Search found 269 matches

by MDfive21
Mon Oct 29, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: What would you call this kind of cord?
Replies: 24
Views: 1546

Re: What would you call this kind of cord?

i bet all of the people who responded to this thread have at least one extra, probably more, of these in a box somewhere in the house.
by MDfive21
Fri Sep 21, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 20
Views: 2243

Re: Home away from home

i find that keeping myself full of healthy food is the biggest challenge on the road. if i don't have the sort of food i'm used to, i just don't feel good. stay in a residence inn or some other property with a full kitchen. full size fridge and an oven. pick a location near a good grocery store, pre...
by MDfive21
Fri Aug 31, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3248

Re: Piano for a child

we are looking for the same thing right now. the models you should be looking for are casio cdp-135, casio px-110, yamaha p105 or their newer model from the same line. they are both entry level, no frills, solid 88 weighted key digital pianos. i've seen a couple of them on CL and FB market for 250-3...
by MDfive21
Mon Aug 27, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5632

Re: Planning for an Indian wedding In NY/ NH area.

if she doesn't understand the finances of a wedding, and will be grumpy if she's not allowed to bankrupt you, why would you tie yourself to her for the next 20 years?
by MDfive21
Wed May 16, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 5417

Re: How to think about schools/homes (Greatschools/Niche)

Regarding Texas: It is absolutely true that the good schools are very very good and the bad schools are horrid. In my city, the difference from being on one side of a street or another can literally be the difference between attending a super-high achieving school that sends kids to Ivies at a rate...
by MDfive21
Thu May 10, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2500

Re: Custom suit needed for a wedding. Help me shop around!!

forget about jos a bank and men's wearhouse. go full custom or a place like suit supply. i would def buy another suit from there.

see this thread.. viewtopic.php?f=11&t=219646&p=3390575&h ... t#p3390575
by MDfive21
Wed Apr 25, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Difference in Difficulty Driving Moving Trucks By Size
Replies: 18
Views: 1932

Re: Difference in Difficulty Driving Moving Trucks By Size

you'll be fine. until you get the hang of backing it up, don't hesitate to get out of the cab, run around the truck and look at how much room you have to maneuver.

the best advice i got about driving one of those trucks is 'park like you're leaving'.
by MDfive21
Thu Mar 29, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Which of our cars should we use more, old or new?
Replies: 32
Views: 2747

Re: Which of our cars should we use more, old or new?

bottlecap wrote:
Tue Mar 27, 2018 6:35 pm
Who cares? Drive whatever car you feel like driving. You didn’t buy them to park them in the driveway.

Good luck,

JT
this. i'd have no problem taking my 97 lexus across town or across the country.
by MDfive21
Thu Mar 15, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Best Bluetooth speaker Phone
Replies: 16
Views: 1790

Re: Best Bluetooth speaker Phone

i have the HK Esquire 2 and it sounds great, no issues.
by MDfive21
Wed Mar 14, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Help with GIANT interest car loan (28%)
Replies: 44
Views: 6050

Re: Help with GIANT interest car loan (28%)

walk to work and save CASH to buy a car. $5k should be sufficient to find an old lexus ES. Can you buy a car that isn't a money pit for $5K? I ask because I'm car shopping and I was thinking I'd have to fork out $10K-$12K. my buying strategy for the car i drive now was this: find a one-owner lexus....
by MDfive21
Tue Mar 13, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 66
Views: 6239

Re: Men's Cologne

Sex Panther, by Odeon

It's illegal in nine countries. It's made with bits of real panther, so you know it's good.
by MDfive21
Tue Feb 27, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???
Replies: 42
Views: 2791

Re: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???

try merrell. they have wide sizes and lots of variety. i aim for the ones with vibram outsoles.
by MDfive21
Mon Feb 26, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 27
Views: 2084

Re: Vacation options for wide age-range of children?

Just thought I'd post a follow-up: As a result of this thread, we started looking into Lake Travis and it was perfect for what we wanted. We reserved a lake house through airbnb last night -- $240/night (including all fees and taxes) for six nights, a few blocks from the lake, restaurants, and a ma...
by MDfive21
Mon Feb 26, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Help with GIANT interest car loan (28%)
Replies: 44
Views: 6050

Re: Help with GIANT interest car loan (28%)

here's the advice i would give your SIL: start listening to dave ramsey every day. move to the place that is walking distance to work asap. ask current landlord for leniency to get out of current lease. stop paying on the car, take it back to the dealer and leave it on their lot with the keys in it....
by MDfive21
Thu Feb 22, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 3396

Re: Is a prenup required to establish a list of separate property before marriage?

I'm well aware of arguments about the enforceability of prenups without advance legal review, but is that really still the case where all we want to do is establish the fact of what we owned, and state law is just fine? i believe the phrase 'don't give the referee the opportunity to make a bad call...
by MDfive21
Tue Feb 13, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 7586

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

find a card (or two) that offers a substantial signup bonus. (https://thepointsguy.com/cards/ is one place to look, see also flyertalk)
use that card to pay for everything on this trip up to the amount required to get the bonus.
for your next vacation, use the bonus points for flights/hotels.
by MDfive21
Wed Feb 07, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 16266

Re: Financial Hole

this is very un-boglehead, BUT in your shoes i would default on everything except housing, power, internet/phone, vehicle and food. i don't see how you can dig out of this one so stop paying on your unsecured debt and chop up the cards, stop racking up more debt. save every penny you can for 6 month...
by MDfive21
Tue Feb 06, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 27
Views: 2084

Re: Vacation options for wide age-range of children?

I might be biased since I live close enough to Galveston to avoid it. For Texas beaches, Mustang Island or South Padre Island would be my choices. For something like this, you have to decide if you are going to cook every evening or go out. Generally, it is not a problem to eat breakfast and lunch ...
by MDfive21
Mon Feb 05, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 57
Views: 8025

Re: Love your family car? Under $16,000 Used? Please share!

find a 10 yr old lexus with around 80K miles on it. look for single owner vehicles. these cars are expensive when new so sales skew toward older, easier on the car owners who buy, hold and take care of their stuff. buy from a dealer like autonation, who offers a free 30 day/3k mile warranty so you c...
by MDfive21
Tue Jan 30, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 10297

Re: How much have kids added to your personal finance/expenses?

Kid 1 (3rd grade) $$/yr Symphony $250 After School $498 Summer Care $2,142 Soccer $1,365 Girl Scouts $150 Kid 1 Bday $500 Bday Gifts for others $400 rodeo $150 museum membership $115 Xmas $400 total current $5,970 before public school we paid $10k/yr for montessori full day 5day care. that's what my...
by MDfive21
Wed Jan 03, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 8758

Re: The Economics of a new Puppy

if the pup is an aggressive chewer/eater of normal toys, buy an elk antler for it to chew on. we fostered a couple of 50lb mutt puppies last year and they could eat a tennis ball in less than an hour. literally eat the whole thing! same with most rubber toys. rawhide was a non-starter just the same....
by MDfive21
Wed Dec 20, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4798

Re: Different ways to order coffee

time since roast and time since grind have way more effect on coffee flavor than anything else. you can buy the best beans in the world, but if they sit in your cabinet for 6 weeks after roasting, a cheaper bean that's been freshly roasted will taste better. same with the time between grind and brew...
by MDfive21
Tue Dec 19, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 9180

Re: New job offer - background check

haven't read all the posts so forgive me if this was covered. i am in a similar position as OP. long ago i did stupid things and learned my lesson. even now, every time i have a background check done, these records are shown in detail. the good news is that all 3rd party background check providers a...
by MDfive21
Wed Dec 13, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2928

Re: Concert Decision and Advice

you must go. if you don't you'll always regret that one time you didn't go when you had a chance to see them in a small venue, or before they broke up, or before they sold out, or that one member quit and they sucked after that.. you get the idea. i've been to a ton of shows and the best ones were b...
by MDfive21
Fri Dec 08, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 111
Views: 10298

Re: Quit jobs to gain lower EFC

the better financial option is for your kids to marry someone before they start college..


marry?
by MDfive21
Fri Dec 08, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 4678

Re: Please suggest a dry hands product

Burt's Bees | Lemon Butter Cuticle Cream
Neutrogena Norwegian Formula Hand Cream
Burt's Bees | Shea Butter Hand Repair Cream

i've used all of these and seen major improvement with each.
by MDfive21
Fri Nov 03, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 4111

Re: Help me understand the Used Car Dealership perspective

this will get their attention.. walk in with a bank issued cashier's check for the amount you're willing to pay all-in. tell your salesperson to take the check to his manager. you say 'this is what i'm willing to pay right now including all fees and taxes. i don't care how your finance guy gets to t...
by MDfive21
Fri Oct 27, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 5334

Re: How to get over the fear of traveling without spouse and children?

take a class in statistics and find out your actual probability of death?
by MDfive21
Tue Oct 17, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 22
Views: 4224

Re: Roofer stopped showing up - what are my options?

in your case, i would immediately hire a licensed bonded insured contractor who specializes in roofing to finish the job. i might go so far as to have the new contractor remove any work previously done because i don't know how the handyman did. if the handyman contacts you, tell him you found someon...
by MDfive21
Thu Oct 12, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 8042

Re: Is there boglehead consensus on buying a car?

10 yr old lexus with less than 80k miles.
by MDfive21
Thu Oct 05, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 49741

Re: MoviePass-Too good to be true, but it's legit.

isn't the end-game for a lot of these services acquisition? get it going then sell themselves to amc, cinemark etc. or they end up running the back end tech for a major brand's all-you-can-watch service. plus maybe they keep the rights to sell user data to keep their own pockets full.
by MDfive21
Thu Sep 21, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 3813

Re: Should I even bother with buying a school picture?

we just buy the cheapest 5x7 package they have and scan/archive it. if this is your first kid and you don't have the kinder pics 10, 20, 30 years from now you will regret it. just get it, knowing that school pics are not olan-mills and have a laugh. one of our favorites is the one where my then pre-...
by MDfive21
Thu Sep 14, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 4184

Re: New Mobile Phone number - Now hounded by Collection Agencies

Isn't there some way to collect money from collection agencies who call you insistently? yes, if you want a hobby that will pay you back, check out debtorboards.com. yes that's a real site (the bogleheads of suing CAs) and they focus on extracting cash from lazy or malignant collectors. you may hav...
by MDfive21
Wed Aug 23, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Help with trust / spendthrift in-law
Replies: 24
Views: 4191

Re: Help with trust / spendthrift in-law

structure it as a one time lump sum (say 15%) that grantor would not mind seeing spent down on 'frivolous' items or vacations, then a restrictive trust (remaining 85%) that allows for disbursement in specific cases for a cooling off period of 5 years or thereabout, then full access after 10 years. t...
by MDfive21
Mon Aug 21, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: "Structured" Flip Flops, Slides
Replies: 30
Views: 4325

Re: "Structured" Flip Flops, Slides

anything by merrell is made to fit your foot shape. i have some with a leather band over the top of the foot. they're $90 but i've been giving them use for 2-3 years now. so long i can't remember what year i bought them. similar to these.. http://m.zappos.com/p/merrell-terrant-slide-brindle/product/...
by MDfive21
Mon Aug 14, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: What percent credit utilization is best?
Replies: 18
Views: 2662

Re: What percent credit utilization is best?

from what i've read at creditboards where some of the members have field tested this, it's to have only one card reporting a small balance of 1% to 8% and all other cards $0.00.
by MDfive21
Mon Aug 07, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 57
Views: 8025

Re: Love your family car? Under $16,000? Please share!

find a 10 year old lexus with less than 80k miles on it and no more than 1 owner. the people who buy and hold lexus vehicles for 10 years are the type of people who can spend a lot of money on a car, and they generally treat their cars with great care. ie older, gentler drivers; wealthier, able to p...
by MDfive21
Mon Jul 31, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Toyota Marketing Fund
Replies: 10
Views: 1415

Re: Toyota Marketing Fund

the way to get around these silly named fees is to give the dealer your final sale price and give them a line like this.. 'i don't care how your finance guy gets to this number, but $xx,xxx.xx is what i will pay for this car, not a penny more. if it's not enough then i'll be on my way.' and let them...
by MDfive21
Tue Jul 25, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: 0 Percent CC - how to take advantage
Replies: 24
Views: 2361

Re: 0 Percent CC - how to take advantage

OP, two terms you should know and google. 1. interest rate arbitrage 2. manufactured spend unfortunately with interest rates as low as they are, the arbitrage is not profitable enough to be worth the risk, time and effort involved in making it work. most current manufactured spend opportunities are ...
by MDfive21
Fri Jun 23, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 6925

Re: What do you say when you cancel an account that you only opened for bonus?

i just tell them 'it turns out i'm not using it as much as i expected to' and that is almost always good enough.

the rep that handles these things just needs a short reason to put in their cancellation form, and to make sure the bank didn't do anything egregious to make you want to leave them.
by MDfive21
Wed Jun 21, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 5513

Re: Liability with dogs, hypothetical

OP if you're wondering what breed mix you have, i recommend the wisdom panel. it put a lot of speculation to rest when we adopted a pair of little mutts. i was certain they were swiss mountain dogs mixed with something smaller, but it turns out they were a chow/husky/lab and shetland sheepdog mix. ...
by MDfive21
Tue Jun 20, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 5513

Re: Liability with dogs, hypothetical

OP if you're wondering what breed mix you have, i recommend the wisdom panel. it put a lot of speculation to rest when we adopted a pair of little mutts. i was certain they were swiss mountain dogs mixed with something smaller, but it turns out they were a chow/husky/lab and shetland sheepdog mix. y...
by MDfive21
Mon Jun 19, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 8630

Re: So sick of it! [Paying off student loans]

pay half of it off and refi the remaining $50k to a $1k/month payment?

this leaves you with $85k liquid, and further option to accelerate payment.
by MDfive21
Thu Jun 15, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 7526

Re: Suit for [medical] residency interviews

i've found this page invaluable in choosing a suit recently.
http://www.businessinsider.com/the-gold ... man-2016-2

also check out the bh thread here on where/how to buy a suit.
viewtopic.php?f=11&t=219646
by MDfive21
Thu Jun 15, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 4385

Re: 2004 LEXUS RX 330

what is the interest rate on the loan? if it's less than ~2% don't pay it off early. that's cheap money.
by MDfive21
Thu Jun 15, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 4385

Re: 2004 LEXUS RX 330

a 2004 lexus is too new ;)

i have a 1997 es300 and love it.
by MDfive21
Mon Jun 12, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to prepay a Navient loan payment?
Replies: 10
Views: 1970

Re: Is it safe to prepay a Navient loan payment?

I have found sallie mae/navient easy to deal with once i found out who to talk to. the first line customer service is pretty bad, but if you find yourself needing advanced service, send a paper letter to the office of the customer advocate. be sure to give them a good, current phone number because a...
by MDfive21
Thu Jun 08, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: HDHP/HSA or HMO/FSA
Replies: 10
Views: 1204

Re: HDHP/HSA or HMO/FSA

be sure to factor in the FSA's pre payroll tax status. HSA only avoids income tax, but FSA gives you the added bonus of not paying payroll taxes.
by MDfive21
Wed Jun 07, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 8607

Re: Housing is too expensive.

regarding the timing of your move: whatever you decide, be sure to find out when your first kid must register and enroll in the good elementary school to be guaranteed a spot. in my area the elementary school fills up with kids zoned to it and it's first come, first enrolled. if they don't get in ea...