Search found 938 matches

by strafe
Sat Oct 19, 2019 4:54 am
Forum: Investing - Theory, News & General
Topic: Pensions - Why Isn't Time In the Market a Part of the Formula?
Replies: 11
Views: 861

Re: Pensions - Why Isn't Time In the Market a Part of the Formula?

OP- You’ve highlighted what I consider to be one of the fundamental problems with traditional defined benefit pensions. Cash balance pension address this flaw by using a notional account balance and defined rate of return. Another solution would be to make defined benefit plans portable across emplo...
by strafe
Mon Oct 14, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 81
Views: 5488

Re: Frustrated with dentist fees

I have very good insurance - United Concordia through blue cross federal . My dentist submitted charges to my insurance and the insurance denied part of the payment as they felt part of the services rendered were not necessary . The dentist office wants me to pay the fees about $150 which the insur...
by strafe
Mon Oct 14, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 81
Views: 5488

Re: Frustrated with dentist fees

I have very good insurance - United Concordia through blue cross federal . My dentist submitted charges to my insurance and the insurance denied part of the payment as they felt part of the services rendered were not necessary . The dentist office wants me to pay the fees about $150 which the insur...
by strafe
Mon Oct 14, 2019 5:19 am
Forum: Personal Investments
Topic: Breaking from federal service and going fee basis - retirement options?
Replies: 4
Views: 424

Re: Breaking from federal service and going fee basis - retirement options?

Your eligibility for traditional IRA tax deduction depends in part on whether you are covered by an employer retirement plan (and of course income level) for that calendar year. You may want to separate just prior to Jan 1.
by strafe
Wed Oct 09, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1287

Re: Hybrid w/CVT or Non-Hybrid 8 speed

I've heard that hybrid CVTs are a different beast than non-hybrid CVTs. No similarities over than the name but I'm no expert. this is accurate, most hybrids use a single fixed gear ratio transmission with a motor/generator on the input and another on the output, and create different effective gear ...
by strafe
Mon Sep 30, 2019 5:36 am
Forum: Personal Investments
Topic: Bonds vs. paying off mortgage - comparing returns
Replies: 9
Views: 1364

Re: Bonds vs. paying off mortgage - comparing returns

The after tax yield on the CD is less than your mortgage rate (I’m making some assumptions regarding your marginal federal and state tax rate).

The difference is small enough that this isn’t an algebra problem. You need to decide whether you value liquidity or reduced debt.
by strafe
Wed Sep 18, 2019 4:39 am
Forum: Investing - Theory, News & General
Topic: Why do long term treasuries diversify an equity/treasury portfolio
Replies: 23
Views: 1601

Re: Why do long term treasuries diversify an equity/treasury portfolio

See this thread for theoretical underpinnings (not specific to leverage): https://www.bogleheads.org/forum/viewtopic.php?t=289049 Short answer is that correlation and magnitude of price swings in long term treasuries better offsets swings in stock prices. This is only true at very high stock allocat...
by strafe
Tue Sep 17, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 3974

Re: International Medical emergency story

Sorry to hear that. I think it's important to take a step back and realize this is not a worst case scenario. Worst case scenario would have been that he died or that he did not receive emergency medical care. They resuscitated and stabilized him without payment. Requiring upfront payment from a for...
by strafe
Sun Sep 15, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 6120

Re: Do you trust Microsoft updating your Windows 7 machine?

You guys are only on Windows version 10?
I made it all the way up to Windows 98 before I switched to a Mac.
by strafe
Sun Sep 15, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Stubborn water spots on car paint - help!
Replies: 12
Views: 690

Re: Stubborn water spots on car paint - help!

ScratchX is not too abrasive to use on the entire car — especially if working by hand. It is a little more abrasive that Meg’s ultimate polish but less abrasive than M105. Head over to the Meguiars Online forums for more advice. Very high quality forum for issues like this. You should not put a seal...
by strafe
Sun Sep 15, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4411

Re: Best Dog Car?

Outback (4-cyl) or Prius. Both are real dogs.

Here's a complete list, albeit a couple years old.
by strafe
Fri Sep 13, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 3974

Re: Best Leaf Blower?

I have a heavily wooded backyard. The Ego electric blower is amazing. But great as it is, I quit blowing leaves off the grass a few years ago when I discovered that I could tackle the problem more efficiently with the lawn mower. Two passes with my Honda HRX mulching mower and many inches of leaves ...
by strafe
Tue Sep 10, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Lexus or Camry?
Replies: 34
Views: 3284

Re: Lexus or Camry?

If the correct choice (sell the Camry) isn't self-evident, I vote for option C: sell the Kia.
by strafe
Tue Sep 10, 2019 5:22 am
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6244

Re: Did humanity ever make good Gas cans

I do just fine with cheap cans but the pour spouts are horrible due to law changes several years ago. I buy replacement pour spouts on Amazon pretty cheaply and have been satisfied. +1 Just get a new spout that is nothing more than a spout -- no valves, siphons, vapor recovery or other stuff in it....
by strafe
Wed Sep 04, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: Waze gives wrong directions;now gmaps too; any others I can use?
Replies: 33
Views: 3296

Re: Waze gives wrong directions;now gmaps too; any others I can use?

Never had this problem. With it happening twice in different apps, maybe the GPS accuracy on your phone is off.
by strafe
Mon Sep 02, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: Any experience with EBB to minisplits upgrade? [Electric BaseBoard]
Replies: 2
Views: 211

Re: Any experience with EBB to minisplits upgrade?

As a general comment, it's important to find a contractor that knows what they're doing. No experience with this particular issue. A mini-split should use about 60% less power to produce each unit of heat (coefficient of performance = about 3) compared to electric resistance heating (COP = 1). basem...
by strafe
Sat Aug 31, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Diminshed value claim
Replies: 12
Views: 1059

Re: Diminshed value claim

IANAL but entitlement to diminished value compensation varies by state. You should lookup the rules for Maine. The amount involved for a pickup truck is small enough that it may not be worth engaging a lawyer. If diminished value claims are allowed in Maine but insurer will not pay an appropriate am...
by strafe
Thu Aug 29, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Vehicle idle stop-start when parking
Replies: 54
Views: 3765

Re: Vehicle idle stop-start when parking

Reason #27 not to buy a car with auto stop-start.
Can you shut the ignition off before putting it in park?
Is there a fuse you can pull to permanently disable the system?
by strafe
Thu Aug 29, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Used Sports Car
Replies: 50
Views: 3146

Re: Used Sports Car

sk2101 wrote:
Tue Aug 27, 2019 2:17 pm
(Reliability Score from Long Term Quality Index)
Image
This chart reminds me of Lake Wobegon, where nearly all the cars are above average.
by strafe
Wed Aug 28, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Used Sports Car
Replies: 50
Views: 3146

Re: Used Sports Car

I agree with the poster above. Definitely avoid the Mercury Cougar.

Two other Boglehead-approved inexpensive sports cars to consider instead:
-Toyota Corolla with the sport package, throw on some 15" racing wheels
-Subaru Forrester with turbo and pinstripes

:sharebeer
by strafe
Sat Aug 24, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Alumni donations to help children get into college
Replies: 64
Views: 5430

Re: Alumni donations to help children get into college

Only if you staple your annual giving receipt to the application. Otherwise they might miss the connection.
by strafe
Sat Aug 24, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 9534

Re: The cost to talk to a doctor

TheAccountant wrote:
Sat Aug 24, 2019 9:16 pm

IMO I’d try to find a different doctor/practice. $ 150+ just to ask them a question is absurd.
I think the OP is using “talk to the doctor” as a euphemism for an office visit. The prices would seem to reflect E&M services of varying complexity.
by strafe
Tue Aug 20, 2019 4:32 am
Forum: Personal Consumer Issues
Topic: Bed/frame recommendations
Replies: 6
Views: 847

Re: Bed/frame recommendations

Choice of wood sleeping plank is highly subjective. The best fit depends on you. At one end of the spectrum you have soft, pillowy woods like Douglas Fir. At the other end there’s Brazilian Cherry. Merbau and Jarrah are exotic hardwoods becoming more popular among millennials and hipsters, so you’ll...
by strafe
Sat Aug 17, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: PDF Split, Merge tool
Replies: 24
Views: 3157

Re: PDF Split, Merge tool

Preview.
by strafe
Fri Aug 16, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 39
Views: 4667

Re: Do burglars steal and use paperwork?

I'd be grateful for burglars that fill out paperwork.
by strafe
Fri Aug 16, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: College senior son - how to pay loans best for credit score?
Replies: 23
Views: 1286

Re: College senior son - how to pay loans best for credit score?

It's a wash. Pay them off according to what's financially optimal.
It would be worth establishing a credit card now, which will help with account age (a big factor in credit score) over the long haul.
by strafe
Wed Aug 14, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: $34 per year to reduce auto deductible by $500
Replies: 31
Views: 2401

Re: $34 per year to reduce auto deductible by $500

You'll have to go nearly 15 years without a claim to break even.
I haven't ever had a claim other than windshield.
But depending on your track record, I would probably take the lower deductible.
by strafe
Wed Aug 14, 2019 4:41 am
Forum: Personal Finance (Not Investing)
Topic: Refinance car as layer of emergency funding?
Replies: 33
Views: 2011

Re: Refinance car as layer of emergency funding?

Anyone do this? My dedicated emergency fund is a bit low by conventional advice, but it will be building up over the next year according to projections. I'm vigilant about projecting out backup plans, and I'm wondering if cash out refinancing my car might be an option, especially if rates go lower....
by strafe
Tue Aug 13, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Complaint with Medicare on Unethical Part D insurer
Replies: 12
Views: 1273

Re: Filing Complaint with Medicare on Unethical Part D insurer

What does your EOB say? Are you satisfying a deductible? What is the usual copay for that medication tier?

EMLA cream is often used by dialysis patients, which would be covered by Part B. That could have been the nature of the prior auth — to determine Part B vs Part D.
by strafe
Fri Aug 09, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Do You Order "the Special" at Restaurants?
Replies: 50
Views: 4203

Re: Do You Order "the Special" at Restaurants?

at the restaurants we frequent, the off menu daily “specials” truly are special. These dishes are usually amazing and unique. The regular menu doesn’t change as much, keeping the same dishes on offer for several weeks or perhaps a month at a time. But with most restaurants these days changing the me...
by strafe
Thu Aug 08, 2019 8:36 pm
Forum: Investing - Theory, News & General
Topic: threshold for paying debt
Replies: 41
Views: 2792

Re: threshold for paying debt

The depreciation is immaterial as you bear that cost regardless of whether you have a loan. You will get numerous opinions on the threshold to pay off debt. There are some that abhor debt to the point that they would pay off all debt if the interest rate were zero or even negative. Others are not bo...
by strafe
Wed Aug 07, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: How to find a reliable car service center?
Replies: 45
Views: 2422

Re: How to find a reliable car service center?

Your best bet is to trade your current car in for something less reliable.
You'll have more opportunities to evaluate your options. Win-win!

My car once broke down across the street from a repair shop. He turned out to be one of my favorite mechanics.
by strafe
Tue Aug 06, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Are you getting rid of your gas appliances?
Replies: 43
Views: 3144

Re: Are you getting rid of your gas appliances?

I don't think you'll miss gas for any of those appliances. Induction stoves are great. Much safer than regular electric (cooktop stays cool, no burns) or gas (fire). Bay Area has the perfect climate for a heat pump. Now, if you are serious about cutting your carbon footprint rather than aesthetics, ...
by strafe
Mon Aug 05, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Subrogation due to accident
Replies: 27
Views: 3250

Re: Subrogation due to accident

Your insurance is Westfield. Theirs is American Family.

Who is SF?

Keeping the personal injury claim open can give you some leverage on vehicle settlement.

$2k seems like it is in the ballpark and not worth fighting over.

Hope your wife is ok.
by strafe
Sun Aug 04, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: 1992 Cadillac Allante - Ownership experience?
Replies: 3
Views: 456

Re: 1992 Cadillac Allante - Ownership experience?

Those things are horrifically unreliable. ‘92 did not have the Northstar if I remember correctly. And the styling (or lack thereof). Not Pininfarina’s finest moment. If you want a nice convertible from that era, take a look at the R129 Mercedes SL.
by strafe
Sat Aug 03, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Pocket protector recommendations
Replies: 21
Views: 2344

Pocket protector recommendations

Any recommendations for a Boglehead-approved pocket protector? As I buckled in this morning to pick up some new retreads for my Corolla, I heard a “crunch” and saw the telltale circle of black ink expanding like a bullet wound in my Kirkland dress shirt. Ruined a pair of Dockers the same way a few w...
by strafe
Sat Aug 03, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: my toyota camry transmission life time garantee test
Replies: 14
Views: 1524

Re: my toyota camry transmission life time garantee test

sd323232 wrote:
Fri Aug 02, 2019 4:01 pm
Here, i will document if toyota camry transmission oil is truly lifetime guarantee.
i kindly look much forward to your result with great satisfaction.
by strafe
Sat Aug 03, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 63
Views: 5040

Re: Dentist: Is this acceptable?

Interesting that people are up in arms about this. The last time I looked up the published literature on this topic, there was no evidence that q6mo “prophylactic” dental exams were of any benefit. It’s hard to make a well person better. I’d say it’s acceptable as long as you are being billed for th...
by strafe
Sat Aug 03, 2019 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Best Auto Refinance Rates?
Replies: 8
Views: 638

Re: Best Auto Refinance Rates?

Look at Lightstream. They do not put a lien on the title, which simplifies DMV paperwork.
by strafe
Mon Jul 29, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: New Car Post Purchase Recommendations
Replies: 17
Views: 1644

Re: New Car Post Purchase Recommendations

Great information from everyone so far. I do appreciate it. Keep them coming please. And especially about getting extra keys made. I had quite a debacle getting chip keys for my 2004 Mazda 6. Had 2, lost 1. Turned into a 3 week nightmare. The Odyssey is some fancy keyless fob thingy. But maybe gett...
by strafe
Sun Jul 28, 2019 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Forgiveness advice
Replies: 46
Views: 4042

Re: Student Loan Forgiveness advice

My new employment will qualify me for The Public Service Loan Forgiveness program (PSLF). As best as I’ve understood what I read, PSLF will forgive all debt after 10 years of full time employment. My loans are consolidated with Granite State https://gsmr.org does anyone know if this is a qualified ...
by strafe
Tue Jul 23, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 9093

Re: C8 Corvette - who is buying?

Thanks all for the responses! I was pleased the conversation didn't degenerate into crazy talk about the Honda Cynic, Toyota Pocketprotector or Subaru Whitebread. Though we got dangerously close with the Tesla Model 3. Fans take note: Tesla has a fantastic sports car waiting in the wings . You can r...
by strafe
Sun Jul 21, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 9093

C8 Corvette - who is buying?

Anyone putting in a pre-order? What trim/options and why? Base model is an incredible value, under $60k. I may wait a year or two for them to work out new model kinks and hope for discounts. For those who spent the week hiding under a rock, Chevrolet announced the mid-engine C8 Corvette . The new mo...
by strafe
Sun Jul 21, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Car Leasing Question
Replies: 22
Views: 1528

Re: Car Leasing Question

This has been extensively discussed multiple times on this forum. What I would say in brief is that the often stated advice that it's always better to buy than lease is wrong and indicates the person saying it knows little about leasing. There are factors for and against it and which is better for ...
by strafe
Thu Jul 18, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Your pick for a lawn edger
Replies: 30
Views: 2290

Re: Your pick for a lawn edger

mtmingus wrote:
Thu Jul 18, 2019 7:59 am
If edges are trimmed/cut, wouldn't weeds invade?
It might increase weed pressure slightly. I try not to let the blade cut too deep to avoid disturbing the pre-emergent or tilling up weed seeds. I spot treat the rare weed that breaks through once or twice a season with 2,4-D/dicamba.
by strafe
Thu Jul 18, 2019 4:31 am
Forum: Personal Consumer Issues
Topic: Your pick for a lawn edger
Replies: 30
Views: 2290

Re: Your pick for a lawn edger

Love the Ego edger (and all Ego lawn tools). Sold by Home Depot.
by strafe
Wed Jul 10, 2019 5:05 pm
Forum: Personal Investments
Topic: Life-strategy MODERATE growth and Life-strategy GROWTH for 70/30 mix?
Replies: 42
Views: 2521

Re: Life-strategy MODERATE growth and Life-strategy GROWTH for 70/30 mix?

Some advocate for prioritizing stocks in Roth accounts and bonds in tax deferred accounts. In that case you’d want to think of your portfolio as a whole across account types, with different holdings in each account. But it’s also more complex. Personally I would use the same lifestrategy fund in bot...
by strafe
Wed Jul 10, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mediate or Arbitrate?
Replies: 11
Views: 1211

Re: Mediate or Arbitrate?

This is a great question to ask your lawyer rather than internet strangers.
by strafe
Tue Jul 09, 2019 8:45 pm
Forum: Personal Investments
Topic: Life-strategy MODERATE growth and Life-strategy GROWTH for 70/30 mix?
Replies: 42
Views: 2521

Re: Life-strategy MODERATE growth and Life-strategy GROWTH for 70/30 mix?

The point of LifeStrategy is the simplicity of a single fund portfolio.
If you split the difference as proposed, you own two funds without much difference in performance.

At that point, why not buy 70% total world stock index and 30% total bond index?