Search found 776 matches

by JPH
Wed Sep 19, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 40
Views: 2990

Re: Dental work and hypertension issue

If they expect 120/80 in the clinic, they will have either an empty clinic or young people in great shape. Tim This is correct. I receive treatment at a dental school from a faculty dentist. My pressure always is high at the dentist. Last time I was there it was 150/110. Not a problem for an exam a...
by JPH
Fri Sep 14, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 487
Views: 71876

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

The latest from Honda to me in regard to my complaint is: "To better meet to expectation, how were you hoping for American Honda Motor Company, inc. to provide assistance?" :x
by JPH
Wed Sep 12, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2561

Re: The Atlantic: 'Why is College In America So Expensive?'

Administration costs have increased dramatically as well. When I started work at my university we had a president, and he one executive assistant. Each college had a dean. Over the years, the number exploded. When I left after 30 years, there were numerous vice-presidents, layers of executives, chai...
by JPH
Tue Sep 11, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 487
Views: 71876

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

I received an email today from Honda generated by the complaint that I filed. They sent me their "sincere apologies for the inconvenience." They asked if I have daken the car to a Honda dealer for inspection, when, and where.
by JPH
Sat Sep 01, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 487
Views: 71876

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

Now I'm curious about the viscosity number. For 0W30, your viscosity is out of spec at 7 but would be in spec for 0-20. Does that mean that your viscosity is still OK referenced to 0-20 or it is not OK? It is still higher than my result at 6.9. I'm finding out a lot more about engine oil and engine...
by JPH
Thu Aug 30, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 487
Views: 71876

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

JPH - From a table on this website: https://www.bobistheoilguy.com/viscosity-charts/ 20 5.60-9.29 30 9.30-12.49 It appears that Blackstone is using the range for 30-weight oil in reporting your results (as best I can tell anyway). Is that what your report shows? The report is correct. I am using 0W...
by JPH
Wed Aug 29, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 487
Views: 71876

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

I've also just opened a ticket with Honda on this issue. Doubt much will come of it, but I'm laying down as much groundwork as I can on this. Here's where you can do that: http://owners.honda.com/help/customer-relations I see the link to "Send an Email." Is that what you mean by "open a Ticket?"
by JPH
Wed Aug 29, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 487
Views: 71876

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

Here is some more detail on the values that were out of range. I couldn't figure out how to format it correctly or insert. The bolded values are from my car. In parentheses are the normal ranges. Everything else was normal. SUS Viscosity @ 210°F 49.2 (57-67( cSt Viscosity @ 100°C 7.02 (9.4-12.4) Fla...
by JPH
Wed Aug 29, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 487
Views: 71876

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

I just received the results of the oil analysis on my 2017 CRV. I had 5,000 miles on the oil. Very hot climate & mostly short trips. Here is what they reported. You're concerned about fuel dilution, and we found a fair amount in this sample. 4.8% fuel dilution is enough to show a fuel system issue a...
by JPH
Tue Aug 21, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7272

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

Tell them they made a mistake and demand a higher degree. :happy Thank you for your service.
by JPH
Fri Aug 17, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1754

Re: Mail order pharmacy

I use a mail order pharmacy and don't plan to change. All my meds are very cheap, and I can get them at nearly the same price or cheaper at Walmart. A friend once had her mailbox robbed, including a pharmacy shipment. The pharmacy refused to replace it, and the insurance would not pay. She had to pa...
by JPH
Fri Aug 10, 2018 7:05 am
Forum: Investing - Theory, News & General
Topic: The Most Googled Money Terms in America
Replies: 17
Views: 2831

Re: The Most Googled Money Terms in America

That looks like "fake news" to me. When you click on the map of the states, each state supposedly has a different financial term that is most searched. Really? Fifty common financial phrases and every state picks a different one? Even Rhode Island, a tiny state doesn't have the same search as one o...
by JPH
Mon Aug 06, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Is It Really That Difficult to Apply for Social Security Online?
Replies: 13
Views: 1012

Re: Is It Really That Difficult to Apply for Social Security Online?

You also can have a SS agent do it for you over the phone if you don't mind waiting on hold for a while.
by JPH
Mon Aug 06, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: Good/Cheap Glucose Monitoring System.
Replies: 15
Views: 1272

Re: Good/Cheap Glucose Monitoring System.

Are you trying to lower your blood glucose level? Be careful. If it drops too much you could faint.
by JPH
Sun Aug 05, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How to find a conscientious/competent estate attorney?
Replies: 49
Views: 3757

Re: How to find a conscientious/competent estate attorney?

I appreciate the advice of bsteiner. (I made a copy of his article on retirement assets in trusts and will show it to my attorney; JPH, if bsteiner's article isn't here or I'm suddenly blind, could you give it to me please? Thanks a lot! Rosa P.S. ...and remember, always ask something like: "Is the...
by JPH
Sun Aug 05, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: How to find a conscientious/competent estate attorney?
Replies: 49
Views: 3757

Re: How to find a conscientious/competent estate attorney?

Here are some websites that I have found useful in finding competent estate planning attorneys: Martindale.com - you want one that has an AV rating by their peers Superlawyer.com Wealthcounsel.com Eldercounsel.com Martindale ratings are peer ratings. There's no grade inflation. A is good. One thing...
by JPH
Fri Aug 03, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 4939

Re: best place to hide a key

I carry a spare car key in my wallet. If you lose your wallet, then a finder would have your address and the key to your car. I used to carry a house key in my wallet until I realized this. Now I try to remove all personal ID from my car because I still leave my garage door opener in the car. With ...
by JPH
Thu Aug 02, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Respect the Magical Power of Mean Reversion
Replies: 20
Views: 2198

Re: Respect the Magical Power of Mean Reversion

What comes down must go up? I think so. But when to make the move? I had a research assistant once that did a lot of fancy technical analysis to note when the price of a stock crossed a threshold band a "critical" distance from its running mean. She had fun, then went to law school.
by JPH
Thu Aug 02, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Respect the Magical Power of Mean Reversion
Replies: 20
Views: 2198

Re: Respect the Magical Power of Mean Reversion

There have been other threads on mean reversion versus regression to the mean. I don't pretend to understand much about mean reversion as that term is used in finance. Bogle also has described it as a "Powerful Force" as does the author of your quote. I doubt it. Regression to the mean is well known...
by JPH
Tue Jul 31, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 41
Views: 3011

Re: Best BBQ in San Antonio

If Lum's in on your way, go there. Nothing in San Antonio proper is exceptional. But you can easily find something good. Even Rudy's can be enjoyed. What you want is barbecue. Any other spelling or abbreviation is a signal to avoid. Google "Texas Barbecue Trail" if you just want to do some research ...
by JPH
Mon Jul 30, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: What are techniques for protecting against downside risk or market corrections?
Replies: 10
Views: 1224

Re: What are techniques for protecting against downside risk or market corrections?

If you don't understand these things, then don't do them. You certainly would be increasing, rather than lowering, your risk. It sounds like you don't ever want to see your balance go down. If you're a long-term investor, then don't worry about it.
by JPH
Thu Jul 26, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: When Buckets Really aren’t Buckets.
Replies: 18
Views: 1962

Re: When Buckets Really aren’t Buckets.

The only value I see in buckets is as a crutch to assist with allocation and budgeting. But you already are doing that in your head, which is much simpler. As you obviously are smart enough to do the math, keep it going.
by JPH
Thu Jul 26, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 3855

Re: negative comments about "Brazil nuts"

Do you live near one of those groceries that sells stuff in bulk out of those little bins? One such place near me currently is selling bulk Brazil nuts for $9.99 per pound. Just taste one from the bin to see if they are to your liking.
by JPH
Sun Jul 15, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4875

Re: FireCalc: How big a grain of salt?

The primary purpose of FireCalc is to show you the "grain of salt." The wild spread of all those lines tells you that almost anything is possible. But they converge to something reasonable.
by JPH
Sat Jul 14, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Know Your Investor Personality
Replies: 26
Views: 2837

Re: Larry Swedroe: Know Your Investor Personality

I'm pretty skeptical of this. How do we know that they can validly classify people into those four categories? Do those really exist? Or is it pseudo explanation by naming? Seems very simplistic. I could make the opposite argument that classifying people into four categories is inadequate, and we re...
by JPH
Tue Jul 10, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 7295

Re: Walking Coast-to-Coast

You mean you actually walked upright on the ground? That's a great accomplishment. I congratulate you.
by JPH
Tue Jul 10, 2018 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Expense Ratios Correlation with Returns
Replies: 6
Views: 619

Re: Expense Ratios Correlation with Returns

If you restrict the range of either variable, then the correlation will decrease.
by JPH
Mon Jul 09, 2018 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Rent Cost vs Commute -- How would you calculate trade-off financially?
Replies: 11
Views: 961

Re: Rent Cost vs Commute -- How would you calculate trade-off financially?

Do you know Houston? You should be considering traffic as well as distance.
by JPH
Sun Jul 08, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: "15 Things You Didn't Know About Vanguard Group"
Replies: 13
Views: 3623

Re: "15 Things You Didn't Know About Vanguard Group"

At 5:44 is that Warren Buffett enjoying himself at the Bogleheads conference?
by JPH
Sun Jul 08, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 6039

Re: Girls and investing

At that age they can begin to learn about acquiring money, spending money, and saving money and the trade-offs among those. For instance, they can learn that money can be exchanged for things they want, and to make that happen they will need a way to acquire money and sometimes to delay spending to ...
by JPH
Sun Jul 08, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4742

Re: Why 3-funds and not 4-funds or even 2-funds?

I believe 3 funds offers a good mix of diversification and simplicity. The simplicity factor probably is what drives most investors to the 3 fund portfolio. I don't believe more funds can reasonably be expected to give better returns; so why not go with something simpler?
by JPH
Sat Jul 07, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5804

Re: How to tip

20% Pre-tax.
I always wonder how 20% of the cost was determined to be "fair." It really doesn't make sense when you compare across restaurant servers, barbers, tour guides, cab drivers, caddies (my first job), etc.
by JPH
Sat Jul 07, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: Capping Emergency Fund
Replies: 53
Views: 5016

Re: Capping Emergency Fund

I have a checking account, a savings account, a MM account, and quite a bit in short-term bonds. I would go through those in that order if I needed emergency cash. I don't really know what my "Emergency Fund" balance is at any given time. For most of my emergencies in the past, I have used a credit ...
by JPH
Sat Jul 07, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4867

Re: Which advanced tech is necessary in cars?

Jack FFR1846 wrote:
Sat Jul 07, 2018 8:22 am
Necessary? I'd say none of that. Those are all "wants".

My top safety picks:

Seat belts.
air bags.

/thread
Not duct tape? :D
by JPH
Thu Jul 05, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: AARP: 10 Commandments [of Money, by Allan Roth]
Replies: 19
Views: 2892

Re: Allan Roth's "Ten Commandments of Money"--general wisdom

The link was a little hard to find. Any way you could edit that?
by JPH
Tue Jul 03, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4184

Re: hybrid or plug-in electric car

The solar panels on your roof would be a key element. Most electricity is generated by burning coal, so even fully electric cars run on coal. I agree with the first sentence, the second one is out of date on a national basis. I think fossil fuel, not just coal, is the right term. https://www.eia.go...
by JPH
Tue Jul 03, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: What Are S&P 500 Index Options?
Replies: 22
Views: 1904

Re: What Are S&P 500 Index Options?

My understanding is that if you buy an S& P500 index fund you own a small share of the component companies. If you buy an oj futures contract you theoretically can own the product. But what tangible thing do you get with S&P 500 futures? Are you purchasing an actual option to own shares of the comp...
by JPH
Tue Jul 03, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: What Are S&P 500 Index Options?
Replies: 22
Views: 1904

Re: What Are S&P 500 Index Options?

This would be one of my last "options" to try and make money. I'm surprised it's even legal as it seems like a pure bet on almost nothing tangible. Futures are one of the oldest financial instruments in existence. Like a lot of derivative instruments, the 'book' explanation will likely focus on the...
by JPH
Sun Jul 01, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: What Are S&P 500 Index Options?
Replies: 22
Views: 1904

Re: What Are S&P 500 Index Options?

This would be one of my last "options" to try and make money. I'm surprised it's even legal as it seems like a pure bet on almost nothing tangible.
by JPH
Sun Jul 01, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: What Are S&P 500 Index Options?
Replies: 22
Views: 1904

Re: What Are S&P 500 Index Options?

Thank you for taking the time to write those excellent replies.
by JPH
Sun Jul 01, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: What Are S&P 500 Index Options?
Replies: 22
Views: 1904

Re: What Are S&P 500 Index Options?

alex From the link you posted: "the S&P 500 Index is a leading indicator of large-cap U.S. equities." How is it a leading indicator? I did not think there was a way to forecast the market in any meaningful way. If S&P 500 futures opens higher, do people believe that will be a good day to buy stocks?...
by JPH
Sun Jul 01, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: What Are S&P 500 Index Options?
Replies: 22
Views: 1904

What Are S&P 500 Index Options?

I've been Googling around trying to answer this question. On the business news they sometimes report the S&P 500 Futures has opened higher or lower. Sometimes I get the impression that they are using it to suggest the future direction of the market. But I see also that contracts can be traded like c...
by JPH
Sun Jul 01, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5936

Re: Do Advisers Add $$$ Value?

Rather than "do they add value?" perhaps the question should be "do they an anything of value?"
by JPH
Sat Jun 30, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4184

Re: hybrid or plug-in electric car

The solar panels on your roof would be a key element. Most electricity is generated by burning coal, so even fully electric cars run on coal.
by JPH
Tue Jun 26, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7588

Re: Family dynamics/in laws/am I being petty?

Jags4186 wrote:
Tue Jun 26, 2018 9:17 am
Now it’s not a lot of money, and it’s not IMO worth getting into an argument over (they may not even realize what’s happening) but it bothers me. My wife is on the same page as me. FWIW we are very generous to our niece and nephew, I just want that generosity to be on or terms.
They know.
by JPH
Sun Jun 24, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Best book to read before buying a house?
Replies: 6
Views: 650

Re: Best book to read before buying a house?

I don't know of a book. But you could watch The Money Pit.
by JPH
Fri Jun 22, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to Protect Assets Without a Prenup
Replies: 69
Views: 7013

Re: Ways to Protect Assets Without a Prenup

Isn't this exactly what a prenup is for? If you are trying to sneak something past her, I wouldn't.
by JPH
Fri Jun 22, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 21950

Re: Did you celebrate when you finally hit $1m?

I did not even notice it for quite some time. Did not celebrate. Maybe chuckled.
by JPH
Wed Jun 20, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1355

Re: Cataract surgery - one or two?

I would opt for two surgeries. If you had a serious complication on the first eye, then you might view the risk of doing the second one differently.
by JPH
Mon Jun 18, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Wills & Trust Lawyer
Replies: 8
Views: 1003

Re: Wills & Trust Lawyer

OP, I feel your pain. I'm going through the same process. I was advised to screen using the Martindale site https://www.martindale.com/ but I have not found it very easy to use. It links to the attorney's website but almost all attorneys in my area list trusts and estates as one of their practice ar...