Search found 1267 matches

by ClevrChico
Wed Oct 17, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4631

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: 5270

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: 1669

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: 1827

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: 19
Views: 2787

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: 1334

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: 1555

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: 9586

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: 705

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: 3892

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: 209
Views: 14307

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: 68
Views: 13176

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: 68
Views: 13176

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: 22
Views: 1804

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: 3946

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: 4301

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: 5971

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: 6517

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: 8989

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: 1418

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: 3715

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: 728

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: 3719

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: 3055

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...
by ClevrChico
Fri Sep 14, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6682

Re: Job burnout - Keep grinding or change?

I've felt burnout in every decade of my working life. I think it's very common. I've been able to push through it and patiently change what needed to be changed. (Change employers, learn new things, take full lunch breaks, delegate work to a temp, transfer to a department with a non- :twisted: boss,...
by ClevrChico
Mon Sep 10, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10188

Re: Side Hustle Options/Suggestions.

How about tax prep?
by ClevrChico
Sun Sep 09, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly cost of air conditioning?
Replies: 23
Views: 2200

Re: Hourly cost of air conditioning?

A modern a/c unit and blower motor would probably knock about 1/3 off your energy costs. Payback would take a while. :-)
by ClevrChico
Sun Sep 09, 2018 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market vs CD vs Bond fund vs .... Cash
Replies: 11
Views: 2635

Re: Money Market vs CD vs Bond fund vs .... Cash

I keep money set aside any large expenses occurring in the next year in Vanguard Prime Money Market. It's not FDIC insured, but it's one less account to worry about since I already have a Vanguard account. Any other money is invested in stocks/bonds per my set asset allocation. That is my emergency ...
by ClevrChico
Sun Sep 09, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4635

Re: $250,000 family loan to parents?

Best option is just to have the parents open a HELOC. +1 And it should provide incentive to get the house sold. This is the route I would take, although you could probably swing any financial solution to this problem. The housing market is great right now in a lot of areas. Also reconsider how urge...
by ClevrChico
Sat Sep 08, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2199

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

The car you're describing can be called a "reliable pos". (Google it for more info.)

Ours (ages 9 and 14) get washed at the car wash twice/year.

The interior gets cleaned when we have to remove the child seats to haul something. It's not pretty.

They are garaged and still look new.
by ClevrChico
Sat Sep 08, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3126

Re: Is it sensible to buy a car from Elon Musk?

Is his behavior intentional to lower the stock price? Or, is he just beyond burnt out and needs to delegate more? If you bought a Tesla and the company closed (not likely), it would just hasten depreciation. (The same thing happened to Pontiac owners.) What is the rational argument for subsidiary b...
by ClevrChico
Sat Sep 08, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3126

Re: Is it sensible to buy a car from Elon Musk?

Is his behavior intentional to lower the stock price? Or, is he just beyond burnt out and needs to delegate more? If you bought a Tesla and the company closed (not likely), it would just hasten depreciation. (The same thing happened to Pontiac owners.) Either way, it's just a car that's going to de...
by ClevrChico
Sat Sep 08, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3126

Re: Is it sensible to buy a car from Elon Musk?

Is his behavior intentional to lower the stock price? Or, is he just beyond burnt out and needs to delegate more? If you bought a Tesla and the company closed (not likely), it would just hasten depreciation. (The same thing happened to Pontiac owners.) Either way, it's just a car that's going to de...
by ClevrChico
Sat Sep 08, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1742

Re: Buy a house that needs full renovation?

I'd run away from this one and rent until you have children that are ready to start school. (Then you can pick the school district.)
by ClevrChico
Sat Sep 08, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3126

Re: Is it sensible to buy a car from Elon Musk?

Is his behavior intentional to lower the stock price? Or, is he just beyond burnt out and needs to delegate more? If you bought a Tesla and the company closed (not likely), it would just hasten depreciation. (The same thing happened to Pontiac owners.) Either way, it's just a car that's going to dep...
by ClevrChico
Fri Sep 07, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Cars (CPO): Is this normal?
Replies: 30
Views: 2523

Re: Certified Pre-Owned Cars (CPO): Is this normal?

I'd complain to the manufacturer about this. Definitely false advertising. I have heard of dealers lowering the price at the request of the customer and removing the CPO warranty. That's legit. What you experienced is not normal. I'd be surprised if anything could be done at this point, though.
by ClevrChico
Mon Sep 03, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6839

Re: Walmart is not Amazon

Wally World still is way behind on their website. When I search for items on Wally World dot com, I still get a bunch of unrelated junk. On the other hand what bothers me about Amazon is all the "sponsored" results and fake reviews. But Wally World seems to be the underdog here, so I'm rooting for ...
by ClevrChico
Mon Sep 03, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6839

Re: Walmart is not Amazon

I order a lot from Wal-Mart online, but they need to get rid of the 3rd party resellers. It's difficult to know who you're actually buying from and makes their platform look like a mess. Wal-Mart should focus on selling their private label goods online, as they are far ahead of Amazon on private lab...
by ClevrChico
Fri Aug 31, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7763

Re: I want to pry my friend away from Edward Jones

Best to stay away from that topic. Many of my colleagues brag about their advisers. I just cringe and keep quiet.
by ClevrChico
Thu Aug 30, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3221

Re: Piano for a child

We started out with a $100, 61 key Casio, non-weighted, and it's quite amazing what you get for your money. We'll move up to a weighted keyboard if our kiddo keeps interest. There's been a time or two when they stopped practicing, and I've wondered if they've lost interest. Start small for sure.
by ClevrChico
Sun Aug 26, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8714

Re: $65K Fun Daily Driver

Morgan 3 Wheeler.

Or maybe not if you're planning to haul an infant.
by ClevrChico
Sat Aug 25, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a job at a startup without a 401k
Replies: 23
Views: 1775

Re: Taking a job at a startup without a 401k

My first FT gig out of college was at a startup with no retirement benefits. (Eons ago) In 1.5 years, I lost out on $10k of employer contributions. What was the cost to my retirement account, assuming I funded an IRA with what would have been my contribution? $10k @ 8% X 43 years = $273k If you want...
by ClevrChico
Fri Aug 24, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6308

Re: Sellers beware on eBay.

Unfortunately, that's the cost of doing business. For "extra money", churning credit cards and bank accounts is far more profitable. (Typically an easy $200 for an hour of time.)

I'd put those old books in a recycle bin.
by ClevrChico
Tue Aug 21, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9636

Re: Landlord Nightmare

If you do business with the public enough, you will run into a young adult that is testing their boundaries and follows this pattern. In my experience, once they realize their tactics don't work, they quickly move on to bother someone else. The last time we responded how their mistake was their resp...
by ClevrChico
Sun Aug 19, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6646

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

I had a dentist do this for the amount they estimated I would be responsible for. And it was always more money than I owed after the insurance settled, resulting in a credit balance. I wouldn't get reimbursed for the credit balance until Q1 of the following year. He definitely lost patients over it.
by ClevrChico
Sat Aug 18, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 2197

Re: oil pan threads stripped - pan saver okay?

My frugal self with an old car might have the plug welded and use an oil extractor for future oil changes. +1 for an extractor. I've used the same Mityvac, on 4 different cars, since 1998. My DW's 2002 C240 was sold last weeks at 130k miles, and my current ride 2008 Vue is at 150k. Both were purcha...
by ClevrChico
Sat Aug 18, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 2197

Re: oil pan threads stripped - pan saver okay?

My frugal self with an old car might have the plug welded and use an oil extractor for future oil changes. +1 for an extractor. I've used the same Mityvac, on 4 different cars, since 1998. My DW's 2002 C240 was sold last weeks at 130k miles, and my current ride 2008 Vue is at 150k. Both were purcha...
by ClevrChico
Sat Aug 18, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8815

Re: Edward Jones rep door knocking

That happened here too. I told him that I'm a boglehead, he smiled and wished me a good evening. :-)
by ClevrChico
Fri Aug 17, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 2197

Re: oil pan threads stripped - pan saver okay?

My frugal self with an old car might have the plug welded and use an oil extractor for future oil changes.
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: 4957

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: