Search found 707 matches

by corysold
Fri Jan 18, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 6957

Re: How much house can I afford (really)?

No, asshole. I'm trying to be open and honest with a situation for which I genuinely want objective advice. You've jumped to conclusions and judged my character very harshly with the limited information that I've posted. You are the ENTITLED ONE and believe I should provide whatever information you...
by corysold
Thu Jan 17, 2019 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 190
Views: 12081

Re: Why are you NOT buying rental properties?

Where do you guys get all of these loser tenants? I know people need a place to live but didn't you do a credit check? eviction history? salary? :oops: The point is, it only takes one really bad tenant to really do a lot of harm. We did all those things you mentioned and no issues came up at all. T...
by corysold
Wed Jan 16, 2019 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 190
Views: 12081

Re: Why are your NOT buying rental properties?

Every single person I know who has been a landlord on the side has experienced a nightmare tenant who damaged the property extensively and also had to be evicted which was a long,drawn out, expensive and exhausting legal process. Some real estate appreciates at 4% per year. My house was probably ap...
by corysold
Tue Jan 15, 2019 10:48 am
Forum: Investing - Help with Personal Investments
Topic: CIT savings builder account ?
Replies: 14
Views: 995

Re: CIT savings builder account ?

I've seen conflicting reviews on both of those issues, so perhaps it is something they are improving on? I recently opened an account and didn't have any issues at all. I figure it is just a savings account I'll push money to monthly and take out rarely, how bad can it be? I guess time will tell.
by corysold
Tue Jan 15, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Would like some advice on a family minivan
Replies: 17
Views: 1076

Re: Would like some advice on a family minivan

It may have changed since 2013ish, but when we bought our Odyssey we did so because of the near full size 8th seat in the middle of the second row. It can be removed, but we use it. You said you had a large family, so depending on how large, that might be something to consider. At the time, it was t...
by corysold
Mon Jan 14, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: golf clubs
Replies: 17
Views: 1358

Re: golf clubs

It all depends on how much you play and what your goals are. If you play 5 times a year and don't really care about your score, look on eBay, clearance in the fall at sporting goods, garage sales, craigslist, etc. Any full set that fits less than 10 years old is perfectly fine. If you are trying to ...
by corysold
Fri Jan 11, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20248

Re: $40,000 in debt, bankruptcy seems to be the best option right now

get a high paying job ... is not that difficult. You're right, we should all just go grab those high paying jobs. They're everywhere. Look, there, in the tree! :oops: While "high paying" might not be available, I'm sure there are side jobs that are. All the budget savings in the world isn't going t...
by corysold
Fri Jan 11, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage credit card use with monthly budget
Replies: 37
Views: 2311

Re: How do you manage credit card use with monthly budget

YNAB does download all transactions automatically for any accounts you've linked. It usually updates every hour, so everything is based on when you bank clears it. You can add them manually as well and it automatically matches them when they clear, so you don't get double transactions. It's a nice w...
by corysold
Thu Jan 10, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5512

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Not specifically your situation, but I think that is doable, especially once the kids are out of car seats. Our second car is a Prius and I take 4 kids in there, 1 in front, quite often and they seem to fit just fine. A mini-van is nice and it might be nice to be able to drive an extra person around...
by corysold
Thu Jan 10, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: How do you manage credit card use with monthly budget
Replies: 37
Views: 2311

Re: How do you manage credit card use with monthly budget

We pay off our credit card the last day of the month, even though it isn't actually due until 10 days into the next month. That way, we can close out each month with enough to start the next month, similar to your buffer, we need $2500 on the first of each month to pay rent and a few other bills due...
by corysold
Thu Jan 10, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: January "Bogleheads on Investing" podcast with Gus Sauter now available
Replies: 32
Views: 2326

Re: January "Bogleheads on Investing" podcast with Gus Sauter now available

Just wondering if there is a reason you limit the episodes to roughly an hour. Is that on your end or the guests?

Great job with these, I've enjoyed them all.
by corysold
Wed Jan 09, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 88
Views: 6686

Re: Child # 3 - seeking advice from older members

I went to a dermatologist today and he has 8 kids, make 3 kids seems small in comparison. The CEO of my employer has 12, 10 of which work for the company. He's worth well into 9-figures, just donated enough to have a new building at the local university named after him, and they still live in the r...
by corysold
Mon Jan 07, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Buying dress shoes from overseas
Replies: 9
Views: 393

Re: Buying dress shoes from overseas

If you know what size you are in Allen Edmonds, do a google search for comparative sizes across brands. I've seen charts done that compare all of the major brands by size/width and from what I've read, work pretty well. Visiting a men's fashion site, Ask Andy or Badger and Blade come to mind, will y...
by corysold
Mon Jan 07, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 88
Views: 6686

Re: Child # 3 - seeking advise from older members

I can't to the older wisdom portion of your question, but we have 6 kids and I can say that the jump from 2 to 3 was the hardest. Just something about going from being able to give each one on one attention at all time, to not being able to. We have a similar spread in ages to you as well, so it is ...
by corysold
Mon Jan 07, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20248

Re: $40,000 in debt, bankruptcy seems to be the best option right now

If you're looking for additional income, it might be worth considering a local newspaper route. Should be able to clear $750-2000 month and the hours shouldn't interfere with your regular work hours.
by corysold
Fri Jan 04, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Wife spends too much money on housewares / decorating stuff.
Replies: 39
Views: 1542

Re: Wife spends too much money on housewares / decorating stuff.

What if you gave her an envelope of cash every month for house decor spending. When it's gone, it's gone. That will only work though if she is truly willing to cut spending.
by corysold
Wed Jan 02, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1440

Re: Black licorice fans - suggestions?

Wiley Wallaby would have been my suggestion, but there aren't many other choices by me. Perhaps a Cracker Barrel or an old-style candy shop might have some more options. I know there are some online candy stores that specialize in older candy varieties, maybe a google search. I feel like I got some ...
by corysold
Mon Dec 31, 2018 9:43 am
Forum: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8082

Re: My favorite Boglehead posters

All the big ones have been mentioned, but my favorite part is how they all have such a niche of expertise. Just based on thread titles, you can usually know who is going to be coming in with the expert information. That is invaluable. I haven't seen Krow36 mentioned, he always helpful when 403b topi...
by corysold
Fri Dec 21, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Basement minimum height requirement -- can I ignore until house sale?
Replies: 34
Views: 2643

Re: Basement minimum height requirement -- can I ignore until house sale?

They make 1/4" drywall. As long as you have your joist to screw to, there won't be any sagging. I'd argue 1/4" is probably pretty close to the margin of error on a regular tape measure. Unless your inspector is the most diligent inspector ever... Heck, you probably have a 1/4" play just in your floo...
by corysold
Thu Dec 20, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2018
Replies: 36
Views: 2545

Re: Best Albums of 2018

I like the two songs released from O.A.R.'s new album, The Mighty, which isn't technically coming out for a few months, but you can listen to 20% of it.
by corysold
Thu Dec 20, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Stoic philisopher of Rome: Epictetus
Replies: 39
Views: 2790

Re: Stoic philisopher of Rome: Epictetus

Its difficult for me to accept that because nowhere does it analyze what we can control. Are we responsible for our countries actions abroad? If not then its easy to ignore. If we accept responsibility then how much? What duty do we have then to stop or support it? Who decides this? Nowhere have I ...
by corysold
Thu Dec 20, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Stoic philisopher of Rome: Epictetus
Replies: 39
Views: 2790

Re: Stoic philisopher of Rome: Epictetus

Its irritatingly reductive philosophy. St what point does one’s own stoicism lead to faulty inaction that affects others. Who gets to decide when its acceptable to react in one situation but in another its overreaction. Sure ignoring news or finding a way to observe it without reacting strongly can...
by corysold
Thu Dec 20, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Considering living with Mother in law (MIL)
Replies: 34
Views: 3597

Re: Considering living with Mother in law (MIL)

We moved into an in-law suite arrangement a few years back. The biggest thing to me was a relationship shift for my wife and her parents. It went from a very healthy relationship to a reversion to almost childhood dynamics if that makes sense. They didn't really see her as almost 40 with a family, b...
by corysold
Wed Dec 19, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Pesticides for residence
Replies: 26
Views: 1668

Re: Pesticides for residence

I use, and love, Cyper WP. It's a residual powder you add to a sprayer with water. Lasts a long time, especially in LA where you don't get much rain. I use it for wasps, spiders, ants etc. Hasn't failed yet. A few applications a year in the Midwest and I'm good to go. I use it indoors as well, no sm...
by corysold
Wed Dec 19, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Saving on Home Improvement Repairs
Replies: 29
Views: 1752

Re: Saving on Home Improvement Repairs

Youtube is a great place to start and I'd guess you can find a lot of information there. Look at your library as well, there are hundreds of home repair books out there. It might be worth a call to your local building inspector to ask if they will instruct you on the various permits and what exactly...
by corysold
Tue Dec 18, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Non-budgeters: How do you handle large purchases?
Replies: 47
Views: 3542

Re: Non-budgeters: How do you handle large purchases?

This seems like another of those semantic arguments. I don't budget, I just allocate my finances into specific categories for later spending. If you are at all putting money into different "buckets", you are budgeting. It might not be as meticulous as someone who tracks every penny they spend, but i...
by corysold
Tue Dec 18, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

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: 76
Views: 5494

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: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]
Replies: 52
Views: 6613

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: 22075

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: 62
Views: 7687

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: 375
Views: 22338

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: 4192

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: 2241

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: 4192

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: 3441

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: 6914

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: 1123

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: 3680

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: 5241

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: 1703

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: 1703

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: 2879

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: 854

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: 2549

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: 2549

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: 3839

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: 1524

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: 970

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: 970

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.