Search found 318 matches

by UALflyer
Tue Feb 12, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: When is a car "totalled" if not at fault?
Replies: 26
Views: 2072

Re: When is a car "totalled" if not at fault?

Before you accept their payment, make sure to look around locally to ensure that you can find a similar vehicle to yours (similar mileage, make, model, condition, etc). If you can't, you should go back to them for a higher offer. The idea of the insurance is to make you "whole" again. That is not g...
by UALflyer
Sat Feb 09, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 21
Views: 1700

Re: Shopping for a car after 10+ years

What I’m saying is that if people were consistently getting cars with lots of problems from CarMax, a few months or even a year later, that would eventually show up in customer satisfaction ratings. That's not how car satisfaction scores work. If you buy a used car, which later starts giving you pr...
by UALflyer
Sat Feb 09, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 21
Views: 1700

Re: Shopping for a car after 10+ years

Despite your concerns about Carmax, their customer satisfaction ratings are very high. The data don’t support your assertions. Their customer satisfaction ratings don't have anything to do with the quality of their inventory, as vehicle issues don't show up for a little while. Their customer satisf...
by UALflyer
Sat Feb 09, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 21
Views: 1700

Re: Shopping for a car after 10+ years

The biggest downside of buying a car at places like Carmax, Carvana, car dealers, etc.. has to do with the unknown quality of the cars that you are buying. Regardless of the model that you're considering, if it was previously neglected and abused, it is very likely to give you problems down the road...
by UALflyer
Fri Feb 08, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Question for gearheads on Honda Pilot/Passport reliability
Replies: 46
Views: 2178

Re: Question for gearheads on Honda Pilot/Passport reliability

I'm sold on Toyota--Only wished I'd started buying them 30 years ago. Think of all the money I would have saved. People keep making broad generalizations about whole brands like Toyota, Honda, etc... In reality, as many posters have correctly pointed out above, every single brand out there has had ...
by UALflyer
Wed Feb 06, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Costco for Mercedes tire set
Replies: 29
Views: 1233

Re: Costco for Mercedes tire set

Sometimes the dealerships will match prices. Ford has a corporate policy of doing so. Even if the dealership price matches, I wouldn't buy from them. If your tires ever have to be replaced under warranty, you'll get prorated credit but will then be stuck paying the dealership's much higher prices, ...
by UALflyer
Tue Feb 05, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Analyzing HSA/HDHP option vs PPO
Replies: 17
Views: 623

Re: Analyzing HSA/HDHP option vs PPO

Everything I look at has to do with the OOP max and I also look at it in terms of say, 5 years. These parameters are rather odd. There's no question that the OOP maximums are important, but there's significantly more to the healthcare plan comparisons than the OOP maxes. Even more importantly, 5 ye...
by UALflyer
Tue Feb 05, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Analyzing HSA/HDHP option vs PPO
Replies: 17
Views: 623

Re: Analyzing HSA/HDHP option vs PPO

You will want to post the numbers, all of them. PPO vs. HDHP. Thank you all for the help so far. Below are the PPO vs HDHP numbers. In-network vs out-of-network is displayed as $X / $Y. "After Deductible" is denoted as "AD". PPO HDHP Lifetime Max: Unlimited Unlimited Individual Deductible: $1500 / ...
by UALflyer
Tue Feb 05, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Analyzing HSA/HDHP option vs PPO
Replies: 17
Views: 623

Re: Analyzing HSA/HDHP option vs PPO

OOP max is unknown for each plan, impossible to know which is best based off provided info. Known prescriptions hitting the Ind./Family OOP max with HDHP wouldn't automatically make it worse if the OOP max on the PPO is something like $7k/$14k vs $3.3k/$7k for HDHP. OP would have to weigh the risk ...
by UALflyer
Thu Jan 31, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7126

Re: Condor moved me from Business to Economy. Recourse?

I don't like the suggestions of simply disputing the charges. Even if Victoria was still within the initial 60 day window, the outcome of credit card disputes for these types of issues is uncertain and it can take months to get it resolved. Without knowing the outcome of the dispute, there is no way...
by UALflyer
Fri Jan 25, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia
Replies: 55
Views: 2835

Re: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia

UAL. Those funny cuffs are not really practical for long days skiing from my experience. They get wet and they get dirty and then they get the insides of your gloves wet and dirty. Then your hands get really cold. And there is the whole issue of fitting well versus hand size and arm length. So the ...
by UALflyer
Thu Jan 24, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia
Replies: 55
Views: 2835

Re: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia

Oh make sure you get good velcro cuffs on the shell jacket. This lets you tighten up the sleeve around the under coat and then cover both with a long cuff glove. So no exposed wrist skin. The above works fine, but some of the better ski jackets have a much more effective solution: interior stretch ...
by UALflyer
Thu Jan 24, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Home insurance going up every year...
Replies: 58
Views: 3439

Re: Home insurance going up every year...

You are right it doesn't necessarily. However, there are enough examples of folks on this forum who experienced sizable increases after switching for a much lower rate to at least wonder if there is a correlation there. Insurers should also be considered based upon how easy they are to do business ...
by UALflyer
Thu Jan 24, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Home insurance going up every year...
Replies: 58
Views: 3439

Re: Home insurance going up every year...

Most all companies constantly raise rates, the only difference being larger increases less frequently or smaller increases just about every renewal. What further aggravates the increases is switching to the lowest cost carrier. The lower the premium, generally the closer you are to larger increases...
by UALflyer
Thu Jan 24, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance going up every year...
Replies: 58
Views: 3439

Re: Home insurance going up every year...

I have stuck with Geico They underwrite Travelers :wink: Geico doesn't "underwrite" Travelers or any other company. Instead, Geico has an insurance agency, which acts just like any other independent insurance agency, and sells homeowner's insurance provided by non-affiliated thirty party companies,...
by UALflyer
Thu Jan 24, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia
Replies: 55
Views: 2835

Re: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia

I prefer Spyder brand of coats and ski wear. I absolutely love Spyder and have a lot of their products. It used to be an almost exclusively high end brand that made some of the best technical skiwear on the market. Over the last few years, however, just like most other high end skiwear manufacturer...
by UALflyer
Thu Jan 24, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia
Replies: 55
Views: 2835

Re: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia

Higher end technical skiwear won't necessarily be better for everyday use, although it'll be more stylish. With higher end technical skiwear, what you get are things like complete waterproofing of all seams, as opposed to just the critical seams being waterproofed on the cheaper models. Likewise, hi...
by UALflyer
Sun Jan 20, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: Stressless Recliners
Replies: 40
Views: 22768

Re: Stressless Recliners

For those who aren't familiar with Ekornes, all their products have MAP (minimum advertised pricing), which is similar to the way that other luxury manufacturers do it. This means that Ekornes retailers are not permitted to sell their products below MAP, which keeps the pricing fairly high. From tim...
by UALflyer
Wed Jan 16, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

Looks like there are realtors and bankers in this thread. Can you tell how much in closing costs(incl. orig fees etc) can buyer save by buying a house with cash. I think it will be somewhere between 5K - 10K on a 300K mortgage. So why not use cash in this scenario if you can pay with cash ? A lot d...
by UALflyer
Wed Jan 16, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

You are suggesting that in the vast majority of transactions the seller does not care whether the buyer is offering all cash or a financed deal. This is simply not true. You are intentionally defining and describing a financed deal very differently (you are talking about inspections and appraisals,...
by UALflyer
Wed Jan 16, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

What you are missing is that 30-45 days is plenty of time for the buyer to back out of the contract if they get cold feet or find a better house. They'll give up some of the earnest money, but the relative burden still falls on the seller in this case, who may have passed on other offers for this o...
by UALflyer
Wed Jan 16, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

The point of my question is this...it is contradictory to say that cash offers sometimes provide a competitive advantage while saying that sellers don't care where the money is coming from. This exchange is going nowhere and is just cluttering up the thread, as you've decided to disagree with whate...
by UALflyer
Wed Jan 16, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

So you at least agree that in some situations a cash offer provides the buyer with a competitive advantage? If you have read my posts in this thread, I have specifically mentioned certain situations where cash would be advantageous, although that's not very common in the context in which we are dis...
by UALflyer
Wed Jan 16, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

As a seller I care about price and certainty of close. This is precisely what I've been explaining. Payment type directly affects the latter, as the bank will require inspections and appraisals. An appraisal is only an issue for a buyer who has to have a mortgage and must stay at a certain LTV, whi...
by UALflyer
Wed Jan 16, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

Hedfefundie, do you agree that if a buyer made a cash offer by indicating their intention to pay with cash in the offer and providing proof of funds to the seller, but they did not intend to pay with cash and did not pay with cash, that would be a breach of the terms of the offer? You've set up you...
by UALflyer
Wed Jan 16, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

I am a realtor and I would never pass a “cash offer” onto my seller client that did not have proof of funds for the entire purchase price sitting in a bank account somewhere. That's not always done, but regardless, as I mentioned above, would be a non-issue in situations that we're discussing where...
by UALflyer
Wed Jan 16, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

As I explained above, there are some relatively unusual situations where a true cash offer is needed, but in the vast majority of regular residential real estate transactions a buyer who has the cash to complete the transaction but ends up taking out a mortgage at closing (or a buyer of the type th...
by UALflyer
Wed Jan 16, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

accept your point that a "cash offer" is different than actually paying cash for the house, but if someone makes a "cash offer" who potentially has enough cash to pay for the house but does not intend to buy the house with cash and intends to get a mortgage that would be disingenuous and arguably a...
by UALflyer
Tue Jan 15, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

When I sold my last home a cash offer was definitely more attractive to me. A "cash offer" does not tell you whether the buyer is paying cash or using a mortgage. It just means that the buyer doesn't have a financing contingency and, if bank statements are provided (and not all cash offers include ...
by UALflyer
Tue Jan 15, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

I don't have to have to know the reason if I have known it to be true based on my experience. If something is true, it's true, and the reason is secondary. I can speculate as to the reasons if you would like...I think most sellers like it when a buyer can pay cash and not have to rely on getting ap...
by UALflyer
Tue Jan 15, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

I did read the entire post and I saw your explanation and I do not agree. Would you care to elaborate on the particulars of your disagreement? Sure. You said that sellers don't care whether the money is coming from cash or from a mortgage company and I do not think that is true. Elaborating would i...
by UALflyer
Tue Jan 15, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

mptfan wrote:
Tue Jan 15, 2019 7:21 pm
I did read the entire post and I saw your explanation and I do not agree.
Would you care to elaborate on the particulars of your disagreement?
by UALflyer
Tue Jan 15, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

A seller couldn't care less whether the money is coming from a cash buyer or from a mortgage company. Generally speaking, this is just not true, most sellers do give preference to cash buyers. Indeed, this is completely wrong (at least in California). If you had read the entire post, you would've s...
by UALflyer
Tue Jan 15, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8887

Re: Getting a Mortgage when You can Pay Cash for a House

But the benefit to you of negotiating from a cash position are substantial, so I would do that... Negotiating a house purchase from a cash position may or may not offer any benefits. A seller couldn't care less whether the money is coming from a cash buyer or from a mortgage company. What the selle...
by UALflyer
Thu Jan 03, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3097

Re: Noise cancelling headphones for plane trips, advice?

Sony 1000xm3 BY FAR the best noise canceling headphone right now. Don't drop any money for bose qc if you are serious about noise canceling. EVERY review out there rated Sony xm3 to be better in noise canceling AND sound. Don't waste your money on bose qc35. They are comfortable but they suck on no...
by UALflyer
Wed Jan 02, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2917

Re: Thoughts on the new Maxima?

Furthermore, when we are talking about the reliability of new cars, we are making predictions based on data for older models. For new cars, I agree, except that isn't what I am talking about. If the only information that's available is the overall reliability of a particular brand and/or of a parti...
by UALflyer
Wed Jan 02, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2917

Re: Thoughts on the new Maxima?

There is a big difference between the total reliability ratings of a car brand/ model and cherry picking some specific problems. The "total reliability of a brand" is one of the most meaningless metrics out there. Next time you go off on a rant, it might at least be based on what I actually said th...
by UALflyer
Wed Jan 02, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3097

Re: Noise cancelling headphones for plane trips, advice?

I've bought two pair of these. https://www.sony.com/electronics/headband-headphones/wh-ch700n Both I found on sale for $100. In July it was an Amazon deal of the day for $100 and Christmas I found them at best buy for $100 for my daughter. They are comfortable and sound good. I'm guessing they aren...
by UALflyer
Wed Jan 02, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2917

Re: Thoughts on the new Maxima?

There is a big difference between the total reliability ratings of a car brand/model and cherry picking some specific problems. The "total reliability of a brand" is one of the most meaningless metrics out there. It really surprises me how many people end up paying close attention to this particula...
by UALflyer
Wed Jan 02, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3097

Re: Noise cancelling headphones for plane trips, advice?

Whatever your preference in terms of form factor, note that headphone jacks are disappearing from mobile devices. My new iPad Pro 3rd generation doesn't have one, nor do many of the newest iPhones. You can buy adapters for wired headsets that plug into the power port, but the first two I bought on ...
by UALflyer
Wed Jan 02, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3097

Re: Noise cancelling headphones for plane trips, advice?

Bose is the gold standard for noise-canceling. The QC35 if you need wireless, or QC25 if you don't (the latter is well under $200). Sony's WH-1000X (there are a few models available, the older ones are cheaper) is supposed to be almost as good. The Bose were the best until last year. The sony 1000x...
by UALflyer
Wed Jan 02, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3097

Re: Noise cancelling headphones for plane trips, advice?

I just bought my first pair of quality noise cancelling headphones. I can tell you what I did and what I think. You'll have to decide if you want over the ear or in ear, and if you care about cost. My comments are for over the ear headphones. Noise cancelling isn't free. Unlike many things these da...
by UALflyer
Mon Dec 31, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2917

Re: Thoughts on the new Maxima?

I also know some people that had issues with the CVT in late 2000 era Altimas, so overall I don’t feel Nissan quality is quite there compared to other brands. Unfortunately, all automakers have had their share of high profile, embarrassing and expensive issues. Honda: https://wheels.blogs.nytimes.c...
by UALflyer
Tue Dec 18, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Loan and Buy vs Rent (already searched forums)
Replies: 33
Views: 2009

Re: Physician Loan and Buy vs Rent (already searched forums)

Concerning the down payment, if the cost of the mortgage were $0.00, you may be right. However, putting less than 20% down almost assuredly results in a higher interest rate. I addressed this upthread. As I mentioned there, the usual downside of physician loans is the fact that they are portfolio l...
by UALflyer
Tue Dec 18, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Loan and Buy vs Rent (already searched forums)
Replies: 33
Views: 2009

Re: Physician Loan and Buy vs Rent (already searched forums)

Financially sub optimal would mean you can predict the future. No, it doesn't. It means that a 5% mortgage rate, even after a tax deduction, is going to be higher than 0%, 2.9% and 3.375% that he has on his loans (assuming that the interest rate on the current loans is fixed; if the rates are varia...
by UALflyer
Tue Dec 18, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Loan and Buy vs Rent (already searched forums)
Replies: 33
Views: 2009

Re: Physician Loan and Buy vs Rent (already searched forums)

I recommend to focus on eliminating the consumer debt and student loans before buying a house to simplify life, reduce risk, and to focus one's wealth building regardless of the interest rate . Because of the bolded part, your advice is financially sub-optimal. Paying down lower interest debts whil...
by UALflyer
Tue Dec 18, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Physician Loan and Buy vs Rent (already searched forums)
Replies: 33
Views: 2009

Re: Physician Loan and Buy vs Rent (already searched forums)

I would recommend the OP wait a year or two and then buy. By then they can be debt free and have a decent down payment. In the OP's particular case, assuming that the interest rates are fixed, why would it be a virtue to be debt free? His car loans are at 0% and 2.9%, while his students loans are a...
by UALflyer
Tue Dec 18, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Physician Loan and Buy vs Rent (already searched forums)
Replies: 33
Views: 2009

Re: Physician Loan and Buy vs Rent (already searched forums)

Buying a house, especially as a doc is the first step in lifestyle creep if you are not extremely careful. Lifestyle creep is always a concern, and is a particular concern for physicians, who, because of their residency/fellowship, end up having a late start and frequently feel like they need to qu...
by UALflyer
Tue Dec 18, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Physician Loan and Buy vs Rent (already searched forums)
Replies: 33
Views: 2009

Re: Physician Loan and Buy vs Rent (already searched forums)

I am going to respectfully disagree with most of the posters advising the OP not to buy until he can put down 20%. The requirement for a 20% downpayment on conventional loans is there for the lenders' protection rather than the borrowers'. All that the 20% downpayment accomplishes is to ensure that ...
by UALflyer
Fri Dec 14, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21192

Re: Best values at Costco? Honestly, a little disappointed...

The cash back we get on the Costco Visa more than covers our membership fee. I like Costco, but do not find the Citi Costco Visa card to be a great value, and use other credit cards instead. For instance, the Citi Costco Visa card gives 4% cashback on gas (for the first $7K/year). Many other credit...