Search found 77 matches

by jello_nailer
Tue Sep 17, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: $2k repairs on $12K car
Replies: 68
Views: 3657

Re: $2k repairs on $12K car

I would suggest you find a 3rd shop, preferably a decent independent that someone trusts. Some of these prices are what my Porsche parts costs. And I agree with poster above, power steering fluid change? Phosphated and painted rotor hats I assume? Good rotors can't be 60 bucks, pads probably the sam...
by jello_nailer
Sat Sep 14, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: social security benefit - confused about choosing start date
Replies: 32
Views: 2548

Re: social security benefit - confused about choosing start date

That's what I understand, but I'm wrong regularly.
by jello_nailer
Sun Sep 08, 2019 9:25 pm
Forum: Investing - Theory, News & General
Topic: "The Callan Periodic Table of Investment Returns"
Replies: 33
Views: 3497

Re: "The Callan Periodic Table of Investment Returns"

montanagirl wrote:
Sat Sep 07, 2019 12:16 pm
What I get out of this is, if bonds or cash is on top it's not that it's doing so well but that everything else is doing so bad. :|
Yep, and what I get out of it is that Emerging Markets either suck or kill it. Never seem to be in the middle.

I love this chart. Have shared it with many.
by jello_nailer
Sun Sep 08, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: Help With New Car Purchase - Macan S versus...
Replies: 57
Views: 4770

Re: Help With New Car Purchase - Macan S versus...

My Macan is a 4 banger.
Absolutely effective in city, 32+ on hwy, 625 miles per tank. Unfortunately premium 93 oct. Can't have everything I guess.
by jello_nailer
Sun Sep 08, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: I'm gonna need a bigger TV...
Replies: 36
Views: 4277

Re: I'm gonna need a bigger TV...

Sports is the one reason you might want to get a more expensive tv. The refresh rate is key for catching the action. Not sure if the one you picked is on this list. Check out these models https://www.rtings.com/tv/reviews/best/by-usage/sports High refresh rate and almost more important - Calibrate ...
by jello_nailer
Sun Sep 08, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?
Replies: 24
Views: 2215

Re: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?

My favorite beach is just north of Fort Lauderdale in Lauderdale By the Sea. It's a nice place to walk around and get a bite. They have updated it in recent years. Just north of Commerical Blvd, Lauderdale By the Sea, there is a restaurant called Sea Watch. +1^ I agree. I used to live at Galt Ocean...
by jello_nailer
Sat Sep 07, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Mensa membership
Replies: 90
Views: 6873

Re: Mensa membership

I would never be a member of a club that had standards so low they would let me in as a member...

Or was it - I'd rather have a bottle in front of me than a frontal lobotomy. Can't remember.
by jello_nailer
Tue Sep 03, 2019 8:49 pm
Forum: Investing - Theory, News & General
Topic: this time it's different
Replies: 92
Views: 10176

Re: this time it's different

True there are risks, but there are opportunities that did not exist in past history.
Every time is different, but some things are similar.
I'll stick with Buffett and go with the previous 100 year trend.
by jello_nailer
Fri Aug 30, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a Patagonia jacket. Which are your favorites?
Replies: 27
Views: 2787

Re: Looking to buy a Patagonia jacket. Which are your favorites?

I have that down sweater.
Packs ridiculously small but is ridiculously warm. I can skate by in Sweden in winter if I have a wool v neck underneath. The thing is simply super versatile. I love it. Also have a slightly heavier Marmot, usually use the Pat.
by jello_nailer
Mon Aug 19, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: Evaluation of Brave and Opera Web Browsers
Replies: 2
Views: 308

Re: Evaluation of Brave and Opera Web Browsers

I use Brave and Firefox. I am liking Brave more everyday. No complaints.
by jello_nailer
Mon Aug 19, 2019 9:28 pm
Forum: Personal Consumer Issues
Topic: Hiking in the PNW (Seattle) next weekend. What do I need?
Replies: 29
Views: 1592

Re: Hiking in the PNW (Seattle) next weekend. What do I need?

And don't forget grizzly poop smells like pepper and mosquito spray and has little bells in it...
by jello_nailer
Mon Aug 19, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Discover cash back Credit Card - Interest charges
Replies: 36
Views: 1736

Re: Discover cash back Credit Card - Interest charges

We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-3085. Sorry, this is not true. Discover's own website explains how interest only comes if you don't pay the statement balance by the ...
by jello_nailer
Mon Aug 19, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Discover cash back Credit Card - Interest charges
Replies: 36
Views: 1736

Re: Discover cash back Credit Card - Interest charges

Wow, great engagement and responses. After 3 calls to Discover Card, 3 different answers of basically the same thing but they were happy to refund my $1.59. Just to clarify a few things: - No one at Discover could explain the daily balance math - The Balance Subject To Interest Rate, but somehow the...
by jello_nailer
Mon Aug 19, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Discover cash back Credit Card - Interest charges
Replies: 36
Views: 1736

Re: Discover cash back Credit Card - Interest charges

^ this is how I thought it worked too HouseDoc. I will review my bill, but I think I paid each and every charge of within 2-3 days after posting to my account. Basically treating it similar to a debit card with manual payments to the accounts. When I called and inquired the representative told me in...
by jello_nailer
Mon Aug 19, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Discover cash back Credit Card - Interest charges
Replies: 36
Views: 1736

Discover cash back Credit Card - Interest charges

I just learned a little bit about Discover Card and how they pay you that 2% cash back every month. Thought I was being smart but using it for the bonus but I now see that your billing cycle is irrelevant and they collect interest daily on your daily balance. So, even if you pay the thing off every ...
by jello_nailer
Sun Aug 18, 2019 9:05 am
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 59
Views: 7472

Re: Don’t put new money in market right now??

bradinsky wrote:
Sun Aug 18, 2019 6:12 am
Hey Dobie, check this out.

https://awealthofcommonsense.com/2014/0 ... ket-timer/
That is a powerful link. I've sent that to quite a few people. Good post!
by jello_nailer
Sat Aug 17, 2019 11:38 pm
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 59
Views: 7472

Re: Don’t put new money in market right now??

+1000^
:sharebeer
There you go.
by jello_nailer
Sat Aug 17, 2019 3:48 pm
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 59
Views: 7472

Re: Don’t put new money in market right now??

Is that why he is still an advisor at Fidelity and not retired?

I'll sit back and watch the fireworks.
by jello_nailer
Sat Aug 17, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 10520

Re: Aliens have captured my husband [wants to buy a Porsche]

Good tip. My Macan is the closest thing to a 911 with easy in and out, Bonus: and it gets 31 on the hwy. 600 mile range, though its 91 octane.

Please promise us that if you do buy it - you will pronounce Porsche with 2 syllables.
by jello_nailer
Sat Aug 17, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 10520

Re: Aliens have captured my husband [wants to buy a Porsche]

Rennlist is a good resource. I have 768 posts on there since 2011.

:? Hmm, maybe I am not the guy to take advice from... maybe a bit biased.
by jello_nailer
Sat Aug 17, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 10520

Re: Aliens have captured my husband [wants to buy a Porsche]

The Panamera is a luxury sedan like the big MB and BMW. The engine is are shared with the Cayenne and each series or generation has had its own issue. I believe the Cam bolts for Panamera have been sorted by 2017 and I don't know of other categorical issues yet on these. Shop costs are $200 per hour...
by jello_nailer
Sat Aug 17, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Moving to Houston
Replies: 39
Views: 3669

Re: Moving to Houston

I apologize, I misread your original post. I thought you were commuting to Pearland. Ignore most of my comment.
by jello_nailer
Sat Aug 17, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Moving to Houston
Replies: 39
Views: 3669

Re: Moving to Houston

Depends what part of Pearland, east or west. It shouldn't be much longer than that for either. You would be going against traffic. My factory is east Pearland near 35/Telephone. Because of stop lights and school zones its over 20 mins just from 288 to anywhere on east 518 in Pearland. Taking the bel...
by jello_nailer
Sat Aug 17, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8371

Re: Taking a break in your 50s: Is it the kiss of death?

Could be the "kiss of life". After selling a business and completing the integration at 48 I was faced with a 2 year non-compete. Spent 30 years with the pedal to the metal and felt done, like a hamster on a wheel. So I took 2 years off, moved to Sun Valley, Idaho and did a smidgeon of consulting to...
by jello_nailer
Thu Aug 15, 2019 9:44 pm
Forum: Investing - Theory, News & General
Topic: Switch AA 10-year to 2-year Treasuries?
Replies: 61
Views: 3956

Re: Switch AA 10-year to 2-year Treasuries?

You could certainly invoke Pascal's Wager to justify 2 year notes instead of the 10 year bonds. In other words the risk going with 2 year is re-investment risk if rates fall further - while the risk with the 10 year is inflation risk if there is a sharp rise in inflation - arguably more threatening...
by jello_nailer
Thu Aug 15, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1126
Views: 283384

Re: Best watch for around $5,000?

Got it. The Freddy Krueger thread...
by jello_nailer
Thu Aug 15, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1126
Views: 283384

Re: Best watch for around $5,000?

Ok, I'll bite. Who is petrocelli and what was his watch?
by jello_nailer
Thu Aug 15, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1126
Views: 283384

Re: Best watch for around $5,000?

Since you asked for opinions:
Panerai Luminor.
Look how easy that was.
by jello_nailer
Wed Aug 14, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: Confused, bummed, and concerned
Replies: 74
Views: 10527

Re: Confused, bummed, and concerned

Hi OP. This is a lively post tonight so I will throw out a comment. The comments posted are just terrific, really good. It's great you're thinking about this and proactively taking your future into your very own hands. But maybe you are over thinking it. Especially about the unknowns. - A bunch of p...
by jello_nailer
Sun Aug 11, 2019 12:06 am
Forum: Investing - Theory, News & General
Topic: The fallacy of Dollar Cost Averaging
Replies: 101
Views: 8511

Re: The fallacy of Dollar Cost Averaging

Here's how I look at this decision. Sometimes lump sum is better than DCA and sometimes DCA is better than lump sum. One is 66%, the other is 34%. (or whatever, close enough) This time it will be one of them. (Different risk than if there are ten "this times".) So, in BJ I always take a card when I ...
by jello_nailer
Fri Aug 09, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 8925

Re: Critique my exercise routine because it's not working for me

90% is what you put in your mouth, the other 10% is either - a cubic ton of cardio, a medium amount of HIT/cardio, or a small amount of heavy lifting. Pick one or mix them. My weapon of choice is HIT/Heavy.
Just my experience.
by jello_nailer
Sun Aug 04, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8220

Re: Extreme Anxiety with Time/Money

Wabi-Sabi.
The Magnificence of imperfection.
Look it up. Embrace it.
One of the keys to a happy life.
by jello_nailer
Sun Aug 04, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: HVAC System Replacement
Replies: 28
Views: 2509

Re: HVAC System Replacement

At 12.5 years; run capacitors, fans and even contactors should be considered almost consumable electrical components. None of those repairs should be considered a reason to consider replacing an HVAC system. Now if you are leaking pounds of R-22 a year or need to replace an compressor, then you shou...
by jello_nailer
Sun Aug 04, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Australia Trip - 2021
Replies: 25
Views: 1641

Re: Australia Trip - 2021

One more thought. Be sure to check when their school holidays are which are several times a year. Just like our spring break a lot of places may be much busier and expensive during their school breaks. This ^. I was just stung by this. Totally caught off guard. I was in Aus for 3 weeks for business...
by jello_nailer
Sun Aug 04, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: HVAC System Replacement
Replies: 28
Views: 2509

Re: HVAC System Replacement

You may not have a choice. From what I understand R410A is the law now and incompatible with R22. I just replaced my 3 ton system which was R22 because the compressor went out. Can't change it out and fill with R22 or use R410 with a R22 system - so I put a whole new 3 ton 14 SEER in for $6500. Mine...
by jello_nailer
Wed Jul 31, 2019 9:36 pm
Forum: Personal Investments
Topic: Pay off $17k student loan or max out 401k this year?
Replies: 48
Views: 3245

Re: Pay off $17k student loan or max out 401k this year?

I would NEVER forego maxing out the 401k in favor of paying off a low interest student loan debt. So it takes a bit more time to pay off, so be it. 401k space once lost can never be claimed back. This ^, plus the liquidity comment above^^, gets my vote for carrying the low cost student loan debt.
by jello_nailer
Wed Jul 31, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial Real Estate Brokers
Replies: 7
Views: 550

Re: Commercial Real Estate Brokers

TLL: Not quite sure of your question but I was a commercial broker for a few years but specialized in Industrial Space, both sides but tenant rep mostly. Also dabbled in car washes, that's interesting. Anyway, commercial brokers generally are pretty specialized in big markets - office people do offi...
by jello_nailer
Mon Jul 29, 2019 10:55 am
Forum: Personal Investments
Topic: 401k, IRA and Roth IRA contribution limits
Replies: 10
Views: 472

Re: 401k, IRA and Roth IRA contribution limits

There is also a total combined contribution limit for 401K, you and your employer. I think it's $55k this year. So if you contribute $25k with catch-up and they contribute $33k, you would get $3k back.
by jello_nailer
Sat Jul 27, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 6523

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

Those all could work, except against a gun. Not sure there is anything better. That said if you don't know what you're doing, afraid of it, not trained, a gun won't get you there anyway.

Maybe go the security route, high end tight security system.
by jello_nailer
Sat Jul 27, 2019 7:23 am
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4159

Re: Bootstrapping a company with retirement money

Why would I take a loan (and pay interest) in the amount that I have available (with no interest to pay)? You have the potential to make millions. (a) You make the millions, the interest doesn't matter, and you should borrow to the hilt, far more than you have in retirement money. (b) Your venture ...
by jello_nailer
Fri Jul 26, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Help me convince the board that our company needs a budget!
Replies: 13
Views: 792

Re: Help me convince the board that our company needs a budget!

I was in a 2 hour FY20 budget and planning meeting this morning. S&OP. Just this morning I said this: "I do understand that budgets are notoriously wrong, inaccurate, and probably useless, but we still need them for planning purposes". A redraft of an old quip. And that's all I have to say about that.
by jello_nailer
Tue Jul 23, 2019 5:05 pm
Forum: Personal Investments
Topic: moved my wifes 401K account from big brokerage handled by money mgr
Replies: 21
Views: 1144

Re: moved my wifes 401K account from big brokerage handled by money mgr

jello_nailer wrote:
Tue Jul 23, 2019 4:15 pm
Wow.

By 8 p.m. tonight you will have a pile of really sound advice. Hang in there, you are on the right track.

Does the brokerage firm rhyme with feral or moans?
It's not even close to 8 p.m.!
by jello_nailer
Tue Jul 23, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Cruise advice?
Replies: 45
Views: 3046

Re: Cruise advice?

-I have never drank for free in the casino on RCCL or Celebrity and I've been at least 10 cruises with them. Celebrity - Vancouver to Vancouver Alaska cruise, last month - 2nd week of June. Drinks in Casino were free. Were you gambling a lot? I believe you have to gamble enough and earn status to g...
by jello_nailer
Tue Jul 23, 2019 4:15 pm
Forum: Personal Investments
Topic: moved my wifes 401K account from big brokerage handled by money mgr
Replies: 21
Views: 1144

Re: moved my wifes 401K account from big brokerage handled by money mgr

Wow. It's either the the 40 bucket strategy or the DIY Buy the Whole Market. Count yourself lucky - at least you don't have 20 or so $1000 tax exempts paying 1 percent from the likes of P.R. blended in, like my MIL did. By 8 p.m. tonight you will have a pile of really sound advice. Hang in there, yo...
by jello_nailer
Tue Jul 23, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Cruise advice?
Replies: 45
Views: 3046

Re: Cruise advice?

-I have never drank for free in the casino on RCCL or Celebrity and I've been at least 10 cruises with them.

Celebrity - Vancouver to Vancouver Alaska cruise, last month - 2nd week of June. Drinks in Casino were free.
by jello_nailer
Sun Jul 21, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: Cruise advice?
Replies: 45
Views: 3046

Re: Cruise advice?

Good move on not getting the drink package. Wife and I have done the math on this on many cruises and to be honest you have to really try hard the whole trip to break even at the prices they charge these days. 5 years ago the package was a better value. Here's what we found: 1) If you buy the drink ...
by jello_nailer
Sun Jul 21, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8237

Re: When family members fight over the check when out to eat

Wow. Amazing. Wish I had that problem. (OP's)
by jello_nailer
Sun Jul 21, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 93
Views: 7152

Re: MBA worth it?

Or... take the tuition money and start your own business. You will get a school of life MBA faster than you imagine and earn you major street cred. It ain't bgagging if you can do it. The hire your own MBA's. Me thinks there are more wealthy business owners than wealthy "MBA's for the heck of it may...
by jello_nailer
Sat Jul 20, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Corporate Acquisition - Key Person
Replies: 16
Views: 1317

Re: Corporate Acquisition - Key Person

Not sure we can comment on that. Standard Package for them is standard for them. Widely variable - some company's are stingy on ISO's others give freely. It is what it is...
by jello_nailer
Sat Jul 20, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Corporate Acquisition - Key Person
Replies: 16
Views: 1317

Re: Corporate Acquisition - Key Person

^ agree with both. I've been acquired 3 times and on the buy side twice. I found the salary negotiation is a bit tougher because the "compensation committee" is involved and they have to live with outliers of their comp plan forever. The comp committee is the faceless group at corporate that control...