Search found 642 matches

by corysold
Thu Oct 18, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 216
Views: 24966

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: 1220

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: 72
Views: 3481

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: 72
Views: 3481

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: 1520

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: 72
Views: 3481

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: 4725

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: 291

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: 5740

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: 217

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: 319
Views: 44955

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...
by corysold
Fri Oct 05, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3931

Re: Black suit with dark brown shoes?

The other thing to consider, beyond whether anyone actually cares or not, is the respect for the host. Presumably, someone or some organization is hosting this event. They requested, for whatever their reason was, for it to be a formal, black tie affair. Black tie calls for a tuxedo and black shoes....
by corysold
Thu Oct 04, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3931

Re: Black suit with dark brown shoes?

Nate79 wrote:
Thu Oct 04, 2018 8:51 am
I wouldn't go out and buy a pair just for this and when I travel I only bring one pair and dress accordingly. But really no one cares.
I don't think that's true. Many don't care. But some do and if you happen to have to interact with those who do, it can matter.
by corysold
Thu Oct 04, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3931

Re: Black suit with dark brown shoes?

Brown and black just don't go together. Yes, some others might be wearing it, that doesn't make it right. And no, nothing will probably happen to you if you do wear brown shoes with a black suit, but again, that doesn't mean you should. You don't specify what type of work trip it is, but if there is...
by corysold
Mon Sep 24, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5718

Re: Ripped off by a locksmith

I've read most locksmiths charge people before unlocking because people see how easy it was then refuse to pay. I'm curious as to what he could have done had you only agreed to pay $100 since your door was already open. Moral of the story- locksmiths should make it look hard to open the door. Then ...
by corysold
Mon Sep 24, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5718

Re: Ripped off by a locksmith

at our vacation home, we accidentally closed a locked door and left the house, the handle on the inside turns even though the outside is locked. It was around 10PM. Called a local locksmith, he said someone would be there within 25 minutes and price would be between $100-$150 depending on how long ...
by corysold
Thu Sep 20, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Landscaping costs?
Replies: 15
Views: 2245

Re: Landscaping costs?

This is both a very helpful and depressing discussion. We recently hired a landscape architect to prepare plans for our very small yard, about .1 acre total plat, maybe 1000 sq ft front, same in back, and 600 sq ft side. I have attempted xeriscape design but dw would like more intentional than my h...
by corysold
Wed Sep 19, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Landscaping costs?
Replies: 15
Views: 2245

Re: Landscaping costs?

Those don't seem to bad. I do some sidework in landscaping and that wall alone would be $3,000ish, depending on what type of brick and what else will go into it. Figure $10-15/foot for the patio depending on what type of style you do. Just with the hardscape you are at $8-12,000. $500-1000 for the r...
by corysold
Tue Sep 18, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Potential Water Leak Issue/Irregular Water Usage
Replies: 9
Views: 613

Re: Potential Water Leak Issue/Irregular Water Usage

Water can flow into a toilet at least a gallon a minute. So if it is leaking, it would add up to quite a bit over a day. 60 gallons an hour, 1200+ gallons a day. The fact it isn't leaking all the time would increase usage by a percentage of that amount, or what you are seeing.
by corysold
Mon Sep 17, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4824

Re: Dilemma: Add room to current house or buy new house?

Just to be fair to the OP, not all square footage is created equal. It sounds like he is including a lot of non-livable space in the 6000. A well planned out 1800 square foot house can feel bigger than a poorly planned 3200. I've seen big houses where all the square footage was in enormous master cl...
by corysold
Mon Sep 17, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4824

Re: Dilemma: Add room to current house or buy new house?

I'd look for other quotes.

$150,000 for a 300 foot sunroom seems astronomical to me.
by corysold
Mon Sep 17, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3464

Re: a low grade in a 9th-grade test

I'd say it's one test and to see how it goes. Also of note, that the requirements for good grades in high school are likely different than that of 8th grade. Study/note taking habits need to progress with the difficulty of the courses. That said, the quality of the teachers matter as well. Just beca...
by corysold
Fri Sep 14, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4542

Re: WSJ print edition renwal time - any discounts?

Nobody asked but I pay a bit over $40 a month for the failing NY Times I already cancelled our local paper a year ago after tiring of negotiating the annual renewal The Times has been at our doorstep for decades from state to state yet cost may be finally reaching the tipping point They keep thanki...
by corysold
Thu Sep 13, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 3048

Re: How to determine quality of a finished new construction home

Might be worth it to ask for blue prints and spec sheets. Also good to know the local codes in the area, as the house was built at least to that spec, so you have a minimum value for insulation and such. Somethings you can see by peeking around. Poke your head into the attic and see how insulation t...
by corysold
Wed Sep 12, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2694

Re: Utility usage way up

First I'd check the billing cycle dates. Our vary from 26-34 days for seemingly no rhyme or reason. Also, sometimes ours are read both at that start of the month and the end. Sometimes the end is approximated, which can throw things off. Outside of those two, no 3 degrees shouldn't be a 50% increase...
by corysold
Thu Sep 06, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: returns for the next decade
Replies: 40
Views: 4271

Re: returns for the next decade

Why did you do the 80's and 90's, but all of the 2000's?

I'm showing a return of 14.28% if you just do the decade 2010-Present. That doesn't seem so bad.

The 2000's were the bad decade at 1.21%
by corysold
Thu Sep 06, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2164

Re: Phone Calls from Windows saying computer has Malware

I've gotten similar calls.

It's a known scam, so unless you've contacted them and are expecting a call back, I'd hang up and ignore it.
by corysold
Thu Aug 30, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3219

Re: Piano for a child

You can buy a digital piano, or even a keyboard with weighted keys. The weighted keys are the big factor as they mimic an actual piano. Cheap department store keyboards have plastic keys with no "weight" to them. They don't resist when you push on them like an actual piano does. Digital pianos/keybo...
by corysold
Tue Aug 01, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 9813

Re: How far off are Zillow's estimates?

Zillow fluctuates quite a bit. Our home went from an estimate near the purchase price, to +$120,000 in 9 months. Then, one day, it went to $10,000 under purchase price, where it has been for a few months. The worrying thing to me, is that the increase is reflected nowhere in the past data. So it is ...
by corysold
Fri Jul 21, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Are my parents a good fit for Vanguard Advisory Services?
Replies: 11
Views: 1608

Re: Are my parents a good fit for Vanguard Advisory Services?

If they have nice pensions and SS, why do you want to get involved and risk their possible unhappiness with your assistance if they go to Vanguard and the market (stock or bond market or both) takes a dive? This is a major issue since you say this about your mom: "Just really isn't interested in kn...
by corysold
Thu Jul 20, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Are my parents a good fit for Vanguard Advisory Services?
Replies: 11
Views: 1608

Are my parents a good fit for Vanguard Advisory Services?

My parents are about 3 years out from retiring. I try not to be too involved in their finances, they are pretty well set with pensions and social security. They (my mom) have an IRA with Morgan Stanley with low-mid six figures in it. In discussing it with her, she has no idea how much she pays, what...
by corysold
Tue Jul 18, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rates in 3 years?
Replies: 26
Views: 3227

Re: Mortgage Rates in 3 years?

I think what you are doing is very prudent. Especially the part about setting expectations. $80,000 is a very good salary, but I wouldn't say it is "buy a big house" salary, even in a lower cost of living area, which Boston isn't. Your budget suggests a monthly payment of $1,650. It seems property t...
by corysold
Tue Jul 11, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Advice on buying a musical instrument
Replies: 24
Views: 2265

Re: Advice on buying a musical instrument

I'll concur that how you plan to use the violin matters. If it only for your personal use and you like the rental, no reason not to buy it and use it. Unless you have a need for the additional sound quality, there isn't a huge need to upgrade at this point. Down the road, sure, but it doesn't have t...
by corysold
Thu Jun 29, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Helping MIL with FIL finances after death
Replies: 3
Views: 921

Helping MIL with FIL finances after death

My FIL passed away a few months ago and my MIL is working to get the financial situation he left behind in order. I'm trying to help her get a general understanding of the issues so she has a basic understanding before talking to the attorneys and accountants. There a few issues to figure out. As a ...
by corysold
Fri Apr 21, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: No Stress Chess board game for 7 year old
Replies: 13
Views: 1635

Re: No Stress Chess board game for 7 year old

See if there is a local chess group. Many meet weekly at a library or coffee shop or similar. It's a great way to learn different styles of play, play different styles, meet other players of different skill, etc.
by corysold
Fri Apr 21, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Tangible benefit to "Getting your name out there" for employment?
Replies: 5
Views: 777

Re: Tangible benefit to "Getting your name out there" for employment?

Go for it. Internships usually lead to some sort of future employment IF you want to work in that place again. It will definitely get your name out there. Since you seem young and willing to work hard why are you wanting a hard job that might not pay much and seems like a low level career? Please a...
by corysold
Fri Apr 21, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tangible benefit to "Getting your name out there" for employment?
Replies: 5
Views: 777

Tangible benefit to "Getting your name out there" for employment?

I'm hoping to land a job at the city where I live in one of the labor divisions. I recently applied for one that was open and didn't even get an interview. I don't have much applicable work experience, though Street Laborer isn't exactly rocket science. They've posted a Temporary Summer Laborer posi...
by corysold
Fri Apr 21, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 3898

Re: Building your own fence

It is a DIY project as mentioned above. If you are doing the 4 foot vinyl sections, be sure to have a good layout of the fence ahead of time if your yard has any slope to it. Decide if you want it to follow the slope or be even across. This depends on how much slop you have. But with the sections, y...
by corysold
Wed Apr 19, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Adult child lack of availability at tax time.
Replies: 24
Views: 2692

Re: Adult child lack of availability at tax time.

I think letting the IRS contact him is a great idea.

He is an adult. Unless he is a mental state where he actually needs your help, you should stop providing it. Doing your adult sons taxes is doing him no favors.
by corysold
Wed Apr 19, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 35
Views: 5285

Re: Weight loss and investing

Good thread. One way to do better at both is to think of the money you had to spend to become overweight. You likely paid for the food to eat to gain every extra pound you now want to lose. So losing weight is good for your finances. Besides, losing/maintaining weight is easy, just don't eat anythin...
by corysold
Fri Apr 14, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: RV Rental
Replies: 25
Views: 2973

Re: RV Rental

I did all of the driving and it wasn't bad at all. Not much different than a moving truck. I think ours was around 25'. [...] For 10 guys on a college road trip it was great. You know your family, so you'll have to decide what you like. You crammed 10 guys into a 25' RV from CruiseAmerica? Yes. Mig...
by corysold
Thu Apr 13, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: RV Rental
Replies: 25
Views: 2973

Re: RV Rental

I did one from CruiseAmerica 15 years ago, which really makes me feel old. I doubt the pricing is relevant anymore, but I recall it being about $1,500-1,800 for the week. The big benefit was not having to worry about hotel rooms. We went to New Orleans around New Year's, so we were able to just park...
by corysold
Wed Apr 12, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 3399

Re: Week in San Diego - What to do?

There is (or was last time I was there) a Ghiradelli's in the Gas Lamp district. Nice place to walk around for an evening and I'm sure you could find a restaurant to eat at.
by corysold
Mon Apr 10, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Help me decide what to do with my cars
Replies: 34
Views: 2584

Re: Help me decide what to do with my cars

What type of minivan are you looking at? I would think you could essentially trade the Subaru for a used minivan and come out pretty close to even. Keeping the Civic seems like a no brainer. However, the only minivan I'm aware of with a close enough to full size middle seat in the middle row is the ...
by corysold
Thu Apr 06, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: How to buy a car with a Lightstream loan?
Replies: 10
Views: 4499

Re: How to buy a car with a Lightstream loan?

I apply for the loan online and am approved. How much do I go for? The full amount of my current OTD price, even though I have tried to negotiate yet and am not sure how much I want to put down? A bit more than that and just pay back anything I don't use? What if I end up not liking the car, but th...
by corysold
Thu Apr 06, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: How to buy a car with a Lightstream loan?
Replies: 10
Views: 4499

Re: How to buy a car with a Lightstream loan?

It has been a long time since I had a car loan but I am 99.999% sure that the lender will not give you a check to put into your account since you could just run off with the money. That is exactly how it works with Lightstream Auto loan- they put the money in your account- you can then go buy whate...
by corysold
Thu Apr 06, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: How to buy a car with a Lightstream loan?
Replies: 10
Views: 4499

How to buy a car with a Lightstream loan?

I've found a used car I'm interested in, but a bit unsure on how a loan like Lightstream (or other similar lenders, I haven't looked at them all yet) would work. I haven't actually driven the vehicle yet but will be going in the next few days. But I'm short on time so I'd like to be in and out in on...
by corysold
Tue Apr 04, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 3366

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

How much do you like your stuff? My brother-in-law and sister-in-law are moving and they are just selling all of their large furniture and buying new (or old, new to them) items upon arrival. They figure the cost is pretty even by the time they pay for the truck and they can make sure everything the...
by corysold
Tue Apr 04, 2017 8:07 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 159
Views: 22250

Re: Social Security for Millennials

I agree the number is too small to really make any fundamental changes to your planning. The current average benefit is about $1500/mo. Take 79% of that and you get $1185/mo. Certainly a difference, but assuming SS isn't accounting for all of your retirement, I don't think that $315/mo is really goi...