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It is currently Tue Aug 30, 2016 2:19 am



Viewing profile - kombat

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kombat
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Joined: Tue Mar 11, 2008 12:19 pm
Last visited: Mon Aug 29, 2016 11:13 am
Total posts: 1965
[2.20% of all posts / 0.64 posts per day]
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Most active forum: Personal Finance
[ 1345 Posts / 68.45% of user’s posts ]
Most active topic: ObamaCare (+Tangents Evolution, Religion, & Global Warming)
[ 33 Posts / 1.68% of user’s posts ]

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Location: Ottawa, Canada
Occupation: Computer programmer
Interests: Photography, finance
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kombat Posts

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 Forum: Personal Finance   Topic: Buying a used car

 Post subject: Re: Buying a used car
Posted: Tue Aug 23, 2016 5:32 am 

Replies: 8
Views: 134


I tried the Beetle last winter and it did not work. On days when there was marginal snow with good tires, the beetle still got stuck Good "all season" tires, or good snow tires? I said snow tires. Specifically for winter. November comes around, you swap off your "all season" tir...

 Forum: Personal Finance   Topic: Buying a used car

 Post subject: Re: Buying a used car
Posted: Mon Aug 22, 2016 9:19 am 

Replies: 8
Views: 134


Does everybody on the east coast drive SUVs? That's rhetorical - of course they don't. Lots of people get by just fine with plain old cars. I would strongly suggest you consider getting a good pair of snow tires for your Beetle (instead of just relying on the "No Season" tires), and I thin...

 Forum: Personal Finance   Topic: Downgrading car worth it?

Posted: Mon Aug 15, 2016 4:39 am 

Replies: 8
Views: 225


I would say yes, definitely do it. Trade it in (down) for a 2-3 year old Toyota or Mazda. Honda's reliability has been waning in recent years. I know at least 3 people who've bought brand new Hondas within the past 3 years, and they've all complained about various mechanical problems. In particular,...

 Forum: Personal Finance   Topic: Using Credit Cards in lieu of a personal loan

Posted: Thu Aug 11, 2016 4:30 am 

Replies: 57
Views: 1057


Besides the average cost of a new car is about $33-34K in the US, not $50K. Let's not exaggerate stuff to make a point. I'm not exaggerating. I've told this story before, but here goes: In 1999, I bought my first brand-new car: A 1999 VW Jetta GLS. Base price was $23,500. I wanted the VR6 engine in...

 Forum: Personal Finance   Topic: Using Credit Cards in lieu of a personal loan

Posted: Wed Aug 10, 2016 9:24 am 

Replies: 57
Views: 1057


"Financially speaking," most luxuries are terrible investments. Agreed. But a car is among the most expensive. There's a big difference between splurging on a $150 meal for your anniversary, and blowing $50k on a status symbol. A person who buys a car new is buying the latest safety featu...

 Forum: Personal Finance   Topic: Using Credit Cards in lieu of a personal loan

Posted: Wed Aug 10, 2016 4:32 am 

Replies: 57
Views: 1057


I didn't say they were flat-out idiots, I said they were idiots, "financially speaking." You can be a financial idiot and a medical genius. Lots of (most?) doctors are terrible with money. You can be a brilliant artist, a trivia buff, or even (ironically) a math wizard, and still be terrib...

 Forum: Tips, Tricks, Links, Pointers   Topic: SPAM

 Post subject: Re: SPAM
Posted: Wed Aug 10, 2016 4:06 am 

Replies: 8
Views: 263


I agree - complain to the owners! Please! Let them know it's affecting their site traffic. If enough of us contact them, maybe it'll get their attention. I haven't gotten anywhere with them contacting them myself.

 Forum: Personal Finance   Topic: Using Credit Cards in lieu of a personal loan

Posted: Tue Aug 09, 2016 9:48 am 

Replies: 57
Views: 1057


No need to guess - My journal is plainly visible in the Fiscal Fitness subforum. I couldn't find yours, for some reason. Buying a brand new car is objectively, mathematically inferior to buying a slightly-used, late model example of the same car. When buying new, you pay thousands of extra dollars i...

 Forum: Personal Finance   Topic: Using Credit Cards in lieu of a personal loan

Posted: Tue Aug 09, 2016 9:11 am 

Replies: 57
Views: 1057


use condoms. No thanks, that's the whole reason I got a vasectomy. I am using cc's to get rich slowly, and have been for years Yes, we all know you're quite proud of your ability to shuffle tens of thousands of dollars around and gaming the banks, to make a couple extra bucks a year. For most of us...

 Forum: Tips, Tricks, Links, Pointers   Topic: SPAM

 Post subject: Re: SPAM
Posted: Mon Aug 08, 2016 4:25 am 

Replies: 8
Views: 263


I think DoingHomework also checks in periodically and deletes some spam.

 Forum: Tips, Tricks, Links, Pointers   Topic: SPAM

 Post subject: Re: SPAM
Posted: Thu Aug 04, 2016 4:07 am 

Replies: 8
Views: 263


You're right, flagging the obvious ones is pointless - we see them right away, as brand new threads, with obviously spammy titles, posted by a new user with a low post count. If you see spam posts appended to pre-existing threads, that somehow slipped through the cracks and no longer show up on the ...

 Forum: Personal Finance   Topic: Shame

 Post subject: Re: Shame
Posted: Tue Jul 26, 2016 7:20 am 

Replies: 1
Views: 274


This forum receives a deluge of spam several times a day. We do not have time to thoroughly vet each and every post. If a brand new user with no post count shows up and starts posting links, it's considered spam.

 Forum: Fiscal Fitness Journals   Topic: Financial Freedom - 5 million

Posted: Tue Jul 12, 2016 4:15 am 

Replies: 10
Views: 2949


Re: Cars. Buying new is not the best move financially. The best move is to buy slightly used, like a car just coming off of a 2-year lease. When you buy brand new, you pay a premium for being the first owner. In addition, there are a plethora of extra fees and taxes that you don't pay when you buy u...

 Forum: Personal Finance   Topic: Gross income poll

 Post subject: Re: Gross income poll
Posted: Wed Jun 29, 2016 6:45 am 

Replies: 4
Views: 5234


My wife and I each make about the same salary ($80k - $85k), but she gets a little extra in bonuses each year (maybe another $10k). Our household income is around $165k - $170k/year. We generally have quite a bit extra each month after paying the mortgage ($3,100) and all the bills. We have no other...
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