Search found 373 matches

by onourway
Thu Oct 12, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3108

Re: Mechanic expects me to pay for his mistake

Not the mechanic's fault. A small town mechanic who doesn't specialize in this specific model of vehicle quite possibly did not know the entire scope of the problem. You took that risk when you asked a non-expert to work on your vehicle. This is a design defect that Ford has admitted to. Your beef i...
by onourway
Tue Oct 10, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11644

Re: 100% in bond to wait for market crash?

HenrysPlan2 wrote:
Tue Oct 10, 2017 2:34 pm
I think the intermediate tax exempt bond mostly with city and county bond, not so much cooperate bond? Also feels much safer as 2008 crash the bond did well?
Plenty of municipalities have defaulted on bonds. Look at Puerto Rico today.

Do you think the next crash will look the same as 2008?
by onourway
Tue Oct 10, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11644

Re: 100% in bond to wait for market crash?

My goal is to grow the fund as much as I could. I do not need the fund as my primary home paid off and have stable job. That's a pretty fuzzy goal, which I think accounts for some of your uncertainty here. Without a firm goal in mind your only real objective is to 'have more' but growing you assets...
by onourway
Tue Oct 10, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11644

Re: 100% in bond to wait for market crash?

To me it sounds like you haven't clearly defined the purpose for this chunk of money, hence your reluctance to keep it invested. If you were truly committed to remaining invested for the long-term - at least 10 years, preferably more - what would it matter if the value temporarily dips along the way...
by onourway
Mon Oct 09, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3395

Re: Daughter's auto repair shop problems, what should we do now?

Yes, it was also my point that sticking a young person with an excessively old car is not doing them a favor. Obviously opinions vary on this because I think just the opposite - learning how to manage an old car teaches all sorts of important lessons. Mechanical, interpersonal, financial, planning,...
by onourway
Sun Oct 08, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 3964

Re: Too much house? (nervous 1st time buyer)

I bought my first house when I was in my early 20's and single. It worked out fine. I still live in it today with my wife and family, so there you go. :D Similar situation as you, although at the time housing was cheap here and rentals expensive; I purchased for less than 1x salary. I also had a dog...
by onourway
Sat Oct 07, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3395

Re: Daughter's auto repair shop problems, what should we do now?

As the tech said above the reality is that most people want their cars to be finished the same day they drop them off. If the tech diagnoses the issue, calls the customer, waits for a call back or a decision, they have to move a (potentially taken apart) car off the lift and start working on somethi...
by onourway
Sat Oct 07, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3395

Re: Daughter's auto repair shop problems, what should we do now?

A lot can go wrong between what she thinks she said and what the garage thinks they heard. Has she worked with this garage before with good result? Were they the shop that diagnosed the bad engine mounts originally? I firmly believe owning older cars and repairing them regularly is the best option e...
by onourway
Wed Oct 04, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Where/when to get good deals on athletic shoes
Replies: 24
Views: 1349

Re: Where/when to get good deals on athletic shoes

As noted, previous models are typically priced at a deep discount, provided you can find your size. I have also had surprisingly good luck buying shoes on Amazon. Often their prices are only slightly cheaper than other places, but for some reason I've found no less than 3 pairs of shoes in the last ...
by onourway
Wed Oct 04, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Looking for advice on an automotive paint job.
Replies: 20
Views: 1191

Re: Looking for advice on an automotive paint job.

The paint used was a good as OEM, and the of all the jobs painting the front fenders, hood, bumper cover, and then "blend" into the side doors resulted in a perfect match. Citation needed here. I have several cars 20 years old, and one 35 years old with original paint. Other than some rock chips th...
by onourway
Mon Oct 02, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Looking for advice on an automotive paint job.
Replies: 20
Views: 1191

Re: Looking for advice on an automotive paint job.

How is the rest of the paint other than the roof? Is the clearcoat peeling there or just dull? If it might be salvageable you may get much better results by having a competent body shop paint just the roof and wet sand and polish the rest of the factory paint. It'll probably still cost more than Maa...
by onourway
Fri Sep 29, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4168

Re: Two year lease vs Buy and hold 10 years. A wash?

A couple of other factors have come to mind. Depending on where you live you may need to factor in the cost of snow tires. These become very cost effective when you own a vehicle for a long period of time as it means both your sets of tires last twice as long (in time, not miles). This becomes very ...
by onourway
Fri Sep 29, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 3927

Re: Should I get a New Mac or Macbookpro?

I am all for keeping things running for as long as possible, however you have already gotten 7 years out of this computer. If you are on a tight budget or don't mind fiddling with computers, go ahead and update to a SSD and add some more RAM. On the other hand, if you have the money, now might be a ...
by onourway
Fri Sep 29, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: Why is this person wrong? Says beating the market is easy.
Replies: 30
Views: 2956

Re: Why is this person wrong? Says beating the market is easy.

Besides him being flat out wrong about the performance of leveraged ETF's, the real answer is that of course it is possible to beat the market. Lots of people do so here and there. The problem is that once you have outperformed the market over some period of time your strategy will inevitably stop w...
by onourway
Thu Sep 28, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4168

Re: Two year lease vs Buy and hold 10 years. A wash?

Don't forget to consider the additional cost of full insurance when you lease. When you own you can choose to drop that at any point and the savings can be substantial, especially if looked at over 6-10 years. Once you factor that in, leasing becomes a lot less appealing if you are really concerned ...
by onourway
Mon Sep 25, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 54
Views: 3717

Re: Thoughts on Barefoot/Minimalist Running

Not a runner, but barefoot running is not running literally without footwear is it? It would not be practical to avoid protection from debris, sharp rocks, etc. Barefoot running is an opportunity for an entirely new product line. I don't don't know what the relative sales volumes and profit margins...
by onourway
Mon Sep 25, 2017 5:40 am
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3226

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

I've got a 2012 AWD CR-V. At the time, front wheel drive versions were simply not available. I seem to remember AWD was cheaper for insurance purposes (?). Instead of handling in the snow, how about handing in the rain? I'd say AWD will help you much better in rain. Remember that you don't drive in...
by onourway
Mon Sep 25, 2017 5:29 am
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 54
Views: 3717

Re: Thoughts on Barefoot/Minimalist Running

The move to minimalism is what made it possible for me to run. I'd tried for years always after being fitted for traditional high stack height/high drop shoes and would end up with severe knee pain after a few weeks or so. When I went minimalist I spent most of an entire year doing nothing but runni...
by onourway
Fri Sep 22, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2419

Re: Phone Techies .....

Think hard whether you want a larger phone or not. If so, I'd buy the 7 or the 8 just to make sure it is supported for as long as possible. If you are ok with the same size you have now, or even prefer that size, definitely go with the SE. It's by far the best value in the lineup right now.
by onourway
Sun Sep 17, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20105

Re: Iphone X is $1000

Read up on 256 QAM and it's benefits to gigabit LTE. we are getting a bigger pipe that can handle more data at higher speeds. Your thinking about this from a single or a few end points. Like I said have your entire office start streaming 1080p content or have someone start downloading a TB file and...
by onourway
Fri Sep 15, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20105

Re: Iphone X is $1000

So if apple won't enable the chip then whats the use? I"d be a really upset consumer if I got the intel chip and apple decided to open up the qualcomm chip. I disagree that it matters only to spec geeks. It matters to anyone on a network. Less congestion due to a bigger pipe benefits everyone. Nobo...
by onourway
Fri Sep 15, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20105

Re: Iphone X is $1000

You're right faster LTE chips won't do anything. However, a gigabit LTE chip will. They are getting 120MB+ speeds in real world scenarios with the S8 now. In a controlled test they got near 1000MB with that phone. FYI - All major carries have been building out gigabit LTE since early 2017. This lin...
by onourway
Fri Sep 15, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2589

Re: Can not decide between washing machines

We have been very unhappy with our LG front loader we bought several years ago. No matter what we do the front seal holds excess moisture and builds up mold and mildew. The door is always left open unless we are running a cycle. We clean the tub and the seal regularly. We drain and clean the filter ...
by onourway
Fri Sep 15, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20105

Re: Iphone X is $1000

This is true except for T-Mobile customers. Tmo is aggressively rolling out band 71 (700Mhz), which dramatically increases both reception and speed for most customers. iPhone 8/X owners will be left behind as this occurs. T-Mobile didn't even get the licenses for this band until April of this year....
by onourway
Fri Sep 15, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20105

Re: Iphone X is $1000

Network speed certainly is important. If the request can happen much faster on the network then more bandwidth is available for additional requests thereby increasing throughput for everyone. Lets be real on processor speed here. Chips for PCs and servers have stopped moving beyond a certain clock ...
by onourway
Thu Sep 14, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20105

Re: Iphone X is $1000

The human mind can only go so fast. If my app opens in 500 ms and will open in 250 ms in the next phone will that really be noticeable? How about when it goes from 125ms to 60 ms? Frankly I'd rather them increase storage and it's access time and battery life before speeding up processing tasks. In ...
by onourway
Thu Sep 14, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20105

Re: Iphone X is $1000

This is what ticks me off. Spend $700 on a new phone and then a few years later they make it obsolete with updates even though the hardware is still working fine. My wife just ordered a refurb 6S 128G for $469. Maybe she's better off just buying a new 8 64G for $699 and not having to worry about it...
by onourway
Thu Sep 14, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18234

Re: Is it really Worth it to brown bag your lunch at work?

I don't let my kids buy school lunch every day so there is no way I'm going to eat out every day either. It takes me about 10 minutes to make lunch for the whole family every morning. And I know exactly what they are eating. My lunch time is for me to go for a run or a bike ride (where the real 'net...
by onourway
Wed Sep 13, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 vs Capital One Money Market
Replies: 6
Views: 901

Re: Capital One 360 vs Capital One Money Market

Have both kinds of accounts for both my wife and I. Instant transfers, no problems with $0 account balances. As of late the MM account has become very competitive and is usually among the earliest of major banks to raise rates.
by onourway
Wed Sep 13, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for smartphones.
Replies: 31
Views: 2647

Re: Strategy for smartphones.

My Chase Ink card which I use to pay my cell phone bill has automatically included cell phone protection against damage or theft up to $600 per incident, $1800 per year.
by onourway
Wed Sep 13, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20105

Re: Iphone X is $1000

I have. My last two Iphones were refurbs and will never settle for one again. My first refurb purchase was an IPhone 4 which kept freezing just past 12 months; had to continually turn off/on to get it going. My young daughter dropped the phone and fell in our pool, so I replaced it with a refurbish...
by onourway
Wed Sep 13, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20105

Re: Iphone X is $1000

Believe it or not. On ATT I tried to buy my phone outright. If I made that choice I would lose out on a $20/month service credit. Forced me in to a Next agreement. I guess they try to use that as a 2 year lockin. I'm not sure what that would have been about. We receive a $20/month service credit fo...
by onourway
Wed Sep 13, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20105

Re: Iphone X is $1000

Where does it say that carrier subsidies have ended? Hasn't Verizon (for instance) always taken the purchase price of the phone, divided by 24, and included that amount in your two year contract? I don't know personally since I buy my phones outright lately... Subsidies were back when phones were '...
by onourway
Tue Sep 05, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3598

Re: How do you track expenses ?

YNAB.

It's a bit of a learning curve, but its zero-based budgeting method easily pays for itself many times over every year. It also makes churning credit cards for bonuses much easier to manage - especially as I funnel a lot of reimbursed work expenses through them to hit the spends.
by onourway
Mon Sep 04, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7029

Re: Crashplan for Home ending service late 2018

After much research, I have come to the conclusion that the best solution for me, both from a security and economic perspective is Arq 5 backup software coupled with Backblaze's B2 cloud repository. One thing to consider when you are using a pay-per-GB plan is that any de-duplication or replicate d...
by onourway
Sat Sep 02, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Does anyone use Driving Shoes?
Replies: 40
Views: 4039

Re: Does anyone use Driving Shoes?

That particular New Balance shoe is my all-time favorite running shoe - I've owned about 6 pairs and I keep a couple extra on the shelf new at all times in case they discontinue it (again). If you like driving in those, I'd suggest you see if you can find a style you like in the Vivobarefoot line wh...
by onourway
Wed Aug 23, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Employer reimbursement for plugin hybrid charge cost?
Replies: 14
Views: 1376

Re: Employer reimbursement for plugin hybrid charge cost?

They should offer to cover you at the federal mileage rate, which in a plug-in hybrid, should make you a pretty decent sum on the side. Who only pays for the gas (which is only a small portion of the running costs of a vehicle??)
by onourway
Tue Aug 22, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 5944

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: 92
Views: 7029

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: 97
Views: 5944

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: 97
Views: 5944

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: 97
Views: 5944

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: 44
Views: 3436

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: 4419

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: 8656

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: 2205

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: 8656

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: 2713

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: 228
Views: 19983

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: 8656

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 ...