Search found 351 matches

by ssquared87
Mon Dec 11, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2235

Re: What MPG App Do You Use To Track Fuel Usage ?

As previously mentioned, bad MPG can indicate a problem w/ the car. As an example - I can't remember the proper term, but there is a device that analyzes the contents of engine exhaust. This device had burned out on a car I once owned. I replaced that sensor and my MPG went from 20 to 26 overnight....
by ssquared87
Mon Dec 11, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 109
Views: 3745

Re: Snow Tires? Worth it?

Random question for the group. I currently have 4 wheel drive Honda CRV with all NO season tires. However, we just moved to a cold weather location with longer winters and I have a longer commute now than before. My questions: -Does anyone recommend snow tires, even if a 4 wheel drive care? I have ...
by ssquared87
Mon Dec 11, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2235

Re: What MPG App Do You Use To Track Fuel Usage ?

None. Why would I waste my time tracking something that I have very little ability to change? The data is noise and not actionable. If I drive with a lighter foot and get an extra 2mpg, I'm going to save $100 a year? Do I need to track every tank of gas in order to know that my driving style impacts...
by ssquared87
Sun Dec 10, 2017 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10481

Re: Save all this money, what do you splurge on?

Lexus vehicles. I hate road noise. Absolutely hate it. Camera gear. Not that I am particularly talented or use it a lot given work, but I like having a nice camera. Tommy Bahama shirts. They run large and are so comfortable. Baseball tickets - lower deck by first base is my favorite location to vie...
by ssquared87
Sat Dec 09, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Best vehicle for seniors?
Replies: 73
Views: 6002

Re: Best vehicle for seniors?

I hate SUVs. They're boring to drive and a waste of gas/tires/brakes etc, so I understand your feeling that the element is probably too big for her. But...ease of getting into and out of a vehicle is huge, especially for older folks or people with physical limitations. I have a back injury and have ...
by ssquared87
Sat Dec 09, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10481

Re: Save all this money, what do you splurge on?

Cars But my splurge is cheap relative to others. My weekend car is a 20 year old M3 that I bought for less than $10k and have spent very little to maintain. Gas is probably my biggest expense as I like to wring every bit of power out of the engine and redline it every chance I get Just got back from...
by ssquared87
Thu Dec 07, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6388

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

A few posters mentioned big data/analytics. I think an area which would relate to that and apply to your experience would be cloud architecture. Getting comfortable with the Amazon stack and getting the AWS Solution Architect certification probably would not be too hard for someone with your experie...
by ssquared87
Wed Nov 29, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5470

Re: When to tell the SO about my financial situation?

Ask her directly why she is going through your financial statements. Gauge her response. She's either trying to make sure you're not up to your eyeballs in debt, in which case she really cares and sees a future with you, or she is a gold digger and she's trying to decide if she's wasting her time. A...
by ssquared87
Tue Nov 28, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5082

Re: Safest roomy luxury suv?

We’ve been driving a 2003 Toyota Camry for a long time, but are ready to upgrade to a new car. We’ve already decided we will buy new. And we want a roomy SUV. And we’d like it to be as safe as possible. We’re considering things in the range of BMW X5, Porsche Cayenne, etc. Why do you need the added...
by ssquared87
Wed Nov 15, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3892

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

I spent quite a bit of time out in Hartford working with a client. Make sure you like the place. The countryside in CT is scenic, but Hartford is an extremely small city. Go one block in the wrong direction and you need to worry about being shot or mugged. Aside from that, dining options are fairly ...
by ssquared87
Wed Nov 15, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 37
Views: 2216

Re: Office Chair Recommendations (Aeron?)

I've had Aeron and Humanscale Freedom at the places I've worked. I can't remember the Humanscale enough to compare it to the aeron, but I remember it being comfortable. I've been using Aeron for the last 3 years or so and love it. There could be better options, but I haven't really experimented much...
by ssquared87
Mon Nov 13, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 40
Views: 3733

Re: Upgrading a flight - what are your rules?

Generally anything over 3 hours I try to get some extra space. If it's over 6 hours, then business class or whatever option provides lie flat seats. Even up to 6 hours regular seats could be fine for me unless the flight is packed or the airline has abnormally small economy seats. I'm at the point w...
by ssquared87
Mon Nov 13, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6935

Re: Tipping in living wage state. Redux.

If I were dining in a living wage area, I would not tip by default. If the service was above and beyond, I'd leave a tip depending on how much better than average the service is in my view. But for just average service in a living wage area, $0 is sufficient as far as I'm concerned. There are many w...
by ssquared87
Fri Nov 10, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest my settlement
Replies: 16
Views: 1667

Re: How to invest my settlement

Everyone's priorities are different but I am in a similar situation. I am expecting a settlement as the results of a car accident but I am lucky enough that I can continue working and don't have trouble living below my means on my existing salary Once I get the settlement, I'm just going to throw it...
by ssquared87
Mon Nov 06, 2017 11:39 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2203

Re: Climate controlled cars - Useful or Useless?

After 15+ years of driving a car with manual temperature control, I bought a 2-zone climate controlled car. To be honest, I find the system very annoying to use . It is too complicated for what it is trying to achieve . It operates like a black box so I have no idea what it is really doing. For exa...
by ssquared87
Mon Nov 06, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2203

Re: Climate controlled cars - Useful or Useless?

Growing up all of my parents cars had auto climate control, except for 1. All 3 of my cars, model years ranging from 1998 to 2017 have auto climate control. They all worked fine. The cars with auto I just select the temp I like and forget it. The car that had manual controls I adjusted to my liking ...
by ssquared87
Sun Oct 29, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Breaking point to get a new to newish car
Replies: 59
Views: 3487

Re: Breaking point to get a new to newish car

The 335 of that year had many teething problems as BMW was just ramping up their game with turbos. If you can live without the power, get rid of the 335, get a 2010/2011 328 (which doesn't have the turbo). It will probably be about an even trade in value. You know the car, it will handle the same wa...
by ssquared87
Sun Oct 29, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Looking for good used car
Replies: 10
Views: 529

Re: Looking for good used car

My dad had a 1995 maxima purchased in 1994.

As you said, the body deteriorates faster than the mechanicals in those cars. I drove it for a few years and i can't count how many body parts were tied or taped back on but it ran well.
by ssquared87
Tue Oct 24, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: New TV, what's important?
Replies: 42
Views: 3030

Re: New TV, what's important?

Lot of people are recommending the Bose sound bar. The Bose is pretty good, but even a fairly low/moderately priced vizio sound bar is far better than the speakers that come on the tv. Definitely recommend going with a sound bar. Adjust your budget depending on how picky you are, but I dont think yo...
by ssquared87
Tue Oct 24, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: New TV, what's important?
Replies: 42
Views: 3030

Re: New TV, what's important?

Why are you planning to replace your TV? What is your current TV lacking that you wish to gain buy purchasing a new one? I would wait for OLED tvs to come down in price...shouldn't be more than a year or two. Most plasma tvs have far better picture quality than even the best LED tvs out there. LED t...
by ssquared87
Sun Oct 22, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5365

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

I haven't actually tracked my Porsche or any of my other cars (like my Viper that I used to have) for the reason that it is expensive to maintain a Porsche, we all know that, but I can afford it. But, when you track a car, there is a lot of wear/tear that gets put on the car and that will just caus...
by ssquared87
Wed Oct 18, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11074

Re: anyone else not liking the new cars?

I just don't see the vast majority of apartment/condo/renter dwellers with the ability to convert to electric. Landlords and leasing companies have no interest in installing/maintaining an electric power supply in their parking lots and garages. This will be a considerable hurdle to the adoption of...
by ssquared87
Tue Oct 17, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7745

Re: How many miles/years do you keep your car?

My strategy is to keep the car until dealing with maintenance takes too much time away from work or fun. I know thats vague but I expect to do diff fluid changes, oil changes, brake pads etc. If the car starts having issues beyond that more than a few times a year and it takes away from my life, tha...
by ssquared87
Tue Oct 17, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Anyone who started a business what made you comfortable enough to take the chance?
Replies: 25
Views: 2177

Re: Anyone who started a business what made you comfortable enough to take the chance?

I was curious to learn from any business owners out there what experience/education/training you had that made you comfortable enough to start your own business? Not an owner yet but planning on going out on my own. There are a few things that will make me feel confident enough to do so 1. Technica...
by ssquared87
Tue Oct 17, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 5745

Re: 2018 Honda Accord

....... In general, it's hard to find cars under $40K with really good seats... Why? (This is a serious question. I really don't know.) Cost, I would guess. Good seats aren't cheap, and manufacturers can't install expensive seats on cars at that price level. You start getting the really good seats ...
by ssquared87
Mon Sep 25, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 92
Views: 5450

Re: Do you subscribe to digital newspapers?

A lot of news are stale by the time paper is at the door. I like stale news. I subscribe to weekly paper magazines like The Economist and Time. I don't want to get sucked into the moment to moment news frenzy of stories that are designed to get me to click a link and often contain no useful content...
by ssquared87
Mon Sep 25, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4693

Re: Asking for no wedding gifts

I'm at the age when many of my friends are getting married. I'd rather support their goals rather than buy them useless crap they don't need or want. All this talk about etiquette and not specifying gifts or no gifts on the invite is insane. As an attendee, I would rather know that the people I care...
by ssquared87
Fri Sep 22, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 3888

Re: Luxury Car Purchase

1 bed 1 bath detached shack went for close to 600k. I don't want to derail the thread but data abound. I would encourage OP to lock in some gains before buying a six figure car. Looking purely at cost of housing says nothing. Cost of housing vs. income/net worth is more telling. The influx of peopl...
by ssquared87
Mon Sep 18, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: IHG hotel booking - Reward Night unavailable
Replies: 15
Views: 997

Re: IHG hotel booking - Reward Night unavailable

Can you book the SPG with a rate that allows no charge cancellations w/24hr notice? I'd book SPG as a backup and if nothing came in through IHG a day before the trip, i'd just go with the SPG. Can't speak for IHG, but with SPG, I've had rooms open up last minute and was able to use points. Its a cra...
by ssquared87
Mon Sep 18, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Car Swap Buy/Sell Timing Strategy
Replies: 20
Views: 991

Re: Car Swap Buy/Sell Timing Strategy

Unfortunately maternity leave is actually short term disability paid by NJ at 2/3 your normal pay up to 633/wk. Some company's offer paid leave, hers does not. She and I just revisited this situation and we may try to make the 2 door scion work for the time being at least until she returns to work ...
by ssquared87
Sat Sep 09, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 7125

Re: Luxury car: perception vs reality

Some good posts above. As others have said, the line between "luxury" and "non-luxury" cars has really blurred. Our top-trim Mazda is way better appointed (and handles way better) than the cloth-seat manual-seat-adjust 320 i loaner I recently drove when my BMW was in the shop. Not sure who would ev...
by ssquared87
Sat Sep 09, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 7125

Re: Luxury car: perception vs reality

Some good posts above. As others have said, the line between "luxury" and "non-luxury" cars has really blurred. Our top-trim Mazda is way better appointed (and handles way better) than the cloth-seat manual-seat-adjust 320 i loaner I recently drove when my BMW was in the shop. Not sure who would ev...
by ssquared87
Sat Sep 09, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 7125

Re: Luxury car: perception vs reality

My daily driver is a Toyota Matrix, and we also have a 2 year old Camry. Neither gets me excited when I drive them. Also have a E36 M3, and the driving character leaves you with a smile on your face. For me, there are plenty of $100k+ cars I'd never touch. The E36 M3 is therapeutic... all my worrie...
by ssquared87
Wed Aug 23, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 6465

Re: Safe car for wife and baby

I'm really surprised at the many suggestions in this thread to buy a huge 60k+ car, lol. Are we kidding? There are plenty often amazing safe cars that are under 30k. Personally I have two kids under 5 and have a Mazda CX-5 and a Mazda 6 that I happily drive both them around with. I have properly in...
by ssquared87
Mon Aug 21, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: 2018 Merc S560, 2018 Lexus LS500 Discounts?
Replies: 38
Views: 3977

Re: 2018 Merc S560, 2018 Lexus LS500 Discounts?

Is this a recent thing you speak of? Other than specific models, occasionally, I have never heard of people not getting some meaningful percentage off their purchase. 5-10% is common but 15-20% is not unheard of for some models. No matter how wealthy one is few people like overpaying for a car just...
by ssquared87
Mon Aug 21, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: 2018 Merc S560, 2018 Lexus LS500 Discounts?
Replies: 38
Views: 3977

Re: 2018 Merc S560, 2018 Lexus LS500 Discounts?

Even custom ordering, you should be able to get down to invoice +1K. I recently purchased a 2017 BMW 5 series which is a brand new model and was released a few months ago in the US. I was able to get 8% off of MSRP without much effort. Had I wanted to push harder, I'm sure I could have gotten more o...
by ssquared87
Wed Jul 26, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 150
Views: 11122

Re: What Car Should I Buy My Daughter as a Graduation Present

The Fit is an excellent car as others have mentioned, but take into account the traffic and quality of drivers where your daughter will be driving and whether she will be driving on freeways or mostly local roads. If struck by a much larger vehicle where there is a large gap in speed, a larger car l...
by ssquared87
Thu Jan 19, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 1.9% loan or invest
Replies: 61
Views: 5698

Re: Pay down 1.9% loan or invest

Reverse the situation.... Would you borrow cash @ 1.9% to invest and hopefully earn more than that? Keep it simple. -Matt Well said, didn't really think of it this way, but essentially that's what it is. I would probably opt to just pay off the loan for non-financial reasons. I would want to simpli...
by ssquared87
Thu Jan 19, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 1.9% loan or invest
Replies: 61
Views: 5698

Pay down 1.9% loan or invest

Hey everyone, Quick overview of my financial situation...I max out 401k (18k/yr) Roth IRA (5k/yr) and HSA (3.4k/yr) every year and have 12 months expenses in an emergency fund. My job is fairly stable. I'm 30, single, no kids. The only debt I have is $9k on a car loan at 1.9% I want to bring my emer...
by ssquared87
Sun Jan 01, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 9799

Re: Affordable home exercise

Have you thought about signing up for Beachbody On Demand? It's not equipment, but they have some excellent workout programs many of which require very little in terms of equipment. I've been doing T25 and have seen excellent results. A 12 month subscription is $99 and includes access to strength tr...
by ssquared87
Mon Dec 19, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: Grocery cart rolls into side of car, dent, scratched
Replies: 92
Views: 8103

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

Good luck op. My car was hit by 2 hit and run drivers, once while parked, another time while I was driving. After the second time I installed a dash cam in my car and my girlfriends car. Just recently a Prius hit her car and drove away causing >$10k in damage. The footage from the dashcam absolved h...
by ssquared87
Thu Dec 15, 2016 11:56 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 10225

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Safety-wise, AWD does essentially nothing for 99% of drivers. It's all about the tires. AWD will allow you to get moving easier, and if you live in an area where you get some accumulation, may allow you to get out of driveways or off the street with less shoveling needed. Otherwise, once you're mov...
by ssquared87
Wed Oct 26, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 31925

Re: Chase Sapphire Reserve: Too good to be (completely) true

Only a complete fool would book reward travel from the Chase Ultimate Rewards portal. You only get about 1.5cents per point of value and that is based off the marked up fares that you have noticed. The proper way to use these points is by transferring them to an airline partner, you will get much b...
by ssquared87
Wed Oct 26, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 31925

Re: Chase Sapphire Reserve: Too good to be (completely) true

Only a complete fool would book reward travel from the Chase Ultimate Rewards portal. You only get about 1.5cents per point of value and that is based off the marked up fares that you have noticed.The proper way to use these points is by transferring them to an airline partner, you will get much be...
by ssquared87
Tue Oct 25, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 31925

Re: Chase Sapphire Reserve: Too good to be (completely) true

Only a complete fool would book reward travel from the Chase Ultimate Rewards portal. You only get about 1.5cents per point of value and that is based off the marked up fares that you have noticed. The proper way to use these points is by transferring them to an airline partner, you will get much be...
by ssquared87
Thu Sep 22, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 9256

Re: Audi Service Dealership Cost too high? Where should I take it?

Changing ATF fluid whether it's an Audi, Lamborghini, or Ford Pinto is about the easiest job you can do, only slightly more involved than an oil change. Labor should be no more than $150 and the fluid itself should be around $20 if its synthetic. The other items as mentioned at this 35K check are al...
by ssquared87
Thu Sep 22, 2016 8:01 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 6601

Re: Securing work computer and USB drive

Guess where I am confused is that if they have the recovery key that just unlocks the entire HD, but I didn't think they would have access to anything in my home folder. Sadly, I think they do. FileVault provides whole-disk crypto, not per-user file crypto. If you want, you could conduct an experim...
by ssquared87
Thu Sep 22, 2016 7:43 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 6601

Re: Securing work computer and USB drive

Does the same advice people are giving here apply to Mac? ... My understanding is that one Admin on a mac cannot view another Admin's files due to permissions. The drive is encrypted with FileVault, but my company does have the recovery key so I guess that's an area they may be able to get into the...
by ssquared87
Thu Sep 22, 2016 6:26 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 6601

Re: Securing work computer and USB drive

Does the same advice people are giving here apply to Mac? I travel for work as well and have a Mac with admin rights...my company does not restrict anything at all and they made it clear that they do not backup our computers and we are responsible for our own backup strategy. (they do recommend putt...
by ssquared87
Sun Sep 11, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 13091

Re: Should I upgrade my 6 year old plasma TV?

LCD/LED will be a substantial letdown in picture quality from your plasma. Unless you really want something bigger, stick with the plasma until OLED comes down to a reasonable price. It's the only thing that can even touch plasma in terms of black level, contrast, refresh rate, color accuracy etc.