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Re: Poll: Less than initial quote by car dealer for used ca

I bought a used 2013 Ford Focus not too long ago. Got it for 20% less than invoice. It was a used Ford at a Honda dealership - they wanted to move it pronto.
by XtremeSki2001
Sun Apr 13, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Poll: Less than initial quote by car dealer for used car?
Replies: 9
Views: 823

Re: Contractor not licensed but insured

IMHO, the smaller unlicensed group being able to start almost immediately should tell you something ... they're not in demand. Why is that?
by XtremeSki2001
Sun Apr 13, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Contractor not licensed but insured
Replies: 15
Views: 863

Re: Making a Will (Young Couple)

My wife and I are around 30. We have some money, and a 6-month old son. We'd like to make a simple will. We would rather not involve lawyers. Anyone have good suggestions/experiences/cautionary tales? Thank you. We are in the same boat and position as you and just met with a lawyer. He did a good j...
by XtremeSki2001
Sun Apr 13, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Making a Will (Young Couple)
Replies: 16
Views: 1281

Re: Job Offer Negotiation / Interview Snafu

Congrats and best of luck!
by XtremeSki2001
Tue Apr 08, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 174
Views: 15003

Re: To MBA or not MBA?

I disagree that non-prestigious MBAs aren't potentially worthwhile, and with the employer reimbursement it sounds like it would cost substantially less than $60k. The point about CEOs isn't necessarily valid, because a lot of them rose through the ranks in a different era. Today someone in this age...
by XtremeSki2001
Tue Apr 08, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or not MBA?
Replies: 57
Views: 4521

Re: Online Wills

FWIW, we found a local lawyer and had a will and living will drafted. We got comfort dealing with someone live / in-person to answer all our questions. We paid ~$400.
by XtremeSki2001
Fri Apr 04, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Wills
Replies: 27
Views: 2426

Re: To MBA or not MBA?

I don't see the value prop with MBAs in many scenarios, especially when they're not from Wharton, Sloan, Kellogg, etc. You mentioned you wanted your MBA to continue to move up at your current employer. Do you have a mentor or sponsor in the organization? What did they tell you to do? If you're consi...
by XtremeSki2001
Fri Apr 04, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or not MBA?
Replies: 57
Views: 4521

Health Savings Account - Is it right for my family?

Hi, My wife and I recently switched to my healthcare coverage at work. We were previously on her employer's coverage, but she is staying home with baby #1 and soon baby #2 for the foreseeable future. It's not until recent costs with baby #2 are making me think there has to be a better way to cover t...
by XtremeSki2001
Thu Apr 03, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account - Is it right for my family?
Replies: 3
Views: 354

Re: Vanguard role in corporate governance

What differnce do you think it would make? IMHO, it's the fad right now and will pass. When unemployment is high, it's not popular to be making a lot of money. There's no logic behind it in my opinion ... even though some exec's are paid ridiculously. Ethical corporate governance goes beyond the pa...
by XtremeSki2001
Wed Apr 02, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard role in corporate governance
Replies: 21
Views: 1061

Re: Vanguard role in corporate governance

bottlecap wrote:What differnce do you think it would make?


IMHO, it's the fad right now and will pass. When unemployment is high, it's not popular to be making a lot of money. There's no logic behind it in my opinion ... even though some exec's are paid ridiculously.
by XtremeSki2001
Wed Apr 02, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard role in corporate governance
Replies: 21
Views: 1061

Re: IRS Website Certificate is Wrong.

I could be wrong, but the IRS website is primarily for information only. Any time you need to file your taxes or make a payment you're redirected to a secure site / third-party.
by XtremeSki2001
Wed Apr 02, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: IRS Website Certificate is Wrong.
Replies: 4
Views: 614

DIY Landscaping to Save $

Anyone ever DIY your landscape? We gutted our landscape as the previous owners didn't maintain it well. We have ~ 600 sqft of garden beds. We've went to a free consultation at the local landscape place - they put together something really quick and as I look at it there are some flow, height, and ba...
by XtremeSki2001
Tue Apr 01, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: DIY Landscaping to Save $
Replies: 10
Views: 1011

Deleted Thread?

What happened to the "Dealing with entitled college kids" (#136316) thread? I've seen threads locked in the past, but this is the first time I've seen a thread totally blown away. Under what circumstances can a thread be deleted?
by XtremeSki2001
Mon Mar 31, 2014 5:20 pm
 
Forum: Forum Issues and Administration
Topic: Deleted Thread?
Replies: 17
Views: 840

Re: New Friends are the Anti-Bogleheads, what to do?

I have many current friends like this. The basis of our relationship isn't based on money and until it is, I'll just keep away from the $ topic. Candidly, each friend has asked us "how we do it" when we're all alone, we tell them a few details and offer our help but they never come back fo...
by XtremeSki2001
Mon Mar 31, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8428

Re: reading advice for an ambitious woman in her early 20s?

When I was her age, not too long ago, I read The Bogleheads' Guide to Investing. That's really the only book I read and then I came here for questions. I used to reach the blog iwillteachyoutoberich, Ramit is a nice guy but his blog pushes too much marketing/sales these days.
by XtremeSki2001
Mon Mar 31, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: reading advice for an ambitious woman in her early 20s?
Replies: 32
Views: 2275

Re: Spouses that struggle with budgets

For my DW and I - it was a struggle. When we first met, I was making a lot, saving a lot, but spending a ton on "wants". We spent a day talking about our long-term goals and then backed into what we need to do with our $$$ to meet these goals. Once we had the mandatory spending out of the ...
by XtremeSki2001
Mon Mar 31, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Spouses that struggle with budgets
Replies: 27
Views: 2258

Re: First Speeding Ticket: What Would You Do?

Why can't you plean non-guilty without a lawyer? It's not going to trial - just talk to the prosecutor and pay a higher fine without points.
by XtremeSki2001
Mon Mar 31, 2014 7:01 am
 
Forum: Personal Finance (Not Investing)
Topic: First Speeding Ticket: What Would You Do?
Replies: 72
Views: 4095

Re: BH Vacations

When my wife and I go on vacation we have $X we're willing to spend and I typically cook up a few places to go that fit the budget. Once on vacation we typically budget during the trip to keep within our original budget. So far it's worked well. Now that we have kids, we don't really vacation beyond...
by XtremeSki2001
Sat Mar 29, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3225

Re: those with basements

I have a daylight basement. No insulation and no HVAC. Stays cool in the summer and cool in the winter.
by XtremeSki2001
Wed Mar 26, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: those with basements
Replies: 17
Views: 1977

Re: Buying first home in SF - gut check

FWIW, while not as well off financial as you, my wife and I recently purchased a house sans kids with hopes of filling it with kids. Fast forward a year and 1 child with another on the way, my wife has decided not to return to work. My wife and I discussed this at length prior to having kids and pla...
by XtremeSki2001
Wed Mar 26, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 87
Views: 7100

Re: Lawyer, Small Claims Court, or ?

Just put up some hunting camera that take photos (day/night) when there's movement. Hopefully should be enough to go on as I suspect they would have to use a vehicle to dump the trash.
by XtremeSki2001
Wed Mar 26, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer, Small Claims Court, or ?
Replies: 27
Views: 1256

Re: Job Offer Negotiation / Interview Snafu

What I may do, is see if I can get a good offer from MegaCorp II and then use that to see if MegaCorp will re-evaluate their offer for me. Good problems to have but the whole process gets exhausting. As the hiring manager, if I got wind of this, or suspected it, you can bet you would never be hired...
by XtremeSki2001
Tue Mar 25, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 174
Views: 15003

Re: Job Offer Negotiation / Interview Snafu

I didn't read the entire thread and, in fact, only read the original post by the OP. I've shared my input below as someone heavily involved in recruiting and hiring as well as working in an industry not typically known for a great work/life balance. I interviewed at MegaCorp yesterday and thought th...
by XtremeSki2001
Tue Mar 25, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 174
Views: 15003

Re: Should you discuss your wages with your peers?

I don't discuss wages with anyone but my wife. It's no one's business and, IMHO, nothing good can come of it.
by XtremeSki2001
Sat Mar 15, 2014 7:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 6626

If it's not broke - don't fix it?

Hi Bought a home last year. Home was built in 1992. We are the third owners. The home is located just outside Philadelphia. The home has the original roof, air conditioning, and furnace. My gut reaction is to replace all three and start with the roof in an effort to be proactive. Regarding the air c...
by XtremeSki2001
Mon Feb 10, 2014 7:44 am
 
Forum: Personal Consumer Issues
Topic: If it's not broke - don't fix it?
Replies: 4
Views: 633

Re: New Teacher - Long Term Disability $1,600/mo - $35/mo fe

I would say that for most folks LTD is covered by SSDI which you already pay for. Short-term disability is much more likely. I would not buy such a LTD policy myself. The SSDI definition of disability can be very hard to meet and it can take a very long time to get a determination. An LTD policy ma...
by XtremeSki2001
Wed Sep 04, 2013 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Teacher - Long Term Disability $1,600/mo - $35/mo fee
Replies: 15
Views: 1370

Re: Inherited House w/ Mortgage. Rental Property?

SnapShots wrote:Just looking at the current value of the house, I would say it would not make a good rental property. I would not want to rent almost a million dollar home.

Sell it.


+1

Not worth the headache to make a few $$.
by XtremeSki2001
Mon Sep 02, 2013 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: Denver - where to stay, what to do and see?

Just got back from a work trip to Denver. Here's are the notables from our trip:

- Stayed at the Brown Palace Hotel downtown.
- Went to a Rockies game
- Went to Ocean Prime for dinner
- Went to Richard Sandoval's Tamayo and sat on the rooftop deck for dinner
by XtremeSki2001
Sun Sep 01, 2013 8:44 am
 
Forum: Personal Consumer Issues
Topic: Denver - where to stay, what to do and see?
Replies: 39
Views: 2191

Re: Boglehead Beer

^^^ I'm drinking Leinenkugel's Oktoberfest now. Not great, but not bad. What's good? Anything by Weyerbacher (1+ hour north of me, Easton PA). I tried their Pumpkin Imperial Ale this weekend. .......pass, too sweet. I used to like pumpkin ales. Over the past few years, I've become disenchanted with...
by XtremeSki2001
Fri Aug 23, 2013 9:47 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 324
Views: 36834

Re: Ever Filed Civil Suit against Neighbor?

I think you went wrong by calling the police before you just spoke to him in person. I agree with you on this point. Though I doubt the response would have been much different after what the officer told me. I disagree. I'll tell you why .. Last week I was down at the beach and a few people were on...
by XtremeSki2001
Wed Aug 14, 2013 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Ever Filed Civil Suit against Neighbor?
Replies: 82
Views: 4403

Re: POLL: How much do you like your job?

I absolutely love my job. I work in professional services - client serving/advisory. It's not for everyone, but I love it.
by XtremeSki2001
Tue Aug 13, 2013 11:31 am
 
Forum: Personal Consumer Issues
Topic: POLL: How much do you like your job?
Replies: 41
Views: 2936

Re: Trex (The Good, the Bad and the Ugly)

A few are posting about wood decks and are getting to the point where they need to be redone after 20 years. What's the life expectancy of a Trex or other similar composite?
by XtremeSki2001
Tue Aug 13, 2013 8:43 am
 
Forum: Personal Consumer Issues
Topic: Trex (The Good, the Bad and the Ugly)
Replies: 50
Views: 4868

Re: Hard Water Problems

Thanks all for your suggestions. We got a name of a local company, which came out and tested our water ... it's hard. It was rated 12 grains per gallon. Ph was fine. The prevalent issue was calcium. Turns out the smell we had in some areas was from the rod in the hot water heater. We were quoted for...
by XtremeSki2001
Mon Aug 12, 2013 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Hard Water Problems
Replies: 7
Views: 763

Re: Hard Water Problems

Thanks for the input so far. Thought it was worth mentioning we are not on a well.
by XtremeSki2001
Fri Aug 02, 2013 10:14 am
 
Forum: Personal Consumer Issues
Topic: Hard Water Problems
Replies: 7
Views: 763

Hard Water Problems

Hi, We've been living in our home for 3 months. We've noticed we have hard water, which has left stains (red line) on our new toilet and also caused foul smells. We are not on a well. Due to the hard water a lot of our fixtures (e.g., faucets, shower heads, etc.) are in need of replacement. We're al...
by XtremeSki2001
Fri Aug 02, 2013 9:31 am
 
Forum: Personal Consumer Issues
Topic: Hard Water Problems
Replies: 7
Views: 763

Re: Staying in same company for long - any benefits?

If I'm not growing, I'm going. Usually in large Corporations you can post to other departments where you can grow.
by XtremeSki2001
Sun Jul 28, 2013 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Staying in same company for long - any benefits?
Replies: 27
Views: 2767

Re: What's more important - Term Life or Disability Ins?

Thank you for all the responses - they are very helpful!
by XtremeSki2001
Thu Jul 25, 2013 6:40 am
 
Forum: Personal Finance (Not Investing)
Topic: What's more important - Term Life or Disability Ins?
Replies: 18
Views: 1460

What's more important - Term Life or Disability Ins?

Hi, I tried to bump my earlier thread ( http://www.bogleheads.org/forum/viewtopic.php?f=2&t=118257 ), but it was such a tangent that my question was lost in the mix. My DW and I don't have the money (flexibility?) to get the Term Life and Disability Insurance that we need/want. So should we get ...
by XtremeSki2001
Tue Jul 23, 2013 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's more important - Term Life or Disability Ins?
Replies: 18
Views: 1460

Re: Weber Grill and Consumer Reports

I considered the Spirit, but then went with the Genesis E-310. Very happy with it.
by XtremeSki2001
Sat Jul 20, 2013 9:41 am
 
Forum: Personal Consumer Issues
Topic: Weber Grill and Consumer Reports
Replies: 44
Views: 5441

Re: Europe Travel from paris initial start, help

Paris is the only direct flight to europe, and we are flying standby. We may end up flying back from Dusseldorf, as that flight is open to atlanta currently, but then one runs into getting hung up in atlanta, the connecting flight to hometown being wide open, then suddenly closing shut within a hal...
by XtremeSki2001
Sat Jul 20, 2013 7:22 am
 
Forum: Personal Consumer Issues
Topic: Europe Travel from paris initial start, help
Replies: 22
Views: 1286

Re: Europe Travel from paris initial start, help

I really enjoyed Berlin, Heidelberg, Munich, and Dusseldorf (in that order)
by XtremeSki2001
Fri Jul 19, 2013 8:32 am
 
Forum: Personal Consumer Issues
Topic: Europe Travel from paris initial start, help
Replies: 22
Views: 1286

Re: Term Life Insurance Quote - Expensive?

At standard rates, you would pay $528 per year for $1 million of term insurance through the AICPA with the premium increasing every 5 years: http://www.cpai.com/personal-insurance/life/flexrates.jsp. After age 45, the rates vary depending on your health at that time. I haven't analyzed how that com...
by XtremeSki2001
Thu Jul 18, 2013 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Quote - Expensive?
Replies: 23
Views: 2801

Re: Pay keeping up with inflation for your job?

I graduated in 2006 and my CAGR is ~11%
by XtremeSki2001
Thu Jul 18, 2013 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay keeping up with inflation for your job?
Replies: 52
Views: 4522

Re: Term Life Insurance Quote - Expensive?

Hello again .... My DW and I have been spending a lot of time thinking about our choices. The $1500 for a 30 year term life policy @ $1.5M for me is a little more then we were expecting to pay. We'd like to add some term life for my DW (albeit, much less) and disability insurance (only for me). Give...
by XtremeSki2001
Wed Jul 17, 2013 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Quote - Expensive?
Replies: 23
Views: 2801

Re: engagement ring purchase

This would be one place to use one of those "0% interest for 6 months CC" offers that I assume you are getting. (I get about one a month.) Especially if they are rewards cards. Does the jeweler offer a payment plan? Most people on this board will probably say wait until you have the money...
by XtremeSki2001
Wed Jul 10, 2013 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: engagement ring purchase
Replies: 30
Views: 2110

Re: Big Island Hawaii

Is the Kalalau Trail well marked? We wanted to do the 2 mile hike to Hanakapi'ai then another 2 miles to the Falls. Yes, you can't miss it. Clearly marked from the parking lot and it's the only trail out there once you get going. There will likely be quite a few people on it. I'd try to avoid doing...
by XtremeSki2001
Mon Jul 08, 2013 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Big Island Hawaii
Replies: 45
Views: 3595

Re: Big Island Hawaii

However, Kauai was awesome - especially the Na Pali Coast. But I'm not sure whether you could appreciate the sheer magnitude of it from a small boat. We cruised past in the late afternoon and the trade winds were pretty fierce. IMHO, you can appreciate it from a small boat (we did it via zodiac), b...
by XtremeSki2001
Sun Jul 07, 2013 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Big Island Hawaii
Replies: 45
Views: 3595

Re: Pre Cruise Hotel in Ft Lauderdale

We stayed at the Marriott - you can see the ships from your room if you're in a room on the South end of the resort. It was a very nice resort, great pool, great service.

http://www.marriott.com/hotels/travel/fllsb-harbor-beach-marriott-resort-and-spa/
by XtremeSki2001
Sat Jul 06, 2013 9:10 am
 
Forum: Personal Consumer Issues
Topic: Pre Cruise Hotel in Ft Lauderdale
Replies: 6
Views: 893

Re: Big Island Hawaii

My wife and I are going to Hawaii for 11 days the last week in July. We will be spending 5 days on the Big Island (the other 5 days will be on Kauai). We tend to be more outdoor activity-oriented... interests include snorkeling, hiking, kayaking, zip lining, etc. There is obviously too much to do a...
by XtremeSki2001
Sat Jul 06, 2013 9:06 am
 
Forum: Personal Consumer Issues
Topic: Big Island Hawaii
Replies: 45
Views: 3595

Re: Asking for a (potentially significant) raise

You'll probably have to leave to get the raise you deserve. Nearly every entry-level person who works for a big company has to leave to get the money they deserve. The first 5-10 years, you become 5x more knowledgable and useful to your company, but they are unable or unwilling to pay you what you ...
by XtremeSki2001
Sat Jul 06, 2013 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Asking for a (potentially significant) raise
Replies: 66
Views: 4757
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