Search found 6632 matches

by Jack FFR1846
Thu Apr 26, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Learning to drive stick
Replies: 51
Views: 1447

Re: Learning to drive stick

Turo requires you to sign that you are completely proficient at driving a manual. Any damage to the drivetrain is assumed to have been caused by the renter who if fully responsible for all repairs.

I wouldn't sign that and have had manual cars since 1973 and instructed on the track.
by Jack FFR1846
Thu Apr 26, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Learning to drive stick
Replies: 51
Views: 1447

Re: Learning to drive stick

You need to know how to learn to drive manual?

Miata

Is

Always

The

Answer


Find a nice NB and live!
by Jack FFR1846
Thu Apr 26, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 43
Views: 2623

Re: Comfortable Commuter Cars under $50K

If a Lexus LS says married dad, an Avalon/es screams "you're a beautiful girl, you should meet my grandson". Find a used Lotus Evora. I found that they ride very well plus a good number of top handling cars had Lotus engineer the handling.
by Jack FFR1846
Thu Apr 26, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Help! Nephew is asking for college advice (undergrad choices)
Replies: 41
Views: 1880

Re: Help! Nephew is asking for college advice (undergrad choices)

Northeastern is a 5 year school, normally, so figure that in. Transfer credit is difficult because it's not on a semester system. It is very expensive and basic classes will see 300-500 in a lecture. For engineering, just sticking with northeast area that I'm familiar with, WPI, slightly cheaper tha...
by Jack FFR1846
Wed Apr 25, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Should I open a Goldman sachs 1.6% savings account?
Replies: 23
Views: 1448

Re: Should I open a Goldman sachs 1.6% savings account?

That's pretty low these days.

Redneck bank: 1.75% up to $35k
Ablebanking: 1.70% with no limit.

I use them both plus have a CD at Ally
by Jack FFR1846
Wed Apr 25, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Is my computer obsolete?
Replies: 60
Views: 3613

Re: Is my computer obsolete?

Sounds like someone is a micro manager. I worked in a job like that. For a couple months, everyone in my group had to keep a log of what they did on 15 minute intervals. They said it was to see if they need to hire more people to do the job each of us did. Why they didn't just ask "Are you so loaded...
by Jack FFR1846
Wed Apr 25, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: New car pickup today.
Replies: 48
Views: 2760

Re: New car pickup today.

If it was an aftermarket warranty company, you should know that of the 10 top warranty companies 10 years ago, zero are in business today.
by Jack FFR1846
Wed Apr 25, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 1937

Re: Do you have a car w/o ABS?

It's interesting too that you indicated problems started after brake upgrades. On my XJ, it never had any issues at all until after I replaced the pads. Then, every time it rained, one or the other front wheel would lock upon the first application of the brakes. Every. Time. Without. Fail. That was...
by Jack FFR1846
Tue Apr 24, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Debate - consider all accounts as one?
Replies: 22
Views: 1140

Re: Allocation Debate - consider all accounts as one?

Whole thing is one AA. Rebalance in 401k. One fund in every other account.
by Jack FFR1846
Tue Apr 24, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Cost of ownership for midsize SUV/wagon
Replies: 27
Views: 1603

Re: Cost of ownership for midsize SUV/wagon

Boy, you really are all over the place. If you're looking at an E class, how about a Legacy 3.6 or Avalon?
by Jack FFR1846
Tue Apr 24, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Needing some sage advice on mom's Uni Life policy
Replies: 10
Views: 566

Re: Needing some sage advice on mom's Uni Life policy

Get an in force illustration. I had one of these policies and found that this is not a whole life policy. In my case, I found that paying the level premium led to the policy terminating in some number of years. Also, the insurance premium was constantly rising, so cash value dropped annually, not ro...
by Jack FFR1846
Sun Apr 22, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 84
Views: 4125

Re: AAA? What to do in car emergencies?

But as I was driving on the highway, I realized that, without my husband, I have no clue what to do if I have a flat or a breakdown or an accident. Is AAA still the thing to do? AAA is an expensive and bad idea. 30 yrs ago they were the only game in time and people are stuck in old habits. Any auto...
by Jack FFR1846
Sat Apr 21, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4955

Re: Settlement Offer -- Accept or Wait?

Several years ago, in a winter where New England got clobbered, I had a poor snow plow vehicle for my driveway (07 Ford Explorer) and thus ended up shoveling myself out to get unstuck too many times. During all of this, unknown to me, I injured my back. This didn't show up immediately but people at ...
by Jack FFR1846
Fri Apr 20, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: mutual funds or etfs, why each
Replies: 33
Views: 2140

Re: mutual funds or etfs, why each

I sort of don't care one way or another. I have mutual funds in everything but taxable where everything is ETFs.

One's investing in a can.....the other is investing in a bottle.
by Jack FFR1846
Fri Apr 20, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Lending Club Investing
Replies: 26
Views: 2168

Re: Lending Club Investing

Sorry, you've missed the boat on lending club. I've thankfully gotten out without a default. Most investors have not. Mr Money Mustache was an enthusiastic supporter and investor until the whole thing started going down the toilet. Note in the link, he's been losing money the last few entries. Stay ...
by Jack FFR1846
Fri Apr 20, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 23
Views: 2034

Re: How much off MSRP should one expect?

6.25% sounds like Massachusetts, where I live. I'd guess you're new to our state and don't understand how taxes work. My manager at my first engineering job had the bright idea to drive up to New Hampshire, where they have no sales tax in order to buy that used Mercedes S class. He bought it and the...
by Jack FFR1846
Fri Apr 20, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: How to ask town to build a sidewalk?
Replies: 22
Views: 1248

Re: How to ask town to build a sidewalk?

Sidewalks are generally within the roadway right-of-way, which is owned by the city, county, or state, depending on the jurisdiction of the roadway. Likely, in a residential area in town, this will be the city's responsibility. I've been in a lot of towns but never one where sidewalks have been the...
by Jack FFR1846
Fri Apr 20, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 109
Views: 6325

Re: Do you buy new or used cars?

My wife and I were talking last night. Once my older son graduates college (about 1 year from now), I'm going to buy a "nice" car again. My son actually sent me this and I think it fits well with your requirements. All wheel drive. It has back seats. Plenty of power. With some hard ball negotiating,...
by Jack FFR1846
Fri Apr 20, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10901

Re: Quitting job - what to do if getting walked to the door

A few more things I remember from having left jobs.... Spend all the FSA money you possibly can. If you put in for $2500 for the year, for example, and have $2500 in expenses, submit them. They will pay the full amount you signed up for, even though you have not contributed the full amount yet. WRT ...
by Jack FFR1846
Fri Apr 20, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Financial Advice for Dead People
Replies: 2
Views: 933

Re: Financial Advice for Dead People

Fidelity's study pretty much showed that a planner is not needed for people who own 401k's and are dead. They did better than any other group studied.
by Jack FFR1846
Thu Apr 19, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Pls recommend a cell phone for secondary use
Replies: 11
Views: 920

Re: Pls recommend a cell phone for secondary use

iPhone 4s running ios7.1. Cheap used. Very available. Doesn't have the Apple "slow your phone down" features. Under $100. Mine's 6 years old.
by Jack FFR1846
Thu Apr 19, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 34
Views: 2834

Re: Negotiating for a new Toyota.[my fault comparing apples and oranges]

One more thought. If you ask for the prices on two cars they will not take you seriously since you are not saying that you are ready to buy today. Pick one then just ask for that price and say that you are ready to buy in your email. This^ I take the fact that you're asking about 2 cars you haven't...
by Jack FFR1846
Thu Apr 19, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3485

Re: Good Dad, Bad Dad

It's completely up to you.

If you decide to do another car, how about get yourself a newer car and let him use the oldest car you currently own.
by Jack FFR1846
Thu Apr 19, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Car value: old car with low mileage
Replies: 22
Views: 1463

Re: Car value: old car with low mileage

My Lexus timing belt is 9 years or 90k miles. With 10k on the timing belt, I would not change it. If the car is nice, it will sell fast. Collector plates soon! I had to actually look it up. I remember my 91 Honda saying 60k miles. I don't remember the time because I put 20k miles on the car a year....
by Jack FFR1846
Thu Apr 19, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Car value: old car with low mileage
Replies: 22
Views: 1463

Re: Car value: old car with low mileage

KBB is being kind to you. 7 years is overdue for a timing belt (Toyota says 60k miles or 48 months, whichever comes first), short drives are the absolute worst thing for a car, all hoses will be overdue for being replaced, tranny fluid, brake fluid, power steering fluid, possible brake replacement. ...
by Jack FFR1846
Thu Apr 19, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 64
Views: 4411

Re: Selling a car: how to get paid?

$2k-$7k is easy enough to require cash.

Alternative: you meet at a local branch of his bank. He has the bank write out a cashier's check to you. You cash it.

I sold a boat for $8k cash and a trailer for $6k cash. Assume any personal check is worthless.
by Jack FFR1846
Thu Apr 19, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Financial planners [looking for one]
Replies: 30
Views: 2199

Re: Financial planners [looking for one]

I'm convinced that the Vanguard planners listen a bit, then suggest the components of one of their target date funds. Certainly you can do that yourself. That being said, it's likely a better path than what 99% of so called financial planners will suggest.

This stuff ain't difficult.
by Jack FFR1846
Thu Apr 19, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Bill Bonner: what's your take?
Replies: 38
Views: 3326

Re: Bill Bonner: what's your take?

Time in the market, not market timing. My investing follows that simple rule. I love reading all these financial entertainment whack balls. They come up with the absolutely funniest views of the world. Fortunately, my investing rules don't have any connection to any news or entertainment I read. Who...
by Jack FFR1846
Thu Apr 19, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: “The Smell of Retiree Mon$y...”
Replies: 57
Views: 8054

Re: “The Smell of Retiree Mon$y...”

I completely get how angry these people could make you. If this happened to me, I would immediately change my will to leave the money to our local no-kill animal shelter and send a copy of the new will to those people who showed up on my door. I don't have issue with people suggesting to me how I sh...
by Jack FFR1846
Thu Apr 19, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: 2018 Honda Fit EX
Replies: 33
Views: 2365

Re: 2018 Honda Fit EX

I drove a FIT when all the local dealers had yellow ones on the roadside in front of their stores with big "$13,999" stickers on the side. It drove very much like the 75 Civic CVCC I used to own (which was yellow, too). Shifter is very rubbery. If you want to compare, drive a Civic Si or a CR-Z. Bot...
by Jack FFR1846
Thu Apr 19, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Estimating Future College Costs
Replies: 18
Views: 1276

Re: Estimating Future College Costs

I think there's going to be a tipping point where private colleges can no longer fill enrollments at the tuition levels as they're going. I'm just about at that point myself, being one of those parents whose son is going to a good private college at full price. My younger son will be entering a comm...
by Jack FFR1846
Wed Apr 18, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3134

Re: Perks of Owning Certain Individual Stocks

If you own Ford stock, you receive X plan pricing. No haggle. Can you do better negociating? Yes, I have. But for no stress buying, this can help
by Jack FFR1846
Wed Apr 18, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 730
Views: 58996

Re: To take or not to take delivery of Tesla 3

There is a $1,000 destination and regulatory doc fee which covers delivery and documentation. And just like every other slime ball dealer, the doc fee is a renamed "Additional Dealer Markup", but in this case, directly from the factory. Note: The first time a dealer charged me a doc fee was in 1991...
by Jack FFR1846
Wed Apr 18, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10901

Re: Quitting job - what to do if getting walked to the door

Bring all physical, personal items out to the car prior to giving notice. When he's walked to the door, there should be nothing left for HR to mail. I've seen people walked out and then co-workers and/or boss putting personal things in boxes that will be FedEx'd to the former employee. Assume this w...
by Jack FFR1846
Tue Apr 17, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 184
Views: 12651

Re: Is Los Angeles a good place long term to live financially?

You should be able to find a reasonable, standard size spot to park yourself for about $150k.

Of course, I'm talking about a single parking space.
by Jack FFR1846
Tue Apr 17, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Donate or give-away scooter?
Replies: 9
Views: 815

Re: Donate or give-away scooter?

Craigslist. $50, not running, sold as is.

It'll be gone in a day. If you want to donate the money, then donate the money. Any charity accepting it will pretty much sell it for scrap anyways, which is maybe $5.
by Jack FFR1846
Tue Apr 17, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4211

Re: car at 80

randomizer wrote:
Tue Apr 17, 2018 10:27 am
I can't imagine having a car at 80. But then again, I didn't have one at 30 either.
Everyone is different. Paul Newman won the GT-1 class at Lime Rock at 82 years of age. I know family members who should have given up driving at 40 because they're so bad at it.
by Jack FFR1846
Tue Apr 17, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 56
Views: 5452

Re: Cash instead of bonds?

I think the key is the "wealthy man". Where it's pretty common for Bogleheads to target 25 to 50 times spending, if one is wealthy enough to have 500 time spending sitting in investments, one's strategy can accept far more volatility.
by Jack FFR1846
Tue Apr 17, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4211

Re: car at 80

Tires are what get you to be able to stop and turn in the snow. A good set of snow tires in the winter are the first line of defense. Second line is AWD. I'm outside of Boston and with this winter we just went through, my Jeep Wrangler with 4 wheel drive, a snow plow and a couple Husqvarna chain saw...
by Jack FFR1846
Mon Apr 16, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: San Diego Safari Zoo
Replies: 13
Views: 945

Re: San Diego Safari Zoo

We did it when it was still called the wild animal park and we had no kids. Having just visited the San Diego Zoo, we had a good comparison and liked the park much more. Without kids, a day is about right. We took the train on the "safari" and I forgot film or ran out or something, so we did it agai...
by Jack FFR1846
Mon Apr 16, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Owning 3 vehicles
Replies: 27
Views: 2077

Re: Owning 3 vehicles

I've used the same 4 bike rack on my 91 Honda CRX 2 seater and a 2000 Yukon XL. Both easily fit 4 mountain bikes. Where the CRX got 28 mpg and was really fun, I could probably fit it inside the Yukon XL by removing the 3rd row seats. In both cases, the bikes were out on the rack. I use a trailer mou...
by Jack FFR1846
Mon Apr 16, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much salary did you negotiate?
Replies: 20
Views: 2507

Re: How much salary did you negotiate?

I've had many negotiations over the phone because the person authorized to make an offer is a couple thousand miles away. A couple examples: Against a manager who had no push back skills. Moved from $100k up to $125k by working him up until he said that he would have to get the owner's authorization...
by Jack FFR1846
Mon Apr 16, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: power tool that replaces both allen wrench and screwdriver
Replies: 9
Views: 595

Re: power tool that replaces both allen wrench and screwdriver

Sure. Put a drill bit in their place and drill off the head of philips, torx etc. I've done that many times.
by Jack FFR1846
Mon Apr 16, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: How 'bad' are American Funds through UBS?
Replies: 12
Views: 662

Re: How 'bad' are American Funds through UBS?

Let it go. Not only haven't they asked for your help, they actively don't want it. There ya go. A couple years ago, my mom set up a meeting with her adviser so I would understand where she's got her investments and that they're being handled well. The adviser explained that beneficiaries were all s...
by Jack FFR1846
Mon Apr 16, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 23
Views: 1911

Re: Recommend airline luggage fitting in overhead bin?

On American, Delta, and United anything wider than 14" won't fit in the bag sizer if they make you use it. They all say 22X14X9 is the max size. Sandtrap's 19" Samsonite spinner is said by Samsonite to be 15" wide. I have been looking for a carry-on and haven't found one yet that fits the 22x14x9 s...
by Jack FFR1846
Mon Apr 16, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: What to do about withdrawal this year if market doesn't go up?
Replies: 32
Views: 2885

Re: What to do about withdrawal this year if market doesn't go up?

If nothing else, can you post your portfolio's total value? Your original posts has the "tone" of someone with $10k saved, expecting it's going to hold them over for the next 30 years. If instead, you've got $10M socked away, then you've got it made. I suspect you're somewhere between those numbers.
by Jack FFR1846
Mon Apr 16, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5458

Re: Costco gas

I would have to drive an hour out of my way to even find a Costco. Back when I worked right near one, I did go check the place out and found nothing I would buy. Oh, I did get a hot dog. I've taken advantage of the stop and shop gas points for groceries. Last week, I was able to buy Visa gift cards ...
by Jack FFR1846
Sun Apr 15, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 1764

Re: Having Child; Car Purchase maybe?

With 2 kids, I had a 2001 Subaru Impreza. Much smaller than anything Lexus ever made. Pack n play, an umbrella stroller, a baby bag. What else would I need? Couple 5 gallon gas cans?
by Jack FFR1846
Sun Apr 15, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 23
Views: 1911

Re: Recommend airline luggage fitting in overhead bin?

Any chance to reduce what you bring with you? I used to travel for a living and survived by only carrying what would fit under the seat in front of me. Plenty of times where I get onto the plane and the overheads are all full.
by Jack FFR1846
Sun Apr 15, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: How much is too much in a Fidelity or VG account?
Replies: 22
Views: 3986

Re: How much is too much in a Fidelity or VG account?

Seeing classes of funds in Fidelity with minimums of $100M give me faith that a few million are probably not a problem.