Search found 1050 matches

by ClevrChico
Fri Aug 11, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Home Ownership / Investing
Replies: 18
Views: 1137

Re: Home Ownership / Investing

I own a modest, paid for house. It's the exact opposite of what I consider an investment, it's an expense. :-) I do see young people buying huge houses with more bathrooms than occupants, thinking it's an investment, and I shake my head.
by ClevrChico
Fri Aug 11, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a student
Replies: 27
Views: 1574

Re: Buying a house as a student

Most of the landlords I've dealt with could be described as "frazzled". I can't imagine doing this and being a student.
by ClevrChico
Sun Aug 06, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Losing confidence in Ally Bank - what would you do
Replies: 58
Views: 7573

Re: Losing confidence in Ally Bank - what would you do

Something similar happened to me a few years ago with Ally. It corrected itself by the next day, and it's been problem free since. (Customer service wasn't helpful, but it was some software problem they had no visibility into, so not surprising.) I love Ally's ATM reimbursement and they keep their s...
by ClevrChico
Sun Aug 06, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Trip to Maine
Replies: 30
Views: 2348

Re: Trip to Maine

We went to Bar Harbor in mid to late September one year, which is apparently the end the tourist season. That was really great for us, since we don't mind the cool weather. We enjoyed Trenton Bridge Lobster Pound. Great seafood and not fancy. I remember eating outside on picnic tables. The vacation ...
by ClevrChico
Thu Aug 03, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Mr handyman?
Replies: 14
Views: 2213

Re: Mr handyman?

I try to get three quotes for every project. The highest I pay is $55/hour which is for a very reliable, master carpenter. I do see these $100/hour rates and think they're ridiculous. :-) Anything with a "trip charge" is a red flag to me. I don't charge my boss a trip charge for going to work.
by ClevrChico
Wed Aug 02, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 10572

Re: Burned out at 28. Do I have enough?

Is it your specific employer or your profession that is such a grind? If it's your employer, find something better! I was at the point where you were, switched employers, and received much better hours plus higher pay. I would do everything I can not to take a paycut. I thought early retirement was ...
by ClevrChico
Sat Jul 29, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 19150

Re: Tesla - next big lottery ticket ?

I feel the same way, but GM has beat them to market with the Bolt. The Volt is a pretty good car. Other automakers have self driving cars in their pipeline. This could get very competitive.
by ClevrChico
Sat Jul 29, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"
Replies: 37
Views: 4995

Re: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"

At what point does it make sense to buy the Target fund components in their individual admiral form? It looks like doing that for a couple of my IRA's would save a few hundred dollars in expenses annually.
by ClevrChico
Sat Jul 29, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Any pilots here? [as a career]
Replies: 38
Views: 4790

Re: Any pilots here? [as a career]

I have a friend that made a career change and started training around 30. They are very sharp and seem to love their pilot job.
by ClevrChico
Thu Jul 27, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 9882

Re: Should I Quit my 6-figure job?

"no overtime, no weekends, no taking work home, 40 hours per week"

I definitely would not quit that. As others mentioned, consider a side gig if you need a challenge.
by ClevrChico
Sun Jul 23, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in an AirBNB unit? ROI?
Replies: 32
Views: 3556

Re: Investing in an AirBNB unit? ROI?

I'd rather stick with with index funds properly allocated. Likely more return, no work, and more tax efficient.
by ClevrChico
Fri Jul 21, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 50
Views: 5096

Re: Cryptocurrencies

The exchanges have high fees and the currency has volatile prices. Those are two big things I avoid when investing. When I invest in bonds, I know I'm essentially loaning money. When I invest in public companies, I'm a small owner. With crypto, I'm speculating that someone else will pay more. Are yo...
by ClevrChico
Thu Jul 20, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: car lease buyout at term end - how negotiable?
Replies: 25
Views: 2763

Re: car lease buyout at term end - how negotiable?

Your state laws may have something to do with it too. In our state the leasing company cannot provide any information on the buyout, except instructing us to go to a dealer. I'm 'guessing this is due to franchise laws. The buyout price was already stated in the lease and every dealer said it was non...
by ClevrChico
Thu Jul 20, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 3596

Re: Indoor activities for a 3-year-old

Go for a car ride and have them give you directions on where to go. See where you end up. :-)
by ClevrChico
Thu Jul 20, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 2205

Re: Office 2007 end of life

Depending upon the complexity of your documents you might try https://office.live.com/start/Excel.aspx# It's free but lacks some of the bells and whistles of a paid version. It's all in the cloud. You can upload existing Office documents or create new ones that then are edited online. It's a small ...
by ClevrChico
Wed Jul 19, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 8163

Re: Would you let your teenager spend all his savings on a gaming computer?

I think it's a great idea. It's a good learning experience: 1) The project itself. 2) The lesson of blowing all your money.

Some of my best memories are from things I got to do with my part time job money when in school.
by ClevrChico
Wed Jul 19, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 44
Views: 14879

Re: My Costco/TrueCar auto shopping experience

It's been a few yeas, but TrueCar was not a great deal. It also resulted in many high pressure phone calls from a participating dealer.

My best deal was found simply emailing dealers. It took a few hours of time, but it was worth it.
by ClevrChico
Mon Jul 17, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do you guys accept first Job offer or negotiate?
Replies: 26
Views: 2212

Re: Do you guys accept first Job offer or negotiate?

A little negotiation is usually ok. (5% over offer) A large ask over their offer won't go over well. (15% over offer) Asking for a ridiculous amount might make you the water cooler joke of upper management for a couple weeks. (2x offer) There are lots of variables. That is just my experience from hi...
by ClevrChico
Sun Jul 16, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement 2065
Replies: 22
Views: 2263

Re: Vanguard Target Retirement 2065

This makes me feel old!
by ClevrChico
Sat Jul 15, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 12311

Re: Do you count vehicle equity in net worth?

I just kbb'd our cars. My daily driver is worth $6k. :shock: DS's daily driver is worth $3k :shock:

Depreciation, ouch! Do not include.
by ClevrChico
Sat Jul 15, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 2412

Re: Time to dump State Farm agent?

I'd much rather go direct, and I like Amica. I've found that an agent drives to sell a generic package that fits the typical consumer that doesn't care to know much about insurance. Low deductibles, identity theft insurance, etc. It's almost an expensive maintenance plan for the house. With Amica, I...
by ClevrChico
Sun Jul 09, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: What insurance company has the best coverage for auto, renters, and umbrella?
Replies: 35
Views: 3717

Re: What insurance company has the best coverage for auto, renters, and umbrella?

I'm a new Amica customer. As others have said, they are highly rated on JD Power. Good website, great customer service, nice autopay setup. Plus, they are a mutual, so they are owned by the policy holders. This is as close as I could get to a Vanguard-like insurance company.
by ClevrChico
Sun Jul 09, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy
Replies: 13
Views: 1899

Re: Umbrella Policy

Michael & Gill Thanks for your responses. I will keep it. Great idea! If you're concerned about cost, UI/UM is really cheap. I also increased my house deductible to $25k, and the savings pays for the umbrella. I can handle something moderately bad happening to the house. But, the risk of a large li...
by ClevrChico
Sat Jul 08, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 8172

Re: Shopping for first bike since I was a kid

I love my Electra, which is owned by Trek. http://www.electrabike.com/ They offer cruiser type bikes with crank forward design, which is nicely ergonomic. It's so comfortable that I ride a lot more than I would otherwise. I don't believe they would do well for any challenging terrain, as they are mo...
by ClevrChico
Tue Jul 04, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 18139

Re: Are you finding any good values at Amazon anymore?

My last order was three months ago for electronics. It was a good deal.

I used to order MUCH more for Amazon, but now use Wal-Mart online and Boxed for everyday household items.
by ClevrChico
Sun Jul 02, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need help progressing in life after a massive setback
Replies: 35
Views: 6908

Re: Need help progressing in life after a massive setback

Time is on your side, so don't beat yourself up about having a setback. We all go through setbacks to a lesser or greater degree in our 20's, so you're not alone. Did you like your prior position? Have you considered working back towards that occupation? I remember in 2001 after the tech crash I was...
by ClevrChico
Sat Jul 01, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 16006

Re: Bogleheads: you should be buying 10-year old cars

runner3081 wrote:
ClevrChico wrote:It's potentially all moot if autonomous cars and ride sharing takes off in the next few years.
No way it happens in a few years (at least large scale). We are at least a decade away.
Ten years doesn't seem far away to me. :-)
by ClevrChico
Sat Jul 01, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 16006

Re: Bogleheads: you should be buying 10-year old cars

It's potentially all moot if autonomous cars and ride sharing takes off in the next few years.
by ClevrChico
Mon Jun 26, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4636

Re: Things to do in Iowa/Nebraska

If you travel on Highway 34 between Burlington and Des Moines, you'll pass Fairfield, Iowa. It's a new age town, somewhat like a micro San Francisco. They have a small, but great Farmer's Market on Saturday mornings. (Live music, interesting foods, etc.) They have a Friday art walk the evening of 7/...
by ClevrChico
Sat Jun 24, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 2717

Re: Cars my only weakness, make me feel bad!!

It may not matter much, as ride sharing/automation could take over in a few years. :-)
by ClevrChico
Thu Jun 22, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Any BH use Coinbase?
Replies: 24
Views: 2797

Re: Any BH use Coinbase?

Yes, I used it with Purse.io. I had around $9 in bitcoins left over, which I sold this week for USD. I paid a 99/cent fee to Coinbase for a $9 sale! Over 10%, which is likely the minimum charge due to the small transaction, but that is a high fee. I find it ironic, since bitcoin is designed to free ...
by ClevrChico
Sun Jun 18, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 1791

Re: Which motorcyle?

Motorcycles are fun! 5 kids though? I would not recommend. Too many distracted drivers on the road. Get a sports car if you need to get away from the minivan occasionally, much safer. I hate to be a fun hater, but I agree. I love motorcycles, but every rider I know has had a life changing accident ...
by ClevrChico
Sat Jun 17, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Home siding thoughts
Replies: 32
Views: 3649

Re: Home siding thoughts

I have a 1950's ranch. You could probably hire someone to paint the existing siding reasonably. Being one level, it should be a piece of cake. Quality paint will last quite a while.
by ClevrChico
Sat Jun 17, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 5226

Re: Turbochargers

Pro: Spooling up the turbo in a tunnel or on a bridge and listening to the sweet sound.
by ClevrChico
Fri Jun 16, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance options
Replies: 33
Views: 4106

Re: Umbrella Insurance options

I go through an agent/broker who is far cheaper than the online/direct insurance companies. Every few years the broker switches companies. I've tried to beat the prices, but I can't.

I would have thought online/direct would be cheaper, but no.
by ClevrChico
Sat Jun 10, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: To re-paint car bumper, or wait
Replies: 12
Views: 1184

Re: To re-paint car bumper, or wait

Rubbing alcohol would likely remove the scuff marks in picture 2. Then rewax area, almost as good as new.
by ClevrChico
Fri Jun 09, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 5966

Re: (Very) Early Retirement vs Parenthood

In my experience, parenting is one of the best things to happen to me. And I was pretty content to be a dog owner and gearhead before. My hardest job was 100X harder than being a dad. It's not that bad. I do encounter childless career people, and while very driven, they don't seem happy. I understan...
by ClevrChico
Wed May 31, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 5047

Re: Job offer without an in person interview

I had two phone interviews with a Fortune 50 and was offered a job. They were not in a position to negotiate, and I declined. I'm pretty sure they are setup to churn through people.
by ClevrChico
Sat May 27, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 3538

Re: New car doc fees

I negotiated a price with the dealer online. Come paperwork time, the doc fee was added to the agreed price. I refused to pay, they simply reduced the price of the car, but kept the doc fee. (Apparently they can get into trouble if the doc fee is not consistent.)
by ClevrChico
Sat May 20, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 4125

Re: Bad experience with 'rescuing' a lost dog

I've found strays several times and have always contacted animal control. They do a great job, and the owner has to pay a fee, which is a nice reminder that they can't let their dogs run at large.

I've posted non-animals on Craigslist in lost and found, and it's full of scammers, so beware!
by ClevrChico
Sun May 14, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 11089

Re: Was there a $$$ number after which things got easier?

For me, recovery from the global financial crisis, not really a number. Looking at net worth,

7/2009 - 7/2010 - Only increased $8k for the year!
7/2010 - 7/2011 - Increase of $70k!

It's been snowballing since 2011 with gains.
by ClevrChico
Sat May 06, 2017 11:18 pm
Forum: Investing - Theory, News & General
Topic: Buffett/IBM
Replies: 73
Views: 7109

Re: Buffett/IBM

I've been a long-time customer of IBM. I was shocked when Buffett purchased IBM. The only thing I see that IBM has is customer lock-in which will decline and Watson. Neither seem great long term. IBM used to host free local training and seminars. I don't even know the first name of my IBM rep now.
by ClevrChico
Sat May 06, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3982

Re: Swing Set 2700.00??

Insane, right?

We bike to the local school's playground or neighborhood park. If we want to change it up, we hop in the car and go to a different park. All free.
by ClevrChico
Fri May 05, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Curb Impact Car Doesn't Go
Replies: 13
Views: 1582

Re: Curb Impact Car Doesn't Go

I suggest putting the car on a lift to inspect everything. This kind of accident can cause an incredible amount of damage with the undercarriage.

I lost one car this way. The body looked great, but frame was turned into a trapazoid. Along with a torn control arm and lots of other bits.
by ClevrChico
Mon May 01, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 6606

Re: Buying first home with old hvac

If you need to replace it, utility rebates and cheaper running costs will pay for it quickly.

My a/c and water heater are both at least 30 years old, still running.
by ClevrChico
Thu Apr 27, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Hourly rate for carpenter?
Replies: 15
Views: 2084

Re: Hourly rate for carpenter?

I pay $55/hour for a very skilled carpenter. He's booked months, so you have to get on a waiting list. He's absolutely meticulous, no travel time charges, and provides material at cost.

If you go cheap here, you won't find anyone that actually shows up.
by ClevrChico
Wed Apr 26, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 162
Views: 45999

Re: Time to reach 1M and 2M milestones

0 - $1M - Twenty years that includes paying my way through college, insane hours, long drives, evil bosses, evil clients, and too little vacation. (Some good times too. :-) ) $1M - $2M - Five years (estimated) of enjoying my awesome job and making regular contributions to Vanguard. If I work another...
by ClevrChico
Wed Apr 26, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 4897

Re: co-worker had a baby chipping in on gift- how much?

I'm as frugal as the rest of you, but I see this as a good opportunity for not much money. You'll look good to your colleagues and you'll make someone's day. My small department gifted me several hundred dollars in gift cards for my first born. It was so generous and it was another reason to go the ...
by ClevrChico
Tue Apr 25, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 15515

Re: Will cars be autonomous in three years?

F-150 vs.Tesla is interesting cross-shopping! :-) Here's Bosch's 10 year plan (2015 - 2025) which seems reasonable: http://www.autonews.com/article/20150114/OEM09/150119807/bosch-outlines-10-year-path-to-door-to-door-driverless-car They seem slightly ahead of schedule. I believe a lot of autonomous ...
by ClevrChico
Sat Apr 22, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should some professions tell people how much they make?
Replies: 39
Views: 5892

Re: Should some professions tell people how much they make?

I can relate to your situation. Facial hair and even some gray highlights in your hair will make you look older. I would not tell people how much you make. Given your hourly rate, it's pretty simple to multiply it by 2080. :) As a parent, we're always testing what works best with our kids, and what ...