Search found 994 matches

by ClevrChico
Fri Nov 17, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 67
Views: 3814

Re: My dad's army jacket

My dad was wearing an outdoor surplus camo jacket while doing outdoor labor. Not a uniform, just the jacket. It was sterile, except for two black pins that were left on it from the seller, and it was barely noticeable. A man completely lost his cool and nearly assaulted my dad over it. I think your ...
by ClevrChico
Wed Nov 15, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4341

Re: Fair way to split expenses?

I recommend a free app called SplitWise, which is designed to track this effortlessly. There's no need for a joint account, as you can periodically settle the balance, and record it in the app. Keep it simple. https://www.splitwise.com/ We've used this on road trips with friends, but to use this ev...
by ClevrChico
Wed Nov 15, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4341

Re: Fair way to split expenses?

I recommend a free app called SplitWise, which is designed to track this effortlessly. There's no need for a joint account, as you can periodically settle the balance, and record it in the app. Keep it simple.

https://www.splitwise.com/
by ClevrChico
Wed Nov 15, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 36
Views: 1824

Re: Office Chair Recommendations (Aeron?)

I love my Aeron chair. As others said, get the right size for you. :-)
by ClevrChico
Tue Nov 14, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 53
Views: 2451

Re: Michelin or Bridgestone?

I have Michelin Premier, and they are excellent! They are by far my favorite all time tire. The wet weather handling is superb. It made a huge difference with my car. Since I had the new tires installed, I now realize how much wet weather driving I do. Considering I'll have them for years, it's defi...
by ClevrChico
Sun Nov 12, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 165
Views: 13018

Re: Why pay cash for a car?

Paying cash makes the transaction simpler, and you can spend your energy getting the best deal. Also, full insurance coverage with low deductibles will likely be required by the lender. If you pay cash, insurance coverage levels are your decision.
by ClevrChico
Sun Nov 12, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Unnecessary Corporate Meetings
Replies: 25
Views: 1867

Re: Unnecessary Corporate Meetings

I have a common name, and I was mistakenly invited to a meeting. We gave each other curious looks before meeting, but the meeting started before the mistake was caught. :-) OP, you are not crazy. Maybe meetings are a corporate social event? If it's a way to confirm support of a project, visit, and g...
by ClevrChico
Sat Nov 11, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6330

Re: Do you meditate?

Riding a bike is my form of meditation. Nothing clears my mind like a bike ride.
by ClevrChico
Sat Nov 11, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10205

Re: Tipping for restaurants where you order at the counter

There's a #4 variation which I see at Asian restaurants. - Full service, but PAY at the counter. I give a traditional tip in that situation.

I also typically tip 10% at buffets if the waitstaff was good.

But for counter service? No.
by ClevrChico
Sat Nov 11, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2374

Re: PayPal alternative?

TravelforFun wrote:
Fri Nov 10, 2017 12:38 pm
I use Facebook payments a lot.

TravelforFun
++ Nearly everyone has Facebook and it offers free friend to friend payments.
by ClevrChico
Fri Nov 10, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 135
Views: 8348

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I did that as a teenager until parents warned me that kids would make fun of me. I should have stuck to it. My classmates could have cared.
by ClevrChico
Wed Nov 08, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4761

Re: What do you do to keep your mind sharp?

German car repair.
by ClevrChico
Tue Nov 07, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: Furnace Issues
Replies: 30
Views: 1796

Re: Furnace Issues

I had similar issues when the utility company wasn't providing enough voltage to the house. If I was drawing other load in the house, there wouldn't be enough voltage for the igniter to get hot enough. The utility company refused to come to the house without a request from a licensed electrician. Th...
by ClevrChico
Tue Nov 07, 2017 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Anybody using Vanguard Managed Payout?
Replies: 7
Views: 1041

Re: Anybody using Vanguard Managed Payout?

I have an older family member that uses this as their only Vanguard account. Two thirds of their savings is in annuities and very conservative. (Not my decision.) 1/3 is in Vanguard Managed Payout. They have used monthly budgeting their entire life, so it's a great fit. Combine that with the auto pi...
by ClevrChico
Sun Nov 05, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4719

Re: "Probably the World's Best Investment Forum"

++ Definitely!

++ Thank you, moderators.
by ClevrChico
Sun Nov 05, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3120

Re: bidets

I recently got a bidet add on from Amazon after reading endorsements on another forum. It's pretty awesome, I have to say. Does anyone else here use one? I got a Luxe Bidet Neo 185, which has male/female nozzles but only cold water. Pretty basic. Wondering what other features other BHs recommend or...
by ClevrChico
Sun Nov 05, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7528

Re: Does Retirement Make You Lazier?

I think it comes down to personal motivation, regardless if you're working full time or not. For me, setting goals and tracking progress is a big help to get out of a lazy routine. (Lose x amount of weight, read y number of books, learn z skill.) There's an entire forum on reddit dedicated to motiva...
by ClevrChico
Sat Nov 04, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5171

Re: No true pay as you go [cellphone plan]

We're very happy with Tello. No contract and you can mix/match what you want.

We pay $9/month for 500 MB of data. After 500 MB is used up, it goes to free unlimited low speed data. It's fast enough for Google maps and messaging.

$9/month for unlimited data is pretty great.
by ClevrChico
Sat Nov 04, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on buying a car wash? Good investment or is there a catch?
Replies: 46
Views: 4011

Re: What are your thoughts on buying a car wash? Good investment or is there a catch?

Car ownership could be disrupted in the future. Will car washes become obsolete?
by ClevrChico
Sat Nov 04, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 4627

Re: This is why I'm glad I started investing at 23

I do like parking my humble car in "muscle car row" or "luxury car row" at work and checking out what big money buys. :-) This!! ^^^^ I used to really enjoy parking my 15+ year old small pickup next to the Lexus's and other new vehicles driven by those who worked for me at Megacorp. They thought I ...
by ClevrChico
Sat Nov 04, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 4627

Re: This is why I'm glad I started investing at 23

I started inverting early also, but i take s different view. I am sometimes the beneficiary of an unfortunate state in which there are people at work who can't understand the politics or how to support the corporate mission. This way, those of us that understand how to move the company forward, are...
by ClevrChico
Fri Nov 03, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 4627

Re: This is why I'm glad I started investing at 23

I completely agree. DS and I had this same conversation this week. Putting so much effort into tax inefficient, W2-income when you're already mid-career is a fool's game. Is it worth working 2X or 3X as hard to net an extra $1k/month? (That's about all I could realistically grow my income with reall...
by ClevrChico
Thu Nov 02, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 55
Views: 5942

Re: Mouse In Apartment

A few dollars worth of snap traps has always quickly taken care of the problem for me.
by ClevrChico
Wed Nov 01, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Carmax, Junk Yard, Auction?
Replies: 17
Views: 1491

Re: Carmax, Junk Yard, Auction?

Craigslist to get most money. Junkyard for least amount of hassle.

The last boat of a car that was donated to our charity netted the charity $25. The donation service/yard kept the rest. If you want to help a charity, donate cash.
by ClevrChico
Tue Oct 31, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 47
Views: 4168

Re: Interesting twist to "Free 2-day shipping" at Walmart

I converted from Amazon to Wal-Mart online, but Wal-Mart makes things very confusing. Some of the items are store only, which I haven't noticed until checkout. I'm not spending an hour in my car to pick up a $1 item that's store only if I'm shopping online. They also offer tiny discounts per item if...
by ClevrChico
Sun Oct 29, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 115
Views: 25279

Re: Vanguard's new security key option

I wish Flagship customers would be given a free or discounted YubiKey.
by ClevrChico
Sun Oct 29, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12099

Re: Request for Promotion letter to Senior Management

The most successful approach I've seen taken is for the employee to warn management that they are going to leave the org without a promotion. You may want to try that approach if the letter doesn't work. You may be told "good luck" as happened it my case. :annoyed I did end up leaving the department...
by ClevrChico
Sat Oct 28, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18534

Re: Early-retired 35 year old with $1 million

For me, $75k sitting in cash is too much . See: https://www.bogleheads.org/wiki/Emergency_fund With an extremely low income, I'd tax gain harvest living expenses, rebalancing my portfolio along the way. The house seems over the top, due to taxes and maintenance, but maybe you really like it. I don't...
by ClevrChico
Sat Oct 28, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Repair (new engine) 2005 Mazda 3?
Replies: 26
Views: 1294

Re: Repair (new engine) 2005 Mazda 3?

Given the circumstances, financially either decision is fine. I'd do what you want to do.

If you decide to sell, you could probably get $2k+ on craigslist in the current condition. A shadetree mechanic would love to buy something like this and DIY the repair.
by ClevrChico
Sat Oct 28, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 5557

Re: Index investing is boring

I agree. It's so boring that I have to remind myself how much index investing is returning per month to keep things in perspective. For example, I was considering applying for a job that would be a promotion. It would be a big reach, and I might be working 2x or 3x initially. I calculated the net ta...
by ClevrChico
Sun Oct 22, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5161

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

capsaicinguy wrote:
Sun Oct 22, 2017 9:26 am
II'd love to see someone try to fit a double B.O.B. stroller in the back of a 911. :D
LOL, there's always roof racks for the 911! I'd love to see a stroller on top of a 911! The sure sign of being a dad. :happy
by ClevrChico
Sun Oct 22, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5161

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

As I start to grow older and my wife and I start to focus on starting a family next year, I'm starting to "mature" in my car taste I feel. Whatever you get, understand it will take a beating from the kiddos. Carseats tend to leave wear marks, kids get crumbs *everywhere*, and dw left a diaper under...
by ClevrChico
Sat Oct 21, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: just hit the two comma club today...some thoughts
Replies: 37
Views: 5592

Re: just hit the two comma club today...some thoughts

Congrats! Awesome work! We've had a setback or two, but discipline wins in the end!

Our most popular restaurant outing is splitting a subway sandwich too. :-)
by ClevrChico
Sat Oct 21, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Questions for Landlords - How clean is clean?
Replies: 37
Views: 2232

Re: Questions for Landlords - How clean is clean?

If you want revenge, PM me the contact info for this person, and I'll take my kids there for vacation. She will lose her mind! :-)
by ClevrChico
Thu Oct 19, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10689

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: 135
Views: 10689

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: 135
Views: 10689

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: 3931

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: 1661

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: 130
Views: 7246

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: 37
Views: 2242

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: 37
Views: 2242

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: 2905

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: 37
Views: 2242

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: 108
Views: 7419

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: 2710

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: 15056

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: 2461

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: 7503

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...