Search found 987 matches

by snackdog
Sat Apr 17, 2021 10:08 pm
Forum: Personal Consumer Issues
Topic: How to locate a photograph on the internet?
Replies: 14
Views: 966

Re: How to locate a photograph on the internet?

What will you do when you find it?
by snackdog
Sat Apr 17, 2021 5:14 am
Forum: Personal Consumer Issues
Topic: Epoxy garage floor?
Replies: 27
Views: 7023

Re: Epoxy garage floor?

Where does all the acid sued for etching go? Washed down the storm drain?
by snackdog
Fri Apr 16, 2021 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: New vs used car in a strong used car market
Replies: 17
Views: 1190

Re: New vs used car in a strong used car market

Is the child working for this in some fashion, paying part, or just getting a free car from mommy and daddy?
by snackdog
Thu Apr 15, 2021 9:39 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 206
Views: 134952

Re: Banned from Home Depot Returns

I return items a couple times per week. I hope I don’t get flagged at HD. Lowe’s is too far away!
by snackdog
Wed Apr 14, 2021 4:23 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 281
Views: 20632

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

A $700 car payment is extreme. DD has a 2018 Toyota Highlander and her payment didn't break $400. Other family car is a 2020 Toyota Corolla, less than $300. The Highlander is paid off, the Corolla will be paid off this year. Well, obviously you can't really judge the true cost by the payment. I'm a...
by snackdog
Tue Apr 06, 2021 7:24 am
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3295

Re: Should I buy a SLR camera without a built in flash?

Unless you need telephoto for wildlife or something the latest smart phones, especially the iPhones, are putting DSLRs out of business. They take great photos in almost all lighting conditions.
by snackdog
Thu Mar 25, 2021 2:31 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3691

Re: Thoughts on selling a CD music collection....

It could be difficult to even donate them at this stage. They made end up at the dump, unfortunately.
by snackdog
Thu Mar 25, 2021 9:00 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5808

Re: TV size question

Great televisions are cheap these days. Get the biggest you can. Have you ever been to an Imax? Bigger is better for viewing immersion. You don't need OLED or the highest technology for triple the price. We recently got an 82" LG from Costco for a bit over $1k. It is fabulous and looks amazing ...
by snackdog
Thu Mar 25, 2021 8:45 am
Forum: Personal Consumer Issues
Topic: Do you have a gas log insert in your fireplace?
Replies: 21
Views: 1512

Re: Do you have a gas log insert in your fireplace?

We have several high end gas log units which use room air. When not in use all have reasonable quality glass doors which probably seal as well as the flue (which of course is blocked open by code to avoid us all getting killed with CO). They look great (convincing), have remote controls and are near...
by snackdog
Tue Mar 23, 2021 10:08 am
Forum: Personal Consumer Issues
Topic: budget espresso maker
Replies: 67
Views: 3739

Re: budget espresso maker

We tried Nespresso but found the coffee pretty appalling. Taste a shot sometime without any milk or sugar in it. Returned the machine. Ended up with a manual lever La Pavoni. Stunning espresso if you can manage all the variables (fresh beans, perfectly ground and tamped, correct water temp and pull ...
by snackdog
Tue Mar 23, 2021 8:28 am
Forum: Personal Consumer Issues
Topic: Overthinking my Lawnmower Purchase (Push vs. Riding)
Replies: 56
Views: 2926

Re: Overthinking my Lawnmower Purchase (Push vs. Riding)

Have you considered xeriscaping? Sure saves on mowing. Everyone does it in California.

If not, Home Depot has some nice zero turn Ryobi electrics which are low maintenance, whisper quiet and fumeless.
by snackdog
Sat Mar 20, 2021 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: What are your Lean FIRE, FIRE, and Fat FIRE numbers?
Replies: 307
Views: 25302

Re: What are your Lean FIRE, FIRE, and Fat FIRE numbers?

Lean = 25x expenses
Fire = 30x
Fat = 50x
by snackdog
Fri Mar 12, 2021 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Should I cancel earthquake insurance?
Replies: 37
Views: 3140

Re: Should I cancel earthquake insurance?

Im amazed at people who offer anecdotal evidence that they didn’t carry EQ insurance at some point and they were fine. You could make the same point about fire insurance but that doesn’t mean it makes no sense to have it. We have not seen the Big One in any of these systems since 1811 (New Madrid), ...
by snackdog
Wed Mar 10, 2021 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel earthquake insurance?
Replies: 37
Views: 3140

Re: Should I cancel earthquake insurance?

New Madrid is in shut-down mode and earthquakes in the last 200 years are diminishing aftershocks. It is very unlikely to have another large event for thousands of years, despite attention grabbing news headlines.
by snackdog
Wed Mar 10, 2021 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Should I cancel earthquake insurance?
Replies: 37
Views: 3140

Re: Should I cancel earthquake insurance?

As our house is on bedrock and built like tank, I'm not worried about structural damage exceeding our 10% deductible. My biggest concerns would be fire from a gas leak or broken windows. My homeowner's policy will cover both those even for an earthquake. A seismically-activate gas shutoff is highly ...
by snackdog
Wed Mar 03, 2021 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Medallion signature guarantee
Replies: 79
Views: 5602

Re: Medallion signature guarantee

They are rare but when one is required it can be quite a hurdle. I did one once at my credit union. It was easy. It may have been for some kind of investment transfer,
by snackdog
Wed Mar 03, 2021 9:55 am
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 40
Views: 3642

Re: Earthquake Preparedness

I imagine EQ insurance is broken here in Cascadia because not many people have it and governments don't seem too focused on the hazard. I just got a quote which is double my homeowner's policy annual cost and includes a 10% deductible. Our house is on bedrock with a massive concrete foundation so I ...
by snackdog
Fri Feb 26, 2021 9:34 am
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 184
Views: 17394

Re: best wristwatch for the price

I received several $500 watches as gifts from my employer over the years. They all had problems within about five years. Diesel was one. Forgot others. I now prefer self winding for reliability. I prefer leather bands over painful metal but leather does wear out and proper replacement can be pricy. ...
by snackdog
Fri Feb 26, 2021 9:05 am
Forum: Personal Consumer Issues
Topic: Buying a high property tax bill along with the condo
Replies: 14
Views: 1502

Re: Buying a high property tax bill along with the condo

$7000 plus the HOA fee would go a long way toward paying people to maintain your current home - landscaping, snow, roof, insurance etc. Be careful leaving a home and neighborhood you like for a unknown condo situation which could be quite a downgrade in many ways, not least of which could be a nasty...
by snackdog
Thu Feb 25, 2021 9:49 am
Forum: Personal Consumer Issues
Topic: Where to buy inexpensive bird houses and bird feeders?
Replies: 20
Views: 1413

Re: Where to buy inexpensive bird houses and bird feeders?

I like the unfinished ones at Joanne or Hobby Lobby. Fun to coat with linseed oil and paint the roof.

Before you go whole hog with a huge feeder investment you may benefit from a test feeder to see how many squirrels and rats it attracts.
by snackdog
Tue Feb 23, 2021 8:23 am
Forum: Personal Consumer Issues
Topic: Asking for specific car rental model
Replies: 28
Views: 1574

Re: Asking for specific car rental model

These days rental agencies are completely barren of vehicles. I guess they sold them all when the dodoo hit the fan and used car values soared. Now they can’t seem to get new ones.I was in Houston last month and the rental garage was empty, People were being given the next available car as it was re...
by snackdog
Mon Feb 22, 2021 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Lexus RX 350 big enough for a family of 3?
Replies: 48
Views: 2956

Re: Is a Lexus RX 350 big enough for a family of 3?

We have a 2015 F-Sport and no issues with luggage. Just drove it about 2000 miles full of crap. Had a Grand Cherokee at one point which seemed a bit smaller. If you have an extreme need on a particular trip just rent a larger SUV for a few days. We sometime like beating the crap out of a rental on d...
by snackdog
Tue Feb 09, 2021 10:30 pm
Forum: Personal Consumer Issues
Topic: Sierra trip - RWD with chains or AWD
Replies: 22
Views: 1514

Re: Sierra trip - RWD with chains or AWD

I would either plan for snow and put proper snow tires on the car or avoid the area altogether. Driving 30 mph in chains is now pleasant.
by snackdog
Mon Feb 08, 2021 9:36 am
Forum: Personal Consumer Issues
Topic: change 4' fluorescents to something else?
Replies: 58
Views: 3848

Re: change 4' fluorescents to something else?

I recently discovered what a fire hazard old fluorescents can be. The ballasts can run at 200F or more. I touched one on a non functioning lamp and it nearly burned me. They can drip hot tar out of them. Mine are getting ripped out and replaced by much smaller LEd fixtures.
by snackdog
Mon Feb 08, 2021 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house directly from a developer with no buyer’s agent
Replies: 25
Views: 2078

Re: Buying a house directly from a developer with no buyer’s agent

I always used a buyers agent when dealing with builders. One had non-negotiable price, so instead we had them give a large credit for all appliances, window coverings, and even fund the HOA fee for a year.
by snackdog
Mon Feb 08, 2021 6:14 am
Forum: Personal Finance (Not Investing)
Topic: How do you plan for retirement if all the sims are wrong?
Replies: 123
Views: 8015

Re: How do you plan for retirement if all the sims are wrong?

Make sure you have primary and s3condary backup plans in case of Black Swans.
by snackdog
Fri Feb 05, 2021 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Copyright Infringement (Visual Arts)
Replies: 75
Views: 2833

Re: Copyright Infringement (Visual Arts)

I would send a friendly, informal email to the Treasurer attaching a copy of your fabulous photo and saying something along the lines of "I was so thrilled to see we have the same artistic interests. Your painting and my photo of the same subject really complement each other well. Do you think ...
by snackdog
Wed Feb 03, 2021 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: A $3.5M First Home Purchase?
Replies: 124
Views: 10465

Re: A $3.5M First Home Purchase?

To be safe, I would borrow 3x the higher salary, not 3x combined salaries. So, if one of you earns $500k base salary then borrowing $1.5MM would be reasonable. 20% down would put you a bit under $2MM. Keep the rest invested and save like mad.
by snackdog
Tue Feb 02, 2021 8:01 pm
Forum: Personal Consumer Issues
Topic: Building our retirement home
Replies: 102
Views: 7166

Re: Building our retirement home

The best properties generally are already spoken for and built on, so looking for 100 acres never built on really becomes difficult to find a good one for sale. Easier to find one with a structure and then adapt as required. One well is plenty if it is deep enough to be reliable. Again- older, exist...
by snackdog
Tue Feb 02, 2021 10:07 am
Forum: Personal Consumer Issues
Topic: Replacing old Washer & Dryer
Replies: 23
Views: 1633

Re: Replacing Washer & Dryer (Gas)

Costco is the way to go. They have stock, price, warranty and white glove delivery and installation. We used them in August and were delighted. It probably doesn’t matter what brand you get anymore as they are all plastic crap. We like oversized front loaders for blankets,etc.
by snackdog
Mon Feb 01, 2021 10:36 am
Forum: Personal Consumer Issues
Topic: When is buying a home generator worth it?
Replies: 63
Views: 5677

Re: When is buying a home generator worth it?

Our generator seems able to supply power without an interruption, e.g. digital/microwave clocks do not reset or anything. I don’t think there is a significant battery involved, just a big transfer switch. Seems like the generator takes a few seconds to kick on. Shouldn’t we see a short outage?
by snackdog
Mon Feb 01, 2021 1:35 am
Forum: Personal Consumer Issues
Topic: When is buying a home generator worth it?
Replies: 63
Views: 5677

Re: When is buying a home generator worth it?

I was away from home last week and read on a neighborhood Facebook page about everyone crying that the power was out from 7pm to 1am. I asked spouse about it the next day and got a quizzical “I didn’t hear it if the generator was on”. It’s worth it to me to know all is safe at home. Our power goes o...
by snackdog
Sun Jan 31, 2021 8:53 am
Forum: Personal Consumer Issues
Topic: 80+ inch TV
Replies: 58
Views: 5080

Re: 80+ inch TV

I suppose I'll go check out oled. However, my frugal mentality may not allow me to spend that kind of money. I'm kinda looking for a toyota camry of TVs. At 80+ inches you are well beyond Camry territory. You are looking for a crew cab pickup with a lift kit. Get the black wheels for blacker blacks.
by snackdog
Sat Jan 30, 2021 5:37 pm
Forum: Personal Consumer Issues
Topic: Do you cover your AC compressor in winter?
Replies: 50
Views: 4345

Re: Do you cover your AC compressor in winter?

Nice selection of responses and logic. About 50% like a cover of some kind although it’s not clear it is warranted. 17 do not use a cover or see it as needed since units are made for outdoor use. Most clean out debris as needed. 9 cover top at least with plywood or equivalent to reduce leaves and de...
by snackdog
Mon Jan 25, 2021 10:09 am
Forum: Personal Consumer Issues
Topic: Do you cover your AC compressor in winter?
Replies: 50
Views: 4345

Do you cover your AC compressor in winter?

Some people place a cover over their AC compressor in winter, which is new news to me. We don't get more than a dusting of snow here but lots of leaves. Def don't run AC from Oct-Apr or so. Pros -keeps out leaf debris in autumn -potentially keeps out rain and snow, if any -generally protects unit fr...
by snackdog
Mon Jan 18, 2021 9:39 pm
Forum: Personal Consumer Issues
Topic: What Kind of Generator Do you Use for your Home Backup?
Replies: 139
Views: 8780

Re: What Kind of Generator Do you Use for your Home Backup?

We have a fairly large Cummins natural gas unit which powers everything seamlessly. It is about 20 years old and very reliable. It is noisy but far from the house so we don’t hear it unless we are outside. Our power can go out for up to a week so we need it for the water well plus HVAC, etc.
by snackdog
Thu Dec 31, 2020 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Proof of funds to offer a house in Cash
Replies: 49
Views: 3471

Re: Proof of funds to offer a house in Cash

We recently did an all cash offer, which greatly motivated the seller. There was a standard clause in the contract which indicated we had something like 5 days after the contract was signed to provide a letter from our banker/broker guaranteeing we had the required funds. This way I did not have to ...
by snackdog
Wed Dec 30, 2020 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to help parent sell really run down home for top dollar?
Replies: 15
Views: 1190

Re: How to help parent sell really run down home for top dollar?

Get Redfin to sell it as listing agent. They will either charge 1.5% commission or, if full commission, they will project manage all repairs recommended in order to get top dollar.
by snackdog
Wed Dec 30, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Vehicle quality (the real data, not anecdotes)
Replies: 139
Views: 9225

Re: Vehicle quality (the real data, not anecdotes)

Here is another source http://dashboard-light.com/vehicles/Resources/Images/QIRAlpha.png which shows the dominance of Lexus/Toyota. It is based on several million used car inspections and thus addresses long term reliability by brand and individual model. It even notes specific issues, eg. Cadillac ...
by snackdog
Tue Dec 29, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: Effective Altruism. Using the fact based approach to selecting charities.
Replies: 142
Views: 5697

Re: Effective Altruism. Using the fact based approach to selecting charities.

The idea of just sending checks to large organizations (often with massive advertising budgets) claiming to do anything nationally or internationally seems ridiculous. These are often shown to be ineffective organizations rife with waste if not outright corruption. Select the charities you personall...
by snackdog
Sun Dec 27, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: What exactly are YOU doing in retirement?
Replies: 93
Views: 8817

Re: What exactly are YOU doing in retirement?

I probably have 3-5 years of inside and outside projects around the house considering they must fit in between normal operating activities for the household. These range from things like new motorized drapes to re-chipping the dog run to getting wireless signals down the barn for security cameras to...
by snackdog
Wed Dec 09, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a $1m condo in San Francisco in December 2020
Replies: 104
Views: 10093

Re: Talk me out of buying a $1m condo in San Francisco in December 2020

If you are borrowing $800,000 then you just need a fairly secure job with an annual income of about $275,000. Just be careful of HOA fees and buildings with issues which can lead to special assessment for major repairs. Timing-wise, prices are continuing to fall in SF so you would probably be better...
by snackdog
Sun Dec 06, 2020 8:04 am
Forum: Personal Consumer Issues
Topic: Restaurant take out during the pandemic?
Replies: 93
Views: 7421

Re: Restaurant take out during the pandemic?

We have had all sorts of safe take out the last many months. It is not the same as dine-in, as has been noted. Pick-up helps with freshness; we don't do delivery. It also can be variable in terms of quality and this requires trial and error. We have found fabulous local and far-flung (hotel dining) ...
by snackdog
Sat Dec 05, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Another House Can I Afford It Thread
Replies: 73
Views: 5410

Re: Another House Can I Afford It Thread

With 20% down you can borrow about 3x your salary. So that works out to borrowing about $700,000, $150k down and purchase of $850k. Bogleheads would dial this back, of course, as risk mitigation in case your income or expenses make a drastic change. Putting more down becomes a massive drag on your i...
by snackdog
Sat Nov 28, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: Switching to Ooma
Replies: 48
Views: 3284

Re: Switching to Ooma

I don’t see the probable with using your mobile phone for 911. You can set your emergency address on your iPhone, but emergencies happen away from home as well so you just need to provide your location. Why complicate your life with additional services, bills, handsets and phone numbers?
by snackdog
Fri Nov 27, 2020 6:05 am
Forum: Personal Consumer Issues
Topic: Trading a BMW for a Toyota
Replies: 84
Views: 6810

Re: Trading a BMW for a Toyota

Used cars values sky rocketed during COVID. There were also some glitches in the Edmunds tool which seemed to work in my favor so I traded my BMW X5 to Carmax for a Lexus and pocketed about $7k. The BMW was a 445 hp M sport beast with a stiff ride, but I didn’t need it and repairs would eventually e...
by snackdog
Wed Nov 25, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: Hassle free luxury car
Replies: 155
Views: 11631

Re: Porsche as a hassle free luxury car

If by Porsche sedan you man Panamera, they may or may not be hassle free. The Panamera ranks dead last for reliability out of 30 luxury vehicles on repairpal.com.
by snackdog
Mon Nov 23, 2020 11:40 am
Forum: Personal Investments
Topic: Need advice for building a 100% fossil-fuel stock free portfolio
Replies: 95
Views: 3766

Re: Need advice for building a 100% fossil-fuel stock free portfolio

I agree with the idea that 95% of stocks will have you investing in producers or consumers of fossil fuels and 100% may have you investing in producers or consumers of fossil fuels or other mined materials which may be in many cases more destructive to extract than oil and gas. To be as pure as poss...
by snackdog
Sun Nov 22, 2020 7:31 am
Forum: Investing - Theory, News & General
Topic: Withdrawal rate for an early retirement
Replies: 428
Views: 25404

Re: Withdrawal rate for an early retirement

Depends on how safe you can afford to get. 4% is safe, so 3 and 2% are correspondingly safer. If you can live comfortably on 1% SWR, then you should do that and earmark any leftover for charity.
by snackdog
Sat Nov 21, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: Theft of catalytic converter ("autocatalyst") ?
Replies: 64
Views: 4393

Re: Theft of catalytic converter ("autocatalyst") ?

egrets wrote: Sat Nov 21, 2020 9:27 am What about cops driving by, the cops ignore it?
Not much the cops can do about it. They would need to know the regulations behind the federal Clean Air Act and be qualified to correctly estimate the opacity of the emissions for at least five seconds.