Search found 1283 matches

by researcher
Fri Jun 19, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance for 21 year old male - full or liability coverage
Replies: 12
Views: 668

Re: Car Insurance for 21 year old male - full or liability coverage

Full coverage runs $250 and liability $160. Are these prices weekly, monthly, quarterly, bi-annually, annually? Your question can't be answered without this information. If this is an annual premium, then yes, I would spend the $90 for full coverage. If this is a weekly premium, then no, I would no...
by researcher
Thu Jun 18, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10547

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

At least in theory, this requirement would potentially lead to lower home prices, since the seller is weeding out folks who are able to buy a home but may choose to buy another with easier requirements. I would predict (with no data whatsoever), that the majority of potential buyers during the pand...
by researcher
Thu Jun 18, 2020 6:06 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10547

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

I may have been interested, but they are reducing their basket of potential buyers... That is precisely the reason for the requirement. The sellers are weeding out people like you who only "may be interested." They want serious interested buyers who are ready to buy...such people would immediately ...
by researcher
Thu Jun 18, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10547

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

I was told by my buyer's agent that I will need either a "preapproval or proof of funds" to forward to the seller, prior to viewing a home. My feeling is that I'm not willing to share my financial information with a random seller prior to even seeing the home. Has anyone else run into this? I don't...
by researcher
Tue Jun 16, 2020 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 118054

Re: Why are you NOT buying rental properties?

I just read a few more posts and have a question for the OP. You've stated the following about your approach... - I stick to single family homes. I only buy in a good neighborhood with good schools. - Look at 100 houses before buying. I like going to open house so I can talk to the listing agent and...
by researcher
Tue Jun 16, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 123
Views: 14565

Re: Should I sell my stash of dental floss now worth $3,000?

I have a stash of dental floss from Listerine that apparently has been discontinued as of earlier this year. they are selling now (actual sold prices, not just listed prices) for about $25 per pack. $3000/$25 = 120 packs 120 packs x 150 feet/pack = 18,000 feet If you floss EVERY DAY and use 1 ft of...
by researcher
Tue Jun 16, 2020 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: best way to give away a table saw
Replies: 53
Views: 3270

Re: best way to give away a table saw

48 posts on this topic over the last 3 days!?!

The OP could have had these items GONE IN 30 MINUTES by simply posting to Craigslist instead of writing about it here.
by researcher
Thu Jun 11, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: Does Buying an RV make sense?
Replies: 97
Views: 6495

Re: Does Buying an RV make sense?

People can make informed decisions about many things without having to "actually experience it." I'm glad you enjoy RV travel, I'm just not sure why you feel the need to ridicule a contrary point of view. I'm not trying to ridicule, just simply correcting RV'ing misconceptions from people who have ...
by researcher
Thu Jun 11, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25767

Re: What fun car should I get in the $150k - $200k range?

I think the hypothetical intent of the comment goes this way: This clearly isn't some spur of the moment decision where the OP rushes out and buys a $150K (hence the reason he posted here). It is ridiculous to form a "hypothetical intent" that the OP and his wife didn't have these conversations bef...
by researcher
Wed Jun 10, 2020 10:35 pm
Forum: Personal Consumer Issues
Topic: Does Buying an RV make sense?
Replies: 97
Views: 6495

Re: Does Buying an RV make sense?

Please help me avoid being "misinformed" then... So two (2) showers of ten minutes... And this is why you prefer staying at Hampton Inns. Wanting to take 10 minute showers in an RV when you don't have full hook-ups is just silly. I don't even take a FIVE minute shower at home! There are a few extre...
by researcher
Wed Jun 10, 2020 3:19 pm
Forum: Personal Consumer Issues
Topic: Does Buying an RV make sense?
Replies: 97
Views: 6495

Re: Does Buying an RV make sense?

So plan on hauling that RV around to get water and dump waste if you are there more than a night or two. That is the case at other National Parks as well. You are misinformed. The overwhelming majority of self-contained RVs can go far longer than "a night or two" before needing water or dumping was...
by researcher
Wed Jun 10, 2020 9:12 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25767

Re: What fun car should I get in the $150k - $200k range?

Of course not - don't be silly and don't pretend you don't see the difference here. I'm assuming you recognize the difference between keeping a tally for normal purchases and this particular situation when one partner intends on spending over 6% of the net worth of the entire family on this sort of...
by researcher
Tue Jun 09, 2020 2:14 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25767

Re: What fun car should I get in the $150k - $200k range?

smalliebigs wrote: Tue Jun 09, 2020 2:09 pm So many people seem to be projecting their own ...insecurities into seemingly trying to convince him/her not to do this. Man, it's his money, let him to his thing. Either make a recommendation, or not.
+100
by researcher
Tue Jun 09, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25767

Re: What fun car should I get in the $150k - $200k range?

Still wondering how the wife is spending her $200k? That is an interesting question. :) Unless they have the same passion, that's an excellent point: it's actually a $300-$400k expense we're looking at here. That might change some of the responses. An eye for an eye. A tooth for a tooth. Is that ho...
by researcher
Tue Jun 09, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25767

Re: What fun car should I get in the $150k - $200k range?

investingdad wrote: Tue Jun 09, 2020 11:14 am I suspect there is a misconception about what type of lifestyle one can afford when trying to make $3 million pay for 45 years of retirement.
But that is NOT what position the OP is currently in.

He has explicitly said..."I am still working and adding to the 401k, HSA, Roth."
by researcher
Tue Jun 09, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25767

Re: What fun car should I get in the $150k - $200k range?

Folks that are calling $3 million ... a multimillionaire type situation that can easily drop 200k on a car are not even close, in my opinion. But 200k car territory? Not even close. Seriously??? A "multimillionaire type situation" is EXACTLY what the OP is in!!! I get it. You want to hoard your mon...
by researcher
Tue Jun 09, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: Does Buying an RV make sense?
Replies: 97
Views: 6495

Re: Does Buying an RV make sense?

When we travel, we like to stay at places like Embassy Suites and Residence Inn with their larger suites, better breakfast options and even evening cocktail receptions at most locations. without having any particular desire to enjoy an RV/camping "lifestyle". It is quite odd that you'd even conside...
by researcher
Tue Jun 09, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25767

Re: What fun car should I get in the $150k - $200k range?

BogleBoogie wrote: Tue Jun 09, 2020 9:02 am Have you looked at an Acura NSX? This would be the first car I would test drive if that were my budget.

https://www.motortrend.com/news/acura-n ... 2022-leak/
It's been recommended about a 1/2 dozen times in this thread.
The OP has stated he intends to check it out.
by researcher
Sat Jun 06, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25767

Re: What fun car should I get in the $150k - $200k range?

I would watch these videos from VINwiki for ideas. There are many videos covering a wide variety of price points. Here are a few... Best Car for $100K... https://www.youtube.com/watch?v=ZhcgLkCUFmg Best Car for $250K... https://www.youtube.com/watch?v=jDaI2t3lfDo For those with lighter pockets... Be...
by researcher
Thu Jun 04, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6161

Re: Selling wife's 1-year old car?

a lot of assumptions are being made with the purchase of my wife's car. we mutually decided to purchase something. it was both of our decisions. i don't regret it As others have asked, then why did you say... "i did try to convince to get a used or cheaper car" In addition, another poster asked whe...
by researcher
Wed Jun 03, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's expectations of subsidizing her friends' lives
Replies: 82
Views: 4556

Re: Wife's expectations of subsidizing her friends' lives

We have talked about creating a family together (I have a child from a previous marriage) Her preference is to spend a lot of money doing nice things for her friends. she takes pride in funding her friends' vacations and helping them with "a little bit for retirement". But multiple times a year, sh...
by researcher
Wed Jun 03, 2020 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6161

Re: Selling wife's 1-year old car?

I think it's interesting the note after the OPs wife's car on a recent post https://www.bogleheads.org/forum/viewtopic.php?f=2&t=305362 Debt 2017 Subaru Forester 8,200.00 2019 Mazda CX-5 27,000.00 (i know...) I don't get this either. The OP's Forester is in the exact same vehicle class as his wife'...
by researcher
Wed Jun 03, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Refinance for 0.25% rate reduction
Replies: 14
Views: 869

Re: Refinance for 0.25% rate reduction

I was offered 3% for 30 years on new loan amount of 650k with $400 in closing costs and $2500 Amex credit. if I continue to pay same monthly as before, I will save ~40k over 30 years and have flexibility to pay lower monthly if I want to. Does it make sense to refinance? Why are you even asking thi...
by researcher
Wed Jun 03, 2020 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Would you be motivated to refinance this loan?
Replies: 25
Views: 1339

Re: Would you be motivated to refinance this loan?

Buddy0329 wrote: Tue Jun 02, 2020 11:16 am assume out of pocket costs could include upwards of $1,000 in out of pocket expenses.
~$20K is the total interest saved in the above scenario over the loan term on a new loan.
Wold you refinance or just stand pat?
Why are you even asking this question?

Why wouldn't you want to save $20K+?
by researcher
Wed Jun 03, 2020 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Got toddler, good time to sell rental Duplex?
Replies: 19
Views: 1492

Re: Got toddler, good time to sell rental Duplex?

Cycle wrote: Tue Jun 02, 2020 9:09 pm its a bit of a burden on top of parenting.
I should also add we are high net worth ~2M for our age, mid 30s, so don't need the income by any means.
Why would you even need to ask this question???

Just sell the thing this week and get on with your life.
by researcher
Wed Jun 03, 2020 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6161

Re: Selling wife's 1-year old car?

wife, whom i did try to convince to get a used or cheaper car, drives a 2019 Mazda CX-5 . purchase price was $32,960 and she pays $592/mo. with 2.99% APR. would it be a totally ridiculous notion to consider selling the Mazda, paying off the lien (hopefully owing little to nothing additional) and ge...
by researcher
Sat May 30, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2656

Re: Fold Flat Seats in a 2019/2020 car

1. some ground clearance to get to trailheads with washboard roads in CO 2. decent gas mileage - high 20s? 5. should not use premium fuel 6. lower insurance costs 7. low maintenance cost 8. actually able to sleep in the back - fold completely flat seats. I'd like to stay with Honda or Toyota I'm go...
by researcher
Fri May 29, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Carolina/Virginia Summer Vacation
Replies: 56
Views: 3072

Re: Carolina/Virginia Summer Vacation

Things have evolved a bit since my original post last night as my wife is really pushing for a more "resort style" place on a beach with a nice pool. I know you said it's out because you've already been there, but given all the circumstances, I would go back to Charleston. Rent an oceanfront condo ...
by researcher
Fri May 29, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6425

Re: Car Issues - No Oil

If #1, the motor is likely on borrowed time. If #2, it probably wouldn't have gone so long. Neither worth fixing on a 2004 Volvo. If #3, that's likely a repairable problem that should be addressed. A lot of burning oil will show up in the exhaust as bluish smoke. It will foul a catalytic converter ...
by researcher
Fri May 29, 2020 9:04 am
Forum: Personal Consumer Issues
Topic: Carolina/Virginia Summer Vacation
Replies: 56
Views: 3072

Re: Carolina/Virginia Summer Vacation

Finally, given we'll have a 3-year-old with us we're also looking for options to stop and have some fun on the drive, both on the way toward the Atlantic coast and on the way back home to Ohio. The idea is to find something fun that we'd all enjoy to get us (and our 3-year-old) out of the car, whet...
by researcher
Thu May 28, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1442

Re: Car won't start

Well, you are entitled to your opinion. I worked as an auto battery engineer and hold 3 patents related to auto batteries. I will just let our readers decide whose opinion they think has more validity, yours or mine. Judging by the number of posters agreeing with my commentary, it appears the reade...
by researcher
Thu May 28, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1442

Re: Car won't start

Would you care to identify the "ridiculous responses"? Sure... - core4portfolio - Watty - sport (your last 2 posts) This is the most basic of automotive problems, experienced everyday by millions of people. Any response to the OP's question over about 2 lines is an excessive over-thinking of the is...
by researcher
Thu May 28, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Hiring a handyman
Replies: 23
Views: 1491

Re: Hiring a handyman

Sounds like somewhere close to $1,000 is probably more realistic. My Dad did side jobs like this 30 YEARS AGO (I tagged along on many)...he wouldn't take any project for less than $1000. As others have said, there has been extreme lack of skilled labor in this country for many years. The stay-at-ho...
by researcher
Thu May 28, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1442

Re: Car won't start

Many of these responses are ridiculous. This is a common/simple problem. This isn't rocket science. You don't need to overthink it. No need to ask for over-the-top advice on the internet. Spend 2 minutes watching a youtube video, another 2 minutes to jump start the car, then drive to the nearest aut...
by researcher
Thu May 28, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 58
Views: 4010

Re: Update current laptop or buy new one?

rockstar wrote: Sun May 24, 2020 8:34 pm Typical time to refresh a laptop is every 3-5 years.
This rule of thumb must have been created by the same people who buy new $1000 cell phones every year or two.
by researcher
Thu May 28, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Hiring a handyman
Replies: 23
Views: 1491

Re: Hiring a handyman

Maybe it'll be a few hundred more, who knows. Isn't "driving all over town to pick up the needed materials" part of what they do? Yes, it is part of what they do. But you are looking for someone who will complete all of those jobs, including running around picking up materials, in a day for $400. I...
by researcher
Thu May 28, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: Hiring a handyman
Replies: 23
Views: 1491

Re: Hiring a handyman

-New front screen door -Replace weatherstripping on two other doors -Replace a few kitchen tiles on backsplash -Remove grout around bathtub and add caulk -Add shelf to pantry -Repair botched drywall job on a small ceiling area, about 2x2 feet. In my head, I am thinking all of this should be able to...
by researcher
Thu May 28, 2020 9:09 am
Forum: Personal Finance (Not Investing)
Topic: $5k - $7k to replace engine, or get something else? (loan on car)
Replies: 109
Views: 7101

Re: $5k - $7k to replace engine, or get something else? (loan on car)

bogler52 wrote: Thu May 28, 2020 8:29 am I've been without my car for 2 months already and this is just exhausting.
You've let this saga drag on for 2 months???

You should have paid an independent mechanic $4K to fix it 8 weeks ago!
That is a small price to pay to move on with your life.
by researcher
Tue May 26, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2389

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

As to those who are saying to rent an RV, I can't even imagine driving at some of those altitudes in Yellowstone in an RV. I'd assume you'd be going up over passes at 5 mph.?? :D Don't know. As smart as the people are on this forum, the naivete about very basic things amazes me. Do you realize ther...
by researcher
Tue May 26, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2389

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

TravelGeek wrote: Tue May 26, 2020 3:11 pm I would personally not want to spend two weeks in such an RV with four people.
But you would be OK spending 6000 miles with four people in a small vehicle and in the same hotel room?
by researcher
Tue May 26, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2389

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

I looked into renting an RV I was surprised by the limited number of miles per day before surcharges kicked in. I didn’t pursue this any further for other reasons, but I wondered what it would cost to drive a rental RV from Boston to YNP/GNP and back. So I checked CruiseAmerica and they seem to wan...
by researcher
Tue May 26, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Extended Winter Getaway
Replies: 4
Views: 386

Re: Suggestions for Extended Winter Getaway

Our first thought was to stay at an extended stay, Marriott property in Orlando, FL. What attracts us is the beauty of the property and having a nice pool. Our budget for housing/rental is somewhat flexible. I’d like to keep it to under $10,000 a month. I’m reaching out to the board as others may h...
by researcher
Tue May 26, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2389

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

We're planning a road trip with two kids (10-13) driving from MA to Glacier NP & Yellowstone NP. For 2 weeks. Are we crazy to do this? With stopping on the way, it'd easily be 3 days to reach and 3 days back. Any tips/suggestions to pull this off? I would take this trip. However, I would do so in a...
by researcher
Tue May 26, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13918

Re: If Jeep has such poor reliability, how come they are everywhere?

I would look at the Toyota 4Runner. I second that. I will admit I favor Toyota products. It's something I learned from working on vehicles for over 20 years. Out of 22 Midsize SUV's, the Toyota 4Runner is ranked 21... https://www.caranddriver.com/features/g8525152/best-midsize-suv/?slide=3 This bod...
by researcher
Wed May 20, 2020 7:09 am
Forum: Personal Consumer Issues
Topic: Care for outdoor patio set?
Replies: 10
Views: 657

Re: Care for outdoor patio set?

It is a nice one with a stone/tile table and wicker chairs. I am wondering how to care for it. Should I cover it when not in use with the enclosed cover? Should I keep the chairs in the garage so they don't sunfade? Covering before winter (I'm in Florida so winters are mild) makes sense... Would pr...
by researcher
Tue May 19, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20588

Re: What is your most luxury/expensive hobby.

rm wrote: Tue May 19, 2020 12:26 pm What can you spend money on during covid lockdowns?
Any sports activities are out because they require close contact.
Huh?

Road/mountain biking, canoeing/kayaking, fishing, hiking, power boating, ect, ect.
by researcher
Tue May 19, 2020 12:20 pm
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 17424

Re: Some possible luxury SUV choices to buy: Opinions?

Ok, here's the skinny on Infiniti and invariably somebody is going to get hurt by this, but it's the general truth and not fanboyism.... 1. Generally nobody is buying an Infiniti because they actually want an Infiniti 2. People are buying Infiniti because it's the cheapest out there... and they hav...
by researcher
Mon May 18, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Jeep Cherokee drive-train service
Replies: 9
Views: 505

Re: Jeep Cherokee drive-train service

My 2016 Cherokee Limited 4x4 (six-cylinder) has nearly 40,000 miles on it. The dealer has recommended front differential service ($150), rear differential service ($150) and transfer case fluid service ($150), all based on time and mileage rather than as a result of inspection. I'm trying to figure...
by researcher
Mon May 11, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: $5k - $7k to replace engine, or get something else? (loan on car)
Replies: 109
Views: 7101

Re: $5k - $7k to replace engine, or get something else? (loan on car)

I purchased a 2013 Acura TL with 70k miles (now 80k miles) in September '19. The purchase price of the car was $13k and I did some proactive work (for ~$2k) early because I planned to keep the car for a long time. I took out a $10k loan on the car so I could keep cash to invest vs. paying for the c...
by researcher
Mon May 11, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: Thoughts on tree removal
Replies: 43
Views: 2638

Re: Thoughts on tree removal

We lived for years with the garage space taken up by things less valuable than our cars. It wasn’t until we moved (to a house with space for all of our vehicles) that we realized how bass ackwards we had it. How dumb were we??? 6 digit car in the driveway because we were too lazy to organize. Exact...