Search found 74 matches

by caffeperfavore
Tue Sep 18, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 17
Views: 1514

Re: Anyone hire an interior designer?

We've also thought about getting a designer, especially when it comes to picking wall colors. Slight differences in the shade or tone of colors can make so much difference. Given how we've screwed it up in the past, we're wondering if it's worth it. We have no idea if it's affordable or not. For tho...
by caffeperfavore
Fri Aug 31, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 87
Views: 6318

Re: Nespresso?

- Makes pretty good espresso; better than a stovetop, the Gaggia on a bad day, or Starbucks on any day This is not expresso is moka expresso/coffee STop hanging out in BH and hang out in other blogs (i.e. coffeegeeks). They'll tell you Nespresso is crap. Like any pressurized portafilter expresso. I...
by caffeperfavore
Fri Aug 31, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6325

Re: Lexus vs. Mercedes

If you're major concern is long term costs, I can't believe we're even having this conversation. You can't get more bullet proof than a Lexus. Never owned one, but everyone I know has driven theirs into the ground, putting more miles on them than your average freight train. They seem to be at the to...
by caffeperfavore
Fri Aug 24, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 4670

Re: Is Treasury Direct worth the hassle?

Ditto. It's no more hassle than opening up an online account with anything anywhere else. I've found it easy to use and I get my money relatively quickly when I sell.
by caffeperfavore
Tue Aug 21, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6016

Re: I saved $3,200 on a $23,500 car with minimal stress.

I've used the same approach for the last three cars that we've purchased. A few lessons learned: Having one offer in hand leads to more offers in hand. Some dealers didn't respond to me until I said that I had x offer from x dealership. Not sure why, but maybe it's because they realized I was seriou...
by caffeperfavore
Thu Aug 16, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Fuji FC 440 Carbon Bike Fork and Fuji C7 Carbon Frame
Replies: 8
Views: 474

Re: Fuji FC 330 Carbon Bike Frame

Search sold listings on eBay. How old is it? Unless it's brand new, I would be surprised if you could get more than a couple hundred bucks, tops. Fuji isn't really a marquee brand that would fetch top dollar (even though it's likely made in the same sweatshops as top brands). Fuji makes everything ...
by caffeperfavore
Thu Aug 16, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Fuji FC 440 Carbon Bike Fork and Fuji C7 Carbon Frame
Replies: 8
Views: 474

Re: Fuji FC 330 Carbon Bike Frame

Search sold listings on eBay.

How old is it? Unless it's brand new, I would be surprised if you could get more than a couple hundred bucks, tops. Fuji isn't really a marquee brand that would fetch top dollar (even though it's likely made in the same sweatshops as top brands).
by caffeperfavore
Mon Aug 06, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 87
Views: 6318

Re: Nespresso?

From what I understand, both stove top makers and pod based machines, like Nespresso, aren't technically 'real' espresso, because neither of them can generate the pressure required for 'real' espresso. True for the stove top, debateable for Nespresso. Stove top espresso is kind of a cross between e...
by caffeperfavore
Mon Aug 06, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 87
Views: 6318

Re: Nespresso?

I've owned a stovetop espresso maker, a Nespresso, a Gaggia Classic semi-automatic machine, and now have a LaPavoni lever machine. Pros for the Nespresso: - The easiest way to make decent espresso - Makes pretty good espresso; better than a stovetop, the Gaggia on a bad day, or Starbucks on any day ...
by caffeperfavore
Wed Aug 01, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Consultant leaning toward 1099 instead of W2 and looking for advice
Replies: 32
Views: 2327

Re: Consultant leaning toward 1099 instead of W2 and looking for advice

To restate, any rules about classification are for the employer, not the employee/ contractor. Despite what some are implying here, there simply aren't rules for you to break. There are also few clear cut rules about classification. Hourly pay, possibly taking a loss, working on site, being under d...
by caffeperfavore
Wed Aug 01, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: How to Learn Italian (a little) Before Trip to Italy
Replies: 34
Views: 2149

Re: How to Learn Italian (a little) Before Trip to Italy

I agree that it's useful to know some key phrases, a few niceties, and how to order certain things. It seems to grease the wheels and get you a little better treatment. People seem to appreciate the effort. The great thing about Italian is that it's phonetically very similar to English, making it on...
by caffeperfavore
Tue Jul 31, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Consultant leaning toward 1099 instead of W2 and looking for advice
Replies: 32
Views: 2327

Re: Consultant leaning toward 1099 instead of W2 and looking for advice

I'm a 1099, doing work as a sub for a few different companies. One thing I haven't seen mentioned is the ability to set up an S-Corp and take your earnings in the form of a reasonable salary and dividends. Dividends are not subject to FICA. Depending on your income, this, along with the Solo 401k ad...
by caffeperfavore
Sat Jul 28, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Vacation in France in Aug 2019
Replies: 7
Views: 454

Re: Vacation in France in Aug 2019

A third for Alsace as you'll pass through on your way to Basel. Rent a car for a few days and drive the wine road. The little towns are straight out of a fairy tale. I especially love Kayserberg and Riquewihr. Great wines and wineries are everywhere. The meals are hearty. You'll also be passing near...
by caffeperfavore
Fri Jul 27, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 6125

Re: Talk to me about Le Creuset

We've somehow ended up with three dutch ovens, a large brassier, a skillet, and a gaggle of petite little dutch oven-like things. The skillet gets the most use, followed by the dutch ovens. The brassier is occasionally used for mussels or gratins. The small dutch ovens are used once a blue moon an o...
by caffeperfavore
Fri Jul 27, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Yet another "can I afford it"?
Replies: 42
Views: 4050

Re: Yet another "can I afford it"?

Sure, you can afford it, but why do you want these cars? Will they make you happier than a more modest car and doing something fun with the leftover cash? What is it that you're looking to achieve here (sportiness, safety, prestige, comfort, room, etc.), because these are all very different options?...
by caffeperfavore
Fri Jul 06, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3344

Re: Coffee Grinder recommendations

Thanks all - great info. I just started making espressos yesterday and will likely use them to make lattes or Americanos. I'm just starting out so may upgrade my VonChef stovetop but heard that a great grinder is an important first step. Anyway, I'll probably wait a couple weeks to see how many esp...
by caffeperfavore
Thu Jul 05, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3344

Re: Coffee Grinder recommendations

I make quite a bit of cold brew and some espressos with a stovetop unit . Does he really need a $400 grinder for a stovetop espresso maker? I assume we're talking about a Bialetti Moka or something very similar here. If he's pulling shots on a finicky Elektra Micro Casa lever, then sure, get a $400...
by caffeperfavore
Tue Jul 03, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Fed survey: 40% of adults cannot cover a $400 emergency expense
Replies: 48
Views: 5227

Re: Fed survey: 40% of adults cannot cover a $400 emergency expense

Actually, this is 40% of adults that would bother responding to a survey cannot cover a $400 emergency. From this subset of the actual population, how many are young adults? A lot of 19 year olds couldn't and they don't care. How many are students? I probably fell into this category in college and g...
by caffeperfavore
Mon Jun 25, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12384

Re: When did you start flying business class?

I've never paid my own money for business, but usually do premium economy/economy comfort/whatever they're calling it nowadays for Europe and Asia flights. There's a lot of variance in what this entails. On Delta, you don't get much more than a little extra room. But on British Airways, it was like ...
by caffeperfavore
Tue Jun 19, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 34
Views: 3273

Re: How do you read books?

Audiobooks!

You retain more of what you hear than what you read, so why fight it? I listen in the car, while doing the dishes, or going on walks.

I have a subscription to Scribd for audio and e-books, but if you have a good public library, you might have a good selection available for download.
by caffeperfavore
Tue Jun 19, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5620

Re: How much car to buy reasonably?

Audi S4. Sporty, nimble, and fun, yet comfortable for a daily driver. Four doors for friends to ride along and a functional trunk to throw stuff into. Fancy enough that you can get your nice car fix, but not so expensive that you'll stay awake at night. Audi reliability has also come a long way. I o...
by caffeperfavore
Mon Jun 18, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: successful chase sapphire paid auto claim with rental abroad
Replies: 12
Views: 1130

Re: successful chase sapphire paid auto claim with rental abroad

Yes, thank you. This is very helpful as we'll likely be using for an upcoming trip abroad. I hope to hear from others about their experiences with the CSR to add a few more data points.
by caffeperfavore
Thu Jun 14, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10569

Re: I was rear ended and the other guy wants a payout!

One other note, get the police report -- pay whatever fee it takes ($10 in California). You really do want to know if they assigned blame -- and to whom they assigned it. Why? What's the OP going to do with that? Probably just get worked up. If he has decent insurance, then that's for them to worry...
by caffeperfavore
Thu Jun 14, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10569

Re: I was rear ended and the other guy wants a payout!

One other note, get the police report -- pay whatever fee it takes ($10 in California). You really do want to know if they assigned blame -- and to whom they assigned it. Why? What's the OP going to do with that? Probably just get worked up. If he has decent insurance, then that's for them to worry...
by caffeperfavore
Thu Jun 14, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10569

Re: I was rear ended and the other guy wants a payout!

All this talk of who's at fault and the situation, etc. does not matter. All the hypotheticals here aren't helping the OP either. Might as well discuss angels dancing on the heads of a pin. The police officer didn't even issue a ticket. The most likely outcome is that the insurance companies will go...
by caffeperfavore
Thu Jun 14, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10569

Re: I was rear ended and the other guy wants a payout!

Years ago, I came to a stop sign. I stopped and then pulled out, but I didn't see an oncoming car. We had a small accident (minor damage to both cars, hardly any to hers) and I was at fault. A year later, I get a letter that says I'm being sued for $750,000, which exceeded my limits. My insurance co...
by caffeperfavore
Wed Jun 13, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2871

Re: Trade-up my $89 Walmart bike

Yes, a good bike is worth it. Given that this is your first good bike, go to a bike shop. Actually, go to several bike shops. Talk to different people there and test ride a number of different bikes. The most important things is that you find something that fits you well and makes sense for what you...
by caffeperfavore
Mon Jun 11, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: “Day to kill” in Venice Italy
Replies: 51
Views: 3776

Re: “Day to kill” in Venice Italy

Have an espresso in the back bar of Caffe Florian in St. Marks Square. They claim to be the oldest coffee shop in Europe (the Austrians will dispute this). Last I was there, a coffee cost me about USD 15. I am not sure it is worth it over, say, sitting in the Piazza Del Campo in a very ordinary pla...
by caffeperfavore
Sun Jun 10, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: “Day to kill” in Venice Italy
Replies: 51
Views: 3776

Re: “Day to kill” in Venice Italy

Wander. Get lost (not that you can completely without falling into the lagoon). Get away from the touristy areas and discover things in the back alleys. Go to one of the surrounding islands: Murano if you like glassware or Burano for some color and calm or Torcello for the history. If you're a bookw...
by caffeperfavore
Sun Jun 10, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6738

Re: Need advice on 1st international vacation

We found the food in Venice to be pretty bad. Thousands of tourists trapped on an island - why make an effort if you're a restaurant? Now on the Italian mainland? Plenty of wonderful memories of the food in Turin. Did you try cicchetti in Venice's countless wine bars? Did you try seafood? We had so...
by caffeperfavore
Mon Jun 04, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6738

Re: Need advice on 1st international vacation

And don't get me started about condiments. I was at a full service sit down restaurant in Venice, and I ordered hamburger and fries, and when the food came to the table, I realized there was no ketchup,.. Oh man. If you're ordering a hamburger and fries in Venice, you're doing it all wrong. After e...
by caffeperfavore
Mon Jun 04, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6738

Re: Need advice on 1st international vacation

mptfan wrote:
Mon Jun 04, 2018 9:50 am
And don't get me started about condiments. I was at a full service sit down restaurant in Venice, and I ordered hamburger and fries, and when the food came to the table, I realized there was no ketchup,..
Oh man. If you're ordering a hamburger and fries in Venice, you're doing it all wrong.
by caffeperfavore
Mon Jun 04, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6738

Re: Need advice on 1st international vacation

Just to piggyback on what others said, English is spoken everywhere. It's so easy for us Americans to get around. While I understand the desire to do an easy trip, there's also something really rewarding about immersing yourself in a very different culture. To me, that's one of the real joys of trav...
by caffeperfavore
Mon Jun 04, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6738

Re: Need advice on 1st international vacation

I would rule out South Africa, New Zealand, and Japan from consideration. They are really too far to travel for the amount of time you have available. Japan is also super expensive. ??? Japan isn't much longer of a flight from the US than Europe. Fortunately I am in a market with direct flights, so...
by caffeperfavore
Thu May 10, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6247

Re: What's the view on dogs running free?

It seems like some responders do not love dogs... No, some of us don't. I wish more dog owners would understand and respect this. To me, a dog is at best an annoyance and at worst a danger. As a dog owner for decades, I consider it my obligation to me, my dog, and the people and animals around me t...
by caffeperfavore
Wed May 09, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6247

Re: What's the view on dogs running free?

goingup wrote:
Wed May 09, 2018 4:33 pm
It seems like some responders do not love dogs...
No, some of us don't. I wish more dog owners would understand and respect this. To me, a dog is at best an annoyance and at worst a danger.
by caffeperfavore
Wed May 09, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 1880

Re: Another Vehicle Question

Sister Mother Mary Francis, that's a lot of coin for a car! I'm in similar financial range as you, but only one kid, and I wouldn't dream of sinking that much into a depreciating asset. Are you really sure that the Expedition is going to give you that much room? Are your kids the size of college lin...
by caffeperfavore
Tue May 08, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 6711

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Buy the car you like most, but wouldn't mind it being puked on, peed on, and used as a trash can. Every bad thing you can imagine a small child doing to your car will happen...repeatedly. Any decent sized sedan, small to mid-size SUV, or (if we're being honest with ourselves and not our egos here) m...
by caffeperfavore
Tue May 01, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Asheville, NC Visit
Replies: 20
Views: 2056

Re: Asheville, NC Visit

Great food in Asheville. If you like Spanish, Curate can't be beat. It's headed up by two El Bulli alums. Also love the Admiral and it's dive bar vibe (but great food).
by caffeperfavore
Thu Apr 05, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Builder wants $800 to vent a gas cooktop
Replies: 53
Views: 4829

Re: Builder wants $800 to vent a gas cooktop

It's worth it. It's hard to say without seeing your exact setup, but $800 is not out of range for that type of thing. My father is a builder and having worked along side him, I can easily envision how it could cost that much in time and materials. Seems a tad high, but not out of the question, espec...
by caffeperfavore
Fri Mar 30, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 10094

Re: Resign from job or possible termination

Maybe I'm a bad person, but if I knew that I was being terminated, I would not be feeling any job stress anymore (at least not due to the working conditions). I mean, what can they do, fire you?
by caffeperfavore
Tue Mar 20, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 34316

Re: Those with high savings rate: why?

For freedom to do whatever I want.
For piece of mind when emergencies come up.
by caffeperfavore
Tue Mar 20, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 13596

Re: Can I Retire at 38?

First, let's not say retire. Many people are convinced that it means you will sit on a chair and stare at the wall for the rest of your life. With that much net worth, you've got all sorts of great options. If it were me, I would cash out the residence and move to a low cost of living area that I en...
by caffeperfavore
Mon Mar 05, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Rome-Florence-Venice-Prague summer vacation
Replies: 54
Views: 3618

Re: Rome-Florence-Venice-Prague summer vacation

I agree with other posters, that this trip will be best if it's not in the summer. For example, nearly everyone I know that did not enjoy Venice went in the summer, saying it was too crowded, smelly, etc. We were there in the early spring and it was magical. We stayed in a small B&B around the corne...
by caffeperfavore
Fri Feb 16, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 12907

Re: I'm Cancelling My Home Insurance

So, your house burns down and now you've lost 12% of your net worth.

Then, you have to sink another 12% of your net worth (which is now more like 14% of your net worth) into a new one?

Neato.
by caffeperfavore
Tue Feb 13, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 13308

Re: Did you learn anything from the market correction?

I learned that I'm older than I thought, because that seemed like just a little minor turbulence.

I'm honestly shocked that people are making so much ado about it.


*Edited for not good grammar talk.
by caffeperfavore
Tue Feb 06, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 7184

Re: Washer/Dryer longevity ?

Yet another person here that has fixed their washer and dryer. These things aren't really that complicated. If you can figure out the part that needs changed - and there's so much online help available - then many repairs can be done fairly cheaply in a half hour or less.
by caffeperfavore
Thu Feb 01, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: SUV vs Minivan: which is safer?
Replies: 24
Views: 3047

Re: SUV vs Minivan: which is safer?

Safety is a function of: how much you drive, where you drive, the conditions you drive in, your car's accident avoidance capabilities, your driving capabilities and alertness, and finally, what happens to your car in a crash, which is itself a function of how it was engineered, the safety mechanisms...
by caffeperfavore
Mon Jan 29, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Household Employee W-2s
Replies: 10
Views: 747

Re: Household Employee W-2s

I just prepared our household W-2s online via SSA. Granted, I've done it before, but it only took me about five minutes to fill out the form, hit submit, and save and print pdfs of the W-2s. I kept all our 2017 info (soc sec, medicare, & state and fed withholding) in Excel, so all I had to do was f...
by caffeperfavore
Mon Jan 29, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Household Employee W-2s
Replies: 10
Views: 747

Re: Household Employee W-2s

I just prepared our household W-2s online via SSA. Granted, I've done it before, but it only took me about five minutes to fill out the form, hit submit, and save and print pdfs of the W-2s. I kept all our 2017 info (soc sec, medicare, & state and fed withholding) in Excel, so all I had to do was fi...