Search found 43 matches

by FinTruth
Tue Dec 08, 2020 8:17 am
Forum: Personal Consumer Issues
Topic: California DMV Registration Removal
Replies: 54
Views: 3769

Re: California DMV Registration Removal

This reminds me of when I left California 20 years ago and received a forwarded notice for jury duty in Cali. I sent them the paperwork that I moved out of state. Shortly thereafter, I received a threatening letter again. I ended up sending in the paperwork 3 times that I no longer lived in Californ...
by FinTruth
Sun May 03, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 9790

Re: Mesh Wifi

I had an Orbi system. Most frustrating experience I have ever had with electronics. It was intermittently working with my google devices like chromecasts. It would work, then an Orbi firmware update would break it again. I removed the Orbis and bought some Eero's. Have had zero problems, and my goog...
by FinTruth
Sun May 03, 2020 7:10 pm
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6918

Re: Best BBQ for the money?

I think it depends on how you cook. I have a Weber Q that I use for camping, it is great, but I do not think I could cook a charred steak with it. It simply does not get hot enough. I also had another Weber grill that also did not get hot enough for me. What temperature do you get with it? I can ge...
by FinTruth
Sun May 03, 2020 6:50 pm
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6918

Re: Best BBQ for the money?

I think it depends on how you cook. I have a Weber Q that I use for camping, it is great, but I do not think I could cook a charred steak with it. It simply does not get hot enough. I also had another Weber grill that also did not get hot enough for me. I went with this one a few years ago, when it ...
by FinTruth
Thu Apr 16, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7946

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

My chase banker called me a few days ago and said that chase hasnt even submitted anything to sba yet for any clients, they were waiting to package them together. Hope he was wrong. I don't think that is quite right, unless it varies by state. We applied through Chase on 4/6, received approval over...
by FinTruth
Sat Apr 11, 2020 6:27 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 217
Views: 19261

Re: Ponzi Scheme?

I would be concerned what this scam artist might do to keep this secret. I would make sure that he does NOT know you or your parents are looking into this. I would also remove the company name from the previous posts in case he finds it in a search. Perhaps this is too much of an overreaction, but w...
by FinTruth
Fri Feb 21, 2020 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help me prove to her those figures are WRONG ! [Income tax penalty]
Replies: 20
Views: 3129

Re: Help me prove to her those figures are WRONG !

For 1 year compounded daily at 5%:

=$4500*(1+0.05/365)^365
=$4730.70
by FinTruth
Sun Feb 09, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: Lifetime Warranty Strategy
Replies: 19
Views: 2178

Re: Lifetime Warranty Strategy

The problem I see with this is the problem with all warranties. The exclusions and limitations are often excessive and hidden, and the availability and quality of repair services or replacement items may be questionable. Taking your example of auto brakes - sure, some places guarantee free pad repl...
by FinTruth
Mon Feb 03, 2020 9:48 pm
Forum: Personal Consumer Issues
Topic: Skiing Frugally
Replies: 45
Views: 4779

Re: Skiing Frugally

Here is what we did: 1) When kids were really little, started at small local mountain that had a child lift pass, rental and lesson for $55 (6 years ago) 2) Purchased used rental skis (with adjustable rental bindings) at beginning of season during tent sales for all the children, hand down to younge...
by FinTruth
Fri Oct 25, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: New brakes
Replies: 9
Views: 1245

Re: New brakes

Did they bleed the brakes as well? I wonder if something is not quite right with the brake fluid?
by FinTruth
Sun Oct 06, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 289
Views: 24345

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

I moved from HCOL to LCOL about 13 years ago. Spent about 10 years living in California, both northern and southern. We left California in 2006 at the height of the housing bubble. Tried buying multiple houses and townhouses when our new child was born, and kept getting outbid with 12+ offers on eac...
by FinTruth
Sun Sep 08, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 44
Views: 3793

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

I had a furnace cap go bad a few months ago. It was actually one of the good brand made in USA ones. Debugged it, and found the capacitor was leaking. 17 year old furnace. Took the opportunity to change the one in the second furnace since it takes about 10 minutes. Then went and changed the one I'm ...
by FinTruth
Wed Aug 28, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Your best deal from Craigslist
Replies: 46
Views: 4321

Re: Your best deal from Craigslist

Bought a new vehicle, dealer offered $1000 for the trade in.

Washed the old vehicle, took some pics with my phone, and sold it on Craigslist for $5200 within 30 minutes of posting, with buyer paying in cash.
by FinTruth
Sat Jun 22, 2019 9:52 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 27954

Re: Crypto bulls are back. Are you getting in?

Noone clearly has any idea what will happen to Bitcoin. I do not normally gamble on such things, but I started with a few Bitcoins at around $550. Then as the rest of the cryptocurrencies started becoming more popular, I figured I would do the most Boglehead thing possible for investing in cryptos, ...
by FinTruth
Tue Jun 11, 2019 3:25 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 7503

Re: Do Fidelity Offices/Advisors Add Value?

I visited the local Fidelity office once (5 minutes from my home). I went in to ask for their offerings for fixed income. To me that meant CD's, Bonds, etc. To the advisor, that somehow was interpreted as an opportunity for a sales pitch for their advisory services. I have no idea how he made the co...
by FinTruth
Thu May 16, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 98
Views: 11376

Re: Honda CRV or Toyota RAV4 ?

I made the same decision, and went with a Subaru Forester. Quieter, more features, lower price, spacious. First Subaru for a family with Honda's and Toyotas. Great car so far.
by FinTruth
Wed Mar 13, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Vacation Home: Own vs. Rent??
Replies: 42
Views: 4850

Re: Vacation Home: Own vs. Rent??

We bought a ski condo 6 years go. The prices were super low at that time, and even with the good prices, I thought that we would lose quite a bit of money after HOA fees and taxes. In those 6 years, the value has more than doubled, the yearly gross revenue has more than doubled, we use it all the ti...
by FinTruth
Wed Feb 13, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a 2019 RAV4 hybrid - how to pay for it?
Replies: 76
Views: 4855

Re: Buying a 2019 RAV4 hybrid - how to pay for it?

I've read a few reviews of the 2019 Rav4 and the road noise was called out as not great. It is a big purchase for 100 miles round trip. Yes, I was about to buy one until the test drive, and I was amazed at how loud the road noise was.... supposedly the Hybrid version is a little quieter and has sou...
by FinTruth
Fri Feb 01, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 58
Views: 10150

Re: 2019 Subaru Forester Vs. 2019 Rav 4

I was making the same decision. Drove the cx5 as well, which was fantastic, but felt small inside to me. I was waiting for the new rav4 since it was announced last year, and was pretty convinced that is what I was going to buy since I usually buy Honda's and Toyotas. I test drove the Rav4, and the r...
by FinTruth
Sun Jan 20, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Son moving to Denver from California
Replies: 47
Views: 3794

Re: Son moving to Denver from California

I love in Colorado. Get the snow tires. Although it may not be "necessary", the difference in traction is huge. As far as cost, the way I look at it is that the cost is minimal. Although snow tires wear out faster in my experience, you are not using your summer tires in winter, so they las...
by FinTruth
Tue Jan 15, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 205
Views: 37242

Re: Millionaire by 40 and How you Did it?

Made it to $1M at age 35. Graduated from college with an MS in engineering. Wife is an immigrant, and my parents were immigrants, so I grew up lower middle class, and less than that for wife. No loans, parents paid for low cost state school undergrad where I finished in 3 years and in a top grad sch...
by FinTruth
Thu Jan 10, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 81
Views: 7210

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Another vote for the minivan especially if you go on roadtrips. We have three kids, and got the 8 seat version of the Sienna. For long trips, we lower the entire third row, all the kids sit in the 2nd row, and we have TONS of space for bicycles, luggage, camping equipment, etc. And as stated many ti...
by FinTruth
Tue Dec 18, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128428

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

No change in status as of this morning. Still have full online access to my TDA and Lively accounts. There are these notes in the "check the status of pending transfers" section of the transfers screen, but they were there the other day too: "We're working on your transfer of assets ...
by FinTruth
Sun Jul 22, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 661
Views: 94132

Re: Flaunt Your High-Mileage Car

2006 Honda CR-V 147,000
2009 Toyota Sienna 150,000

The Toyota is great, only basic maintenance. The Honda needed a new A/C compressor and alternator in the same year (last year). Other than that just normal maintenance.
by FinTruth
Sun May 13, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Sumitomo Tires
Replies: 8
Views: 3032

Re: Sumitomo Tires

I am guessing Toyo's are better now. I had some about 15 years ago on an accord, and they were the worst tires I have every purchased. The slightest rain, and they would lose traction. Driving on the highway was an experience, the car would literally hydroplane every time it rained. I guess that was...
by FinTruth
Wed May 09, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 8558

Re: What's the view on dogs running free?

I love dogs, and have had one for the last 20 years. I also have a neighbor that lets their dog roam (we live in an upscale neighborhood with no fences). I brought the dog back to the owner, talked with the owner, emailed the owner multiple times after, and nothing changed until a year and a half in...
by FinTruth
Fri May 04, 2018 8:03 am
Forum: Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 22878

Re: Ed. Jones rep didn't like our plan, now we're locked out

Anyone know of why the EJ agent might do this?

Does it make his metrics look better because if he loses an account it may count against him but if he "fires" a client it perhaps does not?
by FinTruth
Thu May 03, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Anyone else have problems with appliances from Home Depot?
Replies: 43
Views: 15289

Re: Anyone else have problems with appliances from Home Depot?

I ordered some LG appliances from Costco. They outsourced it to some provider LG used. It was a complete disaster. 1) For the first install, they never connected up the water to the dryer for the steam function, and just left it like that without telling anyone. 2) Finally got a hold of someone, who...
by FinTruth
Sun Dec 03, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 604
Views: 157773

Re: My New Car Buying Tips

That's all well and good, but what do I do if after waiting 3-6 months for my car, they add additional dollars to it? It's tough to say, "that wasn't our deal," and then wait another 6 months for the car from dealer 2. This happened to me once. I ordered a minivan. After two months when t...
by FinTruth
Sat Nov 04, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 6087

Re: dishwasher recommendations

1) We bought a GE Profile dishwasher about eight or ten years ago and it was really awful. Combine that with bad experiences on two GE microwaves that each lasted only a couple of years before literally going "bang!" and emitting a puff of smoke, and we've pretty well had it with GE. The ...
by FinTruth
Wed Sep 13, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 10667

Re: Retirement - Living in Colorado

I have lived in C. Springs for the last 10 years. I have lived in N. California (2 years), S. California (6 years), various parts of IL(20+ years), and Texas(1yr). C. Springs is by far our favorite place we have lived. Second runner up was Cali, but far too expensive for us. Not that we couldnt affo...
by FinTruth
Sat Aug 26, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Help! Google Pixel erased itself -- what happened?
Replies: 15
Views: 2713

Re: Help! Google Pixel erased itself -- what happened?

Interestingly enough, this just happened to my Moto g5+ phone this morning. It started doing a boot loop, and then factory reset itself. Really annoying! Phone seems to be working fine after the factory reset, so probably not a hardware issue. The phone is running Android 7.0.
by FinTruth
Mon Dec 05, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Advice on dealing with Amazon customer service
Replies: 28
Views: 3727

Re: Advice on dealing with Amazon customer service

I had the same exact thing happen a few years ago when I ordered two fly fishing rods sold by Amazon.com. Using Amazon Prime, I expected them to show up in a few days. After three days, my orders (i placed two separate orders) were cancelled. I called Amazon and they told me they are out of stock. I...
by FinTruth
Mon Aug 15, 2016 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best home mortgage lenders?
Replies: 37
Views: 15257

Re: Best home mortgage lenders?

I used provident for my mortgage, and they were excellent. Just paid off the loan after selling the home last week, there were perfect for the last three years, and their website is great and lets you accomplish pretty much anything you would need. Penfed on the other hand was a total nightmare, I a...
by FinTruth
Mon Feb 01, 2016 10:57 am
Forum: Personal Investments
Topic: How to invest for disabled relative?
Replies: 9
Views: 987

Re: How to invest for disabled relative?

As the father of a disabled child, I hope my family comes together when I am gone like you guys seem to be coming together to take care of her in the future. Very admirable. Nice!
by FinTruth
Sun Jan 03, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 3373

Re: Minivan or SUV?

We went with a minivan. The sienna is the best vehicle we own. Have had it for $100k miles so far, tow a 3000lb camper, endless ski trips with snow tires, great vehicle. It was also cheaper than the SUV options we looked at. Carrying 8 people and all their ski gear is amazing. No reason to buy the S...
by FinTruth
Fri Jan 01, 2016 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 61
Views: 35259

Re: Question about Citi Double Cash Card

They gave me a limit of around $11k if I remember correctly, it was sometime last year. I called them up, and they increased it to $35k. I told them that my AMEX has a limit like that and I would like the same with the Citi card. They put me on hold and approved in a few seconds. Now, the hard part....
by FinTruth
Tue Nov 17, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Espresso Machine Recs
Replies: 67
Views: 7996

Re: Espresso Machine Recs

I have had two saeco super automatics for the last 8yrs or so. The first lasted 6 years and was still working great when I sold it on craiglist. The second I bought from Seattle coffee gear (for less than the one I sold on craiglist) and it has been going strong. Make sure to descale every once in a...
by FinTruth
Fri Nov 06, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: Costco auto buying service is USELESS!
Replies: 43
Views: 30807

Re: Costco auto buying service is USELESS!

I have now tried it twice. Once in 2006, buying a honda cr-v. The dealer was willing to meet a costco price that was pretty decent, but wanted me to purchase all sorts of addons (window etching, roof rack, blah blah) and claimed there was no way to get one without all these addons. I called costco t...
by FinTruth
Wed Oct 07, 2015 10:37 pm
Forum: Personal Consumer Issues
Topic: Demand repairs or give a bye for honesty?
Replies: 62
Views: 6225

Re: Demand repairs or give a bye for honesty?

My wife's car was rear ended last year, not too bad. She came home, and I looked at the bumper and it did look like some slight new scratches. I am sure we could have used insurance to get some money. I asked my wife: "was he nice to you?" She said yes, super nice and very apologetic. We d...
by FinTruth
Sun Jul 12, 2015 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: buying ski condo to use in summer
Replies: 26
Views: 6338

Re: buying ski condo to use in summer

I bought a ski condo in Colorado, (Keystone) 1 bedroom a few hundred yards from the main Gondola. As we were buying the condo, I turned to my wife and said: "This is a not a good financial decision for us, but it will be fun for the family and we are going to do it." The funniest part was ...
by FinTruth
Sat May 02, 2015 11:12 am
Forum: Personal Investments
Topic: Help for taxable account for 24 yo
Replies: 9
Views: 1773

Re: Help for taxable account for 24 yo w/ special needs

Does (or will he qualify) for SSI in the future based on the special needs?

If so, having assets could cause problems with SSI/Medicaid payments in the future and a trust may be a better savings vehicle.