Search found 510 matches

by sk2101
Tue Apr 20, 2021 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Car warranty companies
Replies: 24
Views: 1480

Re: Car warranty companies

Find a good mechanic and self-insure.
by sk2101
Tue Apr 20, 2021 10:31 am
Forum: Personal Consumer Issues
Topic: Lease Buyout Options [car]
Replies: 17
Views: 1414

Re: Lease Buyout Options [car]

Sell it to Carmax, Carvana or Vroom. This way you don't pay the sales tax that you would incur if you buy yourself/resell.

Used car prices are extremely inflated right now. I would look into buying/leasing a new one.
by sk2101
Thu Apr 15, 2021 8:55 pm
Forum: Personal Investments
Topic: Why Buy TIPS Bonds Now?
Replies: 36
Views: 3810

Re: Why Buy TIPS Bonds Now?

Reviving this thread, with the real threat of inflation/stagflation we are looking at now, what is everyone's thinking on shifting some allocation to TIPS?
by sk2101
Wed Apr 14, 2021 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: How foolish is this? [Buying waterfront apartment in Florida]
Replies: 99
Views: 9358

Re: How foolish is this? [Buying waterfront apartment in Florida]

I own a handful of condos in S.Florida and I would be comfortable waiving inspection as well. There are not many things that can go wrong in a high rise condo that's not covered by the association. Main item is really the AC, and frankly it's not that expensive to replace those (you only need replac...
by sk2101
Tue Apr 06, 2021 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Spouse on Deed but not Mortgage?
Replies: 13
Views: 1403

Re: Spouse on Deed but not Mortgage?

I had that situation when I refinanced some years ago. I wanted to reduce the paperwork requests and didn't need spouse's income to qualify, so the new loan was made only in my name. She only had to sign her consent for the mortage to be placed on the house. I have since paid off the mortgage and it...
by sk2101
Sat Apr 03, 2021 10:05 am
Forum: Personal Consumer Issues
Topic: Landscape design plans
Replies: 12
Views: 1095

Re: Landscape design plans

Some nurseries will do the design for you. I have used one near me, they came over to take the pictures and later sent photoshop drawings and a complete list of what to buy. They charged a few hundred $, which is credited if you buy the plants from them.
by sk2101
Mon Mar 29, 2021 2:47 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 255
Views: 25321

Re: High spenders what do you spend on?

Removed
by sk2101
Fri Mar 26, 2021 11:57 am
Forum: Personal Consumer Issues
Topic: Selling a Rolex
Replies: 24
Views: 2557

Re: Selling a Rolex

chrono24 is another legit option.
by sk2101
Thu Mar 25, 2021 1:05 pm
Forum: Personal Consumer Issues
Topic: buying a 2020 xc90 volvo
Replies: 17
Views: 1964

Re: buying a 2020 xc90 volvo

You can lease a 2021 XC90 for $450-500 (maybe less if you do 7,500 miles/year). Add the taxes to your purchase price and it's about the same monthly cost as buying. It's an easy decision in my mind. Also, after owning 2 Volvos that I kept 8-9 years, the only way I will ever consider another one is ...
by sk2101
Thu Mar 25, 2021 12:44 pm
Forum: Personal Investments
Topic: Transferring entire 500k taxable account to Bitcoin?
Replies: 169
Views: 9817

Re: Transferring entire 500k taxable account to Bitcoin?

It is amazing to watch every Bitcoin post on Bogleheads get flooded with replies regurgitating the mainstream media’s “greatest hits” tropes about Bitcoin (beeep, “tulips” ... beeerp “Tesla” .... boooonk “bubble”). Come on people, don’t be so lazy. For it, or against it, but give some more thoughtf...
by sk2101
Fri Mar 19, 2021 2:41 pm
Forum: Personal Consumer Issues
Topic: buying a 2020 xc90 volvo
Replies: 17
Views: 1964

Re: buying a 2020 xc90 volvo

You can lease a 2021 XC90 for $450-500 (maybe less if you do 7,500 miles/year). Add the taxes to your purchase price and it's about the same monthly cost as buying. It's an easy decision in my mind. Also, after owning 2 Volvos that I kept 8-9 years, the only way I will ever consider another one is t...
by sk2101
Mon Mar 15, 2021 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Repeated fraudulent Paypal charges using compromised credit card
Replies: 24
Views: 1475

Re: Repeated fraudulent Paypal charges using compromised credit card

The fraudulent charges are setup as recurring and Capital One is carrying it over onto the new cards. Tell them to stop. This is the right answer. The fraudster created an account using your card as payment and PayPal gets the new card number automatically. https://www.paypal.com/us/smarthelp/artic...
by sk2101
Fri Mar 05, 2021 12:55 pm
Forum: Personal Consumer Issues
Topic: 2021 Sunglasses Thread 😎
Replies: 62
Views: 4685

Re: 2021 Sunglasses Thread 😎

I live in Florida and have a large collection of sunglasses. Oakleys, Ray-Bans, Goodr, Arnettes, etc. The best and most comfortable are the Oakleys, but they are pricey. Goodr is good however I don't like it for sports as it keeps bouncing around due to of its design that does not "wrap" a...
by sk2101
Tue Mar 02, 2021 4:05 pm
Forum: Personal Consumer Issues
Topic: Car idle RPM fluctuations - is it a problem? Solved
Replies: 7
Views: 830

Re: Car idle RPM fluctuations - is it a problem?

I suspect a vacuum leak. Check the rubber hoses for any damage.
by sk2101
Fri Feb 19, 2021 9:55 am
Forum: Personal Consumer Issues
Topic: Urgently Need Help! How do I wire large sum of money from Chase
Replies: 15
Views: 1817

Re: Urgently Need Help! How do I wire large sum of money from Chase

I have a Chase Sapphire checking and the limit is $100k per wire, per day (plus wires are free). Amounts beyond that need to be done in person. I believe the reason for the limits are fraud prevention.
by sk2101
Sun Jan 24, 2021 6:49 am
Forum: Personal Finance (Not Investing)
Topic: strange email: what to do?
Replies: 15
Views: 2323

Re: strange email: what to do?

Does the email have a link for you to click on? If so its likely phishing.
by sk2101
Thu Jan 21, 2021 6:11 pm
Forum: Personal Consumer Issues
Topic: I can’t bring myself to spend as much as my first new car on roller shades
Replies: 34
Views: 2352

Re: I can’t bring myself to spend as much as my first new car on roller shades

I also have very large windows. When we bought the house the wife went to a fabric store and had them make huge curtains that I then hung myself. Total spent around $2K. However those curtains are mostly for decoration and are for the most part kept open. What I did for privacy (but primarily for en...
by sk2101
Tue Jan 19, 2021 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Paychex charging exorbitant fees including double fees
Replies: 7
Views: 1029

Re: Paychex charging exorbitant fees including double fees

I don't use Paychex anymore, but my recollection is that the Advisory services are optional and each participant needs to opt in. May be worth giving them a call to them to see if it can be removed.
by sk2101
Thu Jan 14, 2021 6:32 pm
Forum: Personal Consumer Issues
Topic: What is the correct premium to pay for a Toyota vs a Chrysler?
Replies: 53
Views: 3433

Re: What is the correct premium to pay for a Toyota vs a Chrysler?

finfire wrote: Thu Jan 14, 2021 3:45 pm
Makes me wonder why are there so many recent year used Pacificas available?
Rental cars. Toyota sells very little to fleet customers vs. other manufacturers.
by sk2101
Wed Jan 13, 2021 8:09 pm
Forum: Personal Consumer Issues
Topic: eBay Listing Low Shipping Cost
Replies: 13
Views: 1124

Re: eBay Listing Low Shipping Cost

It used to be that ebay fees only applied to the item price, so sellers would inflate shipping costs to pay less fees. eBay wised up and now charges fees on the final cost including shipping, so there is no manouvering there. This is to say that from a sellers perspective all it matters is the total...
by sk2101
Wed Jan 06, 2021 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: How do lottery winners >$50M pick a CPA/attorney/financial planner?
Replies: 34
Views: 3203

Re: How do lottery winners >$50M pick a CPA/attorney/financial planner?

If I lived in a lottery-taxing state, my first two calls would be to a top tax attorney and top tax CPA for advice on how to legally minimize any state tax hit. I would start with Big Law and Big Accounting seeking folks who deal with the personal returns of the mega-wealthy. This. First call shoul...
by sk2101
Wed Jan 06, 2021 8:59 am
Forum: Personal Consumer Issues
Topic: Razer Deathadder Mouse
Replies: 23
Views: 2262

Re: Razer Deathadder Mouse

Wow I was curious and looked it up. Seems that there is a lot of people spend $100+ on a mouse!
by sk2101
Sat Dec 12, 2020 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 39
Views: 2619

Re: Engagement Ring Insurance

Only buy insurance for losses you cannot withstand, like a house fire or a lawsuit. Insurance on jewelery is like throwing money down the drain.
by sk2101
Wed Dec 09, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: home security camera
Replies: 56
Views: 4697

Re: home security camera

I recommend Wyze cameras. They are $20 each, extremely easy to set up (no cables other than power), connect to your phone, send movement alerts and do not require a subscription (although you can pay to have added features such as person recognition). Put in an SD Card and it will store several days...
by sk2101
Tue Dec 08, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Does a cheap road bike really exist?
Replies: 171
Views: 12144

Re: Does a cheap road bike really exist?

What was the cost of your first road bike? That would be a good guide for people asking. My most recent was $1100 fifteen years ago, probably $1600 today. I had "10 speed" bikes, some of them very high end at the time, in the past, but I put this one as being relevant for this thread. I g...
by sk2101
Tue Dec 08, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Does a cheap road bike really exist?
Replies: 171
Views: 12144

Re: Does a cheap road bike really exist?

I think equipment can make a big difference in how much you want to get out and ride. I had a cheap hybrid bike before I bought my first road bike. I mostly just tooled around in town with it. My first proper road bike was a revelation that was the catalyst for really getting out and riding distanc...
by sk2101
Tue Dec 08, 2020 3:35 am
Forum: Personal Consumer Issues
Topic: Does a cheap road bike really exist?
Replies: 171
Views: 12144

Re: Does a cheap road bike really exist?

This is a really tough time to shop for a bike. You should check bikesdirect, they sell cheap and decent no-brand bikes.
http://www.bikesdirect.com/products/road_bikes.htm
by sk2101
Fri Nov 13, 2020 9:59 am
Forum: Non-US Investing
Topic: Questions from a brazilian investor
Replies: 25
Views: 2599

Re: Questions from a brazilian investor

I am afraid no. You have a resident or non-resident account? Brazil is a hostile country to non-resident investors: https://tersi.adv.br/conta-nao-residente-por-que-e-tao-dificil/ Thanks for your help! I also have a brazilian citizenship and file annual tax returns as required per advice of my loca...
by sk2101
Fri Nov 13, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Commuting by bike
Replies: 75
Views: 3378

Re: Commuting by bike

Did anyone mention a rear fender? If you don’t already have one, you will find out you’ll need one after your first ride in the rain and finding out you have a stripe of your back. I recommend front and rear fenders on a commuter bike. A very good set of lights (those can be expensive, I spent arou...
by sk2101
Wed Nov 11, 2020 9:08 am
Forum: Non-US Investing
Topic: Questions from a brazilian investor
Replies: 25
Views: 2599

Re: Questions from a brazilian investor

I have a related question for my brazilian friends. I live in the US but I do have an account with Bradesco Prime in Brazil. This is way less than 1% of my total assets so I really don't pay much attention to it. I have no need for that cash and never touch it (except for ATM withdrawals when travel...
by sk2101
Tue Oct 27, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to Pass On Irrevocable Trust to Children?
Replies: 21
Views: 1282

Re: Possible to Pass On Irrevocable Trust to Children?

Gill wrote: Tue Oct 27, 2020 3:47 pm
sk2101 wrote: Tue Oct 27, 2020 3:41 pm It can be but all the trusts I have seen (I am not an attorney, so ~10 or so) only pass on at the passing of a beneficiary.
To what are you referring in this post?
Gill
Possible to Pass On Irrevocable Trust to Children?
by sk2101
Tue Oct 27, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to Pass On Irrevocable Trust to Children?
Replies: 21
Views: 1282

Re: Possible to Pass On Irrevocable Trust to Children?

It can be but all the trusts I have seen (I am not an attorney, so ~10 or so) only pass on at the passing of a beneficiary. I think that the more important issue here is that given that your assets are over the current exemption, you should also talk to an attorney on how you can use all of the exem...
by sk2101
Tue Oct 27, 2020 10:20 am
Forum: Personal Consumer Issues
Topic: Hassle free luxury car
Replies: 155
Views: 11635

Re: Hassle free luxury car

Porsche Panamera. Looks like you are looking for something sporty and those are very reliable when new.

Lexus would be my recommendation if you were keeping it for 10 years. I would not get the LC if you need to carry kids becasue the backseat is useless.
by sk2101
Sun Oct 25, 2020 7:36 pm
Forum: Personal Consumer Issues
Topic: Chartering a flight on short notice?
Replies: 39
Views: 3904

Re: Chartering a flight on short notice?

[quote=inbox788 post_id=5563318 time=1603493410
And yet we all Uber to the airport and other places.
[/quote]

Well, not really, the clientele that flies private have their own drivers or someone to arrange to have their cars waiting when they land and just pick up the keys from the FBO.
by sk2101
Sun Oct 25, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendation
Replies: 52
Views: 3213

Re: Luxury car recommendation

Do not date a chick that cares about what car you drive, thats a recipe for a miserable life. If YOU will get enjoyment from it then do it, but never do it for what you think others will perceive you. Here's a crazy idea, how about saving all of the extra money? I have always been a car guy but nowa...
by sk2101
Thu Oct 22, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Recommend WiFi camera that works on guest network
Replies: 25
Views: 1490

Re: Recommend WiFi camera that works on guest network

We have our wyze cameras on a guest network and they work just fine. Unless there's something unusual about your setup? I still wonder about that. Not a verizon customer, myself. +1 have always used Wyze and Nest cameras on the guest network without any issues. But I use Google WiFi mesh routers.
by sk2101
Thu Oct 22, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Chartering a flight on short notice?
Replies: 39
Views: 3904

Re: Chartering a flight on short notice?

In my office my admin used to book a lot of charters for my boss. If you google "name of closest executive airport" and charter flights you will get a bunch of companies that charter planes locally. My boss had Netjets and Sentient memberships and chartered though a local company when ther...
by sk2101
Tue Oct 20, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Meditation Guides?
Replies: 58
Views: 2910

Re: Meditation Guides?

Headspace app. I have not tried others.
by sk2101
Tue Oct 20, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10925

Re: Convince us to buy our first luxury car!

Why buy a car in this price range, lease. You'll be tired of the dated features in a few years and can lease a new one every 3 years to bring new happiness. Better yet, lease the DW one next year and have double the happiness. This is what most people do. Agree 100% with this. For people who care e...
by sk2101
Mon Oct 19, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Windows 10 very slow (2 year old Dell Desktop)
Replies: 76
Views: 4623

Re: Windows 10 very slow (2 year old Dell Desktop)

1) Change the hard drive to an SSD
2) Add more RAM memory
by sk2101
Fri Oct 16, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Costco Appliances
Replies: 21
Views: 2892

Re: Costco Appliances

Have bought appliances from Costco many times (my home and for several rental properties) and their service is top notch, I would say above what HD, Lowes and Sears (RIP) offer. Costco is just the middleman so you are really buying from the manufactrer and they are the ones who setup the delivery an...
by sk2101
Fri Oct 16, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Epoxy Garage Floors
Replies: 11
Views: 1573

Re: Epoxy Garage Floors

I have never heard of that before. What causes epoxy to peel is hot tires. So if you want to be careful, wait for the tires to cool down and then park the car in the garage.
by sk2101
Thu Oct 15, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Would you buy the newest Apple Watch if it's priced at $140?
Replies: 30
Views: 2364

Re: Would you buy the newest Apple Watch if it's priced at $140?

If the main use is to track fitness activities, a Garmin watch is a much better choice. It also connects to your phone to display alerts, messages, weather etc. So, to answer your question, I would not pay $140 for a Apple watch, but I'd pay 5x that for a Garmin watch (they do have cheaper versions ...
by sk2101
Wed Sep 30, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 127
Views: 14036

Re: Oil change disaster

Long time ago, I used to take my car to a mechanic to do oil changes. One time, after I drop off the car I get a call saying that they can't change the oil because they are unable to remove the drain plug. Turns out they stripped the bolt trying to remove it and they were the ones who had done the p...
by sk2101
Tue Sep 29, 2020 12:06 pm
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 233
Views: 16973

Re: A simpler car.

leasing gets a bad rap in every financial forum as you build no equity in the car. But, for somebody like yourself, if you're fine with a bare-bones car, you can get plenty of good base models for under $300/month and effectively have a new car every 3 years. If you don't drive that much, you proba...
by sk2101
Tue Sep 29, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 127
Views: 14036

Re: Oil change disaster

Hope OP gets a favorable solution to this mess. To others this should be a warning that the quick lube places should be avoided at all costs. If you are not doing it yourself, you should take it to the dealer - there is a much higher chance of them knowing what they are doing and its not that more e...
by sk2101
Mon Sep 21, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3431

Re: Best shoes for running?

I am a lifelong runner. No one can recommend you shoes without a good understanding your biomechanicals and your use case. I suggest you go to a running store (not a big box store), where they can do a gait analysis. That will not give you a definitive answer but you will get a good starting point f...
by sk2101
Wed Sep 09, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: Please help me, need to buy a computer
Replies: 144
Views: 7992

Re: Please help me, need to buy a computer

If you are not tech savvy, an Apple computer is a better choice vs. a PC. Sure, it will require you to learn a new O/S but Apple is a much simpler interface.

As others mentioned, Chromebooks are a great choice if it you just have basic needs.
by sk2101
Wed Sep 02, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 102
Views: 6642

Re: Gravel Bike Recommendation

Gravel bikes design are similar with road bikes. Out of your options I would go with the Cervelo Aspero, assuming it fits you well. I have owned several Cervelos and they make excellent bikes and are in the forefront of bike design. Canyon can be a good value choice, but you should be looking at th...
by sk2101
Wed Sep 02, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Roku vs Amazon Firestick Content
Replies: 23
Views: 1839

Re: Roku vs Amazon Firestick Content

I have both. The content is pretty similar, however on the Firestick you have the ability to install apps such as IPTV or Kodi. If you don't want to dwelve into those rabbit holes then both have the same basic functionalities, and I'd say that Roku is a little more user friendly.