Search found 2139 matches

by alfaspider
Wed Nov 13, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Bring A Trailer (car auction website)
Replies: 18
Views: 1918

Re: Bring A Trailer (car auction website)

However, they are far better than traditional classic car auctions (Hagerty/Mechum) and have a nice price range from under $5k to big $$$. I disagree. Let's pick one - Gooding & Co. When you consign with Gooding, you get David Gooding and a staff of experts who in turn know most of the marque exper...
by alfaspider
Wed Nov 13, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Bring A Trailer (car auction website)
Replies: 18
Views: 1918

Re: Bring A Trailer (car auction website)

I enjoy the site for entertainment value, although I would still hesitate to buy any classic sight unseen. However, they are far better than traditional classic car auctions (Hagerty/Mechum) and have a nice price range from under $5k to big $$$. It does seem they are still trying to break into the p...
by alfaspider
Tue Nov 12, 2019 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Attorney Career Advice needed
Replies: 11
Views: 1331

Re: Attorney Career Advice needed

It sounds like your friend is a discovery specialist. Perhaps there are people who like that sort of work, but I'm afraid it's a pretty rough gig. Large law firms tend to hire attorneys who graduated from lower-tier schools for positions like this precisely because they don't want to pay large salar...
by alfaspider
Wed Nov 06, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: How to Clean Large Outdoor Ceramic Tile Porch
Replies: 10
Views: 468

Re: How to Clean Large Outdoor Ceramic Tile Porch

MarkerFM wrote:
Wed Nov 06, 2019 4:22 pm
A pressure washer would make too much mess, take too long, and disturb the neighbors.
Electric pressure washers aren't very loud, and the mess is minimal.
by alfaspider
Wed Nov 06, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Renting from Turo Vs big companies
Replies: 6
Views: 366

Re: Renting from Turo Vs big companies

I've considered renting form Turo, but if you just need a regular car, there's almost no circumstance where it's a better deal than the mainline rental companies. The big exception is if you want something sporty/exotic. But even then it's a narrow range- many sports car owners ask for silly fees fo...
by alfaspider
Wed Nov 06, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 7% 403b loan or 3.74% car loan first?
Replies: 38
Views: 2037

Re: Pay down 7% 403b loan or 3.74% car loan first?

As a rule, a reasonable car loan for a car one can afford isn't a horrible thing. It's certainly not a positive, financially. Borrowing from retirement funds is just a bad idea, for all but the most dire needs (health, eviction?). Based upon that alone I'd knock out the 403b loan and never dip into...
by alfaspider
Tue Nov 05, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down 7% 403b loan or 3.74% car loan first?
Replies: 38
Views: 2037

Re: Pay down 7% 403b loan or 3.74% car loan first?

As a rule, a reasonable car loan for a car one can afford isn't a horrible thing. It's certainly not a positive, financially. Borrowing from retirement funds is just a bad idea, for all but the most dire needs (health, eviction?). Based upon that alone I'd knock out the 403b loan and never dip into...
by alfaspider
Thu Oct 31, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: APC power backup for extended outages
Replies: 29
Views: 1331

Re: APC power backup for extended outages

I don't understand people who live in an area with an unreliable grid and don't have a generator. Get a Honda 2kW inverter generator or a Harbor Freight knockoff, if money is an issue. Dumb question: is it advisable to run the Honda 2kW generator indoor? Only if you want to collect on your life ins...
by alfaspider
Wed Oct 30, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: 529 - over saving?
Replies: 25
Views: 1336

Re: 529 - over saving?

Thanks in advance for the thoughts and wisdom. I have a 9 year old son and I plan to pay 100% of the college bill (tuition, room/board, books, food) at a 4 year in state school. I currently have $75,000 saved and contribute $200/month Am I over saving for college. The various calculators I find onl...
by alfaspider
Wed Oct 30, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Is it normal for a contractor to require 50% payment up front?
Replies: 52
Views: 3708

Re: Is it normal for a contractor to require 50% payment up front?

I obtained three roofing estimates and all three require half payment up front, before scheduling. Is this normal? NEVER! Dozens of victims of this guy have had their lives almost ruined because they trusted him with their money and paid up front. Here is an excerpt and a link to the article. "The ...
by alfaspider
Tue Oct 29, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8820

Re: How much do you plan to spend on your children's weddings?

A lot of people who claim they will pay zero may have different thoughts when they are actually in the situation of having a child getting married. why is that? I've seen many people cave and spend what they promised themselves they wouldn't when their sweet doe-eyed daughter asks. But not their bu...
by alfaspider
Tue Oct 29, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8820

Re: How much do you plan to spend on your children's weddings?

oldfatguy wrote:
Tue Oct 29, 2019 12:05 pm
alfaspider wrote:
Tue Oct 29, 2019 11:28 am

A lot of people who claim they will pay zero may have different thoughts when they are actually in the situation of having a child getting married.
why is that?
I've seen many people cave and spend what they promised themselves they wouldn't when their sweet doe-eyed daughter asks.
by alfaspider
Tue Oct 29, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4379

Re: Women wearing black to a wedding?

The only total faux paus I've heard of is wearing white when you are not the bride. Other than that, I doubt anybody is going to care as long as it's reasonably tasteful and in keeping with the level of formality for the wedding.
by alfaspider
Tue Oct 29, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Is it normal for a contractor to require 50% payment up front?
Replies: 52
Views: 3708

Re: Is it normal for a contractor to require 50% payment up front?

I would say whether this is reasonable depends a bit on the type and size of job. My general contractor for a $75k remodel charged based on progress- downpayment/25% complete/75% complete/completion. On a $4k driveway repair job, I paid half prior to start and half at completion. For a roof, I suppo...
by alfaspider
Tue Oct 29, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8820

Re: How much do you plan to spend on your children's weddings?

+1,000. KlangFool So I'm assuming neither the Mom nor the Dad gets to invite any of their friends? unclescrooge, Why do you assume that? We only invite guests that would give enough cash for the wedding. They would cost nothing for the wedding. The market rate is up to $500 now. KlangFool When you ...
by alfaspider
Tue Oct 29, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: bipolar/alcoholic/broke/jail time - how to move forward financially?
Replies: 37
Views: 4499

Re: bipolar/alcoholic/broke/jail time - how to move forward financially?

Dave Ramsey. The Dave Ramsey advice seems to be geared towards folks who are outspending what they earn trying to maintain a middle class lifestyle. This is not that. You can't do a debt reduction snowball without some source of income- nor will any budgeting make ends meet without money coming in ...
by alfaspider
Tue Oct 29, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Home buying advice: Build new or buy used?
Replies: 76
Views: 5471

Re: Home buying advice: Build new or buy used?

Most new homes also have an HOA. Some people like them, I personally won't touch em with a 10 foot pole. I don't trust people with nearly unlimited authority to impose rules, costs, and fines on me with no checks and balances. HOAs tend to be found in new housing developments, while older communiti...
by alfaspider
Mon Oct 28, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4306

Re: New Computer with or without SSD?

There is no reason why an ordinary consumer should buy an old-school HDD in 2019. SSDs are better in every way unless you need to archive enormous amounts of data, and prices have come down enough that even price is not a reason to avoid the SSD. I expect that magnetic hard drives will be limited to...
by alfaspider
Mon Oct 28, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 106
Views: 7385

Re: Have you ever purchased a pricy musical instrument?

As far as instruments go (especially strings), the key is to buy something that won't hold you back. Going beyond that is probably not worth it. In high school, they had a selection of school cellos so that students did not need to bring their instrument back and forth every day (not really practica...
by alfaspider
Mon Oct 28, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 20 year term life???
Replies: 33
Views: 2283

Re: 15 vs 20 year term life???

Is there a good rule of thumb for how long my term life insurance should be? I am 44 years old and due to higher earnings and expenses I find myself looking for supplemental life insurance to add to my employer sponsored $1M plan. My broker is pushing for a 20 year term, but I think a 15 year polic...
by alfaspider
Mon Oct 28, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6603

Re: How much does a "good school district" matter?

The better the neighborhood, the better the schools. It's just that simple. Not always. Once you get past elementary school, the schools may draw from geographic areas much broader than the immediate neighborhood. It's not uncommon for a neighborhood with a great elementary school to be in the same...
by alfaspider
Mon Oct 28, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Home buying advice: Build new or buy used?
Replies: 76
Views: 5471

Re: Home buying advice: Build new or buy used?

Most new homes also have an HOA. Some people like them, I personally won't touch em with a 10 foot pole. I don't trust people with nearly unlimited authority to impose rules, costs, and fines on me with no checks and balances. HOAs tend to be found in new housing developments, while older communiti...
by alfaspider
Mon Oct 28, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Home buying advice: Build new or buy used?
Replies: 76
Views: 5471

Re: Home buying advice: Build new or buy used?

My experience, having lived in homes built in the late 1700s, mid 1800s, 1920s, 1930s, 1970s, 1980s, and 1990s.. (not in that order) For the homes built 50 years ago, or 100+ years ago, how much concern did you have about issues under the surface unable to be viewed by the naked eye? I am not a han...
by alfaspider
Thu Oct 24, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1262

Re: Gas cap door on a 1995 Chevrolet cavalier has a problem

Bogle7 wrote:
Thu Oct 24, 2019 1:00 pm
A '95 Cavalier?!
Really?!
This is your excuse to trash it.
Some BH don't have such cavalier attitudes towards saving money on transportation :wink:
by alfaspider
Wed Oct 23, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: should my son negotiate paralegal offer?
Replies: 28
Views: 2291

Re: should my son negotiate paralegal offer?

thanks for all the advice, we're speaking to him tonight and will recommend he take the position at the salary offered. Hedgefundie, while he did attend a top 20 lac, it was not an elite school..I don't recall your alma mater, but I recall it could be described as one of the elites. also, he's not ...
by alfaspider
Wed Oct 23, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Possible Structural Issues in a House
Replies: 21
Views: 1639

Re: Possible Structural Issues in a House

You can level a house with drilled or pressed piers. Cost will depend on how bad it is and where the piers are needed- interior piers will cost more than exterior due to the need to tear up/replace flooring. It cost me $7k to have 8 piers drilled and the house leveled not including floor replacement...
by alfaspider
Tue Oct 22, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: SodaStream: a good replacement for Costco Kirkland sparkling water?
Replies: 25
Views: 2754

Re: SodaStream: a good replacement for Costco Kirkland sparkling water?

As I'm about to lug my canisters back to Bed Bath & Beyond yet again, I'm seriously contemplating about the DIY solutions mentioned above. Two main concerns are: -How large is the foot print? My kitchen is small, and the Soda Stream machine is currently located on a small kitchen bench (along with ...
by alfaspider
Tue Oct 22, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Any experiences (good/bad) with EasyJet for EU travel?
Replies: 24
Views: 1676

Re: Any experiences (good/bad) with EasyJet for EU travel?

My understanding is that EasyJet is more like Frontier/Spirit than the mainline carriers. I haven't flown them, but I've seen out the door lines at the check in counters where mainline carriers have none. They can provide some very cheap fares, but you can't fudge the luggage size restrictions and y...
by alfaspider
Mon Oct 21, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Home buying advice: Build new or buy used?
Replies: 76
Views: 5471

Re: Home buying advice: Build new or buy used?

1st choice would be an older house that hasn't been renovated. 2nd choice would be build new, watching every step of the process. 3rd choice would be buy new, turn key. Why is an older house with renovations not on your list? Thank you That ties for 3rd. I don't trust any trades work, but more conf...
by alfaspider
Thu Oct 17, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: SodaStream: a good replacement for Costco Kirkland sparkling water?
Replies: 25
Views: 2754

Re: SodaStream: a good replacement for Costco Kirkland sparkling water?

If you really want a lot of carbonated water at the cheapest price, get a homebrew CO2 bottle/regulator (~$200?) and a soda bottle adapter for it. keep the whole thing in the fridge or find a way to route the CO2 tube in to the fridge. CO2 refills are pretty cheap, I pay $15 or $20 to fill a 5lb bo...
by alfaspider
Thu Oct 17, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 4722

Re: What workout equipment to get?

I think it takes a special kind of person to utilize home cardio equipment on a regular basis. Most (myself included) find staring at a wall while jogging on a treadmill or elliptical way too boring to actually do regularly. Very few people don't have 45-60 mins/day of TV, audiobooks or podcasts th...
by alfaspider
Thu Oct 17, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 4722

Re: What workout equipment to get?

I think it takes a special kind of person to utilize home cardio equipment on a regular basis. Most (myself included) find staring at a wall while jogging on a treadmill or elliptical way too boring to actually do regularly. Very few people don't have 45-60 mins/day of TV, audiobooks or podcasts th...
by alfaspider
Thu Oct 17, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 97
Views: 7776

Re: Friend's car caught in flood ?

Saw him and the car yesterday - engine replaced for about $2,100. The check engine light is on, but the repair place said there was water inside some component - and it should go away after he drives the car - and that dries out. Car seems to be running fine, according to him. He and his wife have ...
by alfaspider
Tue Oct 15, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 4722

Re: What workout equipment to get?

I think it takes a special kind of person to utilize home cardio equipment on a regular basis. Most (myself included) find staring at a wall while jogging on a treadmill or elliptical way too boring to actually do regularly. I'd much rather just put on some running shoes or get on my bike. Or, in in...
by alfaspider
Wed Oct 09, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma buying a new house
Replies: 31
Views: 2657

Re: Dilemma buying a new house

It sounds like you're getting great advice on both sides, and the path you choose likely depends on your personal appetite for risk. I'm in the move first camp for reasons already stated. When it comes to selling your house quickly, the best Dave Ramsey advice I followed was how to choose a realtor...
by alfaspider
Wed Oct 09, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma buying a new house
Replies: 31
Views: 2657

Re: Dilemma buying a new house

This. It was awful to watch a co-worker have to sell his stock to pay for two houses. I'm in the position of owning two houses at the moment. Yes, if you can swing it, the way to do it is to sell house #1 first. But the problem was that we were looking for something very specific with the new house...
by alfaspider
Wed Oct 09, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma buying a new house
Replies: 31
Views: 2657

Re: Dilemma buying a new house

Of course the sell/buy being done on the same day is the ultimate best case. But who can do that? 8-) (hint...I did) In my opinion, second best is to sell, rent short term, then buy and move. Why? Because of personal experience with friends who overpriced their house to sell, bought the new, more e...
by alfaspider
Wed Oct 09, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma buying a new house
Replies: 31
Views: 2657

Re: Dilemma buying a new house

Of course the sell/buy being done on the same day is the ultimate best case. But who can do that? 8-) (hint...I did) In my opinion, second best is to sell, rent short term, then buy and move. Why? Because of personal experience with friends who overpriced their house to sell, bought the new, more e...
by alfaspider
Tue Oct 08, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Hillarious insight on having $5 Million
Replies: 14
Views: 4014

Re: Hillarious insight on having $5 Million

On a recent episode of "Succession" regarding inheriting $5 million. "Five's a nightmare...... Can't retire.....not worth it to work. Five will drive you un poco loco , my fine feathered friend. Poorest rich person in America The world's tallest dwarf......the weakest strong man at the circus." I l...
by alfaspider
Wed Oct 02, 2019 1:10 am
Forum: Personal Consumer Issues
Topic: Anyone replace an iPhone screen yourself?
Replies: 14
Views: 1095

Re: Anyone replace an iPhone screen yourself?

I attempted to do it once on a 6s with an ifixit kit. I'm generally pretty handy, but I do not have the steadiest of hands and found it an exercise in frustration. It did not help that I ordered just the screen (not the full front), which added a lot of extra work transferring the microphone and cam...
by alfaspider
Tue Sep 24, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3709

Re: Uber - first time user - will I get picked up

I've never used Uber before. Tomorrow morning I need to go the airport. ... The price differential is irrelevant. I'm interested in using the technology but a bit apprehensive. One alternative to Uber is using a car service like Execucar (a division of SuperShuttle) or Groundlink. Uber is great for...
by alfaspider
Tue Sep 24, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9559

Re: Physical activity suggestions for a non athletic youth

I’d ignore BMI. It’s an aggregate measure, not at all useful at the individual level. This is an excuse that overweight people use to stay overweight. BMI is useful for just about any person who is not extraordinarily strong. You'll know when it doesn't apply to you. It's far less useful than perce...
by alfaspider
Tue Sep 24, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9559

Re: Physical activity suggestions for a non athletic youth

I’d ignore BMI. It’s an aggregate measure, not at all useful at the individual level. This is an excuse that overweight people use to stay overweight. BMI is useful for just about any person who is not extraordinarily strong. You'll know when it doesn't apply to you. I'm not overweight, so I'm fair...
by alfaspider
Tue Sep 24, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Where do you buy parts for DIY Auto repairs
Replies: 46
Views: 3444

Re: Where do you buy parts for DIY Auto repairs

... oh well. i did discover harborfreight tools today. amazing prices. thanks to everyone for the help. I really need to be more patient and post here first :oops: Just a quick heads-up on Harbor Freight. Fine for some things relatively low-tech (hammers, some power tools, and so on.) But exercise ...
by alfaspider
Mon Sep 23, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Traveling to Riyadh for Business
Replies: 46
Views: 3932

Re: Traveling to Riyadh for Business

Claim your passport is expired. That’s what our work group does when undesirable travel is presented by management. Most places where international travel is part of the job, will tell you on Day 1 to keep your passport current. If it's expired, they'd tell you to renew it for the trip. You can get...
by alfaspider
Mon Sep 23, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9559

Re: Physical activity suggestions for a non athletic youth

The other thing that makes me more likely to exercise is if there is an adrenaline component to the sport. Adrenaline = fun. Have you thought about rock climbing? It's basically a fun way to strength train. It can be exhilarating for a youngster to "make it to the top" There are climbing gyms almos...
by alfaspider
Mon Sep 23, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 9945

Re: Retirement - Living in Colorado

How about the winter and ice and snow there for a retiree? The winter and snow make for great skiing for retirees! It's great to ski mid-week and only when the weather is perfect - which is most of the time. I always feel bad for the tourists that are out skiing when it's really coming down hard, o...
by alfaspider
Mon Sep 23, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9559

Re: Physical activity suggestions for a non athletic youth

One exercise motivation for me is that I can *do things.* A few years ago we went to the Grand Canyon, and walked down about six miles, then back up (total of 12 plus miles, we didn't go all the way to the bottom). Many folks, of course, go all the way down and back (or more) in a day. But we are n...
by alfaspider
Mon Sep 23, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9559

Re: Physical activity suggestions for a non athletic youth

I don't think 11 is too young for weight lifting. It could be confidence inspiring for a heavier kid, as people with heavier builds will likely lift more in absolute terms. He will probably see very rapid progress as he hits puberty. However, he should absolutely NOT start weight lifting without pro...
by alfaspider
Mon Sep 23, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 8106

Re: First car for child

Do not buy your kid an AWD car. Why not, other than cost? My closest calls as a new driver came from a RWD car in the snow. Obviously FWD won't spin like RWD, but AWD in inclement weather can be a safety feature. Having grown up in "snow country" - back when all vehicles were RWD - I believe the "k...