Search found 158 matches

by jucor
Fri Nov 16, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2306

Re: Need advice on (2) jackets.

I'd go with a model with buttons and no fur -- and no obnoxious branding patch, either. That fur is going to be a pain when you wear the hood. Try it on, see what you think. Off topic, but the photos made me laugh -- the company seems to be going for the disaffected, unhappy hipster look. To me they...
by jucor
Mon Nov 12, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to rent our house?
Replies: 12
Views: 991

Re: Is it worth it to rent our house?

We purchased a 3 bed 1.5bath house for $315k less than 2 years ago at a great interest rate. My wife and I got new jobs unexpectedly and will be relocating 90 minutes away. We put the house on the market for $330k but there hasn't been any real interest yet. We put a few grand into home improvement...
by jucor
Fri Nov 09, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 1750

Re: Updating Microsoft Word

Thanks for all the helpful responses. I will try as many as I can. And any thoughts on whther the top iPad can replace MacBook Air for a writer (and non-games-player)? All the best, Rob IMHO it can -- with the proviso that I'd use a Bluetooth keyboard with it, as typing on the screen, although doab...
by jucor
Mon Nov 05, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7359

Re: Do people calculate savings rate on gross income?

We calculate based on gross. In our case household gross in very low 6 figures, savings rate has been between 52% and 54% of gross for the past several years, approximately 1.75 times what we spend each year. LCOL area.
by jucor
Wed Oct 24, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 5994

Re: Best way to complain about Hertz bait-and-switch?

As many have said, that's the nature of car rentals. Two years ago we had a one-way reservation with Enterprise for a compact car -- arrived and were told the only thing available was a 4-door 4-wheel drive Ford F250 pickup truck! We spent 20 minutes palavering to no avail, and ended up driving the ...
by jucor
Tue Oct 23, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Disclaim inheritance to grandchild's 529 account?
Replies: 6
Views: 669

Re: Disclaim inheritance to grandchild's 529 account?

I do not believe that if you disclaim the inheritance that you can direct its dispersement to another person.

The point of disclaiming is that you relinquish any claim.

IANAL.
by jucor
Fri Oct 19, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Replace roof or wait .... and
Replies: 14
Views: 948

Re: Replace roof or wait .... and

You say the roof needs replacement -- is that based on issues like leaks, etc, or just your opinion based on age and the roof looks ok and is functional? If the former I'd replace now, if the latter I'd not do it and wait for an objection by potential buyers. I doubt strongly that using a slightly l...
by jucor
Mon Oct 15, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3684

Re: Not convinced with insurance

This line I have some concern if you put down a large down payment and you have a loss, the mortgage company will be happy but you may not. The amount of home insurance to buy is not what a mortgage company wants BUT what it would cost to replace the home and contents you should have 100% replaceme...
by jucor
Sun Oct 14, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4118

Re: How Much Is Your Sewer Bill?

Small city in Midwest, 2 person household in ~1750 sq ft house. Our sewer cost is about $15 month -- a couple of dollars more in summer, less in winter, as it is tied to water consumption, and in summer we use more water in out vegetable garden (which does not impact sewer use, but...). Pretty cheap...
by jucor
Tue Oct 02, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6083

Re: What I learned from my roofing saga.

Don't leave us hanging, Fortfun! What transpired between Sunday and today? Are you paying the old roofer anything? How did you explain the situation to the new roofer?

Congrats on being a bit closer to resolution -- here's hoping roofer #2 knows what they're doing! :oops: :)
by jucor
Sun Sep 16, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 4004

Re: Is home alarm monitoring worth it?

In my case I live in a lower cost older neighborhood a block away from a newer, higher cost neighborhood. I have friends in the "nicer" neighborhood who have been burgled twice in the past decade, and they say there have been 6 on their block in that time period. If you discount several cases of the...
by jucor
Thu Sep 13, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Storm Window Noise Reduction
Replies: 3
Views: 397

Re: Storm Window Noise Reduction

You will likely do better to install sound blocking or noise reduction window shades on the inside of the window. Installing standard storms on vinyl window casings might prove problematic, and I don't think they'll provide much in the way of sound attenuation.
by jucor
Mon Sep 03, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: German B&M Non-Blinking vs. Blinking Bike Tail Lights
Replies: 20
Views: 1270

Re: German B&M Non-Blinking vs. Blinking Bike Tail Lights

I’m a bike commuter and tourist. The benefits of good generator-powered headlights are clear. For the rear, though, I’m a big believer in BRIGHT. High-powered USB taillights provide plainly superior visibility night and day. Most of the discussion on this forum is about money. I can’t think of a be...
by jucor
Fri Aug 24, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Selling old car - expired registration
Replies: 31
Views: 1867

Re: Selling old car - expired registration

OP, you sound surprised/disappointed that your old car is no longer reliable. Regardless of origin, your car is 17 years old, and has a lot of miles -- it has done well (even with money put in for repairs -- certainly that's expected given the age and mileage). Now you need to move on. Do not spend ...
by jucor
Sat Aug 11, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Insuring for sewer damage in a slab home
Replies: 14
Views: 1258

Re: Insuring for sewer damage in a slab home

As this is new construction you can ask the builder to install a backwater or backflow valve in the sewer line -- this will prevent backflow from outside of the house -- which is really all you need to insure against -- with a backflow valve paying for insurance against sewage inflow is a bit like w...
by jucor
Sun May 13, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: First time seller interviewing realtors--what to ask?
Replies: 19
Views: 1857

Re: First time seller interviewing realtors--what to ask?

OP here. Thanks for the suggestions (and good idea about only doing listing for 90 days). And yes, I'll ask if fee is negotiable. One of the realtors I'm considering, who lives in my building and recently sold a friend's apartment, makes it a selling point that he charges 4%; the other two charge t...
by jucor
Sun May 13, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 98
Views: 9001

Re: What do you buy in Asian food stores?

[Previous post removed, thread merged into here. See below --admin LadyGeek]

I buy the following in "Asian" -- Indian, Chinese -- food stores:

Rice
Legumes of various sorts
Loose leaf teas
Spices
Some vegetables -- chois, daikon (a type of radish), etc.
by jucor
Sat Apr 28, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Verbally accepted offer on house I am selling in FL- using flat fee broker. Now what?
Replies: 10
Views: 1636

Re: Verbally accepted offer on house I am selling in FL- using flat fee broker. Now what?

In Illinois, everyone uses an attorney. We also use an (expensive) title company. I understand they don't in some states. It is somewhat baffling to me as it is usually the biggest purchase of your life. When I sold not using a seller's agent, they presented the contract, which in my state, is stan...
by jucor
Tue Apr 03, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Builder wants $800 to vent a gas cooktop
Replies: 53
Views: 4993

Re: Builder wants $800 to vent a gas cooktop

I think a filter return to room setup is fairly useless -- will not do anything at all regarding moisture, and will be limited in dealing with smells effectively. An external exhaust is far better. That said, $800 for putting an exhaust in as part of new construction seems really steep -- is the coo...
by jucor
Thu Mar 29, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Duffel >62 linear inches but won't be full...oversize fee?
Replies: 11
Views: 1221

Re: Duffel >62 linear inches but won't be full...oversize fee?

I've done this a number of times on different airlines -- never any issues, as when the bag is less than full it is under the size constraints. I do recommend a couple of compression straps, this will not only make your bag smaller, but also protect the contents from shifting a lot in a half empty b...
by jucor
Wed Feb 28, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 9439

Re: 30-Day Minimalist Challenge

One of my biggest problems is I'm a DIY'er, so I accumulated a ton of tools when I did a two kitchen / two bath remodel. Having all those tools taking up tons of space and not getting used is a big stress point, but I know when I've gotten them down to just the essentials I will feel great freedom....
by jucor
Mon Feb 26, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Water & Sewer line replacement
Replies: 11
Views: 1248

Re: Water & Sewer line replacement

I would do a first class job in a heartbeat. One thing to ask, does your city have any plans to rebuild your street. Around us there is a rolling plan for city street, sewer, water, and gasline replacement about every 30-50 years or some such thing. The usual drill is that when they do the street e...
by jucor
Mon Feb 26, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Water & Sewer line replacement
Replies: 11
Views: 1248

Re: Water & Sewer line replacement

I would do both with a caveat, make sure that current provider policy will allow you to replace water and sewer line in same general location and that there is not a separation requirement that will make it a different project. Make sure the trench has a proper bed for the pipes in your area. Might...
by jucor
Mon Feb 26, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Water & Sewer line replacement
Replies: 11
Views: 1248

Re: Water & Sewer line replacement

niceguy7376 wrote:
Mon Feb 26, 2018 8:22 am
Does Home Owners Insurance cover any of this?
I would prefer to get both replaced if you are going to live another 10+ years and want to enjoy stress free life during that stay from this topic.
No, insurance does not cover this -- it is just wear.
by jucor
Mon Feb 26, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Water & Sewer line replacement
Replies: 11
Views: 1248

Water & Sewer line replacement

We live in a house built in 1911, with what I believe (and have been told) are likely original water and sewer lines. We were notified last week by our city that our water line is leaking between the meter and the water main (still our responsibility), and that we have to repair/replace the line wit...
by jucor
Sun Feb 25, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay down first?
Replies: 30
Views: 2010

Re: Which debt to pay down first?

Several questions: 1) Is your 25x expenses in investments exclusive of your debt? 2) If you delayed going part time how many years of the higher income would it take to pay down your debt if you dedicated the difference solely to that? 3) Is your biannual exemption bundling still going to work with...
by jucor
Sun Feb 25, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay down first?
Replies: 30
Views: 2010

Re: Which debt to pay down first?

Several questions: 1) Is your 25x expenses in investments exclusive of your debt? 2) If you delayed going part time how many years of the higher income would it take to pay down your debt if you dedicated the difference solely to that? 3) Is your biannual exemption bundling still going to work with ...
by jucor
Sun Feb 18, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 3506

Re: GEICO Auto Shady Practice?

Everybody has a bad experience at some point with a company. All I can say is that GEICO is by far the cheapest option I have found--no one comes close. Every time I've had an issue, they have gone to bat for me, paid claims without putting up a fight, have fought and recovered money from other par...
by jucor
Sun Feb 18, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 3506

Re: GEICO Auto Shady Practice?

Everybody has a bad experience at some point with a company. All I can say is that GEICO is by far the cheapest option I have found--no one comes close. Every time I've had an issue, they have gone to bat for me, paid claims without putting up a fight, have fought and recovered money from other par...
by jucor
Fri Feb 16, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 2513

Re: Folding bicycles

TallBoy29er wrote:
Fri Feb 16, 2018 8:56 pm
Just curious, why do you want/need a folding bike?

From first post by OP in thread "My planned use is is 2 bagged bikes in small aircraft (back seat of C182 or larger)"
by jucor
Fri Feb 16, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 2513

Re: Folding bicycles

Another very happy Brompton owner here. I'm a big guy -- 6'7", 235 lbs -- and the Brompton with H bars and extended seatpost fits me well -- they have many configurations for all sizes, and are very adjustable. I used to own a DaHon, and test rode about 7 different folders before buying the Brompton...
by jucor
Wed Feb 14, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: New Job Evaluation
Replies: 30
Views: 2557

Re: New Job Evaluation

What will the pension in your current job be worth once you're vested if you leave shortly thereafter? In other words, what is the cost of giving up the pension once vested (and what's the value of the 7.5 years you've put in towards vesting)?
by jucor
Wed Feb 14, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Frontfoot Benefits Fee vs Invest
Replies: 2
Views: 184

Re: Pay off Frontfoot Benefits Fee vs Invest

Will you likely be in this property for another 15 years? If not, would the assessment fees transfer to new owner or be your responsibility? If you'll be there long term and/or are responsible for the whole amount either way than this is a pretty good return. They are essentially offering you a 29.4...
by jucor
Tue Feb 06, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 7403

Re: Washer/Dryer longevity ?

Everyone I've talked to that has bought a high efficiency washer said they would "go old school" if they had the choice again. Not me -- we have a 9 year old Bosch HE front loading washer and love it. Reliable, clothes come out clean and with very little water. I'd NEVER go back to the old low-spin...
by jucor
Tue Feb 06, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Car Lease -- High Residual Value -- what am I missing?
Replies: 49
Views: 5628

Re: Car Lease -- High Residual Value -- what am I missing?

FWIW, unless you're really in love with the Maserati, look elsewhere. They're really lousy reliability-wise. I have a former BIL who has owned two in the past 10 years and he seems to drive a dealer loaner at least half the time as his is being worked on, at the dealer waiting for parts, etc. I get...
by jucor
Sun Feb 04, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease -- High Residual Value -- what am I missing?
Replies: 49
Views: 5628

Re: Car Lease -- High Residual Value -- what am I missing?

You say you will be ok with 5000 miles/yr because you do not drive much, but you've driven your current car an average of 15,000 mile/yr. Did you used to drive a lot more? What's changed? If you now drive less, how many years have you been driving 5-7000 miles a year? FWIW, unless you're really in l...
by jucor
Sat Feb 03, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21473

Re: For BHs who actually like cars - what is your daily driver?

For summer -- a BMW R1200R motorcycle

Two wheels good -- much more fun! :P
by jucor
Thu Feb 01, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 9038

Re: I have an overwhelming gift I'm in need of help of please.

Although the OP has not specified where the windfall is coming from, assuming it is a gift from n individual or couple there is little likelihood that either the giver or recipient will owe any tax on the gift. The giver will need to file form 709 with the IRS for the amount over the yearly exclusio...
by jucor
Sun Jan 21, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 82
Views: 6740

Re: Should I buy a business or suck it up at a job(s) with a pension.

I'd vote for "suck it up" -- you have an amazing pension and health care benefit package at 55 -- the free insurance for your whole family is worth large $$ -- I'm guessing the plan is a good one, and the full cost is likely >$18k/year for premiums with fairly good options and low co-pays. Private b...
by jucor
Fri Jan 12, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: AirBnB my Van?
Replies: 29
Views: 3235

Re: AirBnB my Van?

emanuel_v19 wrote:
Fri Jan 12, 2018 5:14 pm
Hello,

I am curious, do any of you rent a vehicle through AirBnB? That is, for someone to actually sleep in it and not drive it.

Is this possible?

Or are there other forms or ways I can rent it without using AirBnB?
Is your van by the river? :?
by jucor
Fri Jan 12, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 2515

Re: [Lightning rods for my house? Or too "old fashioned"?

Earl Lemongrab wrote:
Fri Jan 12, 2018 4:15 pm
Reminds me of the Livesoft "averse"/"adverse" thread. The word is lightning, not lightening. The latter is something very different.
Although you must admit that a house struck by lightning may well be quite lightened. :D :shock:
by jucor
Sun Jan 07, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Stand Alone Umbrella Insurance
Replies: 45
Views: 5369

Re: Stand Alone Umbrella Insurance

OP, have you shopped your whole insurance package recently? In my experience multi line discounts tend to make it worth having all of your lines with one carrier -- and as you're discovering, sometimes companies will not issue umbrella w/o holding other coverages as well. How much umbrella coverage ...
by jucor
Mon Dec 18, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: Is Menards the future of retail? If so, what does it mean?
Replies: 37
Views: 3107

Re: Is Menards the future of retail? If so, what does it mean?

House brands are nothing new -- been around for over 100 years. Think about the big retailers like Sears and Wards and JC Penney -- their catalogs were full of house brands. They were perhaps the first to be really large scale and national in scope, but they were not the first to private label -- th...
by jucor
Sun Dec 03, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 8221

Re: How to convince DW that high miles used car is OK

I have owned 2 cars whose brake lines failed under 150,000 miles. Its a serious shock to put your foot on the brake and it hits the floor as you keep going! Unless you like the feeling of your stomach moving up your throat its not worth the "thrill". How to prevent this from happening? Have your ca...
by jucor
Sun Nov 26, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 7605

Re: Etiquette question: Paying for meals out & out of town guests

My wife does not drink and I rarely do. Family and friends know this. I have a BIL who delights in ordering expensive bottles of wine and post dinner drinks when they are visiting and we go out... but only when we have said the meal is on us. Mysteriously, on occasions where it is clear they are pi...
by jucor
Sun Nov 26, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 7605

Re: Etiquette question: Paying for meals out & out of town guests

My wife does not drink and I rarely do. Family and friends know this. I have a BIL who delights in ordering expensive bottles of wine and post dinner drinks when they are visiting and we go out... but only when we have said the meal is on us. Mysteriously, on occasions where it is clear they are pic...
by jucor
Tue Nov 21, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 2767

Re: Recommend a daily driver

It is well maintained and I am a DIY kind of guy. But with 120k miles on it I will have no time to fix unexpected issues that may arise. Additionally, I will no longer be able to garage it and it will be subjected to door dings, etc Even though the value of it is probably around $14-15k, I mentally...
by jucor
Sat Nov 11, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Best way to sell house contents
Replies: 19
Views: 4438

Re: Best way to sell house contents

Contact an estate sale company or two in your area. Most of them will do a "living estate sale," and the good ones will draw a crowd, assuming you have a reasonable volume of decent/interesting items. Another option might be a local auction house.
by jucor
Mon Nov 06, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: sell of taxable account to pay off debts?
Replies: 16
Views: 1509

Re: sell of taxable account to pay off debts?

After reading your details, I think I'd not sell from taxable -- you'll be paying a lot in taxes for that. I would definitely start upping the amount you're paying towards debt instead of adding to taxable -- esp. the boat! You can think of debt payoff as fairly conservative guaranteed returns.
by jucor
Mon Nov 06, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2837

Re: Climate controlled cars - Useful or Useless?

I like the auto. I also like the thermostat in my house which regulates fan speed, etc. The car works the same way. I'm wondering what those who hate a thermostatically controlled system in their car use in their homes... :)