Search found 349 matches

by Kennedy
Tue Nov 19, 2019 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Are extra principal payments for commercial mortgage a business expense?
Replies: 4
Views: 415

Are extra principal payments for commercial mortgage a business expense?

This is probably a stupid question, but if I make extra payments to principal for my commercial mortgage note, I'm assuming this is a business expense? I know the interest is an expense, but what about payments made to the principal for a commercial building mortgage?
by Kennedy
Sun Nov 17, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: New Tenant.... possibly
Replies: 28
Views: 1792

Re: New Tenant.... possibly

Yes I do hear some alarms. That's why I posted. I tend to be a little less trusting than many. I hear you. I'm not very trusting either. For me, "no credit history" would be the end of it. I wish you well. I am less trusting than most (in my opinion) as well. I have been a landlord of multiple prop...
by Kennedy
Sat Nov 16, 2019 1:27 am
Forum: Investing - Theory, News & General
Topic: How to hold title to rental properties
Replies: 15
Views: 1263

Re: How to hold title to rental properties

* If you purchase the property initially in your own name and then later deed it to your LLC, two things will happen: The title insurance policy will be void. The transfer of title will trigger the due on sale clause if you have a mortgage * If title is in the name of your LLC and you are personally...
by Kennedy
Sat Nov 16, 2019 1:11 am
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 145
Views: 10944

Re: Best thing you have ever bought?

Robotic floor mop with washable pads (purchased separately). Love it. Keeps my hardwood and tile floors clean with little effort. Highly recommend! https://www.target.com/p/irobot-braava-jet-240-robot-mop/-/A-50760950?ref=tgt_adv_XS000000&AFID=google&fndsrc=tmnv&DFA=71700000059248267&CPNG=PLA_DVM%2B...
by Kennedy
Thu Nov 07, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4126

Re: Your Fantasy Kitchen (Cookware-wise)

I use my All Clad 13 inch french skillet with lid almost every night. I love it. I have other assorted pieces of All Clad, but I'm just as happy with my pieces from the Kirkland (Costco) collection as well.

https://www.all-clad.com/Cookware/Skill ... 8701004403
by Kennedy
Wed Nov 06, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: How common is ACH fraud on checking accounts?
Replies: 55
Views: 10294

Re: How common is ACH fraud on checking accounts?

I once had several hundred dollars taken out of my checking account to pay a cable bill to a company with which I had never done business. The bank promptly credited my account for the money and told me it was probably the result of someone giving an incorrect account number (mine) to the cable comp...
by Kennedy
Wed Nov 06, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3848

Re: Wedding gift from brother

...After my sister in law got blacklisted for returns because of shower/wedding gifts, I learned my lesson about picking a gift that is not on the registry. This sounds interesting - who blacklisted her, the store or the relatives? A couple of stores including Walmart. By blacklisted, I mean that s...
by Kennedy
Wed Nov 06, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Fees Waived?
Replies: 54
Views: 4951

Re: Chase Sapphire Reserve - Fees Waived?

I will be attempting to get the $75 fee waived on the 2nd card, saying we don't need the 2nd priority pass. I want the 4.25% equivalent value on dining/travel points redeemed for travel. My Uber card is going bye bye. My wife has the CSR and we decided to simply forego having a second card. I can s...
by Kennedy
Mon Nov 04, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3848

Re: Wedding gift from brother

OP here. Perhaps I should clarify: My son is college age and his older brother is the one getting married. Obviously, the college age boy doesn't have much money, so his older brother would most likely feel weird with accepting cash from his younger brother. So, I was thinking more about ideas for s...
by Kennedy
Sun Nov 03, 2019 11:38 pm
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3848

Wedding gift from brother

Looking for ideas for a wedding gift for the couple from the groom's brother. Have you seen any interesting/different ideas? The couple doesn't have any particular hobbies or interests that the two share. Edited to add: My son is college age and his older brother is the one getting married. Obviousl...
by Kennedy
Wed Oct 30, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3032

Re: Unnecessary blood tests

I had a problem where i had to go to a urology center several times and every time I went they wanted a urine sample. Seemed a bit strange to me, especially since my issue could only be tracked via a blood sample which they didn't do at that facility. One time I was there (it was one of those large...
by Kennedy
Tue Oct 29, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Mattress Run: Was it stupid?
Replies: 90
Views: 15002

Re: Mattress Run: Was it stupid?

Four years later, I have a similar question. I noticed that I need only 1 more night to move from the Marriott Silver status to Gold. I could not fit a night into my planned travel and found a local hotel where I can stay for $67/night, or $75 including tax. This was the lowest rate for the remaind...
by Kennedy
Tue Oct 29, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4386

Re: Women wearing black to a wedding?

RudyS wrote:
Tue Oct 29, 2019 9:32 pm
KlangFool wrote:
Tue Oct 29, 2019 3:45 pm
OP,

Don't assume. Ask the host.

KlangFool
I''ve been reading this thread to DW. She says yours is the best answer she heard.
I'm paying for the wedding, so I guess I'm the host. I say my little black dress is fine. So I guess I'm good. :D
by Kennedy
Tue Oct 29, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4131

Re: California Fires: Landlord/Tenant Question

What if it is an AirBNB short term rental where the owner has a contract with PG&E and offers the place for rent with electricity? The renters have no lights or heat or maybe even water (if on a pump) and elect to shorten their stay. Could they request relief regarding the days they booked which di...
by Kennedy
Tue Oct 29, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4131

Re: California Fires: Landlord/Tenant Question

The tenant should have purchased renters insurance, which would have paid for a hotel room in this case.
by Kennedy
Tue Oct 29, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4131

Re: California Fires: Landlord/Tenant Question

The reasonableness standard, to me here, is, what control does the landlord have over any natural disaster, wildfire, or any decision a power company make due to a wildfire?.... If the answer is none, they have no responsibility to financially compensate the renter. If the landlord screwed up, cut ...
by Kennedy
Tue Oct 29, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4386

Re: Women wearing black to a wedding?

Why do you want to wear black to this wedding? Is the problem that you already have the black evening dress and want to use it (or want to avoid the cost of buying a dress of a different color)? If so, time to go shopping for a new dress that isn't black. Yes, I already have a black cocktail dress ...
by Kennedy
Tue Oct 29, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4386

Women wearing black to a wedding?

I have a close family member getting married. I know traditionally, women didn't wear black to a wedding. I also know people here are going to say, "If you want to wear black, wear black." However, what I want to know is if in fact it isn't uncommon for women to wear black to a wedding. I don't want...
by Kennedy
Mon Oct 28, 2019 12:35 am
Forum: Personal Consumer Issues
Topic: Favorite brand of tofu?
Replies: 7
Views: 628

Favorite brand of tofu?

On a trip to Okinawa, Japan, a restaurant served the most amazing tofu. It was creamy, salty and wasn't like any tofu I'd eaten before. It reminded me of ricotta cheese, but not really. Upon returning to the United States, I visited an Asian grocery store and purchased a few different brands of tofu...
by Kennedy
Sun Oct 27, 2019 11:38 pm
Forum: Personal Consumer Issues
Topic: Roadtrip & Space Camp Huntsville
Replies: 10
Views: 885

Re: Roadtrip & Space Camp Huntsville

You can save some money if purchased during their Black Friday sale. I think the discount was much larger several years ago, but it still will provide a nice discount. I purchased Space Camp sessions for my kids when they were early teenagers. I surprised them with it. They weren't happy, and I requ...
by Kennedy
Sun Oct 27, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: Using a windmill to power a water well pump
Replies: 7
Views: 749

Using a windmill to power a water well pump

Has anyone here used a windmill/wind turbine to power a water well pump? Wondering about the pros and cons as well as general questions. Specifically, I'm wondering how close the windmill needs to be to the well and to the house. Also, is this a practical solution to irrigate crops that are perhaps ...
by Kennedy
Fri Oct 25, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: Directv Keeps Adding Protection Plan without My Consent
Replies: 7
Views: 664

Directv Keeps Adding Protection Plan without My Consent

There have been four times in the last several years where Directv added on the $8.99 per month protection plan (insurance) without my consent. Each time it was after a technician had come out for either a free service or one that I had paid for. I was never informed I was being enrolled in this and...
by Kennedy
Thu Oct 24, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking a 30 Year Fixed Rate Mortgage
Replies: 4
Views: 855

Re: Seeking a 30 Year Fixed Rate Mortgage

Check Costco's affiliated lenders. If an executive member (think it's $120/year), the lender's fees are capped at $275. They always have great rates. I've used them several times. Right now, with 25% down on a home valued at $400,000, one their lenders is quoting a 3.6% 30 year loan with lender's fe...
by Kennedy
Thu Oct 24, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: How to Know if an Old House is Reasonably Beyond Repair
Replies: 30
Views: 2417

Re: How to Know if an Old House is Reasonably Beyond Repair

OP: some responses to the responses would be helpful. Also, more information as requested by some. j :happy Sorry about the delay. I very much appreciate everyone's insight. Just to answer some questions... We are essentially interested in the property for the land that has appropriate zoning or is...
by Kennedy
Wed Oct 23, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: How to Know if an Old House is Reasonably Beyond Repair
Replies: 30
Views: 2417

How to Know if an Old House is Reasonably Beyond Repair

A large lot I'm considering buying has an old, two story 1400 sq feet farm house that is around 60 years old. It does not have a cement foundation. Instead, it was built on a piling foundation. The house appears, to a non-expert like me, to need a total overhaul, but I can't say whether I would be b...
by Kennedy
Thu Oct 17, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: SodaStream: a good replacement for Costco Kirkland sparkling water?
Replies: 25
Views: 2761

Re: SodaStream: a good replacement for Costco Kirkland sparkling water?

I noticed there are at least 3 different types of Sodastreams that are sold. Two are manual, but one of these has a CO2 gauge (I think), and the third is electric with just one button to push for consistent carbonation. Which do you recommend?
by Kennedy
Thu Oct 17, 2019 12:40 am
Forum: Personal Consumer Issues
Topic: SodaStream: a good replacement for Costco Kirkland sparkling water?
Replies: 25
Views: 2761

SodaStream: a good replacement for Costco Kirkland sparkling water?

Our family goes through 3 or 4 Costco Kirkland brand sparkling waters a day. That stuff is awesome!

My spouse suggested we look into a SodaStream. Any input as to if the taste is comparable to the Kirkland version? How long does the fizz last once it's made? Worth it?
by Kennedy
Wed Oct 16, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6354

Re: car battery change or not? 2 year old battery

I suppose if it would be easier to prove intent, more people would sue mechanics for fraud. A couple years ago, I noticed a large puddle of fluid on my garage floor underneath the engine area of my car. Took it in to the local mechanic who called me later and said I needed a new water pump. In the m...
by Kennedy
Mon Oct 14, 2019 12:04 am
Forum: Personal Consumer Issues
Topic: Business deduction: How to deduct mortgage interest for business when loan is in personal name?
Replies: 3
Views: 396

Business deduction: How to deduct mortgage interest for business when loan is in personal name?

I'm thinking about buying some acreage upon which to build a business to use as a commercial project. This does not in any way involve marijuana, in case this question is raised. (This isn't a "home-based business" as customers will come to a commercial building on the property to conduct the busine...
by Kennedy
Mon Sep 30, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: "Different" things to do in Tokyo
Replies: 20
Views: 1946

Re: "Different" things to do in Tokyo

I have a four day trip to Tokyo planned for this fall. I've been there before and done all the usual touristy things. I'm looking for suggestions for off-the-beaten-path kind of things to do and see in Tokyo. You know- the things that are not in top 20 lists. Perhaps a day trip from Tokyo? (I've al...
by Kennedy
Mon Sep 30, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Florida black ants on lanai
Replies: 6
Views: 558

Re: Florida black ants on lanai

I'd try Terro liquid as always for any ants. Amdro is likely to work as well for all ants. I keep Terro in the fridge so that it doesn't spoil (oxidize) and use it as needed with great success. Good idea regarding keeping Terro in the fridge. I'm going to do that. I've noticed that the clear liquid...
by Kennedy
Sat Sep 28, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3405

Re: What is protocol for cleaning house when moving?

I'd leave it clean more out of a courtesy than because it is required. I'd leave it broom clean. I wouldn't scrub everything. Nail holes and things like that are expected if there were things hanging on the wall. A cleaning clause is pretty common in rental contracts and it probably wouldn't be a b...
by Kennedy
Sat Sep 28, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: "Different" things to do in Tokyo
Replies: 20
Views: 1946

"Different" things to do in Tokyo

I have a four day trip to Tokyo planned for this fall. I've been there before and done all the usual touristy things. I'm looking for suggestions for off-the-beaten-path kind of things to do and see in Tokyo. You know- the things that are not in top 20 lists. Perhaps a day trip from Tokyo? (I've alr...
by Kennedy
Sat Sep 28, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3405

Re: What is protocol for cleaning house when moving?

I'd leave it clean more out of a courtesy than because it is required. I'd leave it broom clean. I wouldn't scrub everything. Nail holes and things like that are expected if there were things hanging on the wall. A cleaning clause is pretty common in rental contracts and it probably wouldn't be a b...
by Kennedy
Sat Sep 28, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Lend my car or pay for rental?
Replies: 16
Views: 1780

Re: Lend my car or pay for rental?

I would lend her your car. Don't go back on your word even though your situation has changed. There's no way I would pay for a rental for her.
by Kennedy
Sat Sep 21, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: HELP! From In-Patient to Permanent Nursing Home Care
Replies: 19
Views: 1457

Re: Medicare: HELP! From In-Patient to Permanent Nursing Home Care

I'm very sorry about all the stress you're under right now. Dealing with both young children and sick parents is very challenging. Be aware that Medicare will only pay for rehab (first 20 days at 100 percent and then days 21-100 with a copay of around $170/day) if your father is making steady progre...
by Kennedy
Sat Sep 21, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: Is it out-of-style for business women to wear pantyhose?
Replies: 19
Views: 4484

Is it out-of-style for business women to wear pantyhose?

I have an upcoming business meeting and will be wearing either a professional looking dress or a skirt/suit jacket. Do women generally go with bare legs or pantyhose when they wear skirts/dresses in a business setting? Does it matter if it's summer versus winter? What is the current style/rules of f...
by Kennedy
Thu Sep 19, 2019 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 34
Views: 11431

Re: Capital One 360 shaking up savings accounts

azianbob wrote:
Thu Sep 19, 2019 6:47 pm
I feel banks sometimes create new account types in hopes the people are lazy and keep their money in the old account that earns less. While they can advertise the higher rates of the new account. CIT bank does this a lot …
Yes. Totally agree.
by Kennedy
Thu Sep 19, 2019 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 34
Views: 11431

Re: Capital One 360 shaking up savings accounts

Thanks for mentioning this. Do you know how many performance savings account one can have? I have multiple accounts of their other (older) savings account so I can segregate my money into categories.
by Kennedy
Thu Sep 19, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8296

Re: How to handle "split-the-bill" group lunches?

Just brown bag next time and refuse to pay for anything I can’t imagine this ever being an issue for a Kennedy. Actually, I generally pick up the entire tab whenever I dine near my Kennedy compound in Nantucket, of course. The rest of the time, I just try to blend in with the common man and do what...
by Kennedy
Thu Sep 19, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8296

Re: How to handle "split-the-bill" group lunches?

I usually handle this by asking to bow out of the tip. I'll say something like "Do you guys mind getting the tip since I didn't have anything to drink today?". Then I'll tip 0 and tell people how much to add to their tips to cover me. For example, if I would have otherwise tipped $12 in this situat...
by Kennedy
Thu Sep 19, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8296

How to handle "split-the-bill" group lunches?

I recently met a group of five women for lunch to celebrate a birthday for one of the ladies. Only the birthday girl is a good friend of mine. The others are more casual friends. When it was time to pay, one lady told the server to split the bill evenly between four of us, so we could treat the one ...
by Kennedy
Thu Sep 19, 2019 12:24 am
Forum: Personal Consumer Issues
Topic: Long Distance Mover from Rockville MD to Bellevue WA
Replies: 16
Views: 1189

Re: Long Distance Mover from Rockville MD to Bellevue WA

I just finished moving a relative's belongings across country. We are selling all of the furniture. As far as the other items, we found UPS was by far the cheapest way to go. I had around 15 boxes totaling around 700 pounds or so. The total UPS charge was around $650, if I'm remembering correctly. ...
by Kennedy
Wed Sep 18, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Long Distance Mover from Rockville MD to Bellevue WA
Replies: 16
Views: 1189

Re: Long Distance Mover from Rockville MD to Bellevue WA

I just finished moving a relative's belongings across country. We are selling all of the furniture. As far as the other items, we found UPS was by far the cheapest way to go. I had around 15 boxes totaling around 700 pounds or so. The total UPS charge was around $650, if I'm remembering correctly. T...
by Kennedy
Wed Sep 18, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Can an 18 x 18 tile be cut to a smaller size?
Replies: 11
Views: 978

Re: Can an 18 x 18 tile be cut to a smaller size?

RickBoglehead wrote:
Wed Sep 18, 2019 11:58 am
Tile is cut all the time. Of course, there is a big difference between a beveled edge and a non-beveled edge.

https://www.google.com/search?q=cutting+porcelain+tile
Yes, I suppose the better question is will the non-beveled, newly cut edge stand out once it's installed.
by Kennedy
Wed Sep 18, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Can an 18 x 18 tile be cut to a smaller size?
Replies: 11
Views: 978

Can an 18 x 18 tile be cut to a smaller size?

I have been unsuccessful in my search for a particular glazed porcelain 13 x 13 tile to install in my shower wall after a pipe repair. I need a handful of tiles to replace the ones that were removed, but the product has been discontinued. I found a store that has a couple boxes left of this particul...
by Kennedy
Mon Sep 16, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 9404

Re: Do You Tip At Counter Service Restaurants?

My neighbor's child made a ton of money when he was the designated "to-go" person at a restaurant, routinely $20-25/hour with tips. With regard to tipping in general, my son routinely made $25-$30/hour as a server (MCOL city) in a "family" establishment that served alcohol. According to him, he coul...
by Kennedy
Mon Sep 16, 2019 10:06 am
Forum: Personal Investments
Topic: Selling Rental Properties. What to do with proceeds? 3 different scenarios
Replies: 17
Views: 1693

Re: Selling Rental Properties. What to do with proceeds? 3 different scenarios

Archer4995 wrote:
Mon Sep 16, 2019 8:55 am
Thank you for the replies so far.

Anyone have any experience with the DST route?
Never heard of a DST. Tell us more, please.
by Kennedy
Fri Sep 13, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: 2019 Costco HVAC services: Good deal/issues?
Replies: 20
Views: 2437

Re: 2019 Costco HVAC services: Good deal/issues?

I have never tried them for HVAC, but I have looked at their offers for rental cars, travel, and new cars. I was able to do better by not using Costco. Costco has their fingers in a lot of things, but I do not find them to be competitive in many areas. I would ask friends, family, co-workers, and n...
by Kennedy
Fri Sep 13, 2019 10:20 pm
Forum: Personal Consumer Issues
Topic: What to expect at a Jewish funeral?
Replies: 7
Views: 2198

What to expect at a Jewish funeral?

A Jewish person I am acquainted with is expected to live only a few more days. I would like to attend the funeral, but I do not know what to expect. As a non-Jewish woman, am I expected to cover my head with a scarf or hat? What about men attendees to the funeral, a head covering? Is a modest black ...