Search found 1153 matches

by htdrag11
Fri Sep 13, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: The Best Financial Advice I Ever Got
Replies: 8
Views: 3213

The Best Financial Advice I Ever Got

In case you miss this WSJ article that also mention Rick Ferri about "Don’t trust people who ask for money upfront". Enjoy. Personally I like the first one since we did live on one income and still able to save, kind of like Living Below Our Means. https://www.wsj.com/articles/the-best-financial-adv...
by htdrag11
Mon Sep 02, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback issue
Replies: 38
Views: 3897

Re: Subaru Outback issue

BIL bought a WRX turbo 2013(?). It lasted about 70k miles and the dealer replaced the CVT. At 200k miles, it was junked (too much fun with turbo). He advised me to stay away from CVT. Through out the ownership, oil was over consumed. My 2018 Outback with CVT was leased. With 19k miles, the eventful ...
by htdrag11
Mon Aug 12, 2019 12:02 pm
Forum: Non-US Investing
Topic: Personal Investment Policy Statement - please review
Replies: 12
Views: 927

Re: Personal Investment Policy Statement - please review

No red flags. Just 2 comments about re-balancing and monitoring frequency. :happy
by htdrag11
Tue Jul 09, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Job Search (Attorneys)
Replies: 12
Views: 1526

Re: Advice for Job Search (Attorneys)

My volunteering work is in helping folks in transition, especially the 45+ but occasionally we do have newly graduated college kids showing up. Anyway, recently an attorney in corporate litigation was let go by his firm since he was not a partner, being the oldest and also was the highest paid. He h...
by htdrag11
Sat Jun 08, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3394

Re: Refrigerator Advice

Broken link on Fortune. MIL's 20 plus year GE fridge's ice was not defrosting. She would like to have a new one. Short story, replaced the defrost heater assembly (plug-and-play) using cheap parts for $25, by following instructions on YouTube. https://www.amazon.com/gp/product/B00BGY4A6Y/ref=ppx_yo_...
by htdrag11
Fri Mar 29, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1498
Views: 157024

Re: [What TV Show Have You Recently Watched?]

Secret City from Aussie on Netflix. Season 1 and 2 each has 6 episodes. If you enjoy BBC's The Hour, it's similar about a country caught between us and Russia vs. China. Language is colorful.

https://www.imdb.com/title/tt4976512/
by htdrag11
Wed Mar 27, 2019 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: My wife's 2016 Mazda CX-5 lease is up. Now what?
Replies: 37
Views: 2991

Re: My wife's 2016 Mazda CX-5 lease is up. Now what?

As a Mazda owner of 6 vehicles (including the first year anemic CX-5), forget about the Toyota. The 2019 CX-5 Grand Touring starts around $30k; heated and ventilated seats, as well as Android Auto and Apple CarPlay will be at $32k. AWD would be more. We Bogleheads are different from the crowd, why s...
by htdrag11
Wed Mar 20, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 6716

Re: A 23% increase from ATT Wireless

There's something missing here. It almost sounds like your plan changed, but the Mobile Share Value plans haven't been available for a long time (those already on them can keep them), and since the data is capped, HD streaming is included (it costs extra on unlimited plans). I've been on the same M...
by htdrag11
Wed Mar 20, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 6716

Re: A 23% increase from ATT Wireless

All 3 Android phones are unlocked.
by htdrag11
Wed Mar 20, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 6716

A 23% increase from ATT Wireless

We have 3 lines with 10GB data and all our phones were bought. Got a nasty surprise today that out bill will increase by 23% next month due to "Mobile Share Value" for streaming HD video, so we have a little time to shop. The obvious one would be T-Mobile since both carrier use GSM. T-M is running a...
by htdrag11
Thu Mar 07, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL
Replies: 69
Views: 6087

Re: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL

dustinst22 wrote:
Wed Mar 06, 2019 8:10 pm


Yes, the new Rav4 hybrid in particular looks solid. Apparently 39 MPG.
The RAV4 and Forester both used CVT, as well as Honda and Nissan, but not the Mazda.
by htdrag11
Tue Mar 05, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL
Replies: 69
Views: 6087

Re: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL

I'm onto my 6th Mazda (the 5th was totalled): 626 GLC 3 CX-5 2.0 Mazda3 2.0 Mazda3 2.5 I also had 3 Honda/Acura Accord Integra Legend Mazda is for drivers while Honda/Acura are boring (except my 5-speed Integra 1990) but more durable. I test drove both the 2017 CR-V, as well as the 2018 Civic Hatchb...
by htdrag11
Fri Mar 01, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 33
Views: 14667

Re: What is a lemon? 2018 Outback Infotainment issues

Do all 2018 Subaru Outbacks have this problem, or is it a quality control issue? I've been considering a Forester for my next car, and this has me a bit concerned. Bought my 2018 Outback Touring in October of 2017 and have had minimal problems with the infotainment system. I do think the Android Au...
by htdrag11
Thu Feb 28, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1498
Views: 157024

Re: [What TV Show Have You Recently Watched?]

Finished 2 series in 2 weeks. Korean drama Stranger/Secrets of Forest by Bae Doona is an intelligent and fast paced crime/corruption series featuring a prosecutor and a female cop in a male dominant profession. It's one of the best I've seen in this genre. Season 2 starts later in the year. https://...
by htdrag11
Thu Feb 28, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: When were you convinced that you had more than enough money?
Replies: 117
Views: 12156

Re: When were you convinced that you had more than enough money?

When we got through the first year of retirement and our checking account balance was about the same at the end of the year as it had been at the beginning of the year. That worked for us, as well as confirmation from using the tool Firecalc. We still live below our means, out of habits. Both of us...
by htdrag11
Sun Feb 24, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4751
Views: 1228799

Re: What Movie Have You Recently Watched?

The Favourite - 6/10. Due to use of candlelights, a "dark" movie was made even darker. I don't care for the fishbowl effect inside the palace. Afterall, we're all voyeurs already. I enjoyed Olivia Colman from Broadchurch (another dark series), besides Emma Stone who always amazes me with her charact...
by htdrag11
Wed Feb 13, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Cord Cutting- Hulu Live TV Review and Questions
Replies: 40
Views: 3172

Re: Cord Cutting- Hulu Live TV Review and Questions

hoops777 wrote:
Wed Feb 13, 2019 5:36 pm
If I remember YTTV does not allow you to ff thru commercials
Yes. It's one of those things that bugged me too. When I watch recorded stuff, I usually use my Chromebook, except for sports.
by htdrag11
Wed Feb 13, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Cord Cutting- Hulu Live TV Review and Questions
Replies: 40
Views: 3172

Re: Cord Cutting- Hulu Live TV Review and Questions

I tried Hulu but decided to stay with YTTV. Like you sports, live or otherwise are my main events. In the NYC area, I found the NFC games generally are sharper than the AFC games; ESPN is so so in quality. There was no buffering during Super Bowl. Among the sports I watched are NFL, NBA and tennis. ...
by htdrag11
Tue Feb 12, 2019 10:25 am
Forum: Investing - Theory, News & General
Topic: "Don’t Compare Your Investment Returns With Others (Especially On The Internet)"
Replies: 34
Views: 3889

Re: "Don’t Compare Your Investment Returns With Others (Especially On The Internet)"

To compare is human but it will only bring unhappiness. So why suffer?
Don't worry, be happy with what you have. Stay the course. :sharebeer
by htdrag11
Sun Feb 10, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1498
Views: 157024

Re: [What TV Show Have You Recently Watched?]

I am in the middle of True Detective, Season 3. It is much better than 2 and is similar in style to 1 with excellent choice of the 3 lead actors. Concurrently, I finished Season 1 of the Netflix Korean Kingdom with 6 episodes, each about 45 minutes long. If you enjoy zombies (set in the 15th century...
by htdrag11
Sun Feb 10, 2019 6:51 pm
Forum: Personal Investments
Topic: Leaving Advisor - Ethics Question? [Resolved]
Replies: 50
Views: 3066

Re: Leaving Advisor - Ethics Question?

That is not the path I would have chosen. About 3 years ago, I left my advisor who managed my account for about 10 years. We left on good term. His fee was under 1% AUM. I did arrange a face-to-face meeting and told the advisor that I was retiring, so I took over the account myself. At the time I al...
by htdrag11
Thu Feb 07, 2019 6:22 pm
Forum: Investing - Theory, News & General
Topic: The Little Pension That Dumped Dalio
Replies: 14
Views: 2774

Re: The Little Pension That Dumped Dalio

Yes. Guess they did not learn their lesson after all.
by htdrag11
Tue Feb 05, 2019 8:52 am
Forum: Investing - Theory, News & General
Topic: The Little Pension That Dumped Dalio
Replies: 14
Views: 2774

Re: The Little Pension That Dumped Dalio

They should have dumped the other fund to, passively managed but at what cost? Most funds are priced cheaper than 3.6%+. I was surprised that the San Joaquin Pension Fund did not go all the way and get out of Bridgewater. There is no lessons learned here. Guess most pension fund managers get wined ...
by htdrag11
Mon Feb 04, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2880

Re: eBay Item NOt Received - but DELIVERED

Based on El Greco's experience and yours, Amazon is the better option. In my case, the product is sold in both sites but eBay was about 7% cheaper, plus there is no (6.625%) sales tax. In hindsight, it's not worth the risk. The shipping duration was 2 vs. 3 days.
by htdrag11
Mon Feb 04, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help for friend who makes lots of mistakes.
Replies: 27
Views: 2899

Re: Help for friend who makes lots of mistakes.

barnaclebob wrote:
Mon Feb 04, 2019 1:26 pm
You cant help those who wont help themselves.

But tell her to go to fidelity. They have neighborhood offices and might put her in index funds.
Yep. You can bring the horse to the water...for sure. :oops:

It's her moneys. Been there. Done that. It's her path. You did your part. :sharebeer
by htdrag11
Mon Feb 04, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2880

Re: eBay Item NOt Received - but DELIVERED

I think more often than not eBay will side with the buyer in this situation. So much so that this has created a problem with dishonest "item not received" claims, where even the USPS proof of delivery is not sufficient evidence for eBay to side with the seller. Thankfully I never had this issue, bu...
by htdrag11
Sun Feb 03, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2880

Re: eBay Item NOt Received - but DELIVERED

Thanks. That is good to know.
As I said, it's not easy for the sellers on eBay these days, unless you are one of the Power Sellers.
by htdrag11
Sat Feb 02, 2019 8:33 pm
Forum: Investing - Theory, News & General
Topic: The Little Pension That Dumped Dalio
Replies: 14
Views: 2774

The Little Pension That Dumped Dalio

The title says it all. A tiny pension fund decided that the fees were too high (3.69% annually) while returns were too low over a 5-year period, so they moved the moneys to a lower fee fund which is a passively managed within Bridgewater. https://www.bloomberg.com/news/articles/2019-01-24/dalio-fund...
by htdrag11
Sat Feb 02, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2880

Re: eBay Item NOt Received - but DELIVERED

This happens with virtually every package we order from Amazon, I can all but guarantee it is your local post office. Most of our Prime packages arrive in 4-7 days, but they are usually marked as delivered within the 2 days by USPS. Our local post office pulls all kinds of tricks, including last ye...
by htdrag11
Sat Feb 02, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2880

Re: eBay Item NOt Received - but DELIVERED

Report all delivery issues via the USPS website. Official complaints get logged and analyzed by management. I now have the Postmaster's manager's phone number and email. They pulled a "cannot deliver, unsafe, no one home" game once, I called her, said I am in my home office looking at my mailbox. C...
by htdrag11
Sat Feb 02, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2880

Re: eBay Item NOt Received - but DELIVERED

I recently signed up for Amazon Prime. For my first free 2 day delivery I ordered an Amazon Firestick. It was marked as delivered at 6:30 pm. I went to collect my mail at 7:00 PM and I had mail but no fire stick. I checked and the order was supposed to have been fulfilled by USPS and I went to trac...
by htdrag11
Fri Feb 01, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2880

Re: eBay Item NOt Received - but DELIVERED

This isn't abnormal. USPS used to be fairly dependable, now it's hit or miss. We had the same mailman for 25 years, now it's a different person every time I see them and they all remind me of Newman on Seinfeld. Ours retired 2 years ago. The new generation, at least our postman, did not live up to ...
by htdrag11
Fri Feb 01, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2880

Re: eBay Item NOt Received - but DELIVERED

The seller replied promptly and asked whether my address was correct (it was) and whether I've a video cam to support my cause (No). In my neighborhood, porch pirate had not happened since I moved here almost 30 years ago but does not mean it can't. The house does have alarm. People in the home repa...
by htdrag11
Fri Feb 01, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2880

eBay Item NOt Received - but DELIVERED

This is a variation of an earlier topic https://www.bogleheads.org/forum/viewtopic.php?t=264870 but with a slight twist. Per eBay, USPS "actually" delivered my package today but I did not get it; neither was my neighbor. I emailed the seller earlier to start a record trail. The seller already provid...
by htdrag11
Sun Jan 20, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Negotiating for CPO Toyota or Honda
Replies: 24
Views: 2825

Re: Negotiating for CPO Toyota or Honda

I used Carvana to benchmark my recent purchase of a 2017 Mazda3. Ended up buying one from a Mazda dealer with lower mileage. Here is a sample of 2017 Honda CRV's. https://www.carvana.com/cars/honda-cr-v/2017?cvnaid=eyJmaWx0ZXJzIjp7InRleHRTZWFyY2hJbnB1dHMiOlsiMjAxNyBjcnYiXX0sImZpbHRlclNvdXJjZSI6MTF9 ...
by htdrag11
Sun Jan 20, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Negotiating for CPO Toyota or Honda
Replies: 24
Views: 2825

Re: Negotiating for CPO Toyota or Honda

I used Carvana to benchmark my recent purchase of a 2017 Mazda3. Ended up buying one from a Mazda dealer with lower mileage. Here is a sample of 2017 Honda CRV's. https://www.carvana.com/cars/honda-cr-v/2017?cvnaid=eyJmaWx0ZXJzIjp7InRleHRTZWFyY2hJbnB1dHMiOlsiMjAxNyBjcnYiXX0sImZpbHRlclNvdXJjZSI6MTF9 ...
by htdrag11
Sun Jan 20, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Stressless Recliners
Replies: 40
Views: 23864

Re: Stressless Recliners

We have 2 Stressless recliners, made in Norway. I bought them about 20 years ago on a whim having never heard of the brand before. We love 'em, they've worn well and are still very comfortable. One is in the FR while mine is in my LR. Both are used on a daily basis. They are still in great conditio...
by htdrag11
Fri Jan 18, 2019 4:59 pm
Forum: Personal Investments
Topic: Should I dump our wealth planner/financial advisor?
Replies: 49
Views: 5930

Re: Should I dump our wealth planner/financial advisor?

OP, I've been down your road before. Our portfolio was much smaller than yours 25 years ago. DW still have a FP from TD managing them for about .75% AUM (negotiated) while I took over full control about 3 years ago. Money is very personal. My portfolio is about 70% of our networth, so I can deal wit...
by htdrag11
Thu Dec 27, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 3189

Re: Dental implants - fair price for teeth 23 to 26?

Currently doing one, 5k out of pocket for 1 tooth. I have dental insurance but it clearly sucks. I've similar experience in a high cost coastal area. My dental insurance, before (group) and after (individual) Medicare, are the same, sucks. Cost about $4,500 including the periodontal and dentist fee...
by htdrag11
Sat Dec 22, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 21567

Re: Favorite Purchase of 2018?

Bought an almost new LL Bean Primaloft 850 packable jacket for $35. Could have paid for a new one for over $100 (50% off coupon) but why? :mrgreen:
by htdrag11
Sat Dec 15, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 6260

Re: [Anyone drop cable for YouTube TV?]

I dropped cable TV when they raised my price again in August, so I switched to YTTV for $40/month flat (no other fees). Having access to Amazon Prime, Hulu and Netflix, I would never go back to Optimum who kept offering me $99/month for one year ($30 less than my last bill). My cable plus YTTV is $1...
by htdrag11
Sat Dec 08, 2018 9:18 pm
Forum: Personal Investments
Topic: Stressed/Job loss/Retirement possible?
Replies: 34
Views: 4347

Re: Stressed/Job loss/Retirement possible?

Good news: you both have a much larger portfolio than us when we were at your age. Give yourself a pat on the back. Bad news: My volunteering work involves in helping folks in transition. For the 45+, it's much tougher to find decent paying jobs but in your case, you do not need to match or come clo...
by htdrag11
Fri Dec 07, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 23850

Re: What are your property taxes?

Connecticut: $7,800 Property Tax - Value approx $350k. ... leaving CT ... - was it something we taxed? Lets remember that states with high per capita income (NJ, MA, CT, etc), pay out high salaries to public employees and provide very lucrative pensions and benefits. Average teachers salary in CT i...
by htdrag11
Fri Nov 30, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4751
Views: 1228799

Re: What Movie Have You Recently Watched?

Mission Impossible: Fallout. It's kind of a sequel to Rogue Nation where Tom Cruise is once again on steroid. It was totally over the top non-stop action. Sounded familiar? It is very entertaining for the family if you like action movies. Ethan Hunt is a franchise. Not sure if he'll do another one. ...
by htdrag11
Fri Nov 30, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 40
Views: 4734

Re: Finally cutting cable -- is 40mbps enough for streaming services?

Well, this never happened with my cable TV bills in the past, not even with the Sandy storm. Due to outage, my YTTV bill was dropped to $30.67 from $40 for their problems. Cable would just blow me.
That is what I considered as customer focus/service.
by htdrag11
Thu Nov 29, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 40
Views: 4734

Re: Finally cutting cable -- is 40mbps enough for streaming services?

Yes. I sometimes stream 3 NFL games (YTTV limit) concurrently. Cable is slightly better in terms of quality but most people do not watch it on a 10' screen which shows up some kind of mosquito noises. On my 52" plasma, picture is fine. Neither was not choppy.
by htdrag11
Thu Nov 29, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 40
Views: 4734

Re: Finally cutting cable -- is 40mbps enough for streaming services?

We've no usage cap either.
I forgot to mention one key factor. Need to turn off my VPN and streaming is fine. Speed drops from 100mbps to about 30 with it on.
by htdrag11
Wed Nov 28, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 40
Views: 4734

Re: Finally cutting cable -- is 40mbps enough for streaming services?

We have a single 4k TV, and the usual number of laptops and other electronics. We have Amazon and Netflix, and pay for the 4k option for Netflix (it comes for free with Amazon). We also have a TV antenna, and watch some TV over the air. We watch 1-3 hours of TV per day, mostly streaming. I looked b...
by htdrag11
Wed Nov 28, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 40
Views: 4734

Re: Finally cutting cable -- is 40mbps enough for streaming services?

Well, Optimum raised my internet only package by $4.95 since I dropped the TV package, so it's back up to $64.95. They also added another $4.95 to my 200mbps service, so I called to drop it back to 100mbps. I owned my modem, so there is no $10/month fee. I'll find out how my NFL streaming would work...