Search found 1932 matches

by CULater
Fri May 24, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

So, actually it seems they started contacting victims (er, customers) on April 5. Old news CR! I reckon I'm not on the list or would have been contacted by now. Wonder what it takes to be a privileged victim? They need to develop a conscience and deal honestly with their CRV customers instead of cov...
by CULater
Fri May 24, 2019 10:28 am
Forum: Investing - Theory, News & General
Topic: Who killed value?
Replies: 23
Views: 2398

Who killed value?

With the value factor on track to deliver it's worst decade-long returns since long ago, the question is "what happened?" According to Dr. Bernstein, maybe low inflation is a culprit: In order to examine the problem, I took advantage of Ken French’s wonderful Web site and downloaded the HmL series (...
by CULater
Fri May 24, 2019 10:00 am
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 114
Views: 9852

Re: Is the housing market starting to collapse?

Market still on a roll here in Utah. According to Zillow's estimate, our house is worth 23% more than it was when we bought it a year-and-a-half ago. Yup. We bought for $190k December 2015 and Zillow estimate is now $255k. Zillow estimate on my condo went up a bunch, but when I did an appraisal not...
by CULater
Fri May 24, 2019 9:40 am
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 114
Views: 9852

Re: Is the housing market starting to collapse?

Inventory seems very low here in our mid Atlantic neighborhood. There are zero houses for sale in our neighborhood of about 150 homes. When we moved here 6 months ago there were multiple homes for sale. They all sold and no new homes came on the market. I've noticed that too. Very few dwellings up ...
by CULater
Fri May 24, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

"Funny, this memo is dated April 5 and I haven't heard a thing" Not really... you owned the car for 2 years and did not know how to reset the navigation screen/computer either. Yes, I've learned a lot about the vehicle that I never wanted to know because of all the problems I've had with it. Oh, BT...
by CULater
Fri May 24, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

Image

Funny, this memo is dated April 5 and I haven't heard a thing.
by CULater
Fri May 24, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

The extra warranty for vehicles in all 50 states specifically covers camshafts and rocker-arm assemblies and states the extension “addresses concerns related to engine oil dilution.” https://www.wardsauto.com/engines/honda-extends-warranty-address-15l-gas-oil-dilution-problem I guess we know what o...
by CULater
Fri May 24, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

Honda is extending the powertrain warranty by an additional year for 2017-2018 CR-Vs with the 1.5L engine. https://www.consumerreports.org/car-recalls-defects/honda-extends-warranty-on-troubled-turbo-engines/ Thanks for this. The extended coverage applies to certain 2017 to 2018 CR-Vs and 2016 to 2...
by CULater
Fri May 24, 2019 7:41 am
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 59
Views: 3648

Re: Don't add currency risk on top of equity risk

Much of this boils down to whether you subjectively believe that the value from adding thousands of additional companies to the thousands you may already own is worth taking on uncompensated currency risk. Some believe it is, and some believe it isn't, but there's no definitive answer. You're not e...
by CULater
Fri May 24, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

Honda is extending the powertrain warranty by an additional year for 2017-2018 CR-Vs with the 1.5L engine. https://www.consumerreports.org/car-recalls-defects/honda-extends-warranty-on-troubled-turbo-engines/ Thanks for this. The extended coverage applies to certain 2017 to 2018 CR-Vs and 2016 to 2...
by CULater
Thu May 23, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 59
Views: 3648

Re: Don't add currency risk on top of equity risk

Much of this boils down to whether you subjectively believe that the value from adding thousands of additional companies to the thousands you may already own is worth taking on uncompensated currency risk. Some believe it is, and some believe it isn't, but there's no definitive answer. You're not e...
by CULater
Thu May 23, 2019 2:16 pm
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 59
Views: 3648

Re: Don't add currency risk on top of equity risk

As I said, I don't believe that it is valid to assert that FX risk is a diversifying asset -- it does nothing to diversify one's portfolio in a useful manner because the expected return is zero and it adds volatility. Your belief may very well be based on a misunderstanding of how diversification w...
by CULater
Thu May 23, 2019 1:08 pm
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 59
Views: 3648

Re: Don't add currency risk on top of equity risk

The essential choice one is making is to accept active currency risk or not. Clearly you have strong opinions on this, and some observers are undoubtedly viewing this a semantic distinction, but once the investor has decided to invest international stocks the only additional choice they must make i...
by CULater
Thu May 23, 2019 12:36 pm
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 59
Views: 3648

Re: Don't add currency risk on top of equity risk

I believe the correct way to view currency risk (FX - foreign exchange risk) as a standalone "asset" in one's portfolio. One can then examine this portfolio asset for it's expected return and correlation to other assets in the portfolio. Except it's not a "standalone asset" in this context: it's em...
by CULater
Thu May 23, 2019 12:20 pm
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 114
Views: 9852

Is the housing market starting to collapse?

http://thegreatrecession.info/blog/wp-content/uploads/YoY-Housing-Sales-1024x623.jpg Existing home sales were down again nationally (4.4%) in April (fourteenth month in a row of declining sales year on year). That is the longest stretch without a single positive month since the housing-market colla...
by CULater
Thu May 23, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 59
Views: 3648

Re: Don't add currency risk on top of equity risk

I believe the correct way to view currency risk (FX - foreign exchange risk) as a standalone "asset" in one's portfolio. One can then examine this portfolio asset for it's expected return and correlation to other assets in the portfolio. When viewed this way, we see that FX risk has a zero expected ...
by CULater
Wed May 22, 2019 2:40 pm
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 59
Views: 3648

Re: Don't add currency risk on top of equity risk

Having a claim on cash flow steams denominated in different currencies is most certainly a form of diversification. And I've never seen any definitons of "diversification" or "insurance" that would lead me thing the distinction you are trying to draw is a material one. Well, on the face of it that ...
by CULater
Wed May 22, 2019 2:18 pm
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 59
Views: 3648

Re: Don't add currency risk on top of equity risk

Seems to me that people keep conflating the concepts of "diversification" with "insurance" when talking about owning currencies. As stated, there is no diversification benefit to U.S. investors from holding multiple currencies. Historically, the expected return from doing that is zero, nada, and all...
by CULater
Wed May 22, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Hearing getting bad, which Hearing Aids would you recommend ??
Replies: 36
Views: 2388

Re: Hearing getting bad, which Hearing Aids would you recommend ??

I don't have Costco aids. I've had no problem going to audiologists in multiple geographic locations and having my aids adjusted. They are all able to access the current setup online and do that. Don't know if that would be the case with Costco aids, but might be a consideration if one anticipates b...
by CULater
Wed May 22, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 59
Views: 3648

Re: Don't add currency risk on top of equity risk

From the Vanguard paper: Currency has no intrinsic return, but it can add material short-term volatility, thereby introducing performance differences. Therefore, over the long term, currency exposure adds only return volatility to an investment. Keeping that exposure means added volatility in the sh...
by CULater
Wed May 22, 2019 7:05 am
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 59
Views: 3648

Re: Don't add currency risk on top of equity risk

Since 1/16 (longest period available), the MSCI ex-U.S. ETF (ACWX) compared to the MSCI ex-U.S. currency hedged ETF (HAWX) (from Portfolio Visualizer): CAGR 8.13 vs. 8.89 SD 11.42 vs. 10.14 Max DD -18.40 vs. -11.75 Sharpe .65 vs. .79 Clearly, currency risk has been notably negative for U.S. foreign ...
by CULater
Tue May 21, 2019 5:29 pm
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 59
Views: 3648

Don't add currency risk on top of equity risk

Here's my position: When investors purchase foreign equities they are assuming both equity risk and currency risk. It is assumed that the currency risk is embedded in the equity risk, but it isn't. The currency risk exists on top of the equity risk when owning foreign equities. Why should you assume...
by CULater
Tue May 21, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 79
Views: 6217

Re: Honda CRV or Toyota RAV4 ?

I disagree about good infotainment integration. I can’t understand why they won’t just use a touch screen. It seems so outdated to have a separate wheel controlling an iOS or Android interface. Their infotainment has been the one thing keeping me out of a Mazda for years now. It operates as a touch...
by CULater
Tue May 21, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 79
Views: 6217

Re: Honda CRV or Toyota RAV4 ?

You wouldn't know it from the specs, but there sure was a definite difference between the CX-5 and my CRV especially in the rear legroom. I literally couldn't get my legs in the rear seat of the CX-5 with the driver's seat adjusted for me -- and I don't jam it all the way back. And the hip room sur...
by CULater
Tue May 21, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 79
Views: 6217

Re: Honda CRV or Toyota RAV4 ?

Mazda is coming out with a new model called the CX-30, which fits between the CX-3 and CX-5. Might be worth a look.

https://www.mazdausa.com/cx-30
by CULater
Mon May 20, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 79
Views: 6217

Re: Honda CRV or Toyota RAV4 ?

You wouldn't know it from the specs, but there sure was a definite difference between the CX-5 and my CRV especially in the rear legroom. I literally couldn't get my legs in the rear seat of the CX-5 with the driver's seat adjusted for me -- and I don't jam it all the way back. And the hip room sure...
by CULater
Mon May 20, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 79
Views: 6217

Re: Honda CRV or Toyota RAV4 ?

Just stopped by the Mazda dealer to take a look at the 2019 CX-5. Sat in a Grand Touring. I'm 6' 2" and my opinion is that it felt a little tight in there. Seats a little narrow (and I'm not overweight) and seemed pretty firm to my tushy. Got into the back seat with driver's seat adjusted for me and...
by CULater
Mon May 20, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

Update from dealer visit: took it in today and showed them the oil analysis indicating severe fuel dilution of the oil. They could care less. No comment as to why the oil dilution is as bad after the "fix" as it was before -- took the 5th. I was sent on my way being told that nothing can be done unl...
by CULater
Sun May 19, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 79
Views: 6217

Re: Honda CRV or Toyota RAV4 ?

FWIW, in addition to the oil dilution problem I've had with my CRV I just experienced another problem that's been showing up on Carcomplaints.com. While driving on the freeway, the information/navigation screen began flashing on and off crazily and the warning beeper going off wildly. Wouldn't stop...
by CULater
Sun May 19, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 79
Views: 6217

Re: Honda CRV or Toyota RAV4 ?

FWIW, in addition to the oil dilution problem I've had with my CRV I just experienced another problem that's been showing up on Carcomplaints.com. While driving on the freeway, the information/navigation screen began flashing on and off crazily and the warning beeper going off wildly. Wouldn't stop...
by CULater
Sun May 19, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 79
Views: 6217

Re: Honda CRV or Toyota RAV4 ?

FWIW, in addition to the oil dilution problem I've had with my CRV I just experienced another problem that's been showing up on Carcomplaints.com. While driving on the freeway, the information/navigation screen began flashing on and off crazily and the warning beeper going off wildly. Wouldn't stop ...
by CULater
Sat May 18, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 79
Views: 6217

Re: Honda CRV or Toyota RAV4 ?

CX-5 can be had with non-turbo engine and 6-speed transmission, which is what I'd probably choose. 2019 there are a couple of upscale CX-5 models with a turbo, but would avoid this if possible. RAV4 engine has dual injection - port and direct - and only uses direct injection when you goose it or und...
by CULater
Sat May 18, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

So, if one really wants a new CRV with the 1.5l engine (I’m not currently looking for any vehicle), isn’t a possible answer to lease rather than buy? Yes, it will be more expensive to lease 3 vehicles over 9 years than buying one, but Honda will bear all the risk of the faulty engine assuming all s...
by CULater
Thu May 16, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

It could be that the level of fuel in oil that the 1.5T engine exhibits is not damaging to the engine. But I'm not willing to assume that and buy one of these vehicles knowing about the issue. I never would have bought one if I'd had a clue. Too many other choices out there to even mess with it. Maz...
by CULater
Thu May 16, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

I have a suggestion for people who think they're not affected by oil dilution; I assume because the level on the dipstick doesn't appear that it is above the overfill mark. First of all, it's very difficult to see exactly where the fluid is on that lousy orange dipstick so I wouldn't trust that. Ge...
by CULater
Thu May 16, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

I have a suggestion for people who think they're not affected by oil dilution; I assume because the level on the dipstick doesn't appear that it is above the overfill mark. First of all, it's very difficult to see exactly where the fluid is on that lousy orange dipstick so I wouldn't trust that. Get...
by CULater
Thu May 16, 2019 5:29 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

CULater, Thanks for the heads up on the CRV. We want to get a 2019 CRV EX for our daughter, but came across this thread. Not sure if we should proceed. If we do, should/can we try to get anything in writing specific to the oil dilution from the dealer? They have a lifetime warranty at the dealershi...
by CULater
Tue May 14, 2019 3:57 pm
Forum: Investing - Theory, News & General
Topic: Imperfect market timing still works -- if you stick with it
Replies: 149
Views: 10768

Re: Imperfect market timing still works -- if you stick with it

Can't say that I'm all that enamored of the 50/50 BAH retirement portfolio. This ignores the risk of unexpected inflation, which kills both stocks and bonds. One example: a person retiring in 1973 with a 50/50 portfolio using the 4% rule for withdrawals ended up 9 1/2 years later with just 41% of t...
by CULater
Tue May 14, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: Imperfect market timing still works -- if you stick with it
Replies: 149
Views: 10768

Re: Imperfect market timing still works -- if you stick with it

Can't say that I'm all that enamored of the 50/50 BAH retirement portfolio. This ignores the risk of unexpected inflation, which kills both stocks and bonds. One example: a person retiring in 1973 with a 50/50 portfolio using the 4% rule for withdrawals ended up 9 1/2 years later with just 41% of th...
by CULater
Sun May 12, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

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. We tried that a year back in M...
by CULater
Sun May 12, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

I just received a mailing suggesting I bring my 1.5T Civic in for a software update. They don't list oil dilution explicitly, but they mention the update will allow the engine to heat more quickly in cold weather. Previously, I read that this is Honda's fix to oil dilution issue. Interesting. I kne...
by CULater
Sat May 11, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 123
Views: 27082

Re: Growing old without kids or younger caring relatives

Then there's this. Pick an age you don't want to live beyond and just then just quit doing all the stuff we are automatically conditioned to do to keep ourselves living as long as possible. At some point, the more we strive for quantity of life the more we will be compromising our quality of life. T...
by CULater
Sat May 11, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Hearing getting bad, which Hearing Aids would you recommend ??
Replies: 36
Views: 2388

Re: Hearing getting bad, which Hearing Aids would you recommend ??

I got some aids from Costco a couple of years ago. At the time I had a number of friends who had used Costco and were satisfied. I wore them for almost 6 months and then returned them because I didn't think they were doing the job I needed. I still had the same problems hearing (and understanding) ...
by CULater
Sat May 11, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

"And, if I brought in a Honda vehicle with a problem purchased there, even oil dilution, the dealer would go out of its way to repair/replace to my satisfaction." Dealers do not build cars and they are independent - they are in fact dealers and can only follow the manufacturers lead. I believe you ...
by CULater
Sat May 11, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

CULater, I'm following your updates and hope you will keep them coming. Ignore the noise. Thanks. For the most part, I just want to keep this issue visible both for the fact that I feel Honda is getting away with stiffing its customers and hopefully will be helpful to a person or two in making a de...
by CULater
Sat May 11, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Hearing getting bad, which Hearing Aids would you recommend ??
Replies: 36
Views: 2388

Re: Hearing getting bad, which Hearing Aids would you recommend ??

According to the ratings by Consumer Reports in their June issue there isn't much difference between the major brands: signia, oticon, phonak, widex, and resound. I was hoping one brand might stand out in this comparison rating, but none did. The biggest problem with hearings aids by far is how they...
by CULater
Sat May 11, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

CULater, I'm following your updates and hope you will keep them coming. Ignore the noise. Thanks. For the most part, I just want to keep this issue visible both for the fact that I feel Honda is getting away with stiffing its customers and hopefully will be helpful to a person or two in making a de...
by CULater
Fri May 10, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

"When those 1.5T engines start falling apart from improper lubrication it's going to get interesting." Are any of the 1.5 engines falling apart now? Have there been any recurrent engine failures that may(might) be related to oil dilution? If you can tell me where this kind of information might be o...
by CULater
Fri May 10, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

Oil Analyzers only reports fuel dilution as > 5% and not the specific percentage. Not sure if that is because of measurement imprecision above that level or what. All three of my oil analyses showed the > 5% level and a 4 rating (highest) on the severity level from 1-4. I was somewhat concerned that...
by CULater
Thu May 09, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145161

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

Hello All - Just in case you were wondering, here are the results of my recent oil analysis. This one was done after I put 4500 miles on the vehicle following the ballyhooed "fix" issued by our duplicitous friends at Honda, Inc. On top of that, I've been exclusively running premium fuel since then. ...