Search found 2876 matches

by rgs92
Fri Apr 16, 2021 2:19 pm
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1268

Re: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

To: Iamlucky13 : Wow, thanks for going to the trouble of writing all that information just for me. I owe you a beer or lunch or something!
Best to you.
by rgs92
Fri Apr 16, 2021 2:15 pm
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1268

Re: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

Californiastate wrote: Fri Apr 16, 2021 10:58 am I wouldn't have a problem installing a quality macerating system. It's like anything else. You buy crap and all you ever have is crap.
What's that? Like a garbage disposal for a drain? 'never heard of that, but it sure sounds like a good thing. Any examples of such a thing?
Thanks for the tip!
by rgs92
Fri Apr 16, 2021 10:46 am
Forum: Personal Consumer Issues
Topic: Painting Vinyl Siding
Replies: 13
Views: 754

Re: Painting Vinyl Siding

FWIW, I painted aluminum siding (using a good painting company) a couple of times and it turned out great both times. Looked fine and lasted many years. I don't see why vinyl should be any more difficult or cause any more problems, but I'm just guessing here.
by rgs92
Fri Apr 16, 2021 10:42 am
Forum: Personal Consumer Issues
Topic: Replacing French Doors (many glass panes) with regular doors?
Replies: 7
Views: 342

Re: Replacing French Doors (many glass panes) with regular doors?

HomeStretch wrote: Fri Apr 16, 2021 10:23 am Buy a solid wood door rather than a hollow core door for less sound transmission.
Good suggestion. I did not think of this. 'appreciate it.
by rgs92
Fri Apr 16, 2021 10:40 am
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1268

Re: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

Thanks everyone for the pretty good news on this front.
Best to everybody.
by rgs92
Fri Apr 16, 2021 10:11 am
Forum: Personal Consumer Issues
Topic: Replacing French Doors (many glass panes) with regular doors?
Replies: 7
Views: 342

Replacing French Doors (many glass panes) with regular doors?

So how hard or expensive is it to replace interior French Doors (the kind that are full of cross-hatched glass panes) with normal doors (with no glass)? (For some reason, we see houses with these doors on many rooms, like bedrooms, and it seems odd to me.) Any tips on what kinds of doors to buy or w...
by rgs92
Fri Apr 16, 2021 10:05 am
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1268

Re: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

Big Thanks for everyone's quick comments. Are there any specific brands of pumps or any design/installation guidelines? As far as related sewer issues, do these systems make extra demands on sewer pipes? In my house that I had in NJ for many years, I had to do sewer pipe work many times, involving i...
by rgs92
Fri Apr 16, 2021 9:31 am
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1268

Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

I am seeing houses with finished basements (walk-outs, not much below grade) with full bathrooms that use ejector pumps to function. Do these bathrooms work well? What maintenance is involved? Are there better and worse Ejector Pumps? (Any recommendations are appreciated.) These are houses served by...
by rgs92
Tue Apr 13, 2021 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Any1 use home insurance by GUARD/Berkshire Hathaway ?
Replies: 13
Views: 629

Re: Any1 use home insurance by GUARD/Berkshire Hathaway ?

Thanks talzara for all that good information and that research, too. I appreciate it. So I think I may well head over to State Farm for Homeowners insurance. (I used to use them anyway, and they were fine.)
by rgs92
Tue Apr 13, 2021 6:35 pm
Forum: Investing - Theory, News & General
Topic: Beginning to evaluate the holdings of Vanguard Target Retirement Funds
Replies: 138
Views: 8238

Re: Beginning to evaluate the holdings of Vanguard Target Retirement Funds

I think the best approach to the OP's issues (and the questions about the expense ratios) would be to put most of your money in Vanguard Balanced Index (VBIAX, ER= .07%) and just enough in Vanguard International index (VTIAX, ER= .11%) to have just the right allocation of that you want. This also av...
by rgs92
Tue Apr 13, 2021 2:28 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 255
Views: 25268

Re: High spenders what do you spend on?

Good Long Term Care insurance can be a huge budget item. And in many areas, property taxes. Having both of these expenses can be an elephant in the room. Technically these are not mandatory expenses, but you might have to move or just take your chances on getting old and not needing any care. So it'...
by rgs92
Tue Apr 13, 2021 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Any1 use home insurance by GUARD/Berkshire Hathaway ?
Replies: 13
Views: 629

Re: Any1 use home insurance by GUARD/Berkshire Hathaway ?

No it just says GEICO when you ask for a Home Insurance quote. I never heard of Guard until now when I saw this thread. Strange. Is it some discount subsidiary they bought? It seems odd that they would have 2 separate Home Insurance companies. GEICO has constant TV commercials telling you to bundle ...
by rgs92
Tue Apr 13, 2021 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Any1 use home insurance by GUARD/Berkshire Hathaway ?
Replies: 13
Views: 629

Re: Any1 use home insurance by GUARD/Berkshire Hathaway ?

So is all Home Insurance from Berkshire Hathaway (GEICO) coming from this GUARD company? I was about to switch to GEICO for my home insurance to get the bundling discount because my car insurance is with GEICO. Is this a bad idea? Thanks.
by rgs92
Tue Apr 13, 2021 11:49 am
Forum: Personal Finance (Not Investing)
Topic: $1.5 million home - what % down?
Replies: 7
Views: 922

Re: $1.5 million home - what % down?

I didn't know such low rate on a jumbo loan was available. Interesting. I have not found anything close to that in my searching.
by rgs92
Tue Apr 13, 2021 11:42 am
Forum: Personal Investments
Topic: Vanguard Target Date Funds Question
Replies: 18
Views: 2315

Re: Vanguard Target Date Funds Question

Adding to Dbr's comments, I too was wondering about Vanguard's Target funds oddly high allocation to the International Bond Market. Why not just use Total Bond Market instead? (I do note that International Bonds often have negative yield, but that would be market timing, but still, why have a target...
by rgs92
Thu Apr 08, 2021 1:32 pm
Forum: Personal Consumer Issues
Topic: Shoe Choice for a Walker
Replies: 33
Views: 2692

Re: Shoe Choice for a Walker

I love and highly recommend the Saucony Triumph 18. I just mentioned them in another thread today. ["walking shoes with wide toes?]" I said this in the other thread: Saucony Triumph 18. I also need a wide toe box to prevent my toes from rubbing against the shoe. I tried a lot of major bran...
by rgs92
Thu Apr 08, 2021 1:18 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 48
Views: 2938

Re: walking shoes with wide toes?

Saucony Triumph 18. I also need a wide toe box to prevent my toes from rubbing against the shoe. I tried a lot of major brand shoes and for some reason I fell in love with these and tend to use them all the time, and I walk a lot. Incredibly comfy and addicting. I have 2 other kinds of Saucony shoes...
by rgs92
Fri Apr 02, 2021 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on condo purchase in Manhattan
Replies: 24
Views: 3911

Re: Advice on condo purchase in Manhattan

Can I suggest that he should look into a type of place known as the "White Brick Buildings" (which date back to the 1950s and 60s)? There are many of these towers and they tend to give you a lot of basic value for the money, such as larger rooms, solid and relatively modern construction (c...
by rgs92
Sun Mar 28, 2021 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Single Mom - Home purchase ?
Replies: 40
Views: 3288

Re: Single Mom - Home purchase ?

Sure and good luck (I added a few things in an edit of my comment just now after it was quoted). Best to you. Just to note, I think there is a good chance you will find a lot to appreciate in your new area. Just a guess. Good luck again. Moving to new area is hard at first, I know.
by rgs92
Sun Mar 28, 2021 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Single Mom - Home purchase ?
Replies: 40
Views: 3288

Re: Single Mom - Home purchase ?

I would buy. Being out of the real estate market for 6 years is a big risk if you plan to ever buy in the future, just like being out of the stock market for a long time is a risk. You need exposure to avoid being priced out if the market goes up. If it goes down, well, you will be buying low anyway...
by rgs92
Sat Mar 27, 2021 9:52 pm
Forum: Investing - Theory, News & General
Topic: cFIREsim has been revised and is super easy to use.
Replies: 186
Views: 16000

Re: cFIREsim has been revised and is super easy to use.

Thank you Lauren, that's good to know. All the best to you.
by rgs92
Sat Mar 27, 2021 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5 mil house with 5 mil net worth, too much?
Replies: 74
Views: 8488

Re: 2.5 mil house with 5 mil net worth, too much?

Look at it this way. You are not tossing away the money on something extravagant like expensive cars or vacations that depreciate quickly (or go to zero immediately like in the case of travel). You are trading money for home equity. And while it may not be as lucrative as the stock market in terms o...
by rgs92
Sat Mar 27, 2021 8:43 pm
Forum: Investing - Theory, News & General
Topic: cFIREsim has been revised and is super easy to use.
Replies: 186
Views: 16000

Re: Cfiresim has been revised and is super easy to use.

OP here. Just a thought. I know people keep asking for extra features, but, like the Google home page, the value is in its clean simplicity. So maybe it owes its appeal and value to the fact that it strikes the perfect balance of clarity and versatility. Adding much more might make it unwieldy and i...
by rgs92
Mon Mar 22, 2021 7:39 pm
Forum: Personal Consumer Issues
Topic: Digital Music/Audio Makeover
Replies: 27
Views: 1775

Re: Better Audio

Start with new speakers — https://www.bowerswilkins.com/home-audio/800-series Starting at $4K/pair - for passive speakers only, no source and no amplification. The 800 series was legendary. They are still good speakers, but there are now far more competitors in that price range. They do also make t...
by rgs92
Mon Mar 22, 2021 7:31 pm
Forum: Personal Consumer Issues
Topic: Digital Music/Audio Makeover
Replies: 27
Views: 1775

Re: Digital Music/Audio Makeover

I take it from this discussion that there is no way to ‘simply’ rip CD’s to Flac format, transfer the files to an iPhone and create a music library, and then stream as desired to Sonos. Am I right? Must the process involve some external networking/storage hardware? It's easy as pie. One super easy ...
by rgs92
Mon Mar 22, 2021 12:01 pm
Forum: Personal Consumer Issues
Topic: Digital Music/Audio Makeover
Replies: 27
Views: 1775

Re: Digital Music/Audio Makeover

I take it from this discussion that there is no way to ‘simply’ rip CD’s to Flac format, transfer the files to an iPhone and create a music library, and then stream as desired to Sonos. Am I right? Must the process involve some external networking/storage hardware? It's easy as pie. One super easy ...
by rgs92
Fri Mar 19, 2021 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to generate on-demand Ally Bank Statement?
Replies: 1
Views: 290

How to generate on-demand Ally Bank Statement?

So it appears that you cannot generate an Ally Bank statement showing your current balance with your name and the current date. You need to do a screen print that looks bad with some part cut off. Is there any way to do it? I called Ally, and they suggested calling them and they will email it a day ...
by rgs92
Thu Mar 18, 2021 3:51 pm
Forum: Investing - Theory, News & General
Topic: cFIREsim has been revised and is super easy to use.
Replies: 186
Views: 16000

Re: Cfiresim has been revised and is super easy to use. (It's based on Firecalc)

Is it really based on Firecalc as the thread title says? I wasn't aware it is. OP here. Since "based on Firecalc" is not completely accurate (which I have learned from reading the responses), I have removed this comment from the title. But the spirit of my title is still intact, and I sti...
by rgs92
Thu Mar 18, 2021 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10224
Views: 735007

Re: Refinance Mega Thread

Would a 3% $548,000 fixed 30-year mortgage be worth refi'ing if I was planning on keeping it a long time? Any suggestiosn are welcome.
by rgs92
Tue Mar 16, 2021 10:34 pm
Forum: Investing - Theory, News & General
Topic: cFIREsim has been revised and is super easy to use.
Replies: 186
Views: 16000

Re: Cfiresim has been revised and is super easy to use. (It's based on Firecalc)

Wow, that's awesome. It's an honor to respond to you.
If I was a hiring manager at a FAANG company I'd recruit you in a heartbeat.
The ability to distill useful information into a clear interactive format that is easy to use and understand is rare talent. cFiresim is real work of art.
Best of luck.
by rgs92
Tue Mar 16, 2021 11:40 am
Forum: Personal Investments
Topic: Fidelity fees FZROX
Replies: 4
Views: 650

Re: Fidelity fees FZROX

lazynovice wrote: Tue Mar 16, 2021 11:15 am They should not. Fees are usually assessed when you buy not sell. If you go to the order screen, you should be able to preview the order and see if they apply a fee before executing it.
Just to confirm, this is correct. There are no fees for selling any fund, NTF or otherwise.
by rgs92
Fri Mar 12, 2021 11:36 am
Forum: Investing - Theory, News & General
Topic: cFIREsim has been revised and is super easy to use.
Replies: 186
Views: 16000

Re: Cfiresim has been revised and is super easy to use.

Cfiresim is more optimistic than firecalc. Interesting. I was under the impression that they were both based on the same underlying historical data and used the same algorithm and formulas when based on the same input data. So I'd be curious about why this is true. Thanks for the heads-up Dottie. I...
by rgs92
Fri Mar 12, 2021 10:46 am
Forum: Investing - Theory, News & General
Topic: cFIREsim has been revised and is super easy to use.
Replies: 186
Views: 16000

Re: Cfiresim has been revised and is super easy to use.

Sure, port-vis, i-orp, and even full Firecalc itself are more comprehensive, but this was an alert for those who might not normally do their own analysis because they are nervous about complexity or difficulty, and still want something that provides a good handle of where they stand for retirement w...
by rgs92
Fri Mar 12, 2021 8:31 am
Forum: Investing - Theory, News & General
Topic: cFIREsim has been revised and is super easy to use.
Replies: 186
Views: 16000

cFIREsim has been revised and is super easy to use.

I just wanted to alert people here that Cfiresim's user-interface has been completely redone so it is now extremely clear and easy to use. Anyone can use it easily. So if you are new to this or intimidated by financial software or even personal investing in general, I encourage you to give it a try....
by rgs92
Thu Mar 11, 2021 9:20 pm
Forum: Personal Consumer Issues
Topic: Audio Receiver Recommendations
Replies: 49
Views: 3478

Re: Audio Receiver Recommendations

Read through the Sound and Vision magazine reviews: https://www.soundandvision.com/category/av-receiver-reviews I would consider the Cambridge Audio AXR100 for $500. I have a few of their DVD players and they are excellent and very solid performers are well engineered and built like a rock. Cambridg...
by rgs92
Thu Mar 11, 2021 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house now has turned into an auction. How to approach it?
Replies: 61
Views: 7066

Re: Buying a house now has turned into an auction. How to approach it?

Thanks to everyone for all the comments and advice. At least I can console myself that I have a healthy enough financial asset base that a house would just be one leg of my financial platform (although it still stings to be in this position). But I feel great sympathy for those for whom a house they...
by rgs92
Thu Mar 11, 2021 6:25 pm
Forum: Personal Investments
Topic: Would you hold 100% of fixed income allocation in TIAA traditional?
Replies: 14
Views: 1181

Re: Would you hold 100% of fixed income allocation in TIAA traditional?

And a related strategy is using a stable-value fund from a 401K (or similar limited-access vehicle) for your fixed income allocation. But this is essentially timing the bond market / interest rate environment, so I would have some regular total-bond-market exposure just on principle.
by rgs92
Thu Mar 11, 2021 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house now has turned into an auction. How to approach it?
Replies: 61
Views: 7066

Re: Buying a house now has turned into an auction. How to approach it?

Is this kind of what happened in the major west coast cities and maybe New York (the super-cities) over the last 20 years?
by rgs92
Thu Mar 11, 2021 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house now has turned into an auction. How to approach it?
Replies: 61
Views: 7066

Re: Buying a house now has turned into an auction. How to approach it?

Yep, Lexx, I really do feel like this is like the dot-com frenzy 20 years ago.
by rgs92
Thu Mar 11, 2021 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house now has turned into an auction. How to approach it?
Replies: 61
Views: 7066

Buying a house now has turned into an auction. How to approach it?

So, when we look at a house now, we are told they are accepting offers, and they will consider all these collected offers at some particular day a few days in the future. And each offer is a contract you sign where, if the sellers sign it, you have an executed contract and you are committed. And you...
by rgs92
Thu Mar 11, 2021 8:34 am
Forum: Personal Investments
Topic: Help please. Being forced to retire early..
Replies: 87
Views: 10083

Re: Help please. Being forced to retire early..

Do not roll over the AT&T 401K. The stable value fund pays about 2.4%, and you can't get a return on cash like that anywhere. And just use the index funds in there for a 3-fund portfolio, using the stable value as the fixed-income position. The expense ratios are extremely small, just a few basi...
by rgs92
Wed Mar 10, 2021 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Listing Realtor asking me to have mortgage lenders call her directly.
Replies: 85
Views: 6507

Re: Listing Realtor asking me to have mortgage lenders call her directly.

OP here. The realtor gave me a contact of someone at a local mortgage broker. I looked up this place on Yelp and they had awful reviews. I just backed out of the whole thing. She said "they can help me." And I was thinking I don't need any help getting a mortgage from the major lenders com...
by rgs92
Wed Mar 10, 2021 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Listing Realtor asking me to have mortgage lenders call her directly.
Replies: 85
Views: 6507

Re: Listing Realtor asking me to have mortgage lenders call her directly.

Thanks everyone. Yep, I am thinking of contacting the owner, but I am nervous about getting some sort of reputation as a difficult person. There is really not much else to the story. I saw the home online, called the "showing contact", had a nice conversation with the the realtor, sent her...
by rgs92
Tue Mar 09, 2021 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Listing Realtor asking me to have mortgage lenders call her directly.
Replies: 85
Views: 6507

Re: Listing Realtor asking me to have mortgage lenders call her directly.

She actually told me she does this with all buyers, even those that are represented with their own realtor. She says everyone must have their own personal lender she can talk to. She says this will be needed no matter what. And I am putting close to 30% down and told her that. The pre-approval lette...
by rgs92
Tue Mar 09, 2021 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Listing Realtor asking me to have mortgage lenders call her directly.
Replies: 85
Views: 6507

Re: Listing Realtor asking me to have mortgage lenders call her directly.

If you have a pre approval letter, I don’t see why she needs anything else to make an offer. Is it actually pre approval as opposed to pre qualified? If you are only pre qualified, I can see why the realtor needs more. https://www.investopedia.com/articles/basics/07/prequalified-approved.asp These ...
by rgs92
Tue Mar 09, 2021 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Listing Realtor asking me to have mortgage lenders call her directly.
Replies: 85
Views: 6507

Re: Listing Realtor asking me to have mortgage lenders call her directly.

Yep, I guess I could just have Redfin make an offer pretty easily. Thanks.
by rgs92
Tue Mar 09, 2021 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Listing Realtor asking me to have mortgage lenders call her directly.
Replies: 85
Views: 6507

Listing Realtor asking me to have mortgage lenders call her directly.

So the listing realtor is collecting offers for a house and I supplied her with current pre-approvals letter I have from big lenders (like Better.com and a lender I got through Costco mortgage services . I said that these national lenders won't call her, they are big financial institutions. So she s...
by rgs92
Tue Mar 09, 2021 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Renting for life - a bad idea?
Replies: 156
Views: 11724

Re: Renting for life - a bad idea?

Having a paid-off house may not be as valuable as is seems. You are only free of the Principal and Interest. So if that is, say, $2000/month, that's like a $400,000 SPIA (fixed annuity). Sure, that's a big chunk of money, but is it really that big a difference when you need a retirement portfolio of...
by rgs92
Tue Mar 09, 2021 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sell the Big House or Keep?
Replies: 45
Views: 5024

Re: Sell the Big House or Keep?

mceagle555 wrote: Tue Mar 09, 2021 3:45 pm
- Zillow estimate has gone up to $845k since I bought it
- Zillow projection is for house to be worth $906k in a year

Thoughts?
Is a Zillow projection any better than a stock market prediction for 1 year?
And are Zestimates that accurate too?
by rgs92
Sun Feb 28, 2021 11:12 am
Forum: Investing - Theory, News & General
Topic: Looking at the Dodge & Cox family performance relative to its own benchmarks
Replies: 44
Views: 4663

Re: Looking at the Dodge & Cox family performance relative to its own benchmarks

What stands out here is that a value-oriented approach has greater volatility and higher drawdowns.
Isn't the opposite supposed to be true?

I thought growth funds were generally more volatile.