Search found 376 matches

by NHRATA01
Wed Sep 28, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 2748

Re: 2016 Murano or 2016 Acura MDX

Buy the one that doesn't require premium fuel, which is certainly not going to be the Acura. This will save you hundreds or thousands over the life of the car. There's no reason to design a car that requires premium fuel, unless it's a sports car. With the move to higher output smaller displacement...
by NHRATA01
Thu Sep 22, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 2665

Re: Audi Service Dealership Cost too high? Where should I take it?

Ok so looking it up, the Q5 hybrid uses the 8-speed tiptronic. This is the ZF 8HP 8-speed, which is used in a variety of BMW's and Benz's, but also the run of the mill Chrysler 300, Dodge Charger/Challenger, Ram and Durango/Jeep Grand Cherokee. Interestingly enough, a cursory look around the BMW for...
by NHRATA01
Thu Sep 15, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 40
Views: 4671

Re: Purchase '98 Toyota Camry?

One concern with a car of that age is the lack of modern safety features. However, late model Camrys are much more expensive. I am satisfied, on balance, with the safety/risk of that era cars. Yeah a couple downsides: -No side airbags. -No electronic stability control (ESC). -Depending on model, no...
by NHRATA01
Mon Sep 12, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 2748

Re: 2016 Murano or 2016 Acura MDX

I believe the Murano still has the CVT which hasn't been known to be the greatest in terms of livability and reliability. The Acura will hold it's value a bit better and Honda tends to be a more reliable make than Nissan. You will also likely get better mileage with the FWD over the AWD. IMO AWD is ...
by NHRATA01
Mon Sep 12, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: 2006 mazda miata for daughter, 42k miles, $10k?
Replies: 64
Views: 4112

Re: 2006 mazda miata for daughter, 42k miles, $10k?

Well, it's worth considering that the possibility of accident avoidance goes up with such a great handling and braking vehicle. Being that young women drivers tend to be much more conservative than young men, I hardly think she's going to be driving at 9/10ths through every local tail of the dragon-...
by NHRATA01
Mon Aug 29, 2016 8:52 am
Forum: Investing - Theory, News & General
Topic: Outlook on oil
Replies: 53
Views: 3288

Re: Outlook on oil

Pure fun and speculation, not investing strategy, but my thoughts: I have a hard time being bearish on oil over the long term. We really still haven't moved away from fossil fuels as much as we like to think. US fleet average has actually dropped thanks to the resumption of CUV/SUV purchases with lo...
by NHRATA01
Fri Aug 26, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Where to mount winter tires?
Replies: 31
Views: 2168

Re: Where to mount winter tires?

I'm fascinated about the winter tire thing. Where do you all store them? I read that for best practice you should store them in airtight bags in a climate contrlled space. I just don't see a set of 4 wheels fitting anywhere in my house. Maybe its a neat decor idea for our boys room though... I don'...
by NHRATA01
Tue Aug 23, 2016 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1168

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable. I am in NY. I did some internet searching and everyth...
by NHRATA01
Mon Aug 22, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1168

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable. I am in NY. I did some internet searching and everyth...
by NHRATA01
Fri Aug 19, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1168

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable.
by NHRATA01
Wed Aug 10, 2016 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds necessary for young investors?
Replies: 58
Views: 3351

Re: Are bonds necessary for young investors?

I find the value at 36, to be twofold. 1) to blunt the impact of market corrections (I still watched my portfolio drop by over 50% in '08 and '09 with a 20% bond allocation) 2) to have something to re balance from. Bonds tend to run up when the market tanks. If you're sticking to say, an 80/20 alloc...
by NHRATA01
Wed Aug 10, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 50
Views: 8007

Re: Anyone have A/C fail on an older Honda CRV?

Our 2004 CR-V blew the compressor at about 60k miles. The dealer we brought the vehicle from covered the parts under warrantee and labor was in the $400 range. The only other non standard item that I had replaced was the oxygen sensor in the fuel system. Talking to the mechanic I may have been the ...
by NHRATA01
Tue Aug 09, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 50
Views: 8007

Re: Anyone have A/C fail on an older Honda CRV?

I never dreamed fixing the A/C was one of the most expensive auto repairs there is. I'm wondering where it falls on the list of major $$ repairs -- right behind a rebuilt engine? It's only cool AIR for geez sake! The evaporator is buried in the dash and on most cars necessitates dismantling the das...
by NHRATA01
Tue Aug 02, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 3074

Re: anyone own a stingray corvette? how do you like it?

Have you considered cross shopping a '16+ Camaro SS? 95% of the performance, ~66% of the price and a bit more practicality and comfort. Trust me in that they are far from the oxcarts of years past. Agreed. I'm actually surprised GM allows the Camaro to be so competitive with the Corvette. Pick your...
by NHRATA01
Mon Aug 01, 2016 3:06 pm
Forum: Investing - Theory, News & General
Topic: Edelman on Muni's
Replies: 29
Views: 2171

Re: Edelman on Muni's

Possibly broaching the scope of this board here, but I'd have to think there would not be a good motivation for the federal government to remove the tax exempt status of munis - doing so would certainly ding the demand for municipal debt and make it harder for municipalities to secure financing. You...
by NHRATA01
Mon Aug 01, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 3074

Re: anyone own a stingray corvette? how do you like it?

Have you considered cross shopping a '16+ Camaro SS? 95% of the performance, ~66% of the price and a bit more practicality and comfort. Trust me in that they are far from the oxcarts of years past.
by NHRATA01
Mon Aug 01, 2016 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Investing help for high dual income family
Replies: 8
Views: 1579

Re: Investing help for high dual income family

Just a couple clarification points/questions... Perhaps a typo, but max deferment for '16 is now 18K, not 17k. I see you say you are maxing your 403/457 each. Are you aware that if you are eligible for both plans as an individual, you can max 18k in a 403 and another 18k in a 457 for the same person...
by NHRATA01
Mon Aug 01, 2016 7:10 am
Forum: Investing - Theory, News & General
Topic: Edelman on Muni's
Replies: 29
Views: 2171

Re: Edelman on Muni's

What's the logical reason for him thinking the federal (and state BTW) exemption will be rescinded? Is this a pie in the sky scenario or has this been raised in our recent circus we call the election? I hadn't ever seen it suggested but certainly could be something I missed.
by NHRATA01
Thu Jul 14, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 42
Views: 4176

Re: Yahoo Finance redesign

I'm with you, can't stand the new design. I'm sure it was geared towards ad revenue since Yahoo in general is in the toilet and they're trying to sell the company. CNNMoney likewise went to the dumps about a year ago. These are cases where going back to the 1996 version of a basic financial news pag...
by NHRATA01
Thu Jul 07, 2016 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Best Online Broker - Fidelity- According to Kiplinger's
Replies: 10
Views: 903

Re: Best Online Broker - Fidelity- According to Kiplinger's

I think most on here will acknowledge that from a pure "brokerage" standpoint, Vanguard isn't the best. In other words if you plan to trade, you are probably better using Fidelity, eTrade, Ameritrade, etc. I've been very happy with Ameritrade for a number of years. What Vanguard is ideal f...
by NHRATA01
Thu Jul 07, 2016 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Employer contribution-yearly vs biweekly
Replies: 13
Views: 1041

Re: Employer contribution-yearly vs biweekly

The disadvantages to the employee are advantages to the company. They've certainly weighed these options and it's highly unlikely you're going to change anyone's mind. And since that system is already in place, it's additional cost for them to change it. You'd need to make an exceptional business c...
by NHRATA01
Thu Jul 07, 2016 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Employer contribution-yearly vs biweekly
Replies: 13
Views: 1041

Re: Employer contribution-yearly vs biweekly

I don't think you're going to convince them to change. By paying the match annually instead of weekly like most companies, they save money by not having to pay anyone who leaves the company prior to the March match payout. At companies with high turnover, this can be a very substantial amount of mo...
by NHRATA01
Wed Jul 06, 2016 6:34 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8724

Re: synthetic oil changes

Not directed at anyone in particular (far from it, my eyes glaze over,) but, would you really trust "some guys on the internet" to tell you when to change your oil, and with what, when the owner's manual is clear on it? This never ceases to amaze me. I would not dispute that the owner's m...
by NHRATA01
Tue Jul 05, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8724

Re: synthetic oil changes

3K OCI's is definitely a thing of the past. However I've not been convinced 10K plus (particularly on non-synthetic) is a good idea either. If you want my more general advice, I would say this for a vehicle with years of desired longevity - on a modern direct-injected vehicle (particularly turbocha...
by NHRATA01
Tue Jul 05, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8724

Re: synthetic oil changes

3K OCI's is definitely a thing of the past. However I've not been convinced 10K plus (particularly on non-synthetic) is a good idea either. As I've referenced on this forum before, the "PhD's" and "highly experienced automotive engineers" aren't infallible either. GM has had TSB'...
by NHRATA01
Wed Jun 29, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Complicated Situation with Father (Future Care)
Replies: 10
Views: 1370

Re: Complicated Situation with Father (Future Care)

AFAIK, Medicare does not cover anything unless you first have 3 admitted days (calendar days?) in the hospital. Then it may depend on whether you are improving or some such restrictions. If he is a veteran, there may be some help there as well. There is a very recent thread on a similar topic that ...
by NHRATA01
Wed Jun 29, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Complicated Situation with Father (Future Care)
Replies: 10
Views: 1370

Re: Complicated Situation with Father (Future Care)

My father passed a month ago at 70, after living alone probably a little longer than he should've (which only hindsight revealed to me) and taking a fall in January, then spending 5 months in nursing/rehab facilities. Here's some things I learned that may help. You absolutely need to get his power o...
by NHRATA01
Thu Jun 16, 2016 10:05 am
Forum: Investing - Help with Personal Investments
Topic: getting married/divorced- affects on portfolios, IRAs etc?
Replies: 16
Views: 1374

Re: getting married/divorced- affects on portfolios, IRAs etc?

Suppose 'Bob' works and contributes to an IRA at work. Then in his 40's when he has a substantial balance built up, he gets married. 2-3 years after marrying, he ends up divorcing (for whatever reason). Question is: is his spouse entitled to 1/2 of his IRA if he contributed all the funds in it to b...
by NHRATA01
Wed Jun 15, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Opportunity for getting awayfrom Metlife with no surrender charges due to broker-dealer of record change?
Replies: 4
Views: 647

Re: Opportunity for getting awayfrom Metlife with no surrender charges due to broker-dealer of record change?

I'm curious, is there any way once doing a 1035 to a Vanguard annuity, can you somehow transfer the account away from an annuity and to a typical tax deferred account, IRA or rollover to a 401/457/etc? What are the options to get out of an annuity plan? Long story short I ended up setting up a 403b ...
by NHRATA01
Mon Jun 13, 2016 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: investing in platinum
Replies: 19
Views: 1747

Re: investing in platinum

Do this first. Go to Apmex and click on historical charts on the right. Click 5 year. Realize that ignoring inflation, an investment in platinum 5 years ago is worth half today. At the top of the chart, click gold. Click 5 year again as it reverts to 6 months. Gold did better, only dropping from $1...
by NHRATA01
Mon Jun 13, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 3352

Re: 3 Row SUVs - Help Educate Me

Regarding the Acadia, be aware the "old" large '16 Acadia is available for a couple more months concurrently with the "new" '17 Acadia which has shrunk notably in size. I believe the new Acadia has an option for a 3rd row but quite cramped in size vs the older model. Don't ask wh...
by NHRATA01
Tue Jun 07, 2016 1:38 pm
Forum: Investing - Theory, News & General
Topic: Utility Stocks - Why doing so well?
Replies: 21
Views: 2426

Re: Utility Stocks - Why doing so well?

jhfenton wrote:I agree. I would guess yield-chasing.

I would think yield chasing, but I would also think utilities are probably having slightly better profit margins now with natural gas and coal prices being extremely low.
by NHRATA01
Mon Jun 06, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 4048

Re: Best AWD Sedan/Coupe?

AWD certainly helps with snow handling. If you know what you are doing with the throttle, you can keep the front end from plowing as it will on a FWD car, and most definitely keep the tail from coming around on you on a RWD. As for stopping, little will help you there other than allowing plenty of s...
by NHRATA01
Mon Jun 06, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 4048

Re: Best AWD Sedan/Coupe?

Have you considered a Buick Regal? A fully loaded AWD GS, you can probably get into for mid-high 30s, or a couple grand less for the non-GS models (which incidentally have the same engine). If you were looking at Cadillacs, I'm assuming that was the ATS. Regal will be 10-15K cheaper equally equipped...
by NHRATA01
Tue May 31, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Non-Spouse Inherited IRA RMD clarification
Replies: 1
Views: 227

Non-Spouse Inherited IRA RMD clarification

Hello, Hoping for a little clarification on RMD rules. My father turned 70 1/2 in January and passed this May. By coincidence of timing, only days before he passed I had withdrawn $10K to prepare to begin making nursing home payments, which did not come to pass. That was the only amount withdrawn fr...
by NHRATA01
Fri May 20, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Food waste because of date labeling
Replies: 26
Views: 1763

Re: Food waste because of date labeling

I have a problem with DW on this. She insists the 'sell by' date on packages means 'eat by'. As do I, and not just food. I've had to make a hidden stash of OTC allergy/pain meds just because she'll toss a bottle of Advil after it's sell by date. Smell/sight test is good enough for me with taste as ...
by NHRATA01
Fri May 06, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: What is considered Inside information?
Replies: 39
Views: 2469

Re: What is considered Inside information?

What is making her want to buy the stock? If you answer something like "because our daughter works there and she hears things in the company are going to turn around" you've entered dangerous territory. That's still really vague. Realistically any company going through difficulties is goi...
by NHRATA01
Wed May 04, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: MLM supplement friends, neighbors
Replies: 12
Views: 1334

Re: MLM supplement friends, neighbors

A firm "Thanks but I'm not interested". The product may even be decent. That's not the problem. If you buy from them, you'll get the never ended pitch to "join their team", filled with stories about being debt free, your own boss, running your own business, etc etc. While the rea...
by NHRATA01
Mon May 02, 2016 7:25 am
Forum: Personal Consumer Issues
Topic: Advice on 'LifeLock'
Replies: 6
Views: 822

Re: Advice on 'LifeLock'

I think the kicker for me was when the CEO had his information stolen a dozen times!
by NHRATA01
Mon May 02, 2016 7:07 am
Forum: Investing - Help with Personal Investments
Topic: New job, rolling over 401K
Replies: 11
Views: 961

Re: New job, rolling over 401K

Similar to the 3rd post and point #3, I have to ask if rolling it into an IRA is the best option. First would be to consider the quality of the existing 401K and future 401k, with respect to expenses and fund availability. I switched employers last summer but previous employer was a Fortune 20 with ...
by NHRATA01
Thu Apr 28, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2356

Re: End of life situation and handling IRA

Just an update - again profuse thanks for all replies and assistance. I did the most logical thing at long last, of course, which was to call Fidelity and they were most helpful, and maybe this information will be useful to someone in the future. They do have POA forms online to print, there is a sp...
by NHRATA01
Thu Apr 28, 2016 9:38 am
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2356

Re: End of life situation and handling IRA

There have been valid concerns in these posts but also some misinformation. Many of your issues are state specific. So even though the posters answers may be accurate in their state, they may not be accurate in yours. Both POA's and probate laws are state specific. Several states now have a standar...
by NHRATA01
Thu Apr 28, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2356

Re: End of life situation and handling IRA

Can you arrange for his RMD to be distributed now, and use some of those funds to prepay funeral expenses for him? This is what I would ideally like to do, to make a distribution to his checking account in preparation of funding expenses, whether they be for funeral or long term/end of life care. H...
by NHRATA01
Thu Apr 28, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2356

Re: End of life situation and handling IRA

I am executor of his estate from past knowledge of his will as mentioned in discussion, but have yet to find a copy This is critical. While you dad is still cognizant, find out if he has a will and where it is. Perhaps with the attorney who drafted the will. If no will, his separated wife will prob...
by NHRATA01
Wed Apr 27, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2356

End of life situation and handling IRA

My 70 year old father has been in poor health for sometime, and while the news changes every day I'm potentially faced with an end of life situation over the next few months due to cancer. I could use some guidance about how to handle his IRA, things that aren't easily found in a google search. Here...
by NHRATA01
Mon Apr 25, 2016 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Municipal Bond Funds
Replies: 66
Views: 7954

Re: Total Bond vs Municipal Bond Funds

If I were in your situation, I would buy CDs (check depositaccounts.com) because they have a higher expected yield than government bond funds right now and you can potentially break the CD if interest rates go way up. I second the idea of using CDs, perhaps with a portion of your fixed income in a ...
by NHRATA01
Wed Apr 13, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance?
Replies: 38
Views: 4575

Re: Preventative car maintenance?

Trying to decide if/when to do timing belt and water pump replacement on '98 Camry 6 cyl with 73,000 miles. Bought if privately (from longtome friends) last year. They bought it as demonstrator in 1998 and put few miles on it and took good care of it. Are there any "warning signs" of eith...
by NHRATA01
Wed Apr 13, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance?
Replies: 38
Views: 4575

Re: Preventative car maintenance?

I would like help maintaining a 2006 RAV4 with 150k miles. There is conflicting information online that also doesn't agree with the scheduled maintenance guide (which ends at 120K miles). Specifically brake fluids, which many sources say never needs replacing ir flushing but only inspecting, but ot...
by NHRATA01
Wed Apr 13, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance?
Replies: 38
Views: 4575

Re: Preventative car maintenance?

If it happens on the freeway it could be very dangerous. You lose most steering control when it happens. Not to say you should neglect the serpentine belt, but losing power steering should not result in loss of control- especially at highway speeds where the power steering boost isn't really needed...
by NHRATA01
Thu Apr 07, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Concrete or Asphalt driveway?
Replies: 35
Views: 2991

Re: Concrete or Asphalt driveway?

We had asphalt when we lived in Upstate NY. I had to seal it every few years and it did crack a bit and settle in spots. I didn't know anyone who did not have asphalt. In Michigan, everyone in our neighborhood has concrete. We have owned our home for 25 years and have never done an ounce of mainten...

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