Search found 181 matches

by ArmchairArchitect
Tue Jun 20, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 101
Views: 5690

Re: is luxury car a smarter purchase?

The depreciation on European luxury cars (ie. BMW, Mercedes, Audi) is horrid, even if you buy used. Reason being, they are overengineered, unnecessarily complicated and have high maintenance/parts costs. So essentially, you're buying a liability.
by ArmchairArchitect
Mon Jun 19, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 249
Views: 22670

Re: Tesla Model 3 or Chevy Bolt?

Also, I am worried about the battery exploding if the car is involved in a wreck. So you are worried about a battery exploding based on a handful of isolated incidents and a statistically near-zero chance of happening, but aren't worried about a gas-powered car with a fuel tank exploding, with a st...
by ArmchairArchitect
Thu Jun 08, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 84
Views: 13866

Re: Laundry lifestyle creep

ResearchMed wrote:(One could add LOTS of bleach to whites, which would probably do a nice job of keeping them nice and bright... but for how long...!?)


Avoid bleach at all costs...makes clothes brittle/dry and destroys fabrics over time. Oxygen cleaner (you can buy generic) is the replacement for bleach.
by ArmchairArchitect
Wed Jun 07, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: How to buy another car key?
Replies: 16
Views: 1693

Re: How to buy another car key?

This question is best asked on a forum specific to your car. Search the web for Subaru forums and ask there, in the appropriate category for your specific model. The answer to this question will differ wildly based on what car you have. For example, on my Corvette, I can buy an inexpensive keyfob an...
by ArmchairArchitect
Wed Jun 07, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 2868

Re: Gas station prices and quality

As others have already mentioned, ONLY buy from Top Tier brands if you care about your car. It's usually the same price fuel you just have to know which brands to go to. List of brands that meet Top Tier specs: http://www.toptiergas.com/licensedbrands/ You can buy regular 87 octane gas from a compan...
by ArmchairArchitect
Wed May 17, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 51
Views: 6141

Re: Anyone use "MyPillow" pillows?

MyPillow is overpriced. Look on Amazon...we've been very happy with our "shredded memory foam" pillows with "bamboo covers." The shredded memory foam allows you to adjust the position and amount of fill in the pillow, versus a standard memory foam pillow which comes in a predefin...
by ArmchairArchitect
Thu May 04, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 91
Views: 13549

Re: WOW fantastic Cars in the Wild

I live just off the main route to the Hamptons (Long Island, NY). I see these kind of cars all summer long. The BMWs and Mercedes are the junky cars - lol. I live in the snow belt and you seldom see cars like these in the wild. This spring we were driving on a local interstate (still a lot of grit ...
by ArmchairArchitect
Wed May 03, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 3561

Re: Buying a diamond ring

Blue Nile is the way to go, just make sure you rely on the GIA report rather than other certification authorities. GIA is much more stringent with standards. Also Blue Nile will pull the diamond from the vault and verify whether it's "eye clean" (ie. free of any inclusions visible to the e...
by ArmchairArchitect
Wed May 03, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7429

Re: Removing a tree - expensive!!!

I found a guy via craigslist that cut a bunch of tall trees the old school way (climbing by rope) for $400 total. He even stacked the wood for me.
by ArmchairArchitect
Fri Apr 14, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: HSA as Part of Emergency Fund
Replies: 20
Views: 1608

Re: HSA as Part of Emergency Fund

Emergencies can be many things other than medical expenses (eg. layoff), so I wouldn't count an HSA towards an emergency fund. Or maybe weight it, consider a fraction of it as part of the emergency fund.
by ArmchairArchitect
Fri Apr 14, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Ebay Valet - Thoughts?
Replies: 10
Views: 1259

Re: Ebay Valet - Thoughts?

I would recommend creating a post in the craigslist "labor gigs" section, for someone to post your items and you pay them. I did this once and had a college kid help me sell items, and I gave him a commission from each sale.
by ArmchairArchitect
Thu Apr 13, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7564

Re: leaving early from work

Fair question to ask your employer, as long as those that don't have kids/don't have that same obligation are given the same flexibility.
by ArmchairArchitect
Thu Apr 13, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Using internet banks for a mortgage?
Replies: 14
Views: 869

Re: Using internet banks for a mortgage?

Use Zillow Mortgage Marketplace...I've used it 3 times so far, with great success. You put in all your specifics, then lenders provide instant quotes/bids. You can then sort by APR, and pick a lender that has good reviews on Zillow. For title insurance, definitely use Title Forward (http://www.title...
by ArmchairArchitect
Thu Apr 13, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 84
Views: 13866

Re: Laundry lifestyle creep

They sell generic Oxygen Cleaner for $1 at Dollar Tree, just use that.
by ArmchairArchitect
Thu Apr 13, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Ebay Valet - Thoughts?
Replies: 10
Views: 1259

Re: Ebay Valet - Thoughts?

Their commission was MUCH more reasonable about a year or two ago; then they changed it to increase the commission by a huge percentage. I was looking forward to using the service, now it's out of the question. I'd rather donate the items.
by ArmchairArchitect
Wed Apr 12, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Legality of renters posting reviews of a condominium complex?
Replies: 82
Views: 3792

Re: Legality of renters posting reviews of a condominium complex?

People have the right to free speech and warning others of the terrible building/management. OP, fix the issues instead of trying to silence people.
by ArmchairArchitect
Thu Apr 06, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Selling A Semi-Valuable Vehicle
Replies: 12
Views: 1442

Re: Selling A Semi-Valuable Vehicle

Craigslist is the way to go.

As with any sale of a large amount, only accept a bank certified/cashier's check, then either call or visit the issuing bank to verify the check's authenticity and amount. Simple as that.
by ArmchairArchitect
Wed Apr 05, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 32
Views: 2071

Re: What to see in Philly?

OP, You did not say when you would be in Philly. The Rocky (Art Museum) steps are now closed through the end of April. They are setting up the stage for the NFL Draft. Link to article... Link Hint: You don't go to the Philadelphia Museum of Art for the "Rocky steps"...it's a world class a...
by ArmchairArchitect
Tue Apr 04, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 32
Views: 2071

Re: What to see in Philly?

www.visitphilly.com and www.uwishunu.com are the official sites for tourism/events.
by ArmchairArchitect
Mon Apr 03, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 32
Views: 2071

Re: What to see in Philly?

4 hours is not enough. You need at least 1-2 weeks here to see/do all the unique things. Not joking.
by ArmchairArchitect
Wed Mar 29, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Anyone replaced a pickup with an SUV?
Replies: 35
Views: 2283

Re: Anyone replaced a pickup with an SUV?

Don't underestimate the ability of the roof of an SUV to carry things that don't fit inside...just slightly more work to strap it down.
by ArmchairArchitect
Tue Mar 28, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor vs MLS Listing Service
Replies: 13
Views: 859

Re: Realtor vs MLS Listing Service

I would suggest Redfin (www.redfin.com). A newer age disrupter company who is breaking up the realtor cartel. They are still full service just with much less expensive fees.

We've used them and couldn't have been happier with the service and money saved.
by ArmchairArchitect
Sat Nov 05, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Discount realtor tax consequences
Replies: 3
Views: 668

Re: Discount realtor tax consequences

Been through this myself twice. Once with a traditional realtor who offered me a rebate (found through hungryagents.com), second time with Redfin (redfin.com), whose business model is to offer rebates back to buyers. The rebates are not taxable, they're considered a reduction in the cost basis of th...
by ArmchairArchitect
Sat Nov 05, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: GMC airbag recall - no fix - unable to sell
Replies: 6
Views: 1196

Re: GMC airbag recall - no fix - unable to sell

Simple solution: sell it yourself on craigslist. You always get less by selling it to a dealer anyway.
by ArmchairArchitect
Wed Oct 12, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: Is Older Tupperware Safe
Replies: 48
Views: 8059

Re: Is Older Tupperware Safe

Might want to do a Google search to see if old Tupperware has BPAs that can get into your food.
by ArmchairArchitect
Wed Oct 05, 2016 10:11 am
Forum: Personal Consumer Issues
Topic: Incipient Car Rust: DIY Repair?
Replies: 15
Views: 1155

Re: Incipient Car Rust: DIY Repair?

Plenty of youtube videos on how to DIY repair this.

Just make sure you get "exact-match" paint based on your car's color code. Websites such as automotivetouchup.com have exact paint matches.
by ArmchairArchitect
Mon Oct 03, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Think about a whole house generator. Generac 22k
Replies: 31
Views: 3444

Re: Think about a whole house generator. Generac 22k

How about a Tesla Powerwall? Solar panels are not required for it, FYI.

https://www.tesla.com/powerwall

No maintenance, no noise, cleaner/greener, and it will probably even add a little resale value to your home.
by ArmchairArchitect
Mon Oct 03, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Older cars by owner on Craigslist - how long to listings stay?
Replies: 14
Views: 1422

Re: Older cars by owner on Craigslist - how long to listings stay?

Last year, we actually sold our old, inoperable minivan (bad engine) for a few hundred dollars on craigslist. I never followed up to see how long the listing stayed and never got more calls. It actually took two listings to make the sale. Got a few calls on the first, but nobody got back to me. Thi...
by ArmchairArchitect
Wed Sep 28, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 104
Views: 27896

Re: Timing Belt Change - Months or Miles if car is old?

My recommendation for the future is to not buy any car that has a timing belt (that requires periodic expensive changing). Timing chain engines don't require replacement, saving you a lot in terms of maintenance costs. As for right now, I would echo what some other posters have mentioned regarding i...
by ArmchairArchitect
Tue Sep 27, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 80
Views: 7152

Re: Replace car battery after X years or wait till it dies?

If a battery dies, you're not stranded. All it takes is a jump start from a good samaritan. You're better off spending the money on a good, compact Lithium-ion jump starter and keeping it in your trunk. I guess none of you guys ever go snowshoeing, cross-country skiing, rock-climbin, backpacking, h...
by ArmchairArchitect
Tue Sep 27, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 80
Views: 7152

Re: Replace car battery after X years or wait till it dies?

By the way it's pretty easy to change a car battery (at least in my car). Yes, it is easy to change a battery. However, it is important to do it properly. It is just as easy to do it improperly, which is more dangerous than one might expect. One spark in the wrong place can actually make a battery ...
by ArmchairArchitect
Tue Sep 27, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Stain Our Deck Before Winter - $3,000 or DIY?
Replies: 41
Views: 3730

Re: Stain Our Deck Before Winter - $3,000 or DIY?

Just find a handyman on craigslist or thumbtack.
by ArmchairArchitect
Tue Sep 27, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 80
Views: 7152

Re: Replace car battery after X years or wait till it dies?

If a battery dies, you're not stranded. All it takes is a jump start from a good samaritan.

You're better off spending the money on a good, compact Lithium-ion jump starter and keeping it in your trunk.

Replacing the battery before necessary is neither good for your wallet nor the environment.
by ArmchairArchitect
Mon Sep 26, 2016 8:28 am
Forum: Personal Finance (Not Investing)
Topic: latest scandal has me thinking of leaving Wells Fargo
Replies: 36
Views: 3985

Re: latest scandal has me thinking of leaving Wells Fargo

PNC Bank has served us very well for a big regional/national bank. Great customer service, very convenient hours and ATMs (and non-PNC ATM reimbursement), good account features, and theyre always up to date or ahead of the game when it comes to technology on their website, mobile app, and ATMs.
by ArmchairArchitect
Wed Sep 21, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: My "Corolla Investment" has ended...410,000 [miles]
Replies: 56
Views: 7576

Re: My "Corolla Investment" has ended...410,000

YOu drove it 410,000 miles...its still cheap to own. I too own a corolla. Im only at 120,000...besides changing tires/front brakes/oil and filters...the only other thing thats been changed is the water pump...and that only cost $70ish as I did it myself. What about timing belt? Unnecessary large ex...
by ArmchairArchitect
Mon Sep 19, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 27478

Re: A car nicer than the boss?

I wouldn't associate someone's income at all with what car they drive. A lot of people don't spend within their means...I've seen countless cases over the years where people have spent way too much on a depreciating asset (car), and others who I know make a ton of money (Partners) with ordinary cars...
by ArmchairArchitect
Fri Sep 16, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Amazon consumer review programs
Replies: 26
Views: 2357

Re: Amazon consumer review programs

Please don't contribute to the problem.

Amazon is a complete joke these days with all the manufacturer/seller-sponsored reviews; they do nothing about it when it's blatantly obvious and they absolutely can curtail the practice.
by ArmchairArchitect
Fri Sep 16, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 6978

Re: Which city for part time home during retirement?

Philadelphia by far. It's a real/big city. 3rd largest downtown (this is the better measure, versus cities that have higher population due purely to ridiculously large borders/sprawl, such as Houston or Phoenix). No -- wikipedia says they get 22.4 inches of snow per year. Yes, that's the only crite...
by ArmchairArchitect
Fri Sep 16, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 6978

Re: Which city for part time home during retirement?

Philadelphia by far. It's a real/big city. 3rd largest downtown in the country (this is the better measure, versus cities that have higher population due purely to ridiculously large borders/sprawl, such as Houston or Phoenix), so it's real, walkable, lively city living. 1- Liberal leaning city. Phi...
by ArmchairArchitect
Thu Sep 15, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 4562

Re: 2016 Murano or 2016 Acura MDX

Buy the one that doesn't require premium fuel, which is certainly not going to be the Acura. This will save you hundreds or thousands over the life of the car.

There's no reason to design a car that requires premium fuel, unless it's a sports car.
by ArmchairArchitect
Thu Sep 15, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 12802

Re: Favorite Coffee

La Colombe. Excellent coffee and has won tons of awards/recognition from those in the coffee "scene." https://www.lacolombe.com/pages/coffee Prices are very reasonable considering the quality. Side note: the owner (Todd Carmichael) has his own show on Discovery Channel called "Dangero...
by ArmchairArchitect
Wed Aug 31, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone bought a home with Redfin?
Replies: 35
Views: 5249

Re: Has anyone bought a home with Redfin?

We recently used Redfin as buyers in Philadelphia, and had an amazing experience. My last two house purchases involved agents who were "really good" but the Redfin agent we recently used, just completely blew me away with his knowledge, attentiveness, professionalism, and representing our ...
by ArmchairArchitect
Wed Aug 31, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: EBay price - how is this possible?
Replies: 31
Views: 4550

Re: EBay price - how is this possible?

shuresm7b1 wrote:
mouses wrote:Plus, if you pay people twelve cents an hour, products are cheap. Not ethical, but cheap.


And these are the same products that are in our Walmarts, Targets, Sears, etc......we just cut out the middle man.


Bingo.
by ArmchairArchitect
Wed Aug 31, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Do I need a real estate agent as a buyer?
Replies: 58
Views: 4138

Re: Do I need a real estate agent as a buyer?

Use Redfin.com and they'll rebate you a good chunk of their commission.

Also the service is better, as the agents get paid on performance/customer satisfaction and not commission.
by ArmchairArchitect
Wed Aug 31, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 155
Views: 21726

Re: Blue Apron

I live in the city (Philadelphia) and looked into BlueApron, it's just not worth the price when I can walk down the street and get any number of already-prepared meals of the same quality ingredients/healthy, for the same price (take-out or delivery at fast-casual restaurants) Unless BlueApron is pr...
by ArmchairArchitect
Tue Aug 30, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: EBay price - how is this possible?
Replies: 31
Views: 4550

Re: EBay price - how is this possible?

The Chinese government offers no/low cost shipping to domestic companies, that's how.
by ArmchairArchitect
Fri Aug 26, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: Honda maintenance schedule?
Replies: 49
Views: 4071

Re: Honda maintenance schedule?

Not sure why you're asking these questions on a finance forum. There are countless Honda forums you can join and ask your question there.
by ArmchairArchitect
Thu Aug 18, 2016 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Mechanical Breakdown Insurance - Is it worth it
Replies: 16
Views: 3655

Re: Geico Mechanical Breakdown Insurance - Is it worth it

Also figure out whether any claims for this coverage would be recorded in the CLUE database, thereby increasing your overall auto premiums (with any insurer).
by ArmchairArchitect
Wed Aug 17, 2016 8:31 am
Forum: Personal Consumer Issues
Topic: Bogus "sale" prices and savvy shoppers
Replies: 26
Views: 2963

Re: Bogus "sale" prices and savvy shoppers

froogle.com for general price comparison, make sure to sort by price.

For Amazon, camelcamelcamel.com

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