Search found 37 matches

by tweeter
Tue May 28, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: tankless water heater?
Replies: 37
Views: 3756

Re: tankless water heater?

I used to work for a trade school and asked HVAC instructors about tank vs tankless. They told me tankless is more complicated and expensive to install. They also require more ongoing maintenance. The added complexity = higher chance of failure, more failure points, and more costly repairs. Tanks ha...
by tweeter
Wed May 01, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Fun-ish Used Boglehead Car
Replies: 86
Views: 6421

Re: Fun-ish Used Boglehead Car

Another vote for GTI. I have an 06 GTI 2.0 manual trans that I bought new that is still going strong. I have had only 1 recall fix outside of routine maintenance. Very fun car to drive and it doesn't get as much attention from the cops as an Audi/BMW. I like driving it so much that I kept it after I...
by tweeter
Fri Mar 15, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Switch from average day care to fancy one?
Replies: 31
Views: 2233

Re: Switch from average day care to fancy one?

Our 2.8 year old kid will soon be transitioning to the next class at 3. He is currently in an "average" day care that is right next to our house. Nothing spectacular, nothing bad.. Lot of younger teachers and diversity. He is happy there and always seems glad to be there.. There is a fancier daycar...
by tweeter
Fri Apr 14, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 45887

Re: Tesla Model 3 or Chevy Bolt?

I would go Bolt. Not only because it's already here but because I am concerned about the future of Tesla motors. There is no guarantee they will be able to deliver on all the pre-orders. I think a Bolt would be more viable in the long run. Tesla stock is riding a serious hype train right now and is ...
by tweeter
Wed Apr 12, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme Frugality vs Living Life - Where do you draw the line?
Replies: 77
Views: 11446

Re: Extreme Frugality vs Living Life - Where do you draw the line?

I think the issue with your Aunt and Uncle is less about frugality and more about compromise. If your uncle truly loves your aunt he should part with some of his wealth to make her happy. It seems a small price to pay for someone he cares for. IMO, extreme frugality crosses the line when you become ...
by tweeter
Wed Apr 05, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 10435

Re: Career advice in IT

I can second the advice here on government IT. I am in my 30's and have spent my whole IT career in government. I started at Help Desk and am now a Senior level Systems Analyst. Here are some PROs and CONs of working in government IT: PROS: -40 hour work weeks (friends in private sector working at l...
by tweeter
Thu Apr 03, 2014 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing finances for Real Estate Investment Loan
Replies: 0
Views: 260

Preparing finances for Real Estate Investment Loan

I am trying to get my accounts in order before I apply for a conventional 30 yr mortgage for a SFR investment property. I am looking at AimLoan or Amerisave. Besides having the required 20% down in liquid accounts (i.e. checking and savings), how much additional cash is needed? I have an old 457 fro...
by tweeter
Mon Sep 16, 2013 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 18231

Re: Got fired earlier this week, now the boss wants me back

I know it is probably too late for advice as this thread and your decision making have evolved but I wanted to give you my advice anyway. I believe the focus should be squarely on the fact that your former boss lost faith in you enough to tell you to take a hike "the sooner the better". Why would yo...
by tweeter
Wed Sep 04, 2013 6:08 pm
Forum: Personal Consumer Issues
Topic: Goodbye Sprint, Hello Ting
Replies: 29
Views: 4234

Re: Goodbye Sprint, Hello Ting

One consideration before you switch, if you are not currently on the Sprint network, is to check with people in your area on Sprint. Make sure the service is good. In my city Sprint is dead last in coverage. A lot dead spots. My organization is in the process of ditching all Sprint phones for Verizo...
by tweeter
Fri Aug 30, 2013 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret saving too much and not spending when younger?
Replies: 79
Views: 13016

Re: Anyone regret saving too much and not spending when youn

Exactly the opposite for me. I spent, spent, spent on travel when I got out of college. I had some of the best experiences of my life traveling Latin America and have friendships that have survived long distances and the test of time. It helped make me who I am today. I appreciate every single day I...
by tweeter
Wed Aug 28, 2013 10:56 am
Forum: Personal Finance (Not Investing)
Topic: PenFed Platinum Rewards Visa CC changes
Replies: 118
Views: 33857

Re: PenFed Platinum Rewards Visa CC changes

This is really a mess. I just called to try and verify if they were changing me from 5/3/1 to 3/2/1 rewards. The customer service person looked up my account, said that I was changing, that I had been sent notification and that there was no way to opt out. When I asked her to verify when I had been...
by tweeter
Mon Aug 26, 2013 11:18 am
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 9932

Re: Choice Of Weapon For Personal Home Self Defense

I work for the government, closely with law enforcement, and the officers and detectives I talk to tell me most burglaries occur during the day when you are at work. The less likely ones occur at night, but nearly all burglars will run away immediately if discovered (no need to brandish a weapon). B...
by tweeter
Thu Aug 22, 2013 4:48 pm
Forum: Personal Consumer Issues
Topic: Should I file a claim or not? [auto damage]
Replies: 15
Views: 2026

Re: Should I file a claim or not?

In terms of potential liability "later", was the owner or anyone else IN the car when this happened? Near enough to be (or claim to be) hurt, perhaps with a (real or not) injury noticed later? If so, it might be wise to involve the insurance company, even if you would not have otherwise. RM No one ...
by tweeter
Thu Aug 22, 2013 4:10 pm
Forum: Personal Consumer Issues
Topic: Should I file a claim or not? [auto damage]
Replies: 15
Views: 2026

Should I file a claim or not? [auto damage]

I backed into another vehicle (stupid) and caused a softball sized dent in someone’s bumper. The dent is on the corner of the bumper and did not cause any scratching, chipping or other cosmetic damage. It is simply a dent. The lady who owns the vehicle was nice enough to work with me outside of insu...
by tweeter
Wed Aug 21, 2013 6:29 pm
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 12009

Re: Why aren't Car dealers prepared to deal?

Sir, with all due respect, I will be happy to discuss pricing with you; but as I've stated before, I will not email you a quote, not before we've had a chance to at least talk on the phone. I take pride in my outstanding customer service and I think emailing you a quote without even knowing who you...
by tweeter
Mon Aug 19, 2013 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Home protection plan
Replies: 5
Views: 689

Re: Home protection plan

We had one included when we purchased our home and never had to use it. We decided not to renew. Just do a Google Search on American Home Shield and you can read the horror stories. All sorts of exclusions, conditions, and then they make you jump through hoops to actually get the money. Why not put ...
by tweeter
Fri Aug 16, 2013 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed Rewards Point Change?
Replies: 63
Views: 37426

Re: PenFed Rewards Point Change?

Personally, if this change holds, I will look for other cards, but cash out at 59k points for $50, giving me a hair over 4% if I did all gas purchases. I've already got other cards that will give me better return on grocercies and other purchases. Can you share what other card you use for groceries...
by tweeter
Fri Aug 16, 2013 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed Rewards Point Change?
Replies: 63
Views: 37426

Re: PenFed Rewards Point Change?

Just confirmed they lowered mine too on 5x gas, 3x groceries and 1x everything else card. I have an auto loan with them, but I guess this doesn't count? I am pissed about this. Did anyone receive notice they were doing this???
by tweeter
Fri Aug 16, 2013 1:17 pm
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 12009

Re: Why aren't Car dealers prepared to deal?

Interesting change of events today. The dealer I was working with who I have the numbers I posted earlier left me an email today. Asked if I would go down this afternoon and take the car I am looking at for a test drive. I am skeptical as 2 days ago he did not have it in stock, and I cannot see it ...
by tweeter
Thu Aug 15, 2013 11:56 am
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 12009

Re: Why aren't Car dealers prepared to deal?

Went in, drove the car, said we would take it at the price we had discussed. Then we get to the part where they try to sell you the warranty and they said "we see you buy your cars with cash and do not buy the warranty, but we have to give you the fast spiel". Out of there in less than 2 hours. So,...
by tweeter
Tue Aug 13, 2013 5:34 pm
Forum: Investing - Theory, News & General
Topic: Clark Howard, the most reasonable financial guru
Replies: 24
Views: 5199

Re: Clark Howard, the most reasonable financial guru

Had to comment because he looks so much like some of my IT colleagues. Khaki pants with the dual belted cell phones. The picture looks like a cheesy dating service photo. Have heard is podcast tho, and it is great.
by tweeter
Tue Aug 13, 2013 10:24 am
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 12009

Re: Why aren't Car dealers prepared to deal?

After asking for "best price" via e-mail I don't even bother with further haggling because I'm getting the true lowball bids; the internet sales people know what I'm doing. The first time that I see anyone face-to-face is when I show up at the lowest-bid dealership with a check in my hand. This cou...
by tweeter
Mon Aug 12, 2013 3:47 pm
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 12009

Re: Why aren't Car dealers prepared to deal?

Wait until the end of the month, you're more likely to get a sale if the dealership has had a bad month or is close to hitting a sales target. Manufacturers give bonuses to dealerships which they call "hold back" if they meet certain criteria. Basically the manufacturer is splitting the wholesale p...
by tweeter
Mon Aug 12, 2013 11:33 am
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 12009

Re: Why aren't Car dealers prepared to deal?

You should email around 6 (maybe more) dealers in your vicinity with your exact specs and tell them you are motivated to buy in the next several days. Stress in the email that you need their lowest out the door price and you will be going with the dealer that will give you the lowest price. Tell the...
by tweeter
Fri Aug 09, 2013 12:33 pm
Forum: Personal Consumer Issues
Topic: Fantasy Football Strategies and Tips
Replies: 10
Views: 977

Re: Fantasy Football Strategies and Tips

I would definitely look over how experts have ranked all the players and use that as a starting point. I would suggest that you do your own research on players and alter the lists accordingly. Once the season starts, you will find that the experts will be wrong on a lot of players. Go with your gut....
by tweeter
Thu Aug 08, 2013 12:54 pm
Forum: Personal Consumer Issues
Topic: Esurance - Anyone Using for Auto/Home Insurance?
Replies: 8
Views: 1229

Re: Esurance - Anyone Using for Auto/Home Insurance?

I've had esurance for several years. Never had to file a claim but their online access is good for printing ID cards and running scenarios on how your rates would be affected by new cars, changes in levels of coverage etc. Phone support is good. There was another thread recently about them that has ...
by tweeter
Mon Aug 05, 2013 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to simplify and overcome Boglehead perfectionism?
Replies: 38
Views: 6583

Re: How to simplify and overcome Boglehead perfectionism?

I had a baby a few months back, and he now occupies the time I used to have for financial planning, plus some. We are cruising on autopilot to a large extent for retirement investing, bill paying, etc. We have a housecleaner come every other week and starting in the fall will hire a lawn service, t...
by tweeter
Mon Aug 05, 2013 4:04 pm
Forum: Personal Consumer Issues
Topic: Buying a House without a Real Estate Agent
Replies: 29
Views: 4354

Re: Buying a House without a Real Estate Agent

I think a lot of folks get stuck with a realtor that is not a good fit for them. They end up looking at houses not in their price range or those lacking features that are essential to the buyer. I also think the nature of the business encourages collusion between buyer and seller agents to maximize ...
by tweeter
Mon Aug 05, 2013 1:33 pm
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 101
Views: 10528

Re: Tipping

But, often the "offense" doesn't rise to that level. If I have to wait on drinks, or have to ask three times for another napkin, or wait 10 minutes after I'm done for the bill (or my change), then that's going to impact the tip. I have empathy for servers, and realize they have a tough job and have...
by tweeter
Mon Aug 05, 2013 12:25 pm
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 101
Views: 10528

Re: Tipping

You want to reward a server with a 20% tip, even though you received bad service, because you perceive that they were waiting on too many tables (slammed) to provide proper service to you? Talk about sending the wrong message and rewarding bad service. I can definitely understand where you are comi...
by tweeter
Mon Aug 05, 2013 11:30 am
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 101
Views: 10528

Re: Tipping

I paid my way through college with tips by being a server. I paid my rent with my tips. My paychecks at minimum wage were pocket change to me. I tip minimum 20% when I go out to eat. If service is bad I may tip 10-15% but sometimes I will still tip 20%. I worked long enough in the business to detect...
by tweeter
Thu Aug 01, 2013 6:22 pm
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 13222

Re: Cutting the cord on Cable

For those finding it hard to cut the cord with cable you can at least negotiate a lower rate. When you call you have to make sure that you choose the option to "Cancel service" not "downgrade service". Then you tell them you are cancelling and give them the reasons why. You will more than likely be ...
by tweeter
Thu Aug 01, 2013 12:53 pm
Forum: Personal Consumer Issues
Topic: SUV recommendations
Replies: 51
Views: 6725

Re: SUV recommendations

Others have mentioned them but you should consider the Kia Sorento and the Hyundai Santa Fe. They are more stylish w/ more features than their Japanese counterparts and have reached a level of quality close to them. The problem is the market has not yet realized the reliability gains and resale valu...
by tweeter
Thu Aug 01, 2013 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Esurance?
Replies: 17
Views: 3332

Re: Esurance?

I've had Esurance for several years and they are great. Easy to get in touch with on the phone and good online account management. I have not noticed any difference in service or rates since the Allstate buyout. I have never had to file a claim so I cannot attest to their abilities there. I too had ...
by tweeter
Wed Jul 31, 2013 10:39 am
Forum: Personal Consumer Issues
Topic: Help us pick a car, please.
Replies: 44
Views: 5410

Re: Help us pick a car, please!

We just bought a new RAV4. The new model redesign is really nice and was way overdue. We have stored all sorts of kids stuff and a couple of small dogs comfortably in the cargo area at the same time. It has been a great compromise between size and MPG. We love the drive and the MPG has come in as ad...
by tweeter
Mon Jul 29, 2013 2:00 pm
Forum: Investing - Theory, News & General
Topic: 1987 stlye crash on the way?
Replies: 65
Views: 9290

Re: 1987 stlye crash on the way?

Stuff like that is what the stock market does. That why you get the risk premium. You get it for taking risk. If you believe you can see crashes coming and dodge them--or that your advisor can, or that your active fund manager can--then you are not being risk tolerant, you are denying the existence...
by tweeter
Mon Jul 29, 2013 11:29 am
Forum: Personal Consumer Issues
Topic: All Wheel Drive vs. Front Wheel Drive
Replies: 52
Views: 18039

Re: All Wheel Drive vs. Front Wheel Drive

Don't know if I can add much that hasn't already been said. We live in the Northwest and have a fairly steep driveway. Winters can be harsh sometimes. We ended up getting a new AWD RAV4. It is not an all time AWD system as it only activates when needed. However, you can lock it at speeds under 30 MP...