Search found 4064 matches

by adamthesmythe
Sat Apr 17, 2021 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to opt out of people search sites?
Replies: 3
Views: 639

Re: How to opt out of people search sites?

Don't know why OP is shocked. All that information was out there in public records. The only difference now is that it's on line.

There are ways to live under the radar if one is obsessive enough. AND willing to forego many activities and comforts.
by adamthesmythe
Sat Apr 17, 2021 7:28 pm
Forum: Personal Consumer Issues
Topic: A/C in the garage
Replies: 21
Views: 1808

Re: A/C in the garage

> I’d try a swamp cooler first

OP lives in Texas. If it's a humid part of Texas swamp coolers will not work.

AND a swamp cooler needs access to outside air.
by adamthesmythe
Sat Apr 17, 2021 4:49 pm
Forum: Personal Consumer Issues
Topic: A/C in the garage
Replies: 21
Views: 1808

Re: A/C in the garage

No you cannot vent an air conditioner into the attic.

Cutting into bricks- either for tubing or an AC-sized hole- requires the right equipment but is not a big deal.
by adamthesmythe
Fri Apr 16, 2021 7:16 pm
Forum: Personal Consumer Issues
Topic: Hoover Vacuum Problem (Mystery Solved)
Replies: 21
Views: 1250

Re: Hoover Vacuum Problem (Mystery Solved)

1. Congrats on solving your problem yourself.

2. Reminder to self: when out, ask how old the Coke is.
by adamthesmythe
Fri Apr 16, 2021 7:14 pm
Forum: Personal Consumer Issues
Topic: New car same price as 1 year old
Replies: 24
Views: 2138

Re: New car same price as 1 year old

You should feel OK with the fact that your year old car had "more" of something than the new one. There is no consensus around here, just as there is no consensus about the owning/ renting a house. There IS considerable value in hearing the discussion and determining yourself how the vario...
by adamthesmythe
Fri Apr 16, 2021 5:58 pm
Forum: Personal Consumer Issues
Topic: Selling house in 2 yrs: what should I spruce up?
Replies: 14
Views: 1653

Re: Selling house in 2 yrs: what should I spruce up?

Invite a realtor to your your house and ask for feedback on what, if anything, needs sprucing up. Consider: 1) painting, refinishing floors 2) cleaning windows (and the rest of the house) really well 3) fixing anything that’s broken 4) paint the front door 5) clean up the yard, trim bushes, put dow...
by adamthesmythe
Fri Apr 16, 2021 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: What Does College Tuition Really Cost?
Replies: 69
Views: 5137

Re: What Does College Tuition Really Cost?

It depends.

Some people around here are so convinced that they would not qualify for any aid that they do not apply.
by adamthesmythe
Thu Apr 15, 2021 7:08 pm
Forum: Investing - Theory, News & General
Topic: are inflation fears driving the housing market
Replies: 27
Views: 2912

Re: are inflation fears driving the housing market

inflation is increasing yes, but to call it Hyperinflation is downright ridiculous. Have you checked the price of a 2x4 lately? :P That's not hyperinflation. Hyperinflation means (if lumber has doubled in the last few months) that lumber doubles again in the next few months, and doubles again after...
by adamthesmythe
Thu Apr 15, 2021 6:04 pm
Forum: Personal Consumer Issues
Topic: Hoover Vacuum Problem (Mystery Solved)
Replies: 21
Views: 1250

Re: Hoover Vacuum Problem

If you like it, take it to a Vaccuum (sic) repaid (double sic) shop and see what they say. There was a vacuum machine repair shop where I used to live...it was kind of a rest home for inoperable machines. Because the repairperson was slow...really slow...he was more of a collector than a repairpers...
by adamthesmythe
Thu Apr 15, 2021 3:33 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car (in the US)
Replies: 10
Views: 994

Re: Negotiating for a new car (in the US)

Many of the dealers are recognizing that Covid makes people much more reluctant to go to (and spend time in) a dealership. This makes it easier to do negotiations partly or completely remotely. Some will even deliver the car to your house after the deal is made. As noted, supply might be very constr...
by adamthesmythe
Thu Apr 15, 2021 12:46 pm
Forum: Personal Consumer Issues
Topic: Should I redo my front yard and backyard landscaping?
Replies: 30
Views: 2461

Re: Should I redo my front yard and backyard landscaping?

We live in a very nice suburban home in a nice neighbhorhood. Our community of homes are well kept by the people who live here. I have noticed our front yard and backyard are becoming overgrown and don't look so pretty. Wife really wants us to redo them. Recently we hired a landscape architect who ...
by adamthesmythe
Thu Apr 15, 2021 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a Time Share
Replies: 40
Views: 3522

Re: Selling a Time Share

If the timeshare was left to no one, or all heirs disclaimed, I assume the company could go after the estate for the payments. What do they do? Calculate the price of a perpetuity that would would the annual payments and demand that much? Interesting question. I would like to hear from those who kn...
by adamthesmythe
Wed Apr 14, 2021 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Power of a personal real estate offer letter
Replies: 77
Views: 4788

Re: Power of a personal real estate offer letter

I wouldn't write one. I wouldn't want to read them. Maybe I would ask the agent to extract the financial-related information and put it in a spreadsheet. I care about offer price and likelihood to close. A buyer is most likely to close if (he, she, they) has a stable job with an income that is plaus...
by adamthesmythe
Wed Apr 14, 2021 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 79
Views: 7161

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

I recently bought with a cashier's check and they started to collect the sorts of information needed for a loan when I arrived. Then partway through they realized there was no point to doing this. I think it was just disorganization, which was confirmed later when they took a couple hours to finally...
by adamthesmythe
Wed Apr 14, 2021 12:24 pm
Forum: Personal Consumer Issues
Topic: 2021 Wrangler Rubicon unlimited
Replies: 29
Views: 2158

Re: 2021 Wrangler Rubicon unlimited

My wife drives a 2020 JLUR. Less than a week after bringing it home we had the dealer put the Mopar lift, bead locks and 37"s on it. She LOVES it. That was in October 2019. Today I'd SERIOUSLY look at the full size Bronco (not the sport). I owned a '92 Bronco for 7 years and sold it in 2014. T...
by adamthesmythe
Tue Apr 13, 2021 9:21 pm
Forum: Personal Consumer Issues
Topic: 2021 Wrangler Rubicon unlimited
Replies: 29
Views: 2158

Re: 2021 Wrangler Rubicon unlimited

1. In addition to the other cons don't forget about the poor gas mileage.

2. Jeeps do not have a rep for being reliable. On the plus side they are apparently not as bad as a Landrover.

3. Very good resale value if you decide it's not for you.
by adamthesmythe
Sun Apr 11, 2021 7:43 pm
Forum: Personal Consumer Issues
Topic: Would (did) you preemptively replace your Roof Shingles
Replies: 51
Views: 3470

Re: Would you preemptively replace your Roof

If the house inspector said upon purchase that the roof had 5 years of useful life- I wouldn't schedule a replacement in 5 years. I take that comment to mean "the roof isn't new and it will probably last at least 5 years." I WOULD inspect from time to time and consider doing minor repairs ...
by adamthesmythe
Fri Apr 09, 2021 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws' HOA demanding $8000 lumpsum payment
Replies: 91
Views: 10536

Re: In-Laws' HOA demanding $8000 lumpsum payment

InLaws are unaware if this was disclosed. Do you mean unaware in the sense that it wasn't in the disclosures, unaware in the sense that they no longer have the disclosures, or unaware in the sense that they didn't read the disclosures? By the way, anything in an RE listing is subject to verificatio...
by adamthesmythe
Fri Apr 09, 2021 10:15 pm
Forum: Personal Investments
Topic: Protect savings from imminent inflation?
Replies: 29
Views: 2988

Re: Protect savings from imminent inflation?

The best advice I can give is to invest in bitcoin or gold.

And when I say best advice...I don't think it's GOOD advice...in fact I think it's BAD advice...and indeed I'm not on board with the premise of the question.
by adamthesmythe
Fri Apr 09, 2021 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws' HOA demanding $8000 lumpsum payment
Replies: 91
Views: 10536

Re: In-Laws' HOA demanding $8000 lumpsum payment

So...I’m guessing that the seller knew they were (or at least might be) on the hook for $8000 at the time of the sale. Was this not disclosed? Good question. The sellers may not have known exactly how the finances would work out. However they probably had some obligation to disclose, and it would m...
by adamthesmythe
Fri Apr 09, 2021 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws' HOA demanding $8000 lumpsum payment
Replies: 91
Views: 10536

Re: In-Laws' HOA demanding $8000 lumpsum payment

Since the damage occurred when the previous owners (presumably) had insurance, they can probably claim against their insurance.

However- unless there was a provision in the sales contract- they are under no legal obligation to pass this on to the new owners.
by adamthesmythe
Thu Apr 08, 2021 7:16 pm
Forum: Personal Consumer Issues
Topic: New or Used: car purchase
Replies: 17
Views: 1277

Re: New or Used: car purchase

> Basically need decent fuel milage, off roadability, comfort, and room to haul stuff around

Strong off-road ability goes along with poor gas mileage.

Hate to say it, but this might be an excellent use case for a 4runner. If you're gonna have poor gas mileage you might as well have reliability.
by adamthesmythe
Thu Apr 08, 2021 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: My House
Replies: 7
Views: 754

Re: My House

Read some of the threads here about how to decide what half of the value of a house is.

Consider directing that the house be sold and the proceeds divided unless some other agreement is mutually arrived at within a specific (short) time frame.
by adamthesmythe
Wed Apr 07, 2021 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Better to buy a new vs used car these days??
Replies: 21
Views: 1994

Re: Better to buy a new vs used car these days??

I believe there is little or no price advantage for Toyota/Honda/Subaru. Especially now.

There may be a significant price advantage for unreliable/ luxury/ exotic models a few years old.
by adamthesmythe
Wed Apr 07, 2021 12:14 pm
Forum: Personal Consumer Issues
Topic: Shoe Choice for a Walker
Replies: 33
Views: 2691

Re: Shoe Choice for a Walker

My wife and I walk about five miles every day (sometimes up to ten miles). The miles take a toll on my walking shoes, and I'm ready to replace my second pair of Solomon X-Ultra 3 hiking shoes (most recent pair purchased on 11/8/2020). The heel end of the sole has worn through. Price is not an issue...
by adamthesmythe
Wed Apr 07, 2021 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Selling home in MN -- normal to have listing fee in addition to commission?
Replies: 11
Views: 885

Re: Selling home in MN -- normal to have listing fee in addition to commission?

In my not-Minnesotan experience, not normal and not necessary.

Bargain for removal of that fee and try for 5%. These days I would expect you can get it unless the house price is low or it is difficult to sell for some reason.
by adamthesmythe
Sun Apr 04, 2021 7:52 pm
Forum: Personal Consumer Issues
Topic: Placard on recently purchased home (update: “fire mark”)
Replies: 5
Views: 848

Re: Placard on new home (update: “fire mark”)

If original- don't clean it and don't paint it.

If a reproduction- do anything you want to make it gaudy.
by adamthesmythe
Sun Apr 04, 2021 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Young, Uninformed Home Buyer with Cash
Replies: 17
Views: 1986

Re: Young, Uninformed Home Buyer with Cash

1. I would not allow (would not have allowed) parents to cosign for something I could afford myself. Maybe it's a pride thing. 2. I also would not borrow to invest. Although when I was younger and had mortgages, I didn't feel bad about them and didn't try to pay them off early. 3. If you want to bui...
by adamthesmythe
Sun Apr 04, 2021 7:23 pm
Forum: Personal Investments
Topic: Can I makeup for previous low contributions? And review of new retirement plan.
Replies: 26
Views: 2207

Re: Can I makeup for previous low contributions? And review of new retirement plan.

Anyway for me to catch up? ... I'm 29 years old. I'm struggling to imagine how a 29 year old feels as if they are somehow behind on retirement savings. :shock: Many of us didn't even start contributing until we were older... It's not as if 401k plans have always existed, and the annual contribution...
by adamthesmythe
Sun Apr 04, 2021 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Jobhunting after Covid-19 quit
Replies: 35
Views: 4464

Re: Jobhunting after Covid-19 quit

tashnewbie wrote: Sun Apr 04, 2021 12:22 pm If asked, AC could just say they wanted to take the time to focus on schoolwork.
Seems like the best option to me.

Although it might not be best to use his last manager as a reference.
by adamthesmythe
Sun Apr 04, 2021 6:42 pm
Forum: Personal Consumer Issues
Topic: Placard on recently purchased home (update: “fire mark”)
Replies: 5
Views: 848

Re: Placard on new home

I'm guessing it means the owner has subscribed to the local fire department.

(I understand this was a thing about 200 years ago).
by adamthesmythe
Fri Apr 02, 2021 5:23 pm
Forum: Personal Consumer Issues
Topic: Good time to sell a car?
Replies: 16
Views: 1143

Re: Good time to sell a car?

Yes, It's a good time to sell a car.

It's also a bad time to buy a car. Whether it will still be a bad time in a year is anybody's guess.
by adamthesmythe
Thu Apr 01, 2021 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Questionable offer for as is house
Replies: 16
Views: 2498

Re: Questionable offer for as is house

I don't understand people who don't just, umm, put the house on the market, and, umm, sell it. > It is an old house that needs to be torn down in area that is in demand with new housing developments and apartment. I guess it's possible that this really is the only thing that can be done with the pro...
by adamthesmythe
Thu Apr 01, 2021 11:31 am
Forum: Personal Consumer Issues
Topic: Resole hiking boots?
Replies: 40
Views: 2044

Re: Resole hiking boots?

I don't know that brand, I am most familiar with European brands of mountain boots.

High-quality mountain boots are worth the trouble of replacing the soles. I haven't needed to do so yet but I would ask at stores that sell these things, usually found near major climbing destinations.
by adamthesmythe
Wed Mar 31, 2021 1:45 pm
Forum: Personal Consumer Issues
Topic: Can't remove old shower head
Replies: 38
Views: 1871

Re: Can't remove old shower head

There is a real chance that you will make things worse, maybe a lot worse. Old brass piping can get fragile...

If two pipe wrenches won't do it (by the way, guaranteed to leave marks on the chrome) then...live with it or hire a plumber.
by adamthesmythe
Wed Mar 31, 2021 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: How much retirement notice to give
Replies: 66
Views: 3666

Re: How much retirement notice to give

I had been planning on retiring in February 2022, but due to lots of issues over the past year I have decided with my wife to do so this year. I am 65, she is 60, still working for 5 more years probably. Financially I think we are OK, but lots of reasons to move it up – for example Covid, I had a h...
by adamthesmythe
Wed Mar 31, 2021 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Home Sellers Dilemma re Agent
Replies: 24
Views: 2165

Re: Home Sellers Dilemma re Agent

The only place I hear about 6% commission is in postings trying to prove having an agent is a ripoff. You should be able to negotiate 5 or maybe 4.5% for a regular sale, maybe less if you already have a buyer. OP's problem is that he doesn't really know what his house is worth today. And it's not cl...
by adamthesmythe
Sun Mar 28, 2021 4:19 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13977

Re: People with Covid-19 vaccination record cards: where are you keeping them?

anticipate that for the near future you can either have absolute privacy or the right to travel, not both. We'll see. Airlines are highly motivated to fill up their planes again. Sure but... - For international travel the airlines can only fly people who can be admitted - Refusing to fly unvaccinat...
by adamthesmythe
Sun Mar 28, 2021 3:33 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13977

Re: People with Covid-19 vaccination record cards: where are you keeping them?

About "passports" https://www.washingtonpost.com/health/2021/03/28/vaccine-passports-for-work/ I don't think any reasonable person expects the paper cards to have any use to prove vaccination. I expect some combination of a phone app and database will happen. It is not surprising this is s...
by adamthesmythe
Fri Mar 26, 2021 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Car Loan at .9%?
Replies: 70
Views: 4687

Re: Car Loan at .9%?

Bought a Toyota several months ago and they offered a choice between a rebate and a low-interest loan. Despite the advice that I would get a better price with the loan.

I have decided that all of the universal rules about how to buy a car are exactly right some of the time.
by adamthesmythe
Fri Mar 26, 2021 12:50 pm
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8228

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

When I worked at Well-Known Engineering University, the difficulty of transferring into ECE or CS varied with demand (with CS being more difficult). OP can probably find out what the story is now. There have been times when ECE students had difficulty registering for CS courses, even required CS cou...
by adamthesmythe
Fri Mar 26, 2021 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Owners Title Ins., purchasing property from Judge
Replies: 43
Views: 2629

Re: Owners Title Ins., purchasing property from Judge

Honestly, you want to find out the issues up front, not lean on some crooked title insurance company to try to help you fix it after the fact, once you’ve paid up full price for the house. And no, some check done by a clerk from a desk doesn’t compare with what a proper real estate lawyer does — th...
by adamthesmythe
Thu Mar 25, 2021 1:49 pm
Forum: Personal Consumer Issues
Topic: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?
Replies: 34
Views: 3015

Re: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?

I do not believe you will find any such vehicle. One important reason why this is unlikely- software alone isn't enough. (You have ruled out Tesla, which does do software upgrades. There has been considerable technical skepticism about whether they will ever be able to implement full self-driving wi...
by adamthesmythe
Wed Mar 24, 2021 9:13 pm
Forum: Personal Investments
Topic: Transferring entire 500k taxable account to Bitcoin?
Replies: 169
Views: 9729

Re: Transferring entire 500k taxable account to Bitcoin?

You're young. You have time to start over if it all goes to zero.
by adamthesmythe
Wed Mar 24, 2021 5:21 pm
Forum: Personal Consumer Issues
Topic: Retention of Government Employee E-mails
Replies: 23
Views: 1788

Re: Retention of Government Employee E-mails

What do you mean they don't disappear when I delete them? When I asked IT for help in trying to recover some deleted emails, they told me it was impossible. At least according to my IT department, emails are permanently irrecoverable after deletion. Assume there is some backup somewhere. If IT won'...
by adamthesmythe
Wed Mar 24, 2021 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: lots of $ but underwater RE: can I will RE to someone I hate?
Replies: 32
Views: 4530

Re: lots of $ but underwater RE: can I will RE to someone I hate?

4 – My main concern is: what ability does a bank and the IRS have to do clawbacks of cash long ago distributed via POD accounts to various beneficiaries, when the real estate eventually reverts back to the bank, and money later becomes owed by a "dead me" due to the "sale" of th...
by adamthesmythe
Wed Mar 24, 2021 5:06 pm
Forum: Personal Consumer Issues
Topic: Shower remodel: Floor is uneven and pools water
Replies: 8
Views: 539

Re: Shower remodel: Floor is uneven and pools water

cheese_breath wrote: Wed Mar 24, 2021 4:22 pm Wipe it up with a towel after every shower until you're ready to demo.
Welcome to tub and shower day here at bogleheads.

Yeah, this might be the expedient solution. Or- in Europe they have this long-handled squeegee thing that you use to scrape water into the drain.
by adamthesmythe
Wed Mar 24, 2021 5:03 pm
Forum: Personal Consumer Issues
Topic: Bathtub and Tile Walls Remodel
Replies: 6
Views: 568

Re: Bathtub and Tile Walls Remodel

I would not do the insert thing on a house I planned to live in. (Nor would I have done a spray paint. Both look cheap and tacky).

If you don't want to afford replacement tile and tub, dremel followed by regrouting and more of the paint will keep you going for a few years.
by adamthesmythe
Wed Mar 24, 2021 4:59 pm
Forum: Personal Consumer Issues
Topic: Shower pan leak—advice please
Replies: 24
Views: 2041

Re: Shower pan leak—advice please

First I would go over the drain and identify any issues that may exist there. I would then let the area and grout completely dry out. That could take take 2 or 3 days in a dry climate. I would inspect and remove and replace any loose grout on the inside of the shower. I would then use a clear grout...
by adamthesmythe
Wed Mar 24, 2021 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Non-compete agreements: Competitors vs. Technology
Replies: 35
Views: 1564

Re: Non-compete agreements: Competitors vs. Technology

The part I struggle with is why anyone signs these in the first place. Have some character and dignity and say no. A non-compete agreement may be the price for working for a company with cutting-edge technology and excellent prospects for the future. Companies with mundane products doomed to declin...