Search found 900 matches

by snackdog
Wed Sep 16, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: Building a house and builder screwed up exterior paint horribly
Replies: 102
Views: 5891

Re: Building a house and builder screwed up exterior paint horribly

I think you have made a happy mistake. I quite like the house color and would not change it. At least keep it six months and see if it grows on you. I love dark brown color for a house.
by snackdog
Wed Sep 16, 2020 2:14 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 50
Views: 2407

Re: HVAC Service Contracts & Annual Service

Annual maintenance can extend the life of your units and also detect small problems before they turn into big problems. I had a guy in earlier this year who detected one coil was a bit low on refrigerant in a 2-year old unit. He refilled it and said we'll keep an eye on it and if it has a slow leak ...
by snackdog
Tue Sep 15, 2020 1:52 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 104
Views: 5948

Re: Coping with Wildfire smoke

Run your fan if not otherwise using HVAC. Check filters frequently.
by snackdog
Thu Sep 03, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of a recently purchased condo
Replies: 32
Views: 4992

Re: Getting out of a recently purchased condo

List with Redfin to save on commissions and get state of the art listing. Look at the best nearby comps which have sold in the last 90 days. Then look at what is for sale now. Then subtract a bit for the foundatiOn and get it listed quick as the window is short before the holiday slowdown. You are y...
by snackdog
Wed Aug 19, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 73
Views: 11303

Re: Home backup generator experiences

Our place came with a large legacy system which frankly seems overbuilt for the property, but what do I know? We do want to run the well pump and have a few lights on but I think the previous owners had some larger machinery. We are semi-rural but get winter storms which make it tricky to get around...
by snackdog
Tue Jul 21, 2020 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Govt Retirees Considering Relocating Permanently from IL to FL - Input and Thoughts Pls
Replies: 40
Views: 2860

Re: Govt Retirees Considering Relocating Permanently from IL to FL - Input and Thoughts Pls

How about renting our your Chicago house now and renting a condo in FL? At your age I don’t recommend another house. If you like it after a full year including hurricane season, sell in IL. I don’t recommend buying, as you nearly did, over the internet while owning a house in IL. STOP looking at rea...
by snackdog
Sat Jul 18, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: sweet spot for used cars: Price and mileage?
Replies: 52
Views: 4300

Re: sweet spot for used cars: Price and mileage?

I find sweet spot these days is just over 100k miles. A psychological cliff. A decent Toyota or Lexus IS easily good for another 100k and the depreciation is gone.
by snackdog
Sun Jul 12, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: What are the large uninsured expenses in retirement?
Replies: 69
Views: 4129

Re: What are the large uninsured expenses in retirement?

My parents have insurance, including LTCI, and were looking at $14,000/month for care for my mom in a 170-bed state run retirement and care facility. They moved her to a private place with only a nurse for around $6K/mo.
by snackdog
Sat Jul 11, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 188
Views: 12773

Re: Neighborhood Noise

Your brain quickly adjusts to common noises and will tune them out automatically. Your spouse entering through the squeaky garage door at 11pm for the fifthieth time will not disturb you. Nor while the metro train howling past a block away every 15 minutes. But a snap of a twig outside at 3am might.
by snackdog
Wed Jul 08, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Brooks Brothers Bankruptcy - Quality Issues
Replies: 83
Views: 7564

Re: Brooks Brothers Bankruptcy - Quality Issues

We switched to Suit Supply years ago. Better service, modern suits and great prices.
by snackdog
Wed Jul 01, 2020 6:22 am
Forum: Personal Consumer Issues
Topic: Thinking of buying a Mercedes SUV
Replies: 42
Views: 2279

Re: Thinking of buying a Mercedes SUV

If you can handle crushing depreciation, many expensive trips to the mechanic and aggravation dealing with issues, go for it. Otherwise, I would get a Lexus. Scotty Kilmer on YouTube rants about them all the time.
by snackdog
Mon Jun 29, 2020 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 16762

Re: What is the best financial decision you ever made?

There is generally no single easy answer or decision; it is lifelong education, decision making, learning and improving. It helps to make mistakes early and learn from them. The most important financial decisions can be those that avoid disaster. High interest debt, spendypants ways and families, le...
by snackdog
Sat Jun 27, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 62
Views: 7388

Re: Adding a trust to your homeowner's policy

This is a very useful thread. I think a lot of people forget or overlook this issue.
by snackdog
Sat Jun 27, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Motor home rental?
Replies: 21
Views: 1567

Re: Motor home rental?

LOL. Flying private is probably less expensive. Aircraft: Falcon 2000DX (10 seats) Estimate Price: $32,480 (one way) https://www.privatefly.com/us/inspirational-jet-flights/coast-to-coast-by-private-jet#cost [ quote fixed by admin LadyGeek] My brother and his wife were relocating. That included 1 d...
by snackdog
Sat Jun 27, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Motor home rental?
Replies: 21
Views: 1567

Re: Motor home rental?

Better, easier and cheaper to drive in a car and stay in pet friendly hotels along the way. I think in some cases you will need separate rooms, 1 per pet. But still cheaper and easier. Bringfido.com can help you find the best hotels and avoid extra charges. I prefer Hilton hotels - some of which al...
by snackdog
Fri Jun 26, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Buying a house - survey necessary?
Replies: 32
Views: 2498

Re: Buying a house - survey necessary?

If you are confident the result would not change any aspect of the sale, then skip it.
by snackdog
Fri Jun 26, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: Motor home rental?
Replies: 21
Views: 1567

Re: Motor home rental?

Better, easier and cheaper to drive in a car and stay in pet friendly hotels along the way.
by snackdog
Thu Jun 25, 2020 2:35 am
Forum: Personal Finance (Not Investing)
Topic: California probate attorney fees
Replies: 11
Views: 704

Re: California probate attorney fees

It can vary a lot depending on the work involved. Low side is $10k. High side is 100% of estate if a Will is contested for years.
by snackdog
Tue Jun 23, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: AWD van or no AWD but with winter tires?
Replies: 89
Views: 4374

Re: AWD van or no AWD but with winter tires?

BH advice is clear - you need AWD and snow tires at a minimum. Studs and chains would be even safer. Or, if you can swing it, one of these minivans might be best for your icecapades -

Image
by snackdog
Tue Jun 23, 2020 6:15 am
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 64
Views: 5977

Re: Pilot, Highlander or CX-9

I just rented a 2020 CX9 ($24/day from Enterorise) and drove it cross country for two weeks. I was very impressed (my daily is an Xdrive50i). Extremely comfortable for all day highway cruising. Also practical for hauling filthy dogs around town and Home Depot trips. It was trashed when I returned it...
by snackdog
Mon Jun 22, 2020 5:13 am
Forum: Investing - Theory, News & General
Topic: Amount needed to retire - inflation adjusted
Replies: 50
Views: 5945

Re: Amount needed to retire - inflation adjusted

3-5% of whatever I have when I retire...
by snackdog
Mon Jun 22, 2020 4:49 am
Forum: Personal Finance (Not Investing)
Topic: Letting my company know I'm looking?
Replies: 43
Views: 4794

Re: Letting my company know I'm looking?

If it is a small industry he may be able to help you find a job.
by snackdog
Fri Jun 19, 2020 6:51 am
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10547

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

Not the case here, but in higher end markets it can be pretty difficult to get a viewing. Owners value their privacy and can be quite tough about viewings. There were a couple houses we liked a lot in Santa Fe a couple years ago but could never get a viewing. Both eventually sold so someone, presuma...
by snackdog
Thu Jun 18, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10547

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

Tell them you have cash and will close in 10 days if you can view the home and like it.
by snackdog
Tue Jun 16, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8109

Re: Would you rent your house to a famous athlete?

Athletes can make fabulous tenants. They can also be horrible tenants. Or somewhere in between,
by snackdog
Thu Jun 04, 2020 4:33 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating lump sum pension offer
Replies: 67
Views: 3611

Re: Evaluating lump sum pension offer

Most lump sums follow the IRS interest rates which are currently insanely low in historic terms. This means the lump sum will be high and your ability to exceed the returns assumed in the lump sum calculation is very high, especially over longer terms. If your pension is not COLAd, I would not consi...
by snackdog
Wed May 27, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Put checking accounts in living revocable trusts?
Replies: 48
Views: 8739

Re: Put checking accounts in living revocable trusts?

I guess depending on the state in which you reside, if your non-trust assets (such as your checking/savings account) exceed a threshold it will trigger probate.
by snackdog
Mon May 18, 2020 8:14 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 3130

Re: Choices of and precautions at hotels in this summer

I think you will be fine just distancing from other people. As long as you aren’t breathing the droplets from their lungs the risk is low. Bring some Lysol if you are paranoid.
by snackdog
Mon May 18, 2020 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Oregon income tax on severance from Texas?
Replies: 6
Views: 578

Oregon income tax on severance from Texas?

We are considering relocating from Texas (no income tax) to Oregon (9.9% income tax). I am currently employed and soon to retire (or be fired). Let's assume I am not employed on the first day I begin Oregon residence. I have two questions - 1) Severance. If I am involuntarily "retired" I will be off...
by snackdog
Fri May 15, 2020 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12602

Re: Selling home - low ball negotiation

I would consider just accepting in this market.
by snackdog
Thu May 14, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Should you include home equity in Net Worth?
Replies: 160
Views: 8124

Re: Should you include home equity in Net Worth?

Net worth should be all the cash you could muster in, say, six months to pay off a kidnapper. House counts.
by snackdog
Sun May 03, 2020 12:20 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16987

Re: Neighbor’s contractor wants to access our property

Where we live contractors routinely build and repair three and four story homes with less than three feet clearance to neighbors. There is special scaffolding for this called a pump jack pole. I can’t imagine offering them access.
by snackdog
Mon Apr 27, 2020 6:15 am
Forum: Personal Consumer Issues
Topic: Renewal by Anderson window prices
Replies: 39
Views: 3778

Re: Renewal by Anderson window prices

Even the worst and cheapest new windows are pretty amazing. Our house was contractor spec built in 2018. The windows look cheap as hell. Double hung aluminum crap. But they perform exceptionally well. No noise from outside. House faces west and with full sun on a Texas afternoon in July there is min...
by snackdog
Sun Apr 26, 2020 6:54 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Kia Quality & Longevity
Replies: 82
Views: 5834

Re: Toyota vs. Kia Quality & Longevity

At this stage reliability is the same. The Korean cars cost less and have more features. Not sure why you would buy a Toyota.
by snackdog
Wed Apr 22, 2020 9:28 pm
Forum: Personal Consumer Issues
Topic: BMW X5 - advice on purchase
Replies: 49
Views: 3129

Re: BMW X5 - advice on purchase

X5 is a great vehicle and one the early great SUVs which has gotten better over time. I don't think you can go wrong with one. BMWs can have some maintenance issues, as some have noted anecdotally (people with problems tend to speak up a lot more), but it comes with the territory. If you want a spor...
by snackdog
Wed Apr 22, 2020 2:20 pm
Forum: Investing - Theory, News & General
Topic: Norwegian Cruise Lines up 42% today
Replies: 22
Views: 3294

Re: Norwegian Cruise Lines up 42% today

Those class action lawsuits can be great. I bought Petrobras after it crashed in the corruption scandal, knowing it would recover, which it did and tripled from what I paid. Then, I got two different checks for a couple thousand dollars from class action suits. Made no sense to me because I didn't o...
by snackdog
Sat Apr 04, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Anyone used ultrasound whistle to mitigate dog barking?
Replies: 34
Views: 2998

Re: Anyone used ultrasound whistle to mitigate dog barking?

If it is just temporary during the crisis due to more trail hikers, I would just get used to it.
by snackdog
Wed Apr 01, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Cruise Cancellation
Replies: 62
Views: 6254

Re: Cruise Cancellation

I wouldn't go on this or any other cruise until the cruise lines figure out how to make cruising safe from all viruses. Norovirus. Covid. You name it. The ships seem to be floating petri dishes of infection and once the terror starts, you can't get off. Not my idea of relaxation.
by snackdog
Wed Mar 18, 2020 7:35 pm
Forum: Personal Consumer Issues
Topic: Coronavirus - Plausible Scenarios
Replies: 3
Views: 752

Coronavirus - Plausible Scenarios

It was hard a couple weeks ago to imagine where we are today with people working from home (until August?), markets crashing and businesses/industries set to fail if customers can't be served. What are some of the best and worst case scenarios from here, what are the milestones and how can we prepar...
by snackdog
Sat Mar 07, 2020 7:15 am
Forum: Investing - Theory, News & General
Topic: your thoughts on buying XOM,BP,RDS,XLE as income play
Replies: 37
Views: 3561

Re: your thoughts on buying XOM,BP,RDS,XLE as income play

The way that I look at it, oil/gas is a commodity business, so when I am trying to value the company, the first thing that comes to mind are the reserves they have, and then the cost at which they are able to extract those reserves. XOM has 17 years of reserves. What that means is that it could, th...
by snackdog
Wed Feb 19, 2020 4:29 am
Forum: Personal Consumer Issues
Topic: Good Vacuum for Car
Replies: 30
Views: 2070

Re: Good Vacuum for Car

Check your local car washes. Ours is $7 for a basic wash. The vacuums are all free all the time. In addition, they have a free machine you can feed the floor mats through which vibrates out all the dirt. It is much easier and faster to clean the car there than at home.
by snackdog
Tue Feb 18, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Set my heart on a Navy Federal Credit Union mortgage...anyway I could join?
Replies: 23
Views: 3463

Re: Set my heart on a Navy Federal Credit Union mortgage...anyway I could join?

The Navy quote is for an APR of 3.3% for an ARM.

Redfin offers 3.375% for a 30 year fixed with $1000 bonus at closing. No fees. So the effective APR is less than 3.375%.
by snackdog
Mon Feb 17, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Money spent on Cars
Replies: 21
Views: 2682

Re: Money spent on Cars

Nobody "needs" to spend more than $10,000 on a fairly good used car these days. That will get you a four year old Corolla, five year old Camry or eight year old Lexus GS. Any of them will run safely and comfortably to 200,000 miles with few issues.
by snackdog
Sun Feb 16, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: Recommendation for a Great Stapler
Replies: 32
Views: 1930

Re: Recommendation for a Great Stapler

There is an entire website dedicated to this burning question, just on the odd chance that The Bogleheads have not already compiled a scientific study.

https://www.stapleslinger.com/best-heav ... r-reviews/
by snackdog
Sun Feb 16, 2020 4:52 pm
Forum: Personal Consumer Issues
Topic: When will 5G be available in Rural US?
Replies: 70
Views: 4718

Re: When will 5G be available in Rural US?

I have read there is concern over radiation effects and some European countries are delaying rollout. This is fake news spread by the same fake news sources that have been affecting chaos in other parts of our public lives. That's weird - it is in the Financial Times, a paper not known for their fa...
by snackdog
Sun Feb 16, 2020 9:21 am
Forum: Investing - Theory, News & General
Topic: How much should I offer for this brick and mortar business?
Replies: 75
Views: 5841

Re: How much should I offer for this brick and mortar business?

I would just pay him for the equipment he owns and then assume the lease at face value. He can keep the down payments for future bookings in lieu of any payment for the value of the name of the business.
by snackdog
Sun Feb 16, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: When will 5G be available in Rural US?
Replies: 70
Views: 4718

Re: When will 5G be available in Rural US?

I have read there is concern over radiation effects and some European countries are delaying rollout.
by snackdog
Fri Feb 14, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: How To Calculate Returns On a Rental Property
Replies: 22
Views: 1234

Re: How To Calculate Returns On a Rental Property

It is easy to say "income minus expenses", but the tricky part is in defining expenses. HOA dues, insurance and taxes are easy. Repairs can be estimated. What about financing - principal + interest or only interest? Income tax - after depreciation? What about depreciation recapture when you sell in ...