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Re: Rental market implosion in Lakewood- implications
How much is the mortgage on the same townhouse? In some markets your monthly mortgage bill (after 20% down) is less than rent on the same property.

If renting, I'm not building equity and my rent might go up if the market tightens.
rental income for full townhouse should be min. $1600 and for basement Min. $800    should almost cover a mortgage if someone put down 20%.

and a side note is that people need real lessons in finance to explain that you can't buy a house with an assumption that you will have a basement renter for 12 months out of a year.  way to many people make that mistake and get into problems...

May 02, 2017, 10:16:46 AM
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Re: Rental market implosion in Lakewood- implications
and a side note is that people need real lessons in finance to explain that you can't buy a house with an assumption that you will have a basement renter for 12 months out of a year.  way to many people make that mistake and get into problems...
Many basement rentals in Lakewood are 3 BR apartments, not 1 BR dumps. They're suitable for young families, not just newlyweds. It's not so unreasonable to expect a degree of stability once you have a tenant.

May 02, 2017, 10:24:58 AM
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Re: Rental market implosion in Lakewood- implications
rental income for full townhouse should be min. $1600 and for basement Min. $800    should almost cover a mortgage if someone put down 20%.

and a side note is that people need real lessons in finance to explain that you can't buy a house with an assumption that you will have a basement renter for 12 months out of a year.  way to many people make that mistake and get into problems...
A year ago it was a given and all the agents were selling high ticketed houses with that sales pitch.

May 02, 2017, 10:37:14 AM
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Re: Rental market implosion in Lakewood- implications
At best the mortgage payment would be a wash even after factoring in equity, more likely a losing proposition vs renting. As far as the fear of being squeezed down the road by rising rent prices, rent prices are almost certain to rise but that would only factor in to your rent vs buy calculation if you think house prices will be rising as well. If you think the market is softening (which in all likelihood it is) then it makes sense to take advantage of the low rent prices now, and then buy when rent prices start to go up....
+1

From an economic perspective, the average Lakewood family living on a budget should definitely be renting at this time.

Iv run the numbers, it makes zero economic sense to purchase new construction now...

May 02, 2017, 12:38:40 PM
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Re: Rental market implosion in Lakewood- implications
being unable to pay your mortgage payment can be very effective in getting people to adjust

If everyone acted rationally and was financially responsible 80% of Lakewood would be wearing hand me downs and the Voice Of Lakewood would be a whole lot thinner...

May 03, 2017, 10:49:03 AM
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Re: Rental market implosion in Lakewood- implications
Is this the start of a trend where we will see newlyweds/young couples living in 5 bedroom 3 bathroom homes?

If they can afford it it'll leave them a lot of room to grow.

May 04, 2017, 12:22:38 AM
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HTs for sale - $5 each - NO FEE UNLESS YOU GET HT! I will forward you links to cheap stuff on amazon, which you can post here.  I ONLY GET PAID IF YOU GET A HT!

examples of cheap stuff https://www.amazon.com/gp/product/B01E3KIQ4O/ref=s9u_qpp_gw_i2?ie=UTF8&fpl=fresh&pd_rd_i=B01E3KIQ4O&pd_rd_r=10WSDTWV3E6N8PBEGXX0&pd_rd_w=kjhnR&pd_rd_wg=WJYnB&pf_rd_m=ATVPDKIKX0DER&pf_rd_s=&pf_rd_r=4JT2PE21RFG25C4G24NP&pf_rd_t=36701&pf_rd_p=1cf9d009-399c-49e1-901a-7b8786e59436&pf_rd_i=desktop


May 11, 2017, 10:08:14 PM
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Re: Amazon DD Bookmarklet: Have Chrome Make A DDF Friendly Link On Amazon
Nice! Now I can help 2 causes while I shop online!! What a world we live in!!
3 as DD gives tzedaka on earnings as well :)
Thanks for your support!

June 14, 2017, 11:13:25 AM
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Please (Make and) Post your Kiddush Hashem-Honesty Story In light of all the recent negative coverage of the frum community I thought its important to make an extra effort to make a kiddush Hashem- especially in all honesty related matters.

Sharing your Kiddush Hashem or honesty story is in itself a Kiddush Hashem- and you are encouraging others to do the same.

I will start with my little story which occurred this week:

I dropped my Keurig water container and some of the parts fell off. I couldn't figure out how to reassemble the parts so I called Keurig customer service and the rep said as a courtesy they will send me a new water reservoir for free. (Cost about $30 on amazon) She asked for my shipping address and I actually cringed a little when I specified Lakewood as my town.

She said it would take 7-10 business days to arrive but I wanted a coffee now :)  so when I hung up the phone I tried again and was able to figure out how to snap back the parts and my Keurig was back in service!

My initial thoughts were- great! I fixed it and I will also be getting a free backup in case it breaks again! Surely a huge company such as Keurig won't care, and at the time it was really broken- so totally legit!

But then I thought again about all that's going on and remembered cringing when I mentioned 08701. I said to myself even if legally and Al Pi Halacha I'm perfectly entitled to take the free water container, I will still make an extra effort to be 1000% honest and in addition though there's only the slimmest chance I will get the same rep, maybe somehow it will get noticed and I can make a Kiddush Hashem.

I called back to cancel the free part and lo and behold I got the same rep! She said I remember you and thanked me for reporting that I had fixed it myself- and yes, she did cancel the free part shipment- but I'm still very happy I took a small step toward impeccable honesty and making a kiddush Hashem.

I hope this will be one of many stories to come.

July 06, 2017, 06:14:44 PM
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Re: Please (Make and) Post your Kiddush Hashem-Honesty Story A wholesaler received a delivery which included several items he had not ordered (or paid for). He contacted his salesman who told him to keep it! He refused to keep it and sent it back- he didn't pay for it and did not want to keep it.
At the company's trade show the salesman went around introducing him as the most honest guy in the business!

July 06, 2017, 06:43:46 PM
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Re: Please (Make and) Post your Kiddush Hashem-Honesty Story Great idea for a thread!  BTW, I recall a similar thread, but I may be wrong. Here's one from yesterday, I was shopping in a local grocery, and noticed I didn't get charged for an item because it came up as unlisted. I went back to have them charge it. As I was loading the car I looked over the receipt and I noticed that I was charged $1 for an item that is usually about $7. I went back in again to show the cashier that I was only charged a dollar. She scanned it again. It said the price was a dollar. I said that doesn't make sense, even if it would be on sale it wouldn't be that price. The manager came over and went in the office to check the price, and he updated the system to charge the correct price of $7.69. The cashier who was non Jewish was very impressed with the honesty and thanked me for being honest. Not that this should be a big deal, but sometimes little things that should be that way anyway,  get noticed.
July 06, 2017, 06:46:41 PM
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Re: Please (Make and) Post your Kiddush Hashem-Honesty Story Don't know if this counts, but...was on a trip to Wahington DC with a friend, and came across a wad of bills on the floor in a grocery store. $100 bills. 9 of them. I went to the counter and asked loudly if anyone had lost, or heard of someone losing a large sum of money. One women started shaking her head no, then patted her pockets and her eyes went wide in shock. She said, "Yes, I had a bunch of money here and it's gone!"

I asked her how much it was, and she thought for a minute and then said, "$900." Gave it to her, continued on my vacation.

July 06, 2017, 07:03:10 PM
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Re: Please (Make and) Post your Kiddush Hashem-Honesty Story  A few years back I found a cell phone lying on the curb on a block right near BMG. I turned it on and it was obvious that it was not from a local resident. By searching through the contacts I was able to call the owner who turned out to be the wife of a pastor in Howell, a therapist who had been treating a kid near BMG. She knew she had dropped the phone in that vicinity of the kids house, and she and her husband were shocked when I drove over to drop off the phone by her door. She said if she had lost the phone elsewhere there's no way anyone would have gone through the effort that a guy from Lakewood did to get it back to her...
July 06, 2017, 07:05:52 PM
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Re: Please (Make and) Post your Kiddush Hashem-Honesty Story I went through a cash toll in NY a few years back, and got too much change back, maybe $20 or $30 extra, don't remember exactly. At the next toll, I gave it to the person in the tollbooth, and explained to her why. She said that this was the second time that month that "one of you guys" (while looking at my yarmulke) did something like this.
July 06, 2017, 08:53:14 PM
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Re: Please (Make and) Post your Kiddush Hashem-Honesty Story A little background: I buy from a local distributor very often. They are a branch that's part of a larger corporate company (not like Walmart or anything). The guy that manages the local branch is our rep so he (or the store. I'm not sure which) gets commission every time I buy something even if he's not the one that I specifically purchased it from.
They ran a sale. 15% off an item that I needed a large quantity. I purchased about $1800 worth. The order was so big that instead of having the warehouse ship to the store and me picking it up, they delivered t straight to me. Now the way they run a sale is that they invoice full price then add a line item 'discount'. Turns out the guy messed up and gave me a similar but incorrect item which wouldn't work. He was nice enough to give me the original item I needed for the sale price even though the sale was long over. I returned the 2 huge boxes to the store and moved on.
When it came time for me to pay the bills, something didn't add up. Turns out he credited me for the original price but didn't include the 'discount'. So it's like I made like $900 for free!
It's a non Jewish company but the manager I mentioned is Jewish. I debated if I should be upfront or not. In the end I called to tell him. Turns out he was aware of the issue and he knows I'm not the only one it happened to but I'm one of only a few that called it in. He said it's a glitch in the system that corporate has to fix. He was impressed and I'm really glad I fessed up especially since he knew the whole time

July 06, 2017, 09:21:07 PM
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Re: Please (Make and) Post your Kiddush Hashem-Honesty Story I held the door to our apt building open for my gentile neighbor. Don't worry, I made sure the door closed on the Jewish neighbor walking in behind her.
July 07, 2017, 04:04:07 PM
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Re: Please (Make and) Post your Kiddush Hashem-Honesty Story I like where this thread is going.

I bought a dresser on Craigslist from an estate sale.  I found 300k in cash in a hidden compartment. I immediately called the seller and told them I found 100k that was their mothers.

July 07, 2017, 04:38:15 PM
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Re: Please (Make and) Post your Kiddush Hashem-Honesty Story I was in H&M the other day returning a item that costed me about $40. The cashier who did the return was obviously new and mistakenly refunded me the original price of $70. Instead of walking away with the extra funds on my cc, i pointed out his mistake.

He was very grateful and surprised.

July 18, 2017, 02:44:03 PM
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Re: DDFer positive peer review/feedback
Not a dollar over $10. You can add that I drive a hard bargain.
How about this, if you don't pay me $15, I'll leave a negative review

July 31, 2017, 06:40:23 PM
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Equifax hacked!!! https://www.equifaxsecurity2017.com/
September 07, 2017, 06:13:13 PM
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Re: Car Lease v. Buying
looking to buy a car, I see chevy cruz 2017 available for 11k with 0% apr for 72 months. kbb has good ratings on it, is thisa good deal? i'd pay the car off in 4 years at the same rate of leasing

What I'm going to say may belong in JS, but you always imagine a person,  and you I always imagined in a Cadillac Escalade or LX570..... Not a Cruze.

October 16, 2017, 10:16:23 PM
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Re: Wig/Sheitel from the Chinese
My DW is shopping around and from past experience it can cost half a month paycheck at least. Anyone have any experience buying from Alibaba?   And if yes, any very good recommended seller?  Looking to skip out all the "middlemachers" who seem to be making 1-2k on wigs.

Also, it seems like some sellers are specifically marketing to jewish retailers with the hechsher and all:
https://www.alibaba.com/product-detail/alibaba-express-human-hair-kosher-wig_60524771014.html?spm=a2700.7724838.2017115.76.6b782d8fjZhF8Y

You must make a lot of money if it's only half a paycheck  ;)

November 02, 2017, 08:42:57 AM
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Re: Wig/Sheitel from the Chinese I have read on some frum blogs that "buying a wig from china is the worst mistake you can make", no one said their specific experience. I was just wondering if those remarks came from the "middlemachers" who naturally want to stay in business.
November 02, 2017, 01:52:05 PM
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Re: Wig/Sheitel from the Chinese Wife just bought one a month ago.
She will probably return it as she is not happy with the color but if you get the color right than it can be a perfect shaitel.
if she keeps it she will need to add highlights and cut it locally.
She says it is exactly like the ones you would buy at a shaitelmacher.

November 02, 2017, 06:19:43 PM
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Re: Wig/Sheitel from the Chinese
That doesn't bother me. Between me and you most shaitel machers get it from China. Its just a matter of finding the right seller to deal with
True, but without a hechsher it is like buying food without a hechsher because you know that the kosher company also get it from China.

November 04, 2017, 11:54:09 PM
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Re: Wig/Sheitel from the Chinese
True, but without a hechsher it is like buying food without a hechsher because you know that the kosher company also get it from China.
The question is whether it is an item which needs a hechsher.

November 04, 2017, 11:57:40 PM
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Re: Wig/Sheitel from the Chinese
You must make a lot of money if it's only half a paycheck  ;)
Was thinking the same, or maybe it’s just my wife’s expensive taste. It will not be the first time that she has the most expensive taste in the store.

November 05, 2017, 06:11:09 PM
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Re: Prison
I work in one. What do you want to know?
How many are there for not reading the T&C?

November 29, 2017, 08:02:22 AM
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Re: What's your predictions for 2018?


מיניה וביה אבא לשדיה ביה נרגא!

In English, the word English should always be capitalized.

I've been waiting over 5 years with bated breath for someone to say that! Finally I can breath again!

December 27, 2017, 11:26:43 PM
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Re: Women in Jewish magazines
I don't recall that.
Maybe it was the Muslim forum I am on. With all this talk about women not being able to do things I am getting the two forums mixed up.

January 01, 2018, 02:16:40 PM
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Re: Women in Jewish magazines
Maybe it was the Muslim forum I am on. With all this talk about women not being able to do things I am getting the two forums mixed up.
Easy mistake to make, but not too hard to tell them apart. Only one of them will kidnap and dismember you for practicing the wrong religion.

January 01, 2018, 02:20:33 PM
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Re: Women in Jewish magazines Poll needs more choices
January 01, 2018, 02:26:14 PM
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Re: Women in Jewish magazines Like?
January 01, 2018, 02:27:14 PM
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Re: Women in Jewish magazines
Easy mistake to make, but not too hard to tell them apart. Only one of them will kidnap and dismember you for practicing the wrong religion.
When I get real confused I just start my comment "On DDF" and see if they go crazy.  :)

January 01, 2018, 02:28:21 PM
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Re: Women in Jewish magazines
So all the 'religion based' decisions comes down to money. Interesting.

No, all the business decisions come down to money.

January 01, 2018, 02:35:31 PM
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Re: Women in Jewish magazines

That does not sound like a reasonable response. See chava for example of what happens when you make whats mutar assur.
???   Oh yes??? How much does the חובות הלבבות elaborate on ...היו פורשים משבעים שערים של היתר שלא ליכשל בשער אחד של איסור? What does the mishna in Avos mean with all the גדרים וסייגים?

January 02, 2018, 03:00:00 AM
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Re: Women in Jewish magazines it doesnt adapt according to the way the hamon am might want it to
January 02, 2018, 09:06:06 PM
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Re: Do you Daven?
What paragraph are you disputing? The first is pretty indisputably true; we can argue about extant and effects.
Pretty much all of it. What makes the first paragraph indisputably true? Your empirical observations? My empirical observations in my own community and family are equally valid

January 10, 2018, 08:19:46 PM
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Re: YouTube Creators new monetization policy. Get more subs.
My videos get maybe 100 views a year each, except for one that's at around 13k/yr. I turned off ads a while ago, I figured the pennies I may make isn't worth putting a viewer through the annoyance.
Pfft. I'm laughing all the way to Starbucks.

January 17, 2018, 12:42:33 AM
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Re: Why do some Jewish communities prohibit women from driving?

Someone is living in la la land
-100 many women won't break the visible rules but will have a smartphone because הנני בחדרי חדרים מי רואני
While I have no interest in having in arguing about this, if you take the the majority of Chassidishe Women from BP, Willi, Monsey, KJ ( Lakewood I'm assuming is different but I may be wrong ) the majority of Chassidishe women don't have smartphones.

That said you can start a new thread what categorizes a Chassidishe Women...

I hate an argument about facts when it's not technically possible to prove one way or the other...

I rest my case

January 29, 2018, 09:59:14 AM
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Re: Jewish Music (New CDs, hock, and opinions)
Somewhere many pages ago that I can't seem to find there was a mention of composers that have just one hit song and that's it.

I was wondering who could be put on that list
YouTube has someone listed for מה אשיב (you know the song some love and some hate every chol hamoed) I think it's avinoam wolfson - never heard of him.

Tov lehods was composed by Yo Aisentark who has written other songs too but none nearly as popular.

I guess כי הרבית could go on the list too.

Anything else come to mind?
I could think of a few. Some may have more than one song, but not more than a few.

R' Avi Fishoff (of Twisted Parenting) - Shabbos in Mezshbish (and I guess Hearts of Gold) https://mostlymusic.com/products/shabbos-in-mezibuz-sheves-achim-triple-cd?variant=835212841

Rabbi Menachem Davidowitz (Rosh Yeshiva in Rochester) - In Ah Vinkele (Tatte Tatte) https://mostlymusic.com/products/lshem-shomayim-cd?variant=835246933  https://mostlymusic.com/products/volume-1-2-3-cd?variant=1037301789

R' Moshe Schmeltzer (Menahel of Telshe Chicago) - Yehuda Green's Teshuasam https://mostlymusic.com/products/yehuda-green-barcheini?variant=1014507045

Just a few offhand

February 27, 2018, 12:28:41 PM
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Re: Prison
For some of those old ladies it's an easy ticket to a free retirement community.
Cliff notes for the article

March 19, 2018, 06:58:51 PM
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Re: "כאלה" You can all amuse yourselves by clicking this as many times as your heart desires.
www.youtube.com/watch?v=XJ6PHClN-VM&t=1m19s

April 01, 2018, 09:36:37 PM
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Re: Corny Jokes & Bad Puns Thread Via https://www.facebook.com/almamariacarter/posts/987546538068851

A dangling participle walks into a bar. Enjoying a cocktail and chatting with the bartender, the evening passes pleasantly.

A bar was walked into by the passive voice.

An oxymoron walked into a bar, and the silence was deafening.

Two quotation marks walk into a “bar.”

A malapropism walks into a bar, looking for all intensive purposes like a wolf in cheap clothing, muttering epitaphs and casting dispersions on his magnificent other, who takes him for granite.

Hyperbole totally rips into this insane bar and absolutely destroys everything.

A question mark walks into a bar?

A non sequitur walks into a bar. In a strong wind, even turkeys can fly.

Papyrus and Comic Sans walk into a bar. The bartender says, "Get out -- we don't serve your type."

A mixed metaphor walks into a bar, seeing the handwriting on the wall but hoping to nip it in the bud.

A comma splice walks into a bar, it has a drink and then leaves.

Three intransitive verbs walk into a bar. They sit. They converse. They depart.

A synonym strolls into a tavern.

At the end of the day, a cliché walks into a bar -- fresh as a daisy, cute as a button, and sharp as a tack.

A run-on sentence walks into a bar it starts flirting. With a cute little sentence fragment.

Falling slowly, softly falling, the chiasmus collapses to the bar floor.

A figure of speech literally walks into a bar and ends up getting figuratively hammered.

An allusion walks into a bar, despite the fact that alcohol is its Achilles heel.

The subjunctive would have walked into a bar, had it only known.

A misplaced modifier walks into a bar owned a man with a glass eye named Ralph.

The past, present, and future walked into a bar. It was tense.

A dyslexic walks into a bra.

A verb walks into a bar, sees a beautiful noun, and suggests they conjugate. The noun declines.

An Oxford comma walks into a bar, where it spends the evening watching the television getting drunk and smoking cigars.

A simile walks into a bar, as parched as a desert.

A gerund and an infinitive walk into a bar, drinking to forget.

A hyphenated word and a non-hyphenated word walk into a bar and the bartender nearly chokes on the irony.

April 22, 2018, 03:22:24 PM
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Re: Corny Jokes & Bad Puns Thread Oh no, a thread for bad puns? (a redundant redundancy, if ever there was one). This thread is going to quickly become the most ignored thread on DDF.

Anyhoo, here are a few:


April 22, 2018, 09:40:10 PM
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Re: Parsonage
anyone?
maybe because you have to certify that you are against insurance? " I certify that I am conscientiously opposed to, or because of my religious principles I am opposed to, the acceptance (for services I perform as a minister, member of a religious order not under a vow of poverty, or Christian Science practitioner) of any public insurance that makes payments in the event of death, disability, old age, or retirement; or that makes payments toward the cost of, or provides services for, medical care. (Public insurance includes insurance systems established by the Social Security Act.)

April 24, 2018, 01:29:59 AM
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Re: Anyone famous here?
Cameo appearance on DDMS
http://www.dansdeals.com/archives/114317#comment-1312093
I think shes on the forums as well.

April 27, 2018, 02:04:49 PM
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Re: Anyone famous here?
Well well played.
  If not for that one ddfer spoiling it in his post explaining your joke. >:(

  Can't believe you dont even have one like from that joke?
@jj1000 did you start billing members for each like that a member clicks? Deffenitly seems like it.
There were no likes back then.

May 01, 2018, 03:28:16 PM
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Re: Jokes Master Thread  :o
June 24, 2018, 01:01:53 PM
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Kennedy Replacement DDF Shortlist 1. Scalia's ghost.
2. Ben Shapiro.
3. A second seat for Thomas.
4. @henche

June 27, 2018, 03:47:50 PM
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