in crawl space

Working in a crawl space sucks bigtime.

Maybe all of the contractors- including the one who gave you the estimate- are telling you they would really rather do other jobs.
by adamthesmythe
Wed Nov 07, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4010

Re: tipping for grocery delivery

It takes enough thinking to decide what to tip taxi drivers and restaurant waiters.

Avoiding the emotional and intellectual effort to decide on tips for in-person deliveries is a good reason for me to not use these services.
by adamthesmythe
Fri Oct 12, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5612

Re: Keep a backup hot water heater?

You could plumb it in next to the old one with cutoff valves. Then the down time in the event of failure could be just a few minutes.
by adamthesmythe
Fri Oct 12, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3198

Re: Home Purchase - Sellers Request Help with Repairs

It really depends on how bad you want the house and if the sellers will be able to close if you don't pay up. Everyone loves to say "walk away" when people post about any problems with a house or say that this is a sure sign the sellers have done zero maintenance and the house is probably held up b...
by adamthesmythe
Thu Oct 11, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2275

Re: Route-66 trip recommendations

22twain - Yes they are looking for a travel-agency of some sort that can organize a trip or even a bus trip. I would really recommend against a bus trip. The whole point of route 66 is to drive it and stop for stuff that interests you. > The Northeast is very pretty. I've lived in the northeast. It...
by adamthesmythe
Thu Oct 11, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Consultant Advice: Commission - What to watch out for
Replies: 11
Views: 955

Re: Consultant Advice: Commission - What to watch out for

Agree you need a lawyer. Your obligations dpened on what the contract said. From the broker's point of view they have already done their part of the deal- bringing you the client.The fact that they will not bring more does not change the service they already provided. But legally? You need a lawyer...
by adamthesmythe
Thu Oct 11, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3245

Re: Budget Coffee

Jazzysoon wrote:
Thu Oct 11, 2018 4:17 pm
Peets Major Dickasons - Target usually has it on sale for 7.99/12 oz. Roasted date printed on front of bag.
Where I live Peets and Starbucks regularly go on sale for 7-8$ (even less sometimes). I find that I can stock up and have enough to use until the next time they go on sale.
by adamthesmythe
Thu Oct 11, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3198

Re: Home Purchase - Sellers Request Help with Repairs

The sellers have already agreed to deliver the house with a repaired septic system at no cost to the buyers. Consider a concession only if you got a really smokin' deal, so good that you couldn't believe you were so lucky, so lucky that you already feel guilty. Otherwise stick with the deal as negot...
by adamthesmythe
Thu Oct 11, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2275

Re: Route-66 trip recommendations

Winslow Arizona, Santa Rosa New Mexico, Tucumcari New Mexico and Elk City Oklahoma have a lot of the old gas stations plus museums. But the old art-deco Conoco station in Shamrock TX might be the best https://roadtrippers.com/stories/u-drop-inn On several occasions I have driven from the northeast ...
by adamthesmythe
Wed Oct 10, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Annuities
Replies: 12
Views: 1056

Re: Annuities

SPIA maybe.

Other annuities no.

Age 62 almost certainly not.

At age 62: target date retirement funds. Or all bonds or CDs if you are really really risk-averse.
by adamthesmythe
Wed Oct 10, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it
Replies: 14
Views: 1378

Re: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it

Depends on what kind of a visitor you are. If you look at the Canyon and go, the sky walk will be OK. If you need a snapshot, I read you can't take cameras on the skywalk. The north rim is open until Oct 31 and it's cheaper. The south rim is always open and there are services there. (I live nearby a...
by adamthesmythe
Wed Oct 10, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7832
Views: 1607309

Re: Stocks tumbling?

Sandtrap wrote:
Wed Oct 10, 2018 9:49 am
Tumbling today.
Falling tomorrow.
Climbing next week.
Flying and soaring next month.
You forgot the "massively" in front of each.

I think it's just a thermodynamic fluctuation.
by adamthesmythe
Tue Oct 09, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2307

Re: Job Opportunity - Via Staffing Agency

The hiring company COULD have a contract with the staffing agency to pay a fee upon hiring an employee through them. (I thought this was how recruiting companies usually worked? Is this non-US?). Seems to me the fact that they DON'T...may mean that they like the additional flexibility. After all if ...
by adamthesmythe
Tue Oct 09, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3057

Re: Dayton, Ohio -- Worth Visiting?

The Air Force museum for sure. I have stayed in Dayton several times and don't know if there is a "downtown" or what it's like. Most of the northeast cities (indeed, cities pretty much anywhere) have good areas and bad areas. There seem to be some Wright Brothers sites in Dayton. Have a look on the ...
by adamthesmythe
Mon Oct 08, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Engineering/chemistry guys need ya for Scientific Notation
Replies: 8
Views: 994

Re: Engineering/chemistry guys need ya for Scientific Notation

livesoft has it right. The unit is written incorrectly. There is, in this case, no need to use the ^ symbol.
by adamthesmythe
Mon Oct 08, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Renovation vs. Move
Replies: 11
Views: 856

Re: Renovation vs. Move

> The estimate will always be lower than the actual cost of the reno. Always.

Re-re-iterating. So if the bids already seem too high then the eventual cost will be even higher. I'm not saying don't do it- but if it looks like it's on the margin already...watch out.
by adamthesmythe
Mon Oct 08, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4375

Re: New Car: No Collision/Comprehensive?

This is one of those cases where the insurance guy's nattering about "peace of mind" kind of makes sense.

Otherwise you start leaving the car in the garage when there is a threat of rain, when it might get dark, etc.
by adamthesmythe
Sun Oct 07, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3462

Re: What are your strategies when shopping for a house?

If your buyer's agent is not responding to your requests, then get another one. There are plenty out there. When I was looking, I downselected first from the MLS, then after a drive-by, and finally went for a look inside. Unless the market is cold where you are looking, you are unlikely to get more ...
by adamthesmythe
Sun Oct 07, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 10
Views: 1272

Re: Radon

> I'm not sure how much credence I give to the "radon causes lung cancer" Let me frame the decision you have to make. It is very well established that radiation causes cancer at high doses. The data is persuasive and the mechanism makes sense. To predict what happens at low doses you either use data...
by adamthesmythe
Sat Oct 06, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 10
Views: 1272

Re: Radon

Your buyers agent (WAS it your agent?) did you a disservice. Had radon been found by inspection, the seller would almost always have to fix it at their expense. In areas of the country where radon is found, almost everyone writes in inspection as a contingency. And very few will buy a house with a k...
by adamthesmythe
Sat Oct 06, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3776

Re: Income (US vs Europe)

- you have to own a car - most families seem to have 2-3 cars. That would not be true everywhere in Finland? Actually, Finland has the most vehicles per person of all countries. Almost 30% more than in USA. And up here cars are significantly more expensive to buy and own. But yes, USA beats nearly ...
by adamthesmythe
Sat Oct 06, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3776

Re: Income (US vs Europe)

A few thoughts Can you try it out for a year or two? Or does it mean abandoning a solid job forever? Job stability in the US is usually not good for all but a very few. How do you feel about looking for a new job every several years? The balance of power between employees and employer is very defini...
by adamthesmythe
Thu Oct 04, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Septic owner protection service contract or NOT?
Replies: 7
Views: 428

Re: Septic owner protection service contract or NOT?

I have been paying $240 for a septic owner protection contract for 10 years. It has now gone up in cost to $300 per year. It is through Singulair. It covers all maintenance except missing parts not covered?! I am wondering if I should not do it this year and simply hope nothing happens. I am never ...
by adamthesmythe
Thu Oct 04, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial land for sale, agent and seller are one
Replies: 6
Views: 401

Re: Commercial land for sale, agent and seller are one

> sends the real estate agent seller an email with what I would understand as an informal offer

I don't know anything about commercial real estate. However for residential- an "informal" offer is not an offer. At best I would expect an email inviting me to submit a real offer.
by adamthesmythe
Wed Oct 03, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: New post - car muffler and auto emissions
Replies: 12
Views: 816

Re: New post - car muffler and auto emissions

Seems to me there's not a lot to lose by taking it in for inspection as is.
by adamthesmythe
Wed Oct 03, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: social considerations with gaming credit cards
Replies: 21
Views: 2565

Re: social considerations with gaming credit cards

Who pays the cash back? Merchants. This “free money” is coming from the merchants by a tacked on percentage fee for rewards credit cards. There are lawsuits in existence currently of merchants demanding the right to refuse rewards credit cards. As far as your specific example, I am unsure. But when...
by adamthesmythe
Tue Oct 02, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 2477

Re: Water Leak During New Home Construction

They owe you a proper repair. And I can see paying for the water bill (although that's probably small change).

They don't owe you compensation for delays unless you have it written into the contract. There are almost always delays in construction.
by adamthesmythe
Tue Oct 02, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Home inspection- helping a friend
Replies: 12
Views: 1150

Re: Home inspection- helping a friend

A seller is not responsible for a hidden defect that he did not know about. I'm not sure why the title is home inspection. WAS there a home inspection? Did it turn up any evidence of a leak? I am not a lawyer either but- he should not discuss this with the buyer beyond stating that he does not have ...
by adamthesmythe
Mon Oct 01, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Asphalt driveway replacement
Replies: 21
Views: 2048

Re: Asphalt driveway replacement

daheld wrote:
Mon Oct 01, 2018 8:13 am
I would strongly consider replacing with concrete. It will be much more durable, if done correctly, than asphalt.
Much more durable and much more expensive. (Been there, done that, have the T shirt).
by adamthesmythe
Sun Sep 30, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Car rebates/incentives
Replies: 21
Views: 1419

Re: Car rebates/incentives

> And as far as rebates go, why would an equinox, that sells for 10k less than a traverse have a 5k rebate, but there is no rebate on a traverse? You might just as well try to make sense out of airline prices. > with the prices so high, and interest rates rising, I just don’t know how long they can ...
by adamthesmythe
Sun Sep 30, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1315

Re: Health insurance in Canada for An American Visitor

OP doesn't seem to on Medicare and we don't know the details of his policy for emergency care. But personally- all of my policies have covered some emergency care- and I would not think twice about going to Canada for several days. Or, to be honest, any western European country or even some Asian co...
by adamthesmythe
Sun Sep 30, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed Minimum Annuity ??
Replies: 7
Views: 709

Re: Guaranteed Minimum Annuity ??

The near-universal recommendation around here is to not buy complicated annuities. And to buy SPIAs after thinking carefully about your financial situation.
by adamthesmythe
Sun Sep 30, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: how to determine the maintenance schedule for newer cars?
Replies: 18
Views: 1296

Re: how to determine the maintenance schedule for newer cars?

The only time I can see this a problem is when you are about to leave on a long (thousand-mile) trip and you are not sure if the car will need maintenance soon. In such a case I might be inclined to do an early oil change. Other than an oil change- I don't think there is anything that can't wait for...
by adamthesmythe
Sat Sep 29, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Car broker
Replies: 27
Views: 2483

Re: Car broker

watchnerd wrote:
Sat Sep 29, 2018 12:26 am
I thought it was against Boglehead rules to buy new cars?
So you can save up to buy gold watches and diamond rings?
by adamthesmythe
Sat Sep 29, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: How to sell a 60-percent ownership share in an inherited 4-plex rental unit
Replies: 9
Views: 1223

Re: How to sell a 60-percent ownership share in an inherited 4-plex rental unit

(Parents, please don't leave your children fractional ownership in your will.) In this case the options are 1. Sell a fractional interest. Unlikely and sale price will be very low. 2. Partition action. Requires lawyers, money for lawyers, and time. 3. Make minority owner an offer she can't refuse. K...