Search found 927 matches

by ClevrChico
Sat Sep 16, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 309
Views: 15601

Re: Is it really Worth it to brown bag your lunch at work?

Eating at work is worth it for me. It saves a bunch of time, which means I can start work later, and take kid1 to school. The alternative would be before school care, which kid1 probably wouldn't like (too early.) Brown bagging lunch = happier, healthier family and saves about $5k on lunch and $2k o...
by ClevrChico
Wed Sep 13, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10543

Re: Anyone else freeze their credit score?

Are there any thoughts about consolidating best practices for this into the wiki?
by ClevrChico
Sat Sep 09, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 249
Views: 20143

Re: Name something you had to have and now you regret purchasing it?

A Groupon deal for a discount colonoscopy. Someone gifted me a pretty cool Groupon experience driving an exotic vehicle. But, it was wayyy out of state, and required something like 12 hours of driving round trip. I waited until it neared expiration, so I went despite being very under the weather. T...
by ClevrChico
Sat Sep 09, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 5919

Re: Luxury car: perception vs reality

The author of Millionaire Next Door went on to write Stop Acting Rich. In that book he says something like 85% of luxury car owners are NOT millionaires. I remember two stats that jumped out at me. 100% of Aston Martins are NOT owned by millionaires, and 99% of Ferraris are NOT owned by millionaire...
by ClevrChico
Sat Sep 09, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 5919

Re: Luxury car: perception vs reality

Our billionaire venture capitalist drove a basic F-150. The engineers drove Mercedes and Lexus.

I'd guess a lot of luxury car owners do not have a high net worth.
by ClevrChico
Sat Sep 09, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 5330

Re: Purchasing Home With Girlfriend; Good or Bad?

I would not buy a single family home until I was married with multiple kids. If you were married with twins, a 2 BR condo would be sufficient for years.
by ClevrChico
Thu Sep 07, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4647

Re: how often does high ACT score == scholarship?

With such a high ACT score (congrats), I'd expect partial scholarships. My state is having revenue problems, and one of the first things cut were scholarships, including academic scholarships that were already awarded. There are really no guarantees, and it's variable depending where you go. My expe...
by ClevrChico
Mon Sep 04, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2664

Re: Are you a "car guy" or "car gal", how do you fund?

I used to be, and I used voluntary overtime to pay a majority of maintenance and repair costs. Shop rates were a painful $90 - $100 hour at that time. If you're savy and a little lucky you can choose a car that will appreciate or minimally depreciate. Depreciation for me was $500 over 70k miles. Mai...
by ClevrChico
Sun Sep 03, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 74
Views: 9608

Re: Becoming a Landlord: My Experiences

Interesting, thanks for the post.

Any idea why a landlord would convert a newer complex from rentals over to condos? Is that a sign things weren't going well? A previous landlord did this.
by ClevrChico
Sun Sep 03, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Humble dollar article on munis
Replies: 6
Views: 638

Re: Humble dollar article on munis

I put all scenarios into a spreadsheet, and munis in taxable were the most optimal for me. There is a strong argument that bonds belong in taxable.
by ClevrChico
Sat Sep 02, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3003

Re: Evaluating new job offer

I'd keep the current job with the nice people and decent boss. Maybe, find a way to make things less boring? Perhaps the company gym, outside training, toast masters, or mba?

There's a lot of tech employers that treat their employees bad, so I wouldn't leave a good one once I found it.
by ClevrChico
Fri Sep 01, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: Ethereum (cryptocurrency) flash crash, 6/21/2017, $339->$0.10 in "seconds"
Replies: 30
Views: 4559

Re: Ethereum (cryptocurrency) flash crash, 6/21/2017, $339->$0.10 in "seconds"

I have interest in crypto and have used it, but in no way do I invest in it. I read the crypto forums, and I'm thankful for our helpful userbase and moderators. The amount of undisciplined "investment" behavior discussed in these forums is pretty scary. (Everything from talk of tax evasion, zero div...
by ClevrChico
Fri Sep 01, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 4325

Re: Robert Kiyosaki - rich dad, poor dad

Read it. Made me feel like an underachiever. It turned out to be fiction. Do not recommend spending time reading financial fiction.
by ClevrChico
Tue Aug 29, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 7985

Re: Relative angry I will not co-sign

You did the right thing. You can't choose your family, but you can choose your friends. Focus on your friends instead.

I'm estranged from an entire branch of my family tree due to their bad behavior, and it's for the better. (I'm sure they feel the same way too. :happy )
by ClevrChico
Sun Aug 27, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 208
Views: 23120

Re: What is Bitcoin?

On Friday, my dental hygienist, who seems to get interested in every "get rich quick" scheme that comes down the pike, expressed great interest in buying Bitcoin for appreciation. This is one of my usual indications that something is reaching bubble status, like that old great depression tale of th...
by ClevrChico
Sun Aug 27, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3178

Re: Desperate to get rid of mosquitoes, what else could we try?

I use "Mosquito Barrier" which is concentrated garlic juice that I apply in a garden sprayer. Swarms of bugs visibly flee as I apply it. I also cut the grass short to make it less bug friendly. Does that really work? We cut ours tall to make it less weed friendly and drought tolerant. Short grass d...
by ClevrChico
Sun Aug 27, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3178

Re: Desperate to get rid of mosquitoes, what else could we try?

I use "Mosquito Barrier" which is concentrated garlic juice that I apply in a garden sprayer. Swarms of bugs visibly flee as I apply it.

I also cut the grass short to make it less bug friendly.
by ClevrChico
Tue Aug 22, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 4737

Re: Eclipse Traffic: predictions vs reality?

North/South traffic was still orange on main roads on Google Maps into late evening in the midwest. The interstate here, hundreds of miles from the viewing area, banned shoulder parking. Traffic cameras showed bumper to bumper traffic instead of the normal light traffic. People that traveled here re...
by ClevrChico
Mon Aug 21, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Remodel humor: roof quote
Replies: 6
Views: 1692

Re: Remodel humor: roof quote

Yes, always get at least three quotes. There's always at least one outlier to the point of being humorous.
by ClevrChico
Sat Aug 19, 2017 6:07 pm
Forum: Investing - Theory, News & General
Topic: 1000+ Crypocurrencies and growing
Replies: 3
Views: 660

Re: 1000+ Crypocurrencies and growing

It feels like the IPO frenzy of the 90's. Let's create "Bogle Coin", with an at cost exchange.
by ClevrChico
Fri Aug 18, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 7091

Re: DUI lawyer - need advice

I had a colleague get convicted. One smart thing he did was carpool and not reinstate his license until an SR-22 was not needed. That saved a bundle of cash.
by ClevrChico
Thu Aug 17, 2017 10:57 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 87
Views: 14332

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

This made things clearer to me:

https://www.vanguard.com/jumppage/proxy/prop3.html

Paraphrasing, they already have a procedure in place for this issue, and they are recommending that they don't create another one.
by ClevrChico
Thu Aug 17, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 11823

Re: Is it worth it? [demanding jobs vs time with family]

I worked those kind of hours in my 20's, and I can't imagine doing that with a family. A 65 hour week barely left time to eat properly or do laundry, even for a single guy.

I'd guess most of us here work(ed) normal hours (40), have a family, and STILL have won or will win the game. :sharebeer
by ClevrChico
Sun Aug 13, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 6935

Re: How does personal wealth affect job hunting?

This forum and the wiki have been key for financial security and realizing when enough is truly enough. It's also made working life tremendously better since I no longer chase every dollar. I even take an extra week unpaid each year for an even better work life balance. A position was posted last we...
by ClevrChico
Sun Aug 13, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Alternatives/choices with ambulance or rescue squad
Replies: 25
Views: 1252

Re: Alternatives/choices with ambulance or rescue squad

I had to call 911 for a family member six years ago. The local fire department responded and there was a $500 charge. Insurance paid.

The cost of transport didn't really matter, because all the hospital charges put them at out of pocket maximum for the year anyway.
by ClevrChico
Sun Aug 13, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6441

Re: Expect to spend $2.6M on healthcare?

I expect technology to come to the rescue, but I could be wrong.
by ClevrChico
Fri Aug 11, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Home Ownership / Investing
Replies: 18
Views: 927

Re: Home Ownership / Investing

I own a modest, paid for house. It's the exact opposite of what I consider an investment, it's an expense. :-) I do see young people buying huge houses with more bathrooms than occupants, thinking it's an investment, and I shake my head.
by ClevrChico
Fri Aug 11, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a student
Replies: 27
Views: 1439

Re: Buying a house as a student

Most of the landlords I've dealt with could be described as "frazzled". I can't imagine doing this and being a student.
by ClevrChico
Sun Aug 06, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Losing confidence in Ally Bank - what would you do
Replies: 58
Views: 6763

Re: Losing confidence in Ally Bank - what would you do

Something similar happened to me a few years ago with Ally. It corrected itself by the next day, and it's been problem free since. (Customer service wasn't helpful, but it was some software problem they had no visibility into, so not surprising.) I love Ally's ATM reimbursement and they keep their s...
by ClevrChico
Sun Aug 06, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Trip to Maine
Replies: 30
Views: 1987

Re: Trip to Maine

We went to Bar Harbor in mid to late September one year, which is apparently the end the tourist season. That was really great for us, since we don't mind the cool weather. We enjoyed Trenton Bridge Lobster Pound. Great seafood and not fancy. I remember eating outside on picnic tables. The vacation ...
by ClevrChico
Thu Aug 03, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Mr handyman?
Replies: 14
Views: 2037

Re: Mr handyman?

I try to get three quotes for every project. The highest I pay is $55/hour which is for a very reliable, master carpenter. I do see these $100/hour rates and think they're ridiculous. :-) Anything with a "trip charge" is a red flag to me. I don't charge my boss a trip charge for going to work.
by ClevrChico
Wed Aug 02, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 9787

Re: Burned out at 28. Do I have enough?

Is it your specific employer or your profession that is such a grind? If it's your employer, find something better! I was at the point where you were, switched employers, and received much better hours plus higher pay. I would do everything I can not to take a paycut. I thought early retirement was ...
by ClevrChico
Sat Jul 29, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17055

Re: Tesla - next big lottery ticket ?

I feel the same way, but GM has beat them to market with the Bolt. The Volt is a pretty good car. Other automakers have self driving cars in their pipeline. This could get very competitive.
by ClevrChico
Sat Jul 29, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"
Replies: 37
Views: 4451

Re: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"

At what point does it make sense to buy the Target fund components in their individual admiral form? It looks like doing that for a couple of my IRA's would save a few hundred dollars in expenses annually.
by ClevrChico
Sat Jul 29, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Any pilots here? [as a career]
Replies: 38
Views: 4472

Re: Any pilots here? [as a career]

I have a friend that made a career change and started training around 30. They are very sharp and seem to love their pilot job.
by ClevrChico
Thu Jul 27, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 9056

Re: Should I Quit my 6-figure job?

"no overtime, no weekends, no taking work home, 40 hours per week"

I definitely would not quit that. As others mentioned, consider a side gig if you need a challenge.
by ClevrChico
Sun Jul 23, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in an AirBNB unit? ROI?
Replies: 32
Views: 3134

Re: Investing in an AirBNB unit? ROI?

I'd rather stick with with index funds properly allocated. Likely more return, no work, and more tax efficient.
by ClevrChico
Fri Jul 21, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 45
Views: 3403

Re: Cryptocurrencies

The exchanges have high fees and the currency has volatile prices. Those are two big things I avoid when investing. When I invest in bonds, I know I'm essentially loaning money. When I invest in public companies, I'm a small owner. With crypto, I'm speculating that someone else will pay more. Are yo...
by ClevrChico
Thu Jul 20, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: car lease buyout at term end - how negotiable?
Replies: 25
Views: 2186

Re: car lease buyout at term end - how negotiable?

Your state laws may have something to do with it too. In our state the leasing company cannot provide any information on the buyout, except instructing us to go to a dealer. I'm 'guessing this is due to franchise laws. The buyout price was already stated in the lease and every dealer said it was non...
by ClevrChico
Thu Jul 20, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 3117

Re: Indoor activities for a 3-year-old

Go for a car ride and have them give you directions on where to go. See where you end up. :-)
by ClevrChico
Thu Jul 20, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 1866

Re: Office 2007 end of life

Depending upon the complexity of your documents you might try https://office.live.com/start/Excel.aspx# It's free but lacks some of the bells and whistles of a paid version. It's all in the cloud. You can upload existing Office documents or create new ones that then are edited online. It's a small ...
by ClevrChico
Wed Jul 19, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 6985

Re: Would you let your teenager spend all his savings on a gaming computer?

I think it's a great idea. It's a good learning experience: 1) The project itself. 2) The lesson of blowing all your money.

Some of my best memories are from things I got to do with my part time job money when in school.
by ClevrChico
Wed Jul 19, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 5522

Re: My Costco/TrueCar auto shopping experience

It's been a few yeas, but TrueCar was not a great deal. It also resulted in many high pressure phone calls from a participating dealer.

My best deal was found simply emailing dealers. It took a few hours of time, but it was worth it.
by ClevrChico
Mon Jul 17, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do you guys accept first Job offer or negotiate?
Replies: 26
Views: 1978

Re: Do you guys accept first Job offer or negotiate?

A little negotiation is usually ok. (5% over offer) A large ask over their offer won't go over well. (15% over offer) Asking for a ridiculous amount might make you the water cooler joke of upper management for a couple weeks. (2x offer) There are lots of variables. That is just my experience from hi...
by ClevrChico
Sun Jul 16, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement 2065
Replies: 22
Views: 1980

Re: Vanguard Target Retirement 2065

This makes me feel old!
by ClevrChico
Sat Jul 15, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 10202

Re: Do you count vehicle equity in net worth?

I just kbb'd our cars. My daily driver is worth $6k. :shock: DS's daily driver is worth $3k :shock:

Depreciation, ouch! Do not include.
by ClevrChico
Sat Jul 15, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 2182

Re: Time to dump State Farm agent?

I'd much rather go direct, and I like Amica. I've found that an agent drives to sell a generic package that fits the typical consumer that doesn't care to know much about insurance. Low deductibles, identity theft insurance, etc. It's almost an expensive maintenance plan for the house. With Amica, I...
by ClevrChico
Sun Jul 09, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: What insurance company has the best coverage for auto, renters, and umbrella?
Replies: 35
Views: 3214

Re: What insurance company has the best coverage for auto, renters, and umbrella?

I'm a new Amica customer. As others have said, they are highly rated on JD Power. Good website, great customer service, nice autopay setup. Plus, they are a mutual, so they are owned by the policy holders. This is as close as I could get to a Vanguard-like insurance company.
by ClevrChico
Sun Jul 09, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy
Replies: 13
Views: 1710

Re: Umbrella Policy

Michael & Gill Thanks for your responses. I will keep it. Great idea! If you're concerned about cost, UI/UM is really cheap. I also increased my house deductible to $25k, and the savings pays for the umbrella. I can handle something moderately bad happening to the house. But, the risk of a large li...