Search found 493 matches

by fandango
Mon Oct 29, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Tire rotation - low mileage car
Replies: 36
Views: 1919

Re: Tire rotation - low mileage car

My friend has a Suburban and has never rotated tires. The wear on the tires seems even, and he is getting good mileage out of them.

When the tread is low he buys 4 new tires on and runs them 50,000 and repeats.
by fandango
Tue Sep 18, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5437

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

My Personal Advisor has me in three bond funds: Total Bond Index, Short Term Bond Index and International Bond Index. You may want to talk with your Account Executive and see if you can get another Personal Advisor since his/her recommendations seem a little extreme. One reason they are "trying to e...
by fandango
Fri Aug 03, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Dental implant in Tijuana
Replies: 37
Views: 3984

Re: Dental implant in Tijuana

My wife had two implants. It was a long tedious process because she had some bone loss that requires a bone graft. If I remember correctly, the whole process to it took almost 6 months. The oral surgeon (a great one by the way) did the bone grafts and inserted the studs. Or GP formed the new teeth a...
by fandango
Sat Jul 28, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Expenses
Replies: 30
Views: 2250

Re: Assisted Living Expenses

My mother was in a facility ranked in the 75th percentile for 5 years. She required more than average care. Cost was around $40,000 per year. $100,000 per year is the rate for most "nursing home" facilities. So, I am thinking that you may have the two confused. In either case, you will have to liqui...
by fandango
Tue Jul 17, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: New Career Advice? Would you do it?
Replies: 18
Views: 1854

Re: New Career Advice? Would you do it?

I was formerly a Fidelity customer. From my standpoint it looked like a revolving door for the position you are discussing. It is a sales position and nothing more - some people don't make the sales they need to stay employed. Look at small career changes in your government job or enhancing your ski...
by fandango
Sun Jul 08, 2018 4:31 am
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4735

Re: Retirees...what’s your lunch menus?

Lunch is our largest meal of the day Usually eat for lunch: Salad with low fat dressing Whatever fruits or vegetables are in season and look good Chicken (broiled) and salmon (broiled) Yogurt, low fat/no salt added cottage cheese Breakfast Decaf coffee High fiber cereal, oatmeal Skim milk Dinner Yog...
by fandango
Sat Jul 07, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 47
Views: 4356

Re: Tire experts? Can I trust a patched tire?

To mitigate this risk: I buy road hazard insurance for all the tires that I purchase (usually form Discount Tire). It is worth it. I bought a complete set of Michelin LTX/MS tires for my Toyota 4 Runner. After I left, I noticed 5 miles down the road that one tire was low and leaking fast. Turned aro...
by fandango
Mon Jun 04, 2018 5:51 am
Forum: Personal Consumer Issues
Topic: Interior painting - Sherwin Williams color recommendations
Replies: 28
Views: 2578

Re: Interior painting - Sherwin Williams color recommendations

We have used SW "Crisp Khaki" in our home for 10 years. We have wide trim and lots of crown molding in SW "decorator white". The two colors go well together and with the various woods that we have in our furniture. I would use flat paint for the walls and satin for the trim. Much easier to touch up ...
by fandango
Tue May 22, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6870

Re: How have you upgraded your wardrobe?

I think a nice (well fitting) blazer and a couple of dark suits (well fitting) for weddings, funerals, job interviews, etc. should be enough in today's environment for traditional wear. Sy Syms used to be my major provider ($1000 suits for $200) but alas they have gone bankrupt. Now that I am retire...
by fandango
Sun Apr 29, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Staged Retirement
Replies: 12
Views: 2231

Re: Staged Retirement

How about renting or leasing a home to be sure that you like the rural life? Then you are not locked in and can easily move somewhere else if you don't like it. Many seniors are renting now to avoid all the hassle of home ownership. Another possibility is living in one of the more remote suburbs of ...
by fandango
Sat Apr 28, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 12401

Re: Amazon to raise Prime membership in US to $119 from $99

I might pay the $119 , but I am thinking about dropping Amazon altogether. "2 day shipping" has evolved to "3 or 4 day shipping maybe", and the value isn't what it used to be. It all started when they began using the USPS for shipping. I had a package hung up in the Atlanta USPS central distribution...
by fandango
Mon Apr 23, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 9249

Re: Do you buy new or used cars?

I negotiate hard and buy new Toyotas or Hondas. Drive 200,000 miles (about 12 to 15 years), then sell at a premium and do all over again.
by fandango
Fri Apr 13, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 4329

Re: Unaffordable prescription drug

I know several people who are in "trials" and could not afford the drugs involved. After their doctor discussed with the "trial leader", they received the drugs a no cost.

These were cancer drugs at Emory University.
by fandango
Fri Apr 13, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate to ask co-worker when retiring?
Replies: 35
Views: 2892

Re: Appropriate to ask co-worker when retiring?

Bad idea.

He'll tell you if he wants you to know.
by fandango
Fri Apr 13, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 12349

Re: Wanting to leave Fidelity

To clarify my previous post, I did ask and receive a total of 3 Fidelity "Account Executives". All displayed the same characteristics. The last one seemed shocked when we pulled 90% of our investments and transferred to Vanguard. I got tired of all the "selling" and "posturing" and told him that on ...
by fandango
Fri Apr 13, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 12349

Re: Wanting to leave Fidelity

I moved almost all of our investments from Fidelity to Vanguard. The main reason was unsolicited calls from my Fidelity "Account Executive" urging me to take advantage of some flaky investment opportunity. Every call sounded like his hair was on fire and that the world was ending today. Not my way o...
by fandango
Tue Apr 10, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Job search advice for a soon-to-be engineering grad...
Replies: 41
Views: 2321

Re: Job search advice for a soon-to-be engineering grad...

Hard to believe in this improving economy that a Vanderbilt graduate with a Mechanical Engineering degree can't/won't find a job. New graduates need to realize that the "dream" job is often not there. Best to get employed, start working, and learn from the real world. You can always change direction...
by fandango
Mon Apr 09, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7228

Re: Honda reliability slipping?

The reliability bar keeps rising every year.

It's not so much that Toyota and Honda are getting worse - other makes of car are getting better!
by fandango
Mon Apr 02, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Advice with Vanguard Investments Personal Advisor Services
Replies: 20
Views: 2388

Re: Advice with Vanguard Investments Personal Advisor Services

I use Vanguard PAS and am very pleased with the value I have received. My main reasoning for using the service was to set up my portfolio for retirement and have someone for my wife (who has little interest in investing) to rely on if something happens to me. To many sharks out there trying to rip o...
by fandango
Sun Apr 01, 2018 5:28 am
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 108
Views: 7928

Re: Customer Service with Vanguard

I have been a Vanguard customer for 30+ years and have never had a problem with customer service.

I have worked with other mutual fund companies (Fidelity, Pimco, etc.) and have not found the customer service to equal Vanguard.
by fandango
Wed Mar 28, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 54
Views: 9576

Re: Verizon- Why do they treat old customers worse?

Just dropped the WSJ for the same reason My rate went up to $465 per year, and I called WSJ and told them that one of my friends who was a new customer had a deal for $198 per year. I asked for the same deal. They said that no existing customer could get that deal. I told them to cancel my subscript...
by fandango
Wed Mar 28, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 5782

Re: New car on lot for 102 days. Concerns?

The Highlander is a "hot" model, and, therefore, it is hard to get much of a discount off sicker price. So, the car may have been sitting on the lot for a while waiting to get someone to pay this premium.

It will be interesting to see the responses to your email.
by fandango
Mon Jan 22, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 7435

Re: Work-out schedule for those in 60s

I have been doing 30 minutes of cardio and 30 minutes of weights daily for 10 years. With weights, be careful. High repetition is better than high weights. Ligaments and tendons get less elastic as you get older and can tear (not something that you want to happen!). If you get bored, try something n...
by fandango
Mon Jan 22, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Xfinity broadband: should I try to negotiate a better deal?
Replies: 31
Views: 2322

Re: Xfinity broadband: should I try to negotiate a better deal?

I negotiate with Comcast every year. Cable and phone companies have a strangebusiness strategy, give new customers a better deal than long term customers. They are turning themselves into a commodity. No wonder people are moving from one provider to another all the time. I bust that business strateg...
by fandango
Sun Dec 31, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 4597

Re: Car headlights or Daytime Running Lights - what do you do?

Although I can turn them off, I leave DRL's on all the time.

Any hint of cloudiness, precipitation or darkness , the headlights go on manually. I do not rely on automatic light system.
by fandango
Wed Dec 20, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 4105

Re: Fuel Additives for 2017 Toyota Camry

FINAL UPDATE:

I just heard back again from Toyota He said: "Fuel additives are neither required nor recommended for your 2017 Toyota Camry. Period."
by fandango
Mon Dec 18, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 9218

Re: New job offer - background check

Your previous employers did not seem to have a problem with your background when they hired you. Find someone to do a complete background report on you. The cost is probably less than $50. Don't go through life worrying about something that may not be a realistic fear. Do your own background check.
by fandango
Sat Dec 09, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 5104

Re: Danger of being a helicopter pilot?

My nephew is in the Georgia National Guard and was recently accepted into the helicopter pilot program. Apparently, it is quite competitive and only 10% of applicants are accepted through the initial screening. I believe the actual training program lasts one year if you get that far. Although, the t...
by fandango
Fri Dec 08, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 4105

UPDATE: Fuel Additives for 2017 Toyota Camry

I got a quick reply from Toyota. They called to ask me some more questions about my email. They said that "no gasoline additives were required for my vehicle" and that Toyota USA would be following up with the dealer. Whether this will do any good or not remains to be seen. I was impressed, however,...
by fandango
Fri Dec 08, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 4105

Re: Fuel Additives for 2017 Toyota Camry

The owner's manual only says to use "top tier" gasoline with at least a rating of 87 octane. I use Exxon so quality of gas is not an issue. I have an email into Toyota USA asking the same question that I have asked here. I will let you know what they say. I will probably be taking my business to ano...
by fandango
Thu Dec 07, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 4105

Fuel Additives for 2017 Toyota Camry

I just had my first 5000 mile maintenance at a Toyota dealership. Part of my free maintenance foe 2 years/24,000 miles. The service technician said that I should add a gasoline additive to my 2017 Camry every 6 months. He said that ethanol could separate from gasoline interact with bacteria and caus...
by fandango
Sun Oct 01, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax Liability
Replies: 13
Views: 2228

Re: Equifax Liability

by fandango
Tue Sep 26, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Liability
Replies: 13
Views: 2228

Equifax Liability

I just found out that I was on the Equifax list of those possible "impacted" by the data breach. In July , my credit card number was used in Istanbul Turkey to purchase $180 of various goods. I haven't been there for 20 years. I had to get a new credit card, change all the accounts where I use my cr...
by fandango
Tue Sep 19, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental - BCBS vs United Healthcare
Replies: 6
Views: 817

Re: Medicare Supplemental - BCBS vs United Healthcare

Personal observation: Been with BC/BS for 5 years. Never had a single problem with claims administration. In fact, the only issue that I have ever had with Medicare was when the doctor's office mis-coded some procedures/visits. This was quickly corrected by Medicare and BC?BS once the received the c...
by fandango
Mon Jul 24, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 6054

Re: Home Security System with/without monitoring

I pay $179 per year for monitoring and get a $200 discount on my home insurance policy for having a monitored system. Check to see if you can get a discount from your insurance policy. We have only had one false alarm in 10 years. I was in Mexico, and my wife left the house to walk the dog and forgo...
by fandango
Sat Jul 22, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Career Advice
Replies: 19
Views: 2181

Re: Career Advice

My question for you:

Have you ever taught before? If not, how do you know that you would like it?

Why not shoot for a job in a small to medium size company and teach part-time to see how you will like it?

Teaching is not always what you think/dream it will be.
by fandango
Sat Jul 22, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 47
Views: 50887

Re: My Costco/TrueCar auto shopping experience

I use the True Value price as one of several benchmarks and go to the dealer with my target price. My most recent purchase was $2,000 below the True Value price with lots of other goodies thrown in (like free maintenance for 5 years, lifetime oil changes, window tinting, etc.). It was $500 dollars b...
by fandango
Wed Jul 12, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 10262

Re: Personal loan to a family member

We have loaned money to a relative in what we thought was "dire straits". One of our relatives lost his job, and our entire family loaned him money to help his family out. This continued for several years. Eventually he found work again. We have recently discovered he had significant property assets...
by fandango
Wed Jul 12, 2017 7:07 am
Forum: Investing - Theory, News & General
Topic: Investors flock to Vanguard funds, dump Goldman, Wells Fargo, and others
Replies: 35
Views: 4466

Re: Investors flock to Vanguard funds, dump Goldman, Wells Fargo, and others

I have invested with Vanguard for almost 45 years. My biggest concern about Vanguard is deterioration in customer service as the company gets larger. I have begun to see it in minor ways already: missed appointments with customer, failure to rapidly respond to technical questions, no continuity of k...
by fandango
Sat Jul 08, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 10322

Re: Switch to federal job?

When benefits are considered, federal jobs pay 30 to 40% more than the private sector. [OT comment removed by moderator prudent]

However, very difficult to get things done and get rid of poor performers. It can be very frustrating for former private sector with any initiative.
by fandango
Thu Jul 06, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 5397

Re: Buy a vehicle cash or finance?

Be sure to check all the fees with the 0% loan from Subaru. Sometimes a few things are added here and there (I have seen $2000) to get the loan.
by fandango
Thu Jul 06, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 54
Views: 9576

Re: Verizon- Why do they treat old customers worse?

I renegotiate my Comcast deal every year. I currently pay $129 for a bundle (telephone, internet, and HD TV). When the rate goes up, I call them that I would like to stay with Comcast, but the rate is too high. I compare it to a rate for a new AT&T customer. They cut the rate to where it was before ...
by fandango
Thu Jun 22, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 6504

Re: Turbochargers

What about the cost of maintaining the turbo? Surely that is a continuing expense if you own a vehicle with a turbo charger?

Knowing dealerships and garages, I am sure they want to check them out once per year at around $100 a pop to examine functioning, potential deposits, etc.
by fandango
Thu Jun 15, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 6504

Turbochargers

I have noticed a number of new cars that I am interested in now have turbochargers as standard equipment (eg. Honda CRV). Seems to be a trend in the auto industry.

What are the pro's and con's of turbochargers? Any comments on maintenance and reliability?

Thanks.
by fandango
Tue Jun 13, 2017 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 74
Views: 10259

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

Usually salary history information appears on the application somewhere. If not, a good recruiter will get that information over an initial telephone screening review. I was an HR Director for a large corporation for over 40 years and never saw the situation that you described. What if the peer pres...
by fandango
Wed Jun 07, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 185
Views: 36149

Re: GEICO auto rates vs. USAA: too good to be true?

I have had GEICO auto insurance for 45 years.

Every few years, I shop around and compare rates. No one has come close to beating GEICO. Usually they say they can't beat GEICO early in the conversation.

Customer service is great. Absolutely no problems.
by fandango
Sun May 21, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 14748

Re: Which Small SUV for 15 Year Reliability?

I have a Honda CRV, and it is keeper. My mechanics tell me the only issues are electronic - meaning all the stuff you don't use in the driver's compartment. I was considering a second CRV but a turbo is standard on the top end models. A non- turbo engine is available on the LX and EX. Most auto make...
by fandango
Tue Apr 25, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good long term care policy?
Replies: 11
Views: 1232

Re: Is this a good long term care policy?

Be sure to check out the issuing company and their financial stability. Many are struggling now. Your investment maybe for 20 or more years before you receive a benefit.

Recently, Genworth was acquired by a Chinese company. Not sure what that means for the future.
by fandango
Tue Apr 25, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 7291

Re: $300+ to remove a racoon. Really?

Check with your local animal control office. Usually they will loan you a wire cage trap, tell you how to bait it, and collect the critter when you catch it. I got a possum out of my crawl space that way. Used a piece of sardine for bait. Be sure to check out your crawlspace after the critter is gon...
by fandango
Mon Feb 20, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 4736

Re: Thinking of Leaving Vanguard Personal Advisory program

We have been with PAS for a couple of years and are well satisfied with what we get for 0.30% Our CPA works with a lot of trusts and medium to small investors. When I told him during our tax conference a few days ago that I used PAS to manage a large chunk of our money and that the fee was 0.30%, he...