Search found 1218 matches

by ClevrChico
Fri Aug 10, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4509

Re: Should I pay 6000.00 to repair wife's car....

You need a referral to a good mom and pop body shop who will do this for a fraction of the price. The dealer is not where you want to be.

Edit: I see this is a VW. Maybe we should merge this with the, "Should I buy an Audit A4" thread. :twisted:
by ClevrChico
Fri Aug 10, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Buying used car - advice requested
Replies: 36
Views: 2309

Re: Buying used car - advice requested

You might consider new. With end of model year rebates, etc., several might be within your price range. Base models of Mazda3 and Subaru Impreza at $17k or less with some dealing. Pricing for Versa S appears to be quite discounted -- would look at new before paying as much for a used one. @sawdust6...
by ClevrChico
Fri Aug 10, 2018 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7348

Re: Rude response from boss re: market adjustment

I was never part of an organization with this type of hierarchy. However, the response seems clear. If this person is the decision-maker and my direct report/boss, I would conclude that I have a clear answer and stand down on further dialogue. Exactly! next step = stay at current pay or leave for b...
by ClevrChico
Wed Aug 08, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Car Donation
Replies: 12
Views: 940

Re: Car Donation

You'd probably be better off selling the car to a salvage yard and then donating cash. Our charity only gets $25/car from one of the donation services.
by ClevrChico
Tue Aug 07, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 3809

Re: radon mitigation exposure concern, are we at risk?

I live in the highest radon area in the US, and this situation is common and I see no danger. The air coming out of the pipe is comprised mostly of indoor air from the neighbor's house with a tiny concentration of radon. It's no different than walking outside in a park. There would only be a problem...
by ClevrChico
Tue Aug 07, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 6752

Re: When is leaving your job that pays well a good idea?

In the tech sector at least, nobody sits at their desks all day crunching out work long term. That's really not sustainable, that's torture. I'd suggest taking a long lunch and doing some kind of physical activity. (I go on a bike ride.) Coffee breaks are common. Run errands. Attend meetings in pers...
by ClevrChico
Sun Aug 05, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14085

Re: Will you pay for your kids' college/graduate education?

As much as possible. I hope to at least cover 50% to 100%, depending on how good we are at hacking costs. I'll definitely encourage living at home and commuting as much as possible. We're in a mid-sized city with several colleges in the metro area, and see no need to multiply costs by moving far awa...
by ClevrChico
Sat Aug 04, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: How to Start CC Churning
Replies: 33
Views: 3736

Re: How to Start CC Churning

I second: https://www.reddit.com/r/churning/ Hitting the spending requirements might be easier than you think. For example, my property tax can be put on a credit card for a nominal fee. If you have kids, it gets really easy, since daycare can be put on a card. I think this may be the easiest money ...
by ClevrChico
Fri Aug 03, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9709

Re: Few weeks into new job recieved significantly better offer elsewhere

The new offer doesn't seem significantly better to me: - New offer is a "temp" contract position the first six months. The contracting company is acting as middle man and likely offering you minimal benefits. Why is the new company afraid of investing in you as an employee from day one? - New offer ...
by ClevrChico
Wed Aug 01, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Time to sell my 2003 Accord?
Replies: 33
Views: 2058

Re: Time to sell my 2003 Accord?

Easy. Repair it. Drive it until something major breaks.
by ClevrChico
Tue Jul 31, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: Are women worse at investment?
Replies: 24
Views: 1404

Re: Are women worse at investment?

Considering what I've seen male colleagues do, there is no worse.
by ClevrChico
Tue Jul 31, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: First Home, quadplex???
Replies: 15
Views: 1428

Re: First Home, quadplex???

Have you ever lived in a quad? I did, and I disliked so many shared walls. Noise was a constant problem. Also, the adjacent neighbor stored their trash cans in their garage, so I got a nice breath of trash smell every morning as I left for work. Yuk. You mileage may vary, and you could always leave ...
by ClevrChico
Mon Jul 30, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Realities of Early Retirement Model (FIRE)?
Replies: 96
Views: 9407

Re: Realities of Early Retirement Model (FIRE)?

I think most of the road-blocks you listed are easily solved. The hardest, health-care, can be obtained by simply going back to work and getting a part-time job if one really needed to. I'd be concerned about becoming lazy and squandering my free time and possibly losing my edge. The other scary par...
by ClevrChico
Sun Jul 29, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Bonus at Job - Weird Situation
Replies: 34
Views: 5964

Re: Bonus at Job - Weird Situation

I think it's pretty solid advice. That may be the single best advice for doing well at a mega-corp. Just be sure to drop that you're doing what's best for the company into meetings here and there so they know you're on-board.
by ClevrChico
Fri Jul 27, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3820

Re: Suggest an electric car: Volt? Alternative?

I'm guessing the $1500 includes a timing belt service since things are being opened up anyway for a gasket. If that's true, you should be able to get this done for under $1k easily at any non-dealer. A major service is not a good reason to get rid of a car. Unless I'm mistaken, the 2008 GTI does no...
by ClevrChico
Thu Jul 26, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7806

Re: Son Hurt at Summer Camp

We had a somewhat similar situation at daycare. (Another kid hurt my kid.) We ended up at urgent care and learned about scalp lacerations. It was time off work, stressful at the time, and a small scar is visible after a haircut.

We paid the deductible from our HSA and moved on.
by ClevrChico
Thu Jul 26, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score after becoming debt free?
Replies: 48
Views: 3790

Re: Credit score after becoming debt free?

I'm in a similar situation as OP. My FICO 8 score is in the low 800's. I wouldn't sweat it.
by ClevrChico
Tue Jul 24, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Peak Oil, Reloaded?
Replies: 45
Views: 3746

Re: Peak Oil, Reloaded?

Last week someone stopped me at the pump to ask how much it cost to fill my fuel efficient car. That hasn't happened in a while, and I consider it a sign. :-)
by ClevrChico
Sun Jul 22, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Real salary growth negative?
Replies: 45
Views: 4560

Re: Real salary growth negative?

Better than in Megacorp land. +1, this is a trend everywhere, including megacorp world. I had defined pension plans early in my career, and as is the trend, they are now frozen to new contributions. Also, they are non-col adjusted, so their future value isn't looking too hot. I'm keeping my fingers...
by ClevrChico
Sun Jul 22, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter Harassed Because No Loans
Replies: 13
Views: 1651

Re: Daughter Harassed Because No Loans

I had several good friends that had no loans in school, and while I was a bit jealous of the situation, I never held it against them. It's a good lesson in "life's not fair". Tuition, grants, loans, and starting salaries were common topics and info we all shared and compared, so I don't see it unrea...
by ClevrChico
Sat Jul 21, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: Has Vanguard.com ever gone down for an extended period?
Replies: 4
Views: 700

Re: Has Vanguard.com ever gone down for an extended period?

Nothing is 100%. You can get close, but things get very complicated the closer you get. So complicated that you're not competitive.
by ClevrChico
Sat Jul 21, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14922

Re: COMING SOON: BOGLEHEADS PODCASTS

This is exciting news! I'm sure the quality will be very high.
by ClevrChico
Sat Jul 21, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15682

Re: New book based on Millionaire Next Door

I loved the original, and I'm excited about the new book. Thanks for the heads up!

My library has this on pre-order, and I'm first in the hold queue. :-)
by ClevrChico
Fri Jul 20, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 10974

Re: I may have understood why it's so hard to save and invest

Compounding is an amazing thing. We occasionally receive spot bonuses at work for going above and beyond, which generally means some high stress grinding for a week or two. The spot bonus for all that is the same as two days of average investment gains for me. It's taken twenty years to get to that ...
by ClevrChico
Thu Jul 19, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17019

Re: Salary vs. Lifestyle

It depends how you are wired. If you're extremely competitive and family time isn't a priority, go for it. It's risk/reward. I've seen some toil hard for years, make it to the second rung of the ladder, and then burn out. Hours and travel requirements can be brutal. The rewards can be big. If you're...
by ClevrChico
Sun Jul 15, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Choosing a Used Car Model
Replies: 13
Views: 1390

Re: Choosing a Used Car Model

If you're buying a lightly used Honda or Toyota, you may be better off just buying new. The price difference is a "few thousand dollars". (Just went through this four days ago.)
by ClevrChico
Sat Jul 14, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: manual typewriters?
Replies: 43
Views: 2464

Re: manual typewriters?

The nicest "feel" on a manual typewriter, and the pleasantest (and least likely to hurt your fingers if you are really typing for a long time), are the full-sized 30? pound desk machines, but they may be unreasonably heavy and bulky. The ones I grew up with and typed on for decades looked like this...
by ClevrChico
Sat Jul 14, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 8653

Re: Be Careful Using Mailboxes

I mail anything outgoing at my megacorp employer. They have a great shipping department.
by ClevrChico
Sat Jul 14, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6784

Re: Dave Ramsey made me laugh today

No bonds seems dangerous for a lot of his audience, as I can see the same audience panic selling in a downturn. DR has been showing up on my Youtube feed recently for some reason. He's very entertaining, like most financial entertainers, but I wouldn't take his advice too seriously. (That's the acti...
by ClevrChico
Fri Jul 13, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 4041

Re: Advice on IT Certification program

It could be a foot in the door, which is all one needs to get started. He'll need talent to take him beyond that. Once he gets an entry level job + experience, I'd suggest focusing on cloud training. There's an huge amount of online training available for that. That's what is in demand now. Network ...
by ClevrChico
Mon Jul 09, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with recruiters
Replies: 20
Views: 2026

Re: Dealing with recruiters

For the average person:

1) Find a job on your own that you love.
2) Ignore recruiters. That is one less commissioned sales person you have to interact with.
by ClevrChico
Sun Jul 08, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5612

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

You're getting hosed. An air filter and brake fluid needing service at 8k miles is hard to believe, unless you drive on country gravel roads daily. I'm at 60k miles of light urban driving, and I can easily double Honda's air filter schedule, and my brake fluid is still clean. You can verify yourself...
by ClevrChico
Sun Jul 08, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Used Honda - How to confirm it was serviced on time?
Replies: 18
Views: 1255

Re: Used Honda - How to confirm it was serviced on time?

As others have said, you can visually look at many things. However, I always ask for receipts and if they can't produce this is another factor in my decision making process and price negotiation. +1 to this. I've been told (lied to) they had receipts only for them to be unable to produce them. I ra...
by ClevrChico
Sun Jul 08, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5218

Re: Every Other Friday Off

I love three day weekends! I just use PTO to take a lot of them. :happy
by ClevrChico
Fri Jul 06, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Pitfalls of real estate investing
Replies: 39
Views: 4166

Re: Pitfalls of real estate investing

MoNa. (Mother nature.) Multiple real estate investment properties in my city recently received damage by a historical flash flood. This is in an area where you wouldn't think flooding would be an issue, so I'm guessing they're not insured. There are lots of semi trucks in the area with Service Maste...
by ClevrChico
Wed Jul 04, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5616

Re: How to tip

I also think tipping culture is out of control in the USA. I agree, and I love traveling abroad where I don't have to worry about it. That said, US culture is what it is, and there's not much I can do to change it. The one thing I will NOT do is punish the server for things outside his/her control ...
by ClevrChico
Wed Jul 04, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5616

Re: How to tip

Pre-tax.

I do tip well and probably too much sometimes, but I also think tipping culture is out of control in the USA. Tipping on tax doesn't make sense to me.
by ClevrChico
Sat Jun 30, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Bogleheads approach to hair loss?
Replies: 15
Views: 987

Re: Bogleheads approach to hair loss?

I believe medical questions are off topic, so I'll say just say talk to your doctor during your next checkup. I saved my hair, no surgery required.
by ClevrChico
Sat Jun 30, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Water leak when it rains - older Camry
Replies: 25
Views: 1470

Re: Water leak when it rains - older Camry

+1 to those suspecting the sunroof drains. I'd first run weed trimmer line through the front drains to see if that helps. If not, remove the interior trim for the A pillars and inspect the tubes. On our VW, the tubes were glued from the factory and disconnected, so you can imagine the water leaking ...
by ClevrChico
Sat Jun 30, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11142

Re: Feel like I'm sinking money into international

That's the way maintaining an asset allocation works. You're "buying low" or "buying on the dips", which is not a bad thing.

It's been a lackluster year for a lot of us. Stay the course.
by ClevrChico
Fri Jun 29, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3361

Re: Best insurer? Allstate vs chubb vs AAA or others

I'm a happy Amica customer. Auto premiums actually went down this year. (No changes on my side.)

My experience is that independent agents tend to give one cookie cutter coverage, which may not be optimal for a boglehead's situation.
by ClevrChico
Wed Jun 27, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10595

Re: Lost out on promotion

Promotions normally take several years, so don't beat yourself up over it.

If you want to feel better, focus on a work life balance, and grow your investments. Do it long enough, and investment returns will dwarf promotions.
by ClevrChico
Wed Jun 27, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5305

Re: car for long-distance driving

I have a second generation Honda Fit, and that class of car is simply not going to be great for long trips. Although, it would be doable. Something like a Lexus would be at the top of my list, or possibly a Toyota Avalon to save money. I leave the Honda at home and rent a Grand Caravan for long trip...
by ClevrChico
Fri Jun 22, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5880

Re: Surprise - Costco sells - but does not install vehicle batteries

I'm not surprised. One of our cars is German, and to the unfamiliar, changing the battery without a service manual would not go well. One surprise is that that power steering reservoir is clipped to the battery case. (And that's just for starters. :-) )
by ClevrChico
Fri Jun 22, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21053

Re: Can you retire on $2M?

I've done the math in a LCOL area and it works out. I've considered a swr of 3.5% for early retirement, based on this:

https://www.madfientist.com/safe-withdrawal-rate/

I am waiting until I'm a bit older and watching what happens with health care before making any moves.
by ClevrChico
Thu Jun 21, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33747

Re: What is/ was your career and would you recommend it now?

I'm in the operations/systems side of tech. Would recommend it if one has a love for the field. It's taken me from a working class teenager to an adult with an upper-middle class income. My dad and I spent a small fortune on computers back in the 90's, and I worked my way through college. (Remember ...
by ClevrChico
Tue Jun 19, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8599

Re: gray hair

Gray doesn't bother me. But losing it, yeah, I do treat that. That's my own personal war on aging. :twisted:
by ClevrChico
Sun Jun 17, 2018 9:41 pm
Forum: Investing - Theory, News & General
Topic: "Money Talk" Radio Program with Bob Brinker
Replies: 33
Views: 4011

Re: "Money Talk" Radio Program with Bob Brinker

Money Talk helped me find Vanguard ages ago, so that was good. And I managed to avoid the "market timer" baloney that was pushed back then.

Modern radio is ridiculous about commercials, so I leave the station on commercial-free NPR. NPR covers economic issues very well.
by ClevrChico
Sun Jun 17, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8745

Re: Which Supermarket are you?

Primarily Aldi, supplemented by Asian grocers, and the pricey regional chain for convenience. Interestingly, Tobacco Outlet Plus Grocery offers super cheap groceries at a convenience store. As in $1.99/gallon milk and other prices competitive or cheaper than anywhere else. It's hard to wrap my head ...
by ClevrChico
Sat Jun 16, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Managed Payout Fund
Replies: 30
Views: 2901

Re: Vanguard Managed Payout Fund

The "auto-pilot" features of this fund are nice. It's one less thing I have to worry about or discuss helping older family manage their money.