Search found 647 matches

by squirm
Wed Feb 22, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 37
Views: 2557

Re: Utility Bills - How do ours compare?

Have solar, septic, and well. Just pay for garbage.
by squirm
Wed Feb 22, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: asphalt floor inside steel shed?
Replies: 3
Views: 264

Re: asphalt floor inside steel shed?

Good points. I'll go with concrete.
by squirm
Wed Feb 22, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: asphalt floor inside steel shed?
Replies: 3
Views: 264

asphalt floor inside steel shed?

I have a 20x30 steel shed that is used for storage, (boxes, appliances, etc). We don't use it much. Currently it's just a crushed limestone floor. I'm getting asphalt installed around the shed (it's also crushed limestone) and was thinking perhaps they should also do inside the shed. What are your t...
by squirm
Sat Feb 18, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: EPA MPG estimates then vs now
Replies: 6
Views: 475

Re: EPA MPG estimates then vs now

I wonder if the average actual freeway speeds changed, rather then using just the posted.

My friend had a CRX, that thing seemed to get excellent mileage. Probably a deathbox.
by squirm
Sat Feb 18, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: PC replacement time
Replies: 26
Views: 2187

Re: PC replacement time

You can wait a little bit and get one with and AMD Ryzen chip, more bang for the buck. I suggest to get one with an SSD.
by squirm
Sat Feb 18, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: EPA MPG estimates then vs now
Replies: 6
Views: 475

Re: EPA MPG estimates then vs now

Sorry guys, I found it. It looks like they list their updated methodology. There's a link that list the old and new. What a difference. Feel sorry for people who bought cars back then based on those old stats. Almost 10mpg difference for fwy mileage!
by squirm
Sat Feb 18, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Sears maintenance/extended service agreement?
Replies: 13
Views: 862

Re: Sears maintenance/extended service agreement?

cheese_breath wrote:That water softener could last longer than Sears does.


LOL!!
Sears sold off Craftsman, I assume Kenmore will be next on their list to liquidate.
by squirm
Sat Feb 18, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Sears maintenance/extended service agreement?
Replies: 13
Views: 862

Re: Sears maintenance/extended service agreement?

Water softners are pretty passive, I couldn't think what would break, at least on ours. No motors, electronics etc. Never had a problem with ours, I just fill it with rock salt once in while.

Can you get your money back?
by squirm
Sat Feb 18, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 56
Views: 3020

Re: Long Day Trip: Drive Old Car or Rent Car?

Rent, it will be funner and you'll have a better time. enjoy.
by squirm
Sat Feb 18, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: EPA MPG estimates then vs now
Replies: 6
Views: 475

EPA MPG estimates then vs now

So out of nostalgia I looked up the EPA MPG of a 1984 Pontiac 6000 6cyl that my family had. It rated it as 19mpg combined. My question is, is the methodology the EPA uses the same as they are using now? I *sorta* remember seeing ads for cars with the mileage fine print saying "actual freeway mi...
by squirm
Wed Feb 15, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4876

Re: Tesla Model 3 or Chevy Bolt?

Sorry for the post with little detail. My bad. About two years, his interest in ev is increasing. We're in ca. He wants to go the pure ev route and not a plugin hybrid. I still say charging stations is the biggest issue even if there are more ev choices in the near future. Look how long its taken te...
by squirm
Wed Feb 15, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4876

Tesla Model 3 or Chevy Bolt?

Neighbor is asking. 50 mile commute and will probably do some road trips. Two year time frame. I'm suggesting Model 3, because of access to Superchargers. Superchargers work, are relatively fast, are rarely iced, and in many locations unlike public chargers. That alone i think is a huge advantage, w...
by squirm
Wed Feb 15, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14435

Re: Why do you go to restaurants?

We watch house hunters. It seems most people like to live near restaurants... Really? That's the least reason why I'd want to live somewhere.
by squirm
Mon Feb 06, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Can you hear me scam
Replies: 13
Views: 1724

Can you hear me scam

Can someone please explain how this scam works? I heard about it on the news, but the explanation how the scamsters make out was terrible. Don't they need to know your credit card info if their buying something with a verbal yes?
by squirm
Tue Jan 31, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my house?
Replies: 23
Views: 2581

Re: Should I pay off my house?

Just pay it off, I had $25k left on our first house, I paid it off, felt good too.
by squirm
Tue Jan 31, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone drop out of school in 30's or 40's?
Replies: 34
Views: 3150

Re: Anyone drop out of school in 30's or 40's?

Graduated with bs in EE when I was 35. I was ALWAYS cranky and stressed out. Didn't have kids then either.
If you're not stressed everyone would be doing it.

Good for you, keep moving ahead. You'll adjust to the stress and manage it better.
by squirm
Tue Jan 31, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: American Express didn't waive annual fee, next step?
Replies: 22
Views: 2375

Re: American Express didn't waive annual fee, next step?

No luck with AE on the second try. Just called chase, they gave me $60 statement credit. Last year they gave me 10,000 points. I told them merchants always ask about the weight of the card which breaks the ice, and I recommend to the merchant person to apply as I like the card and it has a nice sign...
by squirm
Mon Jan 30, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: First time Maui vacation - where to stay?
Replies: 70
Views: 6080

Re: First time Maui vacation - where to stay?

Sounds good!
Just came from Maui myself. Will be going to kuai later this year.
by squirm
Mon Jan 30, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: American Express didn't waive annual fee, next step?
Replies: 22
Views: 2375

Re: American Express didn't waive annual fee, next step?

Tomorrow I have to work on my chase preferred cards.
by squirm
Mon Jan 30, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: American Express didn't waive annual fee, next step?
Replies: 22
Views: 2375

Re: American Express didn't waive annual fee, next step?

Hawaiian credit cards, told me the same thing last year, but this year they waived my fee. Go figure.
by squirm
Mon Jan 30, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: American Express didn't waive annual fee, next step?
Replies: 22
Views: 2375

Re: American Express didn't waive annual fee, next step?

I come out ahead using the blue cash, 6% at groceries which I use every year and 3% gas.
by squirm
Mon Jan 30, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: American Express didn't waive annual fee, next step?
Replies: 22
Views: 2375

American Express didn't waive annual fee, next step?

Tried tonight, front line rep just said they can drop me to the regular blue cash, went to supervisor, no luck either, not even a statement credit. She stated they no longer are waiving fees, don't believe that.
I plan on trying again.
Anyone have ideas?
by squirm
Wed Jan 18, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 258
Views: 22816

Re: How much is your cell phone bill?

$70/month for two lines via Cricket. We don't take phone calls serious, but will usually always have my phone with me in case family members call.
by squirm
Wed Jan 18, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Wood burning stoves - do you leave home with it burning?
Replies: 15
Views: 2434

Wood burning stoves - do you leave home with it burning?

As I was growing up we heated our house mainly with a wood burning stove. I don't recall the make of it. Nevertheless the stove threw out a lot of heat, it was a insert for the old drafty fireplace...it didn't have an ash tray though. We have a Jotul wood stove at our house and I love that stove. It...
by squirm
Tue Jan 17, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3764

Re: Basic question on Hybrid cars

If you want a hybrid, go for the Accord, Honda really nailed it.
by squirm
Sat Jan 14, 2017 12:13 am
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 42
Views: 3800

Re: Selling Car - Private Sale vs CarMax vs Dealer

In my younger days I used to sell my cars by private, but not now. I certainly don't want any weirdos coming to my house and frankly it's just not worth the hassle and risk dealing with strange people, there's enough of them at work. My preference is Carmax.
by squirm
Fri Jan 13, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9753

Re: How much do you typically spend in a restaurant?

We just came from Hawaii and wife and I are always amazed when we're eat out. One family of five next to us had each kid order their own entree and drink. The parents each had their entree and booze drink. When they were done each plate and drink was half or more full. What a waste and a waste of mo...
by squirm
Fri Jan 13, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9753

Re: How much do you typically spend in a restaurant?

My wife and I find it disgusting when we see other people gorging out on food, esp women. We always share an one entree and one salad. We'll usually just exchange plates when half way done. She'll get the rest of the salad and I get the rest of the entree. We don't drink booze either, so no ridiculo...
by squirm
Sun Dec 25, 2016 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 8793

Re: Bought a house for 560k in 2007

Anybody notice this was a 10 year interest only loan taken out in 2007. To me it looks like he will face foreclosure in 2017 if he cannot pay off the loan in a very short period of time. Should sell quickly - frankly should already have sold as he is facing a possible distress sale in about a maxim...
by squirm
Sat Dec 24, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 8793

Re: Bought a house for 560k in 2007

I believe it's still ongoing:

https://www.harp.gov/
by squirm
Sat Dec 24, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 8793

Re: Bought a house for 560k in 2007

Is this in CA? You might get a HARP on it.
by squirm
Sat Dec 24, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buying ten acre raw land, rumor has it there's human remains on it
Replies: 5
Views: 707

Re: Buying ten acre raw land, rumor has it there's human remains on it

If true, it's my understanding it was never a crime scene, then again you never know...I did find out that, that camper that I wrote about, apparently has been there for 30 years.

The neighbors are all nice and it's a nice piece of property.
by squirm
Sat Dec 24, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buying ten acre raw land, rumor has it there's human remains on it
Replies: 5
Views: 707

Buying ten acre raw land, rumor has it there's human remains on it

Going back to my previous thread regarding the ten acre lot, not only is there an abandoned trailer on it (no biggie, I decided I'll cut it up and haul it out), however one of the neighbors said that her son found a human head in a plastic bag a few years ago. I respect this neighbor, she's not a da...
by squirm
Thu Dec 22, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Getting loan to buy property, but also want to buy rental house
Replies: 6
Views: 661

Re: Getting loan to buy property, but also want to buy rental house

So it looks like we're going to be signing the purchase agreement. Most lenders are asking for at least 30 days to close for a heloc. In the meantime I can put the $60k on a margin account with a broker account I have. Anyone else have any other ideas to fill the gap? Could I use one or two 0% charg...
by squirm
Thu Dec 22, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to Drop Wells Fargo for Online Banking
Replies: 48
Views: 2739

Re: Looking to Drop Wells Fargo for Online Banking

I think I've used one non WF atm in my 30 years of having WF. Their atms are everywhere, in addition I'm finding myself using the atms less and less since everyone accepts credit cards now.

Btw, I only do credit, no debit, no way.
by squirm
Thu Dec 22, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Getting loan to buy property, but also want to buy rental house
Replies: 6
Views: 661

Re: Getting loan to buy property, but also want to buy rental house

Hello, I haven't shopped for a mortgage yet, I'm only in the early stages of considering a rental purchase. That could be a year from now, or maybe not. What I'm seeing in the area where I want to purchase a rental is prices are being cut and that was before the recent rise in rates. I'm expecting m...
by squirm
Thu Dec 22, 2016 1:31 am
Forum: Personal Finance (Not Investing)
Topic: Getting loan to buy property, but also want to buy rental house
Replies: 6
Views: 661

Getting loan to buy property, but also want to buy rental house

Sorry about the subject line, I always try and make them short and descriptive but this time didn't seem to work very well. Here's is what's going on. We're on the verge of buying some raw land near our house. We agreed on $125k. It's an all cash offer, but I'd like to take a HELOC or Home Equity lo...
by squirm
Tue Dec 20, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Grocery cart rolls into side of car, dent, scratched
Replies: 92
Views: 6732

Re: Grccery cart rolls into side of car, dent, scratched

If you're new to driving this is the cost of owning and operating a car. Dents, wrecks, and dealing with people who lie and/or run from their responsibilities is part of the privilege. It's a sad truth.
by squirm
Sun Dec 18, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: advice where to get a home equity loan
Replies: 3
Views: 349

advice where to get a home equity loan

Will be purchasing some property and don't want to use too much of our savings/investments etc...would like to take out about $50 or $75k of equity to take advantage of taxes, and use the rest out of savings and some investment. Question, where is the best place to get a line of credit? I have a mor...
by squirm
Mon Dec 12, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Taking on a 5/5 ARM in this environment?
Replies: 27
Views: 2209

Re: Taking on a 5/5 ARM in this environment?

I like fixed rates knowing exactly what I'll be paying. With the ten year at near record lows, why not fix it? I guess rates could go lower, then again so could home prices. If rates shot and the fed Is able to normalize I'm sure you'd be glad you're in a fixed. Watch fiscal policy too.
by squirm
Fri Dec 09, 2016 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: What Can One Do To Decrease Dividend Taxes?
Replies: 27
Views: 3112

Re: What Can One Do To Decrease Dividend Taxes?

This is my strategy :sharebeer Put muni bond funds in your taxable accounts and dividend-paying stocks in tax-advantaged. The OP is in California, which makes this a particularly good strategy, as CA muni bonds are exempt from CA as well as federal tax. My preferred muni strategy, if all your bonds...
by squirm
Fri Dec 09, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: What Can One Do To Decrease Dividend Taxes?
Replies: 27
Views: 3112

Re: What Can One Do To Decrease Dividend Taxes?

The problem with buying stocks that don't post dividends is in times like this you'll miss out on appreciation. I've never seen a time like this where all I ever hear about is buying divided stocks. They're like the Janus momo stocks back in the late 90's. I'd stay in them.
by squirm
Fri Dec 09, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Physician went out of network. Now I have a bill to pay. What to do
Replies: 94
Views: 6447

Re: Physician went out of network. Now I have a bill to pay. What to do

I went with the ppo route, what a pain dealing with insurance. Went back to a hmo with no deductable.
by squirm
Thu Dec 08, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 7785

Re: Current Market rally

The ol' market saying is the higher it climbs the harder it falls.
by squirm
Thu Dec 08, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 7785

Re: Current Market rally

Anyone's guess but I hear more market talk at work that's bearish. But that's a contrarian indicator! There must be more room for the bull to run. It's when everyone is bragging about their super stock picks that you need to run for cover. :D It's starting to remind me of the year 2k bubble. We'll ...
by squirm
Thu Dec 08, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: how do you comp raw land?
Replies: 18
Views: 1523

Re: how do you comp raw land?

Yes, thank you, it's in Ca, I'm worried about prescriptive easement.
by squirm
Thu Dec 08, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 7785

Re: Current Market rally

Anyone's guess but I hear more market talk at work that's bearish. All bull markets come to an end.
by squirm
Thu Dec 08, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: how do you comp raw land?
Replies: 18
Views: 1523

Re: how do you comp raw land?

I'm going to inquire a perc test, I don't think it costs much. Everyone there is on septic, so I don't expect problems. About five acres is unusable, it's steep and rough terrain, the other five is good. Here's an issue. The neighbor has some animal pins (4h) located on the land next to his with ani...
by squirm
Thu Dec 08, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: how do you comp raw land?
Replies: 18
Views: 1523

Re: how do you comp raw land?

MikeZ wrote:What due diligence have you done to make sure you can build on the land?

I've asked the county planning. It's dividable too.

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