Search found 55 matches

by caffeperfavore
Tue Jun 19, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 34
Views: 2888

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: 4825

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: 1012

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: 106
Views: 8897

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: 106
Views: 8897

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: 106
Views: 8897

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: 106
Views: 8897

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: 2568

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: 3151

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: 3151

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: 5745

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: 5745

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: 5745

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: 5745

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: 5745

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: 5691

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: 5691

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: 1724

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: 6286

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: 1924

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: 4191

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: 9532

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: 31942

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: 13033

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: 3446

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: 12268

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: 12716

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: 6588

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: 23
Views: 1925

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: 702

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: 702

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...
by caffeperfavore
Fri Jan 26, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Is dry cleaning worth it?
Replies: 23
Views: 2537

Re: Is dry cleaning worth it?

I throw my Brooks Brothers dress shirts in the wash, then tumble dry on low, and hang them up. They always look good and it's easier than taking them to a dry cleaner. I don't see the point for shirts.
by caffeperfavore
Mon Jan 08, 2018 9:57 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 11505

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

While I can appreciate and support the excitement of these posters, I discount their value as motivators. Other than giving context to a specific financial question, someone sharing their milestone or year to date returns is outside my zone of good etiquette. I would eliminate them. As a sidenote, ...
by caffeperfavore
Wed Dec 27, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 13136

Re: Another should i buy my dream porsche thread...

How much do you still owe on your mortgage? Because if it's anywhere near the 490k that you mentioned, then you're net worth is actually pretty low. Way too low to be buying a $100k+ Porsche. And how stable is the $250k job? What happens if it disappears tomorrow? I understand the allure of a Porsch...
by caffeperfavore
Mon Dec 11, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 2006

Re: Best Parmesan Cheese for Salad

We buy the Parmigiano-Reggiano wedges from Costco. It's a really good deal. We get a ton of use out of them for several months and are even able to use the rinds in soups.

Just get the real stuff. The bulk cheese makers (Kraft, Belgioso, etc.) are a different animal.
by caffeperfavore
Sun Dec 03, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: BH Volvo XC90 Review
Replies: 27
Views: 4225

Re: BH Volvo XC90 Review

Ha! I expected the BH Volvo XC90 view to conclude: "...in sum, buy a 5 year old Toyota Highlander with hail damage off of Craiglist and drive it for the next 28 years." But, nice review. Just one quibble, to actually spend $48k on a Pilot or Highlander, you would have to be the worst negotiator in t...
by caffeperfavore
Fri Dec 01, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Ugh, why is buying a new car so painful?
Replies: 75
Views: 10832

Re: Ugh, why is buying a new car so painful?

Buying a car is only painful if you let it be. Decide exactly what car you want, including color and options, and find 2-3 dealers convenient to you who have that exact car on the lot. Call or email them asking for their quotes. Tell them that you have already done your research and you don't need ...
by caffeperfavore
Tue Nov 14, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: The 4% rule DOES fail but still makes sense!
Replies: 195
Views: 17153

Re: The 4% rule DOES fail but still makes sense!

First, many MMM people's claim is: the 4% rule never fails. They did not understand the statistics. The original 4% rule calculation had a success rate of about 96%, so it did fail in about 4% of the tested cases. As someone who's spent a fair amount of time lurking on the MMM blog and boards, I'm ...
by caffeperfavore
Tue Sep 05, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 5190

Re: Did Charmin UltraSoft TP become "UltraThin"?

I've noticed the same thing. I've purchased it for the past few years from Costco. The last bunch I bought has been, eh, easily torn, resulting in...uh...unpleasant contact. I've never had an issue before. I'm happy to go into more detail for anyone eating lunch. But yeah, they've really changed wha...
by caffeperfavore
Tue Sep 05, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 87
Views: 7285

Re: how often does high ACT score == scholarship?

Wow. Does his school have a guidance counselor? Do you have younger children? The PSAT/NMSQT is a pretty important test, because of the second half of the name - National Merit Scholarship Qualifying Test. It can be a pretty big deal in getting scholarships. If he didn't know to take it, that would...
by caffeperfavore
Tue Aug 22, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 7929

Re: Safe car for wife and baby

Alexa9 wrote:
Tue Aug 22, 2017 10:41 am
... You could even put 100 lb. weight plates in the rear cargo area if you want a tank (semi srs).
:shock:

These would become projectiles in an accident.
by caffeperfavore
Tue Aug 22, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 7929

Re: Safe car for wife and baby

Staying safe in a vehicle is a function of, at a minimum: How often you drive Where and when you drive How you drive Driving conditions Whether you're wearing a seat belt The accident avoidance capabilities of your vehicle (braking, emergency handling, etc.) How well engineered your vehicle is to ab...
by caffeperfavore
Thu Aug 17, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 15021

Re: Is it worth it?

Life is more than money and you can never buy back that lost time with children.

Or, on your deathbed which would you regret more? Not socking away more money in your thirties or spending more time with your children?

Of course it's worth it.
by caffeperfavore
Thu Aug 10, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 8566

Re: Struggling with Justifying an Expensive Car Purchase

If you really want to be safe, make sure the car has some MASS. The new cars today keep getting lighter (which is great for fuel efficiency and the planet), but in a collision do you want your family to be in the 3-year old SUV or the brand-new lightweight sedan? You don't need mass to stay safe. T...
by caffeperfavore
Thu Aug 10, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 8566

Re: Struggling with Justifying an Expensive Car Purchase

The kid is going to vomit in it at some point. How will you feel about it then? Kids do terrible things to cars. Somehow stuff just gets everywhere. It's like dark magic. Having a cheaper car can be kind of liberating. If my child pee'd all over my $70k car's back seat, it would be a difficult momen...
by caffeperfavore
Thu Aug 10, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 8566

Re: Struggling with Justifying an Expensive Car Purchase

People usually don't struggle with smart decisions. There's are lots of luxurious cars out there that cost a lot less than $70k and that are capable of carrying you and your kid around. You're doing a lot of things right, so sure, you could probably swing it. But, once the new car smell wears off, w...
by caffeperfavore
Thu Jul 06, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: 45yo 18M portfolio, best way to grow?
Replies: 47
Views: 7505

Re: 45yo 18M portfolio, best way to grow?

Dude as others pointed out here, u ve won the game. Not sure why u r looking here or looking for growth. Most folks here r desperately trying to get to perpetually sustaining status of living off their investments, and getting out of the rat race. Since u already got to the former, I suggest u look...
by caffeperfavore
Fri Jun 30, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Ideas for a week in Spain
Replies: 42
Views: 3252

Re: Ideas for a week in Spain

What time of the year were you hiking in the Pyrenees? Granada, Seville, Toledo, and other places in Spain truly deserve visits. However, after I've spent a week in Madrid in June a couple years ago, I prefer places where I can be outdoors most of the day. Victoria I may be mixing up my trips but I...
by caffeperfavore
Fri Jun 30, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Ideas for a week in Spain
Replies: 42
Views: 3252

Re: Ideas for a week in Spain

I loved Barcelona, but after spending a week there myself, I was ready for a change. We did a hiking tour (casual) with Spanish Trails to the mid-Pyrenees. It was nice to get out of the city and get some fresh air. We really enjoyed the tour guide, the small village we went to and the views. It's a ...
by caffeperfavore
Wed Jun 28, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 109
Views: 13062

Re: Luxury Car

You've made it - you're in the 2 Comma Club or close to it. Suze Orman says you can afford it with flying colors. Uh, no one on here that is merely close or just over the hump to the 2 comma club would actually buy any of these cars right? Tell me I'm not the only one that thinks that nearly every ...