Search found 966 matches

by jabberwockOG
Wed Oct 18, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: How did you rise into the Executive Ranks?
Replies: 17
Views: 2878

Re: How did you rise into the Executive Ranks?

Lots of variance in what is defined as having an exec job is based on company size and company maturity. You can be a VP at a 100 person growing company with 20 people reporting into you, or be a VP at a huge multi national with 6-10,000 reporting into you. Both jobs require the same basic skill set...
by jabberwockOG
Tue Oct 17, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my Mac Pro OS from El Capitan to Sierra?
Replies: 6
Views: 478

Re: Should I upgrade my Mac Pro OS from El Capitan to Sierra?

On a mac it is best to stay up to date on the OS. It is a very easy simple process that for the most part happens automatically and with no impact to the user. Staying up to date also insures you are running the very latest security code on your machine. Assuming you are running hardware that is sti...
by jabberwockOG
Mon Oct 16, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2151

Re: How do you outfit your feet?

Shoes are my weakness in terms of simplifying my life. It was way easier to drastically reduce clothes I own than shoes. I have minimal need for boots or dress shoes in the gulf coast area and resultant lifestyle. Most of my aprx 30+ pairs of footwear are some type of athletic shoe along with 2 pair...
by jabberwockOG
Mon Oct 16, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3023

Re: Bonus pushed back - should I be annoyed?

In any big multinational there are lots of folks whose job it is to reduce employee costs to improve retained earnings/profitability on a year to year basis. Success in this area is designed to increase executive bonuses and compensation. An easy way to reduce yearly employee costs is via benefits a...
by jabberwockOG
Sat Oct 14, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 90
Views: 6320

Re: anyone else not liking the new cars?

The current Lexus spindle grill is not something most people are ever going to get used to. That grill design will be legendary some day in the hall of design shame as a high water mark of obnoxiously fugly automotive design.
by jabberwockOG
Thu Oct 12, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2332

Re: Going First Class

Flying coach - crowded, dirty, noisy, germ/disease covered, filthy bathrooms, etc. I'd absolutely pay for and fly First class every time if I had the budget to do so. In the past I flew 2-3 times a month mostly for business for many years, being able to fly First class for a lot of that travel (most...
by jabberwockOG
Thu Oct 12, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1261

Re: Voiceprint technology (for authentication)

I have this with Vanguard and Wells Fargo. If their security experts believe in this technology who am I to doubt it? It is a healthy instinct and very smart to always doubt the opinions and assertions of the supposed "experts". Unless you enjoy being sheared, be mostly a wolf and never a sheep. Ev...
by jabberwockOG
Wed Oct 11, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3642

Re: Pro and cons of the Prime offer by Amazon.......

About the only retail store that I can tolerate is Costco so we use of our Prime membership a lot. We do not live near a big city so our retail options (even if we actually wanted to shop brick and mortar), are more limited than they might be for urban hive dwellers, making Amazon Prime very useful ...
by jabberwockOG
Tue Oct 10, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda Accord Hybrid EX-L???
Replies: 15
Views: 996

Re: 2017 Honda Accord Hybrid EX-L???

Technology in cars specifically in the accident avoidance area is changing and improving very rapidly. If you currently have a car that you can keep driving and live with, do everything you can to wait 3-4 or more years before buying a new car. Buying last year's car (a holdover 2017) means being st...
by jabberwockOG
Tue Oct 10, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2163

Re: When to buy new tires? - penny or quarter test

I have inspected damaged vehicles for most of my working years (43) and can attest to the problems with worn tires. I inspected numerous single car/leave the roadway accidents. Almost invariably the tires were a contributing factor to the loss of control on both wet and dry pavement. Often the driv...
by jabberwockOG
Tue Oct 10, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3029

Re: My Son is buying a 2017 Toyota RAV 4

My son negotiated a price for a 2017 Toyota RAV4 for $27,000 out the door. My son told me the car was manufactured in December 2016 and has 35 miles on . Should he be concerned that the RAV4 was setting on the lot for 10 months? Any other ideas and advice would be appreciated. Paul That's a long ti...
by jabberwockOG
Sat Oct 07, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's the right way to approach locking vs floating mortgage rates?
Replies: 7
Views: 564

Re: What's the right way to approach locking vs floating mortgage rates?

For lenders that don't self finance (which is most of them) the rates for the day that they quote typically are published on a "rate sheet" mid morning, and sometimes again mid afternoon. The rate sheet loan rates can change by 1/16s or sometimes more each day, or rate remains the same but discount ...
by jabberwockOG
Fri Oct 06, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3395

Re: Daughter's auto repair shop problems, what should we do now?

You can help her find a new car but you should let her decide what to do and how to deal with the bill and the car at the shop on her own. You can talk to her about her possible options but go no further. She got herself into this mess at the shop allow her to find her own way out however painful. I...
by jabberwockOG
Fri Oct 06, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 5323

Re: Do you foresee a drop in housing prices in the next 5 years

Couple of things are pretty certain, over the long run home prices go up to at least keep pace with inflation and labor costs mostly because of what it costs to buy land, materials, labor and then build a home. When local population is increasing in a desirable area home prices will go up more than ...
by jabberwockOG
Thu Oct 05, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3782

Re: How do you value your time?

I value my time in retirement between $0-320 per hour - the range based on my own personality quirks and my perception of the task's duration, level of effort, and attractiveness (fun or no fun to do) - all 3 of which are interdependent. Some example's 1. Valet parking - I'd rather walk 5 miles than...
by jabberwockOG
Thu Oct 05, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4212

Re: another 2 comma club member

The remarkable thing about this much invested is how much it can earn every year all by itself without adding any additional outside funds. Given how hard many people sweat and toil to earn even a modest living, having a $ million or more invested fairly conservatively and earning $50,000+ per year ...
by jabberwockOG
Tue Oct 03, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's the right way to approach locking vs floating mortgage rates?
Replies: 7
Views: 564

Re: What's the right way to approach locking vs floating mortgage rates?

Most lenders will require a 300-400 non refundable application fee....other fees might become due and chargeable as you move through the loan process. You could lock with one company and float with another but it might be difficult to get exact same costs for a pure apples to apples comparison but m...
by jabberwockOG
Sun Oct 01, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from one paid-for house to another
Replies: 19
Views: 1573

Re: Moving from one paid-for house to another

In the last two towns that we lived in, real estate offers that had buyer's house must sell contingencies were routinely immediately rejected especially on nice houses. That kind of contingency contract might work for buying an overpriced dog that had been sitting for months unsold but certainly not...
by jabberwockOG
Sat Sep 30, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3966

Re: I bought a car without thinking too much about value

Sounds like your first major car purchase and you could have done worse. Prius is a great relatively low cost car to buy. You very likely paid a little too much, and you most definitely got suckered on the warranty. The Prius is one of the most reliable cars on the road (so warranty is a huge waste)...
by jabberwockOG
Fri Sep 29, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much liquid Cash to Keep in Savings
Replies: 35
Views: 4662

Re: How much liquid Cash to Keep in Savings

We hold funds as "liquid" in multiple buckets - combination of short term and intermediate bond funds in IRA, taxable accounts, and Roth's, then a series of laddered CDs, then a couple of months expenses in a high yield FDIC insured savings account, and finally a month or so of expenses in regular c...
by jabberwockOG
Fri Sep 29, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: How much liquid Cash to Keep in Savings
Replies: 35
Views: 4662

Re: How much liquid Cash to Keep in Savings

When working I'd say emergency fund should be 6-12 months. There are multiple events that would stop you from working, or be unable to get new employment 6+ months. They may be relatively rare but they can and do occur to some people every day. Being retired we keep apprx 3 years expenses liquid so ...
by jabberwockOG
Thu Sep 28, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 4918

Re: My first promotion without a pay increase

What you earn is based on what you are worth in your local market. Getting that rate takes some work and not taking your current employer's "no" for an answer. The dirty little secret is that employers (even at megacorp) hand out big raises and stock options all the time to valuable employees who ha...
by jabberwockOG
Thu Sep 28, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11016

Re: The Rolex and The Boglehead

SNIP---------------- Anyone who genuinely believes a Rolex and a $20 casio are "the same" should consider money spent on a Rolex to be wasted. And that's your point of view and I wouldn't try and say anything differently. But paying fair market value for a Rolex, if you value it, isn't wasting money...
by jabberwockOG
Wed Sep 27, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11016

Re: The Rolex and The Boglehead

At what point would a boglehead say it's OK to buy a Rolex (or similar luxury item)? Surely the goal can't *just* be the accumulation of wealth. So is it OK to buy a Rolex: - Once you've extinguished debt and fully fund retirement accounts? - Once you earn the equivalent of a Rolex every month? - O...
by jabberwockOG
Tue Sep 26, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8580

Re: Is $9000 too much for a sectional sofa ?

There is a difference between high quality and high style designer piece - they may both be extremely well made or the designer piece may look great and be very expensive but may actually be pretty shoddy internally. Buying a high quality sofa/couch is not going to be inexpensive but it is usually w...
by jabberwockOG
Tue Sep 26, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11016

Re: The Rolex and The Boglehead

Very expensive completely obsolete mechanical watches that do not keep time as well, or as reliably, as a $20 quartz Casio watch - the absolute pinnacle example of Conspicuous Consumption. Extravagant luxury items with little to no utility or even borderline uselessness relative to much less costly...
by jabberwockOG
Tue Sep 26, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11016

Re: The Rolex and The Boglehead

Very expensive completely obsolete mechanical watches that do not keep time as well, or as reliably, as a $20 quartz Casio watch - the absolute pinnacle example of Conspicuous Consumption. Extravagant luxury items with little to no utility or even borderline uselessness relative to much less costly ...
by jabberwockOG
Mon Sep 25, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 317
Views: 51589

Re: Any books really change your outlook on life?

Your Erroneous Zones – Dyer
The Death of Ivan Ilyich - Tolstoy
The Fountainhead - Rand
More Die of Heartbreak – Bellow
Babbit – Sinclair
The God Delusion - Dawkins
Gimpel the Fool and other Stories - Singer
by jabberwockOG
Sun Sep 24, 2017 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 2915

Re: Realtor to buy home?

There is an understandable tendency to think both the listing agent and buyers agent are primarily motivated to keep the sales price high in a home sale. In actual practice real estate agents are primarily motivated to make the sale at all costs and then to close it quickly as possible regardless of...
by jabberwockOG
Sat Sep 23, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: The money trail...import vehicle vs domestic.
Replies: 32
Views: 2204

Re: The money trail...import vehicle vs domestic.

Virtually every major car manufacture is a multinational corporation (with workforce and factories in multiple countries) owned primarily by non participatory shareholders via large funds. Tesla may be the current exception of any significant size in the US. Buying "USA" when it comes to cars is an ...
by jabberwockOG
Fri Sep 22, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8231

Re: Age you retired

Currently 62 yo and retired. 38 years of pro IT career. Not even a week between various jobs I held over the years. At 60.5 I was more than ready to retire. I had planned to retire on my 60th birthday but I was provided with such a nice transition period at work (staff advisory position with trivial...
by jabberwockOG
Fri Sep 22, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 2915

Re: Realtor to buy home?

Thinking that the buyer actually pays the sale commission in a typical real estate transaction is flat wrong. In order to sell a home using a real estate agent in the US, the seller enters into a legally binding contract with an agent (called the listing agent) in which they agree in that contract t...
by jabberwockOG
Fri Sep 22, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 2915

Re: Realtor to buy home?

Bought our first place without a realator...was a big mistake. Second time used a realtor and was amazed at the value she added. Get a good, experienced one though. Not an in-law or part-time realtor! Please learn from our mistake, Would be tens of thousands of dollars better off right now had we u...
by jabberwockOG
Thu Sep 21, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 2915

Re: Realtor to buy home?

Sellers usually pay all realtor commissions (at least in my area), so unless your son specifically gets the house for a lower amount due to the seller not having to pay a buyers agent commission, there is no harm in using one. Not exactly. If I don't bring a realtor to the table the seller knows (a...
by jabberwockOG
Wed Sep 20, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Spray Foam Insulation
Replies: 20
Views: 2027

Re: Spray Foam Insulation

Spray foaming a house sounds like a great idea on paper but there can be serious negative issues in the long run. I personally would avoid buying or living in a spray foam sealed house unless I could physically confirm that there was adequate ventilation and moisture control inside and outside the f...
by jabberwockOG
Wed Sep 20, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4574

Re: Costco vs sams club vs neither.

Interesting to me how folks that don't like Costco tend to wildly exaggerate downsides - statements like always waiting in checkout lines for 20 minutes, having to buy 1 gallon of mayo, or 1,000 pill containers of ibuprofen, etc. I have been a Costco member for 25+ years in 3 different cities and we...
by jabberwockOG
Wed Sep 20, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 2320

Re: Time for a new laptop?

Probably going to receive a number of negative replies for this, but I would recommend a MacBook or MacBook Pro. I used to spend tremendous time troubleshooting my DOS Box / Windows machines. Finally got fed up with dealing with the headaches in fall 2009 and bought a MacBook Pro. My wife still use...
by jabberwockOG
Tue Sep 19, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: online security questions and some comments
Replies: 16
Views: 1145

Re: online security questions and some comments

So many people forget their security answers that cust service reps often ignore wrong answers and ask other questions that may be less secure including info that could have been attained by the Equifax hack and social engineering. Hackers that get stopped by one cust service rep can just call back ...
by jabberwockOG
Tue Sep 19, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Another cut the cable thread
Replies: 14
Views: 1340

Re: Another cut the cable thread

Interested in hearing about some BH alternatives to cable tv. We would like ability to record programs. Your thoughts and ideas please? I purchased a TIVO OTA a couple of years ago with a lifetime subscription. Connects to an antenna and records. There are other boxes out there as well. Same here -...
by jabberwockOG
Tue Sep 19, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 38
Views: 2393

Re: Convertible in Florida or not...

I think convertibles can get lots of use in a Southern climate. We love regularly driving our convertible in the Gulf coast area. Admittedly 3 months of the summer are too hot to use it top down except early mornings. Modern convertibles have more than adequate AC for top up days. But where we live ...
by jabberwockOG
Mon Sep 18, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4429

Re: Memory Foam Mattress Recomendations

We bought Leesa King size mattress about 2 years ago. Most comfortable mattress I have ever owned, and huge (and rare for us) added benefit is that my wife also loves it. Super comfortable and shows zero signs of wear or sagging after 24 months. The only downside is that almost every time we travel ...
by jabberwockOG
Mon Sep 18, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Car Swap Buy/Sell Timing Strategy
Replies: 20
Views: 912

Re: Car Swap Buy/Sell Timing Strategy

Find a 3-4 year old CRV coming off lease with under 30k-40k miles. Are you a one car family? If you have two, what is the non-Scion? I'm reading between the lines, but jumping from $5k Scion to a 2018 CRV might not be the best financial decision as you head into lower salary, a host of new expenses...
by jabberwockOG
Mon Sep 18, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Car Swap Buy/Sell Timing Strategy
Replies: 20
Views: 912

Re: Car Swap Buy/Sell Timing Strategy

Suggest you look at a base or mid level Subaru Forester or Outback. Buying a new car in January or February when weather is terrible in many places and customers are staying home can actually save you money. I would not trade the old car. Buy the new one first and then take your time cleaning up and...
by jabberwockOG
Sun Sep 17, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20106

Re: Iphone X is $1000

I think we are very close to a time that is analogous to when people stopped buying new PCs every 2-3 years because PCs were getting so much faster and more powerful on a yearly basis. Basically the same situation has existed for cell phones over the last 12-15 years - phones were improving in speed...
by jabberwockOG
Sun Sep 17, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4189

Re: Buying nightguards (teeth grinding)

I am cheap and hate to pay silly high rate for a dentist made mouth guard but this was not really a budget issue. For me the smaller thin mouth guards did not work as well. The larger softer guards for me do a much better job then the thin guards of suppressing/stopping teeth/jaw clenching while asl...
by jabberwockOG
Sun Sep 17, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 141
Views: 15915

Re: Do you have an umbrella policy?

$128/yr for 1 mil. I was also able to slightly lower the cost of my auto and home insurance using the umbrella so over added yearly cost is likely about $75. Our assets are in excess of this amount but I was primarily looking to get the insurance companies legal team on my side should be have an is...
by jabberwockOG
Sun Sep 17, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 141
Views: 15915

Re: Do you have an umbrella policy?

$128/yr for 1 mil. I was also able to slightly lower the cost of my auto and home insurance using the umbrella so over added yearly cost is likely about $75. Our assets are in excess of this amount but I was primarily looking to utilize the umbrella to get the insurance company's legal team on my si...
by jabberwockOG
Sun Sep 17, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3580

Re: Should I contact a lawyer?

My apologies in advance for being blunt but I can't understand why you would not want to freely share your materials to assist and lessen the workload of a colleague as they prep for and teach a class. Teaching and prepping for classes is super hard. You stated you believe teachers should do their o...
by jabberwockOG
Sun Sep 17, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4189

Re: Buying nightguards (teeth grinding)

Amazon has various mouth guards for sale- some larger and thicker than others. I purchased 3-4 types of inexpensive guards, tried each out for a week or so, and use the one I liked best. Below is what I currently use. It is a little larger and has more give than the typical thin fairly hard shell th...
by jabberwockOG
Wed Sep 13, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10652

Re: The 10 year car ownership "rule"

We currently have 3 cars a 2004, 2006, and 2007. All have been garage kept, run like new and look great. We plan to keep them for at least 5-7 more years (at a minimum). I'd suggest that most modern cars (mid 90s and newer) can easily go 15-20 years and still be very reliable if they are well mainta...