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Re: POLL: why carry cash?

I find myself frustrated waiting for the ones in front of me to dig pennies out of their pocket or purse, trying to find the exact change. . . . I can't say that my observations have concluded this, but I just don't understand why anyone wants to stand in line longer than they need to and walk away...
by Mister Whale
Mon Apr 21, 2014 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 216
Views: 6886

Re: Best tires for Honda Odyssey EX-L 2011?

While I generally like Michelins, I was underwhelmed with the stock tires on my wife's 2011 Odyssey Touring (Michelin Primacy MXV4); this tire's forte seemed to be straight-line dry handling. It also wore out fairly quickly which I suspect to be partly due to the weight of the vehicle. Did a lot of ...
by Mister Whale
Mon Apr 21, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Best tires for Honda Odyssey EX-L 2011?
Replies: 10
Views: 578

Re: The slackening...

What I really want is for my offspring to be truly happy; to be in touch with who he is and what is important to him, and to be realistic about and at peace with his place in the world. Anything else will be icing on the cake. I suspect that he will receive a sizeable inheritance someday; hopefully ...
by Mister Whale
Mon Apr 14, 2014 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 61
Views: 6483

Re: New homeowner: lawn care advice

At my last house I had a large section of yard that I had to dig up for a retaining wall installation. Because it needed to be reseeded anyway, I got about ten cubic yards of organic compost and tilled it into the soil as deep as it would go (about 7-8"). Raked it flat, put grass seed on top, c...
by Mister Whale
Mon Apr 14, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3788

Re: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?

As a car enthusiast I have always opted for two previously owned cars rather than one new car. I just can't see taking the depreciation hit; it's just too big, too much for a new car smell. (My '08 335i -- ZSP, 6mt -- still smells new. I bought it three years ago at 25k miles and put about 5k/yr on ...
by Mister Whale
Mon Apr 07, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?
Replies: 34
Views: 2498

Re: Investing in Physical as well as Financial Health

I don't understand how running on concrete can be worse than running on asphalt if you are wearing running shoes. Is concrete harder than asphalt? Yes, absolutely. Will asphalt deflect under the load of a human foot striking it through a running shoe? It seems that there must be some small amount of...
by Mister Whale
Thu Mar 27, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: Investing in Physical as well as Financial Health
Replies: 39
Views: 2580

Re: Suggestions for Travel- March, VA and NC

So how did it go? BTW these aren't really speed-trap areas, not the ones down Rt 29 or near the BRP anyway.
by Mister Whale
Thu Mar 27, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Suggestions for Travel- March, VA and NC
Replies: 19
Views: 911

Re: Bathroom exhaust fan use strategy

In the wintertime, when there is very little moisture in the air, I would just open the bathroom door (and not open the window).
by Mister Whale
Wed Feb 26, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Bathroom exhaust fan use strategy
Replies: 11
Views: 1668

Re: Suggestions for Travel- March, VA and NC

I would definitely hit Charlottesville. :mrgreen: Between the Downtown Mall and the University (a quick walk on the Lawn -- park at either the Central Grounds parking lot or the 14th Street Parking Garage on the Corner) there's a lot to see and tons of restaurants -- Citizen Burger Bar is pretty goo...
by Mister Whale
Wed Feb 26, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Suggestions for Travel- March, VA and NC
Replies: 19
Views: 911

Re: "Oldies" for young people - what's popular?

The equivalent of today's kids walking around with Hendrix and Beatles t-shirts would have been my high school classmates coming to school in the '80s wearing Artie Shaw and Glenn Miller t-shirts.
by Mister Whale
Mon Jan 27, 2014 12:11 am
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 38
Views: 3242

Re: High Income Earner & College Attended

Dropped out of the engineering school of a prestigious state university.

No complaining about categories from me. :D
by Mister Whale
Mon Jan 27, 2014 12:06 am
 
Forum: Personal Consumer Issues
Topic: High Income Earner & College Attended
Replies: 58
Views: 4106

Re: Private School Funding

In exactly the same boat here. Our personal philosophies were not compatible with those of the teacher at the local Montessori, so we went with a different private school and we're thrilled with our decision. Currently we're socking it away with inVEST accounts and are paying with taxable dollars; i...
by Mister Whale
Sat Jan 04, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 4493

Re: Investing in Physical as well as Financial Health

Mid-40s here. I cut back on weight training and started running last year; ran my first marathon in November. I feel great and hope to do this for decades.
by Mister Whale
Wed Jan 01, 2014 10:41 pm
 
Forum: Personal Consumer Issues
Topic: Investing in Physical as well as Financial Health
Replies: 39
Views: 2580

Re: Investing for Child's Retirement

So far all I'm doing is overstuffing my son's 529 in the hopes of using it as an estate planning vehicle.

I'll be following this topic with interest.
by Mister Whale
Thu Dec 26, 2013 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for Child's Retirement
Replies: 11
Views: 919

Re: Buying snow tires

That is a lot of money; however the cost is somewhat mitigated by the reduced wear on the other set of tires. When the first snow falls, I think that you will feel a deep sense of satisfaction in the security that driving on snow tires brings. At that point it will be money "well spent." U...
by Mister Whale
Wed Dec 18, 2013 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Buying snow tires
Replies: 55
Views: 2899

Re: Buying snow tires

And narrow tires are better in snow? That's TireRack's opinion, and is a general consensus regarding the conventional wisdom on the matter. We can talk about the advantages of wide tires for flotation (and how airing down will assist with this), but stock-to-slightly-narrower is generally what you ...
by Mister Whale
Wed Dec 18, 2013 9:43 am
 
Forum: Personal Consumer Issues
Topic: Buying snow tires
Replies: 55
Views: 2899

Re: Buying snow tires

Looks like I will be buying persformance winter tire s with rims, but am now puzzled with how to buy the rims. Mention was made of buying "inexpensive aluminum rims." My wife works in a local library and this is just for commute to work so nothing special is needed. How inexpensive or exp...
by Mister Whale
Mon Dec 16, 2013 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Buying snow tires
Replies: 55
Views: 2899

Re: Buying snow tires

Another vote for Blizzaks, I think that they are at least as good as anything out there for snow (ice is another story and something that I have very little experience with, but they are at least decent on ice as well). I've had multiple sets on different cars over the years and they are consistentl...
by Mister Whale
Mon Dec 16, 2013 12:24 am
 
Forum: Personal Consumer Issues
Topic: Buying snow tires
Replies: 55
Views: 2899

Re: comments on small luxury SUV options? Want safer auto.

Would not agree that SUVs are "safer". In front collisions, they may be. However, they are much more prone to rollover, which makes them less safe than other vehicles (eg cars). If you do get an SUV, the electronic stability control is supposed to make them less likely to roll over, but I...
by Mister Whale
Thu Nov 21, 2013 11:31 am
 
Forum: Personal Consumer Issues
Topic: small luxury SUV options? EDIT: the hunt is over
Replies: 31
Views: 3300

Re: Gloves & working with food

As someone who has 25 years experience in the food industry (working with the ever-changing food safety regulatory machine), I can emphatically state that gloves are primarily to present the *appearance* of sanitation. Secondary beneficiaries include the glove manufacturers and the owners of landfil...
by Mister Whale
Wed Oct 30, 2013 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Gloves & working with food
Replies: 32
Views: 1372

Re: Best Sofa with Young Children

I have one of these: Mytee-Lite 8070. :D It will clean anything out of my upholstery, carpet, car, etc.

Get the sofa that you want. Just be prepared to clean it.
by Mister Whale
Fri Oct 25, 2013 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Best Sofa with Young Children
Replies: 38
Views: 2000

Re: How Much Does Vehicle Safety Matter?

I'm surprised no one has mentioned back-up cameras. Have they been proven effective? Some of those SUVs have really long blind spots for a toddler. I can't imagine anything worse than accidentally killing your own child. A recent opinion piece written by a pediatrician who sadly did just that. (It ...
by Mister Whale
Fri Oct 25, 2013 4:45 pm
 
Forum: Personal Consumer Issues
Topic: How Much Does Vehicle Safety Matter?
Replies: 55
Views: 3052

Re: Speaker Jumper Cables

I decided to puzzle over the gold vs. silver and just used some decent speaker wire I had around. The sound is much better, They didn't come with the jumper, and whatever I had done shook loose during a recent move. The speakers are a wonder: http://www.soundstage.com/revequip/silverline_sonatina.h...
by Mister Whale
Sat Sep 14, 2013 9:40 am
 
Forum: Personal Consumer Issues
Topic: Speaker Jumper Cables
Replies: 19
Views: 1287

Re: Attic Sealing & Insulation...

All the air sealing seems like overkill to me, especially on a recently constructed place. Not necessarily so. Remember, building codes are the absolute minimum required by law and many builders will do the absolute minimum acceptable job. In places like DC where the heating season is short, attent...
by Mister Whale
Wed Sep 04, 2013 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Attic Sealing & Insulation...
Replies: 40
Views: 3007

Re: Is 50 the new 20?

pointyhead wrote:If 50 is the new 20 does that mean I have to learn what "twerking" is?? :oops:



Check with your children first. :D

NYTimes: Explaining Twerking to Your Parents
by Mister Whale
Mon Sep 02, 2013 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Is 50 the new 20?
Replies: 12
Views: 1820

Re: NOT saving for college

This thread reminds me of all my friends/ex friends who stopped having a social life when the kids were born, Their Facebook pages are their kid's....they stopped our boating trips....quit most social activities. I just don't get it. My kids enrich my life....they don't consume it I am very sorry t...
by Mister Whale
Mon Sep 02, 2013 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: NOT saving for college
Replies: 112
Views: 7787

Re: Schooling for a 2year and 4 year old

I'm going to go with a Warren Buffet quote: "The power of unconditional love. I mean, there is no power on earth like unconditional love. And I think that if you offered that to your child, I mean, you’re 90 percent of the way home. There may be days when you don’t feel like it — it’s not uncri...
by Mister Whale
Tue Aug 27, 2013 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Schooling for a 2year and 4 year old
Replies: 58
Views: 3201

Re: car maintenance ... how to save

There are a lot of Honda forums and youtube videos with Do-It-Yourself instructions, if you have the time and desire to tackle some of these yourself. Like others have said, I believe your car has a timing chain, not a timing belt. The timing chain does not need to be replaced. I would not do the w...
by Mister Whale
Sat Aug 17, 2013 7:23 pm
 
Forum: Personal Consumer Issues
Topic: car maintenance ... how to save
Replies: 37
Views: 2680

Re: VW Bug Convertible

Get what appeals to you. Nod politely and then ignore those folks who proclaim that you should avoid certain cars because of their perception of the car's target demographic.
by Mister Whale
Thu Aug 15, 2013 2:19 pm
 
Forum: Personal Consumer Issues
Topic: VW Bug Convertible
Replies: 11
Views: 536

Re: Classic Car for Teen Driver(?)

OP, I'm glad to hear that your son is doing well. Thanks for the update.
by Mister Whale
Sun Aug 11, 2013 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Classic Car for Teen Driver(?)
Replies: 87
Views: 7108

Re: Vehicle suggestions for Big & Tall?

Great thread with wonderful input. Thanks to all! I'm currently looking at a 2006 GMC Envoy XL. Good legroom, height, and width inside. It's about a lateral move to get in, which is a vast improvement over crawling down into (and up out of) my current sedan. The gas mileage isn't so great (it's rat...
by Mister Whale
Fri Aug 09, 2013 9:16 am
 
Forum: Personal Consumer Issues
Topic: Vehicle suggestions for Big & Tall?
Replies: 64
Views: 6401

Re: Vehicle suggestions for Big & Tall?

The Element, like many other Hondas, is surprisingly large on the inside given the apparent exterior size of the vehicle. And yes, it has tons of headroom. I only sold mine (when my wife bought an Odyssey) because I needed more space in the back for work and wanted "real" 4wd.
by Mister Whale
Tue Aug 06, 2013 9:21 am
 
Forum: Personal Consumer Issues
Topic: Vehicle suggestions for Big & Tall?
Replies: 64
Views: 6401

Re: Merchant costs on 2% cash back cards

You were a cash only business for 20 years and didn't take checks despite many customers that no doubt would have preferred that. Now you also won't take low transaction cost "pin debits" despite many customers that would prefer that because it will "slow your lines down". Seems...
by Mister Whale
Sat Jul 27, 2013 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Merchant costs on 2% cash back cards
Replies: 125
Views: 9586

Re: Merchant costs on 2% cash back cards

Hope it's OK to bump the old thread in order to answer it (I was out of town for a few days while this thread developed, and then forgot about it). I have enjoyed reading the responses. There is a cost to cash, those armored trucks don't pickup for free and there is a cost to the handling of the cas...
by Mister Whale
Thu Jul 25, 2013 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Merchant costs on 2% cash back cards
Replies: 125
Views: 9586

Re: Really hard to avoid "Keeping up with the Joneses"!

My only suggestion would be to use the Internet, stay connected to like-minded savers. That is precisely why I am here. I enjoy learning about different kinds of investments and what kind of market forces make them tick, but ultimately I'll simply stay with my 3-fund plan (plus savings) -- and will...
by Mister Whale
Thu Jul 25, 2013 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 93
Views: 9761

Re: Conflicted About Expected Lifestyle Creep

I started investing in Vanguard about a year before my income jumped. I knew that I wanted to be familiar with the investing process before I was ready to sock it away, and I wanted the experience of figuring out where to put my money while it was still a series of "small" (inconsequential...
by Mister Whale
Wed Jul 24, 2013 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Conflicted About Expected Lifestyle Creep
Replies: 47
Views: 5387

Re: "Helping" kids out...well, some of them.

I would try to carefully analyze my concerns about the situation. If I were concerned that my sister might not turn out well because of the extra assistance, or that the situation felt unfair, I would simply leave it alone and endeavor to be content to do the right thing. If I were concerned that my...
by Mister Whale
Mon Jul 22, 2013 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Helping" kids out...well, some of them.
Replies: 58
Views: 6042

Re: Is this a good or bad bet?

No way!

I'd be curious to see the context of the question and the subsequent discussion. :)
by Mister Whale
Tue Jul 09, 2013 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Is this a good or bad bet?
Replies: 41
Views: 2570

Re: Best online photo storage website advise

- how do many people store photos, use paid online storage or use external hard drive I use SmugMug and pay for their middle service. Unlimited storage, they keep the high-quality original files that I upload, I can upload video, and their print service is as good as it gets anywhere. I set up my s...
by Mister Whale
Thu Jul 04, 2013 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Best online photo storage website advise
Replies: 14
Views: 1905

Re: Merchant costs on 2% cash back cards

From my perspective as a 2% cash rewards card user, I will continue to use my credit card every place I possibly can so as to capture the 2% discount myself. I wasn't aware that that cost was being passed on to you, and I'm sorry for that, but I don't intend to change my behavior now that I know it...
by Mister Whale
Tue Jul 02, 2013 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Merchant costs on 2% cash back cards
Replies: 125
Views: 9586

Re: Merchant costs on 2% cash back cards

Not really. AMEX card holders on average spend more so many merchants like them. I would love to see a source to back up this claim, and for what types of purchases this may or may not be true. AMEX- The credit card giant is a great company in a fine industry. Credit card companies have strong comp...
by Mister Whale
Tue Jul 02, 2013 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Merchant costs on 2% cash back cards
Replies: 125
Views: 9586

Re: Merchant costs on 2% cash back cards

mediahound wrote:Not really. AMEX card holders on average spend more so many merchants like them.


I would love to see a source to back up this claim, and for what types of purchases this may or may not be true.
by Mister Whale
Tue Jul 02, 2013 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Merchant costs on 2% cash back cards
Replies: 125
Views: 9586

Re: Merchant costs on 2% cash back cards

I own several very busy restaurants. Low cost and high volume = lots and lots of charges every day. I'm quite aggressive about getting the best rates for my business. Last year we averaged between 2.5% and 3.0% in fees on all credit transactions (we don't do debit transactions, primarily because the...
by Mister Whale
Tue Jul 02, 2013 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Merchant costs on 2% cash back cards
Replies: 125
Views: 9586

Re: New garage floor: Stain, Epoxy, Paint or leave plain?

I like epoxy, installed it in my garage. Had a professional (they do industrial applications) company install it, they diamond-ground the floor before pouring epoxy. I also like the idea of using "real" (not rubber garage) tile; either ceramic or porcelain (stronger) will work. Check out J...
by Mister Whale
Mon Jul 01, 2013 12:54 pm
 
Forum: Personal Consumer Issues
Topic: New garage floor: Stain, Epoxy, Paint or leave plain?
Replies: 15
Views: 3176

Re: digital camera buying advice

Your sample pics don't necessary lend themselves to wanting a narrow DOF. Do have any shoots where you are 10~20 feet away from the subject where the background(and foreground) from 1~2 feet behind to infinity is blurred allowing you to highlight your main subject and get rid of any distractions in...
by Mister Whale
Fri Jun 28, 2013 1:36 pm
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3321

Re: digital camera buying advice

In looking at the Sony recomemmended above, I doubt it would be able to produced the example shoots I have made public on my flicker account with any of its settings and certianly not in "auto". These were all taken with my RX100 -- I'm far from being a pro -- and all are straight jpegs r...
by Mister Whale
Thu Jun 27, 2013 1:31 pm
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3321

Re: Minivan - odyssey EX-L(ent) vs sienna XLE + ent

Greetings fnmix! I went through a similar decision process last year. We ended up deciding on a 2012 Sienna LE. (1) I cannot speak to the reliability of either car-maker's entertainment system. We ended up spending $80 on a portable DVD system them strapped to the headrests of both seats and plugge...
by Mister Whale
Thu Jun 27, 2013 9:01 am
 
Forum: Personal Consumer Issues
Topic: Minivan - odyssey EX-L(ent) vs sienna XLE + ent
Replies: 21
Views: 2782

Re: Minivan - odyssey EX-L(ent) vs sienna XLE + ent

Decided to go with Odyssey EX-L and buying within the next couple of days. The 2013 version is going at ~$30,500 in my area (+tax, title, doc fee) if one takes Honda's financing - 0.9% APR for 24-60 months. I could have probably gone with Sienna and been equally fine. Question: I have a 15 year mor...
by Mister Whale
Thu Jun 27, 2013 8:56 am
 
Forum: Personal Consumer Issues
Topic: Minivan - odyssey EX-L(ent) vs sienna XLE + ent
Replies: 21
Views: 2782

Re: digital camera buying advice

My main complaints about the point and shoots have been their zoom restriction, slowness and quality. The Sony camera that I mentioned above has none (except possibly for zoom?) of these limitations, and I highly recommend that you read the short review in my above post as it sounds like it is exac...
by Mister Whale
Tue Jun 25, 2013 10:01 am
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3321

Re: digital camera buying advice

by Mister Whale
Mon Jun 24, 2013 4:01 pm
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3321
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