Search found 148 matches

by unstartable
Thu Sep 24, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Pay Realtor Per Showing
Replies: 47
Views: 3143

Re: Pay Realtor Per Showing

My realtor and I went to 5-8 homes a weekend (usually all on the same day) for close to 2 months before I made an offer. Any that I thought about making an offer on I asked to view twice. To put it another way, if you bought the first house the realtor showed you, would you expect them to discount ...
by unstartable
Thu Sep 24, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Small Travel Trailer Advise needed
Replies: 44
Views: 2383

Re: Small Travel Trailer Advise needed

It sounds like you have reasonable expectations on the capabilities of your tow vehicle. Also consider the tongue weight, make sure it is set up correctly and you don't exceed the ratings of your rear tires and rear "axle". You might want to check out Lance as a manufacture. They have been making tr...
by unstartable
Tue Sep 22, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Which used hatchback to choose?
Replies: 31
Views: 2167

Re: Which used hatchback to choose?

Regarding the CVT, the review on Edmunds says, "The 2013 Toyota Prius is powered by a 1.8-liter four-cylinder engine combined with a pair of electric motor/generators. Together they send a total output of 134 horsepower through a specialized continuously variable transmission (CVT)." I'm hardly a c...
by unstartable
Mon Sep 21, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: Which used hatchback to choose?
Replies: 31
Views: 2167

Re: Which used hatchback to choose?

If you want a hatchback that doesn't drive like a city car: VW Golf. There's a reason they sell so many in Europe.
by unstartable
Wed Sep 16, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: new car - 0% interest loan ?
Replies: 27
Views: 1681

Re: new car - 0% interest loan ?

If they would be willing to give you $1000 off for cash, the 0% is still probably the better deal. Obviously the price of the car and your estimate of what your money could earn elsewhere would change the point at which one or the other is better.
by unstartable
Wed Sep 16, 2020 7:47 am
Forum: Personal Finance (Not Investing)
Topic: new car - 0% interest loan ?
Replies: 27
Views: 1681

Re: new car - 0% interest loan ?

0% offered by a manufacture is typically instead of a cash rebate. Usually the cash offered is not a better deal than the 0%. This has nothing to do with the best price you negotiate with the dealer.
by unstartable
Thu Sep 03, 2020 7:12 am
Forum: Personal Consumer Issues
Topic: Tesla Full Self Driving Option
Replies: 42
Views: 3419

Re: Tesla Full Self Driving Option

I think Elon Musk is an outright liar. It's sad because Tesla has some compelling products, but his ego really gets in the way of proper development.
by unstartable
Tue Aug 18, 2020 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464038

Re: Refinance Mega Thread

My appraisal came back for about $20k more than the number I used on the initial application. This lowered my loan to value ratio from the upper 70% range to the lower 70% range. The lender issued a new estimate with 0.25% less on the point I bought.
by unstartable
Tue Aug 18, 2020 4:50 am
Forum: Personal Consumer Issues
Topic: Calling all Long legged BHers for SUV or Car advice
Replies: 49
Views: 2791

Re: Calling all Long legged BHers for SUV or Car advice

I’m not quite that tall and my upper body is long not legs. But I think cars with a low hip point are the most comfortable for me.
by unstartable
Tue Aug 18, 2020 4:17 am
Forum: Personal Consumer Issues
Topic: Farmed Atlantic salmon and toxic chemicals in fish feed
Replies: 62
Views: 4235

Re: Farmed Atlantic salmon and toxic chemicals in fish feed

Salmon that were stocked in lakes with no access to the ocean, but figured out how to survive and reproduce in the lake are typically called kokanee or kokanee trout, because they take on the behavior of lake trout. It is correct they have white flesh as well, just like farm-raised salmon would wit...
by unstartable
Sat Aug 15, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464038

Re: Refinance Mega Thread

Yea, but if you're comparing different lenders, C shouldnt matter because those costs can be made the same in each loan by choosing your title company. If I did that with these loans I am considering it wouldnt be fair because one of them quoted way higher title fees which I know arent going to app...
by unstartable
Sat Aug 15, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7145

Re: new car purchase: any reason NOT to do 0% financing

The 0% is essentially the manufacture making a cash payment to the finance arm of their business instead of offering that directly to you. Usually you are taking 0% instead of a manufacture cash incentive, but the 0% is generally a much better deal. As long as you are disciplined, there is probably ...
by unstartable
Wed Aug 12, 2020 10:53 am
Forum: Investing - Theory, News & General
Topic: Silver: The Forgotten Precious Metal?
Replies: 88
Views: 4869

Re: Silver: The Forgotten Precious Metal?

I feel like a bag of silver dimes would be useful if something strange happened to the currency/banking system. That said, I don't own one.
by unstartable
Wed Aug 12, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464038

Re: Refinance Mega Thread

Ana Z wrote: Wed Aug 12, 2020 10:35 am Is it typical for a mortgage broker to require tax returns for 2 years?
That's what the broker I talked to asked for. The lender I ended up going with asked for 1.
by unstartable
Wed Aug 12, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464038

Re: Refinance Mega Thread

I locked yesterday to refinance with my current lender

Current loan: just under 25 years remaining 3.625%, $258,000 remaining, value $340,000
New loan: 20 years, 2.5%, with 1 point (I chose to pay the point, close to par was available at 2.75%), A + B + C = $5,680
by unstartable
Mon Feb 03, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Manual Transmission + Electric Parking Brake?
Replies: 58
Views: 3530

Re: Manual Transmission + Electric Parking Brake?

While on the brake with my right foot, I go into gear & start letting up the clutch with my left foot. When the engine's rpm drop, I know I'm catching, then I switch the right foot from the brake to the accelerator. Very little rollback this way. No handbrake. Takes some learning & perfecting. This...
by unstartable
Mon Feb 03, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 242
Views: 22464

Re: Books that changed your life

Starting Strength by Mark Rippetoe
by unstartable
Mon Jan 27, 2020 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for car insurance anonymously and privately
Replies: 33
Views: 2637

Re: Shopping for car insurance anonymously and privately

It probably depends on your age and risk overall, but credit score can have a huge impact on rates. I was once quoted about 40% less when they reran my rate with credit score.
by unstartable
Thu Jan 02, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: which Subaru is best for a young driver?
Replies: 24
Views: 2774

Re: which Subaru is best for a young driver?

Unless you're wealthy, don't buy your kid a new car.
by unstartable
Mon Dec 16, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: What to do? Car dilemma...
Replies: 61
Views: 3660

Re: What to do? Car dilemma...

If you’re in or near CT I would give you $800 for it and fix it for a family member.
by unstartable
Sun Dec 15, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Best paper notebooks for workplace notes
Replies: 21
Views: 1794

Re: Best paper notebooks for workplace notes

I like a spiral bound Black n Red Notebook.
by unstartable
Sun Dec 15, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: 2015 Mini Cooper Questions
Replies: 15
Views: 1052

Re: 2015 Mini Cooper Questions

There aren’t many Mini’s on this list, but they are right about where I’d expect - well below the average for all vehicles. https://www.iihs.org/api/datastoredocument/status-report/pdf/52/3 The only Mini brand vehicle I see on that list is the Countryman with a driver death rate of 10. The sample s...
by unstartable
Mon Nov 25, 2019 8:50 am
Forum: Investing - Theory, News & General
Topic: Stop Loss Orders
Replies: 16
Views: 1343

Re: Stop Loss Orders

I can see some application for this if you for some reason have extreme aversion to losses below some threshold but are relatively indifferent to losses lower in magnitude to that. For instance, say you have $1000, and owe the mafia $800 tomorrow. You'd logically sell if your position went to say $...
by unstartable
Thu Nov 21, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Car negotiation question
Replies: 52
Views: 4805

Re: Car negotiation question

Worst case scenario you end up paying that price. Walk into another dealership (don't make an appointment) with the stock number of the specific car you want to buy, and make an offer for a reasonable amount less ($1000). Just walk if they don't give you that price. Try again at a different dealer f...
by unstartable
Sat Oct 26, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 7677

Re: How much does a "good school district" matter?

If your kids are highly motivated they will do well anywhere. if your kids need extra attention from the school, they will likely get more of it in the more affluent school district.
by unstartable
Sat Oct 26, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 7997

Re: car battery change or not? 2 year old battery

I had a battery last from 2008-2019. It was still working when I finally replaced it.
by unstartable
Mon Oct 21, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 5882

Re: Updgrade car for new safety features?

I drive a car that doesn’t even have a NHTSA rating. The horror! Stability control was the last big improvement in safety.
by unstartable
Wed Sep 25, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 9389

Re: First car for child

alfaspider wrote: Mon Sep 23, 2019 10:33 am
unstartable wrote: Mon Sep 23, 2019 10:30 am Do not buy your kid an AWD car.
Why not, other than cost? My closest calls as a new driver came from a RWD car in the snow. Obviously FWD won't spin like RWD, but AWD in inclement weather can be a safety feature.
I would only buy a FWD car for an inexperienced driver.
by unstartable
Wed Sep 25, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 9389

Re: First car for child

Do not buy your kid an AWD car. Why not, other than cost? My closest calls as a new driver came from a RWD car in the snow. Obviously FWD won't spin like RWD, but AWD in inclement weather can be a safety feature. It is just going to encourage them to drive in bad weather and not realize how little ...
by unstartable
Wed Sep 25, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Teaching as a second career with no prior formal training in teaching
Replies: 24
Views: 1763

Re: Teaching as a second career with no prior formal training in teaching

Alternate route teacher here as well. Teaching is a great job, but you have to really like it. You should shadow a teacher for a couple days before you commit.
by unstartable
Mon Sep 23, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 9389

Re: First car for child

I'm a high school teacher so I see and hear a lot about teenage driving. My advise would be an older compact or midsize sedan with a base 4 cylinder engine and automatic transmission. Something with front wheel drive and stability control. Do not buy your kid an AWD car. Something like a 2012 Ford F...
by unstartable
Fri Sep 20, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 98
Views: 11028

Re: Acura RDX vs Audi Q5

It sounds like comfort is a major factor for you. Why don't to test drive both and possibly ask for an extended test drive?

Edit: Never mind I didn't read the whole thread.
by unstartable
Thu Sep 19, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: Cheaper option than redoing hardwood floors?
Replies: 27
Views: 2679

Re: Cheaper option than redoing hardwood floors?

This might be a perfect job for DIY. It doesn't require a lot of skill but is quite time consuming.
by unstartable
Tue Sep 17, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Mustang...GT or Ecoboost?
Replies: 42
Views: 2712

Re: Mustang...GT or Ecoboost?

Honestly I would get the ecoboost. 300 horsepower is enough for some fun, but not get in trouble too quickly. I would also get the limited slip differential.
by unstartable
Tue Sep 17, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 5043

Re: Best Leaf Blower?

I am just going to very respectfully post a message and retract to my cave: leaf blowers belong in the seventh circle of Hell. I could not agree more. Agree as to gasoline blowers, they are an awful noisy and fume causing invention. But give us users of electric a break, much much less noisy and we...
by unstartable
Mon Sep 16, 2019 7:33 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 5043

Re: Best Leaf Blower?

Some photos that show the amount of leaves that some of us are dealing with. I wouldn't want to tackle this with an electric blower. And mulching in place will leave a lot of debris. And note in the pictures there's still leaves on the trees, sigh. https://i.ibb.co/6FxZgs3/IMG-1609.jpg https://i.ibb...
by unstartable
Mon Sep 16, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 5043

Re: Best Leaf Blower?

Buy it once and buy it right. I have a Stihl professional backpack blower. It has never failed me. +1 I started with a Stihl handheld, which was good, but didn't have the power to keep the pile moving once it reached a certain size. I upgraded to the Stihl backpack and it was absolutely worth it. +...
by unstartable
Mon Sep 16, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 5043

Re: Best Leaf Blower?

blowing the leaves off the lawn seems really inefficient to me. Every time I watch someone doing it, it seems they walk several miles chasing leaves all over the yard like the world's worst sheepdog. I got a tow-behind vacuum for my mower - Cyclone Rake is the brand. The only extra time compared to...
by unstartable
Mon Sep 16, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Having to consider replacing my car
Replies: 40
Views: 2507

Re: Having to consider replacing my car

I wouldn't be surprised if calipers need servicing or replacing, especially if the brake pads last a long time and the pins haven't been serviced. The cost over replacing just pads and rotors should be pretty minimal.
by unstartable
Fri Sep 13, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 5043

Re: Best Leaf Blower?

I have a bit less than an acre but a lot of trees. My town will pickup bulk leaves from the curb and my pile of leaves is about 5 ft high and 60 ft long, and it's uphill to get to the curb. If you have a large volume of leaves you want the largest backpack blower you can get. Do NOT buy a small blow...
by unstartable
Fri Sep 13, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 242
Views: 15254

Re: Disciplined with finances, but not so with diet

Lifting heavy weights changed my life.

Some sort of program that uses barbells to do compound lifts and focuses on increasing the amount of weight lifted is both effective and motivating.
by unstartable
Thu Sep 12, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: What older products/tools are better than modern equivalents?
Replies: 54
Views: 4735

Re: What older products/tools are better than modern equivalents?

Watermelons. The ones "without seeds" don't seem to taste as sweet.

Spatulas. It's tough to beat an old metal one with a flat front.

Plug-in power tools, circular saws and Sawzall especially.
by unstartable
Sun Sep 08, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Mensa membership
Replies: 90
Views: 7887

Re: Mensa membership

I once sat next to a group of members of the humanist association in a restaurant. They were having a pretty interesting and civil discussion about current world events and other issues. Maybe something like that would be more your speed.
by unstartable
Thu Sep 05, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Need to get a car in a hurry.
Replies: 48
Views: 5325

Re: Need to get a car in a hurry.

How is it illegal to buy a car, fix it, and then sell it for profit? Tell me what state you live in where that’s illegal so I can avoid doing business there. Most states require a dealer license, assuming the vehicles are going to be registered eventually. PA, MD, NJ, NY, CT, and CA for sure do. Pe...
by unstartable
Thu Sep 05, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Need to get a car in a hurry.
Replies: 48
Views: 5325

Re: Need to get a car in a hurry.

You have to fix the Camry anyway in order to sell it. So do that. Then decide if you want to keep driving it, or take your time shopping for a replacement. Why does the car need to be fixed in order to sell it? Who's going to buy a car that's dripping gasoline all over the ground? A do it yourselfe...
by unstartable
Wed Aug 28, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Diesel Chevy Equinox a good idea?
Replies: 36
Views: 1769

Re: Diesel Chevy Equinox a good idea?

Equinox is rated 39 mpg highway. A Subaru Crosstrek is rated 33 mpg highway. Where I get my gas, gasoline is $2.59 a gallon, diesel $2.85. Doing the math, the diesel (just for fuel) vehicle is cheaper at $11.25 per daily commute. Gas car, $11.77. The Crosstrek (or Outback or Forester) have much mor...
by unstartable
Wed Aug 28, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: Diesel Chevy Equinox a good idea?
Replies: 36
Views: 1769

Re: Diesel Chevy Equinox a good idea?

Is this in a part of the country that is flat? If so she should get an inexpensive front wheel drive car and put winter tires on it. She'll be driving about 40,000 miles per year, even if she gets a new car at 200,000 miles, she'll be buying one every 5 years. If AWD is a must, I would look at the l...
by unstartable
Thu Jul 25, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Car Check Engine Light
Replies: 29
Views: 1676

Re: Car Check Engine Light

Write down the exact code that is being read, be sure to ask if there is more than one. Then Google that code and your car model and year to see what has been said on other forums about that code on your car. This is the best advise. Usually a code could be any number of things. If there's common p...
by unstartable
Wed Jul 24, 2019 7:09 pm
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 20833

Re: Laid Off - Want to Retire / Am I OK

Can you move to a lower cost of living area to maintain lifestyle while reducing expenses?