Search found 29 matches

by thelimocat
Wed Dec 12, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118997

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

Well I found this: " The complaints from owners began in 2017. Many of the reports have originated in areas with cold weather but have not been exclusive to those climates. Experts have said the most likely culprits are the design of the fuel injectors or a lack of heat in the cylinder resulting in ...
by thelimocat
Wed Dec 12, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118997

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

I have a question. How does the oil get diluted, where is it coming from? Would be interested to see if anyone has identified is. Read the first post in this thread. It will answer your questions. Ok from the first post "Apparently, fuel is getting into the oil crankcase and causing problems such a...
by thelimocat
Wed Dec 12, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118997

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

I have a question. How does the oil get diluted, where is it coming from? Would be interested to see if anyone has identified is.
by thelimocat
Mon Dec 03, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Home Buying - Calculators and Analysis
Replies: 9
Views: 929

Re: Home Buying - Calculators and Analysis

There are a number of excellent points raised here and all of them should be considered. My one big concern is your moving every three years or so. Suppose you get the "itch" after a few years! So has this been job changing or moving in the local area? I hate to speak the words ARM but if your a mov...
by thelimocat
Tue Nov 27, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Avoiding wash sale
Replies: 27
Views: 1734

Re: Avoiding wash sale

I have a monthly automated purchase of VTSAX in my Vanguard brokerage account on the 14th of every month but I also make 1-2 additional periodic purchases per month. So there is never a date when I haven't bought VTSAX within the last 30 days. I'd like to harvest my short-term capital losses in the...
by thelimocat
Thu Nov 22, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss tax help & wash sale
Replies: 10
Views: 735

Re: Tax Loss tax help & wash sale

To continue my investigation into the "Wash Sale" issue I have found these snip-its. From Zacks: "IRS on Mutual Funds Unlike many other types of securities, the IRS has not given clear guidelines about what would be viewed as substantially identical if a mutual fund is sold and another mutual fund i...
by thelimocat
Wed Nov 21, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss tax help & wash sale
Replies: 10
Views: 735

Re: Tax Loss tax help & wash sale

"A wash sale occurs when you sell a security at a loss and then purchase that same security or “substantially identical” securities within 30 days (before or after the sale date)." per the IRS Sooo.... Total Stock and S&P 500 Market might be an IRS call. Just wait 32 days markets in a down trend an...
by thelimocat
Wed Nov 21, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss tax help & wash sale
Replies: 10
Views: 735

Re: Tax Loss tax help & wash sale

"A wash sale occurs when you sell a security at a loss and then purchase that same security or “substantially identical” securities within 30 days (before or after the sale date)." per the IRS Sooo.... Total Stock and S&P 500 Market might be an IRS call. Just wait 32 days markets in a down trend an...
by thelimocat
Wed Nov 21, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss tax help & wash sale
Replies: 10
Views: 735

Re: Tax Loss tax help & wash sale

"A wash sale occurs when you sell a security at a loss and then purchase that same security or “substantially identical” securities within 30 days (before or after the sale date)." per the IRS Sooo.... Total Stock and S&P 500 Market might be an IRS call. Just wait 32 days markets in a down trend any...
by thelimocat
Mon Oct 15, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 66
Views: 8729

Re: UPDATE: Credit Card Fraud - $30K

"Lots of other weird things that might have made a perfect storm with this case . . . My home address changed last year, 4 months prior to the hack. My wallet was stolen in January in Buenos Aires. My computer was fixed in early Feb at a computer geek store and they had access to my machine for sev...
by thelimocat
Sun Oct 14, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 9118

Re: Long-term Care Insurance

Hello - The more I read about long-term care insurance, the more I think it is probably a good thing to have. My wife and I have one child and I just don't want to put the onus on him to care for us if/when that becomes necessary and I don't want him or us in an awkward position of having to spend ...
by thelimocat
Fri Oct 12, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Filing a Lemon Law Claim on Vehicle
Replies: 8
Views: 758

Re: Filing a Lemon Law Claim on Vehicle

Here is an example of Texas Lemon Law requirements, "How do I know if my vehicle is a lemon? A motor vehicle may be declared a lemon if it meets all of the following conditions: The vehicle has a serious defect or abnormal condition. The defect or condition is covered by a manufacturer’s written war...
by thelimocat
Sun Oct 07, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: A strategy to pay off home at retirement?
Replies: 57
Views: 4417

Re: A strategy to pay off home at retirement?

I am 57 years old want to retire at 61, been investing in Vanguard for over 25 years. When I retire will have around $ 1.3 million. My house is worth $450k and will owe around $150k at fix rate 3.85 30 year mortgage. Should I take the $150k strategically from portfolio and pay off the mortgage at r...
by thelimocat
Fri Oct 05, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4913

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

So I found this online. Not really sure about it but here it is. "When you open an account with Vanguard, there are two different account options. First is a mutual fund account which only holds Vanguard mutual funds. Second is a brokerage account that can hold individual stocks, ETFs, individual bo...
by thelimocat
Tue Sep 04, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with paper EE bonds with elderly parent
Replies: 18
Views: 1282

Re: Dealing with paper EE bonds with elderly parent

Can you transition the paper bonds to a Treasury Direct account? That's what I did for my parents' bonds. They mature, then can be transferred to the bank account. Is that hard to do? I have about a one inch thick envelope of bonds. MrsBDG has it right. Its more time consuming as you need to setup ...
by thelimocat
Tue Sep 04, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with paper EE bonds with elderly parent
Replies: 18
Views: 1282

Re: Dealing with paper EE bonds with elderly parent

Can you transition the paper bonds to a Treasury Direct account? That's what I did for my parents' bonds. They mature, then can be transferred to the bank account. Is that hard to do? I have about a one inch thick envelope of bonds. MrsBDG has it right. Its more time consuming as you need to setup ...
by thelimocat
Tue Aug 28, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: thinking of paying off mortgage pls help
Replies: 52
Views: 3232

Re: thinking of paying off mortgage pls help

Pay off the house, pay off the car and stay away from all the salesmen etc. Find someone you really trust CPA, banker, Fidelity and talk to them but don't trust just because "oh you can trust me". The remaining $600 after payoffs should get your through the next few months until all things settle do...
by thelimocat
Sun Jul 29, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Pay Off...best method?
Replies: 23
Views: 3075

Re: Mortgage Pay Off...best method?

Just walk into your bank and tell them you wish to do an ACH transfer to your lending institution. Your lender can provide all the account/transfer information for their end. Put the money in your checking account so its transferred out of there. It's simple and painless. Plus theres a record and th...
by thelimocat
Thu May 10, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Spark Plugs only vs Tune Up?
Replies: 29
Views: 2343

Re: Spark Plugs only vs Tune Up?

Interesting, I asked our Honda dealer about a coolant change and he indicated they don't bother until ~100k miles unless it appears to degrade (who's checking?). The other thing is a replacement of the belt and water pump at that time as well. Both in the manual I think and I have heard this before ...
by thelimocat
Sun May 06, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 45
Views: 4506

Re: Long term care insurance

"There are two companies that sell policies that can never run out of benefits. Nearly every long-term care insurer allows spouses to share 10 to 16 years of benefits." I would like to know what two companies provide this type of coverage in todays market. I think if all will really get down to app...
by thelimocat
Thu May 03, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: advice about mortgage options
Replies: 14
Views: 943

Re: advice about mortgage options

I'd like to get your advice about choosing between mortgage options. I and my husband are moving to a new town to start new jobs and we are under contract for a new house, our first home purchase. We are planning to put down 20% but we are not sure what kind of mortgage is best for the remaining 80...
by thelimocat
Mon Apr 09, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 4486

Re: Active Adult Retirement Communities

I am looking for suggestions from Bogleheads as to nice Active Adult Retirement Communities in Florida and Arizona that we might want to consider? We enjoy golf, walking, bicycling, pickleball, and socializing. We want to keep our housing expense under $500k. Thank you. Would you consider Texas. Su...
by thelimocat
Thu Jan 04, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: How does the IRA Required Minimum Distribution work for those over 70.5?
Replies: 4
Views: 939

Re: How does the IRA Required Minimum Distribution work for those over 70.5?

There is an RMD section that has most of this info. The tax % you wish to be withheld, the total amt required and how you want the money taken from the funds. I prefer to let them do the heavy lifting by doing a propionate across all the funds it also forces me to rebalance. It can be done almost an...
by thelimocat
Sat Oct 21, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 36586

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

The target equity regional allocation for the Vanguard Global Wellington Fund is 57.0% North America, 30.9% Europe, 12.1% Pacific, and 0% Emerging Markets. The target equity allocation for the Vanguard Global Wellesley Income Fund is 45.4% North America, 42.9% Europe, 6.2% Pacific, and 5.5% Emergin...
by thelimocat
Fri Oct 20, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 36586

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

Sorry if it is posted somewhere already but does anyone know the expected split between US and foreign holdings? I don't think anyone knows. I've tried to follow this fund's development closely, and I haven't seen this information released. Also they haven't said what proportion would be in emergin...
by thelimocat
Fri Oct 20, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 3713

Re: [If I die before my spouse, how to direct Vanguard advisors?]

Pennywise, thank you for your input. I agree that if I did nothing, my wife would be OK. A sort of survival instinct would take over and guide her. But I see nothing wrong in trying to set a plan in place that would improve her odds of not becoming destitute, of being better able to fulfill our cha...
by thelimocat
Thu Oct 19, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 3713

Re: [If I die before my spouse, how to direct Vanguard advisors?]

Celia, 1210sda Your both on the right track BUT! We just went through this with the death of my mother in law. VG goes to beneficiaries on the accounts first then the estate if there are none assigned. Death Certs are required etc, etc. Signed letters have no legal standing this needs to be in your ...
by thelimocat
Wed Oct 18, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 36586

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

SO if one were to move into either one of these Globals would it cause you to get out of other international funds or reduce your exposure or just add for diversity? I am considering making one of these my international position for the future inside an IRA.
by thelimocat
Mon Oct 16, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: About Vanguard advisors: opinions, thoughts?
Replies: 78
Views: 9992

Re: About Vanguard advisors: opinions, thoughts?

I too am in the same frame of mind. I spoke to an advisor and sent a couple of line items that I considered important. Their general plan appears to be more leveraged toward your portfolio and not financial planning. I suspect if one is concerned about how things are going to run after ones demise a...