Search found 166 matches

by SmallCityDave
Wed Nov 20, 2019 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Payment question
Replies: 11
Views: 656

Re: Payment question

Whats the fair market "all in" price for the procedure (including lab fees)?
by SmallCityDave
Wed Nov 20, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much Mortgage can I afford?
Replies: 8
Views: 744

Re: How much Mortgage can I afford?

I think the formula is 41% of your take home after all your bills. :moneybag
by SmallCityDave
Tue Nov 19, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Car negotiation question
Replies: 47
Views: 3225

Re: Car negotiation question

I would never step foot in a dealership without having an OTD price in writing (email). We are all amateurs doing this a few times in our lives compared to these professionals who live this everyday and know exactly how to handle you to get the most money for their vehicle. We are all clueless on h...
by SmallCityDave
Tue Nov 19, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Car negotiation question
Replies: 47
Views: 3225

Re: Car negotiation question

Hello, Having never bought a new car before I wanted to ask a question. Having emailed several dealerships a high volume dealership offered the lowest price OTD for the vehicle we are interested in. I tried shopping that price to several other dealerships and no one can beat the price. Should I sti...
by SmallCityDave
Mon Nov 18, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 40
Views: 1787

Re: Alternatives to VOIPo?

MagicJack under $2 per month with 911 service, we've had them over 5 years and couldn't be happier.
by SmallCityDave
Fri Nov 15, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Cheapest long term car rental or other solution?
Replies: 11
Views: 1099

Re: Cheapest long term car rental or other solution?

Why not buy a cheap car? If you take it out for a 20 minute test ride and know what to look for I would think you'd have a good chance of driving it for 4 months without any issues, then you sell it. Looking on CL and see a decent Civic, PT Cruiser or Oldsmobile Intrigue for $2400 or less I bet 1 or...
by SmallCityDave
Tue Nov 12, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Roku - is the Express sufficient?
Replies: 31
Views: 1506

Re: Roku - is the Express sufficient?

I have the Express and Premium +. The Express will be fine but if you spend an extra $15 you can get the premium + or Streaming Stick + they have 4k and a separate power & volume buttons for the TV. The power button doesn't really matter because my express turns the tv on but it's nice not to have t...
by SmallCityDave
Fri Nov 08, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 780

Re: Car accident, insurance questions

Was there a child in the car seat at the time of impact? If not, I can’t imagine why you would want to replace it for what sounds like a parking lot fender bender. The car seat probably absorbed more impact force when they shipped it new from China or wherever it was made. I agree about the car sea...
by SmallCityDave
Sat Oct 19, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: 2019 year end car buying experience
Replies: 46
Views: 5114

Re: 2019 year end car buying experience

CurlyDave wrote:
Fri Oct 18, 2019 8:21 pm


We negotiated and then asked to get about $1500 off their price.

What does that mean, you negotiated and agreed on a price then you asked for another $1500 off?
by SmallCityDave
Fri Oct 18, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 3913

Re: Moving my home landline phone number to MagicJack - good idea?

We've had MJ for the last 10 years (?) and we couldn't be happier.
by SmallCityDave
Mon Oct 07, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3735

Re: 2010 Prius totaled.... Now what?

We were recently in an accident and had to replace a bumper, they paid us nearly $1900 plus offered a rental car. The bumper was around $250 but I didn't want to mess with it so we took it to a local shop and $600 later we were done.
by SmallCityDave
Mon Oct 07, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Economics of upgrading to latest iPhone vs one generation behind
Replies: 36
Views: 3015

Re: Economics of upgrading to latest iPhone vs one generation behind

This thread is very much a sign of the times and what we value. I consider myself fairly tech savvy and I like new shiny things as long as they have some redeeming value but I was really stumped when my 15 year old son asked what the difference was between his iphone se and the newest iphone 11 pro,...
by SmallCityDave
Fri Sep 27, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Where do you buy parts for DIY Auto repairs
Replies: 46
Views: 3451

Re: Where do you buy parts for DIY Auto repairs

Rock Auto is my first stop.
by SmallCityDave
Tue Sep 10, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Another solar post - Large vs Small installers
Replies: 16
Views: 960

Re: Another solar post - Large vs Small installers

They both seem a bit on the high side, I would think as long as the system works well the first few years you should be set so I don't put much value on the warranty. If the small guy goes out of business you have the manufacturers warranty and you can hire out swapping out the equipment. Just to p...
by SmallCityDave
Tue Sep 10, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Another solar post - Large vs Small installers
Replies: 16
Views: 960

Re: Another solar post - Large vs Small installers

Just to put it in perspective my 7.2kw that I had installed 2 weeks ago will cost $10k after tax credits. That seems pretty good. What state? Pricing in my area seems to be about $3.40/watt before the Federal tax credit (that starts getting phased out next year btw). The local utility also had a cr...
by SmallCityDave
Mon Sep 09, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Another solar post - Large vs Small installers
Replies: 16
Views: 960

Re: Another solar post - Large vs Small installers

They both seem a bit on the high side, I would think as long as the system works well the first few years you should be set so I don't put much value on the warranty. If the small guy goes out of business you have the manufacturers warranty and you can hire out swapping out the equipment. Just to pu...
by SmallCityDave
Mon Sep 09, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 65
Views: 5818

Re: Solar Install w/ SolarCity

unclescrooge wrote:
Mon Sep 09, 2019 2:18 pm

$10k/(180*12)=4.76
Unless you're not producing enough electricity to offset your entire bill
No it won't, my intent was to reduce the bill to $100.
by SmallCityDave
Mon Sep 09, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 65
Views: 5818

Re: Solar Install w/ SolarCity

That's a heck of a system. We got solar last week our intent was financial not political nor was it to save the planet. Here is a quick snapshot of our system and the finances behind it, I won't go into too much detail. Our system is rated at 7.2kw plus they added the .8kw system (home built) that ...
by SmallCityDave
Mon Sep 09, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3761

Re: Going desktop-less?

I think it sounds great and wonderful but from what you all are describing not all that practical. A laptop with 2 monitors, external keyboard and mouse, external hdd, cloud storage we can't forget the external speakers (?) and the list goes on and on. I wouldn't mind going to a laptop but they are ...
by SmallCityDave
Sun Sep 08, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 65
Views: 5818

Re: Solar Install w/ SolarCity

That's a heck of a system. We got solar last week our intent was financial not political nor was it to save the planet. Here is a quick snapshot of our system and the finances behind it, I won't go into too much detail. Our system is rated at 7.2kw plus they added the .8kw system (home built) that ...
by SmallCityDave
Sun Sep 08, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 65
Views: 5818

Re: Solar Install w/ SolarCity

That's a heck of a system. We got solar last week our intent was financial not political nor was it to save the planet. Here is a quick snapshot of our system and the finances behind it, I won't go into too much detail. Our system is rated at 7.2kw plus they added the .8kw system (home built) that w...
by SmallCityDave
Fri Aug 30, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 9871

Re: The cost to talk to a doctor

A doctors visit costs me $27 and it's very easy to get in if I called this morning I'd get in this afternoon, I don't have insurance. :shock:
by SmallCityDave
Tue Aug 27, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 690
Views: 70440

Re: Why are you NOT buying rental properties?

Wow what a contentious thread.... We've been doing this for 15+ years and it's all about finding a niche, normally we buy fixxer uppers (with cash) nothing horrible as a general rule the purchase price and repairs are X the value should be 50% higher and I want at least 1% rent of the increased val...
by SmallCityDave
Tue Aug 27, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 690
Views: 70440

Re: Why are you NOT buying rental properties?

Wow what a contentious thread.... We've been doing this for 15+ years and it's all about finding a niche, normally we buy fixxer uppers (with cash) nothing horrible as a general rule the purchase price and repairs are X the value should be 50% higher and I want at least 1% rent of the increased valu...
by SmallCityDave
Fri Aug 23, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1334

Re: Buying used car (another one of those threads!)

It really depends on what you were driving but I'd go with a Nissan Sentra or even a Versa before a Hyundai Elantra you will be much happier with an older low mileage Camry than anything you've mentioned. Have you ever driven an elantra? A versa is (I believe) the cheapest new car for sale in the U...
by SmallCityDave
Thu Aug 22, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1334

Re: Buying used car (another one of those threads!)

It really depends on what you were driving but I'd go with a Nissan Sentra or even a Versa before a Hyundai Elantra you will be much happier with an older low mileage Camry than anything you've mentioned.
by SmallCityDave
Tue Aug 20, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: Replacing brake pads in a Honda CRV 125,000 miles
Replies: 34
Views: 2384

Re: Replacing brake pads in a Honda CRV 125,000 miles

To clarify, manufacturer required milestone replacements/changes have been undertaken. As Grt2bOutdoors stated, my wife is an example of buying into services that we don't need especially from jiffy lube. But major items like spark plugs et al have been replaced as suggested by the manufacturer. I ...
by SmallCityDave
Tue Aug 20, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Replacing brake pads in a Honda CRV 125,000 miles
Replies: 34
Views: 2384

Re: Replacing brake pads in a Honda CRV 125,000 miles

It's sad how little people know about their cars and how some seek to profit off of that ignorance. Go to an auto-parts store or RockAuto online and get some name brad bake pads then build a relationship with a local mechanic. I've used the same mechanic over a decade I pickup the parts and he insta...
by SmallCityDave
Tue Aug 20, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Buying an older used car - any new/different ideas?
Replies: 64
Views: 3596

Re: Buying an older used car - any new/different ideas?

Well, my spouse and I are amongst the “truly uninformed” despite both of us having graduate degrees in business. CarMax is no different than any other dealership — you have to do your research before you walk in the door. Sometimes a vehicle is well-priced, sometimes it isn’t. We also are willing t...
by SmallCityDave
Sun Aug 18, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Buying an older used car - any new/different ideas?
Replies: 64
Views: 3596

Re: Buying an older used car - any new/different ideas?

How about a 2000-2007ish Nissan Sentra, nothing special of a car but cheap and reliable, you should be able to find one with at or just under 100k miles for $3000.

https://tucson.craigslist.org/cto/d/tuc ... 57988.html
by SmallCityDave
Sun Aug 18, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 3814

Re: 10 Year Cost of Owning My CR-V

Off the top of my head from my honda experience over 110k miles 1500 for timing belt and water pump 2-3 sets of tires at 600-800 bucks each = 1200-2400 8 oil changes at 50 bucks each = 400 60k service = ~300 bucks battery = ~150 So we are talking 4150 to 5350 and we haven't done spark plugs (don't ...
by SmallCityDave
Thu Jul 25, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 9123

Re: Do you buy cellphone outright or pay over 2 years?

I just bought a refurbished iPhone 6s for $25 and my/our plan is $25 per month for 25gb on the Verizon network. I find it interesting how so many spend so much on a phone and most will finance it..... I would expect that from 30 y/o on most other forums but not here. That's such a good deal. Where ...
by SmallCityDave
Thu Jul 25, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 9123

Re: Do you buy cellphone outright or pay over 2 years?

I just bought a refurbished iPhone 6s for $25 and my/our plan is $25 per month for 25gb on the Verizon network. I find it interesting how so many spend so much on a phone and most will finance it..... I would expect that from 30 y/o on most other forums but not here. That's such a good deal. Where ...
by SmallCityDave
Wed Jul 24, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 45
Views: 5244

Re: Accord approaching 100k miles, how to push it beyond

I don't know your specific car but I would think it's time for new plugs, tranny and cooling system flush, new serpentine belt. The water pump and belt tensioner should be good till 150k miles.
by SmallCityDave
Wed Jul 24, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 9123

Re: Do you buy cellphone outright or pay over 2 years?

I just bought a refurbished iPhone 6s for $25 and my/our plan is $25 per month for 25gb on the Verizon network.

I find it interesting how so many spend so much on a phone and most will finance it..... I would expect that from 30 y/o on most other forums but not here.
by SmallCityDave
Wed May 29, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Home buying
Replies: 50
Views: 2717

Re: Home buying

People telling you to get 3 estimates haven't bought a house in over 2 decades I'm guessing. Its just not practical to do that when buying a house for these types of relatively minor issues. Getting 3 contractors out in a week when you a house is nearly impossible let alone trying to coordinate tha...
by SmallCityDave
Wed May 29, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Home buying
Replies: 50
Views: 2717

Re: Home buying

Hi all, We put an offer down on our first home and it was negotiated and accepted. Its at the top of our budget. It’s an old home (1969) and we just had an inspection done. Being a first time home buyer, I didn’t know what to expect but the inspection was 6 hours long (I was there for all of it) an...
by SmallCityDave
Wed May 29, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Home buying
Replies: 50
Views: 2717

Re: Home buying

Hi all, We put an offer down on our first home and it was negotiated and accepted. Its at the top of our budget. It’s an old home (1969) and we just had an inspection done. Being a first time home buyer, I didn’t know what to expect but the inspection was 6 hours long (I was there for all of it) an...
by SmallCityDave
Wed May 22, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: What would you do - Large Commission (Bonus)
Replies: 43
Views: 3826

Re: What would you do - Large Commission (Bonus)

Blow $1000 and pay down the home with the rest.
by SmallCityDave
Mon May 20, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2770

Re: When to buy a vacation home

I just can't make a vacation home make financial sense, we have a timeshare that we bought 15+ years ago and it's been the best purchase for us. We bought on our honeymoon, now we have 2 kids so our needs have changed drastically. We vacation 4-6 times a year we've been to over 20 locations but we h...
by SmallCityDave
Fri May 17, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: More car buying advice
Replies: 29
Views: 1898

Re: More car buying advice

Why not hold off another year and buy a used car for cash? Reliability is starting to be an issue... I'm going to have major repairs on my current vehicle soon to keep it on the road and I just don't want to sink the cash into it Fair enough, out of the 2 choices you've mentioned the 2016 Mazda3, y...
by SmallCityDave
Fri May 17, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: More car buying advice
Replies: 29
Views: 1898

Re: More car buying advice

Why not hold off another year and buy a used car for cash?
by SmallCityDave
Fri May 17, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 50327

Re: Selling home- Demanding Buyer (Repairs)

A few years ago I sold a friends home that they bought for $200k, they owned it for right at 2 years and they were selling it for over $400k. They did some repairs and upgrades spending $20-30k they were overjoyed how quickly we went under contract and with the price that was offered (they would hav...
by SmallCityDave
Fri May 17, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 50327

Re: Selling home- Demanding Buyer (Repairs)

Quick background. Home is currently under contract. Due to competing offers, price went above ask price by $25k. Under contract at $475k. Buyer came in with a strong offer- cash, no appraisal. No appraisal was very good for us because I was concerned that appraisal might not hit $475k even though t...
by SmallCityDave
Fri May 17, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 50327

Re: Selling home- Demanding Buyer (Repairs)

Quick background. Home is currently under contract. Due to competing offers, price went above ask price by $25k. Under contract at $475k. Buyer came in with a strong offer- cash, no appraisal. No appraisal was very good for us because I was concerned that appraisal might not hit $475k even though t...
by SmallCityDave
Thu May 09, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Cutting the cord with U-verse....Questions.
Replies: 17
Views: 1423

Re: Cutting the cord with U-verse....Questions.

In the last few months we went from Century link 7mb service (also known as 3mb on a good day but normally around 1.2mb) we switched to cox when we cut the cord so we upgraded to 10mb and it was good for our family of four but cox raised our bill the "best" deal was on the 30mb service it's good but...
by SmallCityDave
Wed May 08, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 8134

Re: How much do you donate?

DonIce wrote:
Mon May 06, 2019 8:21 pm
I consider the ~36% of my gross income that is paid in taxes (federal/fica/property tax/sales tax/local levies/etc) to be more than enough of a donation.
That's called confiscation not donation ;)