Search found 2211 matches

by mmmodem
Sun Sep 27, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 80
Views: 5558

Re: Annual oil changes a must? Car maintenance during these times

We have a pair of Hondas that even before COVID we were driving less than 5000 miles/year. It's now less than 1000/car over the last year. We've always just gotten annual oil changes per the recommendation in the owner's manual. One of our cars is now at about 14 months since the last oil change. I...
by mmmodem
Sun Sep 27, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Rental car company charged me for toll road I did not use
Replies: 31
Views: 2297

Re: Rental car company charged me for toll road I did not use

Hertz has a site that you can see all the toll charges for your rental with the exact toll booth and time. Here: https://www.platepass.com/receipt/ No need to speculate. Agreed, no need to speculate. I disputed a $5 toll plus a $25 penalty fee once. I was livid and 100% sure it was not mine. I was ...
by mmmodem
Fri Sep 25, 2020 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey Home Affordability Calculator
Replies: 59
Views: 4488

Re: Dave Ramsey Home Affordability Calculator

Ramsey doesn't require maxing out a 401k or HSA so you can put those ~$2000 a month back into take-home pay. And that makes ~$6000 a month for a ~$250k home. Double that for a couple and you have a $500k budget. Plenty of homes in LA on that budget. Disclaimer: Huge Dave Ramsey fan. We purchased a $...
by mmmodem
Thu Sep 24, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: Planned power outage - any 'must-do's' or 'don'ts'?
Replies: 28
Views: 2039

Re: Planned power outage - any 'must-do's' or 'don'ts'?

My power company plans shutdowns almost twice every year for maintenance. I do...... drum roll..... absolutely nothing. We open the fridge and get food out as needed. We flush the toilet the usual. The game consoles are always fully shutdown. We have a well pump and the residual pressure has been pl...
by mmmodem
Thu Sep 24, 2020 3:28 pm
Forum: Personal Consumer Issues
Topic: Bogleheads knows how many Echo devices I have
Replies: 66
Views: 3079

Re: Bogleheads knows how many Echo devices I have

Is everyone hearing 3? It's only spooky if 3 is correct. We do have 3 echo devices in the house. How is Bogleheads involved?
by mmmodem
Thu Sep 24, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 80
Views: 5558

Re: Annual oil changes a must? Car maintenance during these times

Read the manual. It's x number of miles or one year. Whichever comes close. You're overdue. Having said that, If you are driving less than 1000 miles a year then the risk to engine damage driving on old oil is minimal? I wouldn't bring it in to change if I had qualms about it. 2 weeks ago, I did cha...
by mmmodem
Thu Sep 24, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: iOS 14 Battery drain on iPhone
Replies: 18
Views: 1377

Re: iOS 14 Battery drain on iPhone

Ooohh I didn't realize iOS 14 is already out. Thank you for beta testing. I don't usually install until the x.x.1 version. I did notice my daughter's phone refused to charge even after plugging in. Apparently Optimized Battery Charging was enabled. Which made sense so we left it enabled. You might g...
by mmmodem
Thu Sep 24, 2020 8:29 am
Forum: Investing - Theory, News & General
Topic: What did your accounts look like in your 30's?
Replies: 77
Views: 5909

Re: What did your accounts look like in your 30's?

Nonexistent. I was a graduate student for nine years--it's unusual to take that long and still actually get the degree, but I did. :P I guess you can say I was an undergraduate student for 8+ years. I didn't get my degree until I was 27. I like to tell people that the graduation rates drop off prec...
by mmmodem
Thu Sep 24, 2020 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Credit score mystery
Replies: 26
Views: 2006

Re: Credit score mystery

What's more tricky is that I don't have any debt (besides credit cards) so my score doesn't grow. This is incorrect. Length of credit and payment history accounts for 50% of your score. You do not need to carry debt to increase your score. https://www.myfico.com/credit-education/whats-in-your-credi...
by mmmodem
Wed Sep 23, 2020 8:11 am
Forum: Personal Consumer Issues
Topic: Tesla battery day.
Replies: 69
Views: 5715

Re: Tesla battery day.

Don't own a Tesla. Don't own any stock outside my index funds. But I'm a huge Musk fan. I get pure enjoyment watching "fossils" get proven wrong, time and again. I get it, the guy stumbles in his speech, lies and boasts. He is always late. The guy is no Steve Jobs... yet. I followed Tesla closely wh...
by mmmodem
Wed Sep 23, 2020 6:21 am
Forum: Personal Finance (Not Investing)
Topic: How does brand new credit card get compromised?
Replies: 19
Views: 1778

Re: How does brand new credit card get compromised?

One time I had fraudulent charges on a replacement card that were made before I even received and activated it. The original card was being replaced for, drum roll: fraud! Ditto above. I got a Sony CC provided by Capitol One to buy a Playstation to get the $200 discount. I used it exactly once to b...
by mmmodem
Tue Sep 22, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: Which used hatchback to choose?
Replies: 31
Views: 2174

Re: Which used hatchback to choose?

Driving 400 miles/month, fuel economy is basically immaterial. She could drive a 797hp Hellcat Redeye and your incremental annual fuel costs over a Prius or Fit wouldn't move the needle much. Now I'm not saying to buy the Hellcat. Just that I honestly wouldn't even bother using mpg as a factor in t...
by mmmodem
Tue Sep 22, 2020 7:34 am
Forum: Personal Consumer Issues
Topic: Which used hatchback to choose?
Replies: 31
Views: 2174

Re: Which used hatchback to choose?

I have a few of them on my saved list. Most recently a 2013 Prius 3 with 140k miles and has the solar moon roof. But it's also the blue color, which I prefer the most, so maybe that is influencing me more than it should, lol. Private seller asking $7,250, but he's a couple hours away, so I can't ju...
by mmmodem
Mon Sep 21, 2020 11:44 pm
Forum: Personal Consumer Issues
Topic: Which used hatchback to choose?
Replies: 31
Views: 2174

Re: Which used hatchback to choose?

I used to be a Prius naysayer. I hated my Prius until a couple months after I purchased. It was Hobson's Choice for solo HOV access. Then I found out the Prius not only saves on gas, but it costs less to insure and less to maintain. There is no CVT transmission to break. It doesn't have one. The Hyb...
by mmmodem
Mon Sep 21, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: California Auto Registration Fees — Moving
Replies: 12
Views: 1179

Re: California Auto Registration Fees — Moving

Why would you need to file CA taxes for 2 years. If you left CA in mid year, you would have to file part year for your new State and CA, then the 2nd year, don't you just file for your new State? Also, once you leave CA (example April 30th), do all the earnings and capital gains from May 1st follow...
by mmmodem
Mon Sep 21, 2020 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: California Auto Registration Fees — Moving
Replies: 12
Views: 1179

Re: California Auto Registration Fees — Moving

We moved out of CA in July of 2019 before our registrations were due on both vehicles. The most expensive registration wasn't due until January of 2020, and the other one was due in September of 2019. Not only were we not offered a refund, but we were threatened by the CA DMV repeatedly in letters ...
by mmmodem
Mon Sep 21, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to discuss with HR that I live in multiple places...
Replies: 28
Views: 3973

Re: How to discuss with HR that I live in multiple places...

Either give HR the address where you live most of the year or the address that is most permanent. I lived in 5 different places at my last job. I gave them my parents address knowing I would likely move several times during employment. This was in the same state so there were no tax considerations. ...
by mmmodem
Mon Sep 21, 2020 8:27 am
Forum: Personal Investments
Topic: Best Vehicle for Home Savings
Replies: 30
Views: 2124

Re: Best Vehicle for Home Savings

Many of you have recommended not having a separate savings for a house down payment from your normal investments. If this were the case, are you suggesting to just pull money from a 403(b) and Roth IRA for the down payment? To be honest, I think most people would recommend you save separate from re...
by mmmodem
Mon Sep 21, 2020 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Home Listing Mess-Up
Replies: 36
Views: 3796

Re: Home Listing Mess-Up

Sounds like:

a. a bad realtor,
b. one that doesn't want to work with you anymore, or
c. one that is overburdened and failed to keep track.

If I was happy with the realtor, no big deal. If I wasn't, any one of those reasons is enough for me to find a new one.
by mmmodem
Sun Sep 20, 2020 7:24 pm
Forum: Personal Investments
Topic: Best Vehicle for Home Savings
Replies: 30
Views: 2124

Re: Best Vehicle for Home Savings

Hahaha. Gotta love Klangfool responses. When I was younger, I saved in a high yield savings account, 401k loan, Roth IRA. In that order. We bought a low enough cost home that the HYSA was enough for 20% down without having to touch retirement accounts. Now, that I am older, I don't save for anythin...
by mmmodem
Sun Sep 20, 2020 7:00 pm
Forum: Personal Consumer Issues
Topic: Please Help: Rental Truck damaged a roof, need guidance on paying for repairs
Replies: 8
Views: 1329

Re: Please Help: Rental Truck damaged a roof, need guidance on paying for repairs

Yup, $1200. I'd pay out of pocket instead of the deductible to insurance and premium increase. Thanks for telling us what happened. Few ever return with the the conclusion.
by mmmodem
Sun Sep 20, 2020 11:54 am
Forum: Personal Investments
Topic: Best Vehicle for Home Savings
Replies: 30
Views: 2124

Re: Best Vehicle for Home Savings

Hahaha. Gotta love Klangfool responses. When I was younger, I saved in a high yield savings account, 401k loan, Roth IRA. In that order. We bought a low enough cost home that the HYSA was enough for 20% down without having to touch retirement accounts. Now, that I am older, I don't save for anything...
by mmmodem
Sun Sep 20, 2020 10:52 am
Forum: Investing - Theory, News & General
Topic: Chris Hogan's Facebook Group restrictions
Replies: 52
Views: 3503

Re: Chris Hogan's Facebook Group restrictions

Folks who visit this site are looking for solid financial advice without having to pay for the service. Jack Bogle realized decades ago that fees are counter intuitive to efficient returns. Those who heed Hogan /Ramsay's mantra either don't know or don't care. For my money, I'll stick with below av...
by mmmodem
Sun Sep 20, 2020 9:07 am
Forum: Personal Investments
Topic: How long does it take for your 403b/401k contribution to show up after payday?
Replies: 29
Views: 1253

Re: How long does it take for your 403b/401k contribution to show up after payday?

My previous employer, it was 3-14 days. More often it was 3 days but a few instances it was over 14 days which led to some questions since the next paycheck had arrived. If they’re this backed up, they’ll never catch up. My current employer is immediately. I suspect they time it earlier along with m...
by mmmodem
Sun Sep 20, 2020 8:58 am
Forum: Investing - Theory, News & General
Topic: Chris Hogan's Facebook Group restrictions
Replies: 52
Views: 3503

Re: Chris Hogan's Facebook Group restrictions

Folks who visit this site are looking for solid financial advice without having to pay for the service. Jack Bogle realized decades ago that fees are counter intuitive to efficient returns. Those who heed Hogan /Ramsay's mantra either don't know or don't care. For my money, I'll stick with below av...
by mmmodem
Sun Sep 20, 2020 8:43 am
Forum: Personal Consumer Issues
Topic: Preparing for a Long Distance Move - questions
Replies: 22
Views: 1494

Re: Preparing for a Long Distance Move - questions

1. Yes to all your questions. My work paid for the moving company and they did everything including wrapping up fragile pieces and packing. A couple of cheaper furniture were broken at arrival but they were so cheap anyway, that I didn’t bother claiming the insurance. 2. UHaul was prohibitively expe...
by mmmodem
Sun Sep 20, 2020 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Aggressive SL Debt Pay down v. Not meeting other goals
Replies: 40
Views: 2163

Re: Aggressive SL Debt Pay down v. Not meeting other goals

I really like the idea of keeping the emergency fund in cash inside the Roth. How much would you suggest? This has been something I’ve started to reassess with COVID. Up until March I kept it at $1k. Do you think 3-6 months is too conservative with the amount of debt I have? In addition to doing wh...
by mmmodem
Sun Sep 20, 2020 7:42 am
Forum: Investing - Theory, News & General
Topic: Chris Hogan's Facebook Group restrictions
Replies: 52
Views: 3503

Re: Chris Hogan's Facebook Group restrictions

I used to watch his YouTube videos, and I enjoy general financial discussion. Also his baby steps are easy to follow, although I do not subscribe to following them in the exact order. It is interesting the point you make about Dave's audience being broke people knowing nothing bout money as these a...
by mmmodem
Sat Sep 19, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Please Help: Rental Truck damaged a roof, need guidance on paying for repairs
Replies: 8
Views: 1329

Re: Please Help: Rental Truck damaged a roof, need guidance on paying for repairs

1. The damage to the apt may be covered by renter's insurance. 2. Yes. 3. I never inform the rental company when I return a vehicle. It is their due diligence to inspect the vehicle after drop off. I have been notified once that damage occurred. I informed them I paid for insurance. They had me sign...
by mmmodem
Fri Sep 18, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I help my mother pay off debt?
Replies: 31
Views: 2157

Re: Should I help my mother pay off debt?

We are currently supplementing my parents living expenses. They sacrificed for us and we as their children are obligated to help them now. If I was in your situation, I would pay off all your mother's students loans as long as she and your spouse are okay with it. Then I would hit up your brother fo...
by mmmodem
Fri Sep 18, 2020 11:53 am
Forum: Personal Finance (Not Investing)
Topic: New X1 Credit Card (3%)
Replies: 15
Views: 2461

Re: New X1 Credit Card (3%)

I do like the portrait mode design. All cards with a chip should be that way from now on. Unfortunately, I spend way more than $15k a year, so this card is worthwhile. But I don't spend anywhere near $750 on those merchants. Hard pass. Add Target or Amazon and I'll sign up.
by mmmodem
Fri Sep 18, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: Cost of Goods in House?
Replies: 17
Views: 1789

Re: Cost of Goods in House?

We are moving cross country as well and online quotes are giving me numbers that are less than half of what you have for a 4 bed. Online isn't accurate but even at $6000, I'm selling or donating anything that doesn't fit in my Ford Escape. I contemplated driving a Uhaul but even that is expensive fo...
by mmmodem
Fri Sep 18, 2020 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Condo rich vs house poor?
Replies: 56
Views: 5009

Re: Condo rich vs house poor?

Communication is number 1. I was firmly planted on a small townhome. DW vehemently disagreed and wanted the large home. So we "compromised." She got the large home and chose a location closer to my work to appease me. We sold our beloved starter home and moved to a McMansion. Then the latent feeling...
by mmmodem
Thu Sep 17, 2020 8:12 am
Forum: Personal Consumer Issues
Topic: Prius owners...advice?
Replies: 22
Views: 2273

Re: Prius owners...advice?

. Consumer Reports had a study done a few years ago and the replacement rate is around 4%. Link please? I’m very skeptical that a random sample of older models with 175,000 miles plus have only a 4% battery failure rate. Both my googling and discussion with the Toyota maintenance shop indicated tha...
by mmmodem
Wed Sep 16, 2020 11:10 pm
Forum: Personal Consumer Issues
Topic: Prius owners...advice?
Replies: 22
Views: 2273

Re: Prius owners...advice?

As evidenced by the replies here. Mandatory battery replacement is a myth. Consumer Reports had a study done a few years ago and the replacement rate is around 4%. That's in the range of an automatic transmission replacement rate of which the Prius does not have one in case you were thinking a hybri...
by mmmodem
Wed Sep 16, 2020 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 20646

Re: Preparing for retirement in mid 30s

OP, you'll be fine with your plan. How do I know? I grew up with 4 siblings and my parents combined made way under $45k inflation adjusted in HCOL California Bay Area. $45k would be downright luxurious to us as it would for millions of Americans today. ACA didn't exist back then but other low cost h...
by mmmodem
Wed Sep 16, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CC declined, they deny declining
Replies: 41
Views: 3510

Re: Fidelity CC declined, they deny declining

If it were a decline there would be a decline code with the issuer. If the issuer does not have any information on the attempted transaction it is because it never made it to them. It is most likely a merchant error, processor error, equipment issue, connection issue or processor system issues. Thi...
by mmmodem
Wed Sep 16, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: new car - 0% interest loan ?
Replies: 27
Views: 1682

Re: new car - 0% interest loan ?

1. Usually a cash rebate is in lieu of a rebate. For my end of the year Toyota bought in October, they allowed both. Thus, I financed at 0% and got the rebate. I then had autopay set up from my savings account where I had the full cost of the car saved up and forgot about the payment. Easy. For my H...
by mmmodem
Wed Sep 16, 2020 7:50 am
Forum: Personal Consumer Issues
Topic: Google Voice - scheduled auto fwd to VM
Replies: 15
Views: 894

Re: Google Voice - scheduled auto fwd to VM

I did it the opposite way. I ditched the personal phone and transferred my personal phone number to GV. I use the GV dialer app on my work phone. GV is only as reliable as your WiFi or LTE connection which is to say worse than my cellular voice connection. Often calls cannot be placed or sound mudd...
by mmmodem
Tue Sep 15, 2020 12:33 pm
Forum: Personal Consumer Issues
Topic: Google Voice - scheduled auto fwd to VM
Replies: 15
Views: 894

Re: Google Voice - scheduled auto fwd to VM

I did it the opposite way. I ditched the personal phone and transferred my personal phone number to GV. I use the GV dialer app on my work phone. GV is only as reliable as your WiFi or LTE connection which is to say worse than my cellular voice connection. Often calls cannot be placed or sound muddy...
by mmmodem
Tue Sep 15, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Buying a car?
Replies: 25
Views: 2018

Re: Buying a car?

(is it a good idea to sell it before it reaches a certain mileage and buy something more reliable)? No, this is generally what people tell themselves to justify a new vehicle purchase. You may have a mileage threshold where you don't want to risk driving what you percieve as unreliable. However, th...
by mmmodem
Tue Sep 15, 2020 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CC declined, they deny declining
Replies: 41
Views: 3510

Re: Fidelity CC declined, they deny declining

Yes, I have had a CC transactions declined as claimed by the merchant. 3 times in recent memory. Calling my CC was no help as they claimed my card was not on hold and nothing had been declined. I used a different card to complete the purchase. Indeed, they were right as I was able to use the same ca...
by mmmodem
Mon Sep 14, 2020 11:24 am
Forum: Personal Investments
Topic: How much are your 529 Contributions
Replies: 133
Views: 7467

Re: How much are your 529 Contributions

There seems to be a myth that there is some financial scenario where a household with money to max retirement accounts, can get lots of grant or scholarship money from a college, as long as they don't have 529s. If there was a special income/asset formula that resulted in need-based aid, that Bogle...
by mmmodem
Sun Sep 13, 2020 8:57 am
Forum: Personal Investments
Topic: How much are your 529 Contributions
Replies: 133
Views: 7467

Re: How much are your 529 Contributions

$0 for us. A 529 doesn't make financial sense for us, either. As others have already reasoned, number one priority is to max out tax advantaged accounts. After that we have chosen to pay off our primary home before contributing to a 401k. This is because equity in a Primary home does not count towar...
by mmmodem
Wed Sep 09, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19094

Re: How Much House Can We Afford in HCOL Area?

A huge problem is that much of the Bay Area, outside of San Francisco, is mainly suburban sprawl with very bad traffic. This was especially true in the South Bay which is where I lived and that may skew my perspective. Other than the jobs I did not find the South Bay all that nice a place to live w...
by mmmodem
Wed Sep 09, 2020 6:16 am
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 71
Views: 4438

Re: Repair plasma television or get new TV?

My 47" TV gave up the ghost a couple years ago. eBay sells a replacement board for $200. If I send back my failed board afterwards, they'll give me back $50. Essentially, they charge me $150 and they replace the bad capacitor on my failed board to sell to the next customer. I'm no good with solderin...
by mmmodem
Mon Sep 07, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 61
Views: 3372

Re: Need some advice for buying my first flat screen TV.

3) A few years ago, yes, but most services I encounter now include HD for free. They are charging extra for 4k. Most likely if you have a tube TV and a cable box, the signal is SD and it will look worse going into a new 4k television. Looked at the back of the Verizon box and it has HDTV connection...
by mmmodem
Mon Sep 07, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 61
Views: 3372

Re: Need some advice for buying my first flat screen TV.

1) Yes 2) Yes, that's why it is important to get HD 1080p 3) A few years ago, yes, but most services I encounter now include HD for free. They are charging extra for 4k. Most likely if you have a tube TV and a cable box, the signal is SD and it will look worse going into a new 4k television. If you ...
by mmmodem
Sun Sep 06, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: Set up new iPad for MIL with dementia in nursing home
Replies: 20
Views: 1436

Re: Set up new iPad for MIL with dementia in nursing home

Absolutely password protect the iPad. If it is stolen, then the account could be compromised. Even if no CC or private data is contained within, I'm sure an enterprising thief can find some use for it. But if it was locked it would be useless. iPads now have TouchID so anyone helping her can have he...
by mmmodem
Sun Sep 06, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: What Method of paying cash for car: EFT vs check?
Replies: 31
Views: 1821

Re: What Method of paying cash for car: ECF vs check?

Last three times I bought a vehicle was: 1. Cashier's check 2. Personal check 3. Credit Card By far, my favorite was with a credit card for reward points but they wouldn't take CC the last two times. I wonder if it was because I had another form of payment. If I had insisted I only had a CC for the ...