Search found 1062 matches

by jabberwockOG
Wed Dec 13, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: To buy or not in the SF Bay Area (yes another one)
Replies: 18
Views: 1242

Re: To buy or not in the SF Bay Area (yes another one)

The primary purpose of buying a house is to lower the overall cost of living in the long run. Houses in desirable areas in the bay area no longer do that. This is a key indicator that the RE there is in another significant bubble. Stay where you are and close to work in a desirable area and pay the ...
by jabberwockOG
Sat Dec 09, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3427

Re: Please suggest a dry hands product

We always have a big container of Costco organic virgin coconut oil in our pantry for cuisine use. I periodically fill 6 oz cosmetic glass jars with it and regularly use it for face and skin moisturizing after bathing. Coconut oil does a fantastic job of preserving and keeping my aging skin as healt...
by jabberwockOG
Fri Dec 08, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Sweet Gum Balls
Replies: 36
Views: 2410

Re: Sweet Gum Balls

straws46 wrote:
Fri Dec 08, 2017 2:42 pm
If you are a golfer you can get a lot of short iron practice hitting them back to your neighbor.
This - a nice high loft wedge would do the trick and be great practice. Get good at plopping them back 3-5 yards over your property line. :mrgreen:
by jabberwockOG
Fri Dec 08, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5229

Re: Recommended places to live

I'm 27, single, male.. and work remote. Don't make much, maybe 70k... but can't figure out where to live. These US big cities are so expensive to live alone. All i really want is a studio apartment, but with housing so high now. I'm not sure where to go. Would love opinions. If I was single and you...
by jabberwockOG
Fri Dec 08, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1900

Re: Fuel Additives for 2017 Toyota Camry

Many dealers across multiple brands like to sell on chemical fuel treatments to customers because they are a big profit. This is a very common widespread practice at dealers. The most common product sold at dealers is a can of BG44, where a dealer may charge you $40 per treatment. This is significan...
by jabberwockOG
Fri Dec 08, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1900

Re: Fuel Additives for 2017 Toyota Camry

I use bottle of Techron concentrate fuel system cleaner in a full tank of gas twice a year. Techron along with a couple of others, like Regane, contain PEA (polyetheramine) an additive that has been shown by some test/studies to improve engine performance. They are fairly inexpensive to use and my c...
by jabberwockOG
Tue Dec 05, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7035

Re: Lowering My Grocery Bill

We budget and spend about 800 per month for two of us on groceries but that also includes most household items and paper products, detergent, beer/wine, misc household supplies. We focus on quality rather than lowest cost so I'm sure we could spend less. We go to Costco once a week and almost always...
by jabberwockOG
Tue Dec 05, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5763

Re: It's that time of year again... buying christmas gifts

In Hawaii, everyone get's gifts all year 'round for any reason. Go to the doctor's, bring something. Go talk with the landlord, bring a pie. Meet the painting contractor, bring a box of Malasadas. Everything's a reason for giving and sharing. No inner circle. No exclusions. Island style. Aloha spir...
by jabberwockOG
Tue Dec 05, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Week in San Diego over Christmas
Replies: 17
Views: 1096

Re: Week in San Diego over Christmas

Sadly sea world doesn’t have whale shows anymore. I think there are still dolphin and sea otter shows. Very happy the Orca shows are finished at least in the US. Now the dolphins, seals, and sea otters deserve a break. No animals of any kind, especially the more intelligent species, deserve to be l...
by jabberwockOG
Tue Dec 05, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Valuing today's money in terms of future invested value?
Replies: 6
Views: 261

Re: Valuing today's money in terms of future invested value?

Living below your means but reasonably, using common sense and ideas/concepts from bogleheads, you should live your life to have some fun today because tomorrow (much less 40 years from now) is absolutely not guaranteed. If you read this forum you should have a pretty clear idea of earnings and savi...
by jabberwockOG
Sat Dec 02, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1061
Views: 257065

Re: Best watch for around $5,000?

I have a Rolex Sea-Dweller that recently stopped working. I've had it for 10 years and at the 5 year mark it needed a service for several hundred dollars ($800+ if I remember correctly) and apparently it now needs another. I knew the recommendation was to service it at the 5 year mark being a mecha...
by jabberwockOG
Sat Dec 02, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Mercedes Benz C300,SRS module recall
Replies: 3
Views: 658

Re: Mercedes Benz C300,SRS module recall

Pay to get it fixed and sell it. I personally would not spend any additional funds maintaining a 9 year old MB. In my opinion they along with BMW and Audi are just too expensive and unreliable to maintain as they age. The electronics and complex interconnected sensors and ECMs on these brands will v...
by jabberwockOG
Sat Dec 02, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Win Bigly - Scott Adams
Replies: 26
Views: 3692

Re: Win Bigly - Scott Adams

Spent large part of my working life around well trained and very talented sales folks working multi million dollar transactions so in retirement I tend to watch interactions with sales persons with the clinical eye of an social anthropologist or behavioral psychologist watching test monkeys in a lab...
by jabberwockOG
Wed Nov 29, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11146

Re: After financial independence, do you lose motivation for work?

In retirement I work much harder and I am way more motivated than I was in my last 10 years of working for a salary. Probably in the last 3 years of working we realized I could stop working for money but we waited until youngest child went away to school. We are in a culture that doesn't really unde...
by jabberwockOG
Tue Nov 28, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2858

Re: CAR: Buy new, buy used (2016), lease new

Also be aware that in big urban areas and for a hot in demand new car the local dealers may have plenty of gullible walk in customers to choose from so they have no need to deal with a discount phone buyer. This happened a lot in the big cities years ago when Honda were super popular. The only way t...
by jabberwockOG
Tue Nov 28, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2858

Re: CAR: Buy new, buy used (2016), lease new

I slept terribly and will no longer be in that dealerships area today so i’m cancelling ... Honestly, I haven’t been able to get an actual price to be presented / agreed upon from over 5 dealerships and I’m at a loss with getting the “best deal” Do I call and make an offer and if it’s accepted go o...
by jabberwockOG
Tue Nov 28, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2858

Re: CAR: Buy new, buy used (2016), lease new

If I lease 0 down, 250-290 month 36 months / 12K miles If I buy 4500 down, finance for 36 months If I calculated correctly I could sell the car in 3 years if I’m sick of it for a net loss of $8000 (way cheaper than lease), if I love the car it’s mine for a decade I will likely finance, I would like...
by jabberwockOG
Mon Nov 27, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Insulated shopping bags
Replies: 14
Views: 785

Re: Insulated shopping bags

Where we live Costco is a 25 minute drive. For that shopping trip we always take along a large cold bag with one of those re-freezable ice packs in it. We put the bag in the cart when we get to Costco and put meat, frozen items, cold veg, butter, yogurt, etc in the bag for the drive home.
by jabberwockOG
Mon Nov 27, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2858

Re: CAR: Buy new, buy used (2016), lease new

Makes absolutely no difference to the service department where you purchased your car. In virtually every dealer, the service department,the new car sales, and the used car sales department are run as three entirely separate entities (and cost/profit centers) within the dealer. I recently moved 800 ...
by jabberwockOG
Mon Nov 27, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Let Go by MegaCorp - Lots of options
Replies: 40
Views: 3465

Re: Let Go by MegaCorp - Lots of options

You deserve a break. You are in a great place financially. Take the layoff and severance package and take a few months off to take stock and assess where you are, what you want, and what you want to do going forward. If you are good at what you do opportunities will present themselves.
by jabberwockOG
Mon Nov 27, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Inspiration to Work After You've Already "Won"?
Replies: 17
Views: 1685

Re: Inspiration to Work After You've Already "Won"?

Congratulations on making it so early. Start working hard for the good of the world and for others and brand new possibilities and opportunities for fulfillment will open up for you in a direct linear relationship with the amount of effort and focus you put into it.
by jabberwockOG
Mon Nov 27, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2858

Re: CAR: Buy new, buy used (2016), lease new

Have a tentative appointment scheduled for tomorrow to test drive the Sport They refuse to give me a bottom line number but did say they would beat the 21,300 quote I have elsewhere Printed out that quote as proof ... they said they could take a $500 deposit on the car and hold it for me until I ne...
by jabberwockOG
Mon Nov 27, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2858

Re: CAR: Buy new, buy used (2016), lease new

Have a tentative appointment scheduled for tomorrow to test drive the Sport They refuse to give me a bottom line number but did say they would beat the 21,300 quote I have elsewhere Printed out that quote as proof ... they said they could take a $500 deposit on the car and hold it for me until I ne...
by jabberwockOG
Mon Nov 27, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: failing at hobbies and leisure
Replies: 47
Views: 5055

Re: failing at hobbies and leisure

If you are bored and have too much time on your hands go do some volunteer work. There is always a local organization that needs bright folks to help out. Regularly putting yourself in the service of others for no pay and no reward will also help align your priorities in life to help create a satisf...
by jabberwockOG
Mon Nov 27, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Best auto loan rates?
Replies: 19
Views: 1267

Re: Best auto loan rates?

...Whats the lowest 60 month rate on a used car? planning to put $10,000 on a $50k car... It is frequently less expensive to buy a new car than a late model used one. Horse-poop it is never less expensive to buy new than used for a savvy buyer. Buying new is easy. It is less risky and much easier i...
by jabberwockOG
Mon Nov 27, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Best auto loan rates?
Replies: 19
Views: 1267

Re: Best auto loan rates?

...Whats the lowest 60 month rate on a used car? planning to put $10,000 on a $50k car... It is frequently less expensive to buy a new car than a late model used one. Horse-poop it is never less expensive to buy new than used for a savvy buyer. Buying new is easy. It is less risky and much easier i...
by jabberwockOG
Mon Nov 27, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Best auto loan rates?
Replies: 19
Views: 1267

Re: Best auto loan rates?

...Whats the lowest 60 month rate on a used car? planning to put $10,000 on a $50k car... It is frequently less expensive to buy a new car than a late model used one. Horse-poop it is never less expensive to buy new than used for a savvy buyer. Buying new is easy. It is less risky and much easier i...
by jabberwockOG
Mon Nov 27, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5082

Re: Safest roomy luxury suv?

Mercedes and Volvo are the brands that come to mind in terms of having a clear and consistent focus on safety. Most other brands are also designing safer cars these days but with most of them the specific focus is to match government regulations and not get sued in class actions rather than some int...
by jabberwockOG
Mon Nov 27, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Best auto loan rates?
Replies: 19
Views: 1267

Re: Best auto loan rates?

...Whats the lowest 60 month rate on a used car? planning to put $10,000 on a $50k car... It is frequently less expensive to buy a new car than a late model used one. Horse-poop it is never less expensive to buy new than used for a savvy buyer. Buying new is easy. It is less risky and much easier i...
by jabberwockOG
Sun Nov 26, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2858

Re: CAR: Buy new, buy used (2016), lease new

Once you know exactly what car you want you need to leave the dealer. You tell them the amount you want to pay for a specific make and model. Put that amount in writing via an email and ask them to reply back that they accept. The total purchase price offer amount should be listed exactly like this ...
by jabberwockOG
Sun Nov 26, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2858

Re: CAR: Buy new, buy used (2016), lease new

Dealer for the most part does not care how you are paying. For a purchase - how you will pay for the car you purchase has absolutely nothing to do with getting the lowest purchase cost. How you will pay should not be part of the conversation or the negotiations unless you want to mark yourself as a ...
by jabberwockOG
Sun Nov 26, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3655

Re: Should I keep the new iPad I bought or return it?

Approximately 90 percent of my reading these days is digital - books and magazines (downloaded from library) is done via Ipad. Also they are primary device used for reading in bed. Both our ipads are used every day.
by jabberwockOG
Sun Nov 26, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Furniture
Replies: 22
Views: 1846

Re: Furniture

I have had pieces of furniture for much longer than I thought I would have them when acquired, some nice quality tables and chairs for 43 years and counting. Over the last 20 years we have bought furniture at Thomasville, Ethan Allen, and Charles P Rogers (high quality beds) and have been very happy...
by jabberwockOG
Sat Nov 25, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Security issues with having hard drive replaced?
Replies: 11
Views: 578

Re: Security issues with having hard drive replaced?

I'd buy a brand new laptop this weekend if yours is 5 or more years old. And be sure to buy a system with an SSD on it. Buy the new system and buy a cable to connect the two systems so you can transfer your data over, or use a USB thumb drive. Or you could pay someone to come into your home and perf...
by jabberwockOG
Sat Nov 25, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5267

Re: Etiquette question: going out to dinner with friends and how to split the bill

Interesting to read some of the replies. Not sure I feel strongly about the right or better approach, but for people who like separate checks I guess that precludes sharing one or more bottles of wine with your dining companions It never has with us. Even when we tell the server that we want separa...
by jabberwockOG
Sat Nov 25, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5267

Re: Etiquette question: going out to dinner with friends and how to split the bill

We we dine out with other couples there is absolutely no issue where we live with asking for separate checks by couple. No one ever objects. Best way I have found is to ask the server to provide separate checks when ordering - indicate your spouse or partner to the server and say "we'd like separate...
by jabberwockOG
Sat Nov 25, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Toyota older, "good" cars - my observations
Replies: 48
Views: 4212

Re: Toyota older, "good" cars - my observations

The larger Toyota's especially Avalon can be found used at great prices. We purchased our latest Toyota SUV privately when it was 3 years old (with less than 15k miles on it) from a married couple that were 94 and 93 years old who had recently stopped driving due to infirmity.
by jabberwockOG
Fri Nov 24, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Any tips on gifts for employees?
Replies: 14
Views: 1184

Re: Any tips on gifts for employees?

Unfortunately a few managers give gifts and that makes most of the other managers feel they have to also give gifts. If you really must give your direct employees holiday gifts (which I think is a terrible idea) please be sure that the gifts are identical. A variance making them "thoughtful" even in...
by jabberwockOG
Thu Nov 23, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37731

Re: Did you tell anyone you paid off your mortgage?

Out of many friends and acquaintances there are maybe less than a handful that I can be frank with about financial matters because they themselves are in same or better financial shape. Sadly many of our friends and family are in much worse shape with more than a few of them being lifelong foolish d...
by jabberwockOG
Thu Nov 23, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 10512

Re: What are the things you want to do between 55 and 65?

Already broke 62 yo but I am happy to say at this point I am on course to be in similar level of very fit physical shape that I was in as a 30 yo. Almost everything else that is a current primary goal in our retirement flows from our getting into and then remaining in great physical condition for as...
by jabberwockOG
Thu Nov 23, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 61
Views: 5442

Re: Car shopping tomorrow

Be very clear with the dealer whether you want 0 down (you have to pay fees at signing) or 0 due at signing (all fees rolled into payments). it's been a struggle getting them to talk without trying to force me in the dealership ... but yes, I have been emphatic about if/when I do come in, I want th...
by jabberwockOG
Thu Nov 23, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 61
Views: 5442

Re: Car shopping tomorrow

Buying a 2 year old low mile car is a great idea especially when it has some months and miles of remaining full factory warranty on it. No need for a CPO car - most CPO programs (with few exceptions like Lexus) are overrated especially on a car that has some existing full factory warranty.
by jabberwockOG
Wed Nov 22, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 34
Views: 2181

Re: How difficult and expensive to add a new bathroom?

Price for built out of added square footage that requires foundation work is apprx $250 per sq foot and then add apprx $5-10k per bathroom depending on fixtures and finish.
by jabberwockOG
Wed Nov 22, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector still works with breaker off?
Replies: 38
Views: 2621

Re: Whole House Surge Protector still works with breaker off?

I'd call the installer company and tell them you are unhappy with the installation of the SP that hides its indicator lights. The SP should have been installed so that indicator lights are visible for inspection (even if the panel cover had to be modified or changed to make the lights visible).
by jabberwockOG
Tue Nov 21, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 61
Views: 5442

Re: Car shopping tomorrow

One dealer said it’s illegal to discuss terms over phone / email and I’d need to come in ... pretty sure that’s Bs 100% BS. Lots of people negotiate remotely and only go to the dealership to drive the car away. Last car I bought, I negotiated via phone and e-mail, then flew to a different state to ...
by jabberwockOG
Tue Nov 21, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 39
Views: 3251

Re: New car buyers...you should consider financing

2. As we were doing the paperwork, finance officer pulled bait-and-switch and said that if I wanted the price offered I could only get it by paying 5.9%, or the car would cost me $500 more. 3. I immediately thought of just walking out in anger as some suggested, but I spent a lot of time and effort...
by jabberwockOG
Tue Nov 21, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 3939

Re: Your favorite Costco wines?

DFJ Vinhos 2013 Paxis Red (Lisboa) - At Costco for 6.00/bottle, just bought a case yesterday. Delicious mildly fruit forward but very smooth wine - goes well with most foods, and not too hot with reasonable 13% alc - outstanding value.
by jabberwockOG
Mon Nov 20, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Unexpectedly in the housing market--should we buy this house or wait?
Replies: 29
Views: 3261

Re: Unexpectedly in the housing market--should we buy this house or wait?

Very few buyers are around during this time of year so builders may be extremely motivated to make a sale. Contact the builder directly, not with an agent, and make a firm offer for the house that is no more than $200 square foot with a closing date in 4 months. If they do not accept immediately ver...
by jabberwockOG
Mon Nov 20, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 61
Views: 5442

Re: Car shopping tomorrow

Thanks for the excellent advice I'm assuming the lease terms are always drawn up off the purchase price. If that's the case, once I narrow down which dealership is offering the lowest purchase price, I should go ahead and proceed with discussing lease terms if I'm interested in a lease? Is there no...
by jabberwockOG
Mon Nov 20, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3829

Re: Michelin or Bridgestone?

Michelin Premier are outstanding in the rain, super smooth and wearing very well. Would absolutely purchase again. Costco is unbeatable for high quality tire purchases.