Search found 809 matches

by jabberwockOG
Thu Jun 22, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 24
Views: 1938

Re: Is someone trying to steal my identity?

Someone clearly is using your identity and has access to at least some of your personal and financial info. It is possible they have your email password and that is a very serious issue. I strongly suggest you change your email password immediately on a computer you are 100% sure is "clean"...
by jabberwockOG
Tue Jun 20, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 62
Views: 3657

Re: What is your car's average cost ownership?

Doing most of my own diy basic maintenance and buying gently used aprox 3 year old cars of super reliable brands (Toyota, Honda, Lexus, Mazda) and driving them for 10-12 years keeps our costs at about $1500-2500 per year per car depending on initial cost. The Mazda compact was a 12k purchase, the Le...
by jabberwockOG
Mon Jun 19, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 94
Views: 9083

Re: Amazon Buys Whole Foods

Clearly the herd and media loves the Amazon - WF deal. I saw it as a great opportunity to pick up Costco shares (down 14 and change Friday morning). Amazon is certainly a great business with an excellent operations model and they are a significant innovator but more than a few things Bezos has tried...
by jabberwockOG
Sun Jun 18, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 1127

Re: Office Chair

I bought a HM Aeron chair about 16 years ago. Given how comfortable they are and how well they wear I'd say they are the best available value in an office chair. While working full time my chair was used a minimum of 8-9 hours a day 5 days a week for 15 years and still looked brand new. It gets less...
by jabberwockOG
Sat Jun 17, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Deck needs replaced, what should I get?
Replies: 17
Views: 1411

Re: Deck needs replaced, what should I get?

If selling in 3 years just get the cheapest replacement that will still be in good shape in 3 years.
by jabberwockOG
Sat Jun 17, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3679

Re: Best Cheap Champagne

arsenalfan wrote:+1 Lamarca. Just sweet enough...



Agree - excellent low cost alternative.
by jabberwockOG
Sat Jun 17, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Any alternatives to Tempur-Pedic for memory foam???
Replies: 12
Views: 1070

Re: Any alternatives to Tempur-Pedic for memory foam???

Lots of very good reasonable cost foam mattresses available these days. Consumer reports recently published a review of 80+ mattresses including many foam models.
by jabberwockOG
Sat Jun 17, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Car purchase Vs. car leasing
Replies: 11
Views: 1351

Re: Car purchase Vs. car leasing

For the vast majority of retail (non business) customers leasing a car is the most expensive way to own a car. When you lease you are paying for 3 distinct profit and cost centers 1) Car dealer selling car, 2) company/agent providing lease 3) lease return and resales center. I think the majority of ...
by jabberwockOG
Fri Jun 16, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help My Mother "Survive"?
Replies: 67
Views: 4530

Re: Help My Mother "Survive"?

Note that many, many seniors live on Social Security alone. I wish people wouldn't keep saying this. I worked for decades, and I pull in about $1500 a month in SS. That's barely enough for a small apartment in my rural/town area so I'd have to starve and do without medical care to live on SS alone....
by jabberwockOG
Wed Jun 14, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: The Average Mortgage?
Replies: 15
Views: 1113

Re: The Average Mortgage?

Most people in the US behave like children when it comes to finances. Most folks active on boards like bogleheads are a very different and very small segment of the general population. I have a childhood friend and his wife that have been paying mortgage on the same house since 1981 (36 years) with ...
by jabberwockOG
Wed Jun 14, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 79
Views: 4773

Re: Do You Take Your Credit Card Receipts?

We buy everything with credit cards. We take all our receipts and keep them in a box in the kitchen for a couple of months in case there are discrepancies on CC statements. Then periodically dump the box into the recycle.
by jabberwockOG
Wed Jun 14, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help My Mother "Survive"?
Replies: 67
Views: 4530

Re: Help My Mother "Survive"?

A car is a terrible idea for someone whose income earning ability does not match or exceed their monthly expenses. She needs to shed the car and its expenses immediately and start using public transportation and/or walk/bike. She may also simultaneously need to move to a less expensive location that...
by jabberwockOG
Tue Jun 13, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2248

Re: Watch Batteries

Chip wrote:Buy the batteries in bulk on Amazon and replace them yourself. Less than $1 apiece.



This - cheap and easy to do.
by jabberwockOG
Tue Jun 13, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Repair or replace dryer?
Replies: 19
Views: 1103

Re: Repair or replace dryer?

If you can get the part and repair yourself do it. If not buy a new dryer. Dryers are very simple devices and should run for 7-10 years before any repairs are required. Your current dryer is a dog but if you can easily and cheaply diy repair it every year or so it might make sense to keep it if it f...
by jabberwockOG
Tue Jun 13, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 67
Views: 5616

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

I think you're taking this a bit wrong...but maybe I am way off base. Employer is asking your salary requirements, encouraging you to fill out the application and is going to do a background check. All of those point to them having a high interest in hiring you after the first interview. If they we...
by jabberwockOG
Tue Jun 13, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 67
Views: 5616

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

Always turn it around: "My employer would prefer that I not share this information and I would like to respect those wishes. What is the compensation range for the position?" An answer similar to the one above would be your best response. The HR person should have absolutely not asked tha...
by jabberwockOG
Sun Jun 11, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: To re-paint car bumper, or wait
Replies: 12
Views: 811

Re: To re-paint car bumper, or wait

Modern bumpers are covered in plastic that is painted with primer and then same color as car body. It will not rust. Like others have posted first try rubbing/polishing the marks out with some automotive rubbing compound avail at any auto parts store. Then add a little auto touch up paint in 2-3 ver...
by jabberwockOG
Sun Jun 11, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 7813

Re: College admissions question - she got a "C"

Someone posted an excellent point about admissions becoming more selective over time. Tales of being accepted in 1980s-90s and earlier are great as general guidelines but are way out of date. Current costs, selectivity and competitiveness are a completely different animal - see stats on admittance c...
by jabberwockOG
Sun Jun 11, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: [Laser] diffusers - illegal? Too good to be true
Replies: 15
Views: 1268

Re: Radar diffusers - illegal? Too good to be true

In good weather I regularly drive 4-5mph over the limit on many regular access roads, and 8-10mph over on interstates, and have had 2 speeding tickets in 40 years of driving, fine for one was $120 and $35 for safe driving course for the second. $3500 for a laser diffuser? - even if it worked perfect...
by jabberwockOG
Sun Jun 11, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 2730

Re: Overpaid Big Time On Warranty

EWs can be a reasonable solution to buying a unreliable car. In general EWs for highly reliable brands like Honda, Toyota, Mazda, Infinity, Lexus products are not going to be a good deal for the consumer (which is why they are a huge profit center for those brands). Some models of Cadillac, Chrysler...
by jabberwockOG
Sun Jun 11, 2017 6:28 am
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 2730

Re: Overpaid Big Time On Warranty

A 72 month car loan? Seriously? ...arghhh. If the financing is zero percent, I thought it would be wise to stretch it out. It will improve your cash flow and there is no mathematical justification for paying off a 0% loan on a shorter term unless there is deflation. In the car business as in any bu...
by jabberwockOG
Sat Jun 10, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 2730

Re: Overpaid Big Time On Warranty

A 72 month car loan? Seriously? ...arghhh.
by jabberwockOG
Sat Jun 10, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 2730

Re: Overpaid Big Time On Warranty

I'm looking to go to the dealership to cancel the extended warranty in the next hour. Any tips or resistance I should expect to encounter? Buying an EW on a brand new RAV4 is just plain silly. Don't make excuses, don't waffle, don't get into debate or argument about your choice. Just keep saying &q...
by jabberwockOG
Sat Jun 10, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 7813

Re: College admissions question - she got a "C"

Non minority, non specialist background kids (non athletes/musicians/etc) getting into the top 20 schools in the US have well over a 4.0 GPA and ACT scores of 34-36. Lots of kids with super all around packages, and documented achievement, leadership, etc. and with 5.4 GPA (extra points for A+ and AP...
by jabberwockOG
Thu Jun 08, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Buying a house for the 1st time - what should I look out for?
Replies: 22
Views: 1408

Re: Buying a house for the 1st time - what should I look out for?

I forgot to mention my 3 rules of real estate in my prior post: - never buy a house on a busy street - never buy a house in a bad neighborhood - never buy a house at the bottom of a hill, as you will have flooding issues This 100% agree. Over time you can fix almost anything about a house except fo...
by jabberwockOG
Thu Jun 08, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: New Construction Buying Advice
Replies: 24
Views: 1582

Re: New Construction Buying Advice

Try to have your deposit payment held by your lawyer or your realtor in their escrow account. Handing your deposit to the builder for keeping in their escrow account can be a serious problem if the builder goes bankrupt (which happens way more often than people realize). If builder goes under mid-bu...
by jabberwockOG
Wed Jun 07, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: New Roof - Questions
Replies: 16
Views: 1667

Re: New Roof - Questions

What you are describing sounds like a scam perpetrated by a business that enlists your complicit aid in committing insurance fraud on your behalf. It is all too common in states with common claims for storm damage but no reputable company operating in an ethical manner would have this kind of "...
by jabberwockOG
Sun Jun 04, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Book - The New Retirementality
Replies: 26
Views: 3341

Re: Book - The New Retirementality

Seems like a lot of folks just don't understand the current day concept of what retirement can be like. It is not like retirement back in the 1960's. Retirement for active healthy folks does not mean the end of work. I work pretty hard a couple of days a week doing volunteer work (some of which is v...
by jabberwockOG
Thu Jun 01, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7322

Re: What Do You Pay for an Oil Change?

I always diy oil changes on our cars. Cost is apprx $30 using full syn oil with a quality filter. I do it more for fun than saving money because I enjoy doing most of the basic maint on our cars. I take my time doing oil change and also check out the various other mechanical components/systems. Adde...
by jabberwockOG
Wed May 31, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Which debt to pay off first?
Replies: 12
Views: 926

Re: Which debt to pay off first?

I agree with suggestion to increase your cash-flow. Use the entire 60k to eliminate as much of your various non-mortgage debt as possible to lower overall monthly payments and increase monthly cash flow available. Going forward max out monthly 401k contributions from every paycheck. Also aggressivel...
by jabberwockOG
Thu May 25, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: AirBNB payment policy
Replies: 14
Views: 1402

Re: AirBNB payment policy

AirBNB, Homeaway, VRBO are now all owned by same company headquartered in Austin, Texas.
by jabberwockOG
Wed May 24, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Save mobile deposit checks?
Replies: 16
Views: 1845

Re: Save mobile deposit checks?

Unless there is a huge volume of checks that would be a storage issue, I'd toss them in the file folder for that bank and maybe shred them every 12 months or so.
by jabberwockOG
Wed May 24, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance needed, at a crossroads in my current job.
Replies: 19
Views: 2158

Re: Guidance needed, at a crossroads in my current job.

Any lag or deficit in your salary and benefits are 100% your responsibility to correct. Update your resume and put out some feelers. If you are good at what you do you will soon have one or more solid in writing job offers. Then and only then, let your current manager know that you have a job offer ...
by jabberwockOG
Wed May 24, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on home purchase numbers
Replies: 6
Views: 1079

Re: Sanity check on home purchase numbers

You are age, income, and asset appropriate for this amount of home purchase. Aside from normal risk issues I'd work hard to verify that you are not overpaying or paying bubble price for a specific home. At $1 mil for a home making a mistake and buying a dog is a huge problem. Look very closely at co...
by jabberwockOG
Wed May 24, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 13559

Re: i am my own "guy," but not sure I should advertise that

I have a very few friends that can discuss topic of money and investments in a reasonable fashion. Sadly most folks we know are painfully devoid of any financial savvy. I artfully avoid any and all conversation with these folks that involves investments, retirement, taxes, money, etc. ...just too pa...
by jabberwockOG
Wed May 24, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: Advice on kid's precalc learning
Replies: 47
Views: 2804

Re: Advice on kid's precalc learning

I think the primary goal would be to understand how hard your student is willing to work and also what is the specific nature of their knowledge deficit. A math tutor is useless unless the student is highly motivated and is willing to put in a huge amount of effort and time to master the basics and ...
by jabberwockOG
Wed May 24, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Rewiring a knob and tube house
Replies: 15
Views: 1738

Re: Rewiring a knob and tube house

1. Pull a permit for a whole house rewiring job. Not having a permit and passed/inspected wiring job can come back to bite you in spades (ie. problems selling the house someday, insurance denying claim in case of fire or accident, etc.). 2. Used a certified/master electrician. Many places to save mo...
by jabberwockOG
Tue May 23, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Is it worth it spending money to keep your house looking sharp?
Replies: 54
Views: 7003

Re: Is it worth it spending money to keep your house looking sharp?

This topic's been on my mind a lot lately. I can't apply a black & white rule to all my own upkeep check list, so I spend time sorting out priorities. 1. I've wanted to replace my very old wood fence with a brick/cinderblock wall to enjoy while we live here, but the difference in cost is $10K 2...
by jabberwockOG
Tue May 23, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1770

Re: Tire Puncture - plug from outside or patch and plug from inside

It is belt and suspenders practice, but blowing out a tire due to a fatigued or failing plug at high speed on the interstate can do more than ruin your whole day. If the plug fails, the result is a leak, not a blowout. Agree not technically a blowout. Depending on the size of the reamed and then pl...
by jabberwockOG
Sat May 20, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 5296

Re: What are your priorities for retirement?

To me it was all about finding the right place to live in retirement that we could afford, with the right climate, and where we felt we were a reasonable fit in terms of local culture and politics. Priorities - 1. Live in a place where we can stay fit and healthy and play a lot - must have an afford...
by jabberwockOG
Sat May 20, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Wrist based heart rate monitors
Replies: 35
Views: 2336

Re: Wrist based heart rate monitors

I had significant pain issues (nerve related?) in my wrist and under my elbow which started approximately 3 months into daily wearing a Fitbit 2 HR. Pain has mostly stopped after no longer wearing the Fitbit (returned directly to Fitbit company for full refund). Heart and movement monitoring seemed ...
by jabberwockOG
Fri May 19, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: house issue with number of rooms
Replies: 18
Views: 1891

Re: house issue with number of rooms

Not sure what you want "fixed". Unless there is some critical and immediate benefit derived by you by contacting and engaging with a local government entity, I would not do anything at this point.
by jabberwockOG
Fri May 19, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1770

Re: Tire Puncture - plug from outside or patch and plug from inside

I carry plug kits in my cars but treat tire plug repairs as temporary repairs. If I have a flat caused by object in tread area of tire I'll plug it to get back on the road, but at first convenient time, or sometimes when I take it in for rotation if it is close enough in time, I ask the techs at Cos...
by jabberwockOG
Wed May 17, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Delay SS, but claim if market plunges
Replies: 49
Views: 4238

Re: Delay SS, but claim if market plunges

I am currently planning to delay to age 70, but I do consider that there are non-trivial political risks to doing so, especially given the SS funding challenge that is visible down the road. It's not worth going off into the weeds with political speculation, but I keep it in mind, especially the po...
by jabberwockOG
Wed May 17, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Delay SS, but claim if market plunges
Replies: 49
Views: 4238

Re: Delay SS, but claim if market plunges

I am currently planning to delay to age 70, but I do consider that there are non-trivial political risks to doing so, especially given the SS funding challenge that is visible down the road. It's not worth going off into the weeds with political speculation, but I keep it in mind, especially the po...
by jabberwockOG
Tue May 16, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 2606

Re: Help convince me it's okay (or not): new vehicle

To spend the least on cars over time drive the current car until it is no longer reliable/safe or is rusting out. For high quality Asian brand cars that is usually in the 12-16 year time-frame depending on mileage, if there is rust, and if car was garaged or not. Then instead of buying new, buy a we...
by jabberwockOG
Wed May 10, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Puzzling issue with MacBookAir
Replies: 7
Views: 934

Re: Puzzling issue with MacBookAir

Is this happening with documents from multiple sources or just one source? Is it happening to a specific document type or all types of docs? Documents from trusted publishers have valid and current (not expired) security credentials in the file's signature block that identify the doc as safe to open...
by jabberwockOG
Wed May 10, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 4655

Re: What newspaper or magazine do you pay for?

Used to get lots of stuff to read in the past. The last periodical we pay for in print form is Atlantic magazine. Dropped everything else and instead currently download most periodicals at no cost from our local library.
by jabberwockOG
Mon May 08, 2017 6:21 am
Forum: Personal Consumer Issues
Topic: Issue With Real Estate Agent (Seller)
Replies: 56
Views: 5186

Re: Issue With Real Estate Agent (Seller)

It always amazes me that folks selling houses know so little about how the real estate market works. The listing agent has almost nothing to do with selling your house once they put it in on the MLS. The buyer's agent does 99% of the work in getting your house sold including showing it and selling i...
by jabberwockOG
Sun May 07, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 1822

Re: Mazda CX3 lease... is this a good deal

Leasing a new car for 3 years for use by a brand new teen driver, hhmmm...what could go wrong?

Now that is an impressively bad plan.

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