Search found 812 matches

by sls239
Thu Jul 21, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6858

Re: HOA Swimming Pool Trespassing Issue

Are there any police officers that live in the community?
by sls239
Tue Jul 19, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement for Women(?)
Replies: 34
Views: 3175

Re: Retirement for Women(?)

The reason they assigned gender to the message is because absent assignment, the message would be seen as geared towards men because men are the default, especially when it comes to finance.
by sls239
Sat Jul 16, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: 0 - 0.99% APR on auto... would you finance?
Replies: 12
Views: 1262

Re: 0 - 0.99% APR on auto... would you finance?

Lots of places offer 0% financing. Then tack on a fixed dollar "financing fee" or other type of fees.

If you can negotiate those down to zero as well, more power to you.
by sls239
Sat Jul 16, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 2992

Re: Hatchback to match Camry on price/comfort/reliability?

No, there's really not unfortunately.
by sls239
Fri Jul 15, 2016 5:30 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3177

Re: Raising a reader

I would read to him out of whatever book I was reading. It doesn't matter that he couldn't understand it, they get to hear the sounds and the pattern of the language. I also picked children's books that I liked to read to little one. I think kids can tell when you are just going through the motions....
by sls239
Thu Jul 14, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Car Buying Dilemma
Replies: 53
Views: 4377

Re: Car Buying Dilemma

Highway miles are actually easier on a car than in-town stop and go miles are. I wouldn't assume you'd need a new car real soon.

There's nothing wrong with looking, but there is absolutely no reason to narrow your options at this point down to just two.
by sls239
Thu Jul 14, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 64
Views: 5060

Re: Cutting Cable Cord Only to Strengthen Internet Cord

You know that Netflix still has DVD plans right?
by sls239
Thu Jul 14, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: taking back a mortgage
Replies: 27
Views: 2601

Re: taking back a mortgage

Wait, what? I understand wanting to help someone, but you haven't even said if you would otherwise sell the house at all or how that affects your financial plans. And, I would suggest just as important - Have you considered the possibility that just because he wants to buy the house doesn't mean tha...
by sls239
Thu Jul 14, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: 24 year old new driver - Debating getting or not getting collision auto insurance
Replies: 15
Views: 1058

Re: 24 year old new driver - Debating getting or not getting collision auto insurance

So $91 / month plus $1500 deductible is $2592. So you could buy a car for that amount and not be taking any additional risk at all. So I'd start there. Then consider how much of your money you are willing to risk in order to drive a nicer car. Also, make sure to budget in things like tires and oil c...
by sls239
Thu Jul 14, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for college vs maxing out retirement accts
Replies: 24
Views: 1785

Re: Saving for college vs maxing out retirement accts

You want to make sure you are saving adequately for your retirement before saving for college. And that varies based on individual situation. Sometimes the answer to the question of where to put college savings is in a retirement account. Part of that is because retirement is a long term goal, and b...
by sls239
Fri Jul 08, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: Home inspection items for repair
Replies: 32
Views: 1797

Re: Home inspection items for repair

The inspector is a generalist. What you need now that problems have been found are specialists. In particular, you need the entire HVAC inspected.
by sls239
Wed Jul 06, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)
Replies: 55
Views: 2959

Re: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)

Pay attention to water. The area is in a wet period now, but when the drought comes (and it will) water can be a huge issue in the hill country. Wells - even wells for entire neighborhoods - go dry. Trucked in water is really expensive, as is completely changing your landscaping. I think if I didn't...
by sls239
Mon Jul 04, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Hedging against home value decrease
Replies: 25
Views: 1786

Re: Hedging against home value decrease

It isn't exactly a hedge, but I think your best bet is sticking to the minimum house that meets your needs, preferably a cheaper house in a nicer neighborhood. Then you have choices - if the market goes down you could upgrade to another house at a discount, if the market goes up you can improve the ...
by sls239
Wed Jun 29, 2016 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage immediately? Or keep plugging along?
Replies: 57
Views: 4172

Re: Pay off mortgage immediately? Or keep plugging along?

Did you say there was the possibility of a small 2nd income? Would that come with access to a 401k? Would it be 18K / year? Because if that happened, you could funnel an extra 18K into tax-deferred from your current cash savings while still using the extra money earned for other goals like college s...
by sls239
Wed Jun 29, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: How best to take little kids sightseeing?
Replies: 37
Views: 2326

Re: How best to take little kids sightseeing?

I think chasing pigeons and climbing trees is a version of sight seeing. If you want to squeeze in more formal sights than the children can handle, I suggest tag teaming. One parent stays with the kids, the other hits up a sight or pops out for a bit of nightlife. You can also tag team for lines. On...
by sls239
Wed Jun 29, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: For those that "buy" during stock market downturns...
Replies: 158
Views: 10189

Re: For those that "buy" during stock market downturns...

I've only done it twice - 2002 and 2009 and it was mainly the second one both times. But another option is that you've saved money intending to do something else with it, and decide to invest it in the market instead.
by sls239
Fri May 20, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: I got a home loan from Wells Fargo ; should I shop around?
Replies: 20
Views: 1580

Re: I got a home loan from Wells Fargo ; should I shop around?

You can have multiple inquiries for the same purpose within a 30 day period and it all counts as 1. But yeah, I think it is a little late for an early June closing, unless you have a local bank that can get it done quick. You do need to tell them you are planing a 20% down-payment. That might change...
by sls239
Fri May 20, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Hail damage on roof; what to do with Insurance Providers' $9,950 check
Replies: 51
Views: 4075

Re: Hail damage on roof; what to do with Insurance Providers' $9,950 check

I think if the roof is already 16 years old, go ahead and get it replaced.

Ours is only 7 years old, so I'm torn. I'll probably try and do what pp said - wait as long as I can to still get the full replacement cost.
by sls239
Mon May 16, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 22635

Re: Rich But Middle Class

Honestly, I have no way of knowing it OP's plan is a good one or not. It sounds to me like if the next couple years are good, then they can build up their assets and be fine. If things don't go as well, it may take 10 years to get into that same position. And if things go poorly, their expenses coul...
by sls239
Sat May 14, 2016 6:03 pm
Forum: Personal Consumer Issues
Topic: National Universities rankings 25 to 75 - Highest priority
Replies: 65
Views: 4535

Re: National Universities rankings 25 to 75 - Highest priority

Since when are there 5 core subjects? I can guess math, science, social studies, and language arts, but what's the 5th? A foreign language? I'm not sure that matters as much. I would say that taking advanced classes in the 4 subject areas is a given if you want to get into a top 75 university. But t...
by sls239
Wed May 11, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Costco Car Rental-Any Experience
Replies: 25
Views: 3021

Re: Costco Car Rental-Any Experience

In the past I've bought a Costco membership pretty much just to get the discount on a single car rental. Unless things have changed, you can stack a coupon on top of the discount rate.
by sls239
Wed May 11, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Used car vs. new
Replies: 23
Views: 3538

Re: Used car vs. new

I doubt I would buy the 2013 version of any of those cars today at the price you listed.

I'd either go for the 2014 version Corolla or Mazda 3 which are significantly updated or a new Civic. Unless you just luck into a used 2016 Civic. I suppose there are some somewhere for some reason.
by sls239
Wed May 11, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 138
Views: 12202

Re: Evicting a tenant-Hire lawyer?

You definitely need to talk to a lawyer. I think it is possible that the laws may be different if you haven't received any money. So if she tries to pay now, don't accept it, talk to your lawyer first.
by sls239
Wed May 11, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Tenant stops paying rent and refuses to show the house for prospective buyers
Replies: 43
Views: 8412

Re: Tenant stops paying rent and refuses to show the house for prospective buyers

Write up an offer that involves them moving out by the end of the month and make it an offer that is hard to refuse. Otherwise, you could find yourself trying to extract blood from a turnip. Keep your eye on the important goal - protecting the value of your asset and selling it with a minimum of exp...
by sls239
Mon May 09, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 6828

Re: Gifted math program for 1st grade

Ask what they will miss during the pullout and how that will be handled. Ask if the math work done in the program replaces the regular math work or is in addition to the regular math work. And ask if homework and other expectations are significantly different beyond just the level of the work. I do ...
by sls239
Mon May 09, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10753

Re: Is buying organic really that expensive?

But the real difference is that with a GMO, somebody owns the genetic code of the organism and for any given GMO every single organism is identical and belongs to the owner of that genetic code. How is that different from any other patent where the owner of the patent doesn't allow anyone to reprod...
by sls239
Mon May 09, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10753

Re: Is buying organic really that expensive?

There are two reasons one might buy organic. One is if you think the food is better. The other is to vote with your dollars. Consumer movements have been successful in the past - rBGH is the best example of this. The increased availability of organic milk allowed those who could afford it a choice. ...
by sls239
Thu May 05, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Your age in bonds minus ten? Not according to Vanguard
Replies: 93
Views: 8536

Re: Your age in bonds minus ten? Not according to Vanguard

I can think of a couple reasons that have nothing to do with theory: 1) They looked at their average shareholder and found that on average they were significantly behind and would need to take more risk to reach their goal. 2) They may believe that the set-up works better if people who want to be mo...
by sls239
Tue May 03, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 22683

Re: I bought the wrong car - know it after 15 days

Is it possible that you haven't adjusted the seat and/or steering wheel in your car properly?
by sls239
Fri Apr 29, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Local Major Bank Recommendations
Replies: 16
Views: 1139

Re: Local Major Bank Recommendations

One thing I like about Chase is that they make external transfers very easy. I could even set up my son's custodial savings account at Chase to get transfers online from his custodial savings account at another bank. There was a phone call involved - but they called me.
by sls239
Fri Apr 29, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 6373

Re: Buying a New Car...Is it Unwise?

The 2016 Accord meets my criteria for a vehicle that makes sense to purchase new. It isn't a full redesign, but it is a "refresh" and it has two options not available on 2015 models - Android Auto / Apple Carplay compatibility and the sensing package. That said, everything you said about y...
by sls239
Thu Apr 28, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 10185

Re: Are females just not interested in investing in general or is it just the women that I date?

Just because someone wants to spend a few extra bucks on HD doesn't mean they are likely to go out and blow an extra $10K on a car. So either you are reading way too much into some small decisions, or there is meaningful information missing from your explanation. While nearly everyone emotionally be...
by sls239
Wed Apr 27, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12847

Re: I Hate My Job: Politics at Work (Advice Needed)

I find that the best antidote to unprofessional behavior in others is to increase the professionalism of my behavior. I'm not a big career person, but this has been beneficial in a wide array of situations. If you are worried about people taking credit for your work and ideas, why not take a little ...
by sls239
Sun Apr 24, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage instead of buying bonds
Replies: 33
Views: 3337

Re: Paying off mortgage instead of buying bonds

If all you do is pay down your mortgage, where does that leave you when you decide you want to upgrade your housing in 10 years? Being only 30, I strongly suggest you consider doing both - keeping bonds in your portfolio and paying down your mortgage. That keeps it clear which money is for retiremen...
by sls239
Sat Apr 23, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 10955

Re: Any stay at home parents regret the decision?

I would totally work 10 hours a week. In fact, I picked up a job when DS entered kindergarten that was advertised as part-time temporary. But the first week they wanted over 40 hours, and it went up to 55 before I gave notice. And please don't assume anything about SAHP with help. I have a friend wh...
by sls239
Fri Apr 22, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: Quick, healthy dinner resources and tips
Replies: 15
Views: 1533

Re: Quick, healthy dinner resources and tips

Teach the kids to help. They can wash, shuck, peel, etc. Grow some herbs so that they are on hand. Options for adding vegetables to a meal quickly: 1) Use frozen - like corn or peas 2) Add quick cooking vegetables - like zucchini - to a pan sauce 3) Roast 1" pieces of slower cooking vegetables ...
by sls239
Wed Apr 20, 2016 9:37 pm
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 10955

Re: Any stay at home parents regret the decision?

Yes and no. Honestly, I think I should have gone back to work for the first two or three years (or perhaps waited an extra 2 or 3 years before having a child.) I say this because I think babys' needs are pretty simple and I think those extra years would have solidified my just-getting-started career...
by sls239
Mon Apr 18, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 23826

Re: Soapbox (car safety features)

When it matters-when you are making a lane change-can you turn your head and look? If you can do this-why should such a feature be mandatory? Actually you don't always have time. Just the other day in town a semi started coming over into my lane. My escape route was the center lane but because ther...
by sls239
Sun Apr 17, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Now i get it - mortgage payoff
Replies: 35
Views: 5582

Re: Now i get it - mortgage payoff

If something had happened to your income, do you think the government would be paying your mortgage?
by sls239
Sun Apr 17, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 11770

Re: mortgage pre payment, why?

90% of people aren't like you. They don't live in CA, they aren't paying $4K / month. Most people don't even itemize on their taxes so they aren't getting their mortgage interest subsidized by the government. And they don't live in the same house for 30 years, so they aren't getting the inflation he...
by sls239
Sat Apr 16, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 240
Views: 23826

Re: Soapbox (car safety features)

My 2013 Mazda 3 has blind spot detection. And it definitely can do something I cannot. I cannot stare unblinkingly at my blind spot while driving down the road. It can. Sure I can check my blind spot, but checking is not the same constantly looking. And for anyone interested, the lane departure and ...
by sls239
Thu Apr 14, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 5035

Re: My neighborhood is too quiet (and no kids)

Well the area is unincorporated and the taxes are low so it attracts those who are not looking for public amenities. And don't count on it turning over anytime soon if the residents are more in their 60s and not their 80s. We just moved last November and I bought a house basically in a kid-oriented ...
by sls239
Thu Apr 14, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: grateful for any input on a major, urgent real estate decision
Replies: 75
Views: 5735

Re: grateful for any input on a major, urgent real estate decision

The only negative you mention about the house is the size. And you know this house, as you've been living in it. Quite frankly, if you like where the house is located, the quality of the build and everything else, it is probably worth stretching a bit. The thing with being a renter - especially a re...
by sls239
Tue Apr 12, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 8552

Re: Chase Freedom Unlimited card 1.5% back + bonus

One complicating factor is that paying with points seems to provide certain modest benefits over paying with money. For example with Southwest, should you cancel the points go right back in your account with no time limit for using them (with cash you have 12 months to use the credit from a refund)...
by sls239
Mon Mar 21, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Importance of parental involvement in education.
Replies: 31
Views: 2651

Re: Importance of parental involvement in education.

There is a practical aspect you need to consider. If you do not outright homeschool, the student will be in school for most of the day. If there are significant deficiencies at the school, it is very difficult to make up for them in the few hours they have left. So it is very important to discover i...
by sls239
Wed Mar 16, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Finance Help
Replies: 30
Views: 2305

Re: Mortgage/Finance Help

I don't think you should go into this thinking that it is just until they are in school.

Some parents decide that being there for their middle school aged child, when their needs are more complex, is even more important than being there to change the diapers.
by sls239
Tue Mar 15, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: Should I have my kids participate in school fundraisers?
Replies: 78
Views: 5639

Re: Should I have my kids participate in school fundraisers?

I think a direct donation is a good idea. But also realize that if they are relying on those types of fundraisers, it is probably due to a lack of manpower. So volunteering can help the PTO be able to move away from that and toward more profitable ones. I know schools that have had auctions in which...

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