Search found 560 matches

by msi
Mon Jul 13, 2020 5:20 pm
Forum: Personal Consumer Issues
Topic: Visiting dentist during pandemic (still under stay home orders)
Replies: 30
Views: 2263

Re: Visiting dentist during pandemic (still under stay home orders)

They didn't use the ultrasonic scaler when I went in for a cleaning the other day. The hygienist manually scraped each tooth and then used the polishing tool. I was a bit apprehensive before the appointment, but it went fine. They had HEPA filters in each room, everyone wore a face shield/mask, and ...
by msi
Mon Jun 29, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: SUV, 2 row, 40k USD
Replies: 41
Views: 2965

Re: SUV, 2 row, 40k USD

Take a look at the Mazda CX-9. It's a 3-row but definitely on the small size for that class - both in physical dimensions and in the way it handles. My wife thought a 3-row would feel too big for her but she loves it. It handles more like a sedan than a a SUV. It also has a lot of features/tech for...
by msi
Sun Jun 28, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: Need tips on buying a used car with a trade in
Replies: 20
Views: 1004

Re: Need tips on buying a used car with a trade in

First, it doesn't matter what the dealer is offering the car at. I think you should be able to get it for 15% to 20% less with proper negotiation. This is not realistic. Read this article written by a Jalopnik writer and professional car broker.. I wrote from my personal experiences and the experie...
by msi
Thu Jun 11, 2020 6:10 pm
Forum: Personal Consumer Issues
Topic: Replace HVAC before selling house?
Replies: 24
Views: 1505

Re: Replace HVAC before selling house?

I would just replace it.
by msi
Tue Jun 09, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: EPO Horror Stories? [Exclusive Provider Organization - health insurance]
Replies: 30
Views: 2652

Re: EPO Horror Stories?

Just because a plan says Blue Cross does not necessarily mean any Blue Cross provider nationwide would be in-network. For example, Horizon Blue Cross Blue Shield of NJ has a completely different network than Independence Blue Cross (PA) or Empire Blue Cross Blue Shield (NY). The EPO plan I used to b...
by msi
Sat Jun 06, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: Struggling on Purchasing the Right Car
Replies: 54
Views: 4014

Re: Struggling on Purchasing the Right Car

The 2018 Honda Civic only has a 3/5 for reliability from Consumer Reports. Same for 2020 as well as the rest of the current generation.

Toyota Corolla has a 5/5.

3/5 isn't bad, but I certainly wouldn't pay any sort of brand name premium for it.
by msi
Fri Jun 05, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: Nursing home has requirements for employees' private lives due to covid
Replies: 38
Views: 2742

Re: Nursing home has requirements for employees' private lives due to covid

I have an in-law who works in a nursing home. She told me she is not allowed to have visitors in her home or be in close proximity to anyone not living with her (including her grandchildren). If she does, her employer requires that she quarantine herself for 14 days prior to returning to work. I fo...
by msi
Wed Jun 03, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: First Model Year Acura
Replies: 18
Views: 1192

Re: First Model Year Acura

I hear it all the time - "Acura is just a Honda with an Acura badge". I don't think this is true. Check our CR's most reliable brands ranking for 2019. Honda comes in at 12 - not bad. Acura is 28 out of 30. https://www.consumerreports.org/car-reliability-owner-satisfaction/who-makes-the-most-reliab...
by msi
Wed Jun 03, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: First Model Year Acura
Replies: 18
Views: 1192

Re: First Model Year Acura

It's smarter to wait and see, but the new TLX sure is a nice-looking car.
by msi
Mon Jun 01, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13785

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

The Grand Cherokee is a nice vehicle, but it didn't do all that well in IIHS testing: https://www.iihs.org/ratings/vehicle/je ... r-suv/2020
by msi
Sat May 23, 2020 6:40 am
Forum: Personal Consumer Issues
Topic: 2018-19 SUVs
Replies: 9
Views: 835

Re: 2018-19 SUVs

Lexus NX
by msi
Sat May 23, 2020 6:38 am
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 39
Views: 2907

Re: Amazon Prime delayed shipping

I've had much faster deliveries with walmart.com during this whole thing.
by msi
Wed May 20, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 201
Views: 16331

Re: Some possible luxury SUV choices to buy: Opinions?

If I was in the market for a $40K new SUV, my first test drive would be an Acura RDX. We owned an older model and it was a great vehicle. Sad to see the V6 go away but there is someone local that has a new blue one that has the red leather and looks sweet. If I wanted something a little bigger, the...
by msi
Tue May 19, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: Do you give mechanics 2nd (3rd) chances?
Replies: 22
Views: 1696

Re: Do you give mechanics 2nd (3rd) chances?

No, I would find another mechanic.
by msi
Sat May 16, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: In your experience, what is the credit card with the best customer service?
Replies: 36
Views: 2114

Re: In your experience, what is the credit card with the best customer service?

There seems to be almost universal agreement that AMEX provides the best service. I have not had an AMEX card since Costco converted theirs to VISA. In the past I have avoided AMEX since most of them charge an annual fee which is undesirable to me. Are there any AMEX cards without an annual fee tha...
by msi
Fri May 15, 2020 12:11 pm
Forum: Investing - Theory, News & General
Topic: Should Vanguard offer a CMA/Service ?
Replies: 55
Views: 3509

Re: Should Vanguard offer a CMA/Service ?

The only thing I wish Schwab did better was cash management. Considering their size ($3.7 trillion in assets under management) and being an actual bank with ~$300 billion in bank assets I would think they could have a cash management service more like Fidelity. Meaning they lack the automated trans...
by msi
Fri May 15, 2020 8:34 am
Forum: Personal Consumer Issues
Topic: Buying Amazon vs direct from company....
Replies: 40
Views: 3242

Re: Buying Amazon vs direct from company....

You might be able to get cash back through Rakuten or another cashback portal if you go direct.

Otherwise, choose based on return policy.
by msi
Thu May 14, 2020 10:04 am
Forum: Personal Consumer Issues
Topic: Visible wireless. Any experience?
Replies: 20
Views: 2554

Re: Visible wireless. Any experience?

Does Visible have any way to make/receive calls to/from Canada? Or is it strictly 100% US?
by msi
Wed May 13, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11437

Re: Dentist charges $10 for PPE

They also should have told you about this new fee prior to the visit, not just sprung it on you when you were there.
by msi
Wed May 13, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11437

Re: Dentist charges $10 for PPE

That's absurd.
by msi
Tue May 12, 2020 7:33 am
Forum: Personal Finance (Not Investing)
Topic: $5k - $7k to replace engine, or get something else? (loan on car)
Replies: 109
Views: 6994

Re: $5k - $7k to replace engine, or get something else? (loan on car)

dang, acura that needs a new engine, i dont think i will live to the day i will see something like that, looks like i will cross acuras from my buying list, that will leave only toyota on there I dunno why people like honda / acura so much. I know 3 people who had problems with various honda / acur...
by msi
Thu May 07, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5367

Re: Where do you back up your important data?

I use a mix of Time Machine and Arq 5. Works for me.
by msi
Wed May 06, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4608

Re: 2020 travel plans

We are definitely not going on the cruise we had planned for in July...

Probably just end up with short trips to places we can drive to.
by msi
Wed May 06, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9635

Re: Amazon Prime Membership Question

I've had much better experiences with walmart.com during all of this.
by msi
Thu Apr 16, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Car Dealers not really wanting to make a deal

They don't even want to make a deal on a left over 2019 version. I agree that they just don't see a need right now. I am not in any hurry. I am working from home anyway so I don't actually "need" the car I have right now. :sharebeer I was just thinking I might be able to take advantage of some pric...
by msi
Thu Apr 02, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity shuts 3 (Treasury) MM Funds to New Investors
Replies: 91
Views: 7188

Re: Fidelity shuts 3 (Treasury) MM Funds to New Investors

I have a lot of money in FZDXX which is the Fidelity MM Fund Premium Class. A few days ago it said the yield was 1.50 now it says 0.66 - Is this fund safe? I would hope it wouldn't (can't) break the buck so to speak? Where within Fidelity would be the safest place for my money? I see people mention...
by msi
Thu Apr 02, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: Buying T-Bills - direct purchase vs. ETFs
Replies: 8
Views: 526

Re: Buying T-Bills - direct purchase vs. ETFs

I've been using SHV for a while now.

Really don't mind the tiny ER in exchange for the convenience and simplicity. Be prepared for it to return absolutely nothing going forward though. Might be better off in high yield savings.
by msi
Thu Mar 12, 2020 4:28 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Down >4%
Replies: 49
Views: 8992

Re: Total Bond Market Down >4%

Many bond ETFs are trading below NAV, not just Total Bond Market. It's a liquidity issue.
https://www.bloomberg.com/news/articles ... -bond-etfs
by msi
Fri Mar 06, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: Bradford White water heaters — good?
Replies: 22
Views: 1803

Re: Bradford White water heaters — good?

We haven't had any problems with our Bradford White.
by msi
Wed Mar 04, 2020 7:53 am
Forum: Personal Consumer Issues
Topic: Pay for repairs on older car vs upgrading
Replies: 23
Views: 1411

Re: Pay for repairs on older car vs upgrading

Don't sink any more money into this. Time for different car.
by msi
Fri Feb 28, 2020 9:44 am
Forum: Forum Issues and Administration
Topic: Forum is very slow?? is this just today?
Replies: 151
Views: 9945

Re: Forum is very slow?? is this just today?

Slow on and off for the past hour today.
by msi
Fri Feb 14, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: How are you spending Valentine's day?
Replies: 64
Views: 3999

Re: How are you spending Valentine's day?

Flowers + truffles for my wife, and then we're going out tonight for dinner.
by msi
Mon Jan 27, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: Fridge water filter good enough?
Replies: 47
Views: 4384

Re: Fridge water filter good enough?

You don't have to buy brand name filters. We're using the AmazonBasics brand to replace our OEM fridge filter, and it's been working great.
by msi
Sun Jan 26, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 201
Views: 16331

Re: Some possible luxury SUV choices to buy: Opinions?

Starting to look at some possibilities in this class. Looking at pricing max around the mid 40s with all the safety goodies: auto braking, adaptive cruise, lane keeping assist, blind spot warning, cross-traffic alert. Also desire android auto, can take or leave in-dash navi. Don't want a panoramic ...
by msi
Mon Jan 20, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 201
Views: 16331

Re: Some possible luxury SUV choices to buy: Opinions?

I see that the Mazda CX-5 is quite close in dimensions to the Acura RDX, just a bit shorter but with the same cargo capacity. The top level Signature trim can be had for $10K less than the RDX Advance trim. Consumer Reports evaluated the reiiability of the CX-5 as above average and the RDX below av...
by msi
Sun Jan 19, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: Switching from AT&T to Mint Mobile, any drawbacks?
Replies: 42
Views: 4366

Re: Switching from AT&T to Mint Mobile, any drawbacks?

I almost made the switch 6 months ago. Even got a tester sim and it all worked perfectly, we currently have tmobile. I ultimately did not because of security. With the new port scams you have that least consider it, I think. When I looked into it, the pin to port your phone number was the last 4 of...
by msi
Fri Jan 17, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 201
Views: 16331

Re: Some possible luxury SUV choices to buy: Opinions?

The 2020 RDX gets a 1/5 for reliability from Consumer Reports (largely due to in-car electronics). The previous generation though, if you're open to CPO/used, is quite reliable.
by msi
Sun Dec 22, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Credit card payment habits
Replies: 72
Views: 4328

Re: Credit card payment habits

I pay it in full when I get the statement.
by msi
Wed Dec 11, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefits?
Replies: 83
Views: 10911

Re: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefi

Which one of the 2% cards has the best customer service?

I'm open to credit union cards like Alliant, SDFCU, or Penfed's options also.
by msi
Tue Nov 19, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Best iPhone Car Mount
Replies: 5
Views: 705

Re: Best iPhone Car Mount

I'm using the ProClip https://www.proclipusa.com

It's a two part system, where you get a mount specific to your vehicle and then a holder specific to your phone.
by msi
Mon Nov 11, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Acura TLX owners
Replies: 17
Views: 1696

Re: Acura TLX owners

Thought about getting the TLX, but you should know this from the IIHS https://www.iihs.org/ratings/vehicle/acura/tlx-4-door-sedan/2019 re "Small overlap front: driver-side": Although intrusion into the driver's space was minimal, forces on the dummy's legs were high enough to indicate a significant ...
by msi
Mon Nov 04, 2019 11:09 am
Forum: Personal Investments
Topic: [Why is VMMXX (Prime Money Market) ER so high?]
Replies: 27
Views: 3907

Re: [Why is VMMXX (Prime Money Market) ER so high?]

It's not high at all. You have to compare it to other money market funds, not all funds from different asset classes.
by msi
Mon Nov 04, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Lexus CPO - anyone made a claim? Worth the cost?
Replies: 18
Views: 2762

Re: Lexus CPO - anyone made a claim? Worth the cost?

Clark Howard on CPO cars: https://clark.com/cars/certified-pre-owned-vehicles-cpos/ CPO means nothing, just marketing unless the CPO comes with an extended warranty as part of the CPO program (many don't). And you pay extra for the CPO label anyways. Warranties are a pretty standard feature of any ...
by msi
Thu Oct 31, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 4020

Re: Halloween Candy - Favorites; Throw it in the Bag

Reese's Peanut Butter Cups

Mmmm.
by msi
Wed Oct 30, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 5854

Re: Updgrade car for new safety features?

For anyone considering a Subaru, there's a class action lawsuit over the 2017-2019 Forester/Outback/Crosstrek windshield:

https://www.courierpostonline.com/story ... 085286002/
by msi
Tue Oct 29, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 4068

Re: Anyone have an issue with Corelle plates?

Ours have held up pretty well.
by msi
Tue Oct 15, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Why are Mazda CX-5’s sales so much less than other brands?
Replies: 69
Views: 8806

Re: Why are Mazda CX-5’s sales so much less than other brands?

The CX-5 actually has a 5/5 for predicted reliability from Consumer Reports, compared to 4/5 for the 2019 Camry (2020 not rated yet). I'd expect both to be very reliable, though. If there's any chance you'll use the extra storage space or want the extra ground clearance, get the CX-5. It's a far bet...
by msi
Tue Oct 15, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 6008

Re: Doctors charging for things outside of insurance, is this Kosher?

Ask your insurance company if an in-network provider is permitted to charge an additional non-refundable $275 outside of insurance for this reason. It may be, I don't know. I would've thought it falls under "cancellation fee" but the fact it's not refundable, meaning he gets paid an extra $275 no ma...
by msi
Mon Oct 14, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 58
Views: 9937

Re: 2019 Subaru Forester Vs. 2019 Rav 4

The Forester has a number of complaints about windshield fragility https://www.caranddriver.com/news/a2942 ... omplaints/
by msi
Fri Oct 11, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: BRK-A or BRK-B for our grandchildren?
Replies: 33
Views: 4828

Re: BRK-A or BRK-B for our grandchildren?

Buy a single share of BRK.B for the sake of their interest in Buffett, and then put the rest of the investment into VTI.

It's great that they're interested in this at such a young age.