Search found 567 matches

by snowman
Mon Jul 17, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 36
Views: 2272

Re: Metropcs iPhone SE $200

Unfortunately, I tried this yesterday. I went to the link, entered the IMEI # from the unwrapped box, and submitted the request. I received the email to confirm the request which I did. I checked the status link today and received the message at the top that the phone has not be active for 6 month....
by snowman
Sun Jul 16, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 2959

Re: Road noise in 2017 Honda CRV?

Thanks. I know Hondas have always had a firm ride and road noise. I traded a 99 Accord Coupe because I couldn't stand the harsh ride. I still own a 2002 CRV and I can't even talk on the cellphone unless I'm on a smooth asphalt highway, and I feel every bump and crack in the road. You might be right...
by snowman
Sun Jul 16, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 141
Views: 12305

Re: How are folks handling the unprecedented rise in the market ?

I am 40% international, have been for many years, so it's nice to see it doing well again. Just checked - it's up only 28% over the last 6 years, vs. 108% for total US. So I don't feel the jitters, quite the opposite - I feel like my portfolio has been under performing all these years. But these are...
by snowman
Sun Jul 16, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 2959

Re: Road noise in 2017 Honda CRV?

I wonder if there is any chance of getting a dealer to include a tire swap as part of the purchase of a new CRV? Has anyone ever tried that? I wouldn't mind paying something for a tire upgrade, but I wouldn't want to pay full price for the new tires, which might run $700 - $800 for a set of Micheli...
by snowman
Fri Jul 14, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is a 529 of any benefit in this instance?
Replies: 16
Views: 1099

Re: Is a 529 of any benefit in this instance?

It really depends. Personally, I would recommend prioritizing retirement savings over 529, but again there are too many moving variables and they change over time. Yes, it is true that IRA withdrawals count as income. But it's also true that money in IRA does not count as an asset on FAFSA. Money in...
by snowman
Fri Jul 14, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 2959

Re: Road noise in 2017 Honda CRV?

Road noise is a trademark of Honda cars, comparatively speaking. If that criterion is really important to you, you should look elsewhere. Even the best tires are not going to make much of a difference (speaking from personal experience). Go and test drive it yourself, see if it bothers you that much...
by snowman
Tue Jul 04, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Brake Pads and Rotors for 2011 Benz C300 4Matic?
Replies: 43
Views: 2567

Re: Brake Pads and Rotors for 2011 Benz C300 4Matic?

I also replace rotors/pads myself, one of the easiest things to do on a car, and probably the most cost effective - i.e. how much does it cost you DIY vs. how much you get charged by the dealer. If you cannot/don't want to do it yourself, I would still recommend buying the set yourself from Amazon, ...
by snowman
Fri Jun 23, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 478
Views: 64521

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

When you are transferring out, most companies charge account transfer fee around $75. How do they charge that fee when the account is fully invested? Say you are transferring Roth IRA account invested in ETFs with money market balance of $1.50. Do they sell some ETFs to get their fee? Or do they sen...
by snowman
Thu Jun 22, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz: "How to Make the Most of Your 401(k)"
Replies: 24
Views: 3373

Re: Christine Benz: "How to Make the Most of Your 401(k)"

It’s possible that I could be completely wrong about “barriers” being the problem, as I can only speak from my personal experience which is statistically insignificant. But here it is. In my role in a corporate world some years ago, I directly hired people to work on my team. I made sure that every ...
by snowman
Mon Jun 19, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4376

Re: "Find out if your fund is declaring a quarterly dividend in June."

InvestorNewb wrote:l don't see the amounts posted yet for ETFs that are being declared today (VTI/VXUS).

http://www.dividend.com/dividend-stocks ... arket-etf/

Here is VTI; VXUS not yet declared.
by snowman
Mon Jun 19, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 36
Views: 2272

Re: Metropcs iPhone SE $200

You don't need to unlock the phone if you plan to stay on AT&T network forever. Unlocking gives you flexibility to switch to TM in the US, or any GSM carrier abroad. It's not a necessity, it's just nice to have. Since it's free, why not. As far as I know, the unlocking method I described only w...
by snowman
Sun Jun 18, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 36
Views: 2272

Re: Metropcs iPhone SE $200

You don't need to unlock the phone if you plan to stay on AT&T network forever. Unlocking gives you flexibility to switch to TM in the US, or any GSM carrier abroad. It's not a necessity, it's just nice to have. Since it's free, why not. As far as I know, the unlocking method I described only wo...
by snowman
Sun Jun 18, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 36
Views: 2272

Re: Metropcs iPhone SE $200

As far as Best Buy goes, you can check their local inventory online. Your store may not have it, but the one 10 miles away might. Worth checking. I would also ask what the return policy is for the specific phone you are buying (I never bought Apple product so not sure if they have brand-specific ret...
by snowman
Sun Jun 18, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of changing my international allocation
Replies: 19
Views: 1498

Re: Thinking of changing my international allocation

OP, You will be fine either way, the proposed change is very small. However, I am guessing you want to make the change mainly because of recent under-performance. Owning international since the financial crisis has been very painful, especially the last 6 years or so. A lot of the pain has been caus...
by snowman
Sun Jun 18, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 36
Views: 2272

Re: Metropcs iPhone SE $200

CULater, That's why I said you have to select NO for current customer on AT&T's website. When you do that, the screen changes and it will ask you for IMEI number (displayed outside on the phone's box), make and model number. You also type in your email, to which AT&T will communicate. You wi...
by snowman
Sun Jun 18, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 36
Views: 2272

Re: Metropcs iPhone SE $200

I'm assuming that all these deals being mentioned (Consumer Cellular, StraightTalk, etc.) mean the SE is locked to their service and must be unlocked to get away -- correct? How long are you married to the service before you can do that? With consumer cellular you're locked in for six months. Not n...
by snowman
Fri Jun 16, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 36
Views: 2272

Re: Metropcs iPhone SE $200

4 inch would be really small for me, but I understand everyone has different preferences. You can get the same deal from Consumer Cellular: https://www.consumercellular.com/Products/821/Details They resell AT&T just like Cricket, so your phone will work on Cricket out of the box. Alternatively, ...
by snowman
Sat Jun 10, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7903

Re: What Do You Pay for an Oil Change?

And dealerships tend to just use the cheapest oil they can find in bulk. Toyota dealers do not use the (excellent) Toyota brand synthetic, which is expensive for them. They just buy any cheap API oil in bulk (which isn't bad oil, but it isn't the good stuff either). Good point, I don't think public...
by snowman
Sat Jun 10, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7903

Re: What Do You Pay for an Oil Change?

And dealerships tend to just use the cheapest oil they can find in bulk. Toyota dealers do not use the (excellent) Toyota brand synthetic, which is expensive for them. They just buy any cheap API oil in bulk (which isn't bad oil, but it isn't the good stuff either). Good point, I don't think public...
by snowman
Sat Jun 10, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Changing State Residences for ACA Coverage
Replies: 15
Views: 1399

Re: Changing State Residences for ACA Coverage

OP, Based on your description, you should not have any problem doing this. I also wouldn't worry too much about ACA disappearing altogether - it either remains intact, or will be replaced with similar legislation, i.e. v2.0. The biggest concern - now and then - is actually having affordable coverage...
by snowman
Thu Jun 01, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2437

Re: Changing Car Cabin Air Filter - after how much time

OP, Car cabin filters function much like furnace filters at your house. They filter the air you breathe. I suspect yours are fairly clean if you only drive 6K miles per year in a non-dusty environment. It's really easy to check them out - you drop the glove box, press on tabs, and out comes your fil...
by snowman
Thu Jun 01, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7903

Re: What Do You Pay for an Oil Change?

I do it myself, here are my costs: Synthetic Mobil 1 oil 5q jug - on sale at Walmart for $23, minus $12 rebate from Mobil 1, equals $11. High quality oil filter - $4 on sale (Amazon or RockAuto). Total - $15. I do it whenever it fits my schedule, it's quick, easy, done right. Now if you cannot (or ...
by snowman
Thu Jun 01, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7903

Re: What Do You Pay for an Oil Change?

In my post, I forgot to mention I don't like the coolant charge there at all! They probably told you it was too low. Not sure if they asked for your permission or not, but you check coolant level (and add if necessary) when the engine is cold. They should not have touched it. And I also assume whate...
by snowman
Thu Jun 01, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7903

Re: What Do You Pay for an Oil Change?

I do it myself, here are my costs: Synthetic Mobil 1 oil 5q jug - on sale at Walmart for $23, minus $12 rebate from Mobil 1, equals $11. High quality oil filter - $4 on sale (Amazon or RockAuto). Total - $15. I do it whenever it fits my schedule, it's quick, easy, done right. Now if you cannot (or d...
by snowman
Fri May 26, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 62
Views: 5176

Re: best way to buy tires

Discount Tire, period. They will have wide selection, low prices, excellent customer service, they will match anyone (including Costco after coupon), will do free tire rotation and balancing for life, and - this is a big one - will apply additional discount based on how much tread life you did not g...
by snowman
Fri May 26, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Betterment and Wealthfront for a teenager
Replies: 16
Views: 1634

Re: Vanguard, Betterment and Wealthfront for a teenager

I started both kids at TDA when each was about 8 years old (they are now 20 and 17). Zero to start, and you buy Vanguard ETFs for free. They buy mostly VTI and some VEU. There is no need for Wealthfront or Betterment or such services IMO. Here is my 10+ years experience: they don't care about nice, ...
by snowman
Sat May 06, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Job Decision
Replies: 53
Views: 3930

Re: Job Decision

I forgot to say you should be proud of yourself! You have achieved great success. Don’t give it up now.
by snowman
Sat May 06, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Job Decision
Replies: 53
Views: 3930

Re: Job Decision

OP, I was in your shoes, immigrant as well, started really at the very bottom minimum wage job with a college degree nobody cared about. Was later trapped in serious under-employment situation because of visa status. I decided to go back to school and got an MBA, which provided instant credibility, ...
by snowman
Mon Mar 06, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Advice on relocation or staying put
Replies: 83
Views: 6140

Re: Advice on relocation or staying put

We did similar move years ago, for the very same reasons you are considering yours – we could not take the heat and allergies anymore. We were outdoorsy people used to 4 season weather, and we were hiding inside for 6 months of a year. We all developed allergies and were on medication year-round. Ou...
by snowman
Thu Oct 27, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan with mortgage refinance?
Replies: 10
Views: 1139

Re: Pay off student loan with mortgage refinance?

I did exactly that 20 years ago. I see nothing wrong with it.
by snowman
Thu Oct 27, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Dental 'Discount Plans' for uninsured
Replies: 22
Views: 2116

Re: Dental 'Discount Plans' for uninsured

I'm not saying it happens everywhere and it probably rarely happens. But somebody has to be keeping these cheap labs in business. Please do not scare the poster who asked legitimate question - will the dentist offer lower quality of care if I have lower end insurance plan he accepts? And the answer...
by snowman
Thu Oct 27, 2016 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Dental 'Discount Plans' for uninsured
Replies: 22
Views: 2116

Re: Dental 'Discount Plans' for uninsured

MIL has no dental insurance. (Medicare HMO plan for health) She needs some dental work done. I'm looking at something like this Dental Discount Plan for her. Looks like you still pay 100%, but you pay 100% of the insurance negotiated rate, which is often 50% of cash rate. ( I already called our den...
by snowman
Wed Oct 26, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: Just released ratings steering me from Legacy to Camry
Replies: 35
Views: 3057

Re: Just released ratings steering me from Legacy to Camry

strafe wrote:Absent a bona fide need for all wheel drive (Subaru generally) or cargo space (Outback specifically), I would buy the Camry. Don't overthink this.

Very well put.
by snowman
Wed Oct 26, 2016 1:53 pm
Forum: Investing - Theory, News & General
Topic: "The Simple Path to Wealth" -- A Gem
Replies: 27
Views: 8831

Re: "The Simple Path to Wealth" -- A Gem

I rented the book from my local library, mostly because I enjoy author's blog (though I rarely visit) and his writing style and wanted to see how this translates into book-writing. I have to say that I was impressed, and that the book is even better than his blog. It's very well written, entertainin...
by snowman
Wed Oct 26, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 13644

Re: 2017 ACA plan previews

Does anybody have any idea what is causing the spike in these prices? Is it basically because the pool of people that the insurers have to insure now include those with pre-existing conditions and the fact that insurers cant just drop clients? First, the rate "spike" impacts only a tiny p...
by snowman
Wed Oct 26, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medical insurance for green card holders who come and go from the US
Replies: 5
Views: 492

Re: Medical insurance for green card holders who come and go from the US

Here is a link you may find helpful. I just googled your question, not sure how credible the source is, but it's a start.

https://www.medicareresources.org/faqs/ ... e-over-65/
by snowman
Wed Oct 26, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Dental 'Discount Plans' for uninsured
Replies: 22
Views: 2116

Re: Dental 'Discount Plans' for uninsured

MIL has no dental insurance. (Medicare HMO plan for health) She needs some dental work done. I'm looking at something like this Dental Discount Plan for her. Looks like you still pay 100%, but you pay 100% of the insurance negotiated rate, which is often 50% of cash rate. ( I already called our den...
by snowman
Wed Oct 26, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 13644

Re: 2017 ACA plan previews

For us, ACA has been a godsend. Our silver plan went up 26% for 2017, after similar hikes over the past 3 years, yet we still pay less now for better coverage (even before subsidies) than we did in 2013 (last year before ACA). However, I agree with other posters that this is a race to the bottom and...
by snowman
Wed Oct 26, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 13644

Re: 2017 ACA plan previews

For those with currently 2016 Silver Plans and planning on getting another 2017 SP, have you easily figured out the differences when you have multiple SP's available from same provider ? Case in point, we just estimated a Blue Cross (BCBS) SP where the only discernible difference is monthly premium...
by snowman
Mon Oct 24, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Declining Service Expectations. Are there any excellent companies still out there?
Replies: 81
Views: 7506

Re: Declining Service Expectations. Are there any excellent companies still out there?

Supermarket lines are a dream in the US. There is no place on earth with such short lines. In Latin America, the grocery has almost nothing worth buying, high prices and even if you are so lucky as to be third in line at the register, you are looking at fifteen minutes wait as the checkout lady pla...
by snowman
Sun Oct 23, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Replacement Windshield Wiper Blades
Replies: 38
Views: 3648

Re: Replacement Windshield Wiper Blades

Many years of experience, multiple cars, harsh environment for rubber blades (Colorado). Not very good: Trico, Goodyear (from Costco), Bosch MicroEdge, Nissan OEM Mostly good: Bosch Icon, Honda OEM Consistently very good: Bosch Excel+ They each have their pluses and minuses - how well they clean, ho...
by snowman
Thu Oct 20, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Portable battery jumpers
Replies: 14
Views: 1548

Re: Portable battery jumpers

I have the big one from Costco, it generally costs around $75. Had it for many years, I like it a lot. I bought it as an emergency jump start when we are camping and far away from civilization (no AAA, no cell signal, no friends' car, no help whatsoever). Had to use it only once, jump started my SUV...
by snowman
Tue Oct 18, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 478
Views: 64521

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

All in all, Merrill Edge is the best deal when that offer is available because of the extras you mention, plus slightly lower required amounts with shorter holding periods. Things can and likely will change. How often does the $1K offer come online? Is it fairly regular, or only once a year? As rep...
by snowman
Mon Oct 17, 2016 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Laid off at 40 - What to do?
Replies: 42
Views: 6919

Re: Laid off at 40 - What to do?

I don't understand why you are not retired or very close to it right now.. Because his wife doesn't want him to be retired. She doesn't think it is "fair" for him to not work while she does. She uses socialization at the day care as the excuse. Yep, that's the way I see it too. This situa...
by snowman
Fri Oct 14, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: Budget car advice; so so tired of the noise levels
Replies: 75
Views: 8068

Re: Budget car advice; so so tired of the noise levels

You already got many good suggestions, I would just summarize for you from my perspective: 1. Small cars will generally be the loudest cars; they will also generally be the worst performers on pothole ridden roads. 2. Older cars will generally be louder compared to newer cars, across all product lin...
by snowman
Thu Sep 29, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement/Mobile Lifestyle
Replies: 24
Views: 2613

Re: Early Retirement/Mobile Lifestyle

Rick. I am pretty sure a "toad" is a type of frog. But I have been told that a "towed" is a small car that is towed behind a RV motor home. :happy :happy Good Luck. All this time I though a "towed" car was called a "toad". Dah! LOL We are preparing for this l...
by snowman
Mon Sep 12, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Subaru window treatment
Replies: 9
Views: 1163

Re: Subaru window treatment

I have it on my Honda and love it, I think it's 30% (whatever was legal in my state). Should have done it right when I bought it, it made such a positive difference! It will help on getting the car cooler on hot days, as well as keeping it cool (AC doesn't work as hard). It also helps with night dri...
by snowman
Fri Sep 09, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 6390

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

I appreciate all the advice... What's really tough is my parent's house is extremely small (2 bed, 1 bath about 900-1000 sq ft). We are living in the garage-turned-living space. We really need space and our own place and that's what is making this decision so rushed and hard. Don't get me wrong, I'...
by snowman
Wed Sep 07, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 6390

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

Do it right: 1) Marry the girlfriend 2) Continue living @ parents house; Rent if you can't do that 3) Pay off her $50k debt 4) Save up for the down payment (20%) 5) Buy the house This would be my advise as well if you were my son. I would not entertain buying right now in your situation. You also m...
by snowman
Sat Sep 03, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: How do you stop yourself from checking your balances?
Replies: 66
Views: 5030

Re: How do you stop yourself from checking your balances?

A good bear market will be your best friend in this regard! You will learn that the best way to avoid pain is to not see the carnage at all. After it's all over, your obsession will subside, but you will still want to login at least weekly to make sure there are no screw-ups in your accounts.

Go to advanced search