Bogleheads.org

SmallCityDave

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 ...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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 ...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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 ...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

How many miles per year do you plan to put on the crossover?

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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 ...

SmallCityDave

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...

SmallCityDave

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 ...

SmallCityDave

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 ...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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?

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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 ...

SmallCityDave

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 ...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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

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.

SmallCityDave

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...

SmallCityDave

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 ...

SmallCityDave

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...

SmallCityDave

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...

SmallCityDave

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.

SmallCityDave

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.

SmallCityDave

SmallCityDave

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...

SmallCityDave

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...

Search found 359 matches