Search found 540 matches

by Nissanzx1
Mon Feb 25, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 8063

Re: How often do you and your friends change engine oil?

Every 5K-6K using Walmart SuperTech Synthetic. I change it myself. $20 with filter and all taxes included. I have been using it for years now in our 2 daily cars...
by Nissanzx1
Sun Feb 24, 2019 11:06 pm
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 124
Views: 9713

Re: Is Hyundai the value sweet spot?

Nope. I don’t buy the brand. The quality is higher than the early cars, but there is a long way to go. Resale value is second most awful only to Kia. We have a friend that bought his Sonata new, engine blew at 80K miles (it was serviced at the dealer for every oil interval). No way, I don’t need the...
by Nissanzx1
Sun Feb 24, 2019 11:01 pm
Forum: Personal Consumer Issues
Topic: Paypal wants my SSN
Replies: 12
Views: 3379

Re: Paypal wants my SSN

They want to make sure they can get that 1099 to you... Does this new policy refer to the standard PayPal account, which might have a balance at any given time, or some other interest bearing account with them? The former doesn't pay any interest and I have never received any type of tax statement ...
by Nissanzx1
Sat Feb 23, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Ring Shopping
Replies: 82
Views: 4047

Re: Ring Shopping

For that much money, it had better be a sizzler, killer stone. I’d look at pawn shops for a stone. Have a jeweler design a band she likes custom. I got engaged 5 years back with a 1.03 D Color Purchased From Israel direct for $2700. Another $2500 for custom WG 14K mount. Done. She likes it- it looks...
by Nissanzx1
Sat Feb 23, 2019 8:11 am
Forum: Personal Investments
Topic: Edward J rep is not answering my Questions
Replies: 42
Views: 6358

Re: Edward J rep is not answering my Questions

My 85 year old father in law has been 100% in bank CD’s his entire life, never even one share of stock. “Stocks aren’t any good.” My point being EJ (high as the fees are), it could always be worse... love my FIL very much and he’s worked hard; but My Boglehead brain can’t help but think of the oppor...
by Nissanzx1
Thu Feb 21, 2019 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to finance car purchase for teen
Replies: 60
Views: 2824

Re: How to finance car purchase for teen

No he won’t get financing for a $15-$20K car with no money, no job, and no credit. Unless I’m missing something, he’s going to struggle to make the payments anyway. That’s quite a bit of responsibility for such a young person to be saddled with. What sort of lesson would it teach him? Just trying to...
by Nissanzx1
Wed Feb 20, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Paying 100K+ twards Mortgage
Replies: 6
Views: 1306

Re: Paying 100K+ twards Mortgage

Reach out to the mortgage company first and explain you want to reduce the principle, not make $100K in pre payments.

They will let you know the process. Congrats on the headwinds...
by Nissanzx1
Tue Feb 19, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Paypal wants my SSN
Replies: 12
Views: 3379

Re: Paypal wants my SSN

They want to make sure they can get that 1099 to you...
by Nissanzx1
Tue Feb 19, 2019 10:35 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 8827

Re: How many bogleheads do you know in real life?

Zero. We are like unicorns.
by Nissanzx1
Tue Feb 19, 2019 7:34 am
Forum: Investing - Theory, News & General
Topic: Do you look back and wish you were more aggressive?
Replies: 64
Views: 4498

Re: Do you look back and wish you were more aggressive?

I’ve always been in equities since I started investing 20 years ago in a 401K. I do certainly have regrets-principally that I didn’t invest a larger percentage of my income. No regrets about asset class choice yet...
by Nissanzx1
Mon Feb 18, 2019 11:44 pm
Forum: Personal Consumer Issues
Topic: First thing(s) you'd do when you achieve financial independence?
Replies: 73
Views: 5985

Re: First thing(s) you'd do when you achieve financial independence?

Probably will slow down and work a little less. Take one or two more vacations per year. I have more than I need already, I can’t really see things changing too drastically.

Mentally, I think I’ll feel better...
by Nissanzx1
Mon Feb 18, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 113
Views: 12717

Re: Mega Downsize....

I’d probably make a list of the items with no resale value and make a goal of one truck load every 2 weeks to donate. Once all that stuff is gone (sounds like months) have several garage sales this summer. If it’s over $100 value, Craigslist or eBay it. You might be shocked at the ebay fees so look ...
by Nissanzx1
Sun Feb 17, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: NYC diamond district - pre-owned diamond jewelry, buying tips?
Replies: 24
Views: 1872

Re: NYC diamond district - pre-owned diamond jewelry, buying tips?

Pawn shops are the only place I buy jewelry. It’s a steal. I routinely get 50% of their asking price by walking away. I’m kind about it but firm. Wife has some really incredible pieces. I bought a bunch of loose Tanzanites at one last year. Absolutely stole them. How do you evaluate what you are bu...
by Nissanzx1
Sun Feb 17, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Moved to new state/job 6M ago. Previous employer wants me back!
Replies: 57
Views: 5631

Re: Moved to new state/job 6M ago. Previous employer wants me back!

I wouldn’t consider moving back for even one second. Grow where you are planted. This stuff is napalm for marriages/kids.

I probably would look at other jobs in Texas in your current community after the 2 years elapses.
by Nissanzx1
Sun Feb 17, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 401
Views: 99290

Re: If your net worth is over $3 million, how did you do it?

Purchased about $50,000 worth of stock in a small savings and loan in 1984ish. That S&L has done extraordinaryly well and that investment is worth over $1M today and pays out hefty dividend income. I, also, invested in a local savings and loan about the same time period but didn't invest quite as m...
by Nissanzx1
Sun Feb 17, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 7641

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

The Audi is an $8000 car in 5-6 years. Is that really what you want to do with your money? Buy a 5-6 year old Audi for $8000-10,000 and drive it as your nice car for the weekends. Pay cash. You are doing so well with your savings and investments, don’t screw it up with a high depreciation car purcha...
by Nissanzx1
Sun Feb 17, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: using uber versus buying a car
Replies: 54
Views: 3617

Re: using uber versus buying a car

I’m too much of a control freak to trust someone from Uber to get me in a timely fashion. I did car rental for 10 years and I guarantee you SLP and rental rate are not a good long term plan either. The credit card damage waivers almost never cover all the damage. You’ll see how wormy those coverages...
by Nissanzx1
Sat Feb 16, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 401
Views: 99290

Re: If your net worth is over $3 million, how did you do it?

I answer for my folks. They are both 69. Grew up poor in rural Midwest town. Worked as teller, dept store clerk while putting each other through undergrads. Had me and my sibling. Took low level corporate jobs. Frugal spending. No loans other than home mortgage. Drove older cars but they ran. Both d...
by Nissanzx1
Sat Feb 16, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: NYC diamond district - pre-owned diamond jewelry, buying tips?
Replies: 24
Views: 1872

Re: NYC diamond district - pre-owned diamond jewelry, buying tips?

Pawn shops are the only place I buy jewelry. It’s a steal. I routinely get 50% of their asking price by walking away. I’m kind about it but firm. Wife has some really incredible pieces.

I bought a bunch of loose Tanzanites at one last year. Absolutely stole them.
by Nissanzx1
Sat Feb 16, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Buying a used car..how many owners is too many owners?
Replies: 24
Views: 3768

Re: Buying a used car..how many owners is too many owners?

When buying a used auto go by what’s in front of you. Have a mechanic perform an inspection of the vehicle.

Number of owners means nothing. You could have 6 owners who cared for the car well, or one owner that only changed the oil twice in 6 years. Which car would you rather own now?
by Nissanzx1
Sat Feb 16, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4132

Re: Another "Is it worth it to fix" question

The gas tank at Rock Auto is $200. Whoever is telling you $500 for a tank is on crack. You are absolutely right! $200 and change. I searched myself this afternoon and was finding $380 plus $40 for the straps. At RockAuto I can get the whole thing plus the gaskets for $215.00. I am going to check wi...
by Nissanzx1
Sat Feb 16, 2019 8:53 am
Forum: Personal Investments
Topic: Girlfriend's Financial Advisor Recommendations...
Replies: 63
Views: 7752

Re: Girlfriend's Financial Advisor Recommendations...

“Advisors” are great at roping in individuals like your girlfriend who are genuinely nice people concerned with others feelings. I tried two financial “advisors” and absolutely horrible experiences and will never see one again. I hang here instead and will do fine. At 40, I am totally done worrying ...
by Nissanzx1
Fri Feb 15, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4132

Re: Another "Is it worth it to fix" question

Fix it- no contest.

You’d spend $1000 on sales tax alone on a $10,000 used car. And you could get a $10,000 lemon...
by Nissanzx1
Wed Feb 13, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Attempting To Be Debt Free
Replies: 56
Views: 4650

Re: Attempting To Be Debt Free

I think you need to be “Done” with debt emotionally. This means cutting up cards, closing down available credit lines, etc. all this work will be for nothing if you tap a $10,000 credit line in 3 years or take a car loan for $19K. Are you really “done?” I’m 40 and debt free but was similar to you at...
by Nissanzx1
Tue Feb 12, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: Ebay sale to Puerto Rico
Replies: 12
Views: 926

Re: Ebay sale to Puerto Rico

I have had problems with PR, I’m an eBay powerseller with nearly 4000 FB’s. I now exclude ALL international transactions including PR.

Every transaction was a problem.
by Nissanzx1
Tue Feb 12, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 5894

Re: Newlyweds and joint accounts for household expenses

The preacher says 2 become one. I realize either philosophy can work. In my own circle of friends and acquaintances, those with joint accounts are in better overall financial health, as working on goals together gets traction and more quickly. Our friends with mine and yours are not funding retireme...
by Nissanzx1
Sat Feb 09, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: What does financial peace look like to YOU?
Replies: 64
Views: 5868

Re: What does financial peace look like to YOU?

For me it’s no mortgage, no debt, and a good start at retirement.
by Nissanzx1
Sat Feb 09, 2019 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Buying house with son [and his girlfriend]
Replies: 169
Views: 5829

Re: Buying house with son

Don’t like it. What happens when a child is killed in a freak accident on the property and you get sued for millions? This happened to a family member of mine. Unbearable heart ache and aged them 10 years. Trust me, not something you could see coming...
by Nissanzx1
Thu Feb 07, 2019 11:39 pm
Forum: Personal Investments
Topic: CD investment decision
Replies: 55
Views: 4556

Re: CD investment decision

I wouldn’t use a CD in that scenario. You’ll need more than that rate to live well and get basic health insurance. I have a business associate with 1/2 his net worth in one CD. I think it’s not smart. Money in 401K’s and in some states, IRA’s aren’t accessible in case of lawsuit. CD’s would make you...
by Nissanzx1
Wed Feb 06, 2019 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wants to borrow $50k
Replies: 51
Views: 2834

Re: Employer wants to borrow $50k

Time for husband to get some boundaries. I wouldn’t consider this for 1 second. In fact, I would probably not be able to resist laughing out loud.
by Nissanzx1
Wed Feb 06, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Intro and Personal Finance Advice
Replies: 55
Views: 5118

Re: Intro and Personal Finance Advice

There's a lot going on here. First, congratulations. Second, go listen to Dave Ramsey. Third, once you get to the investing party of Dave Ramsey, stop and come back here. Good luck! This is great advice. Spot on. OP you are paying attention and you know the numbers- that’s all good. You have signif...
by Nissanzx1
Wed Feb 06, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 10630

Re: How much do you keep in checking?

Not much. Maybe $1000 after I pay bills and withdraw to off-site high interest savings. I keep $2000 emergency money at the same local bank as our checking for rare small emergencies in a savings account. All the rest of our real money is at Discover bank or Capital One 360. Made $1000 last year in ...
by Nissanzx1
Tue Feb 05, 2019 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Home Warranty
Replies: 27
Views: 1383

Re: Home Warranty

I always pass on warranties as they figure out a way to worm out of coverages and I don’t want to have to “sell” the claim for something I’ve already paid for. You have a home now with needed repairs coming up soon, so allocate enough every month to cover those within the expected time frames. Stuff...
by Nissanzx1
Tue Feb 05, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Expensive clothing lost in mail
Replies: 4
Views: 915

Re: Expensive clothing lost in mail

I’d give it 1-1.5 months before you start to worry much. I spend about $15,000 shipping per year and and I can tell you some parcels get lost for weeks for no reason (especially first class). In the future, drop off only at USPS location. No third party stuff, high instances of theft there. People a...
by Nissanzx1
Sat Feb 02, 2019 12:32 am
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2661

Re: eBay Item NOt Received - but DELIVERED

Give it a few days. Usps tracking is often flat wrong.

We have to re-deliver packages left at our home routinely. I don’t think one of our mail guys can read some days. They will likely take the parcel back to usps in the next few days...
by Nissanzx1
Fri Feb 01, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 9146

Re: Marriage "Benefits"

It depends on so many factors. Admittedly, there are many ways to go wrong with couples. In-laws, kids, religion, money, infidelity, any of these have the potential to end marriages. In our case, we are on the same page with financial stuff so we both feel like we are way ahead of where we would hav...
by Nissanzx1
Fri Feb 01, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Incremental Savings of Keeping Car
Replies: 27
Views: 1923

Re: Incremental Savings of Keeping Car

I think this type of study is fun but you must consider driving style and maintenance schedule when running these numbers. Aggressive driving isn’t just dangerous, it’s wasteful and in the long run- VERY expensive (tires, brakes, transmission wear, etc). Long term ownership 10-15 years has been my p...
by Nissanzx1
Tue Jan 29, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Help me diagnose a car issue
Replies: 29
Views: 1950

Re: Help me diagnose a car issue

Honda V6’s have major transmission issues. Google it and you’ll see it’s a known thing.

I have a Honda Element that I have put 3 transmissions in so far... ONLY use the Honda fluid.
by Nissanzx1
Sat Jan 26, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel overpaid?
Replies: 72
Views: 4504

Re: Do you ever feel overpaid?

Lol. No, I’ve always felt quite the opposite. I’m in low level B2B sales and I sell $90-100K/mo in product and make only $3500ish/mo. I did car rental for 10 years at $7-12/hr. Lots of manual labor. I’ve never made over $60K Gross. I work probably 10-12 hours per day. Never felt for one second overp...
by Nissanzx1
Thu Jan 24, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Cash for Primary Residence?
Replies: 26
Views: 2318

Re: Pay Cash for Primary Residence?

I'd pay cash and have the piece of mind personally. But only if you are committed to saving for retirement (and you are!). No brainer!
by Nissanzx1
Wed Jan 23, 2019 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Should I use my Roth IRA to pay off CC debt
Replies: 29
Views: 3601

Re: Should I use my Roth IRA to pay off CC debt

Don't feel bad your situation is very, very common. You are paying attention, you realize there is a problem. It's time to get real. No restaurants, no vacations, no fun until this gets cleaned up. Time to sever the relationship with credit cards. You have been living someone else's lifestyle. Time ...
by Nissanzx1
Sun Jan 20, 2019 11:25 pm
Forum: Personal Consumer Issues
Topic: Where to buy CR2032 batteries?
Replies: 48
Views: 3786

Re: Where to buy CR2032 batteries?

I buy a ton of these type of batteries. You'll find the best prices on eBay.
by Nissanzx1
Sun Jan 20, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: Do any of you guys have a good on-line wine store?
Replies: 12
Views: 1012

Re: Do any of you guys have a good on-line wine store?

I'm in the wine business now about 18 years. Direct shipping makes sense if you are buying a $700 case of wine. Not so much if you are buying $15 bottles of wine. Shipping isn't "free" even if it is. The dirty little secret about our business is that there are so many bulk junk juice wines being sol...
by Nissanzx1
Sat Jan 19, 2019 12:38 am
Forum: Investing - Theory, News & General
Topic: Investing and Paying down Debt
Replies: 10
Views: 1373

Re: Investing and Paying down Debt

It sounds like lots of big goals at once. I'd slow down and prioritize a large emergency fund, because of your concern about job loss. That will help you feel more secure as you make your way through subsequent goals. You made a decision a couple years back to take on a sizable mortgage. Depending ...
by Nissanzx1
Fri Jan 18, 2019 7:40 am
Forum: Investing - Theory, News & General
Topic: Investing and Paying down Debt
Replies: 10
Views: 1373

Re: Investing and Paying down Debt

It sounds like lots of big goals at once. I'd slow down and prioritize a large emergency fund, because of your concern about job loss. That will help you feel more secure as you make your way through subsequent goals. You made a decision a couple years back to take on a sizable mortgage. Depending o...
by Nissanzx1
Thu Jan 17, 2019 3:31 am
Forum: Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 237
Views: 20801

Re: Why are you NOT buying rental properties?

I think the true answer is most people don't care to put in the work or take risks. I guess I can understand that. We have one rental and shopping for another now. You can mitigate some risks by saving and paying cash. We have had a good experience the last 2.5 years so far. We will buy more propert...
by Nissanzx1
Wed Jan 16, 2019 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Ever encountered a toxic advisor? How did you handle it?
Replies: 25
Views: 3173

Re: Ever encountered a toxic advisor? How did you handle it?

Met with two in my life. I won't do it again. They were both impressed with their certifications and accreditations. It had the opposite effect on me than what they intended.
by Nissanzx1
Tue Jan 15, 2019 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Change my mind - Lease > Buy New Car
Replies: 23
Views: 2054

Re: Change my mind - Lease > Buy New Car

I don’t like leases because I like eventually not having a car payment! Frees up cash for investing. +1. I never understood why otherwise smart people rationalize giving a (sometimes sizable) portion of their income (every month) to someone else for the purpose of getting themselves around town. It...
by Nissanzx1
Tue Jan 15, 2019 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6770

Re: A co-worker makes more than me

I wouldn't let this bother me. You like the job and are willing to do it for the money right? Concentrate on adding value and you will get your dues in the end. Besides if you make a big deal about it, it's going to get noticed and in the wrong way. Remember, there isn't anything more important than...
by Nissanzx1
Sun Jan 13, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 4104

Re: Brake fluid replacement?

I have a 2003 Honda with 277K. I service it myself and about every 2 years I use a turkey baster to suck out the old fluid from resoivoir and I replace it wil new clean fluid up to the Fill line. It's costs $2 and works great for me. Good Luck. When you change your oil (assuming 4 quarts), do you d...