Search found 810 matches

by random_walker_77
Mon Nov 11, 2019 11:55 pm
Forum: Personal Consumer Issues
Topic: Water hammer
Replies: 27
Views: 2110

Re: Water hammer

Water hammer happens at my house when a device that uses substantial flow suddenly shuts off the water. For me, that's the toilet and the laundry machine. Normally, there's no water hammer because of the air cushions built into the pipes, but after a while, the air dissolves into the water and then ...
by random_walker_77
Sun Nov 10, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 24
Views: 2430

Re: Fruit Fly Problem

I'd recommend getting one of these, and turning them on in the evening when you're done for the day. Just remember, don't look at the UV light, as it's not good for your eyes. https://www.amazon.com/Aspectek-UPGRADED-Electronic-Zapper-Insect/dp/B01LWLFB5U/ref=pd_cp_86_1/138-4838555-4126000?_encoding...
by random_walker_77
Sat Nov 09, 2019 12:02 am
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3974

shocking hospital fee estimate

So, we're just about to have a scheduled surgery, using an in-network doctor, in-network hospital, and in-network anesthesiologists. We found out that the hospital fee for the surgery at insurance-negotiated rates is $90K. Our PPO has a 10% co-insurance, which means we'd owe $9K, except that our out...
by random_walker_77
Thu Oct 31, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: [Just got married] Looking for ways to cut down on my budget
Replies: 80
Views: 6420

Re: [Just got married] Looking for ways to cut down on my budget

I agree w/ ivygirl. Also, do consider that you're saving more than you think you are. Your husband is paying off ~$15k/yr in interest, but the rest of loan balance repayment can be thought of as equivalent to savings. On a 15yr mortgage, a greater percentage of that payment is towards principal repa...
by random_walker_77
Thu Oct 31, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Timeshare offer experience
Replies: 103
Views: 10201

Re: Timeshare offer experience

Lowest price I was offered was $19k for a studio every other year. Plus annual maintenance. The resale offer is actually not a bad deal, if you were going to go to the resort regularly anyway and needed the space. $3,000 in maintenance fees divided by seven nights is $428/night. A two bedroom unit ...
by random_walker_77
Wed Oct 30, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Timeshare offer experience
Replies: 103
Views: 10201

Re: Timeshare offer experience

If you ever need help inoculating against buying such a timeshare, look up what they've recently sold for on ebay. (There are also sites that specialize in timeshare resales -- forget what it's called, but think it's something like timeshare users group.) For ebay, if you're logged in, you can searc...
by random_walker_77
Sat Oct 26, 2019 1:12 pm
Forum: Personal Investments
Topic: need your wise advice about what to do next in my life
Replies: 24
Views: 3196

Re: need your wise advice about what to do next in my life

Congrats OP, that's pretty impressive. Like the others, if I were you, I'd be interested in diversifying so that my net worth isn't so strongly tied to LA-area real estate. I'd also share concerns to be careful about leverage -- make sure you have enough liquid assets (i.e. emergency fund) to stay a...
by random_walker_77
Fri Oct 25, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Billing Question: what's a "long" doctor's visit?
Replies: 25
Views: 2832

Re: Urgent Care Billing Question: what's a "long" doctor's visit?

I once semi-randomly came across these 2 articles that are still in my search history: 1) article about billing emphasizing the importance of coding accurately to avoid audits, fines, and worst-case fraud charges: https://www.medicaleconomics.com/modern-medicine-now/doctors-guide-em-coding 2) lectur...
by random_walker_77
Thu Oct 24, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Another how much mortgage can I afford post.
Replies: 34
Views: 2564

Re: Another how much mortgage can I afford post.

You say your job is stable -- how stable is the income level? Does that $400K depend on a bonus, or on stock market performance (i.e. RSUs)? If it's truly stable at 400K, I don't see any concerns with borrowing 800K. Borrowing 2x gross income is no big deal, given minimal other debts. The mortgage w...
by random_walker_77
Wed Oct 16, 2019 10:53 pm
Forum: Personal Consumer Issues
Topic: Toyota Extended Warranty
Replies: 13
Views: 1070

Re: Toyota Extended Warranty

This thread is interesting, as I didn't know you could buy later, and from a dealer in another state. Just as another datapoint, when I bought a Camry Hybrid last March (~ $26.3K), the finance person did a hard sell on their extended warranty. The first price was $2400 for the 7 yr platinum warranty...
by random_walker_77
Fri Oct 11, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1572

Re: Keep car entertainment system with fast clock or get refurbished one?

I wouldn't be too concerned that this is indicative of other latent problems in your current entertainment system. You'd be fine ignoring it, and there's relatively low risk in getting a refurb swapped in (mostly just a risk of scratches and incidental damage when a new system is swapped in). The od...
by random_walker_77
Thu Oct 10, 2019 8:54 pm
Forum: Personal Investments
Topic: Questions on Dividends [Choose between share price or volatility]
Replies: 2
Views: 206

Re: Questions on Dividends [Choose between share price or volatility]

The quantity of shares is nearly irrelevant (unless it's less than $1-$2). Rather than buy shares of a single stock, your best bet as a young investor is to just buy the entire market. You're not going to beat the market this way, of course, but you also aren't going to underperform either. You avoi...
by random_walker_77
Wed Oct 09, 2019 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Working in a different city
Replies: 32
Views: 2008

Re: Working in a different city

Is the "1 week on" a full 7 day week? You mention a hospital -- how many hours would you be cramming into that "1 week", between regular hours, and call? On one hand, lots of people work sales jobs where they're away 25-50% of the time, and still working full time on the weeks when they're in their ...
by random_walker_77
Tue Oct 08, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 14091

Re: Willingly going from lucrative job to unemployed?

Thanks again to everyone who replied. I shared the situation with my boss (with whom I have a decent informal relationship), quite literally starting with "I can't take it anymore", and he said to please wait about a month or two before having this conversation. He informally said that the company ...
by random_walker_77
Mon Oct 07, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3705

Re: 2010 Prius totaled.... Now what?

Curious about this - does insurance give the "clean retail" value or "clean trade-in" value? I ran a guesstimate for 120,000 miles prius 5 and it ranges from $8625 vs. $5650 respectively. Quite variable for what your insurance payout can buy you. I think there is a lot of dickering to be done. I th...
by random_walker_77
Mon Oct 07, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3705

Re: 2010 Prius totaled.... Now what?

Sorry to hear about the accident. First, make sure you're alright. The same thing happened to me, middle car that got squished. Also in a prius. I thought I was fine, but 2 days later, started getting a neckache, and then realized I had short term memory issues, fatigue, and ended up feeling "foggy-...
by random_walker_77
Sat Oct 05, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: no head rests on passenger vans?
Replies: 7
Views: 958

Re: no head rests on passenger vans?

Would you consider this a deal breaker? i.e. would you allow your child to ride a large passenger van w/ no head rests? Is the van routinely going freeway speeds or is it going through city traffic? That would make a big difference in my answer. I'm in the suburbs, but the posted limits are high. I...
by random_walker_77
Fri Oct 04, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: no head rests on passenger vans?
Replies: 7
Views: 958

no head rests on passenger vans?

My child's after-school care provides for pickup using passenger vans (12-15 passenger vans). My child's now old enough that h is no longer legally required to be in a booster, but he's short enough that his doctor still recommends a booster. I just found out that these passenger vans lack head rest...
by random_walker_77
Thu Oct 03, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Removing smoke odor from clothing
Replies: 20
Views: 1760

Re: Removing smoke odor from clothing

To contain the odor, you can keep it in a bag with activated carbon (4 ft roll of activated carbon filter goes for about $10) To actually get rid of the odor, ozone is good at breaking things down and ought to work. The link from Steelersfan above is certainly heavy-duty. Just remember, you don't wa...
by random_walker_77
Thu Oct 03, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 14091

Re: Willingly going from lucrative job to unemployed?

For what is worth, firecalc shows 100% success rate up to a $67k yearly withdrawal with a starting portfolio of $2M for a retirement duration of 60 years. Since that's all adjusted for inflation, this should in theory counting many 50-year past periods, right? Somewhat of a side issue, but wanted t...
by random_walker_77
Wed Oct 02, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: maximum downturn
Replies: 16
Views: 2191

Re: maximum downturn

I also have an actively managed retirement fund through my employer that doesn't post gains until January 1st, so it seems like it is perpetually going up every month. I know that's not true as I didn't see any gains last December, but at least I didn't see a loss. I'm at a very low amount in my ot...
by random_walker_77
Tue Oct 01, 2019 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Family Legacy Services - what is this?
Replies: 12
Views: 1735

Re: Vanguard Family Legacy Services - what is this?

I'm guessing it's a variation on this sort of thing: https://www.nytimes.com/2012/10/17/business/heirs-to-the-rich-learn-how-to-manage-their-wealth.html https://www.nytimes.com/2017/05/19/your-money/talking-to-children-about-inheritance.html https://www.wellsfargo.com/the-private-bank/solutions/fami...
by random_walker_77
Tue Oct 01, 2019 10:56 pm
Forum: Investing - Theory, News & General
Topic: maximum downturn
Replies: 16
Views: 2191

Re: maximum downturn

So, that begs the question. How long should we expect to count a downturn in percentages? I realize there are multiple-year periods, but for the lay investor, then maybe this information through Vanguard is misleading and could lead to someone being over-allocated to equities (like me ha)! Ha, that...
by random_walker_77
Tue Oct 01, 2019 10:44 pm
Forum: Investing - Theory, News & General
Topic: maximum downturn
Replies: 16
Views: 2191

Re: maximum downturn

Also note that there's a difference between being 100% in stocks, owning the entire market vs 100% in stocks, concentrated in one sector (be that tech, or financials). Also note that 1931 wasn't so bad by itself, but that span between 1929 and 1932 saw the Dow drop by almost 90%. That's just a wee b...
by random_walker_77
Tue Oct 01, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 14091

Re: Willingly going from lucrative job to unemployed?

OP, you're burned out . And living in the pressure cooker of the bay area doesn't help. I'd second the suggestion of a sabbatical, or of just silently cutting back to 40 hrs/ week. There's another world out there, and you can still be making good money. But first, you need to clear your head. Take a...
by random_walker_77
Sun Sep 29, 2019 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: 29 year old engineer introduction and seeking advice
Replies: 29
Views: 4235

Re: TheFrugalEngineer status update and advice needed

I have just recently went on an interview with a large defense company in the orlando area. I was then as a result offered a job with the company later that day. My current company had then coincidentally presented me with a title change and jumped up my pay from 50K to 60K the next day, while also...
by random_walker_77
Fri Sep 27, 2019 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to get rid of a car
Replies: 48
Views: 3928

Re: How to get rid of a car

Sell it on craigslist/cargurus/nextdoor, w/ full disclosure. You say you don't want to sell it to a private party? I'd argue it's more ethical to sell it to a private party because then you can be confident that full disclosure reaches the buyer. If you sell it to a dealer, they're going to paint ov...
by random_walker_77
Wed Sep 25, 2019 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary passes, leaves hospital bills, can hospitals get money from her trust fund until paid in full?
Replies: 24
Views: 4879

Re: Beneficiary passes, leaves hospital bills, can hospitals get money from her trust fund until paid in full?

Sounds like the husband should ask for a free consultation w/ a lawyer (or two). Sounds like worst case is bankruptcy, but according to this, he could keep his house, car, and perhaps $50K of property, so that might not even be so bad: https://www.natlbankruptcy.com/chapter-7-bankruptcy/ Anyways, ch...
by random_walker_77
Sun Sep 22, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Removing ceramic tile with hammerdrill+chisel bits
Replies: 18
Views: 1321

Re: Removing ceramic tile with hammerdrill+chisel bits

I once did this manually w/ a chisel. Don't do that -- power tools are worth it. I don't think a hammerdrill would work all that well. An air chisel should work well, as stated above. A rotary hammer (which is a big cousin to the hammer drill) w/ chisel attachment would work really well, and is much...
by random_walker_77
Fri Sep 20, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Looking at a new (used) car!
Replies: 15
Views: 1450

Re: Looking at a new (used) car!

You should get some emailed quotes for new a new CR-V as a point of comparison. $19K sounds a bit steep for a 3 year old model, when a new one is MSRP at ~25K. If that new car is more like $23K, then why bother? The point of buying used is to get better-than-linear depreciation, because you expect t...
by random_walker_77
Thu Sep 19, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fight with my insurance company for rear-end collision?
Replies: 24
Views: 1788

Re: Fight with my insurance company for rear-end collision?

Even if the police came out, at best, they could ticket the other driver for being on the phone. But they might also write a ticket against the OP for hitting the other car. When you're driving a two ton vehicle, you can potentially kill someone. As a driver, it's your responsibility to not hit what...
by random_walker_77
Wed Sep 18, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Long Distance Mover from Rockville MD to Bellevue WA
Replies: 16
Views: 1187

Re: Long Distance Mover from Rockville MD to Bellevue WA

Also read movingscam.com to get educated on badly things can go wrong. When deciding whether to move something or sell/rebuy, consider: 1) any sentimental attachment to item? 2) relative cost for sale / repurchase 3) weight -- if something isn't too heavy, then it'll be less expensive to ship. Silve...
by random_walker_77
Sat Sep 14, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Selling an old player piano and lots of song rolls
Replies: 17
Views: 1353

Re: Selling an old player piano and lots of song rolls

I know someone who collects player piano rolls. Definitely list those separately on (eBay?)
by random_walker_77
Wed Sep 11, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: First car accident ever, now what?
Replies: 30
Views: 2189

Re: First car accident ever, now what?

I'm sorry this happened. If she feels "off", she should see a doctor. If she's sore already, she'll probably be feeling worse in the days ahead. Note that you can be feeling "alright" and have whiplash kick in a few days later. Also, symptoms of a light concussion can be non-obvious, and can also ta...
by random_walker_77
Tue Sep 10, 2019 11:07 pm
Forum: Personal Investments
Topic: Early exercising NSOs
Replies: 10
Views: 1082

Re: Early exercising NSOs

If you really have 7 years left to exercise you should let it ride. Most of the value off an option is the time value. With 7 years of volatility to go you would be sacrificing a lot in terms of black scholes or lattice binomial valuation if you exercised now. But read the option agreement and plan...
by random_walker_77
Sun Sep 08, 2019 9:50 am
Forum: Personal Investments
Topic: Early exercising NSOs
Replies: 10
Views: 1082

Re: Early exercising NSOs

Sounds like the "bargain" element here isn't all that high. Really, what you have is the chance to be a VC and invest in this early-stage company. Most startups don't make it, but there is that chance of very high returns. So this is entirely up to your judgement. Note that it's not all-or-nothing; ...
by random_walker_77
Sat Sep 07, 2019 11:25 pm
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 44
Views: 3459

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

I keep spares on-hand, as they can be as low as $10 on ebay or $20-30 on amazon. Getting a tech to replace it could easily set you back $150-$200. That said, I'm comfortable around electricity. Yes, you can probably find videos explaining this on youtube, but you really do need to be careful that yo...
by random_walker_77
Thu Sep 05, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need (term) life insurance?
Replies: 16
Views: 1187

Re: Do I need (term) life insurance?

I would say that neither party needs life insurance in this specific example. What would you be insuring? Great question. I guess the insurance would be to ensure that the survivor could retire if they wanted to. "retire" is a strong word to use in this context. Do you really want your SO to have s...
by random_walker_77
Sat Aug 31, 2019 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: I have 8 checking accounts?????
Replies: 32
Views: 4459

Re: I have 8 checking accounts?????

Regarding that Safe Deposit Box (SDB) that's 8 hours away, I'd prioritize going by to clear that out sooner rather than later. A few years ago, my local bank (smaller national chain) decide to close the local branch and consolidate w/ a newer branch that they'd built a few miles away. So I got a not...
by random_walker_77
Fri Aug 30, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: for those diy’ers - how easy is it to replace an alternator?
Replies: 22
Views: 1721

Re: for those diy’ers - how easy is it to replace an alternator?

Every car is different. See youtube videos for your car... That said, a serpentine belt isn't hard so long as you have the right tool. Either a long breaker bar, if your car has sufficient access, or a slimmer tool like this one (https://www.harborfreight.com/Serpentine-Belt-Tool-Kit-63689.html). Th...
by random_walker_77
Wed Aug 28, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Computer printer suggestions.
Replies: 25
Views: 1273

Re: Computer printer suggestions.

As others said, get a laser printer, so that you never have dried ink problems. Here's a deal today on one for $30, which might last you this year's printing. Sounds like you can get generic toner so it might even last you longer than 3000 pages: https://slickdeals.net/f/13343836-xerox-phaser-laser-...
by random_walker_77
Sat Aug 24, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2446

Re: Car accident: advice needed

Thanks all. There is a good chance farmers may total the car. What should I be aware of with this process? Worried they take the car away and I have to make a quick decision to buy a new car... Save screenshots or pdf's of the KBB quotes. Look at prices on cargurus and save those away too. This is ...
by random_walker_77
Fri Aug 23, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2446

Re: Car accident: advice needed

How bad was the collision and how long ago? Are you physically ok? If this just happened, be aware that you could be pretty messed up and not realize it for a few days (or longer). Whiplash, concussions, and such can really do a number on you, and you will likely think that you're fine for the first...
by random_walker_77
Sun Aug 18, 2019 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think about this Prosper loan to pay off car home Reno etc
Replies: 33
Views: 1977

Re: What do you think about this Prosper loan to pay off car home Reno etc

You don't want to pay off a 5% cash loan by taking out a loan at 10%. If you need to borrow more money for your business at a higher rate, fine, you can do that. But why pay more for your car too? The only possible upside is that, in taking a 5% secured loan (on your car) and turning it into an unse...
by random_walker_77
Fri Aug 16, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Buying an older used car - any new/different ideas?
Replies: 64
Views: 3576

Re: Buying an older used car - any new/different ideas?

For something different, have you considered a nissan leaf? Electric, and unpopular, but they're mechanically simple so there's minimal maintenance. Either it works, or it's ready for the scrapyard. Since you have another car, and don't drive much, it'd be perfect for short trips around town. If you...
by random_walker_77
Tue Aug 13, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance car as layer of emergency funding?
Replies: 33
Views: 2188

Re: Refinance car as layer of emergency funding?

Anyone do this? My dedicated emergency fund is a bit low by conventional advice, but it will be building up over the next year according to projections. I'm vigilant about projecting out backup plans, and I'm wondering if cash out refinancing my car might be an option, especially if rates go lower....
by random_walker_77
Tue Aug 13, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help with job decision
Replies: 26
Views: 2000

Re: Help with job decision

I would be working training military [servicemembers] That sounds like a dream job. But you might want to edit your post, both to avoid including too many details to become personally identifiable, and because if you're going to be working w/ that part of the government, discretion is really import...
by random_walker_77
Mon Aug 12, 2019 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Help with job decision
Replies: 26
Views: 2000

Re: Help with job decision

It sounds as if the pay would be the same once you factor in the self-employment tax savings and the retirement matching. Maybe the gov job is even better pay if you take into account the pension and guaranteed vacation days. Add in better job stability, no need to hustle for clients, and lower cos...
by random_walker_77
Sun Aug 11, 2019 10:19 pm
Forum: Personal Investments
Topic: First time selling out of taxable account
Replies: 12
Views: 2169

Re: First time selling out of taxable account

yep, sell to yield out the required amount of cash while paying the least taxes possible.

Not that you do, but _if_ you had losses, and no capital gains, you can even offset $3K in ordinary income.
by random_walker_77
Sun Aug 11, 2019 10:16 pm
Forum: Personal Investments
Topic: Asset Allocation Help Across Accounts
Replies: 3
Views: 450

Re: Asset Allocation Help Across Accounts

I agree w/ HomeStretch, especially about dialing back on the risk. 80/20 or 75/25 makes more sense to me. For the term life insurance, I'd urge you to get a quote on independent term life. Unless you have health issues, it's probably going to be cheaper to get a policy on your own, and this way you ...