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IMO

We've had both laminate and ceramic/porcelain tile in various homes, and I would never choose laminate again. Its water resistance is poor; unless surface water is dried in fairly short order, the seams will swell up permanently. Almost any water getting under it will ruin it. And tile is far more ...

IMO

Volcano, Hawaii. 50 degF at night and 80 in the daytime. Nice. I love jacket weather. I do not live there, but I want to go back and stay for a while. Waimea (Big Island) is a close second. I think the solution, at least for the FI crowd, is to snowbird or reverse-snowbird, depending on your prefer...

IMO

I don't get the rental property in your situation. A $500K mortgage and your netting $500/month after expenses (normal expenses I should add, not counting unforeseen expenses I suspect). I'm presuming rental is not in same area (back in Texas?). If it's in same area, then just move into your rental....

IMO

I don't know if you can also determine/shop for how long it will take for one's mortgage to close. Were doing a refinance with Navy Federal, and we're going on 4 months and still haven't closed (and we've provided any documents asap when requested). Not sure if that's a common problem? Maybe start n...

IMO

Yes, it works. You can't manage what you don't measure. Just writing down what you eat (and the calories) can help you "budget" a diet and lose weight. It works the same with your money expenditures. The act of paying attention to it gives you more ability to make higher minded choices to...

IMO

Anyone in your house use a lot of thick hair conditioner in the shower? Some hair conditioners can cling as a gelatinous mass inside the PVC pipe and will darken with mold if not cleaned out periodically. I have no idea what the previous owner used or did in the shower. I can’t say that I ever paid...

IMO

[quoted post removed by admin LadyGeek] https://www.trinitybuildingsystems.com/education-center/lumber-pricing-2021-reality/ From the article: What Did Disdero Lumber Co. Say About Lumber Pricing In 2021? When we consulted Disdero Lumber in Portland, Oregon, to discuss Lumber Pricing’s outlook in 2...

IMO

Looked into "water resistant" laminates and other floorings when I replaced floors in multiple homes. Have done full LVP throughout and LVP with existing tile left in places like kitchen, bathrooms and entry. I do not think the concept of water resistant is really sufficient to protect fro...

IMO

I think I drove longer than the OP on an even lower-inflated tire....and as I finally got off the highway onto the shoulder the tire (rear, 16000 miles on it) was half off the rim (but it seemed to have come off only as I was slowing down and turning onto the shoulder..that's when I felt all the ru...

IMO

We bought one of those big swing/play sets you can get from Costco/Sam's Club. Went through the whole process of building it, finding each piece/right hardware. Unfortunately, it just didn't get used much at all by our kid. It did end up being a sort of dog house the dogs used for shelter from the s...

IMO

While I expect costs will rise, I'm very discouraged by the degradation of the vacation experience I was seeing (i.e. pre-covid, before travel shut down.) From cruise ships to theme parks to natural monuments and parks, felt like so many services/little touches were disappearing; crowds/congestion ...

IMO

I use Synthetic AMSOIL Signature series($$$) 0W-20, it says on the bottle 25k miles or 1 year whichever comes first, our Toyota & Lexus cars have not had any engine problems so far. I have never driven 25k miles in a year, so I get the AMSOIL changed yearly. That's overkill. Low mileage drivers...

IMO

How often are you rotating your tires? The wear-leveling benefit of rotating tires is you usually end up replacing all 4 tires at the same time. I’ve always preferred this outcome by rotating every ~10k miles. Every 5k miles. I bought the vehicle CPO and the dealer had 2 worn tires replaced with ne...

IMO

I doubt this will matter with medical health insurance, but we had overlapping dental insurance not too long ago. Thought it would be nice to get 2x the cleanings since we had the insurance. The extra cleanings in our situation would not get covered since we had one within 6 months :oops Then sched...

IMO

My wife and I will be retired at month's end. We have rented a home out west for 5 months starting in the Fall. We have lined up someone to keep an eye on the house, drive the cars, etc., but I'm wondering how others have handled their mail and paying bills back home while away for an extended peri...

IMO

Okay, I'm posting what I feel is real time/accurate data . Area is a very desirable community in Phoenix, all homes were sold in February 2021, and all zillow data is recent that included the recent sale. Homes are all tract homes so no odd outliers: List Price/ Sold Price / CURRENT Zillow estimate ...

IMO

While this is fun to look at, does anyone really make decisions based off of it? Unless you're planning to downsize significantly don't you have to live somewhere? If your house is high in value then it's likely the house you're buying is also unless you're planning to move far away. One commenter ...

IMO

Not sure about other states, but one can self-order and self-pay many common lab tests in Arizona. While this won't get the actual physical part of the exam, it provides significant information. There are even whole body MRI's than one can have done if one self-pays. Provides much more detail than a...

IMO

I know for sure that batteries don’t last nearly as long in hot and dry climate. If you happen to live in a hot and dry area, make sure you purchase extended warranties on batteries. The likelihood of using the extended warranties is very high. I learned that when I moved to Arizona and was having ...

IMO

If you're going this route, why note just purchase 1/4 of the unit? That would be 1/4 of $500K price ($125K), 1/4 of $2000 month fees ($500/month or $6000 yr), and probably fit better into actual use of this 2nd home/vacation property. Why worry about having to rent out the other time? Is that not a...

IMO

Is there is specific science behind the 1 year interval? I understand the thought of condensation, but isn't the oil in an essentially closed system? What's somewhat odd is that for a typical wakeboard boat, the manual says to change the oil BEFORE winter storage. Shouldn't that instead be done 1st ...

IMO

OP, it is a difficult question. I am looking at it for a home and trying to determine if it does or doesn't make sense. Are you on APS up in Prescott? If so, you need to make sure you look at the pricing plans that are required for solar. Those plans make it more difficult to determine if investing ...

IMO

Before the lock, check the cdc recommended post vaccination behavior. https://www.cdc.gov/coronavirus/2019-ncov/vaccines/fully-vaccinated.html As I said, this is not a thread seeking medical advice. Yes, the post isn't asking for specific medical advice to treat a medical condition, it would be sim...

IMO

Folks, Unless we have extreme population increase, people are moving from place A to place B. So, if place B is booming, then, place A is going down. If we agree that real estate in some place is booming and where people moving from is busting. Where do those people move from? It is within the USA....

IMO

Costco. If you ever are not happy with the much you can bring it all back and get your money back . . . .

IMO

I would never spend the money on it. All my friends that have them spent a ton of money and have a lot of problems. I've had my 2-40 gallon tanks for 16 years. ZERO problems and they are fairly efficient too. I've been seriously considering a tankless (natural gas) to replace our aging tank heater....

IMO

I am seeking outside perspective on a vehicle scenario I have been presented with. I have the opportunity to purchase a 5 year old truck valued at 35k for 5k (approximately 85% off). The truck is well maintained and will last for many years. It has a gas guzzling motor and averages approximately 13...

IMO

My family member got in contact with a real estate agent that buys as is homes. They are offering her $400k if she makes a commitment not to sell the house to anyone else. They would give her $50k as downpayment and pay the rest of the house in summer 2022. It is an old house that needs to be torn ...

IMO

OP, on one hand, your post is kinda funny. It made me curious, adjusting for inflation, how have Disney World (or Disneyland) tickets fared compared to inflation? So back in the good old days, you would go to Disneyland and buy ticket books (including the 1st "E ticket" well ahead of the i...

IMO

I suspect in 1-2 yrs there will be a glut of post-pandemic bought RV's/trailers on the market. If someone can't keep it at their own property, they will quickly find how expensive storage is and start selling off.

IMO

I think ultimately, only getting an audit by the IRS could tell you how the money should have been considered between a gift vs. rental income. I think it does sound more like a gift. You let him stay for free without any rental agreement and without any expectation of being financially compensated....

IMO

OP, good news is you are only 32. Even at a typical retirement age of 62, you have 30 yrs left to both live and save. But your question really is a good question. Many good answers given to you, and so my answer is probably just repetitive. Balance is key. As you've seen with your father, the concep...

IMO

Aside from any specific MC benefits from any difference in the terms, if one is not actually going to stop working and retire from working, there can be connotation differences when looking for one's next job. If someone says they retired from a job it implies they worked a required number of years ...

IMO

Also as some people have indirectly explained, you have to pay tax on depreciation you could have taken, whether or not you actually took it. I think many people do not understand that it doesn't matter if you did or didn't depreciate the property when it was a rental, you still must pay tax on the...

IMO

Prior to this current housing situation (call it what you want), the typical advice for anyone moving to a new area/new job is to rent 1st to make sure you are happy with the new job and the new location. From what I understand, one should expect significant differences between your current location...

IMO

In many urban areas it is illegal to build the kind of house that would be affordable. In urban areas people may want to just get a 3br/2ba in a walkable neighborhood, but the cheapest 3br they can find is over a million dollars. I see this in my neighborhood where young families will stay in the c...

IMO

Ok, maybe this will help. Green area is our unit, blue is our neighbor's unit (hopefully new neighbors will be a nice as they are). http://images.opensent.net/roofline.jpg http://images.opensent.net/roof.png I'm 80% in the new roof camp at this point. One complicating factor is that we have tenants...

IMO

Do you mean full time in multiple years vs. say for a year? Even if you made a deal with the owner of an AirBnB for a longer term stay like a year, it seems like it would be more expensive than finding a nicer apartment and buying/renting some inexpensive furnishings. I probably wouldn't stay in th...

IMO

Do you mean full time in multiple years vs. say for a year? Even if you made a deal with the owner of an AirBnB for a longer term stay like a year, it seems like it would be more expensive than finding a nicer apartment and buying/renting some inexpensive furnishings. But it's always worth it to ask...

IMO

We have a serious housing shortage in many/ most decent size housing markets in this country. This is all the outcome of 2007-2010 oversupply crash. Home building over-corrected as result of that crisis..... and never ramped up to account for population growth over the last decade. Many reasons for...

IMO

It's quite funny that, in this forum, people always say SP500 is not in a bubble or you can't time the market or it is perfectly OK to buy at all time high or just stay the course; but when it comes to the real estate, people say it is clearly a bubble and you just need to wait for the price to go ...

IMO

2008 was about FOMO (about the massive change in expectation of housing prices). I am currently having FOMO also. I live in a HCOL area make decent but not amazing amount of money. The most I can afford (even with a decent down payment) in a nice area is a 1 bed 1 bath condo. Anything more than and...

IMO

Not receiving a credit is not the same as having your taxes increased. I guess psychologically it's different (those politicians are clever...). Let me put it this way: if I give you $10 and then you give me back $2, is that different from me just giving you $8 instead? You're claiming it is. I wou...

IMO

This seems eerily reminiscent of 2008. People taking loans to the max, no equity in homes, no EF, etc. This market has one huge difference: the buyers are valuing the homes for their housing, not for their appreciation potential. Sellers aren't going to feel the need to dump their property and buye...

IMO

I've been looking for a home in a VHOL area for over 6 months. In this market prices went up 37% in the last 12 months. One home I encountered is in the $4M range assuming no major flaws. It has been rented since 2012. The occupant has been taking advantage of the do not pay rent rules. The owner r...

IMO

Sorry if this is a stupid question. I live in AZ and prices for single family homes are up 10-20% and are flying off the market. Sure the low interest environment and lack of inventory and the mortgage moratorium are contributing, but why isn't this driving up inflation? Based on what you wrote, th...

IMO

We will follow and respect all guidance and will wear masks as required. Well, CDC is not recommending non-essential travel yet, vaccinated or not. (I realize plenty of states are actively advertising to welcome travelers despite this.) So you mean you'll follow some of the guidelines if you travel...

IMO

OP, welcome to the new normal. While significant injuries can/do occur obviously with a MV accident, the new normal is for people to sue because everyone wants some easy cheese. Poster on this site will jump on me because I believe most personal injury lawsuits are bs (which is what your implying ri...

IMO

With that set-up, I would just look at having that section re-done properly with a plumber. But since you're already paying a plumber, I'd add in the following: a. Especially if you live in a climate that could potentially freeze (think recent Texas issue), I'd have an additional valve/drain-out plu...

IMO

We live in a densely populated suburb (40,000+ residents) that tends to lose power a couple times per year. At worst, we lost power for 2 days. This was a few years back during a major winter storm. Average is 2-3 hours with power out. This bothers me more now that we converted to natural gas with ...

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