Search found 1484 matches

by Helo80
Mon Jul 06, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 559
Views: 147261

Re: My New Car Buying Tips

Given that the financing is through the car company's financial services, I do not understand why they are inconsistent in the loan terms. A general rule of thumb is that you cannot double-dip on the incentives. You cannot have both cash-back and a subvented rate. Go to the factory's incentives pag...
by Helo80
Mon Jul 06, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 171
Views: 13248

Re: YoutubeTV subscription now $64.99/month

I don't mean this to be a cruel comment, but I'm sure there are many posters here who did the transition from rabbit ears to satellite/cable TV. Wasn't satellite/cable TV originally sold like Netflix as an ad-free alternative to TV? (e.g. since you're paying for the TV service, you don't have to sit...
by Helo80
Sun Jul 05, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: New/CPO car discounts? Suburban/Expedition/Yukon
Replies: 14
Views: 959

Re: New/CPO car discounts? Suburban/Expedition/Yukon

I have owned three previous rental cars and all have been very good to me, but maybe I just got lucky. In all reality, if you can get past the stigma, rentals are probably not a bad way to go at all. Everybody always assumes that rentals were abused to the nth degree, much like, every car salesman ...
by Helo80
Sun Jul 05, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: New/CPO car discounts? Suburban/Expedition/Yukon
Replies: 14
Views: 959

Re: New/CPO car discounts? Suburban/Expedition/Yukon

Full-size SUVs are very, very high-margin, there's lots of room for discounting, but that obviously doesn't guarantee you'll get a big one. Check Truecar - their average is what I'd consider (roughly) the bare minimum you can do, usually you can do better. Note that a redesigned Suburban is coming ...
by Helo80
Sun Jul 05, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: New/CPO car discounts? Suburban/Expedition/Yukon
Replies: 14
Views: 959

Re: New/CPO car discounts? Suburban/Expedition/Yukon

I am in the market for a full size SUV in the next couple months and curious what folks are seeing for dealer mark downs beyond the sticker. It will be a Suburban/Yukon XL or Expedition Max but dealers are keeping their cards close. I'm very tempted to offer an insultingly low price to see if they ...
by Helo80
Fri Jul 03, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Hopeless Civil Engineer
Replies: 134
Views: 11430

Re: Hopeless Civil Engineer

The OP is 35 years old now, so shift your schedule to the right three years. BTW, the OP is planning to get married in the near future to a man. 35 YOA just makes things even worse.... Being 44 to 45 YOA and "finally" having the end-goal salary is scary, IMHO. That's the age where many LBYM physici...
by Helo80
Fri Jul 03, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Big Scan Job: 28,800 pages
Replies: 13
Views: 1275

Re: Big Scan Job: 28,800 pages

Agree with previous poster... at that volume, it'd probably be cheaper to DIY. I suppose you can always call one of the office printer solution companies and see if they have a high volume scanner they would let you use for a fee. (e.g. Documation) Maybe you could rent a super high quality machine f...
by Helo80
Fri Jul 03, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Hopeless Civil Engineer
Replies: 134
Views: 11430

Re: Hopeless Civil Engineer

The best option for op is either find a new job, as that itself will increase income, or do an mba and go consulting route, or consider an M.D. It's fine to suggest the physician route, but let's set realistic expectations. 1. OP is 10 years out from CE degree... so let's say 32 YOA. Medical School...
by Helo80
Fri Jul 03, 2020 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Share your budget
Replies: 117
Views: 6463

Re: Share your budget

huskerfan1414 wrote:
Fri Jul 03, 2020 8:40 am
Almost 50% in taxes, $400k? My goodness sakes, that's absolutely ludicrous.

Somebody has gotta pay for everything the baby boomer politicians are buying.
by Helo80
Fri Jul 03, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 559
Views: 147261

Re: My New Car Buying Tips

On a new car purchase, to get the incentives (cash off the MSRP), I would need to finance through the dealer. If I refinance at my CU within 90 days of purchase, the CU will consider it a new car, and their interest rate may be lower than the dealership. Reading through this post, I see that the de...
by Helo80
Fri Jul 03, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 559
Views: 147261

Re: My New Car Buying Tips

Another thing to consider is that COVID-19 has disrupted the supply chain. Long story short is that you get what the dealer has in stock - which may include a premium due to a short supply. This thread contains my 2020 RAV4 buying experience, which was before COVID-19. My posts start here . Later i...
by Helo80
Wed Jul 01, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: USPS Package Odd Routing
Replies: 22
Views: 1766

Re: USPS Package Odd Routing

It probably just got thrown into the wrong bin and was routed thru PR by accident. I think that all three, USPS, UPS, and FedEx have done that to me. I had once package that was at the local PO in California take about 20 days to go about 10 miles to the final address. Every once in awhile, you read...
by Helo80
Wed Jul 01, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 171
Views: 13248

Re: YoutubeTV subscription now $64.99/month

I didn't realize that the price was ever $40. I was a bit slow to realize that YoutubeTV was a thing though... $50 seemed like a competitive price if I ever were to go back to cable. $65? No, thanks. To Youtube's credit though, they probably make it super easy to cancel. I think it's just through th...
by Helo80
Mon Jun 29, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: magicJack question - What happens if you don't pay the 911 fee?
Replies: 18
Views: 1567

Re: magicJack question - What happens if you don't pay the 911 fee?

Why would you not pay? Because fees are critical and this could be the difference between retiring at age 50 or 70. Absurd hyperbole. There is no scenario in which being short $2,459.73 at age 50* would mean a person would have to work an additional two decades. *Assumes a fee of $60/year paid from...
by Helo80
Mon Jun 29, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: magicJack question - What happens if you don't pay the 911 fee?
Replies: 18
Views: 1567

Re: magicJack question - What happens if you don't pay the 911 fee?

bob60014 wrote:
Sat Jun 27, 2020 10:33 am
Why would you not pay?


Because fees are critical and this could be the difference between retiring at age 50 or 70.
by Helo80
Sat Jun 27, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 62
Views: 5486

Re: Pilot, Highlander or CX-9

Which is weird because we (like many people) have a car seat in our Ascent behind the passenger seat without issue from when we bought the SUV. There is zero issues with enough room for a front passenger and a car seat behind which makes me wonder if the seats, especially theb2nd row one was not ad...
by Helo80
Sat Jun 27, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 62
Views: 5486

Re: Pilot, Highlander or CX-9

We wont use third row often. Just for kids in future. 2 year old and another baby due in September. We plan to buy and keep for at least 7-10 years. New home build nearing completion. Just made appliance purchase, still have to may for $10k kitchen upgrade and about $5k in other house upgrades, $20...
by Helo80
Thu Jun 25, 2020 4:50 pm
Forum: Investing - Theory, News & General
Topic: Inflation since 1209
Replies: 31
Views: 2705

Re: Inflation since 1209

Peer review my math... 1. Start with 1 pound here (lowest allowable amount) https://www.bankofengland.co.uk/monetary-policy/inflation/inflation-calculator 2. I went to an interest calculator here: https://www.calculator.net/interest-calculator.html 3. Inputted 1 as starting principal, zero annual/mo...
by Helo80
Tue Jun 23, 2020 9:12 pm
Forum: Personal Investments
Topic: Help me advise my 20 year old
Replies: 54
Views: 3088

Re: Help me advise my 20 year old

I've read this a couple times. Could you please explain to me why the low tax rate makes the Roth more important? Is it just because he is paying less taxes on the money he has to invest or because he has more to invest because of the lower tax rate? Sorry. Like I said, I'm new to all this and tryi...
by Helo80
Tue Jun 23, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: what is best decision financially regarding 2 used cars?
Replies: 23
Views: 1551

Re: what is best decision financially regarding 2 used cars?

What would you do??? I have a 11 year old Hyundai Sonata with 140,000 miles on it I bought used in 2010. Broken side mirror and stained cloth upololsty...but it runs great and A/C is superb! Needs wheel alignment and possibly new struts/suspension work. Take it to carmax and let them write you a co...
by Helo80
Tue Jun 23, 2020 8:55 pm
Forum: Personal Consumer Issues
Topic: what is best decision financially regarding 2 used cars?
Replies: 23
Views: 1551

Re: what is best decision financially regarding 2 used cars?

You got a lot of use out of the Sonata and have a good replacement vehicle. I wouldn't hold onto the Sonata - the insurance, registration, extra gas (over the hybrid Camry), and maintenance all add up. It doesn't sound like your parents really need two cars either, I would downsize to one in their ...
by Helo80
Tue Jun 23, 2020 4:11 pm
Forum: Personal Investments
Topic: Help me advise my 20 year old
Replies: 54
Views: 3088

Re: Help me advise my 20 year old

If I remember right, Robinhood is where he did that investing. And he does have a Roth and traditional with the TSP but isn't putting in much right now. Maybe only $110 month since extra funds are limited. See my post above. He should prioritize investing with TSP and an IRA, not Robinhood. +1 I wo...
by Helo80
Tue Jun 23, 2020 4:10 pm
Forum: Personal Investments
Topic: Help me advise my 20 year old
Replies: 54
Views: 3088

Re: Help me advise my 20 year old

If he's in the Air Force, point him to The Military Guide blog . There's a book the that would likely be a good place to start. If he wants to mess around with $500 at Robinhood or wherever, that could be considered "play money," but he really should look at the TSP and start putting money there. T...
by Helo80
Tue Jun 23, 2020 3:54 pm
Forum: Personal Investments
Topic: Help me advise my 20 year old
Replies: 54
Views: 3088

Re: Help me advise my 20 year old

- If an HSA-compatible high-deductible health plan (HDHP) is offered, he should seriously consider that. An HSA is a fantastic retirement savings vehicle, despite its name. When he's youngest and presumably healthiest is likely to be the best time to have an HDHP, which has potentially higher out o...
by Helo80
Tue Jun 23, 2020 3:35 pm
Forum: Personal Investments
Topic: Help me advise my 20 year old
Replies: 54
Views: 3088

Re: Help me advise my 20 year old

bogledogle wrote:
Tue Jun 23, 2020 3:30 pm
I recommend JL Collins "simple path to wealth" book or the blog here https://jlcollinsnh.com/stock-series/. There is a good interview of him at Google https://youtu.be/T71ibcZAX3I

+1 on JL Collins. His language and bluntness would get most military recruits attention.
by Helo80
Tue Jun 23, 2020 3:32 pm
Forum: Personal Investments
Topic: Help me advise my 20 year old
Replies: 54
Views: 3088

Re: Help me advise my 20 year old

Hello! First, let me say I'm really lost when it comes to investing and have a LOT to learn. Most of the posts I read on here are way over my head but I'm trying. I have a 20 year old airman that has started to invest in some things on his own. Airlines and cruise lines are some I believe. His thin...
by Helo80
Tue Jun 23, 2020 3:29 pm
Forum: Personal Investments
Topic: Help me advise my 20 year old
Replies: 54
Views: 3088

Re: Help me advise my 20 year old

You could suggest that he 1) Open an account at any of Fidelity, Schwab, or Vanguard 2) Invest the $4000 in the Total Stock Market Index Fund of the chosen brokerage (see Three-fund portfolio - Bogleheads ) There are many other suggestions that would also be reasonable. And then there's the traditi...
by Helo80
Tue Jun 23, 2020 1:42 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

AZAttorney11 wrote:
Tue Jun 23, 2020 10:27 am
corn18 wrote:
Tue Jun 23, 2020 10:26 am
He should have included #11: They will berate, belittle and bash anyone who wants to buy a $5k watch or any car other than a Camry.
And some will recommend a Tesla no matter what.

lol... I have found Subaru to be the new brand that people feel the need to evangelize.
by Helo80
Tue Jun 23, 2020 1:41 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

He should have included #11: They will berate, belittle and bash anyone who wants to buy a $5k watch or any car other than a Camry. Yes; I'm surprised no commentary on cars. IIRC, WCI has posted in the "flaunt your high mileage car thread" though, so he may be on the 150k+ mile Camry bandwagon.
by Helo80
Tue Jun 23, 2020 8:16 am
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

A surgeon charged me for an attending assistant which was not paid for by my insurance so he billed me directly. Turns out the "assistant" was medical student observing the operation. I said I was not going to pay for a medical student's education. This was all resolved over the phone. One wonders ...
by Helo80
Mon Jun 22, 2020 11:46 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

If you look at the vast majority of median and average household incomes.... nowhere near BHs, and hence why I would not recommend this place to people in very "average" jobs like teachers/LEO/fire. There are people of all income/wealth levels who come for help. Yes, they have to keep in mind that ...
by Helo80
Mon Jun 22, 2020 11:22 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

Boosting income is important, but advice on boosting income needs to be tailored to the individual. If a 35-year-old teacher comes on here earning $60k/year, it's not helpful to make them feel like failures for not breaking 6 figures. There are some individuals on here who act like anyone earning u...
by Helo80
Mon Jun 22, 2020 9:44 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

Horton wrote:
Mon Jun 22, 2020 9:42 pm
WCI is probably having a good laugh reading through this thread! :sharebeer
Oh yeah, it's on his radar and he knows this community well enough to push its buttons.
by Helo80
Mon Jun 22, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

Uuugh, it’s absurd to suggest you can find out the costs of medicine in advance. One out-of-network doctor and bam! Yuppers.... And my Voodoo doll in the healthcare office has not been violated by any physicians, and I have not personally but on the hook, nor has anybody in my immediate family, for...
by Helo80
Mon Jun 22, 2020 8:32 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

sure, but don't blame the docs for not having proper coverages.....if your neighborhood floods and you don't have flood insurance, do you blame the contractor's prices while are trying to make repairs? I'm allowed to shop around for contractors, right? I also can get straightforward prices, right? ...
by Helo80
Mon Jun 22, 2020 8:26 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

He’s asking to be an informed consumer. I believe that to be fair and give kudos. Thank you, thank you, thank you. I gave the example of my experience to find the charge for a simply PC visit at a satellite FM clinic and even the billing person took a few minutes to track that information down. I d...
by Helo80
Mon Jun 22, 2020 8:13 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

Uggg. I dont even know where to start with this post. I tried and gave up. Anyone comparing healthcare to a McDonalds burger or a steak at Mortons shouldn't be talking about the subject. It is just too complex, yet, this is the most common compare. How come I know what a burger costs but I dont kno...
by Helo80
Mon Jun 22, 2020 8:11 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

And WCI, obviously as an ER doc, if people show up after a car accident... they don't exactly have time to shop around or find "in-network" providers. Nor, are they in the right state of mind to let their physicians know to try to stretch their dollars as far as possible. It's not exactly unfair th...
by Helo80
Mon Jun 22, 2020 7:00 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

And now for the side betting pool: which of these 10 items will become the primary debate within this thread? Dave Ramsey, ever the polarizing figure, appears to be in the early lead. I can find good things to say about Dave Ramsay. Medical Billing on the other hand..... Yeah, and Dave always celeb...
by Helo80
Mon Jun 22, 2020 6:58 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

And now for the side betting pool: which of these 10 items will become the primary debate within this thread? Dave Ramsey, ever the polarizing figure, appears to be in the early lead. It's been at least a week since the last DR thread.... We should have a BH bot that just posts entire posts from pr...
by Helo80
Mon Jun 22, 2020 6:42 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

"Guess what? Doctors are expensive. If the bill is accurate and your insurance company has paid its portion, then it’s time for you to pay your portion. If you don’t like the deal you made with your insurance company or the deal the insurance company made with the doctor on your behalf, then go to ...
by Helo80
Mon Jun 22, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: automobile 2 yr used vs new
Replies: 29
Views: 2613

Re: automobile 2 yr used vs new

I'm not going to disagree with you, but I did the math on an Accord that I bought 4 years ago and it was pretty much a wash between a new accord and a 2014 certified pre owned if you make the large assumption that you use the car till its 10 years old. For example, you get to drive a new car for 10...
by Helo80
Mon Jun 22, 2020 11:58 am
Forum: Personal Finance (Not Investing)
Topic: automobile 2 yr used vs new
Replies: 29
Views: 2613

Re: automobile 2 yr used vs new

We can agree to disagree but short of the OP telling us what he bought and paid there is no way to prove your point. New car buyers are new car buyers because they want a car to their exacting specs and have a fear of buying used or simply no desire to buy used. All that is fine and well and there ...
by Helo80
Mon Jun 22, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: automobile 2 yr used vs new
Replies: 29
Views: 2613

Re: automobile 2 yr used vs new

So... OP revived a 1+ year old thread. Not sure why. You all are just arguing now over car ownership philosophies.
by Helo80
Mon Jun 22, 2020 8:56 am
Forum: Personal Finance (Not Investing)
Topic: automobile 2 yr used vs new
Replies: 29
Views: 2613

Re: automobile 2 yr used vs new

I bought new for reasons below: In general yeah. You have a 30k MSRP car that is selling for 22k after 2 years. Thats a decent discount. But you could have bought it new for 26k. 4k for 2 years of driving isn't much of a discount. I will pay that to avoid the risk of getting someones lemon, a smoke...
by Helo80
Sun Jun 21, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: Repairing car after an accident
Replies: 17
Views: 1009

Re: Repairing car after an accident

I'm wondering if the insurance company will reimburse me for the appraisal fee? Or is there another way to determine the diminished value? What's the year/make/model /mileage of the car? Realize that if you have a BH-approved car, like a 2010 Corolla with 120k miles, that may be your personal 488, ...
by Helo80
Sun Jun 21, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Selling an RV: how to safely receive payment?
Replies: 27
Views: 2272

Re: Selling an RV: how to safely receive payment?

Trader Joe wrote:
Sat Jun 20, 2020 7:02 pm
Good advice in this thread. FYI, no used RV is worth anywhere near $100,000 USD. Be careful.
Eh.... kind of like cars, there is a huge range in prices.
by Helo80
Fri Jun 19, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10402

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

Just because they know how much money you have, doesn't mean you have to buy it. If the property is super unique or a celebratory home, I could see the owner being disinterested in looky-loos. PS - it's not terribly difficult to doctor up financial statements. I mean, I don't see the legal issue as ...
by Helo80
Wed Jun 17, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: Replace my 4 Runner? Update on Repair Post 47
Replies: 62
Views: 3647

Re: I May Need to Replace my 2005 4 Runner :(

Indeed, I thought the advantage of the Landcruiser is that it lasts forever, for 200K miles or so. But in that 200K miles you use...at best...13,000 gallons of gas...and that is around $40K...half the price of the vehicle right there. Buy a cheaper vehicle...for half the price or less...and use hal...
by Helo80
Tue Jun 16, 2020 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8032

Re: Would you rent your house to a famous athlete?

Come to think of it, when I was in HS, a famous athlete that played professionally (in one of the big three MLB/NBA/NFL) did live in the neighborhood while his new home was being built. There were no real issues with him, other than he was international and from a country that did not respect women ...