Search found 271 matches

by thewizzer
Sun Sep 23, 2018 5:11 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1863

Re: How do you define your success in our life, career and job?

truenorth418 wrote:
Sun Sep 23, 2018 3:17 am
Short and long term happiness. (as long as it doesn't hurt others)
This about sums it up.
by thewizzer
Sun Sep 23, 2018 2:55 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

Re: State Farm nickel-and-diming me

Secondly, thank you for clarifying that you didn't have collision coverage - and thanks to Rupert for asking the question. I've always had collision coverage, so much of your experience was as baffling to me as it was to many of the other posters. In my last accident sometime in the 90s (other driv...
by thewizzer
Fri Sep 21, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

Re: State Farm nickel-and-diming me

I might mention to the Star Farm adjuster that you’re starting to get a headache and you’re not sure if it’s from dealing with them or maybe it was caused by the accident and maybe you’re thinking of getting that checked out... Encouraging illegal behavior such as insurance fraud is against forum p...
by thewizzer
Fri Sep 21, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8826

Re: Physical Banking - Any benefits anymore?

My question is the exact opposite. Why bank strictly online? My local brick and mortar branch offers 2.5% interest on checking balances up to 25k (.7% above that). Also free checking, ATM fees reimbursed (up to $25 per month), and a handy phone app that allows me to deposit checks electronically. I...
by thewizzer
Fri Sep 21, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

Re: State Farm nickel-and-diming me

Does anyone have any direct experience filing a diminished value claim? I've done some reading, but I assume State Farm will likely just ignore me in the hope that I go away. I'm not sure if I should just bring it up over the phone, send them a certified letter, or what?
by thewizzer
Fri Sep 21, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8826

Re: Physical Banking - Any benefits anymore?

My question is the exact opposite. Why bank strictly online? My local brick and mortar branch offers 2.5% interest on checking balances up to 25k (.7% above that). Also free checking, ATM fees reimbursed (up to $25 per month), and a handy phone app that allows me to deposit checks electronically. I...
by thewizzer
Fri Sep 21, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

Re: State Farm nickel-and-diming me

Other people have had loved ones die in car crashes , your relative should look at the big picture. That is what we call hearsay, your honor. No, it is not heresay, it is a provable fact that folks have had loved ones die in car crashes, me included— although perhaps less relevant to getting repair...
by thewizzer
Fri Sep 21, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8826

Re: Physical Banking - Any benefits anymore?

My question is the exact opposite. Why bank strictly online? My local brick and mortar branch offers 2.5% interest on checking balances up to 25k (.7% above that). Also free checking, ATM fees reimbursed (up to $25 per month), and a handy phone app that allows me to deposit checks electronically. It...
by thewizzer
Thu Sep 20, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

Re: State Farm nickel-and-diming me

Personally I would just pay the $135. Actually I wish I could get wear and tear repaired on a bumper for $135. Since State Farm is being ornery, I’d be happy to send them (actually their insured, who is the actual defendant; Farm is just the defendant’s representative) a small claims notice for the...
by thewizzer
Wed Sep 19, 2018 12:15 am
Forum: Personal Finance (Not Investing)
Topic: What's the best early retirement strategy for us?
Replies: 39
Views: 3211

Re: What's the best early retirement strategy for us?

A quick search of the local bank mortgage rates show a 15 year fixed loan available at 4.125%. Knocking 1.75% off your mortgage rate could probably save a few bucks. Unfortunately you've probably already paid a whole lot of interest on your current mortgage.
by thewizzer
Tue Sep 18, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

Re: State Farm nickel-and-diming me

As a prior collision shop owner, I would normally work between the Insurance company and the owner to try and reach a compromise in the additional cost. Usually compromise is acceptable. I would get 45 more from the Insurance company, 45 from the owner, and throw in 45 of my own labor to come up wi...
by thewizzer
Tue Sep 18, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

Re: State Farm nickel-and-diming me

Unfortunately, this is pretty common. Until the investing website with the same name appeared, betterment was commonly applied to things like tires, batteries, UPD (un-repaired prior damage). The premise is that they are bettering the condition of your car compared to it's condition prior to the ac...
by thewizzer
Tue Sep 18, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

Re: State Farm nickel-and-diming me

Might consider just paying it, as you seem inclined to do, and if it makes you feel better, complain to the State insurance commissioner. Hey, thanks for the idea to look up the state insurance regulator! Totally forgot about that. I checked out their website and learned that legally, the insurance...
by thewizzer
Tue Sep 18, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

Re: State Farm nickel-and-diming me

Why are you getting involved? Your insurance company works with State Farm and tells them to fix it. I’ve had this problem severaltimes (all no-fault accidents involving the other party’s insurance) and after a few phone calls it gets resolved. No, my insurance company is not involved. We filed no ...
by thewizzer
Tue Sep 18, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

Re: State Farm nickel-and-diming me

I would Just pay the $135 and move on with life. If this were a significant cost then it might be worth fighting for. BTW - I have been dealing with an auto accident for 3 weeks and just got the approval from the other drivers insurance to cover the repair. I spent a ton of time to help push that d...
by thewizzer
Tue Sep 18, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

Re: State Farm nickel-and-diming me

Why are you getting involved? Your insurance company works with State Farm and tells them to fix it. I’ve had this problem severaltimes (all no-fault accidents involving the other party’s insurance) and after a few phone calls it gets resolved. No, my insurance company is not involved. We filed no ...
by thewizzer
Tue Sep 18, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5530

State Farm nickel-and-diming me

My wife got hit while she was driving about a month ago. The other driver was changing lanes on the interstate, didn't see my wife, and struck her front passenger side quarter panel and the edge of the front bumper. The other driver had State Farm insurance. We called, they admitted fault, and agree...
by thewizzer
Sun Sep 09, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Travel credit cards
Replies: 28
Views: 3003

Re: Travel credit cards

CSR is easily the best travel card out there. Additionally, if you’re looking for simplicity, you could ditch your other cards and also pick up the Chase Freedom and Chase Freedom unlimited cards as well. That trio of cards could cover pretty much all your spending and funnel all the rewards to a si...
by thewizzer
Sun Sep 09, 2018 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4273

Re: Switching Careers - From IT to Police Officer

17 years in myself. I started writing a long-winded response, but it got a bit too involved so I'll try to be brief. I've found it to be a rewarding career thus far. Make sure you're getting into it for the right reasons or you will burn out and become bitter. Although we all say that we 'do it to m...
by thewizzer
Sun Sep 09, 2018 4:57 am
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2218

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

14 Honda Odyssey. I've got a two-car pass at a local car wash that actually does a pretty decent job. Monthly cost of $37. I run it through about once a week or so. They have vacuums, towels, and cleaning supplies available for use, so I try to do that every other time or so. A clean car makes me fe...
by thewizzer
Wed Feb 21, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42076

Re: What UN-frugal thing do you do?

Eating out. Rarely expensive restaurants, mostly just $12-15 lunches, but I used to do that 4 times a week before my work schedule changed. I found it made a nice break in the middle of the day where I could go with co-workers and get a reprieve from talking about work related subjects (sometimes).
by thewizzer
Tue Feb 13, 2018 4:56 am
Forum: Investing - Help with Personal Investments
Topic: 457 PLAN
Replies: 13
Views: 1055

Re: 457 PLAN

I have a 457b through ICMA for my work as a municipal police officer. As others have noted, you can access the money upon separation. That's a big deal for public safety, because typically we retire at a younger age than most employees. Although I also have a Roth, I can't touch that without incurri...
by thewizzer
Sun Feb 11, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12553

Re: Single People and Retirement Question

Why are you assuming you will stay single? Is that your desire or are you just resigned to it?

It’s never too late to find love.
by thewizzer
Sun Feb 11, 2018 5:34 am
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 8878

Re: Does it ever make sense to buy a new car?

I quit crunching the numbers in my head when I got to the point in your post where you said you make 200k and already have 17k saved up.

Buy the new Camry. It’s not like you’re trying to justify purchasing a Maserati.
by thewizzer
Sun Feb 11, 2018 4:13 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan teaser rates lower than mortgage rates - arbitrage opportunity?
Replies: 13
Views: 1250

Re: Auto loan teaser rates lower than mortgage rates - arbitrage opportunity?

I’ve never heard of a bank allowing someone to cash out the equity on a car. Seems like a risky proposition for all involved parties, being that cars are generally a depreciating asset.
by thewizzer
Mon Feb 05, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 16291

Re: Financial Hole

If you just post rambling replies about payday loans, you're not going to get any help. I'm going to assume you're just trolling until you provide more info.
by thewizzer
Thu Dec 21, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: New Zealand Accomodations
Replies: 23
Views: 2196

Re: New Zealand Accomodations

I was only in Picton one day, but I remember it being quite small. Don't think you're going to find any 5 star hotels there. I stayed in a hostel, which sounds like it's out of the question. Very scenic area though!
by thewizzer
Wed May 20, 2015 11:05 am
Forum: Personal Consumer Issues
Topic: Any advice on handling frequent weekend getaways?
Replies: 14
Views: 2750

Re: Any advice on handling frequent weekend getaways?

I would think that based on what you describe, you would do well to join some hotel loyalty programs or get a co-branded hotel chain credit card.
by thewizzer
Wed Mar 25, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: 457(b) Question
Replies: 8
Views: 1007

Re: 457(b) Question

It's hard to offer advice without knowing the fee structure.
by thewizzer
Thu Mar 19, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 11383

Re: Children's Swingset

To be blunt, $4800 is a ridiculous price to pay for that swingset. I'm not being totally fair, because I'm not sure what area of the country you live in. With that being said, after just a quick glance at that particular set, I can tell you that it's not a quality set. The giveaway is that all the s...
by thewizzer
Sat Mar 07, 2015 5:03 pm
Forum: Personal Consumer Issues
Topic: Time of Use Electrical Rates
Replies: 22
Views: 2148

Re: Time of Use Electrical Rates

I live in the Midwest and I have participated in my electricity providers TOU metering program for the last 6 years. It works for us. However, your electricity consumption is very high. It's hard to say whether or not you would benefit without more information on your consumption patterns.
by thewizzer
Mon Mar 02, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 2772

Re: Father in law possible elder scam victim?

Merely taking a loan, even if the terms aren't favorable to the lender, isn't a scam. I think you're right to be suspicious, but I wouldn't jump to conclusions. You're absolutely correct. There isn't enough information provided to make a decision on whether or not any laws were broken. My above adv...
by thewizzer
Mon Mar 02, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 2772

Re: Father in law possible elder scam victim?

So you are going to pay a lawyer to draft a letter to scare them into paying? How much does this lawyer cost? Is it worth it for $7000? I don't know where you live, but where I'm from that's what the police do. In fact, I consider it one of my specialties :) Police can threaten arrest (if appropriat...
by thewizzer
Thu Feb 26, 2015 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have enough to retire at age 50?
Replies: 28
Views: 5464

Re: Do I have enough to retire at age 50?

I agree. That mortgage kind of puts a big kink in your plan, imho.
by thewizzer
Thu Feb 26, 2015 9:26 pm
Forum: Personal Consumer Issues
Topic: cold air from electric socket
Replies: 17
Views: 2594

Re: cold air from electric socket

You can get a 6 pack at Lowes for 2 bucks. They specifically state that they are flame retardant. I wouldn't bother with trying to make your own.
by thewizzer
Sun Feb 22, 2015 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 16940

Re: What age do you guys plan to retire?

June 23, 2031. Age 50 1/2 yrs old. That's the current plan, anyway
by thewizzer
Sat Feb 21, 2015 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to Denmark--a few questions
Replies: 9
Views: 1394

Re: Moving to Denmark--a few questions

dgdevil wrote: Also, make sure your US credit card (again, preferably, with no foreign fees) has a PIN arranged, or it will be useless in Denmark.
Unless something has changed in the last 2 years, this is incorrect. I had no issue using any of my regular credit cards while in Denmark.
by thewizzer
Tue Feb 17, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 729071

Re: TradingPlaces' advice on travel awards

I've heard about the RedCard. I might look into that further. I will admit though that I'm not entirely comfortable quite yet with the whole manufactured spending strategy. Although as soon as I say this, I read this http://frequentmiler.boardingarea.com/2015/02/16/redbird-to-be-rolled-out-nationwi...
by thewizzer
Tue Feb 17, 2015 9:22 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 729071

Re: TradingPlaces' advice on travel awards

Great thread. I'm just starting to try to wrap my head around frequent flyer miles. This stuff seems complicated, and I just don't know if it's worth it for me. I don't travel for work, and I have only been taking an annual trip to Europe for the past couple of years (although I am going twice in t...
by thewizzer
Mon Feb 16, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 729071

Re: TradingPlaces' advice on travel awards

Great thread. I'm just starting to try to wrap my head around frequent flyer miles. This stuff seems complicated, and I just don't know if it's worth it for me. I don't travel for work, and I have only been taking an annual trip to Europe for the past couple of years (although I am going twice in th...
by thewizzer
Mon Feb 09, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 106683

Re: Mr. Money Mustache: Hero or Foolish?

I always find it interesting on how this particular subject evokes such a strong response out of people. The detractors are to be expected, but the really interesting part (at least for me) is how his followers are so rabid in their defense of the man.
by thewizzer
Sun Feb 08, 2015 11:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3819
Views: 1078803

Re: What Movie Have You Recently Watched?

The SpongeBob Movie: Sponge Out of Water.

I fell asleep.
by thewizzer
Tue Feb 03, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 9077

Re: Time to stop driving for 85 yo MIL

blevine wrote:Thanks all for your input.
Any update? Is she still planning on buying that new car?
by thewizzer
Sat Jan 31, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3751

Re: What to see in Istanbul

Without a doubt, Istanbul is our favorite destination city, bar none. There is more to see there, the history is fascinating, the people are friendly, and the food is marvelous. There must be more places to eat there than the rest of the world put together ( :wink: ). The big sites have been mentio...
by thewizzer
Sat Jan 31, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3751

Re: What to see in Istanbul

Are you going to other parts of Turkey like Gallipoli or Ephesus? Although now that I look at the map, I suppose Gallipoli would be a pretty awesome day trip! I still have a valid IDP. Any thoughts on renting a car in Turkey? What side of the road do they drive on? I drove through Romania last year...
by thewizzer
Sat Jan 31, 2015 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 28716

Re: How to respond when someone asks how much money you make

It's funny that it's a social faux pas for regular folks like us to know how much our colleagues make; however, many experts blame large executive pay precisely because they know how much other executives at rivals make, and they use it as leverage for higher pay. For example, the CFO at the very p...
by thewizzer
Fri Jan 30, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3751

Re: What to see in Istanbul

Are you going to other parts of Turkey like Gallipoli or Ephesus? Although now that I look at the map, I suppose Gallipoli would be a pretty awesome day trip! I still have a valid IDP. Any thoughts on renting a car in Turkey? What side of the road do they drive on? I drove through Romania last year...
by thewizzer
Fri Jan 30, 2015 10:35 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3751

Re: What to see in Istanbul

You'll be fine. Turkey is huge. I actually really wanted to go to the eastern part. I wanted to see Van in the lake district. Unfortunately it got hit really hard by a horrible earthquake. I'd like to also see Mt. Ararat. Probably not the time to go to the eastern part with the troubles with Syria ...
by thewizzer
Fri Jan 30, 2015 9:41 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3751

Re: What to see in Istanbul

Thanks all for the replies. I didn't mention it at first, but my parents are going with me. They are both history buffs, so we shouldn't be at a loss for things to see or do. I must admit that there's a small piece of me that's a bit concerned regarding the current state of affairs regarding the reg...