Search found 509 matches

by FlyAF
Wed Mar 11, 2020 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Unmarried home ownership, joining his preexisting purchase
Replies: 72
Views: 3745

Re: Unmarried home ownership, joining his preexisting purchase

Sounds like he's trying to fund a remodel that he can't afford on a house that he can't afford.
by FlyAF
Thu Feb 27, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fine Art: Appraisal and insurance concerns
Replies: 24
Views: 1012

Re: Fine Art: Appraisal and insurance concerns

hi all, update here. just got a quote from Chubb. i'll need to package it with Renters Insurance. $500K of Personal Liability + $100K Contents + $50K Artwork = $1,021/year the Renter premium is $880/year with a deductible of $2,500 and the art is $141. thoughts? That seems reasonable. I can't remem...
by FlyAF
Thu Feb 27, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Considerations of Leaving MegaCorp
Replies: 13
Views: 1451

Re: Considerations of Leaving MegaCorp

I wouldn’t personally work for a company that didn’t offer those things. To me, it’s a signal that they aren’t a “real business” or they’re still figuring out how to be a business, and may not last long. It just feels bush league. Wonder if they will make payroll consistently. This. I had always wo...
by FlyAF
Thu Feb 27, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Fine Art: Appraisal and insurance concerns
Replies: 24
Views: 1012

Re: Fine Art: Appraisal and insurance concerns

I fool with expensive artworks quite a bit. I buy/sell and rotate works in my home. My homeowners insurance (Travelers) let me add a rider to the policy for artwork for an amount that I specified (call it 100k). I personally find appraisals pretty pointless. Just because some random says a work is w...
by FlyAF
Wed Feb 26, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Car recall can't drive over 3 months-WWYD?? FORD
Replies: 22
Views: 2261

Re: Car recall can't drive over 3 months-WWYD?? FORD

turkey1234 wrote:
Wed Feb 26, 2020 11:01 am
Ford company sent us a letter saying not to drive the car that it is unsafe.

Ford just said to drive the car.
These two statements contradict each other. Which is it?
by FlyAF
Wed Feb 12, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

Re: Coronavirus (Consumer Issues) How you are preparing?

This thread has inspired me to stock up the beer fridge after work. The thought of being quarantined in my house for 2 weeks and running out of hooch is too much to chance it.
by FlyAF
Tue Feb 11, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Average duration of securing a home mortgage
Replies: 14
Views: 1139

Re: Average duration of securing a home mortgage

That offer is as useless as t*ts on a bull.
by FlyAF
Tue Feb 11, 2020 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payment Grace Period
Replies: 24
Views: 1610

Re: Mortgage Payment Grace Period

Count of Notre Dame wrote:
Tue Feb 11, 2020 2:36 pm
I don't like the idea of paying someone before the money is really due
Didn't you sign a contract agreeing to the due date of the 1st? Wouldn't that make it the "really due" date?

People are so weird about money.
by FlyAF
Mon Feb 10, 2020 4:21 pm
Forum: Personal Consumer Issues
Topic: Furniture etc. for fresh/future college grads
Replies: 11
Views: 521

Re: Furniture etc. for fresh/future college grads

oldfatguy wrote:
Mon Feb 10, 2020 4:20 pm
Sell it for whatever you can get. Used furniture has very little value.

1) Your kids probably won't want it
2) Even if they do want it, it won't be worth the cost of storing it and moving it.
This. College age kids don't want grandmas old dresser.
by FlyAF
Fri Feb 07, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6937

Re: The annual "Boglehead considering a country club" thread

I will say this about the social aspect of cc's. I've been a member of about 6-8 in various places around the US. Make no mistake about it, cc membership is 90%+ old men. Your family will likely be one of the very few younger families. That is why virtually all clubs have a "junior executive" member...
by FlyAF
Fri Feb 07, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6937

Re: The annual "Boglehead considering a country club" thread

I've been a member of CC's my entire adult life in every city I've lived, often times owning a home on the actual courses where I just jump in the cart and head out from my garage. In your situation I'd probably pass. You say you will use it a bunch, but I just don't see it. I assume you have a full...
by FlyAF
Fri Feb 07, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 60
Views: 3199

Re: Engagement Ring Insurance

looks like I can get it insured for 90-100 dollars a year - have to read the fine print, but I'll pay that every year to not care if this thing that still cost me thousands of dollars goes missing. Thousands of dollars? That's a lot to spend on a ring that might get lost. I spent about $500 in supp...
by FlyAF
Tue Feb 04, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: How much money can I spend on a car?
Replies: 59
Views: 5351

Re: How much money can I spend on a car?

Trust was only 3.5MM less than a year ago, so whoever is managing it is certainly doing a fantastic job.

Don't feed the trolls.
by FlyAF
Tue Feb 04, 2020 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a bigger home -- or should I buy a bigger home? (Bay area, CA)
Replies: 41
Views: 4036

Re: Can I afford a bigger home -- or should I buy a bigger home? (Bay area, CA)

If the current place has 2 full bathrooms, I'd probably stay. If not, I'd explore. And if I stayed, I'd hire a professional to design and furnish my space with all new furniture and such. The current place could be made to feel much bigger with things like custom closets and furniture sized correctl...
by FlyAF
Mon Feb 03, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: Longest battery smart phone
Replies: 35
Views: 2534

Re: Longest battery smart phone

Small portable battery backups were created exactly for this and cost like $20 bucks. Throw it in your carry-on and be done. 2nd phone? No thanks.
by FlyAF
Fri Jan 31, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9373

Re: Suggestions for wife's new luxury (or non luxury) SUV????

Sandtrap wrote:
Fri Jan 31, 2020 9:29 am
Range Rover (DW loves this but no nearby dealer and servicing) Is this as reliable as a Toyota?
Surely you jest?
by FlyAF
Thu Jan 30, 2020 9:12 am
Forum: Personal Consumer Issues
Topic: Should we keep our new car extended warranty?
Replies: 40
Views: 2038

Re: Should we keep our new car extended warranty?

Why do you need 2 warranties for the first 3 years?
by FlyAF
Tue Jan 28, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: considering buying a condo in scottsdale
Replies: 9
Views: 901

Re: considering buying a condo in scottsdale

2) Is buying your daughter a condo in her best interest? There's something to be gained from having to make do with what you got. Self-reliance, appreciation for what you've earned, less of a sense of entitlement, managing money properly, are all good traits that come from not being handed things. ...
by FlyAF
Tue Jan 28, 2020 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Escrow account skipped property taxes for 2019
Replies: 16
Views: 1101

Re: Escrow account skipped property taxes for 2019

If you're on this website, odds are almost certain that you don't need an escrow account. Ditch it and be free.
by FlyAF
Thu Jan 23, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: Sharing a Business Class Seat
Replies: 51
Views: 4534

Re: Sharing a Business Class Seat

There is a reason this very plot line shows up in movies and tv shows. It's because this type of behavior is that boorish and over the top.

Don't be that guy.
by FlyAF
Thu Jan 23, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: Sharing a Business Class Seat
Replies: 51
Views: 4534

Re: Sharing a Business Class Seat

Not going to happen.
by FlyAF
Thu Jan 23, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance cost
Replies: 98
Views: 6778

Re: Umbrella insurance cost

$450'ish for 5M for 2 adults, no kids.
by FlyAF
Thu Jan 23, 2020 8:50 am
Forum: Personal Finance (Not Investing)
Topic: $2 million at a young age
Replies: 78
Views: 8966

Re: $2 million at a young age

wilked wrote:
Thu Jan 23, 2020 7:18 am
What is your education level? What do you want to do professionally in life?
This. You mention not having student loans which sounds like you went to college, but then say you work for min. wage which would lead me to believe that you haven't.
by FlyAF
Wed Jan 22, 2020 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Potential new job - longish post
Replies: 29
Views: 1728

Re: Potential new job - longish post

Grass is most certainly not greener here. Pass.
by FlyAF
Mon Jan 20, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Career change at 47
Replies: 116
Views: 11372

Re: Career change at 47

Don't want to manage projects or people Don't want to sit at a desk Don't want to climb corporate ladder Don't want to do physical work Don't want to get dirty Don't want to work long hours Don't want to go "backwards" aka Home depot or handyman Did I miss anything? Is there anything that you actual...
by FlyAF
Mon Jan 20, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: Time to get a bearded dragon?!
Replies: 57
Views: 4626

Re: Time to get a bearded dragon?!

donall wrote:
Sun Jan 19, 2020 11:47 pm
No, too much opportunity for salmonella with a reptile and young kids.
This
by FlyAF
Fri Jan 17, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Spain in July with kids
Replies: 49
Views: 3528

Re: Spain in July with kids

Combining Madrid and the beach would be time-consuming and expensive for a family. I recommend you either (a) stay in Madrid and take day trips to nearby places or (b) fly to Barcelona, Valencia, or Malaga and make it a beach vacation. Thanks! So which would you prefer for 5 nights....Barcelona, Va...
by FlyAF
Fri Jan 17, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Spain in July with kids
Replies: 49
Views: 3528

Re: Spain in July with kids

Combining Madrid and the beach would be time-consuming and expensive for a family. I recommend you either (a) stay in Madrid and take day trips to nearby places or (b) fly to Barcelona, Valencia, or Malaga and make it a beach vacation. I tend to agree. If flying in and out of Madrid, you're going t...
by FlyAF
Fri Jan 17, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: Spain in July with kids
Replies: 49
Views: 3528

Re: Spain in July with kids

One of our favorite vacations was to Roses and then Begur on the Southeast coast. . . pretty close the border with France. Its a pretty good distance from Madrid, though it was wonderful. Not a typical beach town. An old castle on the hill and a festival celebrating Cuba? We drove from in from Belg...
by FlyAF
Fri Jan 17, 2020 8:32 am
Forum: Personal Finance (Not Investing)
Topic: trusting a financial advisor
Replies: 34
Views: 2613

Re: trusting a financial advisor

VT1964 wrote:
Fri Jan 17, 2020 6:15 am
OK, the 'financial advisor' did not address my main issue: overview of taxes, capital gains, tax efficiency etc. Instead I got a generic sales pitch.
I'm sure all of about zero of us are surprised by this news.
by FlyAF
Tue Jan 07, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Adding Mother-in-law to joint account?
Replies: 23
Views: 1895

Re: Adding Mother-in-law to joint account?

If 400k in home equity is the entirety of her net worth, she absolutely cannot afford the place. What are we missing here?
by FlyAF
Mon Jan 06, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Cosmetology School vs Traditional College
Replies: 99
Views: 6134

Re: Cosmetology School vs Traditional College

This is not the place for advice on this subject. Folks here cut their own hair with a flowbee or lay out the massive 12.95 for a sport clips haircut. There's plenty of $ to be made doing hair. In my neck of the woods a cut/color starts at $200. It's not the fast track to poverty that people here ma...
by FlyAF
Fri Dec 27, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sell house with minimum fixes or built a new one and sell
Replies: 15
Views: 1062

Re: Sell house with minimum fixes or built a new one and sell

The entire economy could fall apart in the time it takes to build a house like that. The builder could go out of business half way through and you end up holding the bag of debt and an inhabitable piece of property to boot. Think it can't happen? So did many others only a decade ago.
by FlyAF
Mon Dec 23, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Envelope Mailed on Saturday. Envelope Mailed on Monday. No Difference in Delivery Date.
Replies: 31
Views: 2164

Re: Envelope Mailed on Saturday. Envelope Mailed on Monday. No Difference in Delivery Date.

In my experience mailing Netflix DVDs, DVDs mailed on Saturday (at the post office) get back to Netflix sooner than those mailed Monday most times (that is, at least 80% of the time). This has continued to be true even as Netflix has consolidated distribution centers and now my DVDs have to go fart...
by FlyAF
Fri Dec 20, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: New home not included in USPS database - minor headache
Replies: 21
Views: 1849

Re: New home not included in USPS database - minor headache

I've dealt with this twice. It's annoying to say the least and like all things govt, it takes time to work itself out. You're not going to get someone on the phone or in person who can simply just "fix" it. The most recent time, I just got a PO box and let the process work itself out w/o thinking ab...
by FlyAF
Tue Dec 17, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Energy Audit, Attic/HVAC Insulation and Sealing
Replies: 14
Views: 989

Re: Energy Audit, Attic/HVAC Insulation and Sealing

I would do it just for the comfort alone. If you moved in in Sept and couldn't keep the upstairs cool, imagine what summer month after summer month will feel like next year. I live in the same climate. The $$$ savings and timetable to break even are secondary IMO (even though it works out mathematic...
by FlyAF
Tue Dec 17, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: US Postal Worker - why give them a gift?
Replies: 45
Views: 2309

Re: Does anyone gift their mailman?

merganser wrote:
Tue Dec 17, 2019 3:19 pm
By the way, the nearest Starbucks is 45 miles away.
Do you live on the moon?
by FlyAF
Mon Dec 16, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Valuating a business
Replies: 15
Views: 878

Re: Valuating a business

Getting your money back out after two years is a far better result than what happens to most who have a failed business venture. Just saying.
by FlyAF
Wed Dec 11, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 304
Views: 17755

Re: another too clever scam

So A was on the phone with the scammer, figured out he was being scammed, and continued on with the scam knowingly? All the while he was on the phone with 2 different people at the same time?

Sounds unlikely and A sounds like a dolt.
by FlyAF
Fri Dec 06, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: termination with out severance from a mega-corp
Replies: 51
Views: 8989

Re: termination with out severance from a mega-corp

My company would fire me too if I took a quarter off. How is this a surprise? OK, but from the bolded text in the original post, I take the question to be about the severance, not the fact of being fired. Combine that with the statement that the topic apparently came up before the LOA, and “in phon...
by FlyAF
Fri Dec 06, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Paying for vices (like cigarettes)
Replies: 72
Views: 6561

Re: Paying for vices (like cigarettes)

I just got a fresh shipment of tin foil hats in that I'm selling at a great price. PM for details.
by FlyAF
Fri Dec 06, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: termination with out severance from a mega-corp
Replies: 51
Views: 8989

Re: termination with out severance from a mega-corp

My company would fire me too if I took a quarter off. How is this a surprise?
by FlyAF
Wed Dec 04, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 370
Views: 38110

Re: Follow Up: Husband's Surprise Debts

You are current with the back taxes but not with 2018, right? You've never met your accountant? I'm trying hard to think of something financially actionable to say. I think you should meet the accountant and maybe the two of you can come up with a plan for getting DH to see this differently. Or may...
by FlyAF
Tue Dec 03, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: How should I buy my aunts house?
Replies: 39
Views: 3206

Re: How should I buy my aunts house?

Another vote for option 3.
by FlyAF
Tue Dec 03, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Neighbor still using driveway, shoveling path to their garbage
Replies: 40
Views: 2739

Re: Neighbor still using driveway, shoveling path to their garbage

Wouldn't a (valid/current/certified/sealed/whatever you want to call it) survey have been required for the sale of the house? I've never bought a place where that WASN'T a requirement. Maybe it's a state thing? From the threads, this sounds like a very odd duplex setup. 2 homes, 1 has a driveway and...
by FlyAF
Tue Dec 03, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Truck idling sound 4-5am nuisance
Replies: 18
Views: 1377

Re: Truck idling sound 4-5am nuisance

He's not going to do anything different regardless, it's part of his "routine." This practice is especially common with diesel truck owners.

I'd be beyond annoyed as well.
by FlyAF
Wed Nov 27, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: I wish I could ignore it...but I can't (ZILLOW!)
Replies: 68
Views: 9830

Re: I wish I could ignore it...but I can't (ZILLOW!)

greg24 wrote:
Wed Nov 27, 2019 12:32 pm
Zillow mainly seems to be a site that homeowners use to obsess about the "value" of their current home.
This. Bought and sold a lot of homes, I've never once visited Zillow.
by FlyAF
Wed Nov 27, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 370
Views: 38110

Re: Follow Up: Husband's Surprise Debts

+1. Take some time to figure out your situation and reduce expenses and debt. But (sooner rather than later) consider selling the house and down-sizing to bring your baseline expenses down. It’s the biggest money drag in your financial picture. I realize the house is a big drain, but we are determi...
by FlyAF
Fri Nov 22, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in farmland
Replies: 14
Views: 2022

Re: Investing in farmland

Hard pass