Search found 29 matches

by davemanjam
Tue Oct 20, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 375
Views: 22209

Re: Items that are worth the money for the quality

I think people need to get over the PC vs. Mac Debate on this thread.

Also, I see a few people mentioning Michelin tires.
I have to disagree there. Good tires, but overrated, and not without issues.

I would like to hear more about mattress' and pillows.
by davemanjam
Mon Oct 19, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: septic tanks replacement
Replies: 39
Views: 2079

Re: septic tanks replacement

Most septic tanks will have a large manway cover that can be totally open with no covering. Not really recommended, but that's how mine was.
You cant really have the septic tank too close to a tree because the area will be excavated.
by davemanjam
Wed Oct 07, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: negotiate health care after retirement?
Replies: 5
Views: 431

Re: negotiate health care after retirement?

Cobra is available for 18 months. In very limited circumstances longer. But with Cobra you pay the entire premium, of which your employer likely paid a portion. So it will be relatively expensive to what you might be used to paying. I would discuss with the companies HR or whoever manages that. You ...
by davemanjam
Tue Oct 06, 2020 8:42 am
Forum: Personal Investments
Topic: Should We Ever Save for Children's College?
Replies: 464
Views: 28527

Re: Should We Ever Save for Children's College?

What's more important? Helping your children successfully manage college tuition or fully funding retirement such that you are not a burden on children in later years? Its not clear what state exactly the OP is in funding retirement, but I would put that as a priority especially with tax advantaged ...
by davemanjam
Fri Oct 02, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Experience? Buying items such as computers directly from manufacturer (e.g. Dell) instead of Amazon
Replies: 46
Views: 2978

Re: Experience? Buying items such as computers directly from manufacturer (e.g. Dell) instead of Amazon

I always shop around for big ticket items and make sure I get the most highly rated item at the best price.
Many manufacturers sell directly through Amazon, so sometimes it just comes down to convenience.
by davemanjam
Wed Sep 30, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: Car Battery issues - SHORT Drive due to COVID (Work From Home)
Replies: 86
Views: 5304

Re: Car Battery issues - SHORT Drive due to COVID (Work From Home)

For charging the battery during your short commute, put the car in a lower gear. Most automatics have a "L" or 1,2,3. You want the RPMs to be higher than normal for slow driving. This runs the engine as if you were on the highway and will charge the battery. While true that alternator output increa...
by davemanjam
Tue Sep 22, 2020 7:26 am
Forum: Non-US Investing
Topic: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?
Replies: 26
Views: 2661

Re: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?

While I would discourage the idea of crypto in general, my recommendation is coinbase.
As of a few years ago it seemed to be the only/most legitimate option.
I saw where you can link your account through Fidelity as well which further legitimizes it.
by davemanjam
Fri Sep 11, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: Garden Variety Non-stick Frying Pan: Can I use This on an Outdoor Grill?
Replies: 11
Views: 594

Re: Garden Variety Non-stick Frying Pan: Can I use This on an Outdoor Grill?

This is all true, but what matters is the temperature on the inside of the pan where the coating exists. A grill can go to 500F, but it can also be lower, just like a stove top burner can get very hot or not depending on the setting. So if you used the grill on moderate or low heat and kept lid open...
by davemanjam
Fri Sep 11, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bet that 30-year mortgage rates are below 2.00% by July 2021
Replies: 37
Views: 3887

Re: Bet that 30-year mortgage rates are below 2.00% by July 2021

I think you will lose.
I think rates only drop a little lower.

Fun Bet. Pack a potato (in the front not the back).
by davemanjam
Fri Sep 11, 2020 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 167
Views: 14622

Re: Paying off sub 4% mortgage interest rate early

I have a 2.75% 10year. For a while CDs and short term rates approached that (>2%). Right now they won't touch it, but the spread between 2.75% and 0.5% isn't that large. I predict short term rates will improve in 2-3 years. That's my own prediction, apply your own if you don't like it. And this is j...
by davemanjam
Thu Sep 10, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Butcher Box
Replies: 26
Views: 4504

Re: Butcher Box

The price for a Custom Box is $149/month including delivery. They give a range of 9-14 lbs per box; my sample first order plus their promotion of 2 lbs ground beef thrown in per box adds up to 13 lbs. That's $11.46/lb average, which is a screaming bargain compared to prices for grassfed meats in my...
by davemanjam
Thu Sep 10, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to spend on car?
Replies: 122
Views: 8517

Re: What % of income to spend on car?

To some......a car is NOT just an A to B appliance. OP goes camping and skiing. That points to me to ground clearance, 4 wheels driving and interior room for friends and gear. 4 Runner, Forester, Outback....heck, even a Wrangler Unlimited fit that bill....and with the 4Xe plug in electric coming wi...
by davemanjam
Wed Sep 09, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to spend on car?
Replies: 122
Views: 8517

Re: What % of income to spend on car?

From a financial standpoint, I would not advise buying the car. Whether you use the 10% metric or 20-25% it still exceeds all of those. Now if the Accord is really what he wants then sure go for it. But he asked financial advice and is getting it. Can you make a case for buying something more expens...
by davemanjam
Wed Sep 09, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to spend on car?
Replies: 122
Views: 8517

Re: What % of income to spend on car?

Some popular voices say 10% which is obviously a bit extreme, but still sound financial advice. I would say 20-25%max. Vehicles are a really bad investment/tie-up of assets. This point is exhausted obviously. An Accord is a luxury in this case. There are plenty of good cars that are sub $20k. You al...
by davemanjam
Tue Sep 08, 2020 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: House sale quandary - under contract!
Replies: 71
Views: 10105

Re: House sale quandary - got offer from neighbor before agent listed house

I would absolutely avoid showing my house to a bunch of people in normal times. Let alone the current situation. Like others have said the neighbor has to prove themselves to be serious quickly. They may be offering a fair price, but trying to get a small deal, trying to move family closer or have a...
by davemanjam
Thu Sep 03, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: How much to take down this tree?
Replies: 71
Views: 5457

Re: How much to take down this tree?

If its not over the garage $300 would be fair.
If it is and requires more careful maneuvering $500-$1500.
by davemanjam
Wed Sep 02, 2020 10:37 am
Forum: Personal Investments
Topic: The Best High Yield Savings Account
Replies: 67
Views: 9791

Re: The Best High Yield Savings Account

Varo has some negative reviews on other sites, and some red flags to me based on those reviews. https://www.depositaccounts.com/banks/varo.html To me I'd prefer not to be opening and closing accounts at various institutions to achieve the best rate. Though some pursue that strategy, and I respect th...
by davemanjam
Wed Sep 02, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?
Replies: 122
Views: 8488

Re: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?

The one advantage I see with Walmart and the reason I still use Walmart is that their prices are better than other local retailers (duh), but more than that their prices are consistent and available. Amazon is hit or miss on the subscription service with price fluctuations and availability. Having s...
by davemanjam
Tue Sep 01, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: Have any BHs reduced spending to retire sooner?
Replies: 34
Views: 1578

Re: Have any BHs reduced spending to retire sooner?

The way I see it there are those that seek bare bones expenses which is borderline living in poverty. What's the point in that. If you are already money conscience you might be able to cut another 5-10% without feeling it. But 25% is fairly aggressive, and at some point you are going to be giving up...
by davemanjam
Tue Sep 01, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Should I quit high paying job?
Replies: 144
Views: 17211

Re: Should I quit high paying job?

Start documenting every encounter with the boss. As soon as a situation diffuses, get out your notebook and document time/date and write what happened. Focus on any language that would look bad and use quotes when you can. Maintain previous performance records. Start looking for another job. Once yo...
by davemanjam
Fri Aug 28, 2020 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Separating Auto/Homeowners Insurance to Save Cost
Replies: 5
Views: 384

Re: Separating Auto/Homeowners Insurance to Save Cost

Without having any idea of where you live, both seem reasonable.
So, no idea.

I would still shop it around, and after what you find if its close, see what your current company can do for you.
by davemanjam
Thu Aug 27, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Go for the Honda 0.9% APR loan or pay cash? 35k minivan
Replies: 51
Views: 4107

Re: Go for the Honda 0.9% APR loan or pay cash? 35k minivan

You can get close to 0.9% or better in an online savings account for now.
I'd take the financing deal as it usually comes with some money off purchase.
Either way in 3 months you can pay it off.
by davemanjam
Tue Aug 25, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: Any car enthusiasts? (or soon to be)
Replies: 112
Views: 6933

Re: Any car enthusiasts? (or soon to be)

Yeah "car enthusiast" is a bit open to interpretation right? Most people have no ideas what's under the hood, etc. The same can be said of higher end cars. I would consider myself a car enthusiast. Whether or not I ever own a sports car is dependent on my financial goals, but not necessarily tied to...
by davemanjam
Mon Aug 24, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Tires recommendations?
Replies: 61
Views: 3627

Re: Tires recommendations?

I respectfully disagree. This is one case of “you get that you pay for.” I read a lot about automotive topics and Michelin's had dry rot issues some years ago...not to say this is still the case, but point is buyer beware. What you pay for can include lots of marketing and fluff that does not trans...
by davemanjam
Sat Aug 22, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: Tires recommendations?
Replies: 61
Views: 3627

Re: Tires recommendations?

I see a few recommendations for Michelin. These are generally good tires, but overpriced. For similar performance look at the offerings of Yokohama, General, Continental, Hankook. Each brand has some duds of course. The Michelin Pilot Sport especially is a near sports tire that's going to perform po...
by davemanjam
Mon Aug 17, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4896

Re: USPS shipping: Caveat Emptor

I am rural and have had issues with the private and government post services.
Whether it is delivering to the wrong address, or claiming an address flat out didn't exist.
So, it getting any worse is really worrisome.
by davemanjam
Fri Aug 14, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: A few things that points blogs don't tell you about credit card points
Replies: 67
Views: 9231

Re: A few things that points blogs don't tell you about credit card points

Useful link https://www.doctorofcredit.com/deal-calendar-full-list-deals-credit-card-bank-bonuses-expiry-dates/ Last year, we did as a family, 46 individual cards, same with business credit cards, many with offers like spend 500 get 200 or spend 3000 get 300 or get 500 and all these were cash back....
by davemanjam
Thu Aug 13, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: Barbells
Replies: 65
Views: 5692

Re: Barbells

This is an interesting time to buy fitness equipment.
What do you think is a good timeline to wait it out and hit up craigslist/thrift stores for fitness related items?
Next July?
by davemanjam
Thu Aug 13, 2020 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Private University Apartments Leases during Covid
Replies: 64
Views: 3772

Re: Private University Apartments Leases during Covid

Like others have said, what the university does is a moot point. You entered into a contract. I would contact the landlord and ask him what it will take to get out of the lease. If they do offer something get it in writing and have them sign. If they are unreasonable you might imply that you are not...