Search found 173 matches

by Casper
Fri Oct 19, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 3021

Re: Selling to CarMax if maintenance lights on?

If you don't live too far from CarMax, just take it for a quote and find out. It takes 30 minutes and then you'll have an answer. If you think the price is too low, then ask them if getting the maintenance done will make a difference.
by Casper
Wed Sep 26, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 14
Views: 2448

Re: Car predicament

Kia and Hyundai cars have a 10 year / 100,000 mile powertrain warranty........ To the original purchaser. If you buy one used, you get zip. I'd also ask an independent mechanic for his opinion on replace with junkyard engine. He's sort of stuck with the car. Say he files bankruptcy and the court fi...
by Casper
Fri Aug 24, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3376

Re: Composite Decking Material

I would not build a beautiful Azek deck and then use pressure treated lumber for the balusters (I assume that's why you mean by "infill"). If you're spending the money for a composite/PVC deck, then get a railing system to match (there are lots of options). Pressure treated balusters will last a lon...
by Casper
Sat Jul 28, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5595

Re: Why dont people sit outside more? And how to deal with bugs?

Bug spray with deet. I guess it's not "natural," but it actually works, unlike most "natural" solutions. If there was a tried and true natural solution, you'd have heard of it by now.
by Casper
Wed May 16, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Patio furniture cover in the northeast
Replies: 9
Views: 711

Re: Patio furniture cover in the northeast

I live in the northeast and have never covered my patio furniture. After 15 years on my deck it looks brand new, apart from slight fading in the slingback material (which a cover wouldn't have prevented anyway, unless you use it in the summer). Same thing with my Weber grill. 10 years outside. Cover...
by Casper
Thu Mar 22, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Opinions on Azek vs. composite (Trex/Timbertech)?
Replies: 13
Views: 15554

Re: Opinions on Azek vs. composite (Trex/Timbertech)?

OP here. We ended up choosing TimberTech. We liked Azek a lot, and were surprised (after hearing how expensive it is) to get a quote for an Azek deck that was almost the same price as another contractor's quote for TimberTech. But when it came time to choose a contractor, we felt more comfortable wi...
by Casper
Fri Mar 16, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Opinions on Azek vs. composite (Trex/Timbertech)?
Replies: 13
Views: 15554

Opinions on Azek vs. composite (Trex/Timbertech)?

Replacing our pressure-treated deck with either composite (Trex or TimberTech) or Azek, and welcome any opinions from Bogleheads who've installed either in the last couple of years. We hadn't been considering Azek because of the supposed cost, but received a very reasonable quote (for the Azek "Vint...
by Casper
Wed Jan 03, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Recommend me a backpack for business use
Replies: 21
Views: 1773

Re: Recommend me a backpack for business use

Thank you everyone for the excellent suggestions!
by Casper
Wed Jan 03, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Recommend me a backpack for business use
Replies: 21
Views: 1773

Recommend me a backpack for business use

I'd love to hear recommendations for a nice backpack for professional/business use. I've always used a leather briefcase/shoulder bag, and will continue to do so when necessary, but am interested in a nice looking, functional backpack for everyday use to/from work. Bonus if it can double as a carry-...
by Casper
Thu Dec 21, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: Receiving unexpected SMS security codes
Replies: 7
Views: 1249

Re: Receiving unexpected SMS security codes

If you use Personal Capital or some other financial aggregator, it could also be their auto-update feature triggering the code. I noticed that soon after I set up 2-step authentication on some accounts a few weeks ago. Turned off auto-update on Personal Capital and it hasn't happened since. Also, in...
by Casper
Wed Oct 18, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 7583

Re: Trash dumped on curb (need advice)

Something very similar happened on my street, though over a much shorter timeframe than you might be facing. My next door neighbor was moving, and he basically cleaned out his entire house and put everything on the curb the morning of the day he had settlement. I knew the trash guys would never take...
by Casper
Wed Oct 04, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Newborn
Replies: 20
Views: 1895

Re: Dental/Vision Insurance for Newborn

Add me to the list of people who say it's not necessary yet. Wanted to add one note on vision insurance. Vision insurance would typically cover periodic eye check-ups, glasses, contacts, etc. Regular health insurance should still cover visits to an eye specialist to examine a particular vision issue...
by Casper
Thu Jul 20, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA For 1 Month (?)
Replies: 11
Views: 1900

Re: COBRA For 1 Month (?)

You're correct. You have 60 days to sign up for COBRA, and coverage is retroactive to your termination date. I recently did something similar when I changed jobs and was technically without insurance for 45 days. The HR person at the job I was leaving alerted me to it, I researched it a bit, and it ...
by Casper
Thu Jul 20, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Keurig vs coffeemaker - and the Keurig won
Replies: 53
Views: 6783

Re: Keurig vs coffeemaker - and the Keurig won

We have small kids, so we put a small Keurig in our master bathroom so we can secretly make coffee in the mornings without having to go down our creaky wood stairs and wake them up. But we also use a drip coffeemaker after that first surreptitious cup is gone. I've had no problems with Keurig coffee...
by Casper
Mon Jul 17, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 106
Views: 13639

Re: Is it still worth buying a house in a state with insane property taxes

Property taxes per se don't matter. The question is whether the overall cost - mortgage payment, insurance, and taxes - is worth it. At the end of the day, it doesn't matter to you how much of the check goes to the government and how much goes to the bank. It is possible that a house with higher ta...
by Casper
Fri Jul 14, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 3369

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

Mazda 5. Smallest "van" that can fit 6 people. It's the same length as Golf Sportwagon, weighs a bit more. Funny you mention that, the Mazda5 had been my recommended choice for young families and with its demise there is nothing comprable. My in-laws bought a Mazda 5 for pretty much the same reason...
by Casper
Fri May 19, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 5204

Re: Rice Cooker

I've never used a rice cooker and am just wondering what is the difference versus making rice in a pot on the stovetop? I take one cup of rice and two cups of water, bring to boil, cover and cook for 20 minutes. Don't stir or open the lid. It's easy and comes out perfectly and everyone loves it. Is ...
by Casper
Sun May 07, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 4631

Re: Swing Set 2700.00??

As others have said, it's the installation that drives the cost up. It takes many hours to build one. If you are even remotely handy, and have a friend/relative to help out, just build it yourself. I bought a nice wooden set from Lowe's for $500. Has been used almost daily in the spring/summer/fall ...
by Casper
Fri Mar 24, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 8670

Re: How did graduating out of daycare impact your finances?

At least in our experience, the cost of daycare absolutely dwarfs every other financial obligation. Regardless of how much more they eat (to a large extent, controlled by the parents) or how many more activities they become involved in (again, largely controlled by the parents), in our situation, t...
by Casper
Wed Mar 15, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 8876

Re: Buying a rental car.. Any new experience?

barreg wrote:While traveling for a large consulting company, one of my co-worker's favorite sayings was "Do you know what the difference is between a rental car and a four wheel drive? A rental car can go anywhere."
And then where did this co-worker actually drive the rental car?
by Casper
Mon Mar 13, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 103
Views: 170712

Re: Experience selling car to Carmax?

In 2007 I was selling a 1998 F-150 after I bought a new truck. Carmax had higher mileage, less well equipped F-150s advertised for sale for $10,000. They offered me $5,000. That is quite a profit margin. I sold privately for $7,000. Check what Carmax is advertising as the sale price of a very simil...
by Casper
Wed Mar 08, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 8876

Re: Buying a rental car.. Any new experience?

Just curious why so many people say this? Whenever I've rented a car, I've been super careful with it, because I'm spooked about getting any scratches or damage that I'm going to have to pay for. Why do people think rental cars are abused? Just asking because it's a statement I see on this site all...
by Casper
Tue Mar 07, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 8876

Re: Buying a rental car.. Any new experience?

I think you have to be careful buying previous rental cars. Most people that drive them do not care about them at all and will abuse them. That being said they usually have all their service up to date. Just curious why so many people say this? Whenever I've rented a car, I've been super careful wi...
by Casper
Thu Mar 02, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Price of a used Honda Odyssey
Replies: 31
Views: 3051

Re: Price of a used Honda Odyssey

I'm one of the people who started a thread a couple weeks back about a CPO Odyssey, and people gave me the "you might as well buy new" advice. At the price point I was initially considering ($30k for an EX-L w/ Nav), they were right. I eventually bought a 2015 EX-L with 20k miles for $26,700. I was ...
by Casper
Thu Mar 02, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 11010

Re: Tell me about Smart TVs and cutting cable

At $117 you are on the lower end of what people with "full cable" might be paying. So you are fine staying put. Some are paying $150, $175 for their internet/phone/tv bundles. Our internet is $42.95, Playstation Vue is $34.99 and Netflix is $11.99. $89.93 total. I agree it isn't worth switch for ~$...
by Casper
Thu Mar 02, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 11010

Re: Tell me about Smart TVs and cutting cable

Whenever these threads come up, I ask myself if I should "cut the cord," and the answer for me is always no. I checked last night, and I pay $117 month for internet (50/25) and cable (I believe it's Verizon Ultra HD package), with DVR. I don't watch 489 out of the 500 channels, but I do watch severa...
by Casper
Wed Mar 01, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 9814

Re: Climate and happiness revisited

My wife and I confront this issue every year as well. It wasn't so bad before we had kids, but being cooped up in a house with two small children from December through March is torture for us. We often can't wait to get back to work on Monday, after dealing with the kids in the house all weekend. Ye...
by Casper
Fri Feb 10, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Deal on 2016 CPO Honda Odyssey
Replies: 34
Views: 3104

Re: Deal on 2016 CPO Honda Odyssey

Update from OP here. My choice is now between the following: - CPO 2015 Odyssey EX-L with 20,000 miles: $26,700. OTD would be about $27,200. - New 2016 Odyssey EX-L: $31,600. OTD would be $32,413. Thoughts? Does this weigh the decision more towards CPO in anyone's mind? At least now you're saving a...
by Casper
Fri Feb 10, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Deal on 2016 CPO Honda Odyssey
Replies: 34
Views: 3104

Re: Deal on 2016 CPO Honda Odyssey

Update from OP here. My choice is now between the following:

- CPO 2015 Odyssey EX-L with 20,000 miles: $26,700. OTD would be about $27,200.
- New 2016 Odyssey EX-L: $31,600. OTD would be $32,413.

Thoughts? Does this weigh the decision more towards CPO in anyone's mind?
by Casper
Thu Feb 09, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Deal on 2016 CPO Honda Odyssey
Replies: 34
Views: 3104

Re: Deal on 2016 CPO Honda Odyssey

Thanks all for the replies. Very helpful. I'm surprised so many people came out against going with a CPO, but your comments have made me reconsider. Going to see how low I can get the price on the CPO, but will also take another look at a new 2016. A new 2016? Don't you mean a new 2017? I wouldn't ...
by Casper
Thu Feb 09, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Deal on 2016 CPO Honda Odyssey
Replies: 34
Views: 3104

Re: Deal on 2016 CPO Honda Odyssey

Thanks all for the replies. Very helpful. I'm surprised so many people came out against going with a CPO, but your comments have made me reconsider. Going to see how low I can get the price on the CPO, but will also take another look at a new 2016.
by Casper
Thu Feb 09, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Deal on 2016 CPO Honda Odyssey
Replies: 34
Views: 3104

Re: Deal on 2016 CPO Honda Odyssey

I just bought a car and may have left a few hundred on the table with the Carmax trade. Assuming you have the Carmax offer in advance and would be content with it. Wait for them to give you a number and then tell them to never mind, Carmax was much better and you will just sell to them. They will o...
by Casper
Thu Feb 09, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Deal on 2016 CPO Honda Odyssey
Replies: 34
Views: 3104

Re: Deal on 2016 CPO Honda Odyssey

I would not buy used unless I save many thousands of dollars, especially if you plan to keep the van for years. Have you negotiated the best deal possible on a brand new one? Many people look at the sticker of a new one, with all of the bogus dealer add ons, and think that is the price they have to...
by Casper
Thu Feb 09, 2017 6:59 am
Forum: Personal Consumer Issues
Topic: Deal on 2016 CPO Honda Odyssey
Replies: 34
Views: 3104

Deal on 2016 CPO Honda Odyssey

I'm looking at purchasing a certified pre-owned Honda Odyssey. It seems like a lot of bogleheads have bought Odysseys at some point, so thought I'd run one deal by you all. Would also love to hear about any experiences with buying or owning CPO Hondas, as this is my first. I'm considering a CPO 2016...
by Casper
Mon Jan 30, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 193
Views: 59635

Re: Vanguard's Wellesley Income fund is incredible

Independent George wrote:I don't know about 'incredible', but I hold Wellesley as my 'intermediate' tier of savings.
Are you holding it in taxable?
by Casper
Thu Dec 29, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: Fenway Park
Replies: 22
Views: 2658

Re: Fenway Park

When my wife and I made a similar trip in 2010, we used Priceline and ended up at the Omni Parker House for $85 a night. It's a great location downtown and we just walked the 2.5 miles to Fenway (stopping several times for "refreshments" along the way). Took the T back after the game.
by Casper
Tue Dec 20, 2016 5:06 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 90
Views: 15052

Re: Amazon Prime Getting Stingy?

Lately, I noticed that if item price is lower than from when the order was placed and item hasn't shipped, Amazon will still not refund the difference. Wasn't like that few months ago. I couldn't cancel and re-order since I was using one-time promotional codes but I've also upped the game. Now, mos...
by Casper
Mon Dec 19, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Opening an investment account for children
Replies: 5
Views: 1112

Re: Opening an investment account for children

I did this a couple years ago for our two kids. I avoided UTMA for the reasons stated by another poster. I simply bought a separate batch of Total Stock Market in my existing Vanguard taxable account, and add to it periodically. It's under my name, but appears separately in my account and is earmark...
by Casper
Thu Dec 15, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: How will you tip this Christmas?
Replies: 51
Views: 5803

Re: How will you tip this Christmas?

Every year I see these conversations about tipping and am reminded about how strange and irrational it is.
by Casper
Mon Nov 28, 2016 10:30 pm
Forum: Personal Consumer Issues
Topic: Trailer on an Odyssey? [Is an Odyssey even the right choice?]
Replies: 34
Views: 6406

Re: Trailer on an Odyssey?

flossy21 wrote:Keep in mind you will have to insure and license a trailer plus pay personal property taxes on it.
I think this varies by state. I live in PA and tow a camper, but don't have to insure it. Annual registration fee is trivial. Insurance, if I had chosen to get it, was quoted at $29 annually.
by Casper
Thu Nov 10, 2016 3:31 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 14392

Re: Slipping last few days- time to buy now or wait until after 11/8?

I mostly invest in Vanguard mutual Funds (total stock index is my main one) and have some funds available to add to the portfolio. I noticed that in the last few days, its been down every day and am thinking of making the buy today. However, with election day coming up - would it be wise for me to ...
by Casper
Thu Sep 29, 2016 6:06 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation in taxable close to retirement
Replies: 8
Views: 1551

Re: Asset Allocation in taxable close to retirement

There is no one right answer to this. I prefer (for several reasons) to hold a separate taxable account, the purpose of which is to support an early retirement if I want or need to do that. The taxable account (actually many custodians) has a separate asset allocation. While I do concern myself wit...
by Casper
Wed Sep 21, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 8129

Re: "Women and Investing" class offered by Employer

I don't think we can necessarily assume that this is going to be some kind of brow-beating sales pitch where these poor unfortunate women are going to be intimidated and taken advantage of (as some posters have said), which itself sounds kind of sexist or at least reliant on stereotypes. Nothing se...
by Casper
Wed Sep 21, 2016 8:54 am
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 8129

Re: "Women and Investing" class offered by Employer

My employer has offered several seminars by an evil, international, mega-investing company... Vanguard. I've generally found them helpful, even if I know in the back of my mind that the more I invest with Vanguard, the more money they make (gasp!). I don't think we can necessarily assume that this i...
by Casper
Tue Sep 20, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Education cost and kids
Replies: 64
Views: 6441

Re: Education cost and kids

Maybe I missed it, but no one has mentioned the opposite effect of parents paying for college: kids wanting to excel to make their parents' investment worthwhile. Of course this goes back to how you raise your kids. But some college students, knowing that their parents are paying full freight, will ...
by Casper
Sun Sep 11, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 5534

Re: Toyota, Honda, Nissan or Chrysler Minivan?

I recommend checking out the Kia Sedona. We have a 2015 SX and it's great. They redesigned it for the 2015 model year and we compared it to Honda and Toyota and went with the Sedona. We've had it almost 2 years and have no regrets. Great car, inside and out. Excellent warranty as well.
by Casper
Mon May 23, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: Ineffective/Dangerous Sunscreens
Replies: 34
Views: 3720

Re: Ineffective/Dangerous Sunscreens

So not only do We have to worry about whether sunscreens actually provide the stated protection, but now we have to worry about trading one risk for another. What's the common sense Bogleheads non-medical but good-consumer answer here? Find a sunscreen that provides a level of protection you're com...
by Casper
Mon May 23, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: Ineffective/Dangerous Sunscreens
Replies: 34
Views: 3720

Re: Ineffective/Dangerous Sunscreens

So not only do We have to worry about whether sunscreens actually provide the stated protection, but now we have to worry about trading one risk for another. What's the common sense Bogleheads non-medical but good-consumer answer here? Find a sunscreen that provides a level of protection you're com...
by Casper
Tue May 10, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Retire now or OMY, [One More Year]
Replies: 65
Views: 11309

Re: Retire now or OMY, [One More Year]

Evaluate the acronym of OMY, OLY. Which one is more important to you? +1 It's OMY of work, and OLY of your life. If I were in your situation, I would be thinking more about OLY than OMY. I think you guys are looking for the acronym YOLO - You Only Live Once. No, I was just viewing OLY [One Less Yea...
by Casper
Tue May 10, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Retire now or OMY, [One More Year]
Replies: 65
Views: 11309

Re: Retire now or OMY, [One More Year]

basspond wrote:Evaluate the acronym of OMY, OLY. Which one is more important to you?
+1

It's OMY of work, and OLY of your life. If I were in your situation, I would be thinking more about OLY than OMY.