Search found 100 matches

by Jim Beaux
Tue Jun 16, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Car Dealers not really wanting to make a deal

If i have done research and know what i am willing to pay is there a way to buy directly from the sales manager or internet sales manager and if so how? Rav4 XLE 2020 we have driven my mom's several times and dont need a test drive or salesman. Everyone on the sales staff is a " manager ". Who you ...
by Jim Beaux
Mon Jun 15, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11522

Re: Prenup? What Should It Say?

Life is full of challenging and changing values as we grow. What you cherish today might not stay the same. First get your priorities right. The most important resource for a happy life is a well adjusted, nurtured child/and loving life partner. The mother should stay home for more than a year. Comp...
by Jim Beaux
Mon Jun 15, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5595
Views: 1363480

Re: What Movie Have You Recently Watched?

Take Me on netflix.

It's an original and quirky. I dont re-watch movies, but at the end of this one, I was ready to. Enjoyable. If youre bored with the spew Hollywood tries to feed us give this one a shot.
by Jim Beaux
Thu Jun 04, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5595
Views: 1363480

Re: What Movie Have You Recently Watched?

Valentine's Day , on Netflix. This is a nice romantic comedy starring Ashton Kuscher Jennifer Garner, and many others, about the romantic adventures of several couples young and old on a single day. +1 I resent movies that have a 'token' character to sublimely advocate 'progressive' agendas, and I ...
by Jim Beaux
Thu Jun 04, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5595
Views: 1363480

Re: What Movie Have You Recently Watched?

Valentine's Day , on Netflix. This is a nice romantic comedy starring Ashton Kuscher Jennifer Garner, and many others, about the romantic adventures of several couples young and old on a single day. +1 I resent movies that have a 'token' character to sublimely advocate 'progressive' agendas, and I ...
by Jim Beaux
Thu Jun 04, 2020 5:10 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?

You have 2 dependable cars. Keep wife's car as youve already taken the biggest depreciation hickey on it.
Draw $7k from savings & pay off your car & realize 396 mo in cash flow.
by Jim Beaux
Thu Jun 04, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Do I have a bad car battery or just needs to be charged more often?
Replies: 30
Views: 1508

Re: Do I have a bad car battery or just needs to be charged more often?

As many here have already stated the battery needs replacement. As a point of interest, modern cars are constantly drawing from the battery even when the car is not running. Parasitic Drain is due to system components needing to stay energized, ie alarms, clocks, radio presets, GPS, etc. Though the ...
by Jim Beaux
Sun May 31, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5595
Views: 1363480

Re: What Movie Have You Recently Watched?

The Love Birds on Netflix https://www.netflix.com/watch/81248748?trackId=13752289&tctx=0%2C3%2Cc7a7b50215d6e95c8f20c5e376ed6f566accb59d%3A701c43729b7b62b5f5b564f9518de6784091d6d2%2C%2C%2C Not quite the same ole cookie cutter movie. The actors came across as real & likeable. If you like romantic come...
by Jim Beaux
Wed May 06, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Car Dealers not really wanting to make a deal

Jim Beaux, thanks for your expertise! First, I decide exactly which new car that I want....then I call a handful of nearby dealers and tell them that I'm buying a new vehicle in two days. I say that I'm a serious buyer, and I ask for their out the door price. I give them my contact info and get the...
by Jim Beaux
Wed May 06, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Changing the Subject

Why don't you just use fightingchance.com again like with your previous cars? Thanks VanGuppy! I plan to....I'm probably 10 years away from needing a vehicle. I asked Jim Beaux the question because I wanted to see how a car salesman would negotiate. His methods would be very useful if I had to walk...
by Jim Beaux
Wed May 06, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Changing the Subject

Why do you ask? Jim Beaux, I'm changing the subject. If we wanted to buy a vehicle, how should we proceed? We of course are looking for the best available price within say one hour's drive. I cant begin to cover it all here, but do your research online first. I would say rule #1 is to shut up, be p...
by Jim Beaux
Wed May 06, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Car Dealers not really wanting to make a deal

Paying anything even close to list price is a rip-off on many (not all) cars. Very broadly speaking: A "good" price is the invoice price minus any available incentives (which are easy to find on sites like autobytel). The dealer still makes money on "holdback." But whether you can get this kind of ...
by Jim Beaux
Mon May 04, 2020 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Car Dealers not really wanting to make a deal

Just a heads up on a universal internet truth, no matter what price you paid for your car, someone on the forum will tell you that you got ripped off and they got a better deal. +1 Of course youre right, but in reality, one is only ripped off if he pays over list price. It's an American tradition t...
by Jim Beaux
Mon May 04, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Car Dealers not really wanting to make a deal

Just a heads up on a universal internet truth, no matter what price you paid for your car, someone on the forum will tell you that you got ripped off and they got a better deal. +1 Of course youre right, but in reality, one is only ripped off if he pays over list price. It's an American tradition t...
by Jim Beaux
Sun May 03, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Car Dealers not really wanting to make a deal

Just a heads up on a universal internet truth, no matter what price you paid for your car, someone on the forum will tell you that you got ripped off and they got a better deal. +1 Of course youre right, but in reality, one is only ripped off if he pays over list price. It's an American tradition t...
by Jim Beaux
Thu Apr 30, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17877

Re: Quitting a job after two weeks: relocation expenses

Communication is the best way to handle this situation. Open the door, get with your superior and ask what you could do better. Then you can share your frustration. (dont complain or whine) Heck, he may be happy with your production. Keeping it to yourself makes it your problem, sharing & asking for...
by Jim Beaux
Thu Apr 30, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Car Dealers not really wanting to make a deal

Just a heads up on a universal internet truth, no matter what price you paid for your car, someone on the forum will tell you that you got ripped off and they got a better deal. +1 Of course youre right, but in reality, one is only ripped off if he pays over list price. It's an American tradition t...
by Jim Beaux
Thu Apr 30, 2020 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Car Dealers not really wanting to make a deal

Does your local dealer offer the Costco deal? For our last three cars over the last 15 years we called the dealer and asked if they will match or do better than the Costco program. We are shown the invoice and pay no more than 500 over invoice, which is usually substantially lower than the MSRP. No...
by Jim Beaux
Mon Apr 27, 2020 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Car Dealers not really wanting to make a deal

In case some are not aware .... nobody gets a good deal from a car dealer, not even the Sales Managers Mom! If you think you did and tell your friends about it, you’re mistaken. You are very close to being 99% correct. I sold cars & used to smile when I heard the hot shots brag about how they buste...
by Jim Beaux
Mon Apr 27, 2020 5:40 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Kia Quality & Longevity
Replies: 82
Views: 5749

Re: Toyota vs. Kia Quality & Longevity

Generally speaking, I don’t think the “ Terrorist models ” are offered in the US. I imagine a lot of them have Diesel engines, minimal safety features, etc. or they are the same land cruiser we could buy here in the 70s. That model would be the Toyota Jihadi. Standard equipment includes an M2HB fif...
by Jim Beaux
Fri Apr 17, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: Advise what to do after receiving email from Hacker trying to extort money
Replies: 58
Views: 5004

Re: Advise what to do after receiving email from Hacker trying to extort money

likegarden wrote:
Fri Apr 17, 2020 5:32 pm
The last HTTPS link has a Trojan in it, Malwarebytes stopped it! Did Jim Beau put the Trojan in it??
Are you seriously accusing me? Get real. My malwarebytes didnt detect it. Why did yours?
by Jim Beaux
Fri Apr 17, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Advise what to do after receiving email from Hacker trying to extort money
Replies: 58
Views: 5004

Re: Advise what to do after receiving email from Hacker trying to extort money

This guy is the King Kong of scam busters. He scams the scammers & cost them time & money. He has strung many for months and makes them do ridiculous things. Read his work. He is evil. :twisted: It is important to understand that scambaiters only respond to scam emails we receive. Unfortunately is i...
by Jim Beaux
Thu Apr 16, 2020 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3415

Re: Help us save more money on a monthly basis.

ScubaHogg wrote:
Thu Apr 16, 2020 9:50 pm
Faisal wrote:
Thu Apr 16, 2020 8:39 am
I did forget the car insurance which is 250 a month.
Do you have a teenager driver or something? This seems quite high. Ours is less than half that for two cars.
Good catch. Op change the deductible on the comp & collision to $1000.
by Jim Beaux
Thu Apr 16, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Advise what to do after receiving email from Hacker trying to extort money
Replies: 58
Views: 5004

Re: Advise what to do after receiving email from Hacker trying to extort money

Email is a scam, delete it and don't think about it. But if someone hasn't mentioned it yet, strongly enable two-factor authentication everywhere possible. Even "strong" passwords can be compromised. Two-factor authentication adds another layer, which needs to be bypassed to gain access. It also ca...
by Jim Beaux
Thu Apr 16, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: Advise what to do after receiving email from Hacker trying to extort money
Replies: 58
Views: 5004

Re: Advise what to do after receiving email from Hacker trying to extort money

I can't help but think about all the attention seeking Internet 'viral video' wanna-be's licking toilet seats (and much much worse) TRYING to get attention. How several untalented "famous for being famous" people had sex videos "leaked" on the Internet that got them their start. There would be a ce...
by Jim Beaux
Thu Apr 16, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: Advise what to do after receiving email from Hacker trying to extort money
Replies: 58
Views: 5004

Re: Advise what to do after receiving email from Hacker trying to extort money

Unlax. The dumbo would have shown you more evidence than the PW if he had more. Here ya go. 'Apr 10, 2020 Sextortion emails and porn scams are back – don’t let them scare you! We’ve seen a recent surge of concern about sextortion emails over the last few days.' https://nakedsecurity.sophos.com/2020/...
by Jim Beaux
Thu Apr 16, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 6019

Re: Advice - Anesthesiologist threatening collections

My husband hates the feeling of loss of control with anesthesia and does his colonoscopy without, he likes it fine. I have not read everything, but if this is due to b eing out of network, it is likely out of your control if the GE & hospital/surgi-center are in network. In that case your company w...
by Jim Beaux
Thu Apr 16, 2020 1:18 pm
Forum: Personal Consumer Issues
Topic: Sideloading: LastPass on Windows 10
Replies: 15
Views: 1114

Re: Sideloading: LastPass on Windows 10

bertilak wrote:
Wed Apr 15, 2020 5:22 pm
Jim Beaux wrote:
Wed Apr 15, 2020 4:38 pm
Why are you replacing KeePass for Last Pass?
Out of curiosity.

Actually, I'm not replacing but evaluating.
Thanks. I use keypass and was hoping you didnt have problems with it.
by Jim Beaux
Thu Apr 16, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3415

Re: Help us save more money on a monthly basis.

Do not rake your leaves, mulch em! Save on fertilizer.
by Jim Beaux
Wed Apr 15, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: Sideloading: LastPass on Windows 10
Replies: 15
Views: 1114

Re: Sideloading: LastPass on Windows 10

Why are you replacing KeePass for Last Pass?
by Jim Beaux
Wed Apr 15, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Garden edging- question
Replies: 24
Views: 2103

Re: Garden edging- question

Newspapers. That’s is what you use. 3-4 layers. Backfill your dig out and place your edging. Then put down newspaper and top that with mulch. About as good as you will get. That is all we have done on any garden bed. On anything needing to be converted from grass to a vegetable or flower bed, or si...
by Jim Beaux
Wed Apr 15, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Garden edging- question
Replies: 24
Views: 2103

Re: Garden edging- question

Newspapers. That’s is what you use. 3-4 layers. Backfill your dig out and place your edging. Then put down newspaper and top that with mulch. About as good as you will get. That is all we have done on any garden bed. On anything needing to be converted from grass to a vegetable or flower bed, or si...
by Jim Beaux
Wed Apr 15, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3415

Re: Help us save more money on a monthly basis.

Use cash or debit card only. Give your bride & yourself a 'free money' allowance. Also allot cash to spend on the kiddos. Once it's spent ya gotta wait for the next week/month. This has saved me a lot. Ive read the other suggestions & will avoid being redundant. Also I dont know your situation but: ...
by Jim Beaux
Wed Apr 15, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 6019

Re: Advice - Anesthesiologist threatening collections

In a case such as this I would record date/time & names of who I spoke with & note the subject. I would also write back up letters confirming our phone discussion & actions agreed upon. From this point forward I would communicate as much as possible by letter.
by Jim Beaux
Tue Apr 14, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5595
Views: 1363480

Re: What Movie Have You Recently Watched?

madbrain wrote:
Sat Apr 11, 2020 10:00 pm
The death of Stalin. Very funny.
+1
I loved it. Im well jaded over the cookie cutter movies so prevalent today. They all follow predictable themes, but not this one! This was off the charts. Steve Buscemi is the man!
by Jim Beaux
Tue Apr 14, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: Florida HOA complaining of Weeds in Lawn
Replies: 101
Views: 8792

Re: Florida HOA complaining of Weeds in Lawn

The issue is your yard is not being mowed. You probably have San Augustine grass & it needs to be mowed every 5-8 days. If its mowed on a regular basis it will choke out the weeds. Consider your neighbors & do what you agreed to do when you signed on the dotted line.
:sharebeer
by Jim Beaux
Fri Apr 10, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Capital One QuickSilver credit card limit
Replies: 36
Views: 1887

Re: Capital One QuickSilver credit card limit

I think I started with a $25k limit which went up (unrequested) to $30k. they increased it without asking from 25k to 50k Blanking blanked blank. Seriously? I am also a home owner. Maybe my age??? I'm early 30s. My other 2 cards have $18,000 & $25,000 limits. I had to literally beg for an increase ...
by Jim Beaux
Fri Apr 03, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Airline refusing to issue refunds
Replies: 167
Views: 15263

Re: Airline refusing to issue refunds

If they dont refund then they are price gouging. Bookem Dano
by Jim Beaux
Tue Mar 24, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: What have you learned from this situation that you will take action on?
Replies: 158
Views: 14748

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

I feel that considering all thats happened, hopefully we are going to come through in fair shape. We have enough food, cash, & our 50/50 portfolio hasnt kept me up at night. We didnt hoard though we did have to buy groceries every day last week. Im sticking with my plan and expect things to recover ...
by Jim Beaux
Tue Mar 24, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: Beard Trimmer / Tips
Replies: 18
Views: 1125

Re: Beard Trimmer / Tips

ZZ TOP! 8-)

or Wahl, heavy, sharp, quality, attachments, battery last forever. Best Ive ever had
by Jim Beaux
Sat Mar 21, 2020 7:52 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11498

Re: How much cash to have during coronavirus panic?

If we go more than a few hours where no credit cards are working anywhere, cash won't matter. Society will break down. I guess you've never spent a week in a post-hurricane area where pretty much nothing is working. I lived in Houston in '08 (Hurricane Ike). Had no cash and I don't remember it bein...
by Jim Beaux
Thu Mar 19, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11498

Re: How much cash to have during coronavirus panic?

I'm thinking of hoarding alcohol. I can use it for drinking, sterilizing and in lieu of cash. Haha... smart... but better hurry-up... aren't some localities shutting down liquor stores? Get in before the lock! :D Texas governor Abbott Allows Restaurants To Deliver Alcohol With Food Purchases During...
by Jim Beaux
Thu Mar 19, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11498

Re: How much cash to have during coronavirus panic?

If we go more than a few hours where no credit cards are working anywhere, cash won't matter. Society will break down. Years ago we evacuated because of Hurricane Rita. I had a pocket full of cash & credit cards....all worthless because there were no motel rooms, no gasoline & what little was avail...
by Jim Beaux
Thu Mar 19, 2020 2:33 pm
Forum: Investing - Theory, News & General
Topic: Bond Funds don't work in a crisis
Replies: 179
Views: 12965

Re: Bond Funds don't work in a crisis

BillyK wrote:
Thu Mar 19, 2020 10:33 am
Bonds may not be holding up real well, but they are holding up better than equities which is better than a kick in the teeth in these current market conditions. They still provide a source for rebalancing into equities and soften the fall somewhat.
+1

My exact sentiment.
by Jim Beaux
Thu Mar 19, 2020 2:24 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11498

Re: How much cash to have during coronavirus panic?

FYI A weak link in our money supply is the vital personnel behind the scenes. Brink’s ATM Services help reduce risk, optimize cash levels and maximize transaction volume. Brink’s trained ATM service personnel and armored vehicles replenish machine cash, balance the machines, and report the settlemen...
by Jim Beaux
Fri Feb 28, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on car financing
Replies: 54
Views: 4229

Re: Thoughts on car financing

OP said can't afford to buy it outright so it doesn't really matter what the cash price is. What type of car is DWs? What's wrong with it? 160k isn't really all that much. What's the rest of your financial picture? I'd be concerned if you need to take out a loan that long. As a car salesman in the ...
by Jim Beaux
Tue Feb 25, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: Negotiating hospital PT bill
Replies: 36
Views: 3318

Re: Negotiating hospital PT bill

My spouse had a 1 hour physical therapy appointment thorough a large hospital and was billed close to $700. There was a $280 adjustment and insurance picked up $80 leaving us with over $300 to pay. I know some places offer a discount if you pay cash but that’s usually negotiated before hand. Do you...
by Jim Beaux
Tue Feb 25, 2020 6:11 pm
Forum: Personal Consumer Issues
Topic: iPhone repair - when buying a used phone?
Replies: 6
Views: 474

Re: iPhone repair - when buying a used phone?

Approximately 60 days ago (12/18), I bought a used, unlocked phone via Best Buy. The phone is now having problems. I'm not able to find any warranty information for this phone. I have been on hold with Best Buy this morning, waiting for someone to pick up - it's not happening. Does anyone have any ...
by Jim Beaux
Tue Feb 25, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on car financing
Replies: 54
Views: 4229

Re: Thoughts on car financing

OP said can't afford to buy it outright so it doesn't really matter what the cash price is. What type of car is DWs? What's wrong with it? 160k isn't really all that much. What's the rest of your financial picture? I'd be concerned if you need to take out a loan that long. As a car salesman in the ...
by Jim Beaux
Wed Jan 29, 2020 11:54 am
Forum: Personal Investments
Topic: Moving everything to Vanguard
Replies: 12
Views: 1693

Re: Moving everything to Vanguard

From Vanguard: Will I pay any fees for my transfer? Vanguard doesn't charge any transfer fees. However, you'll need to contact your current financial firm to see if it charges transfer fees for closing an account. Source Call them . The above is accurate but just to emphasize - Call them. I have fo...