Search found 336 matches

by onourway
Tue Aug 22, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 80
Views: 3541

Re: Safe car for wife and baby

That said.. is there a potential for dangerous situation when you have big luggage with a hatchback or SUV/crossover? If you have a car/sedan, those luggage would be put safely in the trunk. I have a car and my wife has a crossover. I didn't think of the harness when we use the crossover to take ou...
by onourway
Tue Aug 22, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 18
Views: 933

Re: Crashplan for Home ending service late 2018

I'm pretty unhappy about this. I've been with Crashplan pretty much since the beginning - and have recommended it more times than I could possibly count. Our business migrated to their service several years ago on my suggestion, and I have many other family members, friends, and clients who are usin...
by onourway
Tue Aug 22, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 80
Views: 3541

Re: Safe car for wife and baby

It's been mentioned at least once here already, but a baby in a properly installed seat of good quality is already incredibly safe in any modern vehicle. The incremental safety gain of moving from a 2016 car to a 2018 SUV would be extraordinarily small. You would first have to be in an accident (unl...
by onourway
Tue Aug 22, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 80
Views: 3541

Re: Safe car for wife and baby

Minivans drive more like cars than SUV (lower center of gravity) less chance or rollover, less heavy so stopping is ok and great visibility. They drive more like a car in a straight line. Under braking they are more like an SUV, and under extreme cornering they may be worse than many SUV's as they ...
by onourway
Tue Aug 22, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 80
Views: 3541

Re: Safe car for wife and baby

Really? So all I have to do is drive safely and I'll never be in an accident? The problem is not me or my vehicle, it is actually the very many stupid drivers out there with whom I have to share the road that are likely to kill me or my family! So, the safest vehicle I can buy will improve my survi...
by onourway
Tue Aug 15, 2017 6:10 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 45
Views: 3165

Re: What kind of hotel do you get on business travel?

Totally depends on where we are traveling to. For much of our domestic US travel, Hampton Inn is as good as it gets. Internationally we usually have a better budget and it's pretty much whatever we want within reason - Marriott, Hilton, Radisson Blu, etc. is most common, but I've stayed in plenty of...
by onourway
Thu Aug 10, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3974

Re: Toyota Camry Repair Priorities

I think the list you have compiled is pretty good. Honestly unless the white smoke is a serious head gasket issue there is nothing on this list that remotely qualifies getting a new car. This is standard car maintenance that has been neglected. Rather than paying for it bit by bit over the years you...
by onourway
Tue Aug 08, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8167

Re: LED light bulbs

I too bought a ton of this bulb - probably 20 of them in total for the house, at a whopping $20-30/bulb back when they were new. I've not had a single one fail, they're amazing bulbs for all the reasons you stated, and I wish I'd gotten some more. I also have some Cree bulbs & some free bulbs from ...
by onourway
Tue Aug 08, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: LED bulbs for enclosed fixtures
Replies: 19
Views: 1973

Re: LED bulbs for enclosed fixtures

I have had a number of Philips bulbs in enclosed fixtures for at least 3 years now. No issues.
by onourway
Sun Aug 06, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8167

Re: LED light bulbs

So I did the math! I catalogued all the lightbulbs on my property by number, type, and wattage. I excluded bulbs in appliances since they are not used enough to make much of a difference. I also excluded bulbs in fixtures that would need to be changed if I changed the bulb type, since that would ma...
by onourway
Sat Aug 05, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: [SOLVED] VG Account Compromised: Please Advise
Replies: 30
Views: 2586

Re: VG Account Compromised: Please Advise

Agreed this is probably caused by some automated system trying to log into your account. I get these several times per day and particularly when I log in to my YNAB account and all accounts are synchronized. Most likely nothing to be worried about.
by onourway
Sat Aug 05, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 220
Views: 17375

Re: Buying house - Very important decision

I would be really careful about buying anything even remotely in the price range you are looking at. Even $400k would make me uncomfortable on that income. Houses are really expensive to maintain. I don't think even the 1% maintenance cost typically estimated even really covers the real cost. There ...
by onourway
Fri Aug 04, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8167

Re: LED light bulbs

I tried cree, Wal Mart, eco smart, Lowe's brand, some top rated brand on Amazon, and didn't like any. Cree looked and worked the best, but they kept lasting not near as long as they should. And I'm too lazy to return bulbs under warranty. Most all of them suck at dimming. I am now slowly switching ...
by onourway
Fri Aug 04, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8167

Re: LED light bulbs

I haven't done a detailed analysis, but my electric bill does not seem to be high enough to make higher efficiency anything worthwhile. Too long a payback period. Years ago I switched to mainly compact fluorescents, due to the lesser heat load when I did not have air conditioning. I don't like thei...
by onourway
Thu Aug 03, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8167

Re: LED light bulbs

Of the bulbs I have, the Philips L-Prize winning model is by far the best. They have a CRI of 92, dim perfectly with standard dimmers, even shifting their color temperature as they are dimmed, mimicking incandescent bulbs with this (IMO) desirable trait. Test bulbs passed 25,000 hours of testing wit...
by onourway
Thu Aug 03, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8167

Re: LED light bulbs

Switched almost all the bulbs in the house to Philips brand LED's several years ago. Haven't had a single failure and the color temp is nearly identical to incandescent.
by onourway
Mon Jul 31, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 56
Views: 3667

Re: Non Stick frying pan

I agree with the cast iron/carbon steel for the most part - these are fantastic pans that will last a lifetime and brown and sear like nothing else. However, they do require a bit more care than many people are willing to give, they are quite heavy, and they require a routine to work well for eggs. ...
by onourway
Thu Jul 27, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 4977

Re: Why is everything done with a mouse?

In my experience the number of users who know about anything other than the most basic of keyboard shortcuts is exceptionally small. I'm actually always quite surprised at the number of keyboard shortcuts that exist for most programs. I kind of think the developers must be implementing these mostly ...
by onourway
Wed Jul 26, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 68
Views: 3884

Re: 2018 Subaru Outback with 3 car seats vs. other car/suv options

I honestly don't think you can go wrong with any of the cars on your list. Drive a bunch of them and pick the one you like best. You might also add the Volvo V60 to your list. It should be wide enough to fit 3 narrow seats across, and is available with the integrated boosters in the outer positions.
by onourway
Wed Jul 26, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 68
Views: 3884

Re: 2018 Subaru Outback with 3 car seats vs. other car/suv options

I have to question the data you linked to in your post--I'm not familiar with the source (not that that's determinative in and of itself) but suspect the data is quite old as many of the brands on that list haven't existed in years (Saab, Pontiac, Mercury, Hummer, etc.). Consumer Reports slots Suba...
by onourway
Wed Jul 26, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 68
Views: 3884

Re: 2018 Subaru Outback with 3 car seats vs. other car/suv options

I guess reluctance is a bad word. But I know plenty of people who own subarus, and have owned them for much longer than myself, and not one of them has complained about reliability issues (well, one family has, but they bought their subaru from a shady used car dealer). Many are driving their cars ...
by onourway
Wed Jul 26, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Cheapest way to fly first class to Hong Kong from San Francisco?
Replies: 14
Views: 1697

Re: Cheapest way to fly first class to Hong Kong from San Francisco?

If you want to do a little bit of credit card churning you could probably get there with Chase Ultimate Rewards which can be spent like cash. If both you and your wife are willing to do it, there are ~180,000 points each available to you by opening a Sapphire Preferred (50k points), Sapphire Reserve...
by onourway
Wed Jul 26, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 4914

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

I would second the suggestion to visit a chiropractor. Find one through word of mouth - a good one is well worth the effort. Second, changing the seat in a car is not that big of a deal. If you love everything else about the car and intend to keep it for 10 years, this is well worth doing. If you ar...
by onourway
Wed Jul 26, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Why not Schwab instead of Vanguard?
Replies: 68
Views: 4701

Re: Why not Schwab instead of Vanguard?

I have investments at Vanguard and a checking account at Schwab. They have certainly made it easy enough for me to invest with them but so far I've resisted merely for simplicity. I think their Total Market index fund is fine. I'm less certain about their bond fund which is new as of this year. I li...
by onourway
Wed Jul 26, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 68
Views: 3884

Re: 2018 Subaru Outback with 3 car seats vs. other car/suv options

Incendiary wrote:Do you have to use seatbelts to get three across? LATCH system won't do?


Few vehicles have LATCH placement for the center position so yes, you would need to use a seatbelt in that location.
by onourway
Tue Jul 25, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market Account
Replies: 13
Views: 853

Re: Money Market Account

I would consider a Capital One Money Market account. They currently pay 1.1% over $10k and I believe they still have a $200 bonus for opening an account. Been with them for years and never a problem.
by onourway
Tue Jul 25, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 68
Views: 3884

Re: 2018 Subaru Outback with 3 car seats vs. other car/suv options

If you are willing to buy new car seats, you can fit 3 across in almost any car. We have used the Diono Radians in several cars 3 across. It actually becomes much more problematic once one or more of the kids reaches booster seat age as fitting 3 narrow car seats with their own dedicated harness bel...
by onourway
Fri Jul 14, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: How to use Retirement Funds for College Savings
Replies: 53
Views: 2655

Re: How to use Retirement Funds for College Savings

529s are great in some situations whereas retirement accounts used for college may make sense in others. But's let's clarify. The only account that you can use for college, prior to retirement, is contributions to a Roth IRA, correct? I don't believe you can use 401k / 403b money for college withou...
by onourway
Wed Jul 12, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7243

Re: Do you consider business travel to be a perk or a burden?

Completely depends on the specifics. Frequent travel between small airports which require multiple stops and layovers, for little additional compensation and/or an employer that doesn't stretch to make things comfortable for you? Pass. International travel via business class with plenty of time off ...
by onourway
Tue Jul 11, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 2439

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

Agreed about looking into narrow seats before buying an entire new car. Also, depending on age of said grandchild, Volvo offers integrated booster seats which are by far the narrowest of all. Most kids will fit in them at age 4-5 and at that point it is no different than having 3 people sitting in t...
by onourway
Tue Jul 11, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5419

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

You might get an itemized list from the first mechanic to see what they intend on replacing. I don't think the cost is outrageous and all the less so if they also intend on replacing things like strut bearings, spring seats, bump stops, etc. which are also often due at the same time. I would be incl...
by onourway
Mon Jul 10, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 15323

Re: Dividend Misunderstandings & Only Spend Return

The arguments I've heard against a dividend tilt are rather subjective and even after taxes reduce the total return of a long term dividend investment the dividend funds still beat funds like TSM over all ten year periods I've seen. Can you tell me more about these dividend funds that have historic...
by onourway
Mon Jul 10, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 15323

Re: Dividend Misunderstandings & Only Spend Return

I know...never say never... Last night I went through the stock holding of VHDYX. These big blue chip stocks have been around for years & are going to be around for years to come. They employ millions of people. Now they might have their up & downs but I don't see them going anywhere. VHDYX...
by onourway
Mon Jul 10, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 15323

Re: Dividend Misunderstandings & Only Spend Return

Not everybody is taxed at a higher rate on dividends, maybe you but not me. If i could have a $100 dollars every time i hear or read that statement then maybe it might be true. Too many people on this mess board live in a bubble. If you in the 15% or less tax bracket its the same. Even if your tax ...
by onourway
Mon Jul 10, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - increase in compensation but also much longer commute
Replies: 25
Views: 1961

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

If moving all the way to the new city isn't an option, how about splitting the difference so you are 20 minutes from work in one direction and 20 minutes from family in the other? Even if your housing cost doubled you could easily afford $1000 rent on an $80k salary.
by onourway
Mon Jul 10, 2017 5:22 am
Forum: Investing - Help with Personal Investments
Topic: Completely New to Investing, Don't Know Where to Start
Replies: 9
Views: 614

Re: Completely New to Investing, Don't Know Where to Start

Welcome Pbear. There are all sorts of resources at your disposal here. I would start with the document If You Can written by the respected author William Bernstein. m If you want more reading I would move on to The Bogleheads Guide to Investing. To specifically answer your question, there is no ‘qui...
by onourway
Mon Jul 10, 2017 5:10 am
Forum: Personal Finance (Not Investing)
Topic: What do you do when you run the numbers and don't like the answer that you get?
Replies: 29
Views: 3472

Re: What do you do when you run the numbers and don't like the answer that you get?

I guess I’m a little confused. You have ~$700k now and seem to be projecting to retirement in 20 years. You say you need ~$1.5M to fund ~$65k in yearly expenses. Even if you never save another dime, in 20 years you will almost certainly reach your number. $700k at 6% over 20 years is ~$2.4M. If you ...
by onourway
Mon Jul 10, 2017 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Does it really matter? [Savings APR on <10k)
Replies: 2
Views: 363

Re: Does it really matter? [Savings APR on <10k)

Capital One has a Money Market account currently paying 1.1%. You should be able to open it up and transfer money in a few moments. Catch is it has to have a minimum of $10k in it to receive that rate.
by onourway
Sun Jul 09, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4010

Re: A good VISA card for Gas & Groceries?

I have an older version of the Blue Cash card. No annual fee. First $6500 of annual spend gets 1% back on gas/groceries/drug stores. 0.5% on everything else. After hitting the spend threshold all of those categories jump to 5% up to $50,000. They are always trying to get me to ‘upgrade’ to the new v...
by onourway
Sun Jul 09, 2017 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Any credit cards with good travel insurance and low to no annual fees?
Replies: 5
Views: 485

Re: Any credit cards with good travel insurance and low to no annual fees?

Came to post the same thing as MikeG62. If you are already traveling, the real cost of the Sapphire Reserve is already only $150 - before you calculate any of the additional rewards it brings. With the higher point value of 1.5c/point vs. 1.25 on their cheaper cards it may well pay for itself.
by onourway
Sat Jul 08, 2017 6:16 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4897

Re: Better hurry if you want a gas-engine Volvo

I'm not in any rush to buy a hybrid or electric car. Until their price tag is comparable to ICE vehicles and most of the bugs and other limitations with this new technology are resolved, I just don't see these vehicles as competitive to the tried-and-true ICE vehicles. EV might be the wave of the f...
by onourway
Thu Jul 06, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 15323

Re: Dividend Misunderstandings & Only Spend Return

Being a fairly new member of Bogleheads Forum I' am amazed at the passion of the dividend discussion. In my mind it's the type of stocks that we like to invest in. Would you rather own "Gold" that pays no dividend but is really shiny? Or "Microsoft" that pays a dividend? Both ar...
by onourway
Thu Jul 06, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4897

Re: Better hurry if you want a gas-engine Volvo

Hybrids, maybe. All-electric, unless there is a revolutionary discovery in the batteries field, it will never be. If filling up a car took 2 hours we would see huge lines at gas stations and there are many more gas stations than there are superchargers. Tesla has gone from ~220 miles range to ~300 ...
by onourway
Thu Jul 06, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4897

Re: Better hurry if you want a gas-engine Volvo

if all/most cars become electric someday, where will all the electricity come from to power them every day? how will it be generated? Not a major concern. Currently the electric grid is underutilized during overnight hours - exactly when most EV charging would be done. Further, the electric grid is...
by onourway
Thu Jul 06, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4897

Re: Better hurry if you want a gas-engine Volvo

Everything will be electric or hybrid in a couple of years? IMHO, probably not. Electric vehicles are more expensive, they are heavier, they do not work well in cold weather, not to mention the fact that there is not the infrastructure in place to support their "refueling." I suspect that...
by onourway
Wed Jul 05, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Have you had this issue with Subaru Forester windshield replacement?
Replies: 25
Views: 2314

Re: Have you had this issue with Subaru Forester windshield replacement?

Is there something about the current Subaru design or glass spec that leads to damaged windshields? I don't think we've had a cracked windshield in any car in at least 15 years...
by onourway
Wed Jul 05, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4278

Re: Anyone bought a Pixel?

The idea of comparing a new phone every couple of years to a new car is ludicrous, IMO. A phone costs ~$600. A new car runs what, $25k or more for most? Not even in the same hemisphere. FWIW, I happen to mostly own new phones (I agree - the changes that happen year over year are generally meaningful...
by onourway
Wed Jul 05, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Laptop headaches
Replies: 11
Views: 1650

Re: Laptop headaches

It might be that your new laptop screen is using Pulse Wave Modulation which is known to cause headaches in certain people. If you search the specific model at notebookcheck.net and they have reviewed it, they test for PWM which would help you verify if this might be the cause.
by onourway
Tue Jul 04, 2017 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Help with cashflow
Replies: 24
Views: 2890

Re: Help with cashflow

I agree with the advice to track your expenses closely if you aren't already doing that. Especially with the strain of two young kids, those costs can get away from you if you aren't careful because it's so easy to find things to spend money on either for the kids or in the name of making things eas...
by onourway
Tue Jul 04, 2017 5:51 am
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 3742

Re: Expensive Car Repair, New Engine

While engine issues are relatively rare in modern vehicles, it's not impossible. It's worth noting that if this is a first-year 3rd generation rather than last-year second gen, this model has pretty much the worst reliability rating in its class http://dashboard-light.com/vehicles/Ford_Focus.html

Interested to hear the outcome of a second opinion!