Search found 7756 matches

by Jack FFR1846
Fri Oct 19, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4466

Re: When to change tires; and what brand

Where do you see that 8/32in is the right tread depth for a brand new tire? I go to 'Americas Tire'. They have a large signboard in their lobby with that info and states that 8/32 is brand new This has been instructive, thank you. I did a Google search for "Americas Tire" and it turns out that the ...
by Jack FFR1846
Fri Oct 19, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4466

Re: When to change tires; and what brand

Where do you see that 8/32in is the right tread depth for a brand new tire? I go to 'Americas Tire'. They have a large signboard in their lobby with that info and states that 8/32 is brand new This depends on the tire and it's application. Very high performance tires might start at 6/32". I know th...
by Jack FFR1846
Fri Oct 19, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4466

Re: When to change tires; and what brand

10/32 or 11/32 is new. Below 4/32 you start to have hydroplaning issues in rain and traction issues. If I find myself at 4/32 or below in the summer I usually wait until fall. 2/32 would be closing in on unsafe to drive for me. I like Cooper or Toyo. Do you drive in winter/snow conditions? Toyo Cel...
by Jack FFR1846
Thu Oct 18, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 49
Views: 4398

Re: Spoke with a CFP...underwhelming!

He mentioned having your target AA applied to all accounts. For example let's just say I'm 80/20 AA, he told me to do that across all accounts...Roth IRA, 401k, HSA, and Taxable Brokerage. I really haven't seen many people go this route? Does anyone here do this? Anyone? I don't know....probably. H...
by Jack FFR1846
Thu Oct 18, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Possible move...how much house can afford? (accounting for transaction costs)
Replies: 12
Views: 855

Re: Possible move...how much house can afford? (accounting for transaction costs)

Wait a year and save like crazy.

Find a $500k house in the new location.

Put down $100k minimum.
by Jack FFR1846
Thu Oct 18, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Why dismiss sectors?
Replies: 28
Views: 1345

Re: Why dismiss sectors?

I buy the entire market on a cap weighted basis. Utilities? Yah, I got those. Consumer? Sure Transportation, Energy, Technology, Health Care, Financial, Manufacturing, Auto? Yup, yup.....yup. I bought the whole market. There's nothin' I ain't got. Why do I have to mess it all up by looking for the n...
by Jack FFR1846
Thu Oct 18, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: unlicensed repair guy possibly spent our material deposit
Replies: 25
Views: 2703

Re: unlicensed repair guy possibly spent our material deposit

The Better Business Bureau might help. At least they will try. I idiotically gave several hundred dollars in advance to a guy who never showed up and after I got nowhere they made several efforts to contact him. Didn't succeed but at least he has a ding if anyone looks him up on their website. The ...
by Jack FFR1846
Thu Oct 18, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Local review of Truecar
Replies: 8
Views: 855

Re: Local review of Truecar

I would say it's pretty accurate. In the purchase of my Wrangler in 2014, I used Truecar and in the end found that their greatest value was in attaining what the dealer's bogus "Doc Fee" was. I ended up ordering my Wrangler from a dealer who did not participate in Truecar and paid $1600 less than th...
by Jack FFR1846
Thu Oct 18, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Help with college age sons Roth IRA options...
Replies: 15
Views: 787

Re: Help with college age sons Roth IRA options...

Schwab, TDAmeritrade and Fidelity have very low minimums ($0) and lots of ETF offerings. I got my older son started the first year he had earned income with a Roth at TDAmeritrade with $151, which bought 1 share of VTI at the time. Vanguard ETFs are no longer free at TDA. This past summer, he starte...
by Jack FFR1846
Thu Oct 18, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 3545

Re: Approach to rescinding a job acceptance

I did this one time. I called as soon as possible and told them that I'm very sorry but I've decided to stay with the old job. I expected it would burn the bridge but that company has pretty much spun into the toilet. The other near match, I pursued a job very hard, looking to get out of a bad situa...
by Jack FFR1846
Thu Oct 18, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Charles Schwab ETFs
Replies: 13
Views: 933

Re: Vanguard vs Charles Schwab ETFs

You could buy both. It's what I do. I have VTI at TDAmeritrade, SCHB at Schwab and a couple funds at Fidelity and Vanguard. SCHB doesn't follow the same index as VTI. Some here will argue that Vanguard is owned by you and run by magical pixie dust unicorns so expense ratio doesn't matter. You can ce...
by Jack FFR1846
Wed Oct 17, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 49
Views: 4243

Re: Best way to complain about Hertz bait-and-switch?

I once heard from a rental car manager friend that the code of all rental companies is "Book, don't look" meaning that even if the lot is empty and you want to rent a red Mustang convertible, the reservation goes through and when you get off the rental bus from the airport, you're not getting a red ...
by Jack FFR1846
Wed Oct 17, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 98
Views: 7066

Re: Where would you go for financial guidance if you win the Megamillions?

First, I'd buy some wheel spacers so my Wrangler tires wouldn't rub when doing offroading. Then some skid plates. Then I'd put the money into Fidelity in the allocation I've set up already.
by Jack FFR1846
Wed Oct 17, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bitcoin after death...some thoughts to consider
Replies: 10
Views: 1831

Re: Bitcoin after death...some thoughts to consider

My son has beat the crowd to this. In the very early days of bitcoin, he and a friend set up a mining operation and did indeed get some bitcoin into their wallet. They subsequently forgot their password or whatever it is they need. My son has a stack of disk drives because he knows it's in one of th...
by Jack FFR1846
Wed Oct 17, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1256

Re: Would you ever buy a lottery ticket?

Would you ever buy a lottery ticket? No Back some time ago, with just a little Mass lottery in the millions, an MIT math professor gave the odds of winning slightly less than if you walked past MIT on Mass Ave and stopped the first person you met and that person not only had your first name, but al...
by Jack FFR1846
Wed Oct 17, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 46
Views: 4905

Re: Maserati Experiences

I have never owned a Maserati but have watched prices since the 2005 introduction of the Quattroporte. What I've seen is that these cars do tend to hang around the dealerships for a while. By 2008, I could still see brand new 2005 $129k cars in dealer inventory at listed price of $89k. Because these...
by Jack FFR1846
Wed Oct 17, 2018 6:16 am
Forum: Personal Finance (Not Investing)
Topic: 5% ESPP
Replies: 16
Views: 1118

Re: 5% ESPP

Personally, I'd skip it. I'm at a company whose stock went from the 50's range when I joined 2 1/2 years ago up to 104. Then the executives performed some extreme stupidity antics and we're now at 60. I get ESPP at 15% minimum off lowest price of first or last day of the buy period and can sell-on-v...
by Jack FFR1846
Tue Oct 16, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Exceeding Income Limit for Roth IRA Mid-Year?
Replies: 10
Views: 755

Re: Exceeding Income Limit for Roth IRA Mid-Year?

You can withdraw excess contributions. Contact whoever you have the Roth with and they'll have a form to fill out. DW and I were in the phase out last year and did this before the April tax deadline. This year, I'm making it easy on myself and waiting to contribute. An alternative is to have them re...
by Jack FFR1846
Tue Oct 16, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 77
Views: 4095

Re: Personal Adventure - recommendations

Buy a wrangler and join an offroad club. Go on club "runs". Fun, less physically demanding than lots of activities and something new with ever present challenges. I just started doing this a few months ago and have been having a great time
by Jack FFR1846
Tue Oct 16, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 577
Views: 85182

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

I'm curious. Has anyone seen thermostat changes to raise the opening temp, say 10 degrees F as a way to increase operating temperature, and maybe evaporate more gas through the PCV? This came to mind, seeing that a theory on what's going on is that the engine isn't coming up high enough in temp.
by Jack FFR1846
Tue Oct 16, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Sell & Buy New Home Now vs. Next Spring
Replies: 25
Views: 1033

Re: Sell & Buy New Home Now vs. Next Spring

In general, mortgage payments for a particular house is going to be the same now as it will be in the spring. Why? Because buyers are driven by payment, so sales get soft when rates rise. Prices then drop to bring the mortgage payment back where it was.
by Jack FFR1846
Tue Oct 16, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 3800

Re: Corporate politics/culture

I worked for one particular MegaTechCorp where the executive VP of sales rotated in/out on about an 18 month basis. Every one of them seemed to feel that they needed to make a major change to show how great they were. I'm attached to sales so saw the result of their ego driven stupidity. One VP says...
by Jack FFR1846
Tue Oct 16, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer – bonus details provided after acceptance
Replies: 26
Views: 1775

Re: Job Offer – bonus details provided after acceptance

Sounds like they manipulate the bonuses based on how much money they have to spend on people in the position you would take. So if one guy hits it out of the park and warrants all of the available bonus money, the boss' boss makes up numbers, shuffles accounts before the end of the bonus earning per...
by Jack FFR1846
Tue Oct 16, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: 1950s home. Replace drywall and insulation or repair it
Replies: 19
Views: 1666

Re: 1950s home. Replace drywall and insulation or repair it

Contact Mass Save for a free energy audit. They'll assess where you should spend money to get the best payback. We had this done in our first home in Eastern Mass which was built in 1963 with no insulation anywhere in the house. The report prioritizes the best places for my dollar to improve heat re...
by Jack FFR1846
Mon Oct 15, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 368
Views: 32979

Re: free dinner investing seminar

Now I draw the line for myself at signing up for the one hour conference. That doesn't feel right for me. But if I was going in with a open mind and am undecided if this was right for me I would feel no compunction there I don't feel bad about BOGO or free coupons either. What if they offer the 1 h...
by Jack FFR1846
Mon Oct 15, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Buyers commission on a condo purchase
Replies: 29
Views: 1713

Re: Buyers commission on a condo purchase

Don't forgo for sale by owner houses. Out of the 3 houses we've bought, 2 were fsbo. Our lawyer handled closings on those.
by Jack FFR1846
Mon Oct 15, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend lost job, getting a lump sum severance... What should we do next
Replies: 36
Views: 3036

Re: Girlfriend lost job, getting a lump sum severance... What should we do next

What about your place. If you're in an apartment, is your lease up earlier? If so, move to her apartment. Or are there other considerations? Otherwise, look into subletting. On wedding costs....recent studies indicate the the length of a marriage is inversely proportional to the cost of the wedding/...
by Jack FFR1846
Mon Oct 15, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 88
Views: 5803

Re: When to stop putting money into an older vehicle

I'd agree with fire5soon but do understand that some people don't have a place to do car repairs. At the very least, I'd recommend going someplace where they don't have a service manager. You've already overpaid for services. When you replace the ignition on an 03 Honda, why did you need to replace ...
by Jack FFR1846
Mon Oct 15, 2018 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1818

Re: Buy car cash or take low rate loan

Just a heads up if you post here that you are buying anything more expensive than a mule pulling a covered wagon you will get at least one response telling you how indulgent you are being and that an uncovered wagon would meet your needs just fine. As for paying cash or financing, I'd pay cash. if ...
by Jack FFR1846
Sat Oct 13, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1330

Re: Drop in MPG (09 Civic)

Hard to diagnose. Most recently for me this was a stuck rear caliper. You've gotten quite a bit of good advice in previous posts. I'm reminded of a previous 'Car Guys' episode where a young lady called in about her dad requiring her to log the amount of gas she bought and the mileage in a book in t...
by Jack FFR1846
Sat Oct 13, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5354

Re: Weigh in on our Marital Argument =)-- HCOL edition

Stay for another couple years to vest pension and revisit the question. Tell anyone who wants to visit that THEY will need to arrange a hotel and THEY will need to pay for it.

Perhaps expand both husband's and your search for a job in a low cost place.
by Jack FFR1846
Sat Oct 13, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2441

Re: What would you do with some bulk silver?

I have heard that APMEX will give a quote on the phone, but then when they receive the metal will call you with some excuse about how it’s damaged and they can’t give you as much, and you can either pay for postage to get it back or take the reduced amount. Even the slightly reduced rate will still...
by Jack FFR1846
Fri Oct 12, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9583

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

she was working 70-80 hours a week I’m always curious about how people manage to work this much on a week in, week out basis. Was that 5, 15 hour days so that she at least had weekends to recoup? Or more like 6, 12 hour days? I’d imagine 7, 10 hour days would be hard to keep up for long. 80 hours i...
by Jack FFR1846
Fri Oct 12, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5378

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

What indexes do you want is the question that you'd need to answer first. If you plan to slice and dice like you're Merriman, then Vanguard is your place to go. If you're looking for a 3 fund in order to own the market then either do the job. Part of the cost cutting that allows Fidelity to offer ze...
by Jack FFR1846
Fri Oct 12, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 50
Views: 1929

Re: TV recommendation for my father

If your Best Buy still sells TVs (not all do anymore), Look at Insignia. It's Best Buy's house brand and the easiest to bargain way down. My son used to work at BB and was able to go in any store, punch in his employee code and see the employee price. Where an LG might be discounted 15% for him, the...
by Jack FFR1846
Fri Oct 12, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Filing a Lemon Law Claim on Vehicle
Replies: 8
Views: 700

Re: Filing a Lemon Law Claim on Vehicle

CULater, if it were me, I'd just keep driving the car. Service it when the minder comes on. If the engine seizes from gasoline lubricated main bearings, that's on them and at that point, they would have to fix it under warranty as you have plenty of documentation from the dealer saying there isn't a...
by Jack FFR1846
Fri Oct 12, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3132

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

Take your Volvo. When I was doing calculations for my car expenses at work, I did an extensive spreadsheet with everything I could think of. The expenses broke down to just about 1/3 each of gas, insurance and depreciation. If you rent a car, you're still paying insurance and depreciation by time is...
by Jack FFR1846
Thu Oct 11, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2441

Re: What would you do with some bulk silver?

I've sold junk silver to a local bullion and coin dealer and to a guy I found on craigslist. I looked into selling to Apmex but was too concerned about sending $1000 worth of coins in the mail. If you do decide you want to sell to Apmex, you need to sell them a minimum of $1000 worth. If you tell th...
by Jack FFR1846
Thu Oct 11, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Downtown Condo Living w/ Kids
Replies: 15
Views: 1754

Re: Downtown Condo Living w/ Kids

What are the schools like where you are and in the city? In my state, many city schools are rated by how many stabbings they have per week (ok, exaggeration) while suburbs are rated by the percentage of students going to Ivys because they get 100% graduation and people going to college.
by Jack FFR1846
Thu Oct 11, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Filing a Lemon Law Claim on Vehicle
Replies: 8
Views: 700

Re: Filing a Lemon Law Claim on Vehicle

Every state is different. Have you read your state's lemon law? Does your car meet the criteria? Do you have to first go through arbitration? For what would you use the lawyer? How much would you sue for? At $400 an hour, it might make sense for maybe a Lamborghini Aventador, but for a Honda?
by Jack FFR1846
Thu Oct 11, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Which market should I go for, to profit most from the correction?
Replies: 35
Views: 3033

Re: Which market should I go for, to profit most from the correction?

WWJBD (what would Jack Bogle do?)

Don't do something....just stand there.
by Jack FFR1846
Thu Oct 11, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs. Cash
Replies: 28
Views: 2170

Re: Mortgage vs. Cash

Try to find someone, anyone who regrets paying off their mortgage. I'm glad every day and it was more than 15 years ago. If it were me, I'd pay in cash. You have to decide if you want to borrow money to invest it, because that's what you're doing. Do you invest with money borrowed on margin? Why not...
by Jack FFR1846
Thu Oct 11, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3410

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

I own a Mazda 3 with snow tires. I live at the top of a steep hill and get an average of over 120 inches of snow per season. I feel perfectly safe in the car. I don't think an AWD help a lot with traction in deep snow. I invite you to my house when we get 8 inches of New England snow. I guaranty yo...
by Jack FFR1846
Thu Oct 11, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Newbie [How do I move everything to Vanguard in-kind?]
Replies: 6
Views: 470

Re: Newbie [How do I move everything to Vanguard in-kind?]

If you have a lot of different stocks, you may want to consider either selling where you are currently or transferring them to a low cost broker like Schwab or with enough to get free trades to Fidelity or Merrill Edge. Vanguard charges $19.95 to sell each stock, which is, of course expensive in the...
by Jack FFR1846
Wed Oct 10, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5741

Re: Subaru: Crosstrek or Outback?

Don't they spec 0-weight oil in this thing now? No surprise that it uses a bit of oil. The Crosstrek has always used 0W 20, or as I call it.....water. I believe all Subarus use this. Everyone has gone to light oil. My Wrangler uses 5W 20. On the size comments.....the Outback is not huge compared to...
by Jack FFR1846
Wed Oct 10, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Contribution Help!
Replies: 2
Views: 193

Re: Roth IRA Contribution Help!

From January 1 to April 15, you have the option to choose a year. I know that with Fidelity, the page you would open specifically shows tax year 2018 and tax year 2019 and shows for each what you have contributed (within Fidelity) and what you can contribute, assuming you have no other Roths.
by Jack FFR1846
Wed Oct 10, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Timber as an alternative - didn't work so well...
Replies: 19
Views: 2784

Re: Timber as an alternative - didn't work so well...

I directly own timber as I harvest hardwoods for firewood on my own property. There's a state program that I am in where the land is taxed at 10% of assessed value (other property in the state is 100% assessment). I mainly use the wood as a supplemental heating source. In the past, I have asked our ...
by Jack FFR1846
Wed Oct 10, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Appreciated Stocks to Grandparent to pay Child's Private School Tuition
Replies: 127
Views: 8563

Re: Gifting Appreciated Stocks to Grandparent to pay Child's Private School Tuition

As my dad, who was second generation in the family tax preparation business used to tell me: "It's allowed until you're audited". I had all kinds of sideways schemes I had heard of and would run them by him. When he'd answer like this, I knew to stay away from the scheme. My favorite was a rep I dea...
by Jack FFR1846
Wed Oct 10, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1551906

Re: Stocks tumbling?

It's clearly because of a disturbance of the variable reluctance in the recent turbo encabulator. Which causes a need to maintain a vorden hold until one receives photomagnus clearance from Melnix. :twisted: :D See: "Turbo Encabulator" the Original - YouTube Spoiler alert: For those who need an exp...
by Jack FFR1846
Wed Oct 10, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 33
Views: 2676

Re: anybody sell I Bonds to buy something else?

Back in the olden days, when one could buy $30k per person per year online with a credit card for no fee and they could be redeemed in 6 months, I'd regularly sell them to pay for the new ones I bought to get airline miles to upgrade the entire family to first class going to Aruba. I've also sold to...