Search found 2230 matches

by jabberwockOG
Fri Sep 18, 2020 6:03 pm
Forum: Investing - Theory, News & General
Topic: Gold continues to soar!
Replies: 241
Views: 13710

Re: Gold continues to soar!

Perhaps gold makes sense versus just holding cash in times where inflation is anticipated. I am more comfortable holding equity positions in the S&P 500 and the Nasdaq Indexes as an inflation hedge. Gold has value because some people think it is valuable and that feels somewhat capricious to me. I a...
by jabberwockOG
Fri Sep 18, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 42
Views: 1578

Re: Ring for a new girlfriend

Absolutely bad idea on a ring. I think there is only downside for you in purchasing any kind of ring except engagement ring when the time is right. Maybe necklace or earrings but not too extravagant. You will have plenty of time for fancy expensive gifts later is this person is a match for a long te...
by jabberwockOG
Fri Sep 18, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Cost of Goods in House?
Replies: 16
Views: 1404

Re: Cost of Goods in House?

$12k for a 2 bedroom apartment/condo sounds like it is 2x what it should be. Get some more quotes and consider using one of the container/pod systems to move your goods - you pack it and they move it to destination. Streamline and get rid of what you will not take before getting any more quotes. bea...
by jabberwockOG
Thu Sep 17, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: Building a house and builder screwed up exterior paint horribly
Replies: 102
Views: 5841

Re: Building a house and builder screwed up exterior paint horribly

You approved the colors so it's 100% on you if you are unhappy with the color. The builder's mistake is attempting to do a color match for you. They should have told you that it was your responsibility to give them the exact color you wanted. Its not their job to try to color match from pictures but...
by jabberwockOG
Tue Sep 15, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: How old is a car that can still be traded in?
Replies: 47
Views: 3397

Re: How old is a car that can still be traded in?

People need to understand that when they trade in a car what they are essentially doing is paying a dealer a steep fee to sell their car for them. The dealer will at most give you wholesale or less than wholesale because they have to take on the time, risk, and hassle of selling your car for you. S...
by jabberwockOG
Tue Sep 15, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Retirement home Job opportunity for teenager / pros cons
Replies: 18
Views: 888

Re: Retirement home Job opportunity for teenager / pros cons

Not worth the health risk, especially if they become infected and infect other friends and family members before realizing they themselves are infected.
by jabberwockOG
Mon Sep 14, 2020 11:07 pm
Forum: Personal Consumer Issues
Topic: How old is a car that can still be traded in?
Replies: 47
Views: 3397

Re: How old is a car that can still be traded in?

People need to understand that when they trade in a car what they are essentially doing is paying a dealer a steep fee to sell their car for them. The dealer will at most give you wholesale or less than wholesale because they have to take on the time, risk, and hassle of selling your car for you. So...
by jabberwockOG
Sun Sep 13, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: what do others pay for umbrella insurance, and is it needed?
Replies: 58
Views: 4460

Re: what do others pay for umbrella insurance, and is it needed?

Only thing you can do is shop locally for quotes. We pay approx $350 for a 2M umbrella with one of the majors. We are in a LCOL area, retired, no previous claims.
by jabberwockOG
Sun Sep 13, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Halogen Dimmer Bulbs Issue
Replies: 3
Views: 280

Re: Halogen Dimmer Bulbs Issue

Dimmers do occasionally wear out and/or go bad. If it's multiple lights showing same symptom it's likely a worn out dimmer.
by jabberwockOG
Sun Sep 13, 2020 10:24 pm
Forum: Personal Consumer Issues
Topic: Bike Recommendation
Replies: 30
Views: 2298

Re: Bike Recommendation

Don't forget to buy the best helmet you can afford.
by jabberwockOG
Sat Sep 12, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: bare-bones phone and cheapest prepaid plan for a kid
Replies: 37
Views: 1752

Re: bare-bones phone and cheapest prepaid plan for a kid

The average 12-18 year old is doing 50-100 texts a day at a minimum - they generally do not talk on the phone at all. Be prepared for that at some point relatively soon.
by jabberwockOG
Sat Sep 12, 2020 7:25 am
Forum: Personal Consumer Issues
Topic: Managing Indoor Humidity
Replies: 62
Views: 3432

Re: Managing Indoor Humidity

Be aware that if you have high humidity levels and need a standalone dehumidifier during AC season, it is almost certain that you will need it even more during the spring and fall "shoulder" seasons when the AC/heat isn't running or running very little. Where I live in the shoulder seasons neither t...
by jabberwockOG
Fri Sep 11, 2020 10:53 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback, oil leak?
Replies: 40
Views: 1957

Re: Subaru Outback, oil leak?

A good independent shop that uses ASI certified mechanics should be able to trace, locate and diagnose an oil leak and give you an estimate to repair. Leak repairs are 90% labor cost, location is everything, some leak repairs are easy and cheap and some are difficult and very expensive. Most engines...
by jabberwockOG
Fri Sep 11, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Subaru Outback, oil leak?
Replies: 40
Views: 1957

Re: Subaru Outback, oil leak?

Never trust supposed oil leak diagnosis from any National chain oil, tire or battery places. These places bonus their technicians to "discover" issues and then up sell additional repairs.
by jabberwockOG
Mon Sep 07, 2020 7:11 pm
Forum: Personal Consumer Issues
Topic: Staining a previously painted porch
Replies: 20
Views: 1129

Re: Staining a previously painted porch

Sounds like a bad idea to me. Immense amount of labor and mess, with unknown end result - might look great might look not so great. Most stains are not weather proof so lots of maintenance involved particularly in flooring that sees a lot more standing water, etc and wear and tear from walking traff...
by jabberwockOG
Mon Sep 07, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: Do you have a lot of "actions" in your retirement life?
Replies: 68
Views: 7303

Re: Do you have a lot of "actions" in your retirement life?

You are right. Keeping life interesting for a few decades is not an easy task. Absolutely. This reminds me of what I've seen some people do... Not my thing, and I'm not endorsing it, but it shows you to what extent some will go to keep it going. I've known a few very financially successful men who ...
by jabberwockOG
Mon Sep 07, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Do you have a lot of "actions" in your retirement life?
Replies: 68
Views: 7303

Re: Do you have a lot of "actions" in your retirement life?

Interesting to me that concepts like retire and work are essentially mysterious to so many of us. Some of the problem exists because these terms are entrenched archetypes, and today at least for the high income class, they are obsolete. In retirement (the period of my life after I stop working for m...
by jabberwockOG
Sat Sep 05, 2020 5:40 pm
Forum: Personal Consumer Issues
Topic: 70% VLT automotive window tint. Is it worth it?
Replies: 13
Views: 946

Re: 70% VLT automotive window tint. Is it worth it?

Does it make much difference in reducing heat and sun glare? Absolutely. I have 3M ceramic tint on my cars and the difference is totally worth the money. If you are going to tint the windshield, 3M has a 90% VLT tint that has 70% heat rejection - That's the one I would get. Good advice. No need to ...
by jabberwockOG
Sat Sep 05, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: Buying guns not an option, what else
Replies: 56
Views: 4976

Re: Buying guns not an option, what else

Rule number 1.0 - First be sure you live in an extremely safe neighborhood. If not move immediately. 1. Add a medium to large size dog if you are able and want to be a pet owner. 2. Install motion activated lights at all four corners of your house. 3. Install video camera and doorbells front and bac...
by jabberwockOG
Fri Sep 04, 2020 9:41 pm
Forum: Personal Consumer Issues
Topic: Durable Couch Recommendations
Replies: 13
Views: 1138

Re: Durable Couch Recommendations

Tough to find high quality furniture these days. Most major retail furniture stores carry cheaply made junk that will quickly show wear, sag, and become uncomfortable.
by jabberwockOG
Fri Sep 04, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: cancellation fee [event reservation]
Replies: 15
Views: 1403

Re: cancellation fee [event reservation]

That's crazy - so according to the CC company because the contract was silent on exact refund, the merchant could have charged you $499 one day after you made the reservation anytime up to one month before event, and then it could have added $1 and kept the whole $500. That's nuts. You have an impli...
by jabberwockOG
Fri Sep 04, 2020 7:14 am
Forum: Personal Investments
Topic: I accidentally went into cash yesterday. What to do now?
Replies: 34
Views: 5081

Re: I accidentally went into cash yesterday. What to do now?

You could buy in today and feel good about the potential small gain but there is no certainty that the market will rise or fall from this point. Your buy in today might precede a further 20% decline before end of year or it could be a 20% gain - the point is nobody knows. A secondary point is that s...
by jabberwockOG
Thu Sep 03, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Where to buy disinfectant wipes?
Replies: 33
Views: 1958

Re: Where to buy disinfectant wipes?

Our local Home Depot was stocked to the gills with every possible kind of cleaning and disinfect products this weekend.
by jabberwockOG
Thu Sep 03, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Does dishwasher need to be replaced?
Replies: 16
Views: 1156

Re: Does dishwasher need to be replaced?

If it really was smoke (burning smell) and it is 8-9 years old, not worth trying to repair, I'd replace it. Get someting quieter and more efficient while you are at it.
by jabberwockOG
Thu Sep 03, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: Cooktops
Replies: 12
Views: 928

Re: Cooktops

We installed a 5 burner Samsung late last year. Link below. Highest rated by consumer reports. Looks good and it works really well.

https://www.homedepot.com/p/Samsung-36- ... /306032704
by jabberwockOG
Thu Sep 03, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Insulation and air sealing quote - does this seem reasonable?
Replies: 18
Views: 1184

Re: Insulation and air sealing quote - does this seem reasonable?

I live in Pennsylvania and I believe our program here is only for low income so I don't quality. I could take out a 1% ten year loan from the state but that seems silly. Our a/c is not in the attic thankfully. End goal is to reduce electricity costs. Would love to pay $100-$300 monthly for electric...
by jabberwockOG
Wed Sep 02, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?
Replies: 121
Views: 7960

Re: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?

I had a delivery of some stuff from Walmart last week over $35 so shipping was free. Couple cans of coffee, and about 8 glass bottles of various foods, that the local stores seem not to have had in stock for months. It all came in a large box. Much larger than necessary. NO packing materials at all...
by jabberwockOG
Tue Sep 01, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Should I purchase Bosch Dishwasher Extended Warranty?
Replies: 15
Views: 982

Re: Should I purchase Bosch Dishwasher Extended Warranty?

Extra cost extended warranty on most consumer items is always a bad bet. Super high profit item for the sellers.
by jabberwockOG
Tue Sep 01, 2020 7:20 am
Forum: Personal Consumer Issues
Topic: Any car enthusiasts? (or soon to be)
Replies: 112
Views: 6513

Re: Any car enthusiasts? (or soon to be)

I have a Nissan GTR which is a very fun car to drive...reliable, good street manners and it will eat just about anything else up for lunch. I acutally drive it back and worth to work once in a while...all wheel drive and great in the rain also...easy to get serviced as well. Not a bank breaker... G...
by jabberwockOG
Mon Aug 31, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: 2016 Mazda 3 Sedan no longer fits!
Replies: 29
Views: 1765

Re: 2016 Mazda 3 Sedan no longer fits!

Time to get something bigger and safer for your family.
by jabberwockOG
Sat Aug 29, 2020 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Should I quit high paying job?
Replies: 76
Views: 8485

Re: Should I quit high paying job?

Its OK for your boss not to like you but never OK for them to treat you in an unprofessional manner. If you can handle the in-person stress and conflict, the next time it happens immediately respond with politely but firmly telling them that you will not tolerate being yelled at and berated in an un...
by jabberwockOG
Fri Aug 28, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Lead paint and house offer accepted
Replies: 47
Views: 3469

Re: Lead paint and house offer accepted

If the paint is in good condition and tightly bound to the surface it is unlikely to be a hazard in significant amounts. What can be dangerous is sanding and demo work on the painted surfaces that may release lead particles into the air.
by jabberwockOG
Thu Aug 27, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: $40k Hardwood Floors Gone Wrong - Help!
Replies: 43
Views: 4825

Re: $40k Hardwood Floors Gone Wrong - Help!

The fault is 75% on the manufacture, maybe 25% your responsibility for not stopping the project before install began. I'd politely request the manufacturer to pay for labor and materials to replace the mislabeled incorrect floor with the correct color flooring that you actually ordered and paid for....
by jabberwockOG
Mon Aug 24, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: Can any people who shop/deliver for Instacart give me a shoppers-eye view...
Replies: 17
Views: 2144

Re: Can any people who shop/deliver for Instacart give me a shoppers-eye view...

We have had mixed results. It's better to include special instructions on anything you are extra picky about. Many of them are in a hurry, and rather than focus on a quality service they are moving quickly and not taking time to find things. I had one guy immediately substitute several items until I...
by jabberwockOG
Mon Aug 24, 2020 10:05 am
Forum: Personal Investments
Topic: When is enough enough?
Replies: 73
Views: 6964

Re: When is enough enough?

You’re doing fantastic, in terms of net worth and age. Take just what you have today, and project it out to see how much it will be when you retire. You might not need to save another penny ever. Since you’ve done such a good job, you do have lots of flexibility here. I’m in a similar situation. An...
by jabberwockOG
Sat Aug 22, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 165
Views: 10631

Re: PSA: switch to LED light bulbs and save hundreds per year

Costco has LED floods and certain size bulbs for about $1 each (on sale a few months ago). They work well with our existing Lutron dimmers. The box or website has a (long) list of compatible dimmers. No flickering unless you mix LEDs and incandescents on the same run. We switched to all led lightin...
by jabberwockOG
Sat Aug 22, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: Thoughts on sewage lift station in new home?
Replies: 37
Views: 2728

Re: Thoughts on sewage lift station in new home?

Absolutely not. There are thousands of house for sale. Find another house that does not have this potentially serious defect.
by jabberwockOG
Thu Aug 20, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: Dental insurance for seniors
Replies: 29
Views: 2519

Re: Dental insurance for seniors

Running the expected results over time for most dental plans showed me that payouts are so limited that the premiums are more like prepaid dental plan payments than insurance. Since it looked like a financial wash over time we opted to cancel dental insurance policies and pay as we go. Be sure to as...
by jabberwockOG
Thu Aug 20, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Simplisafe in 2020
Replies: 25
Views: 2788

Re: Simplisafe in 2020

We have had simplisafe for almost 5 years in our new house. reliable and quick monitoring with no issues. But be aware for it to be functional usable system you need to upgrade to their $25/month plan. If I had to do it again today I'd check into other systems like Ring and Nest. Monitoring costs fo...
by jabberwockOG
Thu Aug 20, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7128

Re: new car purchase: any reason NOT to do 0% financing

Some of this arguing about financing actually illustrates that even financially smart folks don't understand the car business and how to buy a car for a fair price. When requesting the dealer's lowest price making them compete for your business, a smart buyer's position is "give me your best OTD pri...
by jabberwockOG
Sun Aug 16, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Value of Six/Lean Six Sigma certifications and accrediting bodies.
Replies: 27
Views: 2194

Re: Value of Six/Lean Six Sigma certifications and accrediting bodies.

Check out the job boards in the sector and role you are interested in filling. There likely are dozens of jobs posted. Which certifications are most often listed for those specific roles/positions as required or helpful. Go get a couple of those, and all other things being equal it may help you get ...
by jabberwockOG
Sun Aug 16, 2020 8:35 pm
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31084

Re: What surprised you the most once you retired?

Paying attention to the simple pleasures - sometimes the happiest part of my day (in retirement) occurs when I realize that I won't get to a project or errand today, and decide that getting it done tomorrow or the next day will be absolutely fine. These are moments are priceless, and were too rare w...
by jabberwockOG
Sun Aug 16, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: Matcha green tea
Replies: 14
Views: 1180

Re: Matcha green tea

I buy from these guys, nice quality and price. But don't tell anyone else....

https://www.teabox.com/products/pure-matcha-green-tea
by jabberwockOG
Sat Aug 15, 2020 10:50 pm
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7128

Re: new car purchase: any reason NOT to do 0% financing

There is no such thing as free money and no such thing in the retail world as 0% financing. Somebody ALWAYS has to pay for the "market" interest cost and the only person paying money in a car transaction is the car buyer. So guess who actually pays the real interest cost in every car deal? - the buy...
by jabberwockOG
Fri Aug 14, 2020 10:13 pm
Forum: Personal Consumer Issues
Topic: Where to find a quality, lower cost muscle car
Replies: 92
Views: 5655

Re: Where to find a quality, lower cost muscle car

Check out local car shows and monthly Cars and Coffee events near your location. Attend and get to know and talk to as many folks as possible that are showing their cars, especially any of the type that interests you. They will know where the deals are located or they may have cars to sell.
by jabberwockOG
Fri Aug 14, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: August SAT - where to take it?
Replies: 4
Views: 465

Re: August SAT - where to take it?

I would stay out of the Southern states where Covid19 is spiking right now and where large portions of the population is resisting wearing masks and basic social distancing mandates. Taking a test is not worth being exposed and getting sick. The schools that are open down here won't be open for very...
by jabberwockOG
Fri Aug 14, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: Outdoor Winter Car Storage Advice Please
Replies: 14
Views: 824

Re: Outdoor Winter Car Storage Advice Please

1. With engine running put the HVAC system on recycle. This will close the external and internal ventilation openings on the car. 2. Rodents like to nest in the engine air filter airbox. Put several layers of duct tape over the airbox outside air opening inlet - it feeds the air filter and is connec...
by jabberwockOG
Thu Aug 13, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15244

Re: Products that last forever

My 1943 Martin 000-18 sounds better than ever.

Snap-on 3/8 socket set still works perfectly 45 years later.

Macbook pro 2013 - runs like brand new, no fuss no muss.
by jabberwockOG
Mon Aug 10, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Moving truck rental add-ons
Replies: 26
Views: 1627

Re: Moving truck rental add-ons

It is important to call your insurance agent ahead of time and find out what the options are to insure the rental vehicle and the contents of your home move. We hired and paid to move folks across country a lot in the past. Most of the time the moves went off with no issues. But in two exception sit...
by jabberwockOG
Fri Aug 07, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Need washing machine recommendations
Replies: 4
Views: 417

Re: Need washing machine recommendations

We bought this last year from Costco. Works great. Smooth spin cycle. Gets good reviews. https://www.costco.com/lg-4.5cuft-wi-fi-enable-front-load-washer-with-smartthinq-technology.product.100427981.html?langId=-1&krypto=u9%2FTzu3Eo3AYIQR%2FkY99WeUjZJFyk0rIP672JiHT9cd%2FX2wMNxLAvjpa%2Byby9Z3k3GgvGSZ...