Search found 109 matches

by shawndoggy
Wed Aug 08, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 49
Views: 1961

Re: Selling a used car

what's the time worth to you? No offense intended, but wanting to do a proper ad in the first place, or put on hubcaps, etc etc, suggests you are pretty much ready to wash your hands of the old girl. I'd take your $1K and run. Well, no, actually, I'd clean the car up and try to get a little more mon...
by shawndoggy
Tue Aug 07, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 49
Views: 1961

Re: Selling a used car

As noted, you need better pics! Landscape (phone sideways) not portrait. Wash the car. Wax the car. Put tire dressing on. Wash the windows. Vaccum the car. Take all personal belongings out and wipe down the interior before taking pics. Take pics at sunset (not in the middle of the day ever). Take pi...
by shawndoggy
Tue Aug 07, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 49
Views: 1961

Re: Selling a used car

Thegame14 wrote:
Mon Aug 06, 2018 2:38 pm
I took 4 pictures, but mostly the top half of the car. I didn't want my license plate in the pictures. Also inspection is good until summer 2019.
When you drive the car around, how to you keep people from seeing the license plate?
by shawndoggy
Wed Aug 01, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10213

Re: Peloton spin bike worth the high cost?

I'm curious whether the cyclists who buy a peloton take the spin bike saddle off and put a real saddle on there?
by shawndoggy
Wed Jul 25, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Back Car Lights all went out
Replies: 25
Views: 966

Re: Back Car Lights all went out

Brake lights are dual filament bulbs - if the lights are not on, you press on the brakes, it will come on. Or if you have your lights on, the brake lights will stay on (at a lower brightness) and when you press on the brakes, it will come on at a higher brightness. I just sounds like you need to re...
by shawndoggy
Wed Jul 25, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Back Car Lights all went out
Replies: 25
Views: 966

Re: Back Car Lights all went out

my worry is that I just inherited this car from my wife, who we just bought a "new" car. And It is been in the shop literally every week for four weeks, she took the car to Pep Boys for one back light being out and check engine light and she paid them like $300 to fix both... After this did the run...
by shawndoggy
Wed Jul 25, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Back Car Lights all went out
Replies: 25
Views: 966

Re: Back Car Lights all went out

it could be. What car? for most modern cars (and especially modern cars that seem to have frequent problems) a code reader is very valuable. You plug it into the OBDII port under the dash and it tells you any codes that are stored in the car's computer. You can look those codes up on the interwebs f...
by shawndoggy
Tue Jul 24, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 2966

Re: Craigslist payment by PayPal - safe or scam?

You might have a much easier time buying things if you didn't exactly match the pattern scammers make. Seriously paypal is not at all safe. It can be pulled back long after it is put in and cashiers checks can likewise be faked quite convincingly such that it takes them days to come back as fraudul...
by shawndoggy
Tue Jul 24, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 2966

Re: Craigslist payment by PayPal - safe or scam?

Just as a counterpoint, I've bought quite a few small items after conducting nationwide searches via a CL aggregator (seachtempest.com in my case). After I make contact with the seller and negotiate a price I break the news that I'm actually from out of town and that I'll need the item shipped to me...
by shawndoggy
Tue Jul 24, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6778

Re: Daughter wants to travel on her own to Montreal

before she goes to college. While I totally get being concerned, once she leaves for college she can (and hopefully will) do this trip on her own/with friends and there's really not much you can do about it. So just tread carefully on the "because I said so" card. The rolling solo part is weird IMH...
by shawndoggy
Mon Jul 23, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 2966

Re: Craigslist payment by PayPal - safe or scam?

If you think CL is safe, why were safe zones established by police departments? Because people (typically buyers with cash in their pockets) are paranoid? In the context of selling stuff locally, how is craigslist different from the classified ads in your local newspaper 15 years ago? I've never on...
by shawndoggy
Mon Jul 23, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 2966

Re: Craigslist payment by PayPal - safe or scam?

LarryAllen wrote:
Mon Jul 23, 2018 11:53 am
No. It's 100% financial/online scam. They don't want to come steal the piano. I have had the same email/text from $20 items to $1,000 items. Big/small/whatever. Scammers send almost the identical text/email every time.
'zactly.
by shawndoggy
Mon Jul 23, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 2966

Re: Craigslist payment by PayPal - safe or scam?

Scammers can lookup phone, find address, know that the item is in your home. Dimwitted sellers say "I can do at 7 after work", now scammer knows you aren't home during day. I use a GV number only for a few transactions a year, rest are via CL confidential email. I have done hundreds of transactions...
by shawndoggy
Mon Jul 23, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 2966

Re: Craigslist payment by PayPal - safe or scam?

No. Don't give phone number unless it is a GV number. Use your discretion. Scammers can't reach through your phone, FYI. Blanket "don't give someone your phone number" advice is like those people who blur out their license plate numbers when they post pics of their car for sale (as if we can't all ...
by shawndoggy
Mon Jul 23, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 2966

Re: Craigslist payment by PayPal - safe or scam?

scam.

If you even get a hint of a whiff of a scam, ask the potential buyer to call you. Most scammers won't, and most who do call will obviously be scammers. Ask lots of questions when you talk to get comfortable.
by shawndoggy
Mon Jul 09, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: New ladies bike: recommendations
Replies: 17
Views: 1095

Re: New ladies bike: recommendations

I got my wife a townie with a nexus 8 internal hub. She loves it. Great for cruising around down, fine for doing a 10-20 mile ride on vacation. She's fit but is never going to be a "cyclist." This bike is one she will ride to the grocery store or local summer evening events, etc. We live where it's ...
by shawndoggy
Mon Jul 02, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 4766

Re: bike helmets

I've seen people unable to unclip from their pedals quick enough at a stoplight/stop sign and fall over sideways while going 0 mph and whack their head no matter how experienced they are with their pedal system. Dang, that must be a janky system! Even after becoming extremely familiar, you know peo...
by shawndoggy
Mon Jul 02, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3897

Re: Recommend a vehicle for $24,000 or less

Re: fees. The dealer can have their own fees. I can buy a Camry for $1,000 and the dealer can tack on a $30,000 fee (documentation, delivery, lot-use, commission, whatever else they want to call them). I agree that sales tax, license/registration, inspection, and title are mandated costs that are l...
by shawndoggy
Mon Jul 02, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 4766

Re: bike helmets

Or is it that bicycling by adults has, in this country, come be seen as an almost exclusively "sports" activity, with the all the heightened relative risk that that involves? That the "racer-fication" of bicycling has made people forget that, sometimes, people like to just hop on a bike in their no...
by shawndoggy
Mon Jul 02, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3897

Re: Recommend a vehicle for $24,000 or less

livesoft wrote:
Mon Jul 02, 2018 8:15 am
Are all these mentioned prices truly truly Out-the-Door including all taxes (state, local, sales, property, whatever), all fees, and EVERYTHING?
how can that possibly be known? Better to compare pre-tax prices, because taxes and fees are a local issue and vary widely from place to place.
by shawndoggy
Mon Jul 02, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3897

Re: Recommend a vehicle for $24,000 or less

just to throw out something a little different, looks like you can get into a VW golf alltrack wagon for around that pricepoint. 2018s have 6 year 72,000 mile bumper to bumper warranties too, if you have concerns about VW reliability.
by shawndoggy
Sat Jun 23, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: [USA-FL] Selling a joint deed/mortgaged property when one person wants out?
Replies: 11
Views: 610

Re: [USA-FL] Selling a joint deed/mortgaged property when one person wants out?

I would put property into LLC and have the operating agreement address buy-sell conditions and methodology. There would likely be other triggering events in addition to just wanting out (death, bankruptcy, etc), and it would make more sense (IMHO) to allow one or the other partner keep the property ...
by shawndoggy
Tue Jun 19, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2765

Re: Drive from Phoenix to San Diego

Update: Going to Sequoia and Kings Canyon for 2 nights, Yosemite 2 nights. Was luckily able to find lodging within the parks last minute. We plan to exit Yosemite from the East Side and drive down 395 after checking out Toulumne Meadows, and Mono Lake. Are we better of spending the night in Mammoth...
by shawndoggy
Mon Jun 18, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Kid's Online Access for Kid's Brokerage Accounts
Replies: 9
Views: 832

Re: Kid's Online Access for Kid's Brokerage Accounts

At fidelity, if your kids open their own accounts (I guess once they are 18), then they get access to the UTMA account too. Not sure whether they can trade in it, but it definitely shows up as part of their portfolio.
by shawndoggy
Sat Jun 16, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2765

Re: Drive from Phoenix to San Diego

Carefreeap wrote:
Sat Jun 16, 2018 10:18 am
As a California native I'm embarrassed to say it's only been within the last five years that I've spent some time in the area.
It's really the best part of the sierras... easily accessible high country without the crowds on the other side. North of Lee Vining towards Bridgeport is real nice too.
by shawndoggy
Fri Jun 15, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2765

Re: Drive from Phoenix to San Diego

;-) the reason I suggested Mammoth is that there's plenty of cheap/nice lodging there this time of year (vs trying to get a place "in" Yosemite). You should be able to find a nice ski condo for $150 a night or less. Plus it would require you to drive out of Yosemite on the backside, which is frankly...
by shawndoggy
Fri Jun 15, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2765

Re: Drive from Phoenix to San Diego

If Yosemite is indeed an option, it is far, far better to go there than Sequoia. Still a huge drive back down to San Diego. In the West, distances are vast and, worse of all, the scenery between the good parts is boring at 60-80 mph. And as mentioned a couple of times above, very hot in Summer. I'd...
by shawndoggy
Fri Jun 15, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2765

Re: Drive from Phoenix to San Diego

Ok - so you naysayers convinced me! We are going to skip these hot parts this time, and visit Grand Canyon, Joshua Tree on another trip in the fall. This was supposed to be an add-on to our SD trip. I think we are now going to visit Sequoia National Park. Looking into flying into Fresno, spend 2-3 ...
by shawndoggy
Wed Jun 13, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2327

Re: House that was in trust is actually in estate

You probate the Will, not the assets. Unless you're in a state like California where probating a Will is said to be difficult, what's the problem with probating a Will? In most states it simply means filing some forms with the court together with the Will and a death certificate. I've only ever hea...
by shawndoggy
Wed Jun 13, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2327

Re: House that was in trust is actually in estate

Well, then, it is in the trust. Show the will to the title company. My will has a provision like this, anything I own that is not in the trust when I die, goes into the trust. You do not have a problem. No problem except probate. Sure, the will says that the trust is the beneficiary, but assets not...
by shawndoggy
Tue Jun 12, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2327

Re: House that was in trust is actually in estate

Why out of trust for refi if mortgage is in the name of the trust?
by shawndoggy
Mon Jun 11, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5180

Re: How do you celebrate (potty trained kid) milestone with your spouse?

I would celebrate with a case of purell for all of the gross public bathrooms you'll now need to visit when your child decides it's time to poop RIGHT NOW!
by shawndoggy
Thu Jun 07, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 18259

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Perhaps but in my college years there wasn't a single private college that I applied to that did not offer me substantial scholarships and grants. Perhaps things have changed since 15 years ago but I had been under the assumption that those scholarships were something nearly everyone got. Ivies are...
by shawndoggy
Wed Jun 06, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 14338

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

GCD wrote:
Wed Jun 06, 2018 10:19 pm
It's been awhile since I read any law review articles and I didn't pay close attention to the author's bio back then either.
Does ANYONE read law review articles other than people trying to get published, people citing to prior work and the students on the law review? :wink:
by shawndoggy
Wed Jun 06, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 6962

Re: What commuter car provides the best long term financial value?

I'm interested to hear the empirical answer. My gut also says moderately used prius given their high reliability / high mileage / low maintenance costs.
by shawndoggy
Mon Jun 04, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Completing Quit Claim Deed
Replies: 6
Views: 746

Re: Advice on Completing Quit Claim Deed

And don't forget the gift tax implications of transferring ownership via quit claim deed, or the IRS will come looking for you... Why is QC deed any different than a warranty deed in this regard? Might want to see if your jurisdiction has a donative deed (where a beneficiary type transfer occurs au...
by shawndoggy
Mon Jun 04, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 14338

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

What if you aren’t at the top of your class? Everyone at a T5 school is super smart.
by shawndoggy
Sun Jun 03, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 14338

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

It sounds like you want to be given puzzles, get a chance to crawl in the cave and unpack them, and then hold them up to the light of day for scrutiny... when you are ready on your time. And when you get tired you want to crawl into bed, sleep soundly, not be distracted, and then wake up refreshed t...
by shawndoggy
Sat Jun 02, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 18259

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

I am not convinced that even if she got into one of the top tier/ivy schools, it is worth the premium over a highly regarded flagship state school. Me neither, at least for those of us who would have to pay full-boat. $300k vs "free"? My kids were in the same range as your daughter. Oldest got subs...
by shawndoggy
Sat Jun 02, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 18259

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

I have a daughter who might have the grades and test scores to be academically competitive for one of the top tier/ ivy schools (4.+ GPA, SAT 1520, second in her high school class of 400). She does not have any other special talent/circumstance that would set her apart from other applicants. If we ...
by shawndoggy
Tue May 29, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13039

Re: how do you tip on wine at a restaurant

That irked me, so I instituted a charge back for the incorrect amount and got my $0.02 cents back. I call this the Superman III effect. Like we all think that if someone screws us out of 2 cents enough, they're getting rich off of our indifference. I'm sure if I were a waiter looking to get rich (a...
by shawndoggy
Tue May 29, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: work one more year or attend law school
Replies: 67
Views: 5335

Re: work one more year or attend law school

This is an enlightening conversation. My own personal take would be to get out of law school debt free if you could... but I didn't go to a T5 law school (haha I didn't even really look at rankings then, but it looks like mine was in the top 40 in the mid 90s). But I did graduate debt free. And I ge...
by shawndoggy
Sun May 27, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10213

Re: Peloton spin bike worth the high cost?

Rollers|headphones|trainerroad|netflix for me.

And then when it's nice outside I can ride my "exercise bike" to work, the store, the mountains...
by shawndoggy
Wed May 23, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Best used SUV, Wagon, Hatch, Pickup under $10k
Replies: 34
Views: 3129

Re: Best used SUV, Wagon, Hatch, Pickup under $10k

snackdog wrote:
Wed May 23, 2018 2:13 pm
Nice suggestions! My mother had a Saab in the early 80s. We had a Subaru previously and hated the seats. TSX sportswagen is kinda cool, but not common particularly in the manual configuration.
I'm pretty sure the TSX wagon can't be had in a manual at all.
by shawndoggy
Wed May 23, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Best used SUV, Wagon, Hatch, Pickup under $10k
Replies: 34
Views: 3129

Re: Best used SUV, Wagon, Hatch, Pickup under $10k

actually I totally forgot about the tsx wagon. That's the winner.

(lol but OP also said cool and then said highlander, so really all bets are off!)
by shawndoggy
Mon May 21, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Best used SUV, Wagon, Hatch, Pickup under $10k
Replies: 34
Views: 3129

Re: Best used SUV, Wagon, Hatch, Pickup under $10k

A honda odyssey scores well on all factors aside from cool, in which it fails dismally. A Saab 9-7x aero (Chevy trailblazer SS clone but with nicer interior) is pretty dope though not sure how you’d do reliability wise, and I’m sure that the LS2 shoehorned in the engine bay isn’t going to get killer...
by shawndoggy
Tue May 15, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 5296

Re: College laptop for fall 2018 freshman

ALL virtualization software has a virtualization overhead INCLUDING parallels, usually it's in the neighborhood of 5-10% on CPU and I/O performance and can be much, much higher on graphic performance (sometimes orders of magnitude slower than running bare metal). I've never used it but doesn't boot...
by shawndoggy
Tue May 15, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 5296

Re: College laptop for fall 2018 freshman

That's actually not the case, while Macbooks are remaining popular with people invested in the Apple ecosystem the premium Windows laptops such as Spectre, Dell XPS, and Microsoft's Surface Books all match or out perform the Macbook with just as good or better build quality often at $750 to $1,000 ...
by shawndoggy
Mon May 14, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 5296

Re: College laptop for fall 2018 freshman

So I actually followed the groupthink in fall of 17, buying my son a 13" Dell XPS laptop (4k/i7/512 ssd/16gb ram) using the costco/citi visa to get the 4 year warranty. On paper the specs were equivalent to a mbp costing $1000 more. Let's just say in practice the computer itself hasn't been great. i...
by shawndoggy
Thu May 03, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for kid's sport?
Replies: 49
Views: 2526

Re: Budget for kid's sport?

we found wrestling to be extremely inexpensive (and a huge time suck, so on a dollar per hour basis, a bargain).