Search found 890 matches

by ClevrChico
Sun Jul 23, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in an AirBNB unit? ROI?
Replies: 32
Views: 2688

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: 3048

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: 1893

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: 2713

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: 1670

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: 114
Views: 5196

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: 4830

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: 1807

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: 1800

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: 178
Views: 7203

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: 1997

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: 3031

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: 1624

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 larg...
by ClevrChico
Sat Jul 08, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6354

Re: Shopping for first bike since I was a kid

I love my Electra, which is owned by Trek. http://www.electrabike.com/ They offer cruiser type bikes with crank forward design, which is nicely ergonomic. It's so comfortable that I ride a lot more than I would otherwise. I don't believe they would do well for any challenging terrain, as they are mo...
by ClevrChico
Tue Jul 04, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 13251

Re: Are you finding any good values at Amazon anymore?

My last order was three months ago for electronics. It was a good deal.

I used to order MUCH more for Amazon, but now use Wal-Mart online and Boxed for everyday household items.
by ClevrChico
Sun Jul 02, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need help progressing in life after a massive setback
Replies: 31
Views: 5161

Re: Need help progressing in life after a massive setback

Time is on your side, so don't beat yourself up about having a setback. We all go through setbacks to a lesser or greater degree in our 20's, so you're not alone. Did you like your prior position? Have you considered working back towards that occupation? I remember in 2001 after the tech crash I was...
by ClevrChico
Sat Jul 01, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 12838

Re: Bogleheads: you should be buying 10-year old cars

runner3081 wrote:
ClevrChico wrote:It's potentially all moot if autonomous cars and ride sharing takes off in the next few years.

No way it happens in a few years (at least large scale). We are at least a decade away.


Ten years doesn't seem far away to me. :-)
by ClevrChico
Sat Jul 01, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 12838

Re: Bogleheads: you should be buying 10-year old cars

It's potentially all moot if autonomous cars and ride sharing takes off in the next few years.
by ClevrChico
Mon Jun 26, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 3828

Re: Things to do in Iowa/Nebraska

If you travel on Highway 34 between Burlington and Des Moines, you'll pass Fairfield, Iowa. It's a new age town, somewhat like a micro San Francisco. They have a small, but great Farmer's Market on Saturday mornings. (Live music, interesting foods, etc.) They have a Friday art walk the evening of 7/...
by ClevrChico
Sat Jun 24, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 2135

Re: Cars my only weakness, make me feel bad!!

It may not matter much, as ride sharing/automation could take over in a few years. :-)
by ClevrChico
Thu Jun 22, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Any BH use Coinbase?
Replies: 24
Views: 2153

Re: Any BH use Coinbase?

Yes, I used it with Purse.io. I had around $9 in bitcoins left over, which I sold this week for USD. I paid a 99/cent fee to Coinbase for a $9 sale! Over 10%, which is likely the minimum charge due to the small transaction, but that is a high fee. I find it ironic, since bitcoin is designed to free ...
by ClevrChico
Sun Jun 18, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 1393

Re: Which motorcyle?

Motorcycles are fun! 5 kids though? I would not recommend. Too many distracted drivers on the road. Get a sports car if you need to get away from the minivan occasionally, much safer. I hate to be a fun hater, but I agree. I love motorcycles, but every rider I know has had a life changing accident ...
by ClevrChico
Sat Jun 17, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Home siding thoughts
Replies: 32
Views: 2910

Re: Home siding thoughts

I have a 1950's ranch. You could probably hire someone to paint the existing siding reasonably. Being one level, it should be a piece of cake. Quality paint will last quite a while.
by ClevrChico
Sat Jun 17, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 3968

Re: Turbochargers

Pro: Spooling up the turbo in a tunnel or on a bridge and listening to the sweet sound.
by ClevrChico
Fri Jun 16, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance options
Replies: 33
Views: 3311

Re: Umbrella Insurance options

I go through an agent/broker who is far cheaper than the online/direct insurance companies. Every few years the broker switches companies. I've tried to beat the prices, but I can't.

I would have thought online/direct would be cheaper, but no.
by ClevrChico
Sat Jun 10, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: To re-paint car bumper, or wait
Replies: 12
Views: 881

Re: To re-paint car bumper, or wait

Rubbing alcohol would likely remove the scuff marks in picture 2. Then rewax area, almost as good as new.
by ClevrChico
Fri Jun 09, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 4548

Re: (Very) Early Retirement vs Parenthood

In my experience, parenting is one of the best things to happen to me. And I was pretty content to be a dog owner and gearhead before. My hardest job was 100X harder than being a dad. It's not that bad. I do encounter childless career people, and while very driven, they don't seem happy. I understan...
by ClevrChico
Wed May 31, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3648

Re: Job offer without an in person interview

I had two phone interviews with a Fortune 50 and was offered a job. They were not in a position to negotiate, and I declined. I'm pretty sure they are setup to churn through people.
by ClevrChico
Sat May 27, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2922

Re: New car doc fees

I negotiated a price with the dealer online. Come paperwork time, the doc fee was added to the agreed price. I refused to pay, they simply reduced the price of the car, but kept the doc fee. (Apparently they can get into trouble if the doc fee is not consistent.)
by ClevrChico
Sat May 20, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3542

Re: Bad experience with 'rescuing' a lost dog

I've found strays several times and have always contacted animal control. They do a great job, and the owner has to pay a fee, which is a nice reminder that they can't let their dogs run at large.

I've posted non-animals on Craigslist in lost and found, and it's full of scammers, so beware!
by ClevrChico
Sun May 14, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 9992

Re: Was there a $$$ number after which things got easier?

For me, recovery from the global financial crisis, not really a number. Looking at net worth,

7/2009 - 7/2010 - Only increased $8k for the year!
7/2010 - 7/2011 - Increase of $70k!

It's been snowballing since 2011 with gains.
by ClevrChico
Sat May 06, 2017 11:18 pm
Forum: Investing - Theory, News & General
Topic: Buffett/IBM
Replies: 73
Views: 6355

Re: Buffett/IBM

I've been a long-time customer of IBM. I was shocked when Buffett purchased IBM. The only thing I see that IBM has is customer lock-in which will decline and Watson. Neither seem great long term. IBM used to host free local training and seminars. I don't even know the first name of my IBM rep now.
by ClevrChico
Sat May 06, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3491

Re: Swing Set 2700.00??

Insane, right?

We bike to the local school's playground or neighborhood park. If we want to change it up, we hop in the car and go to a different park. All free.
by ClevrChico
Fri May 05, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Curb Impact Car Doesn't Go
Replies: 13
Views: 1310

Re: Curb Impact Car Doesn't Go

I suggest putting the car on a lift to inspect everything. This kind of accident can cause an incredible amount of damage with the undercarriage.

I lost one car this way. The body looked great, but frame was turned into a trapazoid. Along with a torn control arm and lots of other bits.
by ClevrChico
Mon May 01, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 4604

Re: Buying first home with old hvac

If you need to replace it, utility rebates and cheaper running costs will pay for it quickly.

My a/c and water heater are both at least 30 years old, still running.
by ClevrChico
Thu Apr 27, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Hourly rate for carpenter?
Replies: 15
Views: 1858

Re: Hourly rate for carpenter?

I pay $55/hour for a very skilled carpenter. He's booked months, so you have to get on a waiting list. He's absolutely meticulous, no travel time charges, and provides material at cost.

If you go cheap here, you won't find anyone that actually shows up.
by ClevrChico
Wed Apr 26, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35581

Re: Time to reach 1M and 2M milestones

0 - $1M - Twenty years that includes paying my way through college, insane hours, long drives, evil bosses, evil clients, and too little vacation. (Some good times too. :-) ) $1M - $2M - Five years (estimated) of enjoying my awesome job and making regular contributions to Vanguard. If I work another...
by ClevrChico
Wed Apr 26, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3668

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

I'm as frugal as the rest of you, but I see this as a good opportunity for not much money. You'll look good to your colleagues and you'll make someone's day. My small department gifted me several hundred dollars in gift cards for my first born. It was so generous and it was another reason to go the ...
by ClevrChico
Tue Apr 25, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 13112

Re: Will cars be autonomous in three years?

F-150 vs.Tesla is interesting cross-shopping! :-) Here's Bosch's 10 year plan (2015 - 2025) which seems reasonable: http://www.autonews.com/article/20150114/OEM09/150119807/bosch-outlines-10-year-path-to-door-to-door-driverless-car They seem slightly ahead of schedule. I believe a lot of autonomous ...
by ClevrChico
Sat Apr 22, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should some professions tell people how much they make?
Replies: 39
Views: 5287

Re: Should some professions tell people how much they make?

I can relate to your situation. Facial hair and even some gray highlights in your hair will make you look older. I would not tell people how much you make. Given your hourly rate, it's pretty simple to multiply it by 2080. :) As a parent, we're always testing what works best with our kids, and what ...
by ClevrChico
Fri Apr 21, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 7597

Re: Career advice in IT

Just remember there's a whole world outside IT. As a fellow IT person, I see people spend too many hours at the office, get one vendor cert after another, and it becomes all life consuming. I received invites to spend a good chunk of this weekend at an IT boot camp and a tech seminar. Continuing edu...
by ClevrChico
Fri Apr 21, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7813

Re: Removing a tree - expensive!!!

I had a huge silver maple close to my house removed in 2014 for $1580. I calculated labor to be 32 hours divided among the crew. That's a lot of labor. I had several bids with huge variations in pricing. The mom and pop, probably uninsured, outfit was the most expensive. I went with a large professi...
by ClevrChico
Thu Apr 20, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 7627

Re: Did anything surprise you in your 2016 taxes?

How annoying it is to upgrade one's Vanguard account mid-year to "brokerage format" and have double the 1099 paperwork to process.
by ClevrChico
Wed Apr 19, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 5858

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

I'd watch a few Charlie Rose reruns to get a few ideas on some excellent and safe questions. You probably only need one or two.

The Q&A session may only last about five minutes. Probably not a big deal.
by ClevrChico
Sun Apr 16, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: New law will ban NYC employers from asking about salary history
Replies: 15
Views: 1921

Re: New law will ban NYC employers from asking about salary history

How can they make an acceptable offer if they don't know your salary? Most companies have already set a salary for the position. Larger companies will use a salary band. If they want to save everyone's time, they'd disclose it to the candidates. (My company shares this info with internal employees....
by ClevrChico
Sat Apr 15, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: New law will ban NYC employers from asking about salary history
Replies: 15
Views: 1921

Re: New law will ban NYC employers from asking about salary history

Good for NYC! I've always found this to be a terrible question and difficult to answer honestly while not selling yourself short. Especially, if part of your salary is profit sharing and variable. Do you estimate that? What if you're current job is a month away from a raise? What if your have an ext...
by ClevrChico
Tue Apr 11, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 13111

Re: You can never go "home" - retirement

Great topic. I'm glad I'm not the only one that thought about this. My wife and I have had this retirement plan. I wanted it to happen so bad, it was the dream of my weekly lottery ticket. It's a small town that is very vibrant. If was so far off, it seemed like a great plan, but now I've having dou...
by ClevrChico
Tue Apr 11, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7740

Re: leaving early from work

I'm in a similar situation, and I do flex time, working partially from home. It works out really well, and I'm flexible on my side if the company needs me after hours. It's a two way street! Talk to your manager and work out an agreement. Otherwise, I'd probably go to 75% full-time. I could tell my ...
by ClevrChico
Fri Apr 07, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: way to carry a cell phone
Replies: 6
Views: 820

Re: way to carry a cell phone

I have to be on-call, so my phone has to be near me. Coat pockets for cool weather and a holster for summer is my solution. I've considered a Casio G-Shock watch with bluetooth: http://world.g-shock.com/us/en/ble/2nd/ That would keep notifications from being missed when swimming or when the phone is...
by ClevrChico
Tue Apr 04, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 2993

Re: Buying House with Odor (not cigarette)

I'd agree on passing. A friend bought a former smoker's car. He bought an ozone machine, charcoal sachets, shampooer, etc. The smoke smell is still there! It's especially noticeable after being out in the sun. Obviously it's a different situation, but it shows how hard odor removal is, and how futil...

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