Search found 221 matches

by jello_nailer
Tue Jul 28, 2020 9:26 pm
Forum: Personal Consumer Issues
Topic: Replacing a single tire on an AWD car
Replies: 40
Views: 29200

Re: Replacing a single tire on an AWD car

Yes, but for a track car.
That's a decent solution unless your tires are more than 4 year old, then it's new shoes for your workhorse.
That's my rule of :thumbsup
by jello_nailer
Tue Jul 28, 2020 9:22 pm
Forum: Personal Consumer Issues
Topic: Talk me out of or into this (purchasing a new vehicle).
Replies: 51
Views: 3451

Re: Talk me out of or into this (purchasing a new vehicle).

Do you have an OBD reader? If you do, there could be stored codes. Read em. The car needs fuel, spark and timing to run. It wasn't getting something. Is there a GOOD mechanic you can use? Not a dealer....a real mechanic who can diagnose things? No, but I can borrow one from the auto part store. The...
by jello_nailer
Sat Jul 25, 2020 9:58 pm
Forum: Personal Consumer Issues
Topic: Talk me out of or into this (purchasing a new vehicle).
Replies: 51
Views: 3451

Re: Talk me out of or into this (purchasing a new vehicle).

Do you have an OBD reader? If you do, there could be stored codes. Read em. The car needs fuel, spark and timing to run. It wasn't getting something. Is there a GOOD mechanic you can use? Not a dealer....a real mechanic who can diagnose things? No, but I can borrow one from the auto part store. The...
by jello_nailer
Tue Jul 21, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: Buying Prescription Eyeglasses Online
Replies: 50
Views: 6425

Re: Buying Prescription Eyeglasses Online

I guessed on my extra close work glasses from Zenni and they work great.
by jello_nailer
Tue Jul 21, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Buying Prescription Eyeglasses Online
Replies: 50
Views: 6425

Re: Buying Prescription Eyeglasses Online

How do you guys get the measurement for the pupil distance that they ask for when ordering online? I had gotten my prescription from the eye exam, but had no way to know my pupil distance. Is that something you need to ask the optometrist? I held a millimetre ruler between my eyes and by looking in...
by jello_nailer
Sat Jul 18, 2020 8:56 am
Forum: Investing - Theory, News & General
Topic: Cash Covered Puts instead of High Yield Savings for Cash
Replies: 51
Views: 2555

Re: Cash Covered Puts instead of High Yield Savings for Cash

EfficientInvestor wrote:
Sat Jul 18, 2020 8:19 am
- Whether you sell cash secured puts or covered calls or iron condors (a call spread and a put spread at the same time), you should consider selling them 1 month out instead of 6 months out. It will be more effort, but you will benefit from more theta (time) decay.
+1 ^
by jello_nailer
Sat Jul 18, 2020 5:55 am
Forum: Investing - Theory, News & General
Topic: Cash Covered Puts instead of High Yield Savings for Cash
Replies: 51
Views: 2555

Re: Cash Covered Puts instead of High Yield Savings for Cash

[/quote] I'm talking about putting these orders on things that I'm buying every month anyway. So, I wouldn't be selling my put. If my put goes through, then I'm the proud owner of VTI/SPY or something that I otherwise would have been putting money in anyway. [/quote] If you are buying anyway then se...
by jello_nailer
Sun Jun 28, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 248
Views: 16274

Re: Which College degrees are worthwhile?

I have been advising my young'uns to look at Supply Chain/Logistics. Daughter is in a program and should graduate soon while working in, Supply Chain.I'm not sure if it's part of Industrial Distribution or Business Admin. Have another one that went the Finance/Economics route and is a Financial Anal...
by jello_nailer
Thu Jun 18, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Signature strip on credit card
Replies: 73
Views: 5593

Re: Signature strip on credit card

Unless you are overseas. I have had to show my passport many times. Even had to sign my card once. Now that is stupid.
by jello_nailer
Tue Jun 16, 2020 5:40 pm
Forum: Investing - Theory, News & General
Topic: Is Stock Market becoming Casino ?
Replies: 42
Views: 3800

Re: Is Stock Market becoming Casino ?

On Roy Horn being mauled: "That tiger didn't go crazy. That tiger went tiger."
by jello_nailer
Tue Jun 16, 2020 5:35 pm
Forum: Personal Investments
Topic: Using credit cards for leverage (no, seriously)
Replies: 53
Views: 3974

Re: Using credit cards for leverage (no, seriously)

TimeShare:
Your strategy is a whole lot different than playing the first month CC float with a bet on... I don't know, Luck In Coffee as an example. Heck, we just had an 1800 point face ripping plunge the other day. Someday it just might not bounce back in 3 days. Rinse, wash, and repeat.
by jello_nailer
Tue Jun 16, 2020 5:25 pm
Forum: Investing - Theory, News & General
Topic: Is Stock Market becoming Casino ?
Replies: 42
Views: 3800

Re: Is Stock Market becoming Casino ?

3funder wrote:
Tue Jun 16, 2020 11:39 am
sd323232 wrote:
Tue Jun 16, 2020 10:59 am
i think stock market is being stock market.
+1
Said Chris Rock...
Some of you will know what that means, and what it is in reference too.
by jello_nailer
Tue Jun 16, 2020 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan finance recommendations
Replies: 19
Views: 1267

Re: Auto loan finance recommendations

Correct I forgot about that, no liens. It's basically a signature loan. I can't imagine how the "honor system" works when you simply tell them what the loan is for and there are different rates for different uses. Seems like you could simply lie to get the lowest rate and use the "car loan" for that...
by jello_nailer
Tue Jun 16, 2020 5:16 pm
Forum: Personal Investments
Topic: Using credit cards for leverage (no, seriously)
Replies: 53
Views: 3974

Re: Using credit cards for leverage (no, seriously)

TomatoTomahto wrote:
Tue Jun 16, 2020 3:24 pm
What could possibly go wrong?
I think my beer came out of my nose, good one.
My sentiment exactly.
by jello_nailer
Mon Jun 15, 2020 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan finance recommendations
Replies: 19
Views: 1267

Re: Auto loan finance recommendations

I'm paying off a Lightstream 0.99% car loan.
It was so cheap I had to grab it. Want to pay it off but it's free money. Try them, not sure what rates are now.
by jello_nailer
Mon Jun 15, 2020 9:49 pm
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 151
Views: 7354

Re: What famous investing quote reminds you of your investing style?

I like:
The market can remain irrational longer than you can remain solvent.
by jello_nailer
Mon Jun 15, 2020 9:44 pm
Forum: Personal Consumer Issues
Topic: Replace my 4 Runner? Update on Repair Post 47
Replies: 65
Views: 4343

Re: I May Need to Replace my 2005 4 Runner :(

sad2 wrote:
Mon Jun 15, 2020 7:20 pm
Go for the Land Cruiser. Last car you will ever buy!
I've heard they are discontinuing sales in the US in 2021 or 2022.

Pricey yes. But solid, reliable, and bullet-proof and will get you to your cabin!
This is my vote ^

I am shopping for a 2013-2015 LC right now to replace my Cayenne TT
by jello_nailer
Mon Jun 15, 2020 9:19 pm
Forum: Personal Consumer Issues
Topic: Do you reward yourself for achieving a financial goal?
Replies: 167
Views: 12171

Re: Do you reward yourself for achieving a financial goal?

I plan on buying a relatively nice bottle of Scotch (like $100) to share with DW when we hit two commas hopefully later this year. Those purchases seem a little extravagant for that level of net worth, as has been said already. But only you can define what you value. I hope you mean the Rolex or th...
by jello_nailer
Mon Jun 08, 2020 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Replace vs Repair. Home AC 15 yrs old is low on refrigerant. Home Insurance Policy Wrinkle
Replies: 19
Views: 1699

Re: Replace vs Repair. Home AC 15 yrs old is low on refrigerant. Home Insurance Policy Wrinkle

So there you have it. Every option suggested!

One of the main reasons I chose do it now is because it's on my terms regarding timing, not Saturday night on a 3 day weekend and then you are in a pickle.
by jello_nailer
Mon Jun 08, 2020 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Replace vs Repair. Home AC 15 yrs old is low on refrigerant. Home Insurance Policy Wrinkle
Replies: 19
Views: 1699

Re: Replace vs Repair. Home AC 15 yrs old is low on refrigerant. Home Insurance Policy Wrinkle

Upgrade.
I did that last week. Now it's over and done. If you don't and simply band aid it you have the same decision in the future.
by jello_nailer
Thu Jun 04, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Having an agreement with your children?
Replies: 28
Views: 1717

Re: Having an agreement with your children?

TomatoTomahto wrote:
Thu Jun 04, 2020 12:48 pm
J295 wrote:
Thu Jun 04, 2020 12:45 pm
Not something that would fit our family. We function in relations not transactions.
Ding ding ding. Winner winner
Agree 100%. ^
But I will say I have seen NUMEROUS families where it was transactional. And it was also weaponized.

That's messed up.
by jello_nailer
Thu Jun 04, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Having an agreement with your children?
Replies: 28
Views: 1717

Re: Having an agreement with your children?

Mine may have the desire, but not the ability. Not a risk I want to take.
by jello_nailer
Wed Jun 03, 2020 7:11 pm
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 68
Views: 4509

Re: Should I purchase my end-of-lease Audi A4?

That's a grill only a mother could love, or the designer and his mother.
:oops:
by jello_nailer
Wed Jun 03, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 68
Views: 4509

Re: Should I purchase my end-of-lease Audi A4?

The dealer must be the well known Dumass Audi?
by jello_nailer
Tue Jun 02, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 68
Views: 4509

Re: Should I purchase my end-of-lease Audi A4?

See if you can keep leasing it another year. Keep the car....same payments....one more year....and then give it back. I've done it before with a Honda. ^ This. I have extended a lease on a number of cars usually at really favorable term. Usually it was for mileage reasons but in today's market I th...
by jello_nailer
Tue Jun 02, 2020 7:23 pm
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 117
Views: 9133

Re: Best watch for $5,000+

I will stick with my PAM 1312 with a Da Luca strap. Love it.
by jello_nailer
Tue Jun 02, 2020 11:51 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 21266

Re: Why the heck is the market up?!?!

Here's my view: There are more buyers than sellers. If you want to buy then you have to hit the ask, and it only takes one Robin hood trade to do that. Who cares if the spread is wide when you are only buying 4 shares. Then add short covering and it's self fulfilling. This is the only scenario that ...
by jello_nailer
Thu May 28, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: [“Can't Hurt Me” book opinion]
Replies: 2
Views: 424

Re: [“Can't Hurt Me” book opinion]

Remarkable book if it's all true. (And I don't have any reason to believe it isn't other than it's so remarkable).

Everyone should read it simply as a lesson in never giving up, or just to make yourself feel better.
by jello_nailer
Thu May 28, 2020 1:50 pm
Forum: Investing - Theory, News & General
Topic: Why math, why? [How do I calculate portfolio gain/loss from asset allocation?]
Replies: 15
Views: 1630

Re: Why math, why?

How about this to make it extra easy?: Run a 50/50 allocation and every month (or whenever) make the balances the same. Subtract one from the other and take 1/2 of that and give it to the smaller allocation. You could do the same for 60/40 but I'm trying to make the maths easier. Not sure re-balanci...
by jello_nailer
Thu May 28, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: How can I use 6 weeks of vacation in the next 6 months in the Covid era?
Replies: 37
Views: 3431

Re: How can I use 6 weeks of vacation in the next 6 months in the Covid era?

Fair question which leads to my interesting situation though I think others are in the same boat. You can only nail so much jello to so many trees... Too much of a good thing... isn't quite optimal. My old life included about 250K air miles a year and when I was in town/home my office commute is 90 ...
by jello_nailer
Thu May 28, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 9406

Re: Mesh Wifi

Another vote for ORBI. Pretty darn good system performance.
by jello_nailer
Thu May 28, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: How can I use 6 weeks of vacation in the next 6 months in the Covid era?
Replies: 37
Views: 3431

Re: How can I use 6 weeks of vacation in the next 6 months in the Covid era?

I have the same problem but my deadline is September 30th. I suppose I could scrub the mortar between my bricks with a toothbrush, or make little rocks out of big rocks. To make things worse - our currently policy is if you have flown on commercial airplane you have to self quarantine for 14 days up...
by jello_nailer
Thu May 28, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 324606

Re: Best watch for around $5,000?

We have some nice art at home...They give us pleasure with the detailing, and also, often, the memories of when/where we got them. Interesting you say that... I bought a painting on a cruise some years back. No idea when the next cruise will be, but the painting hangs in my living room. I quite lik...
by jello_nailer
Sun May 24, 2020 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 441
Views: 35202

Re: Retirement Friendly States

[/quote]

The problem with Texas is the high property taxes.
[/quote]

Amen.
Pay cash for your house, and you still have a mortgage payment. Good place to live when you are working, retire here? Not so much.
Your mileage may very.
by jello_nailer
Sun May 24, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 441
Views: 35202

Re: Retirement Friendly States

[/quote]

Bless your heart for staying in MN. :beer
[/quote]

I think my wine may have come out my nose on that one! Well played, well played...

Hotty Toddy!
by jello_nailer
Sat May 23, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10883

Re: Personal spending out of control after Covid-19

I spent tons less. Like someone else mentioned CC bills, my CC bill has been minuscule lately. I don't know where I saw this, maybe on Bogleheads, but this sums it up for me: "My biggest problem is trying to figure out whether I contact the producers of My 600 LB Life, or do I wait for them to find ...
by jello_nailer
Wed May 20, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20380

Re: What is your most luxury/expensive hobby.

Well, I'm contemplating re-entering a former hobby that I've been out of for a decade. Track days with the car. I'd like to get back on the track in a non-serious way. Have some fun. Not instruct, which saved me money but burned me out. I started in low power, good handling cars, but tend to want t...
by jello_nailer
Sat May 16, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6556

Re: Alternatives to Craftsman Tools

^+1 above. I have a mix of Snap-On and older craftsman, mostly S-O. They just perform better, but I can't put my finger on why? It's probably a combination of everything mentioned above. I was just on the Snap-On website 5 minutes ago picking out a Series 80 3/8" Ratchet. It's about $155, it's worth...
by jello_nailer
Wed May 06, 2020 8:41 am
Forum: Personal Consumer Issues
Topic: Lease Buyback or Buy new vechile
Replies: 1
Views: 231

Re: Lease Buyback or Buy new vechile

Many times the leasing company will extend the lease at favorable rates as they don't particularly want it back, especially now. Give it a try and ask. It cost zero. I've done this multiple times. (A few times when I was over the mileage allocation. No, they don't send someone to check your mileage ...
by jello_nailer
Fri May 01, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5519

Re: Why doesn't Porsche have better resale value?

The SC ended in 1983 https://www.pca.org/news/2017-07-22/model-guide-911-sc-beginning-another-air-cooled-golden-era I think you mean 964, which includes the iconic second generation turbo with the whale tail that hangs on so many kids' walls. (I'm a closet Porsche geek. I have production numbers of...
by jello_nailer
Thu Apr 30, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5519

Re: Why doesn't Porsche have better resale value?

[/quote]

DPK??? That’s obviously a typo.
[/quote]

:oops:
Good catch. Yes the Porsche Doppelkupplung, 7 speed PDK.
Thats funny - I think I'm probably reading too many articles about DPRK and rocket man. It's beer'30...
by jello_nailer
Thu Apr 30, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5519

Re: Why doesn't Porsche have better resale value?

200, something like 2014'ish, I could be talked into a 100 but I don't think it has the towing capacity.
Sold my 1980 FJ40 and I am still kicking myself. I WILL have another one of those.
by jello_nailer
Thu Apr 30, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5519

Re: Why doesn't Porsche have better resale value?

My Cayenne is exactly that - my tow vehicle to tow my 911 to the track. I will eventually be towing with a Land Cruiser or a Tundra.
by jello_nailer
Thu Apr 30, 2020 5:01 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5519

Re: Why doesn't Porsche have better resale value?

Because most people who can afford a Porsche want and can afford to pay for new , used is just not appealing to them and the market reacts accordingly . That’s only partly true. It’s probably accurate for their SUVs, but enthusiasts who buy cayman and 911 will buy different generations that appeal ...
by jello_nailer
Thu Apr 30, 2020 4:57 pm
Forum: Investing - Theory, News & General
Topic: Are gamblers using the market now that casinos are closed?
Replies: 46
Views: 3096

Re: Are gamblers using the market now that casinos are closed?

Yes, Casino is open every Friday - a SPY OTM put or call for $0.25 every Thursday for Fridays close. Like quarter slots in Vegas but in the comfort of my home.
by jello_nailer
Thu Apr 30, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5519

Re: Why doesn't Porsche have better resale value?

Some 911's hold their value.
My 1991 964 is worth more than my 2007 997S, and my 1995 993 is worth more than both of them. I think the 997S value what I paid for it in 2012.

Sold all 3 GT3's for more than I paid for them.
by jello_nailer
Thu Apr 30, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5519

Re: Why doesn't Porsche have better resale value?

I can give you an idea - I bought my $115K sticker price Cayenne Turbo for a little over 10% of new price, 90% depreciation. Why? because normal people can't afford to keep them running. Let's say you need front pads and rotors which wear quickly with a 6000# high horsepower pig. (not derogatory, th...
by jello_nailer
Wed Apr 22, 2020 9:17 pm
Forum: Personal Consumer Issues
Topic: BMW X5 - advice on purchase
Replies: 49
Views: 3112

Re: BMW X5 - advice on purchase

I went from an X3 to a Porsche Macan for reasons above. And you expect maintenance to be cheaper with a Porsche? No, I experienced it. Maintenance to me is 2 parts, cost and time. The Macan has cost me less in $'s, zero, and there have been less no $ trips to the stealership for little goofy things...
by jello_nailer
Mon Apr 20, 2020 5:49 pm
Forum: Personal Consumer Issues
Topic: BMW X5 - advice on purchase
Replies: 49
Views: 3112

Re: BMW X5 - advice on purchase

I went from an X3 to a Porsche Macan for reasons above.
by jello_nailer
Wed Apr 08, 2020 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: FT Lauderdale vs San Antonio - For Retirement
Replies: 14
Views: 1514

Re: FT Lauderdale vs San Antonio - For Retirement

Lived in Lauderdale and Pompano for 2 years. Live in NW Houston and spent a ton of time in SA over the last 20 years.

Wouldn't even be close, anywhere between Lauderdale and Boca. Heck even up to WPB.