Search found 872 matches

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: 2935

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: 557

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: 12049

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: 7598

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: 16228

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: 3628

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: 5664

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: 2936

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: 3256

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: 2926

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: 6198

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: 747

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: 3454

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: 2041

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: 3039

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: 2663

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: 1913

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: 4583

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: 5657

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: 4583

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: 1211

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 ...
by snackdog
Fri Feb 14, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: What are your not free but still frugal hobbies?
Replies: 102
Views: 7577

Re: What are your not free but still frugal hobbies?

Travel can be quite cheap (relative to staying home) if you plan carefully and avoid tourist traps. A friend at work took a 16-day Transatlantic luxury cruise for $600. At that rate he could live on the ship for $1200/month, all meals included plus free shows every night, gym, games, free transit to...
by snackdog
Thu Feb 13, 2020 9:56 pm
Forum: Investing - Theory, News & General
Topic: How To Calculate Returns On a Rental Property
Replies: 22
Views: 1211

Re: How To Calculate Returns On a Rental Property

There are a lot of ways to calculate the ROI but they all work out to some form of income/investment. Income can be cashflow before financing, after financing, after interest charges only, before or after depreciation, before or after taxes. Investment is normally easier - down payment plus closing ...
by snackdog
Wed Feb 12, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: Best Oil?
Replies: 124
Views: 10182

Re: Best Oil?

Teague wrote:
Fri Feb 07, 2020 1:58 pm
Extra-virgin olive oil. Peanut oil. Sewing machine oil. Penetrating oil. Whale oil.
I tried Whale Oil in my car but it knocked like hell.
by snackdog
Wed Feb 12, 2020 6:33 am
Forum: Personal Finance (Not Investing)
Topic: I'm owed $393; client won't pay; what are my options?
Replies: 45
Views: 5436

Re: I'm owed $393; client won't pay; what are my options?

I can't give legal advise here but have you tried a phone call? It might be helpful to find out if the client "won't pay" or "can't pay", since those two are different.
by snackdog
Sun Feb 09, 2020 7:08 am
Forum: Investing - Theory, News & General
Topic: The 2020 Boglehead Contest -- Graphs and Statistics
Replies: 10
Views: 794

Re: The 2020 Boglehead Contest -- Graphs and Statistics

I would have thought with so many guessers the previous contests would have some trends but they don't. One year the actual was a p16 of all the guesses and the next year a p97 of all the guesses.
by snackdog
Thu Feb 06, 2020 7:39 am
Forum: Personal Consumer Issues
Topic: Tick Prevention for Dogs
Replies: 19
Views: 1393

Re: Tick Prevention for Dogs

We always use Bravecto but we never let the dogs off the leash. They may seem "happy" but it puts them at too much risk of injury.
by snackdog
Thu Feb 06, 2020 5:08 am
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 43499

Re: Engineers - What are you making? ($$$)

My brothers are both in oil and gas and live in LCOL cities. One never went to college, was a bit of a grifter, went to prison for a while, has about 20 years experience and earns $300K. He is a pseudo-engineer managing drilling for BP. Owns a home, second home and rustic cabin. The other has a PhD ...
by snackdog
Wed Feb 05, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: High Net Worth Individual with Little Income Seeks Mortgage
Replies: 32
Views: 4735

Re: High Net Worth Individual with Little Income Seeks Mortgage

Just apply for a "no-income verification" loan. They won't ask for any income information.
by snackdog
Tue Feb 04, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: The "$20 trick" at hotels
Replies: 12
Views: 3266

Re: The "$20 trick" at hotels

Please don’t train people to expect this behavior.
by snackdog
Tue Feb 04, 2020 3:10 am
Forum: Personal Consumer Issues
Topic: Electric Scooters
Replies: 25
Views: 1840

Re: Electric Scooters

I have been riding a Jetson Quest about a mile to work for several months now. Rear disc brake. 18 mile range.I love it. My route is half neighborhood streets and half downtown grid. I use streets and sidewalks depending on traffic. Six minutes one way. No sweat even during summer heat. Max speed ab...
by snackdog
Mon Feb 03, 2020 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Prepay rent for discount --> disadvantages?
Replies: 29
Views: 1984

Re: Prepay rent for discount --> disadvantages?

I would only do it if you are able to assess the risk that the landlord takes your money and manages to evict you. You might want to consult an attorney. If the risk is acceptable and/or you could recover quickly if you lost 10 month of rent and place to live and had to move, then I would go for it....
by snackdog
Fri Jan 31, 2020 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you that include your vehicle(s) in your net worth, how do you determine its value?
Replies: 66
Views: 2643

Re: For those of you that include your vehicle(s) in your net worth, how do you determine its value?

We have fairly decent cars but they are worth less than one third of 1% of net worth. Even if we replaced them both with newer cars we would struggle to hit 1%. Definitely not worth any effort tracking them, nor anything else less than 5% of net worth I reckon.
by snackdog
Wed Jan 29, 2020 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: $3 million the new rule of thumb?
Replies: 653
Views: 50665

Re: $3 million the new rule of thumb?

Back in the day, before the dot-com bust everyone said the Silicon Valley rule of thumb for retirement was $40 million: $10 for the tax man, $10 for a place to live, and $20 walking around money the rest of your life.

But that was 20 years ago.
by snackdog
Tue Jan 28, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much money can I spend on a car?
Replies: 59
Views: 5245

Re: How much money can I spend on a car?

If your income is $218K/yr, then I would try to keep auto costs under 5% or $11k/Yr. We can round up to $1000/month. If we set aside $200/mo for insurance, that leaves $800/mo for a lease. That would get you a decent new Lexus GS or BMW 3 series. If you can't access your trust, the amount in it is n...
by snackdog
Tue Jan 28, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Sell home or keep as rental?
Replies: 22
Views: 1124

Re: Sell home or keep as rental?

If I understand you math, you have invested $78,000 into this property (purchase price minus amount owed). If you rent it for $2500/month, you will have monthly costs of $2475 comprising mortgage ($1550), project mgmr ($125) and maintenance ($800) for a return of $25/month or $300/year. That is .38%...
by snackdog
Fri Jan 24, 2020 7:58 am
Forum: Personal Investments
Topic: How to maximize available headroom in tax bracket
Replies: 4
Views: 499

Re: How to maximize available headroom in tax bracket

Wait until December and estimate your position using tax software.
by snackdog
Wed Jan 22, 2020 5:10 am
Forum: Personal Finance (Not Investing)
Topic: Annual expenses in retirement survey
Replies: 7
Views: 871

Re: Annual expenses in retirement survey

How about just use the median cost of living in those places then subtract 25% for lean and add 50% for fat. Done.
by snackdog
Sun Jan 19, 2020 7:57 pm
Forum: Investing - Theory, News & General
Topic: Why have so many people forgotten about 19% drop 13 months ago?
Replies: 54
Views: 7186

Re: Why have so many people forgotten about 19% drop 13 months ago?

Most people never knew about the drop, so there is nothing to remember. Ask five people on the street how the market did in 2018. I certaintly couldn't tell you without looking.
by snackdog
Sat Jan 18, 2020 9:33 am
Forum: Investing - Theory, News & General
Topic: What is considered a lot of money to have saved up?
Replies: 61
Views: 7522

Re: What is considered a lot of money to have saved up?

Current salary multiplied by years you have worked is a good rule of thumb after you have been working a few years.
by snackdog
Wed Jan 15, 2020 6:52 am
Forum: Personal Consumer Issues
Topic: New Refrigerator
Replies: 23
Views: 1844

Re: New Refrigerator

Yale Appliances sells zillions of appliances and tracks repairs. They find Whirlpool, LG and Samsung break the least.

https://blog.yaleappliance.com/bid/8633 ... nce-brands
by snackdog
Tue Jan 14, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: What is owed to realtor?
Replies: 17
Views: 2568

Re: What is owed to realtor?

On new constructions price may not be negotiable, but everything else may be - free appliances, upgrades, window coverings, etc. I even got a builder to pay the HOA fee for me the first two years. Did a realtor negotiate that for you or did you negotiate it yourself? Real estate sales is very much ...
by snackdog
Mon Jan 13, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: What is owed to realtor?
Replies: 17
Views: 2568

Re: What is owed to realtor?

I would absolutely use a realtor for the transaction. You seem to have already selected one (although I'm not sure I would have followed your selection process); if you are comfortable I would proceed with them. They can get more information than you can from the other party and get the best deal po...
by snackdog
Mon Jan 13, 2020 5:35 am
Forum: Personal Consumer Issues
Topic: Salad shooter recommendation
Replies: 16
Views: 1625

Re: Salad shooter recommendation

When I ran a busy salad bar in a restaurant we used a Cuisinart food processor to prep all the veggies. No knives. It was fast and clean. These units last for decades and you can pick one up at a garage sale for $15 from someone who doesn’t know how to use it. I have had one for 30 years.
by snackdog
Sun Jan 12, 2020 7:12 am
Forum: Personal Consumer Issues
Topic: Cancelling surgery last minute?
Replies: 17
Views: 2113

Re: Cancelling surgery last minute?

It is a simple procedure with a 95% success rate. I have found that in some cases less experienced physicians take more care and fewer risks than old guys who think they know it all.
by snackdog
Sat Jan 11, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: 2020 Lexus RX 350L Advice
Replies: 30
Views: 4679

Re: 2020 Lexus RX 350L Advice

Lexus has really lost their way on styling I’m afraid. If they fix it in the next model these could be unpopular resales.