Search found 289 matches

by PowDay
Tue Apr 25, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Purchase new, but older model cell phone - Best method?
Replies: 8
Views: 510

Re: Purchase new, but older model cell phone - Best method?

Instead of buying an old high end phone, you will be better off with a new mid-range/low-end phone. The Moto G5 shares the same form factor as the SG5, but will be much more powerful, have a warranty, and the latest software. All for $229 from amazon. http://www.phonearena.com/phones/compare/Motorol...
by PowDay
Fri Apr 21, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: What To Do With My Car While in NYC
Replies: 32
Views: 2752

Re: What To Do With My Car While in NYC

Depending on your neighborhood, just street park it. It's much easier in the outer Bourgous, but for only a year its not that big of a deal. A lot of NYC opinions come from people who have visited times square on vacation a few times, but outside of lower-mid Manhattan street parking cars isn't unco...
by PowDay
Tue Apr 18, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: 2009 Toyota Highlander on the way out
Replies: 23
Views: 1698

Re: 2009 Toyota Highlander on the way out

The new Acadia Denali is really small for a three row, With three kids I would consider waiting for the new Traverse High Country, or Buick Enclave Avenir

http://www.chevrolet.com/all-new-2018-traverse

http://www.buick.com/enclave-mid-size-luxury-suv/#/index
by PowDay
Tue Apr 18, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 5100

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

Great advice on the CEO aspect, I would encourage you to see if you can figure out what peers will be in the room as well. How you are perceived by that audience when interacting with them in front of the CEO, will be much more important. Those "peers" could be your next manager If half th...
by PowDay
Thu Apr 13, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: RV Rental
Replies: 25
Views: 2019

Re: RV Rental

It's a lifestyle decision, not a financial one, hotels and house rentals will be much cheaper than RV Ownership or rental once you add up all the costs.
by PowDay
Thu Apr 13, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Where to use $10k inheritance
Replies: 7
Views: 646

Re: Where to use $10k inheritance

Silk McCue wrote:
Jamieson22 wrote:I'd boost that Emergency Fund by $9k, and blow $1k on something nice/fun.


+1


+2
by PowDay
Mon Apr 10, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Help me decide what to do with my cars
Replies: 34
Views: 1552

Re: Help me decide what to do with my cars

I would keep the Subaru, access to a AWD car that does great in the snow, plus it can handle back-up family duty just fine when the Minivan is in the shop, plus you will get to go 6-7 years before having to worry about getting a new car. If money was the only thing that mattered, you could just trad...
by PowDay
Mon Apr 10, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: home exchange experiences
Replies: 9
Views: 999

Re: home exchange experiences

I've never done it, but I believe there are some dog related groups who exchange houses, you trade houses and dogs avoiding having to send your pets to the kennel.
by PowDay
Fri Apr 07, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Repair vs Replace car for someone just starting out
Replies: 23
Views: 1528

Re: Repair vs Replace car for someone just starting out

This may not be traditional Boglehead advice, but consider pairing back you 401k a little. It's great that you are saving $20k a year on a $46k salary, but not if it's preventing you from starting your life (Moving out and having reliable transportation) What do you do for work where you are making ...
by PowDay
Thu Apr 06, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: How to buy a car with a Lightstream loan?
Replies: 10
Views: 514

Re: How to buy a car with a Lightstream loan?

No Haggle means no haggle, the best you can do is possibly push for worn tires to be replaced, but I wouldn't count on it. Dealers make a significant portion of their profit from finance kickbacks, at a Haggle dealership "Cash" buyers" pay more, ask the dealer to match your light stre...
by PowDay
Wed Apr 05, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8384

Re: Buying expensive car, how to keep payments low?

How about the new VW Atlas, well equipped for $40k.
by PowDay
Fri Mar 31, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Boston apartment hunting advice/can I afford a studio?
Replies: 48
Views: 3403

Re: Boston apartment hunting advice/can I afford a studio?

Consensus seems to be that you can't afford a studio, and I agree. Put your efforts into finding good high quality roommates. The stigma of having roommates is gone, It's common for professionals into their 30s to live with roommates, I know some who even spend upwards of $1,800 a month per person f...
by PowDay
Tue Mar 28, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Buying a home in a seller's market - how to decide how much to pay
Replies: 8
Views: 805

Re: Buying a home in a seller's market - how to decide how much to pay

Assessed values don' t mean anything by themselves, all they are used for is comparing the value of one house to another. For example Scenario A House A - Value $100k Mill Rate $10 Taxes= $1,000 House B - Value $200k Mill Rate $10 Taxes= $2,000 Scenario B House A - Value $250k Mill Rate $4 Taxes= $1...
by PowDay
Tue Mar 28, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 102
Views: 4153

Re: What's your personal criteria for deciding whether or not to rent a car?

The stress that comes from making this decision probably isn't worth the minor potential benefit. A benefit that won't become real until it's time to trade in the car.

You have keys to a car in your pocket that will accomplish the task at hand. Go drive it and put the mental energy into other tasks.
by PowDay
Mon Mar 20, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1454

Re: What would it take to buy a house in our neighborhood?

You have $100k in cash now, but can save $80k a year moving forward, what is causing the discrepancy, recent raise? The crazy high income is new for us. My husband is at his first job after grad school, he finished his phd two years ago. My last salary was 60K. I had student loans. What is the plan...
by PowDay
Mon Mar 20, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1454

Re: What would it take to buy a house in our neighborhood?

You have $100k in cash now, but can save $80k a year moving forward, what is causing the discrepancy, recent raise?

What is the plan for kindergarten, public/private?
by PowDay
Tue Mar 14, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 3709

Re: Time Saving Tactics: Kids Edition

1. $200 a month house cleaner
2. Let things go
3. Monthly beers with other Dads in the neighborhood
by PowDay
Wed Mar 08, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Car dilemma?
Replies: 25
Views: 1790

Re: Car dilemma?

My biggest regret is selling my 2004 corolla and going through 3 cars and wasting all of that money. Buying a selling a brand new car only 27,000 miles on it, probably isn't the best way to deal with this. Enjoy your car, take care of it, come back in 7 years when you Audi is 10 years old and has 2...
by PowDay
Tue Mar 07, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Work travel question.. car related
Replies: 10
Views: 679

Re: Work travel question.. car related

Thanks everyone for the input, I always find this community very helpful. As for driving back and forth, the hard part their is giving up 16 hours of a week to traveling but I guess unless I get a direct flight it's not all that different from flying. I would encourage you do do the detailed math o...
by PowDay
Tue Mar 07, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Work travel question.. car related
Replies: 10
Views: 679

Re: Work travel question.. car related

Can you just drive back and forth between Ohio and Maryland? It may take 7-8 hours, but you are only going to have to do the drive 12 times round trip. A lot, but you will be done in a year. Seems a lot simpler than buying a second car, especially a cheap beater. Beaters have a time and a place, but...
by PowDay
Thu Mar 02, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice with severance pkg - little overwhelmed
Replies: 46
Views: 3511

Re: Looking for advice with severance pkg - little overwhelmed

Current city and relo city are essentially the same for work opportunities. Relo city is 20% more expensive than the current city, the company is offering a 10% pay increase with small bonus but you have to stay with the company for 12 months or pay everything back. I would strongly consider moving...
by PowDay
Wed Mar 01, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Vehicle purchase
Replies: 43
Views: 2185

Re: Vehicle purchase

As much as the space would be nice, I can't imagine moving backwards in age/reliability when you have a little one at home.

A dealing with a minor breakdown is a different ballgame with a toddler in tow.
by PowDay
Mon Feb 20, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1535

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Have you considered just buying a handful of Sonos Play1's first, before going through the complication of in-ceiling speakers and separate amps?

The Play 1 can handle humidity fine, I leave mine permanently mounted outside, but under a covered porch.
by PowDay
Fri Feb 17, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - Harsh ride
Replies: 21
Views: 2566

Re: Subaru Forester - Harsh ride

I have a 2015 Forester and agree 100% on the rough loud ride, at this price point you can't get everything, and in the case of the Forester you trade comfort for utility and AWD.
by PowDay
Wed Feb 15, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 2306

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

The Forester is a good honest car, but accept it for what it is. It's an inexpensive economy car with a larger body on it, that can tackle any weather, and bats above its weight class with driver assistance from its eyesight system. Otherwise its loud, slow, not terribly comfortable, minimal interio...
by PowDay
Tue Feb 07, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5857

Re: Hardwood floors vs Wood Look Tile?

Purely option, but I'm convinced that wood look tile is going to look cheesy and dated 20 years from now, while true hardwood has been classy for 100+ years.

Your location, and type of home will probably be the deciding factor.
by PowDay
Mon Feb 06, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Plumbing issue - advice sought
Replies: 47
Views: 3846

Re: Plumbing issue - advice sought

I had the exact same thing happen, it was the diverter valve in the shower, plumber had it fixed in 30 min, for around $200.
by PowDay
Fri Jan 27, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?
Replies: 49
Views: 3376

Re: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?

I found the car also, if It was my money I would go for this one

http://worcester.craigslist.org/cto/5955288168.html
CROWN VICTORIA 56,000 MILES - $1400

Even if you have to rebuild half the car, you will come out ahead vs the $4500 car from the dealer.
by PowDay
Fri Jan 27, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?
Replies: 49
Views: 3376

Re: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?

What type of dealer is it? If there is any hint that they are a buy here pay here place stay away. That car could have been sold and repossessed multiple times without it ever hitting the carfax. https://www.youtube.com/watch?v=4U2eDJnwz_s Any car of that vintage will need repairs, I would choose a ...
by PowDay
Thu Jan 26, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 19317

Re: New SUV, $50G, Pilot/Highlander/Other

For the sake of the discussion, It's important to note that the three row SUVs all have very different capabilities in regards to installing child car seats. A non issue if you don't have a young family, but if you do the list becomes narrow quickly. For example, the Volvo SUV does not not offer low...
by PowDay
Thu Jan 19, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: should I scrap my car after this accident
Replies: 23
Views: 1696

Re: should I scrap my car after this accident

As long as you feel comfortable driving the car (it looks mostly cosmetic) drive it over to Carmax and see if they will appraise it in its current state.

They may offer you more than $2,000, an you could buy a replacement right from Carmax.
by PowDay
Mon Jan 16, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 2521

Re: Saving rater after becoming father

bigred77 wrote:Do both partners plan to continue working or will one stay home? That's the biggest factor at play here.


Agreed, it's hard to be bothered about the $40 of diapers, when childcare is $1,500-2,000 a month, and increased medical expenses average $500 a month.
by PowDay
Mon Jan 16, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: If I decide to overpay on mortgage payment
Replies: 45
Views: 4729

Re: If I decide to overpay on mortgage payment

I understand the appeal of limiting how much interest you are paying, but recognize that you won't see the return on those extra payments for 10-20 years, not until the mortgage is payoff and you get the cashflow back. I would run the numbers on placing those payments in a separate savings account, ...
by PowDay
Wed Jan 11, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: truck prices
Replies: 37
Views: 3010

Re: truck prices

bbees wrote:How much could a prospective buyer expect to talk down a car dealer on a new truck?


It really depends on how long a piece of string is. :happy
by PowDay
Thu Jan 05, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)
Replies: 56
Views: 4701

Re: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)

I have the 2.5L in my forester, adequate is the nicest word I can come up for it, and that is only when the car is mostly empty.

It's still the better choice, especially since the 3.6Rs are fairly limited production and hard to find, but know that you are buying a slow car.
by PowDay
Thu Jan 05, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Does taxable investing seem sensible right now? 21 y/o college student
Replies: 15
Views: 1137

Re: Does taxable investing seem sensible right now? 21 y/o college student

The only thing I see missing, is a killer travel budget for between graduation and your job starting. I graduated broke and went straight to work, and 10 years later have not been able to pull off a month+ long trip, don't let long term savings get in the way of a once in a lifetime opportunity to t...
by PowDay
Tue Jan 03, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Exterior Paint vs. Vinyl Siding
Replies: 24
Views: 1519

Re: Exterior Paint vs. Vinyl Siding

Understand that cheap Vinyl has the potential to strip all the character away from a house, let the Vinyl fade/crack for 15 years and it starts to look bad. http://www.oldhouseguy.com/vinyl-siding/ If most of the neighborhood has the historical look, I would be hesitant make the switch. *I bought a ...
by PowDay
Wed Dec 28, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: TV in the bedroom?
Replies: 82
Views: 5636

Re: TV in the bedroom?

It's worth it just for sick days, and laundry folding.
by PowDay
Thu Dec 22, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Drive Your Car One-Way Across the USA
Replies: 28
Views: 2488

Re: Drive Your Car One-Way Across the USA

If you are willing to help relocate an RV, there are some great deals, $25 a day and free mileage.

http://www.cruiseamerica.com/rent/hot_deals/#
by PowDay
Thu Dec 15, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 8352

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

I've driven a RWD volvo with bald all season tires through a blizzard and arrived safely. I've also driven an AWD Subaru with winter tires through a blizzard and and arrived safely. I could argue that since I got around fine in Volvo, then AWD and snow tires are unnecessary, but there is more to the...
by PowDay
Tue Dec 13, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: "New" or Refurb Rechargeables for Old Tools
Replies: 36
Views: 2079

Re: "New" or Refurb Rechargeables for Old Tools

If you are primarily using cordless drills for driving screws/bolts ect, and not actually drilling. You should really look into Lithium impact drivers, they are a game changer in regards to the ease and power. I use mine for everything from woodworking projects, to changing my snow tires. They can b...
by PowDay
Mon Dec 12, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Cheap alarm for a garage?
Replies: 11
Views: 1518

Re: Cheap alarm for a garage?

Residential Alarm - Monitored Residential Alarm - Un-Monitored Z Wave Motion & Door - Un-Monitored If you are interesting in also monitoring your house, I would go with a standard residential alarm, but if all you care about is the garage then a Smarthings/Zwave solution could work, they offer a...
by PowDay
Tue Dec 06, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Who will run my Ethernet Cables for me?
Replies: 25
Views: 3023

Re: Who will run my Ethernet Cables for me?

3) I live in a townhouse. There are too many WiFi hotspots in the neighborhood and they could generate a fair amount of interference. I prefer a wired connection. What type of devices do you plug into the wired connection, desktop computers in every room? Neither my laptop,table, phone, or Roku hav...
by PowDay
Tue Dec 06, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: Who will run my Ethernet Cables for me?
Replies: 25
Views: 3023

Re: Who will run my Ethernet Cables for me?

Joining in to recommend running Ethernet cable for POE security cameras, and if the house is large consider running an extra drop or two for POE wifi extenders. https://www.amazon.com/Enterprise-System-UBIQUITI-NETWORKS-UAP-LR/dp/B00HXT8S9G Otherwise very few products need/have the ability to use Et...
by PowDay
Fri Dec 02, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Anything new about how to buy a new car I should know?
Replies: 14
Views: 875

Re: Anything new about how to buy a new car I should know?

http://www.reddit.com/r/askcarsales is the best resource I have found as the discussion is all from the salespersons point of view The big takeaways are - The best time to buy a car is when you need a car, maybe you can find a dealer who is one car away from a goal at the end of the month, but this...
by PowDay
Mon Nov 28, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Trailer on an Odyssey? [Is an Odyssey even the right choice?]
Replies: 34
Views: 2079

Re: Trailer on an Odyssey? [Is an Odyssey even the right choice?]

We also own a Prius with 188,000 miles that is paid off. With six kids, having two vehicles with three rows would be convenient, and the Prius probably only has a few more years left in it. I would accelerate payments on on the Odyssey, and once it's paid off buy a lightly used full size van for ar...
by PowDay
Mon Nov 28, 2016 1:19 pm
Forum: Personal Consumer Issues
Topic: Trailer on an Odyssey? [Is an Odyssey even the right choice?]
Replies: 34
Views: 2079

Re: Trailer on an Odyssey? [Is an Odyssey even the right choice?]

Thank you for the help and technical answers regarding tow capacities. We currently owe $14,000 on the van. It should trade for $15-16, private party maybe a bit more. So does it make sense to keep paying on the van, knowing it probably isn't the right car long term, or to get what I can in a trade...
by PowDay
Mon Nov 28, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Trailer on an Odyssey? [Is an Odyssey even the right choice?]
Replies: 34
Views: 2079

Re: Trailer on an Odyssey?

No, I'm not mixing them up. The owner's manual has very explicit examples of how the towing capacity is reduced with each passenger (driver does not count) or pound of cargo inside the passenger compartment. In my example of 150lbs average for each person + stuff, that comes to 1050lbs total. That ...
by PowDay
Mon Nov 28, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: Trailer on an Odyssey? [Is an Odyssey even the right choice?]
Replies: 34
Views: 2079

Re: Trailer on an Odyssey? [Is an Odyssey even the right choice?]

Ford Transit
Nissan NV
Mercedes Sprinter
Mercedes Metris
Chevy Express

I would go drive them and see what you like. These are big vehicles, so small things like seating position will impact how they are to drive.
by PowDay
Mon Nov 28, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Trailer on an Odyssey? [Is an Odyssey even the right choice?]
Replies: 34
Views: 2079

Re: Trailer on an Odyssey?

Shouldn't be a problem. The current Odyssey (not sure how old yours is) is rated for 3,500 lbs, but be aware that this is for everything except the driver. So subtract the total weight of your spouse and 6 kids, plus any stuff they bring inside the van to find the actual value. The smallest enclose...

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