Search found 785 matches

by Helo80
Tue Jul 16, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6771

Re: Tenant turned off all utilities advice please!!

willthrill81 wrote:
Mon Jul 15, 2019 9:41 am
It's situations like this that make me glad that I'm not a landlord.

Oh heck yes... i remember the thread a few weeks ago, “why wouldn’t you want to be a landlord?” ... and many of us replied with situations like this... and OP was giving the Pikachu mouth wide open meme...
by Helo80
Wed Jul 03, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 14870

Re: Peloton spin bike worth the high cost?

Exercise equipment discussions always go the same way. Yes a subset buys them and never uses them and it is a waste. But that is true of any product. That's a good point. Though, the video subscription is like $40 plus a month (?? might be $60). It just seemed really high to me, though I don't know...
by Helo80
Wed Jul 03, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 14870

Re: Peloton spin bike worth the high cost?

Peloton seems like a product that if you buy it and actually use it, despite the high cost of the bike and video classes, it's probably worth it. However, I can imagine a lot buy it and use initially, and then the fad/novelty wears off quickly.
by Helo80
Wed Jul 03, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Parents got ripped off, what can I do about it?
Replies: 75
Views: 6651

Re: Parents got ripped off, what can I do about it?

I took an unpopular opinion in this thread: https://www.bogleheads.org/forum/viewtopic.php?t=284148 about a person showing up to an ER, simply triaged by the nurse for basic vitals, and then left... charged $790. I am not interested in re-litigating this thread as it was closed by the staff for a re...
by Helo80
Tue Jul 02, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 4852

Re: 2019 Subaru Forester Eyesight System?

Lol I guess I should have expected some of the responses but I enjoy driving, it's fun, a hobby even. I reluctantly gave up stick shifts because the cars I want no longer offer them. I really prefer to shift my own gears, turn my headlights and windshield wipers on or off myself, I want to feel lik...
by Helo80
Tue Jul 02, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 4852

Re: 2019 Subaru Forester Eyesight System?

When people say Eyesight is best in class, they don't mean it's exclusive - just that the performance of the system is better than other systems. All cars have engines, but there are clear differences in performance between the engines. It's along those lines... This. Toyota does have a very simila...
by Helo80
Tue Jul 02, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 4852

Re: 2019 Subaru Forester Eyesight System?

Subaru Eyesight is the best in its class. Maybe BMW and Mercedes have something on their high end 7-series and S-classes that exceeds Eyesight, but I'm not dropping $100k+ on a car. Interesting. What does Subaru Eyesight have that a Toyota does not? Toyota has made it standard on Corolla. https://w...
by Helo80
Tue Jul 02, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 4852

Re: 2019 Subaru Forester Eyesight System?

conservativeinvestor wrote:
Tue Jul 02, 2019 8:22 am
Thank you for pointing this out and based on that this one will be crossed off the list.

Well, thanks for posting this as it saves a lot of posters time with the back and forth.
by Helo80
Tue Jul 02, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 4852

Re: 2019 Subaru Forester Eyesight System?

I am speechless why you would want to turn off Eyesight when that used to be a premium feature that was very desirable on Subs, and is now becoming more and more of a standard feature. I'll be straight up honest in that Eyesight is a selling feature in my eyes and a strong reason why I might go with...
by Helo80
Mon Jun 24, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4374

Re: Triage in ER - charged $790

Before escalating to compliance officers, you might instead see if the hospital has a complaint department or patient satisfaction laiason, detailing the coding information as outlined above. You can cc: the compliance department. Tell them you are paying cash and ask for an adjustment. You should ...
by Helo80
Mon Jun 24, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4374

Re: Triage in ER - charged $790

After leaving, you sealed your fate with respect to the bill. He who has the money has the power. If $800 is cheap, let the hospital sue him at county. I doubt the hospital's general counsel is going to see much gain in taking an $800 bill to court in the grand scheme of things. I could be wrong. $...
by Helo80
Mon Jun 24, 2019 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4374

Re: Triage in ER - charged $790

A vote for do not pay it. Let them threaten you with collections and "ruining your credit". Enough people pay nothing for ER care that they can write your bill off on their taxes (part of the reason it's artificially inflated). Continue to be a BH and put yourself in a position where you finance lit...
by Helo80
Wed Jun 19, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 49242

Re: Why are you NOT buying rental properties?

For me, it's easy: 1. I don't have the time nor interest in dealing with property managers. 2. I don't have the time nor interest in dealing with tenants. 3. I buy real estate for MY use... not others 4. I have no aspirations to be some big real estate investors. Some renters are angels. Many are no...
by Helo80
Wed May 22, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 6825

Re: Is Tesla Going To Survive?

Tesla made the first popular and mass-consumer EV. There are competitors, e.g. Nissan Leaf, but when people think EV, they think Tesla, and vice versa. However, Audi, and I believe Porsche, have had advertisements on TV for their EVs. BMW, Mercedes, et. al are not far behind. In the not too distant ...
by Helo80
Sun May 12, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Buy or keep renting in Manhattan?
Replies: 43
Views: 7329

Re: Buy or keep renting in Manhattan?

financeguy88 wrote:
Sat May 11, 2019 4:51 pm
I know everyone says that real estate prices here always go up over the long term, but I worry about political and demographic headwinds that will drive people and jobs out of NY for a while.

On the bright side --- MTA service should theoretically improve with fewer passengers.
by Helo80
Sun May 05, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2282

Re: College Tours and Open Houses

On a side note, it was interesting to me to see the differences on a college campus now vs. "during the dark ages" when I attended. Some campuses are almost like a cruise on land with: -Unlimited dining options with a wide variety of choices for meals that look delicious For dining options, I'd rec...
by Helo80
Sun May 05, 2019 12:51 pm
Forum: Personal Investments
Topic: 401k advice
Replies: 8
Views: 875

Re: 401k advice

wow, 0.11% expense fees for a total stock index? that's highway robbery even Fidelity 500 index (FXAIX) fee is going for 0.01% Meh, the ERs on this 401k are honestly not bad at all. 0.11% for TDFs. The S&P500 index is at 0.04%... We've seen 401ks that have index funds well about 0.11%. Keeping thin...
by Helo80
Fri Feb 08, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Satellite radio pricing ridiculousness
Replies: 54
Views: 3913

Re: Satellite radio pricing ridiculousness

When I subscribed to Sirius, I jumped on their chat once to try and renew at the 6 month/$30 rate and they insisted that it was a one-time promotional rate and the best they could do was $12.99. So, I put in a complaint on their site over the agent's handling of the interaction and got a nice voicem...
by Helo80
Tue Jan 29, 2019 8:23 pm
Forum: Investing - Theory, News & General
Topic: WSJ Letter on Indexing and Bogleheads
Replies: 46
Views: 4740

Re: WSJ Letter on Indexing and Bogleheads

I'd be happy to invest in an actively managed fund and pay the 1% ER (or whatever it is) if it will contractually equal or beat the S&P500 every year. All these people who make it seem like AMFs are a "no-brainer" would never take me up on that bet. Hell, if we had just put our nest eggs in Amazon o...
by Helo80
Thu Jan 24, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: NYT: TrueCar’s No-Haggle Promise Meets a Chorus of Grumbles
Replies: 20
Views: 2877

Re: NYT: TrueCar’s No-Haggle Promise Meets a Chorus of Grumbles

criticalmass wrote:
Thu Jan 24, 2019 6:51 pm
A few things about Truecar, formerly Zag:


Excellent post. A lot of that stuff I suspected had happened as when TrueCar first entered the market, it was legit pro-consumer and aiding people in getting the best possible price with minimal negotiation.
by Helo80
Thu Jan 24, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: New car down payment check
Replies: 8
Views: 633

Re: New car down payment check

When I've offered to buy a car with a check, I've told them that the check won't be good until I move money around. They were fine with that and said they would not deposit the check until I told them it was OK. Go figure. Be careful with that as that sort of stuff can get lost in translation. Peop...
by Helo80
Wed Jan 23, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: NYT: TrueCar’s No-Haggle Promise Meets a Chorus of Grumbles
Replies: 20
Views: 2877

Re: NYT: TrueCar’s No-Haggle Promise Meets a Chorus of Grumbles

Just the last of why everyone should hate buying cars experience, tried to buy a used car just under two years ago. I had some data, stuck to my price. I didn't buy it. Within 5 weeks they had it internet listed for 3K less than what they were offering it to me. The salesman had told me he was only...
by Helo80
Wed Jan 23, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: NYT: TrueCar’s No-Haggle Promise Meets a Chorus of Grumbles
Replies: 20
Views: 2877

Re: NYT: TrueCar’s No-Haggle Promise Meets a Chorus of Grumbles

I think when TrueCar first arrived on the market, it was legit, pro-consumer and pitted dealers against dealers in a deathmatch. In some markets, dealers were losing money on sales. Unfortunately, the pendulum swung the other way, and now, I think that TrueCar is simply another referral service that...
by Helo80
Wed Jan 09, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 14540

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

OP, I think that you would enjoy the Millionaire Next Door ( the original and revised edition). Also, in the same vein, Everyday Millionaires by Dave Ramsey personality Chris Hogan is another like book. Some on BH are very anti-Millionaire Next Door and critique the science and selection of the part...
by Helo80
Wed Jan 09, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 57
Views: 4654

Re: Paying "cash" for auto - possibly w regular credit card?

As others have mentioned, yes it's possible. The most I have ever been allowed though is $5000 at two different dealerships. I have heard of people outright buying cars on their AMEX business cards, but most dealerships will not let you do that. Realize that part of the credit card points you earn a...
by Helo80
Sun Jan 06, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Buying a Ryan Home?
Replies: 30
Views: 3179

Re: Thoughts on Buying a Ryan Home?

For national builders, you have to keep in mind that build quality is very local and regional. This is not a consultant practice where the same crews are traveling to LA, NYC, Washington, Florida, etc. each week. At the end of the day, quality craftsmanship costs money. There's a reason why a Merced...
by Helo80
Thu Jan 03, 2019 12:17 pm
Forum: Personal Investments
Topic: Help my daughter choose a retirement plan- OPERS (Ohio Public Employees Retirement System)
Replies: 9
Views: 878

Re: Help my daughter choose a retirement plan- OPERS (Ohio Public Employees Retirement System)

She plans to stay 5 years... for now... a lot can change in the meantime as you likely know, OP. She may like the job... for now... but find career progress to be flat. She may be in a lucrative industry that private sector recruits in. The safety of a government or university job means something, b...
by Helo80
Thu Jan 03, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 8606

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

I had a funny feeling that Jan 3 was going to be a bad day as I expected a bit of liquidity as IRA contributions would come in Jan 2. I don't pretend to be a clairvoyant, but we have a volatile market that is searching for a bottom. With raising interest rates and a slowing housing market, I don't t...
by Helo80
Wed Jan 02, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1118
Views: 158738

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

Just received my letter from Honda to get the "fix." Will get both the software update and replacement of the A/C control unit. Guess I'll be finding out soon myself if it works. Not expecting it to but I might be surprised. Will go to the dealer tomorrow to set up an appointment. This has been an ...
by Helo80
Wed Jan 02, 2019 9:49 am
Forum: Personal Investments
Topic: $6000 ROTH IRA - Invest Now or wait?
Replies: 5
Views: 841

Re: $6000 ROTH IRA - Invest Now or wait?

The general consensus here is to not try to time the market and jump right in. With your pensions... say the market dips 15%.... out of $6000, that's $900.... not a huge amount in the grand scheme of things.
by Helo80
Tue Jan 01, 2019 1:07 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 8606

Re: Is everyone maxing out their Roth IRA today? AA question too.

nolesrule wrote:
Tue Jan 01, 2019 1:06 pm
I don't have any qualifying earned income in 2019 to make IRA contributions yet. We wait till we get paid.

You can still contribute if you anticipate earning eligible income this year.
by Helo80
Tue Jan 01, 2019 8:24 am
Forum: Personal Investments
Topic: Vanguard Roth IRA 2019 automatic contributions?
Replies: 3
Views: 564

Re: Vanguard Roth IRA 2019 automatic contributions?

OP -- as a followup, Vanguard has opened the 2019 IRA contribution window with $6,000 limit.
by Helo80
Mon Dec 31, 2018 10:18 pm
Forum: Personal Investments
Topic: Vanguard Roth IRA 2019 automatic contributions?
Replies: 3
Views: 564

Re: Vanguard Roth IRA 2019 automatic contributions?

I don’t think you can setup and automatic contribution schedule for tax year 19 until tomorrow. Tomorrow morning, vanguard should flip the switch and begin allowing us to specify whether we want contributions to go to ‘18 or ‘19. When you make the contributions, you will be able to specify ‘18 or ‘1...
by Helo80
Sun Dec 30, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Whole Life Insurance (65 Life)
Replies: 61
Views: 3694

Re: Northwestern Mutual Whole Life Insurance (65 Life)

OP — NWM threads are low hanging fruit for this community to jump on as being a bad firm to work with for financial planning. If a meteor from outer space is scheduled to go through your chest January 1, 2019, you: Have no spouse Have no dependents Are maxing out your 401k and ira .... ummm... what ...
by Helo80
Wed Nov 21, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20547

Re: Vanguard lowering Admiral level to $3,000?

Other fees sorta boggle the mind -- it's like "what, we still have printing and postage?" but I doubt Vanguard would lie about it. Ok... I'll spot you that. It's going to be 55 cents to mail a first class letter soon. Bulk rates for pre-sorted lower the amount, but not anything super meaningful unl...
by Helo80
Tue Nov 20, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20547

Re: Vanguard lowering Admiral level to $3,000?

My point/question is that this thread is about "V anguard lowering Admiral level to $3,000 ?" So I'm just trying to figure our how this list relates to that, and how it helps identify which Admiral level funds have their ER's lowered. Perhaps I missed that ALL Admiral level funds are having their E...
by Helo80
Tue Nov 20, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20547

Re: Vanguard lowering Admiral level to $3,000?

Where exactly are we disagreeing? Do you think Vanguard is secretly overstating their costs and siphoning money off somewhere? Or do you merely think they need to step up their competitive game? The former would be nonsense. The latter is probably the consensus on this board. For now, I think we ne...
by Helo80
Tue Nov 20, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20547

Re: Vanguard lowering Admiral level to $3,000?

ResearchMed wrote:
Tue Nov 20, 2018 7:58 pm
So this has nothing specific to do with the lowering of some Admiral share class funds?

Or?

RM

What's your point? I stated mine earlier, and I would refer you to my first post in this thread.
by Helo80
Tue Nov 20, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20547

Re: Vanguard lowering Admiral level to $3,000?

ResearchMed wrote:
Tue Nov 20, 2018 7:46 pm
What is this list?

It's a list of every single mutual fund Vanguard offers --- all 130 of them. It does not include the 59 ETFs they offer.
by Helo80
Tue Nov 20, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20547

Re: Vanguard lowering Admiral level to $3,000?

Yes. Absolutely. The funds are not responsible for merely their marginal costs. They have to pay for their share of 16,000+ employees and all the IT infrastructure. $500 MM is peanuts. There are 130 funds on this list. https://investor.vanguard.com/mutual-funds/list#/mutual-funds/asset-class/month-...
by Helo80
Tue Nov 20, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20547

Re: Vanguard lowering Admiral level to $3,000?

Because of their ownership structure, Vanguard can't simply lower their fees on specific funds. They report actual fund costs in arrears as the expense ratio for each fund. Every fund has to pay for itself and for a share of Vanguard overhead. Vanguard has lowered expense ratios over time by loweri...
by Helo80
Mon Nov 19, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20547

Re: Vanguard lowering Admiral level to $3,000?

Funny timing as just last night I was googling and reading an article about how Vanguard introduced the concept of low-cost index funds, but has recently been getting beaten in the ER war. Basically, my old Fidelity TSM fund closed and move to one of Fidelity's newer, 1.5 bp TSM indexes and so I sta...
by Helo80
Sun Nov 18, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7836

Re: Too many choices for my next TRUCK

Got the truck. It ended up being a new 2019 F250 6.2L FX4, OTD $43K. Thank you for all the advice. The smaller Taco, Ridgeline would not have worked. The 1/2 ton 2WD (any brand) would have done it. But... Awesome! I hope that you enjoy it. At the end of the day, Taco's are not that far behind price...
by Helo80
Tue Nov 13, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7836

Re: Too many choices for my next TRUCK

"Not to split hairs, but if you add the Silverado and Sierra sales together, GMC on the whole outsells the F-150." True...see what do I know about trucks :oops: I would love to have a loaded any of the top 3 but then I would have a tremendous FIRE setback You can get one as a retirement present. Tr...
by Helo80
Tue Nov 13, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7836

Re: Too many choices for my next TRUCK

A lot of it comes down to how you feel about Ford’s aluminum beds. You’ve got corrosion resistance and fuel efficiency from aluminum but trade off price and sharp impact performance (see Chevy drop test videos). I've had 2500 lbs of 3/4" crushed stone dropped into my aluminum 2016 F-150 bed from a ...
by Helo80
Tue Nov 13, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7836

Re: Too many choices for my next TRUCK

There are many more differences between 1/2 ton trucks and the 3/4 ton trucks -lease don't buy what you do not need. If you go to a 3/4 ton you will have the harsher ride plus : higher to get into, may not fit into garage , higher CG, heavier, larger turning circle , lower mpg, more expensive brake...
by Helo80
Tue Nov 13, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7836

Re: Too many choices for my next TRUCK

Good read. What are your feelings on the turbocharged Ford engines vs their standard v8's? 7+ years ago, I would have said go with a V8. At that time, V6's did not hold their value well as that was the entry level engine for the F-150, but if you actually wanted to do hauling and have better pickup...
by Helo80
Tue Nov 13, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7836

Re: Too many choices for my next TRUCK

Ok, so I thought I was done shopping for pick up truck. I narrowed it down to either a 2018 Nissan Titan (SV) or a 2019 Toyota Tundra (SR 5.7L). They were priced in the $30K range. I was going to decide this month and pick one up. Done! But then I saw that the 2018 Ford F150 (2.7/3.5L Ecoboost) and...
by Helo80
Sat Nov 10, 2018 10:05 pm
Forum: Personal Investments
Topic: Vanguard Index Fund Admiral Shares Question
Replies: 25
Views: 3140

Re: Vanguard Index Fund Admiral Shares Question

Past returns are not a guarantee of future returns, BUT... 10 year average annual returns as of 10/31/2018: VFIAX = 13.22% VTSAX = 13.40% 5 year average annual returns as of 10/31/2018: VFIAX = 11.30% VTSAX = 10.78% Not a large difference. Both VFIAX and VTSAX are excellent choices. Since inception...
by Helo80
Thu Nov 08, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 Open Season] FEHB HDHP options for Federal Employees
Replies: 33
Views: 3332

Re: FEHB HDHP options for Federal Employees

Can someone clarify when the HSA would actually be "set up." OPM says medical expenses are only reimbursable after the HSA is set up. The GEHA pass through contribution would not be available until February 15, but I assume if I am contributing to my HSA the account will be set up when I start dedu...