Search found 797 matches

by JPH
Wed Nov 14, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7050

Re: Honda reliability slipping?

Bought my first Honda in March of this year - a 2018 CRV. Mostly it was because it was the car my wife wanted although I thought it would be a good choice due to Honda's reputation for quality. It may still turn out to be a good choice but I've had two things so far that have caused me to take it t...
by JPH
Tue Nov 13, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: How to get rid of palmettos [Palmetto bugs]
Replies: 14
Views: 1977

Re: How to get rid of palmettos

We had a lot of those when I lived in Galveston. I knew a redneck girl who stomped them with her bare feet.
by JPH
Tue Nov 13, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 36
Views: 1798

Re: Garmins & Fitbits: Worth it for non-athletes?

I use an inexpensive pendulum type pedometer. It is accurate. I wore it on a 2-mile course, and at the end it read 2.00 miles. I know that degree of accuracy is spurious, but no fit-bit could beat it either.
by JPH
Sat Nov 03, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 671
Views: 98264

Re: How widespread is the problem, really?

:thumbsup Couldn't agree more. I've taken my CRV into two different dealerships to have the oil inspected and changed. I specifically complained about the high oil level and gasoline smell in the oil. I expected them to document the high oil level reading on the dipstick and wanted that noted in th...
by JPH
Sat Oct 27, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Market Timing = Dumb. But What About Retirement Timing?
Replies: 15
Views: 2351

Re: Market Timing = Dumb. But What About Retirement Timing?

The only factor that you could base your decision on is the size of your portfolio at the moment that you retire. Having more will theoretically last longer. Retiring just at the start of a series of down years can be bad because you may be forced to withdraw a larger percentage of your savings duri...
by JPH
Thu Oct 25, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 61
Views: 3410

Re: "consultation fee": standard for preventative colonoscopy?

No in-person pre-screening required for me. However, I'd be pretty disappointed if I did the colonoscopy prep and then was refused the procedure for some undisclosed contraindication. I was refused an upper GI radiology exam one time after drinking the contrast medium because my insurance had not ye...
by JPH
Tue Oct 23, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7888

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

The standard deviations reveal that the effects on individuals varied enormously and suggest that the underlying distribution of net worth and net worth loss was not a normal, bell curved distribution (in which the median would equal the mean). To say that the mean decrease in net worth was $92,098...
by JPH
Mon Oct 22, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7888

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Don't be terrified. It's a very misleading headline and an only slightly less misleading study. JT It's the same study I posted about here , including a link to the original peer-reviewed article. The headline may be sensational, but why do you think the study is "misleading?" It seems like a prett...
by JPH
Mon Oct 22, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7888

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Don't be terrified. It's a very misleading headline and an only slightly less misleading study. JT It's the same study I posted about here , including a link to the original peer-reviewed article. The headline may be sensational, but why do you think the study is "misleading?" It seems like a prett...
by JPH
Thu Oct 18, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: End of Life Expenses
Replies: 6
Views: 1188

End of Life Expenses

A study was just published in the American Journal of Medicine ((2018)131:1187-1199) on the cost at 2 and 4 years after being newly diagnosed with cancer. They prospectively followed 9.5 million people. Results are very sobering. Don't underestimate healthcare costs in your retirement plan. Quoting ...
by JPH
Thu Oct 18, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: 2017-2018 Honda CRV and Civic recall notice
Replies: 4
Views: 764

Re: 2017-2018 Honda CRV and Civic recall notice

I received a notice about this from NTSB. I entered my VIN at their website, and my 2017 CR-V EX was not on the list.
by JPH
Wed Oct 10, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 671
Views: 98264

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

Honda called me yesterday and said they will have a software fix available my mid-November. It supposedly addresses cold weather and short trip problems. I disputed that theory as I live in South Texas and have watched the oil level increase all summer. The reply was that Honda engineers have deter...
by JPH
Wed Oct 10, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 671
Views: 98264

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

Honda called me yesterday and said they will have a software fix available my mid-November. It supposedly addresses cold weather and short trip problems. I disputed that theory as I live in South Texas and have watched the oil level increase all summer. The reply was that Honda engineers have deter...
by JPH
Wed Oct 10, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 671
Views: 98264

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

Honda called me yesterday and said they will have a software fix available my mid-November. It supposedly addresses cold weather and short trip problems. I disputed that theory as I live in South Texas and have watched the oil level increase all summer. The reply was that Honda engineers have determ...
by JPH
Sun Oct 07, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 671
Views: 98264

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

The story of fuel-oil dilution in Honda cars was covered on our local TV news station this morning.
by JPH
Sun Oct 07, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 4965

Re: You know your a Boglehead when. . .

Good for you. Forge ahead.
by JPH
Tue Oct 02, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: Best Vanguard ETF Diversifiers, Ranked
Replies: 46
Views: 4746

Re: Best Vanguard ETF Diversifiers, Ranked

This is interesting. It raises this question in my mind. How many components/factors are there in the universe of Vanguard funds? Did you consider permitting the factors to be correlated, as they are in reality, and not restricting how many funds load on each factor? I estimate that among all the V...
by JPH
Mon Oct 01, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: New Homeowners - Paint first or fix hard wood floors first?
Replies: 15
Views: 1273

Re: New Homeowners - Paint first or fix hard wood floors first?

As the title says. We just bought a home and are looking to fix up some of the stuff to our liking. Now we going to paint all the rooms and fix the hardwood floors. The question is what do we start off with first? Floors or painting? Do you have baseboard trim? you can do a nicer / easier job on th...
by JPH
Mon Oct 01, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: Best Vanguard ETF Diversifiers, Ranked
Replies: 46
Views: 4746

Re: Best Vanguard ETF Diversifiers, Ranked

This is interesting. It raises this question in my mind. How many components/factors are there in the universe of Vanguard funds? Did you consider permitting the factors to be correlated, as they are in reality, and not restricting how many funds load on each factor?
by JPH
Mon Oct 01, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4689

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

I have not received even a single message from them regarding this issue. If not for this forum I would not even know they were in the process of "upgrading."
by JPH
Wed Sep 26, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3439

Re: When do you need a hearing aid

I wouldn't rush to get one. It's sort of like eyeglasses; you know you need them when life begins to get a bit difficult. It depends on your situation too. Before I got my hearing aides, I could not understand small children, but I was never around small children so it was not a big problem. I think...
by JPH
Wed Sep 19, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3521

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: 671
Views: 98264

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: 2683

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: 671
Views: 98264

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: 671
Views: 98264

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: 671
Views: 98264

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: 671
Views: 98264

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: 671
Views: 98264

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: 671
Views: 98264

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: 7379

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: 1803

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: 2884

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: 1102

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: 1297

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: 3830

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: 3830

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: 5063

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: 2230

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: 2230

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: 3094

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: 1265

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: 2003

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: 3955

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: 5120

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: 2904

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: 7529

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: 654

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: 1017

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: 3710

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

At 5:44 is that Warren Buffett enjoying himself at the Bogleheads conference?