Search found 439 matches

by snowman
Tue Feb 09, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: Repair old car or buy new? A car illiterate needs some help
Replies: 26
Views: 1094

Re: Repair old car or buy new? A car illiterate needs some help

Civic with that mileage is just getting broken in. Were it my car, I definitely would keep it, but I am DIY, I enjoy working on and maintaining my cars. Given your income, savings, and how you feel about cars, there is no question in my mind that you should just buy a new, reliable car, like a Civic...
by snowman
Wed Feb 03, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: New Car - Compact SUV or Sedan
Replies: 36
Views: 3021

Re: New Car - Compact SUV or Sedan

A Prius has narrow tires and I'm guessing worse ground clearance. Not a great option if you drive in snow much. Of the cars on your list I'd avoid the Prius - with its thin little tires it is horrible in the snow. Neither of these comments are valid. When driving in snow, you want the tires to be a...
by snowman
Mon Jan 25, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: What was the 2000 crash like in real time?
Replies: 65
Views: 5386

Re: What was the 2000 crash like in real time?

Thanks to everyone for sharing their experiences, it's been fascinating to read for me. Especially like hearing from the tech folks on their specific issues. DW and I are both mechanical engineers in oil&gas (about 5 years out of college) and the last year has been the stressful grind that a lo...
by snowman
Sun Jan 24, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Internet addiction
Replies: 15
Views: 1902

Re: Internet addiction

Yes. Spend more time outdoors, without your phone or laptop. Go hiking, skiing, fishing, whatever makes you happy. At the end of the day, when you are tired, reward yourself with some browsing.
by snowman
Sun Jan 24, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9102

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

OP, did your fiance really give online login password to both you and her father? It sure reads like this. I'd like to offer my honest opinion to you but will restrain from doing so until you clarify that first.
by snowman
Sun Jan 24, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: What was the 2000 crash like in real time?
Replies: 65
Views: 5386

Re: What was the 2000 crash like in real time?

For me, 2000 was much harder mentally than 2008. Not saying 2008 was a cakewalk, but if you worked in tech or telecom in the late 90s, you know exactly what I am talking about. Like I noted above, same for me: 2000 was much harder mentally than 2008. This was obvious to those of us employed in tech...
by snowman
Sat Jan 23, 2016 7:34 pm
Forum: Investing - Theory, News & General
Topic: What was the 2000 crash like in real time?
Replies: 65
Views: 5386

Re: What was the 2000 crash like in real time?

Ah, what a topic, and those fond memories... Great learning experience for me. I was investing for about 5-6 years prior to crash, and also worked in tech, on the finance side of the house. I saw the margins (bad), the euphoria, carefully worded press releases (to get additional funding), the crazin...
by snowman
Fri Jan 22, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Two Vehicles vs One, making the case..
Replies: 31
Views: 1522

Re: Two Vehicles vs One, making the case..

I agree with other posters - I don't think such a model exists, as there is no specific price you can put on convenience or capability. And even if there was a price, different people would price it differently. I have been having similar thoughts for a while, although our situation is different. We...
by snowman
Sat Jan 16, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Cell service visiting Canada
Replies: 18
Views: 1434

Re: Cell service visiting Canada

I personally don't have the experience (hopefully dual citizens will chime in), but will offer following suggestions. It all depends on how much she wants to pay for that once-a-year convenience. Project Fi from Google would work great (my son signed up and is happy with the service so far). The dow...
by snowman
Tue Jan 12, 2016 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1245

Re: Where to open up a low balance retirement account?

TDA - no fees, no minimums. Buy Vanguard ETFs for free.
by snowman
Tue Jan 12, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Question about my cell phone
Replies: 23
Views: 1238

Re: Question about my cell phone

A lot of stray advice here suggesting expensive phones and switching providers. If all you want is a physical keyboard phone for your current plan then you could get something like this. https://www.att.com/cellphones/att/Z432-gophone.html#sku=sku7320332 All you need to do is switch the sim card fr...
by snowman
Tue Jan 12, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Question about my cell phone
Replies: 23
Views: 1238

Re: Question about my cell phone

A lot of stray advice here suggesting expensive phones and switching providers. If all you want is a physical keyboard phone for your current plan then you could get something like this. https://www.att.com/cellphones/att/Z432-gophone.html#sku=sku7320332 All you need to do is switch the sim card fr...
by snowman
Mon Jan 11, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Inexpensive Smartphone for Cricket Wireless
Replies: 20
Views: 2216

Re: Inexpensive Smartphone for Cricket Wireless

My data needs are even lower than yours now that my consulting business is winding down, so I have been looking at the same models as you to replace my prehistoric phone and move to a cheaper monthly plan (in a $20-$25-range). Here are my observations: Moto e – my daughter has it with RW – loves it...
by snowman
Tue Dec 22, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Inexpensive Smartphone for Cricket Wireless
Replies: 20
Views: 2216

Re: Inexpensive Smartphone for Cricket Wireless

My data needs are even lower than yours now that my consulting business is winding down, so I have been looking at the same models as you to replace my prehistoric phone and move to a cheaper monthly plan (in a $20-$25-range). Here are my observations: Moto e – my daughter has it with RW – loves it!...
by snowman
Sat Dec 19, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Prius V totaled, regret New Honda CR-V
Replies: 41
Views: 4519

Re: Prius V totaled, regret New Honda CR-V

I hate to say it, but in your case I would trade in your Honda. Personally, I consider seat comfort the most important feature in a vehicle, I wouldn't even test drive the car if the seat wasn't comfortable to sit in for at least 15-20 minutes straight in the showroom. I would not replace the seat f...
by snowman
Mon Dec 14, 2015 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX having a terrible year [Vanguard Total International Stock Admiral]
Replies: 24
Views: 2963

Re: VTIAX having a terrible year [Vanguard Total International Stock Admiral]

VTIAX is down 7% this year, is something happening in the FTSE i should be aware of. It keeps tanking. I know market timing and all that. Perhaps I should buy more? Someone smarter than me said that diversification is always working, whether we like it or not. Since that's the main reason you bough...
by snowman
Mon Dec 14, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 10951

Re: Flaunt Your High-Mileage Car

How much maintenance are you guys doing on these high mileage cars and trucks? Are you taking them to the garage for fixes or just letting the small stuff break (oil leaks, dead windows, torn upholstery, broken radios, etc. ) and ignoring them? What about repairing things like leaking oil seals or ...
by snowman
Mon Dec 14, 2015 6:00 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 10951

Re: Flaunt Your High-Mileage Car

How much maintenance are you guys doing on these high mileage cars and trucks? Are you taking them to the garage for fixes or just letting the small stuff break (oil leaks, dead windows, torn upholstery, broken radios, etc. ) and ignoring them? What about repairing things like leaking oil seals or ...
by snowman
Mon Dec 14, 2015 5:37 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 10951

Re: Flaunt Your High-Mileage Car

2003 Honda Accord V6 - 201K miles;

Purchased new, I do my own maintenance - oil, brakes, fluids etc.; just put on 5th set of new tires (including OEM); replaced alternator at 150K miles, starter at 190K miles;

Hoping to get to 300K miles as there is absolutely nothing wrong with the car.
by snowman
Sun Dec 13, 2015 3:29 pm
Forum: Personal Consumer Issues
Topic: Need recommendations for 4WD/AWD vehicle
Replies: 56
Views: 3824

Re: Need recommendations for 4WD/AWD vehicle

The cheapest upgrade option would be to put winter tires on your Camry if you have not done so already. 99% of the time that's all you need. That's $500 out the door at Costco or Discount Tire. If you really want to buy an SUV, and do a fair amount of off-road driving, you may want to get a 4WD like...
by snowman
Sun Dec 13, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Where to Rent a Honda Accord
Replies: 25
Views: 2020

Re: Where to Rent a Honda Accord

OP, I was in your exact shoes 13 years ago. I test drove maybe 10-12 models, than narrowed it down to 2 - Accord and Camry. I wanted to do a short term rental, and learned that you cannot rent a Honda, as Honda does not sell to rental fleets. I read an article at that time that it's part of Honda's ...
by snowman
Sun Dec 13, 2015 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Recommend a custodian for individual HSA account
Replies: 35
Views: 4492

Re: Recommend a custodian for individual HSA account

I am one of those BHs that in the past recommended either ELCU or LMCU as the 2 best options for HSA. I personally decided to go with LMCU, and have not followed changes/developments at ELCU since, so cannot comment on that. The reason I chose LMCU was because they pay 2% interest, and there are no ...
by snowman
Thu Dec 10, 2015 10:56 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5840

Re: San Antonio vs. Morgantown, WV for 2 docs

I would caution you about the heat and especially humidity. Many northern transplants tolerate it pretty well, and adjust over time. Many other cannot take it no matter how much they try to convince themselves that life is pretty good and cheap in the South, except for that heat and humidity. The pr...
by snowman
Thu Dec 10, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: We have a major bedding issue. Yes, bedding.
Replies: 43
Views: 4369

Re: We have a major bedding issue. Yes, bedding.

My guess is that it's food related. It will take some time to identify. She will have to try many different ways to identify what exactly is causing it. I definitely recommend separate sheets and comforters, it's so much better! 71 is hot! 68 would be absolute max temperature, but even that is too w...
by snowman
Thu Dec 10, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 104
Views: 10418

Re: Single & Frugal or Coupled & (Financially) Incompatible?

I'm going to revive this thread because it's been something I've been dealing with recently personally. Some background info: I recently turned 30 (August of this year). I also have a 7-year old daughter from a previous relationship (although never married). I've been dating a girl since early 2012...
by snowman
Tue Dec 08, 2015 5:37 pm
Forum: Investing - Theory, News & General
Topic: Childrens' Student Loans Delaying Retirement
Replies: 153
Views: 10057

Re: Childrens' Student Loans Delaying Retirement

Also as a parent of 3 girls, one of whom is very status conscious I can tell you that teens do not make comparisons to the median teen in their group, they compare to the most privileged. For example: One member in the group gets the latest phone and the the parent hears: "Everyone has the iPh...
by snowman
Tue Dec 08, 2015 12:25 am
Forum: Investing - Theory, News & General
Topic: Childrens' Student Loans Delaying Retirement
Replies: 153
Views: 10057

Re: Childrens' Student Loans Delaying Retirement

snowman, thank you for sharing, that was great reading. Would you be willing to share where you live, just out of curiosity? Though I have a nagging suspicion your experience is probably typical of upper middle class suburbia in the USA. I have two girls and the scenario you painted scares the heck...
by snowman
Mon Dec 07, 2015 10:38 am
Forum: Investing - Theory, News & General
Topic: Childrens' Student Loans Delaying Retirement
Replies: 153
Views: 10057

Re: Childrens' Student Loans Delaying Retirement

Snowman, you're not suggesting that kids shouldn't pursue degrees in the humanities and social sciences, are you? I understand what you are saying about costs and benefits, but that sounds like a world I don't want to live in. Not to mention, I know quite a few stem folks. Most of them are being ma...
by snowman
Mon Dec 07, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: Childrens' Student Loans Delaying Retirement
Replies: 153
Views: 10057

Re: Childrens' Student Loans Delaying Retirement

Snowman, you're not suggesting that kids shouldn't pursue degrees in the humanities and social sciences, are you? I understand what you are saying about costs and benefits, but that sounds like a world I don't want to live in. Not to mention, I know quite a few stem folks. Most of them are being ma...
by snowman
Sun Dec 06, 2015 11:03 am
Forum: Investing - Theory, News & General
Topic: Childrens' Student Loans Delaying Retirement
Replies: 153
Views: 10057

Re: Childrens' Student Loans Delaying Retirement

Great observations snowman. Thank you, Tycoon. What I see in my neighborhood really makes my head spin! Most of these kids don’t have part time jobs, they have no earnings. Yet, somehow, they were able to convince their parents that they DESERVE a car (parents’ or their own), smartphone, designer c...
by snowman
Fri Dec 04, 2015 12:10 pm
Forum: Investing - Theory, News & General
Topic: Childrens' Student Loans Delaying Retirement
Replies: 153
Views: 10057

Re: Childrens' Student Loans Delaying Retirement

I see people like this everywhere around me, it’s an epidemic. I understand there is a tendency these days to assign blame for every problem in life - the lender, the government, bad economy, bad luck, whatever. But where is personal responsibility? This is just wrong on so many levels... When I rea...
by snowman
Thu Dec 03, 2015 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Kids and Investing
Replies: 7
Views: 625

Re: Kids and Investing

I started the program with my kids when they were about 6-7. I had 3 categories: 25% invest (money you will not see for decades, forget you even had it), 25% save, 50% spend. They got very, very small weekly allowances. I opened an account for each at TDA where I had my own IRA. There was no cost an...
by snowman
Wed Dec 02, 2015 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Jason Zweig & Future of Real Estate
Replies: 19
Views: 3368

Re: Jason Zweig & Future of Real Estate

New families are starting later, people having kids later, but it's still happening... certain biological imperatives kick in eventually and those families will have desires and features they look for in a home that won't be too much different than the past. Single family residences aren't going an...
by snowman
Tue Dec 01, 2015 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to start out with TurboTax?
Replies: 52
Views: 4572

Re: How to start out with TurboTax?

Deluxe CD is what you want.

I always buy at Costco, it's $10 less compared to online stores like Amazon or even costco.com. Not sure why that is.
by snowman
Thu Nov 26, 2015 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Elderly in-laws moving in: what to consider?
Replies: 66
Views: 9052

Re: in-laws moving in

I have seen this happen with my cousin caring for her mom, it took almost 10 years until it was finally over. Everything what other posters said is true, sadly. Eventually, she had to give up her job, she could not leave her mom unsupervised for even 5 minutes. It's been about 20 years since she pas...
by snowman
Wed Nov 25, 2015 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 207
Views: 13547

Re: Push child to avoid expensive college?

Looking on the web and it looks like a student can in theory get private loans in their own name without a cosigner up to 100% the cost of college minus their federal loans. Mentions approval depends on credit worthiness and mentions having a cosigner might make approval easier or may get you a low...
by snowman
Wed Nov 25, 2015 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 207
Views: 13547

Re: Push child to avoid expensive college?

Sometimes I struggle with parenting decisions. My oldest is considering colleges. Her grades and ACT scores are sufficient to attend better schools around the country--no IVY League, Vanderbilt or Northwesterns, but maybe Tulane or University of Florida type schools. So, she wants to be a high scho...
by snowman
Tue Nov 24, 2015 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: American Express Blue Preferred -- Which Department stores are 3%? Also, which grocery stores are included?
Replies: 5
Views: 573

Re: American Express Blue Preferred -- Which Department stores are 3%? Also, which grocery stores are included?

I don't shop at department stores, cannot help you there. However, you can purchase gift card at 6% instead.

Gas reward seems to work fine anywhere. Groceries - works at Safeway, Kroger, Vitamin Cottage; does not work at Costco, Super Walmart, or Super Target.
by snowman
Mon Nov 23, 2015 11:42 pm
Forum: Personal Consumer Issues
Topic: Need New Carpet to Sell Home
Replies: 38
Views: 2662

Re: Need New Carpet to Sell Home

It really depends on the market, so it's critical discussing it with your realtor. I am handy and have put hardwood and tile floors throughout my house, and that's what I would want to do if I were to buy a house again in the future. I would much prefer allowance over new carpets. But that's just me...
by snowman
Fri Nov 20, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Recommended Snow Tires
Replies: 42
Views: 2530

Re: Recommended Snow Tires

In most of the review I see the Bridgestone Blizzak, Michelin latitude x-ice and nokian as the best. Does anyone have any experience with a tire that they'd recommend or not? No experience with Nokian - I could never justify the price. The other 2 are probably your best options, either one will ser...
by snowman
Wed Nov 11, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Complete Car Noob- Help Making First Vehicle Purchase
Replies: 44
Views: 2251

Re: Complete Car Noob- Help Making First Vehicle Purchase

I drive the same car, and I just hit 200K miles. You don't need a new car. In fact, if you were my kid, I would encourage you to drive your current car, and put your money into EF, new car fund, and retirement savings. Sounds to me like your family is sending "it's time to start keeping up with...
by snowman
Fri Nov 06, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Family Contribution
Replies: 67
Views: 9070

Re: Expected Family Contribution

Maybe I should put some names to some of these schools. 1) University of Michigan, University of Virginia - $55K 2) Johns Hopkins, University of Pennsylvania, Duke, Cornell, CMU, etc - $60k-$65K 3) SUNY Binghmaton (in state NY school) - $24K His grades are pretty good (2250 SAT). No idea how much a...
by snowman
Fri Nov 06, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Expected Family Contribution
Replies: 67
Views: 9070

Re: Expected Family Contribution

A quick question for now. I know that the FAFSA is available to be filled out Jan 1 and I believe the CSS profile is already available. What is the recommended time frame for filling these forms out? I'm hoping with any acceptances we receive, we can also find out what, if any, financial aid we can...
by snowman
Sat Oct 31, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 113
Views: 6109

Re: Oil change - Auto shop or DIY

Your price for oil seems a bit high. My car uses full synthetic 0w-20 which I can get for about $3 a quart. Well, unless its already been posted, where is synthetic oil sold for $3 a quart? I posted earlier in this thread - Mobil 1 for $2.50/quart (5q jug at Walmart minus rebate). Mobil 1, as well ...
by snowman
Fri Oct 30, 2015 2:29 pm
Forum: Personal Consumer Issues
Topic: Car Dilemma: Replace Transmission or Buy Used Beater
Replies: 56
Views: 4200

Re: Car Dilemma: Replace Transmission or Buy Used Beater

rs899, it has a timing belt which i changed at the 7 year interval (2009) when the mileage was 80K. Now that I think of it, 2016 will be 7 years since I last did the change. :annoyed If there is nothing else wrong with the car, and you still enjoy driving it, it's the way to go in your case. You wi...
by snowman
Thu Oct 29, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Concerned about European stocks
Replies: 14
Views: 2398

Re: Concerned about European stocks

I happen to think it’s bad news for Europe, for variety of reasons. However, throughout your investing life, you will ALWAYS hear bad news from somewhere – continents, countries, sectors, commodities, etc. I think one of the hardest investment lessons to learn is to be able to disassociate yourself ...
by snowman
Thu Oct 29, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Ever have a job where your responsibilities increased after co-workers were fired?
Replies: 27
Views: 2758

Re: Ever have a job where your responsibilities increased after co-workers were fired?

Normal operating procedure. Happened millions of times before, and will continue to happen. You will need to decide, based on personal circumstances, whether to stick around or look elsewhere. Based on my experience, the positive of being in a more versatile and somewhat stable position is outweighe...
by snowman
Wed Oct 28, 2015 5:00 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 113
Views: 6109

Re: Oil change - Auto shop or DIY

Btw, this thread kinda struck me: do people really start doing their own car maintenance as a cost/benefit analysis situation? I just started doing it one day, realized it was fun, and then finally realized that over the years I was saving money. That's how I started years ago. I was making little ...
by snowman
Wed Oct 28, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 113
Views: 6109

Re: Oil change - Auto shop or DIY

I will add to the "where do you get 0W 20 for $3 a quart?" I buy oil at kmart which always has oil sales at about half what autozone costs. Even then, hitting $5 a quart is a very good buy. 0W 20 is only available as a synthetic. http://www.walmart.com/ip/Pennzoil-Platinum-Full-Synthetic-...
by snowman
Mon Oct 26, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: Car Dilemma: Replace Transmission or Buy Used Beater
Replies: 56
Views: 4200

Re: Car Dilemma: Replace Transmission or Buy Used Beater

It’s very personal, only you know what you value the most. Here is how I would approach it. I drive 2003 Accord V6, 199K miles on it. I do all maintenance myself, so it’s pretty cheap even using best materials like oil, ATF, brake rotors and pads, etc. I replaced alternator at about 150K miles, and ...

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