Search found 1350 matches

by CFM300
Fri Sep 07, 2018 2:06 am
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Cars (CPO): Is this normal?
Replies: 30
Views: 2441

Re: Certified Pre-Owned Cars (CPO): Is this normal?

It doesn't seem right to me. Feels like false advertising. Different state probably have different laws about what "certified" means. In California, for instance, I think it only means that a dealer must perform a "complete" inspection and that the car must meet certain conditions, such as having a...
by CFM300
Thu Sep 06, 2018 2:40 am
Forum: Personal Consumer Issues
Topic: Buying car online?
Replies: 65
Views: 3651

Re: Buying car online?

i got headache from being at the dealership and going through all paperwork, all the while worried if i was being taken for a ride while asked to sign in several places with little time/energy to read what is stated there Ah yes, the same dealer that tried to change the price on me at the last minu...
by CFM300
Thu Sep 06, 2018 2:35 am
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5811

Re: Elderly (innocent) relative received this horrible email

I thought everyone knew to put tape over their webcams? I mean, if Zuckerberg and Comey do it, shouldn't we all?
by CFM300
Thu Aug 30, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Buying car online?
Replies: 65
Views: 3651

Re: Buying car online?

The only advice I have is that once you decide where you're going to buy the car based on their quote that you make sure the dealer understands that you're going to arrive with a check already made out for the exact amount agreed upon and that if the price goes up for any reason, there will be no de...
by CFM300
Wed Aug 22, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"
Replies: 31
Views: 2519

Re: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"

Artsdoctor wrote:
Wed Aug 22, 2018 6:04 pm
LOL! Yes. The law will decide for you.
And if you're content with what the law mandates, why do you need a will?
by CFM300
Tue Aug 21, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: All figured out
Replies: 20
Views: 2211

Re: Made a big mistake with HSA and looking to fully inform myself before my meeting with accountant.

Would it make sense to write a letter to the IRS and ask them what to do?
by CFM300
Tue Aug 21, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6050

Re: I saved $3,200 on a $23,500 car with minimal stress.

I pretty much did the same when buying a Nissan Frontier. When I drove the 100 miles to the dealer, he leveled me an additional $500 not mentioned in the phone. I would normally have just walked away in principle. However, even with paying that extra $500, it is still the best deal I got compared t...
by CFM300
Tue Aug 14, 2018 2:09 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1051
Views: 81984

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

HuckFinn wrote:
Tue Aug 14, 2018 1:15 am
$710,762.00 ahead because he chose to invest simply in the US and not add an International Fund.
He should have invested 100% his equity portion in QQQ (Nasdaq 100). Then he would have been more than $2.5 million ahead.
by CFM300
Thu Aug 09, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Root-friendly flagships equal to Galaxy S7
Replies: 13
Views: 1066

Re: Root-friendly flagships equal to Galaxy S7

Not sure why you want to root. Maybe one of these would do the trick? https://www.android.com/one/ I had a flagship Samsung for a while, but hated that the security updates were delayed and also that the carrier had loaded the phone with bloatware. Bought an Android One phone and it's been a joy. Go...
by CFM300
Thu Aug 09, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Junk Mail
Replies: 28
Views: 2674

Re: Junk Mail

Whats so hard about throwing the junk mail in the trash.? My mailbox is small and becomes full after just a few days because of all the junk I receive. I cannot increase the size of the box because it's part of a central cluster over which I have no control. Second, I receive a lot of advertisement...
by CFM300
Thu Jul 26, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1575

Re: Seeking advice about "defective" computer

Thanks for all of the helpful advice. I've added an update to the original post.
by CFM300
Fri Jul 20, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 35
Views: 4585

Re: Acceptable uses...New Financial Chromebook

FPS_dapdap wrote:
Thu Jul 19, 2018 8:09 am
Can a Chromebook run excel and word?
Microsoft has free versions of Excel, Word, PowerPoint, etc. that run in any browser.

https://products.office.com/en-us/offic ... ice-online
by CFM300
Mon Jul 16, 2018 12:25 am
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1575

Re: Seeking advice about "defective" computer

gostars wrote:
Mon Jul 16, 2018 12:21 am
Before replacing the motherboard...
Thanks for taking the time to document all of that for me. If I have to replace the motherboard, I'll follow your advice carefully.
by CFM300
Mon Jul 16, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 3978

Re: Did I get ripoff by this car mechanic?

Below are three links, one for each of the parts used in your repair. Each link shows the MSPR or list price for the part, which is identical to what your shop charged you. https://parts.sonshonda.com/products/Honda/CR-V/VALVE-ASSEMBLY--ROTARY/1482462/17120-PPA-A01.html http://hondapartsnetwork.com/...
by CFM300
Sun Jul 15, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1575

Re: Seeking advice about "defective" computer

I would get the motherboard replaced. Dell's replacement parts tend to be high-quality because they're not interested in eating the cost of shipping a new board and having their repair contractor go back a second time to replace the board again. Biggest caveat I ran into at my old job (where we had...
by CFM300
Sun Jul 15, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1575

Re: Seeking advice about "defective" computer

I'm mystified by "flea power", does this refer to the button cell?? From the Dell website: "Flea power is the residual static electricity that remains on the computer even after it has been powered off and the battery has been removed." I was told to unplug the power and then press and hold down th...
by CFM300
Sun Jul 15, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1575

Re: Seeking advice about "defective" computer

Thanks for all of the replies so far. Additional information that some posters requested:

It's an Optiplex with a three-year warranty with on-site service, purchased with AMEX. Not sure of the specifics of purchase protection with the credit card, but I'm sure there are some.
by CFM300
Sun Jul 15, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1575

Seeking advice about "defective" computer

UPDATE: This turned into a bit of saga, because Dell said that I was past the 30-day window for a new replacement based on the SHIPPING date of the computer. I countered that that was ridiculous, and that the 30-day clock should begin when it arrived, at the earliest. (I actually didn't boot the PC...
by CFM300
Fri Jul 06, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6686

Re: Older Women Lifting Weights

Your explanation of "volume" is helpful, but my engineering mind is going nuts trying to understand how this ever got confused with basic mechanical physics. It does not compute. Moving a force (weight, F = ma) over a distance is Work or Energy expended. See: Work = Energy Expended . Volume = a 3-d...
by CFM300
Thu Jul 05, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6686

Re: Older Women Lifting Weights

Not quite sure what "volume" is though.... Unfortunately, the term is used ambiguously by strength coaches. Suppose you perform 3 sets of 10 repetitions of an exercise using 150#. Some will say that the volume is the number of sets multiplied by the number of reps, so 30. Others will include the we...
by CFM300
Thu Jul 05, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6686

Re: Older Women Lifting Weights

Squats are really hard. Deadlifts are really hard. Walking lunges are really hard and they all should be. You feel like a truck ran over you the next day, but that is part of the process. THAT is a huge misconception. Many simple, effective progressions will not produce significant soreness. Many p...
by CFM300
Wed Jul 04, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8685

Re: Any Boglehead powerlifters?

Lifted my first barbell ever 9 months ago at age 35 when I joined a local CrossFit gym. I'm a skinny guy with no upper body strength (I'm really close to passing 100# on a clean and jerk), so has been a slow build up, but absolutely love it. Changed everything about my health: my back, knees, and h...
by CFM300
Wed Jul 04, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6686

Re: Older Women Lifting Weights

I have coached many women -- from high school girls to women in their 40's, 50's, 60's. Every single one of them performed squats, deadlifts, bench press, and overhead press. Those are all just stylized, scalable versions of natural human movements. Deadlifts are just picking something up off the gr...
by CFM300
Wed Jul 04, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8685

Re: Any Boglehead powerlifters?

In true Starting Strength fashion, I think the "three-lift portfolio" is the overhead press, squat, and deadlift. Starting Strength also includes the power clean and the bench press, so if we're going to pick just three exercises, I think there are lots of reasonable permutations. The three you've ...
by CFM300
Tue Jul 03, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8685

Re: Any Boglehead powerlifters?

In all seriousness, I can't stand Rippetoe's low-bar squat mechanics. Really? Switching to low-bar improved things considerably for me. I can do more weight, it feels better, etc. I realize that a lot of people like it and use it successfully. Not me. I no longer coach it either, except in limited ...
by CFM300
Tue Jul 03, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8685

Re: Any Boglehead powerlifters?

...I was struck by the parallels in philosophy and the sometimes militant adherence/advocacy between the 3-fund approach here and the Rippetoe/SS methodology... I think the true 3-fund approach would be Bill Starr's program from the Strongest Shall Survive : Squat, Power Clean, Bench. In all seriou...
by CFM300
Tue Jul 03, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8685

Re: Any Boglehead powerlifters?

What happens when you reach a maximum and you can no longer exceed that? Is that how you know your maximum fitness level? Then what. Now that I'm over 50, I've found that I have to train hard and strive for improvement just to maintain what I have. This applies not only to strength, but also endura...
by CFM300
Mon Jul 02, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8685

Re: Any Boglehead powerlifters?

I do the slow lifts (squat, deadlift, bench, press), but really enjoy the fast ones (snatch, clean & jerk). I also enjoy trail runs, sprints, and CrossFit-style metcons. Mid 50's.
by CFM300
Sat Jun 16, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation for free-lancers
Replies: 23
Views: 1984

Re: Taxation for free-lancers

would she not be personally liable for her own actions? Generally speaking, no, so long as the actions are within the scope of the business. I remain skeptical. Nolo.com, for instance, directly contradicts your assertion: "There is one extremely significant exception to the limited liability provid...
by CFM300
Sat Jun 16, 2018 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Taxation for free-lancers
Replies: 23
Views: 1984

Re: Taxation for free-lancers

Assume the contract is between C corp. and OP's Wife LLC. If wife inadvertently discloses Corp's confidential information (e.g. she casually mentions it to her husband since as we know these are the things couples chat about, and husband casually tells a friend since that's what friends talk about,...
by CFM300
Wed May 30, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2962

Re: Enterprise vs Avis

I use the cheapest national brand. Ditto. I just rented a car for a week. Avis was the cheapest until I rechecked prices one week before departure. Then I found that if I paid in advance, Hertz was cheaper by about $50. I find class of car to be more important than the company, as long as we're tal...
by CFM300
Tue May 08, 2018 1:45 am
Forum: Investing - Help with Personal Investments
Topic: No Admiral Shares in a Vanguard Individual 401(k)
Replies: 46
Views: 12551

Re: No Admiral Shares in a Vanguard Individual 401(k)

idoc5 wrote:
Mon May 07, 2018 11:09 pm
Is this still true? I am trying to decide where to open my Individual 401(k) and would like to open it at Vanguard (where my other accounts are). However, if you can't buy the Admiral shares then I would consider opening elsewhere.
Yes.
by CFM300
Sun May 06, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 17259

Re: Is Los Angeles a good place long term to live financially?

GrayS26 wrote:
Sat May 05, 2018 1:26 pm
Which part of LA should I live? West Hollywood? Beverly Hills? What else?
Nah, man. Stay along the coast. Santa Monica, Venice, Manhattan Beach, Hermosa Beach, or Redondo Beach.
by CFM300
Tue May 01, 2018 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 6309

Re: Moving to The Woodlands,TX

Mosquitoes, y'all. Lots of 'em.
by CFM300
Sun Apr 29, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Website Trouble??
Replies: 12
Views: 5761

Re: Vanguard Website Trouble??

I'm unable to successfully login to Vanguard using Chrome, unless I do so in an Incognito tab.
by CFM300
Tue Apr 24, 2018 2:58 am
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 46
Views: 4049

Re: Traveling to Asia-need advice

climber2020 wrote:
Mon Apr 23, 2018 6:16 am
Take some Cipro for whenever he inevitably gets travelers diarrhea.
I would avoid Cipro and everything in the fluoroquinolone family because of the connection to tendon ruptures.

Actually, it's good that this came up, because Cipro is given out like candy in many parts of Asia.
by CFM300
Mon Apr 23, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 46
Views: 4049

Re: Traveling to Asia-need advice

1. Be sure to visit rural areas as well as the major cities. 2. One could do worse that following advice found in Lonely Planets. 3. Learn how to say Hello, Please, and Thank you. Otherwise, don't worry about languages. 4. Use mosquito repellent. 5. Pack light. Half the items you think you'll need a...
by CFM300
Sat Apr 21, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Two Solo 401k Questions
Replies: 22
Views: 1785

Re: Two Solo 401k Questions

Shoot, is there any way to do it then? Also, here's an interesting question I just thought of - my personal savings are much greater than the amount that's going to be in the business at any point (and likely more than I will ever make doing this). Rather than insuring my LLC, should I actually be ...
by CFM300
Fri Apr 20, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Two Solo 401k Questions
Replies: 22
Views: 1785

Re: Two Solo 401k Questions

taxck33 wrote:
Fri Apr 20, 2018 5:28 pm
How do people with savings start single member businesses then? It feels incredibly risky.
Insurance, and doing as much as possible to mitigate risks and liabilities -- e.g., following best practices, having requisite training, certifications, etc.
by CFM300
Thu Apr 19, 2018 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 11441

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Just because you’re referred to an out of network imaging facility doesn’t mean you have to go there. There are days or weeks to figure that out before the test. I was suggesting the opposite: that the OP may have been referred to an in-network facility but that an out-of-network radiologist read t...
by CFM300
Thu Apr 19, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 11441

Re: Got hit with a $2800 Medical bill. Can I negotiate?

My patients who ask for a cost estimate, which in my experience is way less than 5%, and probably closer to 1-2%, get provided a pre-printed sheet with the CPT code(s) I’m submitting to insurance for pre-authorization, as well as the estimated length of the procedure. The sheet has phone numbers fo...
by CFM300
Thu Apr 19, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 11441

Re: Got hit with a $2800 Medical bill. Can I negotiate?

...most of what you mentioned had nothing to do with the OP’s situation—an outpatient workup with a few tests for which the price could have been easily obtained before the tests. Nothing to do with balance billing or “drive-by-doctoring” (whatever that is). With all due respect, you don't know tha...
by CFM300
Thu Apr 19, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 11441

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I do it all the time. I’m a surgeon. As a public service, can you explain how? I would sincerely appreciate it, because the times I've tried, I've had no luck. Specifically, I could not get the surgeon or the hospital to provide the complete set of codes. I was told each of the providers -- the fac...
by CFM300
Thu Apr 19, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 11441

Re: Got hit with a $2800 Medical bill. Can I negotiate?

You continue to miss the point that the patient can absolutely call their insurance company to get an amount they will be responsible for before any services are rendered. Seriously? Have you tried this with any major procedure, like a routine surgery? I have. It was impossible. Not to mention prob...
by CFM300
Thu Apr 19, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Two Solo 401k Questions
Replies: 22
Views: 1785

Re: Two Solo 401k Questions

This is the insurance I was thinking about getting: http://www.petsitllc.com/pet_business_insurance.phtml I don't know anything about that insurance company of course, but the policy limits look reasonable to me. Depending on your net worth, you might also want to add a personal umbrella policy. Th...
by CFM300
Thu Apr 19, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 17259

Re: Is Los Angeles a good place long term to live financially?

Glockenspiel wrote:
Thu Apr 19, 2018 8:35 am
at 967 sq foot house in my Midwest metro area (consistently rated as one of the top places to live in the U.S.), it wouldn't cost more than $150-$200k.
May I ask where that is?