Search found 390 matches

by snackdog
Fri Jan 18, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Car Rental - Getting specific type of car
Replies: 19
Views: 1198

Re: Car Rental - Getting specific type of car

I guarantee when you arrive at the resort you will see a huge variety of vehicles in the parking lot including 4WD, AWD, FWD and RWD. You will see Corollas. You will probably even see a convertible. Don't worry about it. Drive sensibly and don't go off-roading in a Chevy Malibu.
by snackdog
Fri Jan 18, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: How do I get a hotel room upgrade ?
Replies: 9
Views: 835

Re: How do I get a hotel room upgrade ?

Best way to get upgrades is to check in late on a one-night stay. The best rooms if empty then can be given to you at no loss of revenue to the hotel since there is little chance they will sell them at that point. How you do that is situation dependent and you need to social engineer the front desk ...
by snackdog
Sun Jan 13, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2039

Re: Taking expensive DSLR on kayak?

I would consider - 1) how many times I have lost control of the kayak and tipped out 2) what my insurance deductible is 3) how much I have to gain from the photos I may get. I would probably do it if the wind and river are calm. I have the same combo. If I ruined it I would use it as an excuse to up...
by snackdog
Sun Jan 13, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3704

Re: Duffel Bag vs Wheeled Stand Up traveling

The only trend is one which has been going on for quite a few years now and that is one strongly favoring hard-sided spinner cases. Hard-sided cases are the lightest and most durable you can buy. Spinner wheels are the easiest to move. Those things drive the market - weight, durability and mobility....
by snackdog
Sun Jan 06, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6246

Re: What do you think are (some of) the best states to live in?

States are enormous and can have vast internal variances in economic opportunities, schools, COL, even climate. Washington might be better overall than North Carolina,but Asheville might trump anywhere in WA, for example.
by snackdog
Sun Jan 06, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 45
Views: 2318

Re: best cheap printer

We haven't had a printer at home in a decade or so. And we don't keep or want paper at home either. Everything is digital and we view it on a screen of some sort, not papyrus.
by snackdog
Sun Jan 06, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 103
Views: 15502

Re: Umbrella Policy: Right amount for $7 mil net worth?

Has anyone done any actual reading of different umbrella policies and determined who the best provider is? I’m certain this type of insurance is not just a commodity product that can be chosen purely on price... ... Most of the retail insurers actually rely on the same few umbrella insurers (RLI, U...
by snackdog
Fri Jan 04, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: master suite features for addition
Replies: 66
Views: 3384

Re: master suite features for addition

A lot depends on where you house is located and how it is configured plus your desires. A massive walk-in closet accessed from inside the bathroom is good. Laundry nearby also good. Jetted tub. Lots of natural and un-natural dimmable light. Privacy. Two-person shower with lots of nozzles. Humidity-s...
by snackdog
Fri Jan 04, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Does a PMI in lieu of 20% down ever make sense?
Replies: 48
Views: 2887

Re: Does a PMI in lieu of 20% down ever make sense?

The great majority of first time buyers pay PMI. It's not a big deal. We did it. You just have to consider the market situation and alternatives. Most first timers end up trading up or flipping with a few years, so minimizing your down payment (0% down, 5% down) can be a good thing. Why tie up limit...
by snackdog
Thu Jan 03, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9260

Re: Which Compact SUV Should I Buy?

SUVs are terrible and compact SUVs are even worse. Stay with a wagon. If you love Volvos, why not another Volvo? The V60 is $40,000 new but you can find them in your budget 1-2 years old. Here's a 2017 for example. https://www.cargurus.com/Cars/inventorylisting/viewDetailsFilterViewInventoryListing....
by snackdog
Thu Jan 03, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 103
Views: 15502

Re: Umbrella Policy: Right amount for $7 mil net worth?

cdu7 wrote:
Wed Sep 19, 2018 9:16 am
There is a much greater risk of being over insured than under insured in this situation.
The risk of being over-insured is you lose $500/yr for 30 years. The risk of being under-insured is you lose everything except protected assets (depends on state, e.g. house, 401K).
by snackdog
Thu Jan 03, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 714
Views: 92110

Re: How much money do you want to retire?

I counted 106 valid entries (current age, retirement age, target amount). Some mixed investments and net worth. A typical (median) BH is age 46 planning to retire at age 57 with $2.5MM. A badass would be someone retiring age before age 40 with under $1MM. Below are percentiles P1-10-50-90-99 for the...
by snackdog
Sun Dec 30, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Sound bar as only music speaker?
Replies: 38
Views: 2390

Re: Sound bar as only music speaker?

Get a great sound bar and you are all set. Subwoofers and tower speakers are so 1990s!
by snackdog
Sat Dec 29, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 8940

Re: How to afford a sports car?

As others have said, a '96 Miata with a manual is better and more fun to drive than most of the $40,000 sports cars out there today.
by snackdog
Sat Dec 29, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232812

Re: What is your Year 2018 networth change?

market is down about 10%. What do we do with this information?
by snackdog
Fri Dec 28, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8104

Re: Saving at Costco

CostCo, like Marshall's and TJ Maxx, is set up under a clever "treasure hunt" model intended to get you to 1) visit frequently to see what new bargains are in stock and 2) buy crap you never realized you were missing. The best way is to either drop your membership (if you can't resist buying stuff) ...
by snackdog
Fri Dec 28, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2366

Re: Why do people buy- performance cars?

Is this actionable or just general bewilderment?
by snackdog
Fri Dec 28, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Economy car vs Luxury - confirmation of a good decision
Replies: 29
Views: 1673

Re: Economy car vs Luxury - confirmation of a good decision

The maintenance costs are nothing compared to the depreciation. Entry level A4 vs Accord maintenance difference is about $100 the first year. Depreciation difference is nearly $7,000!
by snackdog
Thu Dec 27, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy/Approach to Negotiating with Commercial Real Estate Developer
Replies: 22
Views: 1244

Re: Strategy/Approach to Negotiating with Commercial Real Estate Developer

Get a lawyer with good contacts and see if any other commercial types are interested. A bidding war could be beneficial to your mother. Also, the deal with both lots could be worth more than double with one lot, so your mom's lot could be worth more than the neighbors. What else is around the area w...
by snackdog
Thu Dec 27, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Dual coffee/espresso makers
Replies: 17
Views: 1365

Re: Dual coffee/espresso makers

Unless you are running a restaurant and taking requests from fussy customers, you are free to choose and provide what you like. You are not expected to invest in a different kitchen gadget to satisfy each individual guest. Get what you need for you and offer the same to them, nothing more. Too many ...
by snackdog
Mon Dec 24, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Begin loading the “Elephant Gun”?
Replies: 26
Views: 5128

Re: Begin loading the “Elephant Gun”?

Why not just get a HELOC now and you are ready to go.
by snackdog
Thu Dec 20, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: General Rule for Home appreciation over 25 year+ period?
Replies: 48
Views: 2512

Re: General Rule for Home appreciation over 25 year+ period?

Forecasting the future value of real estate is critical for any which you plan to liquidate before you die. I certainly do.

You need to look at the historic behavior in your specific area. San Francisco real estate has averaged about 10% CAGR the last 25 years. Detroit is close to 0%.
by snackdog
Thu Dec 20, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: VPW Calculation Question
Replies: 16
Views: 1151

Re: VPW Calculation Question

I prefer to keep the house out of the equation and hold it to use as insurance for long term care. If, at age 80, I need to enter a nursing home for 15 years or start a long battle with an expensive health issue, I will sell the house to cover the cost. By your method, I would be spending at a highe...
by snackdog
Wed Dec 19, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: USAA apology letter?
Replies: 42
Views: 6066

Re: USAA apology letter?

Service has gone to hell the last five years or so. I'm sure they have lost many longtime members as a result of that plus cost pressure from Geico et al. They are advertising for new members like hell these days so something is up.
by snackdog
Tue Dec 18, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Buyer's Remorse on purchasing a Mercedes
Replies: 82
Views: 6812

Re: Buyer's Remorse on purchasing a Mercedes

Whatever you do, keep the keys away from Grandpa!
by snackdog
Tue Dec 18, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Small Claims - Auto Dealer Claims No $$ To Pay Judgement
Replies: 40
Views: 3029

Re: Small Claims - Auto Dealer Claims No $$ To Pay Judgement

Small claims is cheap and easy to file and get heard. It can be very difficult to get paid. You don't have many options. Chances of getting paid can be pretty low. If the dealer wants to sell the car to settle your claim, go for it. You hold the title. When he gets a buyer, you get the cash directly...
by snackdog
Sat Dec 15, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7441

Re: Is a New Car Okay if Driven 15+ Years?

new 2019 Sienna = $33,000 + tax = $35K/15 years = $2,333/year assuming it goes to zero value. one owner 2016 Sienna $19K +tax = $20.1k with 10K miles / 12 years = $1682/year. I would always get the lightly used one for a huge discount. You are nuts if you see an additional $15,000 value in the new o...
by snackdog
Fri Dec 14, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: International car rental fine: ignore?
Replies: 6
Views: 795

Re: International car rental fine: ignore?

Safest option is to pay by contacting them. Cheapest option may be to wait and see if it goes away. There is risk in that case they they add penalties and that you never get notified then get a big surprise the next Time you visit Europe.
by snackdog
Fri Dec 14, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3708

Re: Who else is doing home automation?

Let's see, we have a new house and I've made a complicated mess of devices, some smart and some kinda dumb. MyQ garage door opener which I can open with my phone after walking the dog. Also alerts me if the door is open for more than 10 minutes. A few Lutron Caseta light switches for automation. Out...
by snackdog
Fri Dec 14, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 26
Views: 4132

Re: objective data on quietest cars?

Nearly any modern car is suitably quiet for phone conversations at highway speed. Lexus has a great deal of extra sound proofing, for what that is worth.
by snackdog
Fri Dec 14, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Hiding Identity of Trust Owner: Registered Agent Services Needed?
Replies: 20
Views: 1886

Re: Hiding Identity of Trust Owner: Registered Agent Services Needed?

Also keep in mind if at any point you are trying to actively conceal the property ownership (as in during litigation or other times you are likely to be investigated for assets), you should not be living in or visiting the property lest a PI track you there. Ensure you receive no paper mail related ...
by snackdog
Wed Dec 12, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22338

Re: What are your property taxes?

There are plenty of online sources of Property tax rates. Hawaii is the lowest. Alabama is second. And so on.
by snackdog
Wed Dec 12, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5361

Re: Volkswagen Reliability

VW ranks in the bottom half of JD Power dependability and reliability studies. What good are anecdotal notes from a handful of Internet strangers?
by snackdog
Wed Dec 12, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4093

Re: Donate to homeless?

Some of you are generalizing about homeless people and painting them all with the same broad brush of addiction and failing to realize some are actually poor homeless people. How many have you had a conversation with? I know of two people who worked the same intersection for years (in different citi...
by snackdog
Tue Dec 11, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4093

Donate to homeless?

This time of year homeless panhandlers seem more visible than ever with the weather cold and holidays approaching. Today a lady on the sidewalk asked me how I celebrate - Christmas, Kwanza or Hannukah? Is it a good idea to give a couple dollars to such people? Seems quite mean to ignore them. What i...
by snackdog
Mon Dec 10, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22338

Re: What are your property taxes?

Is this actionable?
by snackdog
Mon Dec 10, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for new washing machine
Replies: 45
Views: 2469

Re: Need recommendation for new washing machine

If you live near a Sears Outlet store you can get new appliances with a tiny scratch or dent for 40% off. We went with a matching pair of Samsungs and love them.
by snackdog
Sun Dec 09, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4144

Re: Rental Car Damage Issue

I've smashed a few rental cars, even severed a front axel in one (spring break antics...). My insurance company always took care of it so there was no hassle from the rental place whatsoever. I would tell your rental company the car was fine when you returned it and the damage must have occurred in ...
by snackdog
Wed Dec 05, 2018 6:06 am
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2428

Re: Looking for a nice travel watch... recommendations?

Depending on where you are traveling it may be safer to have no visible jewelry including watch. This includes many parts of central and South America and Africa.
by snackdog
Sat Dec 01, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10803

Re: Why is Costco gas so much cheaper

It is only four cents cheaper in Houston which is not even worth driving to Costco, much less dealing with the line.
by snackdog
Thu Nov 29, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6747

Re: Restaurant Budget

A big problem with restaurant food is that it is generally not even vaguely healthy. Everything is drenched in fat, oil, butter, salt or sugar. Portions are vast (in the US). Alcohol is packed with calories. Other drinks are sugar-laden. So, if you out out a lot (regardless of cost/coupons) you are ...
by snackdog
Tue Nov 27, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7469

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

The strategy in waiting is to accumulate as much pain, suffering, disability and bills from hospitals and doctors as possible in order to make the largest possible claim for the "victim" and largest possible fee for their loving attorney.
by snackdog
Tue Nov 27, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 74
Views: 5220

Re: Looking for a car that can handle a long commute, any suggestions?

If your only requirements are that it be possible drive a 50 mile highway commute, "hold up in snow and ice", and be safe, than any car or truck made in the last 50 years will fit the bill. Do you have any desired level of comfort? Capital cost? Operating cost? Safety? Fun-to-drive factor? Toys/feat...
by snackdog
Wed Nov 21, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15215

Re: Black Friday 2018

Best Buy has a 88" Samsung TV that is under $20,000. Comes with some freebies too.
by snackdog
Sat Nov 17, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Why do rental car companies give you all keys?
Replies: 6
Views: 889

Re: Why do rental car companies give you all keys?

Not all rental car companies give you two keys. Quite a few still give only one.

Those that give two are some of the larger ones which allow one-way rentals (different drop off location) in which case it is way better to have all the keys with the car when it arrives in a new location.
by snackdog
Fri Nov 16, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Receiving Spam Texts... Lawsuit
Replies: 3
Views: 782

Re: Receiving Spam Texts... Lawsuit

Are you going to individually sue each one that texts you? Wouldn't that be a lot of time and expense? And it's like Whack-a-mole, after you spend $50,000 and 8 months suing one to get them to stop, the next one pops up.
by snackdog
Thu Nov 15, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 2001

Re: Mesh versus Range extender

I fought various extenders in a massive concrete apartment for five years. Nothing was fast or reliable. We moved into a new four-story place with 12 foot ceilings. I went for a Netgear R7000 ($145) and it blasts full strength signal everywhere. I have signal halfway down the block walking the dog. ...
by snackdog
Sun Nov 11, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 36
Views: 3960

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

If you drive the typical 12,000 miles a year then in five years your car will have 160,000 miles on it and it could very well still be going strong then but that is at least somewhat optimistic. In five years my Corolla will be hitting 60,000 miles and the powertrain warranty will just be ending. W...