Search found 368 matches

by Kennedy
Mon Jan 13, 2020 9:41 pm
Forum: Personal Consumer Issues
Topic: Cash out re-fi of rental property to fund other business?
Replies: 1
Views: 238

Cash out re-fi of rental property to fund other business?

I have a project whereby I need a commercial construction loan for my new business. I spoke to a banker for a local bank that provides construction/commercial loans. She told me her bank would amortize the loan over 15 years with a rate that adjusts every five years. Moreover, there would be a 1% or...
by Kennedy
Thu Jan 09, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: Credit card for business: In name of LLC or the DBA business name?
Replies: 3
Views: 256

Credit card for business: In name of LLC or the DBA business name?

If my business is owned by my LLC, but I use a DBA (doing business as) name for the business itself, in which name do I apply for and have put on the credit card?
by Kennedy
Sat Jan 04, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: How to get home internet in the country, outside the city limits?
Replies: 24
Views: 1121

Re: How to get home internet in the country, outside the city limits?

My verizon cellphone plan does allow use as a hotspot, but I know it throttles it really quickly. As such, I don't think that is a practical solution for streaming, unfortunately.
by Kennedy
Sat Jan 04, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: How to get home internet in the country, outside the city limits?
Replies: 24
Views: 1121

How to get home internet in the country, outside the city limits?

I'm looking at a lot that is for sale in the county, outside the city limits. I checked online with my current internet provider (in the city) as well as the competitor, and they both said they do not service that area. It's an empty lot, so the sellers do not currently have internet there. Where el...
by Kennedy
Mon Dec 23, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: Bank of America Preferred Rewards credit card program: How does it work?
Replies: 4
Views: 706

Bank of America Preferred Rewards credit card program: How does it work?

I've been reading online about the Bank of America Preferred Rewards credit card program, and I'm still not sure how it works. Will someone who is familiar with this please let me know if the following is correct? (I travel frequently and can also maintain $100,000 in a Merrill Edge account, as long...
by Kennedy
Fri Dec 13, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: "Safer" places for Spanish immersion experience?
Replies: 84
Views: 6985

Re: "Safer" places for Spanish immersion experience?

The current situation in Chile involves the whole country more than the current situation in Mexico does. However, Mexico did recently experience a tragedy in Cuernavaca, where many of the language schools are. Costa Rica has several well run language schools in a stable environment. Argentina, Par...
by Kennedy
Fri Dec 13, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: "Safer" places for Spanish immersion experience?
Replies: 84
Views: 6985

"Safer" places for Spanish immersion experience?

I'm looking for places for a woman and a teenage child to spend a few weeks in Spanish immersion classes. For logistical reasons, I'm only considering Central and South America. I am aware of the headlines regarding current political unrest or cartel-related events in Ecuador, Mexico and Chile, but ...
by Kennedy
Tue Dec 03, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Apps or structured program for reading the Bible?
Replies: 36
Views: 2074

Re: Apps or structured program for reading the Bible?

About 10 years ago I made it a goal to read the whole Bible every year. I read the DOUAY-RHEIMS Bible. It is longer than the King James. I would have to read four chapter a day to finish in a year. It was a few week quicker than a year but that was alright because a flu that might hit you. I starte...
by Kennedy
Mon Dec 02, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Apps or structured program for reading the Bible?
Replies: 36
Views: 2074

Apps or structured program for reading the Bible?

I'm looking for suggestions for approaches to reading the Bible. I've tried previously with just opening it up and starting with Genesis, but it didn't keep my interest.

Is there a suggested app or other structured program I can purchase or find for free that will make it easier?
by Kennedy
Mon Dec 02, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: Monovision contacts?
Replies: 23
Views: 1391

Monovision contacts?

I'm not looking for specific medical advice. I just want to know people's general experience with monovision contacts. As explained to me by my eye doctor, he would give me one contact for distance and the other contact lens for reading. I had dismissed his suggestion previously, but I had an odd ex...
by Kennedy
Thu Nov 28, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Birthday/Christmas presents for new in-law?
Replies: 11
Views: 1063

Birthday/Christmas presents for new in-law?

Just trying to get suggestions for ways people provide birthday and Christmas gifts to new daughters and sons-in-laws. I know some people no longer give presents to children once they're grown. However, for those who do, how do you handle it when your grown children marry? Do you gift the new DIL or...
by Kennedy
Fri Nov 22, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Good waterproof ear plug?
Replies: 4
Views: 424

Good waterproof ear plug?

Looking for a good waterproof earplug for an adult with a permanent hole in their eardrum to use when snorkeling in the ocean. I see several different brands of "swimming" earplugs on Amazon, but I'm wondering if anyone here has used waterproof earplugs and can pass along a personal, unbiased recomm...
by Kennedy
Thu Nov 21, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Any sales/deals on buying iphone 11 Pro?
Replies: 9
Views: 1244

Re: Any sales/deals on buying iphone 11 Pro?

Retailers make little money on selling the iPhone - activations/new lines is where they make profits. So for the most part you're going to pay full price unless you add a line. The Black Friday ads are out on the usual sites, take a look for yourself. I actually need to purchase two phones. One wil...
by Kennedy
Thu Nov 21, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Any sales/deals on buying iphone 11 Pro?
Replies: 9
Views: 1244

Any sales/deals on buying iphone 11 Pro?

I'm looking to buy an iphone 11 Pro with Verizon as the carrier. Anyone see anywhere I can get a discount? I'm hoping something will pop up for a Black Friday sale, but I haven't seen anything yet.
by Kennedy
Thu Nov 21, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Am I getting scammed on my mortgage rate?
Replies: 17
Views: 1566

Re: Am I getting scammed on my mortgage rate?

And I agree that "scammed" is a harsh term. I think "being taken advantage of" is more appropriate, although it's just a softer version of scammed. I was definitely taken advantage of for my first couple of loans. I used whomever the realtor suggested. Looking back, I paid waaay more than I should h...
by Kennedy
Thu Nov 21, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Am I getting scammed on my mortgage rate?
Replies: 17
Views: 1566

Re: Am I getting scammed on my mortgage rate?

Check Costco affiliated mortgage lenders. There's a link right on the Costco website. Great rates. Low fees. I picked a random zip code and input $315,000 purchase price with 12% down. Looks like 30 year rates are at 3.918 with only $275 in lender fees, no points. (Of course, you'll still have to pa...
by Kennedy
Tue Nov 19, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: Getting back into law after 25 years stay-at-home mom
Replies: 18
Views: 1899

Re: Getting back into law after 25 years stay-at-home mom

I'm not an attorney but I'm curious about how you phrased this: there is no reciprocity tied to the other state bars since she hasn't worked in years. Does that imply that there would be reciprocity among the involved states if she had worked, or maybe done some sort of regular continuing education...
by Kennedy
Tue Nov 19, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Getting back into law after 25 years stay-at-home mom
Replies: 18
Views: 1899

Getting back into law after 25 years stay-at-home mom

My sister graduated from law school (and passed two state bar exams) 25 years ago. She worked for only a year or so before starting her family. She's recently talked about going back to work as a lawyer. However, she is now living in a new state in which she is not admitted to the bar and there is n...
by Kennedy
Tue Nov 19, 2019 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Are extra principal payments for commercial mortgage a business expense?
Replies: 4
Views: 533

Are extra principal payments for commercial mortgage a business expense?

This is probably a stupid question, but if I make extra payments to principal for my commercial mortgage note, I'm assuming this is a business expense? I know the interest is an expense, but what about payments made to the principal for a commercial building mortgage?
by Kennedy
Sun Nov 17, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: New Tenant.... possibly
Replies: 28
Views: 1949

Re: New Tenant.... possibly

Yes I do hear some alarms. That's why I posted. I tend to be a little less trusting than many. I hear you. I'm not very trusting either. For me, "no credit history" would be the end of it. I wish you well. I am less trusting than most (in my opinion) as well. I have been a landlord of multiple prop...
by Kennedy
Sat Nov 16, 2019 1:27 am
Forum: Investing - Theory, News & General
Topic: How to hold title to rental properties
Replies: 15
Views: 1404

Re: How to hold title to rental properties

* If you purchase the property initially in your own name and then later deed it to your LLC, two things will happen: The title insurance policy will be void. The transfer of title will trigger the due on sale clause if you have a mortgage * If title is in the name of your LLC and you are personally...
by Kennedy
Sat Nov 16, 2019 1:11 am
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 13349

Re: Best thing you have ever bought?

Robotic floor mop with washable pads (purchased separately). Love it. Keeps my hardwood and tile floors clean with little effort. Highly recommend! https://www.target.com/p/irobot-braava-jet-240-robot-mop/-/A-50760950?ref=tgt_adv_XS000000&AFID=google&fndsrc=tmnv&DFA=71700000059248267&CPNG=PLA_DVM%2B...
by Kennedy
Thu Nov 07, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 65
Views: 5890

Re: Your Fantasy Kitchen (Cookware-wise)

I use my All Clad 13 inch french skillet with lid almost every night. I love it. I have other assorted pieces of All Clad, but I'm just as happy with my pieces from the Kirkland (Costco) collection as well.

https://www.all-clad.com/Cookware/Skill ... 8701004403
by Kennedy
Wed Nov 06, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: How common is ACH fraud on checking accounts?
Replies: 55
Views: 10762

Re: How common is ACH fraud on checking accounts?

I once had several hundred dollars taken out of my checking account to pay a cable bill to a company with which I had never done business. The bank promptly credited my account for the money and told me it was probably the result of someone giving an incorrect account number (mine) to the cable comp...
by Kennedy
Wed Nov 06, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 4104

Re: Wedding gift from brother

...After my sister in law got blacklisted for returns because of shower/wedding gifts, I learned my lesson about picking a gift that is not on the registry. This sounds interesting - who blacklisted her, the store or the relatives? A couple of stores including Walmart. By blacklisted, I mean that s...
by Kennedy
Wed Nov 06, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Fees Waived?
Replies: 54
Views: 5344

Re: Chase Sapphire Reserve - Fees Waived?

I will be attempting to get the $75 fee waived on the 2nd card, saying we don't need the 2nd priority pass. I want the 4.25% equivalent value on dining/travel points redeemed for travel. My Uber card is going bye bye. My wife has the CSR and we decided to simply forego having a second card. I can s...
by Kennedy
Mon Nov 04, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 4104

Re: Wedding gift from brother

OP here. Perhaps I should clarify: My son is college age and his older brother is the one getting married. Obviously, the college age boy doesn't have much money, so his older brother would most likely feel weird with accepting cash from his younger brother. So, I was thinking more about ideas for s...
by Kennedy
Sun Nov 03, 2019 11:38 pm
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 4104

Wedding gift from brother

Looking for ideas for a wedding gift for the couple from the groom's brother. Have you seen any interesting/different ideas? The couple doesn't have any particular hobbies or interests that the two share. Edited to add: My son is college age and his older brother is the one getting married. Obviousl...
by Kennedy
Wed Oct 30, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3294

Re: Unnecessary blood tests

I had a problem where i had to go to a urology center several times and every time I went they wanted a urine sample. Seemed a bit strange to me, especially since my issue could only be tracked via a blood sample which they didn't do at that facility. One time I was there (it was one of those large...
by Kennedy
Tue Oct 29, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Mattress Run in 2015 and 2019
Replies: 91
Views: 15917

Re: Mattress Run: Was it stupid?

Four years later, I have a similar question. I noticed that I need only 1 more night to move from the Marriott Silver status to Gold. I could not fit a night into my planned travel and found a local hotel where I can stay for $67/night, or $75 including tax. This was the lowest rate for the remaind...
by Kennedy
Tue Oct 29, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4818

Re: Women wearing black to a wedding?

RudyS wrote:
Tue Oct 29, 2019 9:32 pm
KlangFool wrote:
Tue Oct 29, 2019 3:45 pm
OP,

Don't assume. Ask the host.

KlangFool
I''ve been reading this thread to DW. She says yours is the best answer she heard.
I'm paying for the wedding, so I guess I'm the host. I say my little black dress is fine. So I guess I'm good. :D
by Kennedy
Tue Oct 29, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4441

Re: California Fires: Landlord/Tenant Question

What if it is an AirBNB short term rental where the owner has a contract with PG&E and offers the place for rent with electricity? The renters have no lights or heat or maybe even water (if on a pump) and elect to shorten their stay. Could they request relief regarding the days they booked which di...
by Kennedy
Tue Oct 29, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4441

Re: California Fires: Landlord/Tenant Question

The tenant should have purchased renters insurance, which would have paid for a hotel room in this case.
by Kennedy
Tue Oct 29, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4441

Re: California Fires: Landlord/Tenant Question

The reasonableness standard, to me here, is, what control does the landlord have over any natural disaster, wildfire, or any decision a power company make due to a wildfire?.... If the answer is none, they have no responsibility to financially compensate the renter. If the landlord screwed up, cut ...
by Kennedy
Tue Oct 29, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4818

Re: Women wearing black to a wedding?

Why do you want to wear black to this wedding? Is the problem that you already have the black evening dress and want to use it (or want to avoid the cost of buying a dress of a different color)? If so, time to go shopping for a new dress that isn't black. Yes, I already have a black cocktail dress ...
by Kennedy
Tue Oct 29, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4818

Women wearing black to a wedding?

I have a close family member getting married. I know traditionally, women didn't wear black to a wedding. I also know people here are going to say, "If you want to wear black, wear black." However, what I want to know is if in fact it isn't uncommon for women to wear black to a wedding. I don't want...
by Kennedy
Mon Oct 28, 2019 12:35 am
Forum: Personal Consumer Issues
Topic: Favorite brand of tofu?
Replies: 7
Views: 726

Favorite brand of tofu?

On a trip to Okinawa, Japan, a restaurant served the most amazing tofu. It was creamy, salty and wasn't like any tofu I'd eaten before. It reminded me of ricotta cheese, but not really. Upon returning to the United States, I visited an Asian grocery store and purchased a few different brands of tofu...
by Kennedy
Sun Oct 27, 2019 11:38 pm
Forum: Personal Consumer Issues
Topic: Roadtrip & Space Camp Huntsville
Replies: 10
Views: 1041

Re: Roadtrip & Space Camp Huntsville

You can save some money if purchased during their Black Friday sale. I think the discount was much larger several years ago, but it still will provide a nice discount. I purchased Space Camp sessions for my kids when they were early teenagers. I surprised them with it. They weren't happy, and I requ...
by Kennedy
Sun Oct 27, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: Using a windmill to power a water well pump
Replies: 7
Views: 833

Using a windmill to power a water well pump

Has anyone here used a windmill/wind turbine to power a water well pump? Wondering about the pros and cons as well as general questions. Specifically, I'm wondering how close the windmill needs to be to the well and to the house. Also, is this a practical solution to irrigate crops that are perhaps ...
by Kennedy
Fri Oct 25, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: Directv Keeps Adding Protection Plan without My Consent
Replies: 7
Views: 746

Directv Keeps Adding Protection Plan without My Consent

There have been four times in the last several years where Directv added on the $8.99 per month protection plan (insurance) without my consent. Each time it was after a technician had come out for either a free service or one that I had paid for. I was never informed I was being enrolled in this and...
by Kennedy
Thu Oct 24, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking a 30 Year Fixed Rate Mortgage
Replies: 4
Views: 897

Re: Seeking a 30 Year Fixed Rate Mortgage

Check Costco's affiliated lenders. If an executive member (think it's $120/year), the lender's fees are capped at $275. They always have great rates. I've used them several times. Right now, with 25% down on a home valued at $400,000, one their lenders is quoting a 3.6% 30 year loan with lender's fe...
by Kennedy
Thu Oct 24, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: How to Know if an Old House is Reasonably Beyond Repair
Replies: 30
Views: 2615

Re: How to Know if an Old House is Reasonably Beyond Repair

OP: some responses to the responses would be helpful. Also, more information as requested by some. j :happy Sorry about the delay. I very much appreciate everyone's insight. Just to answer some questions... We are essentially interested in the property for the land that has appropriate zoning or is...
by Kennedy
Wed Oct 23, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: How to Know if an Old House is Reasonably Beyond Repair
Replies: 30
Views: 2615

How to Know if an Old House is Reasonably Beyond Repair

A large lot I'm considering buying has an old, two story 1400 sq feet farm house that is around 60 years old. It does not have a cement foundation. Instead, it was built on a piling foundation. The house appears, to a non-expert like me, to need a total overhaul, but I can't say whether I would be b...
by Kennedy
Thu Oct 17, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: SodaStream: a good replacement for Costco Kirkland sparkling water?
Replies: 25
Views: 3063

Re: SodaStream: a good replacement for Costco Kirkland sparkling water?

I noticed there are at least 3 different types of Sodastreams that are sold. Two are manual, but one of these has a CO2 gauge (I think), and the third is electric with just one button to push for consistent carbonation. Which do you recommend?
by Kennedy
Thu Oct 17, 2019 12:40 am
Forum: Personal Consumer Issues
Topic: SodaStream: a good replacement for Costco Kirkland sparkling water?
Replies: 25
Views: 3063

SodaStream: a good replacement for Costco Kirkland sparkling water?

Our family goes through 3 or 4 Costco Kirkland brand sparkling waters a day. That stuff is awesome!

My spouse suggested we look into a SodaStream. Any input as to if the taste is comparable to the Kirkland version? How long does the fizz last once it's made? Worth it?
by Kennedy
Wed Oct 16, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 7220

Re: car battery change or not? 2 year old battery

I suppose if it would be easier to prove intent, more people would sue mechanics for fraud. A couple years ago, I noticed a large puddle of fluid on my garage floor underneath the engine area of my car. Took it in to the local mechanic who called me later and said I needed a new water pump. In the m...
by Kennedy
Mon Oct 14, 2019 12:04 am
Forum: Personal Consumer Issues
Topic: Business deduction: How to deduct mortgage interest for business when loan is in personal name?
Replies: 3
Views: 441

Business deduction: How to deduct mortgage interest for business when loan is in personal name?

I'm thinking about buying some acreage upon which to build a business to use as a commercial project. This does not in any way involve marijuana, in case this question is raised. (This isn't a "home-based business" as customers will come to a commercial building on the property to conduct the busine...
by Kennedy
Mon Sep 30, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: "Different" things to do in Tokyo
Replies: 20
Views: 2075

Re: "Different" things to do in Tokyo

I have a four day trip to Tokyo planned for this fall. I've been there before and done all the usual touristy things. I'm looking for suggestions for off-the-beaten-path kind of things to do and see in Tokyo. You know- the things that are not in top 20 lists. Perhaps a day trip from Tokyo? (I've al...
by Kennedy
Mon Sep 30, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Florida black ants on lanai
Replies: 6
Views: 611

Re: Florida black ants on lanai

I'd try Terro liquid as always for any ants. Amdro is likely to work as well for all ants. I keep Terro in the fridge so that it doesn't spoil (oxidize) and use it as needed with great success. Good idea regarding keeping Terro in the fridge. I'm going to do that. I've noticed that the clear liquid...