Search found 236 matches

by chrisjul
Mon Apr 19, 2021 11:09 am
Forum: Personal Consumer Issues
Topic: Out on 4Runner - Used Lexus GX?
Replies: 34
Views: 2973

Re: Out on 4Runner - Used Lexus GX?

Love my GX 460. Had an old 4Runner and made the same move you're contemplating. It's one of the few Toyotas that are made in Japan and sold in the USA. Basically a smaller Land Cruiser. Maybe in the market for a luxury SUV midsize. Did not know this. Will look into it. Thanks! j :D Both the Lexus G...
by chrisjul
Mon Mar 29, 2021 9:46 am
Forum: Personal Investments
Topic: Vanguard site issues
Replies: 54
Views: 4650

Re: Vanguard site issues

Yes, I have several trades that should have sold. They are now marked REJECTED. Cost me $$$$$$. Vanguard customer service and website reliability has crashed since Jack Bogle died. Ive been holding over an hour. I'm sure there is some Loophole that will allow them NOT to pay me. Fidelity, here I come.
by chrisjul
Fri Jan 29, 2021 11:50 am
Forum: Personal Consumer Issues
Topic: Any chance for refund of USPS priority mail?
Replies: 35
Views: 2606

Re: Any chance for refund of USPS priority mail?

No refunds for PRIORITY, only Express Mail offers refunds
by chrisjul
Tue Jan 19, 2021 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct Inventory Disappeared!
Replies: 6
Views: 865

Treasury Direct Inventory Disappeared!

My inventory has disappeared. Anyone else having this problem?
by chrisjul
Fri Jan 15, 2021 12:22 pm
Forum: Personal Consumer Issues
Topic: What is the correct premium to pay for a Toyota vs a Chrysler?
Replies: 53
Views: 3456

Re: What is the correct premium to pay for a Toyota vs a Chrysler?

I'd pick the Toyota over the Chrysler - no contest! In the frequency of repair surveys in Consumer Reports, Toyotas usually fare among the best while Chryslers usually fare among the worst. Being acquired by Fiat has only further degraded the quality of Chrysler products. If you REALLY want to driv...
by chrisjul
Fri Jan 15, 2021 12:20 pm
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 4508

Re: Simple but fun cars

flyingcows wrote: Thu Jan 14, 2021 7:02 pm +1 to the Miata

Also, a 20 year old Honda S2000 is worth considering. Great little sports cars that are as simple as possible, they don't even have ABS. Unfortunately, these are very expensive as everyone wants them

I agree....Miata
by chrisjul
Fri Dec 18, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 125
Views: 8726

Re: New motorcycle rider

As an experienced rider who has logged 65,000 miles, I advise you to forget it. It is incredibly dangerous out there today due to distracted drivers, and motorcyclists are extremely vulnerable. I got hit by a deer going 65 mph and suffered some serious injuries, and I was wearing all the safety gea...
by chrisjul
Fri Dec 18, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 109
Views: 13090

Re: Bosch dishwasher?

My (expensive) Bosch diswasher lasted one month past warranty. Obviously I DO NOT recommend them.
by chrisjul
Fri Dec 18, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: Used Sports Car
Replies: 77
Views: 5885

Re: Used Sports Car

Jack FFR1846 wrote: Mon Aug 26, 2019 1:43 pm Miata
Is
Always
The
Answer

Agree!
by chrisjul
Fri Dec 18, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Trading a BMW for a Toyota
Replies: 84
Views: 6828

Re: Trading a BMW for a Toyota

Usually once you already own a car, the most cost-effective thing is to just keep that vehicle. If you anticipate very high maintenance costs (possible w bmw), then it might be worth making the swap. In terms of your next car - I would shop new camrys before choosing used. Used car prices are sky h...
by chrisjul
Mon Dec 14, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Do you buy extended auto warranties?
Replies: 70
Views: 4494

Re: Do you buy extended auto warranties?

Unnecessary: I drive Toyota.
by chrisjul
Fri Dec 11, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery Showing Zero Incoming Mail?
Replies: 46
Views: 7911

Re: USPS Informed Delivery Showing Zero Incoming Mail?

38 years w USPS.

The photo is taken on a machine while the mail is going at blur speed. At times, the pic will be missed.
by chrisjul
Tue Dec 01, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 167
Views: 23096

Re: Vitamix Worth It?

Yes. Outstanding tool.
by chrisjul
Fri Nov 27, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Trading a BMW for a Toyota
Replies: 84
Views: 6828

Re: Trading a BMW for a Toyota

I just don't see a whole lot of gain by replacing a $30K (loan) BMW with $23.5K (loan) Camry. I would see a gain if you got out of the BMW for out-of-pocket cost of $5K (sell BMW for $25K and payoff $30K loan with $5K cash) and bought a replacement used vehicle with $10K (or less) cash. My guess is...
by chrisjul
Thu Nov 26, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: What do we know about 2021 RMDs?
Replies: 13
Views: 1951

Re: What do we know about 2021 RMDs?

arcticpineapplecorp. wrote: Thu Nov 26, 2020 11:10 am nobody knows nuthin
by chrisjul
Thu Nov 26, 2020 12:33 pm
Forum: Personal Consumer Issues
Topic: Transmission troubles
Replies: 34
Views: 2440

Re: Transmission troubles

Sell or trade. Buy a Toyota.
by chrisjul
Mon Nov 23, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new BMW X3?
Replies: 37
Views: 3515

Re: Should I buy a new BMW X3?

I've owned BMW's over the years (no longer).

My assessment: They are great till they break. And they will.
by chrisjul
Sun Nov 22, 2020 1:27 pm
Forum: Personal Consumer Issues
Topic: Solar Pool Heating
Replies: 26
Views: 1214

Re: Solar Pool Heating

Best invesment I've made in 10 years on the house. I live in S FL and can swim year round. NO maintenance or repairs in the 10 years I've had it.

GL!
by chrisjul
Mon Aug 17, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 5064

Re: USPS shipping: Caveat Emptor

I was with the USPS for 38 years. it is a very complex business model, quasi governmental and yet expected to perform like a business, but without freedom to take actions without intense oversight from Congress. Over 600,000 employees, multiple labor unions, 40,000 retail units, the largest civilian...
by chrisjul
Thu Jul 30, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Toyota RAV4 Gas vs Hybrid?
Replies: 91
Views: 7195

Re: Toyota RAV4 Gas vs Hybrid?

HYBRID.

I've owned 2 Toyota hybrids for a total of 14 years with NO Repairs (only maintenance).

Outstanding vehicles!
by chrisjul
Sat Jul 25, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 167
Views: 23096

Re: Vitamix Worth It?

Its outstanding. We liked it so much, we bought both sons one. Highly recommend.
by chrisjul
Fri Jun 12, 2020 11:27 am
Forum: Personal Investments
Topic: Is it bad to be a "day trader"?
Replies: 51
Views: 3259

Re: Is it bad to be a "day trader"?

So, with the recent market volatility, and extra time on my hands working from home, I've found myself doing a lot more exchanges than usual. Always keeping roughly to my 70/30 allocation, but doing "opportunistic" rebalancing. Buying on Really Bad Days, and selling on Really Good Days. Y...
by chrisjul
Tue Jun 02, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 14528

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by chrisjul
Mon May 25, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 14528

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by chrisjul
Mon May 25, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: Peer to peer lending in this day and age
Replies: 46
Views: 2950

Re: Peer to peer lending in this day and age

I have got a little investment (less than 100k) in P2P in the Uk where I live; I hardly ever watch it but at this time I get messages from the company Zopa explaining that many borrowers will be late with repayments due to the current situation. Zopa had navigated the 2008 crisis rather well, so I ...
by chrisjul
Mon May 18, 2020 10:37 am
Forum: Personal Investments
Topic: Large inheritance -- looking for advice
Replies: 65
Views: 10332

Re: Large inheritance -- looking for advice

I'd sell ALL the stocks as soon as possible and not attach any sentimental value to them. The ones in a taxable account: Get them gone before any of the capital gains get bigger. Clearly, you know enough to tell which stocks are US and which are foreign, so you can figure out the current asset allo...
by chrisjul
Sun May 10, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Buying a used Jaguar
Replies: 40
Views: 2675

Re: Buying a used Jaguar

Advise a HARD PASS!
by chrisjul
Wed Apr 22, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 5292

Re: How much to tip on DoorDash?

Trader Joe wrote: Sun Apr 07, 2019 7:55 pm
masonstone wrote: Sun Apr 07, 2019 7:46 pm How much do you generally tip on DoorDash for food delivered?
I tip Doordash (and all other food delivery services) $0.00. Their employer pays them.
$10. Tough way to earn a living with the virus.
by chrisjul
Thu Apr 09, 2020 10:51 am
Forum: Investing - Theory, News & General
Topic: Inherited IRA
Replies: 8
Views: 535

Inherited IRA

Does the new rule allowing no RMD in 2020 also apply to inherited IRA's?
Tks in advance
by chrisjul
Fri Apr 03, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 213
Views: 23792

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

I would suggest being very careful with the standard Boglehead "Stay the Course" commandment.

We are in uncharted historical territory.

"Nobody Knows Nuttin"
by chrisjul
Sat Mar 21, 2020 11:47 am
Forum: Investing - Theory, News & General
Topic: thank you Bill Bernstein: "If You've Won the Game, Stop Playing"
Replies: 51
Views: 7210

Re: thank you Bill Bernstein: "If You've Won the Game, Stop Playing"

gips wrote: Wed Mar 18, 2020 10:11 am Bill,

you saved my bacon, thank you for your wisdom.

best,
Same here.....my favorite financial quote
by chrisjul
Wed Mar 18, 2020 2:21 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 33128

Re: How much you lost/gain since Feb 20,2020 ?

Down $20k. I did market time and lighten up when the virus got out of hand in China. Only 6% in market when it crashed. I know the Vanguard crowd will smite me for "market timing", but it seemed pretty obvious that the world was in for a tough time. Getting out is easy. When are you getti...
by chrisjul
Wed Mar 18, 2020 9:26 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 33128

Re: How much you lost/gain since Feb 20,2020 ?

Down $20k. I did market time and lighten up when the virus got out of hand in China. Only 6% in market when it crashed. I know the Vanguard crowd will smite me for "market timing", but it seemed pretty obvious that the world was in for a tough time. Getting out is easy. When are you getti...
by chrisjul
Tue Mar 17, 2020 3:35 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 33128

Re: How much you lost/gain since Feb 20,2020 ?

Down $20k.

I did market time and lighten up when the virus got out of hand in China. Only 6% in market when it crashed.

I know the Vanguard crowd will smite me for "market timing", but it seemed pretty obvious that the world was in for a tough time.
by chrisjul
Sat Mar 14, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 3660

Re: Fly or Drive to FL?

Cancel the trip. The virus is widespread here ......just can't test due to lack of testing kits. Governor called out Natl Guard. Stay home What are you talking about. The virus is NOT widespread here. Calling up the Natl Guard sounds ominous but it certainly isn't. It is just a prudent measure to p...
by chrisjul
Fri Mar 13, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Reacts to Stock Market Crash
Replies: 93
Views: 15554

Re: Dave Ramsey Reacts to Stock Market Crash

prairieman wrote: Tue Mar 10, 2020 5:35 pm I tuned him out when he ranted against taxes but promoted 10% tithing to a church. If a person is poor and in debt (his audience) they are probably not paying much tax anyway and, well, ....
Agreed ...10% to a tax free organization .....ridiculous
by chrisjul
Fri Mar 13, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 3660

Re: Fly or Drive to FL?

Cancel the trip. The virus is widespread here ......just can't test due to lack of testing kits. Governor called out Natl Guard.

Stay home
by chrisjul
Tue Mar 10, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: What USPS “Snail Mail” Option Do You Recommend for Tax Return?
Replies: 57
Views: 3197

Re: What USPS “Snail Mail” Option Do You Recommend for Tax Return?

samsoes wrote: Sun Mar 08, 2020 6:50 am Slap a stamp on the envelope, drop it in the mailbox, and then forget about it. Taxes done!
AGREE!
by chrisjul
Thu Mar 05, 2020 12:46 pm
Forum: Personal Investments
Topic: Treasury Direct
Replies: 2
Views: 518

Treasury Direct

I track my I bonds on Treasury Direct.

Under the column "Interest Rate", exactly what does this number represent?

Is is current interest?, is the base interest included?
by chrisjul
Fri Feb 21, 2020 10:02 am
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 10184

Re: Has Vanguard deteriorated?

I've been with Vanguard for several decades and YES, customer service has deteriorated, particularly in the last few years.
by chrisjul
Sat Feb 15, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: I bought Consumer Reports lowest rated car...
Replies: 76
Views: 9502

Re: I bought Consumer Reports lowest rated car...

This is like a 70 year old saying "I smoked for 50 years and never got cancer". You took a risk and it paid off for you. Also, it's not like CR was the only one saying that the 500 was junk. Mini Coopers, Fiat's, Land/Range Rover, etc. are pretty unanimously picked as being poor. Each hav...
by chrisjul
Tue Feb 11, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: I bought Consumer Reports lowest rated car...
Replies: 76
Views: 9502

Re: I bought Consumer Reports lowest rated car...

Edmunds OWNER reported ratings also puts this car at the bottom.

You got lucky. The will not be making this model anymore.
by chrisjul
Sat Feb 08, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: Used 2012 Subaru Impreza 95k Miles
Replies: 35
Views: 2489

Re: Used 2012 Subaru Impreza 95k Miles

Subies have a cult following but expensive to repair and technology has left them behind, particularly on the engine they insist on staying with.
by chrisjul
Sun Feb 02, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Car repair - would you fix everything the mechanic suggested?
Replies: 39
Views: 2853

Re: Car repair - would you fix everything the mechanic suggested?

Dealing with a 2003 350Z with 65K miles. Check engine light came on for about 30 seconds then went out. I checked the code and its "random misfire" with no specific cylinder mentioned. Kept driving car and it felt normal. After a few months the CEL came on several more times and the engin...
by chrisjul
Fri Jan 31, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 9117

Re: When to Change Car Battery?

I wonder why people get 3 year of life or less with their battery. Maybe their battery is in front hood? People who live in the Southwest, where ambient temps can go to 120F or higher and much hotter in an engine compartment, often see reduced battery lifespans. I live in South Florida. I bought a ...
by chrisjul
Fri Jan 31, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 9117

Re: When to Change Car Battery?

Dealer reccomending changing at 3 years is just a money grab. Did he tell you the reading he got from the battery. I have zero trust in dealers, constantly trying to upsell and pushing $80 cabin air filter changes. $150 for a battery is crazy. Good points. I just returned from dealer service and th...
by chrisjul
Tue Jan 28, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much money can I spend on a car?
Replies: 59
Views: 5515

Re: How much money can I spend on a car?

WildCat48 wrote: Mon Jan 27, 2020 9:27 pm Waste of money, just buy a honda or toyota.

You can get a nice performance/luxury car for $50k...
by chrisjul
Tue Jan 28, 2020 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: How much money can I spend on a car?
Replies: 59
Views: 5515

Re: How much money can I spend on a car?

You aren’t looking for this, but you asked in a public forum so I’ll say it. There is no good reason to spend over $100k on a car. I think over $50k is wasteful but I’m doubling that to be diplomatic. You can help so many desperately sick or poor people in the world with the extra $56k you’re refer...
by chrisjul
Tue Jan 21, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Some observations when trying to buy [a new Prius Prime or Honda Clarity]
Replies: 37
Views: 5302

Re: Some observation when trying to buy a new car

runner3081 wrote: Fri Jan 17, 2020 3:55 pm If you are set on those cars, broaden your search to neighboring cities and states.
I saved $3k by driving to a dealership 1.5 hrs away after Germain Toyota would not negotiate on my new Prius. Call around ...tell them youre buying the best priced car.