Search found 1557 matches

by TheOscarGuy
Thu Mar 28, 2024 7:21 am
Forum: Personal Consumer Issues
Topic: Cybertruck-anyone else get to try it on?
Replies: 58
Views: 4138

Re: Cybertruck-anyone else get to try it on?

Valuethinker wrote: Thu Mar 28, 2024 3:51 am There might be scarcity value in this truck. Novelty. Buy it, drive it, flip it in a year?
Pretty sure people are looking at tesla price drops last year and think that can again happen with cybertruck. No telling what Musk does with new cybertruck prices in a year.
by TheOscarGuy
Wed Mar 27, 2024 5:02 pm
Forum: Personal Consumer Issues
Topic: Cybertruck-anyone else get to try it on?
Replies: 58
Views: 4138

Re: Cybertruck-anyone else get to try it on?

But I can use the same reasoning for folks who buy a luxury vehicle over a toyota. Sure a luxury vehicle has more amenities/features, but at some level luxury vehicle owners are also making a decision based on vanity -- vehicle looks, curb appeal, status symbol etc. A $30,000 camry does everything that a $120,000 lexus does for transportation needs. You are paying for features, but I also think people make the decision based on vanity. If you had just said “some,” or even “most,” people make the decision on vanity, I wouldn’t disagree with you, but you made it an absolute “people make the decision on vanity.” One could argue that a traditional Boglehead would not buy a Mercedes EQS EV SUV; it’s expensive and will not get you from point A t...
by TheOscarGuy
Wed Mar 27, 2024 11:41 am
Forum: Personal Consumer Issues
Topic: Continuous Glucose Monitor
Replies: 13
Views: 807

Re: Continuous Glucose Monitor

TomatoTomahto wrote: Wed Mar 27, 2024 11:16 am I stopped injecting insulin a few years ago (discussion of how I did that would go against forum guidelines) but have continued to wear a CGM 24/7; I find the nearly instantaneous indications of glucose levels informs my behavior.
Hawthorne effect in action!
by TheOscarGuy
Wed Mar 27, 2024 11:10 am
Forum: Personal Consumer Issues
Topic: Cybertruck-anyone else get to try it on?
Replies: 58
Views: 4138

Re: Cybertruck-anyone else get to try it on?

The only people I can see buying a Cybertruck are those seeking a lot of attention. It seems incredibly impractical in so many ways. The overly minimalist/sterile interior, poor range, small frunk, terrible visibility, lack of shifter, door handles, or turn indicator stalk, lack of any paint options, surface rust issues, panel misalignment and atrociously high price make for a very well rounded undesirable vehicle. I was most surprised that the tonneau cover isn't water tight. I would be shocked if even half the reservation holders actually follow through with an order. But admittedly I may be underestimating the sheer number of people that are desperately looking for attention. No interest whatsoever. Too expensive, too weird looking. I d...
by TheOscarGuy
Wed Mar 27, 2024 11:06 am
Forum: Personal Consumer Issues
Topic: Continuous Glucose Monitor
Replies: 13
Views: 807

Re: Continuous Glucose Monitor

Nver2Late wrote: Wed Mar 27, 2024 11:00 am Although DW is not diabetic or have a blood sugar issue, she is very particular with her diet. She mentioned wanting to track her blood sugar response to different foods to her dr. and they wrote her a prescription. She's in a two week free trial phase with a monitor. She probably won't continue after the free trial, but its definitely interesting data that puts a number to it.
Thank you. I will try asking my doctor as well.
by TheOscarGuy
Wed Mar 27, 2024 10:31 am
Forum: Personal Consumer Issues
Topic: Cybertruck-anyone else get to try it on?
Replies: 58
Views: 4138

Re: Cybertruck-anyone else get to try it on?

I was not a super early reservation holder, current expectation is our truck would be ready late this year or January of 2025. Normally when vehicle shopping we as a couple like to try things on for size as we are very different heights/weights. The Tesla experience seems to be they get your payment before getting in the car, though nowadays test rides are available for the cars. This is not true for the Cybertruck yet. We reached out online to someone that was expecting delivery, begged for a chance to just sit in the truck. The day after he accepted delivery we were able to sit in the truck, he drove around for a couple miles. The interior of the front row was better than expected. The guys at Munro and associates have begun videos on th...
by TheOscarGuy
Wed Mar 27, 2024 10:25 am
Forum: Personal Consumer Issues
Topic: Amazon "eligible for return" cost
Replies: 30
Views: 1969

Re: Amazon "eligible for return" cost

CFM300 wrote: Wed Mar 27, 2024 10:19 am
TheOscarGuy wrote: Wed Mar 27, 2024 10:00 am
heartwood wrote: Tue Mar 26, 2024 9:49 pm DW ordered a Travelon Expansion Crossbody Bag https://www.amazon.com/dp/B07MYTDJZV?ps ... ct_details
...
Biggest surprise $18.05 postage to return a $48.47 purchase.
...
You may have to handle and pay dearly for a return.
always look for free returns for such purchases.
I guess return options are customer or location specific, because when I click OP's link, Amazon tells me,

"Free returns are available for the shipping address you chose. You can return the item for any reason in new and unused condition: no shipping charges"
Yup, shows free returns for me as well.
by TheOscarGuy
Wed Mar 27, 2024 10:00 am
Forum: Personal Consumer Issues
Topic: Amazon "eligible for return" cost
Replies: 30
Views: 1969

Re: Amazon "eligible for return" cost

I looked for a similar thread w/o finding one. DW ordered a Travelon Expansion Crossbody Bag https://www.amazon.com/dp/B07MYTDJZV?psc=1&ref=ppx_yo2ov_dt_b_product_details She changed her mind after it arrived (free shipping), started a return and tried to return at Whole Foods. That was rejected. It was an "eligible for return item". She had to box it, print USPS labels for postage and battery (didn't even know it had one) and drive it to the USPS. Biggest surprise $18.05 postage to return a $48.47 purchase. Promised a credit when Amazon receives it. PSA: pay attention to what it says in the listing re seller, returns, etc. Yes, sold by Amazon, ships from Amazon. You may have to handle and pay dearly for a return. Added: Yes,...
by TheOscarGuy
Wed Mar 27, 2024 9:58 am
Forum: Personal Consumer Issues
Topic: Favorite protein powder for shakes at home?
Replies: 75
Views: 3250

Re: Favorite protein powder for shakes at home?

toomanysidehustles wrote: Wed Mar 27, 2024 7:23 am
UpperNwGuy wrote: Tue Mar 26, 2024 4:15 pm Why are you folk consuming protein shakes? Why not just eat more protein at meals?
It's pretty easy to get solid protein when one eats mostly steak and eggs. - Arnold
That quote has not dated well. He is mostly vegan now and eats meat as treat.
by TheOscarGuy
Wed Mar 27, 2024 9:57 am
Forum: Personal Consumer Issues
Topic: Favorite protein powder for shakes at home?
Replies: 75
Views: 3250

Re: Favorite protein powder for shakes at home?

lessismore22 wrote: Tue Mar 26, 2024 3:12 pm Any recommendations for protein powder that has good taste? What's the BH preference for value and quality?
I also want to call out, you should prefer whey isolate. More bio available, no issues with lactose intolerance, no cholesterol over the concentrate or just whey powder.
by TheOscarGuy
Wed Mar 27, 2024 9:55 am
Forum: Personal Consumer Issues
Topic: Favorite protein powder for shakes at home?
Replies: 75
Views: 3250

Re: Favorite protein powder for shakes at home?

lessismore22 wrote: Tue Mar 26, 2024 3:12 pm Any recommendations for protein powder that has good taste? What's the BH preference for value and quality?
https://us.myprotein.com/sports-nutriti ... lsrc=aw.ds

I buy unflavored. It mixes well with the provided shaker. Does not have any bad taste, no artificial or natural sweetner. Frequently get 50% coupons.
by TheOscarGuy
Wed Mar 27, 2024 9:25 am
Forum: Personal Consumer Issues
Topic: Continuous Glucose Monitor
Replies: 13
Views: 807

Re: Continuous Glucose Monitor

ehh wrote: Wed Mar 27, 2024 9:20 am https://www.goodrx.com/classes/medical- ... -diabetics
Dexcom’s FDA-cleared Stelo CGM will be available in summer 2024. It’ll be the first over-the-counter (OTC) option in the U.S., making CGMs more accessible.
Thank you! This is helpful, I didn't know.
by TheOscarGuy
Wed Mar 27, 2024 9:15 am
Forum: Personal Consumer Issues
Topic: Continuous Glucose Monitor
Replies: 13
Views: 807

Continuous Glucose Monitor

Has someone been able to get one without prescription? If yes how does one go about doing it?
I am not diabetic and do not qualify through insurance. I am happy to buy but most companies (dexcom etc. ) don't sell directly to consumers.
Not looking for medical advise, whether or not I should get one etc. Just want to know if anyone has been able to get one without prescription.
by TheOscarGuy
Fri Mar 22, 2024 9:32 am
Forum: Personal Consumer Issues
Topic: What Toys Have You Bought That Have Been Worth it?
Replies: 254
Views: 18443

Re: What Toys Have You Bought That Have Been Worth it?

MrCheapo wrote: Thu Mar 21, 2024 10:45 pm There have been lots of posts about saving money and investing it. But I'm curious what people buy that they feel is really worth it.

Now, I'm sure someone will point to "Die with Zero" style books, but experiences can be a bit over-rated particularly ones you pay for. A BBQ in the backyard wth my family is as good as it gets for me.

So what toys have you bought that have been worth it for you and really impacted your life?
fishing rods/reels.
kayak.
skis/ski boots.
pellet stove.
by TheOscarGuy
Tue Mar 19, 2024 7:21 am
Forum: Personal Consumer Issues
Topic: Pretty set financially, but considering relocation to VHCOL (Bay Area) for the career/adventure
Replies: 49
Views: 5283

Re: Pretty set financially, but considering relocation to VHCOL (Bay Area) for the career/adventure

It has always been a dream and ambition of mine to be in silicon valley. So you signed already, right? If you live in the Bay Area, you can raise a family in your apartment or rented house. I know there's a lot of propaganda in this country that you have to own a house to raise a family properly. That's obviously nonsense. Or, you know, get that L7 position and buy a house. Most people in the Bay Area can't really afford a house and should rent. But L7 can afford it. Of course, this only makes sense if you actually want to live there. Otherwise just rent. I agree with this sentiment. You are single, renting makes it way easier to up and leave if for whatever reason it does not pan out. But most people in Bay area really ought to rent.
by TheOscarGuy
Thu Mar 07, 2024 7:34 am
Forum: Personal Consumer Issues
Topic: Need to buy a car: Outback or CRV?
Replies: 55
Views: 6609

Re: Need to buy a car: Outback or CRV?

beardsicles wrote: Thu Mar 07, 2024 7:30 am In general, everything else equal, a hybrid will be more reliable than a non-hybrid.
How so?
by TheOscarGuy
Thu Mar 07, 2024 7:33 am
Forum: Personal Consumer Issues
Topic: When to switch from dealer to independent for service
Replies: 52
Views: 4336

Re: When to switch from dealer to independent for service

My wifes 3.0T 2018 Audi Q7 had audicare which covered the first 5 years of scheduled services. Now she is due for her 6 year/60k service, but that service is probably going to be more expensive than the entire first 5 years of service combined, I think I only paid 900 dollars for the audicare package which covered all her services up to this point Anyway her car only has 38k miles, so we always have been getting the service based on time (1 year/10k miles whichever comes first) as the manual specifies 60k service is new spark plugs, accessory v belt, air filter, cabin filter and oil change. I'd guess the dealership wants 1k or more, unless there is another audicare package available (couldn't find anything) There is an independent place th...
by TheOscarGuy
Thu Mar 07, 2024 7:28 am
Forum: Personal Consumer Issues
Topic: Need to buy a car: Outback or CRV?
Replies: 55
Views: 6609

Re: Need to buy a car: Outback or CRV?

livesoft wrote: Thu Mar 07, 2024 7:26 am
TheOscarGuy wrote: Thu Mar 07, 2024 7:10 amWhich CRV does your wife have -- redesigned one, or earlier?
2021 Honda CR-V EX Hybrid purchased in May 2021 for $31,249 OTD
I have owned Hondas before, and I agree their interfaces seem unnecessarily complicated. However I didn't feel that in the recently redesigned CRV. I disliked other things in it and therefore would chose Outback over CRV between the two, but infotainment seemed well designed, easy to use.
by TheOscarGuy
Thu Mar 07, 2024 7:23 am
Forum: Personal Consumer Issues
Topic: Need to buy a car: Outback or CRV?
Replies: 55
Views: 6609

Re: Need to buy a car: Outback or CRV?

I did some research and test drives over the weekend, and my two favorites thus far are the Honda CRV hybrid and the Subaru Outback with the turbocharged engine (several of the trim levels come with this engine). My main "need" is for a good snow car--we do a lot of skiing in the Sierras each winter. So I need all-wheel-drive and wheels that can handle slush, ice, and several inches of snow without being subject to chain control. That said, I live in the Bay Area so most of my driving is basic freeway, city, suburb stuff. Both would do the job here. Yes Subaru's AWD is known to be superior. But unless you frequently do off pavement driving it won't gain you any additional advantage. My main concerns are longer-term reliability an...
by TheOscarGuy
Thu Mar 07, 2024 7:10 am
Forum: Personal Consumer Issues
Topic: Need to buy a car: Outback or CRV?
Replies: 55
Views: 6609

Re: Need to buy a car: Outback or CRV?

livesoft wrote: Tue Oct 24, 2023 2:08 pm This was recently asked. I drive an Outback. My spouse drives a CRV Hybrid. Get the Outback: Quieter, better implemenation of safety features, bigger, more comfortable. I am annoyed by CRV interfaces.
Which CRV does your wife have -- redesigned one, or earlier?
by TheOscarGuy
Thu Mar 07, 2024 7:10 am
Forum: Personal Consumer Issues
Topic: Need to buy a car: Outback or CRV?
Replies: 55
Views: 6609

Re: Need to buy a car: Outback or CRV?

livesoft wrote: Tue Oct 24, 2023 2:08 pm This was recently asked. I drive an Outback. My spouse drives a CRV Hybrid. Get the Outback: Quieter, better implemenation of safety features, bigger, more comfortable. I am annoyed by CRV interfaces.
Which CRV does your wife have -- redesigned one, or earlier?
by TheOscarGuy
Thu Feb 29, 2024 7:12 am
Forum: Personal Consumer Issues
Topic: Best way to find good realtor with no word-of-mouth references
Replies: 17
Views: 2107

Re: Best way to find good realtor with no word-of-mouth references

RationalWalk wrote: Wed Feb 28, 2024 7:06 pm Since there are about a bazillion realtors out there, I'm wondering how to locate a good one when I don't have any word-of-mouth references from "satisfied customers." I'd like to find about three to interview to sell my condo in Phoenix area. Anybody have any suggestions or do I take pot luck?
I have no direct recommendation per say. When we looked for one ~15 years ago, I think we went with someone from workplace. But this post reminder me of a recent article in WSJ. I wonder if we will see fees come down in near future.
by TheOscarGuy
Wed Feb 14, 2024 12:01 pm
Forum: Personal Consumer Issues
Topic: Need a Suit - Recommendations?
Replies: 23
Views: 2112

Re: Need a Suit - Recommendations?

mtwhmemn wrote: Wed Feb 14, 2024 8:39 am There was a thread started about tuxedo purchase and it reminded me I need a suit for an event. I almost never need a suit but I'll need it at least twice in the coming months, but first event is in May so I have plenty of time for alterations, etc....

Anyone had a good experience online? I don't want to spend a lot but I want to look good. Thanks.
I used suitsupply a few years back. Was pretty happy with their fitting. No idea how the quality is now. They do have retail stores now -- there's one in Boston newbury street.
by TheOscarGuy
Tue Feb 06, 2024 1:13 pm
Forum: Personal Consumer Issues
Topic: Fish at Costco
Replies: 43
Views: 6249

Re: Fish at Costco

We've been trying to increase consumption of fish, in place of other proteins - personal decision, no need to overthink this lol. That said, we live inland, no local fish markets, only grocery stores. The only grocer where we've found appealing fish, was Costco. We tried bringing some filets home, eating them, then freezing the remaining portions. Not thrilled with the results when thawed and prepared - likely due to subsequent freezing cycle. So maybe we need to go straight to the freezer aisle, instead of the fresh cases. Any recommendations for frozen fish portions at Costco? We'll eat any kind of fin fish or seafood. I know we have many Costco fans here, thanks I only buy wild caught, frozen pacific salmon @costco. I live in Boston so ...
by TheOscarGuy
Wed Jan 17, 2024 11:02 am
Forum: Personal Consumer Issues
Topic: Gas snowblower recommendations 2024
Replies: 83
Views: 9559

Re: Gas snowblower recommendations 2024

trizzle wrote: Fri Jan 12, 2024 1:54 pm Around these parts (New England) Ariens is king. I'd recommend the deluxe level as the best bang for your buck. FWIW I have two Ariens (one for each house) and I've never had a single issue in 15+ years of ownership. Never even needed to use the electric start - they start first pull.
agreed. except I went with platinum SHO. bulletproof so far.
by TheOscarGuy
Wed Jan 17, 2024 11:00 am
Forum: Personal Consumer Issues
Topic: Tesla in Cold Weather
Replies: 197
Views: 18121

Re: Tesla in Cold Weather

For cold weather and high speed, a good rule of thumb is 50% of miles. To get the full 320, you have to be in warm climate (70+ degrees) with a max constant speed of ~40 mph. (Blame the feds for these calculations.) You can save a few electrons by using your seat heaters more and cabin heater less. The temp gauge is a 'resistor' type and it does take awhile to adjust to the outdoors if your car sleeps in a garage. Mine takes 10+ minutes, but then I don't pay that much attention to it anymore. (In SoCal, so not concerned about roads going below freezing.) Can't address teh window question, since the car has never been below 30. I own a MYP and have always wondered why teslas advertised vs actual is so low. I didn't know feds are to be blame...
by TheOscarGuy
Tue Jan 16, 2024 9:25 am
Forum: Personal Consumer Issues
Topic: "Unsubscribe" to Emails
Replies: 37
Views: 4410

Re: "Unsubscribe" to Emails

Allan wrote: Tue Jan 16, 2024 8:19 am When you receive an email and you "Unsubscribe", does it always work and does it work "forever"?
No it doesn't!
I have started marking them as spam. However a better approach is just create a new shadow email and give it to online purchases etc. I plan to infact just create new email ID for a year for all purchases. Its a throw away ID that I will use everywhere this year (except important stuff like school communication, bank, family friends etc.) and simply delete it at the end of the year.
Thankfully fastmail makes all of this very easy.
by TheOscarGuy
Wed Jan 10, 2024 1:39 pm
Forum: Personal Consumer Issues
Topic: 4Runner - new or used
Replies: 77
Views: 9019

Re: 4Runner - new or used

Pretty challenging is not how I'd phrase it. Unless you are making turns at full lock you don't have to worry driving in 4wd. I find most roads are failry straight and I can exercise the 4wd just fine when needed/required. It doesn't have to be full lock. I've felt binding at just a few degrees of turn. That's your choice. Most of the roads near me are pretty short between turns. My average drive makes a 90 degree turn every 2 miles. And switching back and forth every mile is probably not good either. I have to go out of my way once a month to drive a 10 mile straight enough stretch. Obviously your mileage may vary. That’s interesting , never felt binding with small turns. And once you are outside your driveway I can’t imagine where 90 deg...
by TheOscarGuy
Wed Jan 10, 2024 10:53 am
Forum: Personal Consumer Issues
Topic: 4Runner - new or used
Replies: 77
Views: 9019

Re: 4Runner - new or used

I've owned a 2008 urban runner and have currently a 2023 40th anniversary. Both are 4wd. I didn't see it mentioned, but the thing I miss the most from the 4th Gen is the center diff. On the 5th Gen only the limited has a center diff. That means you can't use the 4wd on pavement unless it's covered in snow. Even light rain you should stick to 2wd. And for all part time 4wd you need to drive 10 miles a month in 4wd to keep it properly lubed. Without a center diff that's pretty challenging to do. I happened to have a 10 mile straight road by my house. So I try to drive it once a month. Pretty challenging is not how I'd phrase it. Unless you are making turns at full lock you don't have to worry driving in 4wd. I find most roads are failry stra...
by TheOscarGuy
Wed Jan 10, 2024 8:12 am
Forum: Personal Consumer Issues
Topic: 4Runner - new or used
Replies: 77
Views: 9019

Re: 4Runner - new or used

hudson wrote: Wed Jan 10, 2024 8:07 am Thanks TheOscarGuy!
Anything that works is good technique.
Are those prices out the door?
No does not include taxes title registration and destination charge. But still its apples to apples because those charges apply to both trims.
by TheOscarGuy
Wed Jan 10, 2024 8:04 am
Forum: Personal Consumer Issues
Topic: 4Runner - new or used
Replies: 77
Views: 9019

Re: 4Runner - new or used

I know, yet another new vs used thread. Hoping to hear from 4Runner fans on here. My wife is set on a 4Runner to replace our 2012 minivan, as the kids are old enough that we don't always need the space. I work at home and regardless of what we get, we'll keep the minivan and I'll drive it and it will be available for trips. My inclination was to look for something a few years old, which I'm finding might not be the best strategy with toyota, especially post pandemic. Our current 2 cars were bought new (2009 and 2012) and we still have them. Both have over $200K on them. For people with 4runners - I think we've settled in on an SR5 premium. A new one is around $47K MSRP (seems like some dealers are offering $1K-2K off now). From looking aro...
by TheOscarGuy
Wed Jan 10, 2024 7:32 am
Forum: Personal Consumer Issues
Topic: 4Runner - new or used
Replies: 77
Views: 9019

Re: 4Runner - new or used

bendix wrote: Tue Jan 09, 2024 5:19 pm I heard that instead of buying used 4runners buying used Lexus GX 460 might be the better and cheaper option as rumor has that the car is better yet less in demand and thus more affordable than a 4runner. I dont know if that´s actually true but it sounded very plaubsible to me.
You will get more luxurious vehicle, which has V8 over V6. It may be cheap since the redesign is coming this year. However front grill is very ugly, trunk door opens to the side. And after market support is more robust for 4runner than GX.
by TheOscarGuy
Wed Jan 10, 2024 7:27 am
Forum: Personal Consumer Issues
Topic: 4Runner - new or used
Replies: 77
Views: 9019

Re: 4Runner - new or used

I know, yet another new vs used thread. Hoping to hear from 4Runner fans on here. My wife is set on a 4Runner to replace our 2012 minivan, as the kids are old enough that we don't always need the space. I work at home and regardless of what we get, we'll keep the minivan and I'll drive it and it will be available for trips. My inclination was to look for something a few years old, which I'm finding might not be the best strategy with toyota, especially post pandemic. Our current 2 cars were bought new (2009 and 2012) and we still have them. Both have over $200K on them. For people with 4runners - I think we've settled in on an SR5 premium. A new one is around $47K MSRP (seems like some dealers are offering $1K-2K off now). From looking aro...
by TheOscarGuy
Wed Jan 10, 2024 7:14 am
Forum: Personal Consumer Issues
Topic: Squat / Bench Rack equipment for tight space
Replies: 59
Views: 14957

Re: Squat / Bench Rack equipment for tight space

ThankYouJack wrote: Sun Jan 07, 2024 8:13 pm I'm considering getting some workout equipment (ideally to bench press, squats, pull-ups). However my garage is pretty tight on space. I have some adjustable dumbbells already so could use those with just a workout bench, but would prefer an olympic barbell set, pull up bar, etc. Max I want to spend is $2k for a rack, bench, barbell, weights. Any recommendations?
I have a squat rack from rogue. I had similar issue like you -- less space. It has worked out well for me.
by TheOscarGuy
Fri Jan 05, 2024 8:37 am
Forum: Personal Consumer Issues
Topic: Oil change frequency on older Toyota (w/ 140k)
Replies: 64
Views: 7892

Re: Oil change frequency on older Toyota (w/ 140k)

Hey all, We have a 2009 Toyota Rav4 with around 140k miles on it now. I changed the oil last year where it was at around 136k and put synthetic in it (along with some Techron). I saw online that it's fine to change after 7k or more miles on synthetic but I've heard of some people going less and some going more. The last change I did I discovered my [former] mechanic missed replacing the oil filter cartridge...! Anyway, the car seems to be fine but the "maint required" light came on I'm assuming to remind for the oil change at 5k or whatever. Anyway, just wondering if it's OK to wait until I'm at 7k or more before changing again... actually I may be at 142k already - the wife has the car and is at work now so will have to check wh...
by TheOscarGuy
Wed Jan 03, 2024 7:17 am
Forum: Personal Consumer Issues
Topic: Amazon Rate increases - alternatives [Amazon Prime Video]
Replies: 151
Views: 24176

Re: Amazon Rate increases - alternatives [Amazon Prime Video]

stoptothink wrote: Wed Jan 03, 2024 6:36 am I notified my wife that Prime video is going to commercials yesterday and that was enough for her to allow me to cancel Prime. Expecting the $86 pro-rated refund soon. One more, almost never used, subscription off the list.
Its funny how intolerant we are of ads. I can not tolerate them and is the whole reason I am canceling mine as well. Although I didn't ask for prorated cancellation, I will let it lapse since I am near the renewal date.
by TheOscarGuy
Wed Jan 03, 2024 7:15 am
Forum: Personal Consumer Issues
Topic: When to sell old/purchase new vehicle
Replies: 37
Views: 5029

Re: When to sell old/purchase new vehicle

Have been a highly satisfied owner of a 2017 Honda Ridgeline RTL-E. It's been extremely well maintained and is in good cosmetic shape, though I do treat it as a truck -- camping/hunting/dog as passenger so there are some purely cosmetic signs of wear in the interior. Bought it new in September 2016 for 46k. Fully loaded. I also bought a 100k extended warranty. It's got 89k miles on it, basically new tires. Paid it off in 2019. While I'm not itching to replace it, I do feel like I'll get a better resale on it if I part with it before I cross that 100k mileage threshold on the extended warranty. I would probably look to get a new Rav4 Hybrid or consider something like a CR-V. I live in the DC/NOVA area and although the truckbed has come in h...
by TheOscarGuy
Tue Jan 02, 2024 1:59 pm
Forum: Personal Consumer Issues
Topic: your system for reviewing credit card transactions
Replies: 86
Views: 9768

Re: your system for reviewing credit card transactions

Morgan22 wrote: Tue Jan 02, 2024 11:57 am
TheOscarGuy wrote: Tue Jan 02, 2024 9:11 am
every single transaction sends me a text. I review it when I receive the text. That's it.
Same here. :)
:sharebeer
right about the time I set this up I also simplified my credit cards where now all expenses are on one single card. Yes I am leaving some reward money on the table, but simplification, in my mind, is worth it.
by TheOscarGuy
Tue Jan 02, 2024 9:16 am
Forum: Personal Consumer Issues
Topic: Amazon Rate increases - alternatives [Amazon Prime Video]
Replies: 151
Views: 24176

Re: Amazon Rate increases - alternatives [Amazon Prime Video]

This thread is intended to be actionable. I have been a prime member for years, but I’m thinking making commercial free tv a surcharge is probably the last straw between that and healthy rate increases. I’m trying to determine the value proposition - the free shipping is nice, but I tend to think I can bundle to get to $25 purchase, which avoids shipping charges correct? - I can’t remember last time I watched Prime so not a big factor - perhaps the biggest consideration is I assume I’d lose 5% back rebate on our Amazon synchrony. Any viable alternatives to mitigate this? Any other considerations? For those that have left Prime, how have you adapted? I will still be a frequent user so not sure if this is a Penny wise pound foolish decision....
by TheOscarGuy
Tue Jan 02, 2024 9:11 am
Forum: Personal Consumer Issues
Topic: your system for reviewing credit card transactions
Replies: 86
Views: 9768

Re: your system for reviewing credit card transactions

mookie wrote: Mon Jan 01, 2024 10:39 pm I have four credit cards (Fidelity Visa 2% cash back; Costco for travel, gas; Amazon prime for Amazon; Citi double cash for business). What method do you use to review your purchases, or do you review them at all? My main goal is to catch fraudulent charges. I find it a major nuisance, which I delay, and then have a stack to review, at which point it would probably be too late to appeal any charges. I'm guessing that developing a habit of going to Mint/Credit Karma once a month to review all charges is the best way.
every single transaction sends me a text. I review it when I receive the text. That's it.
by TheOscarGuy
Thu Dec 21, 2023 9:57 am
Forum: Personal Consumer Issues
Topic: Does a SUV have more utility than a sedan?
Replies: 297
Views: 160085

Re: Does a SUV have more utility than a sedan?

Bogleheads! For a while now I am looking to opportunistically replace my current car. The market for SUVs is fairly tight but sedans are attractively priced. Now I am wondering if anyone has substantiated if an SUV really has more utility than a sedan? To me, when I look at the interior space of front seats, head room, back seats, trunk space, fuel consumption etc. this all looks very comparable. So, why are SUVs then all the rage and sedans are not? Heck, you even get decent discounts off MSRP if you buy one. Even at Toyota or Honda. Are SUVs structurally more sound than a sedan? From the NCAP ratings it seems rather not. I must be missing something here. What do y'all think? I can tell you my reasons for it: 1. Putting child in and out. ...
by TheOscarGuy
Tue Dec 19, 2023 10:28 am
Forum: Personal Finance (Not Investing)
Topic: SIL considering a PhD in Engineering, worth it?
Replies: 97
Views: 14669

Re: SIL considering a PhD in Engineering, worth it?

My son-in-law has just finished an MS in materials engineering, and he currently works for a company specializing in corrosion control. One of his professors encouraged him to pursue a PhD in Manufacturing Engineering. We have discussed a lot of non-financial issues of such a degree--time commitment, personal fulfillment, interest in the research subject matter his mentoring professor suggests, etc. But what we don't have a good answer to a simple question, will a PhD be worth it financially for him? Will a PhD in manufacturing engineering make financial sense? Do BHers think the degree will open professional opportunities for him? Or, would it make more financial sense to be satisfied with his MS and pursue a P.E.? Having done PhD (cs) I ...
by TheOscarGuy
Tue Dec 12, 2023 8:20 am
Forum: Personal Consumer Issues
Topic: Buying a new car….pay cash?!
Replies: 57
Views: 11011

Re: Buying a new car….pay cash?!

I’m in the market to buy a new (Or used) vehicle in the coming months. Primarily the focus is on a small SUV, as we occasionally have snowy winters where I live, but I’d be open to a slightly smaller car that can handle well in the snow, too (I have a job that requires I drive to work, even when snow closes schools and our businesses). Am I correct that end of December is a great time to buy vehicles because of sales quotes that might need to be met at the end of a month, quarter and year? I also read that memorial day weekend is a great time to purchase a vehicle. This is not an urgent need, however, I’ve had this vehicle for a decade, and it’s time to buy one with a few less headaches. I’m open to a new or used vehicle. and I’ve saved en...
by TheOscarGuy
Mon Dec 11, 2023 3:30 pm
Forum: Personal Consumer Issues
Topic: New to Costco
Replies: 239
Views: 60997

Re: New to Costco

I routinely get low prices on costco travel for car rentals. I do not think any other place comes close. That is roughly $50-100 saved per rental. With a handful of vacations each year, we end up saving a bunch.
by TheOscarGuy
Mon Dec 11, 2023 11:44 am
Forum: Personal Consumer Issues
Topic: New to Costco
Replies: 239
Views: 60997

Re: New to Costco

LaurenRose wrote: Sat Dec 09, 2023 1:13 pm I know there are quite a few Costco shoppers here.

I just got a new membership and I'm heading there soon.

What kinds of deals do you find? based on price or quality or both? Thanks
too many to list. But their return policy is quite good. So all electronics I get from them.
by TheOscarGuy
Mon Dec 11, 2023 11:43 am
Forum: Personal Consumer Issues
Topic: New to Costco
Replies: 239
Views: 60997

Re: New to Costco

I know there are quite a few Costco shoppers here. I just got a new membership and I'm heading there soon. What kinds of deals do you find? based on price or quality or both? Thanks We don't go to Costco very often, but when we do, if there is a product we need, we assume there is value in the price/quality and purchase. We trust Costco. This is not necessarily true. I have found *some items* to be cheaper elsewhere, per unit price. I do price compare since I have more choices. not because I am mcscrooge but I won't necessarily say they are always cheap. When I have to return items, they are second to none -- and therefore for anything of significant value I always try to buy from them. Too bad the citi card is useless now, wrt extending t...
by TheOscarGuy
Thu Dec 07, 2023 1:25 pm
Forum: Personal Consumer Issues
Topic: Which Mesh Router To Buy
Replies: 61
Views: 7116

Re: Which Mesh Router To Buy

Orange44 wrote: Thu Dec 07, 2023 5:45 am Google Mesh worked for me.
https://store.google.com/product/nest_w ... r?hl=en-US

Mesh and WIFI setups are tricky. A gift is tough since there is setup and testing. Good Luck!
On a Gigabit internet google mesh consistently gives me below 100Mbps no matter where I am in the house.
I recently upgraded to a costco brand and its much better speed. It was 6E.
by TheOscarGuy
Mon Dec 04, 2023 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: "Gifting" 529 plan
Replies: 10
Views: 1287

Re: "Gifting" 529 plan

cyclist wrote: Mon Dec 04, 2023 1:53 pm FYI, many 529 plans are set up for easy gifting. One your child’s parent sets up the account they can share a specific URL (Internet address) that will make it easy for you to send money directly from your bank account to your the 529 account for your grandchild.

We’ve done this for our grandchildren.

Cyclist
Good to know .
Part of the reason I want this done is I don’t think they are the most financially savvy parents. I figure if I give them funds for 529 plan it would push them to contribute *something* periodically. But of course they will control that and what happens to the gift money.
by TheOscarGuy
Mon Dec 04, 2023 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: "Gifting" 529 plan
Replies: 10
Views: 1287

Re: "Gifting" 529 plan

secondcor521 wrote: Mon Dec 04, 2023 1:31 pm If you can get the Social Security number, you can list the kid as the account beneficiary and you can be the owner. There's no requirement that the parent be the owner.
Jovby wrote: Mon Dec 04, 2023 10:15 am You might tell them you have $1000 to contribute to his 529, and ask them to let you know when they have opened the account. That way they’ll have an incentive to at least start the account, and the intent of the money will be clear.
I'd rather not ask anyone for social security number. I like the idea of just mentioning there is a 1K I want to gift into the 529 plan, and that they let me know when they have opened it up.
by TheOscarGuy
Mon Dec 04, 2023 10:00 am
Forum: Personal Finance (Not Investing)
Topic: "Gifting" 529 plan
Replies: 10
Views: 1287

Re: "Gifting" 529 plan

I would like to "gift" a 529 plan to a my nephew (~1 yr old). The amount is not large ($1K), but I don't want to just gift the parents cash -- I want to open a 529 account in their name. It is my hope that parents in turn take the cue and start contributing to it. How does this mechanically work? I open a new account with my nephew as beneficiaries and then just let the parents know? I imagine the way I want it done giving cash to parents is probably easiest because I can't "transfer" a 529 account I opened to someone else..I am pretty sure someone else has done this here, so advise would be appreciated. You will need his Social Security number to designate him as the beneficiary. Therefore, you will likely need the par...