Search found 1149 matches

by jabberwockOG
Wed Feb 14, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 6306

Re: Work-out schedule for those in 60s

Being retired exercise and volunteer work is our primary activity with house/garden projects/chores a close second. This schedule varies a little but it is representation of a typical 7 day week. 1 hour Yoga or Pilates 3-4 days a week, 1 hour racquetball or tennis 2 days a week, 45 minutes intensive...
by jabberwockOG
Tue Feb 13, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 6158

Re: Should I claim chapter 7 bankruptcy? debt 110k

My apologies in advance for being blunt. You are 30 years old living with your parents trying to make a killing with risky trading and got badly burned in the process. Now you are considering the solution is to paying nothing of what you lost and honestly owe. I suggest you take a long moment to con...
by jabberwockOG
Sat Feb 10, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6280

Re: Does it ever make sense to buy a new car?

Lowest cost way to own cars over a lifetime is to buy a very reliable, low mile, well maintained 3 year old car at approx 60% of new cost and drive it 10 years and then sell it privately. Rinse and repeat. Buying new is way easier and more convenient but never less expensive. And leasing is just str...
by jabberwockOG
Sat Feb 10, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Another tire question - rotation for low mileage?
Replies: 15
Views: 987

Re: Another tire question - rotation for low mileage?

Assuming no existing alignment issues, the two tires in front, that are used to steer, typically wear at a much higher rate than the two rear mounted tires (especially on a front wheel drive car). Regular (non-high performance) tires should be rotated every 5k miles.
by jabberwockOG
Sat Feb 10, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: My Mac Pro has gotten gigantically slow online: meltdown $ spectre?
Replies: 19
Views: 2236

Re: My Mac Pro has gotten gigantically slow online: meltdown $ spectre?

First thing I'd do is to take it to local coffee shop or a friend's house and see if it runs better, worse or the same connected to a different network. Assuming it runs at same super slow speed when connected to a different network next thing to check is disk space to see if it is maxed out. Then t...
by jabberwockOG
Fri Feb 09, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 2824

Re: Not happy where we live

If you are fortunate enough to be able to make a reasonable living in a warm pleasant climate I would not hesitate for a second. Go back South! I was raised up North but immediately moved South when I got my first professional job. Some smart folks love the ice belt but I could not do it - living wi...
by jabberwockOG
Thu Feb 08, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about employer not paying all I am owed
Replies: 29
Views: 2505

Re: Worried about employer not paying all I am owed

You need to start looking for a new job immediately. Do not under any circumstances continue working for someone that is holding out on you and shorting promised salary making excuses about cash flow. Get a solid job offer in hand, then let current employer know you will quit immediately unless paid...
by jabberwockOG
Thu Feb 08, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: Volatility as a cause of volatility?
Replies: 18
Views: 1143

Re: Volatility as a cause of volatility?

I think the majority of recent volatility is primarily driven by a significant amount of "machine" program trading, competing software algorithm trading applications driving huge trading volumes and big daily price swings. These systems are designed to recognize and capitalize on short term market f...
by jabberwockOG
Thu Feb 08, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1610

Re: Multiiple indicator lights on (car)

This type of multi-error light display is often caused by a malfunctioning/dying car battery.
by jabberwockOG
Wed Jan 31, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Is this new car the smarter option?
Replies: 24
Views: 1630

Re: Is this new car the smarter option?

If more people bought a car with safety as a priority and had even moderately realistic expectations in terms of the chances of having a serious accident when chose make and model, there would be a lot more large cars out in the streets. No way I am driving around in a lightweight low-budget tin ca...
by jabberwockOG
Tue Jan 30, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Is this new car the smarter option?
Replies: 24
Views: 1630

Re: Is this new car the smarter option?

If more people bought a car with safety as a priority and had even moderately realistic expectations in terms of the chances of having a serious accident when chose make and model, there would be a lot more large cars out in the streets. No way I am driving around in a lightweight low-budget tin can...
by jabberwockOG
Sun Jan 28, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 3711

Re: Which of these mechanic-recommended services would you pay for?

1) Power steering fluid was dark. Recommend flushing and replacing fluid. $150 2) Brake fluid appeared dirty. Recommend flushing and replacing fluid. $170 3) Spark plugs should be replaced. $170 4) Coolant hoses getting crunchy. $600 Prices seem pretty high. Get another couple of estimates and at l...
by jabberwockOG
Sat Jan 27, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 3656

Re: Strategies to combat the urge to spend?

Most people think they own the expensive cars, house, jewelry, clothes and all the other accoutrements of success they have pursued and acquired to achieve "happiness". Nothing could be further from the truth. You don't own your stuff, it owns you. You have to travel mindfully and pretty light in th...
by jabberwockOG
Fri Jan 26, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide how wealthy you really are?
Replies: 58
Views: 7897

Re: How do you decide how wealthy you really are?

The top 42 richest people in the world own the same combined asset value as the lowest 3.7 billion people. Those 42 folks are wealthy. The rest of us are pikers at best. Seriously everyone has their own sense of wealth and it is generally relative to the situation of their closest friends and relati...
by jabberwockOG
Thu Jan 25, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Lawn service etiquette
Replies: 36
Views: 3740

Re: Lawn service etiquette

We live in a LCOL area but the cost for pine straw mulch is relatively high here despite abundant local pine trees. In my area good quality pine straw is $5 bale delivered or $8-9 delivered and spread. It is not unusual to need 80-100 bales a year to keep the typical medium size yard looking good an...
by jabberwockOG
Thu Jan 25, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Swing Shift vs 8-5
Replies: 32
Views: 2075

Re: Swing Shift vs 8-5

My limited experience with shift style hours on some extreme projects decades ago was that breaking/disregarding natural circadian rhythms, at least for me, felt very bad for my physical and mental health.
by jabberwockOG
Thu Jan 25, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Could meditation help deal with market distress?
Replies: 32
Views: 1759

Re: Could meditation help deal with market distress?

I meditate primarily on having 4-5 years of liquid interest earning non equity assets to use for living expenses in a market downturn .
by jabberwockOG
Tue Jan 23, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Lawn service etiquette
Replies: 36
Views: 3740

Re: Lawn service etiquette

I'd let them know that you are unhappy they billed you $700 for extra cost work that was not discussed or pre-approved by you. No reputable company does business this way with a new customer. I'd further ask them for a reasonable discount (20%?) on that specific invoice. If they balk or refuse to ad...
by jabberwockOG
Tue Jan 23, 2018 1:44 am
Forum: Personal Consumer Issues
Topic: Retirement causes brain function to rapidly decline, warn scientists
Replies: 13
Views: 2101

Re: Retirement causes brain function to rapidly decline, warn scientists

National enquirer style post title for a newspaper article that misrepresents or does not comprehend the study it is based on - 100% unadulterated horse pucky. Reading softheaded "info" like this is much more likely to produce brain decline than pursuing an active, altruistic, socially engaged retir...
by jabberwockOG
Tue Jan 23, 2018 1:42 am
Forum: Personal Consumer Issues
Topic: Retirement causes brain function to rapidly decline, warn scientists
Replies: 13
Views: 2101

Re: Retirement causes brain function to rapidly decline, warn scientists

National enquirer style post title for a lay article that is 100% pure horse pucky. Reading and believing stuff like this is much more likely to produce brain decline than pursuing an active, altruistic, socially engaged retirement.
by jabberwockOG
Mon Jan 22, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 2621

Re: Cutting cable

Purchased a Tivo Roamio OTA DVR and we subscribe to Netflix and Amazon Prime. Combination works fantastic. We watch programming when we want and absolutely never watch commercials.
by jabberwockOG
Sun Jan 21, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Does anyone subscribe to Kiplinger's, Kiplinger's Retirement Review, or Smart Money?
Replies: 21
Views: 1459

Re: Does anyone subscribe to Kiplinger's, Kiplinger's Retirement Review, or Smart Money?

Most magazines including ones like money and kiplingers are available as digital downloads from local library. I browse thru at least 20 mags a month. Quality varies month to month and with some issues and articles useful while others are a waste of time.
by jabberwockOG
Sat Jan 20, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 2953

Re: Rent (free at library) or buy books?

We buy very few books, no more than a couple per year, mostly cook books. Everything else comes from regular visits to our excellent local library - physical books along with much more convenient ebooks. My wife is especially good at getting on the new release hold lists early and always get the lat...
by jabberwockOG
Thu Jan 18, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3679

Re: I got a Roomba and think you should too

We had one for a year or so. Fairly large house with mostly wood and tile floors and some large area rugs. I was also frustrated with how completely dumb it was for a supposed "robot' vacuum cleaner. In general is was about as much work cleaning/maintaining the Roomba as it would be to manually vacu...
by jabberwockOG
Tue Jan 16, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Need to buy new printer. Suggestions for best value?
Replies: 32
Views: 2346

Re: Need to buy new printer. Suggestions for best value?

I use a 5 year old HP Photosmart 7525 - scan, fax,copy, print. I run ultra cheap 3rd party "brand x" cartridges purchased on line for 1/5 the cost of HP ink cartridges and have no issues. If it broke tomorrow I'd likely get a HP Envy 5660 to replace it. It scans, copies, and prints but does not fax....
by jabberwockOG
Tue Jan 16, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Inherited a coin collection I would like to sell
Replies: 8
Views: 1287

Re: Inherited a coin collection I would like to sell

Watch out for specific valuable coins disappearing if you take them for appraisal and do not have a detailed coin inventory list. Work with a trusted reputable dealer if you use an appraisal service.
by jabberwockOG
Sun Jan 14, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 3110

Re: Any high-end skincare products worth it?

High end snake oil mostly designed, formulated and crafted to easily separate your money from your person.

For skin and hair care try organic virgin cold pressed coconut oil available for about $20 for a gigantic 84 ounce container at your local Costco.
by jabberwockOG
Sun Jan 14, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4691

Re: Almost a pathological fear of debt, to my detriment?

Off topic here, but I honestly believe housing prices are partly insane because of mortgages, which are a 'social accepted' means of financial engineering. In a world where mortgages would be illegal, housing prices would be farrrr lower than what they are now and much more reasonable to fully pay ...
by jabberwockOG
Sun Jan 14, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4691

Re: Almost a pathological fear of debt, to my detriment?

I’m not sure one has to be savvy. My 22 year old, non savvy person, told me she’s given up her emergency fund, going to contribute fully to Roth IRA, instead of half as she told me last year. I now figure why, she was approved a large credit card from PenFed recently, she has every intention of pay...
by jabberwockOG
Sun Jan 14, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4691

Re: Almost a pathological fear of debt, to my detriment?

This generalization doesn’t work. Not in HCOL, you will be poor forever. Financially knowledgeable folks have the advantage of deciding when debt is to their benefit. This leads to more 'tools' available to enhance their savings and their lives. I’m not sure one has to be savvy. My 22 year old, non...
by jabberwockOG
Sat Jan 13, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4691

Re: Almost a pathological fear of debt, to my detriment?

In most cases financially independent folks earn interest while poor and perpetually poverty stricken folks pay interest. This generalization doesn’t work. Not in HCOL, you will be poor forever. Financially knowledgeable folks have the advantage of deciding when debt is to their benefit. This leads...
by jabberwockOG
Sat Jan 13, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4691

Re: Almost a pathological fear of debt, to my detriment?

In most cases financially independent folks earn interest while poor and perpetually poverty stricken folks pay interest.
by jabberwockOG
Thu Jan 11, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 33
Views: 1528

Re: Cars in college

Our youngest child's car driven for last 2 years of HS sits at home while they attend college. Lives very near campus and uses a bike or good old fashioned legs to get around the large urban campus. The parking fees on campus as well as additional fees for an apartment complex parking slot are extre...
by jabberwockOG
Thu Jan 11, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Lease a Silverado 4x4 extended cab for $152 month?
Replies: 23
Views: 2532

Re: Lease a Silverado 4x4 extended cab for $152 month?

that is the price. Last year, I leased my current car for $60/ month. 0 down . I have some additional discounts that obviously not all people receive I'd love to hear what discounts you were provided or negotiated in order to lease a new car for 60/month and 0 down. Please provide details, includin...
by jabberwockOG
Thu Jan 11, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Lease a Silverado 4x4 extended cab for $152 month?
Replies: 23
Views: 2532

Re: Lease a Silverado 4x4 extended cab for $152 month?

I would bet significant cash that the 152/month with 0 down leasing deal with no other out of the ordinary costs on a new Silverado 4x4 is 100% horse poop.
by jabberwockOG
Thu Jan 11, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 3830

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

Do not run a high end MB under any circumstances without either the factory warranty or a solid coverage extended warranty. And consider a spare car to use while the MB is in the shop.
by jabberwockOG
Wed Jan 10, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: House water detection and alert system?
Replies: 41
Views: 2614

Re: House water detection and alert system?

Simplisafe alarm systems can easily be configured with water/flood sensors in multiple areas. Notifications on tripped sensors sent via email,text, phone or all three.
by jabberwockOG
Wed Jan 10, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1307

Re: Diminished value claim - small claims court

Cars that have a clean Carfax (ie. no record of any accident) and cars that have not had any body repairs and paintwork are worth significantly more than a car that has accident(s) on its record and/or body repair and previous paint work (even with "clean" Carfax). In some cases the different can be...
by jabberwockOG
Wed Jan 10, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Sell Sports Car and Invest or Keep for Fun Factor
Replies: 25
Views: 1230

Re: Sell Sports Car and Invest or Keep for Fun Factor

Personally I would keep the S2000 for a toy and partially as an investment. They are no longer made, a little bit of a cult car, and rare so my guess is a garaged well cared for example isn't going to lose much value and may actually continue to gain. We love older 2 seat convertibles so if it was m...
by jabberwockOG
Wed Jan 10, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1307

Re: Diminished value claim - small claims court

I have never sued anyone and could be dead wrong on this but I think your diminished value lawsuit might be better directed specifically at the person that hit you/caused the accident rather than trying to sue the person's insurance company. May be best to let them fight their own insurance company ...
by jabberwockOG
Mon Jan 08, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20088

Re: Anyone disenchanted with retirement?

Just hit two years this month. I had an inkling but no real idea of how enjoyable retirement would be, if I had known I would have worked and planned harder in order to retire a few years earlier. I agree that a small percentage of people say they are miserable in retirement missing their careers/jo...
by jabberwockOG
Mon Jan 08, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I take this promotion?
Replies: 26
Views: 2051

Re: Should I take this promotion?

I'd take the gig if it was offered but be aware that a manager role is very different job. In addition a brand new manager has an enormous amount to learn about managing and reporting for a department, running a profit center/business, in addition to the required HR/people management skills which c...
by jabberwockOG
Mon Jan 08, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 75
Views: 7688

Re: New mattress

We bought a Leesa king about 4 years ago and love it. It still sleeps and feels like brand new 4 years later. The only downside is that sleeping anywhere else but home we badly miss the Leesa and never sleep nearly as well.
by jabberwockOG
Mon Jan 08, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4807

Re: New Honda CRV - first oil change full synthetic?

I always change oil and filter myself yearly or at 5,000 miles using Mobil1 or Pennzoil Platinum and usually Fram Ultra filters. Oil and filters bought only when they go on sale. I could go longer on change interval (likely 7,500) but recently we drive our cars approx 4-8k miles per year and 90% of ...
by jabberwockOG
Sun Jan 07, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: When to drop comprehensive auto coverage?
Replies: 25
Views: 2548

Re: When to drop comprehensive auto coverage?

Drop collision when car is 8-10 years old. My rate for comprehensive is low enough that it isno5 worth dropping regardless of car age.
by jabberwockOG
Sun Jan 07, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 23
Views: 2690

Re: Teeth Whitening

Just don’t over do it. Some people walking around with electric white teeth look pretty silly and a little scary.
by jabberwockOG
Sun Jan 07, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Money and Morality
Replies: 5
Views: 1220

Re: Money and Morality

The behavior outlined in the Vanity Fair article is primarily caused by people willing to do anything in desperate search and need for meaning, connection, and love in their lives but with a completely distorted view of what is required to achieve it. It most cases the horrendous tech heavy educatio...
by jabberwockOG
Sat Jan 06, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Muir Woods (California) requires reservations.
Replies: 16
Views: 1988

Re: Muir Woods (California) requires reservations.

First visit to Muir Woods was in 1973. Small parking lot and maybe 3-4 cars there midweek. My friend and I walked most of the paths mostly not seeing or hearing another soul. People there were quiet and respectful of what was around them. Incredibly stillness and beauty just sounds of birds and bugs...
by jabberwockOG
Sat Jan 06, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take this promotion?
Replies: 26
Views: 2051

Re: Should I take this promotion?

I'd take the gig if it was offered but be aware that a manager role is very different job. In addition a brand new manager has an enormous amount to learn about managing and reporting for a department, running a profit center/business, in addition to the required HR/people management skills which ca...
by jabberwockOG
Sat Jan 06, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 133
Views: 16571

Re: Buying a new home at age 50 in a nicer neighborhood

Great looking remodel - hopefully you did not improve it past what the new neighborhood will sustain for future sale. Even if you did it will be enjoyable and likely almost worth it if you stay in it long enough.