Search found 1817 matches

by onourway
Mon May 20, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Display Adapter Alternative?
Replies: 15
Views: 607

Re: Microsoft Wireless Display Adapter Alternative?

Agree with the other advice - wireless display is meant for basic tasks, not video. If you need video on this screen, you need another solution.
by onourway
Mon May 20, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Anyone have a GMC Acadia? Or similar?
Replies: 27
Views: 1542

Re: Anyone have a GMC Acadia? Or similar?

It seems your husband has a very odd/unusual seating position, and it will be unlikely you'll find any vehicle where a normal human can sit behind him, with the exception of a minivan with the 2nd row removed. Just how tall is he? I'm a bit over 6'4", and can sit "behind myself" in an Outback witho...
by onourway
Mon May 20, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Car repairs: what to do next time
Replies: 38
Views: 1896

Re: Car repairs: what to do next time

Sounds like you got a pretty fair deal for all that work, honestly. I personally think that rule of thumb about vehicle value is complete hogwash. Who cares what the vehicle is worth unless you are actively looking to sell it? What matters is the overall condition of the vehicle, and how much additi...
by onourway
Mon May 20, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with construction noise
Replies: 19
Views: 994

Re: Dealing with construction noise

Headphones will do most of what you need. I would pair those with some days spent at your library, a local cafe, or a co-working space (where the headphones will also come in handy). Come home at lunch to let the dog out.
by onourway
Mon May 20, 2019 8:51 am
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 8545

Re: Amazon....we all have seen this before :)

I had no idea of this. In the past, Amazon has had a great reputation for fast and good service. If there gets to be a big problem with product quality, this will ultimately destroy their brand. Wal-Mart has a similar reputation. I almost wouldn't be caught dead in a Wal-Mart store. I only go there...
by onourway
Sun May 19, 2019 5:26 am
Forum: Personal Consumer Issues
Topic: Anyone have a GMC Acadia? Or similar?
Replies: 27
Views: 1542

Re: Anyone have a GMC Acadia? Or similar?

Have you gone and tried any of these vehicles with your baby seat and your husband? There really is no substitute for actually trying out your specific configuration in the vehicle. My suspicion is that most of these vehicles on your list won’t be any better because most 3 row SUV’s get their third ...
by onourway
Sat May 18, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Covering outdoor patio furniture
Replies: 9
Views: 657

Re: Covering outdoor patio furniture

Here in the NE US we move all furniture indoors during the winter, then leave it uncovered during the summer. We don’t currently have much with cushions, but those get brought in from the rain. I found covers a major hassle that just kept things wet underneath for longer than necessary, and moving t...
by onourway
Thu May 16, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Should I replace Prius Hybrid Battery?
Replies: 38
Views: 2722

Re: Should I replace Prius Hybrid Battery?

definitely replace. Even if you were going to turn right around and sell it, you would probably want to replace it as the value of the vehicle would be reduced by the amount it costs to fix it. In any case, I'd fix it and drive it another 150k.
by onourway
Thu May 16, 2019 9:42 am
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 8545

Re: Amazon....we all have seen this before :)

Amazon has a major problem on their hands with counterfeit products and poor quality control on their inventory. Yes, Amazon's third party sellers have to be approached with trepidation. Many are shipping product from China to you. Some list counterfeit products under the genuine manufacturer listi...
by onourway
Thu May 16, 2019 8:46 am
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 8545

Re: Amazon....we all have seen this before :)

Amazon has a major problem on their hands with counterfeit products and poor quality control on their inventory. Amazon doesn't appear interested in doing anything about it. We just went through a period where about 6 shipments in a row were either counterfeit and didn't work, broken, or simply prod...
by onourway
Thu May 16, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 2759

Re: Impossible Burger At Home

Not yet available for retail sale. The Beyond Burger is ok, but not the same, IMO. Should be more widely available though and worth a try. Some people really like them. I like Beyond's sausage.
by onourway
Wed May 15, 2019 1:25 pm
Forum: Investing - Theory, News & General
Topic: American Funds Propaganda. Help me understand.
Replies: 25
Views: 2566

Re: American Funds Propaganda. Help me understand.

Great. Ask him if he can invest your money today in the funds that will have that level of out-performance for the next 30 years. :D If you plot the performance of those funds over the past 10-20 years, you'll find that they are generally pretty similar to their index. Most of the out-performance in...
by onourway
Wed May 15, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Dealer or Local Mechanic?
Replies: 41
Views: 1936

Re: Dealer or Local Mechanic?

It really depends on your particular dealer. I would not generally recommend a dealer to anyone however after a number of these threads over the years it appears forum members have some pretty good ones. Certainly not my personal experience where dealers will charge you heftily for every single thin...
by onourway
Wed May 15, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: House Painting 2019
Replies: 5
Views: 823

Re: House Painting 2019

Multiple estimates with references, preferably of jobs they did a few years ago, not last month is a must. Totally agree on using the best quality paint - although without proper prep it's all just a waste of money. Prices will vary widely, depending on your area, how much prep work is done, how man...
by onourway
Tue May 14, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 68
Views: 4336

Re: Buying a "new" car - Advice pls

I would buy something in the ~$10k range, paid for in cash. That will buy you an excellent vehicle that will last many years without putting you back much as your plans inevitably change over the next few years.
by onourway
Thu May 09, 2019 11:58 am
Forum: Personal Investments
Topic: US Growth vs. POGRX and Primecap
Replies: 7
Views: 724

Re: US Growth vs. POGRX and Primecap

Chasing past returns is a great way to shoot yourself in the foot. When you do so you are selling low to buy high and you have no idea what will happen in the future.
by onourway
Wed May 08, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 7342

Re: Walk away from my auto lease?

Heck I am not even sure what is actually broken besides the clutch. There is a chance you just hit a crappy dealer but this is one of those stories where you have a feeling the other side might be interesting to hear. Most dealers are more than willing to do repairs if they think they will get paid...
by onourway
Wed May 08, 2019 8:55 am
Forum: Personal Investments
Topic: Am I paying too much for my ORP?
Replies: 10
Views: 885

Re: Am I paying too much for my ORP?

The rate charged is going to vary substantially by the size of your employer. The smaller they are, the less leverage they have to negotiate lower fees, and if the employer is not willing to cover the costs of administrating the plan, you'll have to pay the provider like this. How much lower depends...
by onourway
Wed May 08, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Monthly Expenses
Replies: 20
Views: 1240

Re: House Purchase - Monthly Expenses

I'm not sure specific numbers from others are going to help you that much because the specifics of each home matter too much. Tax rates are vastly different. A new home in Phoenix will likely need less exterior maintenance than a 150 year old home in Connecticut. Utilities will be similarly impacted...
by onourway
Wed May 08, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 7342

Re: Walk away from my auto lease?

An Acura SUV is not going to have a manual transmission folks...
by onourway
Tue May 07, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Car loan dilemma
Replies: 34
Views: 2743

Re: Car loan dilemma

Pay it off. In your situation any possible spread between what you pay on the loan and what you might earn in the market is too small to bother with, and certainly not enough to make carrying a loan for multiple years worthwhile. I also sense that you probably spent a bit more than you are comfortab...
by onourway
Tue May 07, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 8629

Re: How do YOU make coffee?

This year I made a commitment to treating myself to a better coffee experience while also eliminating the K-Cup waste. Current Process: 1. Mr. Coffee electric grinder. 2. Mellita pour over with the #4 paper filter. 3. Beans from Aldi's - Roast Master Medium Roast Guatemala Very satisfied with this ...
by onourway
Fri May 03, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5753

Re: Car lost acceleration

I agree, the OP has been given a good amount of advice but seems to find reasons to resist spending money to resolve the issue. This is unfortunately a case where you need to either spend some money and fix it, buy a new car, or drive it with the problem and be aware your car may suddenly stop work...
by onourway
Fri May 03, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5753

Re: Car lost acceleration

You have $53k in your emergency fund. Time to put some of it to use.
by onourway
Fri May 03, 2019 12:19 pm
Forum: Personal Investments
Topic: Riskfree 3.00% Yield?!
Replies: 33
Views: 6106

Re: Riskfree 3.00% Yield?!

Maybe I’m the one who needs to learn from you all. So let’s do a comparison for maximum money accumulation after tax. Taxable Money Market Rate: 2.25 Yield Tax exempt Muni Fund: SEC Yield 2.07% However due to a Muni being tax exempt, the true yield would be 2.9%. Guys, what am I missing here? Why i...
by onourway
Fri May 03, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: New car loan - Interest rate
Replies: 32
Views: 3575

Re: New car loan - Interest rate

I always get confused with these conversations. 3.5% is pretty low. at 3.5% and 72m, total interest on a 50k loan is $5500 and the payment is $770 with 0 down. if you cashflow the loan, take that 50k and lump sum invest at 6% annual nominal return, that is a net benefit of $16k vs paying cash. 50k ...
by onourway
Fri May 03, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5753

Re: Car lost acceleration

this car the hood is hydrolic and it was broke when I got the car, so one person always has to hold the hood up for someone to work on it OP, I know it's the least of your problems, but for $17 (or less if you can find a better option) and what looks like a straightforward fix, I'd get this done fi...
by onourway
Fri May 03, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3061

Re: Birthday party- No gifts

We used to go without gifts honoring the host request. Alas, at the party, everyone still got one and the hosts accepted them. Especially when it is a drop off my kids came back asking why they did not carry gifts when others did. I now do the "play it by ear" thing and keep one in car just in case...
by onourway
Fri May 03, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3061

Re: Birthday party- No gifts

Respect the host's wishes. We say no gifts for our children's parties. Most people oblige I suspect because they feel the same way we do - kids have more stuff than they could ever possibly need today, most likely any party gift will get used for 10-20 minutes before being set aside and cluttering u...
by onourway
Fri May 03, 2019 7:51 am
Forum: Personal Investments
Topic: Riskfree 3.00% Yield?!
Replies: 33
Views: 6106

Re: Riskfree 3.00% Yield?!

You are not getting a 3% yield, you are getting a 2.07% yield. in your tax situation, it is equivalent to a 3% pretax yield, but it is not yielding 3%. And it's not risk free, not a lot of risk, but not risk free. Umm, you realize what TEY means right? There is no tax on this investment hence your ...
by onourway
Thu May 02, 2019 6:46 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 4520

Re: Short BYND? (beyond meat, IPO today)

I eat meat 2-3 times a week. I eat it for health reasons. I also eat eggs regularly as well as fish. My goal is healthy and these burgers make no sense to me at all. That’s the thing, if you want burger shaped patties to taste like beef, tons of chemical garbage needs to be added making the product...
by onourway
Thu May 02, 2019 2:43 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 4520

Re: Short BYND? (beyond meat, IPO today)

I mean because fat, calories are meaningful measures of how healthy a food is for you. :oops: Please explain. Am I wrong to think high amounts of saturated fat and calories are bad for you? I eat burgers on occasion, but the point I was trying to make is that buying an expensive plant-based burger ...
by onourway
Thu May 02, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5753

Re: Car lost acceleration

Too many possibilities without more specific information. Could be a clogged exhaust/cat as that certainly will reduce power. Many many other possibilities. Hopefully you have a decent trustworthy mechanic!
by onourway
Thu May 02, 2019 2:10 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 4520

Re: Short BYND? (beyond meat, IPO today)

If I was the kind of person to trade individual stocks (I never was), then maybe. It's $6 for two patties at my supermarket. I looked at the nutrition facts, and it was pretty shocking. I couldn't believe they were trying to portray these overpriced plant burgers as healthy. It's pretty much the sa...
by onourway
Thu May 02, 2019 10:04 am
Forum: Personal Investments
Topic: Bonds offered no protection
Replies: 38
Views: 3672

Re: Bonds offered no protection

You did not lose money selling VBTLX purchased in 2013 today. You are ignoring the value of all of the dividends you received over the past 5 years, which make up the bulk of the return on a bond. Depending on your exact purchase dates, you should have made a bit over 2% annualized over that time. I...
by onourway
Thu May 02, 2019 5:40 am
Forum: Personal Investments
Topic: Vanguard Free/Zero Funds
Replies: 43
Views: 4082

Re: Vanguard Free/Zero Funds

A one million dollar portfolio will spend $400/year. Over a 20 year period, that adds up to a lot of money. No, it doesn’t. The difference between Vanguard’s near zero expense and Fidelity’s zero expense is swamped by the noise of slightly differing returns of different funds tracking slightly diff...
by onourway
Wed May 01, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Defective audio port on new laptop
Replies: 15
Views: 666

Re: Defective audio port on new laptop

Repair it. If you do a proper image backup immediately prior to shipping it, the only time to get going again should be the time to copy that image back to the drive, or less than an hour.
by onourway
Wed May 01, 2019 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Chiropracter career no longer lucrative...what other job options are there?
Replies: 41
Views: 5347

Re: Chiropracter career no longer lucrative...what other job options are there?

I agree with others that figuring out why he is not successful in his current practice and figuring out how to fix that. I am a big proponent of chiropractic, but the fact is there are huge differences from one practitioner to another. If he is actually good at it but the business is still failing, ...
by onourway
Wed May 01, 2019 5:27 am
Forum: Personal Consumer Issues
Topic: Best electric cordless lawn mower for medium sized yard?
Replies: 40
Views: 2332

Re: Best electric cordless lawn mower for medium sized yard?

Do the research. I just sat through a long research report on this yesterday. Electrics have very poor long term durability. Battery replacement costs are very high as the cheapest are $100 and most are as much as $300 and will not last more than 3 years. First year performance on units is very goo...
by onourway
Tue Apr 30, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Seeking Advice: Repair Car or Purchase Used Car
Replies: 29
Views: 985

Re: Seeking Advice: Repair Car or Purchase Used Car

I am generally a huge advocate of maintaining an older vehicle, however in your case where you drive a lot of miles and appear to be on sound financial footing, I would also agree that you should consider purchasing a new vehicle that is safer and more comfortable to drive. Then drive that one to 2...
by onourway
Tue Apr 30, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Seeking Advice: Repair Car or Purchase Used Car
Replies: 29
Views: 985

Re: Seeking Advice: Repair Car or Purchase Used Car

I am generally a huge advocate of maintaining an older vehicle, however in your case where you drive a lot of miles and appear to be on sound financial footing, I would also agree that you should consider purchasing a new vehicle that is safer and more comfortable to drive. Then drive that one to 20...
by onourway
Tue Apr 30, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: Fun-ish Used Boglehead Car
Replies: 86
Views: 5328

Re: Fun-ish Used Boglehead Car

Subaru BRZ/Toyota FRS
by onourway
Tue Apr 30, 2019 4:52 am
Forum: Personal Consumer Issues
Topic: Best electric cordless lawn mower for medium sized yard?
Replies: 40
Views: 2332

Re: Best electric cordless lawn mower for medium sized yard?

I won’t say it’s the ‘best’ but I’ve been happy with the Echo electric sold by Home Depot. It’s light-weight enough that I don’t miss the self-propelled feature of my previous Honda, even on my steep lot, cuts closer to the edge of the deck than the Honda did which, paired with the lighter weight, m...
by onourway
Mon Apr 29, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: Storage shed
Replies: 9
Views: 1012

Re: Storage shed

We got one from Home Depot about 6 years ago. I didn’t expect to find a decent one, but they had an example model in the parking lot and I ordered it. Full cedar siding. Plywood floor and loft. No particle board. Came partially assembled and then finished on-site. They were very professional, the sh...
by onourway
Mon Apr 29, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much is a good insurance agent worth to you?
Replies: 20
Views: 1233

Re: How much is a good insurance agent worth to you?

I switched from Progressive who I’d been with for over a decade a few years ago to a local agent who was able to find me better rates than I was finding on my own. With home auto and umbrella insurance, I just ask her to price me new policies every couple of years and she comes back to me the next d...
by onourway
Mon Apr 29, 2019 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best use of Chase Sapphire Preferred points?
Replies: 27
Views: 2707

Re: Best use of Chase Sapphire Preferred points?

DrGoogle2017 wrote:
Mon Apr 29, 2019 7:16 pm
What about Chase Business Ink Credit card, what transfer multiplier rate?
1.25 if spent through the Ink card. 1.5x if transferred to the Reserve card.
by onourway
Mon Apr 29, 2019 2:31 pm
Forum: Non-US Investing
Topic: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]
Replies: 77
Views: 5622

Re: Downshift ("Barista FI") while consulting and raising kids?

I am going through a somewhat similar thought process myself, with similar numbers to work with, although in your position being self employed would probably make the transition easier. My biggest hangup at the moment (other than having to leave my job) is I don't think I'm yet at the point where I ...
by onourway
Mon Apr 29, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best use of Chase Sapphire Preferred points?
Replies: 27
Views: 2707

Re: Best use of Chase Sapphire Preferred points?

If you are ready to use them now, presumably you have a trip in mind? Can you use them for more than the 1.25c/each they are valued in the Chase Travel site as cash by transferring them to the airline/hotel you plan to stay at? You might consider acquiring the Sapphire Reserve card both for the addi...
by onourway
Mon Apr 29, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9298

Re: EXTREMELY frugal things from our parents and grandparents

Having grown up close to my grandparents who had 11 children on a farm, all of this stuff just seems 'normal' to me, even for us who now live in the city. Just celebrated that grandfather's 96th this weekend. :D One thing that always stuck out, even to me, was when I was growing up they had a rotary...
by onourway
Mon Apr 29, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Xenon headlights w/ automatic high-low beam?
Replies: 7
Views: 622

Re: Xenon headlights w/ automatic high-low beam?

A 2015 XC70 has HID low beams and H7 halogen high beams. The HID bulbs are illuminated at all times. Only the halogens turn on and off for high beams.