Search found 88 matches

by flyphotoguy
Tue Mar 10, 2020 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

OP wrote: "....6. She has no debt and a portfolio (including an expected amount from the condo sale) of around $900k. So fortunately she has some assets to take care of herself. The goal for the whole family - and above that, for mom - is to figure out every possible avenue to protect what she can....
by flyphotoguy
Thu Mar 05, 2020 11:23 am
Forum: Non-US Chapters
Topic: Sad News - Paul Globerson has passed
Replies: 26
Views: 4750

Re: Sad News - Paul Globerson has passed

Sorry to hear this, Condolences and prayers to his family and friends. May he Rest In Peace.

++
Mel Lindauer wrote:
Tue Mar 03, 2020 3:23 pm
RIP, Paul. Say hi to Jack Bogle for us.
by flyphotoguy
Wed Mar 04, 2020 12:52 am
Forum: Personal Consumer Issues
Topic: Pay for repairs on older car vs upgrading
Replies: 23
Views: 1400

Re: Pay for repairs on older car vs upgrading

Can you try and check with another mechanic around? Maybe some independent mechanic that works on hybrid systems and knows toyota can give you a better options. Another diagnosis could give you different options. Dealers do charge more to fix stuff anyways. I use local mechanic(s) that does home ser...
by flyphotoguy
Thu Feb 20, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8288

Re: Used car purchase - now dreading it

Blast the A/C and change the cabin filter, hope it could help. Also a long time ago, I remember my uncle did the open windows and leave the car under the hot baking sun to get off the grocery fish smell when it leaked in the car. Maybe that would work for you but I don't think it's hot enough to do ...
by flyphotoguy
Wed Feb 19, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11120

Re: Perform own oil change pros & cons?

I just restarted after using jiffy lube for years. Reason being is that it's an activity that would put my body to work and it's something I know how to do anyways as I did car maintenance (oil, tranny, brakes) when I was young. Other than saving a few $$$ it would be a different activity for the bo...
by flyphotoguy
Fri Feb 07, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: Best Oil?
Replies: 124
Views: 10184

Re: Best Oil?

check out youtube vids, there's a lot of motor oil testing that you may be interested in watching. In summary though as long as it passes the standards you should be good. The only time you might consider something extra special is if you're pushing the car to the limit like racing, or drive in extr...
by flyphotoguy
Fri Feb 07, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: Looking for a cheap and accurate BP monitor.......
Replies: 23
Views: 1513

Re: Looking for a cheap and accurate BP monitor.......

Local grocery (safeway,luckys,etc.) even have some IIRC. CVS, Walgreens, Target and Walmart should have their own brand or the Omron brand that seems to be used widely. Hard to say which is the best and most reliable but you can test and compare and return the one(s) you don't like. Good luck. My mo...
by flyphotoguy
Fri Feb 07, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Car repair - would you fix everything the mechanic suggested?
Replies: 39
Views: 2746

Re: Car repair - would you fix everything the mechanic suggested?

Just wanted to update how this worked out. This week had the two valve covers/gaskets, spark plugs, plenum gasket and PCV valve replaced. All Nissan OEM parts. Mechanic also replaced two belts that were severely worn. Cost went up to $1050. I'm satisfied, the car runs great. Francis Sweet! I'm a fa...
by flyphotoguy
Tue Jan 28, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Toy overload alternatives for grandparents
Replies: 104
Views: 5655

Re: Toy overload alternatives for grandparents

This is so ridiculous and I am shocked that so many are supporting this. Let the grandparents spoil their grandkids. They enjoy the joy in the kids' faces when they play with the toys. A museum subscription or funding college won't give them that joy. You can always give away the toys that you no l...
by flyphotoguy
Tue Jan 28, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Is it worth it to jump on the TurboTax bandwagon?
Replies: 36
Views: 2657

Re: Is it worth it to jump on the TurboTax bandwagon?

I will probably shift to TurboTax this year. I've been using H&R Block software for years but I might shift to Turbo Tax because last year I had to wait for some forms to show up or get corrected in H&R Block and there were some weird stuff that was going on software wise. Hopefully TurboTax have be...
by flyphotoguy
Thu Jan 23, 2020 10:45 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26563

Re: Sad news: LadyGeek's husband has passed

So sorry for your loss, condolences to you and your family. Thank you for sharing this tough moment.
by flyphotoguy
Wed Jan 22, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance went up by $240 per year.
Replies: 14
Views: 1031

Re: Car insurance went up by $240 per year.

Wow that's odd, I just changed from Esurance to Geico a couple of years ago coz they had the lower rate for the same/similar policy for where we are (CA). Check out Esurance or other big providers and their reviews, it could be some computation adjustment that was added. Good luck!
by flyphotoguy
Wed Jan 22, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 138
Views: 11516

Re: If you could only listen to one podcast...

Joe Rogan podcast if it's just 1.

So many different guests from comedians, politics, medicine, nutrition,military, mma fighters, training, etc.
by flyphotoguy
Tue Jan 14, 2020 11:58 am
Forum: Personal Investments
Topic: Anyone invested in ARK funds?
Replies: 5
Views: 525

Re: Anyone invested in ARK funds?

Looking at them, or rather they're on my watch list for my playground, speculative or play money, whichever term is being used now. I saw an interview with the ceo last year in bloomberg (I think) that got me interested in what they were investing in but I'm just keeping an eye for now.
by flyphotoguy
Mon Jan 13, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Upgrade to larger family car or wait and get smaller commuter car?
Replies: 21
Views: 1339

Re: Upgrade to larger family car or wait and get smaller commuter car?

Toyota: Highlander, 4 Runner, Minivan. Honda: Passport, Pilot IF you want a bit of lux the lexus and acura counterparts might be good too. In you growing family Toyota Sienna or the Honda van might be the best. It would also cover future baseball, soccer, basketball, swim, hockey, etc. team practic...
by flyphotoguy
Mon Jan 13, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 93859

Re: What age did you reach 100K networth?

Oh wow... a long time ago... when I was in my mid-20s (decent job and a fairly good local business) :mrgreen: ... then divorce happened at 30s :oops: ... had to start over again with a new outlook in life. Life happens... :sharebeer
by flyphotoguy
Sun Jan 12, 2020 12:45 am
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 164
Views: 19967

Re: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?

I have a couple of tech, couple of china and a couple of concentrated index funds for the risky plays. The account isn't big and just for fun. I also don't always check it but I think most are up and 2 are down. I also have some crypto, bitcoin, ethereum and litecoin. I took off my initial investmen...
by flyphotoguy
Sun Jan 12, 2020 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Buying Car - buy outright or finance?
Replies: 59
Views: 5179

Re: Buying Car - buy outright or finance?

I'd pay for it outright and forget about it. But it's really up to you, maybe if it's 0% you might want to finance and pay all at the end of the period? :sharebeer
by flyphotoguy
Thu Jan 09, 2020 9:04 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 11617

Re: Where do you keep your Emergency Funds? How is it invested?

Savings, probably earning 2.x or whatever the range is for the online savings account.
by flyphotoguy
Thu Jan 09, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80551

Re: Talk me out of buying a Tesla Model 3

Hybrid is added complexity and we all know how we feel about complexity. Lol. Look at the Consumer Reports reliability ratings for the Toyota Prius. How many other cars can match their high reliability? Not only the Prius, my sister still drives a 2007/8 Camry hybrid... 200k+ miles and just regular...
by flyphotoguy
Thu Jan 09, 2020 2:22 pm
Forum: Personal Consumer Issues
Topic: To repair or not
Replies: 16
Views: 1414

Re: To repair or not

Carwash, carfax and it's a toyota so with no mechanical/electronic issue you'll be able to sell it at a fair price. I wouldn't spend too much time on it myself.
by flyphotoguy
Thu Jan 09, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80551

Re: Talk me out of buying a Tesla Model 3

I'm looking forward to get an EV car, tesla or whichever with be proven reliable and durable years in the future. Just not now due to the charging and it's still pretty new tech.... we will see how all these EVs hold since it's gonna be close to a decade since the release of the model S. We're one o...
by flyphotoguy
Tue Dec 24, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Best Process for Buying a Used Car (Camry / Accord)
Replies: 18
Views: 1872

Re: Best Process for Buying a Used Car (Camry / Accord)

Check NextDoor, Craigslist, Cars.com, etc. get the vin, look at the carfax (normally free from sellers) and or check history (oil change, etc.). Get an ODBII scanner (lots to chooose from Amazon) and physically test and drive it. If you want, for a final check get a mechanic to inspect the final car...
by flyphotoguy
Tue Dec 03, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 89761

Re: Flaunt Your High-Mileage Car

2008 Pontiac Vibe (Toyota Matrix) - 200K mi, had to sell this because new job is close that I can take the bike to go to work. Regular oil change, battery, surprisingly never changed brakes on this car yet. Great commuter/haul car. 2007 Honda Accord - 185K mi, still running great, replaced starter, ...
by flyphotoguy
Tue Nov 26, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Please suggest a car for a senior
Replies: 28
Views: 1486

Re: Please suggest a car for a senior

Toyota Matrix, check that one out with a backup camera. It's high enough that it's easy to get in and out and small enough to be able to park and maneuver easily. It's basically a corolla hatchback.Otherwise a corolla/camry and install a backup cam/screen if it doesn't have one. Unit and cam should ...
by flyphotoguy
Wed Nov 20, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: What to replace my 2010 Q5 with
Replies: 39
Views: 2507

Re: What to replace my 2010 Q5 with

Acura MDX/RDX - a bit lively than the lex and reliable that most
Lexus RX or the smaller one - totally comfy and "boring" (in a good way). You probably will not ever have issues when regular maintenance is done.
by flyphotoguy
Tue Nov 19, 2019 3:45 pm
Forum: Personal Investments
Topic: Now That I have Won
Replies: 24
Views: 6382

Re: Now That I have Won

HomeStretch wrote:
Tue Nov 19, 2019 12:06 pm
I think your plan to keep 5 years RMDs in “safer” fixed income investments and the funds you will use sound fine. If rates are similar, even a Treasury money market fund (like Vanguard VUSXX) makes sense to hold the 1 year.
+1 Congrats!!!
by flyphotoguy
Tue Nov 19, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Skin lotion for old skin
Replies: 36
Views: 4078

Re: Skin lotion for old skin

Throwing this out there without any lotion experience. Pure coconut oil as lotion.... seems to work for older family members for keeping their skin well. I think they use a different one for the face though but for the hands/legs, they've been using coconut oil for a while. Best to check with a new ...
by flyphotoguy
Tue Nov 12, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Mobile finance apps - do you use them?
Replies: 22
Views: 1310

Re: Mobile finance apps - do you use them?

Tried the bank apps coz they were giving money a while back to use them. Installed and used them a couple of times then removed them when I got the money. I only have venmo app for payments on my phone.
by flyphotoguy
Wed Oct 23, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Bike Trainer?
Replies: 7
Views: 571

Re: Bike Trainer?

check out craigslist or your local garage sale. I got a kurt kinetic rock and roll with the power sensor (that I don't use) for $150 from a garage sale coz the owner bought a hi-tech trainer (kicker or hammer or whatever it was). He just wanted to get rid of the "older" one.
by flyphotoguy
Wed Oct 23, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Car choice help
Replies: 24
Views: 1576

Re: Car choice help

Acura
Lexus


Maybe the Hyundai for the 100K warranty but it's a new model right? Definitely issues will pop-up with the new model.

Good luck.
by flyphotoguy
Tue Oct 22, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Dodge Grand Caravan 45k Miles and broken transmission, Advice for a Car Noob
Replies: 13
Views: 1234

Re: Dodge Grand Caravan 45k Miles and broken transmission, Advice for a Car Noob

strafe wrote:
Tue Oct 22, 2019 9:17 pm

If it’s not under warranty, take it to an independent transmission shop.
+1
take it to a shop, have it either fixed or replaced then maybe sell it and get a reliable car. Good luck!
by flyphotoguy
Thu Sep 26, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Financing house after divorce
Replies: 28
Views: 2756

Re: Financing house after divorce

HomeStretch wrote:
Thu Sep 26, 2019 3:21 pm
Agree with continuing to rent.
+1. Take your time and take everything slowly. You're going through a tough and terrible time, iron things out for a bit before big decisions like buying a home.
by flyphotoguy
Thu Sep 26, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: 2010 Honda Accord - loud?
Replies: 31
Views: 2965

Re: 2010 Honda Accord - loud?

The classic 2.4L engine is fairly quiet and a good engine. Could be part of the exhaust, cracked/exhaust replaced/tube was changed to a larger one. Or did the previous owner replaced the intake to those "racing" style K&N, Injen, AEM, etc. which will cause a louder intake wooshing sound too? For the...
by flyphotoguy
Tue Sep 17, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Mustang...GT or Ecoboost?
Replies: 42
Views: 2633

Re: Mustang...GT or Ecoboost?

Mustang GT, V8 should be reliable and well tested by now :sharebeer ! And make sure you get the option to return it if the DW really doesn't want it.
by flyphotoguy
Fri Sep 13, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10730

Re: How old is your cellphone?

Iphone 6 bought used a few years back... still working and won't replace till something happens to it.
by flyphotoguy
Wed Aug 28, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 7271

Re: Purchasing a truck - thoughts?

Honda Ridgeline (pilot based so should be comfy and reliable), Toyota Tacoma/Tundra then maybe Ford F150.....
by flyphotoguy
Thu Aug 22, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1377

Re: Buying used car (another one of those threads!)

Hey fellow bogleheads. So I was recently in an accident and my 2008 car with 136K miles on it was deemed totalled by insurance (~5K in repair costs which is what the car is worth more or less). So I am getting a check from insurance, but I am a good boglehead and have ample savings. Honestly, I wan...
by flyphotoguy
Thu Aug 22, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 21389

Re: Do you buy new or used cars?

Used since 2006... I've seen the light, maybe not as young as I would have liked but young enough to reap the benefits now. Saved on higher insurance/tax/monthly payments. :sharebeer
by flyphotoguy
Tue Aug 20, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11880

Re: Aliens have captured my husband

He is only 74. He is too young for a Lexus. LOL!!! Check out the Lexus RCF or whatever their sporty GT coupe they have now. That might be a better choice reliability/durability wise but if you don't mind bringing the porsche it to the shop when it needs repairs/fixes and paying premium for it... we...
by flyphotoguy
Fri Aug 16, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Buying an older used car - any new/different ideas?
Replies: 64
Views: 3749

Re: Buying an older used car - any new/different ideas?

Maybe look for a Pontiac Vibe, last made in 2010. It is from the joint venture GM/Toyota plant and is really a Toyota mechanically. The marque may be tainted by GM's reputation and Pontiac's demise. I just sold my Pontiac Vibe 2008 model via NextDoor. Check that app/site out as it's local. I commut...
by flyphotoguy
Fri Aug 16, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Refinance car as layer of emergency funding?
Replies: 33
Views: 2335

Re: Refinance car as layer of emergency funding?

Sell the car and get a cheaper car. Clearly, you cannot afford it. I don't think so. While not buying that car may have been the better course of action, now that it is purchased, there are large costs of being hit with both large depreciation and transaction costs. The car is already leaking accor...
by flyphotoguy
Thu Aug 15, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance car as layer of emergency funding?
Replies: 33
Views: 2335

Re: Refinance car as layer of emergency funding?

chevca wrote:
Wed Aug 14, 2019 10:09 am
Still would love to know where 4% savings accounts are at.
Yeah where's this 4% at?

Also maybe do a Dave Ramsey. Get rid of that car, get a beater car (corolla, civic, matrix, accord, camry...) and start saving... It's redonkidonk to do a refi on an underwater, problematic car....
by flyphotoguy
Tue Aug 06, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Mazda extended warranty
Replies: 20
Views: 1923

Re: Mazda extended warranty

Bought Mazda 9 Year Extended Warranty on my 2015 Mazda 5 for $2K. Now have a leaking front Strut/shock and find out it is not covered. Finally after much aggravation finally got the Mazda Extended Warranty booklet that states what is / is not covered and under their Section E Item 8 Other Parts Not...
by flyphotoguy
Wed Jul 31, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Car Repair Question
Replies: 29
Views: 2430

Re: Car Repair Question

Another recommendation to avoid the dealership unless a repair is under warranty. They don't call them "stealerships" for nothing. Like what was mentioned above you have a lot of better options. 1. Look for a mechanic for what they charge to replace it. 2. Look for the part (Denso brand for toyota ...
by flyphotoguy
Wed Jul 10, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 11612

Re: Who cuts your hair? And for how much?

Me and my wife since I'm pretty much bald. Bought a buzzer set a few years ago for like $20. If I need a good clean haircut I'd go to greatclips with coupon for maybe $10-$16 per cut.
by flyphotoguy
Wed Jul 10, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Car Dilemma
Replies: 20
Views: 1693

Re: Car Dilemma

Son gets the old Lexus You drive the Forester Wife gets whatever she wants. Otherwise, you're talking spending multiple 10's of thousands of dollars needlessly. Fixed it for you. I 2nd this... Take care of the health issues first and a Lexus ES or NX/RX SUV would be comfy and possibly great driving...
by flyphotoguy
Wed Jul 10, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5671
Views: 484939

Re: S&P 500 hit 3,000 today

Weeeeeeee see you at 4,000... or maybe 2,000.... let's go for 5,000 instead! Can't complain about green giving us more green! :sharebeer
by flyphotoguy
Wed Jul 03, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3859

Re: Does this car exist? Sexy convertible with a backseat

Check out the Lexus IS convertible, I ended up with IS 350C. It has enough space, usable back seat and will fit our inflatable paddleboards/luggage/picnic stuff. I might install a hitch for our bike racks. My previous vert was a bmw m3 (e49) manual more than a decade ago and sold it a long time ago ...
by flyphotoguy
Thu Jun 27, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Any insurance beating USAA?
Replies: 42
Views: 3753

Re: Any insurance beating USAA?

I heard from those with USAA that they're happy with it and don't plan to change/move. I can't get it but I just recently moved from esurance to GEICO because of a few hundred dollars of savings per year.