Search found 227 matches

by Millennial
Thu Sep 19, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 33
Views: 2888

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

We recently got three chairs from joybird and sent them back. Fulfillment was a mess, and there were quality issues with the pieces.

I recommend trying campaign - a lot less selection, but not far in style from what you're looking for. And the quality of construction is much, much higher.
by Millennial
Tue Aug 06, 2019 3:33 am
Forum: Personal Finance (Not Investing)
Topic: FYI, Spanish bank ATMs
Replies: 49
Views: 3325

Re: FYI, Spanish bank ATMs

Good spot! This scam exists in many countries, and happens whenever someone other than your credit/debit card company does the currency conversion. It can also happen at businesses like hotels, or at point of sale systems. The only way to avoid it is to force the ATM to process the transaction in fo...
by Millennial
Sun Aug 04, 2019 5:46 am
Forum: Personal Consumer Issues
Topic: Mortgage application and credit inquiry
Replies: 1
Views: 274

Re: Mortgage application and credit inquiry

Yep, two hard inquires when we purchased last year, pre-approval and before closing.
by Millennial
Sun Jul 28, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Ghosted by IKEA after warranty claim
Replies: 49
Views: 5293

Re: Ghosted by IKEA after warranty claim

iKeA is about low cost, no frills, cheap stuff. Ok for college etc but easily collapses under its own fiberboard weight. They certainly sell products that fit your description, but they also sell some pretty high end stuff. The kitchens are well reviewed and generally seen as good value against sim...
by Millennial
Tue Jul 02, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: how do couples work together on home finance
Replies: 60
Views: 4822

Re: how do couples work together on home finance

We have all joint accounts (except IRAs, of course). My wife handles the weekly and monthly budgets. This includes projecting payments and transferring from checking to savings when possible. I handle all long-term, so 529, 401k, Roths, brokerage account, emergency fund, and savings. We work togethe...
by Millennial
Wed Apr 24, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Digital Nomad - Automobile Insurance Issues
Replies: 18
Views: 1333

Re: Digital Nomad - Automobile Insurance Issues

I had a coworker do this, and he registered his car to one of our offices. Seemed to work fine, we scanned in some of his bills periodically.
by Millennial
Wed Apr 24, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Wifi extenders vs Mesh network
Replies: 54
Views: 4340

Re: Wifi extenders vs Mesh network

Mesh for sure. Extenders have too many compromises. I bought one and wish I didn't, as I ended up with a mesh system 2 months later.
by Millennial
Wed Apr 17, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to find an engineer to inspect a dam wall
Replies: 27
Views: 1981

Re: How to find an engineer to inspect a dam wall

Call civil and geotechnical engineers in your area. This is a little specialized so you might not get the right firm on your first try, but if they say it's not in their skill set ask for a referral. Separately, research (and ask the engineer) if your state has an Office of Dam Safety or something s...
by Millennial
Wed Apr 17, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2935

Re: Insurance Advice after bicycle accident

The other cyclist made an illegal maneuver which started the chain reaction. He tried passing the car over double solid yellow lines. The car hit the other cyclist, then his brakes hard and did a small swerve, my wife hit the trunk of the car and went over it. So your wife damaged the car? In a sit...
by Millennial
Tue Apr 09, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Buying and Reselling Used Car Every Year as a Used Car Buying Strategy?
Replies: 21
Views: 1515

Re: Buying and Reselling Used Car Every Year as a Used Car Buying Strategy?

He pays sales tax every time, $$$$ Depending on the state, he pays registration fees every time $$$$ He spends a lot of labor hours finding these deals. It may not be a bad plan overall, and he might be able to come out a little ahead, but IMO you need to think of this as more of a hobby than a stra...
by Millennial
Sun Mar 24, 2019 5:10 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 6265

Re: Family man who misses driving a fun car

I think you hit it with the 3 series. There are F31s (latest gen, wagon) in RWD manual configs. If you refer to space when you say SUVs are practical, this might fit the bill.
by Millennial
Fri Mar 22, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5848

Re: Do you still wear a necktie to work?

Young 30s engineering manager here. I wear a tie to work about 10% of the time. Suit about 2%. Mostly based on client interaction and how they will be dressed, or when we're interviewing for competitive work. For shirt tie combos I usually stray a little to the nerdy/hipster side as it matches my ag...
by Millennial
Thu Mar 14, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 9043

Re: Tesla Model Y

randomguy wrote:
Thu Mar 14, 2019 5:17 pm
Just add 12 months and 15k to whatever they announce😄 there are a ton on 2020-2022 EVs announced. Will have to see what ships and pick what meets your needs.
The timing comment is fair, but they hit their price commitment with the Model 3. Why think they won't this time?
by Millennial
Mon Mar 11, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Renting in Boston - how difficult with a pit bull?
Replies: 48
Views: 3533

Re: Renting in Boston - how difficult with a pit bull?

I'm a landlord in the Boston area. I don't allow dogs at all. Nothing against them personally, but I am worried about the additional wear and tear and there are plenty of qualified renters without dogs. I do allow cats with references. I have also let responsible, long-term tenants dog sit for a few...
by Millennial
Tue Mar 05, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Options to repair Appliances
Replies: 15
Views: 798

Re: Options to repair Appliances

If you have the time and inclination, repairclinic.com is a great resource. Otherwise, you can check reviews for local independent repair places on yelp.com and similar sites. This is great advice. I am a landlord so I have more than just one set of appliances to fix. I've had great luck with repai...
by Millennial
Tue Mar 05, 2019 6:28 am
Forum: Personal Consumer Issues
Topic: Global Entry Application turnaround times?
Replies: 35
Views: 4396

Re: Global Entry Application turnaround times?

I was conditionally approved in less than a week. I've got an interview scheduled for 2 weeks out. Similar here for our son, except his interview was scheduled during the shutdown and was therefore cancelled. We were able to reschedule when the shutdown ended and got a spot about three weeks later.
by Millennial
Mon Mar 04, 2019 9:38 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9512

Re: Why do you live where you live?

Somerville, MA - Vibrant and diverse city - Very progressive - On the Boston subway system - Great access to arts and culture, with word class museums and great small music venues especially - Great career opportunities for me and DW - Lots of great friends here - Active and outdoorsy population - G...
by Millennial
Sat Mar 02, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 92
Views: 9120

Re: Sellers beware on eBay.

When this happened to me, they would not even consider any information. I spoke with a manager who sounded like a native English speaker, and she told me that there was literally nothing I could say or do to stop the buyer from getting a refund, with me paying shipping both ways. It was the last ite...
by Millennial
Sat Mar 02, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 92
Views: 9120

Re: Sellers beware on eBay.

I don't understand. You are buying USPS postage either way, just at a somewhat discounted rate via the eBay/Paypal portal. It has the same validity as if you bought it retail yourself but is cheaper and generally more convenient. And if you buy it via the portal it will automatically add the tracki...
by Millennial
Wed Feb 27, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 9038

Re: How often do you and your friends change engine oil?

There aren't many cars that need four changes a year, unless you're putting on some serious mileage. My VW Golf requires full synthetic ($$$ ☹️) but it's a 10k mile interval, so at least I don't have to do it that often. I change it myself and I do it about every 9 months or so based on my driving....
by Millennial
Tue Feb 26, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 9038

Re: How often do you and your friends change engine oil?

There aren't many cars that need four changes a year, unless you're putting on some serious mileage. My VW Golf requires full synthetic ($$$ ☹️) but it's a 10k mile interval, so at least I don't have to do it that often. I change it myself and I do it about every 9 months or so based on my driving....
by Millennial
Mon Feb 25, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 9038

Re: How often do you and your friends change engine oil?

There aren't many cars that need four changes a year, unless you're putting on some serious mileage. My VW Golf requires full synthetic ($$$ ☹️) but it's a 10k mile interval, so at least I don't have to do it that often. I change it myself and I do it about every 9 months or so based on my driving. ...
by Millennial
Sun Feb 24, 2019 10:10 pm
Forum: Personal Consumer Issues
Topic: Asphalt Resurfacing and Replacement Costs
Replies: 5
Views: 869

Re: Asphalt Resurfacing and Replacement Costs

How long asphalt lasts depends totally on the quality of the subsurface prep and usage. 25 years sounds pretty typical for average conditions. Resurfacing (called mill and overlay in our area) is appropriate if only the top course (aka wearing course) is failing. Spalling or small cracks, etc. If yo...
by Millennial
Fri Feb 22, 2019 8:54 am
Forum: Personal Investments
Topic: Retirement plan for two physician office
Replies: 18
Views: 2454

Re: office retirement plan

I wonder if a retirement plan for all (employees and owners) can be set up such that: X% in retirement plan for income upto Z plus Y% for income exceeding Z. Then X, Y, and Z can be determined such that it is satisfactory for both employers and employees. Employees may be willing to take a 50 cent ...
by Millennial
Wed Feb 20, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: purchasing new furnace tips
Replies: 35
Views: 1906

Re: purchasing new furnace tips

I suggest looking in to a heat pump, either ducted using your existing ducts or (better yet) ductless. It will be great for your climate, super cheap to run and you'll get AC. Ductless units are sometimes called "mini splits", but that term can aslo refer to ac-only units with no ability to heat.
by Millennial
Mon Feb 18, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 11859

Re: Wife filled our gas engine car with diesel fuel

The diesel nozzle is bigger to stop people putting diesel where gasoline should be. It works most of the time. But it can be defeated by a combination of determination and ingenuity. This must be a regional thing... I drove a diesel for a few years, and it's filler hole was definitely made to accom...
by Millennial
Fri Feb 01, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: Would a heat pump or gas furnace help?
Replies: 19
Views: 1660

Re: Would a heat pump or gas furnace help?

Our old house had a regular gas furnace. This hydroair system is new to me since we moved here 4 years ago. A large quantity of antifreeze was added one year ago and 3 years ago, at considerable expense. I remember the HVAC contractor stating that there is some loss from the system that gets topped...
by Millennial
Fri Feb 01, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Would a heat pump or gas furnace help?
Replies: 19
Views: 1660

Re: Would a heat pump or gas furnace help?

Something is wrong here... Where is the antifreeze going? In our last house (owned 8 years), we had heat lines go through unconditioned space. Previous owners had added antifreeze, we never added any... Never had a freeze
by Millennial
Mon Jan 21, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: House For Sale By Owner - Suggestions Welcome
Replies: 40
Views: 2911

Re: House For Sale By Owner - Suggestions Welcome

As another potential option, do you have redfin or a similar discount brokerage active in your area? We sold a house last year in a very competitive area (normal schedule is house lists Wednesday, OH sat/sun, offers due Monday night or Tuesday morning - >75% of houses follow this schedule and go und...
by Millennial
Sat Jan 19, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Buy house without agent
Replies: 55
Views: 4831

Re: Buy house without agent

Buyer broker and buyer agent is the same thing said differently. The terminology can be different in different parts of the country but they are very different things. The traditional real estate agent who takes you around to a dozen different houses is paid by the seller at closing. Depending on y...
by Millennial
Sat Jan 19, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: What do you read?
Replies: 10
Views: 625

Re: What do you read?

Yes, and probably right around the average of one book per month. I have a list of classics and older books that I mean to read "at some point," but I also try to find a few new books (via NYT and NPR recommendations). Most of those have waiting lists at my library (I read ebooks on a Kindle for th...
by Millennial
Sat Jan 19, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: diagnostic fee for car under warranty?
Replies: 15
Views: 2778

Re: diagnostic fee for car under warranty?

Not standard at all. We have a 2017 VW and a 2018 Tesla, both have required warranty service (the VW's was much more substantial) and neither dealer said anything like this to me.
by Millennial
Sat Jan 19, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: What do you read?
Replies: 10
Views: 625

Re: What do you read?

Yes, and probably right around the average of one book per month. I have a list of classics and older books that I mean to read "at some point," but I also try to find a few new books (via NYT and NPR recommendations). Most of those have waiting lists at my library (I read ebooks on a Kindle for the...
by Millennial
Fri Jan 18, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 3398

Re: What shelf liquor and your favorite cocktails?

I have always had a tough time navigating the internet regarding spirits and cocktails... both with sites (many recipe and review sites seems to be written with little/no rigor, just looking for clicks) and forums (where many posters seem to have different goals than my own). After looking at a lot ...
by Millennial
Sun Jan 13, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Credit Karma Free (Fed + State) Tax Filing?
Replies: 5
Views: 565

Millennial

I used it for the last two years. It worked well overall, and I especially like the feature that allows you to print and review your whole return prior to filing. Since it's a free service, they are not protective of this like the others. OTOH, they did not support the line on my state taxes that wo...
by Millennial
Sun Jan 13, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Preventative home & auto checks
Replies: 30
Views: 2472

Re: Preventative home & auto checks

Home water pressure check. I have a water pressure testing gauge that attaches to an outside faucet. I check the pressure every 6 months (I'm looking for about 60 PSI). Pressure regulators have a finite life (maybe 10 years), and when they fail, you get full street pressure. The street pressure whe...
by Millennial
Sat Jan 12, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 57
Views: 4899

Re: Paying "cash" for auto - possibly w regular credit card?

With my first car purchase, dealer had a $2500 or $3k limit but when I went to pay I told them I really needed $5k on the card to "make it work" and they allowed it (Subaru). More recently buying a VW I paid with a personal check and the dealer wouldn't allow even a dollar on the CC. That dealer was...
by Millennial
Sat Jan 12, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Financing home remodel
Replies: 4
Views: 525

Re: Financing home remodel

This is very tough to answer without understanding your current retirement and non retirement savings, expenses, income, and home equity. I might revise this based on more information, but my gut is to put the options in this order (best to worst): 1 - save and wait on the renovation until you can p...
by Millennial
Fri Jan 11, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 205
Views: 33579

Re: Millionaire by 40 and How you Did it?

tl;dr: professional jobs, thoughtful spending, and some luck with real estate. Wife and I are both 33, with a 1 YO son. Left college with little debt (<$20k each, very low interest rates) and paid it off. Two professional jobs starting in the mid 60k range and now around $125k. Started with 401ks to...
by Millennial
Fri Jan 04, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant CU 3/2.5% Visa application process
Replies: 18
Views: 1461

Re: Alliant CU 3/2.5% Visa application process

I applied in September, and a portion of my income is rental income is from rental properties (reported on Schedule C). I needed all of my income as they have a strict limit on debt to income, and they were counting rental property mortgages in my debt. I actually had to add my wife to get the incom...
by Millennial
Mon Dec 24, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: French Press recommendations
Replies: 24
Views: 1557

Re: French Press recommendations

I prefer glass. Metal must be preheated or you’ll have a lower temperature and thus not optimally brewed coffee. Some even say they have to microwave their coffee before they drink it. Also I read there can be a horrible screeching sound of metal on metal when the plunger is pushed down. Think fing...
by Millennial
Thu Dec 13, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 36
Views: 2584

Re: Audi S4 vs S3

In the current generations, I'd get an S3. That 2.0t is a masterpiece. However, IMO the better choice would be to get the Golf R so you can have the S3 engine with a real transmission.
by Millennial
Mon Dec 03, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 4764

Re: Please Recommend a New Car for Me

I have a manual, AWD Golf sportwagen and I love it. Great car all around, and my recommendation if you need AWD. This is slightly bigger than a normal Golf so it may solve some of your size issues. I am in NE as well and I run snow tires in the winter. As mentioned, Crosstrek manual is a good choice...
by Millennial
Thu Nov 29, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2769

Re: Guy's Western US Ski Trip - suggestions?

Whisler is perfect for this. Plenty to do in the village, and near a great city if you wanted to do first/last day there for even better nightlife (though direct flights are a little limited), all sorts of terrain, and so much that you won't even ski it all. I was there for a bachelor party last yea...
by Millennial
Wed Nov 28, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: $25k -18 days Galapagos & Machu Picchu Trek (family of 4).
Replies: 32
Views: 3559

Re: $25k -18 days Galapagos & Machu Picchu Trek (family of 4).

Machu Picchu trek - is that the Inca Trail? Usually this would be 3 nights... If it's an alternate trek, I would highly recommend the traditional Inca Trail 3 night trek to enter Machu Picchu, unless you have done it before. Spend some time researching the tour company, too. They are not all equal, ...
by Millennial
Mon Nov 26, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: eBay Item not Received
Replies: 28
Views: 2618

Re: eBay Item not Received

As others have said, open a case with ebay. They will side with you.
by Millennial
Mon Nov 26, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Air heat pump questions (any experts in the community?)
Replies: 24
Views: 2019

Re: Air heat pump questions (any experts in the community?)

It doesn't directly compare, as our main heat was steam/gas, but we got a 3-zone mini split system installed in a 1100 SF single floor apartment in an old, poorly insulated house. It lowered the combined gas/electric bills we saw in the winter by $30-50 per month (from $350ish combined). We're in MA...
by Millennial
Mon Nov 26, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: paying off all but 1 dollar of CC
Replies: 83
Views: 8675

Re: paying off all but 1 dollar of CC

This is absolutely untrue, and you may incur significant interest charges. Your credit card company will report the statement balance, not the carried balance, to credit agencies. They will not even know you've left a dollar unpaid. Charging and paying-in-full $100 every month looks no different to ...
by Millennial
Sat Nov 10, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 5541

Re: Doing taxes by hand

Credit Karma Tax is free. When it first started, I typically checked it with TurboTax or similar, but when the numbers lined up I'd submit either CK for free. They did have an issue in my state last year (did not support the 529 deduction) so so had to file state taxes by hand. I still used CK to do...
by Millennial
Thu Nov 01, 2018 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Selling House Directly to Buyer
Replies: 28
Views: 2818

Re: Selling House Directly to Buyer

We bought a house this year directly from a friend. We did not see any reason to get agents involved. We both got real estate lawyers and that was sufficient.