Search found 33 matches

by FinTruth
Fri Oct 25, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: New brakes
Replies: 9
Views: 1105

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: 22705

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: 3508

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: 34
Views: 2507

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: 25827

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: 7007

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: 9930

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: 4168

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: 4571

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: 9474

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: 3675

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 last longer. ...
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: 34695

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: 82
Views: 6255

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: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1012
Views: 107643

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 request. Please...
by FinTruth
Sun Jul 22, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 582
Views: 78437

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: 2533

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: 8254

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: 22055

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: 36
Views: 11878

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: 438
Views: 122961

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 the vehicle...
by FinTruth
Sat Nov 04, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 5684

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 front pane...
by FinTruth
Wed Sep 13, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 10043

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: 2504

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: 3633

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: 13785

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: 969

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: 3246

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: 33894

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: 7837

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: 29871

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: 6140

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 decided not...
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: 5710

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 the realto...
by FinTruth
Sat May 02, 2015 11:12 am
Forum: Personal Investments
Topic: Help for taxable account for 24 yo
Replies: 9
Views: 1722

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.