Search found 199 matches

by jucor
Wed Nov 13, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 19
Views: 1382

Re: Looking at buying a foreclosure Dallas area cash

I have experience in this area. The worst case is much worse than just a new roof. There could be issues with not only the property itself, but legal issues surrounding title. Get competent legal counsel and visit with others locally who have gone down this route. +1 Well said. By the time a proper...
by jucor
Sun Nov 10, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Kindle/Paperwhite -E Reader
Replies: 20
Views: 1444

Re: Kindle/Paperwhite -E Reader

Refurbished ones are available from Amazon for $80. Used working ones on eBay seem to start at $20 -- lots below $40.
by jucor
Fri Oct 18, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuyer wants me to do a 1031 exchange. Um, what?
Replies: 81
Views: 8478

Re: Homebuyer wants me to do a 1031 exchange. Um, what?

I'm selling a home. It's under contract and we are supposed to close in about a week. Today the buyer said he wants me to sign an "Exchange Addendum" which states that he intends to purchase the home as structured under Section 1031 of the Internal Revenue Code. Even after some googling, I don't re...
by jucor
Fri Oct 11, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8054

Re: My mechanic just wrecked my car - advice?

My daughter struck a parked car (sun in her eyes) at about 25 MPH. The damage was significant. An airbag deployed and the front is significantly deformed. Just the cost to replace the seat belts is not minimal. Wow. I hope she is ok! Good data point to compare. The airbags did not go off in my car ...
by jucor
Wed Oct 09, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: When to put on new roof?
Replies: 34
Views: 2808

Re: When to put on new roof?

I'm in the midwest, and I asked a friend in the roofing business similar questions before we got our roof replaced 12 years ago -- according to him, the shoulder seasons of fall and spring are good times, as his business was slower, and in his opinion, his workers did a better job because they weren...
by jucor
Sat Sep 28, 2019 5:31 am
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: How to Live on $350k (Income) in Hawaii
Replies: 68
Views: 7335

Re: White Coat Investor: How to Live on $350k (Income) in Hawaii

Questions like this are what make me roll my eyes when some on this board and elsewhere bemoan the low renumeration physicians face... Sure, some might not get paid a lot, but as White Coat Investor said above, the average for a GP is $275k/yr. Specialists make more, on average. That is not what I ...
by jucor
Fri Sep 27, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: How to Live on $350k (Income) in Hawaii
Replies: 68
Views: 7335

Re: White Coat Investor: How to Live on $350k (Income) in Hawaii

Questions like this are what make me roll my eyes when some on this board and elsewhere bemoan the low renumeration physicians face...

Sure, some might not get paid a lot, but as White Coat Investor said above, the average for a GP is $275k/yr. Specialists make more, on average.
by jucor
Fri Sep 27, 2019 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4951

Re: Protection From Catastrophic Medical Costs When Fully Insured

snip -- Pay doctors less and you are going to see less doctors in emergency rooms and more nurse practitioners and the subsequent deaths associated with it. And please stop calling physicians providers, you are equating someone with few months of online courses to someone who spent minimum 11 years ...
by jucor
Wed Sep 18, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2599

Re: eBay Doesn't match Description or Photos or Missing Parts

eBay monitors private messages between buyers and sellers. You don't think they would find it suspicious if a seller is trying to create a return label outside of a case and the buyer is cooperating? I went out of my way to be accommodating to a seller last month that never mailed an item to me. Ga...
by jucor
Mon Sep 16, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: T-mobile vs Google Fi for Internatioanal?
Replies: 31
Views: 2088

Re: T-mobile vs Google Fi for Internatioanal?

I would recommend staying far far away from Google Fi for your primary phone service. My experiences can be found elsewhere. Please, stick with a "real" phone company. In the states, when I had Fi I was connected to TMobile towers 90% of the time anyway. Except the service was terrible. Just to add...
by jucor
Tue Sep 10, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Fixing roof with missing tiles
Replies: 9
Views: 934

Re: Fixing roof with missing tiles

Have you had anyone local with knowledge of roofing (contractor/roofer, etc.) actually look at the roof and give you their opinion? You're alarmed at the $5k wild guesstimate given here on the forums, but no one here knows anything mote than what you included in your initial, somewhat vague post. Yo...
by jucor
Wed Sep 04, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7646

Re: First-hand experiences with United Basic Economy for families?

It really depends upon how full the plane is -- if it's crowded there's a good chance you'll not get to sit with your kids -- and a good chance you'll all have center seats. I've cheaped out on basic economy several times -- and have generally gotten less than optimal seats -- and was not surprised ...
by jucor
Mon Aug 26, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Tips
Replies: 16
Views: 1842

Re: Mortgage Payoff Tips

The $350k renovation involves an almost full demolition and rebuild (will keep the basement and tear the rest). So we may have to move out during the process. (I'm going off track as this pertains to only paying off the loan). That's NOT a renovation -- that's a new house on an old foundation. Is t...
by jucor
Mon Aug 26, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Desk: Where can I found one like this?
Replies: 16
Views: 1932

Re: Desk: Where can I found one like this?

Both Craigslist and Facebook Marketplace are likely to have quite a selection of older solid wood desks for fairly little money. Usually better quality than new and far cheaper! :moneybag :greedy
by jucor
Thu Aug 15, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Neighbor's FIOS cable running over my yard
Replies: 52
Views: 6908

Re: Neighbor's FIOS cable running over my yard

Is there a pole adjacent to his property that the primary FIOS feeder line is attached to?
by jucor
Fri Aug 09, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?
Replies: 37
Views: 3110

Re: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?

Depending upon location, you might ask if the play area work was done with permits, if required (depends upon the work done and local code). Otherwise, I'd not be too worried.
by jucor
Wed Jun 19, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead car [Purchase of storm-damaged car]
Replies: 19
Views: 3515

Re: The ultimate Boglehead car [Purchase of storm-damaged car]

40% seems like a good deal, but I still think a private party used vehicle with ~150k miles will end up costing less per year. Or just sell your car and ride the bus and bike like I do. can't transport groceries for a family of 4 on your bike. Sure you can. Use a bike trailer. Easy as can be. Buy a...
by jucor
Wed Jun 19, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead car [Purchase of storm-damaged car]
Replies: 19
Views: 3515

Re: The ultimate Boglehead car [Purchase of storm-damaged car]

40% seems like a good deal, but I still think a private party used vehicle with ~150k miles will end up costing less per year. Or just sell your car and ride the bus and bike like I do. can't transport groceries for a family of 4 on your bike. Sure you can. Use a bike trailer. Easy as can be. Buy a...
by jucor
Mon Jun 17, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 49
Views: 3891

Re: Turkish Airlines ?

Wondering if anyone has experience/thoughts about Turkish Airlines ? Pardon this rather specific question I'm considering trip to Central Europe, and it's pricing is better than most other options on my rewards program. More generally, is there good site for objective rankings/reviews of internatio...
by jucor
Sun Jun 16, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4607

Re: how is Home Depot's contractor service (for a water heater)?

Had my 6 year old gas water heater replaced by HD without issue for less money than plumber installed prior unit. Out of curiosity, why did you replace it so soon? We have an 11 year-old gas water heater that needed a valve replaced last year, and the plumber said it should be good for at least ano...
by jucor
Tue Jun 11, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 subaru forester 96k, replace or run into the ground?
Replies: 24
Views: 2152

Re: 2015 subaru forester 96k, replace or run into the ground?

OP, You've owned this car for 5 years -- surely you have a good feeling as to whether or not it is reliable? FWIW, 98K miles is fine, presuming you've done the needed maintenance. You should easily get another 3+ years out of it -- even a large ticket repair or two will leave you way ahead of the ga...
by jucor
Wed May 01, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Buying a hail-damaged car?
Replies: 42
Views: 2720

Re: Buying a hail-damaged car?

This was over a decade ago, so I had "a brand new $25K minivan that had cosmetic damage" concentrated primarily on the roof and hood... Some of the dents got smaller pressing on the edges. This aren't sledgehammer-type dents but a bunch of dimples and 3 or 4 large divots. And I really didn't care t...
by jucor
Mon Apr 01, 2019 6:46 am
Forum: Personal Consumer Issues
Topic: COPA Airlines
Replies: 13
Views: 1271

Re: COPA Airlines

Have flown Copa to Panama and to Costa Rica. Very pleased with the service. No bag fees, very good in flight service (real meals and drinks even in economy -- and good options for those with dietary restrictions if you notify at booking), decent legroom (a couple of inches more than some legacy carr...
by jucor
Tue Mar 19, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should we have renters insurance?
Replies: 68
Views: 4110

Re: Should we have renters insurance?

Renter's insurance is usually very inexpensive. The liability portion is what you really need -- and an umbrella will require an underlying policy.
by jucor
Wed Mar 06, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Issue with our Umbrella Policy
Replies: 30
Views: 3894

Re: Unexpected Issue with our Umbrella Policy

Why not just get the 250/500 ?? Seems "reasonable" to me -- and I suspect the premium increase may be "noise level" OP here. DW and I have 250/500 on our vehicles as is required for the umbrella policy. My son owns his own car and has his own auto policy. I agree that the premium increase for him i...
by jucor
Wed Feb 20, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Insulating rim joists in basement/crawl spaces -- rigid foam or spray?
Replies: 7
Views: 865

Re: Insulating rim joists in basement/crawl spaces -- rigid foam or spray?

Hi all, I am looking at better insulating my basement and one of the areas that needs immediate improvement is the rim joists area along the foundation wall. Some spots in this area have fiberglass and some have nothing...so I am going to get this sealed asap. However, I am seeing that there are tw...
by jucor
Tue Feb 19, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Do we need a will/trust/etc?
Replies: 59
Views: 4040

Re: Do we need a will/trust/etc?

No, you don't. You are not going to both die before your kids both reach 18. If you are worried, handwrite a will with two witnesses (check your state law), but, more importantly, assign beneficiaries. Assigned beneficiaries override wills anyway. Interesting how you are so sure... are you omniscie...
by jucor
Mon Feb 18, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Easiest Way to Give $100k Cash to Non-Family Member
Replies: 62
Views: 5441

Re: Easiest Way to Give $100k Cash to Non-Family Member

OK, I'll say it. It's not what you want to hear. It is a mistake, do not do it. This. Like another poster, I'd find it odd if they accepted the gift. They very well might decline the gift if we decide to offer it. That could make things uncomfortable. IMO, the chances of this not making things unco...
by jucor
Mon Feb 18, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 11960

Re: Wife filled our gas engine car with diesel fuel

Assuming this is a car made in the past 20 years I'm wondering how she managed to do this -- in the U.S. diesel filler nozzles are larger diameter than the fuel input hole in gas-powered cars. To actually fill the tank with diesel would be pretty tough. Was this a main-line gas station? What state? ...
by jucor
Sun Feb 03, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: need advice,either sell or keep my house (investment/debt)
Replies: 9
Views: 569

Re: need advice,either sell or keep my house (investment/debt)

I think you should stay put, make a tight budget, pay off that $28k in high interest debt ASAP -- being aggressive you two should be able to get rid of that easily within a year if you cut all extra spending. If your car loans are higher than 3% I'd go after those aggressively, too, and only once yo...
by jucor
Mon Jan 21, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs Own Assumptions
Replies: 46
Views: 2651

Re: Rent vs Own Assumptions

Homeowner Expenses: Interest over 15 years: $151,130 Profit from Buying: $519,533+$567,091-$13,500-$90,000 -$151,130 -$241,545-$27,293-$100,219-$163,757= $299,180 on initial investment (7.3% gross return) Just a comment on the methodology: Looking at interest expenses over 15 years in this way will...
by jucor
Sun Jan 20, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 34
Views: 1873

Re: Wills- Options other than family/charities?

I will be leaving some amounts to my current and former CNAs. They made my life better, on the whole. Broken Man 1999 Edited to add: I would like to leave a great friend some amount as well, he doesn't need it, but I want him to know how much I appreciated him hauling me to various sports outings m...
by jucor
Sun Jan 13, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: PNC 2.35% online savings
Replies: 13
Views: 1954

Re: PNC 2.35% online savings

Where are you located? I am a PNC customer, but your link indicates that offer is not good in my area. I also entered a zip code on the east cost where I know PNC operates, and got the same result. So perhaps this is fairly tightly targeted geographically?
by jucor
Thu Jan 10, 2019 11:06 am
Forum: Personal Investments
Topic: Retired Mother, High Withdrawal Rate, Small Portfolio
Replies: 11
Views: 1742

Re: Retired Mother, High Withdrawal Rate, Small Portfolio

If I'm understanding this correctly, she is proposing to move into a retirement community with a $375k buy-in and a $4000+ monthly fee? How big is the apartment? If smaller/cheaper units are available seriously consider those. Have you investigated lower cost communities, even if slightly less conve...
by jucor
Thu Dec 13, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 35
Views: 2712

Re: Potential New Home - Planes and Trains Noise

I am looking into purchasing a piece of land to build a home. I have owned two properties in my life and both came with the unknown and unfortunate reality of loud planes and trains traveling by. It really made me regret purchasing those properties. I don't want to make the same mistake this time, ...
by jucor
Wed Dec 12, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 6000

Re: Lyft driver got into an accident, but denies it

Having lived in various jurisdictions, it is amazing the differences. In two different cities, I have been put on hold when trying to report an accident with serious life threatening injuries. In another city, a major investigation was launched because there had been three push lawnmowers stolen in...
by jucor
Tue Dec 11, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4364

Re: Donate to homeless?

If you follow some of these 'homeless' you'll see them getting into their Cadillacs with the loot they collected that day. Drop your money into a Salvation Army kettle or donate to other reputable charities instead. I volunteer with a community-based organization that has as clients a number of hom...
by jucor
Thu Dec 06, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 23999

Re: What are others paying for property taxes around the US?

dwickenh wrote:
Thu Dec 06, 2018 6:05 pm
Toons wrote:
Thu Dec 06, 2018 5:47 pm
670.00 per annum
1400 sq ft home
Large lot.
:happy
You gotta love Tennessee!!
If you want to live in the state ranked as the No. 8 least-educated state in the U.S. -- TN is also the 6th least healthy state -- both according to stories in the Tennessean Newspaper... Hmmmm.
by jucor
Wed Dec 05, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 7328

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

I was hoping to make a $10k payment this year for 2018, but they are not accepting it until they assess it in January 2019. I know my county is doing this weird, that’s why I think it will be ok if I just mail it.…after all I’m mailing my 2018 property taxes in December 2018 like most county’s do, ...
by jucor
Thu Nov 29, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 3186

Re: Remodeling - tipping?

A bottle of nice whiskey for the GC and designer. What type of whiskey? I prefer Islay, I a like to gift stuff I would enjoy myself. I'd have to go to my local purveyor but maybe a Lagavulin 16 or something like that. FWIW, before tipping with alcohol you might want to be sure your contractors drin...
by jucor
Wed Nov 28, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 101
Views: 7283

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

Does anyone have anything good or bad to say about Google Fi / Project Fi? Seeing as this is new and not sure how this compares to a traditional network, I'm not sure I want to take the leap. I switched from t-mobile to Project Fi about a year ago -- I've been really happy -- the coverage is much b...
by jucor
Fri Nov 16, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2843

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: 1092

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: 2136

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: 8315

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: 8222

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: 720

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: 1008

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: 3874

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: 4531

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...