Search found 498 matches

by Loik098
Mon Apr 23, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Newborn- essential financial steps
Replies: 20
Views: 1685

Re: Newborn- essential financial steps

Thanks for your replies. A separate fund for unexpected expenses is a good idea. Not just unexpected expenses. You should EXPECT to pay for things like braces, ER visits for broken arms, expensive school activities, etc. Unless your cash flow isn't an issue, better to have a fund for these things s...
by Loik098
Sat Apr 21, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Good pushreel lawn mower?
Replies: 11
Views: 1049

Re: Good pushreel lawn mower?

I own the same mower, and for a little longer than you have owned yours. Sharpening the blade isn't difficult at all, and should take you 30 minutes at most. It should be done every new season. Please buy the sharpening kit on Amazon for $12 and don't waste money on a new mower unless something els...
by Loik098
Sat Apr 21, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2449

Re: How long have you been employed?

A subquestion, are there any more classic paperboys, e.g. kids on bikes with big baskets that deliver papers in the afternoon to your doorstep? The only ones I know of are cars/vans that throw out papers from their window in the early morning. I would guess very few, if any: 1) There are far fewer ...
by Loik098
Sat Apr 21, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Good pushreel lawn mower?
Replies: 11
Views: 1049

Re: Good pushreel lawn mower?

I own the same mower, and for a little longer than you have owned yours. Sharpening the blade isn't difficult at all, and should take you 30 minutes at most. It should be done every new season. Please buy the sharpening kit on Amazon for $12 and don't waste money on a new mower unless something else...
by Loik098
Tue Apr 17, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Lessons learned with Booking.com and VRBO
Replies: 13
Views: 2961

Re: Lessons learned with Booking.com and VRBO

dustinst22 wrote:
Sun Apr 15, 2018 10:16 pm
Credit card company wasn't willing to get you the full amount back? Surprising.
Agreed. Assuming OP used an appropriate CC, would trip protection not cover this sort of thing?
by Loik098
Tue Apr 17, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: [Balancing school workload and family time]
Replies: 15
Views: 556

Re: Child expenses - what to expect as your kids go from daycare to school

You have to balance their school workload and the overall family time. Ie we are not going to running around to 20 different activities each week. From middle school onward my kids were expected to do 6-8+ hours of home work every night. :shock: With that much homework, how is there any time left f...
by Loik098
Tue Apr 17, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: [Balancing school workload and family time]
Replies: 15
Views: 556

Re: Child expenses - what to expect as your kids go from daycare to school

You have to balance their school workload and the overall family time. Ie we are not going to running around to 20 different activities each week. From middle school onward my kids were expected to do 6-8+ hours of home work every night. :shock: With that much homework, how is there any time left f...
by Loik098
Mon Apr 16, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Blood pressure monitor - 2 users w/ different size arms
Replies: 12
Views: 459

Re: Blood pressure monitor - 2 users w/ different size arms

1) Be aware that it is possible for your blood pressure numbers to be different at the MD office as compared to at home (look up, "white coat syndrome"). Doesn't necessarily mean your monitor is bad. You can test whether this is happening by taking your monitor with you the next time you visit your ...
by Loik098
Fri Apr 13, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: What you wish Netflix et al. would serialize
Replies: 2
Views: 231

Re: What you wish Netflix et al. would serialize

The Old Man's War series by John Scalzi. There are rumors that Netflix is already working on not a series, but a movie.
by Loik098
Fri Apr 13, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 40059

Re: Name something you had to have and now you regret purchasing it?

Problem statement : After reading a book about sleep, I decided to improve the quality of mine by eliminating blue light frequencies for a couple hours before sleep. Regret : I have purchased two yellow light bulbs for my bedroom. Unfortunately, the bulbs were too dim for me to read in bed . This i...
by Loik098
Thu Apr 12, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Best Buy, $3k TV, should I buy warranty?
Replies: 24
Views: 1528

Re: Best Buy, $3k TV, should I buy warranty?

Best Buy told me to buy the Geek Squad warranty on my Panasonic plasma . Plasma bulbs go out, they said. The cost to repair is almost as much as the tv, they said. 11 years later the TV is still in my living room and if I needed to buy a replacement 42" TV it would cost $229 for a brand new 42" tv ...
by Loik098
Thu Apr 12, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 40059

Re: Name something you had to have and now you regret purchasing it?

Problem statement : After reading a book about sleep, I decided to improve the quality of mine by eliminating blue light frequencies for a couple hours before sleep. Regret : I have purchased two yellow light bulbs for my bedroom. Unfortunately, the bulbs were too dim for me to read in bed . This i...
by Loik098
Thu Apr 12, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Farewell gift for office when quitting job?
Replies: 19
Views: 2434

Re: Farewell gift for office when quitting job?

We have photographs of the entire staff in the lobby of our building. There were several photos taken over the years, so one could see who worked there and when. When I go visit, I can still see myself standing among my friends and colleagues. An excellent idea! OP, please don't do trinkets, or som...
by Loik098
Thu Apr 12, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 1976

Re: Cedar Fence: is Maintenance required?

I think if you're asking, then you might as well give yourself peace of mind and throw on some sealer. Why risk being someone who will stare at rotting wood 10 years from now if you can do the job easily and cheaply now? I recommend spraying on some Ready Seal every other year with a garden sprayer....
by Loik098
Sat Apr 07, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Need new bedroom furniture
Replies: 23
Views: 1215

Re: Need new bedroom furniture

What are Bogleheads doing these days? OP, you're going to get all ranges of responses here, from Walmart furniture to Restoration Hardware. "Bogleheads" doesn't always translate into "cheap DIY"; many here pride themselves on owning high-quality/expensive stuff. You will need to specify a budget an...
by Loik098
Fri Apr 06, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: What Did I Just Do? (Possible Scam)
Replies: 13
Views: 3065

Re: What Did I Just Do? (Possible Scam)

My question is, if this is not Merrill Lynch, what could a criminal do with my phone number? Most likely not much other than harass you. More extreme: if your account isn't secure via a PIN or other mechanism, it's possible that one could try to take over your account by figuring out your carrier, ...
by Loik098
Fri Apr 06, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3478

Re: How often do you replace your office shoes?

Approximately every 3 years.

As I'm on my feet all day long, I find the slip-on Merrell jungle mocs to be my go-to shoe. Several other medical professionals I know also swear by them.
by Loik098
Thu Apr 05, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987802

Re: What Movie Have You Recently Watched?

"Shattered Glass", with Hayden Christensen. Tomatometer 91% critics, 79% audience. In a 2003 film based on a true story, Christensen plays a popular young reporter for The New Republic magazine, and is eventually discovered to have fabricated the majority of his articles. I'm not a big fan of Christ...
by Loik098
Thu Apr 05, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 3692

Re: Any hardworkers here who half-a** at work?

The reality at most big companies is that a lot of the work output is mediocre, and a lot of promotions are based more on relationships. Personally, I find that unpalatable, but I'm come to believe that I have to play some of their game to put myself in a position to influence the organization towa...
by Loik098
Thu Apr 05, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Would you change approach if no kids, no family?
Replies: 15
Views: 1878

Re: Would you change approach if no kids, no family?

It appears from your post that you like working. I think you should stop only if you find something else you like doing more. Have you? Finances are only a small part of retirement planning. The bigger part is figuring out what to do with your time. Experiment now to see if you can discover hobbies/...
by Loik098
Thu Apr 05, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Dealer issues Stop Sale and sues Toyota over Prius safety defect
Replies: 9
Views: 1388

Re: Dealer issues Stop Sale and sues Toyota over Prius safety defect

Is this actionable in any way? It's a news story lacking any verified facts . Do you work for Toyota? :D Verifiable Facts: 1) Dealer isn't selling Priuses. Could verify by calling the dealer if you wanted to, I suppose. But he's quoted in the article.... 2) Toyota issued a voluntary recall in 2014 ...
by Loik098
Wed Apr 04, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Any way to raise credit score 3 points in a month?
Replies: 16
Views: 1395

Re: Any way to raise credit score 3 points in a month?

On my reports the CC company usually reports after the payment date. I would just make sure all balances are paid off a few days early. +1. Just pay off your CCs a few times over the next month, as well as any other open tradelines that you're capable of paying off. Guaranteed 0% utilization rate w...
by Loik098
Wed Apr 04, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 10411

Re: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

Don't get distracted by eating Chinese greens or taking the bus . If they didn't do all that they would still be saving $120,000 a year instead of $150,000 a year. The real drivers for the high savings are having in-demand skills commanding big paychecks and having in-demand properties generating A...
by Loik098
Wed Apr 04, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6361

Re: Want/need some income in semi-retirement

Hit the rummage sales on the weekends and flip items on eBay. Drive Uber. I have had many older drivers. Could do both, and more. An Uber driver I talked to not long ago not only drives for Uber, but also drives for Lyft, and delivers food for Doordash (we don't have UberEats). When he isn't doing ...
by Loik098
Tue Apr 03, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Protecting personal privacy on-line - CBS News
Replies: 28
Views: 2104

Re: Protecting personal privacy on-line - CBS News

If you think keeping the mundane details of your life private is extremely serious business......you probably think too much of yourself. You're just not that important, and nobody outside of friends/family really cares that much about you. Your friends probably don't even like you as much as you th...
by Loik098
Sun Apr 01, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Maximizing airlines miles or rewards points
Replies: 6
Views: 967

Re: Maximizing airlines miles or rewards points

whodidntante wrote:
Sun Apr 01, 2018 1:52 pm
This site is helpful.

https://www.cashbackmonitor.com/
+1

Outside of making sure your company has the right credit cards to begin with, this is pretty much all you'll need.
by Loik098
Fri Mar 30, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Online meals, anyone do these?
Replies: 28
Views: 3096

Re: Online meals, anyone do these?

While we love to cook and consider ourselves pretty good at it, because of work schedules/time constraints (3 kids under 4 years old), we use both Blue Apron and Freshly: 1) Blue Apron : we found that we were consistently eating out/getting takeout for lunch on weekends, rather than eating at home. ...
by Loik098
Fri Mar 30, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise/promotion with another offer in hand
Replies: 103
Views: 6597

Re: Asking for a raise/promotion with another offer in hand

I would simply ask for a raise and promotion and see what happens. I would not bring up the issue of the other offer and the fact that they supposedly have a rule against counteroffers reinforces that. It also reinforces that idea that accepting a counteroffer is usually not the best idea because i...
by Loik098
Thu Mar 29, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expense Caught Up To Income
Replies: 48
Views: 6967

Re: Living Expense Caught Up To Income

- I do not prescribe any virtue to maxing out retirement accounts. My goal is to have the same living standard in retirement as I do before retirement. OP, if this remains your plan, I think you should look into some high-quality disability insurance while you are still young. I did not see it list...
by Loik098
Thu Mar 29, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 5347

Re: New car on lot for 102 days. Concerns?

Your dealer and friend don't sound like they put that much effort into internet sales, which probably explains why they aren't very successful at them. You can usually tell which dealerships have a major internet/email presence simply by visiting their websites. Some dealerships have large teams ju...
by Loik098
Wed Mar 28, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 5347

Re: New car on lot for 102 days. Concerns?

E-mail negotiation, eh? I prefer to make everyone miserable in person. When it comes to new car buying, you’re very likely not getting the best price if you try to negotiate in person given the myriad factors at play—regardless of your perceived skill or experience at negotiation. Negotiations via ...
by Loik098
Wed Mar 28, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8967

Re: Not going to be buying chicken for a while...

I went to the site posted by OP. Methinks there is an agenda to this topic beyond taste and tenderness. I don't care about anyone's chicken agenda; I just want good-tasting food. And apparently there's enough anecdotal evidence out there (including on this thread) to suggest that a lot of chickens ...
by Loik098
Mon Mar 26, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Considering new car--any suggestions for methods to get best price?
Replies: 12
Views: 1474

Re: Considering new car--any suggestions for methods to get best price?

No thread about this topic would be complete without referring you to Denovo's guide here: viewtopic.php?f=11&t=124638.
by Loik098
Sun Mar 25, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Age: 35 General Budget and Finance Questions (6 years later)
Replies: 22
Views: 3068

Re: Age: 35 General Budget and Finance Questions (6 years later)

Banks - $45K (need help what to do with this) Student Loan 2 - $47K at 3.25% $366/month (NOTE: this is my parents loan for me that I am helping them pay back) I'm a big believer in not owing my family or friends money. You might think everything is ok with the arrangement, but in a lot of cases, yo...
by Loik098
Fri Mar 23, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 10231

Re: Losing friends/family when wealthy

It may be the fastest and surest way to alienate people is to be wealthy and try to pretend you are not. It is the ultimate in self-satisfactory snobbishness and is particularly insulting because it is so obviously phony. It is a direct insult to those who may not be so well off. Very well said. Th...
by Loik098
Fri Mar 23, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21762

Re: Anyone Deleting Facebook?

I hear this a lot, but I don't know if I should care if an app can read my texts or access my contact list. So what?.... Personally, I think privacy concerns about the "fluff stuff" in our lives by random nobodies like me are overblown. Didn't see anything "shocking" in that article, nor anything I...
by Loik098
Thu Mar 22, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 10231

Re: Losing friends/family when wealthy

However, as I gotten older, it may be a shocking revelation that me and my family have amassed a relatively high net worth. Any thoughts about this? A shocking revelation is when you run across a person who is kind, humble, and generous....and you later find out (NOT through them) that they are wea...
by Loik098
Thu Mar 22, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Costco delivered a broken bed (threshold delivery)
Replies: 11
Views: 948

Re: Costco delivered a broken bed (threshold delivery)

yes, thansk Bacchus01 for reply. That is an option, but that will also take a couple of weeks ( no fixed data given by them). And my bedroom remains completely unusable till then. Maybe I'm missing something. If you keep the bed, but just replace the headboard, why is your bedroom completely unusab...
by Loik098
Thu Mar 22, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21762

Re: Anyone Deleting Facebook?

I'm 35 so literally everyone I know is on facebook. I was on it for a few years, but deleted my account completely 4 years ago and haven't looked back. I genuinely think we have an impending mental health crisis due to social media and cell phone addiction. +1 It’s fascinating from a psychological ...
by Loik098
Thu Mar 22, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21762

Re: Anyone Deleting Facebook?

many don't realize the phone app (on Android at least) can read all your texts and access your entire contact list. Slippery slope to complete loss of privacy. I hear this a lot, but I don't know if I should care if an app can read my texts or access my contact list. So what? I'm not important or i...
by Loik098
Thu Mar 22, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: One day car repair is on day 16 - what to do?
Replies: 15
Views: 1564

Re: One day car repair is on day 16 - what to do?

Showing up unannounced is a good idea. Another idea, if you can is to show up after hours and see if you can find your car. I wouldn't be surprised if they haven't even started it. If that's the case, look at it to see if it's been dismantled at all. If not, drive it away. Go back for the keys the ...
by Loik098
Wed Mar 21, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Hawaii accomodations [Honolulu in Jan/Feb]
Replies: 4
Views: 476

Re: Hawaii accomodations [Honolulu in Jan/Feb]

Don't forget to check out VRBO as well.

Several of the hotels we've stayed at (ex: Ala Moana Hotel) have rooms/suites that are privately owned and rented out. You can sometimes get a much better rate on them than the hotel itself can offer, particularly for lengthy stays.
by Loik098
Wed Mar 21, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Recommendations
Replies: 43
Views: 3616

Re: Credit Card Recommendations

Citi Doublecash Amazon Prime/Whole Foods Costco I second these recommendations. The Chase Freedom Unlimited is only good to you if you value/know how to use the UR points you earn from it. You haven't told us if you do. If you don't pair it with a separate Sapphire card, or know how to use the UR p...
by Loik098
Wed Mar 21, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment
Replies: 30
Views: 2322

Re: Student Loan Repayment

Our household income is $320k. Not quite double yours . My student loans alone are $2900 per month, triple yours . Combined with my wife, we are at $4700 per month in student loans, or 5 times your amount . We have both refinanced with Earnest. We are both 7 years out of school and have ~6 years of ...
by Loik098
Tue Mar 20, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on Credit Card for $3K Car
Replies: 43
Views: 2498

Re: Cash Advance on Credit Car for $3K Car

OP, If this is indeed the path you're choosing, then don't rule out fee-free balance transfer cards. Assuming you find a way to pay for this car (loan, your own cash, another credit card, etc), you could then apply for a credit card with an extended balance transfer option and put the $3k on it. In...
by Loik098
Mon Mar 19, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on Credit Card for $3K Car
Replies: 43
Views: 2498

Re: Cash Advance on Credit Car for $3K Car

OP, If this is indeed the path you're choosing, then don't rule out fee-free balance transfer cards. Assuming you find a way to pay for this car (loan, your own cash, another credit card, etc), you could then apply for a credit card with an extended balance transfer option and put the $3k on it. In ...
by Loik098
Mon Mar 19, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 12571

Re: Can I Retire at 38?

If we retire at 38 and start collecting our pensions at 55, then the pension will be approximately be $55,000 a year. We also stand to inherit about 2 million from our parents in the next 10 years. Our kids go to a really good public school and we are planning for them to attend public universities...
by Loik098
Sat Mar 17, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile ?
Replies: 15
Views: 1569

Re: Xfinity Mobile ?

Update: There's a $250 gift card offer now floating around to switch to them (we received one in the mail). The offer we received ends 3/22/18, in case anyone is interested. I believe the offer is available to anyone who visits an Xfinity Mobile store. There's just one catch: The fine print of the o...
by Loik098
Fri Mar 16, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: 5/24 rule for rewards credit cards - bunching applications
Replies: 31
Views: 3153

Re: 5/24 rule for rewards credit cards - bunching applications

OP, This post might help you: https://www.reddit.com/r/churning/comments/5mhaai/beginners_chase_guide_for_folks_under_524/ I would recommend applying for the Chase Ink Preferred as your next card. (If you apply through a Chase BRM, you can earn 100k U.R.). It does not count against your 5/24 count ...
by Loik098
Fri Mar 16, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 63
Views: 10301

Re: Terminal illness with small kids

If you are willing to give them money, I'd argue that you should just do so privately. Trust that if other family members are also willing/able to contribute, then they will do so. If they are not willing/able, they won't. Trust that these facts likely won't change if you are suddenly the "overseer"...