Search found 143 matches

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: 1714

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: 8531

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: 1474

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: 4404

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: 1047

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: 8600

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: 1174

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: 1174

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: 1174

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: 1174

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: 1705

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: 1705

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: 2688

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: 2688

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: 2194

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: 2194

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: 2348

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: 165

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: 6663

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: 5207

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: 5207

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: 19519

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: 8630

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: 6395

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: 2989

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: 2275

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: 43
Views: 3965

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: 2849

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: 7850

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: 6705

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: 6705

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: 2587

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: 3120

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: 1404

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: 2661

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... :)
by jucor
Mon Nov 06, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: sell of taxable account to pay off debts?
Replies: 16
Views: 1404

Re: sell of taxable account to pay off debts?

More info needed. How much debt -- what type? Interest rates? How much in taxable account? Mostly long-term gains?
by jucor
Wed Nov 01, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Low income but good savings rate... spend?
Replies: 23
Views: 2659

Re: Low income but good savings rate... spend?

A bit of perspective -- your household income is not low -- it is above the U.S. median -- you are doing better than ~55% of all households, and you are quite young. These boards can give a skewed impression of reality. Your savings rate is good. Keep that up -- it will pay off later in life. Try to...
by jucor
Sun Oct 29, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 11970

Re: we bought a house - are we housepoor now?

Boston area is HCOL. You are in mid '30s with net worth of over $1m. You make good money. You still plan on saving, and can do so. You're doing very well, IMHO. :sharebeer Comments like some that say you've not saved enough with over $1m by mid '30s make me wonder what sort of world those BHs inhabi...
by jucor
Mon Oct 16, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 2035

Re: Opinions on bicycle disc brakes?

You say you're riding a relatively inexpensive upright bar hybrid style bike. The issue may be the likely poor quality cheap brakes on that bike. What brand and model brakes are the brakes? The bike? Cheap brakes can shudder and flex, which is a major cause of squeal You can buy a set of Shimano Deo...
by jucor
Mon Oct 02, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 3265

Re: camping trailer...need to change vehicle?

I'd consider a class B motorhome like the Sprinter-based Winnebago Travato instead of a trailer and tow vehicle. Easier for most to handle in cities and mountain roads, and more comfortable to travel in than many/most tow vehicles. Low mileage used ones are available for $55-$70k.
by jucor
Thu Sep 28, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 14706

Re: The Rolex and The Boglehead

I have a very nice Swiss watch made by a small boutique maker (Jaeger-LeCoultre) that was given to me by my father-in-law, who received it from his father as a gift when he became a graduate chemical engineer. It is now 50+ years old, and I rarely wear it -- mostly for formal occasions and celebrati...
by jucor
Sun Sep 24, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 5639

Re: Asking for no wedding gifts

One of our nephews got married this summer -- small ceremony, which we missed as we were out of town. They requested no gifts. We knew they were paying for the ceremony/small party themselves. A month or so before we went to see them on a Saturday (they live in a small urban apartment about 2 hours ...
by jucor
Sun Sep 24, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 13895

Re: Lifestyle Creep

We buy better, much more local groceries, from a local co-op and farmers who pay living wages, and whose farms we've visited. This has close to tripled our grocery bills, but we eat better, and feel better about our consumption. When on the road, we no longer stay at flea-bag motels -- solidly mid-l...
by jucor
Sun Sep 17, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Pocket money allowance for college student
Replies: 48
Views: 3485

Re: Pocket money allowance for college student

We give our freshman college student daughter $500 per month. gasdoc Out of interest, are you monitoring what she is doing with that money? If she lives on campus with a meal plan, no car, that's a lot of $$ in discretionary spending, IMHO. Not saying it is wrong in your case, but wonder what the r...
by jucor
Sun Sep 17, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pocket money allowance for college student
Replies: 48
Views: 3485

Re: Pocket money allowance for college student

We give our freshman college student daughter $500 per month. gasdoc Out of interest, are you monitoring what she is doing with that money? If she lives on campus with a meal plan, no car, that's a lot of $$ in discretionary spending, IMHO. Not saying it is wrong in your case, but wonder what the r...
by jucor
Tue Jun 20, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Planning Around Partner's Student Loans
Replies: 30
Views: 3311

Re: Planning Around Partner's Student Loans

OP, you're also assuming she stays in IBR for 22 years. That's a really long time. I know of several well educated folks who, after a decade or two of low income living changed careers and one who became a regional art granting agency bigwig. None of them would have predicted they'd have increased t...
by jucor
Tue Jun 13, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 74
Views: 5992

Re: How many tech devices do you have?

2 of us: 1 2013 Macbook Pro 1 2013 Mac mini 1 iPad mini 3 1 Brother wi-fi network laser printer 1 iPod Touch (connected to speaker in basement/exercise room) 2 Apple Airport Express routers serving to extend network/serve music to speakers 1 Apple Airport Extreme router 2 Kindle Paperwhites 1 Nokia ...
by jucor
Sun Jun 11, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Let.s get serious here [need bond fund]
Replies: 12
Views: 3434

Re: Let.s get serious here !!!!!!!!!!!!!!!!!!!!!!!!!!!!

Forget anyone who is not retirred need a retirre 10 to 15 yrs ago to comment. what is in your taxable account? i,m looking for Bond funds? reason :bad yields on certain bond funds. and definetly on bank savings accounts Total bond mkt. seems appropiate for a $50,000 + investment instead of into ban...
by jucor
Fri Jun 09, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Used Exercise Equipment
Replies: 22
Views: 2583

Re: Used Exercise Equipment

Does anyone know if there is a standard depreciation for used exercise equipment, namely 2yo Spirit XT485 treadmill (Purchased for $1900), and heavy duty weight bench? I have heard that 50% off for 2yo equipment is somewhat reasonable. Thanks! Generally massive depreciation. I bought a Monark ergom...
by jucor
Thu May 04, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Motor Home
Replies: 33
Views: 4570

Re: Motor Home

Wow.. a lot of negative feedback on RV's. Here is my story.. Purchased 10 Year old Diesel Mercedes Benz (MB) Sprinter chassis (Winnebago View) last year with 22K miles on the clock, one owner. Verified Car Fax. Small enough to park in normal parking spot (think very big pickup truck) 23 feet long a...