Search found 402 matches

by 8foot7
Fri Apr 28, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 3568

Re: When does it make sense to stop paying to repair your old vehicle?

I didn't see anyone hone in on insurance costs. Insurance on a newer vehicle can be significant, even with low miles driven. I'd also ask what you would do with the extra money you might save by driving an older vehicle....if the answer is that you have more to save/invest, then you're making even ...
by 8foot7
Fri Apr 28, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 3568

Re: When does it make sense to stop paying to repair your old vehicle?

onourway wrote:Agreed that the current value of the vehicle plays no role in determining whether it makes sense to do a given repair


I submit it is nonsensical to put a $4,000 repair into a $2,000 car
by 8foot7
Thu Apr 27, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 3568

Re: When does it make sense to stop paying to repair your old vehicle?

Drive it until a repair necessary for the vehicle to move from point A to point B exceeds 75% of the vehicle's overall post-repair value. I do not include A/C, heat (unless you need it in northern climate for engine to start/function), paint, cosmetic body work, etc. I mean starter, transmission, en...
by 8foot7
Thu Apr 27, 2017 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Moving to CA for 2 yrs, lease or buy used car?
Replies: 13
Views: 815

Re: Moving to CA for 2 yrs, lease or buy used car?

A 2 year lease is probably not going to give you very many miles to do road trips all over the west. I think the rate for overages is 25 cents per mile or something absurd like that.
by 8foot7
Thu Apr 27, 2017 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Best strategy for retaining tenants?
Replies: 30
Views: 1960

Re: Best strategy for retaining tenants?

Here's what I would do. Present three options: * month to month, which as everyone has said is probably the default, at market rate rent +1% * one year lease with a $50/month increase * 18 month or 2 year lease with no rent increase. One month of vacancy steals a significant amount of any increase i...
by 8foot7
Tue Apr 25, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3023

Re: co-worker had a baby chipping in on gift- how much?

I have a personal peeve against soliciting money for a second child. I say that as a parent of two who actively turned down gifts for our second from all but our closest family. For a first child I'd throw in a $20 and wish them good tidings etc. for a second child no way.
by 8foot7
Tue Apr 25, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Issue With Real Estate Agent (Seller)
Replies: 51
Views: 3524

Re: Issue With Real Estate Agent (Seller)

There is ultimately only one problem with any piece of real estate: price. Other problems (location, upgrades or lack thereof, repairs) can be solved by price. Work the price.
by 8foot7
Tue Apr 25, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 43
Views: 4835

Re: New job and offer - recruiter sent a wrong $$

A move to another company is one of the few times you can make a double digit overall increase in your compensation. Don't squander this opportunity. Negotiate to an improved offer or decline it but do not accept the same money you are making now.
by 8foot7
Fri Apr 21, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 11959

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

The extent to which people on this board are willing to eat **** with a smile is totally baffling to me. A large portion of a manager's job is to facilitate ways to make those under them more effective\productive. If there's something about them that's causing that to be not true, then they're now ...
by 8foot7
Fri Apr 21, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Reached 50% of my "number" today
Replies: 20
Views: 4146

Re: Reached 50% of my "number" today

Congrats! Go get a nice steak and grill it. :sharebeer
by 8foot7
Fri Apr 21, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 55
Views: 5023

Re: Bill received after Estate is closed

Let's assume the associate did good work and that he/she or someone else made a mistake. Mistakes happen all the time. Why not cut him/her some slack and make this work out with everyone paying their fair share. Dividing the bill by four and having the firm eat 25% and soliciting 25% from each of t...
by 8foot7
Thu Apr 20, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 11959

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

KlangFool is exactly right. You have nothing to gain and potentiallly everything to lose by criticizing your boss behind his or her back. I might even go so far as to blow sunshine you-know-where if the boss asked me directly for feedback; I guess it would depend on how much I needed the job. Heed K...
by 8foot7
Thu Apr 20, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: New version of VantageScore coming
Replies: 16
Views: 1164

Re: New version of VantageScore coming

The whole system is incredibly broken. And as it happens precious few lenders use VantageScore in lending decisions
by 8foot7
Wed Apr 19, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 55
Views: 5023

Re: Bill received after Estate is closed

But I think that you "screwed this up" too, by not delineating, at the outset of the representation, the cost for the services to be provided, and--in the absence of any such determination---to set aside a reasonable amount therefor. That you "don't want to go back to the beneficiari...
by 8foot7
Wed Apr 19, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2389

Re: To put 5k into my car loan or just keep it...

Pay the car off asap and vow never to borrow money for a car again unless you can fully satisfy the loan immediately at all times.
by 8foot7
Wed Apr 19, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buy new house in Seattle area?
Replies: 19
Views: 1560

Re: Buy new house in Seattle area?

I can't imagine buying in Seattle at current valuations. I'm there several times a year, well aware of why it's an awesome place, but something that cannot possibly continue will not continue and I would be very afraid to buy now. And of course there's the old rule of thumb; when someone tells you t...
by 8foot7
Wed Apr 19, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 29
Views: 2752

Re: Accidental landlord turning to for sale by owner

Have you thought about giving some sort of incentive to your tenant if they help you sell while they are still in the lease? I did this a couple years ago. I had a wonderful tenant who worked with me every step of the way and allowed me to show the unit while she was still under lease. She would ei...
by 8foot7
Wed Apr 19, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 5259

Re: How to make best use of lunch with the company president/CEO?

Everyone here is very cynical. Just don't be a [jerk - moderator prudent] , dress neatly, don't make a mess, and leave a positive impression.
by 8foot7
Wed Apr 19, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 5041

Re: Tips on Uber

To me the big draw of Uber is that the payment is seamless and I can just get out of the car and go when the ride is over. If I have to dig out my wallet and hope I have cash then I might as well take a taxi.
by 8foot7
Wed Apr 19, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 5041

Re: Tips on Uber

I have used Uber a fair amount and don't tip. On a recent tip to Vegas, I used the local taxi instead of Uber (there was a convenient line right outside my hotel). The credit card reader offered tip options of 20, 30, or 40%. After tipping *only* 10% in cash, I got a dirty look, no help with my bag...
by 8foot7
Wed Apr 19, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 55
Views: 5023

Re: Bill received after Estate is closed

I'd offer to pay half of it once he discounts the other half for being so incompetent.
by 8foot7
Tue Apr 18, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 2648

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

OP here. Update: I decided to not push further just so my relationship with them does not get strained. I'm still annoyed on principle. Given how this has turned out, I'm quite positive, as some of you mentioned, that if I got more detailed on (2) (eg: got an estimate from a cleaner), and cited the...
by 8foot7
Tue Apr 18, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Tax preparer charging for past tax PDF's copies
Replies: 49
Views: 3416

Re: Tax preparer charging for past tax PDF's copies

I don't think there is a right/wrong answer here. Having said that, if any of my vendors starts nickel & diming me, it does give me pause to consider there are other vendors out there. My accountant merged with another firm a few months ago, and it's obvious that tracking time down to the minut...
by 8foot7
Tue Apr 18, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house: dual agent, rebating agent, open listing, or else?
Replies: 6
Views: 553

Re: Buying a house: dual agent, rebating agent, open listing, or else?

Sounds like you have convinced yourself that getting rebates on RE commission costs is possible, likely and rather easily attained if you can only find that one agent who thinks it's a great idea. It's not and you won't. You are basically proposing to people that they give you part of their paychec...
by 8foot7
Sat Apr 15, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 82
Views: 6526

Re: Dealership rejecting rebate after contract signed

For the record, generally the way around these shenanigans is prophylactic: tell dealer you will pick up the car when the note or lease has been assigned and confirmed. Refuse to sign the spot delivery form. Wait until it's all done, usually within a week, and then drive away with confidence.
by 8foot7
Fri Apr 14, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 82
Views: 6526

Re: Dealership rejecting rebate after contract signed

I would just add that if you choose to lease (and there are times it is actually worth leasing) always....ALWAYS have every single fee, deposit, etc. etc. wrapped into the payment. The only thing you should be paying when you pick up the car is the first months car payment. It's easy to say "r...
by 8foot7
Fri Apr 14, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 82
Views: 6526

Re: Dealership rejecting rebate after contract signed

You must have surely signed a financing contingency as part of the retail installment contract. These are standard, especially in Toyota Financial/dealer captive agreements. You probably no longer have a deal. Be prepared to give up the car, although I'd make them come get it. I missed that it was ...
by 8foot7
Fri Apr 14, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 82
Views: 6526

Re: Dealership rejecting rebate after contract signed

You must have surely signed a financing contingency as part of the retail installment contract. These are standard, especially in Toyota Financial/dealer captive agreements. You probably no longer have a deal. Be prepared to give up the car, although I'd make them come get it.
by 8foot7
Mon Apr 10, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 100
Views: 4107

Re: Require Access to School Records?

I am amused by how many people say cut the cord when that tuition and boarding check comes out of their accounts and not the kid's checking. My parents had a policy: if I paid, I didn't answer to anyone. If they paid, I had to meet a certain baseline. I ended up paying a lot. They paid some too. But...
by 8foot7
Fri Apr 07, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 57
Views: 5584

Re: Keurig Coffee Makers

Maybe when I retire, I will have more time to fuss, but I get disappointed by the inconsistency between cups even when I try my best (buy fresh, grind fresh, filtered water, etc.) If I can find a consistent cup that offers the same quality from cup to cup (does not have to be the highest quality, g...
by 8foot7
Thu Apr 06, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 5523

Re: How many financial secrets?

I think there is a difference between purposely hiding something and simply not reporting the details of everyday transactions.
by 8foot7
Thu Apr 06, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy?: Gifting Shares to Non-profit; Form altered
Replies: 6
Views: 597

Re: Something Fishy?: Gifting Shares to Non-profit; Form altered

Is this a substantial amount? If so I would feel a bit put off being "delegated" down to the other person. The higher-up at the org should have taken ownership especially when it's a question of integrity. It may well be a clerical error or a computer issue but that should have been caught...
by 8foot7
Thu Apr 06, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 3567

Re: How best to handle disrespectful employee?

While I wasn't in sales, my group had decent annual bonuses tied to certain metrics. Meeting those metrics often meant shoving things into a pipeline that technically weren't ready for the rest of the company to work with. Everyone lamented but at the end of the day over seven years the metrics neve...
by 8foot7
Wed Apr 05, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3390

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

My gf's employer gives them 20 days of vacation and sick time per year. However, if you leave the company the employer keeps the PTO and there is no payout for the time. This starts the second you give a 2 week(or however long you want to give) notice. A girl just gave a 2 1/2 week notice that she ...
by 8foot7
Wed Apr 05, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8581

Re: Buying expensive car, how to keep payments low?

Rupert wrote:I bet half a dozen people tell you to buy a Honda Fit instead.


Or a Subaru
by 8foot7
Wed Apr 05, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 57
Views: 5584

Re: Keurig Coffee Makers

Between the extremely high cost, the reports of cancer risk, and the reports of black mold and mildew inside the machine, I threw ours away. No judgment here, just a decision I made that I think was right for our family.
by 8foot7
Tue Apr 04, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 2648

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

What is the most effective thing I can do that will at least cause them to give back some significant part of the amount so I can just put this behind and move on? Whom should I talk to? Any tips on how to avoid unproductively escalating this? The most bang for the buck: tell them to refund in 14 d...
by 8foot7
Tue Apr 04, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 2648

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

Small claims. These are pretty open and shut and generally a very well regulated area. Most likely once they receive the summons they will simply refund your money and be done with it.
by 8foot7
Tue Apr 04, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Conflict of Interest at work - could I get fired?
Replies: 21
Views: 3057

Re: Conflict of Interest at work - could I get fired?

If filling out the disclosure form is a condition of continued employment, then you must fill it out and I would be honest on it. I would not make a special case about disclosing your relative's hire, should it happen, as it happens or in advance or soon thereafter and would wait for the standard fo...
by 8foot7
Tue Apr 04, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3390

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

The last job I left paid out my accrued vacation per the employee handbook. They did not cash out sick leave. It did create a temptation to get the flu a couple of weeks before leaving but I was just glad to be out of there.
by 8foot7
Tue Apr 04, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: How to remove DELINQUENCY from credit report?
Replies: 27
Views: 1805

Re: How to remove DELINQUENCY from credit report?

So I am trying to refinance my student loan but I was rejected because of a delinquency on my closed Volkswagon account. Short story behind this. I was trying to help a friend, so I took a car lease out for him under my name. We had a written contract and signed by a notary. 2 years into the 3 year...
by 8foot7
Tue Apr 04, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: How to remove DELINQUENCY from credit report?
Replies: 27
Views: 1805

Re: How to remove DELINQUENCY from credit report?

So I am trying to refinance my student loan but I was rejected because of a delinquency on my closed Volkswagon account. Short story behind this. I was trying to help a friend, so I took a car lease out for him under my name. We had a written contract and signed by a notary. 2 years into the 3 year...
by 8foot7
Sun Apr 02, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Help me respond to an angry insurance agent!
Replies: 38
Views: 4178

Re: Help me respond to an angry insurance agent!

This guy must not have been in sales very long. You lose more than you win. He ought to be used to it.
by 8foot7
Sun Apr 02, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 6220

Re: Weird house buying experience

Again you are arguing about money you don't even have to pay. They're not charging you more than you agreed on. Your price is the same price it was. You are upset over an invisible list price you were never going to pay anyway. Maybe you indeed should move on because I guarantee in building a millio...
by 8foot7
Sun Apr 02, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 6220

Re: Weird house buying experience

Having built one house and being in the process of building another, I can tell you that if you are seriously this concerned over $1000 you don't have to pay anyway on a million dollar home, you're going to have a poor experience.
by 8foot7
Sat Apr 01, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Forgiveness Program Approval Letters May Be Invalid
Replies: 6
Views: 855

Re: Student Loan Forgiveness Program Approval Letters May Be Invalid

This reminds me of that episode of The Office where Michael made a promise years ago to a bunch of underprivileged children that he would pay for all of their collective college costs. 10 years later they're all ready to graduate and he can't of course deliver the goods...
by 8foot7
Thu Mar 30, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing and handling shared and split assets after divorce
Replies: 55
Views: 3313

Re: Divorcing and handling shared and split assets after divorce

With all due respect, this is a terrible terrible plan. Split everything equally and then take it from me: agree to a date by which ex will be treated financially as if she is earning 80k/year regardless of if she is or not. Even the most motivated among us can get awfully used to someone else payin...
by 8foot7
Mon Mar 20, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2265

Re: Salary / employment verification

Just put $1
by 8foot7
Fri Mar 17, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4483

Re: Collection Agency - Are you kidding?

Send them a dispute in writing CMRRR within 30 days. If they put it on your credit, sue in small claims.

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