Search found 102 matches

by chartcab3785
Wed Sep 19, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 6377

Re: Chase Bank is the Devil

What is the value of the points earned per month? What is the value of the points/miles/cashback you'd earn with the card from another bank you are considering? Will the other bank give you QB direct connect for free forever? Can you use the ultimate rewards points earned on the Ink Preferred card t...
by chartcab3785
Thu May 17, 2018 7:06 pm
Forum: Personal Investments
Topic: Confusion on my Expense Ratio
Replies: 2
Views: 436

Re: Confusion on my Expense Ratio

You have to get fee information specific to your plan. Some people pay a lot for vanguard index funds. The information you find on Morningstar is irrelevant. There may be quarterly fees and service fees in addition to the ERs. Thanks, I did request the fee disclosure statement from the plan adminis...
by chartcab3785
Thu May 17, 2018 6:35 pm
Forum: Personal Investments
Topic: Confusion on my Expense Ratio
Replies: 2
Views: 436

Confusion on my Expense Ratio

At my last employee review, I was able to share my displeasure with our 401k plan(see https://www.bogleheads.org/forum/viewtopic.php?f=1&t=142989 for the plan details) The response was positive, asking me to summarize my issues and make suggestions for alternatives. I am collecting data(list of fund...
by chartcab3785
Tue Mar 27, 2018 1:24 am
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 4310

Re: Hyundai Kona

Todays bit of humor- I got a quote on a Kona from the local dealer that included $4995 additional dealer markup. OTD price just over $32k for a limited trim. :oops:
by chartcab3785
Mon Mar 26, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 4310

Re: Hyundai Kona

I posted a few months ago asking about Hyundai quality, as I was interested in a forthcoming model, the small SUV Kona. The Kona is now hitting dealerships. Anyone else interested? Anyone drive one? I'm thinking about purchasing one but am waiting for some test drives to be published. Lots of test ...
by chartcab3785
Wed Dec 20, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: New Zealand Accomodations
Replies: 23
Views: 2501

Re: New Zealand Accomodations

What kind of accomodations are you looking for? AirBNB? Motel? Fancy? We have pretty much used tripadvisor as our guide to accommodations there except when using AirBNB. It's the only place I can recall where part of the checkin process at most of the small places included handing us single serve ca...
by chartcab3785
Wed Dec 20, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: New Car; Maintenance
Replies: 30
Views: 2736

Re: New Car; Maintenance

Parking: Auto CVT Transmission - always use parking brake? I was under the impression that the 2018 Civic Automatics automatically engaged the electric parking brake when you shift into park? As someone else said, check out civicx.com if you haven't already. Pretty comprehensive information there. ...
by chartcab3785
Tue Dec 19, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Which cell phone to buy--need good camera?
Replies: 31
Views: 3083

Re: Which cell phone to buy--need good camera?

Yes, I really hate the small size of the SE. I have fat fingers! I actually prefer the largest screen phones for typing, but am willing to compromise on that...but not to the size of the SE. As far as the At&t mnvos, yes Cricket works with iphone MMS, but part of my objective is to be able to choos...
by chartcab3785
Tue Dec 19, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Which cell phone to buy--need good camera?
Replies: 31
Views: 3083

Re: Which cell phone to buy--need good camera?

We just decided to get my MIL a 32GB iPhone SE. The Moto G5 + was also a top contender. I thought iPhones were out the window as we only wanted to spend a couple hundred. But this phone is $150 at Best Buy for AT&T prepaid, and will work on any of the AT&T networks like Cricket. (Cricket is the serv...
by chartcab3785
Mon Dec 18, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 39
Views: 4185

Re: 4WD necessary/recommended on Big Island, HI

The one place we have been where a 4WD would have been nice is at the Waipo Lookout. There is a one-lane road going down to the valley floor that is for 4WD only. Rental 4WD vehicles would probably be ok there. Have rented a 4WD there and on another trip taken my own 4X4 (live on another HI Island)...
by chartcab3785
Mon Dec 11, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Where might be car security system "secret" button?
Replies: 17
Views: 2694

Re: Where might be car security system "secret" button?

The valet button on my aftermarket security system is at the top of the drivers side kick panel(forward of the door). The 'brain' of this system is located under the dash on my vehicle, so this was a convenient location for the installer. If yours isn't there, try and find the brain and trace wires ...
by chartcab3785
Wed Dec 06, 2017 1:51 pm
Forum: Personal Investments
Topic: Will I make it? (Another "evaluate my financials" post..)
Replies: 19
Views: 1790

Re: Will I make it? (Another "evaluate my financials" post..)

401K's (no matching): $3K Is there a typo? DW and I are Dual Income No Kids and similar ages as you. Had a bit of an earlier start than you and bought a home 13 yrs ago. I'm a worrier and thus don't feel over confident with our retirement savings. With retirement ~20+ yrs away, a lot can and will l...
by chartcab3785
Wed Jan 11, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 4130

Re: Trip to Kona, Hawaii - Suggestions

Aloha We have lived on the big island kona for 5 years and prior to that vacationed here for 8 years. Sounds like you all ready have 2 days booked 1 for volcano and one day for diving. I would recommend the book big island revealed by Andrew doughty. 300 pages of places to visit maps and many off t...
by chartcab3785
Wed Jan 11, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: looking for a cloud backup service that works with mapped network drives
Replies: 11
Views: 2266

Re: looking for a cloud backup service that works with mapped network drives

Our Business(small) uses MozyPro. We backup our Synology NAS from a mapped drive on another pc(including revisioning).
by chartcab3785
Wed Jan 11, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 4130

Re: Trip to Kona, Hawaii - Suggestions

Pu'uhonua O Honaunau Park is worth a quick look. The volcano is far away from where you're staying. Ideally, you book some time at Volcano or Hilo so that you don't have to pull off a lengthy day trip to get over there. Granted, there's not a lot of hotels/resorts in Hilo, since it's on the rainy s...
by chartcab3785
Wed Jan 11, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Are $50 drugstore and supermarket "drones" any fun?
Replies: 18
Views: 3117

Re: Are $50 drugstore and supermarket "drones" any fun?

The small helicopters are very fun and easy to fly indoors - especially if you have some higher ceilings - so might be a quick and cheap way to get a feel for flying depending on exactly what you are wanting to do: https://www.amazon.com/Syma-S107-S107G-Helicopter-Colors/dp/8499000606/ref=sr_1_6?s=...
by chartcab3785
Wed Dec 21, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K and reducing MAGI for Obamacare
Replies: 13
Views: 1775

Re: Solo 401K and reducing MAGI for Obamacare

I would think that solo 401k employER contributions also reduce AGI, as that is less income which flows on the first page of the 1040, line 12? In which case, any solo 401k contribution at all would reduce AGI (assuming no Roth option of course). Just making that explicit in case anyone is confused...
by chartcab3785
Wed Dec 21, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Interest Deduction
Replies: 23
Views: 3117

Re: Mortgage Interest Deduction

grettman wrote:
MN Finance wrote:What do you think? Did u try to Google home office deduction?

The snarkyness on this forum often gets tiresome. Technically, google can replace the entire site if one wants to go down that road.
Many of the good google results on topics oft discussed here, unsurprisingly, link back to here.
by chartcab3785
Wed Dec 21, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K and reducing MAGI for Obamacare
Replies: 13
Views: 1775

Re: Solo 401K and reducing MAGI for Obamacare

Solo 401K employee contributions go on line 28, thus reduce AGI.

https://ttlc.intuit.com/questions/21694 ... ntribution

and various other pages come up when googling variations of 'solo 401k AGI line 28'.
by chartcab3785
Fri Dec 16, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: When to make Roth IRA contribution
Replies: 9
Views: 1016

Re: When to make Roth IRA contribution

According to an investopedia article,[5] studies indicate that lump sum investing has produced higher returns 66% of the time." I would have assumed studies like this are comparing investing a lump-sum now vs. spreading it out over the future? OP is lump summing for the prior years Roth contributio...
by chartcab3785
Mon Dec 05, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about chase 5/24 rule
Replies: 15
Views: 2449

Re: Confused about chase 5/24 rule

Simple answer, count up the *new* cards, in your name, that you've *opened* with any bank over the last 24 months. If the number is greater than 5, then you'll need to wait until that number drops below 5 for the previous 24 months. Old cards, the total number of cards, your wife's cards, whether t...
by chartcab3785
Fri Sep 16, 2016 4:03 pm
Forum: Personal Consumer Issues
Topic: How to fix doors that don't close after new carpet installation
Replies: 36
Views: 14095

Re: How to fix doors that don't close after new carpet installation

... My neighbor cut the bottom of a door off for me with his table saw that he set up in his driveway. It took less than 10 minutes. I don't remember it being a problem. Probably not by his/her self. :!: Running sheet goods through a table saw without a sled and support of the work piece is dangero...
by chartcab3785
Mon Sep 12, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 6028

Re: Toyota, Honda, Nissan or Chrysler Minivan?

They warped early on, and I convinced the dealer to do a "courtesy one-time" turn of the front rotors. They are warped again. I wish I could have them replaced with more heavy-duty rotors or something. You probably can, I just googled 2012 odyssey rotors and saw quite a few options (didn't dig into...
by chartcab3785
Mon Aug 29, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Door lock actuators: am I getting fleeced?
Replies: 31
Views: 11490

Re: Door lock actuators: am I getting fleeced?

There was another discussion of toyota door lock actuators in a recent thread. I did a search in the forum for 'door lock actuator' and the posts that came up all seemed to be Toyota related, confirming what boglegrapper said about an endemic issue. (though I did change one on our 2004 Honda, for ab...
by chartcab3785
Fri Aug 05, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Advice on purchasing a new Honda CRV
Replies: 26
Views: 5656

Re: Advice on purchasing a new Honda CRV

What we'll probably do is put as much of it as we can on our Citi 2% card (up to the limit the dealership will allow) as we can which we can pay off in a few months and either do the rest from stock or finance. I hope that you mean you'd pay it off in full at the end of the month and not pay Citi's...
by chartcab3785
Mon Jul 25, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: I need an awesome tech backpack. Any recommendations?
Replies: 22
Views: 3320

Re: I need an awesome tech backpack. Any recommendations?

I bought this one from Costco 3+ years back. Very sturdy with lots of room. Can't beat the price too. $34.99 https://www.google.com/search?q=costco+high+sierra+backpack&tbm=isch&tbo=u&source=univ&sa=X&ved=0ahUKEwiZrPO5347OAhUCKiYKHft_AdEQsAQIcA&biw=1600&bih=740#imgrc=6YGn0FV32hjAPM%3A I have this b...
by chartcab3785
Mon Jul 25, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 59
Views: 9921

Re: My experience with "older" used car

I recently had a similar issue with the drivers power door lock actuator on my 2001 Tacoma(70K miles). In Toyota's infinite wisdom, they made the actuator and door lock/latch one unit at the cost of $300. Lots of reading and video watching on fixes for this, none of which matched the design of mine....
by chartcab3785
Wed Jul 13, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 12923

Re: Do you tip Uber drivers?

I had a driver who dropped us off at our hotel after a late flight give us a 1.5L bottle of Fiji Water. Same water in the room at a third the size would have been $5 or something. Unfortunately she surprised us with it and we were already fumbling with luggage and unable to get a tip out. 5 star rat...
by chartcab3785
Fri Jul 08, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!
Replies: 48
Views: 7239

Re: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!

Paid a similar amount to replace a wheel bearing on a 2004 Civic. Only did the one, has been 3-4 yrs since. I don't see an obvious reason to do them in pairs. Nor did the Honda specialist who did the work suggest it to me.
by chartcab3785
Thu Jun 30, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Visa and Costco?
Replies: 17
Views: 6137

Re: Chase Freedom Visa and Costco?

I had forgotten that last week was when Costco switched cards. You would've thought they would've thought to remind me more in store the last few weeks I went there and used my Amex. Anyhow, my wife ended up having a debacle at the gas line with her Amex card today, as we don't have a Visa and she ...
by chartcab3785
Mon Jun 27, 2016 6:04 pm
Forum: Personal Consumer Issues
Topic: Dashcam recommendations
Replies: 26
Views: 6495

Re: Dashcam recommendations

Looks like there is a good dashcam on sale now: http://slickdeals.net/f/8875371-g1w-cb-2-7-1080p-full-hd-car-dvr-mirror-camera-capacitor-37-free-shipping Ah that is actually the same deal I got from the same seller a few months ago. Note that this ships from Hungary. It took probably 3 weeks for it...
by chartcab3785
Mon Jun 27, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Dashcam recommendations
Replies: 26
Views: 6495

Re: Dashcam recommendations

Is it true that all dashcams cannot have their mph logs erased, that is you can be caught speeding? I would imagine that on some it can be removed. Certainly the video could be edited after the fact to crop off the stamps/speeds, etc. Approximate speeds can be assessed from a normal speed video wit...
by chartcab3785
Mon Jun 27, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: Dashcam recommendations
Replies: 26
Views: 6495

Re: Dashcam recommendations

I spent a lot of time on dashcamtalk.com before finally buying dashcams. I kept trying to justify spending a little bit more for this feature or that feature, typical analysis paralysis. I finally ended up just buying a couple of the Blackbox GW1-CB and 32GB MicroSD cards. https://www.amazon.com/gp/...
by chartcab3785
Tue Jun 21, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: Bed sheets like they used to be?
Replies: 56
Views: 17505

Re: Bed sheets like they used to be?

We also struggle with finding sheets that we love. For 6 months or so we've been using the Sam's Club Hotel Luxury Reserve Collection 1000 TC sheets and enjoy them. A house sitter changed our sheets before we got back home a couple nights ago and put on the bamboo(probably cheap) set we had. Ripped ...
by chartcab3785
Sat Jun 11, 2016 4:06 pm
Forum: Personal Consumer Issues
Topic: Replace timing belt and water pump - dealer or indepedent?
Replies: 20
Views: 2903

Re: Replace timing belt and water pump - dealer or indepedent?

Pretty much the same advice as above. I'd second the independent make(toyota) specialist. They should be cheaper than the dealer but possibly more than a chain place like a goodyear service center. I went with a goodyear many years ago. Went home, opened hood, saw missing bolts and drove back. Mecha...
by chartcab3785
Tue Jun 07, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: Vacation in Hawaii
Replies: 36
Views: 6067

Re: Vacation in Hawaii

PS: Maui can get windy and cool. It's called the windy isle for a reason. Oahu/Waikiki is a tad warmer. Sometimes the wind on Maui surprises people but we love it as it comes. Maui is known as the valley isle . But of course it definitely is windy. Though most notably on the plain between the west ...
by chartcab3785
Fri Jun 03, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Move to Denver (Job) or stay in NoVA ?
Replies: 53
Views: 6822

Re: Move to Denver (Job) or stay in NoVA ?

Being able to see beyond the trees next to the road (Virginia) as opposed to vistas even on a regular commute are worth living in CO. While I'm sure this is a highly personal thing, I totally agree. Having never lived somewhere without significant views of the horizon, I feel something akin to clau...
by chartcab3785
Wed Jun 01, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: New cars.....when do you first detail them?
Replies: 48
Views: 6843

Re: New cars.....when do you first detail them?

I used to do this in high school. It was my first truck and although it was definitely hooptie-esque I still remember toiling away in the driveway with the Armor-All, Lexol, Rain-X, sponges, towels, etc. while listening to 2-Pac over the crappy speakers. If you were to ask my 11 year old Honda the ...
by chartcab3785
Fri May 27, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Car lease buyout
Replies: 10
Views: 2257

Re: Car lease buyout

I'm meeting with the dealer next week at which point they'll process everything through their lender, which is Mazda Capital Services/Chase Bank. From everything I've researched credit unions offer lower loans and I plan to join one for this purpose. I think it's very unlikely that Mazda can beat t...
by chartcab3785
Fri May 20, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: Trip to Portland, Oregon
Replies: 35
Views: 4420

Re: Trip to Portland, Oregon

We will get a rental car, but probably from an off airport site. Definitely check the prices both ways. For one way rentals, sometimes the airport car rental rates are better than those at off-airport locations even factoring in the airport concession fees, etc. Also note July 4 weekend is a major ...
by chartcab3785
Fri May 20, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 92
Views: 13507

Re: Arrgghhh !!! Windows 10 installed overnight

At least 3 of the office PCs decided to autoinstall Win10 here this AM. In the middle of people doing their jobs. :oops:

Things have been going smooth since their upgrades or I would have heard about it.
by chartcab3785
Tue May 17, 2016 7:09 pm
Forum: Personal Consumer Issues
Topic: Renting a car in Australia
Replies: 8
Views: 2125

Re: Renting a car in Australia

For me, it depends on the country. I would probably decline it in Australia and use my credit card coverage. I purchased all possible coverage in Mexico; right or wrong, I have less faith in the police and car rental companies there. I have rented about a half dozen times in Europe and always decli...
by chartcab3785
Fri May 13, 2016 2:43 pm
Forum: Personal Consumer Issues
Topic: Complete Car Noob- Help Making First Vehicle Purchase
Replies: 72
Views: 9579

Re: Complete Car Noob- Help Making First Vehicle Purchase

pghpens wrote: I really like driving the Ford Fusion as my rental car as well.!
I enjoyed a rental Fusion a year ago or so. A couple of weeks ago we rented another one that had 20,000 mi on it. It felt pretty tired/worn. Granted, 20K in a year or so is some pretty heavy mileage.
by chartcab3785
Thu May 12, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: Quality; shower hardware where to find it?
Replies: 23
Views: 2355

Re: Quality; shower hardware where to find it?

Find a bathroom supply store with a nice showroom. Find one that at the least has a few of the names mentioned above. There's no substitute for seeing things in person and also touching them, especially to avoid that cheap feeling that isn't visible in photos. Once there, find a sales rep (yes, the...
by chartcab3785
Tue May 10, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Carmax accident report
Replies: 11
Views: 3280

Re: Carmax accident report

Rear Center sounds like maybe a reversing car vs. pole incident?
by chartcab3785
Thu May 05, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 60
Views: 20622

Re: Anyone use Fidelity as their bank account?

Thanks for the response and link to the Visa exchange rate calculator. I definitely should consider getting one of these accounts.
by chartcab3785
Thu May 05, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 60
Views: 20622

Re: Anyone use Fidelity as their bank account?

What I love about the account, is having ATM fees reimbursed, and not have any foreign transaction fees when using a non-U.S. ATM. This is the second time I've read this online in the last two days and it got my interest piqued. I went over to the fidelity website and see this in the fine print: 1....
by chartcab3785
Tue Apr 26, 2016 8:09 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 57
Views: 5809

Re: Off to Australia - need advice

A few highlights from our 4 or 5 visits to MEL / SYD. No time to see if I'm repeating anyone else's suggestions. In MEL we rented a car and drove to Philip Island(with winery stops along the way) to see the Little Penguins. They come ashore at dusk nightly. We opt'ed for the deluxe package which had...
by chartcab3785
Wed Apr 20, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: Toyota Tacoma owners?
Replies: 56
Views: 9852

Re: Toyota Tacoma owners?

Former president of the local chapter of a Toyota truck club here. 2001 Tacoma. Had the TRD supercharger for a few years along with some fuel system upgrades. Sold that to buy engagement ring. (Was a good choice) Engine has never liked 87 octane since. (spark knock) Did have a leaky rear main seal r...
by chartcab3785
Mon Apr 18, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Door problems with new Subaru
Replies: 41
Views: 7193

Re: Door problems with new Subaru

Hi Brak - your Subaru has special 1-way vents under the rear bumper cover that allow air out of the cabin, but not in. They have a magnetic seal. Possibly the magnetic seal on your car is defective - too strong. I found a good YouTube video of the vents functioning on an outback. I wonder if the ve...