Search found 167 matches

by jucor
Sun Jan 13, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: PNC 2.35% online savings
Replies: 13
Views: 1585

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: Investing - Help with Personal Investments
Topic: Retired Mother, High Withdrawal Rate, Small Portfolio
Replies: 11
Views: 1660

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: 2608

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: 5741

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: 4089

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: 22325

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: 6989

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: 2872

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: 91
Views: 4938

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: 2612

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: 1052

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: 1787

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: 7538

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: 6189

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: 687

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: 966

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: 3722

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: 4202

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: 6229

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: 4069

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: 406

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: 1300

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: 1877

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: 1274

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: 1884

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: 9082

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: 1677

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: 5060

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: 1233

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: 9619

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: 1266

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: 1266

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: 1266

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: 1266

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: 2063

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: 2063

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: 3811

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: 3811

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: 2553

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: 2553

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: 2578

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: 186

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: 7504

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: 5706

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: 5706

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: 21768

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: 9084

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: 6796

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: 3277

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: 2571

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: