Search found 169 matches

by FeesR-BullNotBullish
Mon Jun 22, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising to sale price
Replies: 41
Views: 4970

Re: House not appraising to sale price

Happened to us. The appraisal was about $7k lower than the list price which was $179k if I remember correctly. Our realtor was very experienced and pulled out all the stops to get a favorable appraisal. I believed the appraised value was accurate, so we lowered the price and sold our house.
by FeesR-BullNotBullish
Sat Jun 13, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: caulk puncture tool ?
Replies: 71
Views: 3799

Re: caulk puncture tool ?

Katietsu wrote:
Fri Jun 12, 2020 1:30 pm
The metal skewer in my kitchen drawer meant for barbecuing would be perfect.
mmm, hosting a bbq anytime soon? :sharebeer
by FeesR-BullNotBullish
Fri Jun 12, 2020 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Crazy Times: Should Digital Nomads Live in Their Rental House or Carry On?
Replies: 15
Views: 1627

Re: Crazy Times: Should Digital Nomads Live in Their Rental House or Carry On?

Just do what's in your hearts. Financially the best plan is to live in Birmingham. But if that's not where you want to be, then you have the means to be in AZ. Why are you in such a hurry to buy? Can you stay in your rental for a year or two?
by FeesR-BullNotBullish
Thu Jun 11, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: 2 cars, one driver. Should I sell one?
Replies: 45
Views: 3030

Re: 2 cars, one driver. Should I sell one?

I'd sell one. Personally, the hassle of keeping up two cars is not worth the convenience of having a spare. Based on the responses, there doesn't seem to be a huge difference regarding which car to sell. Which car do you enjoy more?
by FeesR-BullNotBullish
Thu Jun 11, 2020 12:09 pm
Forum: Investing - Theory, News & General
Topic: Paychex/Gusto/ADP vs a la carte
Replies: 7
Views: 320

Re: Paychex/Gusto/ADP vs a la carte

I use Gusto, and I've been very happy with it. I have a simple business, and I do not offer benefits. I think Gusto's strong point is that it was designed to be used online and has a very nice interface and good support capabilities. It was also significantly less expensive when I was shopping aroun...
by FeesR-BullNotBullish
Wed Jun 10, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: how much to tip painters
Replies: 66
Views: 4334

Re: how much to tip painters

Wife and i got our painters a couple dozen donuts to enjoy on their last day at our house. I think the painters appreciated the gesture, but unfortunately they didn't touch the donuts and we indulged way too much that night. :oops:
by FeesR-BullNotBullish
Wed Jun 10, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: New construction house - what to consider?
Replies: 160
Views: 9596

Re: A few things

Bogle7 wrote:
Wed Jun 10, 2020 2:41 pm
4. All bathroom fans upgraded for volume and quietness.
I'll disagree on this one. When it comes to bathroom fans, I think the louder they are the better.
by FeesR-BullNotBullish
Wed Jun 10, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: New construction house - what to consider?
Replies: 160
Views: 9596

Re: New construction house - what to consider?

I don't know if you guys are pet people, but a raised dog bath can be a real back saver.
by FeesR-BullNotBullish
Mon Jun 08, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Anyone have luck with a Goodyear Tire warranty?
Replies: 10
Views: 694

Re: Anyone have luck with a Goodyear Tire warranty?

They tried to weasel out of my warranty because I didn't get enough rotations. The reason I didn't get enough rotations is because the tech examined the wear and recommended against a rotation once or twice. I wrote a letter to Goodyear and was pleasantly surprised they came through. The guy at Disc...
by FeesR-BullNotBullish
Sat Jun 06, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Pet (health/vet) insurance...
Replies: 26
Views: 1462

Re: Pet (health/vet) insurance...

I recommend against pet insurance. Like anything else you need to be on top of the limitations and exclusions of the policies which are designed for the insurance company to come out ahead. I had a policy from Petplan which I determined was the most thorough coverage we can get in no small part beca...
by FeesR-BullNotBullish
Thu Jun 04, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

a lot of assumptions are being made with the purchase of my wife's car. she was coming up on the end of a lease. we mutually decided to purchase something. it was both of our decisions. i don't regret it but i know it wasn't done with the Boglehead mentality (hence the "i know..." as i knew i'd be ...
by FeesR-BullNotBullish
Wed Jun 03, 2020 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

Your post almost reads like a humble brag. Do you know how many couples with first kid on the way would envy your financial and vehicle situation? It's ok to have nice, new, safe vehicles. Enjoy your rides. Zoom Zoom.
by FeesR-BullNotBullish
Mon Jun 01, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Selling a house - should it be staged or left empty?
Replies: 48
Views: 4209

Re: Selling a house - should it be staged or left empty?

Our house was simply and tactfully staged when we bought it. There weren't any big pieces of furniture - just a couple poufs, a side table, some things on the built in shelves, a couple wall hangings, a few artificial plants inside and on the front porch, and kitchen stuff in the kitchen. The stagin...
by FeesR-BullNotBullish
Mon May 25, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13773

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

I'm not a car guy, so I prefer boring and reliable. However wife has always itched for a Wrangler, and this thread is opening my eyes. I appreciate the insightful comments from the Jeep cult.
by FeesR-BullNotBullish
Sat May 23, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10833

Re: Personal spending out of control after Covid-19

We are putting off some home improvements due to the uncertainty of our employment situation. We've been spending more on groceries and less on eating out. I enjoy being outside, so I am spending more on gardening. I'm indulging baking. Overall I let my diet slip. I'm trying to combat that by buying...
by FeesR-BullNotBullish
Sat May 23, 2020 3:23 am
Forum: Personal Consumer Issues
Topic: Should I pay $1,600 for this lawn care fix?
Replies: 56
Views: 5548

Re: Should I pay $1,600 for this lawn care fix?

Another vote to go for it. I agree with others to wait for the optimal season. Also consider another bid or two. Not just for price but each company has their own methodology and someone else’s approach might make more sense.
by FeesR-BullNotBullish
Thu May 21, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Frequency of bike overhaul or tune up
Replies: 29
Views: 1767

Re: Frequency of bike overhaul or tune up

I don't understand the overhaul vs tuneup question. I take mine to a local bike shop and let them go to town. I've had two tune ups. The first time was about $160 and the second time was a bit over $100. Money well spent. Maybe I can diy, but these things are always tougher than people say. It's eas...
by FeesR-BullNotBullish
Thu May 21, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3618

Re: Do you dislike recurring billing for gyms?

It's annoying, but you've gotta play by their rules if you want to join. FWIW, I was pleased with LA Fitness when I was a member. It seems that once i opened the door for gyms to auto charge my account, it was easier for me to allow other businesses to do the same. It hasn't resulted in me being rip...
by FeesR-BullNotBullish
Sat May 16, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Cancel for any reason - travel insurance
Replies: 21
Views: 1271

Re: Cancel for any reason - travel insurance

Another recommendation for tripinsurancestore.com. Their web site has great information about cases where you can and cannot make valid claims against your insurance policy. You can call and they'll walk you through all of your questions. It seems like a fairly small operation, and a human almost al...
by FeesR-BullNotBullish
Tue May 12, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: How to visit all the US national parks
Replies: 19
Views: 2149

Re: How to visit all the US national parks

Know the right season for the parks. The California parks are best to visit in spring. Alaska is obviously a summer destination. This is good advice. For me the right season balances weather with fewer crowds. I recommend visiting the Arizona, Utah, and Colorado parks in late winter or early spring...
by FeesR-BullNotBullish
Tue May 12, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5511

Re: What are your alternative plans this summer if it was travel?

Travel is highly rewarding, but it significantly disrupts life. I spend a lot of time planning my trips and reserving events, flights, trains, hotels, and hostels. Travel to Europe affects my circadian rhythm. When I return home, I have to readjust my sleeping schedule and catch up with what I have...
by FeesR-BullNotBullish
Fri May 08, 2020 10:58 am
Forum: Personal Consumer Issues
Topic: Cross Country Drive-Best route? Safest way to do it?
Replies: 40
Views: 3826

Re: Cross Country Drive-Best route? Safest way to do it?

For 2 vehicles, we've used those inexpensive paired "walky talkies", work fine. We did this as well. I was amazed how much more convenient and clear these were compared to cell phones. It also adds an element of fun and novelty. Be sure to charge them asap when you get to your destination for the n...
by FeesR-BullNotBullish
Mon May 04, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: Is it difficult to hang upper cabinets?
Replies: 16
Views: 1151

Re: Is it difficult to hang upper cabinets?

My biggest tip is to be patient. This is a project I'd tackle, but I always think these things will take a couple hours and they end up occupying half a day or longer.
by FeesR-BullNotBullish
Sat May 02, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16641

Re: Neighbor’s contractor wants to access our property

I'm normally nice and accommodating, but the tone of the contractor's letter is so incredibly arrogant and self entitled that I would put up as much resistance as I legally can. The letter you received justifies a note to your city council person, state rep, zoning people and the lot. Talk to your n...
by FeesR-BullNotBullish
Fri May 01, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: New Grad's Housing Question
Replies: 15
Views: 650

Re: New Grad's Housing Question

I vote for option 1 - unfurnished apartment, buy furniture. Just shop once for items you like. You only have a year in each locale, so why spend valuable time furnishing a new apartment every time you move? When it comes time to move, you can rent a U-Haul and a trailer to tow your car. You can hire...
by FeesR-BullNotBullish
Tue Apr 28, 2020 9:13 am
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 3137

Re: What is a Boglehead? Some Fun.

A Boglehead is somebody who appreciates value and simplicity except when it comes to shopping where we wax poetic on everything from cars to appliances to coffee.
by FeesR-BullNotBullish
Mon Apr 20, 2020 8:12 am
Forum: Personal Consumer Issues
Topic: Should I give blood now?
Replies: 23
Views: 1470

Re: Should I give blood now?

I called my local donation center last week, and they said they were booked through May 18. Thanks to this thread, I will try to get a slot at the Red Cross.
by FeesR-BullNotBullish
Thu Apr 16, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 226
Views: 27467

Re: Please share some lifestyle creep you regret.

Expensive travel: Before we met, DW and I were both budget travelers, and now there's no end to whipping out the credit card. My wife enjoys the design and amenities of higher end places, but I prefer to find places that are "nice enough" so to speak. After all, we're spending most of our time on th...
by FeesR-BullNotBullish
Wed Apr 15, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Convince me - for or against bigger home
Replies: 92
Views: 5510

Re: Convince me - for or against bigger home

It's just DW and I, and we love our 2700 sq ft house. The space is especially nice during this pandemic because we both have nice offices in completely separate areas - hers is upstairs and mine is in the basement. There's plenty of space and stairs to exercise the dog inside. We do love being outsi...
by FeesR-BullNotBullish
Tue Apr 14, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18590

Re: So what are you cooking

Last night, I made Charred Vegetable Ragù from my Food & Wine magazine. It turned out great and is a special treat for mushroom lovers. I'll continue to enjoy it for the next couple days thanks to leftovers.

Here's a link: https://www.foodandwine.com/recipes/cha ... table-ragu
by FeesR-BullNotBullish
Mon Apr 13, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Help Fix My Lawn!
Replies: 31
Views: 2458

Re: Help Fix My Lawn!

I recommend a minimal approach this year to see if you like the results. For me that means regularly applying fertilizer and spot treating especially bad areas with seed. If you're displeased, then you have plenty of time to plan for 2021. Fertilizer recommendation: I've had success with the Scotts ...
by FeesR-BullNotBullish
Fri Feb 28, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: Tear off Roof vs. Overlay?
Replies: 33
Views: 1990

Re: Tear off Roof vs. Overlay?

I vote tear off even if you're selling. I backed out of a house partly because the inspector noted it had (three!) layers of roof. If I ever go house hunting again, I'd probably pass on a house with more than one layer. The second layer is just enough for me to ask, "What else is the homeowner cutti...
by FeesR-BullNotBullish
Thu Feb 06, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 3747

Re: New Grad with fashion design degree looking for job in that field

Is she willing and able to make very little for the first few years of her career? I think there are well paying jobs in fashion design, but you have to pay your dues. Also, she might consider looking for opportunities abroad. International jobs abound for recent college grads. They might be short t...
by FeesR-BullNotBullish
Tue Oct 15, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Invited to join HOA board. Pros/cons?
Replies: 58
Views: 5198

Re: Invited to join HOA board. Pros/cons?

My previous HOA was headed towards bankruptcy when I moved in (ALWAYS LOOK AT FINANCIALS BEFORE YOU MOVE INTO AN HOA COMMUNITY!!!). When I joined the board, with the help of a mentor, we replaced the incompetent management company and the overpriced landscaping company. Within a few months we were b...
by FeesR-BullNotBullish
Wed Oct 09, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma buying a new house
Replies: 31
Views: 2895

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 FeesR-BullNotBullish
Fri Sep 27, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: New iPhone or iPhone 7 for ~$130
Replies: 16
Views: 1535

Re: New iPhone or iPhone 7 for ~$130

I've had good and bad experiences with screen repairs. I recommend you go to a place that specializes in screen repairs rather than say a battery store that offers screen repairs as an auxiliary service.
by FeesR-BullNotBullish
Thu Sep 19, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 36
Views: 5078

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

My wife and I just had two sofas delivered from www.article.com . We find them stylish and comfortable. Highly recommend. It's funny you mention that, their name comes up a lot but I initially didn't see anything I liked. However, now both the Burrard and, surprisingly, the Ceni jump out at me as p...
by FeesR-BullNotBullish
Thu Sep 19, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 36
Views: 5078

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

My wife and I just had two sofas delivered from www.article.com. We find them stylish and comfortable. Highly recommend.
by FeesR-BullNotBullish
Wed Aug 21, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Trip to Costa Rica
Replies: 16
Views: 1779

Re: Trip to Costa Rica

My wife and I went in January. Unlike many people, our goal was to do as little as possible. We flew into Liberia and stayed a night there. Next day, we had Enterprise pick us us, and we drove to Playa Guiones. I got lost. Wife got mad. Probably best not to take the scenic route when everybody at En...
by FeesR-BullNotBullish
Mon Aug 19, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Check the restrictions on the out-of-pocket maximum on your health insurance policy
Replies: 20
Views: 1837

Re: If you have an HDHP, check the restrictions on the out-of-pocket maximum

Thank you for the PSA. My wife and I always opt for the most comprehensive plan her company offers. I feel this minimizes the "Haha you didn't know your in-network hospital has out-of-network doctors" gotchas and other such nonsense. I know this strategy doesn't completely protect us from extortion ...
by FeesR-BullNotBullish
Tue Jul 30, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 12518

Re: House not selling

Any opinions on whether or not to paint stained wood trim white? The realtor said it will sell house faster. What an invovled process. Any help relly appreciated Thanks, Duane Wife and I just had our house's interior painted which included painting the stained wood trim white. Total project cost wa...
by FeesR-BullNotBullish
Tue Jul 30, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: How to avoid cleaners going out of business - and not getting your things?
Replies: 25
Views: 1997

Re: How to avoid cleaners going out of business - and not getting your things?

I know somebody whose dry cleaning business recently went under. The last thing he wanted was anything to do with the clothes in his possession. He held a couple pick up events and generally made himself available. I think the biggest risk is forgetting your clothes are there or neglecting to pick t...
by FeesR-BullNotBullish
Thu Jul 25, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Way out of financial catastrophe?
Replies: 80
Views: 12146

Re: Way out of financial catastrophe?

Holy cow, this is a nightmare. I'm not sure what the heck I would do in a situation like this. Have you talked to your insurance company? I would almost consider just walking away from the house and letting the bank foreclose on it. To sink 1 million dollars into structural home repairs that weren'...
by FeesR-BullNotBullish
Fri Jul 19, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 9792

Re: Do you buy cellphone outright or pay over 2 years?

I buy brand new unlocked iPhones every few years when the new models come out in Sept/Oct. I buy one for my wife and one for me. It's painful, but I like owning what we have. The financial advantage is that we stretch our phones as long as we can; our upgrade cycle is every three to four years inste...
by FeesR-BullNotBullish
Tue Jun 11, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4916

Re: Tips for new pet owner

For training, I recommend a podcast episode - Susan Garrett on the Tim Ferriss podcast. There is a lot of great insight and tips in that episode which gave my wife and I confidence with our puppy. Our biggest takeaway was to keep the puppy in a pen whenever it's inside but not under your direct supe...
by FeesR-BullNotBullish
Wed Jun 05, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 8591

Re: Favorite youtube channels?

Great ideas here! I'll add The Katering Show which features two Australian women and their misadventures in the kitchen. I also love Honest Trailers which gives hysterical commentary over an extended movie highlight reel. The trailers often contain spoilers.
by FeesR-BullNotBullish
Wed Jun 05, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Invoice Software for 30-person firm
Replies: 5
Views: 400

Re: Best Timesheet/Invoice Software for Small Consulting Business

I second the vote for Harvest. They put the start-stop timer in your face, but I enter time manually. They also want you to use their invoicing feature which won't work for me because my invoices aren't based off time. Reminders about assigning budgets are annoying, but it's a small nuisance. You ca...
by FeesR-BullNotBullish
Wed Jun 05, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 6775

Re: Would you buy a house without a garage?

Yes I would consider a house without a garage, but I'd hesitate to buy a house with an unusable garage. The bathroom quirk is one I'd deal with.
by FeesR-BullNotBullish
Mon Jun 03, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Zillow house price estimate
Replies: 44
Views: 6486

Re: Value of Zillow house price estimate

We made an offer on a house a couple years ago. We backed out four several reasons, one of which was the Zillow information was more accurate than the inflated square footage listed by the sellers. I know because I measured. Zillow pulls its data from the county or whatever municipality provides pub...
by FeesR-BullNotBullish
Mon Jun 03, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2433

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

7 hours sounds optimistic. I'd figure 9-10 hours, but I don't drive fast, and I take stops. You might hit traffic getting out of LA and again in Phoenix depending on the time and day. But there's not much in between, so it should be mostly smooth sailing.