Search found 1154 matches

by ClevrChico
Sat May 19, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 76
Views: 4409

Re: What’s your phone/internet bill?

$0. (Company provided for on-call work.) The door to door sales people have a tough time of getting me to switch.
by ClevrChico
Wed May 16, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 2820

Re: Brake work estimate

Most mechanics would not be in business without parts markup. That's legit.

Congrats on getting the price down by keeping the rotors. :-)
by ClevrChico
Wed May 16, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: I will be laid off but can not get unemployment benefits?
Replies: 26
Views: 3818

Re: I will be laid off but can not get unemployment benefits?

If those really are the rules, I'd just take a break from the reselling biz. Although, those rules seem awfully strict. If you're a small fish, you're basically having an online garage sale. I can't see that interfering with a job search.
by ClevrChico
Mon May 14, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7013

Re: Is there a boglehead muscle car?

A boglehead would rent their muscle car on Turo for a weekend (using tax-free dividends from VWIUX), get it out of their system, and go back to their fully depreciated, paid off daily. Why can’t a muscle car be fully depreciated and paid off? Besides, I’ve been driving quick cars (to various degree...
by ClevrChico
Mon May 14, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7013

Re: Is there a boglehead muscle car?

A boglehead would rent their muscle car on Turo for a weekend (using tax-free dividends from VWIUX), get it out of their system, and go back to their fully depreciated, paid off daily. Why can’t a muscle car be fully depreciated and paid off? Besides, I’ve been driving quick cars (to various degree...
by ClevrChico
Mon May 14, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7013

Re: Is there a boglehead muscle car?

A boglehead would rent their muscle car on Turo for a weekend (using tax-free dividends from VWIUX), get it out of their system, and go back to their fully depreciated, paid off daily.
by ClevrChico
Thu May 10, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3101

Re: IRS tax form [Rejected as photocopy, signature must be in blue ink]

This reminds me of applying for a passport which requires black ink. All the pens chained down at the passport desk had blue ink. :oops:
by ClevrChico
Wed May 09, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Most economical way to move vehicles State->State
Replies: 17
Views: 908

Re: Most economical way to move vehicles State->State

Moving is stressful enough, and I would do anything to make it easier regardless of cost. If a company is paying you relo, I wouldn't try to profit on it by making my life painful.

I'd sell them since it sounds like you don't have parking at the new place for a while.
by ClevrChico
Wed May 09, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2067

Re: Vehicle Tires and Dry Rot

It's a real thing, and it should be obvious in the tread area or sidewalls. When I didn't have much money, I drove on severely cracked tires and somehow survived. I would not let my kids do this.
by ClevrChico
Wed May 09, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5280

Re: What's the view on dogs running free?

As someone involved in animal welfare, it's very irresponsible and likely against the law. Dogs get hurt or killed because of this all the time. Since this is a neighbor that seems friendly enough, I think you can ask them nicely to keep their dog out of your yard. (I try to treat my neighbors like ...
by ClevrChico
Tue May 08, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5469

Re: How to handle problem employee

I had a manager ask such employees to attend outside "communications classes" as an annual goal. Employee gets a day away from the office for a class, an easy annual goal, and a strong hint they need to act more like a team player. Everyone wins.
by ClevrChico
Sun May 06, 2018 10:17 pm
Forum: Investing - Theory, News & General
Topic: Natural Life Expectancy
Replies: 17
Views: 1380

Re: Natural Life Expectancy

If you want to go down the rabbit hole of researching your ancestors, this is quite interesting:

https://www.findagrave.com/

I was shocked how long lived some of my ancestors were, even in the 1800's.
by ClevrChico
Sun May 06, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7873

Re: What career for smartest kid in the class?

I'll toss technology into the career hat. Lots of upward mobility potential. A bachelors (or less) will get talented folks into an upper middle class salary. You can design your own job as you see fit. (Hours, remote work, travel, independent contracting, etc.)
by ClevrChico
Wed May 02, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall advice for an overwhelmed person
Replies: 7
Views: 1404

Re: Windfall advice for an overwhelmed person

I think I am confused. Before this windfall you had negative net worth of 130k? And now you are looking to leverage yourself to buy a house and condo using margin on this windfall?? Here is my advice to you: 1) Take $355k and pay your taxes, student loans and car loan 2) Set-aside 45k as an emergen...
by ClevrChico
Mon Apr 30, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 6837

Re: How would you handle a request for money from a niece?

As others have said, it's not the amount, but the danger of starting a bad habit. Do not give/loan money to family and friends. Quite a generalization. Do you really think that every act of familial generosity, no matter the context, puts the recepients’ fiancial soul in jeopardy? From the OP’s des...
by ClevrChico
Mon Apr 30, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 6837

Re: How would you handle a request for money from a niece?

As others have said, it's not the amount, but the danger of starting a bad habit. Do not give/loan money to family and friends.
by ClevrChico
Mon Apr 30, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8594

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

The over protective dad in me would have them purchase an Amtrak pass that would allow them stops along the way. (I've had a family member and coworker both total their vehicles on road trips this year. They walked away, luckily.) Here's a list of National Parks available via Amtrak: https://www.amt...
by ClevrChico
Sun Apr 29, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Job Search Suggestions (Tech)
Replies: 14
Views: 1033

Re: Job Search Suggestions (Tech)

Find jobs on Indeed, and then apply directly. Spend time making your resume concise and readable. (One page is good.) Most resumes out there are terrible.

LinkedIn and recruiters will send you mostly junk that you have to filter out. Just apply directly yourself for places you want to work.
by ClevrChico
Sat Apr 28, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Do you sell or donate unused items?
Replies: 46
Views: 2706

Re: Do you sell or donate unused items?

If it's worth > $50 I Ebay it or I place it on the Megacorp classifieds board. Anything else, gets donated for the state tax deduction. (No more federal itemization for us.)

I avoid Craiglist/Facebook/etc. to sell stuff due to flaky people.
by ClevrChico
Sat Apr 28, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Cheapest way to subscribe to the NY Times
Replies: 9
Views: 1043

Re: Cheapest way to subscribe to the NY Times

My library offers free digital access anywhere (just log in with library card). Physical access would require driving to the library. :-)
by ClevrChico
Thu Apr 26, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5847

Re: Learning to drive stick

I'd go with the auto in a foreign country that you're not familiar with.

If you want to become proficient with a manual transmission, best to buy a car with one and learn. This is definitely not something you want to learn on someone else's car.
by ClevrChico
Wed Apr 25, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2187

Re: Do you have a car w/o ABS?

I didn't own a car with ABS or airbags until 2009. We were taught skid control in drivers ed, so panic stops never really bothered me.

But, I'm glad I now have the safety features. Driving is by far the most dangerous thing my family does every day.
by ClevrChico
Tue Apr 24, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10096

Re: Salary Negotiation gone sour

Being able to walk away from a negotiation is a good thing, so don't stress about it. If they contact you later with an offer you like, go for it. It happens all the time. Going through a recruiter may have put you at a disadvantage. Apply directly the next time you're looking. The recruiter seems t...
by ClevrChico
Sat Apr 21, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2614

Re: How long have you been employed?

First job to present = 27 years.

Total of twelve months involuntarily unemployed. (Telecom crash + .com crash)

Time for a sabbatical?
by ClevrChico
Sun Apr 15, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Removing oil stains on garage floor
Replies: 10
Views: 1173

Re: Removing oil stains on garage floor

I've used Dawn and Brillo pads with success. Dawn soaks and brushing might be enough before getting too aggressive.
by ClevrChico
Sun Apr 15, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Consultant leaning toward 1099 instead of W2 and looking for advice
Replies: 8
Views: 689

Re: Consultant leaning toward 1099 instead of W2 and looking for advice

Have you calculated liability/E&O insurance into the 1099 rate? Since we're a risk adverse group here, I'd suggest having that lined up first if going 1099, as it can take some time.
by ClevrChico
Sat Apr 14, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should we save for our son's college?
Replies: 96
Views: 8462

Re: Should we save for our son's college?

We live in a state with high income taxes, so a 529 is an easy decision for us. The trend is our state schools receive less funding annually and regular tuition increases make up the differences. I want to do what is best for my kids, and I don't want to stress about paying tuition when the time arr...
by ClevrChico
Sat Apr 14, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 4183

Re: Is it necessary to replace brake fluid on a car every 3 years?

I think Honda is overkill on their brake fluid schedule in most situations. My Honda factory fill is eight nine years old and still not dark, but that's probably too long. There is a former Acura mechanic on Youtube that covered this. Apparently some dealer mechanics would simply use a turkey baster...
by ClevrChico
Sat Apr 14, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Window blinds to cut costs?
Replies: 8
Views: 1510

Re: Window blinds to cut costs?

If you have storm windows, upgrading to new storm windows with "Low-E" glass can make a big difference. Low-E can block most solar heat. Cost per window is around $100/each.
by ClevrChico
Sat Apr 14, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 41040

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

I'd say higher end purchases for the kids. The fancy crib was barely used. Fancy carseats that we paid too much for. (I like our mainstream carseats better.) Kid items either seem to be destroyed in short order or not used. There's no need to go fancy on most this stuff. I gave away the good stuff t...
by ClevrChico
Fri Apr 13, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 10393

Re: Mid-40s in tech - how to pass off as acceptably young

Lots of good comments here. I'd add, lose any facial year to look younger. As mentioned before, make your resume age neutral. Keep it to one page and truncate all the legacy work off. The best thing you can do is stay current. If you're up to date I don't think anyone would care too much. I also had...
by ClevrChico
Mon Apr 09, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4627

Re: Handling ageism in tech

Management is probably a poor place to retreat into. The industry trend is to have small groups led by talented, hands-on technical leads. As far as handling it, I believe the best we can do is to keep our skills current. Also staying fit and taking care of yourself can make you seem younger. Simpli...
by ClevrChico
Sat Apr 07, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13234

Re: Ivy school education. Is it worth it?

I'd love to have the network that an Ivy school would bring. But, if you're talking ROI for the average/typical student, the best ROI would probably be to get an associates degree at a community college. Land a paid internship during a summer and then get hired on full-time. From there, complete you...
by ClevrChico
Sat Apr 07, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5426

Re: [When is going out to a restaurant worth it to you?]

- Usually when we're short on time or just exhausted from work. Ordering take-out on a mobile app and picking it up is fantastic. - When it's close to grocery day and we're nearly out of food. - When we have guests on short notice. I'd much prefer home cooking. Restaurants are expensive, the food is...
by ClevrChico
Fri Apr 06, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 3747

Re: Any hardworkers here who half-a** at work?

Life experience has taught me that things rarely work out exactly how one wants. But, I never take my livelihood for granted and opportunities do eventually happen. I'd look for a new job before I decided to just slack.
by ClevrChico
Wed Apr 04, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: State Muni Funds
Replies: 10
Views: 1229

Re: State Muni Funds

I live in a rural state, and I don't believe a muni bond fund even exists for the state with any company.
by ClevrChico
Mon Apr 02, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: New Microwave - what to select?
Replies: 11
Views: 894

Re: New Microwave - what to select?

Sharp makes microwave innards for Wolf and other high-end "manufacturers", who only add a door and then charge (a lot) extra for their own matching trim(s). So from a functionality standpoint, it doesn't matter which brand you buy. But looks and warranties do differ. Best deal is to buy a Sharp on ...
by ClevrChico
Sat Mar 31, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: auto/umbrella insurance agents
Replies: 7
Views: 751

Re: auto/umbrella insurance agents

If such a thing doesn't exist, why not go with a mutual insurance company?

https://en.wikipedia.org/wiki/Mutual_insurance
by ClevrChico
Fri Mar 30, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 59
Views: 5894

Re: Amica Increase

I've found it's very difficult to price compare quotes for combined auto/home/umbrella. It took me about a week with the Amica rep to dial in exactly what I wanted on a new policy. And, that was easier than my local agent who wanted to just put me into what everyone else normally buys. I know people...
by ClevrChico
Fri Mar 30, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9306

Re: Resign from job or possible termination

I'd recommend continuing your job search while you're still working if possible. Already having a job gives you much better leverage to negotiate, and you can be choosy about finding a job you really love vs. settling.
by ClevrChico
Thu Mar 29, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 13294

Re: Healthy eaters -- is this grocery budget normal to you?

I'd guess you could still eat extremely well, but spend half as much by switching to Aldi. Asian grocers are also extremely price competitive and have great seafood and produce. You have high expenses because you're shopping at the most expensive stores possible. We're a family of four, and I believ...
by ClevrChico
Tue Mar 27, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 6402

Re: Concerns with Vanguard

While Vanguard's mistake left me scrambling to check my account at work this morning, I don't believe it's a big deal. Vanguard customer service was aware it was erroneous, which is important. I had a similar issue at Ally in the past, and customer service was not aware it was a mistake. Not good. :...
by ClevrChico
Sun Mar 25, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Google Drive & iCloud Drive
Replies: 11
Views: 747

Re: Google Drive & iCloud Drive

This battle has been fought and won, and the cloud is here to stay. My own occupation is related to the cloud, and I normally encounter some person on a weekly basis make comments that it's just a fad. Nope. The cloud is a godsend for critical data. I keep a copy on my laptop and another on an exter...
by ClevrChico
Thu Mar 22, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22631

Re: Anyone Deleting Facebook?

No way! It's how I keep in contact with worldwide friends and family. I've blocked anything that would violate a forum rule here, and life is good.
by ClevrChico
Thu Mar 22, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 10447

Re: Losing friends/family when wealthy

Once kids enter the picture, most everyone gets overwhelmed. I'm very happy if I get an hour of downtime a day.
by ClevrChico
Thu Mar 22, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Amtrak tickets - change in refund terms: UPDATE
Replies: 20
Views: 2008

Re: Amtrak tickets - change in refund terms

Amtrak tickets used to be treated nearly like cash. The ticket was a reservation for a seat, but you could use it in the future if there was room. Now it appears that's only available with a "flexible fare", which sounds like paying more for built in travel insurance.
by ClevrChico
Thu Mar 22, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 13834

Re: Working till retirement is not a great plan

And it doesn't even have to be age discrimination. Industry disruption and automation can make your entire industry obsolete.
by ClevrChico
Tue Mar 20, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13686

Re: HSA family max contribution lowered to $6850 for 2018

Many thanks to OP! :sharebeer I was able to reduce my 2018 HSA contribution at the MegaCorp benefits provider by $50, problem solved. It took all of five minutes with an online form. Both the HSA provider and HR had notices posted with "instructions to follow". Obviously it caught everyone by surpri...
by ClevrChico
Mon Mar 19, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6604

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

I don' think I would feel comfortable spending that kind of money until maybe the 3-4m mark. I'm well aware that there is a huge number of factors that would be at play. Just wanted to get the discussion started and get your thoughts and opinions. :sharebeer Agree. This 2006 article quotes the aver...
by ClevrChico
Sat Mar 17, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 268
Views: 33247

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

One test is worth a thousand experts opinions. Have an oil sample tested ASAP. +1 to this. As a Honda owner, I've been very impressed how Honda Corporate has handled multiple recalls on my car. The local dealer experience is less than impressive. If you get a service advisor/manager that is sharp a...