Search found 7938 matches

by Jack FFR1846
Mon Nov 19, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Crosstrek PHEV
Replies: 10
Views: 402

Re: 2019 Subaru Crosstrek PHEV

We have a 13 Crosstrek limited with the CVT transmission with about 87k miles on it. One CVT replaced at 53k miles and ideally, I'd like to replace it at 100k when the factory extended warranty on the CVT ends. Considering this along with other options. What today's Crosstrek lacks is low end power....
by Jack FFR1846
Mon Nov 19, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Crosstrek PHEV
Replies: 10
Views: 402

Re: 2019 Subaru Crosstrek PHEV

https://forums.nasioc.com/forums/showth ... 557&page=4

Post #86 (last page as of this) for lots of details and pictures.
by Jack FFR1846
Mon Nov 19, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Crosstrek PHEV
Replies: 10
Views: 402

2019 Subaru Crosstrek PHEV

I was blindsided with this video today on the intro page to NASIOC. Either I have not been paying attention or Subaru keeps secrets even better than Honda does. https://www.youtube.com/watch?v=bVMNuzepOBM Better 0-60 by a second than the non hybrid, 500 pounds heavier, offroad capable. It's still a ...
by Jack FFR1846
Mon Nov 19, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Best car for Motus reimbursement?
Replies: 1
Views: 165

Re: Best car for Motus reimbursement?

I think you have to do the math. I have worked for many companies who paid a fixed monthly allowance plus some form of mileage. The most stringent required the car be 5 model years old or newer, otherwise termination was soon to come. Even at that, my brand new car was fully paid by my car plan in 2...
by Jack FFR1846
Mon Nov 19, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: sell rental condo 6 miles from Crystal City, VA Amazon location?
Replies: 24
Views: 2344

Re: sell rental condo 6 miles from Crystal City, VA Amazon location?

Use the news to dump it now. Before this news of the 2 new HQ2 locations, what was the latest big news for Amazon. Hint, it was that they were going to RAISE their minimum wage to $15 an hour. The vast majority of Amazon workers are only getting $15 an hour. I really don't expect that they're going ...
by Jack FFR1846
Mon Nov 19, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: New car - aftermarket upgrades vs higher trim
Replies: 28
Views: 1718

Re: New car - aftermarket upgrades vs higher trim

I guess everyone has had different experiences. I've seen aftermarket leather installed in a base Outback at the Subaru dealer. It was the perfectly optioned car for me as both DW and I hate sunroofs but greatly prefer leather. I saw the car while visiting the parts department and at first, thought ...
by Jack FFR1846
Sun Nov 18, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: My car was totaled. Do any of you have experience with this process?
Replies: 46
Views: 2466

Re: My car was totaled. Do any of you have experience with this process?

My son had a similar experience. He was driving on a night when there was fog and at the top of a hill, it had flash frozen. A black car was parked on one side of the road and kids were fooling around at 11pm at the end of a driveway on the other side. He hit the ice and threaded between the car and...
by Jack FFR1846
Sun Nov 18, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: New car - aftermarket upgrades vs higher trim
Replies: 28
Views: 1718

Re: New car - aftermarket upgrades vs higher trim

Aftermarket leather is typically worlds better than OEM. Tint is easy. Replacing the head unit gets what you want at a much higher quality than stock.
by Jack FFR1846
Sun Nov 18, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Recent Windfall - Summary of Final Decisions
Replies: 2
Views: 494

Re: Recent Windfall - Summary of Final Decisions

After paying all of your debts, including mortgage if it exists, invest in the AA you have chosen. It appears you've put a lot of thought into what you want for an AA, so now it's time to deploy. With the amount you're talking, you won't need to maximize return or even re-balance. Because of this, t...
by Jack FFR1846
Sun Nov 18, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2008

Re: New Crossover Confusion.....

It's unfortunate people still speak of highway driving negating fuel savings of a hybrids. This all depends. If you drive a majority of miles on the highway at the speed limit (as opposed to in stop and go), look at the highway mpg and look for real world comparisons in Consumer Reports. While firs...
by Jack FFR1846
Sun Nov 18, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: 23 Fund Managed Portfolio: Is this normal?
Replies: 13
Views: 784

Re: 23 Fund Managed Portfolio: Is this normal?

I think you know that your sister is getting fleeced. $6000 would cover my portfolio if it were around $30MM. I'm only at 2.3M and about $500 a year total fees. Even with 10 separate accounts between my wife and me, we have far less funds than she does. The complexity is on purpose on the part of th...
by Jack FFR1846
Sat Nov 17, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: interesting call with my 80yr old mothers Fidelity advisor
Replies: 30
Views: 4731

Re: interesting call with my 80yr old mothers Fidelity advisor

I've had most of my money with Fidelity for 30 years. Currently 2 commas worth. I consider any manager or advisor at Fidelity to be more evil than Charlie Manson. More evil than Darth Sith. Out for himself with no interest in helping me one bit. If you can move your mother's investments out of the m...
by Jack FFR1846
Sat Nov 17, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Toyota Dealer Lost My New Car's Key
Replies: 14
Views: 2507

Re: Toyota Dealer Lost My New Car's Key

So I have to assume 3 things.

1) You don't carry theft insurance for the car.
2) You park your car on the street.
3) You live in the sketchiest part of town.

Yes, I'm being facetious. But really.......rekey the whole car? Let them make you a new key and get on with your life.
by Jack FFR1846
Sat Nov 17, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: vacation in Maine, New Hampshire
Replies: 9
Views: 923

Re: vacation in Maine, New Hampshire

Indeed, Manchester is closer. The key is to first figure out where you're going to get the snowmobiles from and arrange that. I used to snowmobile in Groveton and Pittsburg. Pittsburg is about 4 hours drive from Manchester more or less. Another hour from Boston. If the snow is good, Lincoln, NH is g...
by Jack FFR1846
Sat Nov 17, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 13
Views: 1147

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

There is no such consensus to stay away from the zero fund. At the start of August, shortly after the zero funds were announced, I split my equity position in my Fidelity IRA into equal parts. FSKAX and FZROX at a bit over $300k each. As of Friday's close, the zero fund has outperformed by about $35...
by Jack FFR1846
Fri Nov 16, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Foreign Currency
Replies: 24
Views: 983

Re: Foreign Currency

I've never been to Japan so don't know the answer to this. Can a credit card be used for everything in Japan? I can only say that in 4 years of covering Canada for my work, I've spent a total of $20 in cash. The rest has been credit card.
by Jack FFR1846
Fri Nov 16, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for a disabled son
Replies: 29
Views: 2243

Re: Employment for a disabled son

Listen to your son as far as what he likes and doesn't like. Autism is a spectrum, not a single point. Look for jobs that fit what he likes and stays away from what he doesn't like. Someone on the high end of the spectrum can complete an advanced degree and do the stress analysis calculations for a ...
by Jack FFR1846
Fri Nov 16, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Are gift cards for fund raising worth it?
Replies: 23
Views: 1096

Re: Are gift cards for fund raising worth it?

When one of my kids was in a private school, they had a gift card program that was far more user friendly than what this sounds like. Parents could buy gift cards every other friday at pick up time. A percentage went towards the student's tuition. We never bought more than we planned to spend nor at...
by Jack FFR1846
Fri Nov 16, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to figure out my best option for upcoming ESOP
Replies: 10
Views: 610

Re: Trying to figure out my best option for upcoming ESOP

The last company I worked for was private with stock among a limited number of initial investors and C suite executives. Some director people were given a number of shares as a retention incentive. This went along for 10 years. The CEO decided that he wanted to boot the initial investors and with no...
by Jack FFR1846
Fri Nov 16, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 30
Views: 2289

Re: My experience with iPhone6s battery replacement

Was the battery actually bad? I'm only a couple months into a new-to-me 5s which has worked perfectly, even on ios12. I wish I could have stayed with my iPhone 4s, which was almost 7 years old and working perfectly, but my work changed email systems and it could not be upgraded to an ios that would ...
by Jack FFR1846
Thu Nov 15, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 28
Views: 2359

Re: Help with choices for new car

Many dealer salespeople are total morons. I decided to go into a Ford dealer some years ago, driving our 1981 BMW 320i with over 100k miles. The dealer set me up to drive a Ford Mustang with 3 miles on it. I test drove it and returned. He asked how it was. I honestly answered that it felt more worn ...
by Jack FFR1846
Thu Nov 15, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 672
Views: 99114

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Oh, that's good. So when the rod bearings stock knocking, will the approved factory solution be to turn up the radio?
by Jack FFR1846
Thu Nov 15, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Why I plan on buying a life annuity - even if it is a stupid idea
Replies: 88
Views: 7478

Re: Why I plan on buying a life annuity - even if it is a stupid idea

I hope you're only considering an SPIA or a single premium deferred annuity.
by Jack FFR1846
Thu Nov 15, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: As a new grad, should I consider buying or renting?
Replies: 48
Views: 1887

Re: As a new grad, should I consider buying or renting?

A typical path is to rent and find a 2 bedroom apartment and find a room mate to split expenses. When I graduated, my fiance was already a year out of college with a stable full time job. We borrowed from my parents and bought a house. This is very risky as you really plant yourself but it did work ...
by Jack FFR1846
Thu Nov 15, 2018 7:01 am
Forum: Investing - Theory, News & General
Topic: Some real risks to investing heavily in real estate
Replies: 5
Views: 717

Re: Some real risks to investing heavily in real estate

Real estate as real buildings being rented concentrates risk. Even in the relatively stable mid west, a tenant can have financial troubles and decide that their best course is to stop paying rent and use the legal system to slow down eviction. If you own one rental building and this happens, it's no...
by Jack FFR1846
Wed Nov 14, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6864

Re: Are you all staying the course?

<Jack takes a look at his hundreds of thousands of dollars worth of iBonds> Looks good to me.
by Jack FFR1846
Wed Nov 14, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4386

Re: Accuracy of Zillow/Trulia/Redfin Estimates

They take average per square foot for the market, multiply that number by the square feet of the property and spit out a stupid number. My wife's aunt just recently went into an assisted living home. Her house was sold to the best offer made. Zillow's estimate (zestimate) was $295k. It sold for $130...
by Jack FFR1846
Wed Nov 14, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual nightmare - help needed
Replies: 43
Views: 3420

Re: Northwestern Mutual nightmare - help needed

Do not meet with this slime ball. Block his telephone number and simply don't show up. He's screwed you over. I wouldn't even give him the courtesy of a cancellation. Wherever you want to move these products to is who you talk to exclusively. There is no need to speak with Mr. Slime Ball ever again.
by Jack FFR1846
Wed Nov 14, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 49
Views: 2443

Re: Understanding the difference in cell phone OS types

There are an absolute TON of differences, not only with the OS (android, ios, windows), but with versions. Good luck figuring outep which to take. I kept ios7.1 for years because it pre-dated Apple's "battery throttling" intended for users to think they needed a new phone as it slowed down. My ios7....
by Jack FFR1846
Wed Nov 14, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 21
Views: 2103

Re: 2019 Subaru Forester Vs. 2019 Rav 4

Your Fusion has a timing chain, whether the 2.3L 4 cyl or the 6. These cars go forever with some caveats. Check or replace the hard lines for power steering and for automatic transmission cooling (transmission to radiator) as they rust out just like large GM truck brake lines do and will fail. The t...
by Jack FFR1846
Wed Nov 14, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Invest or pay of mortgage?
Replies: 13
Views: 1498

Re: Invest or pay of mortgage?

Two things: Your emergency fund is waaaaay too small. Will $5k hold you over for at least 6 months if you lose your job? There's the first place to put your extra money. 6 months is minimum, Suze Orman says 8 months and I'd recommend a year. Next, there's nothing saying that you can't put part of th...
by Jack FFR1846
Tue Nov 13, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5143

Re: Oops! Edward Jones tops Vanguard in customer survey

Walk into an EJ office and get green walls, piano music and free coffee.
Walk into a Vanguard office and trip over your computer.
by Jack FFR1846
Tue Nov 13, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Settlement
Replies: 10
Views: 1665

Re: Auto Accident Settlement

Judgments can be far higher. My wife's aunt was given $100k medical payments and $1.2M pain and suffering. But this was a horrible situation she went through.
by Jack FFR1846
Tue Nov 13, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 87
Views: 12473

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

My Ford dealer told me they would call when the parts were available. They called to say the parts were in and I could make an appointment for Wednesday, Thursday or Friday. I made them for Friday as it was best for me. I showed up Friday and they said I had no appointment.......wait, you had an app...
by Jack FFR1846
Tue Nov 13, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3957

Re: Feeling uneasy about recent splurge

A Lamborghini is a splurge. A mattress is just amateur hour. Such guilt. Much hand wringing. Just stop.
by Jack FFR1846
Mon Nov 12, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Fuel system cleaning for old SUV $269!!
Replies: 17
Views: 1186

Re: Fuel system cleaning for old SUV $269!!

Are your fuel lines clogged? You can do a test of the entire fuel system. Get on the highway. Floor it. Keep it there. Does the vehicle accelerate or does it bog and set a check engine light? If it just goes, the system is fine. If it bogs, you most likely have a clogged fuel filter, which no system...
by Jack FFR1846
Mon Nov 12, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9278

Re: Granddaughter needs $ help for university

What type of school is she attending where the bill is $65K for the year? ($15K loan plus $50K scholarships?) A state university depending on where you live would be much more affordable... maybe $25K total for a year? If the issue is getting her a good education... there have to be more affordable...
by Jack FFR1846
Mon Nov 12, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Home addition vs. Buying New
Replies: 39
Views: 2095

Re: Home addition vs. Buying New

I'm curious. You say that from what you read, you'd be better off buying new. In what way would you be better off? I'm assuming you're talking new construction. Where I live, new construction would be 20% more expensive than an identical existing house. Friends of ours have a similar basement. Code ...
by Jack FFR1846
Mon Nov 12, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Enjoying Your Work
Replies: 27
Views: 3310

Re: Enjoying Your Work

Try the thing you think you'd like better on a part time basis. I've done this several times in my life, doing something I enjoy doing, while making a few extra bucks. By doing this, I can keep track of the hours worked, costs and money coming in. As a result, I can figure out what the pay would be....
by Jack FFR1846
Mon Nov 12, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Trying to move out.
Replies: 25
Views: 1964

Re: Trying to move out.

I'd like to focus on your mom's comment that your dad is doing projects he shouldn't be doing. What is it that she....or you think you can do by being home? My ultra stubborn 86 year old father in law can barely walk, yet gets up on a ladder in the winter to remove snow from the roof, snowblows his ...
by Jack FFR1846
Mon Nov 12, 2018 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Financial Engines thru Vanguard
Replies: 14
Views: 832

Re: Financial Engines thru Vanguard

I had Financial Engines available through a Fidelity 401k some years ago. We were constantly spammed inside the company by these clowns. Out of curiosity, I called them to see what they were. They explained that I would turn over control of my account to them and they would manage it for an AUM. No ...
by Jack FFR1846
Mon Nov 12, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1145

Re: Prepaying for Rental Car - Availability Guaranteed?

It will have no bearing on the availability of a car. If there is no discount don't prepay. I've never in 30 yrs of renting cars been denied a vehicle of some sort when I have a reservation. What vehicle I get often has little resemblance to what I actually reserved. With an airport.....sure. We br...
by Jack FFR1846
Mon Nov 12, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 67
Views: 8936

Re: cvt transmissions

We have a 2013 Subaru Crosstrek Limited, which has paddle shifters. While on the first transmission, I would use the paddles to "downshift" to engine brake. After the first CVT failed at 53k miles, and seeing that this is common enough that Subaru voluntarily extended the CVT warranty to 100k miles,...
by Jack FFR1846
Mon Nov 12, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2439

Re: Still spending too much on non-essentials

I don’t think you can chalk that up as non-essential. I spent maybe $500 between amazon and ebay last year but it was for things like a rebuild kit for my worn out chain saw, motor oil and filters and filters, and hydraulic fluid for my tractor. All I consider essential
by Jack FFR1846
Sat Nov 10, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3541

Re: International Travel during Maternity/Paternity

What is it you plan to see in your travels? When we adopted our first infant child, while waiting for the legal go ahead to leave the state, we went to the zoo. In an entire day, we saw 2 animal exhibits. In my humble opinion, travel during this time is silly. We also adopted a second, 4 years later...
by Jack FFR1846
Fri Nov 09, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 6059

Re: How to stop junk mail for a deceased person

Is there a reply paid envelope? Take the original mail, stuff it in the reply envelope, and send it all back to them. L. I think this may not work. I don't think the company collecting donations or whatever is necessarily telling the soliciters when they get envelopes of trash. I always do this. It...
by Jack FFR1846
Fri Nov 09, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Lowest Cost GPS-Capable Device for Senior Citizen
Replies: 18
Views: 1012

Re: Lowest Cost GPS-Capable Device for Senior Citizen

Garmin. I think people assume that everyone's phone is a smart phone. My mom's phone will receive and send texts, but the buttons are combo buttons (not a touch screen) where each key is 3 letters.....so press the button once for "a", twice for "b", 3 times for "c". There are no apps. This is no onl...