Search found 681 matches

by corysold
Tue Dec 18, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 60
Views: 2465

Re: Kid schooling - not learning much academically. Looking for suggestions.

What is being ignored in this is the teacher. The school doesn't really matter, most schools teach the same general things. But the teacher can make a world of difference. Some teachers will differentiate instruction for each level of student. For example, my wife has four plans for each lesson. Eve...
by corysold
Mon Dec 17, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 49
Views: 2757

Re: Gift Ideas for wife

it's sad that you you think the random people on the internet know your spouse better than you I've thought this in the past...but then I got over it. It's not about random people knowing his spouse. It's about random people sharing creative ideas for gifts that maybe he hasn't thought of. Then he ...
by corysold
Mon Dec 17, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Impressive film in theater Dec 17 and 27 only
Replies: 14
Views: 2268

Re: Impressive film in theater Dec 17 and 27 only

Thanks for posting, I'm going to take my Dad who is a history buff.

If anyone is into WWI, Dan Carlin has a great podcast on the war, Blueprint to Armageddon, from his Hardcore History show. It was 5-6 shows, each 4-6 hours. Great info if you like that.
by corysold
Thu Dec 13, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21718

Re: What percentage of your net worth is your home equity?

Mine is about 83%. Which I now realize is terrible and puts me in last place on this thread.

To counter that, as of now, I no longer include home equity in my net worth.
by corysold
Wed Dec 12, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 48
Views: 5622

Re: New job, sales at Subaru

Zig Ziglar has some good books on sales. The names escape me at the moment, but Google him.
by corysold
Thu Dec 06, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 366
Views: 21053

Re: What are others paying for property taxes around the US?

IL $16,800 on 4300 sq ft assessed at $580,000
by corysold
Fri Nov 30, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4061

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

I'd junk it and buy a new (to you) 1 or 2-year old vehicle. Thanks. I’ve never junked a car before. Don’t need to replace it right away so can’t do a trade in. How do I junk it exactly? I've used Peddle.com in the past. They give you an online quote and send out a local shop to pick it up from your...
by corysold
Fri Nov 30, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is Wells Fargo doing a bait and switch with mortgage rate?
Replies: 24
Views: 2168

Re: Is Wells Fargo doing a bait and switch with mortgage rate?

On the other side, would you expect the banks to say "Yep, Wells Fargo is much cheaper and we can't beat them, I'd use them."?

Wells Fargo might not be totally above board, but I wouldn't use their competitors advice against them.
by corysold
Fri Nov 30, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4061

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

I'd junk it and buy a new (to you) 1 or 2-year old vehicle. Thanks. I’ve never junked a car before. Don’t need to replace it right away so can’t do a trade in. How do I junk it exactly? I've used Peddle.com in the past. They give you an online quote and send out a local shop to pick it up from your...
by corysold
Thu Nov 29, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 3327

Re: What would you do with $6,000 in gold and silver?

If you bought it as an investment, would you buy $6,000 again today? If not, selling it makes sense.

But if you bought it for your scenario #2, a doomsday type scenario where physical silver might be a benefit, you may want to keep it regardless of value.
by corysold
Wed Nov 28, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Gift tax question
Replies: 175
Views: 6667

Re: Gift tax question

Can you make do with $120,000 and do $60,000 now and the other $60,000 on Jan. 1st? That would eliminate all of the paperwork.
by corysold
Wed Nov 28, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Leveling basement floor
Replies: 15
Views: 1088

Re: Leveling basement floor

Are you set on using the flooring you've chosen? I used wood look vinyl planks in a portion of my basement and they seem to be working great. They are much thinner than laminate flooring so they just take to the shape of the floor. They have the wood look I was going for, but were self stick and a D...
by corysold
Fri Nov 16, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3642

Re: Home sale etiquette: wall repair

If they wanted a brand new home, they'd have bought a brand new home. They saw the home in the condition it was in when they made their offer. As long as nothing has been done since then, you are under no obligation to make any repairs to visible damage unless specified in the contract. It's a used ...
by corysold
Fri Nov 16, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5188

Re: Incompetent home inspector - what to do?

If you are still wanting to sell your house now, perhaps it is worth it to have your Realtor inform the buyers that their inspector made a bunch of errors. You are happy to invite them over to show them how these things operate and also pay for a second inspector to come through the home. You might ...
by corysold
Thu Nov 15, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Does it ever make sense to pay more tax intentionally?
Replies: 15
Views: 1689

Re: Does it ever make sense to pay more tax intentionally?

Thanks for the replies. So even if it would be beneficial, it wouldn't be legal, which I suppose makes sense or else everyone would do it.
by corysold
Wed Nov 14, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Does it ever make sense to pay more tax intentionally?
Replies: 15
Views: 1689

Does it ever make sense to pay more tax intentionally?

I've been thinking about this and I'm pretty sure the answer is no, but I'm no expert so I'm sure there might be a case it makes sense. I earn ~$25,000 in my job as a self employed paper carrier. Mileage deductions put my taxable income ~$13,500 which is what is being reported to social security. We...
by corysold
Tue Nov 13, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 2844

Re: Garmins & Fitbits: Worth it for non-athletes?

I used to use a Fitbit to track my waking heart rate and daily steps. Was able to indicate illness and overtraining.

I've had two and both managed to break down at 14-15 months, just after the warranty. I liked the product, but I wasn't willing to keep replacing it every year and a half.
by corysold
Mon Nov 12, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Finance software for couples
Replies: 4
Views: 835

Re: Finance software for couples

The cloud based You Need a Budget is great for couples. Updates everything across platforms instantly upon inputting transactions. I think it is much better for budgeting than investments, so it might depend on which end of the spectrum you fall on.
by corysold
Mon Nov 12, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2531

Re: Still spending too much on non-essentials

What's your goal here? What makes this non-essential spending "too much"? It sounds like you don't have a written budget. Budgets are great because they tell you both when you're risking spending too much but also when you have enough to spend. Your situation could be either of those, though frankl...
by corysold
Mon Nov 12, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2531

Re: Still spending too much on non-essentials

Is your goal to spend no money on anything but what you deem essential items? That's seems a bit draconian. But if you have your reason, go for it, but there is more to life than saving every dollar possible.
by corysold
Sun Nov 11, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 36
Views: 3812

Re: State retirement pensions thoughts?

Part would depend if you are eligible for social security along with the pension. In our state, they are not. Because of that, by federal law they are required to provide a pension that is equal to the social security that would have been earned. So I guess that is the worst case scenario.
by corysold
Sat Nov 10, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Alcohol related gift idea - nice glasses for drinking spirits?
Replies: 17
Views: 1499

Re: Alcohol related gift idea - nice glasses for drinking spirits?

There is something called a "Glencairn" glass that is made for drinking whiskey and similar spirits. The shape helps funnel the aroma to the nose to aid in tasting. https://www.amazon.com/Glencairn-Whisky-Glass-Set-4/dp/B003QX2JMA I have some, I'm no expert so I can't for certain say they are better...
by corysold
Wed Nov 07, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Christmas gift suggestions for 2.5 year old?
Replies: 20
Views: 960

Re: Christmas gift suggestions for 2.5 year old?

I agree with the membership idea. My grandmother would gift our family our local pool pass every year. It would get a ton of use all summer long. A local zoo, children's museum, history museum, arboretum, really anywhere you go that needs a membership is a great idea. Except the kid being talked ab...
by corysold
Wed Nov 07, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Christmas gift suggestions for 2.5 year old?
Replies: 20
Views: 960

Re: Christmas gift suggestions for 2.5 year old?

I agree with the membership idea.

My grandmother would gift our family our local pool pass every year. It would get a ton of use all summer long.

A local zoo, children's museum, history museum, arboretum, really anywhere you go that needs a membership is a great idea.
by corysold
Tue Nov 06, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7588

Re: Never thought of living in Bay Area but just got a call from Tesla

I guess I'd wonder why they aren't able to higher someone from the immediate area for the job.
by corysold
Tue Nov 06, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Growing into a house
Replies: 15
Views: 2317

Re: Growing into a house

We had a similar decision and chose to buy the smaller house with intention of moving up later. Then the market went South, my income went down and we were stuck in a bad school district and smaller than needed house for longer than we would have liked. On one hand it was good as my income was tied ...
by corysold
Mon Nov 05, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Buying a mini-van
Replies: 25
Views: 1839

Re: Buying a mini-van

Seems to me, as someone who loves our mini-van, that you should buy an iPad for your kid and rent a truck when you need to haul something. Unless you are hauling large items weekly, I'd never buy a minivan just for that. Every big box store has a pickup you can rent for that purpose for like $19. An...
by corysold
Mon Nov 05, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4160

Re: Mice [updated - not a mouse]

Did you get your Christmas tree yet? That's how Clark Griswold got a squirrel in his house.

But attic vent is more likely.
by corysold
Mon Nov 05, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5949

Re: Deal fell through and didn't get escrow money.....

What smells fishy is your friends Realtor who doesn't appear to understand, or is able to explain, how the contingency works in the contract. Rarely are the contingency date and the closing date the same. That was mistake #1. Usually a home sale contingency date is a month or so before the closing d...
by corysold
Tue Oct 30, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Washing machine/dryer shopping
Replies: 38
Views: 2883

Re: Washing machine/dryer shopping

If I could suggest anything, it would be to get a washer with a vertical agitator. The wash plates in the newer models don't work very well, despite what reviews suggest. I'd also get a unit that allows for custom fill options, allowing you to fill the tub fully. Washing clothes in a small amount of...
by corysold
Tue Oct 30, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9365

Re: Girlfriend's Student Loans

How much of this is because she is a "teacher" and not an "engineer"? I'm not an expert, but a quick search suggests a well educated teacher can have a similar mid career salary to a number of different engineers. I'm seeing salaries in the $70,000-90,000 mid career range for some engineers. Many te...
by corysold
Mon Oct 29, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get rid of PMI or pay off my car loan?
Replies: 28
Views: 1512

Re: Should I get rid of PMI or pay off my car loan?

Check your loan docs. My experience was that you only needed an appraisal if you were trying to use appreciation/improvements to claim 80% LTV. My first loan that had PMI had it cancel automatically when we got to 78% or original loan value, regardless of market price at the time. It was explained t...
by corysold
Sun Oct 28, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9365

Re: Girlfriend's Student Loans

I'm 32 years old, debt free and earn a decent income. My girlfriend and I were both previously engaged, so early into our relationship we talked about a number of serious topics such as marriage, kids, and finances. I was a little shocked when I found out that she had taken out over 100k in student...
by corysold
Fri Oct 26, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9365

Re: Girlfriend's Student Loans

As crazy as it sounds, it might be worth it for her to go back to school. Does her district have a salary structure where additional degrees equate to higher pay? In my wife's district, two masters degrees equals almost double what a teacher with only a bachelor's earns. Some districts pay for these...
by corysold
Thu Oct 25, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Indoor Play toys for toddler
Replies: 31
Views: 1824

Re: Indoor Play toys for toddler

My experience is the further away it is from an actual toy, the more interesting it is to a child. But as above, I think the bigger issue is expecting an 18 month old to play with the same thing for 20 minutes, much less 2 hours. My kids always like dress ups. Simple things like a superhero cape, di...
by corysold
Wed Oct 24, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Moves to make after welcoming 1st child
Replies: 16
Views: 1863

Re: Moves to make after welcoming 1st child

Determine what type of schooling you desire your child to have in the future. Public, Private or Homeschool. That will determine where you are willing to live at various points of your life. Determine how you are going to handle extracurricular activities. The costs can start to add up when you want...
by corysold
Mon Oct 22, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Cruise America RV rental experience?
Replies: 3
Views: 860

Re: Cruise America RV rental experience?

It was almost 20 years ago now, so I've no idea what relevance it may have, but I had a good experience with Cruise America. Took an RV from IL to New Orleans over New Year's. Went off without a hitch. But I got the sense it was somewhat like UHaul, where the business you rent from is the issue, not...
by corysold
Mon Oct 22, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4901

Re: Beer - Strong German Style Lagers

I fell in love with Edelstoff when I visited Munich. I do buy the German originals -- Ayinger, Andechs, even Augustiner -- here in the US sometimes. Agree with the other posters here -- most of the best beers are regional so knowing where you are would help. In the Chicago area there are a number o...
by corysold
Fri Oct 19, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Guidelines About Deposits on a Contractor Job?
Replies: 12
Views: 904

Re: Guidelines About Deposits on a Contractor Job?

I think a lot has to do with the size of the company. Some smaller companies might have cash flow issues to put out $10K in material before starting work. Bigger companies might not have that issue. How big is the driveway? $6,000 seems like a very good price for putting in a paver driveway, unless ...
by corysold
Thu Oct 18, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30618

Re: High End Wrist Watches (Gone Crazy)

It always fascinates me that so many people feel the need to barf on any thread that talks about high end watches. "I use my phone" "I don't wear a watch" "A $10 Timex tells time better" Yeah, we get it. It fascinates me that people post on a retirement/living frugal/investing forum about expensive...
by corysold
Wed Oct 17, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1394

Re: Would you ever buy a lottery ticket?

I generally buy a $2 ticket when it gets above $500,000,000. No rhyme or reason with that number, just what I consider enough.

I know the odds are long, but I always think, "someone is going to win".

I've wasted money on worse things.
by corysold
Tue Oct 16, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6425

Re: Personal Adventure - recommendations

How about driving the length of the Pan-American Highway? There are a few places you have to avoid, but I think it is doable with shipping your car a few times and flying a bit. Man I would love to do that! I just fear it might be too much "in the world" if you get my meaning. This would be somethi...
by corysold
Tue Oct 16, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6425

Re: Personal Adventure - recommendations

How about driving the length of the Pan-American Highway?

There are a few places you have to avoid, but I think it is doable with shipping your car a few times and flying a bit.
by corysold
Tue Oct 16, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: advice on first home
Replies: 28
Views: 1779

Re: advice on first home

45-50% of take home is an awful lot just for the payment. Add utilities and your looking at more than half your income just for housing. That doesn't seem sustainable unless you have a raise coming up.
by corysold
Tue Oct 16, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6425

Re: Personal Adventure - recommendations

Appalachian Trail would be similar.

Cross country bike trip. California to New York. Seattle to Miami. Etc.
by corysold
Mon Oct 15, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 5084

Re: Kids not interested in money / allowance

What are they allowed to do with their allowance? If they are made to save it, I can see why they don't care. Kids don't see long term like that. My kids aren't overly interested in money either and I have some about your age. We usually make them save half and they get to spend half. They get a sma...
by corysold
Mon Oct 15, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Driving Chicago to Washington D.C. in November - stop halfway?
Replies: 4
Views: 326

Re: Driving Chicago to Washington in November - stop halfway?

I was thinking the Monongahela National Park, but that might be a bit too far given where Oglebay is. That's probably closer to 9-10 hours from Chicago.

Morgantown is in that area and has a nice arboretum and some local parks.
by corysold
Wed Oct 10, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 6016

Re: What the heck is growing in my yard?

Not that this helps in your exact situation, but the Chicago Sun Times had an article on mushroom picking this morning. They do mention "hen of the woods" in the article with recipes if it turns out to be that. https://chicago.suntimes.com/environment/picking-mushrooms-hearing-crime-stories-primer-f...
by corysold
Fri Oct 05, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Security benefits: nea directinvest issues
Replies: 3
Views: 242

Re: Security benefits: nea directinvest issues

I don't have much to add, other than my wife uses the DirectInvest and we don't use an advisor for it. I set the entire thing up for her. I did call Security Benefit directly and talked to a rep (not a financial advisor, an actual Security Benefit customer service rep or similar) who helped walk me ...
by corysold
Fri Oct 05, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 330
Views: 47477

Re: Good Modern Science Fiction

I very much enjoyed "Seveneves" when I read it. Justin Cronin's "The Passage" Trilogy was pretty good I thought, though I liked Book 1 the best and thought it went down from there a little. Might be more pseudo-science fiction depending on your exact definition. Peter Watts "Starfish" might be worth...