Search found 98 matches

by caffeperfavore
Fri Nov 02, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4177

Re: Extreme credit card debt

At one point, my wife and I had over $50k in credit card debt and $50k in student loans. We weren't making much more than you now. Oh, and we had two car payments on top of that while living in a HCOL area. It seemed hopeless. We paid it off. It sucked and it took time, but we did it. We started wit...
by caffeperfavore
Fri Nov 02, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2307

Re: Europe Trip

We generally found the Parisians friendly, but not really interested in meeting English speakers, but always willing to answer a question or two... It is not just in Paris but one factor to keep in mind is that many of the popular European tourist destinations get literally tens of millions of tour...
by caffeperfavore
Fri Nov 02, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2307

Re: Europe Trip

One advantage to going in the warmer months is that you can pack lighter. While I've enjoyed Europe in the winter, it also added at least one more piece of and many pounds to our luggage. Think shorts and short sleeve shirts versus bulkier pants and sweaters, etc. Just a thought FWIW.
by caffeperfavore
Thu Nov 01, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3330

Re: Used 2016 Lexus GS 350: 40k miles too much?

Sorry to revive the thread. Been negotiating over txt about the used 2016 Lexus GS 350 40k miles (RWD, not F-sport). We are $2,000 apart, I am offering $29,200 and dealer is saying $31,200. They are not budging yet, but the car has been on the lot 3 months (well, 79 days). Unsure what a good deal h...
by caffeperfavore
Thu Nov 01, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2307

Re: Europe Trip

One last comment, everything in Paris is wonderful, so much to see and do, but we felt like they'd rather we not be there. We could tolerate it, but it felt like a strange way to treat your visitors. it started with the airport staff and extended to the public safety officers, retail stores, and re...
by caffeperfavore
Thu Nov 01, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2307

Re: Europe Trip

It all depends on your strategy and what you want to see. Nearly every time of year can be enjoyable. We spent an April in Italy (Tuscany and Venice) and it was wonderful. Beautiful weather and relatively low crowds. However, that's also a wet time for Paris, so it all depends on where exactly you w...
by caffeperfavore
Wed Oct 31, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3354

Re: Planning first international trip - London/Paris

What is it that you like? Do you want to soak up the culture? Are you a history buff? Art fan? Foodie? Slow travel enthusiast (guessing not)? Just want to see the big sights (and I'm not judging you if you do)? Do you like hustle and bustle or quiet? Discount traveler or big spender? Why did you cho...
by caffeperfavore
Tue Oct 30, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Kevin O'Leary: owning a car is a terrible idea
Replies: 43
Views: 3319

Re: Kevin O'Leary: owning a car is a terrible idea

I've asked my directly across the street neighbor, who is a good friend and colleague; his response is that walking would make it difficult for him to eat lunch. We have a massive on-site cafeteria that offers almost anything you could want, it is literally one of the most popular "restaurants" in ...
by caffeperfavore
Tue Oct 30, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Kevin O'Leary: owning a car is a terrible idea
Replies: 43
Views: 3319

Re: Kevin O'Leary: owning a car is a terrible idea

In theory, this is true. In practice, I'm keeping my car. However, I do wish more developers/planners would make walking or biking easier. Case in point, I'm what should be a short bike ride to a couple of grocery stores, but each is separated from me by busy roads with no crosswalks and islands of ...
by caffeperfavore
Tue Oct 30, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Highlander or Murano 2018 ..
Replies: 36
Views: 2359

Re: Highlander or Murano 2018 ..

One more thing, we bought the HIghlander because they are reliable as toasters. People in our neighborhood have ones that are nearly 20 years old and they still look good. We plan on keeping ours at least 10 years. I actually wanted the previous generation because I think they're better looking, but...
by caffeperfavore
Tue Oct 30, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Highlander or Murano 2018 ..
Replies: 36
Views: 2359

Re: Highlander or Murano 2018 ..

FWIW, I paid nearly $4k less out the door for an XLE (not AWD though) a couple years ago here in the Southeast. Still, AWD only added $1k when we were looking. Depending on where you're at, you might want to shop around. I only communicate via email with dealers, playing them off each other with off...
by caffeperfavore
Fri Oct 26, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is it risky to have all retirement savings with vanguard?
Replies: 43
Views: 5951

Re: Is it risky to have all retirement savings with vanguard?

I think it's unlikely for there to ever be an issue with Vanguard and most of the posters here are likely right. Still, I don't like having a single point of failure for all of our investments, so we've spread things out a bit, although the slim majority is still in Vanguard. It's not much trouble f...
by caffeperfavore
Fri Oct 26, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3330

Re: Used 2016 Lexus GS 350: 40k miles too much?

40k dived by 2.5 makes it around 16,000 miles per year, which is probably pretty typical. That's assuming the 2018 car was purchased in 2018 and not 2017, which would make it even less per year.

I wouldn't think twice about it and would expect about 200k of mostly trouble free driving from a Lexus.
by caffeperfavore
Fri Oct 26, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: Market correction this week.
Replies: 15
Views: 2661

Re: Market correction this week.

This? A correction? You ain't seen nuthin yet.

I must be getting old.
by caffeperfavore
Fri Oct 26, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4015

Re: Coffee grinder

Thanks. So what do pull it out the night before? Not sure wife will let me have another appliance on the kitchen counter. Leaning toward manual grinder. Not to discount others, but since you seem to be a guru in this area, thoughts on manual? If you'll be using the same beans, ground at the same se...
by caffeperfavore
Wed Oct 24, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4878

Re: Beer - Strong German Style Lagers

I've never been that impressed with beer in Germany. I've been about 6 times for work and tried quite a bit while I was there. Seems like they just don't really innovate, no IPAs, etc., just tons of lagers. Hefes were the only thing with a decent amount of flavor. I think the country got its reputa...
by caffeperfavore
Wed Oct 24, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4878

Re: Beer - Strong German Style Lagers

I was once in Switzerland and ordered some beer and the waitress said "This is a stronger beer". It was 5% which certainly isn't strong by my definition. I had to laugh. I was recently in Switzerland and tried every Swiss beer I could. Sampled at least a dozen. Every single one tasted the same, eve...
by caffeperfavore
Wed Oct 24, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4015

Re: Coffee grinder

Smackboy1 just wrote the master class in bean-ology. Nicely done. The only thing I would debate is two weeks of off-gassing. Depending on the beans, I find that 3 or 4 days is often sufficient. Some of my lighter roast beans start fading in as little as a week. Darker roasts, like Redbird's Espresso...
by caffeperfavore
Wed Oct 24, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4015

Re: Coffee grinder

As you may also recall, I am also the poster that was asking about Nespresso. To be honest, I really enjoy a full flavor cup of coffee with a lot of body to it, but with acid reflux I feel like I do a lot better with medium roast (clearer looking when you pour) coffee. I probably should have said s...
by caffeperfavore
Tue Oct 23, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4015

Re: Coffee grinder

If you want something for drip/pourover/regular coffee, any burr grinder will do. The Capresso or anything by Baratza will be fine. If you want to save a little money and don't mind hand cranking, then the Hario Skerton will do the trick. [just saw the post above after i posted, which said nearly th...
by caffeperfavore
Tue Oct 23, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5195

Re: 2019 Expenses > 2019 Income – Help us close the gap

The Stages of Cost Cutting: Stage 1: I can't possibly live without these things! There's little to nothing I can do. All these small changes don't add up to much anyway. Stage 2: Maybe I'll try these couple of things, but that's the bare bones. I couldn't possible live without Desperate Housewives o...
by caffeperfavore
Mon Oct 01, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9555

Re: Suze Orman - "I hate the FIRE movement."

Financial planning guru hates movement that lessens demand for financial planning gurus.

Shocking.
by caffeperfavore
Mon Sep 24, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11687

Re: Minimalist Lifestyle

It's not about living like a hobo, necessarily. It's more about constructing a life in which you intentionally have things in your life that add value, and avoid amassing things that don't. It's about not letting "stuff" keep you from leaving room (literally and figuratively) in your life for the t...
by caffeperfavore
Wed Sep 19, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3627

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Used 2015-2016 BMW 3 series on Autotrader etc are going for $25k or less. A certified example would probably be $28k, which is similar to what you would buy. Alternatively, you could get an even older (2012-2013) example for under $20k and budget for future maintenance items. The point I want to ma...
by caffeperfavore
Tue Sep 18, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 39
Views: 3597

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: 6529

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: 6632

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: 5221

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: 6164

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: 539

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: 539

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: 6529

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: 6529

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: 2423

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: 2243

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: 2423

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: 479

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: 6271

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: 4150

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: 3513

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: 3513

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: 5335

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: 12886

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: 3367

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: 5825

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: 1176

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: 10820

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: 10820

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: 10820

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: 10820

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...