Search found 265 matches

by CULater
Thu Aug 17, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a share (coop apartment) lender for apartment purchase
Replies: 2
Views: 186

Finding a share (coop apartment) lender for apartment purchase

I'd like to finance the purchase of an apartment in a Cooperative apartment building. My understanding is that can be done by means of getting share loan, since in a coop you don't actually "own" real estate but instead a "share" in the cooperative that corresponds to the apartment unit that you occ...
by CULater
Wed Aug 16, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4385

Re: Best Housing To Avoid Noise

I've found a difference between "predictable" or expected noise and noise that occurs more randomly. I was amazed at how quickly we got used to the loud noise of the EL in a hotel in downtown Chicago. I think it was because it had a regularity to it and your brain starts to accept that kind of noise...
by CULater
Tue Aug 15, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Hail protection for new car?
Replies: 11
Views: 758

Foam padding to protect car -- what am I looking for?

[Thread merged into here. --admin LadyGeek] I'm trying to figure out what to get to help protect car from hail. Would put it on the car under a car cover. Material something like a yoga pad about 1/2 inch to 1 inch thick that is flexible and rolls up. Needs to be about 5-6 ft wide and about 15 ft l...
by CULater
Sun Aug 13, 2017 8:40 pm
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6462

It's easy to have an investment plan until you get punched in the face

The Wall Street Journal asks an interesting question this week… As the U.S. stock market continues to set all-time highs, many investors are proudly adhering to their mantra of “buy and hold.” That is what financial advisers preach, and investors are sticking to it. For now, anyway. The tougher ques...
by CULater
Sun Aug 13, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Hail protection for new car?
Replies: 11
Views: 758

Hail protection for new car?

Have to park new car outside and worry about all the hailstorms that seem to be around. Pondering best way to at least mitigate hail damage without spending a fortune. Best idea I've had so far is to do something like buying a couple foam mattress pads or some thick blankets and throw them over the ...
by CULater
Thu Aug 10, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Why shouldn't I buy a Google Pixel through Verizon?
Replies: 12
Views: 1066

Re: Why shouldn't I buy a Google Pixel through Verizon?

There is some misinformation in this thread that I want to try to clear up. I am a Verizon customer and I bought my Pixel from Verizon (excellent phone by the way). 1. Verizon Pixels are not loaded with Verizon bloatware. Verizon has a poor reputation for loading their phones with bloatware. Howeve...
by CULater
Thu Aug 10, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5139

Re: Buying a Vehicle the Old Fashioned Way

You don't have to choose between (a) sitting face-to-face with salesmen vs. (b) e-mail bombing dealerships. I absolutely agree with this. My whole point for writing this is that there is an alternative to just doing email bombs which I think aren't effective at getting the lowest price. I think the...
by CULater
Thu Aug 10, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Why shouldn't I buy a Google Pixel through Verizon?
Replies: 12
Views: 1066

Re: Why shouldn't I buy a Google Pixel through Verizon?

I was told by salesman at Best Buy that all Google Pixel phones sold with Verizon plans are actually unlocked phones that can be used with any carrier. I'm a longtime Verizon customer and this is the first time that I've heard of Verizon doing this. I would double check with Verizon itself. Also ma...
by CULater
Thu Aug 10, 2017 6:34 am
Forum: Personal Consumer Issues
Topic: Why shouldn't I buy a Google Pixel through Verizon?
Replies: 12
Views: 1066

Why shouldn't I buy a Google Pixel through Verizon?

I was told by salesman at Best Buy that all Google Pixel phones sold with Verizon plans are actually unlocked phones that can be used with any carrier. At the moment, a Google Pixel can be purchased from Verizon for $17.50 per month for 24 months, or $420, which is significantly less than the retail...
by CULater
Wed Aug 09, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5139

Re: Buying a Vehicle the Old Fashioned Way

Sort of combined the old and the new way in recent purchase of Honda CRV. Visited Dealer #1 in one city I was staying in, test drove CRV, talked price with the salesman and then left. Then visited Dealer #2 in another city I was staying in, test drove CRV, talked price with salesman and then left. T...
by CULater
Tue Aug 08, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 32
Views: 2503

Re: Buy Google Pixel mobile now or wait for Pixel 2

Google is back ordered on the silver Pixel. Given the comments about supply issues is it worth waiting for it or go ahead and order a different color?
by CULater
Wed Aug 02, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Inexpensive Android setup to use with Android Auto?
Replies: 13
Views: 797

Re: Inexpensive Android setup to use with Android Auto?

Maybe... This work around isn’t as good as having true Google Maps navigation running on your CarPlay display, but if you run all your routes and contacts through Google Maps than Apple’s own Maps app, this is the next best thing. Have full control of CarPlay apps whilst being navigated by Google Ma...
by CULater
Thu Jul 27, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 8826

Re: Should I Quit my 6-figure job?

It's the things you don't do, rather than the things you do, that end up causing the greatest regret. Figure out the best way to get out of the handcuffs and do something else.
by CULater
Thu Jul 27, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Question about buying Mom's condo & Medicaid eligibility
Replies: 11
Views: 912

Re: Question about buying Mom's condo & Medicaid eligibility

I am considering buying it myself to live in it as a vacation property (it is in Arizona). Mom will then use the proceeds to pay her assisted living expenses until depleted. My understanding is that the property must be liquidated before she can qualify for Medicaid anyway, since it is not her prima...
by CULater
Wed Jul 26, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Question about buying Mom's condo & Medicaid eligibility
Replies: 11
Views: 912

Question about buying Mom's condo & Medicaid eligibility

Will need to liquidate Mom's condo soon in order that she has funds to continue in assisted living, and we're concerned about the possibility she might have to apply for Medicaid assistance when those funds run out. As her son, I'm considering buying it from her but want to avoid any future issues q...
by CULater
Wed Jul 26, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 42
Views: 3082

Re: Metropcs iPhone SE $200

So, here's my question. Can I buy an SE from Consumer Cellular, use it on CC and unlock it after 6 months, and then stick a SIM in it for a Verizon MVNO and use it on Verizon instead of AT&T? In other words, will it be like any unlocked SE that can be used on either network? I'm far from an exp...
by CULater
Wed Jul 26, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?
Replies: 67
Views: 2838

Re: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?

You can have U-Haul install a hitch for probably around $150 and you can get a cheapo hitch rack for probably $120 or so. Total cost maybe $250 - $300.
by CULater
Wed Jul 26, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 42
Views: 3082

Re: Metropcs iPhone SE $200

So, here's my question. Can I buy an SE from Consumer Cellular, use it on CC and unlock it after 6 months, and then stick a SIM in it for a Verizon MVNO and use it on Verizon instead of AT&T? In other words, will it be like any unlocked SE that can be used on either network?
by CULater
Wed Jul 26, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4411

Re: MVNO's versus the Big 4

Also, carrier hopping is quite easy when you own your own device, and especially when going from cricket to at&t. Trying out cricket on a single line for a month might not be a bad idea. You don't have to be using an unlocked phone to hop carriers, as long as you are switching between carriers ...
by CULater
Mon Jul 24, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3619

Re: Golfers - need to ramp up ASAP!

Anyone who thinks they can "ramp up" their golf game is living in a Fool's Paradise. I've played golf for probably 60 years now and there has never been any ramping up. Yes, my swing looks better than it used to, but the scorecard still sucks. Forgeddaboudit. Spend your ramping up time doi...
by CULater
Mon Jul 24, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4411

Re: MVNO's versus the Big 4

I never have to port my number because for years I've used Google Voice. Keep the same number, just change the forwarding number in GV when I switch services. Don't even know the native phone number.
by CULater
Mon Jul 24, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4411

Re: MVNO's versus the Big 4

So, I'm not quite sure why I would want to use Ting or Cricket vs. H2O. They're both more expensive for GSM. For Ting I'm at $28 for 500 minutes talk and 500Mb data and for $25 (with autopay) I get unlimited talk and 1G data on Cricket, which is better than Ting. But for $27 (with autopay) I get un...
by CULater
Mon Jul 24, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31529

Re: John Bogle Has Been Right About Investing In International Stocks

Over the long run, I doubt that it makes much difference whether you invest 100% in a U.S. market index or include an allocation to Foreign Developed and Emerging Market. What will make a difference is whether or not you stick with whatever allocation you select. So, it's important to do whatever yo...
by CULater
Sun Jul 23, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4411

Re: MVNO's versus the Big 4

So, I'm not quite sure why I would want to use Ting or Cricket vs. H2O. They're both more expensive for GSM. For Ting I'm at $28 for 500 minutes talk and 500Mb data and for $25 (with autopay) I get unlimited talk and 1G data on Cricket, which is better than Ting. But for $27 (with autopay) I get un...
by CULater
Sat Jul 22, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4411

Re: MVNO's versus the Big 4

So, I'm not quite sure why I would want to use Ting or Cricket vs. H2O. They're both more expensive for GSM. For Ting I'm at $28 for 500 minutes talk and 500Mb data and for $25 (with autopay) I get unlimited talk and 1G data on Cricket, which is better than Ting. But for $27 (with autopay) I get unl...
by CULater
Fri Jul 21, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 1990

Re: How is U-Haul for getting a trailer hitch?

I agree that it looks pretty easy to install the hitch itself. I think I could do it myself if I wanted to crawl around under the vehicle. Is there anything wrong with just having U-Haul do the hitch and then maybe I can have the wiring done later if I decide I need it? It looks like these are separ...
by CULater
Fri Jul 21, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4411

Re: MVNO's versus the Big 4

Same for H20, no taxes or fees added. I pay $27/mo for unlimited voice and 3 gb. data.
by CULater
Thu Jul 20, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4411

Re: MVNO's versus the Big 4

I use Cricket which is on the AT&T network. Never had an issue with reception anywhere in the US. $35/month with 4 GB data. I have Cricket also. However, there is NO COVERAGE in many parts of Arizona and New Mexico. All of the carriers have maps and it is important that you understand where you...
by CULater
Thu Jul 20, 2017 9:08 pm
Forum: Investing - Theory, News & General
Topic: Risk, Return, and Rebalancing
Replies: 104
Views: 3866

Re: Risk, Return, and Rebalancing

Most of these backtesting analyses, including value-at-risk, have the unfortunate characteristic of being based on a given lump sum being invested at the front end and then being held for differing time horizons. So, the results would apply if you happen to have a rich Uncle who dies and leaves you ...
by CULater
Thu Jul 20, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4411

Re: MVNO's versus the Big 4

As far as I know, the AT&T MVNOs do not have roaming when you're off the native AT&T grid (including Cricket which is owned by AT&T and has the same coverage as GoPhone). So you'll have some holes here and there that you wouldn't have with AT&T. The possible exception is Consumer Cel...
by CULater
Thu Jul 20, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 1990

How is U-Haul for getting a trailer hitch?

Looks like U-Haul has the hitch I'm interested in putting on a new 2017 Honda CRV and reasonably priced, about $275 for hitch and wiring installed. Honda dealer wants about $700-$800 for same. Wondering if these guys are any good and I should trust them to put a hitch on a brand new pristine vehicle...
by CULater
Thu Jul 20, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: Risk, Return, and Rebalancing
Replies: 104
Views: 3866

Re: Risk, Return, and Rebalancing

Anyone who suggests that holding stocks long-term is a sure-fire approach to realizing higher returns with less risk is simply nuts, is mathematically illiterate, or is a financial advisor.
by CULater
Thu Jul 20, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 5066

Re: My Costco/TrueCar auto shopping experience

FYI, the TrueCar price online was $1897 off sticker, the Costco price was $1600 off sticker. I contacted another dealer online and he gave me $2500 off sticker as his first offer. I think it's good to know what TrueCar and Costco might do as a point of reference, but you can probably do better witho...
by CULater
Wed Jul 19, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: Risk, Return, and Rebalancing
Replies: 104
Views: 3866

Re: Risk, Return, and Rebalancing

I nevIer said "always safe." I said that the longer the holding period, the lesser the risk of losing money, which is historically true. That may be technically true because of the effects of compounding over time. But the dispersion of final compounded returns does not decline with time ...
by CULater
Wed Jul 19, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Any car top bike carriers that are easy to load?
Replies: 3
Views: 409

Re: Any car top bike carriers that are easy to load?

I have the Thule Paceline roof mounted rack which I love but this year is the first time that I think I'm agreeing with my DW that I should give some serious thought to getting a hitch for our SUV and a Thule hitch rack ; I had a great technique for getting the bike up top - left hand on front fork...
by CULater
Wed Jul 19, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 3251

Re: Road noise in 2017 Honda CRV?

Buying a new small SUV and like the new Honda CRV. However, the one fly in the ointment is that a couple of reviews have mentioned that the vehicle has some road noise on pavement that is not smooth. I have an older CRV and road noise has always been a bane of that vehicle and I want it gone. Like ...
by CULater
Wed Jul 19, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: Risk, Return, and Rebalancing
Replies: 104
Views: 3866

Re: Risk, Return, and Rebalancing

Let's have a look at the chart on the bottom of this page on Risk and Time. m Paul Samuelson made the point a while back that equities don't become less risky as a function of time if you view it in terms of compound return; time diversification is false. But that's only true if returns are a rando...
by CULater
Wed Jul 19, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 5066

Re: My Costco/TrueCar auto shopping experience

The CRV price seems to be regional. Checking Truecar, there's a much smaller discount in Phoenix than there is in either of the Midwest cities I've checked. This squares exactly with my experience. When I was recently in Phoenix, dealers weren't dealing at all, they wanted MSRP. But in Midwest the s...
by CULater
Wed Jul 19, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 5066

Re: My Costco/TrueCar auto shopping experience

2017 CRV is new model and has been in demand. Has been hard to get much of a discount until recently. Don't know what has changed except maybe now dealers have more stock to move. I found this as well. They are in high demand. I planned to use the internet shopping technique, but almost didn't both...
by CULater
Wed Jul 19, 2017 4:35 pm
Forum: Investing - Theory, News & General
Topic: Risk, Return, and Rebalancing
Replies: 104
Views: 3866

Re: Risk, Return, and Rebalancing

Let's have a look at the chart on the bottom of this page on Risk and Time. m Paul Samuelson made the point a while back that equities don't become less risky as a function of time if you view it in terms of compound return; time diversification is false. But that's only true if returns are a rando...
by CULater
Wed Jul 19, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Any car top bike carriers that are easy to load?
Replies: 3
Views: 409

Any car top bike carriers that are easy to load?

I'd like to get a car top bike carrier for 2 bikes but have a bad arm. Wondering if there are any that are easy to load if you don't have two good arms to lift up the bike.
by CULater
Wed Jul 19, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Risk, Return, and Rebalancing
Replies: 104
Views: 3866

Risk, Return, and Rebalancing

Something I'm mulling over is the relationship between risk and rebalancing. The conventional notion is that rebalancing helps to control risk, where risk is viewed as magnitude of point in time drawdown, volatility or standard deviation of periodic (e.g., daily, monthly, annual returns). By maintai...
by CULater
Tue Jul 18, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 5066

Re: My Costco/TrueCar auto shopping experience

2017 CRV is new model and has been in demand. Has been hard to get much of a discount until recently. Don't know what has changed except maybe now dealers have more stock to move.
by CULater
Tue Jul 18, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 3251

Re: Road noise in 2017 Honda CRV?

Drove one yesterday over some rough road surface and it seemed OK to me, at least for the price. I figure I'll find some road surfaces that drive me nuts but so far it's all good...
by CULater
Tue Jul 18, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 5066

My Costco/TrueCar auto shopping experience

Looking at a new 2017 Honda CRV Touring and have done a little price shopping. Was curious about TrueCar and Costco pricing on the vehicle. Here's what I found out from a couple dealers. The first dealer didn't participate in the Costco program, so I asked about TrueCar pricing and looked up the Tru...
by CULater
Tue Jul 18, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Thinking of Retiring in South Florida
Replies: 13
Views: 1744

Re: Thinking of Retiring in South Florida

I once visited the St. Petersburg area of Florida in May and was steam-poached by the heat and humidity. I left and never returned. Think Southwest.
by CULater
Tue Jul 18, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Recent article - Medicaid and other long- term care options
Replies: 6
Views: 699

Re: Recent article - Medicaid and other long- term care options

Thanks for posting the article. This is a terrible problem that we are all going to have to face. My sister and I have been caring for our mother, who is now 100, for over a decade when she began developing dementia. It has been an enormous burden for her and for us and has completely altered our li...
by CULater
Sun Jul 16, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 3251

Re: Road noise in 2017 Honda CRV?

I wonder if there is any chance of getting a dealer to include a tire swap as part of the purchase of a new CRV? Has anyone ever tried that? I wouldn't mind paying something for a tire upgrade, but I wouldn't want to pay full price for the new tires, which might run $700 - $800 for a set of Micheli...
by CULater
Sat Jul 15, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 3251

Re: Road noise in 2017 Honda CRV?

I wonder if there is any chance of getting a dealer to include a tire swap as part of the purchase of a new CRV? Has anyone ever tried that? I wouldn't mind paying something for a tire upgrade, but I wouldn't want to pay full price for the new tires, which might run $700 - $800 for a set of Michelin...
by CULater
Fri Jul 14, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 3251

Re: Road noise in 2017 Honda CRV?

My understanding is that dealers tires on new cars are usually, "softer" than the tires you buy from Tire rama and those types of stores. Because of this they are quieter but they don't last as long. I would drive the car and see what you think about the road noise since it is probably as...