Search found 1317 matches

by mike143
Mon Jul 27, 2015 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: New Car - Cash or Finance?
Replies: 32
Views: 2352

Re: New Car - Cash or Finance?

0% interest usually gives up a rebate near the cost of financing. Do your research, its usually $ rebate or 0%. You are correct. Although there are sometimes both, the rebate with 0% is never as big as the rebate and CU financing. My local credit union never had great rates. The Internet finds bott...
by mike143
Mon Jul 27, 2015 8:06 pm
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 3732

Re: Low mileage oil change

Follow the manual and you can't go wrong. Modern vehicles are once a year or by mileage (5-10k). Some people never change the oil during a lease and the vehicles still live a useful life.
by mike143
Mon Jul 27, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: New Car - Cash or Finance?
Replies: 32
Views: 2352

Re: New Car - Cash or Finance?

I have a 1.49% loan with both PenFed and Alliant. I am a native of Florida. Auto loan with PenFed gives me access to 5% cash back on gas credit card. Also in the process of a home refinance with PenFed, 15 year 2.5% (2.932%) from a 30 year 4.875% with Regions, 5.5 years in. *don't know APR on Region...
by mike143
Wed Jul 22, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7250

Re: honda civic or Prius?

Cars are like toilets. You want something you can sit on that's not unusually large or unusually small. You want something that doesn't leak or make strange noises. Some people claim to like toilets that "look good" and are "fun" to sit on. Some even spring for toilets with leat...
by mike143
Wed Jul 22, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7250

Re: honda civic or Prius?

Done. $16,600 out the door. Honda Civic. The best experience I have had in a dealership. The Toyota guy pulled the "It's only good for 48 hour" and the manager with the " the price is good if you come back in an hour BS. That matters to me. And the Civic is an EX model, with the big ...
by mike143
Wed Jul 22, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7250

Re: honda civic or Prius?

I'm sure the majority of the people who purchase the Prius do not run in to major mechanical issues. I was just speaking on what I've seen first hand. I have a family member who drives a hybrid and loves it, problem free. Others have not had that luxury. Statistically the Prius is a reliable vehicl...
by mike143
Wed Jul 22, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7250

Re: honda civic or Prius?

I'm sure the majority of the people who purchase the Prius do not run in to major mechanical issues. I was just speaking on what I've seen first hand. I have a family member who drives a hybrid and loves it, problem free. Others have not had that luxury. Statistically the Prius is a reliable vehicl...
by mike143
Wed Jul 22, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7250

Re: honda civic or Prius?

Mileage Math: Toyota Prius 2015 MPG: MPG: 51 city / 48 highway Honda Civic: Up to 30 city, 39 highway For this we will say 15,000 miles per year, which is pretty average according to the Department of Transportation. --Most of your miles highway? Prius requires: 312.5 gallons of gas for 15k (15k / ...
by mike143
Mon Jul 20, 2015 6:22 pm
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 5942

Re: Do you hate your vehicle infotainment system?

I haven't seen a vehicle yet that can beat the Android/Google GPS. As long as it has Bluetooth that is all that matters. Some vehicles you have to get the infotainment to get the backup cameras but otherwise they are worthless. I have a phone mount/holder that goes in the CD/DVD slot to hold my phon...
by mike143
Mon Jul 20, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7250

Re: honda civic or Prius?

We own both a Prius (2006) and a Civic (1998). I prefer the Prius as it is roomier than the Civic and gets better gas mileage (45-50 mpg). An unexpected bonus with the Prius has been its very low maintenance costs. I've yet to change the brake pads on the Prius (140K miles) and it doesn't have a ti...
by mike143
Mon Jul 20, 2015 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7250

Re: honda civic or Prius?

We have a 2012 Civic LX auto sedan normal/gas/non-hybrid and a 2013 Prius Two. Prius 110%. In a few years it will repay its price difference. I have been all Honda up to this point. 17k on the Prius and 49.x MPG since new. I can't think of anything the Civic does better unless its the manual transmi...
by mike143
Sat Jul 18, 2015 4:58 am
Forum: Investing - Help with Personal Investments
Topic: Advising father in law on investing
Replies: 7
Views: 854

Re: Advising father in law on investing

His investments are mostly individual stocks and a annuity. Based on all this I told him that individual stocks are gambling and that he should seek the advice of a financial planner. I found a fee only reputable firm and gave him the information. Afterward he had a medical event and it has been ab...
by mike143
Fri Jul 17, 2015 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Advising father in law on investing
Replies: 7
Views: 854

Advising father in law on investing

Father in law got a $100k payout from the estate due to the death of one of the trustees. The is in addition to further payouts upon his passing (to his children but not his wife) or other trustees passing and monthly payouts that continue during his life. He asked me how to invest it and I basicall...
by mike143
Sun Jun 28, 2015 5:34 am
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 7936

Re: What credit should you get? (Ask me anything)

@Mike Looks like you're pretty well covered then :) Without the points transfer stuff it's all pretty simple. And yeah, definitely good to cycle through points quickly. Bloggers will tell you to diversify (to get you to get more cards from their affiliate links) but very few people should carry mor...
by mike143
Sat Jun 27, 2015 11:25 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5635

Re: Smart phone data usage

Prepaid carriers let you use a smartphone with no data but post paid carriers do not. I think T-Mobile was the last hold out. I remember having a Blackberry Pearl with no data plan, Wi-Fi only. I switch to a prepaid carrier before they required data plans for smartphones. AT&T allows as well on...
by mike143
Sat Jun 27, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 7936

Re: What credit should you get? (Ask me anything)

@Mike - It depends on your spending habits. It looks like you're covered pretty well though. I'm not sure if you travel much and where, but you might be able to do a bit better with points. Everyday Preferred is the best grocery card if you can get good value out of MR points (1.5+). The other thin...
by mike143
Sat Jun 27, 2015 6:06 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5635

Re: Smart phone data usage

The thing I like the most about Cricket is that they have physical stores. Most prepaid carriers lack a storefront. Doesn't matter as much to me but when recommending services to others I think this is a great value and I don't end up doing the hand holding. We have the TMobile family plan--$100 for...
by mike143
Fri Jun 26, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5635

Re: Smart phone data usage

Prepaid carriers let you use a smartphone with no data but post paid carriers do not. I think T-Mobile was the last hold out. I remember having a Blackberry Pearl with no data plan, Wi-Fi only. I switch to a prepaid carrier before they required data plans for smartphones.
by mike143
Fri Jun 26, 2015 8:06 pm
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5635

Re: Smart phone data usage

Choose a prepaid carrier that cuts off or throttles after overages. I prefer Cricket since we have 5 lines. Last I knew PagePlus cuts off after you use up your allotment. We have users that use almost no data since they are mostly connect to Wi-Fi. Cricket (An AT&T company) 1 line = $35 per line...
by mike143
Fri Jun 26, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 19813

Re: Do you buy used cars like a Boglehead actually should?

Buying new after cash for clunkers killed the used car market. Not enough savings for a 2-3 year old vehicle with less than 50k from a reliable make (Honda/Toyota). Plan to drive them (12 Civic and 13 Prius) until needs dictate otherwise. If you fancy highly depreciating vehicles you can save 50% at...
by mike143
Fri Jun 26, 2015 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 7936

Re: What credit should you get? (Ask me anything)

Let me know if I can beat what I am currently doing. 2% All: Fidelity Amex, Priceline Visa, Citi Double Cash MasterCard (Sam's Club) 5% Grocery: Sallie Mae 5% Dining and Amazon: Citi Forward 5% Gas: PenFed Cash Rewards Then I take advantage of credit card signing offers when I have large credit card...
by mike143
Sat Apr 25, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 818

Re: taking break from computer use - to avoid back pain

I also drink a bunch of water so have to walk to go to the restroom and refill my water on a regular basis. I will also go respond to an email in person so I have an excuse to walk around.
by mike143
Sat Apr 25, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 818

Re: taking break from computer use - to avoid back pain

11 years in IT so I do a lot of sitting. When I was exercising regularly a lot of the superficial pain went away. I have regressed and my back does give me issue. I have been the same amount of overweight during these 11 years but during the regular exercise phase I had better over all well being. I...
by mike143
Tue Apr 07, 2015 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 6129

Re: Might Go $4,000 AAPL

I only buy individual stocks with play money, willing to lose it. I bought AAPL after the iPhone 6 came out and it took a down turn. I knew/speculated the iSheep would buy it up for the holidays and the stock would rise. I sold under 40 days for a 10% return after trading fees. I did the same with Y...
by mike143
Tue Mar 03, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 3084

Re: iPhone upgrade

As a business we buy iPhone 5c near mint on swappa.com, they are going for under $200 right now. We can never justify paying the full price of the current model. I don't spend $600 on a laptop or a desktop, I am not going to spend near that for a smartphone. iPhone has gone stale since the 4s, no im...
by mike143
Fri Feb 06, 2015 8:40 am
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 6501

Re: What to buy sweetie for Valentine's Day

Nothing, we stopped exchanging gifts after a few cycles. We do cards for the big dates (Anniversary, Birth Days and Valentines Day). We just go have a nice dinner near the date of the event but not they day of. We had a baby last Thursday and ask my wife if we need to exchange cards, she said no. We...
by mike143
Wed Jan 28, 2015 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 3354

Re: Amazon Prime - good deal or calculated conditioning

You can share the prime shipping benefits with four other people. Even at the $99 it cost now that is only $20 a person. Between home and work I had 191 orders for 2014. I compare price against Google Shopping and buy from Amazon when it makes sense. Recently bought a humidifier not on Amazon becaus...
by mike143
Wed Jan 14, 2015 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 21989

Re: Amex Fidelity CC 2% Cash Back

Fidelity Amex since 2011. I collect all the 2% cards in case they lower cash back and grandfather. I also have the Priceline Visa at 2%, now grandfathered and also pickup the new Citi Double Cash Mastercard at 2% for the occasional Sam's Clubs visits. I also have the Citi Forward 5% Amazon.com and d...
by mike143
Thu Jan 08, 2015 12:17 pm
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 18
Views: 2649

Re: Florida prepaid college plan. Dumb or undumb?

s255075b wrote:Don't most students qualify for the Bright Futures scholarship, which covers 75-100% of tuition? In that case, I am not sure why the prepaid tuition plan makes sense. Maybe I am missing something.

Who knows that the future holds 18 years from now.
by mike143
Thu Jan 08, 2015 9:56 am
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 18
Views: 2649

Re: Florida prepaid college plan. Dumb or undumb?

Florida lowered their prepaid rates significantly for 2015. Our child will be born in the next 30 days. I am leaning toward maxing Roth instead of doing the prepaid. " http://www.forbes.com/sites/troyonink/2014/02/14/how-assets-hurt-college-aid-eligibility-on-fafsa-and-css-profile/ : Retirement...
by mike143
Thu Dec 25, 2014 8:10 am
Forum: Personal Consumer Issues
Topic: Vacuum Food Sealers - Love it or gimmick?
Replies: 23
Views: 3333

Re: Vacuum Food Sealers - Love it or gimmick?

I have found that keeping the freezer at the lowest temp and refrigerator near freezing has done more to extend food life than how its packaged.
by mike143
Thu Dec 25, 2014 8:05 am
Forum: Personal Consumer Issues
Topic: new tablet/smart phone question
Replies: 23
Views: 2579

Re: new tablet/smart phone question

Personal thanks go out to everyone who replied to me in such rapid-fire fashion. Much appreciated!! My problem lies in the fact that I'm a techno-idiot. Thus, it's going to take a bit of time & some serious due diligence to reconcile which of these suggestions will work best for me. As of now I...
by mike143
Thu Dec 25, 2014 7:54 am
Forum: Personal Consumer Issues
Topic: Cheap cell phone for security gate
Replies: 10
Views: 1849

Re: Cheap cell phone for security gate

I would assume that its a GSM cellular module so that will exclude Page Plus (Verizon).

You might look at some home security forums for cheap prepaid service that is used for low usage. Here is one that popped up during my search: http://alarmsim.com/
by mike143
Sat Dec 20, 2014 9:43 am
Forum: Personal Consumer Issues
Topic: Cooking Lessons
Replies: 22
Views: 2290

Re: Cooking Lessons

If you wife will tolerate you in the kitchen I bet she would appreciate it more it you just start helping her in the kitchen throughout the year. Once you felt you have learned all you can then branch out for more training. Cooking is just following instructions. You will make mistakes, hopefully th...
by mike143
Sat Dec 06, 2014 8:57 pm
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7894

Re: Why So Many Used Prius for Sale?

I don't believe that the prius is comparable to a corolla to all buyers. Sure it may be in size, but not in its potential prestige and resale value. I regularly walk through a lot where a higher paying profession works. Sure there are BMWs, and mercedes, and lexus. But there are also several prius ...
by mike143
Sat Dec 06, 2014 8:37 pm
Forum: Personal Consumer Issues
Topic: Bah Humbug [managing Christmas spending]
Replies: 52
Views: 5052

Re: Bah Humbug [managing Christmas spending]

As an adult, I don't desire to receive or give gifts for any occasion, for other adults. Luckily for Christmas we have, as a family group, decided that no gifts for over 18. We where doing a name draw for over 18 but after realizing that we are just exchanging gift cards we decided to keep our monie...
by mike143
Sat Dec 06, 2014 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 10148

Re: Am I being cheap?

What you should do is sit down with your future wife and lay out your finances. Show her how much you make and spend. Show her how hard you worked to pay off your debt. Show her how much you save and what your financial goals are. Then go buy the ring with her and let her make the decision with the...
by mike143
Sat Dec 06, 2014 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 10148

Re: Am I being cheap?

I spent $1,500 via bluenile.com. Solitaire with plain band and a good quality half carat that was GIA certified. I set a $1,500 budget and we looks at many stores: nationwide, region and local franchises, Sam's Club, Costco, and BJ's and none really provided the same value that bluenile.com did. I s...
by mike143
Sat Dec 06, 2014 7:29 pm
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7894

Re: Why So Many Used Prius for Sale?

I always get a good chuckle when some is driving a new Escalade. They care so much about perceptions they are literately burning money. http://wallstcheatsheet.com/automobiles/dont-plan-on-reselling-these-10-cars-depreciate-fast.html/?a=viewall Cadillac’s respected Escalade SUV might be worth $70,00...
by mike143
Sat Dec 06, 2014 7:10 pm
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 7141

Re: Who Paid for the wedding?

He needs to put all his chips on the table. He nor his family do not have the ability to pay and he is not willing to go into debt for the wedding. If other party doesn't respect this he can find a replacement. My wife's parents paid for the majority of the wedding and if they didn't it would have b...
by mike143
Sat Dec 06, 2014 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Funds?
Replies: 12
Views: 1321

Re: Investing Emergency Funds?

I put it in an income fund.
by mike143
Sat Dec 06, 2014 7:00 pm
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7894

Re: Why So Many Used Prius for Sale?

Probably because people realize how goofy they look driving one :) If I cared about that I would drive one of these. I would rather retire early than worry about what the average poor decision making American thinks. http://thefuntimesguide.com/images/blogs/randy_international_cxt_truck.jpg
by mike143
Sat Dec 06, 2014 6:57 pm
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7894

Re: Why So Many Used Prius for Sale?

My commute is 27 highway miles and the prius gets 45 mpg+ without fail. No non-hybrid, non-diesel car could do the same. I grant the advantage is small under these conditions but it is not zero. What year is your Prius, what is the top speed for this trip and what state is it driven? I have to try ...
by mike143
Sat Dec 06, 2014 6:44 pm
Forum: Personal Consumer Issues
Topic: Selling your old cell phone for cash
Replies: 19
Views: 1892

Re: Selling your old cell phone for cash

In order: swappa.com, craigslist.org and ebay.com. I don't think anyone of those middle man sites give you a fair value for your phone.
by mike143
Sat Dec 06, 2014 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Underpaid at Job
Replies: 6
Views: 952

Re: Underpaid at Job

Mike that's pretty much exactly what they do. After they are presented a competitors offer, they normally match but 100% of the people leave. When the last team member was promoted, it was offered to me and is doing well. I am in IT and this discussion pops up on spiceworks and it seems that you ge...
by mike143
Sat Dec 06, 2014 9:52 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 2172

Re: What do you do with Fidelity Rewards?

Fidelity has solicited their cards to us. Though I have been tempted, I have resisted because the cards are issued by an underlying monster mega bank, not Fidelity. The monster mega banks rank right up there next to Comcast and AT&T in terms of customer service. Also, the Amex that pays 2% is n...
by mike143
Sat Dec 06, 2014 9:48 am
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7894

Re: Why So Many Used Prius for Sale?

Honda Hybrids are not as reliable or efficient as Toyota's, but you can drive them without the hybrid system, Toyota's cannot. My work commute is 2 miles. I get 25mpg in the 2012 Civic and 40+mpg in the 2013 Prius. I think you have to break 15k miles a year to get a return on the hybrid tax on a Pr...
by mike143
Sat Dec 06, 2014 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Underpaid at Job
Replies: 6
Views: 952

Re: Underpaid at Job

Dust off your resume. Get another offer then go to your boss and say I generate this for the company and I want this and see where it goes and if they don't value your return then take your skills elsewhere. I have seen this discussion many times and my company does they same. They would rather hire...
by mike143
Sat Dec 06, 2014 9:35 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 2172

Re: What do you do with Fidelity Rewards?

livesoft wrote:I'm going to switch though soon to the 3% cash-back card to get a bigger cashback on sushi and chocolate.

Do tell.

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