Search found 878 matches

by TheOscarGuy
Tue Aug 20, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Replacing brake pads in a Honda CRV 125,000 miles
Replies: 34
Views: 2146

Re: Replacing brake pads in a Honda CRV 125,000 miles

You said just oil changes for past 5 years, so no timing belt/water pump service? I think its due for Pilot at roughly 10 yr/100K miles, I imagine somewhere close for CRV as well? Also spark plugs? And have you never changed transmission oil, AWD if its AWD? 2008 CR-V has a timing chain. Thanks, ju...
by TheOscarGuy
Tue Aug 20, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Replacing brake pads in a Honda CRV 125,000 miles
Replies: 34
Views: 2146

Re: Replacing brake pads in a Honda CRV 125,000 miles

My questions: 1. Should I just use the dealer since they will most likely use OEM parts? I am also thinking of using the dealer to undertake a complete checkup of the vehicle and get other issues, if any identified, during the course fixed (of course they will be expensive). Haven't had anything ot...
by TheOscarGuy
Fri Aug 16, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Request help with Orbi router setup
Replies: 13
Views: 1015

Re: Request help with Orbi router setup

Yesterday evening I was in Costco planning to get TP-Link Deco M9 router but there were none. There was, however an Orbi router with one satellite that jumped in my basket and refused to leave. I decided to adopt it. When I got home I set it up with the Orbi app with no problems...it was an amazing...
by TheOscarGuy
Thu Aug 15, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Request help with Orbi router setup
Replies: 13
Views: 1015

Re: Request help with Orbi router setup

Yesterday evening I was in Costco planning to get TP-Link Deco M9 router but there were none. There was, however an Orbi router with one satellite that jumped in my basket and refused to leave. I decided to adopt it. When I got home I set it up with the Orbi app with no problems...it was an amazing...
by TheOscarGuy
Thu Aug 15, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 5220

Re: Do you "lock" computers in your home?

I know that it is unlikely that someone will break in and steal my 2 laptops (1 Chromebook, 1 Windows). However, I wonder how bad the effects would/could be if they do. I don't lock them because I jump on and off of them at least 20 times a day and it is a hassle to unlock them. I have Quicken (wit...
by TheOscarGuy
Thu Aug 15, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5443

Re: "Negotiating" Salary

I'm asking for my nephew who is interviewing for a job...in short, what would be a wise, professional response to a situation where a prospective employer asks him what he "needs/wants" in compensation before they indicate what they are able/willing to pay? My nephew has a dollar figure in mind bas...
by TheOscarGuy
Mon Aug 12, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing about HELOCs?
Replies: 31
Views: 2720

Re: What am I missing about HELOCs?

I occasionally read posts where folks have an open HELOC for large purchases that come up from time to time. But when I look up HELOC rates they are around 5%-7%, much higher than my mortgage or a 0% credit card. So what am I missing? Me neither. For home upgrades, although I wouldn't do it, I unde...
by TheOscarGuy
Fri Aug 09, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Securing a smartphone for a child
Replies: 16
Views: 712

Re: Securing a smartphone for a child

What methods do you use to secure a phone for a child? My brother-in-law is a little lax with both of my nieces' (8 and 10 years old) cellphone and I'm hoping to secure them a bit. Both of them have Android, but might be open to iPhone if there is increased security. After seeing a very adult sugge...
by TheOscarGuy
Thu Aug 08, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Best online retailer other than Amazon
Replies: 36
Views: 2055

Re: Best online retailer other than Amazon

I like Amazon but just read over the thread about Amazon having higher prices. I want to experiment with one other online retailer and get used to their interface and business practices. I don't want to try a bunch all at once. It would be too complicated. Which one would you suggest, and why? I sp...
by TheOscarGuy
Thu Aug 08, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 102
Views: 9954

Re: Amazon -- no longer the lowest prices, evidently

Hi Bogleheads - The other day I was at Costco and checked the price on San Francisco Bay coffee k-cups. They had the SFB French Roast variety for $29.99 (100-count). Later that day I checked the price on Amazon. It was $44.28. Yikes! Amazon is 48% higher than Costco on this item! :shock: I realize ...
by TheOscarGuy
Wed Aug 07, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: "Missing" money from Ally. Transfer completed but account balance not updated..
Replies: 16
Views: 946

Re: "Missing" money from Ally. Transfer completed but account balance not updated..

I opened a no penalty CD last week, and funded with two sources. One was an existing Ally savings account, and the other was from Chase, split almost 50/50. They withdrew on 8/2 and the transfer was scheduled to be completed 8/6. I check all day on 8/6 and nothing. 2am on 8/7 (I'm on the west coast...
by TheOscarGuy
Mon Aug 05, 2019 6:36 am
Forum: Forum Issues and Administration
Topic: What [do the abbreviations used here] mean...???
Replies: 19
Views: 2369

Re: What does it all mean...???

I spoke to DW (formerly SO) re, SWR. She likes 4%. I, OTOH, prefer VPW. Also debated the merits of going VT vs. VTI/VXUS but could not agree. IDK, maybe we’ll go with TD or LS instead. Gotta run. Visiting MIL in a bit. :D I love all these posts where OP doesn't contribute anything past the first po...
by TheOscarGuy
Mon Aug 05, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Are we considered House poor?
Replies: 21
Views: 3432

Re: Are we considered House poor?

We purchased our home when our income/jobs were different. Currently we spend about 26% of our Gross family income for our mortgage, utilities and property/school taxes. I know this can’t be a good percentage but is it acceptable, or how far off are we? I would say that is high, even adding utiliti...
by TheOscarGuy
Thu Aug 01, 2019 4:48 am
Forum: Personal Consumer Issues
Topic: Car Repair Question
Replies: 29
Views: 2132

Re: Car Repair Question

Hi all, I have a '13 Toyota Prius. I purchased this in May of 2017 as a Toyota Certified vehicle. In the 2 years I owned the car, it's been fairly good to us - with just the usual maintenance items. Since July of 2019 (earlier this month), we've had AC issues (intermittent). Turns out that the AC C...
by TheOscarGuy
Mon Jul 29, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7127

Re: Do you buy the highest trim car ?

adimoron wrote:
Mon Jul 29, 2019 8:31 am
1. Buying higher trim cars
2. Katzkin leather installs.
1. Yes.
2. No.

Just buy what you want, within your budget. I would never install anything after market that I can get from manufacturer. GPS is an exception (google maps).
by TheOscarGuy
Fri Jul 26, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: WiFi speed, is this normal?
Replies: 36
Views: 2725

Re: WiFi speed, is this normal?

I never felt I had a speed issue to speak of. No gamers here, no multiple streaming online content etc. The other night I noticed some intermittent buffering of a movie, so I thought I would do a little checking. I have a cable Internet connection, rated supposedly at 100 Mbps. An Arris CM820A cabl...
by TheOscarGuy
Wed Jul 24, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: What companies provide the best customer service
Replies: 58
Views: 3707

Re: What companies provide the best customer service

I know there is a long thread about favorite consumer products. However, I can’t find one on companies that routinely provide quality customer service. I try to steer myself towards such companies for obvious reasons - for my own benefit and to reward the “better” company. For me, Amazon and Apple ...
by TheOscarGuy
Mon Jul 22, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: 2012 Infinity G37 Sedan maintenance costs
Replies: 24
Views: 2114

Re: 2012 Infinity G37 Sedan maintenance costs

From reading these posts about Infiniti G37, it sounds like a boglehead car! Agreed! Very affordable to buy used, very enjoyable to drive... You'll never get 30 MPG on the highway, but you have to live a little, every now and then! :sharebeer Always loved the old Altimas before they moved to CVT. I...
by TheOscarGuy
Sun Jul 21, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: 2019 Jeep Wrangler Purchase: Am I being stupid?
Replies: 18
Views: 2446

Re: 2019 Jeep Wrangler Purchase: Am I being stupid?

Questions: 1. Am I being a moron by purchasing a new car in the first place? No. I buy new cars as opposed to older cars. 2. Any pitfalls to using a bank / car loan for 5 days? Early payment penalty? If you have bought gap insurance, I don't know if it has any impact on paying off early i.e. do you...
by TheOscarGuy
Sun Jul 21, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 8161

Re: Do you buy cellphone outright or pay over 2 years?

Since phones can now be financed at 0% (the full price is spread over 24 equal payments), I'm wondering how Bhs approach this. Assuming that paying the full price of a $700-$900 iPhone in not a financial hardship, for example, do you just buy it and have a monthly bill that's $27-$32 less per month...
by TheOscarGuy
Sun Jul 21, 2019 6:09 am
Forum: Personal Consumer Issues
Topic: 2012 Infinity G37 Sedan maintenance costs
Replies: 24
Views: 2114

Re: 2012 Infinity G37 Sedan maintenance costs

From reading these posts about Infiniti G37, it sounds like a boglehead car!
by TheOscarGuy
Fri Jul 19, 2019 7:08 am
Forum: Personal Consumer Issues
Topic: Looking for new laptop
Replies: 26
Views: 2264

Re: Looking for new laptop

A friend is looking for a new laptop and I offered to help, but I too quickly got in trouble. Friend was looking at Dell 13" 5000, but price and performance comparison is almost impossible as the same brand and model at different stores are not identical. We found several differences in the same mo...
by TheOscarGuy
Thu Jul 18, 2019 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 222
Views: 14726

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

Obviously HCOL areas provide higher incomes, but do they also provide higher net worths and more wealth building potential or is it essentially equal to LCOL areas in terms of net worth and wealth building due to the lower expenses in LCOL areas? I am trying to determine if I could be achieving mor...
by TheOscarGuy
Thu Jul 18, 2019 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Post Daycare Finances
Replies: 25
Views: 2456

Re: Post Daycare Finances

ddurrett896 wrote:
Thu Jul 18, 2019 6:18 am
986racer wrote:
Thu Jul 18, 2019 4:45 am
Activities (dance, soccer, gymnastics, football, baseball,?etc)
+ Broken bones
parents'? :P
For us, after school care, activities, more 'things' that they need that they didn't when they were younger..
by TheOscarGuy
Tue Jul 16, 2019 6:22 am
Forum: Personal Investments
Topic: Should I start indexing NOW in current Market?
Replies: 33
Views: 4535

Re: Should I start indexing NOW in current Market?

Hi all, After reading a few investment books I started investing a few years ago in the target date index fund with vanguard. I took out the money because something came up and I’m ready to start investing again. I was going to buy the total stock fund VTSAX. My question is, I know the market is cu...
by TheOscarGuy
Tue Jul 16, 2019 6:18 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 4241

Re: New Subaru Outback Engine Offering for 2020

One thing that will never change with a subaru...an engine that leaks and head gaskets that need replaced. We're trying to squeeze another year or two out of our forester before we get rid of it. Except it has changed, almost a full decade ago. It got somewhat better after 2007, and the 2011 Imprez...
by TheOscarGuy
Mon Jul 15, 2019 6:17 am
Forum: Personal Consumer Issues
Topic: Can the dealer be trusted?
Replies: 17
Views: 1988

Re: Can the dealer be trusted?

Hopefully not a rhetorical question* (albeit a naive one): should the dealer one purchases a car be trusted doing the PPI (pre purchase inspection)? Have a great mechanic who specializes in only 4 brands: Acura/Honda & Audi/VW. When I asked him about a PPI on a Mazda, in essence said "don't know th...
by TheOscarGuy
Sun Jul 14, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: PSA: Audible subscription 66% discount for Prime Day
Replies: 5
Views: 870

Re: PSA: Audible subscription 66% discount for Prime Day

The "catch" is that price ($4.95/mo) is only good for 3 months; full price after that. While you can get a 1 month free trial any time, I never felt that 1 month was necessarily enough time to decide whether to keep the subscription, and it will take some time to get used to books only in audio for...
by TheOscarGuy
Sun Jul 14, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 5413

Re: Anyone buy the Nissan Rogue over the Honda CRV???

The Honda CRV has been beat up often on this forum. I currently have a 2013 Honda Accord with the 2.4L engine. The car is running great, but I do covet getting a car with all the driver assist safety features. The location of the Honda dealership is great since I can get there in 10 minutes even wi...
by TheOscarGuy
Wed Jul 10, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: Wize Cam reviews
Replies: 23
Views: 1727

Re: Wize Cam reviews

Tenesmus83 wrote:
Tue Jul 09, 2019 11:10 pm
Just found out about these security cameras. Amazing features for only $25.
Anyone know why they are so inexpensive compared $200+ Arlo cameras
I love them, have three of them. I wish their internet setup was a bit easier, but otherwise everything else is perfect.
by TheOscarGuy
Tue Jul 09, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: buying a suv we dont really need
Replies: 18
Views: 1304

Re: buying a suv we dont really need

zimmer0 wrote:
Tue Jul 09, 2019 12:25 pm
Buy and Flip :moneybag
I knew my answer was not optimal :D You pounced on the idea of 'well below market' value of the car. Your approach seems more bogleheadish than mine :D
by TheOscarGuy
Tue Jul 09, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: buying a suv we dont really need
Replies: 18
Views: 1304

Re: buying a suv we dont really need

Wife wants to buy a 2006 toyota sequioa with under 60K miles from a friend for 7.5K. This looks to be well below comparable sequioa prices in the area but I can probably count on 2 hands how many times a year this car would come in handy. On the flip side this car should retain its value well so we...
by TheOscarGuy
Tue Jul 09, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 71
Views: 6125

Re: (Tall) Buyer Beware: Honda Accord.

Just a word of advice: If you're in the market for an Accord, spend 30 minutes in the drivers seat before signing on the line. I agree. A friend mentioned something similar with Subarus. I am always for a longer term test drive, either through dealership or borrowing the car from a friend or co wor...
by TheOscarGuy
Tue Jul 09, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: My situation and a new vehicle
Replies: 20
Views: 1786

Re: My situation and a new vehicle

I am currently 'shopping' a new vehicle (2019 Subaru Forester Limited or Touring) but am struggling to determine the "when." I wanted to run this by the forum for some varying thoughts. The main specifics which have impact on my decision: (1) My current vehicle is a 2009 Subaru Forester w/ just und...
by TheOscarGuy
Tue Jul 09, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: New budget SUV vs used luxury SUV
Replies: 27
Views: 2691

Re: New budget SUV vs used luxury SUV

Hello, I am trying to choose between buying a new 2019 Mazda CX 5 grand touring or reserve (total cost ~33000 - 37000) vs a 2016 Acura RDX with advance package (total cost ~30,000). The Mazda is more expensive to buy but the 5 year cost to own is likely higher with the used RDX. Let me know your th...
by TheOscarGuy
Tue Jul 09, 2019 6:56 am
Forum: Personal Consumer Issues
Topic: 2019 Cx5 grand touring reserve pricing
Replies: 2
Views: 372

Re: 2019 Cx5 grand touring reserve pricing

Looking into buying a 2019 mazda cx5 grand reserve (trim choice because of the turbo and the active AWD). I am trying to find a good price. I have a dealer asking 37000 (inclusive of tax, and doc fee) (33740+2500+250+accessories). Let me know. Thanks! BH is not a good place for getting useful infor...
by TheOscarGuy
Tue Jul 02, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6899

Re: How to avoid high vet bills?

These Vets are actually scamming the people and, praying on their emotions. I was just In an emergency clinic the lady was yelling at the staff "$1,000 a day for 3 days and my dog died?. I took my cat it in $399 for a routine visit.My brother had a dog with cancer $7,000?? Its $500 for one medicine...
by TheOscarGuy
Thu Jun 27, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Boston travel ideas (was New England generally)
Replies: 51
Views: 3256

Re: New England travel ideas, summer 2019

Boston trip coming up shortly. Me, my wife, and 2 teen-aged kids (bright, with some tolerance for history, but a total museum-fest will be too much). Wedding for part of the time, but 3-3.5 free days, in and around Boston. Don't plan to rent a car, so relying on our feet, public transport (our hote...
by TheOscarGuy
Tue Jun 25, 2019 4:27 am
Forum: Personal Consumer Issues
Topic: Re Buying a higher miles but higher end used vehicle... where?
Replies: 19
Views: 2394

Re: Re Buying a higher miles but higher end used vehicle... where?

SO... considering when the time comes to buy again, I am looking at going the used car route BUT possibly going the higher miles but nicer/better car route. So that would NOT be a recently returned lease or a Certified PreOwned from the dealer. NOT looking for a 'sports car'. Thought is instead of ...
by TheOscarGuy
Fri Jun 21, 2019 5:20 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6899

Re: How to avoid high vet bills?

Be willing to "replace" the dog sooner - and do not spend much at all on vet bills. I grew up on a farm - and most folks had dogs - BUT spent very little on vet bills. Usually cheaper to replace the dog than spend a lot on these vet bills. This may not be always possible. We have a tendency of trea...
by TheOscarGuy
Fri Jun 21, 2019 5:17 am
Forum: Personal Consumer Issues
Topic: Subaru Ascent vs Toyota Highlander...
Replies: 37
Views: 4072

Re: Subaru Ascent vs Toyota Highlander...

What's the real issue here? Dealership location, reliability, or comfort of vehicles? Dealership location. She has driven an Acura but could get serviced locally at Honda dealership but don’t know if she would be happy driving 120 miles round trip for routine maintenance with a Subaru. If it were m...
by TheOscarGuy
Thu Jun 20, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 52
Views: 4458

Re: Dealer 30K Service for 2017 RAV4--Unusual Items?

My local Toyota dealer insists on doing the following as part of a 30,000 mile service. Car is out of warranty and I pay out of pocket. [ Perform Top Engine Valve Cleaning, Install Fuel, Additive. Top Eng/Induct SVS Parts $35, Labor $94 Install BG MOA and CF5 Fuel Additive Total Deposit Control Kit...
by TheOscarGuy
Thu Jun 20, 2019 4:11 am
Forum: Personal Consumer Issues
Topic: Subaru Ascent vs Toyota Highlander...
Replies: 37
Views: 4072

Re: Subaru Ascent vs Toyota Highlander...

What's the real issue here? Dealership location, reliability, or comfort of vehicles? Dealership location. She has driven an Acura but could get serviced locally at Honda dealership but don’t know if she would be happy driving 120 miles round trip for routine maintenance with a Subaru. If it were m...
by TheOscarGuy
Thu Jun 13, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11513

Re: Retired at 35 and have no friends :(

I think this is a troll post. Generally, it's not possible for someone to be a Boglehead and retire at 35. Retiring at 35 requires a huge amount of money (millions) in a short period of time. Options for accuring that money include winning the lottery, buying individual stocks that are on a rocket ...
by TheOscarGuy
Thu Jun 13, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Fishing rod/reel combo recommendation
Replies: 10
Views: 566

Re: Fishing rod/reel combo recommendation

Hello bogleheads, Does anybody have any recommendations for a good fishing rod for light fishing from shore. May be a spinner rod but looking for recommendation on a good brand/model that is cheaper and good value. I do understand they can get very pricey with brands like Penn. My budget is 50$. Th...
by TheOscarGuy
Wed Jun 12, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 72
Views: 4298

Re: Toyota Sienna tire replacement at 12k miles

Hi everyone, Are there any Toyota Sienna owners that have had sub-optimal results with the factory run-flat tires? My wife's went to the Toyota dealership recently for an oil change and they said she needs new tires, as hers have worn thin. She only has 12,xxx miles on the car that we bought brand ...
by TheOscarGuy
Wed Jun 12, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: 4% APY credit unions
Replies: 22
Views: 3203

Re: 4% APY credit unions

Hi, Just wanted to know what people here think of those credit unions and banks that give 4% APY and sometimes higher interest on your money in the account, but up to specific limit (i.e: simple interest not compounding). It of course comes with hoops and loops such as xx debit card transactions pe...
by TheOscarGuy
Wed Jun 12, 2019 5:55 am
Forum: Investing - Theory, News & General
Topic: What financial information do you wish was more commonly known?
Replies: 50
Views: 8847

Re: What financial information do you wish was more commonly known?

With personal finance and investing information (index over active, fees matter, etc) becoming more widespread, what are some areas in finance that you wish more people knew about or paid attention to? 1. You don't have to spend every dollar you earn. In fact you ought not to. 2. Assume there are n...
by TheOscarGuy
Wed Jun 12, 2019 5:50 am
Forum: Personal Finance (Not Investing)
Topic: 2015 subaru forester 96k, replace or run into the ground?
Replies: 24
Views: 2107

Re: 2015 subaru forester 96k, replace or run into the ground?

Hi, I have a 2015 subaru forester with 98k miles that I purchased in 2014, edmunds calls trade in value $10k, paid $24k. Typically we try for at least seven years for our cars but we didn't have a lot of luck with our last subaru and consumer reports gives it a 3 out of 5 for reliability. sell and ...
by TheOscarGuy
Wed Jun 12, 2019 5:49 am
Forum: Personal Consumer Issues
Topic: Subaru Outback 2017 - 2019 Comments
Replies: 20
Views: 2186

Re: Subaru Outback 2017 - 2019 Comments

I am considering purchasing a 2020 Subaru Outback in the "Touring" trim line later this year when they become available and am soliciting comments from those people who have owned a 2017 through 2019 Subaru Outback with either engine offered at the time of purchase. I really don't want to get comme...