Search found 195 matches

by chrisjul
Sat Feb 15, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: I bought Consumer Reports lowest rated car...
Replies: 76
Views: 8818

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 have their ow...
by chrisjul
Tue Feb 11, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: I bought Consumer Reports lowest rated car...
Replies: 76
Views: 8818

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: 2205

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: 2534

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 engine ran roug...
by chrisjul
Fri Jan 31, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 8239

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: 8239

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: 4755

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: 4755

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: 4915

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.
by chrisjul
Tue Jan 21, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Tell me about Chile/Argentina
Replies: 27
Views: 2996

Re: Tell me about Chile/Argentina

rustymutt wrote:
Sat Dec 28, 2019 9:58 am
I can tell you that some of the best ever red wine I've had the pleasure to pass over my lips, has come from those areas in both countries.
They know how, and where to plant vines. So visit some of earth's best winerys.

AND, its dirt cheap! I agree.
by chrisjul
Sun Dec 15, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Gifts to your employees- how much?
Replies: 113
Views: 7153

Re: Gifts to your employees- how much?

runner3081 wrote:
Sat Dec 14, 2019 3:05 pm
ThatGuy wrote:
Sat Dec 14, 2019 2:48 pm
The only gift I want from my employer is more money.

No company party, no forced holiday cheer. I'm here for money. Pay me more and leave me alone.
HAHAHA, completely agree.

Our department party is tonight. Have to go, but don't want to. Would prefer cash.

Absoutely!
by chrisjul
Sun Nov 24, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Passport Renewal and USPS
Replies: 14
Views: 1359

Re: Passport Renewal and USPS

USPS tracking is notoriously terrible. If your check was cashed the US Passport Agency obviously received it. Sit tight and relax! Its not actually "terrible" but is real. Some of the other delivery services track with "anticipated times and dates". The USPS uses actual scans< usually located on pr...
by chrisjul
Thu Oct 24, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard checking -- Use it or lose it
Replies: 76
Views: 6317

Re: Vanguard checking -- Use it or lose it

I apparently had been informed in an email with the subject line "important information about your check writing service." But I did not open and read the email. This made me laugh, but then I realized I don't read emails like this either. Same here,,,not clear why sport blames the op If I read eve...
by chrisjul
Thu Oct 24, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard checking -- Use it or lose it
Replies: 76
Views: 6317

Re: Vanguard checking -- Use it or lose it

arf30 wrote:
Tue Oct 22, 2019 8:59 am
vg55 wrote:
Tue Oct 22, 2019 8:28 am
I apparently had been informed in an email with the subject line "important information about your check writing service." But I did not open and read the email.
This made me laugh, but then I realized I don't read emails like this either.
Same here,,,not clear why sport blames the op
by chrisjul
Sat Oct 05, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 108
Views: 10459

Re: Who has had a pool?

I've had 3. I swim year round in S FL. Would not own a home without one. Got the first one in 89.

Takes about 15 minutes a week to maintain. Not expensive for repairs either.

Really depends on your climate and how often you will use it.
by chrisjul
Fri Sep 27, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Wheel Alignment?
Replies: 18
Views: 1716

Re: Wheel Alignment?

student wrote:
Fri Sep 27, 2019 6:45 am
I think there is no need for wheel alignment unless the car is pulling to the left or right. At best, do a diagnostic and look at the numbers.
Agree
by chrisjul
Thu Sep 26, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2830

Re: eBay Doesn't match Description or Photos or Missing Parts

My experience with ebay (and I have over 700 feedback) is that they are WORTHLESS in dispute resolution.

Good luck with your issue.
by chrisjul
Tue Sep 24, 2019 3:18 pm
Forum: Personal Investments
Topic: Lending Club issue with 9 states
Replies: 2
Views: 760

Lending Club issue with 9 states

Does anyone know the issue with LC not allowing 9 states to trade?

I have been trading there for 4/5 years. Suddenly, FL is prohibited?
by chrisjul
Sat Sep 21, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 98
Views: 10415

Re: Acura RDX vs Audi Q5

theplayer11 wrote:
Sun Jul 21, 2019 5:37 am
save yourself $12k and get a Mazda CX-5 turbo..on par with the RDX and Q5 IMO

Agree
by chrisjul
Sat Sep 14, 2019 10:11 am
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 121
Views: 6796

Re: Vanguard is Falling Behind Compared to Fidelity

I have approximately half my assets at Vanguard and the other half at Fidelity. Wow, there’s a stark difference between the two brokerages. First the website / app experience is night and day different. Fidelity absolutely places emphasis on the UI. Vanguard isn’t even in the 20th century in terms ...
by chrisjul
Fri Sep 13, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 64
Views: 7895

Re: Beach City / Town in Florida

Tampa Bay area or Jacksonville not pretentious like Miami or dead like Naples One of the things about Naples is you can walk into almost any restaurant at 7:30/8:00 and get a table - if they aren't about to close the kitchen. :P Soooo UNTRUE! In Snowbird Season (SEPT to June), you cannot get in a r...
by chrisjul
Thu Sep 12, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4910

Re: Best Dog Car?

I would personally monetize a Driving Dog!

No matter what car he or she drives!
by chrisjul
Sat Sep 07, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Dimishing value help!
Replies: 21
Views: 1334

Re: Dimishing value help!

I just went through this twice. (Snowbirds are HORRIBLE drivers). Both times, 100% other driver's fault. 2 different companies. One paid me with very little documentation. The other is settling with me next week. Put together as much documentation as possible. Some states don't even allow it. FL doe...
by chrisjul
Fri Sep 06, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 64
Views: 7895

Re: Beach City / Town in Florida

Tampa Bay area or Jacksonville not pretentious like Miami or dead like Naples One of the things about Naples is you can walk into almost any restaurant at 7:30/8:00 and get a table - if they aren't about to close the kitchen. :P Soooo UNTRUE! In Snowbird Season (SEPT to June), you cannot get in a r...
by chrisjul
Wed Sep 04, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Home warranty - is it worth the money?
Replies: 37
Views: 3303

Re: Home warranty - is it worth the money?

I will be the contrarian here. I've moved many times and had several home warranties. The consensus is correct in that the company will fight you, pay you less than the cost of repair, etc. BUT, you will most likely recover the cost of the contract if your appliances are old and near death. If you h...
by chrisjul
Wed Aug 28, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Used Sports Car
Replies: 50
Views: 3329

Re: Used Sports Car

No hesitation here: MIATA.

Most raced car in the world, and the most easily modified if you like.

I've owned several. My 2012 has not had a single repair in 9.5 years.
by chrisjul
Wed Aug 21, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 20923

Re: Do you buy new or used cars?

Have owned about 20 cars in my life and have never bought new. We are looking at a replacement soon and going with a Jeep Wrangler. sadly, dealers list 2017 models with 10k miles for $32k and 2018 0 miles for $32.5k basically ... so, we'll likely get a new one at some point Check Consumers for thei...
by chrisjul
Tue Aug 20, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 20923

Re: Do you buy new or used cars?

Alexa9 wrote:
Fri Apr 20, 2018 11:27 am
I like Honda and Toyota. They are a bargain new but hold their value so well it's not worth it to buy used unless you negotiate a lot. The cost per year is not much different if you drive it for 10-15 years.
I agree with this, except to replace Honda with Mazda. Toyota definitely.
by chrisjul
Mon Aug 19, 2019 9:58 am
Forum: Personal Investments
Topic: P2P lending as a part of port folio
Replies: 15
Views: 948

Re: P2P lending as a part of port folio

I am thinking of investing in P2P lending with a small part of my portfolio (<8% )to add as a diversification to my 65:35 stock bond portfolio . I see 4-7% returns advertised by leading club. Is this a good idea ? You will find that many responses here are from people who have never invested in P2P...
by chrisjul
Wed Aug 14, 2019 1:33 pm
Forum: Personal Investments
Topic: what to buy in this market
Replies: 15
Views: 1791

Re: what to buy in this market

LOL....you are asking the wrong crowd.

You will get the "set it and forget it" answers.

But there are good answers to your good question.....just not here on this forum,
by chrisjul
Mon Aug 05, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 25
Views: 2045

Re: Pontoon Boat Recommendations?

Look into boat clubs. I owned boats for years but joined a boat club 10 years ago.

I will NEVER own a boat again.
by chrisjul
Tue Jul 30, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: F150 Repair advice
Replies: 39
Views: 2161

Re: F150 Repair advice

AZAttorney11 wrote:
Tue Jul 30, 2019 10:52 am
^The Tacoma is the best small truck on the market. The Tundra, however, is a dog. It’s dated and has awful mpg.

I definitely prefer the Tacoma
by chrisjul
Tue Jul 30, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: F150 Repair advice
Replies: 39
Views: 2161

Re: F150 Repair advice

fortfun wrote:
Tue Jul 30, 2019 10:45 am
These days, engines should last a lot longer than 105k. I'd put in the used engine, sell it, and put the proceeds towards a Tundra.


EXACTLY what I was about to say.....or a Tacoma depending on the size truck you need. 105K is ridiculous.
by chrisjul
Sat Jul 27, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 7079

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

Jack FFR1846 wrote:
Sat Jul 27, 2019 7:32 am
Paint ball gun. Won't kill but it's going to hurt like heck and a full auto barrage will absolutely drive someone out.


Or......move.

Sure.....Paint ball will make someone mad if you shoot them.

Shotgun will end the matter.

Home defense.....the last level.
by chrisjul
Tue Jul 23, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 3163

Re: Buenos Aires - How many days?

Also, I do agree with skipping BA and taking in Patagonia.....awesome!
by chrisjul
Tue Jul 23, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 3163

Re: Buenos Aires - How many days?

Its a giant, crowded city of 15 million.

Depends....you could spend a weekend or a month
by chrisjul
Mon Jul 22, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 10001

Re: C8 Corvette - who is buying?

I will never buy a GM (Government Motors) new product again.

Not after they cost the taxpayers over $10 Billion in the Bailout!
by chrisjul
Mon Jul 22, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 10001

Re: C8 Corvette - who is buying?

AerialWombat wrote:
Sun Jul 21, 2019 7:19 pm
slick_dealer_05 wrote:
Sun Jul 21, 2019 6:36 pm
Once you go electric, it's very hard to go back to internal combustion engine cars.
No matter the leap that Corvette is taking, it's still a gasoline car.
Race ya' 500 miles.

Yeah. That's what I thought. :beer
LOL...weak.....do you often race 500 miles.....I agree ...ELECTRIC all the way!
by chrisjul
Sun Jul 07, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is an MBA worth it these days?
Replies: 55
Views: 7710

Re: Is an MBA worth it these days?

It's only worth it if you can get into a top ten school. I was in engineering and thought I needed to get an MBA to switch into a business field. Had to move to NYC when my wife's residency matched there. Made the leap of trying to transition without the MBA and landed a dream job. The icing on the...
by chrisjul
Sun Jul 07, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Pre Cruise Ft Lauderdale Hotel
Replies: 36
Views: 2445

Re: Pre Cruise Ft Lauderdale Hotel

Embassy Suites on 17th.......5 minutes from port...great hotel, free happy hr and omelette chef in the morning (also free)
by chrisjul
Sat Jul 06, 2019 9:43 am
Forum: Personal Investments
Topic: Does anyone own gold?
Replies: 108
Views: 12578

Re: Does anyone own gold?

Used to....losing proposition for me. Dont anymore.

Its like being a "Don't" better in craps . You are hoping for disaster. Dont like that.
by chrisjul
Sat Jul 06, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 84
Views: 6497

Re: 50-60k boat purchase??

bloom2708 wrote:
Fri Jul 05, 2019 1:42 pm
I'm on the "pay cash for toys" bandwagon.

Doesn't seem like that is an option. Suze Orman...denied.... :wink:


DITTO,,,cash or pass
by chrisjul
Sun Jun 23, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 5202

Re: Prius vs Prius Prime (plug-in)

I'm on my 2nd. 12 years of Prius and not the first repair yet. Strange some worry about the "stigma".

I will go fully electric on the next one.

VERY happy with the Prius and feel the "stigma" is a positive one.
by chrisjul
Fri Jun 21, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 18340

Re: what was your worst major purchase mine is a 2019 mazda3

markcoop wrote:
Fri Jun 21, 2019 11:34 am
Oddly enough, I think my 2018 Mazda 3 was one of the better car purchases I ever made.
Ditto on my Mazda . Best car I have ever owned.
by chrisjul
Fri Jun 14, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Del webb in Florida
Replies: 20
Views: 2798

Re: Del webb in Florida

Most important criteria has to do with least number and severity of flooding and hurricane Thanks all I saw an insurance study that rated Naples as the safest area from storms among the places you list, but I don't know if I would take any comfort from that. It's coastal Florida, you take your chan...
by chrisjul
Fri Apr 19, 2019 1:50 pm
Forum: Personal Investments
Topic: Leave a job with a pension?
Replies: 39
Views: 4816

Re: Leave a job with a pension?

A pension is a HUGE issue these days and rare. Don't underestimate it's value. It can be calculated with a good spreadsheet.
by chrisjul
Fri Apr 19, 2019 1:46 pm
Forum: Personal Investments
Topic: Vanguard wire transfers without 'medallion signature guarantee'
Replies: 8
Views: 1328

Re: Vanguard wire transfers without 'medallion signature guarantee'

Vanguard has become very annoying, and incredibly slow on these matters.

I could find no way around it for the various transfers I have made recently. Had I know how slow and unresponsive Vanguard has become, I would have considered Fidelity.

Good luck!
by chrisjul
Mon Apr 08, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 10186

Re: fun car advice

New Miata....then upgrade suspension, air intake, exhaust, tires, etc. I had dealer do all my upgrades. Awesome car now. Will last forever. Miata is THE most raced car....you can drive it to the track or just enjoy spirited street driving.

Incredibly reliable. FUN CAR
by chrisjul
Sat Apr 06, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 36918

Re: "The best and worst U.S. states for retirement"

Send out the word, Florida is full up We have enough for now Truth be known (or my opinion), any state that offers a climate that gets people outside to walk or play (where tennis and golf can be played all year long) is a good place to be. There is a lot to be said for longevity I agree...NO MORE ...
by chrisjul
Sun Mar 03, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: Peer to Peer (P2P) Lending - What are the realistic returns?
Replies: 30
Views: 3516

Re: Peer to Peer (P2P) Lending - What are the realistic returns?

I'm happy. Most who recommend against it have never actually experienced it. I don't think so. Many individual investors are exiting this asset class due to declining returns. I might be ambivalent if I was earning 6%, but certainly not at 4%. The illiquidity and platform risks are not insignifican...