Search found 469 matches

by fandango
Sun Dec 31, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3700

Re: Car headlights or Daytime Running Lights - what do you do?

Although I can turn them off, I leave DRL's on all the time.

Any hint of cloudiness, precipitation or darkness , the headlights go on manually. I do not rely on automatic light system.
by fandango
Wed Dec 20, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 2948

Re: Fuel Additives for 2017 Toyota Camry

FINAL UPDATE:

I just heard back again from Toyota He said: "Fuel additives are neither required nor recommended for your 2017 Toyota Camry. Period."
by fandango
Mon Dec 18, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 7393

Re: New job offer - background check

Your previous employers did not seem to have a problem with your background when they hired you. Find someone to do a complete background report on you. The cost is probably less than $50. Don't go through life worrying about something that may not be a realistic fear. Do your own background check.
by fandango
Sat Dec 09, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 3860

Re: Danger of being a helicopter pilot?

My nephew is in the Georgia National Guard and was recently accepted into the helicopter pilot program. Apparently, it is quite competitive and only 10% of applicants are accepted through the initial screening. I believe the actual training program lasts one year if you get that far. Although, the t...
by fandango
Fri Dec 08, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 2948

UPDATE: Fuel Additives for 2017 Toyota Camry

I got a quick reply from Toyota. They called to ask me some more questions about my email. They said that "no gasoline additives were required for my vehicle" and that Toyota USA would be following up with the dealer. Whether this will do any good or not remains to be seen. I was impressed, however,...
by fandango
Fri Dec 08, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 2948

Re: Fuel Additives for 2017 Toyota Camry

The owner's manual only says to use "top tier" gasoline with at least a rating of 87 octane. I use Exxon so quality of gas is not an issue. I have an email into Toyota USA asking the same question that I have asked here. I will let you know what they say. I will probably be taking my business to ano...
by fandango
Thu Dec 07, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 2948

Fuel Additives for 2017 Toyota Camry

I just had my first 5000 mile maintenance at a Toyota dealership. Part of my free maintenance foe 2 years/24,000 miles. The service technician said that I should add a gasoline additive to my 2017 Camry every 6 months. He said that ethanol could separate from gasoline interact with bacteria and caus...
by fandango
Sun Oct 01, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax Liability
Replies: 13
Views: 1931

Re: Equifax Liability

by fandango
Tue Sep 26, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Liability
Replies: 13
Views: 1931

Equifax Liability

I just found out that I was on the Equifax list of those possible "impacted" by the data breach. In July , my credit card number was used in Istanbul Turkey to purchase $180 of various goods. I haven't been there for 20 years. I had to get a new credit card, change all the accounts where I use my cr...
by fandango
Tue Sep 19, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental - BCBS vs United Healthcare
Replies: 6
Views: 679

Re: Medicare Supplemental - BCBS vs United Healthcare

Personal observation: Been with BC/BS for 5 years. Never had a single problem with claims administration. In fact, the only issue that I have ever had with Medicare was when the doctor's office mis-coded some procedures/visits. This was quickly corrected by Medicare and BC?BS once the received the c...
by fandango
Mon Jul 24, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 4284

Re: Home Security System with/without monitoring

I pay $179 per year for monitoring and get a $200 discount on my home insurance policy for having a monitored system. Check to see if you can get a discount from your insurance policy. We have only had one false alarm in 10 years. I was in Mexico, and my wife left the house to walk the dog and forgo...
by fandango
Sat Jul 22, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Career Advice
Replies: 19
Views: 1886

Re: Career Advice

My question for you:

Have you ever taught before? If not, how do you know that you would like it?

Why not shoot for a job in a small to medium size company and teach part-time to see how you will like it?

Teaching is not always what you think/dream it will be.
by fandango
Sat Jul 22, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 44
Views: 14981

Re: My Costco/TrueCar auto shopping experience

I use the True Value price as one of several benchmarks and go to the dealer with my target price. My most recent purchase was $2,000 below the True Value price with lots of other goodies thrown in (like free maintenance for 5 years, lifetime oil changes, window tinting, etc.). It was $500 dollars b...
by fandango
Wed Jul 12, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 8404

Re: Personal loan to a family member

We have loaned money to a relative in what we thought was "dire straits". One of our relatives lost his job, and our entire family loaned him money to help his family out. This continued for several years. Eventually he found work again. We have recently discovered he had significant property assets...
by fandango
Wed Jul 12, 2017 7:07 am
Forum: Investing - Theory, News & General
Topic: Investors flock to Vanguard funds, dump Goldman, Wells Fargo, and others
Replies: 35
Views: 3953

Re: Investors flock to Vanguard funds, dump Goldman, Wells Fargo, and others

I have invested with Vanguard for almost 45 years. My biggest concern about Vanguard is deterioration in customer service as the company gets larger. I have begun to see it in minor ways already: missed appointments with customer, failure to rapidly respond to technical questions, no continuity of k...
by fandango
Sat Jul 08, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 8751

Re: Switch to federal job?

When benefits are considered, federal jobs pay 30 to 40% more than the private sector. [OT comment removed by moderator prudent]

However, very difficult to get things done and get rid of poor performers. It can be very frustrating for former private sector with any initiative.
by fandango
Thu Jul 06, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 4512

Re: Buy a vehicle cash or finance?

Be sure to check all the fees with the 0% loan from Subaru. Sometimes a few things are added here and there (I have seen $2000) to get the loan.
by fandango
Thu Jul 06, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 47
Views: 5993

Re: Verizon- Why do they treat old customers worse?

I renegotiate my Comcast deal every year. I currently pay $129 for a bundle (telephone, internet, and HD TV). When the rate goes up, I call them that I would like to stay with Comcast, but the rate is too high. I compare it to a rate for a new AT&T customer. They cut the rate to where it was before ...
by fandango
Thu Jun 22, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 5245

Re: Turbochargers

What about the cost of maintaining the turbo? Surely that is a continuing expense if you own a vehicle with a turbo charger?

Knowing dealerships and garages, I am sure they want to check them out once per year at around $100 a pop to examine functioning, potential deposits, etc.
by fandango
Thu Jun 15, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 5245

Turbochargers

I have noticed a number of new cars that I am interested in now have turbochargers as standard equipment (eg. Honda CRV). Seems to be a trend in the auto industry.

What are the pro's and con's of turbochargers? Any comments on maintenance and reliability?

Thanks.
by fandango
Tue Jun 13, 2017 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 74
Views: 8914

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

Usually salary history information appears on the application somewhere. If not, a good recruiter will get that information over an initial telephone screening review. I was an HR Director for a large corporation for over 40 years and never saw the situation that you described. What if the peer pres...
by fandango
Wed Jun 07, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 131
Views: 16930

Re: GEICO auto rates vs. USAA: too good to be true?

I have had GEICO auto insurance for 45 years.

Every few years, I shop around and compare rates. No one has come close to beating GEICO. Usually they say they can't beat GEICO early in the conversation.

Customer service is great. Absolutely no problems.
by fandango
Sun May 21, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 10907

Re: Which Small SUV for 15 Year Reliability?

I have a Honda CRV, and it is keeper. My mechanics tell me the only issues are electronic - meaning all the stuff you don't use in the driver's compartment. I was considering a second CRV but a turbo is standard on the top end models. A non- turbo engine is available on the LX and EX. Most auto make...
by fandango
Tue Apr 25, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good long term care policy?
Replies: 11
Views: 1034

Re: Is this a good long term care policy?

Be sure to check out the issuing company and their financial stability. Many are struggling now. Your investment maybe for 20 or more years before you receive a benefit.

Recently, Genworth was acquired by a Chinese company. Not sure what that means for the future.
by fandango
Tue Apr 25, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 6396

Re: $300+ to remove a racoon. Really?

Check with your local animal control office. Usually they will loan you a wire cage trap, tell you how to bait it, and collect the critter when you catch it. I got a possum out of my crawl space that way. Used a piece of sardine for bait. Be sure to check out your crawlspace after the critter is gon...
by fandango
Mon Feb 20, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 4274

Re: Thinking of Leaving Vanguard Personal Advisory program

We have been with PAS for a couple of years and are well satisfied with what we get for 0.30% Our CPA works with a lot of trusts and medium to small investors. When I told him during our tax conference a few days ago that I used PAS to manage a large chunk of our money and that the fee was 0.30%, he...
by fandango
Wed Nov 23, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Apply for Medicare B in person or mail in forms?
Replies: 46
Views: 5020

Re: Apply for Medicare B in person or mail in forms?

I has a very good experience when I went to the SS office to apply for Part B. I had made an appointment and the agent was on time and fully answered my questions. Since then, I continue to be impressed with the people in our local SS office as well as the Medicare claims processors. Very well train...
by fandango
Wed Nov 23, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Company truck - Nissan Frontier vs. F-150
Replies: 19
Views: 2287

Re: Company truck - Nissan Frontier vs. F-150

Toyota Tacoma.

My friend has a plumbing business and owns three Tacomas. Each has 300,000 trouble free miles.
by fandango
Sun Oct 30, 2016 6:27 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Shipping Issues since move from UPS to USPS
Replies: 122
Views: 48781

Re: Amazon Prime Shipping Issues since move from UPS to USPS

I am an Amazon Prime customer and agree that delivery has suffered significantly since they started using the USPS. I recently ordered a book for a birthday present. It arrived in a cardboard box but the corners were bent and the book binding torn. Of course, I complained. Most recently I ordered an...
by fandango
Sun Oct 30, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Continue Whole Life Policy with LTC Rider or Self Fund?
Replies: 9
Views: 1383

Re: Continue LTC Policy or Self Fund?

I have had a Genworth policy for 15 years. One of the selling points was that they had never raised premiums on current owners in the history of the company. This year my premium was raised by 25%. Something must have been terribly wrong with their actuarial numbers or other assumptions. See the tro...
by fandango
Mon Oct 24, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: My recent car buying experience.
Replies: 13
Views: 1939

Re: My recent car buying experience.

Document fees are pure profit for the dealer.

I make sure it is included in all "out the door" prices that I get. I have seen them range from $299 to $699 in this area.

Then, I start negotiating.
by fandango
Fri Oct 14, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Help - Anybody use Vanguard Advisory Service?
Replies: 5
Views: 963

Re: Help - Anybody use Vanguard Advisory Service?

I have used PAS for a year and will try to answer questions: - I have seen no "churning". I have a 50/50 allocation, and since the bond and stock portions have appreciated at approximately the same rate, no rebalancing has been required. Rebalancing will be discussed before it is executed. - The adv...
by fandango
Tue Oct 11, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Rotten Floors & Damp Crawlspaces
Replies: 35
Views: 3003

Re: Rotten Floors & Damp Crawlspaces

You can install the French drains yourself. If you are physically able to dig the trench and don't mind spending a lot of time in the crawl space. Basically it is a 5 or 6 inch trench round the edges of your crawl space with gravel in the bottom and slotted pipe to collect the water and drain it out...
by fandango
Mon Oct 10, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: Do we need annual furnace exam?
Replies: 26
Views: 3601

Re: Do we need annual furnace exam?

You can get a maintenance contract fairly cheaply. Usually includes discounts on non routine repairs.
by fandango
Mon Oct 10, 2016 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Medicare application
Replies: 6
Views: 789

Re: Help with Medicare application

Best to go to the office in person. My wife and I have them to be helpful and courteous.

Bring all you stuff so that you can get this done in one trip.
by fandango
Tue Oct 04, 2016 7:29 pm
Forum: Forum Issues and Administration
Topic: weather watch [Hurricane Matthew, potential site impact]
Replies: 27
Views: 3700

Re: weather watch

I've been through one hurricane.

No damage to my home, but local infrastructure was wiped out.

No electricity or cable. Could not buy gasoline because electricity powered the pumps. Many primary and secondary roads blocked by fallen tress and stalled cars.

You are in my prayers, mingstar.
by fandango
Thu Sep 22, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 4100

Re: Companion Dogs for an older person

Many organizations promoting a particular dog breed run an adoption center for dogs of that breed. In many cases, the dog's owner has died, the dog owner realizes that they cannot maintain the dog (physically or emotionally), the dog is a runaway, etc. The advantages of getting a dog this way is tha...
by fandango
Sat Sep 17, 2016 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Personal advisor services
Replies: 11
Views: 1499

Re: Personal advisor services

I have been managing my investments for 50 years. Pretty successfully. As I approach 70, my reason for using PAS was to provide an advisor for my wife if something were to happen to me. I would rather select the advisor now than subject her to that decision making and all the crooks out there. My wi...
by fandango
Mon Sep 12, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 5155

Re: Toyota, Honda, Nissan or Chrysler Minivan?

My sister had a Dodge Caravan.

The transmission failed and was replaced 4 times under warranty . Just drove the vehicle around town and the occasional 500 mile trip to visit relatives.

She got rid of it at 35,000 miles just before the warranty expired.

Go with the Toyota or Honda.
by fandango
Thu Sep 08, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Emergency SmartPhone for a 90+ year old
Replies: 41
Views: 3305

Re: Emergency SmartPhone for a 90+ year old

Take her down to Verizon and let her look at some phones. She will know what she can handle.
by fandango
Tue Sep 06, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: "Letter of Final Instructions"
Replies: 45
Views: 9477

Re: "Letter of Final Instructions"

We have something similar called our "bucket book", it has many of the things listed on your list. You gave us some ideas on some things to add to the book. We also showed our potential executors the location of the book to help them find it easily. I'm not sure that any one would want my ...
by fandango
Sun Aug 28, 2016 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Career Counseling for Teens
Replies: 34
Views: 2685

Re: Career Counseling for Teens

If you don't take the full load of math (Algebra 1, Algebra 2, Trigonometry, Calculus, etc.), and science (Chemistry, Physics, Advanced Physics) in high school, you will probably not get into an engineering school, let alone survive there. The curriculum and competition is intense. To get the educat...
by fandango
Sun Aug 28, 2016 7:26 am
Forum: Investing - Theory, News & General
Topic: Retirees Saying No To The Market
Replies: 57
Views: 8898

Re: Retirees Saying No To The Market

I really depends on whether you need to take risk that is part of the stock market.

If you have enough assets and income (SS, pension, etc.), you could live quite comfortably on the additional income of CD's.

Also, no anxiety about losses.
by fandango
Fri Aug 26, 2016 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: international bond funds
Replies: 14
Views: 1442

Re: international bond funds

I know this is short term, but the Total International Bond Index has only been around a year or so:

Total Bond Index YTD: 5.72%, 1 year: 6.00%

Total International YTD: 6.91% 1 year: 7.57%
Bond Index
by fandango
Fri Aug 26, 2016 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 71
Views: 10199

Re: Vanguard's so so customer service

We have never had a problem with Vanguard service.

In my view, Fidelity service is far worse. Always a sales pitch when you are dealing with them. Main reason I moved all my investments to Vanguard.
by fandango
Fri Aug 26, 2016 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor
Replies: 12
Views: 2052

Re: Vanguard Personal Advisor

We decide to use VPA late last year for the same reasons as abuss368. We have been very pleased with the level of service that our personal advisor provides. We have had some complex questions that he has addressed quickly and efficiently. Most importantly to me, my wife likes him a lot and feels ve...
by fandango
Wed Aug 24, 2016 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Career Counseling for Teens
Replies: 34
Views: 2685

Re: Career Counseling for Teens

Career counseling is pretty much neglected in our society. For example, most parents automatically encourage their children to get a 4 year college degree. However, most new jobs created require an associate degree (HVAC, auto technician, medical technician, respiratory therapist, etc.). It is sad t...
by fandango
Tue Aug 23, 2016 5:21 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses Problem - how to fix? Any Opticians Out There?
Replies: 30
Views: 3418

Re: Eyeglasses Problem - how to fix? Any Opticians Out There?

I agree with the previous posters.

Even worse than not getting the lens that you want, is the failure to measure pupil height. That's a basic part of fitting your classes.
by fandango
Tue Aug 16, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 24300

Re: AAA Car Batteries

A strange thing that I discovered when replacing a 2004 Toyota Camry battery at a small auto shop. If power is cut off completely during the battery change, the Camry loses all of its engine settings and you have to drive for a few days before the computer "learns" your driving patterns an...
by fandango
Wed Aug 10, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare career advice – Admin or NP?
Replies: 16
Views: 1890

Re: Healthcare career advice – Admin or NP?

Talk with someone who has gone the administration route and find out the pro's and con's from them.

Most importantly figure out what you want to do. Why did you get an MBA unless you wanted to get in administration?