Search found 359 matches

by SmallCityDave
Sat Mar 27, 2021 10:25 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1212
Views: 207000

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

I have a 2018 CRV and believe my car suffers from this because I smell gas in the cabin when the a/c is pulling in air from outside. As a result of this, i always use recirculate, which works well. Check engine light (and all the others) came on just past 40,000 miles. Took it in to the dealer and ...
by SmallCityDave
Fri Mar 26, 2021 1:17 pm
Forum: Personal Consumer Issues
Topic: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?
Replies: 34
Views: 3013

Re: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?

None. Car manufacturers want you to buy a new car as frequently as possible. Any manufacturer that promises future upgrades is going to figure out how to monetize it. Ie: you pay for it in some way - extended warranty ..etc Tesla is turning off features the first buyer paid for when they sell their...
by SmallCityDave
Mon Mar 22, 2021 9:45 am
Forum: Personal Consumer Issues
Topic: Dealing with an extremely weird seller
Replies: 34
Views: 3864

Re: Dealing with an extremely weird seller

Why not put an expiration date on the offer? "I'd like to buy this book and I'm willing to pay up to XXX as long as I can get the book by the end of the week." If he accepts or counters right away great but if he comes back to you after that date offer him a lower price (he's likely aliena...
by SmallCityDave
Tue Mar 09, 2021 9:51 am
Forum: Personal Consumer Issues
Topic: Buying new car, need some advice
Replies: 38
Views: 3220

Re: Buying new car, need some advice

First and foremost Chrysler Pacifica..... secondly who cares what they pay and their holdbacks people that worry about that type of stuff just drive me crazy. If they paid $45k and you get it for 44 will that make you feel better than them paying 40 and you paying 43? Worry about you and finding a r...
by SmallCityDave
Fri Mar 05, 2021 1:25 pm
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 7605

Re: Help! Dealer may have sold the car we are buying

SmallCityDave, I apologize for vagueness; I was in panic mode when I wrote the initial post; you all have helped me gain perspective. The manager asked for our side of the story so we provided email correspondence and the documents to her. She was on the fence regarding the appropriateness of the s...
by SmallCityDave
Fri Mar 05, 2021 11:50 am
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 7605

Re: Help! Dealer may have sold the car we are buying

Update from OP: Thanks to all who have provided feedback. Differing perspectives really are helpful. This is a mega/multi-dealership organization. The manager in charge of all of the sales managers contacted us to discuss our concerns. We want nothing more to do with the dealership and are explorin...
by SmallCityDave
Fri Mar 05, 2021 9:17 am
Forum: Personal Consumer Issues
Topic: You get what you pay for!
Replies: 48
Views: 4339

Re: You get what you pay for!

OP could have gotten a cubic zirconium and it would have made no difference. In reality diamonds have very little value beyond what anyone gives them. They do not even have a value in practical terms. Unless you are cutting glass with them. Diamonds have been proffered to us in society by a clever ...
by SmallCityDave
Fri Mar 05, 2021 9:15 am
Forum: Personal Consumer Issues
Topic: You get what you pay for!
Replies: 48
Views: 4339

Re: You get what you pay for!

A diamond is a bad example of how to shop, because it has little intrinsic value relative to what it costs. I say that because it can never be sold for close to its purchase price. It is a symbol that the purchaser has enough money to fork over to the seller. Since it's just a symbol, the idea is t...
by SmallCityDave
Wed Mar 03, 2021 11:34 am
Forum: Personal Consumer Issues
Topic: 1987 Carrier HVAC. Replace or fix?
Replies: 57
Views: 3445

Re: 1987 Carrier HVAC. Replace or fix?

Thanks for the responses! >> I'm not understanding that the 80% will pay for itself. 80% is not a high efficiency system. 80% system apparently is the baseline system. I was told that my system is a 60% efficiency system (true or false, I dont know). but in comparison to my system, the tech said th...
by SmallCityDave
Wed Mar 03, 2021 10:21 am
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 7605

Re: Help! Dealer may have sold the car we are buying

Thank you for the Carvana suggestion. Everyone's feedback helps me learn how this game is played. I'm uncertain if our declaration that we would pay cash was actually a hindrance? It was sold to a buyer who was filling out a finance application several hours after we were supposed to take possessio...
by SmallCityDave
Wed Mar 03, 2021 8:54 am
Forum: Personal Consumer Issues
Topic: You get what you pay for!
Replies: 48
Views: 4339

You get what you pay for!

A while back my wife lost the diamond from her engagement ring and neither one of us thought too much about it until recently she mentioned that she'd like to get it replaced. My wife is not a ring or diamond snob I doubt she would know if it was real or fake so I set out on a mission to get it repl...
by SmallCityDave
Wed Mar 03, 2021 8:11 am
Forum: Personal Consumer Issues
Topic: Ebay - items you've sold
Replies: 42
Views: 2773

Re: Ebay - items you've sold

I've been selling my own personal items on Ebay for about 7 years. I had a lot of things that I knew had some value and that opened up a nice market for me like an online garage sale. It's not as great anymore as it once was. Anyhow, the weirdest thing I have ever sold on Ebay happened last year. M...
by SmallCityDave
Wed Mar 03, 2021 8:10 am
Forum: Personal Consumer Issues
Topic: Ebay - items you've sold
Replies: 42
Views: 2773

Re: Ebay - items you've sold

When my kids first started getting into Legos I became aware of the massive market for these toys amongst adults. So, in order to pay for my kid's Lego habit, I started flipping sets on eBay. Been doing that for several years now and make a couple thousand in profit on top of what we buy for the ki...
by SmallCityDave
Sun Feb 28, 2021 9:25 am
Forum: Personal Consumer Issues
Topic: Ebay - items you've sold
Replies: 42
Views: 2773

Ebay - items you've sold

I rarely sell anything on ebay (it's been years) but I've done it from time to time, what's the last item that you sold on ebay that you made money on? A number or years back I was at Sears they had camcorders on clearance something like $50 I bought all they had and sold them on ebay for over $200 ...
by SmallCityDave
Sat Feb 27, 2021 8:47 am
Forum: Personal Consumer Issues
Topic: Which car to sell?
Replies: 16
Views: 1272

Re: Which car to sell?

How many miles per year do you plan to put on the crossover? I would say a high estimate would be 15k miles/year It doesn't sound like either of these vehicles is ideal and you won't be keeping them for more than a few years, if it was me I'd keep the Murano because I'd rather have $10k (more) to p...
by SmallCityDave
Sat Feb 27, 2021 8:30 am
Forum: Personal Consumer Issues
Topic: Accepting payment on used car sale during covid
Replies: 55
Views: 4253

Re: Accepting payment on used car sale during covid

The bank that issued the auto loan said they can't deposit the check to their own checking account without collateral (i.e. title) Yet he can give you the check without collateral, that's crazy.... I bought a motorcycle like that a few years ago, I had the cash but there was a lien I called WF to s...
by SmallCityDave
Sat Feb 27, 2021 8:17 am
Forum: Personal Consumer Issues
Topic: Which car to sell?
Replies: 16
Views: 1272

Re: Which car to sell?

How many miles per year do you plan to put on the crossover?
by SmallCityDave
Sun Feb 21, 2021 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord Question??
Replies: 25
Views: 1977

Re: Landlord Question??

We have a long term tenant who rents 2nd story of two family house. We've been giving him a break in rent ($900 mo) because he's battling illness and money is tight (rent could be $1100). Tenant recently suffered car accident and broke pelvis, ribs. In rehab now. Not sure what his future mobility w...
by SmallCityDave
Sun Feb 21, 2021 10:21 am
Forum: Personal Finance (Not Investing)
Topic: House buying negotiations
Replies: 122
Views: 9745

Re: House buying negotiations

Your numbers are all over the map $1.3, 1.25, 1.23, 1.15... First thing is you offered $135k under asking price because of a roof, windows, appliances and a garage door that sounds more like $20k than $135k, did you bring estimates or did you pull that number out of the air? Obviously I have no idea...
by SmallCityDave
Sun Feb 21, 2021 9:37 am
Forum: Personal Finance (Not Investing)
Topic: New teen driver.
Replies: 20
Views: 1383

Re: New teen driver.

The question is when he turns 18 we will put the car in his name and have him get his own policy will our current policy holder require us to have him on our policy if he's still living at home? No, in general. Your insurance covers all licensed drivers that reside at your home, and your insurance ...
by SmallCityDave
Sun Feb 21, 2021 9:33 am
Forum: Personal Finance (Not Investing)
Topic: New teen driver.
Replies: 20
Views: 1383

Re: New teen driver.

You might want to look into new driver programs -- we got discounts on insurance with our kids when they took an additional teen-driver class. We gave them choice of taking the class (boring), paying for their own insurance, or not getting licensed -- boring won. Great idea, how much was the discou...
by SmallCityDave
Sat Feb 20, 2021 11:48 am
Forum: Personal Finance (Not Investing)
Topic: New teen driver.
Replies: 20
Views: 1383

Re: New teen driver.

If you only had one car to start with, then adding a 2nd car & driver would probably double your premium no matter who that driver was. :) My experience is that our kids didn't do much to our auto policies. Foremost was that while they drove with learners permits for about 18 months, there was ...
by SmallCityDave
Sat Feb 20, 2021 11:37 am
Forum: Personal Finance (Not Investing)
Topic: New teen driver.
Replies: 20
Views: 1383

New teen driver.

Our auto policy almost double and more than doubled after adding his car... I knew it would be expensive but this caught me off guard. The question is when he turns 18 we will put the car in his name and have him get his own policy will our current policy holder require us to have him on our policy ...
by SmallCityDave
Thu Feb 18, 2021 2:03 pm
Forum: Personal Consumer Issues
Topic: [Generators]/ supplemental power generation
Replies: 162
Views: 8711

Re: [Generators]/ supplemental power generation

There are plenty of options, perhaps too many. Do you want to live like nothing ever happened or do you want to get by for a few days? We have never had the need for backup power but I wanted to be prepared. We have a small Champion inverter generator that lasts 8-10 hours on a gallon of gas and pro...
by SmallCityDave
Wed Feb 17, 2021 9:59 pm
Forum: Personal Consumer Issues
Topic: Rooftop Solar Plan and Pricing - Feedback?
Replies: 39
Views: 3265

Re: Rooftop Solar Plan and Pricing - Feedback?

It will offset power that you're currently paying upwards of $0.40/kWh from PG&E. Wo. $.40/kWh. Just incredible. You could justify driving across state lines just to charge a phone. Pretty sure it would payback to just install a generator and run it 24/7. I didn't catch that the 1st time our ra...
by SmallCityDave
Wed Feb 17, 2021 5:18 pm
Forum: Personal Consumer Issues
Topic: Rooftop Solar Plan and Pricing - Feedback?
Replies: 39
Views: 3265

Re: Rooftop Solar Plan and Pricing - Feedback?

Price doesn't look bad considering covid... In 2019 we had a 7.2kW system installed for $15,800 (right at $10k after tax credits) they also integrated a small .8kW system we had. SolarEdge inverter with a 25 yr warranty and Hyundai panels with a 12 year warranty so far so good for us, we have an all...
by SmallCityDave
Sun Feb 14, 2021 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Preparing mentally for retirement
Replies: 46
Views: 3822

Re: Preparing mentally for retirement

Most important thing that hasn't been mentioned till now by Joe is what does your wife(?) think, will she keep working does she work? If you retire and she doesn't that may put a strain on your relationship. What will you do with your time? It's easy now now you have a limited amount of time what ha...
by SmallCityDave
Sat Feb 13, 2021 7:49 am
Forum: Personal Finance (Not Investing)
Topic: What's your highest limit credit card?
Replies: 98
Views: 6085

Re: What's your highest limit credit card?

Thank you for posting this. Made me look at my limits. I have only had a reason to be concerned about it once in my life. Credit score in the 800's, pay each card off in total every month for over 30 years. - The card I use most often - about $1k/m - has a limit of just over $18k - Most of the othe...
by SmallCityDave
Sun Feb 07, 2021 9:28 am
Forum: Personal Finance (Not Investing)
Topic: What's your highest limit credit card?
Replies: 98
Views: 6085

Re: What's your highest limit credit card?

I recently called to get the credit card limit increased, I was a little disappointed because they "only" increased it by a $1000 from $15 to $16k. Obviously that's a fair amount of money but we make 6 figures, have no debt, we have a fair amount of homes and our credit score(s) were in t...
by SmallCityDave
Sun Feb 07, 2021 9:03 am
Forum: Personal Finance (Not Investing)
Topic: What's your highest limit credit card?
Replies: 98
Views: 6085

Re: What's your highest limit credit card?

runner3081 wrote: Sun Feb 07, 2021 8:48 am $25K. Scores in the 800's.

Have never had more than 2.5K on it, so I really don't care about the limit.

On other cards, limits are closer to 10-15K.
Which card gave you the $25k limit?
by SmallCityDave
Sun Feb 07, 2021 9:02 am
Forum: Personal Finance (Not Investing)
Topic: What's your highest limit credit card?
Replies: 98
Views: 6085

Re: What's your highest limit credit card?

Do you have any history of utilizing credit anywhere near half the available limit on the card? If not, bank may be more reluctant to extend credit you probably won't use, and don't have a history of showing you can manage. Its seemed to me the card companies have tended to anchor around what other...
by SmallCityDave
Sun Feb 07, 2021 8:58 am
Forum: Personal Finance (Not Investing)
Topic: What's your highest limit credit card?
Replies: 98
Views: 6085

Re: What's your highest limit credit card?

I recently called to get the credit card limit increased, I was a little disappointed because they "only" increased it by a $1000 from $15 to $16k. Obviously that's a fair amount of money but we make 6 figures, have no debt, we have a fair amount of homes and our credit score(s) were in t...
by SmallCityDave
Sun Feb 07, 2021 8:30 am
Forum: Personal Finance (Not Investing)
Topic: What's your highest limit credit card?
Replies: 98
Views: 6085

What's your highest limit credit card?

I recently called to get the credit card limit increased, I was a little disappointed because they "only" increased it by a $1000 from $15 to $16k. Obviously that's a fair amount of money but we make 6 figures, have no debt, we have a fair amount of homes and our credit score(s) were in th...
by SmallCityDave
Sat Feb 06, 2021 7:51 am
Forum: Personal Consumer Issues
Topic: Need a cheaper cell phone plan
Replies: 79
Views: 7100

Re: Need a cheaper cell phone plan

I find cell phones one of the more complicated categories to purchase - just gets confusing fast with plans and phone and varying start dates and now a merger between Sprint and T-mobile coming. Anyway, I have 6 iphones of various types and ages on a Sprint plan and it's close to $325/month. Person...
by SmallCityDave
Fri Feb 05, 2021 12:37 pm
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9563

Re: Cash vs. Credit

Dave Ramsey is good for the subset of our population that cannot budget and has a hard time holding onto money. He isn't worth listening to if you are financially saavy and don't feel the need to blow every dollar you make. I imagine most Bogleheads (all?) are the latter so he isn't a valuable reso...
by SmallCityDave
Fri Feb 05, 2021 12:25 pm
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9563

Re: Cash vs. Credit

Dave Ramsey is good for the subset of our population that cannot budget and has a hard time holding onto money. He isn't worth listening to if you are financially saavy and don't feel the need to blow every dollar you make. I imagine most Bogleheads (all?) are the latter so he isn't a valuable reso...
by SmallCityDave
Fri Feb 05, 2021 11:06 am
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9563

Re: Cash vs. Credit

We're 40 and started using cash much more about 10-12 years ago. I was intrigued by Dave Ramsey's comments regarding the psychology of cash vs plastic -- the prospect of fewer and smaller purchases when cash is used. We found there to be some real truth to that statement. Already frugal, we became ...
by SmallCityDave
Fri Feb 05, 2021 10:25 am
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9563

Re: Cash vs. Credit

We're 40 and started using cash much more about 10-12 years ago. I was intrigued by Dave Ramsey's comments regarding the psychology of cash vs plastic -- the prospect of fewer and smaller purchases when cash is used. We found there to be some real truth to that statement. Already frugal, we became ...
by SmallCityDave
Fri Feb 05, 2021 10:09 am
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9563

Re: Cash vs. Credit

Many on here will tell you they've achieved FI by using CC cash back programs... :oops: I like cash because statistically it's easier to spend more with credit and on large purchases I've done well with getting good discounts. Were the discounts specifically because you didn't pay with a card or di...
by SmallCityDave
Fri Feb 05, 2021 9:36 am
Forum: Personal Consumer Issues
Topic: New vs. Used car shopping
Replies: 22
Views: 2167

Re: New vs. Used car shopping

It's hard to disagree with the OP. Personally I like the best values so I normally buy 100k miles cars that are 10 years or newer and under $10k but I wanted to treat myself. I was shopping for a Camry 0-2 y/o car with 10-15k miles and they were about $20k plus fees or brand new just what I wanted w...
by SmallCityDave
Fri Feb 05, 2021 8:58 am
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9563

Re: Cash vs. Credit

Many on here will tell you they've achieved FI by using CC cash back programs... :oops:

I like cash because statistically it's easier to spend more with credit and on large purchases I've done well with getting good discounts.
by SmallCityDave
Thu Feb 04, 2021 4:39 pm
Forum: Personal Consumer Issues
Topic: Using an unlicensed painting contractor? (California)
Replies: 49
Views: 2114

Re: Using an unlicensed painting contractor? (California)

We had the outside of the house painted, not the inside. It took 3 weeks, but not full time for all of them for the whole time. They had to scrape, wash, etc. to prep, then they applied primer, then the color (two coats), plus painting the trim a different color, the porch and foundation a differen...
by SmallCityDave
Thu Feb 04, 2021 4:05 pm
Forum: Personal Consumer Issues
Topic: Using an unlicensed painting contractor? (California)
Replies: 49
Views: 2114

Re: Using an unlicensed painting contractor? (California)

I just had a house painted by a local handyman, I bought the paint ($80) and he rolled it on he charged me less than $200 I couldn't be happier. I have no doubt that a local painting contractor would have charged me +/-$2000. With that said I don't live in California (for a reason). I presume this ...
by SmallCityDave
Thu Feb 04, 2021 12:28 pm
Forum: Personal Consumer Issues
Topic: Using an unlicensed painting contractor? (California)
Replies: 49
Views: 2114

Re: Using an unlicensed painting contractor? (California)

We're getting ready to have our house's exterior painted and some dry rot repaired. A realtor friend recommended a couple painters who, I've found out, are not licensed here in California, although they both appear to be capable of getting the job done in a satisfactory manner. Are there any downsi...
by SmallCityDave
Thu Feb 04, 2021 8:34 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 300
Views: 30277

Re: Any Minimalists on here?

After college, I drove out to the West Coast with just my car and whatever I could fit in it. I look back on this memory with great joy, life was simple then. Over the next decades, I accumulated so much stuff, furniture, houses, etc. Moving became a chore, requiring a team of men and a large box t...
by SmallCityDave
Tue Feb 02, 2021 9:40 am
Forum: Personal Consumer Issues
Topic: Car Advice
Replies: 20
Views: 1763

Re: Car Advice

Sounds like you are in a good place financially but there's a lot of room between 1 and 4 million, both can be considered low 7 figures. The other part of the equation is income and debt. Buying an older used 4X4 may not be a bad idea.
by SmallCityDave
Tue Feb 02, 2021 8:08 am
Forum: Personal Consumer Issues
Topic: Dish Network - Is it too late to cancel?
Replies: 2
Views: 379

Dish Network - Is it too late to cancel?

I apologize ahead of time for the dumb question.

I ordered Dish last Friday to be installed on the 10th of this month but I see that there is a slightly better offer so is it too late to cancel?

I have no intention of canceling but I'd like to put it out there for leverage when I call later today.
by SmallCityDave
Fri Jan 29, 2021 9:28 am
Forum: Personal Consumer Issues
Topic: MSN email account - hotmail/outlook
Replies: 3
Views: 399

Re: MSN email account - hotmail/outlook

Go to Outlook.com On the left, select the Deleted Items folder. On the right you will see an option "Recover items deleted from this folder XXX". XXX = number of items in the folder. Click that blue link. Now you are viewing "Recoverable Items". Hit "Empty Folder" at t...
by SmallCityDave
Fri Jan 29, 2021 8:51 am
Forum: Personal Consumer Issues
Topic: MSN email account - hotmail/outlook
Replies: 3
Views: 399

MSN email account - hotmail/outlook

I recently received a message that I've used too much storage in my email account I used 38GB and I only have 15GB of storage. It's taken me 3 days I've deleted 20GB/50k emails, yesterday I ran into a little problem it won't let me empty the deleted folder it says "Try deleting your recoverable...