Search found 522 matches

by saladdin
Wed Jun 21, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage and Low-Income
Replies: 26
Views: 3658

Re: Mortgage and Low-Income

No way I would put more than 20% down and tie up my cash in a vehicle you can't get it out of in case of an emergency. I make 48k and only bought a 68k house. I couldn't sleep with 140k mortgage making what you are. But my location is different and my need to "sleep at night" is important. Rent for ...
by saladdin
Tue Jun 20, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 3642

Re: Widowed mother - siblings try to make a plan

Our brother is married and has a child. There has been a history in their marriage of them both providing a lot of care to our mother and his wife's mother. For my mom, especially since our stepfather passed. I think my mother hates to be left alone, even if she's ok, so she might invent reasons fo...
by saladdin
Tue Jun 20, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 3642

Re: Widowed mother - siblings try to make a plan

I am one of five siblings. Our stepfather passed away several months ago. I cannot understand this, but for some reason, when he retired, they chose the option (I forget the name of it) where his pension payments ceased upon his death. Our mother is now living on Social Security only and withdrawal...
by saladdin
Fri Jun 16, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 10939

Re: AAA Cost

Almost there wrote:Thank you Saladdin for your post. You wrote that your insurance company reimburses you. But then they'll know and I would be afraid that they'll raise your insurance. May I ask the name of your insurance company?
Erie Insurance.
They do not count it as a claim, for me.
by saladdin
Fri Jun 16, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 10939

Re: AAA Cost

I cancelled my AAA when I realized that I could add roadside assistance coverage to my GEICO policy for both my wife and me for less than $10 per year. Before making the switch, I asked GEICO whether utilizing roadside assistance would adversely impact my insurance rates, as an accident would, and ...
by saladdin
Tue Jun 13, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 18294

Re: Who takes financial chances and why is this forum so financially conservative?

"Taking risks" is all fun and games when it's just you. People are reckless when they have nothing to lose. Add a family that depends on your actions and life becomes clearer. The thought of your spouse living in a cardboard box because of your actions causes people to tighten up a tad.
by saladdin
Mon Jun 12, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 6754

Re: Gardening 2017

Zone 7b Already eating cucumbers and picked first squash. Corn has ears forming too. Trying peanuts for the first time, have 20 plants flowering. Probably 40 green tomatoes. Canned first batch july 6th of last year so not far away. Have already cut up 5 bell peppers for the freezer. None of this is ...
by saladdin
Fri Jun 09, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Installing Fencing to keep predators away from chickens?
Replies: 26
Views: 2813

Re: Installing Fencing to keep predators away from chickens?

Add guinea fowl to your flock. Note that I recommend this only because you live in the country. For all you backyard chicken coopers reading this, don't buy guinea fowl unless you want to be murdered by your neighbors. Bingo. Guinea with nearby neighbors is a prescription for hatred. If my neighbor...
by saladdin
Thu Jun 08, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Installing Fencing to keep predators away from chickens?
Replies: 26
Views: 2813

Re: Installing Fencing to keep predators away from chickens?

Rupert wrote:Add guinea fowl to your flock. Note that I recommend this only because you live in the country. For all you backyard chicken coopers reading this, don't buy guinea fowl unless you want to be murdered by your neighbors.
Bingo. Guinea with nearby neighbors is a prescription for hatred.
by saladdin
Thu Jun 08, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 9532

Re: How to deal with a personal finance cynic

He does not earn a very high income( maybe around 80K) and may have made financial mistakes earlier. I still told him having 100 K of savings is more than lots of people and he could have more if he is diligent. I could not say yes though, to his question which was if it were realistic for a family...
by saladdin
Wed Jun 07, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on emergency account amount.
Replies: 22
Views: 3453

Re: Thoughts on emergency account amount.

2 years at current spend but probably 2.5 years since I would cut down on some stuff.

I like to sleep well and not have to worry about taking the first job offered.

People with 6 month funds give ME ulcers. But in my area a job over $10 hour is hard to find. I would be looking for a while.
by saladdin
Wed Jun 07, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 10573

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

objectivefunction wrote:It is a gift given to the woman who bears your child, because you are proud of her and appreciate all she has gone through.
What's the gift called for the other spouse who gets up at 0400 every day for decades to pay for the housing and food?
by saladdin
Sun Jun 04, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 13230

Re: What Do You Pay for an Oil Change?

5-30 dino
$20 local walmart.

Used to do it myself. Not worth it when supplies would cost me 12-15.
by saladdin
Wed May 31, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: How to value restored 1925 Truck for estate purposes?
Replies: 6
Views: 1049

Re: How to value restored 1925 Truck for estate purposes?

You'd probably want an auction estimate, and for that you'd need to pay someone to come look at it and give an estimate. "Restored" can mean a wide range of things, and can result in a wide range of values (maybe even 6 figures if "over-restored"). Search for classic car auctions and/or contact som...
by saladdin
Wed May 31, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Cell Plan based on an atypical use pattern
Replies: 32
Views: 2572

Re: Cell Plan based on an atypical use pattern

DoubleClick wrote:https://ultramobile.com/flex

Unlimited voice and text, 250MB rollover data.
$11.50/month if you prepay for 4 months.
Tmobile. The only one with zero coverage in my area. Nice find though.
by saladdin
Wed May 31, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Cell Plan based on an atypical use pattern
Replies: 32
Views: 2572

Re: Cell Plan based on an atypical use pattern

bloom2708 wrote:
saladdin wrote: Why pay extra for things I don't use?
True, I guess. Why have a phone at all?
In my case, I have a rural commute of 100 miles per day.
by saladdin
Wed May 31, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Cell Plan based on an atypical use pattern
Replies: 32
Views: 2572

Re: Cell Plan based on an atypical use pattern

red pocket $19 Unlimited min Unlimited txts 100 MB Why would someone pay $19/month for 100 mb of data when you can use H2O Wireless for $27/month with 3 GB 4g LTE data? $8 for free use of your phone. No hunting for Wi-Fi at every place you go. I did a month with Wi-Fi off and didn't come close to u...
by saladdin
Wed May 31, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: Cell Plan based on an atypical use pattern
Replies: 32
Views: 2572

Re: Cell Plan based on an atypical use pattern

red pocket

$10
500 min
500 txts
100 MB data
no carryover

$19
Unlimited min
Unlimited txts
100 MB
by saladdin
Fri May 26, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Stockpile Website
Replies: 8
Views: 2172

Re: Stockpile Website

123 wrote:Why not just give them a check/cash and leave all their options open?
My bet is someone wants to get the cc points/miles.
by saladdin
Fri May 26, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: When to start talking to older parents regarding their finances (and how to do it?)
Replies: 37
Views: 5465

Re: When to start talking to older parents regarding their finances (and how to do it?)

When to start talking? When they ask for your help. Unless someone is struggling, it doesn't seem like just being in one's 70's indicates much of anything. There are at least 2 things adult children should know from their parents: - If you live a long life, will you be needing financial support fro...
by saladdin
Fri May 26, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: When to start talking to older parents regarding their finances (and how to do it?)
Replies: 37
Views: 5465

Re: When to start talking to older parents regarding their finances (and how to do it?)

If they are mentally competent you have no standing to butt in. If they ask, help. Otherwise let adults live their own life.
by saladdin
Fri May 19, 2017 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 8694

Re: Convince me to get back into stocks!

What if the market goes up 25% before it experiences a 15% drop? That would be fine. All I want is for it to drop by 15 percent so i cam buy. Do not invest in stocks today. You clearly don't understand how they work. Do some research until you understand, then come back. :beer What specifically sho...
by saladdin
Thu May 18, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 4386

Re: Tire Puncture - plug from outside or patch and plug from inside

Finally, something in my wheel house. I am cursed with flat tires. I have patched dozens...dozens.... in my life. I can plug a tire without removing the tire from the car. I buy patches by the dozen and have kits in every car with a real jack. Do what you want but I plug and go on. I've had multiple...
by saladdin
Mon May 01, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 77
Views: 12884

Re: Senior Lifetime National Parks Pass Fee Going Up

Incendiary wrote:Why get one per spouse if they always go together? Asking for my parents...
People have a tendency to die.
by saladdin
Fri Apr 28, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 38
Views: 5278

Re: Why I'm tempted to fix things myself; it's not about the money

I have struggled with this problem with getting some electrical work done. Lack of communication is crazy. They are so busy that they are booked months out, and apparently don't have any qualms with losing business by not communicating promptly (or at all) Unfortunately, it's not work I can do myse...
by saladdin
Wed Apr 26, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 7284

Re: $300+ to remove a racoon. Really?

They are also a serious risk of being rabid. Let's not get dramatic. From this post you can see many people live in rural areas and come into close proximity all the time. I have seen hundreds of coons in my life. Rabies is not running wild. Yes it happens but so does lyme disease from ticks but mi...
by saladdin
Wed Apr 26, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 7284

Re: $300+ to remove a racoon. Really?

Another bh post that really shows the difference in where people live. I have a couple of the hart traps that I use. In a year I catch dozens of coons, possums and feral cats. Had 3 cats last week and up to probably a dozen this year. I have friends that coon hunt and will come get the trapped coon ...
by saladdin
Tue Apr 25, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 8609

Re: co-worker had a baby chipping in on gift- how much?

As noted, some people really LOVE to chip in and give baby shower gifts. Nothing wrong with that. There is also nothing wrong with not contributing at all if you don't ever give gifts as a rule. However, if you don't like your colleagues enough to give them gifts or take them out to lunch, then con...
by saladdin
Tue Apr 25, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 8609

Re: co-worker had a baby chipping in on gift- how much?

OP, Maybe I live in a different culture, but I don't think it's customary at all to solicit co-workers for gifts. If this co-worker is a good friend of yours I think that's a different situation. A number of co-workers at my workplace have had kids in the last few years and nobody has ever asked me...
by saladdin
Fri Apr 07, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 2709

Re: HDHP's - Does your employer offer them?

I make 47,500 a year. These are my options. 500 deductible/3500 OOP Max/35 copay/ 15/30/50 medicine copays will cost $180 month 6350 deductible/6350 OOP max will cost me $80 a month No employer HSA match. I must see doctor 6 times a year to keep my meds and see him another 4-6 times a year for norma...
by saladdin
Tue Apr 04, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 159
Views: 22439

Re: Social Security for Millennials

Personally, I plan for $0 social security since it is not something I can depend on. It will be icing on my retirement cake. I have also once used social security's site to get a SS estimate, then entered 50% of it into personal capital just for fun. Yet you can "depend" on investment returns to fu...
by saladdin
Mon Apr 03, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 9923

Re: Weird house buying experience

No-one thinks this is an underhand practice? Presenting the price as X, making buyer negotiate of X, then in the final paperwork buyer finds out they should have been negotiating off X-1k? It sounds like you've been dealing with the builder for some time. How have they been in general, from the fir...
by saladdin
Mon Apr 03, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40581

Re: Low-earners- What is your profession?

Last year DH grossed just under $38k, and I was just under $18k, for a total of $56k, our highest ever earnings. If you include the cost of employer provided HI and 401k match for DH, our total compensation is closer to $70k. Yet our AGI is exactly $30k. I work in a library (not technically a libra...
by saladdin
Mon Apr 03, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40581

Re: Low-earners- What is your profession?

ruralavalon wrote:Just for informational purposes, currently the median household income in the U.S. is about $56k.
Exactly, OP is talking like 100k household is "low earner". People have really lost sight on what a low earner really is.

Median household income in my county is low 30k.
by saladdin
Tue Mar 28, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Red light camera Fort Worth
Replies: 50
Views: 5121

Re: Red light camera Fort Worth

Don't pay it They can't do anything to you Sure they can. Among possibilities, depending on any reciprocal agreements TX may have with your state, they may be able to get your driver's license suspended for non-payment of a traffic fine. It's doubtful that they will issue a warrant for you and try ...
by saladdin
Wed Mar 22, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Purchasing a 2017 Hyundai Sonata Sport 2.0T
Replies: 16
Views: 2340

Re: Purchasing a 2017 Hyundai Sonata Sport 2.0T

-> Sonata has a soft suspension, similar to Toyota Camry. Consider the Kia Optima or Honda Accord if you prefer a firmer suspension. Consider the Mazda 6 if you place a premium on responsive driving. -> Sonata sloped back window impacts visibility compared to the Camry and Accord. I prefer the look...
by saladdin
Tue Mar 14, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 113
Views: 11733

Re: Preparing financially for our funerals - prepay or not?

Mariam2: I have made arrangements to donate my remains to the University of Miami for medical research. This should also make it easier and more lucrative my for heirs (no casket, no funeral, no cost). Best wishes. Taylor Know nothing of your specific deal but many of these schools are refusing fut...
by saladdin
Thu Mar 09, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 5435

Re: Dispute with neighborhood association

I plan on trying to email them. I always start with email. There's a real-time record of contact. Ask for forgiveness and state that you didn't receive your usual annual bill. Has the policy changed. Be deferential and ask for a one-time waiver. Hopefully you immediately mailed the amount due (minu...
by saladdin
Fri Mar 03, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 91
Views: 15096

Re: What are the big things to get right?

Do as much good as possible and the least harm necessary.
by saladdin
Fri Mar 03, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance on a diamond engagement ring
Replies: 27
Views: 3153

Re: Insurance on a diamond engagement ring

I had my wife's ring insured for the appraised value of $12,000. Married 18 years. Last year she lost the ring and after days of searching we could not find it. Insurance cut us a check for $12,000. She got a new ring and insured it through the same company. About a month later, she found the old r...
by saladdin
Fri Feb 17, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: New Military Retirement System
Replies: 86
Views: 12641

Re: New Military Retirement System

few questions.... 1- When would I be considered Active Duty the day I ship out for basic? or when I graduate? Cause i definitely want to make a career out of the military so I want to opt for the current program. I just don't know how AD works. I don't want to get on the bus thinking i'm active dut...
by saladdin
Thu Feb 16, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: sole prop. - mileage deductions with no "main job" site
Replies: 21
Views: 1724

Re: sole prop. - mileage deductions with no "main job" site

Honestly, I almost feel like an employee. All of my work is for one company with this job (this job is part-time for me, usually only 1-2 days per week). With that being said, our contract is very clear that I am an independent contractor, and there is no form of employer/employee relationship. I g...
by saladdin
Fri Feb 10, 2017 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio thoughts
Replies: 6
Views: 856

Re: Portfolio thoughts

I do appreciate the input. Going to stop the monthly tIRA money and use that to max out the roth. I live in a low cola. 1400 sq ft brick house on an acre was 68k. Used VA loan so no pmi. I live in a "city" of under 5k. Budget is normal frugal ways. Netflix only, no cable, $0.05 per text/minute, rare...
by saladdin
Thu Feb 09, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio thoughts
Replies: 6
Views: 856

Portfolio thoughts

Normally when I list my salary I get the "need to increase salary". The median household income in my county is 32k. I'm 42 and know that I do not want to "climb the ladder". I'm happy being a cog in a cubicle. I'm home by 3:30 everyday, no weekends, no company phone buzzing and no ot. I know my eme...
by saladdin
Thu Feb 09, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Advice for a soon-to-be MLB draftee
Replies: 68
Views: 11735

Re: Advice for a soon-to-be MLB draftee

Please not the Cubs...
by saladdin
Wed Feb 01, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: How do you save?
Replies: 39
Views: 5775

Re: How do you save?

I have been thinking lately that I may need to relax my savings. With a 90k HH income with kids and a STAH wife, it has been mildly burdensome to max all available tax advantaged accounts. I have only been doing this for 2 years now and it has gotten easier, but I had a new thought today. My idea w...
by saladdin
Tue Jan 31, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Blink Health
Replies: 4
Views: 1301

Re: Experience with Blink Health

riley42 wrote:Thanks so much for both of your answers. We will use it today, as it will save 75% over what we would be paying. Thanks!
Weird. Just got an email from them. $5 off today JAN5.
Guess it was all january but just got it. If you're buying today it will help. Expires tomorrow.
by saladdin
Tue Jan 31, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Blink Health
Replies: 4
Views: 1301

Re: Experience with Blink Health

Have used multiple times. The savings are "normal" vs others like goodrx. The savings are from finding promo codes. There was a 25 off one for a while I used to get my price to 0 out of pocket. There is a referral bonus also that I have seen people use and abuse by creating new email accounts in abl...
by saladdin
Sat Jan 28, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Dental Insurance in Retirement
Replies: 20
Views: 2659

Re: Dental Insurance in Retirement

Mostly retired dentist here. As your dentist is an independent practitioner, I'm sure he is not participating in any of the discount plans. These plans basically charge the subscribers a fee for access to a list of dentists willing to discount their fees in exchange for the possibility of adding pa...
by saladdin
Sat Jan 28, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Any Backyard Chefs out there? Do you have any specialties?
Replies: 54
Views: 4619

Re: Any Backyard Chefs out there? Do you have any specialties?

Smoker: Grill: - ribs (that are oven baked and then finished on the grill) - chicken-under-a-brick - pork tenderloin (follow the 7/6/5 technique) - "plank" salmon - red and yellow peppers - marinated asparagus spears My ribs are pre-oven baked as well: BBQ'd ribs: a key to keeping the ribs "fall of...