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Re: The Unemployment Game Plan

Can your spouse's salary support all the monthly expenses minus your paycheck?
by Mingus
Thu Apr 17, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: The Unemployment Game Plan
Replies: 12
Views: 684

Re: Mr. Money Mustache: Hero or Foolish?

Everyone says we need to all be consumers to keep our economy going, but what if we could all just have less stuff, all work less, and all be happier, have more time with our families and strengthen our local communities. I think this would actually make people less happy, but that's another discus...
by Mingus
Tue Apr 15, 2014 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 225
Views: 23636

Re: Basic Home Theater System Recommendations

2. Have HDMI and Digital Optical Audio in puts Why do you think you need HDMI and Optical Audio inputs? I don't know about the OP, but I have a tv. The tv has speakers. They aren't that good. I want to add an audio system to use for the sound that would otherwise come from my tv. I'm in the same bo...
by Mingus
Fri Apr 11, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Basic Home Theater System Recommendations
Replies: 18
Views: 909

Re: Problem With New VCR Tapes

Alf belongs in the trash can. Terrible terrible sitcom.
by Mingus
Tue Apr 01, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 22
Views: 1729

Re: Lowes Install Services- anyone use them for a new bathro

I wouldn't hire Lowes, or Home Depot, or any box store for anything like this. It will be more expensive, and lower quality. They contract out to the lowest bidder contractors. And then inflate the price to more than you'd pay a reputable contractor who does good work. Bottom line: Higher price, low...
by Mingus
Thu Mar 27, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Lowes Install Services- anyone use them for a new bathroom?
Replies: 22
Views: 1772

Re: Cedar Plank Siding

There is a Japanese company that makes a beautiful cement fiber siding. Makes Hardi brand look like it came from K-Mart. They have a factory in the United States. When I saw it at the lumbar store, I thought it was real cedar. This is what you want: http://www.nichiha.com/products/detail-dev/sierra-...
by Mingus
Thu Mar 20, 2014 1:30 am
 
Forum: Personal Consumer Issues
Topic: Cedar Plank Siding
Replies: 14
Views: 988

Re: Bogleheads Stance on Home Buying

Professor Emeritus wrote:
A house you live in is ALWAYS an investment. It may be a good or bad investment but it's an investment


Some houses precipitate an investment in lots of tools, time, and labor.
by Mingus
Tue Mar 18, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Stance on Home Buying
Replies: 61
Views: 4570

Re: Dealer Margin on Trade Ins vs New

Why would they? It isn't like you car is unique. If you don't want to sell it to them, they can just go out to a wholesaler and pick one up at the value where they can get their desired profit margin. Why would they??? To get a sale, to get repeat sales, and to generate referrals. There was no way ...
by Mingus
Tue Mar 18, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Dealer Margin on Trade Ins vs New
Replies: 15
Views: 689

Re: Dealer Margin on Trade Ins vs New

It's better to think of it as two separate transactions - regardless of how they pitch it. You are buying a car from them, and they are buying a car from you. It is two separate transactions. I had a fun experience a long time ago with a car dealer. They refused to tell me what they would give me o...
by Mingus
Tue Mar 18, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Dealer Margin on Trade Ins vs New
Replies: 15
Views: 689

Re: Did you retire in your 30s?

I'll never understand the concept of being bored due to not working. I can understand the desired to be a productive member of society, and being unfulfilled without that, but bored? I haven't been bored since I got Commodore 64 in 1985. I think there is a confusion among people not being able to d...
by Mingus
Fri Mar 14, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 55
Views: 5294

Re: Kitchen Renovation: Go big....or not?

Its hard to comment without seeing a floor plan. I'd be inclined to leave the kitchen where its at, and somehow configure the small eating area to be absorbed by the rest of the kitchen. Maybe the geometry in the kitchen would allow a center island? But again, without knowing what the floor plan loo...
by Mingus
Fri Mar 07, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Renovation: Go big....or not?
Replies: 25
Views: 1846

Re: Planning first trip to Oregon and Seattle - advice sough

I used to live in Ballard. If you stay there be sure to go to Ray's Boathouse. Great Restaurant right on the water in Shillshole right up the street from Ballard. But I'd be inclined to stay in Capitol Hill instead of Ballard. Ballard is a great place to live, but capitol hill would be better to vis...
by Mingus
Wed Mar 05, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 40
Views: 1672

Re: Water heater - gas or electric?

we were thinking of replacing this one before we take a long traveling vacation. Last summer we had a leak from our A/C and we had to rip out the padding from the carpet. Before we have it all replaced we want to have a newer water heater that hopefully won't leak for a while. When I go away for wo...
by Mingus
Wed Mar 05, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 2744

Re: Amazon 10% Fed refund bonus with TurboTax

Anybody have any luck with this?

I mean with the gift card code actually showing up in your email inbox? I don't want to use my whole return for this. But enough of it to cover the cost I paid for TT, plus a little more.
by Mingus
Tue Mar 04, 2014 2:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Amazon 10% Fed refund bonus with TurboTax
Replies: 30
Views: 5207

Re: Used $35k Porsche on $64k income?

I used to work with a guy who had an income around 64K. He had always wanted a Porsche. So around the late 2008 time frame, when car sales were in the tank, he bought a really sweet low mileage late model Boxster for a pretty good price. That car was nice! Less than year after he bought it, I went t...
by Mingus
Tue Mar 04, 2014 1:12 am
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6389

Re: Should I become sole provider for fiance?

After being married a couple of years we got a strange phone call from a used car dealer. He was married to an ex of mine that on the day she got her masters/CPA degree/license filed domestic abuse and divorce charges against him. He asked for me to show up in court next to him. To all appearances ...
by Mingus
Wed Feb 19, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6005

Re: Flipping houses

Its a good idea when you can get them for a good price. You enjoy the work. And you actually rehab them, and not just shoddily affix some cosmetics to them.

I would be very leery of ever buying a home that had been flipped.
by Mingus
Wed Feb 19, 2014 2:19 am
 
Forum: Investing - Theory, News & General
Topic: Flipping houses
Replies: 12
Views: 1390

Re: Continual phone solicitation by a debt consolidation com

I had a rash of these calls last December through most of January.. The first one was a "robot" asking if I had payday loans. I didn't realize it was a robot so I thought I'd just mess with the guy. Then "he" transferred me to a real person. So I make up a load of lies about havi...
by Mingus
Wed Feb 19, 2014 2:08 am
 
Forum: Personal Consumer Issues
Topic: Continual phone solicitation by a debt consolidation company
Replies: 34
Views: 2063

Re: REAL inflation rate

Inflation seems non existent on some items.

For example, a nice Japanese made Makita grinder my dad bought in the late 80s for around 80 or 90 dollars is still 80 or 90 dollars brand new for a nice Makita grinder still made in Japan.
by Mingus
Tue Feb 18, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: REAL inflation rate
Replies: 36
Views: 1738

Re: Outlook dot com and aliases

Fastmail. I think I can up to ten aliases with my service level.
by Mingus
Wed Feb 05, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Outlook dot com and aliases
Replies: 13
Views: 615

Re: Outlook dot com and aliases

What's the flaw? The security hinges on the password, not the name. Yes, but the name is one part of a two part system. If you can keep both confidential, isn't that better than one? I have aliases on my email. It's great. No matter who has my alias email, they'd never be able to log on. The point ...
by Mingus
Wed Feb 05, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Outlook dot com and aliases
Replies: 13
Views: 615

Re: What interest rate did you get on your car loan?

0.9% for 60 months on a 2013 Camry I bought last year. Saleslady told me originally 0%, but turned out that only applied to 2012s they were trying to move during the big Toyotapalooza. After the sales price was agreed upon, the dealership calculated the cost difference between 0% and 0.9% financing....
by Mingus
Mon Feb 03, 2014 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 3730

Re: What's your dream car?

rob wrote:
Mingus wrote:And I'll add to that, it is a self driving car that will drop me off where I need to be. Find itself a parking spot. Then pick me up right out front when I'm ready to leave.

I think you want a chauffeur not a car - different things :-)


Actually I want a maid.
by Mingus
Tue Jan 21, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8916

Re: What's your dream car?

One that never needs maintenance, never breaks, and keeps itself pristinely clean on the inside and the outside. Quiet on the inside and with a decent sound system. And I'll add to that, it is a self driving car that will drop me off where I need to be. Find itself a parking spot. Then pick me up r...
by Mingus
Tue Jan 21, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8916

Re: Best Buy & Target Stock

I can't speak for Target.

But you might want to visit a couple Best Buys before getting excited. I was up in the Seattle store a few weeks before Christmas, and the place looked like it was going out of business. Dirty and grimy, unenthusiastic sales people, poor selection.
by Mingus
Sun Jan 19, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Best Buy & Target Stock
Replies: 8
Views: 915

Re: Truck/Car Envy....How do You Deal with It?

That "new car feeling" disappears amazingly fast. This always surprises me when I rent a car when traveling. I bought a new car last February. Just recently I returned from a two week trip. Upon returning, and picking my car up from the offsite parking lot it was amazing how nice my car d...
by Mingus
Sat Jan 18, 2014 12:51 am
 
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 4402

Re: Poll: Experience with personal lending

I lent $300 to a friend several years ago to pay for his plane ticket to LA. We both went for an extended weekend and partied with friends living down there for New Years. The plan was, he would pay me back after getting his tax refund. The dude literally brought less than $40 dollars cash with him ...
by Mingus
Fri Jan 17, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Experience with personal lending
Replies: 52
Views: 2181

Re: Truck/Car Envy....How do You Deal with It?

You'll get over it eventually.

Eventually the hatred of payments car/truck payments will overwhelm how nice it is to be driving a fancy new truck.
by Mingus
Fri Jan 17, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 4402

Re: Negotiating with Insurance (Subrogation Claim)

Where you the cause of the flood?
by Mingus
Fri Jan 17, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating with Insurance (Subrogation Claim)
Replies: 16
Views: 1229

Re: Poll: Experience with personal lending

Close to 20 years ago I lent a friend 5 dollars. I think he needed money for cigarettes and beer. It took weeks to finally get him to pay me back.
by Mingus
Fri Jan 17, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Experience with personal lending
Replies: 52
Views: 2181

Re: King sized mattress recommendation?

I also sleep hot and we went with a latex foam mattress and we both love it. I once read a budget suggestion to buy a very firm cheap mattress and then add your own latex foam (or whatever you prefer) topper, so that would be another possible approach. This is exactly what I did. And its been great...
by Mingus
Mon Jan 13, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: King sized mattress recommendation?
Replies: 47
Views: 4045

Re: How do you filter your water?

I use an over the counter RO system. The two carbon filters, and the sediment filter need replacing once a year or so.

Replaces nearly undrinkable city water with water tasting nearly as well as my folks well water.
by Mingus
Fri Jan 10, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: How do you filter your water?
Replies: 77
Views: 3134

Re: Best Financial Advice I Ever Got - WSJ

The best advice I got was when I was 23 years old. And that was to mind expense ratios, and to invest with Vanguard. The same guy also recommended Vanguard's health care sector fund. I did well with that, but have since abandoned it for a larger total stock market approach. I just wish I would have ...
by Mingus
Mon Dec 30, 2013 10:20 am
 
Forum: Investing - Theory, News & General
Topic: Best Financial Advice I Ever Got - WSJ
Replies: 5
Views: 1111

Re: House Cost as a multiple of post-tax income

What's up with the house? Was it renovated in the past by someone with terrible taste, and they messed it up?
by Mingus
Fri Dec 27, 2013 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: House Cost as a multiple of post-tax income
Replies: 18
Views: 1562

Re: Suit [for wedding]

Like a lot of things in life, less expensive products are noticeable to others. A cheap suit will look like a cheap suit. And people will notice. There is a huge difference between a 150 dollar suit from Sears, compared to a 1500 dollar suit made in Italy sold at a high end men's store. There is the...
by Mingus
Tue Dec 24, 2013 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 41
Views: 2043

Re: Car Dilemma

What I would do is: Refinance your car loan to a more favorable rate. And get the best loan interest rate possible on the second purchased car for your husband. Your car is coming up on two years old. Not sure what kind of car it is, but generally tires that come from the factory don't last much lon...
by Mingus
Mon Dec 23, 2013 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Car Dilemma
Replies: 20
Views: 1701

Re: How to fight work place bullying

Standing up for yourself is usually good advice when it comes to male bullying. With female bullying I honestly have no idea. Tread lightly with female bully bosses. Any standing up to them they will view as a challenge. You don't mess with momma bear. Bi polar male bosses are pretty bad too. A bad...
by Mingus
Fri Dec 20, 2013 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fight work place bullying
Replies: 76
Views: 4735

Re: Tipping a taxi driver on a snow day?

I too have noticed that many cabs have rear wheel drive. Why is this? This seems crazy to me in parts of the country with lots of snow and ice. This will be changing over the next few years. The reason most cabs are RWD is because fleet operators have grown to love the panther platform manufactured...
by Mingus
Thu Dec 19, 2013 1:26 am
 
Forum: Personal Consumer Issues
Topic: Tipping a taxi driver on a snow day?
Replies: 36
Views: 2286

Re: Accident, not my fault, will my rate go up?

Does this seem ethical on the part of the insurer, that a person can cause an accident and then simply not answer his phone and tie up the whole process for two months at the expense of the victim? This is the situation I'm in now. My car was hit six weeks ago, and the other person's insurance has ...
by Mingus
Mon Dec 16, 2013 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accident, not my fault, will my rate go up?
Replies: 17
Views: 1281

Re: I'd like to challenge the logic behind a 'disaster fund'

OP: You may not be executing that strategy, but I am. I have no disaster fund. I didn't mention that I am 100% equities (I am) because I don't think it makes much difference. In my case, the only fixed expense I have is health insurance (250 a month, we're young and healthy). No mortgage, no rent c...
by Mingus
Mon Dec 09, 2013 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: I'd like to challenge the logic behind a 'disaster fund'
Replies: 134
Views: 7040

Re: Lusting after higher furnace AFUE rating?

When I bought the replacement igniter from the furnace supply store I casually asked them about high-efficiency furnaces and they discouraged me from even thinking about one. They said that the cost of the required maintenance on the high efficiency units was about $400 a year to maintain the warra...
by Mingus
Fri Dec 06, 2013 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Lusting after higher furnace AFUE rating?
Replies: 12
Views: 993

Re: I'd like to challenge the logic behind a 'disaster fund'

2. Also sounds like an idea you would hear after a 150% increase in stocks. Would you still be proposing this in October 2008? I was just thinking this and laughing to myself. After I was laid off August of 2008, I was glad I had a healthy emergency fund. I didn't touch it, but it was there. When t...
by Mingus
Wed Dec 04, 2013 12:58 am
 
Forum: Investing - Theory, News & General
Topic: I'd like to challenge the logic behind a 'disaster fund'
Replies: 134
Views: 7040

Re: buying car from dealership not close to your house?

As for Hyundai itself -- I just spent over $700 in rear brakes on a car that has 19k on the odometer. I will never buy a Hyundai again. Huh?? How is that possible? What could possibly go wrong with rear brakes in 19K miles? Rear brakes typically last well over 100K miles. Was the parking brake left...
by Mingus
Mon Dec 02, 2013 1:15 pm
 
Forum: Personal Consumer Issues
Topic: buying car from dealership not close to your house?
Replies: 39
Views: 2326

Re: buying car from dealership not close to your house?

I bought my car from the dealership closest to my house. They also pretty much exactly matched the best price I got from a dealer an hour and half away.

Made the the buying process a lot easier.
by Mingus
Mon Dec 02, 2013 12:12 pm
 
Forum: Personal Consumer Issues
Topic: buying car from dealership not close to your house?
Replies: 39
Views: 2326

Re: who here is tempted to pullback on stocks?

I sold about 3% of my equity and put into the G fund last month on one of the "all time high" days. For the past six month, almost 100% of my contributions have been going into the G fund. Two interfund transfers, and two rollovers into the G fund later from external accounts, I'm finally ...
by Mingus
Thu Nov 21, 2013 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 104
Views: 7864

Re: Converting to Safety Razors

I switched several years ago and they are great. For me, Feather blades are way too sharp. I've had the best luck with the Gillette brand safety razors made in St. Pettersburg, Russia. A blade will typically last me a week and half before needing replaced. I presume a blade would last longer if it w...
by Mingus
Tue Nov 19, 2013 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 50
Views: 3783

Re: Land that won't sell: what would you do?

All road frontage is lowlands, thus it's impossible to put in a driveway, thus impossible to build a house. One Realtor who declined to list it said that it would be "difficult to sell at any price" without an easement allowing road access from neighboring highlands to our highlands. What...
by Mingus
Mon Nov 18, 2013 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5957

Re: Land that won't sell: what would you do?

arthurb999 wrote:Subdivide it and gift it to your family... ones with a tax bracket... dontate it... take the tax writeoff and move on.


I believe the land would need a legal access to it before it could be subdivided. And subdividing costs a fortune, in WA state anyways.
by Mingus
Mon Nov 18, 2013 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5957

Re: Getting 16 yr old started in investing

Open her an account, with the parents knowledge. Tell niece about it. Contribute $500 or $1000/year to it, and match any contributions she makes (up to a certain amount...) until she is 25. I doubt she would have any significant contributions until she is past the age of 25. This would at the very m...
by Mingus
Fri Nov 15, 2013 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting 16 yr old started in investing
Replies: 21
Views: 922
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