Search found 2483 matches

by rascott
Fri Apr 09, 2021 3:41 pm
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 19
Views: 1261

Re: The Great Swing Set Dilemma

From experience, get something simple... a slide, clubhouse, 2-3 swings. By age 6-7-8 they'll never touch the thing. Ours got a lot of use from ages 2-5 or so. I have no idea the quality of that brand.... we bought a Gorilla one for like $1200 (pre-pandemic), on sale from Home Depot a few years back...
by rascott
Fri Apr 09, 2021 2:05 pm
Forum: Personal Consumer Issues
Topic: Housing circumstances
Replies: 41
Views: 2185

Re: Housing circumstances

I'd buy the biggest house you can. I doubt they are ever going anywhere.

I concur with above comments about possibly renting, only because you don't REALLY know the area you are moving to.
by rascott
Fri Apr 09, 2021 9:14 am
Forum: Personal Consumer Issues
Topic: Are architect estimates for construction costs usually pretty accurate?
Replies: 21
Views: 1412

Re: Are architect estimates for construction costs usually pretty accurate?

I've known a handful of people who've done builds or large remodels using an architect. None have stayed in budget. Some ended at 2x original cost. Best wishes. +1 The most extreme example I’ve seen of this was where the original project price was 2.1 million and after a 2-3 year final completion t...
by rascott
Fri Apr 09, 2021 8:27 am
Forum: Personal Consumer Issues
Topic: fan trips GFCI; can I plug into surge protector?
Replies: 20
Views: 996

Re: fan trips GFCI; can I plug into surge protector?

I could imagine a fan being turned on/off as being exactly the type of change in current flow that should cause it to trip. When a fan is turned off and still spinning it's essentially an electrical generator at that point and might be sending some small amount back up the line. I have one of those...
by rascott
Fri Apr 09, 2021 8:11 am
Forum: Personal Consumer Issues
Topic: fan trips GFCI; can I plug into surge protector?
Replies: 20
Views: 996

Re: fan trips GFCI; can I plug into surge protector?

I could imagine a fan being turned on/off as being exactly the type of change in current flow that should cause it to trip. When a fan is turned off and still spinning it's essentially an electrical generator at that point and might be sending some small amount back up the line. I have one of those...
by rascott
Fri Apr 09, 2021 7:42 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel with no GC?
Replies: 14
Views: 1622

Re: Bathroom remodel with no GC?

We are doing a similar project this year on a guest bath. 1930 house. We did a main floor bathroom that was more involved as it was converting a very tight and poorly designed 3/4 bath into a proper half bath/ powder room. The demo on it was insane. Think think plaster walls that were almost like ma...
by rascott
Thu Apr 08, 2021 3:22 pm
Forum: Personal Consumer Issues
Topic: Are architect estimates for construction costs usually pretty accurate?
Replies: 21
Views: 1412

Re: Are architect estimates for construction costs usually pretty accurate?

I've known a handful of people who've done builds or large remodels using an architect. None have stayed in budget. Some ended at 2x original cost. Best wishes. +1 The most extreme example I’ve seen of this was where the original project price was 2.1 million and after a 2-3 year final completion t...
by rascott
Thu Apr 08, 2021 8:00 am
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 222
Views: 44108

Re: who here is tempted to pullback on stocks?

But some of the folks here on bogleheads.org must have to rebalance at least a little bit out of equities in the coming months, right? If y'all are all being so successful "staying the course" you certainly don't want to vary from the course and get overweighted in equities right? Watch o...
by rascott
Thu Apr 08, 2021 3:03 am
Forum: Personal Consumer Issues
Topic: How much $$ to get kitchen cabinets painted?
Replies: 41
Views: 3804

Re: How much $$ to get kitchen cabinets painted?

What quality of build are the cabinets? That seems like a reasonable price, assuming it's a highly trusted painter. A lot of prep work needed to do the job well and have it hold up.

I'd only do this if these were really good quality cabinets that are very structurally sound
by rascott
Mon Apr 05, 2021 10:41 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4405
Views: 338076

Re: Small Cap Value heads Rejoice !!!

I wish it was "OK" to reduce SCV allocation over time. It’s certainly okay to do that. It’s also the opposite of what rational investors SHOULD probably do. Why is that? As you approach retirement you're de-risking your portfolio. You derisk your portfolio by lowering the total equity all...
by rascott
Mon Apr 05, 2021 9:28 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4405
Views: 338076

Re: Small Cap Value heads Rejoice !!!

stocknoob4111 wrote: Mon Apr 05, 2021 9:17 am looks like the S&P600 has hit a stumbling block... will it take another 3 years to go back to it's high like it did the last time? :confused
Up almost 60% in the last 6 months (IJS)....a pullback would be a healthy sign.
by rascott
Thu Apr 01, 2021 9:17 am
Forum: Personal Consumer Issues
Topic: Pedestal Sink - Disposal?
Replies: 15
Views: 888

Re: Pedestal Sink - Disposal?

Craigslist/ Facebook free curb pickup usually will quickly get rid of anything that's in usable condition very quickly
by rascott
Thu Apr 01, 2021 9:06 am
Forum: Personal Consumer Issues
Topic: Mulch from Costco or Lowes
Replies: 41
Views: 4134

Re: Mulch from Costco or Lowes

We buy no-name bagged mulch from Menards, which is a major HD competitor in the Midwest. When they are on sale, it is dramatically cheaper than their bulk mulch--$1/cuft ($27/cu yd), vs usually something around $80/cu yd for the bulk. They deliver it on a pallet dropped on our driveway. I then use ...
by rascott
Thu Apr 01, 2021 9:02 am
Forum: Personal Consumer Issues
Topic: Mulch from Costco or Lowes
Replies: 41
Views: 4134

Re: Mulch from Costco or Lowes

I've found the local mulch companies to only be worth it if you're getting a load of 5 cubic yards or more (which is a lot of mulch). Bags can be a pain, but their big advantage is being able to stop and start. The mulch can sit in the bag until I'm ready to spread it, but a big pile on my driveway...
by rascott
Thu Apr 01, 2021 8:43 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5774

Re: TV size question

I just bought a 55" TCL 5 series for $489.... built in Roku. Works great and picture is terrific. Sound is pretty adequate as well. You can get a 65" QLED for $649. What did it replace? I have yet to see a mainstream TCL/Hisense set that I would describe with stronger term than "good...
by rascott
Wed Mar 31, 2021 5:57 pm
Forum: Personal Consumer Issues
Topic: Family car
Replies: 86
Views: 6441

Re: Family car

Sienna for sure. Especially for road trips. We bought a brand new 2003 Sienna when that new changed model year had just come out and drove it near into the ground. I finally donated it to NPR in 2017 when it had over 300,000 miles on it. In 2014 my wife bought a brand new Toyota Highlander Limited....
by rascott
Wed Mar 31, 2021 5:04 pm
Forum: Personal Consumer Issues
Topic: Family car
Replies: 86
Views: 6441

Re: Family car

Would you considered used? I see used siennas with under 50k miles going for $20k. The last time I bought a used car was when I was in grad school and I ended up spending more on it than it was worth. I suppose I'm a little burned by that experience, but if a car ~$20k price range sounds like a rea...
by rascott
Wed Mar 31, 2021 11:58 am
Forum: Personal Consumer Issues
Topic: Family car
Replies: 86
Views: 6441

Re: Family car

Would you considered used? I see used siennas with under 50k miles going for $20k. The last time I bought a used car was when I was in grad school and I ended up spending more on it than it was worth. I suppose I'm a little burned by that experience, but if a car ~$20k price range sounds like a rea...
by rascott
Wed Mar 31, 2021 11:50 am
Forum: Personal Consumer Issues
Topic: toyota sequoia vs toyota sienna safety
Replies: 44
Views: 2633

Re: toyota sequoia vs toyota sienna safety

The new Siennas are really nice and should be loads more comfortable for a large family on long trips than any SUV.

They are too new for full safety/crash ratings, but being a brand new design I'd be confident in it.
Plus with the hybrid, you are getting 35 MPG.
by rascott
Wed Mar 31, 2021 8:52 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5774

Re: TV size question

I just bought a 55" TCL 5 series for $489.... built in Roku. Works great and picture is terrific. Sound is pretty adequate as well. You can get a 65" QLED for $649. If that's not good enough, the 6 series is still under $1k for a 65" Are there better TVs? I'm sure there are, but I'm d...
by rascott
Wed Mar 31, 2021 8:38 am
Forum: Personal Consumer Issues
Topic: Mulch from Costco or Lowes
Replies: 41
Views: 4134

Re: Mulch from Costco or Lowes

If you're doing a large area, a truck delivery of bulk mulch from a local soil/landscape supplier could be vastly cheaper and at least as good in quality. Great💡. Thanks. Off to Craigslist Not sure about Craigslist.... lol. Just a quick Google search for mulch delivery in your area. Should provide ...
by rascott
Tue Mar 30, 2021 11:55 am
Forum: Personal Consumer Issues
Topic: Tankless Water Heater - Struggling to Justify
Replies: 71
Views: 5832

Re: Tankless Water Heater - Struggling to Justify

I had one. Removed it and replaced with a tank when it last time started leaking. Gave me too many problems, impossible to find someone that actually knew how to fix.

No savings to be had due to the cost. A tank is an easy replacement when they go out. Enough said.
by rascott
Mon Mar 29, 2021 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase a house without using a RE agent?
Replies: 32
Views: 1671

Re: Should we purchase a house without using a RE agent?

You're not going to gain anything by not having an agent. Seller isn't going to cut you a deal in a hot market. Selling agent isn't going to cut their commission they charge the seller. You'll have to deal with negotiating inspection issues and setting closing details. There's no advantage and only...
by rascott
Mon Mar 29, 2021 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase a house without using a RE agent?
Replies: 32
Views: 1671

Re: Should we purchase a house without using a RE agent?

You're not going to gain anything by not having an agent. Seller isn't going to cut you a deal in a hot market. Selling agent isn't going to cut their commission they charge the seller. You'll have to deal with negotiating inspection issues and setting closing details. There's no advantage and only ...
by rascott
Mon Mar 29, 2021 2:20 pm
Forum: Personal Consumer Issues
Topic: Gas Water Heaters
Replies: 9
Views: 563

Re: Gas Water Heaters

Fwiw.... the last one I replaced with an AO Smith from Lowes.
by rascott
Mon Mar 29, 2021 2:14 pm
Forum: Personal Consumer Issues
Topic: Gas Water Heaters
Replies: 9
Views: 563

Re: Gas Water Heaters

I've had them all, and couldn't tell you there's much of a difference. Last one was Bradford White and only lasted about 7 years.
by rascott
Tue Mar 16, 2021 4:16 pm
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36601

Re: Are we in a housing bubble?

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...
by rascott
Sun Mar 14, 2021 8:51 pm
Forum: Personal Consumer Issues
Topic: Audio Receiver Recommendations
Replies: 49
Views: 3462

Re: Audio Receiver Recommendations

I disagree with a lot of the recommendations above. Our home had this same setup when we moved in.....pre-wired ceiling speakers to 4 different rooms, run to a central location in a built-in cabinet. I had an old Yamaha 5.1 receiver from one of those home theater in a box deals from 20 years ago. Do...
by rascott
Sun Mar 14, 2021 1:08 am
Forum: Personal Consumer Issues
Topic: Time to ditch Tivo?
Replies: 49
Views: 4403

Re: Time to ditch Tivo?

I could count on 2 hands the amount of recordings I've done in the last 2 years, typically only the occasional live sports event. Seems literally everything else is available on demand.
by rascott
Sun Mar 14, 2021 12:39 am
Forum: Personal Consumer Issues
Topic: Sienna vs Odyssey
Replies: 41
Views: 3258

Re: Sienna vs Odyssey

So just to follow up on this thread. After tons of painful hunting and searching....and constantly losing out on promising deals, I did snag a 2018 Sienna XLE Premium with 35k miles from a dealer about an hour away. We looked hard and long at the all new Sienna, including bringing one home for a nig...
by rascott
Sat Mar 13, 2021 11:30 pm
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36601

Re: Are we in a housing bubble?

It feels like a buuble is forming or in initial stage in around Charlotte NC. Prices are appreciating at much faster pace. We were looking for house and gave up because, I was not feeling confirmable with the speed of whole process . Another factor I noticed here is, investors are jacking up the ma...
by rascott
Sat Mar 13, 2021 11:21 pm
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36601

Re: Are we in a housing bubble?

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 ...
by rascott
Thu Mar 11, 2021 12:42 pm
Forum: Personal Consumer Issues
Topic: Luxury Mattress vs Firm w/Topper
Replies: 53
Views: 3490

Re: Luxury Mattress vs Firm w/Topper

If you like a firm mattress.... buy the Amazon branded mattress.... it's called Rivet. We bought one a couple years ago. I think a king was like $600, maybe less. We found it too firm and added a $200 top rated mattress topper and it's now most comfortable bed I've ever had. And still seems brand ne...
by rascott
Thu Mar 11, 2021 2:49 am
Forum: Personal Finance (Not Investing)
Topic: Renting for life - a bad idea?
Replies: 154
Views: 11003

Re: Renting for life - a bad idea?

We have owned homes and rented. We are renting now and absolutely love it. I doubt we will ever own a primary residence again, except in an owner-occupied situation where we own a piece of real estate and rent out a portion to someone else to cover the majority of the cost. Thinking that you're eve...
by rascott
Thu Mar 11, 2021 2:41 am
Forum: Personal Finance (Not Investing)
Topic: Renting for life - a bad idea?
Replies: 154
Views: 11003

Re: Renting for life - a bad idea?

1) Housing is an expense in life. You have to decide at what level you want to consume it. 2) Landlords aren't in the charity business. They don't provide you housing to break even. Renting is a more expensive way to live life, over your entire lifetime........ on average. In certain circumstances i...
by rascott
Thu Mar 11, 2021 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth building your dream house?
Replies: 109
Views: 7039

Re: Is it worth building your dream house?

What's common here is for a neighborhood to be developed and the town/ city code requires at least 2 of the production home builders to build on the lots.... to eliminate the cookie cutter feel of everything done by one builder. Each of these 2-3 builders will have 6-10 floorplans they can build......
by rascott
Wed Mar 10, 2021 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth building your dream house?
Replies: 109
Views: 7039

Re: Is it worth building your dream house?

Correct, builders in our areas and price point tend to allow sufficient customization for us, some even allow minor foundation modification. Sounds like you should say "buy a newly built house" in the OP. It's not even close to "build a custom house". He said build their "d...
by rascott
Wed Mar 10, 2021 3:04 pm
Forum: Personal Consumer Issues
Topic: 2021 Sunglasses Thread 😎
Replies: 62
Views: 4675

Re: 2021 Sunglasses Thread 😎

Shady Rays. Decent quality and they replace them up to twice when you inevitably break/ lose them.

I used to buy expensive ones, but those seem to get lost even faster.
by rascott
Wed Mar 10, 2021 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth building your dream house?
Replies: 109
Views: 7039

Re: Is it worth building your dream house?

Nowhere here did OP mention building a custom home. Just a lot of people jumped to that conclusion. Sounds like they just want to do a new construction in a neighborhood with a regular home builder. That's exponentially less stressful/ and less expensive than a true custom build. And you can still ...
by rascott
Wed Mar 10, 2021 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth building your dream house?
Replies: 109
Views: 7039

Re: Is it worth building your dream house?

Nowhere here did OP mention building a custom home. Just a lot of people jumped to that conclusion. Sounds like they just want to do a new construction in a neighborhood with a regular home builder. That's exponentially less stressful/ and less expensive than a true custom build. And you can still ...
by rascott
Wed Mar 10, 2021 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth building your dream house?
Replies: 109
Views: 7039

Re: Is it worth building your dream house?

Nowhere here did OP mention building a custom home. Just a lot of people jumped to that conclusion. Sounds like they just want to do a new construction in a neighborhood with a regular home builder. That's exponentially less stressful/ and less expensive than a true custom build. And you can still t...
by rascott
Wed Mar 10, 2021 10:30 am
Forum: Personal Consumer Issues
Topic: Contractor unable to obtain materials, holding deposit
Replies: 8
Views: 1445

Re: Contractor unable to obtain materials, holding deposit

What kind of specialty wood is this? I was just in lowes last week buying lumber and seemed pretty fully stocked with everything I needed for the project
by rascott
Tue Mar 09, 2021 7:49 pm
Forum: Personal Consumer Issues
Topic: Using OBD2 scanner to evaluate used car buying
Replies: 102
Views: 4749

Re: Using OBD2 scanner to evaluate used car buying

You're buying a 2017 or newer used Sienna. Your much bigger problem is going to be actually finding one. I've been trying to buy one for over a month, they all sell instantly if in good condition and priced right. I've yet to see a single one offered by a private seller. All dealers either off lease...
by rascott
Mon Mar 08, 2021 1:31 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4405
Views: 338076

Re: Small Cap Value heads Rejoice !!!

Over the past year I've become less and less enchanted by a presumed rebalancing bonus as I've read through the affirmative and negative debates. I think I'll continue to contribute more in lacking positions as I'm still accumulating but don't see myself rebalancing with in my equity allocations. W...
by rascott
Mon Mar 08, 2021 12:18 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4405
Views: 338076

Re: Small Cap Value heads Rejoice !!!

Let's just rejoice! +3% today.
by rascott
Tue Feb 23, 2021 9:40 am
Forum: Personal Finance (Not Investing)
Topic: IRS cashed check for 2019, but no record of filing?
Replies: 8
Views: 467

Re: IRS cashed check for 2019, but no record of filing?

ParlayBogle wrote: Tue Feb 23, 2021 9:14 am Ok this also seems to explain why I never received my second EIP payment. Hopefully this gets settled before the next round of payments goes out.
Highly doubtful. I have an issue with a 2018 return they still haven't gotten around to resolving
by rascott
Tue Feb 23, 2021 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Any taxes owed on gifted interest of vehicle?
Replies: 4
Views: 236

Re: Any taxes owed on gifted interest of vehicle?

No, I realize I don't owe any gift tax. But I think when I was put on as co-owner, that was considered a gift of half the interest in the van. So I'm wondering if I am liable for any capital gains tax. Not sure what my cost basis would be. I believe your basis would be the value when you were gifte...
by rascott
Tue Feb 23, 2021 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Used Car Loan Rates
Replies: 4
Views: 396

Used Car Loan Rates

Any leads on a great rate for a lender on a late model used car purchase (from dealer)? I've used Lightstream in past for a couple similar loans, but not as impressed with their current rates (3.19%)..... in past years was closer to 2%. I do love their process and that they don't tie up title, but r...
by rascott
Mon Feb 22, 2021 7:40 pm
Forum: Investing - Theory, News & General
Topic: If you bought Bitcoin, when do you plan to sell?
Replies: 396
Views: 32489

Re: If you bought Bitcoin, when do you plan to sell?

I bought a few hundred bucks of BTC when coinbase launched several years back. I think it was about $700 or so. I login on my phone every once in a while and just laugh. Told myself when I bought it I would hold for at least a decade and see what happens.
by rascott
Mon Feb 22, 2021 3:49 pm
Forum: Investing - Theory, News & General
Topic: My unusual buy-only LEAP strategy
Replies: 29
Views: 2430

Re: My unusual buy-only LEAP strategy

You are very mildly leveraging your portfolio slightly beyond 100% equities, and in a defined risk scenario. Seems fine to me.