Search found 862 matches

by ClevrChico
Sat May 27, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2442

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: 3202

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: 9260

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: 5888

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: 3152

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: 1161

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: 3878

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: 1694

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: 34020

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: 3280

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: 11529

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: 4966

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: 6994

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: 7192

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: 7087

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: 5391

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: 1790

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: 1790

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: 12510

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: 7378

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: 760

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: 2861

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...
by ClevrChico
Mon Apr 03, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4836

Re: Is Craigslist still the main site to sell stuff locally?

If your time is valuable, no. I usually use Ebay. Otherwise work classifieds. If it's not worth the time to deal with, I donate or trash it.
by ClevrChico
Mon Apr 03, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 6715

Re: Got my second comma -- what is this anticlimactic feeling?

So with our paychecks last Friday, we crossed over $1mm in cash and investments. Why does it feel so anticlimactic? Maybe it's because we crossed over the million-dollar net worth hurdle in 2016 taking into account home value -- but honestly I thought I'd feel more excited about officially hitting ...
by ClevrChico
Sun Apr 02, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 7290

Re: Is anyone decreasing % of bonds this year?

Since I'll be slightly older this year, I'll be slightly increasing my allocation. :-)
by ClevrChico
Fri Mar 31, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 4055

Re: I don't understand how commercial real estate making money

I work in the fastest growing city in the state. It's new enough that there is no traditional business district, just strip malls everywhere. I do see long term vacancies that last for years in the strip malls. None are at 100% occupancy, but they keep building more. I've seen a decline of retail sh...
by ClevrChico
Fri Mar 31, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 9035

Re: What career helped you become wealthy?

In 2013, a UBS survey concluded wealthy was a net worth of $5 million:

http://www.cnbc.com/id/100904381

I'm sure you can define it any way you like.
by ClevrChico
Sat Mar 25, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 6823

Re: How did graduating out of daycare impact your finances?

Kid #1 graduated out of childcare into elementary school in 2016. Money going into taxable investments has increased $600/month. There is the expense of after school care, but that's one day a week for us. Summer will be full time, but it's still less than daycare. It's not a windfall, but it is not...
by ClevrChico
Fri Mar 24, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 3957

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

I read of this happening before on other forums, it sounds like a scam. Tax is clearly a line item in the purchase agreement here. The car dealer is responsible for collecting it.

I'd unwind the deal before I'd pay more than agreed upon.
by ClevrChico
Thu Mar 23, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4560

Re: How did you do your income taxes?

FreeTaxUSA

Free Federal. $11.65 State w/ coupon.

It was comprised of 24 pages of documents. Time/hassle saved is well worth it.
by ClevrChico
Thu Mar 23, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Help Overcoming a Lead Paint Phobia
Replies: 32
Views: 2420

Re: Help Overcoming a Lead Paint Phobia

I live in an older home with two young kids who tested normal for lead levels. - I assume any painted surface contains lead, including stained wood, and take precautions. - I've made sure any painted surfaces are sound. If not, I've used peel-stop, primer, and new paint. I do not sand. - I make sure...
by ClevrChico
Wed Mar 22, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 8464

Re: The $1,124.176 Car.

TCO on any car is pretty big. Add in opportunity cost. Ouch!

TCO on my old Honda Fit is around $250/month for some lazy commuting. Even that seems like a lot.
by ClevrChico
Wed Mar 15, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 101
Views: 10996

Re: Early Retirement - what to do about healthcare?

The blogger at Root of Good is an Early Retiree who discusses his family's healthcare costs in great detail. Here is a recent post: http://rootofgood.com/december-2016-financial-update/ Basically, they control their income to be just over the poverty line for maximum ACA subsidies so they pay very ...
by ClevrChico
Wed Mar 15, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 10222

Re: $464.12 dinner bill last night. No regrets.

That is a great story, and the way you thanked them is excellent. It's inspiring how your aunt and uncle helped you out and the difference it made in your life.
by ClevrChico
Mon Mar 13, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Just got my annual review today
Replies: 23
Views: 4704

Re: Just got my annual review today

That sounds pretty much like every review I've had. The communication ratings drive me bonkers, it's so subjective. My total compensation is slightly variable, and hasn't been trending great recently. To me, job flexibility and a great boss are worth a lot more than reaching for a promotion, and you...
by ClevrChico
Mon Mar 13, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: web access in a power failure
Replies: 21
Views: 1759

Re: web access in a power failure

If you have Sprint coverage you could use a hotspot from this organization to replace your internet access: http://www.4gcommunity.org/ The hotspots are battery powered. For an extended outage, you could charge the device via car charger, laptop, battery power tank, etc. As I understand it, Mobile ...
by ClevrChico
Mon Mar 13, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: web access in a power failure
Replies: 21
Views: 1759

Re: web access in a power failure

If you have Sprint coverage you could use a hotspot from this organization to replace your internet access:

http://www.4gcommunity.org/

The hotspots are battery powered. For an extended outage, you could charge the device via car charger, laptop, battery power tank, etc.
by ClevrChico
Mon Mar 13, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 162
Views: 14745

Re: High End Wrist Watches (Gone Crazy)

I shrunk it considerably. Just lost interest in having a bunch of different watches. http://www.savingadvice.com/forums/members/corn18-albums-stuff-picture31-screen-shot-2017-03-10-6-29-12-pm.png I love this "gone crazy" thread with the changing collection! I like how you still have a Cas...
by ClevrChico
Mon Mar 13, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18883

Re: gratuitous homeownership items

Mature trees.

The right species in the right location is great. If done incorrectly, maintenance is surprising high. (Gutter cleanings twice/year, leaves in the fall, trimming, insect treatment, expensive take-down.)
by ClevrChico
Sun Mar 12, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 5339

Re: Ally Bank Replacement

I was caught by the outage yesterday too.

The flip-side is that Ally seems to be investing and updating their software for the good of the customers. The latest mobile app is great! The fingerprint authentication is very handy.

I'm sticking with Ally.
by ClevrChico
Sat Mar 11, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: can you recommend good tires
Replies: 50
Views: 2773

Re: can you recommend good tires

I have the same car and bought Michelin Premier AS. They have excellent ratings.

I was very happy to see this tire available in the weird tire size Honda chose for this car. A few years ago there were only TWO choices.

Good luck!
by ClevrChico
Wed Mar 08, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 5425

Re: Are Fiat Cars Junk?

When my Honda was waiting for a new airbag, my long term rental was a Dodge Dart, which is a Fiat platform. It was an excellent driving car, very solid and put together well. While it won't be Toyota/Honda reliable, I'd have no issues with a modern Fiat. Experts do not share your opinion. The Dodge...
by ClevrChico
Tue Mar 07, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5396

Re: Car engines. Turbo vs no turbo

I had a Nissan 300ZX Turbo. At 140k+ miles it still produced full boost and burned no oil. The rest of the car was falling apart, but turbos should last the life of the car with proper maintenance.
by ClevrChico
Tue Mar 07, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 5425

Re: Are Fiat Cars Junk?

When my Honda was waiting for a new airbag, my long term rental was a Dodge Dart, which is a Fiat platform. It was an excellent driving car, very solid and put together well.

While it won't be Toyota/Honda reliable, I'd have no issues with a modern Fiat.
by ClevrChico
Sun Mar 05, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 4345

Re: The Joys Of Tax Season! :(

For me, daycare statements were late and comingled for the two kids. I also switched from TaxAct to FreeTaxUSA, and some of the data had to be manually re-entered.

This may be the first year I file an extension.
by ClevrChico
Sun Mar 05, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Downsides to Living in Same Neighborhood Entire Life?
Replies: 17
Views: 2014

Re: Downsides to Living in Same Neighborhood Entire Life?

I think we all experience the "grass is greener" syndrome. I didn't discover how great my small town truly was until I had college out of the way, and I was between jobs and had free time. Then, the new job moved me across the state. :twisted: Moving did force me out of my comfort zone, ne...
by ClevrChico
Sat Mar 04, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 7631

Re: Climate and happiness revisited

Unless it's really windy, anything above 20F is tolerable to me, anything above 40F is even better, and I hate being cooped up inside too. But obviously we all have different expectations regarding climate, that's one reason we live all over the world. Lots of people who ski, snowboard, snowshoe, s...
by ClevrChico
Fri Mar 03, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: How to ask back the book I lent to a Director?
Replies: 45
Views: 3003

Re: How to ask back the book I lent to a Director?

Absolutely don't bring it up again and consider it a gift. Pestering a director about a book you may have forced on them is a sure way to burn a bridge. :-)
by ClevrChico
Fri Mar 03, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Generating Passive income
Replies: 33
Views: 4100

Re: Generating Passive income

I hold a taxable account with tax efficient index funds. I believe by definition it is passive income, and if I didn't have w2 income, it would be mostly tax free.

In my situation, I can't imagine dealing with rentals or a second job. (No time, family, etc.)
by ClevrChico
Fri Mar 03, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Ever dip your feet into individual stocks?
Replies: 63
Views: 3821

Re: Ever dip your feet into individual stocks?

Yes, in the late 90's, in college. Lost half my money. Luckily it wasn't much money. Lesson learned.

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