Search found 1757 matches

by guitarguy
Tue Jun 12, 2012 7:46 am
Forum: Personal Consumer Issues
Topic: Anyone else value "things" over "experiences"?
Replies: 48
Views: 4346

Re: Anyone else value "things" over "experiences"?

We try to focus on buying things that we will really get good use out of rather than buying impractical items. And many of the things we buy lead to better experiences and for the bigger items especially, better quality of life!! For example, we're in the process of putting up a privacy fence and pu...
by guitarguy
Wed Jun 06, 2012 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Quickpay (or similar) for business use
Replies: 4
Views: 2006

Re: Chase Quickpay (or similar) for business use

I bank with Chase and have paid folks using Chase Online Bill Pay and Quickpay. You may encounter some pushback with Quickpay because the service requires that your payees also setup a Chase login to accept your payments. Some folks may not want to setup yet another login if they don't bank with Ch...
by guitarguy
Wed Jun 06, 2012 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Quickpay (or similar) for business use
Replies: 4
Views: 2006

Chase Quickpay (or similar) for business use

I'm considering a change to Chase Quickpay for paying my fellow musicians their cut for our shows. It would be way more convenient than writing and handing out checks all the time, both for me and for them. From what I gather, all of our account information will remain private too for both them and ...
by guitarguy
Wed Jun 06, 2012 1:43 pm
Forum: Personal Consumer Issues
Topic: MBA or MSE??
Replies: 21
Views: 3398

Re: MBA or MSE??

I have a BSME and after almost 5 years out of undergrad and in the working world, I'm headed back in the fall to get my MSME. I wanted to actually take the time to figure out which was best for me, and at this point I'm throwing my hat into the technical side of things (focusing in vibration and aco...
by guitarguy
Wed Jun 06, 2012 10:55 am
Forum: Investing - Help with Personal Investments
Topic: New here, introduction- Investing journey begins soon
Replies: 13
Views: 1167

Re: New here, introduction- Investing journey begins soon

He did address that, he said based on my risk tolerance he recommends 85% stocks and 15% bonds. He said the 85/15 mix is not practical until the investment amount is substantially larger than the current value . :confused 3. It is probably a mistake to open both an IRA and a taxable account at the ...
by guitarguy
Wed Jun 06, 2012 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Cash Rewards Card
Replies: 31
Views: 5051

Re: Penfed Cash Rewards Card

if you converted to the 5% gas/3% supermarket/1% everything else card, your cash back now comes in the form of gift cards (and you got $250 for spending $1k within the first 3 mos, which made the conversion a no-brainer for most people). Glad I didn't make that switch. $250 would be nice, but losin...
by guitarguy
Sun Jun 03, 2012 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Replacing an old car, financial considerations
Replies: 6
Views: 1082

Re: Replacing an old car, financial considerations

If you don't mind me asking, how did you find it? (Carsoup, Craigslist, parked in a neighborhood driveway, ect...) That's a pretty good deal (and would be exactly what my sister is in the market for) Sure. We actually found it on Craigslist. It was listed for a matter of hours before we closed the ...
by guitarguy
Sat Jun 02, 2012 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Replacing an old car, financial considerations
Replies: 6
Views: 1082

Re: Replacing an old car, financial considerations

If you paid less than your goal of $7k I'll be very impressed at your deal-making ability No, I went up to $8750, took a short-term (3-4 month) loan from our savings to pay cash for the car. It was blue booked at over $9800, so I guess my deal making ability is still pretty solid... I'm not totally...
by guitarguy
Fri Jun 01, 2012 3:13 pm
Forum: Personal Consumer Issues
Topic: Discovered Honda Civic Service Bulletin (sale pending!)
Replies: 6
Views: 1300

Re: Discovered Honda Civic Service Bulletin (sale pending!)

It seems that after some investigation, I'm not nor should I be concerned. I talked to a technician at my office and he said these techincal bulletins are mostly for dealership mechanics to diagnose problems, and that it doesn't mean that all cars it applies too will see problems. I also called a Ho...
by guitarguy
Fri Jun 01, 2012 2:30 pm
Forum: Personal Consumer Issues
Topic: Discovered Honda Civic Service Bulletin (sale pending!)
Replies: 6
Views: 1300

Discovered Honda Civic Service Bulletin (sale pending!)

Hey hey Civic people!!! We just decided to buy an 06 Civic yesterday. With the sale pending, I happened to come across a service bulletin from Honda that states the rear control arm geometry was a bad design and that it can cause rapid and uneven rear tire wear. Here's a link to the bulletin: http:/...
by guitarguy
Fri Jun 01, 2012 7:47 am
Forum: Personal Consumer Issues
Topic: Another car thread, need a new/used car and some advice!!!
Replies: 23
Views: 1922

Re: Another car thread, need a new/used car and some advice!

We found an EXTREMELY well taken care of 2006 Civic EX sedan with a little over 117k miles on it for $8750, well below blue book value. A 6yr old civic with nearly 120k miles for $8750 is a steal nowadays? Apples to oranges comparison, but for what it is worth in '04 I bought a '97 Nissan pickup XE...
by guitarguy
Fri Jun 01, 2012 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Replacing an old car, financial considerations
Replies: 6
Views: 1082

Re: Replacing an old car, financial considerations

Well, no need to agonize on this anymore. After only a couple days of looking we jumped on a 2006 Civic EX sedan, extremely well taken care of and in excellent shape with every maintenance record (all dealership) down to oil changes and tire rotations, a clean carfax report (no accidents), and all f...
by guitarguy
Fri Jun 01, 2012 6:40 am
Forum: Personal Consumer Issues
Topic: Another car thread, need a new/used car and some advice!!!
Replies: 23
Views: 1922

Re: Another car thread, need a new/used car and some advice!

Well...after only a couple days of searching we jumped on a deal :D We found an EXTREMELY well taken care of 2006 Civic EX sedan with a little over 117k miles on it for $8750, well below blue book value. All dealership maintenance records organized better than I've ever seen on any used car, all rec...
by guitarguy
Thu May 31, 2012 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Replacing an old car, financial considerations
Replies: 6
Views: 1082

Replacing an old car, financial considerations

Long story short, we need to replace my wife's Malibu which is on its last leg. Since I'm also driving an old car that will need to be replaced before long (graciously hoping for 3 more years out of it or so), I need some advice on our best course of action. Since we both currently work but we're wo...
by guitarguy
Thu May 31, 2012 8:43 am
Forum: Personal Consumer Issues
Topic: Another car thread, need a new/used car and some advice!!!
Replies: 23
Views: 1922

Re: Another car thread, need a new/used car and some advice!

Glad to hear a smaller car like a Civic or something should do OK in the snow. The Malibu is definitely a size up and would more compare to the Accord or Camry more than the Civic though, which was my reason for concern. I think I'm going to re-post the finance question in the Personal Finance Forum...
by guitarguy
Thu May 31, 2012 7:29 am
Forum: Personal Consumer Issues
Topic: Another car thread, need a new/used car and some advice!!!
Replies: 23
Views: 1922

Re: Another car thread, need a new/used car and some advice!

Thanks for all the advice guys!! OK, I think the best plan for us is to buy a small sedan for her to commute in now, then when my car eventually dies out we can replace it with another larger car. At that point, we can make the switch and I can drive the smaller commuter car and she can have the lar...
by guitarguy
Wed May 30, 2012 2:09 pm
Forum: Personal Consumer Issues
Topic: Another car thread, need a new/used car and some advice!!!
Replies: 23
Views: 1922

Another car thread, need a new/used car and some advice!!!

OK, wife's car is on its last leg (99 Malibu with 140k and a dash that's lit up like a Christmas tree. Still runs but has a slight oil leak and a bunch of other ticky tack problems). Time to go car shopping for her. I drive a Grand Prix with 160k. Has a couple of little things that need fixing but r...
by guitarguy
Wed May 16, 2012 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Considering grad school
Replies: 44
Views: 4960

Re: Considering grad school

That's exciting! Honestly, my advice would be to delay making a baby, put your nose to the grindstone and finish the program in two years. Having a young baby (or two!) while taking classes and attending grad school part time sounds like a difficult set-up for any partner. Just my two cents! My hus...
by guitarguy
Wed May 16, 2012 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Considering grad school
Replies: 44
Views: 4960

Re: Considering grad school

Just an update on this... I've decided to pull the trigger and start grad school in Sept. :beer I just sort of decided that having my employer cover nearly 100% of the costs is too big an opportunity to pass up, and I'm going to jump on it before too much more time goes by. ... Wish me luck!! :? He...
by guitarguy
Wed May 16, 2012 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Considering grad school
Replies: 44
Views: 4960

Re: Considering grad school

Just an update on this... I've decided to pull the trigger and start grad school in Sept. :beer I just sort of decided that having my employer cover nearly 100% of the costs is too big an opportunity to pass up, and I'm going to jump on it before too much more time goes by. I'm still a little nervou...
by guitarguy
Wed May 16, 2012 11:43 am
Forum: Personal Consumer Issues
Topic: Learn Guitar or Piano?
Replies: 119
Views: 13431

Re: Learn Guitar or Piano?

I also believe that the piano is a better tool than the guitar for learning music theory. You can certain learn on either, but a piano makes it visually easier to see whole/half notes and chord formations and such. I found it easier to learn modes with a guitar though. So as with pretty much everyt...
by guitarguy
Wed May 16, 2012 11:35 am
Forum: Personal Consumer Issues
Topic: Learn Guitar or Piano?
Replies: 119
Views: 13431

Re: Learn Guitar or Piano?

Playing guitar is fun, but it's not as special as playing the piano. Hey now...in your opinion! ;) It's true classical music and such on the piano maybe is more "special" than some hack job of Sweet Home Alabama, but for me, I can be a lot more powerful and expressive with a guitar than a piano. .....
by guitarguy
Wed May 16, 2012 8:04 am
Forum: Personal Consumer Issues
Topic: Learn Guitar or Piano?
Replies: 119
Views: 13431

Re: Learn Guitar or Piano?

Playing guitar is fun, but it's not as special as playing the piano. Hey now...in your opinion! ;) It's true classical music and such on the piano maybe is more "special" than some hack job of Sweet Home Alabama, but for me, I can be a lot more powerful and expressive with a guitar than a piano. To...
by guitarguy
Tue May 15, 2012 9:00 pm
Forum: Personal Consumer Issues
Topic: Learn Guitar or Piano?
Replies: 119
Views: 13431

Re: Learn Guitar or Piano?

One other thing, having actually done it, it's much easier to switch from a piano (weighted keys) to a keyboard or a synth, than to go the other way. Some keyboards claim to have a weighted key action. Are they good? Weighted actions are pretty much essential unless you want to use a keyboard just ...
by guitarguy
Tue May 15, 2012 9:33 am
Forum: Personal Consumer Issues
Topic: Learn Guitar or Piano?
Replies: 119
Views: 13431

Re: Learn Guitar or Piano?

Coming from a semi-professional musician who plays (guitar and keys) live enough to pay the mortgage most months...I'd vote both as well. But it depends on your goals. If you want to just strum some chords to oldies songs around the campfire...go with guitar. If you're more interested in theory, you...
by guitarguy
Thu May 10, 2012 9:28 am
Forum: Personal Consumer Issues
Topic: restaurants.com alternatives?
Replies: 2
Views: 446

restaurants.com alternatives?

Has anyone noticed that restaurant.com has been getting crappier by the day? I used to use this site pretty often and it was nice not only for getting discounts, but also for ideas for new restaurants to try out. Lately though, I've noticed increased "minimum spending" and what seems like a laundry ...
by guitarguy
Thu May 03, 2012 8:55 am
Forum: Personal Finance (Not Investing)
Topic: PennFedCredit Gas Purchase error
Replies: 7
Views: 849

Re: PennFedCredit Gas Purchase error

Just got this card myself and received my first statement with what looks to be a correct 5% back on my purchases (all gasoline). I only usually buy from the pump anyways, but good to know. Thanks for posting.
by guitarguy
Wed May 02, 2012 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Smart money behavior starts young
Replies: 20
Views: 2500

Re: Smart money behavior starts young

To the credit card advice, I would add the caveat of convenience: their main draw is to make it easier to buy, including to buy what's not needed, which too often leads to large balances the card-holder can't pay off each month. While I don't disagree when it comes to the general population...keep ...
by guitarguy
Wed May 02, 2012 11:53 am
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on groceries?
Replies: 134
Views: 15593

Re: How much do you spend on groceries?

Tom_T wrote:we shouldn't be eating 3000 calories to begin with
Keep in mind a statement like that is relative to ones BMR and activity level...but continue. :beer
by guitarguy
Wed May 02, 2012 11:44 am
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on groceries?
Replies: 134
Views: 15593

Re: How much do you spend on groceries?

Around $450 for 2. This includes everything one would buy at the grocery store (toiletries, etc) but doesn't include things we buy at Costco (pet food, some bulk groceries, etc) or eating out. This can vary $100 each way depending on how many weekends are in the month and whatever "random" expenses ...
by guitarguy
Wed May 02, 2012 8:47 am
Forum: Personal Consumer Issues
Topic: When do you allow yourself to buy a "Want"
Replies: 57
Views: 4460

Re: When do you allow yourself to buy a "Want"

Buying something you want, as long as your savings goals are met, shouldn't be something you agonize over. If you've already tucked away your savings for the month, take care of the bills and other necessities and spend the rest or save some extra. Don't agonize!! For larger purchases, save up slowl...
by guitarguy
Thu Apr 26, 2012 2:26 pm
Forum: Personal Consumer Issues
Topic: PenFed 1.5% Auto Loan Offer
Replies: 13
Views: 2044

Re: PenFed 1.5% Auto Loan Offer

The way I see it. Your wife wants a Cruze. You want something around $10k. You don't want to miss a 1.5% opportunity. You don't exactly need a car now. If you wait a little longer, used Cruzes will depreciate to your $10k number. The 1.5% might be gone but the 1.99% thats been around since forever ...
by guitarguy
Wed Apr 25, 2012 2:12 pm
Forum: Personal Consumer Issues
Topic: PenFed 1.5% Auto Loan Offer
Replies: 13
Views: 2044

Re: PenFed 1.5% Auto Loan Offer

Some dealers are offering 0% financing now, so check that too. In any case, I would find a car first, financing 2nd . -- Tet Yeah...that's a good point. At any rate, I don't know if we're planning on buying now anyways. We're saving up pretty strongly in hopes to pay cash for a car around $10k or s...
by guitarguy
Wed Apr 25, 2012 12:59 pm
Forum: Personal Consumer Issues
Topic: PenFed 1.5% Auto Loan Offer
Replies: 13
Views: 2044

PenFed 1.5% Auto Loan Offer

I got an email today from PenFed for an auto loan at 1.5%, online only and it looks like (I'm not sure though) you have to find the car and apply through their 'Car Finder' on the PenFed website. First of all, anyone else looking into this offer? I haven't done much research yet, but it looks like t...
by guitarguy
Tue Apr 24, 2012 11:40 am
Forum: Personal Consumer Issues
Topic: How is it possible to save and get out of debt?
Replies: 83
Views: 7051

Re: How is it possible to save and get out of debt?

You know it's funny, 2 years ago this thread applied to me almost 100%. We had so many things coming up, had just bought a house, a pile of student loans, old cars, etc. Now, coming up on our 2 year wedding anniversary we have accomplished so many goals and are continuing to work on others, all with...
by guitarguy
Thu Apr 12, 2012 6:37 am
Forum: Personal Consumer Issues
Topic: Reusuable Lint Trap
Replies: 6
Views: 802

Re: Reusuable Lint Trap

Do you use the aluminum ones? You could just let them dry out and burn the lint away. How often do you replace them? I buy 10 for $10 on Amazon and (without any pet hair) we go through one maybe every 4-6 months. I'd say we go through one every 2 months or so. Pet hair collects there quickly. Lucki...
by guitarguy
Wed Apr 11, 2012 11:18 am
Forum: Personal Consumer Issues
Topic: Reusuable Lint Trap
Replies: 6
Views: 802

Reusuable Lint Trap

Anyone use one of these? With 2 dogs, we get lots of hair and the mesh ones that we buy from the grocery store have to get replaced quite often. Although they work well, something reusable would be great and cheaper for sure. A quick search yielded some options and most if not all had mixed reviews ...
by guitarguy
Tue Mar 20, 2012 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Car Purchase: Loan versus Cash
Replies: 26
Views: 2578

Re: Car Purchase: Loan versus Cash

The dealer told me on my way out the door, "Congratulations, you just paid cash for a depreciating asset." If full payment (any form) for a depreciating asset is bad, then it's worse to pay additional interest charges for the same asset. Dealer's "sour grapes" is your proof that you won... by keepi...
by guitarguy
Tue Mar 20, 2012 7:09 am
Forum: Personal Consumer Issues
Topic: Car Safety and Crash Test ratings
Replies: 12
Views: 1096

Re: Car Safety and Crash Test ratings

This is what IIHS says That's enough for me. It's such a pet peeve of mine how these car companies use IIHS ratings in their commercials to try to sell vehicles as top safety picks, and most people don't know that IIHS ratings are scored on how the structure of the vehicle performs and other factor...
by guitarguy
Fri Mar 16, 2012 3:09 pm
Forum: Personal Consumer Issues
Topic: Any downside whatsoever to PenFed VISA??
Replies: 8
Views: 1336

Re: Any downside whatsoever to PenFed VISA??

I just got one of those PenFed Platinum Rewards cards a couple weeks ago and on my Wife's first use online she got slapped with a "Verified by Visa" prompt asking for her SSN, address, driver's license, etc. PenFed claims that they aren't enrolling people automatically but they are and it's annoyin...
by guitarguy
Fri Mar 16, 2012 11:33 am
Forum: Personal Consumer Issues
Topic: Any downside whatsoever to PenFed VISA??
Replies: 8
Views: 1336

Re: Any downside whatsoever to PenFed VISA??

pochax wrote:the major downside for me is the 0.25% all other purchase cash back. it is too low and when compared to AMEX Blue Cash, for relatively high spenders, total cash rewards lag behind other rewards cards.
I agree here. I'd get this card and use it basically for gas and that's it.
by guitarguy
Fri Mar 16, 2012 7:09 am
Forum: Personal Consumer Issues
Topic: Any downside whatsoever to PenFed VISA??
Replies: 8
Views: 1336

Any downside whatsoever to PenFed VISA??

5% back on gas and no annual fee...is there any reason whatsoever not to use this card? On many of the "credit card threads" here, I've not seen this one mentioned as much as the Blue Cash one (for example). I'm wondering why every one of us doesn't have this one. The 5% on gas alone with no annual ...
by guitarguy
Tue Mar 13, 2012 3:16 pm
Forum: Personal Consumer Issues
Topic: Want a privacy fence, how to approach neighbor
Replies: 32
Views: 9821

Re: Want a privacy fence, how to approach neighbor

I'd be more concerned with zoning codes than your neighbor. Make sure you obey the set back, height limits, and material requirements. I'll have to check with the city to confirm, but talking with other neighbors who have similar fences on my block, I don't see an issue there. "not an issue" and le...
by guitarguy
Tue Mar 13, 2012 3:14 pm
Forum: Personal Consumer Issues
Topic: Want a privacy fence, how to approach neighbor
Replies: 32
Views: 9821

Re: Want a privacy fence, how to approach neighbor

You'll be paying for the whole thing. No permission needed. You need to determine the property line. Your fence should be on YOUR side of the line but coming right up to it... To me that's a last resort approach, to build in my yard and leave the crappy old chain link up behind the new fence. If it...
by guitarguy
Tue Mar 13, 2012 3:10 pm
Forum: Personal Consumer Issues
Topic: Want a privacy fence, how to approach neighbor
Replies: 32
Views: 9821

Re: Want a privacy fence, how to approach neighbor

bungalow10 wrote:I'd be more concerned with zoning codes than your neighbor. Make sure you obey the set back, height limits, and material requirements.
I'll have to check with the city to confirm, but talking with other neighbors who have similar fences on my block, I don't see an issue there.
by guitarguy
Tue Mar 13, 2012 3:09 pm
Forum: Personal Consumer Issues
Topic: Want a privacy fence, how to approach neighbor
Replies: 32
Views: 9821

Re: Want a privacy fence, how to approach neighbor

Alex Frakt wrote:A lot depends on the current fence. Is the current fence clearly in one yard or does it run right down the property line?
It runs down the property line.
by guitarguy
Tue Mar 13, 2012 2:49 pm
Forum: Personal Consumer Issues
Topic: Want a privacy fence, how to approach neighbor
Replies: 32
Views: 9821

Want a privacy fence, how to approach neighbor

I have a neighbor on one side that I don't really see much or talk to much. She's an older lady that isn't outside much so we don't have much to talk about other than cordial "hellos" when we do cross paths, which isn't often. We certainly have no dislike for each other or anything like that (as far...
by guitarguy
Fri Mar 09, 2012 12:02 pm
Forum: Personal Consumer Issues
Topic: Return on Investment for Home Improvements
Replies: 11
Views: 1686

Re: Return on Investment for Home Improvements

We've lived in our house since April '08. One of the biggest selling points for us was new furnace, new roof, all copper plumbing, all new electric and breakers. I put in a new hot water heater last year, so our house is relatively up-to-date with this sort of stuff. We spent $10k and got an AMAZING...
by guitarguy
Fri Mar 09, 2012 11:32 am
Forum: Personal Consumer Issues
Topic: Saving On Gas Purchases
Replies: 6
Views: 1482

Re: Saving On Gas Purchases

Lon wrote:paid for the gas with Freedom Visa Credit Card which is giving a 5 % cash back on gasoline purchases through the balance of March. Takes away a bit of the sting .
Anyone planning on what to do during 2nd quarter when the 5% isn't there?

Luckily gas shows up again during 3rd quarter...
by guitarguy
Tue Mar 06, 2012 12:19 pm
Forum: Personal Consumer Issues
Topic: Caremark & CVS - poor service
Replies: 45
Views: 4259

Re: Caremark & CVS - poor service

We have CVS and Caremark and don't really have any issues here.

As far as I know you can use that insurance plan at Walgreens or Rite Aid or basically any other pharmacy too. Go somewhere else besides the local CVS that you don't like.