Search found 1283 matches

by SVariance1
Wed Jul 01, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4391
Views: 303369

Re: Refinance Mega Thread

What is the amex credit with Quicken https://www.americanexpress.com/us/campaigns/loans/quicken-loans/ My guy (since yesterday) at Quicken mentioned credits but was not specific. I would like a line by line for the closing costs which so far he has not provided. He said in an email that after a 500...
by SVariance1
Wed Jul 01, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4391
Views: 303369

Re: Refinance Mega Thread

Refi with Better closed last Friday. $450k at 2.625%, $1.5k lender credit to offset their fees - so essentially no fees. I was a bit skeptical but better was actually very easy to work with. Nice. I sent my Quicken LE to Better and they ... bettered it by a bit (it was tricky since QL had the appra...
by SVariance1
Wed Jul 01, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4391
Views: 303369

Re: Refinance Mega Thread

I am looking to refinance my current mortgage because rates are at historic lows. At my current bank, I can do a 20 fixed at a rate of 3.125 I know that other lenders may have lower rates. I spoke with someone at Quicken Loans who quoted me at 2.75 for a 20 year fixed. Each of them only have one up ...
by SVariance1
Wed Jul 01, 2020 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Refinance
Replies: 2
Views: 161

Refinance

I am looking to refinance my current mortgage because rates are at historic lows. At my current bank, I can do a 20 fixed at a rate of 3.125 I know that other lenders may have lower rates. I spoke with someone at quicken loans who quoted me at 2.75 for a 20 year fixed. Each of them only have one up ...
by SVariance1
Mon Jun 22, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Re: Lexus Key Fob Issue

With the help of Boglegrappler, I fixed the problem. Thanks to everyone who offered help. I have always said that if you need help fixing something, go to Bogleheasd.org because the people there can help you fix anything. :sharebeer
by SVariance1
Mon Jun 22, 2020 5:16 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Re: Lexus Key Fob Issue

It is possible to repair the actuators with an inexpensive new motor. But I've done it and it was a remarkable pain in the butt. I saved hundreds of dollars, and had originally estimated that it would mean that I was paying myself about $50/hour. After I was finally done, I concluded that I probabl...
by SVariance1
Mon Jun 22, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Re: Lexus Key Fob Issue

I can confirm that it is not the keyfob and not the battery. There is something wrong with the car and I will likely need to call the dealer. How old is your car battery and when was the last time the cable connections were cleaned? I think this battery is the second one but I am not sure when I ch...
by SVariance1
Mon Jun 22, 2020 5:08 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Re: Lexus Key Fob Issue

I had the key battery replaced at dealer ship ($$$) but it worked great after that. Next time I would likely try to buy a generic battery online and do it myself. Sometimes I'm amazed at what car owners are willing to have a dealer do for them. Then I realize that for some owners DIY is not a reali...
by SVariance1
Mon Jun 22, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Re: Lexus Key Fob Issue

I can confirm that it is not the keyfob and not the battery. There is something wrong with the car and I will likely need to call the dealer.
by SVariance1
Sat Jun 20, 2020 9:11 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Re: Lexus Key Fob Issue

I also have a Lexus and love it. It sounds like you need to go into the program - Setup - Vehicle - Lock and it gives options on which doors you want to unlock. Here is a link to a YouTube video that may help. There are many more. Good luck. https://www.youtube.com/watch?v=XDSAPah-j1E Mel(TOM) That...
by SVariance1
Sat Jun 20, 2020 8:27 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Re: Lexus Key Fob Issue

I am going to contact Lexus on Monday but before to do that I wanted to see if anyone here would have any suggestions regarding how I can fix the following problem. The key fob on my Lexus opens the driver side door but will not open any of the other doors. When I click open for second time, it bee...
by SVariance1
Sat Jun 20, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Re: Lexus Key Fob Issue

livesoft wrote:
Sat Jun 20, 2020 7:59 pm
galawdawg wrote:
Sat Jun 20, 2020 7:52 pm
What model and year Lexus? Is this a SmartKey?
This is the key.
ES 350 2010
by SVariance1
Sat Jun 20, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Re: Lexus Key Fob Issue

SquawkIdent wrote:
Sat Jun 20, 2020 6:42 pm
Change the battery?
I do not think it is the battery. When the battery get very low, it will not work at all.
by SVariance1
Sat Jun 20, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Lexus Key Fob Issue

I am going to contact Lexus on Monday but before to do that I wanted to see if anyone here would have any suggestions regarding how I can fix the following problem. The key fob on my Lexus opens the driver side door but will not open any of the other doors. When I click open for second time, it beep...
by SVariance1
Sat May 16, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1707

Re: Weber Grill Will Not Light - Help

Doom&Gloom wrote:
Sat May 16, 2020 7:12 pm
Do you smell gas when you are attempting to light it?
Nope
by SVariance1
Sat May 16, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1707

Re: Weber Grill Will Not Light - Help

Sandtrap wrote:
Sat May 16, 2020 6:50 pm
Manual light with Long stem butane fireplace lighter.

Have had Weber’s and other grills for years and near daily use. The auto light goes south eventually.

j🌺
I can't figure out how to manually light it. I have put a flame on the left and right burner tubes and nothing happens.
by SVariance1
Sat May 16, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1707

Re: Weber Grill Will Not Light - Help

jebmke wrote:
Sat May 16, 2020 4:50 pm
Almost an hour and no word from SVariance1. I didn't hear an explosion, did anyone else?
Haha. I tried lighting it manually but it did not work. My uneducated guess is the regulator needs to be replaced.
by SVariance1
Sat May 16, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1707

Re: Weber Grill Will Not Light - Help

I always manually light my Weber gas grill. There is a little hole in the front about 1 x 1/2 inches into which you can put a long match or extended lighter. Just turn the gas on for the first burner and then place the match or lighter. Once it lights, turn the others burners on and they should sel...
by SVariance1
Sat May 16, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1707

Re: Weber Grill Will Not Light - Help

manually lighting the grill https://www.walmart.com/ip/3-PACK-GAS-LIGHTERS-11-Refillable-Butane-BBQ-Kitchen-Fireplace-Grill-Utility/368137075?wmlspartner=wlpa&selectedSellerId=15477&adid=22222222227000000000&wl0=&wl1=g&wl2=c&wl3=42423897272&wl4=pla-51320962143&wl5=9007964&wl6=&wl7=&wl8=&wl9=pla&wl1...
by SVariance1
Sat May 16, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1707

Weber Grill Will Not Light - Help

I have had a Weber Grill for several years and when I went to light it a couple of weeks ago, it would not light (It still will not light). I hear a clicking sound when I press the ignition button but none of he burners light. I tried replacing the ignition switch battery, cleaning the burner tubes ...
by SVariance1
Sat Mar 21, 2020 4:28 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4002
Views: 306640

Re: Coronavirus and the market

Unemployment during the Great Depression peaked at 24.9% During 2009, US unemployment was 9.9%. I don't think whatever this is will last as long as the Great Depression did, but just throwing those numbers out there to compare with as we get numbers from the BLS over the next few weeks. I think we ...
by SVariance1
Sat Mar 21, 2020 4:20 pm
Forum: Investing - Theory, News & General
Topic: COVID Crash: What did you get right?
Replies: 61
Views: 2843

Re: COVID Crash: What did you get right?

I was mostly invested in equity funds until about January of 2017. Then, I sold a few equity funds and replaced them with bond funds and money market funds to form a balanced account. In early 2019, I reduced my equity exposure substantially. My risk tolerance is much lower now than is was previous...
by SVariance1
Sat Mar 21, 2020 4:15 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4002
Views: 306640

Re: Coronavirus and the market

I've been following this thread for weeks now, and I still have one very simple question: can someone quantify why we should expect global public companies to be worth 30% less than they were at the start of the year going forward? Simply put: Vanguard Total World is down over 30% from the start of...
by SVariance1
Sat Mar 21, 2020 4:00 pm
Forum: Investing - Theory, News & General
Topic: COVID Crash: What did you get right?
Replies: 61
Views: 2843

Re: COVID Crash: What did you get right?

I was mostly invested in equity funds until about January of 2017. Then, I sold a few equity funds and replaced them with bond funds and money market funds to form a balanced account. In early 2019, I reduced my equity exposure substantially. My risk tolerance is much lower now than is was previousl...
by SVariance1
Fri Mar 13, 2020 8:07 am
Forum: Investing - Theory, News & General
Topic: Stock Market Volatility
Replies: 1
Views: 112

Stock Market Volatility

Does anyone have access to the data or can remember when we have experienced such intense volatility? I have been investing for almost 30 years and perhaps, I have selective memory but I cannot remember a time when the volatility has been this extreme. I know that volatility spiked in 2008/2009, and...
by SVariance1
Sun Mar 01, 2020 12:16 pm
Forum: Investing - Theory, News & General
Topic: Corona Virus = Black Swan, Book Recommendation
Replies: 127
Views: 8348

Re: Corona Virus = Black Swan, Book Recommendation

Propping up stock markets is not the fed's job. I agree and disagree at the same time. While propping up the stock market is not a stated goal of the Fed, it does have a target rate for inflation of between 1 and 2%. If the stock market performs very poorly, the Fed would likely be concerned about ...
by SVariance1
Sun Mar 01, 2020 11:15 am
Forum: Investing - Theory, News & General
Topic: Corona Virus = Black Swan, Book Recommendation
Replies: 127
Views: 8348

Re: Corona Virus = Black Swan, Book Recommendation

Propping up stock markets is not the fed's job. I agree and disagree at the same time. While propping up the stock market is not a stated goal of the Fed, it does have a target rate for inflation of between 1 and 2%. If the stock market performs very poorly, the Fed would likely be concerned about ...
by SVariance1
Sun Mar 01, 2020 10:38 am
Forum: Investing - Theory, News & General
Topic: Corona Virus = Black Swan, Book Recommendation
Replies: 127
Views: 8348

Re: Corona Virus = Black Swan, Book Recommendation

One of the concerns I have regarding how this could be very bad is that we are starting from a relatively weak position compared to 2008. Central banks have already hammered yields down to the dirt So if the ship starts to sink, what buckets can we use to bail it out? Negative rates? Or... Maybe ev...
by SVariance1
Sun Mar 01, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: Corona Virus = Black Swan, Book Recommendation
Replies: 127
Views: 8348

Re: Corona Virus = Black Swan, Book Recommendation

I am not sure if the corona virus is a black swan but it is sure is interesting to see the spike in volatility in the past week. Prior to the past week, volatility had been low for about 10 years. I do not think the current environment will become as bad as 2008 but at the same time, I do not have a...
by SVariance1
Sat Feb 15, 2020 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Qualified High Deductible Plan for HSA
Replies: 12
Views: 659

Re: Qualified High Deductible Plan for HSA

I think you’ll need to get confirmation from the insurance company. They will have a record if it was filed as a qualified plan. A basic tenet of HDHPs is lack of first dollar benefits. This means the deductible applies to all services before any payment is made. These plans do not have office visi...
by SVariance1
Fri Feb 14, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified High Deductible Plan for HSA
Replies: 12
Views: 659

Re: Qualified High Deductible Plan for HSA

niceguy7376 wrote:
Fri Feb 14, 2020 2:53 pm
Is this health ins through an employer or on market place?
Does the name of the policy on your card mention "HSA"?
I purchased the plan directly from the insurance company prior to ACA. I think it is what they call a grandfathered plan. There is no mention of HSA on my card but the card is old.
by SVariance1
Fri Feb 14, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified High Deductible Plan for HSA
Replies: 12
Views: 659

Re: Qualified High Deductible Plan for HSA

Be careful not to confuse deductibles with out of pocket max. If, as you state, your oop max is 13,800 that is too high to qualify for an HSA. "For 2019, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,350 for an individual or $2,700 for a family. An HDHP’...
by SVariance1
Fri Feb 14, 2020 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified High Deductible Plan for HSA
Replies: 12
Views: 659

Qualified High Deductible Plan for HSA

I am having a difficult time finding out whether or not my health insurance plan is a "qualified high deductible plan" per the IRS guidelines. I have read parts of IRS publication 969 for HSAs but whether or not my heath insurance plan qualifies is still not clear to me. I have deductibles for each ...
by SVariance1
Thu Jan 30, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: New Refrigerator Problem - Updated for Another Option - Liebherr 842947
Replies: 15
Views: 1099

Re: New Refrigerator Problem - Updated for Another Option - Liebherr 842947

Another Update: The installer, who also has a construction company. cut the sheet rock to make the new refrigerator fit. He will likely come back to fix the area that needed to be cut to give it the clearance
by SVariance1
Thu Jan 16, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: New Refrigerator Problem - Updated for Another Option - Liebherr 842947
Replies: 15
Views: 1099

Re: New Refrigerator Problem

Quick Update: The soffit sheet rock can be trimmed/removed but the front part of the soffit overhangs the unit a bit and there would be nothing there. The installer said, it would not look right.

They are researching other models
by SVariance1
Thu Jan 16, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: New Refrigerator Problem - Updated for Another Option - Liebherr 842947
Replies: 15
Views: 1099

New Refrigerator Problem - Updated for Another Option - Liebherr 842947

I was wondering if anyone has advice on the following situation? We scheduled a deliver and install for a new refrigerator. Previously, a representative measured the space (with the old one in place---not a true measurement ) to make sure the new refrig would fit into the old space. Unfortunately, i...
by SVariance1
Mon Nov 18, 2019 1:17 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Data - Vanguard S&P 500 Index Fund
Replies: 3
Views: 617

Re: Morningstar Data - Vanguard S&P 500 Index Fund

The Russell 1000 is M*'s standard index for the entire large blend category. The performance comparison is not telling you how well a fund tracks its index; it's telling you how a fund compares against the broad index representing the category. And the Russell 1000 more completely represents "large...
by SVariance1
Mon Nov 18, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Data - Vanguard S&P 500 Index Fund
Replies: 3
Views: 617

Morningstar Data - Vanguard S&P 500 Index Fund

If this issue has already been discussed, a moderator can delete the topic. Has anyone noticed that Morningstar is using the Russell 1000 Index as the benchmark for the Vanguard S&P 500 Index Fund? It is not obvious until you look at performance see that the Vanguard Fund has outperformed its index ...
by SVariance1
Wed Oct 23, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Possible Structural Issues in a House
Replies: 21
Views: 1849

Re: Possible Structural Issues in a House

Does it pass the "tennis ball test". I.e., can you carefully put a tennis ball on the floor and have it stay where you put it, or does it roll downhill even if you are very careful? If the tennis ball stays put, learn to live with it. If it rolls off get someone to look at it. I tried a tennis ball...
by SVariance1
Wed Oct 23, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Possible Structural Issues in a House
Replies: 21
Views: 1849

Re: Possible Structural Issues in a House

I posted the image of the floor. I am not sure if that will help, though.

https://imgur.com/RWmJiNU
by SVariance1
Wed Oct 23, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Possible Structural Issues in a House
Replies: 21
Views: 1849

Possible Structural Issues in a House

I have been in the process of hiring a contractor to install hardwood floors and redo a staircase. Yesterday, a contractor stopped by looked at the job and spent a portion of the time looking a how my floors are slanted. I have never noticed the slant before but now I see it. It is difficult for me ...
by SVariance1
Wed Oct 16, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1604

Re: We use Finish tabs

1. Use tabs. They are the correct amount of detergent. The "wrapper" will dissolve magically during the wash cycle. 2. Use a rinse agent as it provides some protection against etching. It also helps with drying. The tabs that Bosch recommends are manufactured by Finish. Finish recommends that you u...
by SVariance1
Wed Oct 16, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1604

Re: Dishwasher Finally Installed - Sample Tabs

I have used the powder stuff for 15 years, which might be the reason my old dishwasher only lasted 8 years. I did not realize that putting too much detergent in the holder would cause a problem. How is it possible to put too much detergent in a dishwasher? You can only fit so much powder in the det...
by SVariance1
Wed Oct 16, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1604

Re: Dishwasher Finally Installed - Sample Tabs

My dishwasher requires more maintenance than my car! Are you cleaning out the filters, spray arms, nozzles, seals, etc.? I don't do these tasks very often or at all, and I've probably left out a couple of other ones I don't do either, which is why I get less than ideal results, but I live with it. ...
by SVariance1
Wed Oct 16, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1604

Re: Dishwasher Finally Installed - Sample Tabs

I have used the powder stuff for 15 years, which might be the reason my old dishwasher only lasted 8 years. I did not realize that putting too much detergent in the holder would cause a problem. How is it possible to put too much detergent in a dishwasher? You can only fit so much powder in the det...
by SVariance1
Wed Oct 16, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1604

Re: We use Finish tabs

1. Use tabs. They are the correct amount of detergent. The "wrapper" will dissolve magically during the wash cycle. 2. Use a rinse agent as it provides some protection against etching. It also helps with drying. The tabs that Bosch recommends are manufactured by Finish. Finish recommends that you u...
by SVariance1
Wed Oct 16, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1604

Re: Dishwasher Finally Installed - Sample Tabs

I'm in the "can't be bothered crowd". Finish Power Ball Max tabs are on sale at Costco now for $11.99 for 125 count. They work great, dishes always clean with no film. So less than $0.10 per load and we run our dishwasher every other day as empty-nesters. Pretty inexpensive convenience IMHO. Are th...
by SVariance1
Wed Oct 16, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1604

Re: Dishwasher Finally Installed - Sample Tabs

I think you can only see the ratings if you are subscriber. I know the tabs are much more expensive. I am not sure if I want to pay the extra money for detergent. I have a full box cascade at home. I have never researched detergent, though. Before I buy an expense package of tabs, I might just use t...
by SVariance1
Wed Oct 16, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1604

Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]

I finally had my dishwasher installed. The cut out was apparently large enough for the new Bosch dishwasher. The dishwasher is plugged into a GFI under the sink. I bought it from Best Buy and they delivered and installed it for free. I was very surprised that the installation was free. The washer ca...
by SVariance1
Mon Oct 07, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: On-Going Dishwasher Issues
Replies: 23
Views: 2029

Re: On-Going Dishwasher Issues

Apparently the cut out depth is 24 for the new and old one. I think it should be okay.

Anyone have a preference for front control versus top control?

Has anyone bought a dishwasher and had it installed by Best Buy? They apparently have free delivery and installation.