Search found 159 matches

by Helo80
Wed Jul 19, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 55
Views: 1875

Re: Would you let your teenager spend all his savings on a gaming computer?

I'll be straight.... I've been investing since I was 14-15 Y/O. Not all of my money and mostly into Roth IRAs (no taxable accounts), but I say that to say I've had a good financial head on my shoulder's for fiduciary spending. My best gaming years were in middle school and high school. My college pr...
by Helo80
Wed Jul 19, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 27
Views: 3293

Re: My Costco/TrueCar auto shopping experience

I hope that you all are realizing that TrueCar/USAA/Costco is not a "best-fit" for all. I think once upon a time, TrueCar, et. al, were tad bit better in competition as dealers were undercutting each other to the point that they were losing money on transactions. It was almost a little bit...
by Helo80
Wed Jul 19, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 27
Views: 3293

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 ...
by Helo80
Wed Jul 19, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 27
Views: 3293

Re: My Costco/TrueCar auto shopping experience

It's been a few yeas, but TrueCar was not a great deal. It also resulted in many high pressure phone calls from a participating dealer. My dad put a TrueCar quote in through USAA and there are dealers he will not even buy a 25 cent washer from. They kept calling and calling and calling. I learned f...
by Helo80
Tue Jul 18, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranty for a TV
Replies: 14
Views: 854

Re: Credit Card Extended Warranty for a TV

Thanks for the info. I spoke to someone at CapitalOne and they sent me to Card Benefit Services who run this for Visa. I've got to have somebody come and give an estimate on the price to repair the set. I've got an appointment set up and we'll see how this goes. Oh cool, did not see the update. Per...
by Helo80
Tue Jul 18, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranty for a TV
Replies: 14
Views: 854

Re: Credit Card Extended Warranty for a TV

Ok, I had the exact same experience with a TV I bought years ago. I paid about $180 with tax, and approximately 18 months after I purchased it, the picture died. It was the first-time I used my CC's EW as well. So, this was with a Chase Freedom card. Basically: 1. Called to make the report; very nic...
by Helo80
Tue Jul 18, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Not raising rent for 10 years in California
Replies: 16
Views: 1935

Re: Not raising rent for 10 years in California

I suppose if an owner fails to collect rent for 10 years..... but I mean, fails to raise rent assuming the lease is renewed at every specified period of time?

I think that you friend is confused, though I'm not a lawyer.
by Helo80
Tue Jul 18, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for $4 million - can I do all stocks?
Replies: 72
Views: 5282

Re: Investment advice for $4 million - can I do all stocks?

I don't know how I would even buy $4 million worth of index funds besides the obvious way to do it. I mean, do I buy $10,000 every day until the $4m is depleted? Do I buy on some random day on market close that just so happens to be a market high for the year and had I bought the day before, I would...
by Helo80
Tue Jul 18, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 27
Views: 3293

Re: My Costco/TrueCar auto shopping experience

I've never had a deal that was not significantly better than the TrueCar pricing. It's a joke. Correct. TrueCar is good at gauging roughly what a vehicle is being sold for in a market, but i've seen it be way off as well. Plus, USAA is going to want their piece of the action on TrueCar pricing, and...
by Helo80
Tue Jul 18, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 27
Views: 3293

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. SUV segment is doing very well so difficult, but not impossible. Plus, it can be entirely market dependent. Some market...
by Helo80
Tue Jul 18, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 27
Views: 3293

Re: My Costco/TrueCar auto shopping experience

Blink235 wrote:TrueCar is a sham. It will get you a fair but not good/great price. There's a reason that dealers are really eager to deal at the TrueCar price.



I agree.
by Helo80
Mon Jul 17, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4630

Re: $1368 for new shocks/struts on '05 Corolla?

OP here.... I got a complete suspension evaluation this week at pep boys for $20 (the Toyota dealership quoted me $135 for an evaluation). The suspension is fully worn down, and the mechanic suggested an immediate replacement. The strut boots are also torn and need replacement. Pep Boys quoted me $...
by Helo80
Sun Jul 16, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Reimbursed HSA expense?
Replies: 4
Views: 401

Re: Reimbursed HSA expense?

Just want to make it clear that the intention of this comment is not to go political and to discuss hypothetical legislation (as both are against the rules). However, the new healthcare law up for a vote.... one of the benefits being touted is expansion of HSAs such you would be able to pay healthca...
by Helo80
Sat Jul 15, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 94
Views: 4506

Re: What advice to give 21 year old?

Story time!!! I wish that I could, but I would literally be talking out of school. Let me say that for every kid who has benefitted from a trust fund, there are many more who are cautionary tales. It's an old story though. Oh I bet. Unfortunately, it's probably the same pitfalls that so many profes...
by Helo80
Sat Jul 15, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 94
Views: 4506

Re: What advice to give 21 year old?

If I recall correctly you have an 8 figure net worth and are looking at inheritances for you kids in 7 figure ranges. At this point we are talking about family money in one form or another, it is just a matter of when or how. So, I might consider recommending 100% global stock and self-insure his t...
by Helo80
Sat Jul 15, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Employee 401(k) Rollover for age 23 Investor
Replies: 13
Views: 705

Re: Employee 401(k) Rollover for age 23 Investor

I am learning that my human capital (my time being a part of it) is potentially worth more than being an active participant in my investment funds so a "set and forget" option you described above I am looking into as well as the higher risk Vanguard growth funds. From what you've said, I ...
by Helo80
Sat Jul 15, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Does pension change allocation of funds?
Replies: 30
Views: 2050

Re: Does pension change allocation of funds?

Bodacious wrote:I no longer believe that my pension is bullet proof....



I'm curious how other people in your department feel. CALPERS has been fascinating to watch from the sidelines.
by Helo80
Sat Jul 15, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3353

Re: what's your secrete to cleaning inside car windows?

Yeah, you're not supposed to use ammonia based cleaners (Windex) on tinted glass.

If you do not have tinted glass, Windex is fine.
by Helo80
Fri Jul 14, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or not to buy...
Replies: 18
Views: 1367

Re: To buy or not to buy...

The entire sedan segment is on sale right now due to poor sales. Hyundai has up to $6750 off the current Sonata. The large four door sedan market might get even worse, so who knows what deals could be had in a year. Yes, sedan sales are down while SUV sales continue to dominate. Sonata is also gett...
by Helo80
Fri Jul 14, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or not to buy...
Replies: 18
Views: 1367

Re: To buy or not to buy...

mortfree wrote:why wouldn't you finance through toyota financial services?

you could probably get a 0% or "lower than 2%" loan...



Not sure what TFS rates OP would be eligible for, but generally it's 0% OR $3500 cash back.

Right now, 0% with $1000 cash back .... OR $3500 cash back.
by Helo80
Fri Jul 14, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or not to buy...
Replies: 18
Views: 1367

Re: To buy or not to buy...

To be frank, 212K is a lot of miles on a car, and the more you drive said vehicle, the greater chance there could be a catastrophic failure of something that would effectively negate whatever value you might get in on a trade. The Pilot, even if the exterior is in show room quality (as if it just ca...
by Helo80
Fri Jul 14, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 58
Views: 6685

Re: % bogleheads of overall population

I can almost guarantee you that 99.5% of the population has no idea who Jack Bogle is or what a "boglehead" is.
by Helo80
Fri Jul 14, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: DirectTV Install
Replies: 14
Views: 915

Re: DirectTV Install

IIRC, the contract doesn't go into effect until the dish is mounted and everything is connected. The contractor will come out and verify that you can get a good signal before doing any mounting. You may have some ability to ask where it is placed, without paying a fee. Note that if it can be roof m...
by Helo80
Fri Jul 14, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: DirectTV Install
Replies: 14
Views: 915

Re: DirectTV Install

I just got done removing an unused dish. Our HOA was requiring that dishes be painted, and removal was the easier option. Rusted bolts make it tricky. Sounds like you're a nice person and had no need for a satellite dish. I guess merely painting the dish is not unreasonable. In typical IANAL fashio...
by Helo80
Fri Jul 14, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Employee 401(k) Rollover for age 23 Investor
Replies: 13
Views: 705

Re: Employee 401(k) Rollover for age 23 Investor

I am currently in undergraduate studies and will be hopefully pursuing graduate school. I come from an upper-middle-class background, so my tolerance for risk is high as I feel financially secure. My highest priority is obtaining the lowest amount of expenses and fees possible. How high is your tol...
by Helo80
Fri Jul 14, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7146

Re: Switch to federal job?

Just thought I'd throw in my 2 cents as a federal employee whom has worked in the private, quasi-private (government contractor), and public sector. I also listen to a lot of talk radio, and am fully aware of some of the caricatures of government employees that exist. That being said, I'm not so far...
by Helo80
Thu Jul 13, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4630

Re: $1368 for new shocks/struts on '05 Corolla?

A) Get a second opinion, maybe a free wheel alignment check that may find something off in the chamber or toe, and then get an alignment and a new set of tires only to have this problem happen in another 20K miles where we can revisit all these comments ...or... B) Get new shocks and struts, a whee...
by Helo80
Thu Jul 13, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4630

Re: $1368 for new shocks/struts on '05 Corolla?

You all are something else: https://www.reddit.com/r/MechanicAdvice/comments/4fi0bu/replacing_older_shock_and_struts_that_havent A shock that has 100K miles on it is likely no longer doing much for you. OP has two choices: A) Get a second opinion, maybe a free wheel alignment check that may find som...
by Helo80
Thu Jul 13, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4630

Re: $1368 for new shocks/struts on '05 Corolla?

Great post. All of the insight is inspiring me to make this overdue repair to my '06 Focus. Like OP, I was quoted over $1000 at my local mechanic. I just found a shade tree mechanic on craigslist, called a parts store, and the whole job will be around $650 ($200 for parts + $450 for labor). I reali...
by Helo80
Thu Jul 13, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4630

Re: $1368 for new shocks/struts on '05 Corolla?

My point is that I'm not sure you can "guarantee that you need new struts at 130k" with the information the OP has posted, unless you know that his initial repair estimate was based on a real evaluation of strut/shock condition. Sigh. OK let's break this down. The car is 12 years old. It ...
by Helo80
Wed Jul 12, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: AAPL stock history on eTrade/MorningStar
Replies: 4
Views: 214

Re: AAPL stock history on eTrade/MorningStar

Thanks so much for that info. I get the split but I am new to this. Now if someone bought the $600 stock before the split and the split happened, they then had 7 holdings worth $85 each. Is this is a good thing? each holding should be worth $85.71 Before the major use of mutual funds and computers,...
by Helo80
Wed Jul 12, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Ford discount for shareholders
Replies: 6
Views: 1881

Re: Ford discount for shareholders

I don't sell cars. But, from my understanding of the way dealers and buyers have described the X Plan is that the plan is "as is" and not a beginning point to begin vehicle negotiations. You take the price or leave it.

I'm not surprised that somebody got a better deal than X Plan.
by Helo80
Tue Jul 11, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 71
Views: 7659

Re: [Amazon Prime Day]

So... my Echo Dot shipped and I'm already having buyers remorse that big brother is going to be listening in on me and whether this was a good idea. I'm not talking about the government. I'm talking about a billion dollar company that wants to make money off of me.
by Helo80
Tue Jul 11, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12609

Re: Costco with a "gentle" bump for memebership

DSInvestor wrote:Do you buy gas at Costco? In our area, Costco gasoline is around 60-70 cents/gallon cheaper than gas stations.



I find that hard to believe. Not saying you're wrong, but Costco can only do so much.
by Helo80
Tue Jul 11, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4630

Re: $1368 for new shocks/struts on '05 Corolla?

1) Is this a reasonable price for full shock replacement? Or am I getting ripped off? Any places I can get it done cheaper? I can go for OEM shocks, but it might reduce the overall part cost by a few hundred dollars at best. I am assuming bulk of the cost is due to the labor involved. 2) This is my...
by Helo80
Tue Jul 11, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4630

Re: $1368 for new shocks/struts on '05 Corolla?

123 wrote:
aceoperations wrote:Hi All,

I was told that my shocks/struts are worn after 131k miles on my 05 Toyota Corolla.


In this situation I'd get a 2nd opinion.


I'm curious.... what made you say that? 12-13 year old car with 131K miles on (potentially) original shocks is well beyond said parts life expectancy.
by Helo80
Tue Jul 11, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4630

Re: $1368 for new shocks/struts on '05 Corolla?

If only the spring or strut needs to be replaced, it's a lot cheaper, but looks like a dangerous life-risking procedure I wouldn't attempt. Probably comparable to replacing garage door springs. Pay someone to risk their fingers (hopefully they're far more experienced and will not lose them, but if ...
by Helo80
Tue Jul 11, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4630

Re: $1368 for new shocks/struts on '05 Corolla?

A quick glance at RockAuto indicates that it's about a $300 job for parts.... I'd do the KYB fronts and rears ($63 ish per unit) as KYB is a big OEM supplier for Honda (and I assume Toyota). So, about $250 right there in parts, and then another $50 in misc tools, screws, and other consumables for wh...
by Helo80
Tue Jul 11, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 71
Views: 7659

Re: [Amazon Prime Day]

This year, the stuff seems to be stuff I would actually buy outside of a regular Prime Day. In yesteryears, it's plainly apparent Amazon was running a yard sale on old inventory.
by Helo80
Tue Jul 11, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 71
Views: 7659

Re: [Amazon Prime Day]

Nothing too crazy of a deal that I can see...

Picked up an Echo Dot for $35 to test it out.
Bought another 20,000 mah external battery to replace a unit I have that I believe has a cell or two going out on it and is not easy to user service.
by Helo80
Mon Jul 10, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Which investment account and brokerage should I choose?
Replies: 21
Views: 1042

Re: Which investment account and brokerage should I choose?

Maybe the vanguard total stock fund? I think it's VTI You'll never "beat the market", but you'll never do worse than the market either. Look up Warren Buffet's $1 million dollar charity bet with a respected hedge fund manager. Warren Buffet said "my boring S&P 500 index fund will...
by Helo80
Mon Jul 10, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Which investment account and brokerage should I choose?
Replies: 21
Views: 1042

Re: Which investment account and brokerage should I choose?

Thank you very much! I really appreciate this advice! When you say go all stocks, are you saying just pick individual equities or find an all equity fund? I do have a schwab brokerage account which only has Apple in it. But I would like to invest in a fund so I get immediate diversification. If tha...
by Helo80
Mon Jul 10, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Which investment account and brokerage should I choose?
Replies: 21
Views: 1042

Re: Which investment account and brokerage should I choose?

Vanguard: I am considering going with a brokerage account to start and invest in the 2055 target retirement account. I love how vanguard is low cost and they have a great reputation. I don't like that it isn't face to face unless I were to be investing a minimum of $50,000. That being said, is this...
by Helo80
Mon Jul 10, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Which investment account and brokerage should I choose?
Replies: 21
Views: 1042

Re: Which investment account and brokerage should I choose?

FYI -- you're about to be bombarded with people saying run for the hills when it comes to EJ and NWM. :sharebeer
by Helo80
Mon Jul 10, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 4329

Re: Dave Ramsey's advice on investing?

Here's a Ramsey rant I found on youtube (that I found when I did a search on this forum). Dave says its just "math nerds" who get caught up in the issue with fees. He gets quite upset when discussing this. https://www.youtube.com/watch?v=mHkXjEOQ7aU&list=UU7eBNeDW1GQf2NJQ6G6gAxw Good ...
by Helo80
Mon Jul 10, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7146

Re: Switch to federal job?

If it was the utopia some claimed it to be, you'd have 100% retention, right? Why retire if you make tons of money, take all the time off you want, there are no expectations and have no stress? But that just ain't the case, and it's worth asking why (and to preempt other nonsense, no you don't get ...
by Helo80
Mon Jul 10, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 6786

Re: how to destroy hard disk with personal info

Any COTS program that writes random data or zeroes out the drive is going to do the job. Physical damage may make you feel better, but unless you're a HVT to a nation state, most would not bother spending time/resources looking at your drive (including Russia and China).
by Helo80
Mon Jul 10, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - increase in compensation but also much longer commute
Replies: 24
Views: 1541

Re: Job opportunity - increase in compensation but also much longer commute

That's more than 14.5 (!!) 40-hour work weeks per year, sitting in your car, not getting paid, just to get back and forth to work. That's about 3 and half months per year of extra effort! Put differently, assuming a 40-hour work week, that's an extra 28% of effort, above and beyond your actual job,...
by Helo80
Mon Jul 10, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - increase in compensation but also much longer commute
Replies: 24
Views: 1541

Re: Job opportunity - increase in compensation but also much longer commute

So, from what you said, I’ve been in similar situations before s…. 1. All the company’s lies to you (or at least, how YOU perceive them since perception is reality) are only going to snowball in your eyes. Every email or comment leadership says will be a positive reinforcement to whatever the realit...
by Helo80
Sun Jul 09, 2017 6:37 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 4329

Re: Dave Ramsey's advice on investing?

The main problems with daves advice imho: Use a manager to help you pick funds that will outperform. (This will probably result in fees around 2%). No bonds because they underperform Expect to to get a 12% return on your investments You can withdraw 8% a year from your retirement accounts In additi...

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