Search found 290 matches

by El Greco
Wed Sep 19, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 189
Views: 11006

Re: What is your single most expensive mistake?

It's a toss up:

NOT buying Apple at $14 a share

SELLING Netflix at $32 a share
by El Greco
Wed Sep 19, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 67
Views: 1964

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

I agree with others. BMW is too much car for someone with your salary. You leased it, had your fling and fun. Reconsider down the line. For now, buy the new Civic,or perhaps a new Mazda3. You can probably get manufacturer 0% financing on the Mazda and it's a sharp, little ride. I would never buy out...
by El Greco
Tue Sep 18, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank is the Devil
Replies: 46
Views: 5524

Re: Chase Bank is the Devil

I had a very poor and unfair experience with Chase 20 years ago. I made sure I quit them loudly and distinctly at a local branch, promising to never do business with them again in any capacity. I kept my word and have since advised many people in the ensuing 20 years, not to do business with them ei...
by El Greco
Wed Sep 12, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner insurance coverage
Replies: 21
Views: 1148

Re: Homeowner insurance coverage

FYI, I can attest that Liberty Mutual will stick it to you good for being a long time customer.
by El Greco
Thu Sep 06, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: could windshield claim to insurance impact what i pay?
Replies: 14
Views: 773

Re: could windshield claim to insurance impact what i pay?

I have made a few glass claims through the years. It has never seemed to impact my insurance rates. Our company at the time was Liberty Mutual. Your company will tell you where they want you to take it for repairs. In my area, Safelite is the big player. If it's a substantial windshield crack insist...
by El Greco
Tue Sep 04, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9493

Re: What is your stealth way to save monthly?

We pay for just about everything with a Fidelity 2% Cash back credit card and have the money deposited directly in a taxable account. You can painlessly save hundreds of dollars a year this way. Since we max out our 401k accounts and don't have much money left over from our pay to invest in our ROTH...
by El Greco
Thu Aug 30, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 34
Views: 2436

Re: Bosch dishwasher odor

Gee. I have a Plain-Jane Whirpool dishwasher and have experienced none of the issues you folks are having with your fancy-pants Bosch dishwashers. :D

PS: Oh, and it's very quiet, too.
by El Greco
Thu Aug 23, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12058

Re: Good Non-Boring Boglehead Cars Under $30k

Why are there so many recommendations for the Mazda 3? What's the attraction here? The engine sounds like a lawn mower, it has the worst road noise of any car on the market save maybe the Yaris, and it certainly doesn't make up for its lack of power with snappy handling like the BRZ/Miata/Golf. It'...
by El Greco
Tue Aug 21, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12058

Re: Good Non-Boring Boglehead Cars Under $30k

Take a hard look at Mazda. Great styling, terrific driving dynamics and superb bang for the buck. They are all very well equipped, reliable and have good safety ratings without being dull. Many choices in your price range including Miata, Mazda3, Mazda6, or CX-5 (if you want a sport ute). Just take ...
by El Greco
Tue Aug 21, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: How many brokers do you use simultaneously?
Replies: 16
Views: 741

Re: How many brokers do you use simultaneously?

Between me and my wife we have several accounts spread out over 2 brokers (IRAs, Roths, Taxable). I check them every trading day and sometimes on weekends. In my opinion, it is one of the best security measures I can have. If I see anything "funny" going on, I can cut it off at the pass. We're also ...
by El Greco
Wed Aug 08, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: 2016 Volvo XC90
Replies: 17
Views: 1628

Re: 2016 Volvo XC90

To quote Emeril Lagasse: "If it smells like fish, buy the lamb."
by El Greco
Tue Aug 07, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6306

Re: are mccormick gourmet spices better

McCormick spices are grossly overpriced. In my area we have a gourmet chain of supermarkets called Fairway that carry an excellent selection of reasonably priced house brand spices. They have a terrific house brand Dijon mustard that's ridiculously cheap, too
by El Greco
Mon Aug 06, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm
Replies: 19
Views: 1094

Re: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm

It took 6 weeks to move a small Roth Ira from Janus to Vanguard. This was about a year ago. I could not transfer funds in kind, so I had to go to cash, and money stayed out of the market for 6 weeks while Vanguard dithered around making the transfer. It took several phone calls and emails to straigh...
by El Greco
Mon Aug 06, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: HELOC
Replies: 20
Views: 1420

Re: HELOC

I think a HELOC is a great thing to have in your financial arsenal provided you have the discipline to use it properly. We have continuously had a HELOC for almost as long as we've owned a home (about 30 years). Sometimes we use it, sometimes we don't. We've used it for new car purchases because the...
by El Greco
Thu Aug 02, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4851

Re: Which diet soda pop do you enjoy?

Diet Pepsi. I think Diet Coke tastes awful.
by El Greco
Tue Jul 31, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Two Days on Long Island
Replies: 16
Views: 1542

Re: Two Days on Long Island

livesoft wrote:
Tue Jul 31, 2018 12:31 am
Check out who is performing at the Paramount in Huntington, NY. It's a smallish venue and superb. I see Brit Floyd is there on August 1. I may have to fly up just to see them again.
Seeing them at the Paramount, tomorrow. I'll say hello for you. 8-)
by El Greco
Tue Jul 31, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6334

Re: Hold one stock 25 years

BTW Con Ed is famous for cutting the dividend in the 1970s. At the stockholders meeting, retired seniors in tears begged them not to do this. [/quote] I remember that well. It was 1974 and Con Ed was my very first stock acquisition. After they suspended the dividend (the first time since 1885) the s...
by El Greco
Sun Jul 29, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Any problems with freezer "drawer" models
Replies: 40
Views: 2877

Re: Any problems with freezer "drawer" models

I have this design for the last 5 years. Kenmore elite which is really LG brand. Has performed flawlessly and drawers are very sturdy. The ice maker is also in the top drawer which has also performed well. Big bin that holds plenty of ice, which is good because I like ice.
by El Greco
Sat Jul 28, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6334

Re: Hold one stock 25 years

Verizon. I've held it for 10 years, and will hold it at least another 15. Forget about oil, forget about commodities, forget about retailers. Any company that comes up with new and better ways to allow people to talk,text and send pictures incessantly is a winner in my book. :D
by El Greco
Thu Jul 26, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: How to make opened bottles of wine last longer
Replies: 38
Views: 2997

Re: How to make opened bottles of wine last longer

Perhaps my palate isn't as sensitive, but I find that the Vac-U-Vin brand of rubber stoppers and hand vacuum pump work quite well to help keep open bottles of wine tasting good for up to a week or two. https://www.amazon.com/dp/B000GA3KCE/ref=dp_cerb_2 I also started using stoppers that come as an a...
by El Greco
Thu Jul 19, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7558

Re: How do you handle the urge to DO something?

I think about all of the dumb things I DID in the past. That usually cures me.
by El Greco
Tue Jul 17, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10025

Re: Why own a bed?

Bed? Bah, Humbug!
by El Greco
Fri Jul 13, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5811

Re: Would you trade experiences in your youth for early retirement

I had many wonderful experiences in my youth that I wouldn't trade for, but are part of the reason why I won't be able to early retire. You see, I was having so much fun that I didn't get a "real" job until I was 29. Didn't really start saving until my late thirties because my wife and I did a lot o...
by El Greco
Wed Jul 11, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 31986

Re: Concierge medicine Worth It????

This phenomenon has been discussed on doctor forums I participate in. Is it better to have a BMW or an old Honda parked in the doctor's spot at the office? There are patients who believe a Honda means the doctor is not very successful while others like the idea that the doctor drives the same car t...
by El Greco
Wed Jul 11, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 31986

Re: Concierge medicine Worth It????

This phenomenon has been discussed on doctor forums I participate in. Is it better to have a BMW or an old Honda parked in the doctor's spot at the office? There are patients who believe a Honda means the doctor is not very successful while others like the idea that the doctor drives the same car t...
by El Greco
Tue Jul 10, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Thoroughly cleaning grimy tile
Replies: 19
Views: 2326

Re: Thoroughly cleaning grimy tile

Magic Erasers are good, but it depends on how grimy the tile is and what the grime is comprised of. Where we live, the local water supply deposits a yellow-orange type of scale which nothing seems to touch–even Magic Erasers. After years of repeated failures, my wife used a green Scotchbrite pad in ...
by El Greco
Tue Jul 10, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4859

Re: Which advanced tech is necessary in cars?

Don't listen to all the Luddites on here. Unless you exclusively drive 30 mph on deserted country back lanes, these new features can be quite useful and make you a better and safer driver. Personally, I find Blind Spot monitoring very helpful. It's like another set of eyes in fast moving highway tra...
by El Greco
Mon Jul 02, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 358960

Re: What are you up YTD? [Year To Date]

Up? I don't consider fractions, "up".
by El Greco
Sun Jul 01, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: How does this ebay scam work?
Replies: 13
Views: 2330

Re: How does this ebay scam work?

Experienced eBay seller here. Most likely not a scam. A mistake. Ebay is not friendly to sellers. If a buyer does not like an item for ANY reason, eBay will force seller to take back the item, refund money and pay for shipping in both directions, the cost of which can be considerable. As a seller, y...
by El Greco
Thu Jun 28, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6506

Re: Vanguard is really pushing their Personal Adviser Service

My only wish is that Fidelity offered the same service with the same AUM so that all of ones money doesn't need to be in one place. There is the Fidelity Go service that is competitive with Vanguard PAS. My understanding is that Fidelity GO is completely a Robo Advisor. I would like to see somethin...
by El Greco
Thu Jun 28, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6506

Re: Vanguard is really pushing their Personal Adviser Service

You folks live in a bubble. The Boglehead Bubble. The vast majority of people that I know have zero knowledge about investing. They have a "guy" that rips them off for 2-3% a year, frequently with front loads on top of that, so I don't begrudge Vanguard their .3%. They are a business, after all, not...
by El Greco
Sat Jun 23, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 42
Views: 4335

Re: Looking for Mazda CX-9 Feedback

I'm a little perplexed by the low reliability ratings for Mazdas. I bought my 2014 Mazda 6 new and it's been tight and trouble free 40,000 miles later. Plus I know several other recent Mazda owners who love their vehicles and haven't had a spot of trouble with them. They own CX-9, CX-5, Mazda 6, Maz...
by El Greco
Thu Jun 21, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 5800

Re: "distilled" water for wife's CPAP machine

My wife uses a CPAP machine at night and the one she uses has a container for water. She buys "distilled" water. Before I suggest this to her - I wonder if the condensed water from a dehumidifier might be satisfactory as a "free" alternative? OP, thanks for this post. I'm going to show it to my wif...
by El Greco
Thu Jun 21, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 34750

Re: What is/ was your career and would you recommend it now?

Advertising Creative Director. It used to be a fun, glamorous and relatively well-paid career. Now, not so much. I've noticed that most positions pay about the same amount as when i first started about 30 years ago, NOT adjusted for inflation. Now it is a lot less about creativity and a lot more abo...
by El Greco
Tue Jun 19, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 4076

Re: Article on hotel booking sites - no bargains

I always book hotels direct and get better prices–and rooms–than the sites are usually offering. Sometimes I call, and have frequently obtained an even better deal, particularly with a hotel that is not affiliated with a huge chain.
by El Greco
Wed Jun 13, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2876

Re: Trade-up my $89 Walmart bike

Don't be cheap. Buy the DS1 or DS2. You'll be glad you did. 10 years ago I agonized about spending $350 dollars on an entry level Trek Hybrid 7200. Best money I ever spent as far as health benefits and enjoyment. Last year bike was stolen, and again, I agonized over replacing it with a more expensiv...
by El Greco
Tue Jun 12, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 38630

Re: Bogleheads, tell me about your 40's?

I am now in my sixties but when I entered my forties I made this observation:

When you're over 40 and you wake up in the morning with a weird pain, your first question should be: "Is this permanent?"
by El Greco
Sun Jun 03, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2796

Re: Need to replace my Vizio TV..............

I had a bad experience with Vizio, too. Hdmi ports went bad causing sound not to play on high def stations, plus an inexplicable noise line at the top of the screen. Tossed it in the Outback and took it back to Costco, where I got full credit and bought a Sony. Very happy with the Sony. Subsequently...
by El Greco
Thu May 31, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18207

Re: Top Shelf Liquor Overrated?

I have two. I occasionally enjoy a vodka martini and never found anything better than Skyy, and that includes Grey Goose. I also buy Gran Gala (an Italian knockoff) for 1/2 the price of Grand Marnier and I actually like it better.
by El Greco
Thu May 24, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: auto insurance quotes
Replies: 7
Views: 825

Re: auto insurance quotes

I've been doing a bit of shopping for car insurance, for the first time in many years. My current coverage is with Liberty Mutual... it expires in a few weeks, and if I renew the cost will be $1083/year. I went online this afternoon and got quotes from GEICO and Progressive. GEICO's price is $365 p...
by El Greco
Thu May 24, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: NY Insurance Costs on the Rise
Replies: 21
Views: 2059

Re: NY Insurance Costs on the Rise

I live on Long Island, too, and allowed Liberty Mutual to [take advantage of me --admin LadyGeek] on premiums for years. Very long time customer with no claims which I thought would qualify me for a rate break. Absolutely the opposite. When I complained they absolutely refused to budge on premiums....
by El Greco
Thu May 24, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: NY Insurance Costs on the Rise
Replies: 21
Views: 2059

Re: NY Insurance Costs on the Rise

I live on Long Island, too, and allowed Liberty Mutual to [take advantage of me --admin LadyGeek] on premiums for years. Very long time customer with no claims which I thought would qualify me for a rate break. Absolutely the opposite. When I complained they absolutely refused to budge on premiums. ...
by El Greco
Mon May 21, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Anyone Using Food Sealing Vacuums (eg FoodSaver)?
Replies: 23
Views: 1995

Re: Anyone Using Food Sealing Vacuums (eg FoodSaver)?

I have a foodsaver on my kitchen counter and a small freezer in my basement. I bought it at Costco on sale for a bit over a $100 and it's a fairly high end one. We use it mainly for bagging up dinner sized portions of fresh meat and fish which we buy in bulk (usually Costco). Works great, keeps stuf...
by El Greco
Mon May 21, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Check Letter / Notice from IRS Online
Replies: 9
Views: 1516

Re: Check Letter / Notice from IRS Online

Why don't you call the IRS and explain the situation? I'm sure if you owe them money, they'll be happy to tell you. If you tell them your taxpayer id/SS # I'm pretty sure they'll have a record of whatever communications were sent out to you.
by El Greco
Fri May 18, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Surgeon salary vs owning a business salary/profit?
Replies: 47
Views: 4557

Re: Surgeon salary vs owning a business salary/profit?

OP. Do everyone a favor. If making a lot of money is your only goal, please don't become a surgeon.
by El Greco
Thu May 17, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any experienced real-estate people here?
Replies: 39
Views: 4045

Re: Are there any experienced real-estate people here?

I've sold a few houses. My absolutely best return on investment has been a fresh coat of paint. Preferably white. And clear out all of the junk. Any reasonably decent paint job will do.
by El Greco
Thu May 17, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 9903

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

I'd recommend test driving a Mazda CX-9 Grand Touring or Signature. Both can be bought for less than $40k, they are loaded, better looking than these 3, sportier, great interior, proven reliability, etc. Ditto on the Mazda CX-9. You get incredible bang for the buck with Mazdas and the CX-9 is reall...
by El Greco
Mon May 14, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9366

Re: Is there a boglehead muscle car?

gundlached wrote:
Mon May 14, 2018 12:13 pm
El Greco wrote:
Mon May 14, 2018 8:57 am
Boglehead muscle car?

A 25 year old Toyota Camry with a spoiler.
In "champagne" beige
NICE!