Search found 883 matches

by jabberwockOG
Thu Aug 17, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 25
Views: 2611

Re: Little P**S Ants

Apply a pesticide drench on the outside perimeter of the house that is rated for ants.
by jabberwockOG
Thu Aug 17, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 108
Views: 3642

Re: Is it worth it?

Life is more than money and you can never buy back that lost time with children. Or, on your deathbed which would you regret more? Not socking away more money in your thirties or spending more time with your children? Of course it's worth it. 100% agree - I'm actually surprised anyone has to ask th...
by jabberwockOG
Wed Aug 16, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4347

Re: Best Housing To Avoid Noise

In apartments and condo buildings concrete floors and walls make a world of difference but these kinds of buildings are usually only found in giant urban centers that come with their own non stop noise pollution. I recall some long nights in big hotels in major US cities where if you listened carefu...
by jabberwockOG
Mon Aug 14, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 6451

Re: Retired Boglehead obsession with money- devil's advocate

If I get put in a home, I'd rather be in one where I can private pay $14k a month and get real food, tv, a nice environment and enough health care staff to notice whether or not I'm still alive vs being in one where for entertainment, I get to lean against a cement block wall and where a nurse come...
by jabberwockOG
Mon Aug 14, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 6451

Re: Retired Boglehead obsession with money- devil's advocate

For me money is a number that enables and represents freedom, safety, choice and nothing more. Spending money for us in no way equates to having fun or living it up. In terms of worrying about money, I am careful to preserve and maintain our "number" only because it supports our financial independen...
by jabberwockOG
Mon Aug 14, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Public vs Private Elementary
Replies: 57
Views: 3063

Re: Public vs Private Elementary

I'd suggest folks spend their money on buying a home in a location with excellent local public schools instead of paying ridiculous private school tuition. Great public schools can provide an excellent education and also produce great property values for those smart enough to purchase homes and supp...
by jabberwockOG
Mon Aug 14, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Long Distance Auto Transport
Replies: 7
Views: 497

Re: Long Distance Auto Transport

I think the review situation with average car transport company is similar to interstate household goods movers. They in general do an adequate job but also have lots of issues and make lots of mistakes. You have little choice but to do the DD you can and then make a pick and hope for the best. If y...
by jabberwockOG
Sun Aug 13, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Due to 8 Year Bull Market, Pay Off Rental Now?
Replies: 35
Views: 3522

Re: Due to 8 Year Bull Market, Pay Off Rental Now?

Sounds like a good plan since we are market highs and your accelerated payment plan will not take very long. You cannot predict the future but anytime you can quickly clear debt I'd do it. There is no better feeling then being debt free especially on real estate.
by jabberwockOG
Sat Aug 12, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: "Why do you want to come here?" Hiring Manager Question
Replies: 10
Views: 1420

Re: "Why do you want to come here?" Hiring Manager Question

A mix of good and some not so good advice so far. The goal of a candidate for having a great job interview is to facilitate an open, helpful, and sincere dialogue and exchange of ideas, values, and goals in order to aid both parties to 1) make a smart choice and offer to the right person and 2) acce...
by jabberwockOG
Fri Aug 11, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 132
Views: 6459

Re: How far would you travel to see The Eclipse?

I do my utmost best to avoid giant crowds so I might actually take a trip away from the area if I lived right in it and I knew we would be inundated by the herd.
by jabberwockOG
Thu Aug 10, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Toyota Radio and Backup Camera No Longer Work
Replies: 41
Views: 1796

Re: Toyota Radio and Backup Camera No Longer Work

If the car was looked at by the Toyota techs they should have tested all appropriate fuses before saying the entire audio unit needed to be replaced. There are also small companies that repair radios for a flat fee. Often you send them your broken unit and they just send you an exchanged repaired un...
by jabberwockOG
Thu Aug 10, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Toyota Radio and Backup Camera No Longer Work
Replies: 41
Views: 1796

Re: Toyota Radio and Backup Camera No Longer Work

Something likely fried when the installer shorted a wire when your battery was replaced. They will not fix anything becuse you cannot prove they damaged anything and if they don't admit it you are hosed. Most likely it should be just a fuse or two blown but could have been the entire audio system bu...
by jabberwockOG
Wed Aug 09, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Issue with PNC Bank
Replies: 8
Views: 700

Re: Issue with PNC Bank

You are likely a victim of a deficiency in the application software that the bank uses for credit cards. There is likely not much they can do about your situation because the application software they are using (likely purchased from a3rd party) can't carry the history over more than two accounts. I...
by jabberwockOG
Wed Aug 09, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5134

Re: Buying a Vehicle the Old Fashioned Way

DW & I took a hybrid approach and it worked well for us. This was for a new car purchase recently. Once we knew what car/options we wanted, we went to the online forums for this manufacturer and people there readily share the discounts they are getting off of MSRP. Typical for this car was 4-7%, wi...
by jabberwockOG
Wed Aug 09, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5134

Re: Buying a Vehicle the Old Fashioned Way

$700 Scotch Guard interior, exterior paint and rust proofing protection. This stuff is BS. No way I would let a dealer do this to my brand new car. I thought they got rid of this crap years ago. Yes agreed - actually if you read the new manuals you will likely see that performing these 'add ons' ar...
by jabberwockOG
Tue Aug 08, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5134

Re: Buying a Vehicle the Old Fashioned Way

The discount from a average retail transaction cost you get purchasing a new car is almost always a linear function of how much time and effort you put into lowering your cost for the transaction by educating yourself on the market, the model and local competitive conditions. 99% of sales folks at m...
by jabberwockOG
Sun Aug 06, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Buying a new TV. What do I need to know now?
Replies: 29
Views: 2199

Re: Buying a new TV. What do I need to know now?

Hard to go wrong picking any midrange feature TV offered by the major brands these days. For $1-2k price range the technologies and features are all pretty identical unless you are looking at TVs in the $3000+ range which for 99% of buyers is a waste of money. If you are not already a member join Co...
by jabberwockOG
Sun Aug 06, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 39
Views: 4292

Re: Love your family car? Under $16,000? Please share!

Suggest a used one owner low mile 3-4 year old Honda Accord or CRV or a Toyota Camry or RAV4.
by jabberwockOG
Sat Aug 05, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7073

Re: Study: Who Sold Stock During the 2008-9 Crash?

I did not sell anything in that period, continued to make regular monthly purchases. The only behavior change was to stop regularly checking my balances in my accounts during market corrections. My consistent investment advice to friends and family is to invest when the herd is running for the exits...
by jabberwockOG
Fri Aug 04, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21062

Re: A poll: How much money do you want to retire?

I'm glad to see that there are some "normal" people here. I must say, when net worth and salaries are thrown about, this forum can become intimidating and depressing. That's the danger with these kinds of threads. I promise you that there are many BHs who are normal people, but they don't...
by jabberwockOG
Thu Aug 03, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Widow Benefit Question (urgent)
Replies: 27
Views: 1955

Re: Social Security Widow Benefit Question (urgent)

If your mom waited until her full retirement age before she started her SS payment then she should be able to collect the full amount of her deceased spouse's monthly SS. If she began her SS payments early, before her full retirement age, then the survivor payment amount will be reduced to reflect h...
by jabberwockOG
Thu Aug 03, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 96
Views: 7861

Re: LED light bulbs

Replaced all bulbs in the last two houses with LED, mostly from home depot and Costco. Be sure to keep receipts and original packaging if possible so returns for any early bulb failures are easy. Great deals on LED bulbs at Costco and returns at Costco are super easy. The recent batch we put in last...
by jabberwockOG
Wed Aug 02, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Job/ life advise
Replies: 7
Views: 1323

Re: Job/ life advise

Sounds to me like a lot of what you list about the new job is not better so I think you want to keep your old job. Hopefully your manager will be able to give you a raise to stay. And absolutely do not worry about accepting a counter offer from your current company and staying. Smart high value empl...
by jabberwockOG
Wed Aug 02, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2161

Re: Sunroom Worth It?

At a minimum build out sun-room with very good quality windows and doors and super insulate it. Also consider building the sunroom as HVAC finished space instead - way more bang for the buck adding finished SQ space to your house.
by jabberwockOG
Wed Aug 02, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Startup vs big company (financial equity at stake)
Replies: 57
Views: 3407

Re: Startup vs big company (financial equity at stake)

Lots of start-ups increase in value very rapidly and then they come down just as rapidly. Might be great time for you to bail even if it might mean leaving some money on the table. Also be sure to diversify your investment holdings to avoid concentration in any one stock or sector.
by jabberwockOG
Wed Aug 02, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Amazon, eBay, Costco, vs. Walmart?
Replies: 17
Views: 1585

Re: Amazon, eBay, Costco, vs. Walmart?

Savvy shoppers use all 4 as appropriate to get the best deals on price, shipping, quality, and selection.
by jabberwockOG
Wed Aug 02, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 1835

Re: Any problem leaving a hole in ceiling of garage?

It is super easy to glue and nail up 4 pieces of door frame molding to create a rectangular picture frame around the hole and then cut a small piece of drywall to fit inside the frame and act as an access panel. A handyman should be able to create the frame and panel and install it in less than 1 ho...
by jabberwockOG
Wed Aug 02, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Bad kitchen cabinet install in condo. Need help improving.
Replies: 34
Views: 2733

Re: Bad kitchen cabinet install in condo. Need help improving.

Every house even brand new builds have walls and ceiling out of level. The drywall issue of that magnitude should have been caught and disclosed at planning time. The exact reason folks use expensive pros to plan and install kitchens is to avoid and mitigate issues like this up front. Cheapest fix i...
by jabberwockOG
Wed Aug 02, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: buy private party used car - bank of america to exchange?
Replies: 8
Views: 806

Re: buy private party used car - bank of america to exchange?

These days it is easy to create a fake cashiers check so verification of the check is critical. Local bank is a great place to exchange funds especially if both buyer and seller are account holders. I insist on exchanging funds at a local bank where at least one party has an account. At my bank when...
by jabberwockOG
Mon Jul 31, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 2593

Re: Filling bookshelves cheaply

Filling shelves with books just to impress others is a terrible way to start a career. Give it some time and you should be able to creatively come up with better more practical uses for the extra storage space besides dusty old books. If you really want to fill shelves with random books suggest you ...
by jabberwockOG
Sat Jul 29, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 3207

Re: Home Security System with/without monitoring

Installed Simplisafe last month. Happy with the results. In addition to window, door, motion, glass break sensors for intrusion detection we can also use the system to monitor fire/smoke and water in 3 places (kitchen, laundry room, water heater in attic). Be aware that to have 24x7 monitoring and a...
by jabberwockOG
Fri Jul 28, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Need advice - Job
Replies: 29
Views: 2220

Re: Need advice - Job

Don't ask for a match, just ask for a raise and not mention your job offer. Usually when management hears you have been looking and then asked to match your pay, you will be the next to go. Management may see it as a sign of your lack of loyalty. If they ever need to cut someone, you will be the ea...
by jabberwockOG
Fri Jul 28, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Phone number stolen
Replies: 41
Views: 2722

Re: Phone number stolen

Either get the phone number back in the next 24 hours by escalating to appropriate management level at your carrier or get a new number. Do not let this situation with a potential stolen number go on without addressing and resolving. Your phone number is like your SSN these days. It unlocks too many...
by jabberwockOG
Fri Jul 28, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 38
Views: 6606

Re: Chipping away at the mortgage

Very few things in life can beat the wonderful, secure feeling of owning your own home and property absolutely free and clear - sweep away the naive and overly optimistic rationalizations about cost of money, debt leverage, opportunity cost, and other finance-babble, and it is just that simple.
by jabberwockOG
Fri Jul 28, 2017 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Ready to retire - have I missed anything?
Replies: 24
Views: 3951

Re: Ready to retire - have I missed anything?

Congratulations. No need for details here. Given your age and assets invested wisely you have plenty, way more than enough for most folks actually. I have no idea why I would need $125k a year in retirement (we spend half of that and have absolutely everything we want) but different strokes for diff...
by jabberwockOG
Thu Jul 27, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 130
Views: 30245

Re: What you wish you had known entering your late 20's

Knowing what you know now, what do you wish you would've known entering your late 20's as it relates to personal finance, career, or personal life? The only way to live a truly fulfillinging and meaningful life to is first and foremost serve others and your community before you serve yourself. Live...
by jabberwockOG
Thu Jul 27, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Help with negotiating neighbor/yard drainage costs
Replies: 24
Views: 1573

Re: Help with negotiating neighbor/yard drainage costs

Have a couple of landscape companies come in and give you an estimate for a long term solution to the drainage issue. In most cases drainage is not as simple as it seems and requires excess water flow to be mitigated in a multi step process, maybe by creating one or swales along your property to cha...
by jabberwockOG
Thu Jul 27, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 4994

Re: BMW Z3 or Z4 or nothing at all?

Make sure you test drive lots of 2 door convertibles before you decide and also decide if you want mostly a cruiser or a serious sports car - its tough to find a car that fills both roles. Having owned a couple of small sporty convertibles in the past including a 2010 hardtop convertible miata, we n...
by jabberwockOG
Mon Jul 24, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Hypertension with time management.
Replies: 13
Views: 1261

Re: Hypertension with time management.

Based on the current pace of business and typical productivity and performance requirements for most folks with any level of responsibility, I would say it is almost impossible to avoid being chronically over scheduled. I retired early last year and within 30 days or so I was able to stop taking the...
by jabberwockOG
Mon Jul 24, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8813

Re: Is Amazon Prime worth it?

We cut the cord on cable and landline and use Amazon streaming almost every week so Prime is a good value just for the low cost entertainment content. I previously viewed free two day shipping as just gravy but given our new retirement location into a pretty small retail market it has become very va...
by jabberwockOG
Mon Jul 24, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Would you chase down this possible hit and run lead?
Replies: 31
Views: 2882

Re: Would you chase down this possible hit and run lead?

Difficult to prove what you did not see happen. In the absence of witness coming forward or video of accident there is absolutely nothing you can do except let karma take its course. If it was an old person they may have no idea they did any damage and if it was an uncaring unethical d-bag I guarant...
by jabberwockOG
Mon Jul 24, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: 0 Percent CC - how to take advantage
Replies: 24
Views: 1803

Re: 0 Percent CC - how to take advantage

There is a good business reason that many CC companies make these 0% offers. Retail consumer credit lines are not meant to be leveraged. Take advantage of CC sign up spend bonuses, regularly use points or money back cards for all spending, but strongly suggest you not play money games with 0% CC off...
by jabberwockOG
Mon Jul 24, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: 2014 Prius C
Replies: 9
Views: 717

Re: 2104 Prius C

A well cared for used Prius tends to be a very good used car value. Folks wrongly assume the complexities and battery system of this vehicle make it a poor used car, but it turns out these are extremely reliable vehicles. The biggest con on these is they are as far from sporty - ride and handling is...
by jabberwockOG
Mon Jul 24, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: After market extended warranty new vehicle - worth it?
Replies: 14
Views: 925

Re: After market extended warranty new vehicle - worth it?

Lets assume you paid 40,000 for the car to make the math simple. You then paid 2000 for the 5 year 100k mile warranty (5%). So essentially you bet that the car would have a mechanical breakdown exactly between the beginning of year 4 and the end of year 5 - exactly 24 months. And only if the car sti...
by jabberwockOG
Mon Jul 24, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7950

Re: Investing Education and Mansplaining

I think it'd be healthier as parent to go ahead and let your adult daughter know that, in fact, blowing someone off because of their race or gender is indeed wrong. Try and teach her to think critically and investigate the credentials, background and experience of the person talking before rushing ...
by jabberwockOG
Sun Jul 23, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4364

Re: How much electricity are you using and how expensive it is?

Living on the gulf coast so most of HVAC heavy use is AC. Rate is 9.8 cents. Just under 2600 sf house is well insulated, 5 ton heat pump, we are all electric except for our gas cook top. June electric bill was $89, min month is typically 70 and high about 110. Gas is $10 month due to minimum charge ...
by jabberwockOG
Sun Jul 23, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7950

Re: Investing Education and Mansplaining

Mansplaining is not when a man explains something to you. Mansplaining is when a man explains to you something you already know, quite certain in the knowledge that you must not know whatever it is that's being explained to you. I've been on Bogleheads since 2004, if someone tries to explain what c...
by jabberwockOG
Sat Jul 22, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about buying a house in South Bay Area...
Replies: 34
Views: 2949

Re: Thinking about buying a house in South Bay Area...

I can't imagine more overpriced real estate right now then bay area. Absolutely no way I'd buy into the current bubble. 1+mil for crappy little houses in a super HCOL area that would not rent for $1000 a month in most areas in the U.S. These kind of anomalous home prices are unsustainable and almost...
by jabberwockOG
Sat Jul 22, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 38
Views: 6606

Re: Chipping away at the mortgage

A true "no cost" mortgage, where principle balance stays the same, is obtained by taking a loan with a higher than par (prevailing market rate when loan is locked) interest rate. Investors are willing to pay a premium for above par loans and that premium is used to pay transaction costs an...
by jabberwockOG
Sat Jul 22, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11318

Re: What's your personal savings rate?

Saving rate has to be based on income over basic expenses. Once a person is over 60k or so per year (depending of course on your local cost of living), the savings rate can drastically increase if they have the discipline to make it happen. I always saved a portion of my income, at least 10% when fi...