Search found 209 matches

by Turbo29
Wed Dec 12, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 96
Views: 4034

Re: Volkswagen Reliability

I have owned both a 2004 TDI Jetta and a 2009 TDI Jetta (2009 bought back for the emissions settlement). Both were great cars for me with no issues. Both models had serious problems that some owners experienced. 2004 models were prone to premature cam wear. 2009 and later models were prone to high p...
by Turbo29
Wed Dec 12, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5507

Re: Lyft driver got into an accident, but denies it

Always call the police, especially if you are doing a Lyft or Uber and they don't call the police. Yes, you can take pictures which helps your case but a police report is the best document you can have, especially when you are from out of town. The skeptic in me would say how can you be believed if...
by Turbo29
Sat Dec 08, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Debt repayment vs Investing – thoughts on psychology
Replies: 10
Views: 913

Re: Debt repayment vs Investing – thoughts on psychology

I consider mortgage debt differently than other debt for two reasons. First, I have to live somewhere and my current mortgage payment plus property taxes and insurance is less than current rental prices. Second, I live in a no recourse state. If I wished, I could turn over the keys to the lender and...
by Turbo29
Sat Dec 08, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard Automatic Transactions for 12/06/2018 delayed a day (with backdating)
Replies: 13
Views: 1563

Re: Warning: Problem with Vanguard Automatic Transactions for 12/06/2018

Can anyone report whether any other financial institution had problems like this please? Fidelity? Schwab? TDAmeritrade? Et al.? I put in a purchase order for a Vanguard mutual fund at E*trade Friday morning before market open. Generally I will get a text at 7pm MST sharp saying "Your order for... ...
by Turbo29
Sat Dec 08, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 11986

Re: Why Retirement Is Broken And Needs To Be Reinvented

This guy has no clue how public sector salaries are "priced" since he most likely believes anyone whose salary + bennies are not funded by corporate america is a leech. There's no arguing with people like this. He also doesn't understand the laws regarding property and pension rights, and if that w...
by Turbo29
Fri Dec 07, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10864

Re: Retirement itch- when did you get it?

My father told me not to go into medicine in the late 1960s when I was a little kid oh, I think he hated it. It killed him because he dropped dead of a heart attack at 47 a few years later. My mother had worked to help put him through medical school and she always wondered why I didn't want to be a ...
by Turbo29
Mon Dec 03, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10312

Re: Why is Costco gas so much cheaper

Regular at Costco today was $2.48. Most other stations in the area $2.75.
by Turbo29
Mon Dec 03, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Buying service years in pension
Replies: 18
Views: 1550

Re: Buying service years in pension

There is this saying that something that can’t happen won’t. It doesn’t matter what the constitution says. Or it can be changed just like it was here in the last election. Bolded text was added. Public Retirement Systems A. Public retirement systems shall be funded with contributions and investment...
by Turbo29
Sun Dec 02, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: "The Steak Dinner Annuity Pitch"
Replies: 60
Views: 7188

Re: "The Steak Dinner Annuity Pitch"

What you've done is no different IMHO than someone who goes to a store to buy a loss leader and walks out with nothing else. It's well understood that retailers do this because they no that most people won't do that, but some do. In the same vein, those putting on these dinners should understand th...
by Turbo29
Sun Dec 02, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10312

Re: Why is Costco gas so much cheaper

Most cars seem to have the filler on the driver's side, as does mine. Generally this causes the lines on the right side of the Costco pumps to be longer than on the left. This is despite the fact that Costco even has signs telling people that their hoses are extra long so you can go to either side. ...
by Turbo29
Sun Dec 02, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3974

Re: Please Recommend a New Car for Me

Mazda 3 can be had with a manual and as a hatchback.
by Turbo29
Sat Dec 01, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Auto battery charger recommendation?
Replies: 8
Views: 944

Re: Auto battery charger recommendation?

I have a CTEK charger. Have been happy with it. (Note it is cheaper from Amazon than on the CTEK website).

https://smartercharger.com/products/bat ... ti-us-4-3/
by Turbo29
Sat Dec 01, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: HSA employee contributions subject to FICA?
Replies: 42
Views: 2850

Re: HSA employee contributions subject to FICA?

2. You are required to save your receipts for ever (in case of audit). Complexity I want to avoid I would argue about this slightly.. if you have your HSA connected to your insurance where your insurance sends the needed high level information about your bills to your HSA and you pay them through t...
by Turbo29
Sat Dec 01, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Do I need to pay for a clean title to sell my car privately?
Replies: 28
Views: 2070

Re: Do I need to pay for a clean title to sell my car privately?

In my state you get a brand new clean title from the motor vehicle department in the mail about a week after your loan's paid off.

No extra charge just the way they do it.
by Turbo29
Sat Dec 01, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 3973

Re: declining employer benefits?

A former employer of mine would give you like $200/month if you declined their health insurance and showed proof of coverage elsewhere, but did away with the "rebate" around the time that Obamacare came out. Same with my employer. They rebated money to employees who declined health insurance and sh...
by Turbo29
Sun Nov 25, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 44742

Re: Bonds - Throw it all on the table!!!

. . . as you can see with at least THESE posts that the three fund isn't adhered to by most bogleheads. I even saw a poll thread once that asked how many people strictly use the three fund, and it said less than 20%. . . And that makes me sad. That's because this site espouses a religion. And like ...
by Turbo29
Sat Nov 24, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 13887

Re: Physician Credentials: Offshore vs. American Medical Schools

I prefer doctors/dentists who drive old gently used mechanically reliable transportation. Although my doctor leases his car, he does not recommend or perform unnecessary medical procedures. Not a doctor or dentist experience but a veterinarian experience. Took a cat who couldn't eat his food due to...
by Turbo29
Sat Nov 24, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Most secure bank
Replies: 23
Views: 1756

Re: Most secure bank

Back in 2008 I had a credit card from Chase and accounts with Washington Mutual. When Washington Mutual collapsed and Chase took it over, Chase integrated all the accounts together without a hiccup.
by Turbo29
Thu Nov 22, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: How This All Happened (to the US economy)
Replies: 44
Views: 7390

Re: How This All Happened (to the US economy)

https://www.asce.org/project/hohokam-canal-system/ http://arizonaexperience.org/remember/hohokam-canals-prehistoric-engineering is the people of what is now Phoenix Arizona. Eventually the canal system they built could not overcome physical limits - irrigation causes salting of soils. But for a peo...
by Turbo29
Thu Nov 22, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Tiny Baby Spiders on my Toaster
Replies: 40
Views: 3049

Re: Tiny Baby Spiders on my Toaster

P.S. A scorpion sting is about the same pain-level as a yellow jacket sting. Your anecdotal experience does not reflect the larger reality.. You would be singing a different tune if stung by a Bark Scorpion in AZ. Their stings can be excruciatingly painful. However, I don't think there have been an...
by Turbo29
Thu Nov 22, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 677
Views: 47837

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Have an Optum HSA through my employer. This thread has got me considering opening up one at Fidelity. As I don't have my per paycheck contribution maxed out, I can take the balance up to the max for this year and put it in Fidelity. For now I need to use the Optum account to get my employer contribu...
by Turbo29
Thu Nov 22, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 53
Views: 7612

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

A friend of mine was driving from San Diego to Phoenix and blew out a tire in the sand dune area just west of the AZ/CA state line. It was after dark and he either had no jack or couldn't find it in the dark. Called AAA and was connected with the dispatcher for Auto Club of Southern California (AAA ...
by Turbo29
Mon Nov 19, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Beware the commission salesperson
Replies: 19
Views: 1939

Re: Beware the commission salesperson

mrmass wrote:
Mon Nov 19, 2018 12:53 pm
...After all the RE Agent is commission based.
And that's why they always say, "There has never been a better time to buy."

To quote Mark Twain, "You tell me whar a man gits his corn pone, en I'll tell you what his 'pinions is."
by Turbo29
Mon Nov 19, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Why do people think CD rates will keep going up?
Replies: 57
Views: 7813

Re: Why do people think CD rates will keep going up?

Interesting regarding bank competition. For a while the best brokered CDs were from Wells Fargo. I can only assume that was because they were having trouble attracting cheaper funds through their branches due to the scandal they underwent. Right now on the Ally website I see 3yr CDs offering 2.6% (<...
by Turbo29
Mon Nov 19, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Millennial behind - but still have time to [catch up]
Replies: 20
Views: 2225

Re: Millennial behind - but still have time to ketchup

Was just at they gym yesterday and noticed millennials with color coordinated shoes and gym outfits, $300+ headphones, and $100 water flasks. (Not a high income area either.)

Actionable: Less trendy stuff, more investing.
by Turbo29
Mon Nov 19, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: brokerage failure & risk premium for t-bill & cd
Replies: 16
Views: 1094

Re: brokerage failure & risk premium for t-bill & cd

FDIC is really good at resolving banks over a weekend to minimize inconvenience to depositors. Since FDIC’s inception in 1933, nobody has lost a penny on insured deposits. In the event of catastrophe, FDIC has a line of credit at the Treasury. Ultimately, insured deposits are backed by the full fai...
by Turbo29
Mon Nov 19, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: My car was totaled. Do any of you have experience with this process?
Replies: 48
Views: 2911

Re: My car was totaled. Do any of you have experience with this process?

I doubt it. Most likely some tech driving by will notice the cover is missing, and replace it with one in his truck. Not if they are Century Link. We have those boxes all over town in various stages of disrepair. I don't think they fix them unless a customer calls in with a phone outage and they tr...
by Turbo29
Mon Nov 19, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Beware the commission salesperson
Replies: 19
Views: 1939

Re: Beware the commission salesperson

These folks have an underlying belief they are doing something good. This Reminds of this passage from Dale Carnegie's How To Win Friends & Influence People : Is that an unusual attitude among criminals? If you think so, listen to this: "I have spent the best years of my life giving people the ligh...
by Turbo29
Sun Nov 18, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2761

Re: Laptop security - Mac OS or Windows

Have to use a Windows 10 tablet at work. Thing freezes up several times a day and needs a hard reboot.

Very irritating.
by Turbo29
Sun Nov 18, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 727
Views: 107798

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

You people need the class action lawyers that sued Volkswagen.
by Turbo29
Sun Nov 18, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Water-Sewer line insurance
Replies: 34
Views: 1882

Re: Water-Sewer line insurance

Our city is always sending out flyers for this type of insurance. I just looked it up on the city website and found this interesting fact: "... residents have saved well over $2 Million. The program has also generated approximately $1.5 Million in revenue for crucial city services including police a...
by Turbo29
Sun Nov 18, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2761

Re: Laptop security - Mac OS or Windows

billthecat wrote:
Sat Nov 17, 2018 11:18 pm
sksbog wrote:
Sat Nov 17, 2018 10:39 pm
Windows 10 gets patched/updated almost every week nowadays.
Sorry, is that a good or bad sign?
I don't know. I'm running Ubuntu linux and it gets updated from 1 to 4 times each week.
by Turbo29
Sat Nov 17, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: How to pick a wifi router to replace one we rent from Cox?
Replies: 20
Views: 1273

Re: How to pick a wifi router to replace one we rent from Cox?

My in-laws pay $10/month to rent a router from Cox. They want me help them replace it with their own. Seems there is a long list of routers one can use: I have Cox and have never rented a router from them. Back in 2014 I needed a new router. Went to Cox and bought it (actually a combination router/...
by Turbo29
Tue Nov 13, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2792

Re: How long have you had, or did you have, your HP-12C calculator?

Hi, OP again. Thanks to all for your responses. All this talk of various HP calculators makes me wonder if anyone still has an HP-45? IIRC it came out around the time I graduated from high school, in 1973. It cost about $400 and I really lusted in my heart for one. But I didn't have that kind of mo...
by Turbo29
Sun Nov 11, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 20
Views: 2014

Re: Best city car

2016 Mazda 3 hatchback. After VW bought back my diesel (due to the emissions scandal) I only had to kick in $1000 to buy it new. Love it.
The hatchback has a lot more cargo space than the sedan.
by Turbo29
Thu Nov 08, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Furnace Duct Cleaning-a high profit game?
Replies: 31
Views: 3402

Re: Furnace Duct Cleaning-a high profit game?

There may be situations where the duct cleaning is warranted, but generally speaking it is a waste of money and grossly oversold. I have had asthma most of my life. A few years ago it was bothering me more than usual. In an effort to find the cause, I put cheesecloth on the duct vents in bedroom an...
by Turbo29
Mon Nov 05, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Furnace Duct Cleaning-a high profit game?
Replies: 31
Views: 3402

Re: Furnace Duct Cleaning-a high profit game?

I have a heat pump split system so summer or winter all the air goes through the air handler and coil. I watch the tech open the air handler every time I have it serviced. No evidence of any type of dust making it past the filter. Even having cats, their fur, and the cat litter dust. The techs have ...
by Turbo29
Sun Nov 04, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4158

Re: Mice

I concur with the cat. Back in the mid 1980's my mother had a terrible problem with mice. I told her, "get a cat." So she did (it was a female as another poster recommended). The cat only caught one mouse that I can recall. The others all sensed there was a predator in the house and left of their ow...
by Turbo29
Sat Nov 03, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18463

Re: Vanguard website "unavailable during weekend of Nov 3"

This is why I hesitate to trust a 3rd party with my money. And the only way it's "tracked", is digits on a screen. Obviously, not all of us knew our exact balances before the website went down. What happens if this "update" results in messed up balances? Perfect example of mere bits and bytes. I've...
by Turbo29
Sat Nov 03, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18463

Re: Platform changes?

But in the end, everything is hackable... what happens when you lose your phone and can't access VIP ? Social engineering happens. You set up the VIP app on more than one device...another phone, a tablet, a Chromebook. That way if you lose your phone you can use the app on the other device as a bac...
by Turbo29
Sun Oct 28, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 5640

Re: "consultation fee": standard for preventative colonoscopy?

I have had three and none of them had "initial consultations." All of them did have a phone call from the gastro's office a few days prior where I was extensively questioned.
by Turbo29
Sun Oct 21, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2721

Re: Do I need laptop software?

duplicate
by Turbo29
Sun Oct 21, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2721

Re: Do I need laptop software?

Alexa9 wrote:
Sun Oct 21, 2018 6:30 pm

Linux: simple, customizable, works great on old hardware (might put on your old laptop)
Indeed, I have a 10 year old HP laptop running Ubuntu and it works fine. Posting on it now.

Haven't booted up the Windows partition in 5 years.
by Turbo29
Sun Oct 21, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 35
Views: 2564

Re: Co-pay accumulators in new health plans

I don't think the drug company paying for the patient's share would constitute fraud. But if you try and count what the drug company is paying as part of your out-of-pocket costs towards your maximum OOP cost , then it could be viewed as fraud since it isn't coming out of your pocket . Actually, ou...
by Turbo29
Sun Oct 21, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 35
Views: 2564

Re: Co-pay accumulators in new health plans

First the insurer stated I would no longer be able to use the copay card and that it was due to their agreement with my employer (my benefits rep reluctantly confirmed this was true after lying about it several times). Then they sent a letter saying I could use it but it would not count towards ded...
by Turbo29
Sun Oct 21, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 35
Views: 2564

Re: Co-pay accumulators in new health plans

Interestingly, the insurer backed off on it a month later so I only had to do it once. I have an employer self-funded plan, which is only administered by the insurer, and I think it was because it threatened to become a "political" issue. (So it was actually my employer, who is high profile, who ba...
by Turbo29
Sun Oct 21, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 35
Views: 2564

Re: Co-pay accumulators in new health plans

Exactly. Gilead told me that I can send my Kaiser pharmacy receipts to them, and they will send me a check to reimburse the copays. The copays on my plan are relatively small - $60 for 100 day supply. But with 4 drugs it still adds up to $960/year. Vs $160 on my old plan which was $10 for 100 day s...
by Turbo29
Sun Oct 21, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30566

Re: High End Wrist Watches (Gone Crazy)

I have an Omega automatic watch that was my father's. It has a real radium glow in the dark dial. It still works but keeps very poor time. It is a nice looking watch but I put a geiger counter next to it 40 years ago in my college chemistry class and pegged the needle so I have not worn it since. (P...