Search found 13 matches

by db1216
Sat Aug 12, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Buying a 2017 Mazda 3 new for $15k?
Replies: 25
Views: 2971

Re: Buying a 2017 Mazda 3 new for $15k?

Sounds like an excellent deal to me. I bought a Mazda CX-5 from my local dealer. I was worried about the bait and switch myself so I was one of those hard sells and questioned just about everything. They were so concerned with upsetting me that the salesman said like three times after the car was de...
by db1216
Thu Jul 13, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: 13 year old with $2000 to invest
Replies: 20
Views: 2169

Re: 13 year old with $2000 to invest

I earned my first $1000+ at that age, working a paper route. My father suggested I contribute $500 to an IRA, which he matched 100%. We opened an account together, picked an investment together, and watched it over many years. When Roth IRAs became available we converted my small account. Perhaps i...
by db1216
Mon Jul 10, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7563

Re: Switch to federal job?

I believe Stress often relates more how the Employee reacts to the work environment and the organizational culture. Some people are not phased about anything while others will stress out over the most trivial thing. I worked in private industry for several years before getting on with the Feds and ...
by db1216
Mon Jul 10, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7563

Re: Switch to federal job?

I want to point out something that keeps coming up: Not all federal positions are low stress. I've worked in an extremely high stress position (non-LEO fed). That office was staffed with extremely competent employees despite perhaps one or two stragglers. I keep seeing these two points being made fa...
by db1216
Thu Jun 22, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: House Deed Covenant Enforceability
Replies: 43
Views: 3669

Re: House Deed Covenant Enforceability

Thank you all so much for all the replies. This was a really good thread to give me a lot of different perspectives. We (as a family) decided that the idea of swapping unsecured for secured was a poor plan. Not to mention the moral concerns associated with ignoring the provision. We will motor along...
by db1216
Fri May 12, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: House Deed Covenant Enforceability
Replies: 43
Views: 3669

Re: House Deed Covenant Enforceability

Thanks to all for all the replies . Just to answer some of the questions that stuck out to me! What would be the disposition of the property if they got a loan? That is, does the property go to someone else? From what I can see, there is no "what if" clause. There is no detriment specified...
by db1216
Wed May 10, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: House Deed Covenant Enforceability
Replies: 43
Views: 3669

House Deed Covenant Enforceability

Hi All, I have a question on behalf of my parents, 60ish in age. A few years back, my father lost his job due to to an unexpected employer shutdown. They did the best they could but racked up a lot of debt. During that time, my grandmother moved into a nursing facility and transferred the deed to my...
by db1216
Thu Jan 19, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Subaru + Mazda
Replies: 44
Views: 4794

Re: Subaru + Mazda

Just wanted to throw what knowledge I have in. My previous car was a 2011 Subaru Legacy. I sold it in 11/2015 because there were numerous issues with it for the age. From my conversations and what I've read, I seem to be in the minority about Subaru but I just couldn't buy one again. Admittedly, I w...
by db1216
Fri Jan 13, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: What would you do with $30k at 30 years old?
Replies: 49
Views: 4084

Re: What would you do with $30k at 30 years old?

I have been in your shoes. . . . . . . . . . . Personally, I would aquire a solid job with benefits (gov't/state/fed?) to solidify a dependable income stream to protect that $30k. Then I would learn from the "experts" (not me) here at "Bogleheads" re: financial investment portfo...
by db1216
Fri Dec 23, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Shipping Large Items Cross-Country?
Replies: 10
Views: 1070

Re: Shipping Large Items Cross-Country?

Thanks so much everyone for the responses. I am making progress. I have received a few quotes and its actually been more affordable than I expected. It seems that the price is extremely high for one but once we get a pallet's worth, it runs about the same as the single. But everywhere in between, fo...
by db1216
Wed Dec 21, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Shipping Large Items Cross-Country?
Replies: 10
Views: 1070

Shipping Large Items Cross-Country?

Hi all, This is a super specific topic so I am not sure if anyone here will have any ideas. I assume many of you are business owners and may have an idea on shipping large items. Specifically, I am looking to ship 6-8 full-size wine barrels from California to Illinois. I've toyed with the idea of ju...
by db1216
Fri Jul 29, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Subaru VIP program question
Replies: 16
Views: 4328

Re: Subaru VIP program question

Similar to others. Invoice price us available at multiple online sites. I purchased my Subaru at Grand in Chicago. Get their internet price. And fourth'in for Grand Subaru. I bought my Legacy there after doing the e-mail route to all of the semi-local dealers. I drove from Bloomington, IL and they ...
by db1216
Fri Jul 22, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 28861

Re: Where were you financially when you were at 30?

Hi all, New poster but a year-long reader. I just wanted to mention that I really appreciate this thread. I will be turning 30 in December and my wife and I have recently become very aware of our need to be more frugal. I'm really thankful to have discovered this forum as it has already made a diffe...