Search found 1860 matches

by onourway
Tue Jun 18, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Volvo CPO Extended Warranty
Replies: 21
Views: 526

Re: Volvo CPO Extended Warranty

I would not trade it in with 2+ years left on the warranty. I would privately sell it and probably get at least $3000 more than I would if I traded it in. You think a buyer is going to pay a $3000 premium for 2 years of warranty coverage on a private sale? Yet you, the current owner, with presumabl...
by onourway
Tue Jun 18, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 66
Views: 3934

Re: IPhone 6 - showing some age

I replaced the batteries in both my kids iPhone 6's (it was only $29 last year - understand $49 now) making them very happy. Apple dropped the price to only $29 last year because they new they had some issues with some of the batteries not holding up - too bad they didn't continue that special pric...
by onourway
Tue Jun 18, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 66
Views: 3934

Re: IPhone 6 - showing some age

And I just had coffee with my mother who only this week replaced her iPhone 6 with an iPhone 8 and her only comment was that it feels like the same phone...
by onourway
Tue Jun 18, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 29
Views: 1648

Re: Extend MacBook Battery Life by plugging in as much as possible?

Lithium batteries don't particularly like to be kept at full voltage (charge) and they really dislike being deep discharged (0%) which in many devices will have an immediate impact on the total capacity of the battery. Now to Nisiprius' point, engineers can work around both of these issues, but for ...
by onourway
Mon Jun 17, 2019 11:54 am
Forum: Personal Investments
Topic: Should we go CD ladder or bond fund?
Replies: 13
Views: 1708

Re: Should we go CD ladder or bond fund?

Thanks for your thoughts. I have noticed CD interest rates going down for a month or two. Listening to all the chatter about what the economy and the FED may do, it sounds likely they will continue down. But, I know you are right - nobody knows what will happen for sure. Your advice on CD ladders i...
by onourway
Mon Jun 17, 2019 8:08 am
Forum: Personal Investments
Topic: Should we go CD ladder or bond fund?
Replies: 13
Views: 1708

Re: Should we go CD ladder or bond fund?

You say that interest rates are likely to trend down in the near future. You don't know that. There is a new thread here from this weekend illustrating the estimates of 50 economists on the recent expected direction of interest rates. Every single one of them was wrong. I am against CD ladders for m...
by onourway
Sun Jun 16, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Alternative to US Postal (USPS) for Mail Delivery of Checks
Replies: 7
Views: 466

Re: Alternative to US Postal (USPS) for Mail Delivery of Checks

Registered mail will solve your issue. You’ll have to decide if it’s worth the cost.
by onourway
Sun Jun 16, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Anyone make their own tortillas?
Replies: 24
Views: 1956

Re: Anyone make their own tortillas?

Either corn or flour tortillas are among the simplest bread products to make and will be better than what most people have access to at a store. Whatever pan or griddle you have will be fine. My parents made them at least once a week when I was a kid and still do today. That said, it will add 20-40 ...
by onourway
Sat Jun 15, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 66
Views: 3934

Re: IPhone 6 - showing some age

I would trust the diagnostics. If they say the battery is fine, changing it isn’t going to improve things. My wife has a 6s that she would also like to hold on to that had the Apple $29 battery service, shows in diagnostics still having over 90% capacity, yet she still has been complaining about the...
by onourway
Fri Jun 14, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Petroleum pipeline on property
Replies: 27
Views: 2163

Re: Petroleum pipeline on property

I think you've gotten some good advice here. I think some of the concerns about safety are overblown. Yes, leaks and accidents happen. Yet your chance of being involved is infinitesimally small. Most of the northeast US has natural gas lines running into every home, yet (with condolences to those un...
by onourway
Wed Jun 12, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Share financial info with family?
Replies: 26
Views: 2843

Re: Share financial info with family?

Details are laid out in our will. Names of financial institutions and types of accounts held there seems sufficient. Certainly do not share passwords as this could lead to abuse and it’s not legal to directly access your accounts in case of your death anyhow. Does your will really contain the names...
by onourway
Wed Jun 12, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Share financial info with family?
Replies: 26
Views: 2843

Re: Share financial info with family?

Details are laid out in our will.

Names of financial institutions and types of accounts held there seems sufficient. Certainly do not share passwords as this could lead to abuse and it’s not legal to directly access your accounts in case of your death anyhow.
by onourway
Wed Jun 12, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 70
Views: 3544

Re: Toyota Sienna tire replacement at 12k miles

We had a Prius where the factory tires were nearly done after 25k - and half of that was spent on winter tires! It was a lease though and they didn’t say anything when I turned it in so... As noted, alignment issues can wear tires out very quickly - hundreds of miles - or less if it’s really bad - a...
by onourway
Wed Jun 12, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting: Where to park earmarked funds for large annual purchases
Replies: 4
Views: 366

Re: Budgeting: Where to park earmarked funds for large annual purchases

I manage our budget tightly enough I typically have cash on hand for most large purchases 6-12 months in advance. That money simply accumulates in the Vanguard Prime Money Market fund. I don't choose a bond fund both because I prefer to not have a variable balance on this money, and anything other t...
by onourway
Wed Jun 12, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Careers that combine art/design and science?
Replies: 36
Views: 1505

Re: Careers that combine art/design and science?

Sounds like she'd be a good candidate for one of the many excellent liberal arts colleges in your area where she would be given the freedom to explore all of these interests.
by onourway
Wed Jun 12, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Subaru Outback 2017 - 2019 Comments
Replies: 20
Views: 2065

Re: Subaru Outback 2017 - 2019 Comments

The Outback with the 4 cylinder is really under-powered, IMO. Have you considered that you could pick up a lightly used Volvo V90 for close to the same price as a top-tier Subaru? Or, have you seen that Buick has a legitimate wagon in the vein of your old Passat - the made in Germany Regal Tour-X? T...
by onourway
Tue Jun 11, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Best Laptop/Surface Pro - $1,000 +/-
Replies: 14
Views: 767

Re: Best Laptop/Surface Pro - $1,000 +/-

An additional counterpoint to bryanm's comment is that we have been nearly 100% Thinkpad in our office for nearly 15 years. Our laptops are used on blue-collar job sites all over the world, and we typically put them through a rotation where they are in regular use for at least 7 years and semi-regul...
by onourway
Tue Jun 11, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3721

Re: Tips for new pet owner

Have owned multiple dogs over the past 20 years since I left college. None of them have ever cost us anything significant enough out of pocket to even make them noticeable in our budget, even when our income was quite low. You can spend as much or as little as you like. We have had vets that seem to...
by onourway
Tue Jun 11, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Best Laptop/Surface Pro - $1,000 +/-
Replies: 14
Views: 767

Re: Best Laptop/Surface Pro - $1,000 +/-

My first suggestion would be to just pay up to fix the XPS which is still a great computer today. There is no reason to spend more than this. If that is off the table, I would suggest you stretch your budget for a Lenovo X1 Carbon and buy the 5 year on-site repair warranty with it. It's not worth th...
by onourway
Tue Jun 11, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: 15K CAR with comfortable seats and quiet
Replies: 51
Views: 3888

Re: 15K CAR with comfortable seats and quiet

You guys are too much.

Every car thread is not an invitation to suggest the vehicle you chose.

A Corolla is a great car in many ways. It does not, however, by any reasonable standard, meet the criteria requested by the thread author. :oops:
by onourway
Mon Jun 10, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: How to get good at a racket sport without coaching?
Replies: 43
Views: 1326

Re: How to get good at a racket sport without coaching?

I will echo the sentiments that you need to play people better than you to improve. Not orders of magnitude better than you, but enough better that you are frustrated a bit but can keep yourself in a game. In theory, this is exactly the kind of competition a tournament should provide. I suspect that...
by onourway
Fri Jun 07, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3553

Re: Toaster ovens - safe? better alternative?

Essential kitchen appliance for us with 3 kids. Way faster to cook many foods in the small oven rather than waiting for the main oven to warm up. I don't particularly have any safety worries with ours, but it's a fairly high-end Cuisinart model that I'd replace with something similar tomorrow were i...
by onourway
Fri Jun 07, 2019 5:15 am
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3655

Re: Does a big family need 2 big cars? Question for 3 kid+ families

I’ve suggested it in some other threads, but the Buick Regal TourX is an excellent deal right now. AWD. All the bells and whistles on the higher trims including CarPlay, adaptive cruise, and so on. Widely advertised for $7-10k off MSRP, putting even those upper trims in the $25k or less range.
by onourway
Thu Jun 06, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3655

Re: Does a big family need 2 big cars? Question for 3 kid+ families

Does your current car have adaptive cruise control? It was a feature that I thought would be so much more useful than it actually is. I find it to be way too sensitive. By far my favorite feature on my newer Volvo. Yes, you have to learn to trust how it works, but I'd never want another primary veh...
by onourway
Thu Jun 06, 2019 8:26 am
Forum: Personal Investments
Topic: How would you invest a lump sum of 3 million dollars in today's market?
Replies: 50
Views: 5497

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

You really need to define your goals for this money before any meaningful advice can be given. It would also be helpful to know a bit more about your overall situation - what tax-advantaged space you have available, and so on. There is a sticky post at the top of this section that lays out the forma...
by onourway
Thu Jun 06, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3655

Re: Does a big family need 2 big cars? Question for 3 kid+ families

I would lean towards something that can carry 3 kids in reasonable comfort. This does not mean 3 rows, but if you are going to own this for the next 10 years, it's worth buying something that will fit your needs that entire time. We have 3 kids. One 3 row SUV, one wagon. There are frequent times whe...
by onourway
Wed Jun 05, 2019 2:02 pm
Forum: Personal Investments
Topic: How do I invest 55k
Replies: 12
Views: 1386

Re: How do I invest 55k

Vanguard's advisory service is 0.3% not 0.03%. Still cheap, but not nearly that cheap. I would suggest you create a new thread following the format requested in the sticky post at the top of this forum. There is a lot of information requested there, but it's information you should know if you don't ...
by onourway
Wed Jun 05, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Yet Another Housing Thread (Gut Check)
Replies: 28
Views: 2114

Re: Yet Another Housing Thread (Gut Check)

FWIW, a 2,000 sq. ft. house with 3 bedrooms and 2 baths still provides all of what you are aiming for and should come at far lower cost and maintenance effort. (One room for guests, one for an office - many houses will also have additional areas that could also suit these purposes, even in a small f...
by onourway
Wed Jun 05, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5429

Re: Is it Wise to Remove Escrow if Bank Allows it?

I found that once I was making payments myself I was much more tuned in to what was happening with local property tax rates. Perhaps this would have occurred the same just as a process of maturing, but I think actually receiving and paying the bills holds some value as a resident.
by onourway
Wed Jun 05, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Schwab ATM Fee Rebate
Replies: 5
Views: 461

Re: Schwab ATM Fee Rebate

This should be easy to verify simply by checking your account statement. Is the withdrawal for an even $20 increment or not?
by onourway
Wed Jun 05, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Yet Another Housing Thread (Gut Check)
Replies: 28
Views: 2114

Re: Yet Another Housing Thread (Gut Check)

Agree. If you do this, one of you needs to purchase this in their name alone and lease to the other. Not clear on whether your income numbers are yours alone or combined. Why on earth do you want a 3,000 sq. ft. 4 br/4 bath home as a young childless couple? Are you looking to take on extra work? All...
by onourway
Wed Jun 05, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 5916

Re: Would you buy a house without a garage?

We live in a snowy climate and have a carport for one vehicle. On-street parking is easy and convenient however. Even as a car guy, while I might like a garage, it's only one part of the overall package that makes the house. Location and overall style, quality, and condition of the main house would ...
by onourway
Mon Jun 03, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3685

Re: Invited to vacation house then surprised with expenses—what now?

If one is invited on a vacation where the details are set and one was not consulted regarding the location, housing, or timing, the expectation should be that the cost will primarily be borne by the one extending the invitation. As a guest, you should of course offer to contribute to the cost, the h...
by onourway
Thu May 30, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Do I need AWD?
Replies: 14
Views: 1056

Re: Do I need AWD?

The answer is, it depends. Does your Civic have good snow tires on it? Is it a lack of traction or that the car is getting high-centered on deep snow or both? Ultimately this really comes down to how well and how often you clear your driveway. AWD with decent ground clearance will give you more flex...
by onourway
Thu May 30, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Good small SUV or AWD sedan recs
Replies: 39
Views: 1941

Re: Good small SUV or AWD sedan recs

I'll throw out an odd alternative that she'll either love or hate. The Buick Regal TourX which is a new AWD station wagon. For pretty obvious reasons, these aren't selling well (I have read all about them from the first announcement and have seen exactly 1 in real life). Kind of a cool car though if...
by onourway
Wed May 29, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: The Economist print and digital, $99 today
Replies: 14
Views: 1125

Re: The Economist print and digital, $99 today

Good deal but not as good as free from my library (yes, full digital access). :D
by onourway
Wed May 29, 2019 8:07 am
Forum: Personal Finance (Not Investing)
Topic: FIRE in 6-7 years vs 20+ years
Replies: 44
Views: 4881

Re: FIRE in 6-7 years vs 20+ years

It sounds like you need to pause and take a break and assess what exactly it is you want out of life. If you are thinking of getting out of your career before you have even started, there's a pretty good chance you've made a mistake. That's ok. Everyone makes mistakes, and there is no real harm in c...
by onourway
Wed May 22, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6104

Re: Best small AWD to 'drive into the ground'

I'm not sure about that. My Subaru is pretty incredible at getting going and stopping on ice and snow. You can feel the car working beneath you especially when you put it in X-mode. Night and day over my FWD Honda Pilot. I can't image snow tires would make the Pilot better than the Outback at getti...
by onourway
Wed May 22, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Inexpensive way to gain weight
Replies: 54
Views: 2322

Re: Inexpensive way to gain weight

You don't have to tell us your weight, but how about your BMI? Where do you fall on the chart? One has to be very skinny by modern standards to hit the 'underweight' range on the BMI chart. Like 100-120lbs for a 5'10" male. (And even then one is just outside the 'optimal' range, so I would not reall...
by onourway
Wed May 22, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6104

Re: Best small AWD to 'drive into the ground'

It won’t, as you note, have the best winter handling, but the new Prius is available with AWD and it totally dominates on all your other criteria.
by onourway
Tue May 21, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 14445

Re: Tired of gas grills rusting out...

Now that this thread has me thinking about replacing that old Char-Broil I think I'm going a different way. Thinking I'll go with a Camp Chef flat top griddle instead. High quality from a trusted brand for a fraction of the price of a Weber. And with the huge griddle it's more suited to the way I ac...
by onourway
Tue May 21, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 14445

Re: Tired of gas grills rusting out...

Our Char-Broil commercial series grill has been stored outside year-round in our wet NE climate for over 10 years and is only now starting to have some internal corrosion, of pieces I'm learning from this thread might be replaceable. Looking at new replacement costs, it looks like a Weber is about t...
by onourway
Mon May 20, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Display Adapter Alternative?
Replies: 15
Views: 670

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: 1610

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: 42
Views: 2594

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 Consumer Issues
Topic: Dealing with construction noise
Replies: 27
Views: 1775

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: 8868

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: 1610

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: 694

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...