Recent Posts

Pages: 1 2 3 4 5 6 7 8 9 10
1
My advice:
 Patch the roof yourself using effective, functional, affordable method. Save the real roof funds for when you sell and that way you will be able to recoup as much of the new roof expense as possible in the sale price increase due to new roof. =)


2
I just recently upgraded one of my XP to Windows 7 from NeweggFlash for $100.  All four PCs in our household are from my office that would have been discarded due to age and various virus issues.  They were all purchased by the company in 2004.  I brought them home, reinstalled Windows XP and MS Office 2003 which was going to be thrown out as well.  When Microsoft stopped XP support, I figured I needed at least one PC that would survive if XP apocalypse came along (even though I back up essential files to free Google Drive & Dropbox) and noticed Neweggflash.com having sale on refurbished Lenovo Dualcore 2.33GHz 2GB 160GB HDD with Win7 Home Premium for $99.99.  Windows 7 OS sometimes goes on sale for around $70 so I basically ended up with the PC for $30! 

They usually have ultra cheap machines on sale all the time.  I see that they have single core P4 Win7 for $88 right now.  Since most I do on PC are internet and spreadsheet, low end machines work fine for me.  One plus with getting dual core is that son has been complaining none of machines at home were fast enough for Minecraft game and now he can play the game on the new PC.

3
I raised 3 teens and if they wanted a p.t. job they could have one if their grades were good. I don't think working is right for all kids. Good grades, activities, etc really come first. They have their whole lives to work. That being said you have to decide if this is an expense that you can & want to handle. No different in my opinion then deciding you are going to pay for sports.
4
Welcome and General Discussion / Re: Case Study---Is There Hope
« Last post by Spartana on Today at 04:36:45 PM »
I can't/won't weigh in on most of this  .I *think*, however, there is a Prop 13* loophole for older folks who move to another California  county to a cheaper house which allows them to bring their low prop 13 property tax with them.  I know there is a minimum age...55? 62? 65?  Might be worth checking out to see if you're eligible now or in a few years.  Buying a cheap house with low or no mortgage payment might make it more reasonable to retire.

*Prop 13 is a California thing.  If you aren't in California no reason to try and understand it.
FYI - This is correct. Prop 13 allows you a one time transfer of your property tax basis if you are 55 or older and the new place you buy costs the same as, or less, then the place you sell. This is only good for your primary residence though. So if, say, you bought a house back in ye olde olden times in Cali for $20,000, and had a Prop 13 tax basis of $20,000 and a tax rate of 1% ($200/year - plus a 2% increase/year) and sold it once you were 55 or older for $700,000 and bought a new place for $700,000, then you could transfer you $200 plus/year tax rate to the new place.

Prop 13 also allows you to transfer your property tax basis/rate if your home is sold (at any age) between parents or grandchildren (and visa versa). I did this when I bought my Mom's place and my annual property tax was $300/year rather than the over $1500/year it would have been.
6
Ask a Mustachian / Re: Reader Case Study - Bring on the Face Punches
« Last post by Cassie on Today at 04:35:21 PM »
Most people seek chiropractic care for muscle pain & regular medicine can not do anything but give out meds. Chiropractic care does relieve muscle pain.
7
Thank you - hadn't yet read the super guide - just found it.  Here's a link to it, in case anyone else reading this thread hasn't yet come across it:
http://forum.mrmoneymustache.com/share-your-badassity/communications-tech-son-of-the-superguide!/msg230582/#msg230582
8
If he can't find a much better job he probably is better off staying 4 more years to get rid of the SL debt.  He will have to run the numbers and then job hunt. If he gets a job offer at a high enough rate for him to switch then he should and if not just wait the 4 years.  I did read that a third of all lawyers never practice because there are not enough jobs. Are you open to relocating to a part of the country where there are more jobs in his field?  When I finished grad school I job hunted nationally & then compared the cost of living to job offer, etc.  although I did not really want to move I needed to for a decent job in my field.   
9
Share Your Badassity / Re: Failed to spend $400 today
« Last post by RetiredAt63 on Today at 04:33:08 PM »
My external hard drive is dying but not dead.  I have transferred all the important backups to my new computer, so finding a replacement is not urgent.  I am going to look for a small cheap USB2-compatible replacement.  The one I have now is way too big.  Right now Staples seems to have the best for my needs, but I will keep looking.  Tigerdirect.ca, which is where I usually find my best deals, is not my best source this time.  Given they seem to only last a few years, this is one thing I will buy new.

Any suggestions? Canadian sources please.
10
Ask a Mustachian / Re: Reader Case Study - Bring on the Face Punches
« Last post by warfreak2 on Today at 04:31:44 PM »
Chiropractic is very safe and that is why their malpractice insurance is very cheap. I see one once per month for chronic neck/back pain from a few car accidents and it keeps me pain & drug free.  Yes their are some quacks but know how to separate the good from the bad.  The good ones will never put you on a treatment plan. They will tell you to come back when you need it. The best ones do not have fancy overhead/offices.  Often it is much cheaper then physical therapy. Many insurances now pay for chiropractic care.
The main danger is not that they will hurt you, but that you won't be helped by someone who reads and acts on scientific evidence relevant to their field. Safety isn't the same as effectiveness, and chiropractic just doesn't have an observable benefit over a placebo (i.e. sham treatment from someone who is not a trained chiropractor) in the scientific literature for the vast majority of things chiropractors claim to treat. Insurance companies provide coverage because their customers demand it, not because doctors recommend it; some insurers cover homeopathy too.
Pages: 1 2 3 4 5 6 7 8 9 10