Search found 673 matches

by William4u
Tue Jul 28, 2015 9:29 am
Forum: Personal Consumer Issues
Topic: Fuel injector cleaning
Replies: 11
Views: 323

Re: Fuel injector cleaning

wander wrote:I pour techron in fuel tank every 5 - 10k miles. My cars are at 230k and 350k miles right now. Not sure if any of it helps but I do follow advice.


What two cars are those? Just curious.
by William4u
Sat Jul 25, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 31
Views: 2950

Re: Low mileage oil change

My trusted mechanic and my owner's manual say every 6 months if you don't reach the mileage requirement. For cars that use synthetic oil, its every 12 months. +1 I agree with this. Short trips can be very, very hard on the oil. Oil needs to be changed more often per mile if the car is only driven i...
by William4u
Mon Jul 20, 2015 11:58 am
Forum: Personal Consumer Issues
Topic: 2007 Toyota Camry Issue
Replies: 20
Views: 1564

Re: 2007 Toyota Camry Issue

I've done those things myself on my car. They are normal wear and tear items on an older car, although my toyota went about 175k miles and 12 years before needing this service. 8 years and 62k is too soon for this service. It isn't an emergency repair, and you may be able let it go for a few months ...
by William4u
Sat Jul 18, 2015 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 48
Views: 3849

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

Flush brake fluid - every 2 years Flush radiator coolant - every 3-4 years or 60k miles Differential fluid drain and fill - every 60k miles ATF drain and fill - every 30 k miles I have a 2011 Civic with around 57k miles and I don't know that any of these have ever been done. They should be done. Yo...
by William4u
Sat Jul 18, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5637

Re: The " Corolla" investment....

Thanks for posting this as it makes me feel better about keeping my wife's 2007 Yaris. It has 160k trouble free miles on it and I asked her a few weeks ago if she wanted to trade it in for a new Corolla but she said she likes the Yaris and wanted to keep it. It is boring to drive but still feels as...
by William4u
Fri Jul 17, 2015 7:52 pm
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5637

Re: The " Corolla" investment....

gatorking wrote:My 1997 Corolla has only 130k miles on it. The exhaust needs fixing and engine mounts need to be replaced. Other than that it runs great. Only major repair was a transmission rebuild that cost $600.


How did you get a transmission rebuild for $600? In these parts it is much more.
by William4u
Fri Jul 17, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Fish in the refrigerator
Replies: 25
Views: 3181

Re: Fish in the refrigerator

Snap tight lids might not seal 100%. Plastic breathes, so the lid should be metal. A screw top metal lid and a glass container should work. That is what I use.
by William4u
Fri Jul 17, 2015 3:04 pm
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 43
Views: 3089

Re: Recommended World War I book

1. All Quiet on the Western Front by Erich Maria Remarque. Remarque was a German soldier during WWI. The book can be read in a few hours. It stays with you forever. Yet I read it again about every 5-10 years. 2. The Guns of August by Barbara Tuchman. I have read that President Kennedy thought highl...
by William4u
Fri Jul 17, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: 40,000 mile service for a 2009 Honda Fit
Replies: 20
Views: 1387

Re: 40,000 mile service for a 2009 Honda Fit

Transmission drain and fill should run about $100-$150. A "flush" may be more but probably isn't necessary if you change it every 40k. . Flushing an automatic transmission is a recipe for disaster, it pushes debris into places it would not otherwise get to; another scam that has been fois...
by William4u
Wed Jul 15, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6790

Re: I tipped 15% and got a dirty look

When I was a waiter, the average waiter probably average $60 a night, for a 10 hour shift. How many tables/people does a waiter serve in 10 hours? Even if we're talking fairly low price meals where the tip is only $2 a person, I'm guessing most waiters serve more than 30 people in a 10 hour shift. ...
by William4u
Wed Jul 15, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5637

Re: The " Corolla" investment....

I'd replace the spark plugs every 100k. I just replaced the plugs on my two 200,000 mile Toyotas, and saw a bump in gas mileage that will pay for the spark plugs. And the Corolla's spark plugs are easy and cheap to replace. I did it myself in 20 minutes for about $10 for all four plugs. Youtube can ...
by William4u
Wed Jul 15, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6790

Re: I tipped 15% and got a dirty look

Waiting tables is hard work, and increasingly the work of the working class single parent. It is hard on the joints and is injury prone. About two hours a shift one is essentially working for nothing (doing side work prepping or breaking down while making $2/hour and no tips). The money isn't that g...
by William4u
Wed Jul 15, 2015 12:00 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6790

Re: I tipped 15% and got a dirty look

I'm afraid that 15% is now considered a bad tip. 20% is considered the proper tip for decent service.
by William4u
Sun Jul 12, 2015 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 68
Views: 4510

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

Alliant Credit Union has a $20/month ATM reimbursement. Plus, they have more free ATMs than Wells Fargo.

http://www.alliantcreditunion.org/depos ... tm-rebates
by William4u
Sat Jul 11, 2015 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Favorite Fidelity Funds
Replies: 10
Views: 849

Re: Favorite Fidelity Funds

I only own Spartan Funds at Fidelity (I also have Vanguard funds at Vanguard). I would never own a Fidelity fund without "Spartan" in the title. IMHO, the other Fidelity funds are no good.
by William4u
Wed Jul 08, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 90
Views: 8491

Re: Worst financial book you have read (or will admit you have read)

The Motley Fool Investment Guide: How The Fool Beats Wall Street's Wise Men And How You Can Too.

The book has lots of tips for how to pick individual stocks.
by William4u
Wed Jul 08, 2015 5:30 am
Forum: Personal Consumer Issues
Topic: kitchenaid vs. bosch dishwasher
Replies: 61
Views: 3205

Re: kitchenaid vs. bosch dishwasher

We got the highest end kitchenaid a couple of years ago. It is very quiet, and cleans well. We looked at the bosch but it was too small inside. The kitchenaid was bigger. No problems so far.
by William4u
Mon Jul 06, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 5251

Re: New tires - where to buy, how to get a good deal?

We just got four Michelin Defender XT tires from Costco July 5th. $15/tire install fee. Free lifetime rotation and balancing. $70 off sale on any four Michelins. Good deal on Consumer Reports #1 passenger car non-performance all-season tire.
by William4u
Tue Jun 09, 2015 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Advice Needed: building a $20k portfolio for 25 y/o?
Replies: 21
Views: 1993

Re: Advice Needed: building a $20k portfolio for 25 y/o?

Honestly? Skip the bonds. Can you leave it alone? If you can leave it alone, it will have ups and downs, but in the long run, it will (more likely than not) produce for you. You just have to leave it in long enough. Why skip the bonds? 1) you are really young 2) bonds do not do well with taxes 3) (...
by William4u
Mon Jun 08, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Confused college kid
Replies: 54
Views: 5475

Re: Confused college kid

The people that hire from the Ivy League know exactly what those grades mean. The people with the top grades work harder, have more discipline, and are a bit smarter. A person from Cornell graduating in the bottom 50% may have worked hard in high school, but has been coasting and drinking too much ...
by William4u
Mon Jun 08, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Confused college kid
Replies: 54
Views: 5475

Re: Confused college kid

On academics its worth going for the grades. People will care more about the grades than the subject area, after you graduate and get your first job. So if software isn't working for you, take fewer software courses and more economics ones. I would tend to disagree with this. People will care more ...
by William4u
Sun Jun 07, 2015 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6609

Re: What Percent Of Your Annual Expenses Are Property Taxes?

3% of expenses, and about 1.5% of income.
by William4u
Sat Jun 06, 2015 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Confused college kid
Replies: 54
Views: 5475

Re: Confused college kid

Research definitively shows that what a 20 year old thinks he or she wants will be very different in 10 years. http://news.sciencemag.org/2013/01/your-elusive-future-self http://www.dailymail.co.uk/sciencetech/article-2093895/People-surprisingly-bad-guessing-future-self-react.html http://en.wikipedi...
by William4u
Thu Jun 04, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing over finances.
Replies: 70
Views: 6475

Re: Divorcing over finances.

Not to take over the thread, but this is definitely true, except in my case. I have since completed my PhD and have a pretty well-paying professional career... Luckily, my wife and I are not in that camp either. We got our PhDs together and have been married for a long time after. We loved our grad...
by William4u
Thu Jun 04, 2015 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Divorcing over finances.
Replies: 70
Views: 6475

Re: Divorcing over finances.

My story has probably been told here several times. I did not initiate the divorce, but the dissolution of my first marriage was solely due to finances. When we married, my (ex) wife had just finished undergrad and was applying for dental school. I paid off her undergrad and consumer debt (car, few...
by William4u
Wed Jun 03, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Quit high paying job to be stay at home parent?
Replies: 44
Views: 5212

Re: Quit high paying job to be stay at home parent?

I would prioritize getting a new job ASAP. Suffering for three more years sounds pretty bad. I'd take these three years to train for another profession if your entire profession is what you hate. And getting back into the workforce is very hard after time off. Most of my professional friends who lef...
by William4u
Tue Jun 02, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: What to do with an old 403B?
Replies: 2
Views: 262

Re: What to do with an old 403B?

The Vanguard 2040 fund is ideal. It should be easy to transfer to a Vanguard IRA.
by William4u
Mon Jun 01, 2015 7:23 pm
Forum: Investing - Theory, News & General
Topic: Are you middle class?
Replies: 21
Views: 2694

Re: Are you middle class?

Busting Myths wrote:$100,000 range for my county. Trust me when I say the $47K household and the $147k household are not in the same class.


Same here. Crazy high range that makes most households middle class.
by William4u
Sat May 30, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 110
Views: 13440

Re: Can my husband retire yet?

It sounds like he is more comfortable with the lesser duties of a grandfather. My retired grandfather didn't have to work, and didn't have to do the heavy lifting taking care of kids. He just had fun, did a few minor chores, and hung out with the kids when it was easy. If the grandkids got difficult...
by William4u
Fri May 29, 2015 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: lump sum divorce settlement
Replies: 31
Views: 4112

Re: lump sum divorce settlement

I should add one more thing. An accounting degree is worth a lot, but only if it comes from a traditional, non-profit state or private university or college. I say this because a lot of unscrupulous, for-profit "universities" are preying on people in the worst way, and accounting is one of...
by William4u
Wed May 27, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a "free" PhD program is around half a million? How does anyone afford this?
Replies: 91
Views: 6817

Re: Cost of a "free" PhD program is around half a million? How does anyone afford this?

And I agree with the above recommendation to not join a lab with 10-year grad students. Get out of grad school after 5 years total, and I think you're doing fine. There are reasons to stay longer than that, but make sure you have a reason. 5 years is typical for science and engineering PhDs. Humani...
by William4u
Wed May 27, 2015 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: lump sum divorce settlement
Replies: 31
Views: 4112

Re: lump sum divorce settlement

If you take ALL the stats into considerations (without cherry picking), an accounting degree is a really, really good bet for a 15-20 year career. I don't see how anyone can say that without running the numbers. After all, you don't even know the OP's current job & income. Looking at stats of 2...
by William4u
Wed May 27, 2015 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a "free" PhD program is around half a million? How does anyone afford this?
Replies: 91
Views: 6817

Re: Cost of a "free" PhD program is around half a million? How does anyone afford this?

During those nine years I learned a lot of intrinsically interesting things that were darn worth learning for their own sake. It was very educational. Yes, educational. That's what a university is about, study, education, research, admission into the community of scholars. +1 My wife and I got our ...
by William4u
Wed May 27, 2015 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: lump sum divorce settlement
Replies: 31
Views: 4112

Re: lump sum divorce settlement

News stories about college graduates bar tending are media exaggerations, as this article notes. The vast majority of people with a higher degree make way, way more money over a lifetime than those who lack degrees. Even starting in your 50s, there is still ~20 years of working left. Many of the hig...
by William4u
Wed May 27, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: lump sum divorce settlement
Replies: 31
Views: 4112

Re: lump sum divorce settlement

+1

I completely agree with Grt2bOutdoors just above.
by William4u
Wed May 27, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: lump sum divorce settlement
Replies: 31
Views: 4112

Re: lump sum divorce settlement

Others above are giving good advice. I too am sorry for your situation. In the US, on average, divorce is tougher financially on women than men in the long term. But it sounds like your potential career in accountancy could be the silver lining. I have three female friends who were in similar circum...
by William4u
Tue May 26, 2015 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Planning Ahead for Retirement, UofM
Replies: 3
Views: 824

Re: Planning Ahead for Retirement, UofM

UofM is very good for these sorts of things!
by William4u
Tue May 26, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: John Nash killed in car crash
Replies: 11
Views: 3521

Re: John Nash killed in car crash

This is a real tragedy. From what I read both Nash and his wife were ejected from the cab. The driver (who was presumably at least protected by an air bag if not wearing a seat belt) has survived with non life-threatening injuries. More evidence that one should wear seat belts all the the time. +1 ...
by William4u
Tue May 26, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7513

Re: Once in a life time trip.

I saw lots of kids having a blast in Arches National Park in Moab, UT. Hikes are not difficult in Arches NP and everything around you is beautiful. Double O arch hike is fun and they get to scramble up a big rock to hike on a fin. Lots of fun stuff to do around Moab. Moab is highly recommended. Yel...
by William4u
Mon May 25, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help! I'm a hot mess when it comes to investing.
Replies: 12
Views: 1231

Re: Help! I'm a hot mess when it comes to investing.

We have Fidelity and Vanguard. We like the Vanguard Funds marginally better. It isn't a huge difference; Fidelity is fine, but only if you stick to Spartan Funds. We don't like any other Fidelity funds but the Spartan ones. We own some Spartan funds are are happy with them. In general, the best fund...
by William4u
Fri May 22, 2015 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7966

Re: please confirm: early retirement

I think living on a gross annual income of about $70,000 (inflation adjusted) for a couple for about 20 years in your 50s and 60s is pretty tight and uncomfortable. I would probably not have the discipline and end up spending down more of my portfolio and just hope the financial markets cooperate. ...
by William4u
Fri May 22, 2015 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Confused [about bonds]
Replies: 15
Views: 1936

Re: Confused [about bonds]

Thanks 'William4u'. That's an interesting approach. I'd like to replace our Balanced Fund (we also have Wellington) with pure stock and bond components - but our balanced funds now have a fair amount of unrealized capital gains. (We started investing with Vanguard about 25 years ago.) And, in the n...
by William4u
Thu May 21, 2015 11:47 pm
Forum: Personal Consumer Issues
Topic: South Bend to Chicago to Milwaukee
Replies: 18
Views: 1444

Re: South Bend to Chicago to Milwaukee

apex84 wrote:Going north from Chicago to Milwaukee, you might want to stop by the Chicago Botanic Garden. The other thing I like to do north of the city is see a concert at Ravinia, but that depends on your timeline.


+1 We love the Chicago Botanical Gardens. Well worth a visit.
by William4u
Thu May 21, 2015 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Confused [about bonds]
Replies: 15
Views: 1936

Re: Confused [about bonds]

Thank you all for your responses. --' downshiftme' for the "heads-up" regarding fund names; -- 'dbr' for the advice to look at taxes and after tax yield; --' grabiner' for fixing my post and pointing out a bond liquidity problem with option #1; -- and' 'confused', sorry about that. Option...
by William4u
Thu May 21, 2015 11:40 am
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 10078

Re: How much can I spend on a car?

The diversity of responses here reminds me of a trick I've seen many kids try: ask for advice or permission from enough adults until you get the response you wanted in the first place. Ask mom for a toy, and if she says no, try dad, who is more permissive. Or, as my wife does, ask for something (lik...
by William4u
Wed May 20, 2015 5:37 pm
Forum: Personal Consumer Issues
Topic: Any Experiences Buying Mattress Online
Replies: 26
Views: 2761

Re: Any Experiences Buying Mattress Online

We bought this Night Therapy bed for a guest room, and slept on it a few times. It was surprisingly comfy for less that $200 for a full size bed.

http://www.amazon.com/Night-Therapy-Pre ... B004TN5JSW
by William4u
Tue May 19, 2015 5:32 pm
Forum: Personal Consumer Issues
Topic: South Bend to Chicago to Milwaukee
Replies: 18
Views: 1444

Re: South Bend to Chicago to Milwaukee

Indiana Dunes National Lakeshore is a beautiful National Park, and is definitely worth a visit. It is about halfway between South Bend and Chicago, and is right off the interstate. So it is a "low cost, high benefit" visit, since it is right off the road you are going to be on anyway. If y...
by William4u
Mon May 18, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: MDs--Academics or Private Practice?
Replies: 25
Views: 2539

Re: MDs--Academics or Private Practice?

The only academic MDs I know are tenured or tenure-track at R1 research institutions. Getting tenure at those places is hard enough outside the med school, but in the med school it is much, much harder. Pre-tenure work hours, according to them, are much more than private practice. They worked 7 days...
by William4u
Fri May 15, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 10078

Re: How much can I spend on a car?

Just to chime back in, I think some of the folks here are right about enjoying yourself a little while you're young and able (assuming you and your parents are cool with you doing so while still living at home with them). I bought a Mercedes C300 CPO which was virtually brand new for an incredible ...
by William4u
Fri May 15, 2015 10:20 am
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 10078

Re: How much can I spend on a car?

Just to chime back in, I think some of the folks here are right about enjoying yourself a little while you're young and able (assuming you and your parents are cool with you doing so while still living at home with them). I bought a Mercedes C300 CPO which was virtually brand new for an incredible ...

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