Search found 1066 matches

by jminv
Sun Jan 10, 2021 3:33 am
Forum: Personal Consumer Issues
Topic: Regrets postponing retirement too long?
Replies: 171
Views: 15778

Re: Regrets postponing retirement too long?

My father, for one. He never did retire, despite being able to do so and becoming less and less happy with work. Before he passed, I was encouraging him to retire. He was very happy when he wasn't at work, with family, pursuing his hobbies which included writing, and on vacation. I wish he had gotte...
by jminv
Sun Dec 27, 2020 6:44 am
Forum: Personal Consumer Issues
Topic: Alaska Flight costs (maybe flights generally)
Replies: 27
Views: 2354

Re: Alaska Flight costs (maybe flights generally)

Prices haven't dropped on many routes. They've increased prices on some where other carriers reduced flights or are trying to hold pricing even with empty seats. My US flights this year have been disappointingly expensive. It's the same on some international routes - we paid about twice as much for ...
by jminv
Sun Dec 27, 2020 6:36 am
Forum: Personal Consumer Issues
Topic: Check my steps: U.S. to Europe cell phone plan switch
Replies: 25
Views: 1449

Re: Check my steps: U.S. to Europe cell phone plan switch

When we are back in the U.S. to visit occasionally: * Buy U.S. prepaid SIMs or short-term plans (can I buy these ahead of time and have them sent to Europe so I have them ready to use? We’ll want U.S. cell service each time we land back “home”. Thoughts? I didn't see anyone answer this but many Eur...
by jminv
Wed Sep 09, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 76
Views: 5628

Re: Repair plasma television or get new TV?

I have and really like my Samsung PN51F8500, the last generation plasma model before it was discontinued. It's been our main display for over five years with no issues, and probably has 8000-10000 display hours. It's now started to display some issues that likely indicate some internal electronic i...
by jminv
Tue Sep 08, 2020 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: House sale quandary - under contract!
Replies: 71
Views: 10211

Re: House sale quandary - got offer from neighbor before agent listed house

I could use some advice here, because I think we're in a bit of a gray area. We are selling our house. Last week we contacted a real estate agent about selling it, but the listing has not gone up yet. She's done some prep work and the plan was to list next Saturday. In the meantime a neighbor heard...
by jminv
Tue Sep 08, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: Replacing a 20-year-old central air conditioning
Replies: 66
Views: 6233

Re: Replacing a 20-year-old central air conditioning

I am thinking about replacing my 20 year old central AC. What are my options? What are the brands or models bogleheads recommend? I read many people are happy with their mini splits AC. It sounded like a good energy efficient option. Then I realized the installation requires the drilling of a hole ...
by jminv
Tue Sep 08, 2020 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dog Bite Case (for real - and I own the dog)
Replies: 56
Views: 8273

Re: Dog Bite Case (for real - and I own the dog)

Use the homeowners insurance. It will simplify your life.
by jminv
Mon Aug 31, 2020 7:19 pm
Forum: Personal Consumer Issues
Topic: Home Warranty
Replies: 20
Views: 1128

Re: Home Warranty

Anyone using home warranty plan? Someone recommended for Sears home warranty, looking for other options and feedback. My appliances are 6-7 years old and I have started having issues with different appliances. One I was able to fix with help; others end up costing 300-400$. The part was 50$ but lab...
by jminv
Sat Aug 29, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: First time considering AirBnB or VRBO
Replies: 23
Views: 1746

Re: First time considering AirBnB or VRBO

I have used Airbnb for around 400 nights now worldwide, only 'entire places' though never rooms. It usually works out well but you have to read the reviews, look at the pictures, and make sure it has the amenities you want. To re-iterate, read all of the reviews. Plus look at the area it is in and f...
by jminv
Thu Jul 23, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 127
Views: 10516

Re: Mosquitos! Mosquitos! Mosquitos!

Most of the mosquito control services use Bifenthrin in a backpack blower, although Bifenthrin doesn't work all that great. Bifenthrin is available online that you can purchase yourself although I think you might not be able to buy it in NY. Lookup Talstar. It kills a lot of things besides mosquitoe...
by jminv
Tue Jul 07, 2020 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: small upgrades to rental property?
Replies: 10
Views: 737

Re: small upgrades to rental property?

Here's a question about residential rental property. A tenant in a duplex I own has just requested I put in window screens -- most of the windows don't have them. This is obviously not a needed repair. What are landlords' thoughts about doing this kind of thing? Does the property have ac or not? If...
by jminv
Mon Jun 08, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Looking at buying house with in-ground pool. What questions should we ask?
Replies: 62
Views: 4002

Re: Looking at buying house with in-ground pool. What questions should we ask?

Get a pool company to check out the condition of the pool. Preferably a company that actually repairs/builds pools not just a weekly service company. You'll want an opinion on the condition of the pool itself but also on the equipment - pump, filter, etc. Ask whether the equipment is right for the p...
by jminv
Fri May 29, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: 55+ communities - with or without golf course?
Replies: 13
Views: 1568

Re: 55+ communities - with or without golf course?

When looking at homes in a golf course community, check whether you are forced to belong to the golf club by virtue of owning the house. This happens most frequently with homes built along the golf course. This can become a problem when membership declines and the only remaining members are those th...
by jminv
Thu May 28, 2020 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Economic Impact Payment: Wrong Last Name
Replies: 5
Views: 1076

Re: Economic Impact Payment: Wrong Last Name

I don't really want to go one of their in-network ATMs to withdraw cash over a number of days and then deposit it in my bank account (the other option). The cash machine is in a pharmacy far from where I am at the moment and the withdrawal limit on that machine is low. So while there's a $1000 dail...
by jminv
Wed May 27, 2020 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Economic Impact Payment: Wrong Last Name
Replies: 5
Views: 1076

Economic Impact Payment: Wrong Last Name

I finally received our economic impact payment in the form of a debit card yesterday, which is odd considering the IRS does have my direct deposit information on file. The debit cards can be used to withdraw cash for free at certain in-network ATMs, used at stores, etc but can you can also send the ...
by jminv
Sun May 17, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 5056

Re: Dual citizen, USA passport expiring, how to travel internationally

Looking for any advice & solutions. Family member: Born in USA (American citizen by birth) Has USA passport, expiring July 2020 Turned 18 two months ago, thus… Received last passport when under 18 years old (can’t renew by mail) Wants to travel to South America in August Is also a citizen of sa...
by jminv
Sun May 10, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: United Airlines miles and bankruptcy
Replies: 46
Views: 4211

Re: United Airlines miles and bankruptcy

They would likely devalue further way before they zeroed out miles since they need their frequent flyers are valuable and they wouldn't want them to defect to a competitor. Devaluing them is also easy, there's no protection against it.
by jminv
Sun May 10, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 10121

Re: Mesh Wifi

I recently bought the MeshForce M3S system but wouldn't recommend it. Although it works it's not great. Requires too many units to get a good mesh network (I ended up buying more). So if you see that on amazon, I'd avoid it. If you are going to buy it anyway, it's cheaper directly from MeshForce as ...
by jminv
Sat May 09, 2020 11:01 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3500
Views: 582921

Re: What are you up YTD? [Year To Date]

I'm up 30.86% in half of my portfolio which is a little similar to what's been going on in the hedgefundie thread. That's half my portfolio and is volatile, at one point I was down 41%. The other half is up 24.88% and was TLT for most of the period although I started changing my allocation by sellin...
by jminv
Thu May 07, 2020 12:58 am
Forum: Investing - Theory, News & General
Topic: When to sell low? Buffett sells entire airline stake
Replies: 81
Views: 11996

Re: When to sell low? Buffett sells entire airline stake

I think Warren is loosing his touch. He swore he would never buy airlines way back when because he thought airlines were a terrible business. Then in 2016ish he buys 10% of four airlines at high prices when things were going good. So totally against his precept of getting good businesses at a good ...
by jminv
Tue Apr 28, 2020 12:56 pm
Forum: Personal Investments
Topic: how to go around ATM daily limit to withdraw cash for emergency
Replies: 25
Views: 2875

Re: how to go around ATM daily limit to withdraw cash for emergency

You need to have an account at bank's local physical branch. You would then send a domestic wire transfer from your brokerage and withdraw cash from the teller at your local bank same day. Schwab makes sending domestic wires very easy (and free under certain conditions). That's what I do when I need...
by jminv
Sun Apr 26, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Kia Quality & Longevity
Replies: 82
Views: 6055

Re: Toyota vs. Kia Quality & Longevity

Have you ever seen a KIA being driven in the desert or forest by terror groups?? Seriously all they drive are Toyotas. I have owned a few Toyotas, very reliable. A Tacoma had 180K on it and I sold it in 2 days when I was ready to upgrade. Toyotas are driven by them because of the Toyota spare part ...
by jminv
Sun Apr 26, 2020 6:06 pm
Forum: Personal Consumer Issues
Topic: Italian traffic fine with U.S. debt collector-revisited?
Replies: 26
Views: 3449

Re: Italian traffic fine with U.S. debt collector-revisited?

Today I was contacted by a Ceders Business Services, a debt collection agency in CA, regarding a traffic violation from April of 2018, from Siena, Italy. I was not aware I had entered or parked in a restricted area at the time and no violation was on my vehicle; the ticket was issued from a video c...
by jminv
Sun Apr 26, 2020 1:10 am
Forum: Personal Consumer Issues
Topic: [Anyone found] amazing shopping deals now?
Replies: 30
Views: 4051

Re: Amazing shopping deals now

Some clothing is on sale but often the 'list' deals aren't where the value is you need something like Honey or Wikibuy installed so you can automatically try all the coupon codes. There's some great coupon codes since discounting is in early days and they are trying to price discriminate rather than...
by jminv
Sun Apr 26, 2020 12:53 am
Forum: Personal Consumer Issues
Topic: Italian traffic fine with U.S. debt collector-revisited?
Replies: 26
Views: 3449

Re: Italian traffic fine with U.S. debt collector-revisited?

Today I was contacted by a Ceders Business Services, a debt collection agency in CA, regarding a traffic violation from April of 2018, from Siena, Italy. I was not aware I had entered or parked in a restricted area at the time and no violation was on my vehicle; the ticket was issued from a video c...
by jminv
Fri Apr 24, 2020 2:11 am
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 10565

Re: physician/APC pay cuts

It’s ‘voluntary’ in the sense that if you don’t willingly agree to their new proposed salary you run the very real risk of being terminated instead. If that’s ok with you, then refuse the cut. Read the medscape article a few posts before mine. Your group is trying to get people to voluntarily agree ...
by jminv
Sun Apr 19, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance in the age of Corona
Replies: 18
Views: 1624

Re: Life Insurance in the age of Corona

Spouse is a medical professional. I applied for a new policy and was approved without a home exam, applied to get a better rate than what I had before. About a week later (yesterday) spouse applied using same company for the same policy value and a home exam is required for her to be approved. Spous...
by jminv
Sun Apr 19, 2020 10:19 am
Forum: Investing - Theory, News & General
Topic: Neiman Marcus to file for bankruptcy
Replies: 67
Views: 6995

Re: Neiman Marcus to file for bankruptcy

There are going to be a lot of retail bankruptcies and some great liquidation sales. Although this accelerated a long-term trend in retail, it's not great because there are going to be a lot of people out of work for an extended period of time, there's not going to be an instant recovery. Lot of bus...
by jminv
Sun Apr 19, 2020 10:17 am
Forum: Personal Investments
Topic: North American Oil - Should I buy?
Replies: 31
Views: 2030

Re: North American Oil - Should I buy?

I've been doing some research into the market over the past month. Obviously NA Oil companies have taken a huge hit, as well as many other industries. There's a lot of chaos in the energy sector at the moment. Would it be a worthwhile long term (10+ years) investment to buy these stocks while there...
by jminv
Sat Apr 18, 2020 11:51 pm
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 6277

Re: Issues with face masks?

You might also have been light headed because of the stressfulness of the situation. First time in awhile and having to use a mask where everyone else is too. It’s a bit disconcerting. Happened to me when I went into a store with a N95 mask the first time. I wear KF94 masks now. They’re more comfort...
by jminv
Fri Apr 03, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help for Landlords in the Stimulus Bills?
Replies: 198
Views: 13860

Re: Help for Landlords in the Stimulus Bills?

If landlords simultaneously evicted millions of tenants, how long do you think it's going to take you to find a new tenant? Many months? All of these eviction landlords will be competing for the same small pool of available tenants with jobs in the middle of a severe recession. If you evict your te...
by jminv
Fri Apr 03, 2020 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house now or wait?
Replies: 42
Views: 3224

Re: Buy a house now or wait?

After being widowed last year, I decided to retire from my psychotherapy practice and move 150 miles south to where my son and his family live. I’m 62. I listed my house, it sold, closed, and I should be moving 4/13, first to my son’s trailer and then possibly to an airBNB while I house hunt. When ...
by jminv
Thu Mar 26, 2020 4:08 pm
Forum: Personal Investments
Topic: Effect of COVID19 on Real Estate
Replies: 42
Views: 6391

Re: Effect of COVID19 on Real Estate

What do you guys think? If this does not prolong, I think it won't have major impact on RE (as people need a place to stay) but if COVID19 does prolong and people starting to run short of emergency fund to pay mortgage/rent/etc, this can lead to RE price coming down. Any thoughts? My opinion 1) Sto...
by jminv
Thu Mar 26, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: What is with the printer paper delivery times on Amazon?
Replies: 39
Views: 2458

Re: What is with the printer paper delivery times on Amazon?

There are some interesting things that they are not prioritizing/allowing to be restocked in their warehouses. Paper seems like something they should be, though, with all the kids at home and parents wanting to print off activity sheets, tests, etc. It seems like it's not very thought through yet. I...
by jminv
Sat Mar 21, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why are private student loan rates still high
Replies: 11
Views: 714

Re: Why are private student loan rates still high

I was looking to refinance my student loan with online lenders like Sofi. Interest rates have not dropped despite Fed fund rate dropping to 0. What's going on? The risk on these private unsecured loans has gone way up, not down. So while on the one hand the Fed decreased the fed fund rate, that's c...
by jminv
Fri Mar 20, 2020 11:37 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 325197

Re: Coronavirus and the market

COVID-19 is of course the elephant in the room in terms of what the market is doing, but my impression is that the market downturn was made significantly worse by the oil war going on between Russia and Saudi Arabia. Noticed that during the few years leading up to this, the market seemed to react n...
by jminv
Wed Feb 26, 2020 6:22 am
Forum: Personal Consumer Issues
Topic: Avis charging for existing damage on rental car
Replies: 111
Views: 8534

Re: Avis charging for existing damage on rental car

It's a good idea to take pictures and video of their rental car before driving off. You don't necessarily have to go back to the rental car person to note damages and in any case they're usually dismissive of small things. Pictures have gotten me out of a damage claim a few times now. The OP was rus...
by jminv
Sun Feb 23, 2020 8:05 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: Intuit Near Deal to Buy Credit Karma for $7 Billion
Replies: 7
Views: 1479

Re: WSJ: Intuit Near Deal to Buy Credit Karma for $7 Billion

https://www.wsj.com/articles/intuit-near-deal-to-buy-credit-karma-for-7-billion-11582433880 Intuit's probably thinking 'hey, if we've been charging people $35 a year plus $20 a year for state e-filing, and a competitor company is offering tax filing completely free - why don't we just buyout the co...
by jminv
Thu Feb 20, 2020 6:21 am
Forum: Non-US Investing
Topic: online Euro bank accounts
Replies: 13
Views: 1046

Re: online Euro bank accounts

For those talking about N26 deposit insurance, theirs is the German scheme which is 100k euros. Not sure why you'd keep more than 100k in a N26 current account so OP should be fine. As far as the OP's security concerns, I'd be more worried about a local Italian bank's online banking vulnerabilities ...
by jminv
Wed Feb 19, 2020 7:04 pm
Forum: Personal Investments
Topic: Fidelity Privacy Concerns
Replies: 19
Views: 2603

Re: Fidelity Privacy Concerns

Hey all I recently rolled my 401K money over to Fidelity. It took me about 2 weeks to decide what Fidelity funds to put the cheese into but in that time I got a voicemail from someone at Fidelity saying they noticed I had a large amount of cash and if I needed any help. I never responded but it had...
by jminv
Wed Feb 19, 2020 6:44 am
Forum: Personal Consumer Issues
Topic: Potential sue - Loss of money
Replies: 128
Views: 12639

Re: Potential sue - Loss of money

Addition is back of the house, attached, no one can see. I use it daily b/c after my surgery, I have pain issues that's is why I built it. My response to him was, we will use it for our personal use and maybe when in-laws visits, but no renting it out (if what he was looking for) If you are not par...
by jminv
Wed Feb 19, 2020 4:05 am
Forum: Personal Consumer Issues
Topic: Progressive Auto Insurance
Replies: 21
Views: 2107

Re: Progressive Auto Insurance

I’ve used them for more than a decade now. At least for me, they’re the cheapest option and I have the loyalty benefits. I also like that my premium isn’t jacked up every year unlike my experiences with other insurers. I still compare rates annually. I had a car damaged in a storm when I was working...
by jminv
Mon Feb 17, 2020 12:35 pm
Forum: Personal Investments
Topic: Father-in-law "trapped" in a "teaser" interest rate deal from Merrill Lynch
Replies: 34
Views: 3607

Re: Father-in-law "trapped" in a "teaser" interest rate deal from Merrill Lynch

My father-in-law asked me to sit down with him over this long weekend to go over some of his financials. He knows my wife and I have been long standing happy Bogleheaders, and wanted some insight. I've always shied away from helping him with his affairs, but since he asked, I'll help. Here's his si...
by jminv
Sun Feb 16, 2020 9:19 am
Forum: Investing - Theory, News & General
Topic: NRIA.NET - Real Estate Private Placement - 16% return
Replies: 29
Views: 30561

Re: NRIA.NET - Real Estate Private Placement - 16% return

I remember this thread from 2018 and it's something I would avoid. There's two business insider articles on these folks if you want to read more about exactly what's going on here. You can find them by searching for NRIA in biggerpockets. Two big issues with NRIA: First: They've advertised 'guarante...
by jminv
Sun Feb 16, 2020 8:04 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel -10K- Is it expensive?
Replies: 44
Views: 5735

Re: Bathroom remodel -10K- Is it expensive?

You need proper waterproofing around the shower. In this case, it sounds like your contractor didn’t do that at the base of your shower since that’s what he worked on. Tile is not waterproof by itself. You need a rubber pan or one of the other base options out there plus something like red guard. Wh...
by jminv
Fri Feb 14, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Hotel Room Search: 1-Bedroom / Door Separating Living Area
Replies: 9
Views: 903

Re: Hotel Room Search: 1-Bedroom / Door Separating Living Area

You could use Suiteness which makes it easier to search hotels with suites. Suiteness is clear when you're scrolling down the results page whether the suite is a studio or a 1 (or more) bedroom suite. You don't have to click through only to find out it's a studio suite.
by jminv
Fri Feb 14, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Hand raising with impending layoffs
Replies: 21
Views: 3896

Re: Hand raising with impending layoffs

In the past when planned layoffs were announced at my Mega Corp, there has been the option of hand raising. For anyone that may not be familiar it means you are basically volunteering to be at the front of the line for headcount reductions, but it is no guarantee, especially if one's role isn't in ...
by jminv
Fri Feb 14, 2020 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Amica Homeowners Insurance Increase
Replies: 20
Views: 2188

Re: Amica Homeowners Insurance Increase

Get a quote from Hippo for homeowners. Cut my mother's premium in half. Not Colorado but in an area with frequent hail damage. Check others as well, of course.
by jminv
Wed Feb 12, 2020 5:33 am
Forum: Personal Consumer Issues
Topic: Suggestions to save money on a house move cross country
Replies: 22
Views: 1219

Re: Suggestions to save money on a house move cross country

My family and I are looking to move from the west coast to the midwest. Any suggestions on ways to save some money? Thanks! Use ABF Upack. It's much less expensive than using a 'normal' moving company (or PODS) and you're able to arrange labor through them on both ends to load and unload the traile...
by jminv
Tue Feb 11, 2020 8:18 am
Forum: Personal Investments
Topic: $2M Real Estate Sale - how to handle
Replies: 33
Views: 4011

Re: $2M Real Estate Sale - how to handle

Just make sure that the primary reason for choosing to invest in the DST is what the DST is invested in, not the tax angle. There are issues with DSTs and that's already been addressed in this thread. I'll add that to avoid part of the front end load, which is really large in DSTs, you should look a...