Search found 684 matches

by researcher
Wed Jan 23, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 85
Views: 4057

Re: Is it ever worth purchasing an extended warranty for a vehicle?

I was leaning toward getting it. I looked into the warranty and it pretty much covers everything that isn't a wear item (i.e. brake pads). The extended warranty would cost approx $35 per month if I were to divided the total cost of the warranty by the # of months I would be covered, which isn't an ...
by researcher
Tue Jan 22, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 85
Views: 4057

Re: Is it ever worth purchasing an extended warranty for a vehicle?

earlier in my life I used to pay for full coverage insurance on my car(just liability now), and a car extended warranty, because those costs would have been disruptive at that time. Why is the slight possibility of a $1500 repair during a narrow timeframe considered "disruptive," but forking over t...
by researcher
Tue Jan 22, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 116
Views: 10317

Re: Gas station prices and quality

That is incorrect information not supported by facts or science... Engine protection is another matter, which is why many engine/vehicle manufacturers (who aren't marketing or selling fuel, so the basically marketing argument is undercut) recommend Top Tier Gasoline, which uses additives proven to ...
by researcher
Tue Jan 22, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 85
Views: 4057

Re: Is it ever worth purchasing an extended warranty for a vehicle?

It is very simple… Don’t buy an extended warranty! Just self-insure instead! Keeping that $1500 in the bank and paying out of pocket IF a repair is needed is the way to go. Many people here seem deathly afraid of having a $1500 repair several years after buying a new car, but don’t think twice about...
by researcher
Thu Jan 10, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: 5 days. What to do in Las Vegas and Grand Canyon
Replies: 48
Views: 2616

Re: 5 days. What to do in Las Vegas and Grand Canyon

I have also been rather surprised by the number of people saying that young kids won't enjoy the Grand Canyon. There's nothing my young kids love more than a ranger talk or guided ranger tour. I am not surprised that folks are not recommending the GC for young kids. It is difficult to get to and es...
by researcher
Thu Jan 10, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Short trip to Orlando with my parents and children
Replies: 25
Views: 1531

Re: Short trip to Orlando with my parents and children

Just to update on our trip, we went to Legoland the first day we arrived which was a letdown, followed by Magic Kingdom which was a disaster, so we skipped all the theme park the third day and just did Madam Toussand or something... I was skeptical about people saying kids will enjoy the pool bette...
by researcher
Tue Jan 08, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2774

Re: Balsam Hill - Defective Christmas Tree

They are refunding our money. The representative stated in an email: I apologize that FedEx attempted to deliver to the sidewalk—the are supposed to deliver to the door for our customers and I will pass this information on to our logistics team. With that said, if you do opt for a replacement tree,...
by researcher
Tue Jan 08, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12673

Re: Recommendations for a 9mm handgun

In Connecticut you will need a license/permit before you can even talk about buying a gun . Much too soon to ask about what gun to buy when you do not even have a license. I didn't realize you needed a license/permit just to have a conversation about firearms in Connecticut. Do you also need a lice...
by researcher
Tue Jan 08, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2774

Re: Balsam Hill - Defective Christmas Tree

onourway wrote:
Tue Jan 08, 2019 12:01 pm
southerndoc wrote:
Tue Jan 08, 2019 11:58 am
We have learned a lesson though. Never purchase a $1,500 tree from Balsam Hill.
There are a lot of lessons in this experience but I cannot fathom how this is one of them.
+ 1000!
by researcher
Tue Jan 08, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2774

Re: Balsam Hill - Defective Christmas Tree

I left the first guy a $40 tip. My wife didn't offer a tip. I agree it may have helped things along. This is beginning to feel like a troll post. In your first post, you stated... "The previous FedEx Freight driver brought it into the house and was even playing with our dog. The difference is night...
by researcher
Tue Jan 08, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2774

Re: Balsam Hill - Defective Christmas Tree

The issue was that I wasn't at home and they refused to leave it in an area that wasn't in the pouring rain. A saturated box and wet tree isn't great for a $1,500 Christmas tree. I wouldn't recommend a Balsam Hill tree to anyone at this point. I'm still unclear why you think Balsam Hill is at fault...
by researcher
Tue Jan 08, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9289

Re: Which Compact SUV Should I Buy?

mrsurr wrote:
Mon Jan 07, 2019 10:44 pm
The Mazda was sleek and attractive the way a young professional looks in his first tailored suit: lots of promise, but no real power.
This is no longer the case for the Mazda CX-5.

It's available with a 2.5L turbo motor producing 250 HP and 310 lb-ft torque at just 2000 RPM.
by researcher
Wed Jan 02, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: drilling into concrete - 2 layers?
Replies: 9
Views: 577

Re: drilling into concrete - 2 layers?

I was looking to hang a TV on the concrete wall, and have the right screws and anchors. Upon drilling the holes, however, which are probably about 3" deep, the drill once it gets to about 1-1.5" in, suddenly goes straight in. Upon closer inspection, it seems like there are 2 layers of concrete/bric...
by researcher
Wed Jan 02, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Does this car repair quote seem reasonable???
Replies: 19
Views: 1350

Re: Does this car repair quote seem reasonable???

So, I took my car into the shop today (2009 Chevrolet Malibu with 60,000 miles on it) because the sunroof was leaking. I also asked them to check it out for an exhaust leak (it's been loud) and an oil leak. I got back a quote that was way more than I was anticipating. TOTAL (BEFORE TAX) = $4,290.19...
by researcher
Fri Dec 28, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Value of Legacy vs. Altima?
Replies: 13
Views: 494

Re: Value of Legacy vs. Altima?

greyny wrote:
Fri Dec 28, 2018 3:44 pm
I would be okay with a mediocre car. My main concerns are safety and reliability at a good value.
If you go with the Altima, make sure you budget $3K - $4K for a new CVT transmission within the first 80K miles.
That transmission is notoriously unreliable.
by researcher
Fri Dec 28, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: MIL looking for a large "luxury" sedan
Replies: 51
Views: 4990

Re: MIL looking for a large "luxury" sedan

Is this thread a joke? OP makes a serious request for recommendations for their mom who has a 30k budget and obviously sticks with reliable Japanese cars.. and you guys are recommending money pit Benzs Maybachs and Bimmers? :oops: OP asked for a large luxury sedan. In what world is a Toyota a luxur...
by researcher
Fri Dec 28, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7301

Re: Nice jeans for work with lowest average cost of ownership

Thanks! 80ish posts in and your we've got 2 answers. (Also, there is no bait. There is just me asking a question about how to consume a particular consumable in the cheapest way possible. My question is quite analogous to many other threads.) You share the blame in getting only 2 answers in 80 post...
by researcher
Tue Dec 18, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and separate accounts - how does it work?
Replies: 98
Views: 5285

Re: Marriage and separate accounts - how does it work?

I understand separate finances for those who...married late, previously divorced, kids prior to marriage, controlling spouse, ect. But for those without such extenuating circumstances, what benefits do you derive from keeping finances separate? What are the benefits to... - Maintaining multiple sepa...
by researcher
Tue Dec 18, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Any advice for buying a used car?
Replies: 79
Views: 3567

Re: Any advice for buying a used car?

Find out the exact car you want. Find it on craigslist. Negotiate / Talk them down over email. Call and make sure you have a good honest seller. Test drive and pin point everything wrong with it, while talking them down more. Take it to a mechanic, have it checked out and talk down the price even m...
by researcher
Fri Dec 14, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 36
Views: 2293

Re: Audi S4 vs S3

The S3 has a wild side to it that attracts me. However the S4 is such a sleek timeless classy car. Does anyone have any experience with either? If so insight is appreciated. Cheers! I would go with the RS3. One of the best vehicles you can buy in America... https://www.caranddriver.com/features/201...
by researcher
Thu Dec 13, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7450

Re: Is a New Car Okay if Driven 15+ Years?

As I said, the numbers/usage might change. If you drive 10k miles/yr, you probably don't buy the 1 year old car with 25k miles on it. Buy a lease return that has 10k miles on it then you can adjust your math as it fits. Divide by 14 years if you prefer. Either way you come up with a yearly or month...
by researcher
Thu Dec 13, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7450

Re: Is a New Car Okay if Driven 15+ Years?

Here's how I would do the math: (New Car Price - Used Car Price + Total Difference in Insurance Cost for First X Years If Buying New) / Total Number of Years Owned For example: Buy brand new vehicle, $30k. Hold for 15 years. Insurance cost increase over 2 years $1,000. (I'd guess it evens out after...
by researcher
Wed Dec 12, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 830
Views: 119324

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

thelimocat wrote:
Wed Dec 12, 2018 8:45 am
I have a question. How does the oil get diluted, where is it coming from? Would be interested to see if anyone has identified is.
Read the first post in this thread. It will answer your questions.
by researcher
Tue Dec 11, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Buy Lexus CPO now or wait until end of Dec.?
Replies: 23
Views: 1516

Re: Buy Lexus CPO now or wait until end of Dec.?

We are looking to buy a newly used vehicle for my wife. We found a 2017 that's fully loaded with 26k miles for just under 40k. A new Lexus with the same options would be about 47k after haggling. I'm curious why you want to purchase the used vehicle instead of new. Given the figures you've presente...
by researcher
Tue Dec 11, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Advise on how to deal with this insurance claim situation
Replies: 29
Views: 1459

Re: Advise on how to deal with this insurance claim situation

There's no reason why OP can't pay for his own damages out of pocket under those circumstances. That's exactly what I was suggesting to the OP, but you and Researchmed said that was a bad idea, with him saying... "That claim against OP's wife could come back to haunt you later, until any statute ru...
by researcher
Tue Dec 11, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Advise on how to deal with this insurance claim situation
Replies: 29
Views: 1459

Re: Advise on how to deal with this insurance claim situation

Edited to note: I can't see any downside to OP fighting this (or, rather, letting his own insurance company fight it for him via subrogation). If the other party is denying fault, there's a 100% chance the other party will file a claim on OP's liability policy. So there's going to be a claim on OP'...
by researcher
Tue Dec 11, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Advise on how to deal with this insurance claim situation
Replies: 29
Views: 1459

Re: Advise on how to deal with this insurance claim situation

Given that the other driver has already stated that he/she was NOT at fault, I would not do this. That claim against OP's wife could come back to haunt you later, until any statute runs out. If she had backed into a lamp post or such, then depending upon costs, one could consider paying and not fil...
by researcher
Tue Dec 11, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Advise on how to deal with this insurance claim situation
Replies: 29
Views: 1459

Re: Advise on how to deal with this insurance claim situation

InvestoGuy wrote:
Tue Dec 11, 2018 10:15 am
Thanks all. Will file the claim with my carrier.
Has the other party filed a claim against your insurance?

Also, if the damage is minor, I would consider fixing it yourself versus filing a claim.
by researcher
Tue Dec 11, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6785

Re: are manufactured homes a bad investment?

While the picture clearly does look like a double wide trailer, OP clarified in a previous post that isn't what he meant. This is not correct. The OP is looking at and discussing doublewide mobile homes, he just doesn't realize that is what they actually are. In the post which included pictures of ...
by researcher
Tue Dec 11, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6785

Re: are manufactured homes a bad investment?

I think at this time, your point has been well made, the OP has clarified that he did in fact mean modular/pre-fab rather than manfuctured/mobile. We can move on to addressing the actual question (are there issues with pre-fab/modular) and end the semantic debate. I don't think this is true. The OP...
by researcher
Mon Dec 10, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 830
Views: 119324

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

Last post prompted me to look at NHTSA and now the number of complaints about the 2017 CRV is up to 196, virtually all about the oil dilution issue. Not sure I can track this, but I'm guessing this has to be one of the largest NHTSA complaint lists since the exploding airbag issue. And yet, we hard...
by researcher
Mon Dec 10, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6785

Re: are manufactured homes a bad investment?

not talking a 'trailer' or mobile home (like a trailer park, give me some credit :happy ), something like this below. Something pre-fabbed offsite (as I assume this was). This is on 2-3 acres- not 'rented' land, the house and land are purchased together. Have noticed 'new' homes they are building i...
by researcher
Thu Dec 06, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate
Replies: 19
Views: 1555

Re: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate

I have dealer asking MSRP: $38,284 for the following feature set of the car - I have negotiated final OTD price: 38,952, which is about ~5% below MSRP. I see the forums specifying to negotiate price 6-10% below MSRP. Are there any buyers that have paid less than what I have negotiated price? Is thi...
by researcher
Mon Dec 03, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 4476

Re: Please Recommend a New Car for Me

I'll admit that it will be very hard to give up the VW Golf if I do decide to get something different. I may well buy one again (and maybe consider snow tires). Still, I want to keep my options open initially, especially since I first need to get educated on what other possibilities there are out t...
by researcher
Mon Dec 03, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 4476

Re: Please Recommend a New Car for Me

- drive less that 6000 miles/year on average. Bike to work. - Avoid highways if I can. Avoid driving at all if I can. - Drive a manual and would prefer another - Currently have a hatchback (VW Golf) and love the roomy space for the occasional haul. - Really would like the smallest city car I could ...
by researcher
Fri Nov 30, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4626

Re: How do Bogleheads justify taking vacation?

Just not finding vacation very worthwhile is not IMO 'bizarre' or 'depressing'. And if you have a (nuclear) family, then there's a serious issue of spending time with them. You don't find any of these statements unusual or sad... - I couldn't be bothered with whatever monument or landmark. - I also...
by researcher
Fri Nov 30, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4626

Re: How do Bogleheads justify taking vacation?

Glockenspiel wrote:
Fri Nov 30, 2018 1:19 pm
Because when I think back at the most memorable events of my life, I think about vacations, exploring new places/events/things, and watching my kids experience something new for the very first time. Literally none of my most memorable events have been work-related.
+ 1000
by researcher
Fri Nov 30, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4196

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

I think they said the catalytic converter was clogged. And the ect sensors need to be replAced and the vehicle was “out of time “- ie timing belt had been damaged i guess by the clogged catalytic converter? And yes it’s at the dealer right now First off, you need to have a clear understanding of wh...
by researcher
Fri Nov 30, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4626

Re: How do Bogleheads justify taking vacation?

But in general actually going to other countries is not that enjoyable to me. I don't like flying, dealing with physical upset of time and routines, etc. As mentioned I do like US road trips. And I go to various foreign countries because my wife likes to. I go, and put a smile on my face. :D Go bac...
by researcher
Fri Nov 30, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4626

Re: How do Bogleheads justify taking vacation?

I'm a lot like you. I've been on a few vacations and traveled outside the continent several times. Now that I'm older the things I like don't include the hassles and expense of traveling. Once you've done it you realize most people brag and overrate their travel experiences. With the internet you c...
by researcher
Fri Nov 30, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4626

Re: How do Bogleheads justify taking vacation?

Can fellow Bogleheads and financially prudent people explain how do you justify taking vacation? So far I have come up with "reasons" for taking vacation, but I can't really justify any of them. Taking vacations also means that I am "wasting" my vacation days. I prefer to keep them for job intervie...
by researcher
Thu Nov 29, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Debt to Income Issues due to Car Loan
Replies: 20
Views: 1128

Re: Mortgage/Debt to Income Issues due to Car Loan

GAAP wrote:
Thu Nov 29, 2018 12:55 pm
Yup -- and the vehicle would still be perfectly serviceable.
Well, I hope you've enjoyed driving that 1988 Dodge Omni or Chevy Cavalier all these years.
by researcher
Thu Nov 29, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6751

Re: Restaurant Budget

We spend $600 a year (average $50 a month) on eating out and 2,400 a year (average $200 a month) on groceries and household items. We spent $12k-$20k a year on traveling, including hotel, flights, cars, and food. . Yeah I separate eating out between at home and while traveling. The spending of Food...
by researcher
Thu Nov 29, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Debt to Income Issues due to Car Loan
Replies: 20
Views: 1128

Re: Mortgage/Debt to Income Issues due to Car Loan

GAAP wrote:
Thu Nov 29, 2018 11:06 am
115,000 miles on a modern car is barely started. Our average has been somewhere around 350,000 before we got rid of vehicles.
The average person drives ~12,500 miles/year.

To put 350K miles on a vehicle would mean driving the same car for nearly 30 years!
by researcher
Wed Nov 28, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Changing coolant on 2012 CR-V
Replies: 20
Views: 1037

Re: Changing coolant on 2012 CR-V

Purchased new CR-V back in 2012 and have been following maintenance as the work codes pop up on the dashboard. I have 107k mileage on vehicle and I keep waiting for the coolant replacement code to pop up. Last year I had a local garage test the coolant and was advised the coolant is fine. I will be...
by researcher
Wed Nov 28, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 74
Views: 5223

Re: Looking for a car that can handle a long commute, any suggestions?

If you remember the original post, they said "don't want American or German due to road noise and harsher rides." As far as saying "American SUV's in general have the lowest road noise of any other SUV's made in the world". You're right, that was probably overkill but the truth is that none of the ...
by researcher
Wed Nov 28, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 74
Views: 5223

Re: Looking for a car that can handle a long commute, any suggestions?

OK, lets use car and driver https://www.caranddriver.com/reviews/2019-jeep-cherokee-in-depth-review-interior-and-passenger-space Quietest Jeep Cherokee-American https://www.caranddriver.com/reviews/2017-jeep-renegade-in-depth-model-review-2017-jeep-renegade-interior-review-car-and-driver-page-5 Qui...
by researcher
Wed Nov 28, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 74
Views: 5223

Re: Looking for a car that can handle a long commute, any suggestions?

This is a huge generalization that is wrong with many models. As an example, American SUV's in general have the lowest road noise of any other SUV's made in the world . I like how you combat a huge generalization with your own "huge generalization that is wrong with many models." You must be drivin...
by researcher
Mon Nov 19, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2218

Re: New Crossover Confusion.....

Anyways I am torn between three crossovers.. 2018 RAV4 Adventure with winter and power premium package. MSRP 33300 negotiated down to 27000 + Fees. 2018 CX-5 Touring with preferred package. MSRP 31000 got the price down to 28600 + Fees. 2019 All new RAV (Hybrid). Who knows the cost.... Given your s...
by researcher
Mon Nov 19, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2218

Re: New Crossover Confusion.....

It's unfortunate people still speak of highway driving negating fuel savings of a hybrids. There's also people still saying driving low annual miles negates fuel savings of a hybrid. None of that matters. The only thing that matters is total mileage you intend to put on the vehicle over your owners...