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Re: I hate vinyl siding! Altenatives?
#1
Home away from home
Home away from home


Bumping this old thread....

If anyone is looking at alternative siding products, check out Eldorado Stone. I ordered samples of their Roma brick line and it was the first time I got an engineered facade stone that looks and feels like the real thing. I am doing one interior wall with the product as part of upgrading a bedroom.

I am hoping that their other styles have similar authenticity. if so, I will be using this product (not the Roma brick) for redoing the outside on two properties in the future ($$$ permitting).

Allied Building Supply (near 440 Home Depot) carries the product.

Posted on: Today 13:19
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Re: Good Thai Food
#2
Home away from home
Home away from home


Quote:

brewster wrote:

Lucky you! My wife has tried but can't quite nail it.


My wife likes Isaan (eastern region of Thailand) food, which tends to be too spicy for many Westerners. We generally go out for it as she doesn't know how to make it. There is a place in Manhattan she likes called 'Larb Ubol'. Another she heard is good is called 'Somtum Der' around Avenue A.

Some of the best Thai food I got is when I went took her and her family to South Thailand. The family ordered traditional Southern Thai off the menu. Incredibly rich and spicy dishes. We also stopped at a place in Surat Thani that had incredible seafood.


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Posted on: Yesterday 8:47
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Re: Required in unit building inspection notices around 07302, what gives?
#3
Home away from home
Home away from home


Quote:

brewster wrote:
Do you have a backyard light?


No exterior violations. I have a high pressure sodium light on a photocell for the back (lights up the parking area).

Unfortunately, I got called into the office by my project manager so I wasn't there for the walk-thru. I am going to have to write to Dept. of Community Affairs to get an explanation.

I think one of the light 'violations' is for having a florescent tube light fixture in one apartment that doesn't have a cover. The tenant has never cared about it and it doesn't cause any harm. I can't get a cover for it (not made anymore), so I was planning to put in a new fixture when the tenant moves out. Looks like I might have to do that sooner.

The tile thing annoys me because now I have to replace it with tiles that won't match.

Posted on: Yesterday 8:34
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Re: What happened to Trolley Car bar?
#4
Home away from home
Home away from home



Posted on: 2/18 17:16
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Re: Required in unit building inspection notices around 07302, what gives?
#5
Home away from home
Home away from home


My latest inspector had a thing for floors. I have ceramic floor tiles with hairline cracks (tenants dropping something heavy on the kitchen floor). Not broken tiles.. just cracks. I am now required to replace these tiles. The problem is, I long ago ran out of spare tiles.

That, and I got a bunch of "Repair or Replace means of egress lighting". I have no idea what the inspector is referring to. All the lights work in the hallways and apartments.

Posted on: 2/18 16:52
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Re: Good Thai Food
#6
Home away from home
Home away from home


I am lucky in this regard. If I want authentic Thai food I just let my wife cook. She makes a really good Pad Thai and fried pork belly.

Posted on: 2/18 10:35
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Re: Amazon US Post office delivery issues
#7
Home away from home
Home away from home


Went to the Post Office today to pick up a couple of packaged. Lo and behold the order that was listed as 'delivered' and assumed stolen was there as well.

Amazon already replaced this previously missing order, so its going back to Amazon.

Posted on: 2/6 13:57
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Re: Trump Our New President
#8
Home away from home
Home away from home


Quote:

JCMan8 wrote:

Witnesses reported the gunmen were screaming Allahu Akbar! Both had a Quebecois accent.



From Gatesofvienna.net

As reported in tonight’s news feed, gunmen shot up a mosque in Quebec City, killing at least five people.

Early news stories gave a bare-bones account of the incident, followed by the Narrative describing “Islamophobia” in Quebec, and a recent increase of Islamophobic incidents.

Then came reports from eyewitnesses who said that the gunmen had been shouting “Allahu Akhbar” as they fired their weapons. That shot holes in the Narrative, too — unless, of course, the shooters were white-supremacist neo-Nazis who were just pretending to be Muslims.

The following video sheds some light on what may actually have happened in Quebec City tonight. It’s taken from the Facebook page of the mosque that was attacked. In it you’ll hear the imam of the mosque discuss the enmity of former members of the congregation who were unhappy with the blasphemous “moderation” of this mosque — that is, the shot-up mosque was full of murtadeen, or apostates.

Tonight’s attack may well have been an execution of Islamic justice against murtadeen by Salafist zealots.

Many thanks to Sandra Solomon for the translation, and to Vlad Tepes for the subtitling:


https://youtu.be/eAbpiNQyTUs

Posted on: 1/30 7:08
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Re: Medical diagnostic testing for people with high deductible plans?
#9
Home away from home
Home away from home


Quote:

jerseymom wrote:


Have you gone directly to Quest or LabCorp with your bloodwork order?


I haven't yet, but its on the 'to do' list. So far going though various doctor offices, they are pretty clueless on handling cash paying patients. The real price is only quoted if you have an HMO or some other insurance paying the doctor. The list prices quoted are basically fiction. i.e. My wife had minor surgery last summer. The list price was about $15k. Actual amount paid: $640. I have under-saved for my old age, so I am trying to not blow my HSA account on over priced routine medical stuff. I am going to need that money staying invested for later.

I think when it comes time for those tests that guys like me (entering middle age) need to get, I might take a trip back to Thailand to have it all done. In May I ended up in Bangkok with a massively annoying ear infection (both ears). Where I was staying was next to Bumrungrad Medical Center which had a night clinic. In 45 minutes I was registered, seen by a doctor, and got meds from the the pharmacy. Total cost: $71 (all cash.. no insurance.. you have insurance you deal with them on your own). My job takes me into a lot of hospitals.. I have never been in a hospital that was a efficient and grand and this one.

Posted on: 1/29 22:10
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Medical diagnostic testing for people with high deductible plans?
#10
Home away from home
Home away from home


Anyone recommend places to go that cater to those paying cash or using an HSA account? i.e. Publish prices for tests (the real price, not the list price).


I have to get blood work done a couple times a year. List price is over $1k through the lab my doctor uses. Actual billed price is about $250 if billed through my old insurance carrier.

I have noticed a dearth of doctors that actually accept cash patients as everything normally goes though the insurance co.

Posted on: 1/29 20:42
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Re: Measles Alert - Jersey City Exposure Risk
#11
Home away from home
Home away from home


oh wonderful. I had blood work done recently as a normal health screening and it turns out I lost my immunity to measles (I had all the vaccines). I was scheduled to go get an MMR shot next month. Think I better go sooner.

Posted on: 1/27 18:01
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Re: Learning Community Charter School
#12
Home away from home
Home away from home


Quote:

jerseymom wrote:
Quote:
You also get things like Egyptian kids filling out the form as African-American.


Not to be confrontational as I'm interested in your experiences. But kids from Egypt are African. Why wouldn't any child with an African mother or father fill out an application accordingly? Are they not African?


Would that also apply to a white kid born in Zimbabwe (aka Rhodesia)?

Posted on: 1/26 14:14
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Re: Learning Community Charter School
#13
Home away from home
Home away from home


http://blog.nj.com/njv_tom_moran/2012 ... _top_nj_charter_scho.html


The dreaded night came on Thursday this year. The grim weather — a chilly drizzle as night fell — seemed fitting for what was sure to be a grim evening.

This was lottery night at Learning Community Charter School in Jersey City. The K-8 school had 30 openings to fill.

The problem: Roughly 1,000 families applied to fill them. Hundreds of them streamed into the auditorium to watch the process live, even though results soon would be posted online.

Posted on: 1/26 11:50
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Re: Jersey City mayor-elect orders end to citywide reval
#14
Home away from home
Home away from home


Quote:

hero69 wrote:
Quote:

Sutherland wrote:
This beautiful Fair Haven home, which just sold for $1.7 mm has real estate taxes of $13,000.00. I'm confident their public schools are better than JC, they have less crime than JC, probably not as many water main breaks, which seems to be a regular occurrence and fewer pot holes.

http://realestate.nj.com/realestate-n ... ng.html#incart_river_home

Of course I anticipate someone telling me to move to Fair Haven if I wanted lower real estate taxes. However, I do think it's a worthwhile metric.

yes, i just love fair haven's proximity to manhattan and their quick access to manhattan!


Grew up in Fair Haven. My Dad's commute to Manhattan was hellish. The commuter trains were horrible back then (1970s, bankrupt Central Railroad). He just ended up driving... Then his car while parked in Manhattan got stolen.

Posted on: 1/26 11:47
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Re: Learning Community Charter School
#15
Home away from home
Home away from home


Quote:

tern wrote:
If you got in, rejoice and take the place, there are hundreds in line behind you!

Robin.


A while back I read an article there were something like 1,000 applicants for a few dozen openings.

Posted on: 1/26 10:07
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Re: When is Trump going to start building the infrastructure he promised
#16
Home away from home
Home away from home


Quote:

JCGuys wrote:
Let's bring the NYC 7 line to Jersey City. I need an alternative to get to work than PATH.

C'mon Trump, make it happen.


I am hoping his planned budget cuts go through (ie. a 20% reduction in the federal workforce) and his infrastructure projects get bogged down in Congress.

The United States has a massive debt bubble to deal with. Right now interest rates are basically negative in real terms, which has made the debt cheap to finance. A lot of the debt notes though are short term. A spike in interest rates will increase debt service significantly.

Other debt issues:

Social Security went cash flow negative in 2010. In the not too distant future, SS payments will be reduced.

Medicare is even in worse shape than Social Security.

State level public pension funds are in terrible shape. If there is a market correction, the chances of a State level pension default(s) is high (IL and RI will probably be the first to go). Since interest rates were kept so low, more and more of the pension assets were invested in higher risk investments (chasing yield). China for example has a very high debt load denominated in dollars. As the dollar strengthens, those debts are going to get harder and harder to service, which will lead to defaults.... which means investors (i.e. pension funds) will have to write off assets.

Posted on: 1/25 12:07
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Re: Trump Our New President
#17
Home away from home
Home away from home


Quote:

Azul_the_Cat wrote:
When is Trump going to get over the fact that he already won the election and get on with doing something other than signing executive orders..


So far his executive orders are in line with what is granted under the Constitutional executive powers. i.e. Restricting VISAs of specific nationalities. Carter did the same with Iranians during the hostage crisis.

Trump first has to get all his Secretaries through the Senate. This takes time and there has been some resistance to a few of the nominees, in particular his pick to run the CIA, who's confirmation was delayed.

What will come next will be the appointments making changes to their respective agencies. I expect a lot of people will be leaving the Dept. of Energy as a start.

Everything else Trump wants will take an act of Congress. The first big battle will likely be over the budget. The Trump budget from what I have read is very close to what the House has proposed. The Senate has already signaled it will resist cutting a number of programs. i.e. Senator Murkowski of Alaska has already pledged to oppose any cuts to taxpayer subsidies of rural airline service.

Posted on: 1/25 9:36
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Re: Trump Our New President
#18
Home away from home
Home away from home


CatDog wrote:
Quote:

$220 million is peanuts compared to how much we give to Israel every year, or how much we spent on the Iraq and Afghanistan invasions, or for Bush's tax cuts. But I never hear Republicans complain about it. Weird.



You will find plenty of criticism on the Right in regards to what we spend on foreign aid and the wars (which ramped back up again under Obama).

As for the tax cuts... Federal revenues (adjusted for inflation) started to climb again after the tax cut and continued until the housing crash in 2007.

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Posted on: 1/24 17:04
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Re: Trump Our New President
#19
Home away from home
Home away from home


Quote:

CatDog wrote:
[quote]
And of course, as his very first executive action he cancelled an FHA loan rate reduction which would have saved a bunch of money for a bunch of people, including me personally.


Whilst Obama's executive order reducing the rates may have helped you, it would have put the taxpayers at risk of another FHA taxpayer funded bailout.

FHA allows people with credit scores as low a 580 and as little as 3.5% down to qualify. These are not people who would qualify in the non-government insured mortgage market and therefore at a much higher risk of default.

The higher risk should result in higher rates for insurance to cover for that risk. That cost should be born by the people who are approved for an FHA loan. Doing otherwise puts the burden on the tax paying public as a whole if again, the insurance payments cannot cover the defaults.

Posted on: 1/24 16:44
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Re: Mayor Fulop Community Organization 'United Clean Streets' Announce Stiffer Penalties for Violators
#20
Home away from home
Home away from home


Does this mean big fines for building owners who have passer-byes throwing a can or bottle into the non-recyclable trash cans during the nightly pickup?

Posted on: 1/24 16:34
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Re: Jersey City mayor-elect orders end to citywide reval
#21
Home away from home
Home away from home


Quote:

brewster wrote:
That property we're discussing shows how ridiculous a disparity there is between comps and cap rates. Ignoramuses like Yvonne have complained about this before, that houses are valued more than commercial, and now it's going to be on steroids.


I suspect there will be many investment properties that are technically residential (4 units or less) that might become cash flow negative after the reval. I wonder if we will have a flood of buildings for sale hitting the market say about six months after the reval take effect?

Posted on: 1/23 19:50
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Re: Likelihood of Fulop Getting Reelected
#22
Home away from home
Home away from home


Short of doing something like eating a baby live on TV, an incumbent in JC generally gets re-elected. Fulop has been a disappointed to me (I wanted more of a reformer and less of a guy wanting to run for governor), but compared to many of the mayors of the past, he hasn't been that bad.

He will get re-elected. Though I have heard rumors that Yun might challenge him.

Posted on: 1/23 17:27
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Re: Jersey City mayor-elect orders end to citywide reval
#23
Home away from home
Home away from home


Quote:

brewster wrote:


the FHA appraisal form uses three different methodologies, comps, rents and replacement. Depends on the appraiser the different weights applied to each method and coming up with the final appraisal. A non-owner-occupied investment 4U should have more weight on rents but the incompetence and venality of appraisers these days is beyond comprehension.[/quote]

I forgot about FHA. I did two 203k loans and they were an experience I would rather forget.

Rent played almost no role in the conventional loans I did years back, which meant I had rather tiny mortgages (and lots of capital stranded in the property). BCB bank was the only one willing to do a mortgage based on rent and improved value. They were also the only bank that gave me a reasonable construction loan.

Other than 203k loans, I financed the bulk of the construction work on credit cards (again.. something I would rather forget).

Posted on: 1/23 17:24
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Re: JC After-School Closings Due to Today's Storm
#24
Home away from home
Home away from home


The storm looks like a regular old Nor'Easter... unless you are in a flood prone area or got a beach house, it doesn't look that bad.

Latest model run (4:25 PM) from GFS, which is having the storm track farther West than the previous model run. This means more wind & waves for the Jersey shore. Previous run hammered the South Shore of Long Island more.

Wind predictions (10 meters in elevation):

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Rain totals

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Snow (in case anyone here is headed to VT or NH for skiing this weekend:

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Wave heights (from earlier today.. not as updated as the others above):

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Posted on: 1/23 17:11
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Re: Jersey City mayor-elect orders end to citywide reval
#25
Home away from home
Home away from home


Quote:

brewster wrote:
At 4U they weight it more as a commercial by rents than a residential by comps, and even the most corrupt appraiser can't make those numbers work. The question is why sell it as a 4U subject to tougher rent based appraisals rather than condos where comps are all?



1 to 4 units is generally considered 'residential' and rents don't count. Pre housing bubble days, I had an issue getting mortgages in part because the comp sales around me were so low. The comparison were useless because they were non-renovated buildings. My rent receivable were 100% to 150% higher, but since I was 'residential' rental income didn't count towards the appraised value.


Posted on: 1/22 21:18
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Re: Amazon US Post office delivery issues
#26
Home away from home
Home away from home


Here we go again... USPS says they left the package yesterday at my door. People were home.. no bell no knock.. and no package. No idea if it was actually left and stolen or what.

USPS did leave other packages, which they generally don't do, and by some miracle they were not stolen.

Posted on: 1/22 15:08
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Re: Required in unit building inspection notices around 07302, what gives?
#27
Home away from home
Home away from home


Quote:

brewster wrote:
These "Green Card" inspections vary tremendously. I've had them just check that emergency lights and detectors are working, and I've had them come up with laundry lists of "violations" that have been that way for many decades of them inspecting.

I had one last year that had a trainee with her, it was brutal. She cited an outlet in ceiling of the unfinished basement that was missing a cover plate.


My previous rounds of inspection went for the cover plates in the basement also. My last one a few weeks ago was pretty much smoke detectors, CO detectors, do the fire rated door springs close the door, etc... If I get an inspector that was looking and horrible shit hole buildings previously, they have commented at being pleasantly surprised when they get to one of mine. This has been less so since the housing has improved so dramatically in the past 15 years.

The only inspection I got hosed on was the state, after ruling differently over a decade earlier, decided I had to have a fire escape on my building. Turns out the original decision that it didn't need one was in error. This came at a time I was really short on funds. $23k later I had a fire escape.

Posted on: 1/20 16:45
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Re: Your Cashless Society
#28
Home away from home
Home away from home


Quote:

brewster wrote:
Quote:

dtjcview wrote:
The Indian gov simply botched getting counterfeit notes under control by rushing the process.


My understanding was it wasn't about counterfeit at all, but the black market, corruption, and unreported income. People who had a lot of "old cash" suddenly had to account for how they got it to turn it into "new cash". The tax collection rate in India is abysmal.


It was 100% about tax collection.

India was the fastest growing major economy in the world prior to the currency cancellation. The economic boom in India is more likely to abruptly halt for the last quarter of 2016 following the insane announcement of November 8, 2016, that India was scrapping the 500 and 1,000 rupee notes. This action has caused a collapse in the velocity of money, which is normally indicative of a depression. This brain-dead decision has drained billions of dollars worth of cash from the economy. Prime Minister Narendra Modi’s crazy action was aimed at tax evasion, which rendered about 86% of Indian banknotes effectively worthless overnight. This has to be the worst economic decision of the past century.

Indians are scrambling to banks with their old notes by December 30, 2016, but the tax implication have others just writing their money off or funneling it through the black market and spreading the money around by using individuals to try to cash in some portion.

Modi’s decision led to a stark US dollar rally for three weeks as the Rupee collapsed by about 4%. The Indian society relies on cash for more than 90% of transactions, and nearly every aspect of daily life has been effected. This was a bold action to force the economy into a fully taxed society all for the benefit of the government, of course. The gold ownership is allowed provided you PROVE you bought it with taxed money.


India also started seizing gold as people were using gold in lieu of cash. It isn't police raiding people's home, but if you hold gold, you have to prove that you didn't buy it with non-taxed funds.

https://www.armstrongeconomics.com/mar ... indias-gold-confiscation/

Posted on: 1/13 12:45
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Re: Maternity ward at JCMC
#29
Home away from home
Home away from home


Anyone here give birth at Englewood hospital?

Posted on: 1/11 17:03
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Re: 25 miles up the Hudson River -- the Indian Point nuclear power plant will be shut down.
#30
Home away from home
Home away from home


Quote:
Actually, it looks like most of it will be replaced with increased transmission efficiency, hydro, and other sustainable energy sources.

NY State already has a target to generate 50% of its energy from sustainable sources. Closing Indian Point is not likely to thwart that goal.


No, it will be replaced with natural gas, which has already replaced much of the coal fired generation in NY state. If you are frightened about gas pipelines, just wait until the 4 nuclear plants in NY state are phased out. There will be a pipeline building boom.

New England governors a couple years back gathered for an emergency meeting. Why? Because coal fired power plants were being phased out faster than the pipeline capacity for natural gas could be expanded. There was a real threat in 2014 that much of New England could be blacked out during cold winters. The price of natural gas spiked in New England due to the delivery restraints.

Hydro is already built out. You are not going to build more dams. The only other hydro option is to buy it from Canada. Vermont does this and the electric rates up there make NJ look cheap. Canada hoses Vermont (hydro is normally cheap.. in Buffalo, commercial hydro rates are around $0.04 per kWh).

Solar, wind, biomass? Here is a chart of what was generated in 2015 (source: Energy Information Agency):

Resized Image


Even if you could magically make solar and wind generate enough power (you won't), it has a fatal flaw. It is not 24/7 and it is not dispatchable (able to ramp up and down based on demand). Unless you plan to strip mine the planet for lithium, cadmium, and nickle, you will never have the storage capacity to make any of these "green" power sources viable. Gas turbine generators (which are not energy efficient compared to a combined cycle plant) have to be on standby to immediately fire up should it get cloudy or the wind changes speed. A baseload power plant (the big ones) can't adjust there output +- by more than 1% per hour typically.

Quote:
Further, citing the potential benefits of nuclear doesn't make the problems of Indian Point go away.
It's too close to one of the most populated cities in the world; it's had lots of small leaks of radioactive isotopes into the Hudson; the cooling system kills fish in the Hudson; it turns out to be sited on top of a fault line.


Just about every power plant needs a place to dump heat (nuclear, coal, oil, combined cycle natural gas). You need a body of water or you need cooling tower. Oyster Creek is being shutdown in part because of the cost of building cooling towers.

As for radioactivity. Its tritium. There is a post somewhere where on JCLIST where this was covered. You can buy tritium glow in the dark jewelry. You will get far more radiation exposure from taking a airplane flight or maybe even from your granite counter tops in your home than you are from Indian Point.

Quote:
While no one likes the idea of having a nuclear plant for a neighbor, if we really want another nuclear power plant, it ought to be somewhere else.



Nuclear will come back. NY state nukes are 40+ years old (i think they are all 2nd generation). Entergy put theirs through a service life extension program, which extended their operation for about 20 more years. When gas was expensive (up until about 2009) nukes were the cheapest 24/7 power out there (excluding hydro). Low gas prices is what is making the old nuke plants not worth running. Generation 3+ nukes are already being built and generation 4 are in the design stages.

Gas won't be cheap forever:

There are 8 LNG plants under construction in the USA (1 I think just went into operation) that will be exporting gas to Asia and Europe.

GTL plants (turns natural gas into oils, naptha, lubricants, methanol, gasoline) have been built, are being built, or are in the planning stages. Plus natural gas in an important chemical feed stock. Once oil prices go back up again, a lot of the gas produced (what isn't exported) will be turned into higher value products (gasoline, plastics, diamonds, jet fuel, diesel, etc). Prices will rise as a result and will hit the pocketbooks of anyone dependent on natural gas generated electricity.

Posted on: 1/10 13:56
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