Search found 892 matches

by new2bogle
Sat Jun 24, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 22
Views: 1434

Re: Got rear-ended: any reason not to go through my ins?

Thank you all for the responses. The ones with personal experience (even in TX!) are helpful. I did go ahead and file with my insurance, as I figured I pay them to deal with this so that I don't have to. I will need to look into diminished value. Will I do this through my insurance company as well (...
by new2bogle
Fri Jun 23, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 22
Views: 1434

Got rear-ended: any reason not to go through my ins?

I was rear-ended yesterday, other driver got a citation/ticket, I got nothing. I believe she will try to fight it based on her comments "he cut me off without signaling". Is there any reason not to go through my insurance company? I have heard that my rates can go up if I go through my own...
by new2bogle
Thu Jun 22, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: House Closing is Tomorrow! Here are the Closing fees .... am I being ripped off?
Replies: 22
Views: 2189

Re: House Closing is Tomorrow! Here are the Closing fees .... am I being ripped off?

What I find egregious are the commissions being paid... good thing it's not by you. Otherwise, the fees do not look outrageous. They give you a $900 credit but make it up by charging you an app fee and some other fees. Lender's title is ok, I've seen a lot worse. What's the "Title exam and sear...
by new2bogle
Wed Jun 21, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4882

Re: Alternatives to Amazon

Recently we've noticed Amazon has started using an "uber-like" model for their deliveries with some scary looking individuals in their personal vehicles delivering packages to our front door without any identifiable markings, id's, signage, etc. If these allegedly "scary" folks,...
by new2bogle
Wed Jun 21, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4882

Re: Alternatives to Amazon

The very viciousness I spoke of includes the repeated suggestions that the fear is irrational. The fear is indeed irrational per OP's post. "Scary" looking people? OP did not mention people coming up with guns on their waists or knives swaying around. OP did not mention delivery drivers s...
by new2bogle
Wed Jun 21, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4882

Re: Alternatives to Amazon

Recently we've noticed Amazon has started using an "uber-like" model for their deliveries with some scary looking individuals in their personal vehicles delivering packages to our front door without any identifiable markings, id's, signage, etc. If these allegedly "scary" folks,...
by new2bogle
Mon Jun 19, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2440

Re: Need WIFI repeater or second router Advice

get a cheap secondary router ($50) and connect it via ethernet to your primary router. newer homes have cat5 cabling for telephone so you can use that port (with some basic rewiring).

thats what i did.
by new2bogle
Mon Jun 19, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 19
Views: 1491

Re: Lg refrigerator vs Samsung refrigerator.

I have a Samsung french door fridge, 5 years old. No problems, great appliance. I have an LG washer/dryer, no problems, 10 years old. I have an LG plasma tv, 9 years old, no problems. I think both companies are great as long as the product works for 30 days out of the box. Note: credit cards should ...
by new2bogle
Mon Jun 19, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 2822

Re: internet cost saving strategy

$75 after tax is what I also pay to Spectrum for 200Mbs down/20Mbps up. I think that is fair for the level I get and will not be changing as long as that price remains. I work from home often just like OP and need my VPN connection to be very fast to work efficiently (or even at all!). Man, I would...
by new2bogle
Mon Jun 19, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 2822

Re: internet cost saving strategy

$75 after tax is what I also pay to Spectrum for 200Mbs down/20Mbps up. I think that is fair for the level I get and will not be changing as long as that price remains. I work from home often just like OP and need my VPN connection to be very fast to work efficiently (or even at all!).
by new2bogle
Mon Jun 19, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: New Box Spring?
Replies: 22
Views: 1143

Re: New Box Spring?

I should go buy a used 25 year old mattress. The ones we buy only last 3-5 years before they become all lumpy, lose all edge support and cause a painful night's rest.
by new2bogle
Mon Jun 19, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: 100k Service - 2010 Camry & Corolla - All Maintenance Deferred
Replies: 17
Views: 1908

Re: 100k Service - 2010 Camry & Corolla - All Maintenance Deferred

I own a 2010 Camry and a 2010 Corolla. In the past month, both have gone over 100,000 miles. I'd like to keep both going strong for at least another 50,000 miles. Other than oil changes, all maintenance has been deferred on these two vehicles (air filters occasionally as well). I don't understand, ...
by new2bogle
Tue Jun 13, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Employee theft - How best to proceed
Replies: 26
Views: 2638

Re: Employee theft - How best to proceed

Pajamas wrote:You should talk to a lawyer familiar with the local criminal justice system about how to best proceed.


This seems like a pretty good idea. You can even talk to more than one. The first hour should be free.

I would not want to talk to any law enforcement without legal representation.
by new2bogle
Mon Jun 12, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 252
Views: 16828

Re: KF's Worst Case Retirement Plan [KlangFool's]

KlangFool wrote:aristotelian,

LOL!! I do not budget. My whole goal of "Pay Yourself First" and save 30+%of my gross income is I do not need to worry about that small money.

KlangFool


I like your style KF, which is what I do too. I learned that from my father who is a prodigious saver.
by new2bogle
Mon Jun 12, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 252
Views: 16828

Re: KF's Worst Case Retirement Plan [KlangFool's]

Just the internet and cellphone bill with couple of kids will eat sizeable chunk of that $20K budget. With kid drivers on the car insurance plan, there goes four digit outlay just for auto liability. I have not even yet added personal liability insurance to the mix. Talking about townhomes in North...
by new2bogle
Fri Jun 09, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Used Exercise Equipment
Replies: 22
Views: 1436

Re: Used Exercise Equipment

Thanks for all the great input, everyone! Wow, looks like Bogleheads generally don't like home gyms :D ! In our case, my wife and I didn't want to pay for gym memberships, and the weather would keep us from running outside. It also helps to have a training partner at home to motivate/guilt you into...
by new2bogle
Thu Jun 08, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 252
Views: 16828

Re: KF's Worst Case Retirement Plan

Do you enjoy your work or hate it? I think that is a major consideration. tc101, I am not one of those that have the choice. Due to age discrimination, I may be permanently unemployed if I lose the current one. Many of my peers in the 40s and 50s are permanently under-employed and unemployed. To an...
by new2bogle
Thu Jun 08, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 252
Views: 16828

Re: KF's Worst Case Retirement Plan

Do you enjoy your work or hate it? I think that is a major consideration. tc101, I am not one of those that have the choice. Due to age discrimination, I may be permanently unemployed if I lose the current one. Many of my peers in the 40s and 50s are permanently under-employed and unemployed. To an...
by new2bogle
Thu Jun 08, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 39
Views: 3747

Re: Mouse In Apartment

When you seal up all gaps you may not have mice in your home, but they are still in the walls! That is a creepy thought to me. I know I have rats in the attic (not sure if all were caught last year when the exterminator was patching holes in the roof). That is creepy/disgusting to me. but at least t...
by new2bogle
Thu Jun 08, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Auto engines
Replies: 20
Views: 1392

Re: Auto engines

2.4 (probably 4 cylinder?) seems like a weak engine. No direct experience though. Probably good for stop and go traffic.
by new2bogle
Thu Jun 08, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Lagavulin 16 yo vs Distiller's edition
Replies: 12
Views: 1213

Re: Lagavulin 16 yo vs Distiller's edition

e625 wrote:Maybe she could surprise you with one of each....


haha! I wish!
by new2bogle
Thu Jun 08, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Lagavulin 16 yo vs Distiller's edition
Replies: 12
Views: 1213

Re: Lagavulin 16 yo vs Distiller's edition

I am actually looking to get a bottle of Distiller's Edition as my next addition to the collection. The basic gist is that DE is the regular Lagavulin 16 with additional finishing in sherry casks. Have you had sherried scotches (Aberlour, Macallan, Glendronach, etc.) before? It basically adds some ...
by new2bogle
Wed Jun 07, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Lagavulin 16 yo vs Distiller's edition
Replies: 12
Views: 1213

Re: Lagavulin 16 yo vs Distiller's edition

This may help. https://www.reddit.com/r/Scotch/comments/3j0xr0/reviews_1314_lagavulin_16_vs_lagavulin_distillers/ What year did she see in store? I haven't had the distiller edition but lagavulin 16 is one of my favorite scotches. Laphroaig is the other. Macallan edition no.1 and no.2 are nice scot...
by new2bogle
Wed Jun 07, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Lagavulin 16 yo vs Distiller's edition
Replies: 12
Views: 1213

Lagavulin 16 yo vs Distiller's edition

My DW is getting me my favorite single malt for father's day and was going to surprise me with it, but when she went to pick it up saw that they had both the Lagavulin 16 yo and the Lagavulin distiller's edition. I really do love the Lagavulin 16 so wondering what others thought about the distiller'...
by new2bogle
Wed Jun 07, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Tip Toeing through Summertime 0% auto financing...
Replies: 14
Views: 1392

Re: Tip Toeing through Summertime 0% auto financing...

Whether you can negotiate further will depend on the dealer and your negotiating skills. I hope I'm not derailing the topic here, but have you guys noticed how dealers do not negotiate too much these days? It seems like they know someone else will come in and go into debt they most likely should no...
by new2bogle
Wed Jun 07, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 6867

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

Can we please just stop using the term "push gift"? It's cringe-worthy. That's what inspired the aggressive responses. If you want to give her a gift, fine. But that term, push gift, is all the rage these days. I very aggressively did NOT get my wife a push gift as the term is just stupid...
by new2bogle
Mon Jun 05, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance strategy
Replies: 1
Views: 192

Life insurance strategy

I am the majority breadwinner for our family so I have term life insurance for myself. Recently my insurance agent told me about a new product that has living benefits (I did make a separate thread about that but this thread is different) which if I take it will require me to start over (health exam...
by new2bogle
Fri Jun 02, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Term Life insurance with living benefits
Replies: 2
Views: 230

Term Life insurance with living benefits

I got a 30 year term life insurance policy about 3 years ago. A couple of weeks ago, my insurance agent calls me up and says there is a new product out that is term life insurance with a living benefits clause. what that means according to the brochure he sent is that I would be able to get some por...
by new2bogle
Thu Jun 01, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2287

Re: Changing Car Cabin Air Filter - after how much time

I change it myself every 4 to 5 years. The cabin air filter is < $10 for my camry on Amazon. It takes more time to order the filter and watch the YouTube video on how to change than actually changing it. Very simple. I also have an Odyssey and Camry.
by new2bogle
Thu Jun 01, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Renting correct size car
Replies: 33
Views: 2670

Re: Renting correct size car

Update - wanted to report back. I reserved the "Intermediate SUV" which was a Ford Escape or similar and I ended up getting a Nissan Rogue. With my DW's over packing (does each kid really need a new kid sized carry on that is pretty much empty? all my kids are 6 and younger), the cargo spa...
by new2bogle
Fri May 19, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my ESPP
Replies: 19
Views: 1404

Re: Thoughts on my ESPP

I buy into my company's ESPP only because I can sell as soon as I get the stock (i.e., next business day since ESPP stocks are released after market close).

I'd be hesitant if I had to hold on to any stock for 6 months.
by new2bogle
Fri May 19, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1772

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

Nate79 wrote:
Cosmo wrote:Just take to Goodyear Tire and they will plug for free.


Discount Tire/America's Tire will also fix for free.


This is also for tires not purchased from them?
by new2bogle
Fri May 19, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3176

Re: What are the powers of HR in a company?

Always remember that HR are not on your side. Never interact with them unless it is required. They are not your friend. This. Also, to OP's original question, it is entirely company dependent. One of the places I worked at, the hiring manager decided everything, including title, the base salary and...
by new2bogle
Fri May 19, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 37
Views: 5597

Re: Opticians: is there any difference in quality of Costco glasses?

I get mine from online sources - usually ~$10 per pair shipped! But I don't need bifocals (yet!). Excellent quality.
by new2bogle
Thu May 18, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: should I tip repairman for TV?
Replies: 27
Views: 1714

Re: should I tip repairman for TV?

No - tipping is only for waiters/waitresses. Everyone else gets paid at least minimum wage.
by new2bogle
Thu May 18, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend
Replies: 27
Views: 2599

Re: Learning how to spend

(I am a federal retiree. Because active workers' salaries are generally known to their co-workers, it makes for an interesting dynamic in the workplace. People with similar salaries live very different lives.) It sure does! My dad works at a state univ. One of his colleagues (also a full prof, simi...
by new2bogle
Thu May 18, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Solid salt in water softener
Replies: 14
Views: 1508

Re: Solid salt in water softener

Thanks all, been away, haven't had a chance to check back on this. Still wondering whether this is an easy DIY, or I need to call the water softener company or a plumber. Small Law Survivor Been there done that. It is a DIY project but requires some elbow grease to carefully break the salt block.
by new2bogle
Thu May 18, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1772

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

Sears did a patch and plug for me once, which was covered under their tire warranty. The tire had no issues whatsoever for 10's of thousands of miles.
by new2bogle
Thu May 18, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Life's big ticket items to save for
Replies: 37
Views: 3010

Re: Life's big ticket items to save for

I'm with stoptothink. The best thing you can do is live below your means and save save save. Max out 401k/roth/ira/hsa in some order. Save some for your emergency fund (6 months gross pay is always good). Childcare is expensive and feeding the buggers is expensive (they sure do eat a lot). Don't dre...
by new2bogle
Thu May 18, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12939

Re: For those with $500k-$1m in investments...

20% in a taxable account. We max out all available tax-advantage spaces that we can get.

I add to my taxable account all the time because there is nowhere else the money can go. I'll probably setup a 529 soon though.
by new2bogle
Thu May 18, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Annual house maintenance costs
Replies: 30
Views: 2624

Re: Annual house maintenance costs

Very little necessary repairs:12 year old house, previous owner replaced roof after a hailstorm so the roof is only about 5 years old. Last year I spent ~$400 patching up entry points in the roof where animals were getting in (included patching all access points plus traps in the attic for 3 weeks, ...
by new2bogle
Wed May 17, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 7184

Re: Anyone else agree with my logic on silicon valley housing?

Austin must be the most overrated city to live in the country!! It is a nice place to live. However, everyone thinks it's one of the great places to live in this country. It's not! There's no ocean. There's no mountains. No saltwater beaches. No skiing. The weather is very hot. No "trees"...
by new2bogle
Tue May 16, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is it legal to use a first mortgage for an investment property?
Replies: 40
Views: 2277

Re: Is it legal to use a first mortgage for an investment property?

mak1277 wrote:Not to be a jerk but...what business is it of yours?


Exactly!
by new2bogle
Tue May 16, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: I don't understand ESPPs
Replies: 2
Views: 262

Re: I don't understand ESPPs

ESPP is a great benefit. In my company I purchase over a 6 month period and for each period can purchase at most something like $10k worth of stock. At the end of the six month period, after market close, those shares are purchased for me a the market close price on that day (or the market close pri...
by new2bogle
Tue May 16, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 3525

Re: How much to tip movers?

I'm with the little to no tip folks. No one forced them to get this job and this job should (legally) pay at least minimum wage. I tip waiters because they get paid less than minimum wage. I do provide them with drinks though, that's just being nice.
by new2bogle
Wed May 10, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Renting correct size car
Replies: 33
Views: 2670

Re: Renting correct size car

Thanks for the tips, all. Off of Budget.com I can get a Ford Escape pretty cheap ($276). Based on a google image search of the ford escape cargo space it looks like it should be suitable for my needs (two pieces of the largest allowable suitcases on an airplane and two smaller pieces plus a backpack...
by new2bogle
Tue May 09, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Renting correct size car
Replies: 33
Views: 2670

Re: Renting correct size car

We'll be going on vacation at the end of this month and will need to rent a car. Two adults, 3 children with two of the children in booster seats with the back Rental is for a week and we will be driving approx 150 miles each way on a road trip and then in town for a few days. I'm curious why you d...
by new2bogle
Tue May 09, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Renting correct size car
Replies: 33
Views: 2670

Re: Renting correct size car

There is a chrysler 300, but it's more than the Jeep!

ETA:

I see Costco has an "Intermediate SUV" which I think is a Ford Escape (or similar) for about the same price as my Hertz corporate rate, but without the additional LDW. So I would need to add $120 for LDW.

How is the Ford Escape?
by new2bogle
Tue May 09, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Renting correct size car
Replies: 33
Views: 2670

Renting correct size car

We'll be going on vacation at the end of this month and will need to rent a car. Two adults, 3 children with two of the children in booster seats with the back ( this one ). The oldest child can sit in the middle back seat with just a seatbelt. Rental is for a week and we will be driving approx 150 ...

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