Search found 427 matches

by Helo80
Mon Nov 20, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 52
Views: 5262

Re: Drive it till it dies. It died.

OP, first off, very sorry to hear this... Hopefully nissan can work a deal with you to take off the blunt of the repair cost. Unfortunately, the whole "drive it until it dies" is some of the bad talking points issued at BH and other personal financial forums. The same goes for the "never lease a veh...
by Helo80
Fri Nov 17, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: TSP Modernization Act Signed Into Law
Replies: 24
Views: 2729

Re: TSP Modernization Act Signed Into Law

Yaaaaayyy!!!! Now this thread cannot be deleted for falling into "proposed legislation".
by Helo80
Fri Nov 17, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 80
Views: 5161

Re: Tesla truck unnveil

So... - Model S - Model X - Model 3 - Super Exotic - big rig .... are all vastly different vehicles, targeting vastly different markets. Do they plan to make them ALL under the same roof? I have not even seen their factory floor, and I think it's going to be a disaster. Even when ol' Elon was saying...
by Helo80
Fri Nov 17, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 21
Views: 1491

Re: Electric Car (Nissan Leaf) for a teen driver?

Sounds like she would be an excellent candidate for one as she won't be able to drive far.
by Helo80
Fri Nov 17, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Is dent repair service worth it?
Replies: 17
Views: 1470

Re: Is dent repair service worth it?

Have you contacted the shop and gotten their professional opinion on how it might look afterwards? They're the body shop, not us. They can see the dent, we cannot. They have the experience we don't.

You have an Infiniti. Odds are, it's not worth repairing as you'll get hosed in trade in anyways.
by Helo80
Fri Nov 17, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.
Replies: 23
Views: 3153

Re: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.

To those suggesting Camry.. come on.. not the same car.. I will say this... what hacks me off about Camry and Lexus sister ES is that a fully-loaded, top of the line Camry runs about $38-ish. That's right where ES starts so you think "Hey, might as well get a lexus", but in order to get a decently ...
by Helo80
Fri Nov 17, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.
Replies: 23
Views: 3153

Re: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.

I would stay away from the IS250. They are known to have carbon build up (your warranty will cover it however). I have heard they are very sluggish as far as power is concerned. The new body style has just come out. I think the price is too high as well. I bought a 2006 IS 350 in 2011 with 18k mile...
by Helo80
Sun Nov 12, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: When to fund 2018 Roth
Replies: 2
Views: 501

Re: When to fund 2018 Roth

Yes, there are mechanisms in place to roll back your contribution and earnings off of said contribution. You would have until April 2019 to fix it. https://investor.vanguard.com/ira/excess-contribution In terms of waiting until you have $6500 to contribute... I guess it's more if you're willing to t...
by Helo80
Sun Nov 12, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 1282

Re: What Credit Card is good for me?

Also, for general use, I am thinking of replacing the Chase Freedom with Fidelity Visa card - this has 2% cashback on all purchases. Is this a good choice/switch? Any other cards I should consider? Chase Freedom for 5% cash back categories Discover IT - for 5% cash back in other categories Citi Dou...
by Helo80
Sun Nov 12, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5555

Re: Costco for tires and car insurance?

The problem with Costco tires is they add an unauthorized $200 charge to every install. Shoot, sometimes it's been as high as $300 if the install takes two hours. And the caloric intake from all those samples doesn't help my waistline, either! Well... I'm sure they have done plenty of market resear...
by Helo80
Sun Nov 12, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is my employers 3rd party administrator correct about VG expense ratios?
Replies: 9
Views: 747

Re: Is my employers 3rd party administrator correct about VG expense ratios?

TBH --- your adviser worded it kind of funny, but is correct. Truth be told, I do not know what my "average" ER is for my entire MF investment portfolio. I'm mostly in Vanguard funds that are already aggressively priced in expenses. I am not saying it's a "pointless" calculation, but in the grand sc...
by Helo80
Fri Nov 10, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 8084

Re: $23k credit card emergency

ursula wrote:
Thu Nov 09, 2017 9:53 pm
Sidebar: I feel like nobody would want to seriously date a loser with so much CC debt anyways :(

You would be surprised.
by Helo80
Fri Nov 10, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3344

Re: Do telecom stocks have a future?

I don't think anyone has brought up Nortel.
by Helo80
Fri Nov 10, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5555

Re: Costco for tires and car insurance?

Heads up --- If you are a member of Sam's Club, I think tomorrow, Veteran's day, they're running a special where it's like up to $80 off four new tires and then the install ($60 or so) is free. When I got my tires rotated at Sam's yesterday, he was telling the gal in front of me that you could pay f...
by Helo80
Tue Nov 07, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5312

Re: Eye Doctor $30 to get your Rx? Is this normal?

Hello, My wife has been complaining about her vision for a while, decided to see an MD Ophthalmologist that participates in our HMO. We called and verified a $20 copay for the eye exam. She received her full eye exam, but our VSP vision plan, separate from the HMO, does not cover lenses and frames ...
by Helo80
Mon Nov 06, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: How Much should I fund my HSA and Why?
Replies: 21
Views: 1836

Re: How Much should I fund my HSA and Why?

My question is whether it still makes sense to max fund a HSA when one is in their 50s versus some in their 20s like the OP? IMHO, if you are financially able to, yes, I would still contribute to 401k, Roth IRA, and HSA in 50s https://www.smu.edu/-/media/Site/BusinessFinance/HR/pdf/Benefits/HSA--Me...
by Helo80
Mon Nov 06, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: How Much should I fund my HSA and Why?
Replies: 21
Views: 1836

Re: How Much should I fund my HSA and Why?

Does maxing the HSA still apply if you are semi-retired and your employer does not offer a HSA and you are buying insurance on the Exchange and the plan is HSA-eligible? If you are buying a HDHP on the exchange, it should be HSA eligible. You should be able to setup a HSA on your own and contribute...
by Helo80
Sun Nov 05, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401k investment vs taxable account.
Replies: 15
Views: 1065

Re: 401k investment vs taxable account.

Also I'm currently contributing 18k to my 401k I'm just wondering if it makes sense to contribute more since I thought the capital gains tax isn't incurred for investments in a 401k Traditional 401k -- yes, taxed on withdrawal as monies contributed lower your annual taxable income. Roth 401k - no t...
by Helo80
Sun Nov 05, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Home network question
Replies: 17
Views: 1165

Re: Home network question

Ideally, you would run a CAT 5e/6/6a whatever from your home to the shop. Home: WiFi Router with built-in switch. Likely, you'll set this as your DHCP server for adding new wireless clients to your home subnet. Shop: WiFi Router setup as a Wireless Access Point; disable DHCP. Basically, when you mov...
by Helo80
Sun Nov 05, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: USAA membership loophole?
Replies: 11
Views: 2176

Re: USAA membership loophole?

OP, maybe you are aware of this, but there are various tiers of USAA insurance products. For the banking and investment products, I think that the distinction is minimal, if any difference exists. The "best" tier, is to have been you, yourself a commissioned officer in the services. From there, ther...
by Helo80
Sun Nov 05, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3137

Re: bidets

itstoomuch wrote:
Sun Nov 05, 2017 11:51 am
^that's a great price and with a Costco standard return policy.

:| :shock: :| :shock:
by Helo80
Sun Nov 05, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3137

Re: bidets

No, thank you.
by Helo80
Sun Nov 05, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19544

Re: To take or not to take delivery of Tesla 3

Another thing to remember is that Model 3 has supercharger "access" but you need to pay for it. I suspect since the 3 owners by definitions are "frugal" (OK, call us cheapskates if you like :-), and Tesla being the company to optimize their revenues, the cost of that access is NOT going to be subsi...
by Helo80
Sun Nov 05, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5511

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

angelescrest wrote:
Sat Nov 04, 2017 6:51 am
Well, the vast majority of Americans with a home fall under your criteria. If that’s a scary and dark place for you, go meet “these people”, mostly regular middle class folks.

This is from student loan, credit card, and toys (anything with a engine) debt.
by Helo80
Sun Nov 05, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Anyone else have problems with Fitbit products?
Replies: 19
Views: 873

Re: Anyone else have problems with Fitbit products?

Yes, I purchased the units for my parents, and both of them have had at least 1-2 replacements under warranty. The price and design are okay, but the bubbling of the wrist band, the charge connection breaking or the battery failing have all been issues. Overall, the devices are simply a disappointme...
by Helo80
Fri Nov 03, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 1487

Re: 36k Career Starter Loan

It is the USAA career starter loan Ok... well, I would probably do the same as you then... take the loan at 0.75 points and then invest it immediately. You'll have a stable job and source of income so there's less concern about your ability to pay back said loan (which is why you can get it at 0.75...
by Helo80
Fri Nov 03, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 1487

Re: 36k Career Starter Loan

I am required to 5 years of military officer service and the money will be deducted from my monthly pay automatically. To clear up confusion, I attend the US Naval Academy and the loan is offered to all midshipmen (students). We are considered active duty right now and employment is no issue; we ge...
by Helo80
Fri Nov 03, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 1487

Re: 36k Career Starter Loan

I am required to 5 years of military officer service and the money will be deducted from my monthly pay automatically. To clear up confusion, I attend the US Naval Academy and the loan is offered to all midshipmen (students). We are considered active duty right now and employment is no issue; we ge...
by Helo80
Fri Nov 03, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 1487

Re: 36k Career Starter Loan

Do you have a link to the program your college is running so that we can investigate the terms and conditions for you? It's not like we're going to hunt you down as you are one of thousands of students, right? Giving 20 year olds $36K at 0.75%... I don't know if you can even get a collateral rate th...
by Helo80
Fri Nov 03, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5511

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

Real estate affords you much more control, much more cash flow, and much better tax treatment. I don't follow DR but this all seems logical to me. Well, Dave is a real estate agent (still to this day) and probably says once a week that he likes real estate and he invests in real estate. It's a hobb...
by Helo80
Fri Nov 03, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5511

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

Endorsed Local Providers are selling their services, and paying advertising to Dave. If you are doing this, you have to be making money somehow, and unless you are in a AUM model, you are likely selling loaded funds to make money for yourself. Sure, you could be charging an hourly rate, but I doubt...
by Helo80
Fri Nov 03, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5511

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

Just to second an answer already posted, he does advocate S&P500 in taxable accounts because of the tax efficiency. He does not want his followers that are forced into this kind of option to be stuck with a big tax bill in addition to the waves of the market. Yup --- On Nov 2 during this call, he e...
by Helo80
Fri Nov 03, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5511

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

First off, please do not post here if you intend on bashing Dave Ramsey for his investing advice. Otherwise, the thread will get locked or deleted. ^ I don't think criticizing Dave is against forum rules. His investing advice is not the worst thing he does; the worst is he ALWAYS advises people to ...
by Helo80
Thu Nov 02, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 3371

Re: Help me understand the Used Car Dealership perspective

It's a branded car dealership with several GM lines. They seem quite busy with new car sales and used GM car sales when I've been there. Most of their used cars are GM products but they have about 10-14 Japanese branded cross overs, sedans, and a couple of Subaru Outbacks of various ages. From havi...
by Helo80
Thu Nov 02, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5511

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

I'm surprised and don't understand why he's not a total Boglehead on the investing side. The three-fund portfolio is hardly rocket science (one of its virtues), and to borrow Larry Swedroe's meme about factors, it's "persistent, pervasive, robust, investable and intuitive." So c'mon Dave - when are...
by Helo80
Thu Nov 02, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 3371

Re: Help me understand the Used Car Dealership perspective

btenny wrote:
Thu Nov 02, 2017 7:16 pm
They paid a bunch for that car and need a big price to cover it. They hope to find a buyer... Who knows they might.

Look elsewhere.

Maybe... but if they've been in the game long enough, they know they have to cut their losses somewhere --- either with a customer or at auction.
by Helo80
Thu Nov 02, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 3371

Re: Help me understand the Used Car Dealership perspective

Several things. 1. Is this a branded dealership used car lot or an independent used car lot? 2. If it's been on the lot since March, most branded dealerships would have lowered the price until it sold or had it wholesaled by now. 3. Ultimately, the used car will sell for whatever a buyer (you or som...
by Helo80
Thu Nov 02, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5511

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

I used to listen to his show occasionally. I think I heard him talk about this in 2016. At that time, he basically said all those same things. He also said that his retirement investments went into those loaded mutual funds that outperformed the market. His analysis was that if he held the fund for...
by Helo80
Thu Nov 02, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5511

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

Jags4186 wrote:
Thu Nov 02, 2017 7:55 pm

He’s been saying that for years. He still suggests 25/25/25/25 in tax deferred/free accounts and 100% SP500 in taxable.

Oh cool --- others have mentioned here that Dave does invest some personal assets in S&P500 funds. I personally had not heard it until today.
by Helo80
Thu Nov 02, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5511

Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

First off, please do not post here if you intend on bashing Dave Ramsey for his investing advice. Otherwise, the thread will get locked or deleted. That being said, today, November 2, 2017, DR sounded a whole lot like a Boglehead! I think it was in Hour 2 at about the 47 minute mark. https://www.dav...
by Helo80
Thu Nov 02, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19544

Re: To take or not to take delivery of Tesla 3

Tesla's maintenance plans cost more than the maintenance for my "fossil car". A lot more, actually. https://www.tesla.com/support/maintenance-plans The only thing of value on this is the "possible" 4 wheel alignment. The rest is stuff every car owner should be doing anyways. Usually, a tire rotatio...
by Helo80
Thu Nov 02, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 55
Views: 5971

Re: Mouse In Apartment

I am facing same type issue. I tried mouse trap, but it didn't work for me(Killing one by one isn't a good idea). Thus, I am thinking to use mouse poison to kill them. Do you know which poison is safe? I mean it will harm only mouse and man will remain safe. I have kids in my house, thus I cannot u...
by Helo80
Wed Nov 01, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19544

Re: To take or not to take delivery of Tesla 3

Unfortunately this question regarding taking delivery or not will remain open for a while. I just got an email saying my delivery estimate will be delayed and I can check my account to see how long. :annoyed I'm guessing all reservation holders received that email. The response has crashed the Tesl...
by Helo80
Wed Nov 01, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19544

Re: To take or not to take delivery of Tesla 3

HopeToGolf wrote:
Wed Nov 01, 2017 8:32 pm
Unfortunately this question regarding taking delivery or not will remain open for a while.

I just got an email saying my delivery estimate will be delayed and I can check my account to see how long. :annoyed

HopeToGolf.... HopeToHaveTesla

Well, I commend your hope
by Helo80
Wed Nov 01, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19544

Re: To take or not to take delivery of Tesla 3

If they clear the problems up by early next year, nobody will care. If they don't ramp up production before competitors show up (or they run out of money), then they might have missed their boat. There are a ton of EV's supposedly shipping in late 2018 to 2020. Oh trust me.... I am betting that lon...
by Helo80
Wed Nov 01, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19544

Re: To take or not to take delivery of Tesla 3

I think it would be interesting to see how many people, having bought an EV (of any type) don't revert back to ICE. I haven't met anyone who went back; I'm not suggesting that's data, but I have not met anyone. I am curious as well since the early adopter crowd that gleefully spends $100K plus on a...
by Helo80
Mon Oct 30, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: 28 year old investing advice needed
Replies: 12
Views: 1273

Re: 28 year old investing advice needed

-In a year I should have 200k cash. I would like to have 150k cash in savings account at all times. The last recession spooked me. I saw people I know lose their jobs, home, and savings. To be 100% blunt and straight forward, you would be better off long-term if you kept 12 mos of expenses and like...
by Helo80
Sun Oct 29, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Breaking point to get a new to newish car
Replies: 59
Views: 3376

Re: Breaking point to get a new to newish car

I have several friends with 4Runners and they love them. But you are correct they are very popular so hold their value well so are pricey for a new one or even the used ones are outrageous in cost. I have even contemplated going with a truck like a Tacoma but again used cars are about as much as bu...
by Helo80
Sun Oct 29, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Looking for good used car
Replies: 10
Views: 509

Re: Looking for good used car

Pretty much you cannot go wrong wit a Toyota Camry/Corolla or Honda Accord/Civic. Other options are Toyota Tacoma/4runner. Truth be told, you can get pretty much 200,000 miles easily off of any new car on any lot now --- Gas engines are very well made now. I would also stay away from any FCA product...
by Helo80
Sun Oct 29, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Breaking point to get a new to newish car
Replies: 59
Views: 3376

Re: Breaking point to get a new to newish car

I was curious on other peoples' personal situations and any suggestions on what i personally should do . I have a paid off 2008 BMW 335 which costs me an arm and a leg every time it needs service. I am not very mechanical so i have an indy shop perform most if not all the work. Right now i have oil...