Search found 249 matches

by SmallCityDave
Sun May 17, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3573

Re: Must carry more than one credit card

Yep, it's called diversification. Always have a backup plan A, B and C. Learned that when I was young. Kids did not believe it until they learned the lesson themselves. Debit card would never be a part of my back up plan, only CC. Visa, MC, Amex, all from different banks. You just never know. That'...
by SmallCityDave
Sun May 17, 2020 10:01 am
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3573

Re: Must carry more than one credit card

JoMoney wrote:
Fri May 15, 2020 2:31 pm
Cash works.
That's the first thing I thought of too.

It's interesting how so often we hear (on this forum) how businesses don't accept cash I don't think I've ever had that happen however on a few occasions I have had issues with a CC or debit card.
by SmallCityDave
Sun May 17, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3573

Re: Must carry more than one credit card

TravelGeek wrote:
Fri May 15, 2020 4:00 pm
JoMoney wrote:
Fri May 15, 2020 2:31 pm
Cash works.
Do you carry $1500+ with you? :moneybag :shock:
anoop wrote:
Fri May 15, 2020 2:11 pm
But when I went in to pick up my car, the charge of ~$1500 was repeatedly denied.
Cash also usually doesn’t give me 2.25%+ cash back.
That's right if you ONLY get 2.25% discount with cash you aren't doing it right. :wink:
by SmallCityDave
Fri Apr 24, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Tire Mileage Warranty - what's it worth?
Replies: 24
Views: 1521

Re: Tire Mileage Warranty - what's it worth?

On Tirerack.com the Kinergy gets a 2.5/10 rating on "Would you recommend" and 5.2 on Tire Wear. It's at the bottom of the heap in that tire size. The Michelin Defender is at the top of the heap in ratings, so I'm surprised to hear only got 40K miles on them. The top rated tire is the Conti True Con...
by SmallCityDave
Wed Apr 15, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: Diminished Value
Replies: 7
Views: 620

Re: Diminished Value

I'd say you get diminished value by trading the car in.
by SmallCityDave
Thu Apr 09, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56705

Re: How to get Toilet Paper ? seriously.

I saw Kroger brand toilet paper at a QFC; but it was priced DOUBLE!!! My thoughts of buying dissipated instantly. Where do you draw the line between overpriced and price gouging? No problem, only just starting on the last role—wipe fold wipe fold wipe drop. If I were on my last roll, I would pay mo...
by SmallCityDave
Wed Apr 08, 2020 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a credit card? Which?
Replies: 21
Views: 1237

Re: Should I get a credit card? Which?

No, you don't need one.
by SmallCityDave
Wed Apr 08, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 116647

Re: Why are you NOT buying rental properties?

https://www.wsj.com/articles/nearly-a-t ... 1586340000 "Nearly a Third of U.S. Apartment Renters Didn’t Pay April Rent" It is behind a paywall, but the headline says it all. Doesn't seem that bad compared to the stock decline of 30%+ :D I can sit back without cash flow from stocks for years for the...
by SmallCityDave
Wed Apr 08, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: Simplicity
Replies: 85
Views: 13011

Re: Simplicity

Simplicity in investing for me is: - Vanguard Target Retirement Fund instead of rebalancing myself - SEP IRA instead of Self-Employed 401(k) In my business it means: - No employees - Easily scalable products only Personally it means: - Avoid debt at all costs - Less is more with regard to tangibles...
by SmallCityDave
Wed Apr 08, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: Simplicity
Replies: 85
Views: 13011

Re: Simplicity

We are using this time at home to simplify our non-financial lives even more. Cleaning, de clutter, and simplifying. Who else is focused on simplicity? This has been our journey for the last 6 years, we sold our "dream home" bought a modest home we got rid of our mortgage and bought a rental proper...
by SmallCityDave
Tue Apr 07, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11472

Re: How much cash to have during coronavirus panic?

I would think you would want at a minimum $5000 on hand at all times. That's hilarious. I have a hunch there's a good bit of ammunition of various calibers there too :-) I had $16 in my wallet a month ago. I have $16 in my wallet today. Hmm, maybe erring too far on the other side of caution. I may ...
by SmallCityDave
Mon Apr 06, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11472

Re: How much cash to have during coronavirus panic?

Anyone change their mind, I'm thinking $5000 may not be enough. ;)
by SmallCityDave
Sat Mar 28, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: [Are Toyota and Honda Cars Superior?]
Replies: 16
Views: 1141

Re: Toyota cars and trucks are simply the best made vehicles that can easily go 200k miles!

With the exception of my current vehicle, all of my vehicles have been used, and some have been hoopties. Mostly bought from private parties at an attractive price. If I'm buying well-used cars, I don't want something that "holds its value." I want something that some poor sap got taken to the wood...
by SmallCityDave
Sat Mar 28, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: [Are Toyota and Honda Cars Superior?]
Replies: 16
Views: 1141

Re: Toyota cars and trucks are simply the best made vehicles that can easily go 200k miles!

Kia has recently been touted as having higher long term reliability than Toyota and Honda. Honda and Toyota has been outstanding for me over the decades. **But, also there were other cars/trucks that have lasted long if well cared for. Used to have a Dodge Dart with a 318 V8 and a vinyl roof that r...
by SmallCityDave
Sat Mar 28, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: [Are Toyota and Honda Cars Superior?]
Replies: 16
Views: 1141

[Are Toyota and Honda Cars Superior?]

A little provocative right? While I think that Toyota and Honda do make a slightly superior vehicles I'm not sure that they are that much better. Toyota and Honda charge a slight premium for a slightly better engineered vehicle, the resale is better therefore people will maintain them to a much high...
by SmallCityDave
Sun Mar 22, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Large Flashlight?
Replies: 29
Views: 1761

Re: Large Flashlight?

I need to go searching through a dusty attic in an old house for some items my mom wants saved before the house is torn down (the reason is immaterial to my question, but there it is). I have never owned a flashlight, but I think I need a large one that directs light in more than on small area, to ...
by SmallCityDave
Sun Mar 22, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: Need a new car, please help given COVID-19
Replies: 44
Views: 3034

Re: Need a new car, please help given COVID-19

Due to some health concerns and weather concerns a bike is not an option. based on some initial research we are leaning toward a slightly used Honda Civic, Toyota Corolla, Hyundai Elantra, or Hyundai accent. What are your guys thoughts on these models? My wife is not too picky about her car choices...
by SmallCityDave
Fri Mar 20, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11472

Re: How much cash to have during coronavirus panic?

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 being an issue. It was almost imperative to have cash after Hurricane Sandy hit the NE. Really? I lived in NYC during Sandy...
by SmallCityDave
Thu Mar 19, 2020 9:44 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11472

Re: How much cash to have during coronavirus panic?

I would think you would want at a minimum $5000 on hand at all times. That's hilarious. I had $16 in my wallet a month ago. I have $16 in my wallet today. It's not hilarious when you need it and you don't have it, much like the guy above needed cash to get gas in his truck otherwise he would be wal...
by SmallCityDave
Thu Mar 19, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11472

Re: How much cash to have during coronavirus panic?

The nice thing about booze, cash and bullets - they all keep indefinitely if stored properly . And you never worry when things go sideways and you decide too late you'd like to have some. Wait until some chicken state governor decides liquor stores are non essential and orders them closed. Unlikely...
by SmallCityDave
Thu Mar 19, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11472

Re: How much cash to have during coronavirus panic?

In this time when people would prefer not to accept cash as payment, what exactly would $5K possibly be used for? In a somewhat funny anecdotal example in 2013(?) when gas prices spiked people were "panic selling" large vehicles so I bought a Dodge truck for $6500 cash it was a great truck however ...
by SmallCityDave
Thu Mar 19, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11472

Re: How much cash to have during coronavirus panic?

In this time when people would prefer not to accept cash as payment, what exactly would $5K possibly be used for? In a somewhat funny anecdotal example in 2013(?) when gas prices spiked people were "panic selling" large vehicles so I bought a Dodge truck for $6500 cash it was a great truck however ...
by SmallCityDave
Thu Mar 19, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11472

Re: How much cash to have during coronavirus panic?

In this time when people would prefer not to accept cash as payment, what exactly would $5K possibly be used for? In a somewhat funny anecdotal example in 2013(?) when gas prices spiked people were "panic selling" large vehicles so I bought a Dodge truck for $6500 cash it was a great truck however ...
by SmallCityDave
Thu Mar 19, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11472

Re: How much cash to have during coronavirus panic?

I would think you would want at a minimum $5000 on hand at all times. That's hilarious. I had $16 in my wallet a month ago. I have $16 in my wallet today. It's not hilarious when you need it and you don't have it, much like the guy above needed cash to get gas in his truck otherwise he would be wal...
by SmallCityDave
Thu Mar 19, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11472

Re: How much cash to have during coronavirus panic?

I would think you would want at a minimum $5000 on hand at all times. That's hilarious. I had $16 in my wallet a month ago. I have $16 in my wallet today. It's not hilarious when you need it and you don't have it, much like the guy above needed cash to get gas in his truck otherwise he would be wal...
by SmallCityDave
Wed Mar 18, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11472

Re: How much cash to have during coronavirus panic?

I would think you would want at a minimum $5000 on hand at all times.
by SmallCityDave
Wed Mar 18, 2020 5:14 pm
Forum: Personal Consumer Issues
Topic: Retirement in AZ-suggestions please
Replies: 104
Views: 7257

Re: Retirement in AZ-suggestions please

JAZZISCOOL wrote:
Sun Mar 15, 2020 4:01 pm
sil2017 wrote:
Sun Mar 15, 2020 1:54 pm
Canceled trip to Scottsdale next month so no house hunting yet.

Not taking a risk by taking a flight now. In fact, I canceled 2 trips to see my friend and my mom in April
Best to stay safe! :happy
You might be safer in Arizona ;)
by SmallCityDave
Wed Mar 18, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Car mechanical breakdown vs accident
Replies: 27
Views: 2388

Re: Car mechanical breakdown vs accident

Wow they wanted $12k and did it for $4k(?), I would avoid them like the corona virus.
by SmallCityDave
Fri Mar 13, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: Retirement in AZ-suggestions please
Replies: 104
Views: 7257

Re: Retirement in AZ-suggestions please

Thank you all. Will concentrate on Prescott and Sedona. Is there a "bad' part of town in both cities? Zipcodes ? Lots to narrow down from realtor.com Sierra Vista - 85635 Best kept secret in Arizona, 4600 ft above sea level so we don't get above 100 degrees nearly as often as Tucson with a populati...
by SmallCityDave
Sun Feb 23, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8402

Re: Used car purchase - now dreading it

We live in a very frail and litigious world.

Glad that the ozone treatment worked.
by SmallCityDave
Mon Feb 10, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Selling my home, get a septic inspection before listing?
Replies: 30
Views: 1467

Re: Selling my home, get a septic inspection before listing?

I would not recommend that you have it inspected. I don't know your customs or laws but where I live seller normally pays for the inspection (and up to 1% of purchase price if repairs are needed) but the inspections are only good for 6 months. That sounds crazy expensive for a new septic we are $8-1...
by SmallCityDave
Tue Feb 04, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 181
Views: 14483

Re: Family man who misses driving a fun car

What about something fun and practical like a 2010ish GS350/G37 reliable, rwd and a bit over 300hp for around $10k.

GS300/g35 for a little less or go a bit more mainstream with fwd but still fun luxury family sedans like an Avalon or Maxima.
by SmallCityDave
Fri Jan 10, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: How to organize your photos
Replies: 39
Views: 3297

Re: How to organize your photos

This comes at a major cost and I’m not talking about financial. You are google's product. I agree 100%. I'm going to be someone's product, I can't really escape that; Microsoft or Google for me. I'm more familiar with Google, but I do trust Microsoft more. I'm honestly hoping I'm one of billions wh...
by SmallCityDave
Wed Jan 08, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: How to organize your photos
Replies: 39
Views: 3297

Re: How to organize your photos

Do you have a mac? I've found Apple Photos to be good for organizational purposes. It's free and doesn't rely on an internet connection. With Google Photos, what do people do with the original photos after they're uploaded to the cloud? It doesn't seem to solve the organization problem unless you d...
by SmallCityDave
Wed Jan 08, 2020 6:51 pm
Forum: Personal Consumer Issues
Topic: How to organize your photos
Replies: 39
Views: 3297

Re: How to organize your photos

lostinjersey wrote:
Wed Jan 08, 2020 10:53 am
I have moved everything to google photos. It can search by person, location, object, date. No need to ‘organize’.

Life changing.
I'm looking into that now.... it's a bit overwhelming.
by SmallCityDave
Wed Jan 08, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: How to organize your photos
Replies: 39
Views: 3297

How to organize your photos

I have a bunch of pictures (over a 100gb) stored on my computer but it's horribly disorganized, how do you organize your photos?
by SmallCityDave
Thu Jan 02, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Home security monitoring company recommendations.
Replies: 15
Views: 1415

Re: Home security monitoring company recommendations.

Dakotah wrote:
Wed Jan 01, 2020 8:38 pm
I've been very happy with Simplisafe for about 6 years now.
Same here.
by SmallCityDave
Thu Jan 02, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: Thinking to switch to dealership for repairs, make sense?
Replies: 10
Views: 773

Re: Thinking to switch to dealership for repairs, make sense?

By the tone of your post you make it seems that if the dealership works on the car it will be more expensive but it will be fixed right and that's not always true. I have a trusted mechanic and as a general rule he charges half or less and he stands behind his work, he isn't perfect but he is honest...
by SmallCityDave
Tue Dec 31, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Car mechanical breakdown vs accident
Replies: 27
Views: 2388

Re: Car mechanical breakdown vs accident

I do not have breakup estimate from dealership but do have one that adjuster has provided. I asked the same to adjuster - does it mean it will take $1600 to complete repairs? Is dealership on board with this? I am waiting to here back from adjuster. They said if it is only front suspension, could b...
by SmallCityDave
Sat Dec 28, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Your best deal from Craigslist
Replies: 46
Views: 4256

Re: Your best deal from Craigslist

I enjoy buying and selling stuff because it's a game of reading people, I like buying stuff (with engines) when I have no need for it because that's when you can get the best deals. A few years ago a guy was selling a trailer and 3 motorcycles (2007ish XR250 and 2 smaller Honda's) I had no need but ...
by SmallCityDave
Fri Dec 27, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Shopping for used: 2017 Toyota Camry vs 2017 Nissan Altima
Replies: 22
Views: 1618

Re: Shopping for used: 2017 Toyota Camry vs 2017 Nissan Altima

I like both cars and I really like the styling of the Altima but I would be too concerned about the CVT, I wonder what percent of Altima's have an issue with the CVT.

A quick look on CL you can buy a 2019 with 9k miles for $17k, 2017 with 34k miles for $13k or with 90k for $11k.
by SmallCityDave
Thu Dec 26, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Your best deal from Craigslist
Replies: 46
Views: 4256

Re: Your best deal from Craigslist

One of my better finds, I was looking for a Civic but I stumbled upon a Truck that was "too good to pass up" I thought it was a scam so I thought I'd have some fun but when I called the guy he was nice enough I drove 60 miles and bought the truck for $6500 I asked if he was selling anything else he ...
by SmallCityDave
Thu Dec 26, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Toyota Camry transmission problems in 2018-2019
Replies: 21
Views: 2330

Re: Toyota Camry transmission problems in 2018-2019

I've also read about issues with this transmission I was of the understanding that the reflash would remedy this problem, I know that the Altima has had a real hard time with their CVT transmissions.
by SmallCityDave
Wed Dec 25, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Car mechanical breakdown vs accident
Replies: 27
Views: 2388

Re: Car mechanical breakdown vs accident

Yes, I looked at Carfax before I purchased. I do not have any teen at my home. Sorry to hear about your daughter's incident. This is still mystery to me so I asked adjuster if he can explain what type of the collision this could be where there is no damage to any part of the body including bumpers ...
by SmallCityDave
Tue Dec 24, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Car mechanical breakdown vs accident
Replies: 27
Views: 2388

Re: Car mechanical breakdown vs accident

Your insurance may go up by merely asking them to come out and take a look, a couple of years ago I had a water leak at my home I called my insurance company and asked a few questions they never came out, never paid anything and I never made a claim (despite having 20+ homes) my insurance went up an...
by SmallCityDave
Mon Dec 23, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 90234

Re: Flaunt Your High-Mileage Car

WhiteMaxima wrote:
Fri Dec 20, 2019 5:20 pm
SmallCityDave wrote:
Thu Dec 19, 2019 8:51 am
WhiteMaxima wrote:
Wed Dec 18, 2019 6:06 pm
That's a lot CO2 emitted to the air. Money burned and the worst: Pollution.
Do you walk or ride a bicycle everywhere?
I took public transportation whenever possible. I have car at home but would never be fun to accumulate high mileage.
Public transportation is a lot less fun.
by SmallCityDave
Thu Dec 19, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 90234

Re: Flaunt Your High-Mileage Car

WhiteMaxima wrote:
Wed Dec 18, 2019 6:06 pm
That's a lot CO2 emitted to the air. Money burned and the worst: Pollution.
Do you walk or ride a bicycle everywhere?
by SmallCityDave
Mon Dec 16, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Opinions - used 2005 Toyota Corolla with only 87,000 miles?
Replies: 43
Views: 2786

Re: Opinions - used 2005 Toyota Corolla with only 87,000 miles?

My wife, who will be the primary driver, overrode me. Our "compromise" car purchase is a 2007 Toyota Camry LE with about 108,000 miles - purchased for $6,000. It does seem to be a very nice car. We shall see! :sharebeer Good choice it will certainly be a lot more comfortable ride without breaking t...
by SmallCityDave
Sun Dec 15, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Opinions - used 2005 Toyota Corolla with only 87,000 miles?
Replies: 43
Views: 2786

Re: Opinions - used 2005 Toyota Corolla with only 87,000 miles?

I don't know about this old beat up Corolla. You can get a substantially better car by paying $3k to $10k extra. Are you going to miss that money from your net worth? You will notice the difference in the better vehicle though. I agree that most people spend too much on cars. However, money is not ...
by SmallCityDave
Sun Dec 15, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Car financing denied after 2 weeks
Replies: 131
Views: 7436

Re: Car financing denied after 2 weeks

Folks, in today's business environment, if a dealership offers a 0% interest rate to me, I'm walking out of the place. That's a clear indication that some funny business is about to take place. Caveat emptor. Regards, Billionarie 0% financing and CC rewards is how so many on this forum have become ...