Search found 342 matches

by sk2101
Fri Oct 18, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Hiring an Interior Decorator
Replies: 24
Views: 1497

Re: Hiring an Interior Decorator

I have worked with interior designers and this is common practice. I would tell her that even though she has the cc number you want to pre-approve all purchases and obviously het s copy of all the invoices.
by sk2101
Fri Oct 18, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Purchasing a Pre-Owned iPhone
Replies: 12
Views: 472

Re: Purchasing a Pre-Owned iPhone

swappa.com
buy an unlocked one.
by sk2101
Fri Oct 18, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 42
Views: 3027

Re: Help me find some high quality cargo pants.

I like Lululemon pants. I wear them to work as they look good, are extremely comfortable and use high quality materials, so never wrinkle. Also they have a very smart pocket design. One of the Lululemon pants I have even has a sort of a reflective strip on the inside of the legs, which is meant to ...
by sk2101
Fri Oct 18, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 65
Views: 6933

Re: I bought a STOLEN vehicle!!!

One can quickly check the VIN number with an OBD2 scanner and see if matches the VIN number on the chassis. It is possible to spoof the car software, but much harder to do than placing new stickers or welding a new vin plate. Let's be serious here and cut the OP a little slack. The OP checked the V...
by sk2101
Fri Oct 18, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 65
Views: 6933

Re: I bought a STOLEN vehicle!!!

One can quickly check the VIN number with an OBD2 scanner and see if matches the VIN number on the chassis. It is possible to spoof the car software, but much harder to do than placing new stickers or welding a new vin plate.
by sk2101
Thu Oct 17, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Handling a substantial salary increase - suggestions?
Replies: 26
Views: 2891

Re: Handling a substantial salary increase - suggestions?

Live as if you were still making your old salary. Max out tax deferred accounts and set up automatic contributions to your investment accounts with whatever its additional. While you have outstanding debt, direct part of those contributions to pay them down.
by sk2101
Wed Oct 16, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 42
Views: 3027

Re: Help me find some high quality cargo pants.

gator15 wrote:
Tue Oct 15, 2019 9:39 pm
My wife made me get rid of all of my cargo pants.
Me too, and that was probably 10 years ago! However I am still allowed to wear cargo shorts around the house :D
by sk2101
Wed Oct 16, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4019

Re: Good camera system to watch the babysitter

Since no one seems to be willing to answer OP's question:

- Wyze cam is the cheapest and pretty good, but it needs a power cord
- Arlo runs on rechargeable batteries
- Nest (google) cameras are my favorites due to integration with the google environment, but also need a power cord
by sk2101
Tue Oct 15, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Commuting dilemma
Replies: 34
Views: 2455

Re: Commuting dilemma

A Prius will be a huge step down for you if you are used to driving a Lexus. Not a enjoyable car to be doing long drives on (road noise, seat comfort). So, a realistic replacement would be an Accord or Camry hybrid, which would be more expensive. Plus, insurance, registration and depreciation on 2 c...
by sk2101
Tue Oct 15, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Sign on bonus and taxes
Replies: 14
Views: 1410

Re: Sign on bonus and taxes

JuniorBH wrote:
Tue Oct 15, 2019 11:19 am
In my case, the former employer only requested back the after-tax portion I was actually paid.
In my experience that is what typically happens. In principle, a company should not impose the restitution of funds that an employee did not actually receive.
by sk2101
Tue Oct 15, 2019 5:45 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 42
Views: 3027

Re: Help me find some high quality cargo pants.

I like Lululemon pants. I wear them to work as they look good, are extremely comfortable and use high quality materials, so never wrinkle. Also they have a very smart pocket design. One of the Lululemon pants I have even has a sort of a reflective strip on the inside of the legs, which is meant to m...
by sk2101
Mon Oct 14, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Selling used car experience (dealer vs online vs in person)
Replies: 24
Views: 1497

Re: Selling used car experience (dealer vs online vs in person)

carvana, vroom will give you online quotes. Worth 5 minutes of your time to get another data point vs Carmax. Sometimes they will come up higher. Look up on how much similar cars sold for on ebay. If it is a big difference you may want to go through the hassle of selling yourself. When I do that, I...
by sk2101
Mon Oct 14, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Selling used car experience (dealer vs online vs in person)
Replies: 24
Views: 1497

Re: Selling used car experience (dealer vs online vs in person)

carvana, vroom will give you online quotes. Worth 5 minutes of your time to get another data point vs Carmax. Sometimes they will come up higher. Look up on how much similar cars sold for on ebay. If it is a big difference you may want to go through the hassle of selling yourself. When I do that, I ...
by sk2101
Fri Oct 11, 2019 11:21 am
Forum: Investing - Theory, News & General
Topic: Private Equity ownership proposition
Replies: 16
Views: 1204

Re: Private Equity ownership proposition

The way this ends up not being a good investment is the fees that are charged along the way. Placement fees, multi-level management fees by the fund manager, by whoever is the middle man selling to the small investors. It all adds up. PE is a very good asset class, provided you can put the big ticke...
by sk2101
Fri Oct 11, 2019 7:14 am
Forum: Personal Consumer Issues
Topic: iPhone question - purchase
Replies: 13
Views: 1394

Re: iPhone question - purchase

The "unlocked" feature mentioned above when buying from Apple is huge if your mom does any traveling. You can swap a sim card in the airport when you get to your destination and for say 20.00 have full phone use for your 10-20 day trip. If your phone is locked you won't be able to do this. Having a...
by sk2101
Thu Oct 10, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Concerned I may have somehow gotten scammed on Craigslist (as a seller)...
Replies: 28
Views: 3904

Re: Concerned I may have somehow gotten scammed on Craigslist (as a seller)...

so i think the main issue is i am very squeamish about meeting folks AT MY HOME. i know this is a big no-no, but how else are you going to sell larger items such as furniture? that said, is there ever a time where you would have someone come to your house? if so, what measures can you take to prote...
by sk2101
Thu Oct 10, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1406

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

What's the problem with a refurbished unit? The car is not brand new either. Refurbished items are actually tested for defects, vs new ones are nowadays mostly never tested.
by sk2101
Wed Oct 09, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4552

Re: Help Me Decide on a New Vehicle?

Lexus GX 460 has been great for us. Lots of room, great ride, super reliable. Yep, it’s expensive to buy and expensive to fuel. Maintenance has been essentially nonexistent. Oil changes and recommended fluids. First set of brakes lasted to 70,000 miles. First set of tires made it 60,000 miles I lov...
by sk2101
Wed Oct 09, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma buying a new house
Replies: 31
Views: 2512

Re: Dilemma buying a new house

Jack FFR1846 wrote:
Wed Oct 09, 2019 8:56 am
second best is to sell, rent short term, then buy and move.
Very sensible advice here. Moreover, construction is often delayed and the rental will give you lots of flexibility.
by sk2101
Wed Oct 09, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: travel agent for cruise and discounting
Replies: 8
Views: 652

Re: travel agent for cruise and discounting

The only travel agency I've encountered that can (sometimes) actually offer a lower price (presumably by keeping less commission) is Costco's. So, if you have a membership, you can price something out with them and see if it is any better. Costco usually offers a costco cash card for cruise booking...
by sk2101
Wed Oct 09, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Investor Bought Rental Property in CA
Replies: 6
Views: 743

Re: Foreign Investor Bought Rental Property in CA

The rental income will be taxable to them but they will be able to deduct a number of expenses and depreciation. They will need to file both federal and state tax returns each year. In order to be able to deduct expenses and depreciation they need to file an election to treat the rental as Effectiv...
by sk2101
Wed Oct 09, 2019 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Investor Bought Rental Property in CA
Replies: 6
Views: 743

Re: Foreign Investor Bought Rental Property in CA

The prior poster already covered the tax questions, so regarding the asset protection besides an LLC they could do an umbrella policy. But realistically, since it looks like the property is their only asset in the US and unless they are looking to acquire other assets they are naturally protected. N...
by sk2101
Tue Oct 08, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: checking Amazon Store Card billings
Replies: 10
Views: 885

Re: checking Amazon Store Card billings

It can get very confusing as Amazon sometimes splits orders into multiple charges, charging the card at different times when items ship. What works for me is that one card used exclusively for Amazon (Chase Prime) and I have set alerts at $1. So every time there is a charge on the card I get an aler...
by sk2101
Tue Oct 08, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Question on a concrete driveway
Replies: 15
Views: 1526

Re: Question on a concrete driveway

Forget the concrete. Go to home depot and get some 4" pavers and place them where you want them. Easy fix. Seems like you are only doing this because your car has to roll over a little bit more of your existing driveway. I cannot imagine any contractor will be interested In 1 x 9 job. As someone me...
by sk2101
Mon Oct 07, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4552

Re: Help Me Decide on a New Vehicle?

Lexus RX350, which is a more luxurious version of the Highlander.
by sk2101
Fri Oct 04, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: gifting
Replies: 30
Views: 1955

Re: gifting

I have seen this strategy used for individuals with estates that far surpass the lifetime exemption of $11M. If you have this problem it is a good idea to chip away $15K every year using the yearly exemption. Also you can combine the gift with your spouse and give $30K. And if your daughter is marri...
by sk2101
Thu Oct 03, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 7589

Re: Daddy I'm engaged! Pre-nup?

Jack FFR1846 wrote:
Thu Oct 03, 2019 1:15 pm
What if each of them end up marrying bajillionaires?

just a thought
Then you can be sure the spouse will make them sign one. Make sure they have a good attorney review it.
by sk2101
Tue Oct 01, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Uber in foreign countries
Replies: 25
Views: 1606

Re: Uber in foreign countries

Last year I needed an Uber for Mumbai hotel to the airport. The price on my app was almost twice the amount on the hotel staff Local uber app. That's very interesting. I have used Uber overseas a lot and was not aware that this could happen, but it makes sense - Uber is the master of price discrimi...
by sk2101
Tue Oct 01, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Bought out GMC lease and received bill from GMC
Replies: 12
Views: 2049

Re: Bought out GMC lease and received bill from GMC

Doesn't help you now, but your mistake was going through the dealer. There is no reason for that, you are only giving them to waste your time and charge you more fees. If you want to buy out your lease, call the leasing company and deal directly with them, no need for an intermediary. It looks like ...
by sk2101
Sun Sep 29, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Changing from Snowbird to Full-time resident - when?
Replies: 8
Views: 1179

Re: Changing from Snowbird to Full-time resident - when?

Even though it is a bit of a nuisance, I'd be inclined to file a part year return for the year you switch. It creates a clear notice of the change to the old state and may make it less likely they will hassle you the next year. I might do it on the closing of the old house, as that also avoids timi...
by sk2101
Sat Sep 28, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: When and should I buy dream car? 1997 Toyota Supra
Replies: 36
Views: 2569

Re: When and should I buy dream car? 1997 Toyota Supra

I also always wanted a Supra since they came out back in the early 90s. I couldnt afford it then and although I could easily do it now, I don't it would be a wise move. Iconic cars tend to appreciate the most when people who were young when the cars came out are at their peak earning and start buyin...
by sk2101
Fri Sep 27, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Should I sell my BMW
Replies: 48
Views: 3316

Re: Should I sell my BMW

miamivice wrote:
Fri Sep 27, 2019 1:24 pm
I saw an Ford ad that said former BMW owners were incredibly happy with a Ford Focus.
Former (multiple) BMW owner here.. I would pick a Focus ST as a daily driver over any current BMW model.
by sk2101
Fri Sep 27, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Should I sell my BMW
Replies: 48
Views: 3316

Re: Should I sell my BMW

I would wait until the BMW starts to break to get another car. At 33k miles its too early. Keep driving it for now, transactions costs are high.
by sk2101
Thu Sep 26, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: first house- 1 bedroom vs. 2 bedroom
Replies: 60
Views: 4846

Re: first house- 1 bedroom vs. 2 bedroom

$3K rent vs. $1M buy I'd be renting. Here $1M properties rent for $6-7K.
by sk2101
Thu Sep 26, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Auto Loan
Replies: 19
Views: 961

Re: Auto Loan

Thank you everyone for your responses. Appreciate it. I do have other emergency fund and do have retirement savings account as well. I am planning to buy a used car. I was of the mindset of paying cash upfront for the car which I did for my first car. But one of my friends told me if the interest r...
by sk2101
Thu Sep 26, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Car Insurance - New Car
Replies: 5
Views: 245

Re: Car Insurance - New Car

bdoran wrote:
Thu Sep 26, 2019 10:07 am
We have been State Farm customers since the 1970's with never a claim.
time to give them the boot. Shop around and see what other companies offer you.
by sk2101
Wed Sep 25, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable Accommodation Requests?
Replies: 48
Views: 3149

Re: Reasonable Accommodation Requests?

I wear blue light filtering glasses whenever I am in front of a computer or screen and I find they are very helpful to reduce eye stress. Might help your problem as well. Just an idea. Also I don't think it would be unreasonable to request that the fluorescent bulbs directly above you be replaced wi...
by sk2101
Tue Sep 24, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Repair or replace a bathroom sink
Replies: 20
Views: 1346

Re: Repair or replace a bathroom sink

I would not bother trying to fix it and just replace the sink. It is a fairly easy job and sinks are cheap.
by sk2101
Mon Sep 23, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 8663

Re: Physical activity suggestions for a non athletic youth

My son loves mountain biking, it is a healthy, good exercise with a nice community that he will be able to do his whole life if he wants to. The nice thing is that there is a good variety of trails, so an overweight person can start in the green trails and progress to the harder trails as they get f...
by sk2101
Mon Sep 23, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Convertible power top problems - battery?
Replies: 4
Views: 259

Re: Convertible power top problems - battery?

It could well be the battery. I suggest you plug it to a battery charger and let it charge and see if the problem persists. Also if you are going to leave it parked for a long time you should use a tender or one of those battery quick disconnects to avoid parasitic drain to levels that will damage t...
by sk2101
Sat Sep 21, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 6184

Re: New Camry Questions

Blind spot monitoring is completely useless if you adjust your mirrors properly. Most Americans are not taught the proper way to adjust mirrors...for some reason they think you should see the rear of the car. This is not correct. AAA has a guide that describes how to properly set mirrors: https://s...
by sk2101
Fri Sep 20, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Looking at a new (used) car!
Replies: 15
Views: 1390

Re: Looking at a new (used) car!

Not worth it, you are just paying (a lot) for additional warranty. Many times dealers don't even inspect the cars they CPO. Put the extra money towards a newer/lower mileage car. Do your own independent inspection.

Avoid 2017+ CRVs as those have the oil dilution problem.
by sk2101
Thu Sep 19, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Moisture and mold found during home inspection
Replies: 53
Views: 2969

Re: Moisture and mold found during home inspection

Hi all, We put in an offer for a townhome and it was accepted! This is a three story townhome with the first floor being a garage and the 2nd and 3rd floors the living area. However, during home inspections, the following major things came up: Mold found underneath the kitchen sink AC systems are w...
by sk2101
Thu Sep 19, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 10980

Re: How do you spend money to gain time? (young family)

I used to do all the work on my car, I started taking the car to a mechanic. I consider DIY car maintenance a time saver, for example I can do an oil change quicker than it would take me just to drive to a shop (not counting waiting there). Plus I can do things at my convenience without having to f...
by sk2101
Wed Sep 18, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: Best financial books for a new investor.
Replies: 15
Views: 882

Re: Best financial books for a new investor.

Here is a good place to start:

Little book of common sense investing
A Random walk down wall street
by sk2101
Mon Sep 16, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Replacing Tires on BMW X3
Replies: 31
Views: 12639

Re: Replacing Tires on BMW X3

Replacing the horrid runflats was literally the first thing I did, about a month after buying my (demo) 2011 335d. Didn't even consider runflats for the replacement, and run 17" Blizzaks on the stock wheels, and 18" Pilot Super Sport on a set of aftermarket wheels. If I ever have a tire that's so b...
by sk2101
Fri Sep 13, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 31
Views: 2359

Re: Best Triathlon Bike?

Thanks for the replies. Some answers I could go up to 8K for a faster bike. Cervelo P3X looks very cool. As far as training for 70.3, I recently got an online coach and that has made all the difference for me. I am beating times from 11 years ago (I am 60). Long rides / bricks on weekends but weekd...
by sk2101
Fri Sep 13, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 31
Views: 2359

Re: Best Triathlon Bike?

Andyrunner wrote:
Fri Sep 13, 2019 9:03 am
I can't sell my wife's old tri bike.
Recently had a hard time selling a 2007 Cervelo P2. Ended up parting it out and selling the frameset and all the parts individually on ebay. Got way more than I imagined, but it is definitely more work.
by sk2101
Fri Sep 13, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 31
Views: 2359

Re: Best Triathlon Bike?

Agree with your coach recommendation. Cervelos are good bikes and have excellent resale value. Cervelo just lanched a new PX series so P3/P2 may be a good bargain as they clear out inventory. That said, on a tri bike the most important thing is to get a bike that fits you well. So I would start with...