Search found 959 matches

by ClevrChico
Thu Oct 19, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 121
Views: 8354

Re: anyone else not liking the new cars?

Very little interests me about new cars. I still subscribe to Car and Driver, but they mostly go unread, and get recycled. My Honda "appliance" car is good enough. Cars have never been better, and high horsepower cars are everywhere. The reality is they are very expensive and traffic, construction,...
by ClevrChico
Thu Oct 19, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 121
Views: 8354

Re: anyone else not liking the new cars?

Very little interests me about new cars. I still subscribe to Car and Driver, but they mostly go unread, and get recycled. My Honda "appliance" car is good enough. Cars have never been better, and high horsepower cars are everywhere. The reality is they are very expensive and traffic, construction,...
by ClevrChico
Thu Oct 19, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 121
Views: 8354

Re: anyone else not liking the new cars?

Very little interests me about new cars. I still subscribe to Car and Driver, but they mostly go unread, and get recycled. My Honda "appliance" car is good enough. Cars have never been better, and high horsepower cars are everywhere. The reality is they are very expensive and traffic, construction, ...
by ClevrChico
Wed Oct 18, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 49
Views: 3494

Re: anhybody buying bitcoin

I'm too busy with my safe and profitable coal mine. :-) j/k

Bitcoin? No way. I've haven't seen people make such reckless investment behavior since the .com boom. The posts on reddit by speculators are pretty entertaining.
by ClevrChico
Sun Oct 15, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 1481

Re: Opinions on bicycle disc brakes?

I'm working on a bicycle brake project, and I'm going to add a Sturmey-Archer drum brake to the front. It's weather proof, can last decades, and has great reviews. It's old tech for sure, but my old motorscooters did great with drum brakes with far more weight and speed. Just something to think about.
by ClevrChico
Sun Oct 15, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 116
Views: 5679

Re: What are you driving? And would you buy your current ride again?

2009 Honda Fit. I purchased it during the "cash for clunkers" rebate. I paid under $13k OTD for a new Honda, which I'd definitely do again.
by ClevrChico
Sat Oct 14, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1870

Re: Selling Tradelines

Outside of that, the amount of customers that intentionally try to rip off businesses is shocking. I'm intrigued by this. Is everyone who calls and complains to their cable company for a discount "trying to rip them off?" Is haggling in general trying to rip someone else off? Or is the company ripp...
by ClevrChico
Sat Oct 14, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1870

Re: Selling Tradelines

I've done enough churning and cancellation of unused cards, that my cards are too new to be much value. Also, I don't like boosting credit for deadbeats. Yup. For every person with bad credit because of some legit medical misfortune or something similar, there are a hundred people who have a bad cr...
by ClevrChico
Sat Oct 14, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2629

Re: Annuities - how does insurance company know you died?

In my experience, the funeral home reported the death to social security, and the financial institutions automatically received that data immediately.
by ClevrChico
Sat Oct 14, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1870

Re: Selling Tradelines

I've done enough churning and cancellation of unused cards, that my cards are too new to be much value. Also, I don't like boosting credit for deadbeats.
by ClevrChico
Fri Oct 13, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 103
Views: 6329

Re: How many miles/years do you keep your car?

The previous car was 22 years old. The one before that was 13 years old. As far as miles, no idea, as the odometers were not working properly when i got rid of them. I had to check the box "Actual mileage unknown" on the title transfer. I'm guessing around 150k miles. The current Honda is 8 years ol...
by ClevrChico
Tue Oct 10, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2601

Re: Cheapest thing you ever heard of to save money

When cell phone minutes were expensive (around the year 2000), friends giving me a ride would call me and hang up to let me know they were outside.
by ClevrChico
Mon Oct 09, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13718

Re: [Boglehead vs Mr Money Mustache philosophies]

Bogleheads doesn't seem to accept advertising/promotion embedded in the content. :-)
by ClevrChico
Sun Oct 08, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: (24M) - Should I take a pay cut for a new career path with a better payoff?
Replies: 21
Views: 2376

Re: (24M) - Should I take a pay cut for a new career path with a better payoff?

This sounds like a great opportunity.

Traveling tech consulting seems like an extreme grind. I think the pay gets closer to $200k+ for senior folks. You could always jump back into tech later on.
by ClevrChico
Sun Oct 08, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7173

Re: Lowes vs Home Depot

Big box stores mean an hour of driving for me, poor customer service, and possibility of them not having the part. They also tend to have imported goods marked up way too much for me. My normal go to place is my neighborhood Ace store. They are a huge time saver for me. Their paint department is exc...
by ClevrChico
Sat Oct 07, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 5481

Re: Pension Freeze - What did you do?

My pension is scheduled to freeze too. The pension is completely out of my control, so I try not to worry about it. The 401k is completely in my control, so I focus on that. I do understand your frustration. The reality of a frozen pension is that we're taking a cut to our total compensation. It's a...
by ClevrChico
Fri Oct 06, 2017 6:42 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 15421

Re: Bogle himself is saying we will expect like 3% for the next decades

I just read something about a long term bull market today. <shrug>
by ClevrChico
Thu Oct 05, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance
Replies: 46
Views: 8441

Re: Umbrella insurance

$155/year for $1MM with Amica here.
by ClevrChico
Thu Oct 05, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: accounting software for churches?
Replies: 22
Views: 1396

Re: accounting software for churches?

I do the books for a non-profit. (Not a church, but ~$160k annual cash flow) I use Google Sheets for record keeping/general ledger. Our credit union has nice online banking features for accounts payable. I give our records to a CPA once/year for taxes. A CPA could probably give you a workbook or cr...
by ClevrChico
Thu Oct 05, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: accounting software for churches?
Replies: 22
Views: 1396

Re: accounting software for churches?

I do the books for a non-profit. (Not a church, but ~$160k annual cash flow) I use Google Sheets for record keeping/general ledger. Our credit union has nice online banking features for accounts payable. I give our records to a CPA once/year for taxes. A CPA could probably give you a workbook or cre...
by ClevrChico
Sun Oct 01, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5297

Re: Would you take a pay cut to work from home?

The trend seems to be companies moving away from "work from home" so I would be leery. I wouldn't take such a sizable pay cut unless there was no choice.
by ClevrChico
Sun Oct 01, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6006

Re: Is it a waste of money having your furnace checked every year?

I might consider it if you have a good HVAC company and have old equipment.

I'm not too impressed with the local companies I've worked with. With modern equipment and built-in safety mechanisms it's probably a waste.
by ClevrChico
Sat Sep 30, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3739

Re: For buying house: how do you know which schools are "good"?

I'd ask people in the neighborhood. People in my neighborhood said our local school with a rating of 3/10 was great. We were skeptical, but it is great. Our child loves it and is excelling. I think great school ratings are more an indicator of income in the neighborhood, rather than educational qual...
by ClevrChico
Sat Sep 30, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 2738

Re: Amazon Fresh & the value of your time

I love online grocery shopping from our regional chain. There is a slight price premium, but we actually spend less, since we don't buy things we don't need.

The timing savings is incredible.
by ClevrChico
Fri Sep 29, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 5942

Re: My Smartest Financial Moves

Top Three:

- Completing college
- Vanguard/Indexing/LBYM
- Landing a job at a megacorp with ~10% company match for retirement w/ low fee 401k plan
by ClevrChico
Fri Sep 29, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 4935

Re: My first promotion without a pay increase

The pay grade rules and increase amounts are pretty standard industry wide in tech. I'd suggest looking at other internal positions or other companies. It's possible you won't find anything better, but you might! And yes, you may be working too hard. I see people sacrificing their lives in tech by b...
by ClevrChico
Tue Sep 26, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11053

Re: The Rolex and The Boglehead

They look nice, but I need accuracy for work, so a Casio digital is on my wrist. I've thought about buying a token amount of Casio stock.
by ClevrChico
Sun Sep 24, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5096

Re: Bogleheads monthly costs of dog ownership?

It doesn't get expensive until you buy that house with a fenced in yard or dog friendly vehicle. :-) (I'm somewhat kidding, but it does happen.)

I'd agree with everyone else on vet costs.
by ClevrChico
Thu Sep 21, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: The money trail...import vehicle vs domestic.
Replies: 32
Views: 2215

Re: The money trail...import vehicle vs domestic.

The #10 holding of VTIAX is Toyota. The profits from the Tundra aren't necessarily staying in a foreign country. :-)
by ClevrChico
Wed Sep 20, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24079

Re: I won the Lottery. Need sound advice.

You asked the right people and have a plan in progress. I think that's great!

Some friends of friends won in the 90's and spent it all on 90's cars and a failed business. That seems incredibly foolish now.
by ClevrChico
Wed Sep 20, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2933

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

We buy the minimum package in the fall. It includes a class photo, which is nice to put names to faces with during the year. I consider the whole concept nearly obsolete, though. We can take better photos at home. Spring pictures are interesting, since they send home every photo package, and then bi...
by ClevrChico
Sat Sep 16, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18314

Re: Is it really Worth it to brown bag your lunch at work?

Eating at work is worth it for me. It saves a bunch of time, which means I can start work later, and take kid1 to school. The alternative would be before school care, which kid1 probably wouldn't like (too early.) Brown bagging lunch = happier, healthier family and saves about $5k on lunch and $2k o...
by ClevrChico
Wed Sep 13, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11349

Re: Anyone else freeze their credit score?

Are there any thoughts about consolidating best practices for this into the wiki?
by ClevrChico
Sat Sep 09, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24213

Re: Name something you had to have and now you regret purchasing it?

A Groupon deal for a discount colonoscopy. Someone gifted me a pretty cool Groupon experience driving an exotic vehicle. But, it was wayyy out of state, and required something like 12 hours of driving round trip. I waited until it neared expiration, so I went despite being very under the weather. T...
by ClevrChico
Sat Sep 09, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6471

Re: Luxury car: perception vs reality

The author of Millionaire Next Door went on to write Stop Acting Rich. In that book he says something like 85% of luxury car owners are NOT millionaires. I remember two stats that jumped out at me. 100% of Aston Martins are NOT owned by millionaires, and 99% of Ferraris are NOT owned by millionaire...
by ClevrChico
Sat Sep 09, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6471

Re: Luxury car: perception vs reality

Our billionaire venture capitalist drove a basic F-150. The engineers drove Mercedes and Lexus.

I'd guess a lot of luxury car owners do not have a high net worth.
by ClevrChico
Sat Sep 09, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 5677

Re: Purchasing Home With Girlfriend; Good or Bad?

I would not buy a single family home until I was married with multiple kids. If you were married with twins, a 2 BR condo would be sufficient for years.
by ClevrChico
Thu Sep 07, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4895

Re: how often does high ACT score == scholarship?

With such a high ACT score (congrats), I'd expect partial scholarships. My state is having revenue problems, and one of the first things cut were scholarships, including academic scholarships that were already awarded. There are really no guarantees, and it's variable depending where you go. My expe...
by ClevrChico
Mon Sep 04, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2914

Re: Are you a "car guy" or "car gal", how do you fund?

I used to be, and I used voluntary overtime to pay a majority of maintenance and repair costs. Shop rates were a painful $90 - $100 hour at that time. If you're savy and a little lucky you can choose a car that will appreciate or minimally depreciate. Depreciation for me was $500 over 70k miles. Mai...
by ClevrChico
Sun Sep 03, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 108
Views: 16519

Re: Becoming a Landlord: My Experiences

Interesting, thanks for the post.

Any idea why a landlord would convert a newer complex from rentals over to condos? Is that a sign things weren't going well? A previous landlord did this.
by ClevrChico
Sun Sep 03, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Humble dollar article on munis
Replies: 6
Views: 696

Re: Humble dollar article on munis

I put all scenarios into a spreadsheet, and munis in taxable were the most optimal for me. There is a strong argument that bonds belong in taxable.
by ClevrChico
Sat Sep 02, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3101

Re: Evaluating new job offer

I'd keep the current job with the nice people and decent boss. Maybe, find a way to make things less boring? Perhaps the company gym, outside training, toast masters, or mba?

There's a lot of tech employers that treat their employees bad, so I wouldn't leave a good one once I found it.
by ClevrChico
Fri Sep 01, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: Ethereum (cryptocurrency) flash crash, 6/21/2017, $339->$0.10 in "seconds"
Replies: 30
Views: 4722

Re: Ethereum (cryptocurrency) flash crash, 6/21/2017, $339->$0.10 in "seconds"

I have interest in crypto and have used it, but in no way do I invest in it. I read the crypto forums, and I'm thankful for our helpful userbase and moderators. The amount of undisciplined "investment" behavior discussed in these forums is pretty scary. (Everything from talk of tax evasion, zero div...
by ClevrChico
Fri Sep 01, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 4526

Re: Robert Kiyosaki - rich dad, poor dad

Read it. Made me feel like an underachiever. It turned out to be fiction. Do not recommend spending time reading financial fiction.
by ClevrChico
Tue Aug 29, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8188

Re: Relative angry I will not co-sign

You did the right thing. You can't choose your family, but you can choose your friends. Focus on your friends instead.

I'm estranged from an entire branch of my family tree due to their bad behavior, and it's for the better. (I'm sure they feel the same way too. :happy )
by ClevrChico
Sun Aug 27, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 234
Views: 26663

Re: What is Bitcoin?

On Friday, my dental hygienist, who seems to get interested in every "get rich quick" scheme that comes down the pike, expressed great interest in buying Bitcoin for appreciation. This is one of my usual indications that something is reaching bubble status, like that old great depression tale of th...
by ClevrChico
Sun Aug 27, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3281

Re: Desperate to get rid of mosquitoes, what else could we try?

I use "Mosquito Barrier" which is concentrated garlic juice that I apply in a garden sprayer. Swarms of bugs visibly flee as I apply it. I also cut the grass short to make it less bug friendly. Does that really work? We cut ours tall to make it less weed friendly and drought tolerant. Short grass d...
by ClevrChico
Sun Aug 27, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3281

Re: Desperate to get rid of mosquitoes, what else could we try?

I use "Mosquito Barrier" which is concentrated garlic juice that I apply in a garden sprayer. Swarms of bugs visibly flee as I apply it.

I also cut the grass short to make it less bug friendly.