Search found 119 matches

by Bidwell
Tue Jan 03, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Dividend Distribution
Replies: 28
Views: 5162

Re: USAA Dividend Distribution

Received notice of USAA's Subscruber Dividend thought it was a mistake - low this year. Reserve cash for major claim events is their first priority. During 50 plus years with USAA this "dividend" has fluctuated quite a bit.
by Bidwell
Sat Dec 24, 2016 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 10922

Re: Reliable washer/dryer brands

[quote="SanityCheck"]The only real reliable washer these days is a "rock down by the river'" ; and a "rope between two trees" for a dryer ! Unfortunately, laundry appliances seem to be oriented around a 5-7 year obsolescence cycle purposely by the manufacturers. The days of Grandma getting 25 years ...
by Bidwell
Sun Dec 18, 2016 1:14 am
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 19412

Re: How old is your vehicle?

2014 Honda CRV 31,000 miles - runs new
2014 Ford F-150 26,000 miles - runs new - replaced a 1997 250 w/340,000 miles
1930 Ford Model A Town Sedan - restoration 90 % finished - every piece/part refurbished or replaced - miles unknown
1931 Ford Model A Town Sedan - older restoration - 70k or 170k or ?
by Bidwell
Tue Dec 13, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 57421

Re: Flaunt Your High-Mileage Car

1997 F250 Light Duty 340,000 miles - sold it last year. Just tires, brakes, 2 oxygen sensors, used Mobil1 full synethic, and one set of plugs.
by Bidwell
Wed Dec 07, 2016 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 52
Views: 4607

Re: Help placing limit order for BND

I would like to purchase $300K of BND on monday. I would like to do this via a limit order and would appreciate some help on the limit. I see that it closed at 80.72 and was thinking of placing the limit at 80. I don't really want to overthink this and in the long term I don't think that a tiny gai...
by Bidwell
Sun Nov 27, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 10760

Re: Why does the car dealer say leasing is cheaper than buying?

SimonJester wrote:You know how to tell when a car dealer is lying right? Their mouth is moving...

I guarantee anything they are telling you is in their favor not yours...

So true........ same opinion here....
by Bidwell
Mon Sep 19, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: More on Scouting Retirement Locations
Replies: 35
Views: 3786

Re: More on Scouting Retirement Locations

Barefoot Girl, what fun to search for a new place, but work. My wife and searched for years and settled in Jupiter, FL. Our town has doubled in population in 15 years. We want to move but where to? Please post your progress. Love the Keys! But Big Money has driven real estate prices so high that "no...
by Bidwell
Thu Apr 21, 2016 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 11765

Re: Cannot Pay Huge Tax Burden

OP, I've read with fascination your analysis and the responses of others here of a possible calamity some 20 years off. I'm impressed with your planning. Once upon a time I did executive search with a bent toward corporate law. Everyone thinks that law grads find jobs in the law - Not true many, man...
by Bidwell
Tue Apr 12, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance?
Replies: 38
Views: 5160

Re: Preventative car maintenance?

My 13 year old Car with roughly 150K miles is having overheating issues and I decided to get the thermostat and all hoses replaced (they were all original prior), and have recently had all my belts replaced and water pump. What sort of preventative maintenance schedules do Bogleheads use for cars t...
by Bidwell
Mon Apr 04, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: How to purchase a car from someone on facebook and transport
Replies: 31
Views: 2969

Re: How to purchase a car from someone on facebook and transport

DON'T DO IT! The internet has made it way too easy to find cars hundreds of miles away, and too many times people are seriously disappointed or just ripped off! I went to see a car recently that looked great in the seller's pictures, and it was nothing like that in person. He'd obviously posted pic...
by Bidwell
Fri Jan 15, 2016 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it
Replies: 70
Views: 10663

Re: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it

So Mister 29 and Quitting..... Your plan sounds great to this old man. It fullfills all those youthful values and flights of instant gratification that many of us have missed, me included. My vote is Yes, if and only if, you are willing to toss your career into the "pending box" with the understandi...
by Bidwell
Fri Jan 15, 2016 11:28 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 8919

Re: Navy Federal CU Special Certificate Offering

Credit Unions offer much to those starting out in life with no credit, few or no dollars and an entry level job. In 1965 I was hitchhiking back and forth from a Navy classroom to a government leased apartment which were miles apart. There were no buses or cabs. Funny how the service "takes care" of ...
by Bidwell
Wed Dec 16, 2015 5:42 pm
Forum: Personal Consumer Issues
Topic: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?
Replies: 43
Views: 5024

Re: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?

I found Bogleheads.org by reading the WSJ. Finding this website could save me 10's of thousands over my lifetime. I don't remember how I found this site but jee wiz it's fantastic. Thank you to all the people who make it "run" so successfully - those who volunteer and those who develop and write su...
by Bidwell
Mon Dec 07, 2015 9:57 am
Forum: Investing - Help with Personal Investments
Topic: USAA vs Vanguard
Replies: 67
Views: 12857

Re: USAA vs Vanguard

Welcome. I'm a relative newbie, too. also a USAA member, and while I love that firm for insurance and convenience, I moved my IRA's from USAA to Vanguard years ago. Normally, its a simple process to roll like into like, without having to cash them out first. But you call Vanguard and ask them how t...
by Bidwell
Fri Dec 04, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: I drive 20k miles/yr. Should i buy an extended warranty for my new car?
Replies: 16
Views: 1693

Re: I drive 20k miles/yr. Should i buy an extended warranty for my new car?

In a long exposure to the car biz including running a store in Thousand Oaks, CA where some drivers will put 50k miles on a car a year, I've not seen any value in extended warranties. The trick at 20k plus miles a year is to be a stickler for maintenance. Switch to full synthetic "oils", change that...
by Bidwell
Thu Nov 12, 2015 6:38 am
Forum: Personal Consumer Issues
Topic: Complete Car Noob- Help Making First Vehicle Purchase
Replies: 72
Views: 9191

Re: Complete Car Noob- Help Making First Vehicle Purchase

cjcerny wrote:Just buy a newer Accord if you like it. It's still a fine choice. Just be aware that a 1 or 2 year old Accord will probably set you back at least $18k or so.

Yes to this or Civic. Hard to beat the Honda or Toyota small cars for long term reliability.
by Bidwell
Tue Nov 10, 2015 8:43 am
Forum: Local Chapters and Bogleheads Community
Topic: US Marine Corps' 240th Birthday [also, Armistice Day]
Replies: 25
Views: 3250

Re: US Marine Corps' 240th Birthday

Happy Birthday to the the United States Marine Corps and to all Marines and their families. Happy Birthday to my late father (WWII Marine) who lived that saying: Once a Marine Always a Marine. I think of my friend the late Colonel Reg Myers with whom I used to have dinner. One evening he said "I was...
by Bidwell
Sun Nov 08, 2015 12:02 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 165
Views: 29726

Re: Where to retire in Florida?

Be careful of HOA situations. Caveat Emptor. Curious to know if you are suggesting that they are any worse in Florida than in other states or perhaps that is the only state where you have experience with them? RE: other comments about unbearable heat in Florida in summer....The absolutely most drea...
by Bidwell
Wed Oct 21, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: buying a used car from a dealer - fees etc
Replies: 12
Views: 1840

Re: buying a used car from a dealer - fees etc

Here is what a car buyer should focus on - Total cost of a car purchase = purchase cost + local/state tax + tag fee + title fee. Doc fee, marketing fee, region fee, dog ate my homework fee, whatever the dealer chooses to call their add on fees really does not matter. What you need to focus on is th...
by Bidwell
Fri Sep 18, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: My Car Broke. Buy New Car or Fix?
Replies: 50
Views: 6516

Re: My Car Broke. Buy New Car or Fix?

Your first loss is your best loss in the car world. Get a new or late model Honda, Toyota or Subaru. Do not fix the engine. Good luck. Sell your as you can.
by Bidwell
Sun Jul 19, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 62
Views: 35102

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

I would perform the maintenance that the owners manual suggests but none of it needs to be done by the stealership. Any good auto shop can do basic preventative maintenance for a lot less money. Holy Bogleheads, No No don't do it. Follow BluFin here. Open your car manual, it will talk about oil and...
by Bidwell
Thu Jun 25, 2015 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Managed portfolio to index funds
Replies: 8
Views: 968

Re: Managed portfolio to index funds

I am sorry for your loss of your husband! Of course the broker is throwing a fit and trying to convince you why you need him, he gets 2% of YOUR money for doing nothing. Well, he does make some adjustments to justify keeping him. But nothing worthy of an ongoing 2% a year as you have realized. Call...
by Bidwell
Sun Apr 19, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 52
Views: 5247

Re: Car for teen ager

I gave and still give cars to my family members. It makes sense to give the best you can afford to your daughter. I love Honda and Toyota products, new and used, for this purpose. If the car isn't new make sure it's mechanically ready your young driver. In my opinion, an automible is a necessity in ...
by Bidwell
Wed Apr 08, 2015 8:39 pm
Forum: Personal Consumer Issues
Topic: Car maintenance/time to change car?
Replies: 27
Views: 3539

Re: Car maintenance/time to change car?

My son bought a 2002 Toyota Camry just like yours and drove it for 3 years; it was passed on to a nephew last week. My suggestion is to take the car to an auto parts store that will check/read the OBD II "codes" (for free) or buy an OBD II reader and do it yourself. Advance Auto reads the codes as a...
by Bidwell
Tue Feb 17, 2015 7:41 pm
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 5921

Re: Extended car warranty - worth it?

RUN AWAY This is a very bad deal for you. These aftermarket service plans rarely pay out when you expect them to and will do anything to avoid paying a claim. Even most factory extended warranties are not a good deal. These companies make a lot of money off these products. That's why most manufactu...
by Bidwell
Sat Feb 14, 2015 9:42 pm
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 8900

Re: Car issues. [2009 Cadillac CTS - fix or sell]

This appears - https://www.google.com/search?q=2009+CTS+high+oil+consumption - to be a common problem with this engine, both in the CTS and the GMC Acadia. If it were me, I'd trade it in now and let the dealer handle it. As suggested above, a Subaru Legacy wagon appears to be a better fit for your ...
by Bidwell
Sat Feb 14, 2015 9:36 pm
Forum: Personal Consumer Issues
Topic: Cost of a car paint job?
Replies: 19
Views: 20073

Re: Cost of a car paint job?

Three answers (1) use Maaco unless it's a Gem (2) labor for prep, paint and clear coat materialsand the labor could be that $4500 or more. Is the car worth that? (3) do it yourself with Rustoleum.
by Bidwell
Sat Feb 14, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 39
Views: 35394

Re: Overfilled Oil in Car - Cause of Oil Leak?

My experience is that the "oil fill experts" do not put a new washer on drain plug each time. They then over tighten the old drain plug and of course it leaks OR it could be that the filter isn't tight. Good Luck.
by Bidwell
Thu Sep 04, 2014 8:33 pm
Forum: Personal Consumer Issues
Topic: Going to be need to purchase a new car soon, need help
Replies: 33
Views: 3237

Re: Going to be need to purchase a new car soon, need help

I have heard that a dealer will say "we need a copy of your DL if you are going to test drive our car" - but that is really a way to run a credit check on you. Too many credit checks hurts your score, so don't let them run this scam on you. Yes, you do have to join a credit union to get a loan, but...
by Bidwell
Sun Aug 31, 2014 2:07 pm
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 5064

Re: Help me evaluate a standby generator quote

Three quotes should solve your concern. The quote given sounds high, I'd let other competitive bids validate the one you have. My home is in South Fla where local authorities promise prompt service after the storm but don't or can't deliver. We've experienced three hurricanes with power out for up t...
by Bidwell
Tue Jul 29, 2014 4:09 pm
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 6885

Re: How does car trade-in works?

A dealer will not give you more than wholesale if you trade-in. It could be less but not more. They try to determine what's important to you. If you want more for your trade-in than wholesale, they may give you more and make up the difference in the price of the car you are buying. They are good at...
by Bidwell
Fri Jun 13, 2014 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Suckered Into Whole Life -- What To Do?
Replies: 33
Views: 4627

Re: Suckered Into Whole Life -- What To Do?

Dump whole life insurance. Get term insurance when you get married and have kids. Agree $100% with the above. It also happened to me w/USAA some years ago. Deep six the policy. I've been a member for fifty years and no longer trust their intent, products and people. Their mutual funds bite when com...
by Bidwell
Sat Jun 07, 2014 6:51 pm
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 11349

Re: How To Encourage A Young (Sensitive) Child In Sports

I did force my kids to go to the public schools I wanted them to go to, but that ended at high school graduation. Other than that, the only thing they were forced to do was say please and thank you and never call an older person by a first name. Oh, and kiss older relatives and family friends on th...
by Bidwell
Sun May 18, 2014 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: car rebate - based on who's zip code?
Replies: 6
Views: 931

Re: car rebate - based on who's zip code?

Rebates. While factory people hate them and many dealers are thrilled to have them, Rebates are like cars themselves as the come in all kinds of varieties. Your rebate that varies as to zip code could actually be one offered by a metro Dealer Advertising Association that piggy backs a factory sponso...
by Bidwell
Thu May 15, 2014 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on used high mileage car?
Replies: 17
Views: 1596

Re: Suggestions on used high mileage car?

[quote="surfstar"]An older, well-maintained Honda Civic or Toyota Corolla/Geo Prizm. Saturns are reliable, have low-resale and get great mpg. You want the slower, SOHC engine. Many burn oil, but are reliable as can be, just need to check/add oil as needed. In my opinion, its helpful to find a manual...
by Bidwell
Mon May 12, 2014 6:16 pm
Forum: Personal Consumer Issues
Topic: Car buying psychology
Replies: 30
Views: 4092

Re: Car buying psychology

What is a doc fee? Tc101, the Doc or Documentation Fee is a fabricated charge by dealers to enhance their gross. Since it is a Fee, the dealer does not use it in calculating salesmen 's commission. In some areas to it's up to $500. Some states have regulated the amount that can be charged as a Doc ...
by Bidwell
Mon May 12, 2014 1:16 pm
Forum: Personal Consumer Issues
Topic: Car buying psychology
Replies: 30
Views: 4092

Re: Car buying psychology

Test drive a car. Leave. Figure out exactly what features you want. Email several dealers. Better yet, find one or get them to find one with those features and only those features. They will try to sell you one with those features but additional options that add up. Email all the dealers that VIN a...
by Bidwell
Sun May 11, 2014 7:25 am
Forum: Personal Consumer Issues
Topic: Why do these people want to buy my home?
Replies: 24
Views: 9823

Re: Why do these people want to buy my home?

EmergDoc wrote:These are usually real estate investors looking for people desperate to sell. The offer is usually less than market price, but they can close fast with cash.
+1 Beware of wolves in sheep's clothing......
by Bidwell
Tue Apr 29, 2014 9:22 am
Forum: Personal Consumer Issues
Topic: Moving Dad to nursing home this week
Replies: 11
Views: 3064

Re: Moving Dad to nursing home this week

I went through this with my parents and we consulted with an elder care attorney, this helped a lot. If you happened to be in Texas I would be happy to share the attorney's name. Allan 100% agreement with Allan. Do it soon. Then, Visit with the Administrator, DON, learn who the charge nurses are, m...
by Bidwell
Mon Apr 28, 2014 1:12 pm
Forum: Personal Consumer Issues
Topic: Accommodation for Road Trip on I-95
Replies: 26
Views: 4496

Re: Accommodation for Road Trip on I-95

Are you sure about Fla. It's 90 deg today and humid like a wet blanket. The summer sun is turned on now so that exposed skin gets broiled. I love Fla in the winters but...... I wish you a safe and fun journey.
by Bidwell
Sun Apr 20, 2014 7:47 pm
Forum: Personal Consumer Issues
Topic: Best tires for Honda Odyssey EX-L 2011?
Replies: 16
Views: 17736

Re: Best tires for Honda Odyssey EX-L 2011?

Michelin Tires from Costco is the safest bet on quality.
by Bidwell
Sun Apr 20, 2014 7:43 pm
Forum: Personal Consumer Issues
Topic: "Best" place for new tires and tire protection plans = B.S.?
Replies: 34
Views: 8933

Re: "Best" place for new tires and tire protection plans = B

A Local retail tire store with a strong local recomendation beats anything. I used costco and liked them but thought their price was high. I've used a Goodyear store, then Sears and won't go back to either - poor installation. Sears is the pits.
by Bidwell
Wed Apr 16, 2014 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends in securities individually?
Replies: 3
Views: 368

Re: Reinvesting dividends in securities individually?

I've been doing the same thing as the market allows. In the recent past I was heavily invested in Dividend Stocks and Tech and have pared that percentage by 60%. I've found that life is happier with Indexing and my investment is more efficient. Selling stocks now and taking a loss to convert to inde...
by Bidwell
Tue Apr 15, 2014 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: When to let go of financial matters
Replies: 9
Views: 2232

Re: When to let go of financial matters

Your insightful question suggests to me that your capabilities are superb. Over seventy myself and having had a post military career in long term care (which I loved), I would suggest that there is no time like to present to get out of brokerage and into an asset allocation with Vanguard index funds...
by Bidwell
Mon Apr 14, 2014 11:52 am
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 5460

Re: Mother Of Bog! I'm Uncertain/Frightened To Buy Fund

Wolf, did you move your funds out of Morgan Stanley. If not, All you have to do is open an account with Vanguard or another. And at the same time fill out a transfer form which can pull your money out in kind then once in Vanguard you can sell those funds and or keep them
by Bidwell
Sun Apr 13, 2014 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 5460

Re: Mother Of Bog! I'm Uncertain/Frightened To Buy Fund

Ps Wolf, take your time to read, absorb and understand.
by Bidwell
Sun Apr 13, 2014 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 5460

Re: Mother Of Bog! I'm Uncertain/Frightened To Buy Fund

Wolf , welcome. You'll get solid advice here as moderators and some well informed people read your post and respond. Take a while to read up on their suggestions. The advice here is priceless. I'm not qualified to give you advice okay, but with lots of money sitting on the sidelines what I did was p...
by Bidwell
Sat Apr 12, 2014 9:18 pm
Forum: Personal Consumer Issues
Topic: Another Used Car Question
Replies: 2
Views: 558

Re: Another Used Car Question

My I suggest going to Edmunds Used Cars online and checking their site which will key you into various cars based on price brackets. Honda, Toyota make good used car buys. If the car is perfect and low miles check it with a mechanic you trust - that you pay to inspect the car. Also on late models wi...
by Bidwell
Fri Apr 11, 2014 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Military guy looking for investment advice.
Replies: 10
Views: 1103

Re: Military guy looking for investment advice.

First: See the wiki entry: http://www.bogleheads.org/wiki/Military_finances Second: Avoid, evade, run away, "eject, eject, eject" from anything associated with "First Command" :x USAA is great for banking, good for insurance, and "meh" for investing. I've been with them for over 25 years (banking a...
by Bidwell
Thu Apr 10, 2014 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Military Member Needing Investing Advice
Replies: 10
Views: 1432

Re: Military Member Needing Investing Advice

Welcome TheGreek... If you stay for a service career your benefits in retirement are fairly good. I say that as a retired service member myself.No one ever knows what "the other sector" may have to give you though. So my tiny bit of advice is based on personnel experience. That being said, look at o...