Search found 1022 matches

by FireSekr
Mon Oct 14, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sign authorization to settle lawsuit prior to mediation/trial
Replies: 7
Views: 563

Re: Should I sign authorization to settle lawsuit prior to mediation/trial

Ask your lawyer what happens if you don't sign it. Then you can decide to sign it or not. The advise to ask your lawyer seems quite reasonable. The request came via email a short while ago so I haven't had the chance to ask yet, but I will tomorrow. Just wanted to make sure I wasn't missing anythin...
by FireSekr
Mon Oct 14, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sign authorization to settle lawsuit prior to mediation/trial
Replies: 7
Views: 563

Re: Should I sign authorization to settle lawsuit prior to mediation/trial

The general rule is that a party on each side has to be present with settlement authority. Can you just attend in person? I wouldn’t sign anything nor let your attorney go to the mediation without you there. Yes, I will be at the mediation in person which is why I don't understand the point of the ...
by FireSekr
Mon Oct 14, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sign authorization to settle lawsuit prior to mediation/trial
Replies: 7
Views: 563

Should I sign authorization to settle lawsuit prior to mediation/trial

I'm the plaintiff in a personal injury lawsuit and my case is going to mediation shortly. My lawyer asked me to sign an "Authorization and Instruction to Settle" authorizing him to settle for a minimum figure, but I don't feel comfortable signing the authorization. To be clear, the mediation has not...
by FireSekr
Fri Sep 20, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 256
Views: 20659

Re: IT compensation comparison

The long hours trope is not true. In some places? Yes. In all of these companies? Not remotely. I work for one of these companies and in four years have never worked more than 40 hours a week. Agreed. I don’t work in one of those companies, I’m at a late stage startup making higher than the comp me...
by FireSekr
Thu Sep 19, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 33
Views: 2874

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

For a nice balance between quality, design, and value, try Room & Board. I've had a few pieces from Crate and Barrel and liked them, but can't speak to that sofa in particular. I will say that the Room and Board furniture I have is better quality and lower price than Crate and Barrel. You might als...
by FireSekr
Thu Sep 19, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 33
Views: 2874

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

West Elm is Ikea quality at significantly higher prices. For a nice balance between quality, design, and value, try Room & Board. I've had a few pieces from Crate and Barrel and liked them, but can't speak to that sofa in particular. I will say that the Room and Board furniture I have is better qual...
by FireSekr
Wed Sep 18, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2291

Re: Blue Apron for a sick friend?

I don't like cooking and I had surgery a few months back. For the first two weeks I wouldn't have wanted to cook anything at all, but later in my recovery, I did start cooking occasionally using something similar to Blue Apron called Hello Fresh. I have tried Blue Apron before my surgery, and it was...
by FireSekr
Mon Sep 16, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 58
Views: 8971

Re: 2019 Subaru Forester Vs. 2019 Rav 4

5 years and 80k miles isn’t much for a modern car. Spending $25-35k to replace something that is working well and meets you needs is not only financially wasteful but it’s not good for the environment. The energy and materials used to build a car put out more emissions than the car will put out ove...
by FireSekr
Sun Sep 15, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8728

Re: Do You Tip At Counter Service Restaurants?

I just click $0. I feel no shame
by FireSekr
Sat Sep 14, 2019 6:05 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 8649

Re: How old is your cellphone?

Once the security updates are unavailable I upgrade. With so much information on our phones and the potential exploits on dated software, the risk is far greater than spending $1k on a new iPhone. Currently using a Xs and plan on keeping it until it breaks or updates are no longer available.
by FireSekr
Mon Sep 09, 2019 4:25 am
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3555

Re: Going desktop-less?

Why have so many posters mentioned concerns about the computer being stolen? If your laptop/desktop is encrypted as every computer should be, it doesn’t matter if it’s stolen, none of the data would be usable. And I don’t buy the concept that a desktop is harder to steal than a laptop. It’s easy to ...
by FireSekr
Mon Sep 02, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Help With New Car Purchase - Macan S versus...
Replies: 57
Views: 4923

Re: Help With New Car Purchase - Macan S versus...

Do you need 2 SUVs? Why not take a look at the new BMW 330i and M340i for your wife? You can get oyster (white) or cognac (sort of orangish brown) interior, it’s moderately entertaining to drive, and has very advanced self driving capabilities if you’d like that (you don’t need to keep your hands on...
by FireSekr
Wed Aug 28, 2019 11:55 pm
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3281

Re: Laser or inkjet

Do you print enough at home for it to make sense? Can’t you just use your phone for passes and such? If you need to print the B&W laser is the way to go, but ask whether you need to print at all. I don’t have space for a printer and worried that I’d need one, but in the 2.5 years since downsizing my...
by FireSekr
Wed Aug 28, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase a $30k car?
Replies: 112
Views: 7656

Re: Should I purchase a $30k car?

I would lease BMW, Audi and buy Toyota Honda. Makes sense Not really...google the oil dilution problem on Honda's 1.5 turbo engine. BMW's B58 inline 6 and B48 inline 4 are much more robust and don't have issues like that. There's a reason why Toyota engineers wanted BMWs B58 engine for the Supra, a...
by FireSekr
Wed Aug 28, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase a $30k car?
Replies: 112
Views: 7656

Re: Should I purchase a $30k car?

Ignore the posters on this form who claim that BMW is horrible to maintain and unreliable. Yep, do your own research... https://repairpal.com/reliability/bmw https://repairpal.com/reliability/lexus Lexus is just a piece of junk front wheel drive Toyota with leather seats. Sure it’s more reliable th...
by FireSekr
Wed Aug 28, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Your best deal from Craigslist
Replies: 34
Views: 2363

Re: Your best deal from Craigslist

Bought a 55" Panasonic Plasma for $50. One of the boards was fried so I sent it to a place on eBay and had the board fixed for $80. The guy who I bought the tv from was amazed I fixed it and offered to buy it back for $400, but I've been happily using it for the last 3 years.
by FireSekr
Tue Aug 27, 2019 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase a $30k car?
Replies: 112
Views: 7656

Re: Should I purchase a $30k car?

probably a 10% higher long term repair cost for the BMW vs the Toyota. You made my day, this is the funniest thing I've read this year. I'm in such a good mood now, I think I'll go have my BMW walnut blasted tomorrow. If you were unfortunate enough to get an N54 I’m sorry, but in all fairness they ...
by FireSekr
Tue Aug 27, 2019 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase a $30k car?
Replies: 112
Views: 7656

Re: Should I purchase a $30k car?

Ignore the posters on this form who claim that BMW is horrible to maintain and unreliable. Yep, do your own research... https://repairpal.com/reliability/bmw https://repairpal.com/reliability/lexus Lexus is just a piece of junk front wheel drive Toyota with leather seats. Sure it’s more reliable th...
by FireSekr
Tue Aug 27, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase a $30k car?
Replies: 112
Views: 7656

Re: Should I purchase a $30k car?

You really aren't buying a 30K car. You are buying a 30K + Prior Lease Payments car. This is not relevant in any way. The lease decision was already made. To buy it or not is a completely new decision. I disagree. You already paid for part of the car (that is now worthless), and are essentially pay...
by FireSekr
Tue Aug 27, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Best method for handling work task list and note taking?
Replies: 28
Views: 2023

Re: Best method for handling work task list and note taking?

Not the OP here, but thank you everyone for your replies thus far. This is something I always struggle with and it seems nobody really has a perfect system so I should stop beating myself up over it. Another trend I'm seeing is that most posters have a preference for pen and paper. I have tried taki...
by FireSekr
Tue Aug 27, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase a $30k car?
Replies: 112
Views: 7656

Re: Should I purchase a $30k car?

You can definitely afford it and it's a good car. Ignore the posters on this form who claim that BMW is horrible to maintain and unreliable. They will also tell you how reliable Honda is despite being below average in the last few long term reliability studies while BMW was ranked 6 or 7th. Whether ...
by FireSekr
Tue Aug 27, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 93
Views: 8544

Re: Acura RDX vs Audi Q5

Try the X5 or the 5 series with the multi-contour seat option or luxury seating package which includes the multi-contour seats. Those seats are significantly better than the x3, 3 series, or standard x5 and 5 series seats. I have serious back issues and after test driving many different cars found ...
by FireSekr
Tue Aug 27, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Billing Dispute/High Spender/WWYD - RESOLVED
Replies: 36
Views: 4159

Re: Credit Card Billing Dispute/High Spender/WWYD

Thanks. We only take 1-2 trips a year but this will increase as kids get older. Amex for protections and Chase as alternative to BoA. Will wait and see how resolution goes, and never use a travel agent again/always DIY vacations. No...you got it backwards...Chase Sapphire Reserve for travel protect...
by FireSekr
Tue Aug 27, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 93
Views: 8544

Re: Acura RDX vs Audi Q5

To the OP, Did you make a decision? We were driving all the choices this past weekend and plan on buying something very soon. We are looking at top trim line for the most part. Heads up display, all the safety features, etc... This is my wife's first true luxury car, but we alway bought top-trim Ho...
by FireSekr
Tue Aug 27, 2019 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Billing Dispute/High Spender/WWYD - RESOLVED
Replies: 36
Views: 4159

Re: Credit Card Billing Dispute/High Spender/WWYD

Amex customer service is miles and miles ahead of Bank Of America. Their dispute resolution is near instantaneous and their representatives are friendly and have the power to actually fix things rather than tell you to sit on your hands and wait for 6 weeks. I’d rank Chase’s customer service a very ...
by FireSekr
Tue Aug 27, 2019 6:46 am
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV? UPDATE
Replies: 53
Views: 4180

Re: Honda CRV, Accord, or Toyota RAV? UPDATE

If she has t tried the accord or the civic she should. They both drive significantly better than the HRV and CRV, are quieter, smoother, and more efficient. The only downside may be that they are lower and the HRV and CRV could be easier for her to get into, but once she’s in, the Civic and Accord a...
by FireSekr
Mon Aug 26, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8327

Re: Coffee becomes cold too soon

The best insulated mugs I've ever had are from Yeti. I use them for everything from hot coffee to ice coffee and they keep the temps longer than any other mug I've used. They've got a ton of options.

https://www.yeti.com/en_US/mugs
by FireSekr
Mon Aug 26, 2019 1:44 am
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 3524

Re: Another car affordability question, YOLO vs. extreme FI

You can get a used/CPO 2016 BMW M2 for about $45k which is more fun, faster, more reliable and better looking and you’re still considering basically a FWD with AWD added on clown car for $46k? And I’ll echo what others are saying here...with only $100k saved at 34, your retirement goal of 50 seems e...
by FireSekr
Sun Aug 25, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2777

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

Drop it but also price shop other providers. Last year my insurance company was the cheapest. Last week I checked rates again and found I’m paying 50-70 a month more than what other carriers charge for the same coverage.
by FireSekr
Fri Aug 23, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: LG oled C9 or LGSk8000 for now
Replies: 17
Views: 955

Re: LG oled C9 or LGSk8000 for now

Go with OLED. The prices drop after Black Friday, but if you don’t mind going grey market, Newegg has the 65 c9 for around 2.1k. My dad got the 65 c8 a few months ago from Costco for around $1.8k including the square trade extended warranty
by FireSekr
Thu Aug 22, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: First time traveling to Seattle this weekend. Advice?
Replies: 35
Views: 2017

Re: First time traveling to Seattle this weekend. Advice?

If you like sushi, a visit to sushi kashiba is a must. It’ll make it very hard for you to eat sushi again in. NYC. It’s also not that expensive. , the owner/chef trained with Jiro, who is considered to be the best sushi chef in the world and is the subject of the Netflix special Jiro dreams of sush...
by FireSekr
Thu Aug 22, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: First time traveling to Seattle this weekend. Advice?
Replies: 35
Views: 2017

Re: First time traveling to Seattle this weekend. Advice?

If you like sushi, a visit to sushi kashiba is a must. It’ll make it very hard for you to eat sushi again in. NYC. It’s also not that expensive. , the owner/chef trained with Jiro, who is considered to be the best sushi chef in the world and is the subject of the Netflix special Jiro dreams of sushi.
by FireSekr
Sun Aug 18, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Go for new job (more pay but travel) or stay?
Replies: 65
Views: 3746

Re: Go for new job (more pay but travel) or stay?

I would take the role. Your company’s travel policy is reasonable which tells me they care enough about their employees to try to make the travel more comfortable for them. Since getting a director level role is so challenging st your company, you may never have the chance again. If you take the po...
by FireSekr
Sun Aug 18, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 6379

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

. Pressure on a business model can come from several places. Usually it comes from someone who has the power to say "no more." That's not the debtor, that's you. The debtor is owned by the lender and can't apply pressure on the business model. Which is by design. Or, the debtor can apply pressure o...
by FireSekr
Sun Aug 18, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Go for new job (more pay but travel) or stay?
Replies: 65
Views: 3746

Re: Go for new job (more pay but travel) or stay?

I would take the role. Your company’s travel policy is reasonable which tells me they care enough about their employees to try to make the travel more comfortable for them. Since getting a director level role is so challenging st your company, you may never have the chance again. If you take the pos...
by FireSekr
Sat Aug 17, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 108
Views: 13961

Re: Anyone retire in their 30s?

I was feeling that way for the last year or two, until I got a job working at a startup. It’s not a small company at this point, but it’s still in a high growth phase and I believe in the product and the people. It has reinvigorated my motivation and I’m much happier in my new role than I was at my ...
by FireSekr
Thu Aug 15, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 8805

Re: Beyond Meat Burger? Do you like?

It’s a complete scam. Only fake people in california who want to make it appear as if they are doing good for the environment will buy them to show off to the world that they’re eco friendly, ignoring the terribly harmful packaging and making excuses for the terrible taste. I love vegetarian food bu...
by FireSekr
Tue Aug 13, 2019 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5660

Re: "Negotiating" Salary

I'm a senior director, although I hire individuals anywhere from 21yr old just finished undergrads to 40yr old PhD scientists, I'm the only individual in my department making $100k+. I don't know what conservative business you are in, but having senior PhD scientists all earning less than $100k is ...
by FireSekr
Fri Aug 09, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Received a $17,000 medical bill! Can we negotiate?
Replies: 91
Views: 9890

Re: Received a $17,000 medical bill! Can we negotiate?

Everything is negotiable. I had a very similar situation with a surgery and got them to cut the bill by 60%. I didn’t even put much effort into negotiating, I just told them that the bill was a lot higher than I could afford and was not expecting it and asked them if there was anything g they could ...
by FireSekr
Fri Aug 09, 2019 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8169

Re: No pay increase but increase in responsibility

Of course they won’t offer you additional compensation. But if you are direct and ask for a little bit of an increase they’ll try to work with you. Simply ask, the worst that can happen is they say they can’t do it, but they won’t voluntarily offer you more money unless you ask for it.
by FireSekr
Fri Aug 09, 2019 9:51 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 10559

Re: Ponder this, BH's... is Ben & Jerry's worth it?

$5 is such a minuscule amount relative to my income or worth. It’s not worth thinking twice. Sure there may be better ice cream brands or better values, but if you enjoy Ben and jerry it’s not worth over thinking, just buy it. Anytime I see phish food I throw it in the shopping cart. Life is too sho...
by FireSekr
Tue Aug 06, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?
Replies: 58
Views: 5300

Re: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?

Investing the money and earning a higher rate of return sounds easy but it really is not as easy as it sounds because you have a large "sequence of returns risk" Watty, you are right that if you focus on the $300K investment account being drawn down for mortgage payments, there is more sequence of ...
by FireSekr
Tue Aug 06, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?
Replies: 58
Views: 5300

Re: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?

Interest rates are low right now somewhere around 4% Both you and your wife have extremely stable jobs with pensions In all likelihood, an s&p index fund will return >4% per year. It would be a very fringe case to have a lower return than that over a 30 year horizon probably less than 5% chance of t...
by FireSekr
Tue Aug 06, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Are you getting rid of your gas appliances?
Replies: 43
Views: 3134

Re: Are you getting rid of your gas appliances?

If your current appliances are working fine, then you’re doing more environmental harm by needlessly replacing them with new appliances. The energy impact of manufacturing and transporting the new appliances are greater than the energy/emission savings the new electric appliances will save over thei...
by FireSekr
Tue Aug 06, 2019 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Annual review was disappointing, what should I do next?
Replies: 45
Views: 5451

Re: Annual review was disappointing, what should I do next?

But the OP wants a mentor?! Really? @ $130k? Get real. I know several c level execs at Fortune 500 corporations who have mentors and find the mentorship crucial to their growth and development. If you seriously think someone doesn’t need mentor ship because they make $130k, no wonder why you think ...
by FireSekr
Sun Aug 04, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 11195

Re: Insane to buy a sports car?

A Honda Civic Si (25K) a VW Golf GTI (25K) a Mazda Miata ((30K) all these are sporty car within 30k budget Those are sporty. Those are NOT sports cars. Name your idea of a sports car under 30K then, and I'll list the many ways those first 2 outperform whatever you pick. (I'm not defending the Miata...
by FireSekr
Sat Aug 03, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 131
Views: 23252

Re: Do you rent even if you can afford to buy?

I also tell my kids not to buy heavy 'heirloom' furniture for the same reasons. Buy something cheap that you can sell on craigslist so you don't have to move a bunch of stuff. I wish I knew this before my girlfriend and I got our first apartment together. Her parents gave us some old solid wood fur...
by FireSekr
Wed Jul 31, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 42
Views: 3816

Re: Which car to buy?

You don’t need AWD, you need snow tires. AWD helps you accelerate, it does not improve your handling or braking. Good snow tires on any car will improve acceleration braking and handling significantly over a car with all (aka no)-season tires. Nokia. Halapilettia are the best snow tires you can get....
by FireSekr
Mon Jul 29, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: HSA - How to organize files and receipts
Replies: 7
Views: 963

Re: HSA - How to organize files and receipts

Thanks for the insights, guess I was overthinking it
by FireSekr
Sun Jul 28, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Pistachio and Salmon?
Replies: 30
Views: 3084

Re: Best place to buy Pistachio and Salmon?

A few weeks ago our local Costcos had wild Copper River salmon on sale for $9.99/lb. I bought several packages and we had one for dinner that night, and froze the others to eat in the next couple of months. It seems they have sales on different varieties of wild salmon a few times a year for about ...