Search found 203 matches

by FlyAF
Fri Nov 16, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3370

Re: Home sale etiquette: wall repair

I'm pretty surprised by the responses here. I've always patched and painted over all of the holes I made in the walls in the 4 homes that I've sold. It's sort of odd IMO that people suggest the buyer is aware of all the holes. I'd assume they were all hidden by whatever was hanging on the wall. A sm...
by FlyAF
Thu Nov 15, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 131
Views: 10376

Re: How Long / Hard To Become a Millionaire on Under $100k Income

It's possible if you're young enough, save aggressively enough, and invest aggressively enough. If you can save $20,000 per year (inflation adjusted) and invest it aggressively enough to get a 4% real return, you'll have $1,976,531 (inflation adjusted) in forty years. Even at 3%, you'll have $1,553...
by FlyAF
Thu Nov 15, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 13
Views: 866

Re: Dealing with Jeep for warranty claims. Any tips?

So you took it to the dealer and didn't bother to tell them about the issue, but expected them to just pick up on it? Doesn't seem like the best plan. My tip seems like an obvious one to me, but I'd suggest taking it to the dealer and making them aware of the problem before the warranty runs out? :...
by FlyAF
Thu Nov 15, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 36
Views: 1586

Re: What convenience fees does your city charge for credit card use?

My city water utility charges $2.00 per transaction. I pay by check now that they've implemented it. :annoyed $2 per credit card transaction regardless of the amount due? Yes, no matter what my water bill is, if I want to use a cc/debit card to pay my monthly bill online, they charge 2 bucks. I can...
by FlyAF
Thu Nov 15, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 36
Views: 1586

Re: What convenience fees does your city charge for credit card use?

My city water utility charges $2.00 per transaction. I pay by check now that they've implemented it. :annoyed
by FlyAF
Thu Nov 15, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 13
Views: 866

Re: Dealing with Jeep for warranty claims. Any tips?

So you took it to the dealer and didn't bother to tell them about the issue, but expected them to just pick up on it? Doesn't seem like the best plan. My tip seems like an obvious one to me, but I'd suggest taking it to the dealer and making them aware of the problem before the warranty runs out? :s...
by FlyAF
Wed Nov 14, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Home addition vs. Buying New
Replies: 39
Views: 2084

Re: Home addition vs. Buying New

It appears that you have a NW of about 600k in your mid 30's with 2 kids and you want to spend over half of that upgrading your house? I personally think both options are crazy and I'm far from a frugal lifelong boglehead. You make a great living. I'd make do for a few years and seriously sock money...
by FlyAF
Wed Nov 14, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 21
Views: 2082

Re: 2019 Subaru Forester Vs. 2019 Rav 4

Why would you willing get rid of a car w/ only 80k miles on it that you admit has given you no problems? Timing belt/chain is a regular maintenance item. Schedule it to be performed and keep 30 grand in your pocket. Unless you just have to have the latest cookie cutter SUV?
by FlyAF
Tue Nov 06, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking lot loan to build house
Replies: 19
Views: 1324

Re: Seeking lot loan to build house

I can't possibly think of a worse plan at your income and asset level. You could end up homeless with an unfinished house. I've lived in a lower (but still high) COL part of CA on your salary and there was no way I would've bought a house as expensive as you currently own, much less think about a cu...
by FlyAF
Mon Nov 05, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12700

Re: Are we in trouble?

our house payment in texas will be 7k including property tax. Our house payment in chicago was 4K including tax. We have a 3K bump. Our pay checks have gone up by 2K since we moved to a no tax state. that is the reason why we picked the new house even if it a little outside our comfort zone. Just b...
by FlyAF
Fri Nov 02, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25673

Re: PSA: Don't buy a big house

Now we are empty nesters and looking in the Southlake area of DFW. Would love to downsize, but no one builds small houses in TX in this area. (...) But to get the nice areas we would use, you have to have a media room, game room and 3 extra bedrooms. Barf. Also keep in mind when you tell everyone t...
by FlyAF
Thu Nov 01, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: How would you proceed?--car accident
Replies: 22
Views: 1787

Re: How would you proceed?--car accident

I can already tell you how this is going to end, had a similar thing happen. His insurance will claim no fault and since there is so little damage, your insurance won't try and fight it and will cut you a check for the damage minus your deductible. $1,000 in damage - $500 deductible = $500 check for...
by FlyAF
Wed Oct 31, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 29
Views: 1932

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

Not unless I was quite literally starving. Anyone who voluntarily walks into a car dealership for 50 bucks needs to have their head examined.
by FlyAF
Tue Oct 30, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4925

Re: Should I co-sign for relative?

LOL I would love to meet the person that has the gall to ask a relative to co-sign a new Range Rover lease. I mean I can't even..........

Ballin' on a budget when your credit is jacked up is hard.

I hope this thread is a joke.
by FlyAF
Tue Oct 30, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Treasure Island or Bally's in Las Vegas
Replies: 32
Views: 2274

Re: Treasure Island or Bally's in Las Vegas

I like TI. You can find $10 tables there fairly easily even at night, which is becoming a rarity on the strip . I think they discontinued the pirate show, which would have been fun for the kids, but is right next to The Mirage which has the volcano show. Whoa. $10 tables are now a rarity? How in th...
by FlyAF
Tue Oct 30, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Treasure Island or Bally's in Las Vegas
Replies: 32
Views: 2274

Re: Treasure Island or Bally's in Las Vegas

Stayed in a renovated room at Bally's a couple of weeks ago. They did a nice job, it was a nice room and was extremely quiet. You have to book a renovated room specifically as there are many that haven't been done yet. I stay there because of the location which is not exactly the most kid friendly l...
by FlyAF
Fri Oct 26, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25673

Re: PSA: Don't buy a big house

I lived most of my life in 1,000 or smaller square foot apartments. Our current ~2,000 square foot house feels like a castle to me. I have no idea how people live in 3,000+ square foot houses. I'd probably get lost and call for help. Yeah I can't count how many times I get lost in my craftsman McMa...
by FlyAF
Thu Oct 25, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Dental Mishap
Replies: 46
Views: 4816

Re: Dental Mishap

AlphaLess wrote:
Wed Oct 24, 2018 8:16 pm
GET
A
LAWYER

I would value any of my healthy, un-filled teeth at around $100K.
Do the math.
LOL, what do you value your baby teeth at? I'm guessing you gave them to the tooth fairy for a nominal fee.
by FlyAF
Tue Oct 23, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Warm weather getaway in December
Replies: 17
Views: 1809

Re: Warm weather getaway in December

OP doesn't have a passport. A lot of these suggestions are moot, but I would advise the OP to get his family passports before you need them in a pinch.
by FlyAF
Mon Oct 22, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5384

Re: Car Dealer told us car was Certified, but it isnt

I'd also venture a guess that you're confusing a "258 (or whatever number) point safety inspection" with "certified pre-owned." If it was a CPO, the salesman likely wouldn't have shut up about it, not casually mention it twice.
by FlyAF
Mon Oct 22, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5384

Re: Car Dealer told us car was Certified, but it isnt

I don't care about paperwork, a verbal contract is as good as written. You cant have sales people telling you a car is certified when it isn't that is fraud. You should care about paperwork because the sales people will deny that they told you that the car was certified and you will have no proof o...
by FlyAF
Mon Oct 22, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25673

Re: PSA: Don't buy a big house

We are moving from OH to the Dallas area. Our OH home is 4,100 sq ft, 1,100 of which is a finished basement. We loved it with the kids. The entertainment level is perfect. Bedrooms are upstairs. Basement was for the kids, workout room and laundry room. Now we are empty nesters and looking in the So...
by FlyAF
Mon Oct 22, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: House has major repair issues right after buying... options
Replies: 27
Views: 2319

Re: House has major repair issues right after buying... options

Drywall underneath a shower doesn't make any sense. Drywall behind the tile walls makes more sense. Blue/Green board is pretty standard underlayment for shower/tub tile walls. While it's certainly not the right/best way of doing it, it's the way flippers do it to save money since it does meet code. ...
by FlyAF
Mon Oct 22, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25673

Re: PSA: Don't buy a big house

Lots of replies touting the life expectancy of LED bulbs, are you guys working for these companies that manufacture them? My new home was finished a year and a half ago. I've already had to replace some burned out recessed LED can lights. I got a laugh when the new ones showed up and packaging claim...
by FlyAF
Mon Oct 22, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25673

Re: PSA: Don't buy a big house

For large and high ceilings, in the summer whole house fans can be used to reduce cooling energy expenses. Open your windows and the turn on the fan. The shutter opens and the fan draws in the cool air through the windows. The outside air should be cooler than the inside air. Turn it on at night wh...
by FlyAF
Mon Oct 22, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25673

Re: PSA: Don't buy a big house

For large and high ceilings, in the summer whole house fans can be used to reduce cooling energy expenses. Open your windows and the turn on the fan. The shutter opens and the fan draws in the cool air through the windows. The outside air should be cooler than the inside air. Turn it on at night wh...
by FlyAF
Fri Oct 19, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30216

Re: High End Wrist Watches (Gone Crazy)

Did we ever get an answer about Corn's fully funded elective surgery fund? That's the most interesting part of the thread.
by FlyAF
Wed Oct 17, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Help: Potential car lease fraud?
Replies: 6
Views: 1217

Re: Help: Potential car lease fraud?

Somebody who fraudulently leased a car would not have been paying for it. The car dealer just wants to get you in the door to sell or lease you something. Ralph Right? I get pieces of mail almost daily for things like this, or that my factory warranty is about to expire on a car I've never owned. W...
by FlyAF
Mon Oct 15, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4257

Re: Relocation to California

Luckily for us we do not need a raise in salary really. We are currently living solely on my wife's salary and mine is going totally into savings. So if I wipe out our little bit of consumer debt before we move then we will be fine with $$ for at least a short while. I wouldn't even need to look in...
by FlyAF
Mon Oct 15, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Cancun in a few weeks
Replies: 51
Views: 3495

Re: Cancun in a few weeks

I usually exchange my dollars for pesos at my hotel lobby conceirge. As good as a rate anyway, no funny money and no exchange charges however, if you do it through a credit card, you may pay a foreign currency fee. Consult your credit card company. I try to pay in pesos and not through my credit ca...
by FlyAF
Mon Oct 15, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4257

Re: Relocation to California

I've actually moved from the DFW area to SoCal recently. My move was part of a corporate relocation which included a very generous relocation package. The state income tax you'll be moving into is the biggest issue IMO. 10% haircut right off the top. Obviously housing is quite a bit more than DFW as...
by FlyAF
Mon Oct 15, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15546

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

TXPT wrote:
Sat Oct 13, 2018 11:30 am
TX is:
Hot
Humid
Doesn't rain much
Getting crowded
Traffic is bad
8.25% sales tax
2-3% of the value of your home will be your annual property tax, and it will go up every year
Just so you know...
It doesn't rain much in Texas? I think someone might have forgotten to tell the rain gods.
by FlyAF
Mon Oct 15, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Maui - Ka'anapali Beach Hotel
Replies: 15
Views: 2048

Re: Maui - Ka'anapali Beach Hotel

We stayed there 11 months ago. We chose it because it was the cheapest last minute option I could find in that area. The hotel is/was being renovated. Our wing had not been renovated yet and as such, the rooms were pretty old and dated. Room was clean and staff seemed ok. I didn't ever eat there and...
by FlyAF
Fri Oct 12, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1839

Re: Buying a pre-owned Lexus IS-250

why would someone buy a used car with 60k miles. Are you that desperate to drive a Lexus. This. I don't see why someone would pay $22k for this car unless they just really want an "L" badge on their car's grill. my wife drove a prius for 5 years and is now complaining . About what aspect of the Pri...
by FlyAF
Thu Oct 11, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1839

Re: Buying a pre-owned Lexus IS-250

I set out to purchase one of these until I test drove one. Like others have mentioned, it's under powered and boring as sin to drive, though it does look good. I ended up in a Cadillac ATS 2.0 Turbo AWD and after a year, I still love it.
by FlyAF
Wed Oct 10, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Very few junk phone calls in Spain?
Replies: 14
Views: 717

Re: Very few junk phone calls in Spain?

Just counted the number of junk calls I got in September: 9. My speculation is frequency of junk calls is a function of how you use your phone and how much you use your phone. If you don't use your phone often, there is no spam. My company issued cell phone number that I never use gets 1 or 2 junk ...
by FlyAF
Tue Oct 09, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3471

Re: What are your strategies when shopping for a house?

LOL @ bringing a lunch to eat at a house you're looking at. Then asking to meet the owners? 3rd visit requires you to meet the neighbors? If my agent started giving me your list of demands I'd tell them to have you look elsewhere. I mean, I can't even begin.......
by FlyAF
Wed Oct 03, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 2482

Re: Water Leak During New Home Construction

Things were wet, we were concerned, and talked to the builder. Granted, this was before any ceilings, drywall, or floors were in. But, they let everything dry out, made sure nothing else leaked, and all is fine. But, I suggest calm down, let them fix it, and be happy you're soon to be in your new h...
by FlyAF
Wed Oct 03, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15546

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

You say that you don't care about weather, but then mention that you don't want your house flooded. That could rule out places like Houston, and where did that last hurricane hit the other week? That's right, NC. You also mention tornadoes, and yep, TX has those too, among many other types of severe...
by FlyAF
Tue Oct 02, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: 2018 Ford Edge
Replies: 31
Views: 2397

Re: 2018 Ford Edge

Update: Test drove a Cx-5 GT: had a lease deal for zero down, $370/mo for 36 months. Handled great-didn't feel big enough for car seat/stroller Ford Edge: Liked how it drove but the blind spot was awful. Ford Explorer: loved it So now we are deciding between a zero down, 3 year lease on an AWD LX C...
by FlyAF
Thu Sep 27, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: HELOC to Pay off Mortgage
Replies: 36
Views: 3351

Re: HELOC to Pay off Mortgage

riverguy wrote:
Thu Sep 27, 2018 9:40 am
All that matters is the difference in loan rates. Nothing else. Highly likely the HELOC is a higher rate so this makes zero sense...
Exactly. It's odd to me that OP is highly compensated, so I assume smart and good at his/her job, but can't see through this?
by FlyAF
Wed Sep 26, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: School Loan debt vs
Replies: 15
Views: 1257

Re: School Loan debt vs

You don't realize it, but you already have a mortgage, it just happens to be in the form of student loans. Your student loan debt amount cost more than my first house. No way you're in a position to be buying one next year no matter what society has led you to believe. Listen to this society here on...
by FlyAF
Wed Sep 26, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7504

Re: Fed up with health insurance situation

The root problem is that we are spending too much on healthcare. Healthcare is something like 18% of our economy or about 10k per person per year. That is unsustainable. Someones got to pay that. Insurance companies have to take in more than they pay out to cover their overhead and profit. The fede...
by FlyAF
Wed Sep 26, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3963

Re: First-time victim of credit card fraud

I/we have a card compromised 5-10 times a year. My bank is awesome about it and is aware that we both travel internationally extensively and need access to money, so what can be done? Bank somehow knows immediately that the charges are bogus and denies the transactions and alerts me. I don't know ho...
by FlyAF
Tue Sep 25, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 61
Views: 7942

Re: Someone stole my check from the mail, changed the amount, and deposited it

I still have to write a number of checks, more than you all apparently. It's at least 1-2 per month. Clark Howard has discussed this fishing before. I need to get a gel pen. Why ? You can send a bank check via online bill payment to anyone anywhere ? As I said before, the check is printed not handw...
by FlyAF
Tue Sep 25, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: General contractor vs. hiring indivdual contractors
Replies: 5
Views: 731

Re: General contractor vs. hiring indivdual contractors

I'd never hire a GC for what you're describing, but I'd also lol in the face of someone that quoted me $10 sq/ft for vinyl plank flooring. Are you up for this kind of project? Do you know what a GC actually does? Are you familiar enough with the various costs of all the materials needed so that you ...
by FlyAF
Tue Sep 25, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5773

Re: Ripped off by a locksmith

I'm betting the tip is because the guy that came out ran the OP's cc using Square plugged into an ipad/iphone to process the payment. Lots of small businesses are using Square these days, including restaurants. Since Square is a one size fits all device, there is an option to tip before you sign. It...
by FlyAF
Mon Sep 24, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7504

Re: Fed up with health insurance situation

Anyone ever find themselves in a similar situation? Perhaps things are dramatically worse than they were a few years back when I was still working. Or perhaps its your locale. Although premiums continue to rise, I haven't heard similar complaints from my still-working friends. You haven't heard of ...
by FlyAF
Fri Sep 21, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Rate our 5 yr plan and beyond
Replies: 25
Views: 1539

Re: Rate our 5 yr plan and beyond

I've thought about that cutting back to get the match, but it seems the hierarchy of this forum is the auto is a relatively low rate and we are in the 22% tax bracket. Doesn't matter, you are massively over leveraged. If your wife gets laid off longer than a year and you cant make the payment they ...
by FlyAF
Thu Sep 20, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3804

Re: Bathroom and Basement Remodel Costs

50+ grand for under 200 sq ft? Hard pass.