Search found 1479 matches

by jabberwockOG
Tue Nov 13, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3652

Re: Feeling uneasy about recent splurge

An expensive mattress is not necessarily a good mattress. Brick and mortar retail stores sell good mattresses but also lots of over priced mattresses. I'd be much more worried about over paying for a mattress than what it actually costs. A high quality mattress that matches your needs and lets you g...
by jabberwockOG
Fri Nov 09, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3220

Re: Seeking Advice - Emergency Preparedness

If you don't have friends or family nearby that can easily come rescue you I suggest you move to a nice warm place every year for the winter or just move permanently. The house can be winterized right before you leave and then opened back up when you come back. Your bad back will be even worse if yo...
by jabberwockOG
Wed Nov 07, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Moving to NYC without a job
Replies: 33
Views: 4975

Re: Moving to NYC without a job

Moving to one of the highest cost of living places in the US with no job makes no sense at all. Be prepared to end up seriously broke and moving back where you originated from with your tail between your legs. Find and get the job you want first in a place you can afford, then work a few years to ga...
by jabberwockOG
Tue Nov 06, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3502

Re: Paper or Paperless? How and what financial records do you keep?

File and store tax returns and supporting documentation for last 7 years. Anything older than 7 years gets shredded every April. Titles/deeds/passports etc stored in safe in fireproof bag. We receive very little paper at this point since paper items in the mail is most likely more of a security risk...
by jabberwockOG
Tue Nov 06, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Son has job offer in Nashville, can he survive on base of 33K
Replies: 16
Views: 2453

Re: Son has job offer in Nashville, can he survive on base of 33K

Considering the economy is in very good shape, for a professional sales job, even a first sales job, that is a very low salary offer for a new job. I suggest he decline the low ball offer and ask for them to up the base to a more reasonable salary amount for an IT sales job. Inside sales is the low...
by jabberwockOG
Mon Nov 05, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12592

Re: Are we in trouble?

On a separate note..... Is that only I who thinks $900K in savings at a $370K income at the age of 47 is on the low side? Plus $1.2m house in Texas? That is one biggggg house. Overall, I think, since you make a good money, you have a lot of room to turn things around fast. You just need to work out...
by jabberwockOG
Mon Nov 05, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Son has job offer in Nashville, can he survive on base of 33K
Replies: 16
Views: 2453

Re: Son has job offer in Nashville, can he survive on base of 33K

Considering the economy is in very good shape, for a professional sales job, even a first sales job, that is a very low salary offer for a new job. I suggest he decline the low ball offer and ask for them to up the base to a more reasonable salary amount for an IT sales job.
by jabberwockOG
Sun Nov 04, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Buy house without agent
Replies: 28
Views: 2298

Re: Buy house without agent

Assuming you have no liability to the previous agent means they had absolutely no part in showing you the house you are going to buy, or in introducing you to builder or anyone else associated with the house, etc. If this fact is true then one alternative for you is to contact another agent (make su...
by jabberwockOG
Mon Oct 29, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Getting depressed with all this saving. :-(
Replies: 38
Views: 6355

Re: Getting depressed with all this saving. :-(

Sounds like you are doing very well financially. How about a no cost solution? Too much focus on acquiring "stuff" is not good. New or more expensive stuff will provide little to relieve depression and/or need for satisfaction/meaning in life. Instead shift some focus from acquiring better/more thin...
by jabberwockOG
Sun Oct 28, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: RealEstate slowdown and Stocks Declining....
Replies: 9
Views: 1982

Re: RealEstate slowdown and Stocks Declining....

So I kinda knew this would happen.. I think the stocks will reset to Sep-Oct 2017 levels. I'm 60% cash for the past 8 months. So how would you guys strategize if you are in the market to buy a house in a high tax state... The SALT impact is still early. Will get worse.. What will happen when most p...
by jabberwockOG
Fri Oct 26, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - gut check
Replies: 54
Views: 7019

Re: First time home buyer - gut check

35 years after buying my first of several houses I was able to retire a little early after having lived all my life in very nice houses located in high end neighborhoods. And selling that last house (mortgage previously paid off) for cash and walking away from the closing with a giant check that cov...
by jabberwockOG
Fri Oct 26, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3288

Re: Used 2016 Lexus GS 350: 40k miles too much?

40k miles is pretty high miles for a 2.5 year old car. Cars do wear internally (brakes, suspension, engine accessories like PS and alternator) and there is interior wear and tear as they are driven. Unless it is being sold at a very steep discount, I would be patient and find a lower mileage car. Be...
by jabberwockOG
Fri Oct 26, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2132

Re: House selling costs

Close on the house. Do not walk away from 30K. $500-600k good sized houses in decent neighborhoods are not going to crash in price. Just be careful with budget and spending for the next couple of years. Be sure to rebuild your emergency fund to cover 9-12 months of living expenses as your first prio...
by jabberwockOG
Thu Oct 25, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 75
Views: 6967

Re: Car battery?

Need to replace my Acura TSX battery. Most recent battery - Advance Auto Gold, which lasted only 45 months. My experience with Interstate has been very disappointing - the 2 most recent (in our Jetta & Accord) both crapped out a couple of months prior to "expected" life. .Have read that "they don't...
by jabberwockOG
Tue Oct 23, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 32
Views: 1643

Re: Making loose leaf tea

I use a simple 1 quart Pyrex measuring cup and a small hand held fine mesh strainer to pour the tea from measuring cup to drinking cup. I drink a lot of loose leaf tea, mostly aged pu'erh style tea. Steeping overnight is a bad idea. It is not a good idea to over steep/brew tea as most tea will rele...
by jabberwockOG
Tue Oct 23, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4365

Re: Canada Goose Jacket

Typical heavily branded overpriced status symbol. You can get same or actually better high quality winter parka from Mountain Hardware, Marmot, or North Face for half the price. Funny when the alternative to a "heavily branded overpriced status symbol" are "heavily branded overpriced status symbols...
by jabberwockOG
Tue Oct 23, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 32
Views: 1643

Re: Making loose leaf tea

I use a simple 1 quart Pyrex measuring cup and a small hand held fine mesh strainer to pour the tea from measuring cup to drinking cup. I drink a lot of loose leaf tea, mostly aged pu'erh style tea. Steeping overnight is a bad idea. It is not a good idea to over steep/brew tea as most tea will relea...
by jabberwockOG
Mon Oct 22, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4365

Re: Canada Goose Jacket

Typical heavily branded overpriced status symbol. You can get same or actually better high quality winter parka from Mountain Hardware, Marmot, Patagonia, or North Face for half the price. https://www.rei.com/c/mens-insulated-jackets?ir=category%3Amens-insulated-jackets&r=c%3Bhood%3AHooded%3Bback-l...
by jabberwockOG
Mon Oct 22, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4365

Re: Canada Goose Jacket

Typical heavily branded overpriced status symbol. You can get same or actually better high quality winter parka from Mountain Hardware, Marmot, or North Face for half the price.
by jabberwockOG
Mon Oct 22, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97078

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

For reference, the temperature dropped down to 32 deg last night, the coldest so far. My '12 CR-V went from cold to "comfortably warm" in under 5 minutes (less than 5 miles). Twenty minutes to get lukewarm is far too long, something is wrong. As Wakefield1 states, the first culprit is an open therm...
by jabberwockOG
Mon Oct 22, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5358

Re: Car Dealer told us car was Certified, but it isnt

We bought a certified pre-owned Mazda CX-9 in May, we were told by initial sales person that it was certified. We asked questions about the certification, how it works, what do they check for etc.... We told him how the other Mazda dealership in another state wanted to charge us for the Certificati...
by jabberwockOG
Mon Oct 22, 2018 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell or rent out my bay area house?
Replies: 27
Views: 2775

Re: Should I sell or rent out my bay area house?

Sell high is rarely a mistake. Being a long distance landlord is not a fun job even with a management company taking big fess and doing little in return. Sure. But how do you know if you are sellong high or low? If it is selling low, the option of moving back can be closed off. How much to value th...
by jabberwockOG
Mon Oct 22, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25533

Re: PSA: Don't buy a big house

We are moving from OH to the Dallas area. Our OH home is 4,100 sq ft, 1,100 of which is a finished basement. We loved it with the kids. The entertainment level is perfect. Bedrooms are upstairs. Basement was for the kids, workout room and laundry room. Now we are empty nesters and looking in the So...
by jabberwockOG
Mon Oct 22, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell or rent out my bay area house?
Replies: 27
Views: 2775

Re: Should I sell or rent out my bay area house?

Sell high is rarely a mistake. Being a long distance landlord is not a fun job even with a management company taking big fess and doing little in return.
by jabberwockOG
Sun Oct 21, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8633

Re: Quitting w/o notice

The honorable thing to do is go in on Monday and resign effective in two weeks. Then if truly necessary for your mental and physical health call in sick as many days as necessary. That is the honorable thing to do. Unless you are a critical employee on a critical project/task, in most cases many em...
by jabberwockOG
Sun Oct 21, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8633

Re: Quitting w/o notice

The honorable thing to do is go in on Monday and resign effective in two weeks. Then if truly necessary for your mental and physical health call in sick as many days as necessary. That is the honorable thing to do. If you are not ill and can work, close out your projects or assist in transitioning t...
by jabberwockOG
Sat Oct 20, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 7704

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

One thing I worry about with this wireless equipment is whether someone can drive up with equipment that jams all the wireless signals and just break into your house? Also, if it is on the same network as all the internet browsing it seems people could hack into it through household members browsin...
by jabberwockOG
Sat Oct 20, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 3013

Re: Selling to CarMax if maintenance lights on?

Craigslist should devour a Civic with 125k miles. Personally, I'd DIY the service, but if not comfortable get it done at the cheapest place you can find. Spend a couple hours cleaning the car - tip, start on the inside. :) Get a 3-ring bind and put all your maintenance records in it. Then sell that...
by jabberwockOG
Fri Oct 19, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 3013

Re: Selling to CarMax if maintenance lights on?

Selling the car after erasing the codes (and NOT doing the maintenance) doesn’t just border on being dishonest - it is dishonest. 100% agree. Completely unethical to reset codes and try to sell the car. In most cases it wont work with dealer or smart buyer because they will use a code reader before...
by jabberwockOG
Fri Oct 19, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30167

Re: IWC Watch, any thoughts?

What does spending more on a watch get you? High quality materials, such as precious metals. Higher durability. Higher level of precision of the time-keeping mechanism. (Though this only applies to mechanical watches, since the highest precision is actually found in Quartz watches, which are dirt c...
by jabberwockOG
Thu Oct 18, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8417

Re: When to change tires; and what brand

There is nothing more critical to driving safely and avoiding accidents than having high quality tires properly inflated and in good shape. I replace tires at wear bar indicator or a little before depending on the season. Absolutely will not drive icy or snow weather with tires that are worn to nea...
by jabberwockOG
Thu Oct 18, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30167

Re: IWC Watch, any thoughts?

What does spending more on a watch get you? High quality materials, such as precious metals. Higher durability. Higher level of precision of the time-keeping mechanism. (Though this only applies to mechanical watches, since the highest precision is actually found in Quartz watches, which are dirt c...
by jabberwockOG
Thu Oct 18, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Most economical high-quality car wash
Replies: 13
Views: 1472

Re: Most economical high-quality car wash

Find a local detailing shop and have them hand wash your car once a month. It will be a little expensive but it will be way cleaner at least once a month than any auto car wash can do. btw - automated car washes are very bad for your paint. The brushes and fabric cleaning panels used in typical car ...
by jabberwockOG
Thu Oct 18, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8417

Re: When to change tires; and what brand

There is nothing more critical to driving safely and avoiding accidents than having high quality tires properly inflated and in good shape. I replace tires at wear bar indicator or a little before depending on the season. Absolutely will not drive icy or snow weather with tires that are worn to near...
by jabberwockOG
Wed Oct 17, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Buyers commission on a condo purchase
Replies: 29
Views: 1822

Re: Buyers commission on a condo purchase

Fire any agent immediately that wants to charge you a fee and then wants to split the commission that the seller pays. Unless you are specifically paying extra for a supposed "buyers agent" in which case the buyers agent would not be paid by the seller. Unless you are involved in a very high dollar ...
by jabberwockOG
Wed Oct 17, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1457

Re: To replace old Volvo

Like others have posted I'd suggest looking for a 3-4 year old CPO or just off lease Volvo. Your current Volvo is 18-19 years old at this point and its reliability will continue to degrade over time to the point where it may strand you at the wrong place and the wrong time. Modern cars are very reli...
by jabberwockOG
Wed Oct 17, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11285

Re: What do you consider 'enough'?

The total "enough" number is highly dependent on context and the individual's COL location and spending habits. The most critical factors determining what is an adequate amount of assets/cash/investments for retirement or FI are 1) debt, 2) your specific cost of living where you live, 3) cost of hea...
by jabberwockOG
Tue Oct 16, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 7704

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

We have been running a pretty robust Simplisafe system for about 18 months including entry, flood, glass break, and motion sensors with zero false alarms. IN a sensor trip event the Simplisafe system calls the monitoring station via its inbuilt cell phone. It also runs its own (with battery back up)...
by jabberwockOG
Mon Oct 15, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: 1950s home. Replace drywall and insulation or repair it
Replies: 19
Views: 1736

Re: 1950s home. Replace drywall and insulation or repair it

In terms of payback figuring payback - I'd suggest using the following to plug in some numbers that fit your situation. Assuming cost of $250 per month to heat/cool the house. Assume typical 10 room house, assign maybe $25 per month to dining room. Assume adding insulation to the specific walls in q...
by jabberwockOG
Mon Oct 15, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 4050

Re: Corporate politics/culture

Agree - you'll get nothing but BS and spin from most anyone in 2cd line management and up to CEO who will be a master of BS. If you don;t already have a highly ranking mentor that is willing to level with you, you are likely not going to move up anytime soon. Look around you and trust your gut. My g...
by jabberwockOG
Mon Oct 15, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 66
Views: 8610

Re: UPDATE: Credit Card Fraud - $30K

This is an update on my credit card fraud investigation. About 60 days after reporting the fraud to Citibank, they have credited my account with the 3- $10k charges for a total of $30k. My credit score is back above 800 and all is well. I was not expecting to hear anything back from them about this...
by jabberwockOG
Mon Oct 15, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4114

Re: How Much Is Your Sewer Bill?

Combined city bill is for - water, sewer, trash, and natural gas. Then monthly bill varies between low of $68 and high of $120 depending on how much water we use for the yard (we use a lot of water in July and August). Average bill is $80. We only have gas stove, so the gas component is never more t...
by jabberwockOG
Sat Oct 13, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Honda routine maintenance costs in Boston?
Replies: 12
Views: 918

Re: Honda routine maintenance costs in Boston?

Honda and Toyota are super reliable and so their dealer service shops were going broke from losing money. They found a way to make a profit again about 30 years ago by inventing the hugely overpriced "packaged" service deals at 7.5, 15,30,45,60,90k miles. Instead only take your car for service/maint...
by jabberwockOG
Sat Oct 13, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: 2013 MAzda CX-9
Replies: 2
Views: 215

Re: 2013 MAzda CX-9

My Pre-owned Mazda CX-9 bought it 4 months ago, and wife says it makes a squeeling noise. Dealership wants to charge a $130 diagnostic to see if it is covered by warranty, but I know it wont be, that is how the insurance game works, only cover the things that aren't likely to go wrong and make them...
by jabberwockOG
Sat Oct 13, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9844

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

Giving your time and skill generously working for absolutely free for the good of others less fortunate in your community is the best possible pay. The rewards and sense of accomplishment are pretty amazing.
by jabberwockOG
Sat Oct 13, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3193

Re: Home Purchase - Sellers Request Help with Repairs

An adequately installed and functioning waste/septic system is a basic requirement for a house, not a feature. Absolutely say no to their request that you assume partial cost for them. The sellers are 100% responsible to repair non functioning septic system. The seller will have to repair the septic...
by jabberwockOG
Sat Oct 13, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Crawlspace flooding issues - builder liable?
Replies: 16
Views: 1081

Re: Crawlspace flooding issues - builder liable?

After all this crawl space flooding I had my buddy who’s an architect come over and do a quick walk through of the crawl space. Our findings: - foundation drain that apparently drains right into our crawl space (not surprisingly this is the part of the crawl space where there is the flooding) - mul...
by jabberwockOG
Fri Oct 12, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Crawlspace flooding issues - builder liable?
Replies: 16
Views: 1081

Re: Crawlspace flooding issues - builder liable?

Ideally soil in the crawlspace should be level with exterior grade of the soil. Otherwise water running on the outside soil will naturally run downhill. You have two separate and distinct issues. 1) An effective vapor barrier is designed and installed to keep any water accumulation underneath it so ...
by jabberwockOG
Thu Oct 11, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2274

Re: Route-66 trip recommendations

Seriously. Most of Route 66 is abandoned gas stations and diners, and ugly shops selling Route 66 hats and t-shirts. Nothing scenic. Nothing particularly historic. Nothing to see there. Read Steinbeck’s The Grapes of Wrath , and realize that that period was the peak period for that road. Go buy a n...
by jabberwockOG
Thu Oct 11, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3055

Re: Dayton, Ohio -- Worth Visiting?

Large parts of Dayton look like a bombed out urban wasteland. I live just a short distance away, and wasn't aware much of Dayton was a Mad Max style dystopian society. Could you elaborate on specifically where these "large parts" of Dayton resemble a "bombed out urban wasteland"? https://www.pbs.or...