Search found 2386 matches

by neilpilot
Sun May 19, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Another car question- repair or buy
Replies: 6
Views: 287

Re: Another car question- repair or buy

Without knowing any further details about your car, I'd put the value after spending $2k on the transmission swap at $3500 +/- $500. If your Cruze is in otherwise excellent condition without any significant delayed maintenance, the repair maybe worthwhile. Otherwise, maybe not worth doing and you mi...
by neilpilot
Sat May 18, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Timing Belt and water pump -'98 Camry
Replies: 4
Views: 502

Re: Timing Belt and water pump -'98 Camry

While there are conflicting references, the '98 Camry belt replacement is recommended at 90k or 7 years, which ever comes first. Since your's had been in service for a couple decades, it was way past it's service life. You were lucky. I hope a new tensioner was part of the job.
by neilpilot
Sat May 18, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 28
Views: 1702

Re: Long Term Care Insurance

When making the choice, ask yourself what risk you are trying to insure. I am married. For me personally, the risk I would need insurance for would be one spouse requiring a very long time in care. By a long time I mean substantially more than 3 years, maybe above 10 years. In such a case I would w...
by neilpilot
Sat May 18, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 28
Views: 1702

Re: Long Term Care Insurance

….if one does "wait'", then your health status could change, meaning you'd either have to get a much more expensive policy than someone of the same age who is "healthy", or you might not qualify for any policy at all. RM +10 We each purchased a Hartford group LTC policy way back in 1999 when we wer...
by neilpilot
Sat May 18, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: HOW to pay off a mortgage
Replies: 11
Views: 1755

Re: HOW to pay off a mortgage

Just call the lender and ask for a payoff amount.....then mail them a check for that amount. If you have an escrow, they should settle that with you within 1-2 months after payoff.
by neilpilot
Fri May 17, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Covering outdoor patio furniture
Replies: 9
Views: 641

Re: Covering outdoor patio furniture

But be careful, since if they are improperly covered and can't breathe mold will form on those covered cushions
by neilpilot
Fri May 17, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Why do plumbers get paid so well?
Replies: 84
Views: 6048

Re: Why do plumbers get paid so well?

I don't know why plumbers get paid so much and I refuse to pay for it. That's why I do my own plumbing work. I do leave the electrical work to electricians though. I'm comfortable doing the work but if I do a poor job with the pipes, I get a leak. Bad electrical could spark a fire. In my area plumb...
by neilpilot
Fri May 17, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 41
Views: 2533

Re: Synthetic oil or not for very low mileage auto?

WhiteMaxima wrote:
Fri May 17, 2019 3:02 pm
if you have a turbo DI engine, stay with synthetic with low NOACK (some kind of hi temp ash rate). Penzoil (shell) 0W30 european true synthetic.
Wow, I had no idea there was anything like a turbo diesel Miata
by neilpilot
Thu May 16, 2019 3:44 pm
Forum: Investing - Theory, News & General
Topic: How do brokerage firms make money anymore?
Replies: 16
Views: 1703

Re: How do brokerage firms make money anymore?

New accounts, especially when a bonus is involved, may be a loss-leader for some Bogelheads. We transferred assets into 2 new ME accounts. In the 6 months the accounts were active, there was 1 free trade and a very negligible MM balance; all dividends were reinvested. Assets were transferred out at ...
by neilpilot
Thu May 16, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Fixing Bad Lawn
Replies: 13
Views: 2049

Re: Fixing Bad Lawn

My advice is to contact your local (county) agricultural agent for advice that's specific to you & your locality
by neilpilot
Wed May 15, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 824
Views: 81167

Re: What frugal thing did you do today?

Bought a $100 gift card from my barber which comes with a $25 bonus gift card, so my haircuts will now be effectively 25% off for awhile. Also clipped a $2 coupon from the same place. And I only get my hair cut on Tuesdays when the price is always $2 off. And no, I won’t consider cutting my own hai...
by neilpilot
Tue May 14, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2138

Re: Using my Cell Phone in England

You could change your service to Google Fi here in the US and then just smile when you land in the UK and it connects automatically to a local cell provider. I'll be doing this in a few months... Yes. I did smile when I landed in the UK in 2017 with my Fi phone, and it just worked, both phone and d...
by neilpilot
Tue May 14, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2138

Re: Using my Cell Phone in England

....... no excuse for "getting lost somewhere on the road", since there are very capable phone/iPad navigators that don't require any data. Assuming you know where you are going, HERE with downloaded maps hasn't let me down yet, both driving & walking. Good point about Here, I have never used it bu...
by neilpilot
Tue May 14, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2138

Re: Using my Cell Phone in England

The best (service) and cheapest way is to pick up a local SIM card if your phone is unlocked . Verizon phones are unlocked so you should be good. You can buy them at any grocery store etc. I was in London last month and used Vodaphone. They had couple of good deals, €10 for 2 GB data and umlimted t...
by neilpilot
Tue May 14, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: One-day sale on cable modems [Amazon]
Replies: 14
Views: 1047

Re: One-day sale on cable modems [Amazon]

I have a question stemming from my ignorance: Why would I ever want a faster cable modem? My current modem is a Motorola SB5101U, and I have no trouble with loading web pages or streaming videos. My cable company keeps asking me to upgrade the modem, and I wonder why would I? My currently measured ...
by neilpilot
Tue May 14, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Pay myself for pilot training or invest them?
Replies: 18
Views: 1212

Re: Pay myself for pilot training or invest them?

After the commercial, consider working for a Part 135 operation to work up to your ATP.
by neilpilot
Tue May 14, 2019 6:46 am
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2138

Re: Using my Cell Phone in England

The best (service) and cheapest way is to pick up a local SIM card if your phone is unlocked . Verizon phones are unlocked so you should be good. You can buy them at any grocery store etc. I was in London last month and used Vodaphone. They had couple of good deals, €10 for 2 GB data and umlimted t...
by neilpilot
Mon May 13, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2317

Re: PSA: Do you have working carbon monoxide detectors?

A very good safety reminder - we buy them in 20 packs. In 20 packs.....Do you share them throughout the neighborhood? We just replaced all 8 of our hardwired smoke detectors (13 years old) because they were falsely tripping. When replacing, I decided to replace them with hardwired smoke detectors +...
by neilpilot
Mon May 13, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5750

Re: Car lost acceleration

I would, but most repairs require equipment to purchase or do things I am not going to do like jack up a car and get under it, or get under a car in general, or mess with brakes as one mistakes and people can die from me not having brakes. Knowing about something doesnt mean I will do it myself, I ...
by neilpilot
Mon May 13, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5750

Re: Car lost acceleration

They love to say calpers as well because they know if we knew about them we could change the brakes ourselves but if we cant we dont know enough to know if calpers are needed or not, and that doubles the price....and then all of the sudden we are up to a ridiculous $500 for brakes. Calipers need to...
by neilpilot
Mon May 13, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much can parents gift children in 2019 tax free?
Replies: 38
Views: 4645

Re: How much can parents gift children in 2019 tax free?

I have never really figured this part out. I mean a high worth BH routinely pays $0.25M per child (~$65K per year at better private school in my neighborhood) to put her through college. How is it technically any different than paying for her wedding? At least for the wedding one can argue that the...
by neilpilot
Sun May 12, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5750

Re: Car lost acceleration

That would suggest water or bad fuel in the gas tank. In that last week, did you put gas in the car? Actually, it's more likely that the intermittent battery connection was causing the ecu to throw the car into limp mode. That's why I posted in this thread on 5/2 to first secure the battery and the...
by neilpilot
Sun May 12, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 2951

Re: Best month to visit London?

I’ve been to London many times around Christmas and NewYear, now I avoid going at this time anywhere. Crazy time to get cheap airfares. Probably more expensive than normal. But maybe best to go to Harrods and wait for the sale in January. OTOH you can often find a cheap airfare on the actual holida...
by neilpilot
Sun May 12, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 2951

Re: Best month to visit London?

I’ve been to London many times around Christmas and NewYear, now I avoid going at this time anywhere. Crazy time to get cheap airfares. Probably more expensive than normal. But maybe best to go to Harrods and wait for the sale in January. OTOH you can often find a cheap airfare on the actual holida...
by neilpilot
Sun May 12, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1004
Views: 143409

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CULater wrote:
Sun May 12, 2019 7:48 am
Obviously, they have no way of determining if there is oil dilution at the dealership, since that requires an oil analysis.
Actually, the mechanic's nose is sometimes available. Odor is usually sufficient to qualitatively determine significant fuel content in the oil.
by neilpilot
Sun May 12, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2138

Re: Using my Cell Phone in England

As other's have said depends on your phone, carrier and your needs. Last spring we used our Xfinity Mobile sim and paid $0.10/min for voice, $0.10 per text, and limited our data usage to wifi (free). Since we are not using our phone much, our cost for that brief 2 days stay was a couple $$. We will ...
by neilpilot
Sat May 11, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much can parents gift children in 2019 tax free?
Replies: 38
Views: 4645

Re: How much can parents gift children in 2019 tax free?

Hi, My parents are going to loan or gift me $50,000 this year. What is the maximum amount that they can give me in 2019? I have two parents, and am married. Can they give my wife and I only $15k tax free this year? Or is it 30k because it's two parents? Or can they give me 15k and my wife 15k? Last...
by neilpilot
Sat May 11, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1004
Views: 143409

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CULater: Is the stress, anxiety, anger, etc that you have been feeling for a long time due to this car worth the $8k or whatever you're trying to save here? I'm honestly puzzled why you still have it. What's the point of being a Boglehead if you can't even spend a bit of money to get rid of some mi...
by neilpilot
Fri May 10, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Self-Propelled Lawn Mower
Replies: 19
Views: 935

Re: Self-Propelled Lawn Mower

I've found this thread informative; it may become useful if the mower I currently use ever quits. I bought my self propelled Honda in 1986 (not a misprint), and it's still going strong. I've done an annual oil change, and occasional blade, spark plug and air filter changes. Other than that, the only...
by neilpilot
Thu May 09, 2019 4:20 pm
Forum: Personal Investments
Topic: Brokerages with no-transaction fees for Vanguard funds
Replies: 21
Views: 1288

Re: Brokerages with no-transaction fees for Vanguard funds

As other's have said, it's probably best to convert MFs to ETFs before transferring from Vanguard. Then, unless you plan to trade often you should consider going with a discount broker such as ME or TDA that will give you a new account bonus. I gave up on ME due to customer service issues, but have ...
by neilpilot
Thu May 09, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: New car issues, possible lemon law (NC)
Replies: 14
Views: 1588

Re: New car issues, possible lemon law (NC)

Lemon law is not going to apply to a small "extra" feature like that. By any chance were you driving in rain or snow? Those systems rely on small cameras that can get obscured by water or ice. Incorrect. I know of a Mercedes that was returned under the lemon law in CA due to an intermittent bluetoo...
by neilpilot
Thu May 09, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Does one need a local driver's license to buy and register a car?
Replies: 9
Views: 794

Re: Does one need a local driver's license to buy and register a car?

At least in the 4 states I’m familiar with, you don’t need a driver license to title or register a car, local or otherwise.
by neilpilot
Wed May 08, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO assigning higher risk driver to more expensive car
Replies: 8
Views: 939

Re: GEICO assigning higher risk driver to more expensive car

I have Farmers and we can assign any person as the primary driver to any car. The rates change based on the driver and car. But anyone named on the plan can drive any vehicle in the plan. By switching around a couple drivers, we saved over $500 on the 6 month premium. That's good, but that flexibil...
by neilpilot
Wed May 08, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: pre-qualified to get on the list
Replies: 45
Views: 2950

Re: pre-qualified to get on the list

Why not just ask the builder what to do being a cash buyer? Guaranteed they can answer you question a lot better than the internet can. We're literally talking about a 5 minute phone call. I went through this a couple of years ago. The sales rep started talking to me about all this kind of stuff. I...
by neilpilot
Tue May 07, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 4183

Re: wedding gift value

Tough. Just went to a wedding and gave $150. The couple we went to gave us $200 when we got married. Difference being that their wedding required a 6 hour drive each way, $200 in hotel stays, and feeding ourselves for the weekend save dinner on wedding night. Ours was local to them. Maybe it was pe...
by neilpilot
Tue May 07, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Aligning Insurance and Umbrella Limits
Replies: 16
Views: 1008

Re: Aligning Insurance and Umbrella Limits

This may be semantics. In that example the umbrella policy would pay out a max of $700k 1$M . Since the total coverage was $1M, they call it a $1M policy. They were very clear that the total coverage would NOT be $1.3M. As I said, they did not offer different rates for different amounts of underlyi...
by neilpilot
Tue May 07, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Lost Mail
Replies: 29
Views: 1615

Re: Lost Mail

I mailed two checks to vendors from the PO on April 1st for nominal amounts, $70 and $69. Neither made it to the addressees (one of which is a couple of zip codes away). I stopped payment late April ($32 each!). Called the bank this morning and neither check has hit the account. Question: is there ...
by neilpilot
Tue May 07, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: pre-qualified to get on the list
Replies: 45
Views: 2950

Re: pre-approval to get on the list

I don't see why you wouldn't get a 15/1 ARM or something, even if you have the cash on hand. 3.2% or whatever interest rates that you can deduct for taxes is the great giveaway of modern US. Of course, you only get the full advantage of that tax write-off if all of your other deductions meet or exc...
by neilpilot
Tue May 07, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Aligning Insurance and Umbrella Limits
Replies: 16
Views: 1008

Re: Aligning Insurance and Umbrella Limits

You could be correct for your policy, but that is not the way the umbrella policies I have had work. My policies specified the maximum coverage I would have, including the underlying policy. If I bought a $1M umbrella policy, that meant that the combined effect of the underlying policy and the umbr...
by neilpilot
Mon May 06, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Winter Tires All Year?
Replies: 62
Views: 3511

Re: Winter Tires All Year?

If you care enough to use winter tires, then you might care enough to see the poorer characteristics of winter tires on hot dry roads. You can compare specs like dry stopping distance and see the difference. OP here...Good thought. I just searched for stopping distance on DRY road from 60mph: All-S...
by neilpilot
Sun May 05, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: thinking about un-retiring
Replies: 42
Views: 6694

Re: thinking about un-retiring

just a quick update, I decided to unretire into a five-week project working 20 hours per week. comp is higher than anticipated. I've had to learn a lot of new tech (cloud architecture) and it's been all kinds of fun to engage my brain in that way. I'll take stock in five weeks and see if I want to ...
by neilpilot
Sun May 05, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5750

Re: Car lost acceleration

In some cases is really very dangerous to replace hood mechanisms so it's not always the trivial job everyone is suggesting. Some hoods have single struts and then if you don't have someone to hold the hood for you, you do have to rely on bracing it, but that can be very precarious. Also many hoods...
by neilpilot
Sun May 05, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: How much cash in London?
Replies: 54
Views: 3103

Re: How much cash in London?

Consider Uber as an alternative to a cab in London. Simply charged to your app.
by neilpilot
Sun May 05, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10845

Re: Rarely used items that are worth having?

No doubt, a full size, dry powder fire extinguisher. Having never needed to use one, what size fire would be one be able to tackle with a household size fire extinguisher? Given my lack of experience in fighting fires, I'm probably better off picking up a phone and calling the fire company before t...
by neilpilot
Sat May 04, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10845

Re: Rarely used items that are worth having?

Jumper cables. When I was young and drove old cars I needed them a lot. Not so much now, but it will also give you a chance to be a Good Samaritan occasionally. When I acquire a new car, the first thing I buy is a set of jumper cables to keep in it. They see use every couple years or so...sometimes...
by neilpilot
Sat May 04, 2019 7:37 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1745
Views: 272207

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I assume these bonuses are taxable to everyone? After transferring 250k to TDA last year we received $600 in Apple gift cards which showed up as taxable income on our 1099. Sorry, I didn't read the whole thread.. It depends.....taxable if awarded to a taxable account. Tax deferred if the bonus goes...
by neilpilot
Fri May 03, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10845

Re: Rarely used items that are worth having?

A wrench stored next to your gas meter's shutoff valve, if you live in an area such as I do that's a high earthquake risk
by neilpilot
Thu May 02, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5750

Re: Car lost acceleration

LOL, I would do this, but I need a second person to help me, because this car the hood is hydrolic and it was broke when I got the car, so one person always has to hold the hood up for someone to work on it, and cant have wife leave both kids in house alone to help. Id have to get a neighbor. But t...
by neilpilot
Thu May 02, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: DIY amendment to Trust?
Replies: 22
Views: 1889

Re: DIY amendment to Trust?

I DIYed an amendment to our revocable trust for a similar reason; change of Successor Trustee as well as some minor changes. Since this was the first amendment and I had no example to copy, I used a template I found on the internet. After I prepared the amendment I paid a lawyer to review the amendm...
by neilpilot
Thu May 02, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5750

Re: Car lost acceleration

YEs it goes on when key is in ignition, but also other issue, funny enough is I am having a problem with the battery it isn't secured tightly because the arm over the top of it broke, so it I hit a pothole when I turn the car off and back on, it will not work until I adjust the battery, then the ca...