Search found 228 matches

by SleepKing
Thu Oct 12, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3377

Re: SUV options with 3 little kids

If your oldest can safely get themselves in and out of the third row car seat, then you can consider a larger SUV like the Acura MDX or big Lexus or Tahoe, etc... personally I'd look at a Pilot or Highlander, as 3 young kids are going to wreck the interior... Remember, while the 3rd row is on use, y...
by SleepKing
Tue Oct 03, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6181

Re: Is it a waste of money having your furnace checked every year?

We appear to be in the minority here, but we get ours checked prior to summer and winter. Have 2 AC and 2 gas furnace units. Each time <$100 for the service call and inspection/basic maintenance. System is almost 20 years old and some components break/need replacing frequently. I've googled and you ...
by SleepKing
Thu Sep 28, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are we suckers for not pursuing Public Service Loan Forgiveness?
Replies: 18
Views: 2113

Re: Are we suckers for not pursuing Public Service Loan Forgiveness?

I have a few reservations You've answered your own query First, I have a moral issue with borrowing money and not even planning to pay it back. And Second, we would likely have to file as Married Filing Separately for 10 years, which would introduce an ongoing tax cost. And Third, there is always t...
by SleepKing
Wed Sep 20, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Appealing Property Assessment and Lawyer
Replies: 3
Views: 369

Appealing Property Assessment and Lawyer

Quick Summary: We are in the process of appealing our property reassessment. During an initial phone conversation with the assessor office, DW received an initial reduction offer. However, we feel this is not enough and presented numerous comps within our township to demonstrate our argument (their ...
by SleepKing
Wed Sep 20, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: Are quality exterior doors worth it?
Replies: 17
Views: 2168

Re: Are quality exterior doors worth it?

I wholeheartedly agree with prior comments. Custom glass or extensive glass replacement is most costly part of door and entryway. Your post seems to be for something quite simple. Id get another few quotes for due diligence.

Sleepy
by SleepKing
Sun Sep 17, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3745

Re: Should I contact a lawyer?

This is interesting and I don't know the exact answer. However, I would agree with others that this likely is defined under some aspect of 'professional conduct' or 'plagiarism' via your district's educator handbook or bylaws. Even if your district, organization, or company owns everything, it is ac...
by SleepKing
Sat Sep 16, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 5284

Re: Mother-In-Law dying, Wife wants to buy a Porsche

I would suggest that the rest of the inheritance be parked for the 6 month type time frame recommended after a loss. This. Convince her to wait 6 months for the estate to settle out and emotions to cycle prior to making any decisions on purchases. Personally, I would utilize the angle she can resea...
by SleepKing
Fri Sep 15, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2754

Re: Can not decide between washing machines

Two years ago I used the same process and purchased a consumer report best buy LG washer. Washer is the worst appliance I have ever owned. Two new control circuits under warranty, water overfills if you add garments ( LG's solution - we know there is an issue do not add garments), clothes occasiona...
by SleepKing
Tue Sep 05, 2017 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Renting during residency
Replies: 12
Views: 1381

Re: Renting during residency

Stay put and keep renting. Not worth the few thousands of savings compared to stress and uncertainty of a new place. Especially with board preparation looming. Do not buy. Your financial situation will change again as you begin searching for your first job.

Best
Sleepy
by SleepKing
Sun Aug 13, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 65
Views: 7712

Re: Dave Ramsey spends two segments on his investing advice

It's always been my policy that if your net worth is below zero, listen to Dave Ramsey, and if it's above zero, listen to Bogleheads. I must admit, DW and I spent much time listening to Dave and Suze Orman in our early 20s, when we had $0 in the bank, lots of student debt, etc... Honestly, not a ba...
by SleepKing
Sun Jul 16, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Moving stepfather into long term care facility. Need advice.
Replies: 17
Views: 2064

Re: Moving stepfather into long term care facility. Need advice.

Mom called me today and said no way she is putting her husband into a long term facility, she can take care of him just fine, thank you. This is the second time Mom has stopped action on her husbands behalf. On the POA forms she is listed first with myself and his niece being jointly next in line. ...
by SleepKing
Sat Jul 15, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 2731

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

I'm sure someone already mentioned this, RENT a larger vehicle for your long and/or big family road trips. I know many people who do this 2-3 times a year. You aren't stuck with the large vehicle long term, plus you don't get the mileage-wear-tear on your personal vehicle.

Best,
Sleepy
by SleepKing
Sun Jul 09, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 8389

Re: how to destroy hard disk with personal info

Hammer it, drill it, pliers to scratch/bend/break disc, soak in water to start corrosion.

Agree that anyone motivated enough to get data after that...probably can get into your data another way.
by SleepKing
Fri Jun 30, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 46
Views: 3556

Re: Engagement Ring Insurance

I agree with others to not insure the ring you describe.
by SleepKing
Fri Jun 30, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 46
Views: 3086

Re: Buying a dishwasher

Bosch. Your price range is fine. Spend a little more and the quieter it will operate. Look for capacity need, noise level and optional third rack if you need. All appliances(except speed queen) really are disposable products now adays. If you get 5 years from entry to mid legel thats good. 8 years f...
by SleepKing
Thu Jun 29, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Best cars for multiple kids
Replies: 51
Views: 3668

Re: Best cars for multiple kids

Must get a mini van for 3 car seats. Getting to the third row and securing the straps/belt is near impossible in non van vehicles. Once your oldest can strap themselves in maybe....

If you need awd the sienna. Otherwise toss up between sienna and odyssey for general use.
by SleepKing
Wed Jun 21, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4812

Re: Good camera - new baby coming

To answer your question, you absolutely need something other than the phone camera if you want to get really nice photos for display, etc... If you're happy with mediocre or worse quality photos in difficult light and fast motion environments, then its fine to stick with the phone. From my experienc...
by SleepKing
Sun Jun 18, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement checkup for 38 year old
Replies: 21
Views: 3442

Re: Early retirement checkup for 38 year old

Thanks for your service. It is nice that your hard work and service will pay off. Overall your situation seems positive for early retirement. Obviously, if you can make it 5 years, that seems like a great return for amount of additional service. I would have more of a emergency cushion, 15k when you...
by SleepKing
Sat Jun 10, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 4654

Re: Suit for residency interviews

A few thoughts on your residency interview appearance needs: First, I agree with the sentiment that looking presentable DOES MATTER! You get one chance to make a first impression. If you show up in a well fitting and clean suit, tie, belt, and shoes, look your interviewer in the eyes and shake their...
by SleepKing
Tue May 16, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 2052

Re: Quality decline in off-brand alkaline batteries?

We use Amazon Basic Alkaline for all our home needs: AA, AAA, C, D. No problems or outrageous failures I've noticed. FYI, a leading home product reporting agency review ranked the following AA Alkaline batteries: (above hash line recommended) - Duracell Quantum - Rayovac Fusion -CVS Max - Duracell C...
by SleepKing
Sat May 06, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: How much to contribute to deferred compensation?
Replies: 9
Views: 1679

Re: How much to contribute to deferred compensation?

Before I give you our opinion, let me say we contributed to deferred compensation for a while. Stopped for a few reasons: -Simply did not trust the ability of our health system to remain solvent in unknown climate over next 20-30-40 years. You say that is minimal risk in your situation. -I was not c...
by SleepKing
Tue May 02, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3950

Re: Great knife for slicing limes and raw potatoes

This may result in a downpour of comments, but we use CUTCO knives and really enjoy them. Although a bit biased, we have some that are almost 20 years old from when I sold it as a summer gig; they still look great and function like new when sharpened. French Chef's knife and Santoku are fantastic fo...
by SleepKing
Tue Apr 18, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9330

Re: Mens Blue Jeans - What are we buying now?!

KJV, I have problems with longer inseams and fit too. This skinny jean stuff is non-sense. I'm athletic, by no means big, and EVERY 'standard' or 'slim' fit looks like i'm wearing wrapping paper...and it's uncomfortable. I've found the following come in a range of styles and prices for tall size (i...
by SleepKing
Tue Apr 18, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9330

Re: Mens Blue Jeans - What are we buying now?!

KJV, I have problems with longer inseams and fit too. This skinny jean stuff is non-sense. I'm athletic, by no means big, and EVERY 'standard' or 'slim' fit looks like i'm wearing wrapping paper...and it's uncomfortable. I've found the following come in a range of styles and prices for tall size (ie...
by SleepKing
Sun Apr 16, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 55
Views: 7894

Re: Anyone else decided not to finish med school?

If your friend is regretting his decision, it may be a good idea to work with a life/career coach who specializes in physicians, and reevaluate. Based on personal experience on this topic of physician dissatisfaction and career detours ("friends and family"),it's important to understand t...
by SleepKing
Sat Apr 15, 2017 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Pay off debt or fund retirement accounts?
Replies: 23
Views: 1938

Re: Pay off debt or fund retirement accounts?

I also feel you should pay off the credit cards first, starting with highest interest rate. Also, check out any teacher or military credit unions for cards with a lower interest rate. Better yet, cut the cards up!
by SleepKing
Mon Apr 10, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 13117

Re: Ordering a Weber grill this week

Have had a propane Spirit 310 since 2007 and have loved it. No side burner; we cook alot and have never once wished we had a burner on the grill. Here's my take on 'routine maintenance & up keep & things expected to replace': - I replace the flavorizer bars ~every 2-3 years when they rust re...
by SleepKing
Tue Apr 04, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 3247

Re: Buying House with Odor (not cigarette)

Deal breaker. That person could become more symptomatic, etc.. after moving in. Potential nuclear situation! Avoid.
by SleepKing
Sun Mar 26, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 4780

Re: thoughts on in-ceiling speakers?

Finished the basement and wife said I could do WHATEVER I wanted...as long as she SAW NO SPEAKERS OR AUDIO COMPONENTS EVER AGAIN!!! lol! Well, I'm the wife and I want great sound! I've wanted electrostatic speakers ever since I worked at my college radio station and somebody donated one of these fa...
by SleepKing
Sat Mar 25, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 4780

Re: thoughts on in-ceiling speakers?

Similar situation with us Go Blue 99. Finished the basement and wife said I could do WHATEVER I wanted...as long as she SAW NO SPEAKERS OR AUDIO COMPONENTS EVER AGAIN!!! lol! In the main basement area area, we have a typical flat screen TV with all speakers in ceiling. They are Klipsch models. R/C/L...
by SleepKing
Thu Mar 23, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: home buying negotiation tips
Replies: 10
Views: 1433

Re: home buying negotiation tips

We were in a month to month rental. Thus could offer buyer 'move whenever you want' to help their logistics after the sale and closing date etc.
by SleepKing
Tue Feb 28, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 6092

Re: Don't pay full price for cable TV

Our experience with TWC/Spectrum has been similar. The end game is when the initial deal ends and your price jumps up, they put you in a similar priced package for a year with the selling point of 'extra services for the same price'... but at the end of the year THAT will jump to a higher price than...
by SleepKing
Mon Feb 20, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1979

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

Seems like their terminology is old. Sonons has a connect and connect amp that serve to tie in wired speakers to their wireless sonos network they will create. Also, whY are they selling you an $700 amp and the sonos connect amp to power the wired speakers? Maybe they havent explained it in detail t...
by SleepKing
Sat Feb 18, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: "With $15 Left in the Bank, a Baby Boomer Makes Peace With Less" -- A cautionary tale
Replies: 37
Views: 5526

Re: "With $15 Left in the Bank, a Baby Boomer Makes Peace With Less" -- A cautionary tale

Interesting. I'm either a late Gen X or early Millennial depending on how it's defined, but I wonder how my generation will end up in middle age. Overpaying for college seems to be a major problem for many in my generation, but I admit that might just be anecdotal. It also reflects my own biases. L...
by SleepKing
Fri Feb 17, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 6009

Re: Vanguard Web Site Down?

Also not able to access it. No notification of technical difficulties on their homepage.
by SleepKing
Tue Feb 14, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Currently an Edward Jones client and need some advice
Replies: 32
Views: 2991

Re: Currently an Edward Jones client and need some advice

Vanguard or fidelity are good brokerages to look into. They will walk you through and get you out of that disaster. Wont even have to call your advisor to break up. Lesson learned early on. Congrats on joing bogleheads.
by SleepKing
Tue Feb 14, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 7165

Re: Closed my Roth IRA due to political uncertainty - mistake???

My question is, did I make a big blunder? Am I being overly cautious? Yes. Yes. I say this very objectively; it appears you did not fully evaluate your decision (i.e. why not change to total bond, CDs, money market, etc.,etc..)? Perhaps you should develop a full financial plan prior to getting back...
by SleepKing
Mon Feb 13, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Custom House - Wait for a Recession?
Replies: 10
Views: 1918

Re: Custom House - Wait for a Recession?

Don't time the market. You could be waiting 10 weeks, 10 months, or 10 years.

Also, if you are that nervous, perhaps buying a used home in a well established neighborhood would give you some peace. You could research the historical trend during the great recession.
by SleepKing
Thu Feb 09, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 10393

Re: Saved too much? What do you splurge on?

Im not in my 70s or 80s, but have family that are. While not as financially gifted, i would like to share their perspectives in now various forms of slow/quick declining health. -legacy to family and charities they hold dear. Perhaps providing gifts for education, first cars , establishing endowd po...
by SleepKing
Sat Feb 04, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 3682

Re: Car wash best practices in cold climates?

Perhaps this is helpful:
http://www.dmv.org/how-to-guides/road-salt.php

Personally, i have lived in cold climate with salt and 5 season snow my whole life. Never regularly cleaned the underside....will just get resalted a few days later. Never had rust problems on our vehicles that we were told of.
by SleepKing
Sat Feb 04, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Please Help with 25 Year Old Daughter-In-Law.
Replies: 36
Views: 6363

Re: Please Help with 25 Year Old Daughter-In-Law.

I feel the best solution is as others have stated: -She is 25 with many good earning years ahead of her. Help her advance her current job to something better. She will be better able to provide for herself and the grandkids. Becoming a LPN or RN is a great first step. Perhaps you could offer to assi...
by SleepKing
Tue Jan 31, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: How to save money on a minivan?
Replies: 44
Views: 3706

Re: How to save money on a minivan?

I have not met a family that regretted purchasing a honda or toyota van. We have sienna and love it. Have met many people who swear off dodge-chrylser..but we have a good friend who really likes theirs. So variable on the domestic side. Had to laugh at people commenting on appearance of mini vans. I...
by SleepKing
Tue Jan 31, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 9638

Re: Is joining a country club a character flaw?

Let's attempt to analyze this with estimated costs I've looked at and assembled. Say, we are debating about joining a CC vs. installing your own pool for enjoyment and are otherwise on a financially responsible track and thus can afford either option. There are no nice, public, outdoor facilities wi...
by SleepKing
Sat Jan 28, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 4993

Re: Input on Apple Watch-Buy or Not?

We have passed on the watch. Lots of our friends have it, some really like, most are indifferent. We were told if you use it for fitness then give it a go, pretty solid health stuff. Otherwise, mostly redundant tech and apps with iphone. Personally, I enjoy a 'regular' mechanical watch for time and ...
by SleepKing
Sun Jan 15, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Washing Machines
Replies: 12
Views: 1552

Re: Washing Machines

We have LG 'mega load' HE top loading washer and love it. Might be a bit too much capacity for your needs. I'd check out smaller models. A leading consumer agency rated Whirlpool Cabrio Platinum, Samsung aqua jet, and LG mega load as recommended buys a while back when we were looking. Had an applian...
by SleepKing
Sun Jan 01, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to have only muni bonds and no taxable bonds?
Replies: 15
Views: 2102

Re: Is it ok to have only muni bonds and no taxable bonds?

It sounds like you are only asking about taxable accounts. Like others have implied, the answer depends: -If you have absolutely no other bond holdings, such as shorter term federal bond fund in a tax advantaged account, then too risky. I'd consider a split of Van CA Muni and Federal tax exempt (or ...
by SleepKing
Fri Dec 30, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 9659

Re: Affordable home exercise

https://ddpyoga.com

Nice program that I've used for a while.
by SleepKing
Tue Dec 27, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 13604

Re: At what age, income, and NW would you buy a $50k car?

If you are hypothetically saying the buyer has:

-$2 million net worth
-No additional debt (assumption)
-stable income approaching mid-six figures
-desire to treat themselves to a luxury car

Sure. Go for it if that's your thing. You can get a real nice F-150 truck or 4-Runner for that!
by SleepKing
Tue Dec 27, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Cutting Trees in the Back Yard
Replies: 27
Views: 2697

Re: Cutting Trees in the Back Yard

Agree with above. Go with the insured professional.

It might be worth getting a few quotes. If you are in a northern climate, many companies offer winter rates too.

Best,
Sleepy