Search found 496 matches

by researcher
Fri Aug 17, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Buying car - help with closing the deal
Replies: 8
Views: 909

Re: Buying car - help with closing the deal

At this time found a 2016 corolla with about 45000 miles for about $13,000 (16) and a 2017 corolla with about 35000 miles for $13650 (17) both are formerly rental cars. I personally would never buy a former rental car. You mention finding a stain. Imagine how many other stains are in the car that y...
by researcher
Fri Aug 17, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Comparing Boats to Autos
Replies: 22
Views: 1009

Re: Comparing Boats to Autos

I'm looking to get a 17-19' boat...combination of fishability and tubing...used in calm lake waters...Looking to spend around $10k. Brands I'm looking at are Boston Whaler, Grady White, Lund and Sea Ray. First off, you really need to figure out what TYPE of boat you are looking for, before soliciti...
by researcher
Thu Aug 16, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2493

Re: Sign - Speed checked by Radar

A guy who sold me a car once told me he was caught speeding by an aircraft. He said he had a radar detector which was of course useless in this case. In my state some highways have very broad perpendicular white stripes drawn at intervals to enable timing from above. In any case it is illegal to sp...
by researcher
Wed Aug 15, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 5778

Re: Changing Car Cabin Air Filter - after how much time

Geez, did you even read my first post? I recommended inspecting your filters at regular intervals -- whatever interval is suitable for your climate (one year interval works for me) -- and changing them if dirty. I've never found the intervals (even the intervals recommended for severe conditions) t...
by researcher
Wed Aug 15, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 5778

Re: Changing Car Cabin Air Filter - after how much time

With respect to filters, it's actually not. The car mfr doesn't know where you live -- whether it's dusty, etc. They can't possibly program the maintenance minder to be accurate in every situation. And the maintenance minder isn't actually monitoring the state of your filters. It's just spitting ou...
by researcher
Wed Aug 15, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 5778

Re: Changing Car Cabin Air Filter - after how much time

Just follow the manufacturer's maintenance schedule outlined in your owner's manual! It's that simple. For the OP, your Honda is equipped with a maintenance minder system. A little wrench will illuminate on your dash when service is needed. It will be accompanied by an alphanumeric code. When that c...
by researcher
Wed Aug 15, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Experian email alert! "Your score decreased"
Replies: 37
Views: 3170

Re: Experian email alert! "Your score decreased"

daveydoo wrote:
Wed Aug 15, 2018 11:56 am
These are not indices of self-worth; these are metrics of your attractiveness to creditors.
And financial prudence is not necessarily what makes you attractive to creditors.
As long as it's good enough, you're fine.
This.
by researcher
Wed Aug 15, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 37
Views: 2100

Re: Travel delay: Can I *easily* get $60 back?

I have just returned from a long trip to Europe and I am not in a mood for a complex process . But I am wondering if I can get money back easily. The amount is small and I don't want to spend too much time on recovering it. But if there is an easy way to get my money back, I'll do it. My options ar...
by researcher
Tue Aug 14, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Key West Family Vacation - February
Replies: 25
Views: 1650

Re: Key West Family Vacation - February

Actually, I don't think any of the posts (so far) give it a "Go!" (for 6 days with kids) without reservations. I would find it difficult to put together a 6-day kid-friendly itinerary. Just putting this out for discussion. As much as I "want" to like Key West, I just can't put my finger on why I do...
by researcher
Mon Aug 13, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 128
Views: 5605

Re: how much car can we afford?

magicrat wrote:
Mon Aug 13, 2018 9:25 am
Of course you can afford a $40k car.
+1

OP -
How is it that you make $300K/yr, have $650K in non-retirement savings, and somehow not know whether you can afford a $40K vehicle?
You clearly should know the answer to this question. Of course you can.
by researcher
Fri Aug 03, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Vehicle Leasing...Again ;)
Replies: 23
Views: 1796

Re: Vehicle Leasing...Again ;)

Sales tax would be a good argument in favor of leasing, especially with 86 % residual. Buying 35,000 car with 8% tax is 2,800 tax. Leasing you only pay tax on the depreciation 14 % or $392. Your numbers & rationale are flawed. The scenario being discussed in this thread is one 10yr ownership vs. fi...
by researcher
Fri Aug 03, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Home Addition Finance
Replies: 48
Views: 2601

Re: Home Addition Finance

would prefer to stay on this street and location rest of our life Moving to the suburbs which I'm totally fine with , would give us around 3000 sq ft with 4 beds and great public schools for 500K vs the 675K 2100sq ft 3 bed home that needs serious continual maintenance in the "desirable" city neigh...
by researcher
Fri Aug 03, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Vehicle Leasing...Again ;)
Replies: 23
Views: 1796

Re: Vehicle Leasing...Again ;)

They definitely have to fight and search for the deals they get which is certainly more of a headache than a simple finance deal...I do realize though that a lease deal can vary wildly and you can really lose your butt on it. So, it's hard to legitimately say without a doubt the lease can be better...
by researcher
Thu Aug 02, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle Leasing...Again ;)
Replies: 23
Views: 1796

Re: Vehicle Leasing...Again ;)

$3600/year for the leased vehicle doesn't seem expensive to me because even if you sell the financed vehicle for 25k as suggested that's still $2500/year to keep the financed vehicle. That neglects to account for average market returns and maintenance that you had to spend on that vehicle too thoug...
by researcher
Thu Aug 02, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Lease/ buy a second car for cost savings?
Replies: 18
Views: 684

Re: Lease/ buy a second car for cost savings?

Have to drive close to 1100 miles every 2 weeks from NYC- TORONTO for next 3 years. So close to 70+ trips Have a minivan that i love and very comfortable. But the gas mileage is 25miles/gallon. 1. Should i look into a lease or buying a second hand prius or an efficient hybrid that will save me $$ ?...
by researcher
Thu Aug 02, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Honda Roadside Assistance any good?
Replies: 5
Views: 576

Re: Honda Roadside Assistance any good?

I'm out in the boondocks and my Honda vehicle breaks down and I'm sitting on the side of the road. My vehicle came with Honda Roadside Assistance. I'm confused. Didn't you recently dump your Honda because of your distain for how the manufacturer was handling the oil dilution issue? Did you turn aro...
by researcher
Wed Aug 01, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1722

Re: Land Purchase Possible or Forget About It?

My wife and I live on a house we built on land given to us by my parents. My parents live behind us on about 4 acres. Behind their lot are three 2 acre lots that are wooded and considered "wetland". - The two owners of the furthest back plots live elsewhere and haven't had anything to do with this ...
by researcher
Wed Aug 01, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11784

Re: Joint Ownership of home with second wife

The wife feels uncomfortable paying for more than 1/3 of the house, because her needs aren't as high as mine (due to the kids requiring more space) This line of thinking should be extremely troubling to you. Once married, your young kids are now hers! She should consider you, her and the two kids a...
by researcher
Tue Jul 31, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 4931

Re: How to prepare for "the talk"

It's none of your business unless you want to pay off your school loan. I asked very different questions than what you are trying to provide answers to. It's as if I asked for tips on how to improve my fastball and you said I should take up swimming I'm not sure why you are being so defensive/comba...
by researcher
Tue Jul 31, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 39
Views: 2642

Re: $8712/year for insurance (auto, home, rental) How to reduce?

California : - $750/year for homeowners, $4000/year for four vehicles, $430/year for valuables - Monthly: $395 Texas : - $900/year for fire insurance, $1700/year for homeowners, $6000/year for four vehicles, $112/year for valuables - Monthly: $726 That's $330/month more! I'm feeling "shock and awe"...
by researcher
Tue Jul 31, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Settle my claim or elevate issue
Replies: 18
Views: 1495

Re: Settle my claim or elevate issue

They will only pay for the repairs and the rental car but not for my time spent addressing the damages. Isn't my time worth something? It looks like the local VPC manager can settle claims up to $1,000 and my claim was for less than $800. So...my question is, should I just settle the claim and just...
by researcher
Mon Jul 30, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: selling used car with hail damage
Replies: 30
Views: 1709

Re: selling used car with hail damage

nick evets wrote:
Sun Jul 29, 2018 10:01 am
Anyway, thx for the input: car was devoured in a day on CL, and is sold.
So are you going to share the pricing approach you used when listing the car? And how much you ultimately got for it?

Anything will be "devoured in a day on CL" if priced right.
by researcher
Mon Jul 30, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: need an outback, new, used or lease?
Replies: 29
Views: 2147

Re: need an outback, new, used or lease?

My dealer recommends oil changes at 3000 mile intervals, not the 6000 in the manual. Please don't get suckered into dealerships shortened maintenance intervals. Virtually all dealerships, regardless of make/model, suggest MORE maintenance than is recommended by the manufacturer. It is an easy way t...
by researcher
Fri Jul 27, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: selling used car with hail damage
Replies: 30
Views: 1709

Re: selling used car with hail damage

nick evets wrote:
Fri Jul 27, 2018 11:02 am
6 year-old import with some hail damage...
I decided to forgo the repairs and repaint...
immaculately maintained Japanese car
I hate to break it to you, but your car is certainly NOT "immaculately maintained" if it has 2 year old hail damage that you didn't repair.
by researcher
Fri Jul 27, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 1907

Re: DisneyWorld-Needing specific advice

If staying on site, get a meal plan of some sort. Meals are expensive in park. I would not suggest a meal plan in general, and especially not if you want to minimize expenses. With a meal plan, you waste a lot of time at every meal waiting in lines, sitting in restaurants, ect. You also tend to eat...
by researcher
Fri Jul 27, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 1907

Re: DisneyWorld-Needing specific advice

We want a moderateley priced on site disney resort- LIMITING WALKING is important to us. ***What ticket do we buy to gain early/preferred access to rides? ***Could you recommend 2-3 moderately priced resorts that would be on site an limit our need to walk or gain transportation? Your questions don'...
by researcher
Fri Jul 27, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Yet another "can I afford it"?
Replies: 42
Views: 3923

Re: Yet another "can I afford it"?

phisher4 wrote:
Thu Jul 26, 2018 4:07 pm
Income averaging ~550K/year

How big of a car can I purchase with my goal of early retirement in mind?
I'm thinking of a model S (80-100K), BMW 5 series (~50-60K), or a Volvo XC90 (~50-60K).
You make over a half million/yr, and you don't know whether you can afford a $50K car?
by researcher
Thu Jul 26, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Moral dilemma - What would you do?
Replies: 54
Views: 5594

Re: Moral dilemma - What would you do?

That's fair if the numbers in the solution weren't fudged to look better than the other solution. The problem is about misguiding the client with manipulated numbers From what i have understood, it sounds more like up selling . The solution that DH prefers can get the job done for client for much c...
by researcher
Mon Jul 23, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Rotating Tires in Honda Odyssey
Replies: 15
Views: 1454

Re: Rotating Tires in Honda Odyssey

When do you guys generally rotate the car tires? Do you go by miles or duration. My Honda Odyssey has 10K miles in 2 years. What does the car experts in the forum recommend? Is there a reason you don't want to follow the manufacturer's recommended maintenance schedule? Your van has what is called a...
by researcher
Wed Jul 18, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vacation home while renting
Replies: 61
Views: 3818

Re: Buy a vacation home while renting

On a side note, I find it surprising that so many people recommend paying down student loans early. I have about 8 years left on my payment plan, and I see no reason to put extra money to work at 2.95% when I could potentially get more in the market. I realize the risk of downturns, but being young...
by researcher
Mon Jul 16, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9719

Re: Why own a bed?

Earl Lemongrab wrote:
Mon Jul 16, 2018 11:38 am
I would think it would be difficult to find a night table that's a good height to work with that.
If the OP is complaining about spending money on a bed frame, they likely feel the same way about night stands.
They probably use a cardboard box or discarded milk crate.
by researcher
Mon Jul 16, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9719

Re: Why own a bed?

Caduceus wrote:
Mon Jul 16, 2018 10:41 am
Are there any good reasons to own a bed? Why not just sleep on a mattress on the floor (I think the Japanese do that?) instead of paying hundreds or thousands of dollars to sleep a few feet off the ground?
Deep Thoughts
by Jack Handey
by researcher
Mon Jul 16, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 6432

Re: $540 a month on food for graduate student budget too much?

I am basically eating out for every meal right now and the cost comes out to $6-$7 per meal. Even if you buy subway $6 dollar sandwiches, that would be $6 * 3 subs/day * 30 days/month = $540 /month on Subway sandwiches. Does anyone know a good site that gives you ideas on recipes to buy that is des...
by researcher
Wed Jun 27, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11649

Re: $1 million house--- sanity check

I actually did see the OP's subsequent response, but am not entirely sure that I In theory, there's certainly nothing out there that prevents builders from putting up well built smaller houses. Practically speaking though, that's just not how it tends to work, at least in our area you won't come ac...
by researcher
Wed Jun 27, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11649

Re: $1 million house--- sanity check

You and I largely agree there, except that we are talking about different things. If you are about 30 years old, as the OP is, the list of considerations is likely to be about the same regardless of whether you are buying it for 15+ or 30+ years. If, on the other hand, you are 50 years old, then ye...
by researcher
Wed Jun 27, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11649

Re: $1 million house--- sanity check

What you are saying is certainly true and it certainly does happen, but I do not know how significant it is that the person would end up staying in a house for 15+ years, versus literally "forever," as the considerations for both would be about the same . This is absolutely not true. If you plan to...
by researcher
Wed Jun 27, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11649

Re: $1 million house--- sanity check

For instance, you've gotten a number of responses saying that the upkeep of a larger house is likely to be significantly more expensive. This isn't necessarily a given. A larger and higher end house may've been built significantly better. At least in our area, a 1,500 sq. ft. house would be a start...
by researcher
Wed Jun 27, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11649

Re: $1 million house--- sanity check

A valid point. Even when I said forever house, what that really means is raise the kids house and maybe retire, maybe sell for a lake place and a small house in our city. So it is an "intermediate term house" and not a "forever house." I think most people who use the term "forever house" are just l...
by researcher
Wed Jun 27, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 340
Views: 55631

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CU LATER --> Did you ever have your oil analyzed? Did it show gasoline in the oil? Could you please post the results? I guess you don't want to tell us. I find it interesting that CUlater has gone radio silent on his oil analysis results. Looks like this entire thread is much ado about nothing.
by researcher
Wed Jun 27, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11649

Re: $1 million house--- sanity check

il0kin wrote:
Wed Jun 27, 2018 10:09 am
We traded the starter house in a barely OK school district for the forever house in the excellent school district.
I wonder how many people who buy a supposed "forever house" actually stay there forever and never purchase another home.

My guess is the % is quite small.
by researcher
Wed Jun 27, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11649

Re: $1 million house--- sanity check

The only increase will be the mortgage. Rough estimates are around 5K a month. Basically, with the sale of our current house, the only change would be paying an extra $1500 a month toward the mortgage. Is this crazy? What am I not considering? Any other numbers that I haven't listed that I should b...
by researcher
Wed Jun 27, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6374

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

You need to re read the OP. One of the top choices is the Silverado. The Ridgeline is a joke. Why do you think no one buys it? The best selling trucks every year are the big three with Toyota a distant fourth and Honda not even an afterthought. It is a niche vehicle for people that don't really use...
by researcher
Mon Jun 25, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 42
Views: 4232

Re: Looking for Mazda CX-9 Feedback

The CX-5 back seat is tight. The CX-5 was the only SUV we sat in that I had issues with rear seat room. My knees actually touched the front seat when it was pushed all the way back. How many compact SUVs did you evaluate? Of the five or so I looked at while car shopping, my knees touched the front ...
by researcher
Mon Jun 25, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: House seller fudging disclosure re: buried oil tank?
Replies: 36
Views: 4121

Re: House seller fudging disclosure re: buried oil tank?

Someone else bought it, gutted it, has lived in it, and has now listed it for sale... There was conclusive evidence of an underground oil tank, in the form of a fill pipe and a vent pipe poking out of the ground... Now the seller’s disclosure states “I don’t know” next to the question about a burie...
by researcher
Sat Jun 23, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 42
Views: 4232

Re: Looking for Mazda CX-9 Feedback

FrugalInvestor wrote:
Fri Jun 22, 2018 10:33 pm
We're getting close to buying a vehicle. Any further first-hand feedback on the CX-9?
You should check out the latest issue of Car & Driver.

They just finished up a long-term, 40K mile evaluation of the CX-9.

I won't recap the review here, but it was a very favorable review overall.
by researcher
Thu Jun 21, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 2412

Re: 1st Car Mechanic service experience

Synthetic Oil/Filter change at local Honda Dealer $34.95 (with coupon). Includes top off of all fluids and a car wash......can't beat that price ! Any other service I go to my local independent mechanic. Out of curiosity, how much time do you spend at the dealership for this $35 oil change? My BIL ...
by researcher
Thu Jun 21, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 2412

Re: 1st Car Mechanic service experience

When you can get an oil change for $30 and in a half hour, there’s no need to change it yourself. This is absolutely incorrect. There is one key reason for changing it yourself in this scenario...to ensure it is done correctly. Most places offering $30 / 30 min oil changes are using the lowest knuc...
by researcher
Thu Jun 21, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 2412

Re: 1st Car Mechanic service experience

Wow that would be shady and I would never return to such a mechanic. I checked the manufacturer maintenance schedule and a new engine air filter replacement was possible at my car's mileage. The problem is, you would never know, unless you are hovering over the mechanic as he services your car. In ...
by researcher
Wed Jun 20, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 22
Views: 2631

Re: Gifting trip for inlaws

Those are my idea of hell on earth!! http://www.thecarpetbagger.org/2013/08/gatlinburg-and-pigeon-forge-tn-sodom.html I completely agree with you, and would never willingly go there myself. However, the OP is soliciting vacation ideas for someone who... - "Doesn't like new things" - Are "stuck in t...
by researcher
Wed Jun 20, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 22
Views: 2631

Re: Gifting trip for inlaws

They don't like new things particularly-that is why we need help w/ ideas. We surprised them with a Hawaiian vacation and his first words were 'What am I going to do in Hawaii?' :D He is kind of stuck in the 50's. She is minimally more adventuresome-doesn't need meat potatoes each meal. They put th...