Search found 1293 matches

by ClevrChico
Sun Dec 09, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 90
Views: 8804

Re: Certified Used BMW, Audi or Mercedes

Your mechanic is exactly right. DS owns a Volkswagen, I own a Honda. The Honda is designed for reliability and long term ownership. The VW is not.

I actually spent part of this afternoon trying to track down another VW coolant leak. Good times.
by ClevrChico
Sun Dec 09, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker Retirement
Replies: 13
Views: 1869

Re: Bob Brinker Retirement

I am so sorry to see that Bob Brinker is no longer on the air. I have followed his advice for decades. Still get the Newsletter, but I have fears that he will stop publishing at some point. Then whose advice am I going to take on AA or when to buy or sell? Anybody else have these fears?? No, not me...
by ClevrChico
Sun Dec 09, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Christine Benz next podcast guest
Replies: 14
Views: 1578

Re: Christine Benz next podcast guest

Excellent! It will be great having new material to listen to while working out. Thanks, Rick!
by ClevrChico
Sun Dec 09, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4048

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

I'm in the "other" category that once had a summer off as an adult between jobs. I did whatever I wanted to. :-) Loving the outdoors, I spent afternoons exploring the bike trails in the area. I ate out at the cheap ethnic restaurants on a daily basis. I was able to spend lots of time with friends an...
by ClevrChico
Sat Dec 08, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3432

Re: Root Canal - dentist or endodontist

I'd go to an endodontist. Depending on the tooth, a standard dentist may not even touch it anyway.
by ClevrChico
Thu Dec 06, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 349
Views: 19340

Re: What are others paying for property taxes around the US?

$3k on a 2k sf house. Valuation of $160k. Iowa.
by ClevrChico
Wed Dec 05, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6904

Re: Anybody Miss the Crypto Rage on BH Forums

I don't see much about peer to peer lending these days either.

What's next? Possibly international socks doing really well and posters asking if they should invest? The luxury watch bubble bursting?
by ClevrChico
Sun Dec 02, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5146

Re: Do you get a year end bonus?

5% as an IC working in tech at a megacorp. (After deductions, net seems like almost nothing. Paid in Q1 next year.) The highest annual bonus prior to this employer was a $100 bill and a handshake from a VP for every employee before Christmas. I'm happy with the 5%, and it will all get transferred to...
by ClevrChico
Sun Dec 02, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3952

Re: Please Recommend a New Car for Me

Sites like Edmunds are better suited for your search. No one drives manuals any longer. Subarus are designed for the Northeast. I drive a manual - and prefer it. Hopefully automakers continue to produce these as long as they make ICE vehicles. Electric cars and hybrids of course will be the end of ...
by ClevrChico
Sat Dec 01, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 3966

Re: declining employer benefits?

It's certainly possible. We had 100% paid healthcare, and an employee declined it for "moral reasons". :shock: They received no extra cash or compensation.
by ClevrChico
Wed Nov 28, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8663

Re: How did YOU choose your career?

I started doing small tech gig work in high school, and it just snowballed from there. Completed an MIS degree in early 2000. Now working at a Fortune 100 doing really interesting tech work. Those gigs + bogleheads are some of the best things that happened to me. I think the key is job shadowing or ...
by ClevrChico
Wed Nov 28, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: RedPocket - any reason not to use Verizon?
Replies: 12
Views: 952

Re: RedPocket - any reason not to use Verizon?

Some of the best plans are annual cards that one buys on Ebay. We have an "ultimate plan" from Ebay, and that specific one is GSMa only. (ATT)

If you're paying month to month, it doesn't normally matter. Although some upper month to month plans have data plans carrier specific.
by ClevrChico
Sun Nov 25, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating salary when you know you're underpaid
Replies: 16
Views: 2048

Re: Negotiating salary when you know you're underpaid

I am afraid that, like the real Annabel Lee, you are doomed at your current megacorp. In my experience, 20% raises normally require going into the marketplace to find a better-paying job. At that point, you might be offered a better compensation package from your current employer - but arguably it'...
by ClevrChico
Sat Nov 24, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Best MVNO for Verizon Network - any updates?
Replies: 30
Views: 1987

Re: Best MVNO for Verizon Network - any updates?

We've been very happy with Red Pocket. You can buy a month to month plan directly, or get annual cards on Ebay. (And watch slickdeals for the occasional deep discounts on ebay purchased annual plans.)

Red Pocket has different plans for every major US carrier.
by ClevrChico
Wed Nov 14, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7348

Re: Honda reliability slipping?

I have a nine year old Honda, daily driven since new. It's had: - Three safety recalls. All due to Honda's suppliers. Cost to fix: $0, and may make me money due to a class action lawsuit. - Two repairs due to cheap plastic bits breaking. DIY cost, < $50 of parts. That's it. - Dealer - Terrible, host...
by ClevrChico
Mon Nov 12, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9947

Re: Granddaughter needs $ help for university

Your granddaughter can't get a direct student loan?

https://studentaid.ed.gov/sa/types/loan ... subsidized

I had a negative net worth starting college, and I needed no cosigner for a direct loan. Uncle Sam paid the interest due to financial need.
by ClevrChico
Sun Nov 11, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 13107

Re: Worth fixing a 30-year-old Maytag dryer?

I'd fix it. Parts shouldn't be a problem.

Edit: Oh my, 2013....
by ClevrChico
Wed Nov 07, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 20071

Re: COMING SOON: BOGLEHEADS PODCASTS

columbia wrote:
Sat Sep 15, 2018 9:13 am
The furniture store employee story is something else. :sharebeer
This is gold! Kudos to Jack and Rick for putting this together. This will be my go to podcast for winter workouts.
by ClevrChico
Sat Nov 03, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 35
Views: 3116

Re: high deductible vs. PPO calculation--high deductible always wins?

The way to avoid that is to bundle up minor health issues, and save them for your annual physical if you can -- that way, they should be free. Unfortunately, if a problem is found with the annual preventative physical, that gets it's own code and billable item. If you have an HDHP, you're paying fo...
by ClevrChico
Wed Oct 31, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 2768

Re: IT Career Advancement-What path?

I transitioned to cloud work this year. (Lateral move at same company.) I think it was a good move.
by ClevrChico
Wed Oct 31, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11175

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

From browsing various FIRE forums, the typical tech worker in a HCOL area accumulates money faster than a LCOL one. Some of the savings and compensation numbers they post seem untouchable in a LCOL area. Quality of life is probably higher in the LCOL area in terms of housing, commutes, schools, etc....
by ClevrChico
Tue Oct 30, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3622

Re: The most you ever paid for a prescription

$200. Luckily we then found an online coupon to knock it down to around $20. Went to pharmacy and they reprocessed it as $20.

But if one uses Medicare/medicaid they cannot use the coupon, and it's processed as the full amount. :confused
by ClevrChico
Tue Oct 30, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Who has gotten the most value out of a car?
Replies: 48
Views: 3281

Re: Who has gotten the most value out of a car?

Paid around $5,500 for a car. Drove for six years, then received a $4,500 Cash for Clunker rebate on it. It's too bad repairs cost around $4k on top of the purchase price. :oops: Cash for Clunkers made that purchase mistake less of a mistake. I'm definitely not winning this contest.
by ClevrChico
Sat Oct 27, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 75
Views: 7057

Re: Car battery?

Deka Batteries (East Penn Manufacturing) are regarded as some of the best. NAPA brand batteries are Deka.

Deka makes also makes a ton of industrial batteries, energy storage, etc.
by ClevrChico
Sun Oct 21, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8724

Re: Quitting w/o notice

I've given more than two weeks notice, only to have jealous employees/manager treat me poorly. I wouldn't sweat it if you're employed at will. Leave if you need to.
by ClevrChico
Sun Oct 21, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6082

Re: Pull kids from school for vacations?

Mean Dad here. I'm very against this given that school includes generous breaks already. That said, family has twisted my arm and we have taken dd out of school for vacation a couple days, and school was fine with this.
by ClevrChico
Wed Oct 17, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8618

Re: When to change tires; and what brand

1) I replace when near or at wear bars.

2) Michelin normally. (Unless the car is close to retirement, and then Wal-Mart Douglas tires are good enough.)
by ClevrChico
Wed Oct 17, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5543

Re: Maserati Experiences

Funny story. Got a Maserati Biturbo 1985 in 2008. Reviews say it's a terrible car. I loved it. A beautiful rumble everywhere I went. Highway at night with a girl at high speed, great memories. Back seat a make out couch. Suede roof for heaven's sake. Broke down in a big city, overheated, lifted up ...
by ClevrChico
Sun Oct 14, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: 1950s home. Replace drywall and insulation or repair it
Replies: 19
Views: 1765

Re: 1950s home. Replace drywall and insulation or repair it

I had my 1950's home insulated from the outside. A piece of siding was removed, holes made in the sheathing, insulation blown in, and siding replaced. It was almost free with energy company rebates. Far less mess and risk than dealing with old drywall.
by ClevrChico
Sun Oct 14, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1923

Re: Buy car cash or take low rate loan

Don't forget to add an origination fee for the loan. Financially it looks like a near wash, but I'd pay cash to make the deal simpler. (Less chance to be taken advantage of.)
by ClevrChico
Sun Oct 14, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Timber as an alternative - didn't work so well...
Replies: 34
Views: 5520

Re: Timber as an alternative - didn't work so well...

Fascinating! I had this recommended to me about 20 years ago by a know it all type person. They also suggested landlording. I'm glad I ignored the noise and stuck to index funds. I know a couple people that did the timber investment plan, and it's way too late to turn back now. I wonder if it will p...
by ClevrChico
Sat Oct 13, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1396

Re: Drop in MPG (09 Civic)

Try using top tier gasoline, because it contains 2x the detergents: https://www.toptiergas.com/licensed-brands/ Tests show it may take 5k miles to clean out the carbon. I have similar behavior in my '09 Honda, and it seems to be gradually improving after using top tier gas. I believe CR recommends, ...
by ClevrChico
Thu Oct 11, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: auto/home insurance rates
Replies: 19
Views: 1630

Re: auto/home insurance rates

I'm an Amica customer. This year, one premium decreased and another increased. I'm happy.
by ClevrChico
Sun Oct 07, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10083

Re: What is your annual cost for health insurance?

Work at US megacorp, family of four. Rough numbers are below. DS and I work at same Megacorp, one is on single, the other on single + kids since it's cheaper than family coverage. Employee annual premium: $1800 Employer HSA Contribution: $1800 $2.5k deductible, then 80% up to OOP max of $5k. BCBS. F...
by ClevrChico
Fri Oct 05, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: How to clean oil off a lamp without damaging it
Replies: 10
Views: 756

Re: How to clean oil off a lamp without damaging it

I'd try Dawn and then brake cleaner. Brake cleaner has a handy straw that could be good for tight spaces. No idea on damage potential, so start small. :-)
by ClevrChico
Thu Oct 04, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 4062

Re: Tipping

I go to an in-home hair salon and do not pay a tip. Throwing extra money at a business owner seems odd. :-)

Disclaimer: I'm in the "tipping is out of control" camp and stick to old school tipping practices.
by ClevrChico
Tue Oct 02, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15761

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Iowa has been good to us. Des Moines is having a construction boom. It's a major insurance/banking center, so there's plenty of office jobs too.

The weather offers lots of variety. But if you love the outdoors, a winter hike, or a walk on a cool rainy day can be lovely.
by ClevrChico
Sun Sep 30, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13977

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

I loved the original; it did a lot to inspire me. Based on what has happened in America over the past two decades with regard to economic inequality, I fear the information here in this new version will only depress me—but I hope I’m wrong. I've just started the book, and overall the message is pos...
by ClevrChico
Sat Sep 29, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13977

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

I'm reading it now and loving it. The updates to bring it up to 2018 are excellent.

I put it on hold at the library when it was still on order. And, I'm the first one to get it. :-)
by ClevrChico
Sat Sep 29, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Car broker
Replies: 27
Views: 2498

Re: Car broker

You could do the same thing with a few emails. You could even have the car delivered to your house and do the whole transaction without stepping foot in the dealership. (Mailing/faxing the signed paperwork.) All without a broker. As long as there is a little profit, dealers and salesmen will bend ov...
by ClevrChico
Sat Sep 29, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Salary negotiation: saying a number first on purpose?
Replies: 43
Views: 4056

Re: Salary negotiation: saying a number first on purpose?

Most companies have a set budget, so you're not going to change them much. Know the market and tell them what you want paid up front. It saves a ton of time.

I'd hate to burn vacation days interviewing only to find out we weren't in the same ballpark.
by ClevrChico
Thu Sep 27, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 30
Views: 4370

Re: Should I have my new garage floor coated with Epoxy?

It can make the floor more slippery. You're also creating a maintenance item (painted floor) where there wasn't one before.
by ClevrChico
Tue Sep 25, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6161

Re: Oil change interval for low-mileage vehicles

Once/year here. Cheap and effective.
by ClevrChico
Tue Sep 25, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: DIYers Taking a Toll
Replies: 50
Views: 6593

Re: DIYers Taking a Toll

Sales is one of easiest and most profitable things to automate with AI and Tech. We're just seeing the beginning, and it will change every industry.

Your son's job was replaced by a computer program doing the job far better and cheaper.
by ClevrChico
Mon Sep 24, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 9111

Re: Losing Passion for Hobbies. Cheap or normal aging?

The gamer changer for me was buying a house. Maintaining a house and garden consumes a big part of my free time. (Along with maintaining and repairing what are now older cars.) Add kids on top of that, and I'm lucky to get half an hour a day to catch my breath. Taking a nap on a weekend sounds reall...
by ClevrChico
Mon Sep 24, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: To rent out our house or not
Replies: 25
Views: 1443

Re: To rent out our house or not

It's a sellers market now, I'd sell it.
by ClevrChico
Sun Sep 23, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3830

Re: How to get rid of rabbits

I had a pet greyhound and a fenced in yard. That worked extremely well for rabbit control.
by ClevrChico
Wed Sep 19, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Battery backup sump pump recommended?
Replies: 11
Views: 764

Re: Battery backup sump pump recommended?

Do you have a finished basement? If so, I'd want dual standard pumps and dual battery pumps if possible. We had a freak storm dump nearly ten inches of rain at once. It was an insane amount of water. More pumps = more flow. The cost of a good system is cheap insurance. Pumps fail along with generato...
by ClevrChico
Wed Sep 19, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3773

Re: Does this job exist (another want-to-quit-corporate-world thread)?

I know people that became adjusters after Katrina with little experience. I think that was only temporary, though.

Having a few part-time jobs would get you into the $30k - $50k year range. School bus driver + seasonal mail/package delivery + lawn mowing come to mind for what you're looking for.
by ClevrChico
Mon Sep 17, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 3122

Re: How to determine quality of a finished new construction home

Check the kitchen drawers. It should be obvious if it's builders grade flimsy metal sliders and particleboard sides, or high quality Blum drawers with metal sides and soft close dampers. I'm always amazed when builders choose fancy counter tops but the cheapest of cabinetry. If they skimp on the kit...