Search found 173 matches

by CULater
Fri Apr 28, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Mazda CX-5 window shattering problem
Replies: 9
Views: 744

Mazda CX-5 window shattering problem

According to complaints filed on the website carcomplaints, unexpected shattering or cracking of car windows/windshield in the Mazda CX-5 is not an uncommon occurrence. A big problem is that dealers often won't cover this under warranty, claiming it was caused by a rock or something. Has this happen...
by CULater
Thu Apr 27, 2017 12:05 am
Forum: Personal Consumer Issues
Topic: Help with Medicaid Questions
Replies: 4
Views: 592

Help with Medicaid Questions

I have a couple of questions pertaining to Medicaid that I hope can be addressed. 1) First, what care accommodations are covered by Medicaid? I ask because my sister has found an assisted living facility (non-profit) that is telling her that they have a certain number of studio apartments that are a...
by CULater
Tue Apr 25, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 2560

Re: Are CCRCs a good deal? [Continuing Care Retirement Community]

Long term care insurance is going the way of the do-do bird, due to oversubscription and much higher payouts than the insurance companies estimated. Premiums are skyrocketing and companies are not writing new policies or the policy terms are much less attractive. The early-comers were getting a pret...
by CULater
Mon Apr 24, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 2560

Re: Are CCRCs a good deal?

I'm somewhat familiar with the John Knox CCRC in Kansas City. The Independent Living, Assisted Living, and Long Term Care facilities are in different locations. It is important to check out each one to determine how well you will be satisfied when you move. Most folks move in initially into the Inde...
by CULater
Sat Apr 22, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: 2017 Mazda CX-5 vs. 2017 Honda CRV
Replies: 17
Views: 2083

Re: 2017 Mazda CX-5 vs. 2017 Honda CRV

I went back to the dealer to check the CRV display screen/navi. I don't know why, but when I wear my tinted, polarized, prescription sunglasses I have a hard time seeing the screen clearly. It affects the clarity of everything including the backup cam. It looks a bit smudgy as though there is someth...
by CULater
Sat Apr 22, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: 2017 Mazda CX-5 vs. 2017 Honda CRV
Replies: 17
Views: 2083

Re: 2017 Mazda CX-5 vs. 2017 Honda CRV

Test drove both yesterday and initial impressions were that they are very competitive. Both 2017 models ride better and are quieter than before. I thought that the CRV was a bit quieter (less pavement noise) than the CX-5 and maybe a tad more compliant on bumps. +1 for CRV. My impression is that the...
by CULater
Fri Apr 21, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: 2017 Mazda CX-5 vs. 2017 Honda CRV
Replies: 17
Views: 2083

2017 Mazda CX-5 vs. 2017 Honda CRV

I've narrowed down to the Mazda CX-5 and Honda CRV. Both new models with improvements in ride and noise level, as well as other areas. These both seem like good vehicles and are very competitive in terms of features, price, and assumed reliability. Has anyone shopped or bought one of these and can s...
by CULater
Thu Apr 20, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to withdraw a positive credit card balance ($2600)?
Replies: 10
Views: 977

Re: How to withdraw a positive credit card balance ($2600)?

White Coat Investor wrote:Why not just use that card for your monthly spending the next month or two?

Main reason is that I get 1% cash back on this card, but 2% on another card and prefer to use that card. You know 1% of $2600 is $26! The Boglehead Way.
by CULater
Thu Apr 20, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to withdraw a positive credit card balance ($2600)?
Replies: 10
Views: 977

How to withdraw a positive credit card balance ($2600)?

I just got a large refund ($2600) to my credit card, which was previously paid off. Now I have that amount as a large surplus on that credit card. I don't use it that often and would like to figure out how I can withdraw/transfer that credit card balance without incurring a fee (such as for a cash a...
by CULater
Wed Apr 19, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Hearing aids: has anyone used a CROS hearing aid?
Replies: 18
Views: 1629

Re: Hearing aids: has anyone used a CROS hearing aid?

I hope they do work for me. I will be sure to head for a noisy restaurant I know of and sit so that the bad ear is exposed to the noise. The alternative for me is to just wear one aid in the good ear (which needs some correction) and the noise was very distracting when in this restaurant recently wi...
by CULater
Tue Apr 18, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Hearing aids: has anyone used a CROS hearing aid?
Replies: 18
Views: 1629

Re: Hearing aids: has anyone used a CROS hearing aid?

...Thank you for your response. It makes sense to me. To elaborate, the ENT referred to some sort of technological "trick" that the CROS system uses to distinguish between sounds originating from the good ear side and the bad ear side; and "neuroplasticity" that allows the brain...
by CULater
Sat Apr 15, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Hearing aids: has anyone used a CROS hearing aid?
Replies: 18
Views: 1629

Re: Hearing aids: has anyone used a CROS hearing aid?

Mike83 - thank you very much for your detailed information. I have exactly the same situation as yours, so this is very helpful. It's particularly helpful to know what brands there are and where to buy. I only know about the Phonak. I am to be fitted in a few days and don't know what brand they have...
by CULater
Sat Apr 15, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Hearing aids: has anyone used a CROS hearing aid?
Replies: 18
Views: 1629

Re: Hearing aids: has anyone used a CROS hearing aid?

I do have some hearing loss in the good ear as well, so I guess I'm a candidate for a BI-CROS rather than a CROS. I was previously fitted for two conventional hearing aids at both an ENT and then at Costco and was wearing aids in both ears. The one in the bad ear just produces inaudible squawky soun...
by CULater
Fri Apr 14, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Hearing aids: has anyone used a CROS hearing aid?
Replies: 18
Views: 1629

Re: Hearing aids: has anyone used a CROS hearing aid?

If you in fact have moderate to severe or greater hearing loss in the one ear, I would investigate cochlear implants. I will second this, as I have a CI. I am a late-deafened adult, now 61, started losing my hearing in my 40s. I got a Cochlear Implant about 7-8 years ago. Was the best decision I ev...
by CULater
Fri Apr 14, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Hearing aids: has anyone used a CROS hearing aid?
Replies: 18
Views: 1629

Re: Hearing aids: has anyone used a CROS hearing aid?

Thank you for your response. It makes sense to me. To elaborate, the ENT referred to some sort of technological "trick" that the CROS system uses to distinguish between sounds originating from the good ear side and the bad ear side; and "neuroplasticity" that allows the brain to ...
by CULater
Thu Apr 13, 2017 5:42 pm
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5820

Re: Jack says be realistic

Given that, Bogle doesn’t see the next few years bringing stock gains anything like the average 11% rise across his own career. Instead, investors should expect annual returns of around 4% for equities, he said. All the risk of equities for about 1/3 of the bygone returns. Those approaching the end...
by CULater
Tue Apr 11, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Hearing aids: has anyone used a CROS hearing aid?
Replies: 18
Views: 1629

Hearing aids: has anyone used a CROS hearing aid?

Have lost most of my hearing in one ear. The ENT recommended that I try a CROS hearing aid. This works by transmitting sound from the bad ear side to the good ear side. Interestingly, he said that the CROS aid will actually allow your brain to distinguish between sound input on the good side and sou...
by CULater
Wed Mar 29, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 7705

Re: Christine Benz's Three Bucket System

So, as Dr. Milevsky has pointed out, bucketing actually exposes you to more risk from a bad sequence of returns. Reason: you are forced to draw down the safest assets (cash, bonds) and consequently this increases your relative equity allocation - increasing the overall risk of your portfolio. Smoke...
by CULater
Mon Mar 27, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 7705

Re: Christine Benz's Three Bucket System

So, as Dr. Milevsky has pointed out, bucketing actually exposes you to more risk from a bad sequence of returns. Reason: you are forced to draw down the safest assets (cash, bonds) and consequently this increases your relative equity allocation - increasing the overall risk of your portfolio. Smoke ...
by CULater
Mon Mar 27, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Honda
Replies: 58
Views: 4438

Re: Toyota vs. Honda

I have a major problem with the uglification of Toyotas. Having one of those angry fish mouth things in my garage would keep me awake at night.
by CULater
Mon Mar 27, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 7705

Re: Christine Benz's Three Bucket System

I decided that my best investment strategy is to kick the bucket. :D
by CULater
Mon Mar 27, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 4976

John Bogle interview: is "deep risk" growing?

[Thread merged into here, see below (next page). --admin LadyGeek] Just listened to an interview on CNN with John Bogle, and I was struck by his comments that long-term risks to the economy and markets may be greater than in the past and be growing. William Bernstein refers to long term risk as &qu...
by CULater
Tue Mar 21, 2017 12:18 am
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 20
Views: 1998

Re: Quietest tire for 2017 Honda CRV?

What are the chances of taking a new car into Discount Tire and getting a good deal on swapping out the OEM tires for a set of Michelins? Do they do such a thing?
by CULater
Sun Mar 19, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: an in depth look at gold
Replies: 91
Views: 6104

Re: an in depth look at gold

I put 5% in a gold ETF because I have as much overvalued stock as I'm comfortable with, way much more in nil return bonds than I'm comfortable with, didn't want to invest more in either, and thought that gold might be a little more interesting than cash. When compared to krap, gold doesn't look so b...
by CULater
Sat Mar 18, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 20
Views: 1998

Quietest tire for 2017 Honda CRV?

Quiet and smooth ride are top priorities for me. Haven't test-driven yet, but supposedly the new 2017 Honda CRV is much quieter than previous models. Even so, if/when I buy one I'd like to include in the deal an upgrade to the quietest replacement tire I can get at the Honda dealer. The originals ar...
by CULater
Tue Mar 14, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Contract purchase of condo from elderly mother to fund assisted living
Replies: 7
Views: 649

Contract purchase of condo from elderly mother to fund assisted living

Mother is in assisted living and needs the funds from a small condo she owns to pay her expenses. One option I'm considering is to purchase it from her myself. We could simply sell it but I'm considering another option. Can I buy the condo via a contract purchase arrangement, whereby I would pay in ...
by CULater
Mon Mar 13, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda CRV: anyone shopping or buying?
Replies: 26
Views: 3018

Re: 2017 Honda CRV: anyone shopping or buying?

I'm concerned about this comment from one reviewer. Can anybody comment? controls for audio, navigation and other systems are cumbersome. The touch screen is too slow and many of the touch points are too small for easy use in a moving vehicle. The result is too much time with the driver looking at t...
by CULater
Sat Mar 11, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Tell Me: can I use cellular wireless to stream TV with my Roku?
Replies: 4
Views: 495

Tell Me: can I use cellular wireless to stream TV with my Roku?

I stay for short (3-4 month) periods at an Arizona condo. When I stay there, I currently have to go through the process of signing up with an internet service provider and then I have to cancel and repeat the process every time I come for a stay. I need internet for a VOIP google voice phone in the ...
by CULater
Sat Mar 11, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: 2017 Honda CRV: anyone shopping or buying?
Replies: 26
Views: 3018

Re: 2017 Honda CRV: anyone shopping or buying?

I've had a 2015 CRV Touring for a couple of years so I can't make an apples to apples comparison but can offer a few observations. I absolutely love that the GPS screen turns into a rear facing camera when the right turn signal is activated. No blind spot now. I'm not sure if this is a Touring Only...
by CULater
Sat Mar 11, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: 2017 Honda Civic not recommended by Consumer reports
Replies: 44
Views: 5668

Re: 2017 Honda Civic not recommended by Consumer reports

cjcerny wrote:CR also hates Honda's infotainment system with a passion. If you've tried it, you know why.

May I ask why? I'm concerned that the redesigned 2017 CRV might have the same infotainment system, which I'm shopping.
by CULater
Fri Mar 10, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda CRV: anyone shopping or buying?
Replies: 26
Views: 3018

2017 Honda CRV: anyone shopping or buying?

I'm considering the new and improved 2017 Honda CRV, but haven't shopped or test-driven yet. Have done a lot of googling and in general the reviews seem quite favorable. However, there are a few negatives that I've run across: (1) the 1.5 L turbo engine is relatively new with unproven reliability an...
by CULater
Fri Mar 10, 2017 12:00 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 17654

Re: Sitting on cash....Waiting for a crash

I keep thinking about the 1990s during the great runup in stock prices. I ask myself how anybody could have continued to hold high equity allocations. I'm sure the same pro and con discussions were going on and many were deciding there was no way to foretell what was going to happen, stay in, stick ...
by CULater
Tue Mar 07, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: Oh no! The Ohama Titanic Syndrome signal.
Replies: 24
Views: 4533

Oh no! The Ohama Titanic Syndrome signal.

Now, a new addition to the dreaded market crash indicators such as the infamous Hindenburg Omen! I'm hunkering down. Prominent chart specialist Tom McClellan on Tuesday said that when lows surpass highs, within seven trading days of a 1-year high for the S&P 500, it flashes an Ohama Titanic Synd...
by CULater
Thu Feb 16, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Sling TV: internet speed needed
Replies: 3
Views: 528

Sling TV: internet speed needed

Thinking about trying SlingTV with a Roku on my HD television. Wondering what minimum internet speed will be needed in order to use SlingTV on just one TV with a Roku wirelessly connected to my router. What internet speed would be needed if I want to work on my laptop at the same time I'm Slinging o...
by CULater
Wed Feb 15, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: New cars with turbo-4 engines -- good idea to buy?
Replies: 36
Views: 2203

Re: New cars with turbo-4 engines -- good idea to buy?

Was checking on the internet and found info that turbo engines tend to run hotter, as the turbo is pumping hot exhaust gasses back into the intake. So, the oil has to be changed more often, more expensive synthetic is often recommended, and the seals, bearings, etc. can suffer damage from the higher...
by CULater
Tue Feb 14, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: Are stock valuations so high because interest rates are so low?
Replies: 28
Views: 2364

Are stock valuations so high because interest rates are so low?

So now CAPE is about 29, a level exceeded only in 1929 before the crash and in the period of 1998-2001 in the dot.com meltup and meltdown period. Why aren't we running toward the exits? I figure it must be that in the previous two periods, interest rates must have been much higher and bonds/fixed in...
by CULater
Mon Feb 13, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: New cars with turbo-4 engines -- good idea to buy?
Replies: 36
Views: 2203

Re: New cars with turbo-4 engines -- good idea to buy?

I'm almost exclusively looking at cars with small turbo-4 engines (including the CR-V and Civic). I trust that the powertrain of any of these cars will outlast most of the other parts of the car, assuming reasonable maintenance / upkeep. New CRV has some good reviews but I have two concerns: (1) tu...
by CULater
Mon Feb 13, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: New cars with turbo-4 engines -- good idea to buy?
Replies: 36
Views: 2203

New cars with turbo-4 engines -- good idea to buy?

Looking at new cars and more are being equipped with small 4-cyl turbocharged engines; all in the effort by automakers to improve fuel mileage without sacrificing engine performance. For example, the new 2017 Honda CRV has a new 1.5L turbo-4 engine in all but the base model. I was talking with two d...
by CULater
Sat Feb 11, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Why not use an agent to buy a new car?
Replies: 4
Views: 547

Re: Why not use an agent to buy a new car?

Do you consider services like Costco auto program in your definition? These services really make the buying process easy - prenegotiated prices that are decent. The only downside is you could probably get a better price with a little more work. The last time I bought a new vehicle I did both the em...
by CULater
Sat Feb 11, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Why not use an agent to buy a new car?
Replies: 4
Views: 547

Why not use an agent to buy a new car?

Seems to me a viable strategy for no-hassle purchase of a new car is to work through a car-buying agent. Presumably, this would be a pro who knows how to find and get the best price on the vehicle you're shopping for. At the same time, you could do your email auction thing with several dealers and a...
by CULater
Mon Feb 06, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 10922

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

larryswedroe wrote:BTW- I've shown that the strategy would have worked very well even using one year Treasuries showing it's not dependent on bull market in bonds. Would have worked even better obviously with say 5 year maturities
Larry

Isn't this just one version of Taleb's "Black Swan" portfolio strategy?
by CULater
Mon Feb 06, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 10111

Re: A note of caution from Robert Shiller

Best I can figure is that Shiller is referring to the total price return over the last 17 years (inflation adjusted), which is actually about 23.7% from Jan, 2000 to Jan 2017, which is an annualized real return of 1.26% . Total real return with dividends reinvested is about 85.9%. However, the reinv...
by CULater
Mon Feb 06, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 10111

Re: A note of caution from Robert Shiller

rockonhumblepie wrote: I don't spook easy... but I'm very uneasy these days. :shock:

Me too, so I bought some gold. Helps me to hang on a little while longer. But if CAPE hits 30, I'm outta here! (currently 28.34)
by CULater
Mon Feb 06, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 46
Views: 3854

Re: Robocalls! -- current best call blocker?

As far as I know, all the call blockers send the blocked numbers to voicemail, so you still have to deal with them there. Mr Number used to hang up on blocked calls but with the advent of more recent Android OS versions, that doesn't work anymore. The other shortcoming is that they all just block n...
by CULater
Mon Feb 06, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Did I inadvertently avoid my RMD with a Roth recharacterization?
Replies: 8
Views: 738

Re: Did I inadvertently avoid my RMD with a Roth recharacterization?

Your 2016 year end balance for calculating your 2017 RMD is increased by the amount that actually transferred back to your TIRA in January. That amount may well be more or less than the amount you converted in November. If 2016 was an RMD distribution year for you (you reached 70.5 by the end of 20...
by CULater
Sun Feb 05, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 46
Views: 3854

Re: Robocalls! -- current best call blocker?

As far as I know, all the call blockers send the blocked numbers to voicemail, so you still have to deal with them there. Mr Number used to hang up on blocked calls but with the advent of more recent Android OS versions, that doesn't work anymore. The other shortcoming is that they all just block nu...
by CULater
Sun Feb 05, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Did I inadvertently avoid my RMD with a Roth recharacterization?
Replies: 8
Views: 738

Re: Did I inadvertently avoid my RMD with a Roth recharacterization?

No. The year end balance needs to be adjusted for the recharacterization. Vanguard may or may not keep track of this, but you have to. IRA account balance. The IRA account balance is the amount in the IRA at the end of the year preceding the year for which the required minimum distribution is being...
by CULater
Sun Feb 05, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Spring Training in Phoenix
Replies: 7
Views: 839

Re: Spring Training in Phoenix

I'd plan on getting to the baseball stadium well ahead of game time unless you like sitting in long lines of cars waiting to park. That and breakfast should take care of half your morning right there.
by CULater
Sun Feb 05, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 10922

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

Having played with this a great deal, the unfortunate aspect of including Gold is that once you eliminate the years 1972-1975 from long term gold returns, you will find it did nothing for you. If you compare an allocation of 30% SCV, 70% ITT to any allocation that replaces some of your ITT with gold...

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