Search found 736 matches

by Slacker
Fri May 29, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 5943

Re: What will you NOT buy online?

Clothing
Produce
Used car
Used electronics
by Slacker
Mon May 25, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 160
Views: 12052

Re: If Jeep has such poor reliability, how come they are everywhere?

Marketing and the culture built around it. Kind of like Harley Davidson motorcycles. A family member lent me their Wrangler Rubicon for an errand once. It had off-road spec knobby tires and it was horrible to drive in the highway -felt unstable and squirrelly at 70mph. Nope, never borrowing their ve...
by Slacker
Mon May 25, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 120
Views: 9635

Re: Personal spending out of control after Covid-19

Our spending has been down about 10%.
We always worked from home and worked out at home, so no unintended weight gain.
by Slacker
Thu May 21, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3424

Re: Do you dislike recurring billing for gyms?

I dislike recurring billing for a gym membership (among other things such as people not wiping down benches from their sweat) so much that I built a home gym. The type of gym that would offer the equipment I wish to use costs enough to pay for my home gym after 4 years. However, I do allow autopay f...
by Slacker
Tue May 12, 2020 8:28 am
Forum: Personal Finance (Not Investing)
Topic: how much to charge for two large dogs at rental
Replies: 41
Views: 2526

Re: how much to charge for two large dogs at rental

My parents two (medium-small) size dogs have caused 5-figures of damage to their home; ruined all the downstairs carpet and scratched up new wood floors to name just a few things. My in-laws' shitzu destroyed the carpet in two rooms in their home. My neighbor also had to have their carpet replaced ...
by Slacker
Sun May 10, 2020 11:16 am
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13089

Re: Will "work from home" destroy the commercial real estate market?

My wife and I have been working from home for 5 years now. Love it, I don't think I could ever work in an office again. The thought of commuting into work to sit in an office keeps me from ever seeking employment outside of the government (even though it would be typical to get a 50-100% pay bump). ...
by Slacker
Sun May 10, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3148

Re: Is it worth buying an infant car seat for each car.

We had always just purchased an additional base for the infant carrier but had a single infant carrier. Typically, the baby was carried in the carrier out to the car, so regardless of vehicle -> the biggest portion would always travel with the baby to each respective car. Booster seats for forward f...
by Slacker
Thu May 07, 2020 9:12 am
Forum: Personal Consumer Issues
Topic: RV vacations for Post Coronavirus Traveling?
Replies: 16
Views: 1321

Re: RV vacations for Post Coronavirus Traveling?

I highly recommend your friend try a rental RV first to make sure before they buy.
by Slacker
Thu May 07, 2020 9:11 am
Forum: Personal Consumer Issues
Topic: RV vacations for Post Coronavirus Traveling?
Replies: 16
Views: 1321

Re: RV vacations for Post Coronavirus Traveling?

With the coronavirus situation now, he is actively look to get a used RV. With recession looming, there will be big discounts on the RV market. Safer to travel on than planes and better than a hotel room. Where is he going to stay? All of the campground in my state (and many others) are closed. Man...
by Slacker
Tue May 05, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Amica vs USAA Insurance
Replies: 27
Views: 1613

Re: Amica vs USAA Insurance

It's difficult to compare rates with USAA because they usually pay a dividend back annually to policyholders which reduces the effective cost of their coverage. The amount of the dividend is unpredictable, but is often significant. No complaints here about their service. I had forgotten about that ...
by Slacker
Tue May 05, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Amica vs USAA Insurance
Replies: 27
Views: 1613

Re: Amica vs USAA Insurance

I was with USAA for around 10yrs. Always seemed to provide good service and quick, satisfactory, claims resolutions. I switched to Amica 5 years ago and have received a similar level of customer service, but have never had to make a claim through them. However, I noticed recently just how much my ra...
by Slacker
Fri May 01, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3283

Re: How to I invest in the self-driving car industry?

Remember the pedestrian killed a couple of years ago because the software wasn’t written to account for them? Oops. The difficulty in software is the edge cases. And the big world out there is all edge cases. Anyone can write a chess program. That is finite. Even flying an airplane is easier becaus...
by Slacker
Thu Apr 30, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6608

Re: Has your budget changed? What items have you cut out?

Like many others, we are eating out way less. Movie expenses also decreased as we are now only streaming videos and no longer going to theaters. Our electricity costs are decreased (we always worked from home, but now with less driving we don't have to charge the electric car nearly as much) Grocery...
by Slacker
Wed Apr 15, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: There seems to be a big market for home fitness equipment
Replies: 24
Views: 1364

Re: There seems to be a big market for home fitness equipment

I would feel infinitely safer doing a 1-on-1 transaction with hard cash (and care as noted above) than I do going to the grocery store right now, especially the significant amount of time spent directly across from the cashier (who does that with hundreds of people a day). Grocery stores around her...
by Slacker
Tue Mar 31, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help for Landlords in the Stimulus Bills?
Replies: 198
Views: 13406

Re: Help for Landlords in the Stimulus Bills?

Here is a question: Can we enable tenants to pay us using a credit card so that they can put rent on a card? Anyone doing that? Many states won't let you pass on the credit card fees, so keep in mind that you may have to cover those transaction processing fees. After this is over, I'd not make a ha...
by Slacker
Mon Mar 30, 2020 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Help for Landlords in the Stimulus Bills?
Replies: 198
Views: 13406

Re: Help for Landlords in the Stimulus Bills?

You could try talking to your mortgage company.
by Slacker
Tue Mar 24, 2020 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: What have you learned from this situation that you will take action on?
Replies: 158
Views: 14396

Re: What have you learned from this situation that you will take action on?

1. Have at least 3-4 weeks supply of consumables on hand at all times. 2. Follow the urgings of my spouse to go ahead and horde like others instead of thinking it silly and just causes supplies to be disrupted for people doing their normal shopping, lest we become one of those just trying to buy sup...
by Slacker
Mon Mar 23, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: [TAX Q] Work from home status change from voluntary to mandatory
Replies: 6
Views: 442

Re: [TAX Q] Work from home status change from voluntary to mandatory

I thought that deduction was only for self employment, not as an employee (Turbotax also does not mention this deduction for non-self employment as far as I can tell) If I am wrong let me know. I have been working from home due to my employer making it mandatory ....and if I can deduct that, that w...
by Slacker
Mon Mar 23, 2020 9:10 am
Forum: Personal Finance (Not Investing)
Topic: [TAX Q] Work from home status change from voluntary to mandatory
Replies: 6
Views: 442

[TAX Q] Work from home status change from voluntary to mandatory

Hello, I've been working from home on a voluntary basis for 5 years now and as I understand it, I'm not allowed to take the home office deduction because I am working from home by choice and not by request of my employer. Recently, the entire work force has been told that work from home is now manda...
by Slacker
Mon Mar 23, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: deducting home office equipment?
Replies: 4
Views: 444

Re: deducting home office equipment?

I've been working from home for years and depreciating my office equipment (since I am not allowed to take the home office deduction as I voluntarily work from home). Am I in for trouble some time in the future? (I just reached the end of depreciation for all of my home office equipment). I only use...
by Slacker
Thu Mar 19, 2020 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Rent in the Time of Coronavirus
Replies: 78
Views: 2972

Re: Rent in the Time of Coronavirus

you assume your landlord will care. It depends on how much they have cash to weather this coronavirus out. If they can wait til someone shows up that will pay more than you, they will not give you a discount, prepare to walk away. They do have the cash but I'm not sure I follow the logic here. My g...
by Slacker
Thu Mar 05, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Installing solar - worth it?
Replies: 70
Views: 4122

Re: Installing solar - worth it?

My anecdotes: 4.5 yr old system Zero failures (knock on wood) Two hailstorms with zero damage Location: Colorado just outside Boulder ROI: we have no problem getting enough additional monthly rent to cover the monthly finance charge (2.99% interest rate, 12yr loan) vs comparable rental homes. Each y...
by Slacker
Tue Nov 19, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: What are you paying for car, home and umbrella insurance?
Replies: 35
Views: 2730

Re: What are you paying for car, home and umbrella insurance?

I don't know how relevant my answer is for you: Raleigh/Durham/Chapel Hill area of North Carolina 2 cars - one is a 2017 and has full coverage ($500 deductible on comprehensive and collision). Liability for both cars provides $250K coverage ($500K max for injury per accident). Uninsured/underinsured...
by Slacker
Mon Oct 28, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 106
Views: 8328

Re: Have you ever purchased a pricy musical instrument?

Electric guitar - Jackson "Randy Rhodes" offset V. Played it often, played a few bars. I can't remember how much I paid for it (20+ yrs ago). I no longer have that guitar though. At the time it was the most expensive purchase I ever made. Probably about double the cost of my Peavey amp and assortmen...
by Slacker
Fri Oct 25, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Are federal health benefits worth postponing early retirement?
Replies: 60
Views: 6552

Re: Are federal health benefits worth postponing early retirement?

mathwiz, I am facing this situation also. We have decided it is NOT worth postponing my early retirement. Here are our circumstances: I am 50. DH is 62. At age 52 (and a few months), I will have 30 years in the gov't. My MRA is 56 years and 10 months. DH is retired and on my health insurance. I pla...
by Slacker
Mon Oct 14, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: I thought Pyrex glass food storage containers were supposed to be durable?
Replies: 35
Views: 4257

Re: I thought Pyrex glass food storage containers were supposed to be durable?

I think they already know. Originally Pyrex was a trade name for special borosilicate glass which was temperature resistant because of low expansion. They apparently found tempered glass to be cheaper and whoever bought the trade name began using tempered glass instead. Good reason for not allowing...
by Slacker
Sun Oct 13, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 5524

Re: What workout equipment to get?

Would it be cost effective to buy gym membership? It's $25 a month for a national chain that you can also use while traveling. Lets do the math. 15 mins to get there each way 3x/week 50 weeks/year 50/hr opportuntiy cost = 3650/year and we haven't paid for membership or wear and tear on the car. The...
by Slacker
Tue Sep 17, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Worth it to upgrade 2nd car in 1.5 car household?
Replies: 28
Views: 2520

Re: Worth it to upgrade 2nd car in 1.5 car household?

You don't need to spend on a 3 row any vehicle with 2 kids. If you WANT, that is different. Source: Anecdotal experience having two teenagers (now in college) and having only ever owned and driven smaller sedans and hatchbacks (never an SUV, never a minivan or microvan). Vehicles were all the size o...
by Slacker
Mon Sep 16, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 34515

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

"For the most part, those of us who do teach do face a certain amount of backlash in posts from those outside of the profession when it comes to our discussions of pension, SS, 403b/457b, taxes. In spite of what we have at our disposal and strategies we use as educators, I do wish the discussion wo...
by Slacker
Fri Sep 13, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: How many years for each $250k of net worth?
Replies: 36
Views: 6420

Re: How many years for each $250k of net worth?

miamivice wrote:
Thu Sep 12, 2019 4:30 pm
My friends and I all agree, the first million was the hardest....
I've heard that your first billion is actually much more difficult to achieve...
by Slacker
Tue Jul 23, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bigger house?
Replies: 43
Views: 3609

Re: Bigger house?

OP, you can afford the house. I would do what makes you and your spouse happy. At 6M savings, you can payoff the house and still withdraw 3% of 4.5M for a long time. That would be 135k before taxes per year which a lot more than most people make. So, even if one of you decided to stop working, you ...
by Slacker
Mon Jun 10, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: W/O comp and collision, how does reimbursement from a not at fault accident work?
Replies: 20
Views: 1404

Re: W/O comp and collision, how does reimbursement from a not at fault accident work?

If you have uninsured/underinsured motorist coverage on your policy, then your insurance will pay for the damages when the at-fault party either has no insurance or doesn’t have enough (they cause damage higher than their coverage limits). Check with your insurance company for the state you reside ...
by Slacker
Fri May 24, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Prius Prime plug in
Replies: 22
Views: 2346

Re: Prius Prime plug in

I find our Prius Prime seats (faux leather) to be just fine on 4hr drives (which I rarely do, more likely to do a 2.5hr drive to the beach). Long car drives usually give me low back pain in most cars. The Prius Prime is a little better in this regard with the adjustable lumbar support. I don't know ...
by Slacker
Wed May 22, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Inexpensive way to gain weight
Replies: 54
Views: 2943

Re: Inexpensive way to gain weight

Probably one of the key things that you need to do (and for anyone that is trying to gain weight or lose weight) is to LOG EVERYTHING you eat! Most heavier people eat more than they think and most skinny people eat a lot less than they think. Write it all down for at least a week while monitoring yo...
by Slacker
Tue May 21, 2019 5:41 pm
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 52
Views: 5151

Re: Federal Gov't Early Retirement?

You don't need to be 60/62 to continue FEHB insurance. You DO need to be drawing the pension. Therefore, if you wish to maintain FEHB you MUST take an early (reduced) pension. This means that you must have at least 10 years of service (requirement for Early pension at your calculated minimum retirem...
by Slacker
Fri May 17, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 8240

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

In any case the largest single variables affecting risk in auto accidents are driver behavior*, which is under your control, and exposure in miles in a vehicle per year, which is also under a person's control to a degree. *alcohol/drug use, distracted driving, fatigue, reckless driving, inattention...
by Slacker
Tue May 14, 2019 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Situation for 28 year old
Replies: 16
Views: 1466

Re: Mortgage Situation for 28 year old

First, you aggressively paid down your mortgage. Now, you want to turn 12 years of payments into 30 years. I believe you need to take some time to think about what your goals are and how you plan to get there along with what is your comfort zone. It looks like you at one point placed a high value on...
by Slacker
Fri Apr 26, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Do Joint Accounts Matter if Spouse Stays Home with the Kids?
Replies: 31
Views: 2571

Re: Do Joint Accounts Matter if Spouse Stays Home with the Kids?

If after all bills are paid and the spouse's IRA is fully funded, you simply divide the remainder in 1/2 and provide one half to your spouse's personal account I don't see much wrong with keeping separate accounts. Seems to me that when both spouses earn around the same amount that you would be less...
by Slacker
Fri Apr 26, 2019 8:35 am
Forum: Personal Investments
Topic: 2,000,000. Now what?
Replies: 45
Views: 9974

Re: 2,000,000. Now what?

Hello I am 30 years old and my wife is 26. VOO = 1,800,000 Vanguard prime = 120,000 cash = 80,000 Investment rental #1 = $90,000 value/60,000 owed Investment rental #2 = $90,000 value/60,000 owed Investment rental #3 = $245,000 value/180,000 owed Investment rental #4 = $125,000 paid off We both als...
by Slacker
Fri Apr 26, 2019 8:32 am
Forum: Personal Investments
Topic: 2,000,000. Now what?
Replies: 45
Views: 9974

Re: 2,000,000. Now what?

Wow, Congrats! You must have been investing a ton every year to now have $2M in 9 short years!? I would work only as much as I wanted to. Sometimes starting a business requires a lot of hours, is that what you want to do? Or may be, just may be, OP started with 1.5M at age 21 ?? Not by their previo...
by Slacker
Fri Apr 26, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 19131

Re: Whats the Point of Climbing the Corporate Ladder?

I look for challenges in the next engineering problem to solve. I've made the move to management before. It was horrible for me (despite the additional pay), because the job became very boring. Solving the technical questions at the individual level was more exciting for me as opposed to directing a...
by Slacker
Wed Apr 24, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: When is it worth it, and not, to live in a (very) high COL region?
Replies: 31
Views: 3089

Re: When is it worth it, and not, to live in a (very) high COL region?

So when is it not worth it to live in a very HCOL region? I would think if: 1. You don't really visit your family that often (only holidays, birthdays). Easy enough to fly/drive in from a nearby lower cost area for such infrequent get togethers. 2. You can get paid reasonably similar to what you get...
by Slacker
Fri Apr 19, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 3973

Re: The reality of borrowing from your 401k for home mortgage

Want to add another factor I just heard on NPR: You don't currently know where your fiancee will be working. The NPR podcast claimed going from no commute to a 1 hour commute is the equivalent negative effect on happiness as suddenly becoming unemployed. Based on this, perhaps you need to wait so yo...
by Slacker
Fri Apr 19, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 3973

Re: The reality of borrowing from your 401k for home mortgage

Wait for wedding and fiancee to have an actual job. Meanwhile keep saving.

27 is still young for buying a house.

5% downpayment -> make sure you add PMI into your monthly housing cost.
by Slacker
Tue Apr 16, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 11926

Re: seriously thinking about leaving S. CA but where to?

Had a call back from the Arizona realtor. Based on my preference for the least hottest area and low crime, she suggested Flagstaff, Prescott or Scottsdale. But the nasty scorpions are indigenous of AZ.... Looking at Henderson and Summerlin but not sure if I can live there during the summer months. ...
by Slacker
Mon Apr 08, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Term Life Insurance?
Replies: 56
Views: 4251

Re: How Much Term Life Insurance?

So if I understand correctly: Him: 140K income Her: 48K income Expenses: 40K Debt: 0 (paid off house) 529 plans: $20K each child Liquid assets: $1.6M (approx) with $1M in Taxable accounts Lets say He passes away...and she maintains her job -> all expenses could be met without touching assets. Colleg...
by Slacker
Mon Apr 08, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Should I regularly replace the water filter in the fridge?
Replies: 50
Views: 4482

Re: Should I regularly replace the water filter in the fridge?

If your tap water tastes good, then there is zero reason to use a filter in your refrigerator, unless it won't operate without one. You can't taste stuff such as PFOA and PFOS that may be in your drinking water from the tap. An activated carbon filter (such as refrigerator filters have) can remove ...
by Slacker
Sat Apr 06, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Is our household budget crazy?
Replies: 141
Views: 13823

Re: Is our household budget crazy?

Aldi does have great prices... My wife thinks they are gross though, so I have to be very selective about what I get there. For example, something about their chicken breasts tend to have more scar tissue or other little tougher areas vs getting chicken breasts at the local Kroger branded store. On ...
by Slacker
Wed Apr 03, 2019 10:10 pm
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 44
Views: 5166

Re: Best enhancement for folks who work from home

Bob Sacamano wrote:
Tue Apr 02, 2019 9:09 am
those that work from home frequently, what field are you in?
Engineering / Legal
by Slacker
Wed Apr 03, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations for Rent v Buying for 4-year stay
Replies: 16
Views: 1542

Re: Considerations for Rent v Buying for 4-year stay

... And this is before we account for closing cost on buying and commission when selling (so another $24k for each)... Purchasing closing costs are going to be nowhere near $24,000...even if you are using a VA loan, on your second home and paying the entire funding fee ahead of time. Try closer to ...