Search found 1026 matches

by Helo80
Mon Nov 18, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV4 Hybrid. Any known problem?
Replies: 12
Views: 1065

Re: 2018 RAV4 Hybrid. Any known problem?

Nothing systemic. Nobody makes a better hybrid system than Toyota. Period.
by Helo80
Mon Nov 18, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 36
Views: 3540

Re: Toyota Highlander vs Subaru Ascent--Advice

My 2014 Highlander has been pretty frustrating. I do think most of my issues are due to it being the first model year of a new body style. I've had the following issues: Front right strut replaced Rear trailing arms replaced twice All four door lock actuators replaced (failed one by one over a year...
by Helo80
Mon Nov 18, 2019 5:02 pm
Forum: Personal Investments
Topic: HSA Bank and Trustee to Trustee Fee question for FEHB
Replies: 21
Views: 1678

Re: HSA Bank and Trustee to Trustee Fee question for FEHB

Does PayFlex, with MHBP, automatically invest each $100 pass through HSA money into a chosen fund such as VG’s S&P? Or do you need to open the account and invest yourself each month? Yes.... Once you meet the $1,000 minimum on Payflex, you can set Payflex to auto-sweep any monies above $1,000 into ...
by Helo80
Sun Nov 17, 2019 10:16 pm
Forum: Personal Investments
Topic: HSA Bank and Trustee to Trustee Fee question for FEHB
Replies: 21
Views: 1678

Re: HSA Bank and Trustee to Trustee Fee question for FEHB

That being said, MHBP seems attractive, if not more so, than GEHA right now, and I'm hoping the more educated BH folks can chime in on it. I use very little healthcare and have enough to cover the deductible. What did you decide in 2018 Open season? May I ask how you’ve kept or changed your decisio...
by Helo80
Sun Nov 17, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 36
Views: 3540

Re: Toyota Highlander vs Subaru Ascent--Advice

We couldn’t wait for the Highlander to be updated, so I eliminated the current offering since it’s dated. In what way is it dated? Serious question here.... It came out in 2017 and has a new one come in December. IMHO, the Ascent is the one that has the dated interior. Look at all the mid-size SUVs...
by Helo80
Sun Nov 17, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Car Lease Immediate Buyout
Replies: 13
Views: 1096

Re: Car Lease Immediate Buyout

The reason I would buy out the lease immediately is to avoid the substantial rent (interest) charge that would be paid as part of each monthly payment. The base effective rate, which I'm getting, that the manufacturer has set for anyone availing of this incentive is 6.7% (0.00187). If I were to tak...
by Helo80
Sun Nov 17, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: AWD Camry
Replies: 37
Views: 2699

Re: AWD Camry

people say awd costs more over time - how much over 100k miles? Depends on the car. AWD adds more weight to a vehicle and since you're delivering power to four wheels, you can expect maybe a 1 MPG drop. Furthermore, AWD systems tend to be a bit more to fix when they break down. That being said, man...
by Helo80
Sun Nov 17, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Car Lease Immediate Buyout
Replies: 13
Views: 1096

Re: Car Lease Immediate Buyout

I'm somebody whom does not view car leasing as negotiating with Satan himself, nor do I start switching and immediately come to BH to describe how a dealership tried to scam me when leasing or payments were brought up.... I agree with another poster... I do not understand your immediacy in desiring ...
by Helo80
Sat Nov 16, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: AWD Camry
Replies: 37
Views: 2699

Re: AWD Camry

AWD is cool and all, but I'd pretty much avoid it unless you're in a climate that receives a lot of rain and/or really bad weather all the time. AWD systems add to the bottom cost of the vehicle, are more complex systems that cost more to repair when they break, consume more gas, and even in bad wea...
by Helo80
Sat Nov 16, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 36
Views: 3540

Re: Toyota Highlander vs Subaru Ascent--Advice

We have had the Ascent for about 10 months now. Absolutely love it, especially on road trips (we also have a 2010 Forester). We recently rented a Highlander on a vacation and the Ascent is night and day better. Comfort, handling, technology, etc. Were you comparing like to like? Rental companies ge...
by Helo80
Sat Nov 16, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 36
Views: 3540

Re: Toyota Highlander vs Subaru Ascent--Advice

If it were me, I would go with Toyota. Why? Subarus *sometimes* burn oil. I am unsure if that is an issue with Ascent. But the problem was pretty widespread from what I could gather. Highlander is older design, so it should be more reliable than Ascent. I agree with this point as a weekend mechanic...
by Helo80
Sat Nov 16, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 36
Views: 3540

Re: Toyota Highlander vs Subaru Ascent--Advice

BLUF: I think that you will be happy with either, though, I think that 2019 or 2020 Highlander have the edge. The 2019 Highlander is at the tail end of this generation. It is unlikely dealers will be receiving anymore as MY2020 is about to go into production. So, if you're looking for a deal on 2019...
by Helo80
Wed Nov 13, 2019 5:21 pm
Forum: Investing - Theory, News & General
Topic: Saving for a new vehicle
Replies: 36
Views: 3209

Re: Saving for a new vehicle

Buy an inexpensive car: https://alephblog.com/2014/10/08/buying-an-inexpensive-car/ Amusing... Not all of us have a disdain for spending any more than is absolutely necessary to get into a vehicle. Though, he lives in DC and parking is a nightmare there. So, I can see how owning a small vehicle mig...
by Helo80
Wed Nov 13, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buying(or leasing) a car with OOS ID
Replies: 5
Views: 385

Re: Buying(or leasing) a car with OOS ID

Interesting issue and not one I have encountered or heard of before. The big issue with OOS buyers is not that they are lepers or anything as dealerships want to just sell you a car... it goes more towards different states DMV registration and taxing systems. Your average PA dealership does not know...
by Helo80
Tue Nov 12, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 21
Views: 1648

Re: Looking at buying a foreclosure Dallas area cash

I accept that there will at a minimum be some repairs/make ready and worst case probably a roof or something like that. Upside is I'm tired of paying 2kish in rent and am considering the benefits of living free and clear AND getting a decent discount on the initial purchase. If I'm not mistaken... ...
by Helo80
Tue Nov 12, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: acura rdx or mercedes glc300 small luxury suv
Replies: 16
Views: 1143

Re: acura rdx or mercedes glc300 small luxury suv

we have our next car purchase down to the above choices, any recommendations and comments are appreciated. will be paying cash, can afford either one I know there are many other vehicles out there but please limit the comments to just the acura and mercedes reliability or fun? Nobody beats the Germ...
by Helo80
Tue Nov 12, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4826

Re: (Sigh) "Wasting" year-old smoke detector batteries...

bertilak wrote:
Tue Nov 12, 2019 9:45 am
I always wait until the detectors themselves start giving the low battery intermittent beep. This always happens at 2 AM!

Yup... that was me last night... and yes it was about 1:30 AM.
by Helo80
Tue Nov 12, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4826

Re: (Sigh) "Wasting" year-old smoke detector batteries...

Actually, "replace smoke alarm batteries" is on my to-do list right next to me...

One starting chirping in the middle of the night (it's always the middle of the night... and has been quiet for the last few hours).

brb
by Helo80
Tue Nov 12, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11210

Re: Saving seats on Southwest

I fly frequently and usually board A15. When I travel with my wife and kids, I will save seats. When people see my seats save, they ask me if they can sit there. I say "My family is traveling with me and I'd like them to sit there." I have never had a problem with people choosing other seats. .... ...
by Helo80
Tue Nov 12, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 44
Views: 4416

Re: Is LastPass still top in security, any reason to switch?

A lot of financial hacking is the result of family, friends or others with physical access stumbling across written down passwords. A paper with written passwords presents new vulnerabilities. I recommend a digital record of the passwords separate from the password manager that is kept in an encryp...
by Helo80
Mon Nov 11, 2019 5:51 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 174
Views: 11615

Re: Investing $140k in cash at 1k per week

Wow! Thanks for all the replies! :happy If the market doesn't crash, then you will be buying everything high and would have lost thousands due to not having your money be in the market. The same could be said if the market crashes in the next year or two. I think the DCA vs lump sum strategies come...
by Helo80
Mon Nov 11, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 44
Views: 4416

Re: Is LastPass still top in security, any reason to switch?

My recommendation is to write down financial services (e.g. banks and brokerage firms --- not so much CC companies) passwords in a safe place at home, and use LastPass for everything else.
by Helo80
Mon Nov 11, 2019 4:13 pm
Forum: Investing - Theory, News & General
Topic: Saving for a new vehicle
Replies: 36
Views: 3209

Re: Saving for a new vehicle

I don't think there are any mind blowing new safety features within the last five years. Seven years, maybe. At ten years, I'd say it's definitely time to get the new generation of safety features. Adaptive Cruise Control is becoming standard, Automatic Emergency Braking, backup cameras, testing fo...
by Helo80
Mon Nov 11, 2019 4:00 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 174
Views: 11615

Re: Investing $140k in cash at 1k per week

If I were you, I'd invest 2,000 per day over the next 70 trading days. That way you average out your buys over the next 3 months.
by Helo80
Mon Nov 11, 2019 2:08 pm
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3375

Re: What’s in your TSP?

The G Fund sounds special. Do most people with the option of this fund, take full advantage, because it’s so unique? I would say more so in retirement. When TSP started, I believe it was the only fund available. G-fund used to be the default for new hires whom did not elect a different fund allocat...
by Helo80
Mon Nov 11, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 24
Views: 1682

Re: Credit Card Charge - refund

You have 60 days to dispute, so need to be in too much hurry to go that route. If I'm not mistaken, timing becomes a little different when you're dealing with services. E.g. You buy $50 widget at Abc.com, they never ship it... they run away.... you have 60 days. You pre-pay a 1 year gym membership ...
by Helo80
Mon Nov 11, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11210

Re: Saving seats on Southwest

I fly frequently and usually board A15. When I travel with my wife and kids, I will save seats. When people see my seats save, they ask me if they can sit there. I say "My family is traveling with me and I'd like them to sit there." I have never had a problem with people choosing other seats. .... ...
by Helo80
Mon Nov 11, 2019 10:12 am
Forum: Investing - Theory, News & General
Topic: Saving for a new vehicle
Replies: 36
Views: 3209

Re: Saving for a new vehicle

Consider leasing as you think about this. I KNOW I KNOW most Bogleheads don't agree. But it has some big benefits: 1. You don't need to worry about changing your current asset allocation. That has value in that cash will pay what cash pays and you may have to forgo positive market moves should they...
by Helo80
Mon Nov 11, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: Saving for a new vehicle
Replies: 36
Views: 3209

Re: Saving for a new vehicle

Consider leasing as you think about this. I KNOW I KNOW most Bogleheads don't agree. But it has some big benefits: 1. You don't need to worry about changing your current asset allocation. That has value in that cash will pay what cash pays and you may have to forgo positive market moves should they...
by Helo80
Sun Nov 10, 2019 9:19 pm
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3375

Re: What’s in your TSP?

I still have trouble understanding whether or not G or F is better.... and whether it's ok to split my bond portion between the two. I know that G has almost no risk and a slightly lower return. I'd appreciate any thoughts people have on the G vs F. I keep my bonds in the TSP and am 100% equities o...
by Helo80
Sun Nov 10, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: Underwater Car Loans
Replies: 38
Views: 2297

Re: WSJ: Underwater Car Loans

Is this really that big of a deal? Yes, the owners are underwater but it’s essentially a secured loan. The loss due to default is just the difference between the value and the loan. The leverage here seems to be relatively low and there can’t be a margin call. I mean, if people had a $100k loan on ...
by Helo80
Sun Nov 10, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: Underwater Car Loans
Replies: 38
Views: 2297

Re: WSJ: Underwater Car Loans

It's a bit sensationalist and over the top as Santander is one of the most predatory lending firms out there. They get a bad rap partly because they will accept really bad credit applications for huge APRs (e.g. 20% on up). But, if you want examples of people with the most neggy eggy ---- Santander ...
by Helo80
Sun Nov 10, 2019 11:14 am
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3375

Re: What’s in your TSP?

MichDad wrote:
Sun Nov 10, 2019 11:08 am
I’ve posted my TSP account progression here:

viewtopic.php?f=2&t=163802#p4777349

MichDad

Thank you for sharing!
by Helo80
Sun Nov 10, 2019 11:13 am
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3375

Re: What’s in your TSP?

It’s interesting to see only one person, so far, using the L Fund. As the ER is quite low, what’s the negative to the L Funds? Is it more optimal to recreate the 3 fund portfolio inside the TSP? Are there any benefits to the L fund? Bogleheads like to mess around with their investments. The L Funds...
by Helo80
Sun Nov 10, 2019 11:09 am
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3375

Re: What’s in your TSP?

I personally keep contributions it at 60/20/20 for C/S/I. I have not bothered to re balance. I tend to keep IRAs at 100% TSM (or close to). It’s interesting to see only one person, so far, using the L Fund. As the ER is quite low, what’s the negative to the L Funds? Is it more optimal to recreate t...
by Helo80
Sat Nov 09, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV? UPDATE
Replies: 57
Views: 5149

Re: Honda CRV, Accord, or Toyota RAV? And the winner is....

And the winner is.... Honda HRV! She decided to lease a new HRV for $200/month versus buying new. Thank you for all of your help an input, I did share your opinions with her. Awesome!! And +1 for the lease for somebody at her age. I only say this because safety and technology are getting better and...
by Helo80
Sat Nov 09, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Fully loaded 2016 Lexus RX350 for $34K - good deal?
Replies: 11
Views: 1364

Re: Fully loaded 2016 Lexus RX350 for $34K - good deal?

I don't have time to price the whole thing out with a 2020... but I generally would not trust a salesman that says it's a "killer deal".... I would say if it's fully loaded, has the Nav and damn near everything else the 2016's had.... with "only" 28k miles and about $25k off sticker of what a 2016 M...
by Helo80
Sat Nov 09, 2019 12:14 pm
Forum: Investing - Theory, News & General
Topic: Negative Equity Auto Rollovers Increasing
Replies: 4
Views: 438

Re: Negative Equity Auto Rollovers Increasing

https://www.wsj.com/articles/a-45-000-loan-for-a-27-000-ride-more-borrowers-are-going-underwater-on-car-loans-11573295400 Two excerpts; Borrowers are responsible for paying their remaining debt even after they get rid of the vehicle tied to it. When subsequently buying another car, they can roll th...
by Helo80
Sat Nov 09, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Acura TLX owners
Replies: 17
Views: 1495

Re: Acura TLX owners

I'm considering purchasing a used CPO Acura TLX, maybe on the last day of the year. My options currently are 2019 V6 FWD A-Spec (~$31,000) , 2018 AWD V6 with Tech package (~$32,000), 2018 AWD V6 A-spec (~$33,000). I am confused ----- why are you including vehicles with prices, but possibly waiting ...
by Helo80
Sat Nov 09, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6680

Re: Was I ripped off at the car dealership?

Unlikely they are going to mess it up? You do know that they assign the least qualified person to do the oil changes, right? In fact, it may not even be a trained mechanic. Car/truck forums have numerous posts about stripped oil drain bolts , over/under filling of oil, leaving the oil cap off, putt...
by Helo80
Sat Nov 09, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6680

Re: Was I ripped off at the car dealership?

Jags4186 wrote:
Sat Nov 09, 2019 10:08 am
As for an oil leak, if you don’t have an oil stain in your driveway then you don’t have an oil leak.


Oh brother....
by Helo80
Sat Nov 09, 2019 10:08 am
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3375

Re: What’s in your TSP?

I personally keep contributions it at 60/20/20 for C/S/I. I have not bothered to re balance.

I tend to keep IRAs at 100% TSM (or close to).
by Helo80
Sat Nov 09, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: CPO BMW 5 Series
Replies: 21
Views: 1855

Re: CPO BMW 5 Series

After that, I may considered purchasing an aftermarket extended warranty. The price of the vehicle is $22,000, which seems like a very competitive price, as other area dealers are selling nearly identical cars with higher mileage for up to $5,000 more. Does this price seem too good to be true? Any ...
by Helo80
Sat Nov 09, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6680

Re: Was I ripped off at the car dealership?

I wonder if the guy didn't just take a rag and wipe oil under the oil pan. This is the same rag he shows everybody - wasn't even your oil or pan. Reminds me of the extra $$$ I paid for TRU-COAT from Jerry Lundegaard at the Fargo dealership :moneybag Last potential ripoff for me was a dealer warrant...
by Helo80
Sat Nov 09, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6680

Re: Was I ripped off at the car dealership?

Backseat forum auto repair experts, coupled with not being there, yields.... Far more to the point and humorous than I could have been... my favorite was listening to somebody here explaining why their 2+ Ton Suburban with 180k+ miles still had good shocks because the annual state safety inspection...
by Helo80
Sat Nov 09, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Acura TLX owners
Replies: 17
Views: 1495

Re: Acura TLX owners

Yes, I was told by the dealership that the last week of December is the best opportunity for deals, but it is chaotic. Thanks for the suggestions. ............... yes......... but that's for the new side. The factories usually have monthly/quarterly/annual sales goals for new cars at all of the dif...
by Helo80
Sat Nov 09, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: Acura TLX owners
Replies: 17
Views: 1495

Re: Acura TLX owners

Not to mention the mileage on each one of these is something to take into consideration (and prior ownership/maintenance etc etc since they are all CPO). Cars usually leave the lot in 30 days, there's a strong chance these will all be gone by then. So, there is no hard and fast rule about how long ...
by Helo80
Sat Nov 09, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6680

Re: Was I ripped off at the car dealership?

Scotty Kilmer changing the oil gasket: https://youtu.be/eJY_4zhhNPA The amount of work this takes varies a lot depending on the car model. I like some of Scotty's videos.... I really do... and I'm not questioning his qualifications... but he sometimes generalizes way too much, and I'm not surprised...
by Helo80
Sat Nov 09, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6680

Re: Was I ripped off at the car dealership?

Backseat forum auto repair experts, coupled with not being there, yields.... +1. The poster who stated replacing the gasket should only take 20-30 minutes has apparently never changed one. Removing pan, scraping old gasket, cleaning residue from pan and drying it, installing new gasket and torquing...
by Helo80
Sat Nov 09, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6680

Re: Was I ripped off at the car dealership?

What is your car model/year/engine? That's a very important fact you left out. Are there any known oil gasket issues with this engine? (See model message boards). What is the book shop time for this repair? (See model message boards). *Some models may have a complex procedure. This is more likely w...