Search found 451 matches

by fandango
Thu Jun 22, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 3673

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: 3673

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: 67
Views: 5649

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: 12030

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: 8126

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: 766

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: 5082

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: 3827

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: 3970

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: 1866

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: 113
Views: 36837

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: 1222

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: 1741

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: 865

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....
by fandango
Tue Oct 11, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Rotten Floors & Damp Crawlspaces
Replies: 35
Views: 2518

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: 3263

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: 670

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: 3311

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: 3638

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: 1356

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: 4814

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: 3002

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: 7864

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: 2489

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: 8242

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: 1267

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: 9782

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: 1859

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: 2489

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: 3061

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: 18346

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: 1708

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?
by fandango
Wed Aug 10, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 5612

Re: Talking about the Bogleheads approach with non-Bogleheads

My approach is similar.

Unless someone asks me about investing and is a close friend, I don't say anything to them about how I invest.

Like politics, I have found that people who I like may have completely different opinions.

Friends are more important than winning a political or investing debate.
by fandango
Sun Aug 07, 2016 5:52 am
Forum: Personal Consumer Issues
Topic: Blocking robot calls.
Replies: 61
Views: 5749

Re: Blocking robot calls.

I would say that about 70% of the calls we were getting were from about 10 numbers. I am blocking each one and slowly the calls are going away.

The worst time period for us was during the primaries. We were receiving 5 or 6 calls a day. From 9:00 AM to 10:00 PM.
by fandango
Sat Aug 06, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: has anyone wished they worked one or two more years
Replies: 76
Views: 7518

Re: has anyone wished they worked one or two more years

I have been retired 6 years and am glad I did.

I had a job where I was on call 24X7 for almost 40 years. I had enough of that!

Once I retired, I realized how little time I have left. Maybe 20 years or less? I want to use this time wisely.
by fandango
Sat Aug 06, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to send the direct rollover check to Vanguard?
Replies: 35
Views: 4338

Re: What is the best way to send the direct rollover check to Vanguard?

I would call Vanguard and ask the best way to deliver the check.

I have found them to be very helpful.
by fandango
Sat Aug 06, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Blocking robot calls.
Replies: 61
Views: 5749

Re: Blocking robot calls.

Just bought a Panasonic cordless phone this week on Amazon. Base phone and two additional hand phones cost $69. So many features that I have yet to figure them all out. One feature we required was call blocking. The Panasonic cordless phone can block 50 numbers. We have tried it a couple of times, a...
by fandango
Sat Aug 06, 2016 12:43 pm
Forum: Investing - Theory, News & General
Topic: International Bond Debate
Replies: 16
Views: 1559

International Bond Debate

We have discussed the appropriate allocation to international bonds quite a bit over the last couple of years. Here's the updated white paper from Vanguard that thoroughly discusses the case for some international bonds in your portfolio. https://personal.vanguard.com/pdf/icrifi.pdf It requires one ...
by fandango
Fri Aug 05, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Switching to Medicare -- cost vs health insurance
Replies: 22
Views: 1424

Re: Switching to Medicare -- cost vs health insurance

My wife and I have been in Medicare about 4 years. We each have a Medicare Supplement with Blue Cross Blue Shield (Plan F) and a Prescription Drug Plan. The premium costs for both of us run about $3,600 per year (including the cost of Medicare). We have virtually no other out of pocket health expens...
by fandango
Sat Jul 30, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 6 months ...Why should I pay $13,500/year to a Financial Advisor?
Replies: 43
Views: 5523

Re: Retiring in 6 months ...Why should I pay $13,500/year to a Financial Advisor?

I agree with kenner. If you are going to use an advisor, check out Vanguard Personal Advisory Services. Most of us can manage our own assets at this point in time. What happens if you are deceased or cannot function? Could your surviving spouse have the interest and knowledge to manage the remaining...
by fandango
Fri Jul 29, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2751

Re: Need advice, dealer sold me wrong year golf cart

Shenanigans: 1. Selling a cart and saying it has new batteries when the batteries are 3 years old. 2. Selling a cart and misrepresenting its age 3. Selling a cart and saying it was owned by a person in a community when it really was a rental cart at a golf course for 4 years. 2. Overcharging for rep...
by fandango
Thu Jul 28, 2016 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any dental insurance worthwhile?????
Replies: 31
Views: 3423

Re: Are there any dental insurance worthwhile?????

Usually they are not worth it unless your employer pays most of the cost. In the private insurance arena, you are sometimes restricted to a dentist in your network. When I checked, these were mostly large dental practices with a lot of new dentists (dentists in a box). The more established dentists ...
by fandango
Thu Jul 28, 2016 5:59 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2751

Re: Need advice, dealer sold me wrong year golf cart

Do you have "2012" on your purchase receipt? If so, I would take it in and get all of my money back. A lot of used golf carts come from golf courses when the lease expires. Two years means a lot more wear and tear. I live in a golf cart community. There are a lot of shenanigans in the golf...
by fandango
Mon Jul 25, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 59
Views: 5719

Re: My experience with "older" used car

My concern with buying a used "newer car" is the number of Electronic Control Units (ECU's) on each car. It is estimated that the average new car has 30 ECU's. Replacement can be expensive if you can figure our what is going on. http://www.nytimes.com/2010/02/05/technology/05electronics.ht...
by fandango
Mon Jul 25, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: HVAC replacement
Replies: 43
Views: 3410

Re: HVAC replacement,is that too risky to wait until this fall

I live in the SE, and air conditioners last around 12 years. Recently, my coil developed a small leak, and I replaced it. It was one of the defective coils produced by Lennox, but I missed being in the class action suit by a few years and had to pay full price. Coil was $800 to replace, and a new un...
by fandango
Thu Jul 07, 2016 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees ?
Replies: 35
Views: 5589

Re: Health Insurance for Retirees ?

I had the same issue and went to an insurance broker.

The broker knew all the local options and recommended the best one to me.

I paid no fees. Insurance transition went smoothly.

Sometimes it is better to ask for help from professionals on complicated issues.
by fandango
Thu Jul 07, 2016 8:46 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 10214

Re: synthetic oil changes

Most SUVs have enough ground clearance to change your oil without a jack or stand.

I wear 37" shirt sleeve so the extra reach also comes in handy.
by fandango
Wed Jul 06, 2016 6:39 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 10214

Re: synthetic oil changes

I talked to my dealer about oil change frequency. They said every 5,000 miles.

I called Honda of America and they said use the maintenance reminder and change when it hit 20%.

Since we are retired and don't drive a much as we used to, we will probably be changing once per year.
by fandango
Wed Jul 06, 2016 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Anyway to get traditional IRA funds minimizing tax other then not working?
Replies: 57
Views: 4252

Re: Anyway to get traditional IRA funds minimizing tax other then not working?

Social Security is taxable on the Federal return.

Many states, including Georgia where I live, do not tax Social Security.
by fandango
Fri Jul 01, 2016 6:24 am
Forum: Investing - Help with Personal Investments
Topic: VG vs. Fido - The Grass Is Not Always Greener (or Is It?)
Replies: 69
Views: 9132

Re: VG vs. Fido - The Grass Is Not Always Greener (or Is It?)

I had both Vanguard and Fidelity for many years.

Recently moved almost everything to Vanguard.

The Fidelity Account Representatives always seemed to be running around with their hair on fire.

I got tired of the sales pitch and crisis of the month.

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