Search found 171 matches

by gmc4h232
Sun Sep 16, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5144

Re: 38% pay cut for dream job?

You are crazy to take a 38% pay cut, more so with kids on the way. You might think you'll get sent to Paris or some cushy assignment. It's more likely you get sent to some **** country, with bad air quality, poor sanitation, unsafe water, and kidnapping and terrorism risks. If you get sent to a cou...
by gmc4h232
Thu Sep 13, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4194

Re: I need a chainsaw to trim branches and limbs!!

Would recommend Stihl MS 880
by gmc4h232
Sun Sep 02, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: bench vise recommendation
Replies: 20
Views: 1292

Re: bench vise recommendation

Not coming from the technical side of it: If #1 fills the need at the greatest value then why not choose that one? Are you sure your heirs will appreciate or cherish the tools you’ve used? I’ve seen that situation go both directions. By all means if you want something “nice” then go for it but I wo...
by gmc4h232
Sun Sep 02, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: bench vise recommendation
Replies: 20
Views: 1292

Re: bench vise recommendation

What jaw width and opening capacity are you looking for? 5” & 7” respectively hence the C2? And do you have to have the pipe clamp? C2’s are massive (100 lbs) and as you know big money. Probably why I haven’t seen any used ones in my travels. 800 is probably about right for used. PS. - your heirs wo...
by gmc4h232
Sun Sep 02, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: bench vise recommendation
Replies: 20
Views: 1292

Re: bench vise recommendation

Please don’t buy HF or other Chinese junk vise. Craftsman likely falls into this category these days.

Buy you a nice vintage piece of American iron.
Here is a short list of quality older American vises:
Wilton
Prentiss
Columbian
Yost
Reed
Parker
by gmc4h232
Sun Sep 02, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: bench vise recommendation
Replies: 20
Views: 1292

Re: bench vise recommendation

WILTON!

Keep an eye out on Craigslist. You should be able to find a nice older one for less than $400

Recently bought a nice 450sj at auction for 250. Sold for 800 on eBay. So it can be done
by gmc4h232
Sun Aug 26, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: bank safety deposit box alternative
Replies: 17
Views: 1566

Re: bank safety deposit box alternative

Bury in the back yard
by gmc4h232
Thu Aug 23, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Circuit breaker stays tripped
Replies: 29
Views: 2733

Re: Circuit breaker stays tripped

I don't think there's a GFCI outlet to that area of the house and I'm guessing there's a short someplace. Should I try/test anything else before calling an electrician? I would look again. I had the same thing you had and there was an outlet hidden underneath a porch. I don’t understand how the pre...
by gmc4h232
Sun Aug 12, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Mid 30s Crisis: Personal budget, savings and goals
Replies: 36
Views: 7276

Re: Mid 30s Crisis: Personal budget, savings and goals

jharkin wrote:
Sun Aug 12, 2018 7:03 am
It’s actually 98-99the percentile if you look it up.
Where do you look it up?
by gmc4h232
Sat Aug 11, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8060

Re: Should I tell my family/friend that they are making a financial mistake?

How would you feel if I told you that jack bogle is wrong - about EVERYTHING? Take that feeling and assume that that is how folks feel when you give them unsolicited financial advice. Does that answer your question? If someone tells me I'm wrong about something, I always listen. A logical explanati...
by gmc4h232
Sat Aug 11, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8060

Re: Should I tell my family/friend that they are making a financial mistake?

How would you feel if I told you that jack bogle is wrong - about EVERYTHING? Take that feeling and assume that that is how folks feel when you give them unsolicited financial advice. Does that answer your question?
by gmc4h232
Sat Aug 11, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7693

Re: Rude response from boss re: market adjustment

If you would’ve had this conversation face to face instead of via email, then i suspect the theme of this post would be much different.....
by gmc4h232
Thu Aug 09, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 111357

Re: Anyone regret paying off mortgage early?

I'm paying a 30 on a 15 year schedule, the rate is 3.875%. I'm 6 years into it, haven't regretted it yet, even through this crazy bull run. I haven't regretted it because I still max out my retirement space, and still do sizable taxable investing. I think this question doesn't make sense in a vacuu...
by gmc4h232
Wed Aug 08, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7454

Re: Minivan Vs SUV Experience

I think you are delusional if you think anyone cars about what you are driving. Nobody cares:). And frankly most "suvs" aren't remotely cool. Nobody looks at someone in a pilot, RX350, highlander, and so on and goes cool car. Seriously go ask 100 people to tell you what a cool car is and you aren't...
by gmc4h232
Tue Aug 07, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 111357

Re: Anyone regret paying off mortgage early?

The argument can be made (and maybe it already has been) that paying off the mortgage early is a form of market timing.

Yes it looks like a poor decision now, but nobody would regret paying their mortgage off early if the market trends of the past 9 years had been reversed.
by gmc4h232
Tue Aug 07, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 111357

Re: Anyone regret paying off mortgage early?

I regret it from a mathematical standpoint. On track to payoff a 3.5% 15 yr mortgage next year, and will continue to make double monthly payments until then. Completely illogical. Oh well. Once it’s paid off I do plan to take that money and invest it FWIW. It would be cool to know how much it has co...
by gmc4h232
Sat Aug 04, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7454

Re: Minivan Vs SUV Experience

The term “sport utility vehicle” is used very loosely these days and applied to vehicles that provide neither sport nor utility. I think the marketing people just saw the light in the 90s that folks wanted a way to haul kids around without looking like a schmuck in a minivan. Most SUVs today are jus...
by gmc4h232
Thu Aug 02, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3403

Re: What’s your Value Colombian coffee?

Folgers Colombian is my daily drinker. Hard to beat imho
by gmc4h232
Thu Aug 02, 2018 5:54 am
Forum: Investing - Help with Personal Investments
Topic: How do you convert an index mutual fund to ETF with Vanguard
Replies: 4
Views: 612

Re: How do you convert an index mutual fund to ETF with Vanguard

Ive converted VTSAX (Total Stock Admiral Class) to VTI (Total Stock ETF) for donation purposes by calling vanguard directly and asking them to convert a specific tax lot. This conversion is not a taxable event while selling one and buying another is a taxable event if held in a taxable account. You ...
by gmc4h232
Fri Jul 27, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: Crabgrass weed killer
Replies: 16
Views: 1367

Re: Crabgrass weed killer

Since crabgrass is an annual, it is best controlled with a pre-emergent in the early spring before the seeds from the previous year sprout. This is usually a bagged product that contains prodiamine (barricade is a brand name). These products do not stay effective all year and require a reapplication...
by gmc4h232
Thu Jul 26, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Buying a Gold Coin online for future Jewelry
Replies: 25
Views: 1255

Re: Buying a Gold Coin online for future Jewelry

Are you sure you want to make this out of 24kt gold? Gold is typically alloyed with other metals to increase the strength. 24kt gold is pretty soft and prone to scratches, dents, bends, etc. Also, you might consider platinum over gold based on current scrap prices. Just a thought. Purity isn’t as mu...
by gmc4h232
Thu Jul 26, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2699

Re: Flooring: Hard wood vs Ceramic Tile that looks like wood

Tamarind wrote:
Wed Jul 25, 2018 9:23 pm
I love the wood-look tile, but I have no idea if it will be considered an awful fad in 20 years.
This
by gmc4h232
Mon Jul 23, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9808

Re: Dealing with HOA Notice

Sounds like you’re gonna have to move. I really don’t see any other solution. Good luck selling your house with such flagrant violations.
by gmc4h232
Mon Jul 23, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 56394

Re: Flaunt Your High-Mileage Car

Just bought 2008 Chevrolet Silverado w 211,000 miles on it. I contributed about 250 of these miles before purchasing.
by gmc4h232
Mon Jul 23, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Guilt at buying nice things for myself
Replies: 28
Views: 3774

Re: Guilt at buying nice things for myself

If you can make a little money by selling these items if you find yourself in need, then I dont see an issue. To me, it is a lot easier to justify buying certain items if you do your homework and buy them right. This is hard to do on things like new cars and other retail items. These are the things ...
by gmc4h232
Thu Jul 19, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 5293

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

mak1277 wrote:
Thu Jul 19, 2018 1:03 pm
Am I the only one interested in what watches are in the collection? :)
+1 lets have the list! I’ll break the ice with my “collection”:

Oris 7720
Seiko 7N43-0AZ0
by gmc4h232
Sun Jul 15, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Need to generate income
Replies: 27
Views: 2693

Re: Need to generate income

Any opportunity to sell small stuff on eBay? Minimal physical effort required.
by gmc4h232
Sun Jul 15, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Inlaws need $50k loan for new home, hard time finding lenders
Replies: 17
Views: 2462

Re: Inlaws need $50k loan for new home, hard time finding lenders

Are they subtly implying that they want you to loan them the money?

My inlaws are one payment away from repaying the loan we gave them to buy their house 5 yrs ago near us...
by gmc4h232
Sat Jul 14, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14488

Re: Early retirement

Spouse is trying to spend more so I may work more and compete with others and own more than others in her circle(and she can post more pictures on social media) - apparently that is success to her. I feel for you. This is a systemic problem that grew with social media. Good luck overcoming that one...
by gmc4h232
Sat Jul 14, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14488

Re: Early retirement

Spouse is trying to spend more so I may work more and compete with others and own more than others in her circle(and she can post more pictures on social media) - apparently that is success to her. I feel for you. This is a systemic problem that grew with social media. Good luck overcoming that one...
by gmc4h232
Sat Jul 14, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14488

Re: Early retirement

I retired early. I've had some very interesting interactions with people when they find out I've done so. Some are socially awkward, some rude, some confused and other bizarre reactions. Has anyone else experienced what I have? Yes, I have experienced all of the above. I retired at 55. The first re...
by gmc4h232
Sat Jul 14, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14488

Re: Early retirement

Spouse is trying to spend more so I may work more and compete with others and own more than others in her circle(and she can post more pictures on social media) - apparently that is success to her. I feel for you. This is a systemic problem that grew with social media. Good luck overcoming that one...
by gmc4h232
Thu Jul 12, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 7086

Re: Costco Membership

Nowizard wrote:
Thu Jul 12, 2018 4:23 pm
Have a Costco member give you a gift card for a purchase, reimburse them and go without a membership. I believe this is allowed based on just making a Google search.

Tim
Shhhhhh! Greatest life hack I know of. Not supposed to talk about this in a public forum!
by gmc4h232
Mon Jul 09, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3612

Re: Any kayakers here?

I aspire to be a kayak fisherman but havent taken the plunge...
by gmc4h232
Mon Jul 09, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 4074

Re: Flooring for New House

The product you linked to is just laminate flooring. Laminate shows scratches really bad.This cant be fixed without replacing the section. Agree that it looks tacky in a higher end residential setting. It also has a distinct sound when you walk on it. In my head I just hear "cheap cheap cheap" with...
by gmc4h232
Mon Jul 09, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 4074

Re: Flooring for New House

The product you linked to is just laminate flooring. Laminate shows scratches really bad.This cant be fixed without replacing the section. Agree that it looks tacky in a higher end residential setting. It also has a distinct sound when you walk on it. In my head I just hear "cheap cheap cheap" with ...
by gmc4h232
Sat Jul 07, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5845

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Cabin air filter costs $15ish. Located behind glovebox. Squeeze in sides of glove box and it will swing down out of the way exposing the filter. Easy as pie. Takes 5 mins
by gmc4h232
Thu Jul 05, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9714

Re: What time do you get up in the morning?

I often get up at 5 am whenever possible. I find I get a lot more done when I start early before other household members (I especially like to get up early on weekends since everyone else sleeps later then). Early exercise and reading are favorite activities, also quiet housekeeping (a vacuum would...
by gmc4h232
Thu Jul 05, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: paying off mortgage while I have high income?
Replies: 11
Views: 2014

Re: paying off mortgage while I have high income?

Just an aside, don’t fall into the trap of thinking the deductibility of mortgage interest justifies keeping the mortgage.

By that logic one should refinance to a higher interest rate to get a greater deduction.
by gmc4h232
Mon Jul 02, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 16120

Re: Retirement Destination - are you happy with your choice?

Come on down to RVA this week and you can experience first hand the oppressiveness of the current heat and humidity. It is about as bad as it gets at the moment. I do love it here but I can’t stand this current weather. The mosquitoes have been quite bad at my house this year as well due to recent h...
by gmc4h232
Mon Jul 02, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 4080

Re: Neighbor's drainage issue causing problems

Who’s property is the drain on? If it’s on yours, you can have the line cameraed easily enough to look for root intrusion, pipe collapse, or other potential clogging culprits. Public works may camera the line for you when they come out to take a look.
by gmc4h232
Fri Jun 29, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 220
Views: 35824

Re: ALLY BANK savings account RATE increase 1.75%

Call me a rate chaser, but I just moved all ally money except a nominal amount for bills to vanguard prime money market yesterday...I figured this would happen.
by gmc4h232
Mon Jun 25, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Water leak when it rains - older Camry
Replies: 25
Views: 1552

Re: Water leak when it rains - older Camry

get on your back and open the front doors and check that the door drain weep holes on the bottom side of the door arent plugged. water is supposed to get inside the door between the window and the door but the weep holes in the bottom of the door allow it to escape. just saw post above. more likely ...
by gmc4h232
Tue Jun 05, 2018 6:34 am
Forum: Investing - Help with Personal Investments
Topic: What are you doing with cash?
Replies: 82
Views: 10590

Re: What are you doing with cash?

Dont you have to reduce the yield of money market funds by the fund's expense ratio to determine the annual percentage yield? Or does the SEC yield amount already take the ER reduction into account?

VMRXX: 1.97% SEC Yield - 0.10% ER = 1.87% APY??
by gmc4h232
Sun May 20, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 273645

Re: Best watch for around $5,000?

I used to be the first one to say nice watches are a waste of money, but a friend of mine got me into them (dang peer pressure). I just sold a bunch of collectibles on eBay to finance an Oris Divers 65 on stainless bracelet for $1,000 on eBay. Keeps excellent time for an automatic watch. I spent a l...
by gmc4h232
Wed May 09, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6262

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

Just turn the hose on the dog. If that fails, turn the hose on the neighbor....One of them should get the hint.

Otherwise you might consider moving.
by gmc4h232
Thu May 03, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: How old is too old for a vehicle, even for a well running one ?
Replies: 83
Views: 5648

Re: How old is too old for a vehicle, even for a well running one ?

For one, you never know when something might fail due to age and become an expensive repair. The person driving an old car might be taking a chance, as it is much more likely for a 15 + car to break down than a newer one. I would argue that failure is more likely to be caused by lack of/improper ma...
by gmc4h232
Mon Apr 30, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Trout Fishing
Replies: 4
Views: 655

Re: Trout Fishing

small mepps, panther martins, and rooster tails on ultra light rod.

https://www.mepps.com/information/trout ... nt/454#K1D
by gmc4h232
Sun Apr 15, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 2207

Re: Having Child; Car Purchase maybe?

Why buy a new car when the kid will just trash it? Let them trash the old car.
by gmc4h232
Wed Apr 11, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 4399

Re: Help with shared child being spoiled

ddurrett896 wrote:
Wed Apr 11, 2018 5:22 pm
My thinking was to maybe tie it to a job. For example, he asks for a $5 toy and the response is "ok but it's going to cost you 2 bags of raked leaves when we get home."
Get the 2 bags of raked leaves up front, and btw you can fit a lot more leaves in a bag if they are ground up....just sayin