Search found 450 matches

by Alexa9
Fri Dec 08, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 64
Views: 3517

Re: I am buying a car: Most/Least Reliable Makes?

Consumer Reports does not like the reliability of honda/acura. They used to be reliable in the 90s, but not so much now. CR's "talking about cars" people slam the reliability of nissan, and honda's rating isn't much better. There is an episode of CR's "talking about cars" in which they lament honda...
by Alexa9
Fri Dec 08, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 64
Views: 3517

Re: I am buying a car: Most/Least Reliable Makes?

BMW's reliably impress passengers and passers by alike. They are nice looking and conservative. The turbos and electronics in German cars are supposedly unreliable. I subscribed to one month of Consumer Reports for < $10 on my last car buying endeavor. Was a good resource. I've had superb results w...
by Alexa9
Fri Dec 08, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 64
Views: 3517

I am buying a car: Most/Least Reliable Makes?

I am buying a car before the year is over. I've heard the deals are the best at the end of the year. What are the most/least reliable makes to look at and avoid? I know it depends on the model but I'm interested in overall brand quality. Longest lasting, least problems. This is my impression from re...
by Alexa9
Thu Dec 07, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 54
Views: 19689

Re: Fidelity charges to close accounts!

I see these exit fees as a good reason never to come back! Really bad business move. It's not like the fee keeps people from leaving.
by Alexa9
Wed Dec 06, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1897

Re: Least/Most Reliable Carmakers Today

@Alexa9, why are you re-posting my post verbatim from a locked thread? As I said in that thread, dashboard-light is very up-front with what they monitor. This chart is long-term reliability of powertrain related issues only. http://www.dashboard-light.com/click-here-first/ Like that thread, this th...
by Alexa9
Wed Dec 06, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1897

Least/Most Reliable Carmakers Today

How are cars ranked by reliability today and do you trust the reviews? What are the brands to buy and avoid or does it completely depend on the model? "I think the 'Asian cars good, everything else bad' theory is way out of date. I've found this site to have good reliability data that broadly agrees...
by Alexa9
Tue Dec 05, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Past Perception of Automakers vs. Today
Replies: 11
Views: 643

Re: Past Perception of Automakers vs. Today

I think the 'Asian cars good, everything else bad' theory is way out of date. I've found this site to have good reliability data that broadly agrees with the overall market perception in most cases, and seems very good at identifying the problem models. http://www.dashboard-light.com This is what t...
by Alexa9
Tue Dec 05, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Past Perception of Automakers vs. Today
Replies: 11
Views: 643

Re: Past Perception of Automakers vs. Today

Have a fair amount of experience on doing the analysis on this, while combing through millions of records of data on cars. Asian Cars > US > Europe for vehicles sold in the US. There's a lot of truth to the perception. Some US manufacturers are better than others. Same for the Asian brands. US truc...
by Alexa9
Tue Dec 05, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Past Perception of Automakers vs. Today
Replies: 11
Views: 643

Past Perception of Automakers vs. Today

I know a lot of Bogleheads swear by Japanese cars for reliability and low cost to maintain. Some also swear by German cars for the driving experience or luxury. Some also curse them for cost to maintain or unreliability. I hear a lot of bad anecdotes about American cars but this might be old outdate...
by Alexa9
Tue Dec 05, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 1522

Running Linux vs Other OS?

Windows: Pros: Most Software/Games, Cons: Virus/Malware, Clunky UI Mac: Pros: Smooth OS, Better UI Cons: Limited Software Linux: Pros: Most Secure Cons: Least Popular Anyone have any other input, especially with running Linux? Looking to build a PC or NUC. The Mac Mini is almost 4 years old so debat...
by Alexa9
Mon Dec 04, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help Damsel In Distress
Replies: 15
Views: 2470

Re: Help Damsel In Distress

I would move everything to Vanguard. Use their Lifestrategy Conservative Growth Fund. It has 40% Stocks 60% Bonds. You are sitting on a lot of cash. I would use that towards a large down payment on a house or if you want to continue to rent I would read up on taxable investing. Don't rush into anyth...
by Alexa9
Sat Dec 02, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: Wellesley Fund gender diversity and climate focus
Replies: 9
Views: 1066

Re: Wellesley Fund gender diversity and climate focus

Political correctness in a fund offends people more than it attracts them and is not passive.
I know some people go out of their way to invest in "vice" stocks (alcohol, tobacco, and oil) and do very well.
by Alexa9
Sat Dec 02, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 220
Views: 15487

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

I view Bitcoin as a penny stock or a lottery ticket in terms of the odds of it succeeding and the potential rewards, but I could be wrong.
by Alexa9
Fri Dec 01, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3476

Re: Is 60/40 mix the sleep mix or 80/20 mix

80/20 is a young person allocation
60/40 is the traditional endowment ratio for universities and middle age allocation
40/60 is a retirement allocation
by Alexa9
Fri Dec 01, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8697

Re: Amount You Need To Save Annually Over Lifespan

Looking at a retirement calculator with exponential compound growth, the importance of saving a larger amount as young as possible and continuing to save allows you to retire earlier or more comfortably. I think $1M in your retirement accounts at age 50 is a reasonable goal and saving at least $20k/...
by Alexa9
Fri Dec 01, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8697

Re: Amount You Need To Save Annually Over Lifespan

I bring this up because many young people seem to live paycheck to paycheck and spend whatever they get whether it's the latest smart phone or an expensive vacation. They don't realize how much they need to save to retire. I rarely hear it mentioned that you should save X amount per year on average ...
by Alexa9
Fri Dec 01, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8697

Amount You Need To Save Annually Over Lifespan

Assuming you want $2M @ age 65: If you start saving for retirement at age 25 with zero debt, how much do you need to save on average using IRA/401k and Target Date Funds? Just a rough estimate. Assuming some people may save/make more as they get closer to retirement and buy a house when they are you...
by Alexa9
Thu Nov 30, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Negotiating used car - Toyota Highlander
Replies: 32
Views: 1895

Re: Negotiating used car - Toyota Highlander

Used cars are the most negotiable. Offer them your price, give them your phone number, and walk away. Don't get attached to one vehicle. The longer it sits there the better. Wait for a deal if you have the patience. You're better off buying used from a private party one owner with clean Carfax than ...
by Alexa9
Thu Nov 30, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Got cash ... What to buy?
Replies: 10
Views: 1159

Re: Got cash ... What to buy?

DCA using a penalty CD Ladder so you don't cheat and have time to think about it. Write your plan down. If you feel a market correction is coming, I'd suggest a 50/50 allocation or more conservative even if it helps you sleep at night.
by Alexa9
Wed Nov 29, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 71
Views: 6640

Re: How much to tip movers?

If they go above and beyond normal, I might tip $10 each. The best tip is to get hired again or a referral.
by Alexa9
Tue Nov 28, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5057

Re: Safest roomy luxury suv?

The only Luxury SUV I would buy would be a Lexus for long term reliability. It's consistently rated at the top for reliability. You can also buy used or CPO and have peace of mind that it should be reliable. I would definitely lease German Luxury or get an extended warranty and sell when it's up. I'...
by Alexa9
Tue Nov 28, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5115

Re: How Do You Stay Current With Popular Music?

Mainstream new pop music is mostly pretty bad IMO. There are plenty of indie artists that might appeal to you though if you search a bit. I would check local small venues around the country depending on what genre you like. Chicago - Blues. Nashville - Country. New York - Classical.
by Alexa9
Tue Nov 28, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: Tracking the Bitcoin Bubble in Real Time?
Replies: 70
Views: 4673

Re: Tracking the Bitcoin Bubble in Real Time?

Bitcoin is a hot topic. It could be boom or bust just like people scoffed at many other new companies: Google, Amazon, Facebook, etc.
I think the main flaws in Bitcoin is that the price is manipulated, it can be hacked, and people don't fully understand it (myself included).
by Alexa9
Tue Nov 28, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 31
Views: 2564

Re: Audiophile Headphones

A little update: Went with the Sennheiser HD650 ($315) and AudioTechnica ATH-M50x ($150). The Sennheisers are phenomenal. I will probably return the AudioTechnicas. The ZMF look nice but they're a little steep. I might give the Sonys a try too.
by Alexa9
Mon Nov 27, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 60
Views: 5078

Re: Amazon Prime - Decline in Delivery Service?

I’ve noticed this too. However USPS delivers on Sundays now so I tolerate 3-4 day shipping especially this time of year.
by Alexa9
Mon Nov 27, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 11771

Re: Bonds Are Riskier Than People Think

But, "bonds are riskier than people think?" I don't like that at all. What are the "people," what do they "think," and what do you mean by "bonds?" I am referring to Vanguard Total Bond Market and Vanguard Total International Bond Market. The most widely recommended bond funds by Vanguard and Bogle...
by Alexa9
Sun Nov 26, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone bail early and regret it?
Replies: 12
Views: 2830

Re: Anyone bail early and regret it?

I expected the market to tank years ago. I realize that it is unpredictable and following your gut is not advisable. Now I think it's better to have a conservative allocation than no allocation.
by Alexa9
Sun Nov 26, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 11771

Re: Bonds Are Riskier Than People Think

bottlecap wrote:
Sun Nov 26, 2017 8:35 pm
No one here says to keep money you can't afford to lose in bonds. We almost uniformly recommend CDs or savings account.

JT
Taylor Larimore wrote:
Wed Sep 06, 2017 10:43 pm

My "Bond Fund Philosophy" is simple:

Money that I cannot afford to lose is in cash and bonds (Vanguard Total Bond Market Index Fund).

Best wishes.
Taylor
by Alexa9
Sun Nov 26, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 11771

Re: Bonds Are Riskier Than People Think

Admittedly this is a doomsday scenario and protecting your butt in a global downturn that doesn't bounce back.
CD's are FDIC insured and have no risk other than losing out on rising interest rates.
by Alexa9
Sun Nov 26, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Women's socks for hot feet
Replies: 12
Views: 743

Re: Women's socks for hot feet

Smartwool running wool socks. Very thin, cool, and durable. Also dress in layers.
by Alexa9
Sun Nov 26, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 11771

Re: Bonds Are Riskier Than People Think

The largest dip I'm aware of, in the Vanguard Total Bond Market Index Fund, occurred in 1994. It was a dip of less than 6%, and there was full recovery of invested value (I am counting fund dividends) by mid-1995. Is that what you consider to be a "considerable amount" and an unacceptable risk? htt...
by Alexa9
Sun Nov 26, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 11771

Bonds Are Riskier Than People Think

Looking at recent dips in bonds in the past 20 years, I feel safer with some of my fixed income allocation in CD's with zero downside risk. I've heard it quoted on here that you should keep the money you can't afford to lose in bonds, but feel that is not a good theory especially for retirees. Not o...
by Alexa9
Sun Nov 26, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 2523

Re: Are there ant unspoken rules to "keep in touch" with previous boss?

Depends completely on the individual and whether you want to stay in touch. How good of an employee you were, how good of a boss they were, how long you worked there, etc. I've never heard of anyone saying you should stay in touch unless you are friends. They are good for a reference and a backup pl...
by Alexa9
Sat Nov 25, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 2894

Re: Wifi speakers-SONOS vs Echo/Google Home

Sonos sound quality is not that great but their wifi and whole house setup is nice if that's what you want. Personally, I prefer a wired system in the living room with better speakers connected to the TV. I'd like to have a pair of speakers in the living room connected to the TV and also like to be...
by Alexa9
Sat Nov 25, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17336

Re: The fallacy of spending money on "experiences" vs hard assets

The world is your oyster. Traveling is worth it if you enjoy it. If you're miserable while traveling, I don't see the point. Everyone's different. If you love luxury or sport cars, then a Mercedes or Porsche is a good choice. If you think a car should get you from point A to B, then a Honda is a bet...
by Alexa9
Sat Nov 25, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Job negotiation strategies
Replies: 6
Views: 857

Re: Job negotiation strategies

Sounds like car buying tactics. I would have what you want +/- 10% in your head and be willing to walk away. I'm not sure asking for a much higher amount would be wise unless they lowball you.
by Alexa9
Sat Nov 25, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 2894

Re: Wifi speakers-SONOS vs Echo/Google Home

Sonos sound quality is not that great but their wifi and whole house setup is nice if that's what you want.
Personally, I prefer a wired system in the living room with better speakers connected to the TV.
by Alexa9
Sat Nov 25, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3646

Re: Should I keep the new iPad I bought or return it?

I find an iPad to be a fun "want" more than a "need." It can't replace a computer for some people or a phone but it's a fun toy. For people that it can replace a computer it is great while traveling for media consumption and games for the kids. If I had to choose, I might consider a Chromebook over ...
by Alexa9
Sat Nov 25, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5246

Re: Etiquette question: going out to dinner with friends and how to split the bill

1. Split evenly: simple, fast 2. Separate checks for everything you purchased: more work for the waiter but it's the most fair 3. If it's just a few people and it's not expensive, take turns buying (although I admit this rarely works out evenly) and someone always ends up owing someone 4. One person...
by Alexa9
Sat Nov 25, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: What are average incomes for luxury vehicle purchases? Will help me decide
Replies: 57
Views: 3632

Re: What are average incomes for luxury vehicle purchases? Will help me decide

The world is your oyster. If you like nice cars, get one. As long as you know you’ll likely have to make sacrifices elsewhere in the future.
by Alexa9
Sat Nov 25, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: TVs: Go for $0 or $300
Replies: 17
Views: 1753

Re: TVs: Go for $0 or $300

TV prices keep coming down. I would wait. If it ain't broke, don't fix it. :P
by Alexa9
Sat Nov 25, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5533

Re: Etiquette question: Paying for meals out & out of town guests

That's a tough one. You could split up the cost of the Thanksgiving dinner and send them a bill :P (including lodging)
This isn't one I would worry about or hold a grudge. You might do the same thing if you have a holiday at their place though if they think that's kosher.
by Alexa9
Fri Nov 24, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 57
Views: 7720

Re: Black Friday Deals/Holiday Gift Ideas

Any Cyber Monday deals are appreciated too although I'm not sure they are as good as Black Friday Deals usually.
by Alexa9
Thu Nov 23, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Anybody paint?
Replies: 5
Views: 710

Re: Anybody paint?

I'm artistically challenged but I love to draw occasionally. It's very therapeutic. Even writing by hand is nice especially cursive since it's mostly typing these days. As long as you don't get too snooty about art, it's very fun.
by Alexa9
Thu Nov 23, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 4283

Re: best cordless drill??

I like Bosch. Very compact and lightweight. Flashlight for dark areas. If you plan on doing decks or other high volume jobs, an impact driver is a must. Drill https://www.amazon.com/Bosch-DDB181-02-Lithium-Ion-Batteries-Contractor/dp/B00N8I29X2/ref=sr_1_3?s=power-hand-tools&ie=UTF8&qid=1511454899&sr...
by Alexa9
Wed Nov 22, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 4213

Re: Public or Montessori Private School

Depends entirely on how good your public schools are. Depends on the teachers you get too. Find out who the good and bad ones are. High school is the biggest concern where drugs become a problem for some of the students and it can be just as bad in some private schools.
by Alexa9
Wed Nov 22, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4780

Re: Best Basic DESKTOP?

I would suggest a Mac Mini but they're old. They're still good machines and Mac OS > Windows but still. I would get an Intel 7th Gen i3 NUC and throw in a 250GB SSD, 16GB RAM, and a 3TB HD. Great little computer. https://www.amazon.com/Intel-BOXNUC7I3BNH-NUC-Kit-Components/dp/B01N4EOJNG/ref=sr_1_2?i...
by Alexa9
Wed Nov 22, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 9215

Re: Beware Amazon Price Gouging

denovo wrote:
Wed Nov 22, 2017 4:50 am
What were the items?
Kleen Kanteen Single Wall Stainless Pint Cups
$33.86 (was even higher) were $19.72

Belkin 6 Outlet Power Strip w/ 6 foot cord
$17.99 was $9.99

This was surprisingly in less than a week.
by Alexa9
Tue Nov 21, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 9215

Beware Amazon Price Gouging

I've seen several items I've purchased that I've gone to purchase again priced as nearly twice as much. Both sold by Amazon. This was only a week later. One was an outlet strip as Black Friday TV purchases are going up. The other was some pint glasses. I'm watching prices more carefully now and reco...