Search found 306 matches

by PowDay
Mon Aug 14, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 67
Views: 4883

Re: How useful is a home security system?

I have a home security system with motion sensors and a front door camera. A Mylar birthday balloon set off the motion sensor one day, and I had police officers at my door in 4 min flat. Everything is time stamped in the system so I could see the exact response time. It made me feel better about the...
by PowDay
Thu Aug 10, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Long term car rental vs buying a used car vs leasing
Replies: 22
Views: 1326

Re: Long term car rental vs buying a used car vs leasing

Sales Tax
Property Taxes
Registration Fees
Auto Insurance
Maintenance
Dealership Transaction costs

$1,000 a month for rental isn't the cheapest way to solve the problem, but the premium for the flexibility probably isn't that crazy once you add in all the other costs.
by PowDay
Tue Jul 25, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Rhoombas, Home Mapping and Privacy
Replies: 15
Views: 1145

Re: Rhoombas, Home Mapping and Privacy

My towns tax assessment website, has a floor plan of my house posted online for anyone to see.

So far no one has broken in and rearranged the furniture on me.
by PowDay
Fri Jul 07, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 3757

Re: Buy a vehicle cash or finance?

As far as the 1978 F-150- you made it home, but I'm guessing the little one would have fared poorly had you crashed. Modern car seats give them a fighting chance. Define "fine" as a previous poster said, if you are tall with a rear facing car seat, you won't be fine. $27k for not fine isn...
by PowDay
Fri Jul 07, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 3757

Re: Buy a vehicle cash or finance?

We've decided to get a brand new 2017 Subaru Forester. How tall are you and your wife? I have a 2015 Forester and once the rear facing car seats are installed, I can no longer sit comfortably in the passenger seat, and can't safely drive the car from the drivers. We now have a second on the way, an...
by PowDay
Wed Jul 05, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: UberX or UberXL??
Replies: 15
Views: 1467

Re: UberX or UberXL??

Definitely go UBERxl, you can get some really tiny cars with regular Uber, a Ford Fiesta meets their requirements.
by PowDay
Tue Jun 27, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Best cars for multiple kids
Replies: 51
Views: 3293

Re: Best cars for multiple kids

Your going to get lots of general advice from bogleheads on cars, but three kids rear facing with the potential in the future for 3 kids rear facing and a 4th front facing, you have a very specialized problem to solve. I would recommend https://www.car-seat.org and http://thecarseatlady.com/2015fami...
by PowDay
Fri Jun 09, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Babson College
Replies: 30
Views: 2474

Re: Babson College

One of the top rated business schools in the north east, excellent brand recondition, with strong ties to the business community. If he is interested in Babson, he should also look at Bentley and Bryant, they tend to get grouped together frequently.
by PowDay
Thu Jun 08, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Trailer Towing Tidbits? [and epilogue]
Replies: 52
Views: 3136

Re: Trailer Towing Tidbits?

Have a good lock for the trailer door. Still trying to work out how to lock the trailer to the ball / hitch. The two U-Haul dealers I spoke with yesterday said they know of no way to do that with U-Haul's default ball connection method. Trailer coupler locks don't work on U-Hauls, I was told. Parki...
by PowDay
Thu Jun 08, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Buying a House with an Old but Working Roof
Replies: 19
Views: 1194

Re: Buying a House with an Old but Working Roof

Every single system in the house is someplace in it's depreciation curve, and it will all be baked into the market price (not the listing price, but the price of the winning offer) Unless you live in a LCOL area, where a $10k roof makes up a significant portion of the value of the house, this isn't ...
by PowDay
Tue Jun 06, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Trailer Towing Tidbits? [and epilogue]
Replies: 52
Views: 3136

Re: Trailer Towing Tidbits?

Your not even going to notice it back there, I've pulled the same trailer with a Subaru Forester.

It adds 300lbs of weight, but I would consider moving up to a 5x10 trailer as they have duel axles. They will tow much better, and if you have a tire blowout, it won't be as catastrophic.
by PowDay
Wed May 17, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 8982

Re: Which Small SUV for 15 Year Reliability?

2018 Subaru Outback (open to either engine) 2018 Honda CR-V (turbo) 2017 Subaru Forester (non-turbo) 2017 Toyota RAV4 These are all great reliable choices, if you had some BMWs, Land Rovers, or Audis, mixed in we could give you better advice, but you have already chosen four of the most reasonable ...
by PowDay
Mon May 15, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Scolded by my adviser at F******* ! [Fidelity]
Replies: 23
Views: 4117

Re: Scolded by my adviser at F******* !

This is the Net Promoter Score System it was created by Bain, and now extremely common in all customer surveys. https://en.wikipedia.org/wiki/Net_Promoter "Those who respond with a score of 9 to 10 are called Promoters, and are considered likely to exhibit value-creating behaviors, such as buyi...
by PowDay
Fri May 12, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 9
Views: 1148

Re: Car Rental in Mexico

I rented the cheapest car class In Cancun 5-6 years ago, and drove down to Tulum. I recommend making multiple reservations, we started with Avis, their computers were down, things didn't look good, so we went over to Budget and used our backup reservation. The car had no radio, and no airbags. It wa...
by PowDay
Fri May 05, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Curb Impact Car Doesn't Go
Replies: 13
Views: 1340

Re: Curb Impact Car Doesn't Go

Corollas are not built to handle jumping curbs at speed and definitely not sideways, plus most kids are going to soften the story when telling their parents. It's impossible to know via the internet, but considering a 10 year old Corolla is worth $3-5k, there a decent chance that it may need more wo...
by PowDay
Mon May 01, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 3425

Re: Kamado grill

Does yours have the sliding removable ash tray? Makes cleaning my Kamado a breeze. Single best feature. Agree with you on this one. Between the removable ash tray and my Kick Ash Basket , it takes me ~30 seconds to fully clean out all of the ash before each cook. Twice a year I take the firebowl ou...
by PowDay
Mon May 01, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 3425

Re: Kamado grill

I am fearing this. i suspect it will sit and collect dust. i enjoy grilling (only on weekends). weekdays I am away from home (6a to 7p) and i doubt i will have time. I only like grilling chicken, fish (salmon) and some cuts of lamb. 100% agree, I have one that I enjoy owning, but it just doesn't ge...
by PowDay
Tue Apr 25, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Purchase new, but older model cell phone - Best method?
Replies: 11
Views: 1097

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: 3142

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: 1977

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: 5949

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: 2337

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: 723

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: 1920

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: 1170

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: 25
Views: 2075

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: 1267

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: 9895

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: 3952

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: 945

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: 105
Views: 5607

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: 1686

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: 1686

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: 4101

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: 2042

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: 772

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: 772

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: 3907

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: 2502

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: 1804

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: 3092

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: 2675

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: 8625

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: 4096

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: 3696

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: 3696

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: 20903

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: 1836

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: 2734

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: 5099

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, ...