Search found 308 matches

by helloeveryone
Fri Jul 12, 2019 10:37 pm
Forum: Personal Investments
Topic: my mom is a "financial advisor"
Replies: 66
Views: 7145

Re: my mom is a "financial advisor"

My dad worked in financial services, sold me life and disability insurance when I was a young adult. As time passed, I told him I was most comfortable not combining family and finances— that has made life much easier! He didn’t love that decision, and periodically would bring up new products, but I...
by helloeveryone
Thu Jul 11, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 69
Views: 5201

Re: (Tall) Buyer Beware: Honda Accord.

Your height likely precludes this option as noted above but a fancy seat cushion maybe worth an attempt ($89) to see if you can salvage the purchase?

If it doesn’t work just use the cushion for a chair at work or home.

https://www.tempurpedic.com/other-produ ... ice/v/799/
by helloeveryone
Sat Jul 06, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: inkjet printer recs
Replies: 34
Views: 1468

Re: inkjet printer recs

Thanks everyone for the replies. As noted we are going to go with black laser printer all in one. The scanning is also occasional and high quality is not a must. ie- scan several pages in black and white and email to someone. Or scan stuff periodically that we need to save on computer. A printer & s...
by helloeveryone
Wed Jul 03, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: inkjet printer recs
Replies: 34
Views: 1468

inkjet printer recs

We are looking to replace our old Epson Workforce 545 printer that we bought in 2011. Basically quality is poor, even with head cleaning and the nozzle alignment maintenance that used to restore the quality now it cant be resolved. Our printing needs only to print word documents, occasional pdf’s, k...
by helloeveryone
Sat Jun 22, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4680

Re: Do you Casino? What do you play? Have you won?

Just wondering who visits casinos, what you play, and if you've won (or lost) any sizeable amount. I only go when we're cruising, which we did not long ago. I only play blackjack because I feel like I'm making some decisions about what's happening. My limit is one visit per cruise, max $40 playing ...
by helloeveryone
Tue Jun 18, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Help with car decision
Replies: 31
Views: 2054

Re: Help with car decision

Having lived in Boston, I understand where you are coming from. Outbacks are very popular there and make great winter cars. What are the actual values/prices of your Accord and the Outback you want to buy? You should avoid thinking in terms of payment and focus on the overall cost of this upgrade. ...
by helloeveryone
Thu Jun 06, 2019 11:06 pm
Forum: Personal Investments
Topic: How would you invest a lump sum of 3 million dollars in today's market?
Replies: 50
Views: 5609

Re: How would you invest a lump sum of 3 million dollars in today's market?

Please take time to review the Boglehead's Wiki on Managing A Windfall. Solid advice from those that have been there. Managing a Windfall Cheers This 100%. Read, re read, then make decision. don’t rush the decision. What would I do right this second in my current lifestage? Pay off house Pay off mi...
by helloeveryone
Thu Jun 06, 2019 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6175

Re: Suggestions on fraudulent medical bill

If you were truly not seen/examined by anyone other than an ED physician before the hospitalist strolled in, then yes, the hospitalist should not be mooching off the ED doc’s work and billing an inpatient admit code. You’ve done what you could. If you’re not paying out of pocket, let it go. You’ve ...
by helloeveryone
Wed Jun 05, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7884

Re: What flagship (even used) item is better than a budget new item?

Macbook Pro. Bought in 2014 for $2400 or so and was totally worth it. No other laptop I ever bought or desktop has functioned at high level for so long amd headache free. Guitar. (Ie - preowned $1400 taylor and $1400 martin way better than $200-300 as far as both playbility and sound in my opinion) ...
by helloeveryone
Mon Jun 03, 2019 11:30 pm
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 14499

Re: You May Never See Your Grandchildren Again

I haven't been "privy" to having access to these types of financial advisors. The bad actors in the industry. My only experience was with a decent FA in 2012-15. I found this blog in 2015 and decided to self manage. There is a huge local FA company near my office. Their offices are in an old histor...
by helloeveryone
Mon Jun 03, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7142

Re: Do you drive old cars for long distance travels?

Before any such trip, we get a quick checkup from our local auto repair/maintenance place. Could you elaborate on anything major that has been found that you fixed before long trips? We do that as well for long trips and most ever was a brake job which we knew was coming up anyways. But fortunately...
by helloeveryone
Tue May 28, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11158

Re: Paying Kids For Good Grades -- do you do it?

Hi Bogleheads: Next year, our oldest child will begin receiving letter grades in school for various subjects. I have been thinking about setting up a system to pay him for As and Bs received on his report card to incentivize good grades and to set him up for success going into the junior high years...
by helloeveryone
Fri May 03, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: anyone with AirBNB New Orleans experience?
Replies: 7
Views: 674

anyone with AirBNB New Orleans experience?

We are considering a family of six road trip to New Orleans in the summer. 3 or 4-nights. Would like to stay within walking distance to the french quarter for the restaurants, shops, etc.... Instead of getting two rooms at a hotel we thought it might be more affordable to airbnb for housing costs an...
by helloeveryone
Thu May 02, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: new Subaru Forester 2019 - Accessories?
Replies: 27
Views: 2419

Re: new Subaru Forester 2019 - Accessories?

Do I need to pay for the accessories installed if I opt in? Can I install them outside dealership to save $$. * Fog lights (MSRP 348.00) * Wheel Locks - Alloy (MSRP $81) * Door edge guard (MSRP $168) * Bumper cover moldings (MSRP 39.95) * Splash guards (MSRP $172) We bought a high mileage 2015 fore...
by helloeveryone
Sat Apr 27, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 4703

Re: Where To Get New Bikes

Hello, Our kid has graduated of balance bike and is becoming more comfortable riding a bike. The weather is certainly more conducive for outside activity, and we are thinking of starting biking as a new family activity. DW and I are comfortable with riding bikes, although we are certainly not serio...
by helloeveryone
Tue Apr 23, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3618

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

Some of y'all are pretty funny trusting a guy to hand tighten your lugs only... Yeah that's how wheels fall off... And nasa specs for a tire shop? Guy probably gets paid close to min wage, at the place I last got tires, they were talking about how they got paid per car... Ie... Fast time - more mon...
by helloeveryone
Tue Apr 23, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3618

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

I think you are way over-doing it changing the diff fluid on a 2015 Subaru. I would scale back your ambitions to the things that really need to be done and make a difference. Yes, you need to watch your mechanic in order to know you have a good one, but I personally think you are coming off wrong a...
by helloeveryone
Tue Apr 23, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3618

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

Wanted to share mechanic mishap that I fortunately caught and was able to avoid disaster. 3) problem three was I noticed they let the brake caliper assembly hand freely from the brake line which is a huge no no in every forum and every youtube video. (I dont do brakes pads yet but have read and you...
by helloeveryone
Tue Apr 23, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3618

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

yes 2015 forester. it’s actually very easy but you must be certain that the fill plug for front diff is on passenger side in the US cars and the fill plug for cvt transmission fluid is on driver side for US cars. There are folks that have done it wrong because they went off a very well done you tub...
by helloeveryone
Tue Apr 23, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3618

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

FlyAF wrote:
Tue Apr 23, 2019 10:52 am
You took your car to a tire shop, not a certified mechanic.
They actually have tire shop and full auto repair shop as well as state inspection bay. Prior to this I only used their tire shop services.
by helloeveryone
Tue Apr 23, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3618

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

"So big question now - 1) for those that are diy car folks - what was the most egregious mistake you have noted in dealing w autoshops " Co-worker years ago drove his car out of a repair shop having an oil change done. Damaged the engine as the "mechanic" forgot to put oil into the engine. I witnes...
by helloeveryone
Tue Apr 23, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3618

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

<shakes head> The reason Subaru uses T70 bolts for the transmission is because so many Jiffy Lube "mechanics" just removed the first bolt they found to do an oil change, leaving the transmission dry and overfilling the oil. Subaru CVTs are very sensitive and refilling requires you follow proper pro...
by helloeveryone
Tue Apr 23, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3618

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

[/quote] Was this on a Subaru by chance? I know the CVT drain is very close to the diff's, and I've read about multiple people getting the plugs mixed up even with a service manual next to them. For the front diff/CVT, I will probably just take it into the dealer. [/quote] yes 2015 forester. it’s ac...
by helloeveryone
Mon Apr 22, 2019 11:56 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3618

Mechanic mishap - able to stop significant damage - how to avoid in future?

Wanted to share mechanic mishap that I fortunately caught and was able to avoid disaster. I started doing my own car maintenance in last six months. I was at my trusted tire shop that I have used for several years based on word of mouth, high ratings, and based on taking both household cars and been...
by helloeveryone
Sat Apr 20, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2195

Re: What are your 5 favorite tools (hand, power, other)

DW and I are getting ready to move. We're downsizing.......building a smaller home. In our prep to move.....gotta bunch of projects to complete to get the house in "ready to sell condition". I started thinking about "All" the tools that I use....over and over again......to complete these project. H...
by helloeveryone
Fri Apr 19, 2019 10:39 pm
Forum: Personal Consumer Issues
Topic: Suitable present for friend's retirement?
Replies: 11
Views: 1081

Re: Suitable present for friend's retirement?

Grt2bOutdoors wrote:
Fri Apr 19, 2019 10:36 pm
Bottle of sparkling wine.
I would agree. Nice card and bottle of wine is a nice touch.
by helloeveryone
Thu Apr 18, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 22
Views: 1829

Re: Is it worth renting a car in Vegas?

I've been to Vegas many times, but this is the first time with kids. I know it's not the best destination for kids, but my wife insisted and my kids are interested in seeing the sights. My only issue is getting around, and getting food. The kids are 7 and 5, so I don't want to bring them to buffets...
by helloeveryone
Sun Apr 14, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9785

Re: Luxury car recommendations?

We're lifelong savers. With some luck we're doing relatively fine financially. So we'd like to live a bit more. In the past we usually buy a brand new Camry or like, and run for 10 years and repeat. Now we are wondering if we should try a Lexus or something similar? Some background info: We are cer...
by helloeveryone
Wed Apr 10, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: Ceiling fan install (high ceiling)
Replies: 32
Views: 1904

Re: Ceiling fan install (high ceiling)

My ceiling fan croaked and it's in a room with high cathedral ceilings, with no walls nearby to lean a ladder against. What contraption can I rig to gain access to that thing? Some things are not worth the savings. Unless you are routinely on ladders/scaffolds working that high I would recommend pa...
by helloeveryone
Wed Apr 03, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anxiety about car/house purchase
Replies: 28
Views: 2915

Re: Anxiety about car/house purchase

Long time follower, but first time poster. Im 30 married for 5 years to my wife of the same specialty and have been working (outside of residency) for about a year and a half. Yearly household income 675K. About 1.2m invested 80/20 stock/bond in vanguard/fidelity 285K cash in money market No debt N...
by helloeveryone
Wed Apr 03, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Pay cash for hvac or leverage 0% financing?
Replies: 42
Views: 1790

Re: Pay cash for hvac or leverage 0% financing?

Pay for the HVAC with cash back credit cards with 15-21 month 0% APR. You will get about 500-1k cash back and most of it will still be 0% APR for 15+ months. If you can do the loan and pay off using credit cards in 18 months, even better, do that. Sounds ideal but most cash back cards will only giv...
by helloeveryone
Sun Mar 31, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off/Housing Advice
Replies: 30
Views: 4013

Re: Laid off/Health care?

So...I was recently laid off from the "good job/position" I recently joined about a year ago for redundancy. Complete shock. Although, the company has been in turnaround for the past at least 4-8 years... but the (non-revenue generating) department I was in was already very lean and needed another ...
by helloeveryone
Sat Mar 30, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Max % of gross pay on a car?
Replies: 22
Views: 1599

Re: Max % of gross pay on a car?

I bring in about 300K a year. Have hankering for a new car or two... maybe it will pass. One is a 10yr old RAV4 - bought the base model for 22K / mildly depressing every time I drive it - but the fact that it’s saving me 500 a month kind of makes up for it. The second car is a 2 yr old Subaru Fores...
by helloeveryone
Thu Mar 28, 2019 3:12 pm
Forum: Investing - Theory, News & General
Topic: How much $$ would it take for you walk away from investing?
Replies: 45
Views: 4227

Re: How much $$ would it take for you walk away from investing?

Say you're retiring at 40. Your annual expenses are $50k. You've "won the game" and have amassed a large net worth. You don't want to take any more risk, so you go 100% cash and walk away from investing completely. How much money would it take for you to be comfortable doing this? $4 million? $7 mi...
by helloeveryone
Tue Mar 26, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Good Camping Tent?
Replies: 28
Views: 1735

Re: Good Camping Tent?

Looking for opinions on good camping tents. Typically go 4 to 5 times a year and have normally just had a 4 person Coleman but a pole broke last time camping last year. I was looking online at REI and thinking about trying to upgrade to a 6 person easy up tent. I would like a little more room and e...
by helloeveryone
Tue Mar 26, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Adventure Trip Ideas - Pacific NW vs Utah / Wyoming
Replies: 16
Views: 995

Re: Adventure Trip Ideas - Pacific NW vs Utah / Wyoming

I'm looking to do a ~7-10 day adventure trip this summer where I'll squeeze a lot in. I love mountain biking, hiking, camping, and water sports. I'm considering the Pacific Northwest - Olympic NP, Whistler, possibly Bend, OR, Hood River (SUP or Windsurf), Crater Lake. I'm also considering Salt Lake...
by helloeveryone
Fri Mar 08, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Sports team season tickets
Replies: 45
Views: 4267

Re: Sports team season tickets

Which NBA team? In most situations you are better off buying tickets to the games you want to go to. I agree with this. One tip is to look for tickets about 30-60 minutes from tip off. You will find the resale tickets sell below the venues ticketmaster face value because season ticket holders are t...
by helloeveryone
Fri Mar 08, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 5995

Re: portable jump starters

I was flipping through the channels and saw a portable jump starter being presented on one of the shopping channels. With weather upon us and the battery in my car being at least 3 years old, I am wondering whether I should get one. There are so many on Amazon. It is hard to decide. Also, the one b...
by helloeveryone
Mon Mar 04, 2019 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a more expensive home? And is it wise?
Replies: 35
Views: 2590

Re: Can we afford a more expensive home? And is it wise?

Income: 130k/year (combined) with projected income increase of 10k per year for next few years 401k total: 33k (combined) IRA total: 15k (combined) Current saving rate: 10% of gross income Savings: 75k Checking: 5k Proceeds from sale of current home: 40-50k (after all closing costs, fees, commissio...
by helloeveryone
Sun Mar 03, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Advice on Grand Pianos?
Replies: 57
Views: 3172

Re: Advice on Grand Pianos?

You have two kids, ages 12 and 15. That would mean that in no later than 6 years, your grand piano will go unused at least 9 months out of the year while your kids are at college. (Perhaps more, if they do not come home for summer break.) I'm not sure that paying $10,000 for something that your kid...
by helloeveryone
Sun Mar 03, 2019 11:33 pm
Forum: Personal Consumer Issues
Topic: Convince aging parents to pay for snow removal
Replies: 64
Views: 3642

Re: Convince aging parents to pay for snow removal

Both of my parents are in their 70s. Last winter, after loads of nagging, they reluctantly agreed to pay people to shovel their snow. Now they want to do it alone again and brushed me off when I told them not to. I think they feel like having someone shovel for them is another sign that they are ge...
by helloeveryone
Sat Mar 02, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: Home DIY - increasingly complex repairs and cost savings by DIY
Replies: 38
Views: 3096

Re: Home DIY - increasingly complex repairs and cost savings by DIY

I'm not that adventurous about actual home repair, but I've had very good luck with appliance repair. Latest one was a leaking washing machine that I was quoted $350 or more to fix. A couple of YouTube videos, $90 worth of factory parts from Amazon and a bit of cursing - and it was good to go. In t...
by helloeveryone
Sat Mar 02, 2019 3:24 am
Forum: Personal Consumer Issues
Topic: Home DIY - increasingly complex repairs and cost savings by DIY
Replies: 38
Views: 3096

Re: Home DIY - increasingly complex repairs and cost savings by DIY

I am currently installing new "recessed" lighting over my entire house. I have learned that running romex 14/3 (i only needed 14/2 but ran the extra wire in case) is not that hard. Cutting hole in sheet rock not to bad. A wire fish makes things much easier. Painting a ceiling really sucks. The new ...
by helloeveryone
Sat Mar 02, 2019 3:20 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 8858

Re: How do YOU make coffee?

3) Aeropress KlangFool Do you have to control the temperature of the water? How? I'd think that boiling would be too hot. For me I use the hot water from our water dispenser. The harcore coffee folks will tell you to heat to the perfect temp but I think w freshly ground beans and the efficience - i...
by helloeveryone
Sat Mar 02, 2019 3:17 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 8858

Re: How do YOU make coffee?

Used a $20 cheap coffee pot year ago and transitioned to Kcups. Cost/serving on Kcup is the highest and consumption in my house is increasing. Looking into bulk ground coffee. What device are you using to make your coffee? Aeropress 80% of the time (so fast!) Moka pot invested in $139 coffee grinde...
by helloeveryone
Thu Feb 28, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: When were you convinced that you had more than enough money?
Replies: 117
Views: 11729

Re: When were you convinced that you had more than enough money?

I agree that you will never be 100% sure. We are working with my MIL (77, widow) to get her into a retirement community. She has $2M in investments and a house worth $500k ($2.5M NW). Her annual income outside of her investments is $56k (COLA pension + SS). Her annual expenses are $50k. On the face...
by helloeveryone
Thu Feb 28, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Home DIY - increasingly complex repairs and cost savings by DIY
Replies: 38
Views: 3096

Re: Home DYI - increasingly complex repairs and cost savings by DYI

goaties wrote:
Wed Feb 27, 2019 5:25 pm
gmc4h232 wrote:
Wed Feb 27, 2019 5:15 pm

Oh and what is DYI?
Do Yourself In?
edited the title :happy
by helloeveryone
Thu Feb 28, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Home DIY - increasingly complex repairs and cost savings by DIY
Replies: 38
Views: 3096

Re: Home DYI - increasingly complex repairs and cost savings by DYI

I consider myself handy and am not intimidated by very many home improvement tasks, thanks to my Dad who taught me everything. Now that I'm older, there are many things I won't do for and for these reasons: (1) Anything involving natural gas, short of attaching the appliance to the end fitting. (To...
by helloeveryone
Thu Feb 28, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6554

Re: $5000 water bill-Help!

If I go away for a week or more I just close the valve in the basement where the water line enters from the street. I do the same, even for a long weekend. Before closing the valve, I also flush all the toilets and run every sink for a few seconds to ensure the traps are full. What does ensuring tr...