Search found 691 matches

by Helo80
Thu Mar 29, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86601

Re: To take or not to take delivery of Tesla 3

There is no lack of demand for the current model as they aren’t even halfway through the first day worth of reservations yet. If I'm not mistake, 500,000+ people pre-ordered. I have no doubt that demand is strong... for now.... once the federal tax credit rolls off, we will see how demand responds....
by Helo80
Wed Mar 28, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: LG 75" vs OLED 65" TV or Wait?
Replies: 44
Views: 4328

Re: LG 75" vs OLED 65" TV or Wait?

Of course OLED is still relatively new tech, so prices should start dropping within the next couple of years. Believe it or not, OLED is not a new technology, and has been around for some time!! I believe OLED technology has been on my radar since at least 2009/2010. I believe it was "promised" as ...
by Helo80
Wed Mar 28, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: LG 75" vs OLED 65" TV or Wait?
Replies: 44
Views: 4328

Re: LG 75" vs OLED 65" TV or Wait?

Personally, I'd shoot for the 65" OLED as I'm a videophile, and absolutely will get an OLED TV within a year for the deep blacks and rich colors.
by Helo80
Wed Mar 28, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86601

Re: To take or not to take delivery of Tesla 3

I don't gloat on the latest Tesla news and precipitous fall of the stock recently. I have always maintained that I view Elon Musk as the driving force behind making EVs "cool" and a car that the masses would want. The volume of Model 3 downpayments are proof of that (though 30% are actually going th...
by Helo80
Wed Mar 28, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 5472

Re: New car on lot for 102 days. Concerns?

Looking at new 2018 Toyota Highlanders. Got my information from CarGurus. They list the number of days the dealer has had the car. Two dealers have cars that have been on the lot over 100 days. Can anyone speak to the accuracy of this information? I must admit I am more comfortable with the Highlan...
by Helo80
Wed Mar 28, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Mac Office 2016 download on Ebay - how so cheap?
Replies: 23
Views: 2164

Re: Mac Office 2016 download on Ebay - how so cheap?

Hmm.... for $8.99, I may buy just to see what these guys are doing. My suspicion is that they have a backdoor (not hacking) into getting discounted MS volume licenses that are supposed to be given to charities, non-profits (animal shelters, not NCAA) and other like minded orgs. I have known sysadmin...
by Helo80
Tue Mar 27, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 6778

Re: Grass is always greener, federal edition

Management was furious, but I would make the same decision again, because defined benefit retirement systems are priceless. And when the government tries to change your benefits, they never do it for YOUR benefit. You will face the same situation when (not if) they revise your retirement benefits, ...
by Helo80
Tue Mar 27, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 6778

Re: Grass is always greener, federal edition

Does anyone have any input? I think I am just suffering from "grass is always greener" syndrome, but want to make sure I'm not considering aspects of this question that I have missed. Sorry for the long screed, but I actually wrote this out to help myself think (without intent of posting it), and t...
by Helo80
Sun Mar 25, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 6311

Re: Costco Kirkland Brand Liquor

Planet Money just did an episode about vodkas. https://www.npr.org/sections/money/2018/02/23/588346329/episode-826-the-vodka-proof They also found that there are no measurable differences between cheap and premium vodkas. Thanks for sharing. I read another story and experiment years ago that basica...
by Helo80
Sun Mar 25, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 6311

Re: Costco Kirkland Brand Liquor

Without reading all the details of the 49 posts, I would ask the question is Costco selling liquor within the confines of their store (which I know it does in some states) or is it being sold by a company other than Costco but in a store adjacent or attached to the Costco building as is the case in...
by Helo80
Sun Mar 25, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39972

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

Can you take your car to CarMax and sell it to them? As long as the check engine light is not on, you're not hiding any problems, since this oil dilution issue is a "feature" on all the CRVs. Take the loss of several $1000s of dollars and buy a different car, lesson learned. You're not going to sol...
by Helo80
Sun Mar 25, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: What is the chance of a purchase decreasing in value at some point?
Replies: 10
Views: 900

Re: What is the chance of a purchase decreasing in value at some point?

IMHO -- you're crying over spilled milk. Once you rip off the band-aid a few times and move large sums of money into the market (your personal belief of what "large sum" is)... you kind of forget what you bought said stocks for and how much it moves in the next 3, 5, 10, 20, and 30 days. Imagine if ...
by Helo80
Sun Mar 25, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Invests money, 3 days later the market tanks.
Replies: 58
Views: 7448

Re: Invests money, 3 days later the market tanks.

"3 days later the market tanks" implies a 1987 style crash. As we know, even if you invested the Friday before the Monday, you would still have come out fine today... though a bit better of course if you went in on Black Monday.
by Helo80
Sun Mar 25, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: New vs Used Camry vs Accord
Replies: 64
Views: 4053

Re: New vs Used Camry vs Accord

As an update, I bought a new Camry XLE yesterday. I took a loaner for a few hours yesterday morning and was really impressed with the new safety features and how comfortable the car was. Thanks for all of your feedback. After looking at the numbers, buying new seemed like an easy choice due to the ...
by Helo80
Sun Mar 25, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Replicating Total US Market Index
Replies: 3
Views: 533

Re: Replicating Total US Market Index

It may be worth scoping out VTSAX (Total stock market) versus VFIAX (S&P500) and seeing if the marginal difference between the two is worth the effort.
by Helo80
Sun Mar 25, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 258
Views: 32877

Re: MoviePass-Too good to be true, but it's legit.

I'm not a MoviePass user, but I have seen complaints about wording in the terms that could penalize a user who uses the service too frequently (and a few reports of people getting emails about prices going up due to excessive use) and about users being kicked off the service without warning if they...
by Helo80
Sat Mar 24, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 113
Views: 13617

Re: Bogleheads with $100K+ MSRP cars?

No, but it would certainly cost at least $50,000. I just ran a lease calculator on a base Mercedes S560 with no options, which stickers at $100,895. It's $1,358/mo with $12,542 due at signing. Total of $60,072 over the 3-year term. Now certainly you can find incentives and probably do better than t...
by Helo80
Sat Mar 24, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 1775

Re: How to Learn to Build a Web App

Is this feasible? How would I start? I noted there are several coding schools/tutorials online. Are there any more helpful than others? If I had forty hours a week to devote to this, is it reasonable for someone coming without any tech skills to become competent within a year to design my own web a...
by Helo80
Fri Mar 23, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 2738

Re: What car should I get

GoldenGoose wrote:
Fri Mar 23, 2018 8:15 pm

1. 2018 Camry
2. 2018 CHR
3. Hyundai sonata (just because they are unbelievably cheap)
4. Accord
5. Civic
Honestly, all are fine vehicles and should last you 160K+ miles. 5-8 years ago, i would have hesitated on the Hyundai, but they make solid and reliable vehicles from the data.
by Helo80
Fri Mar 23, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Just Starting - Inevitable Bear Market?
Replies: 13
Views: 2058

Re: Just Starting - Inevitable Bear Market?

1) Buy the Target 2050/2055 funds anyway, and stay the course. Due that... put as much money as you can towards the Target Retirement fund of your choice, and then do not worry about the noise in the market. The Chinese would not be buying US Treasuries for a few percentage points of return if they...
by Helo80
Fri Mar 23, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!
Replies: 43
Views: 2386

Re: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!

Customer service is now terrible, and your "subscriber's savings account" (insurance rebate) is being used to purchase all the advertising you see on television. Yup... For the people that don't really follow USAA that closely, there was once a time when USAA had ZERO national and local TV ad campa...
by Helo80
Fri Mar 23, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!
Replies: 43
Views: 2386

Re: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!

Since people have brought up Customer Service going to hell in a hand basket... I do not know the exact numbers off the top of my head, and I'm honestly not sure whom I could ask, but phone support used to be done mostly by full-time USAA employees. Now, USAA is making a greater use of contractors w...
by Helo80
Thu Mar 22, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!
Replies: 43
Views: 2386

Re: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!

1) Is there a reason I should keep my Roth and IRA with USAA? Members, loyalists, chime in! 2) Is there a penalty for me to roll over my Roth and Traditional accounts elsewhere, where I'll have better investment options? 3) Is there something I'm missing here? I'm just kind of shocked at how bad my...
by Helo80
Wed Mar 21, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39972

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

Here's a post on a Facebook CRV group by a guy that could have been me. Gives you an idea of how this is going down for lots of people having the problem. But I guess there isn't a problem because Honda told me so! By way of explanation, the overfill mark is the little hole near the top of the oran...
by Helo80
Wed Mar 21, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 2802

Re: Buying 2018 Honda Pilot

carruthers209 wrote:
Wed Mar 21, 2018 6:27 pm
I purchased our Honda Pilot in 2004 (with the Costco discount), have over 200,000+ miles with the original engine and transmission.
You don't know the size of the bullet you dodged on that one.

I am curious --- are you aware of the transmission problems Honda had in that era?
by Helo80
Wed Mar 21, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 2802

Re: Buying 2018 Honda Pilot

ETadvisor wrote:
Wed Mar 21, 2018 7:01 pm
Do not buy Honda Care warranty. I made the mistake for my 2012 Honda Pilot and it was wasted. Never again!
I have to agree with this. You're buying a Honda partly for the reliability.
by Helo80
Wed Mar 21, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 2802

Re: Buying 2018 Honda Pilot

Paying $36G plus tax and registration. Accessories - around $1000 - tint, door edge molding, side door panels, mats HondaCare - $1500-2000 - buy online Anyone with comparable prices? I looked up KBB, Edmunds and Truecar. Also reviewed Piloteers website. Any suggestions? Thanks 1. Scope out accessor...
by Helo80
Wed Mar 21, 2018 7:03 pm
Forum: Investing - Theory, News & General
Topic: Maybe Ramsey is right
Replies: 43
Views: 9645

Re: Maybe Ramsey is right

3. When DR gives investment advice, it's horrific. Not to split hairs, but it's not nearly as horrific as BH make it out to be. Things BH and Dave agree on: 1. Maxing out 401k 2. Maxing out Roth IRA (or backdoor Roth IRAs which Dave does) 3. Using S&P500 Index funds in taxable accounts. BH and Dave...
by Helo80
Tue Mar 20, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Maybe Ramsey is right
Replies: 43
Views: 9645

Re: Maybe Ramsey is right

I am a fan of Dave Ramsey with his debt free advice. But for investments I think he believes his ELP financial advisors can do better with there front load fees. Than again they pay his company fees for advertisements. He's dealing with financial numbnuts though. Investing with an adviser is better...
by Helo80
Mon Mar 19, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: Facebook's slide cost Mark Zuckerberg $6.06 billion in one day
Replies: 42
Views: 5021

Re: Facebook's slide cost Mark Zuckerberg $6.06 billion in one day

flyingaway wrote:
Mon Mar 19, 2018 7:49 pm
I bet that he did not sell any shares today. So he did not lose anything.
He was selling last week before the news hit.
by Helo80
Mon Mar 19, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: If you thought you were going to get laid off wwyd? [What would you do]
Replies: 32
Views: 2863

Re: If you thought you were going to get laid off wwyd?

1. Cut expenses
2. Polish the resume and start checking the jobs boards or your professional network
3. Don't take PTO (assuming you get paid out) -- Also, get a copy of your PTO policy prior to departure
by Helo80
Mon Mar 19, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 13023

Re: Can I Retire at 38?

Our jobs are pretty stressful and are not that flexible in taking time off. Do you think we are able to retire at age 38? I would recommend considering the fiscal solvency of CalPERS as I assume that is what you would be retiring under. It's unlikely the benefit(s) will go away completely, but one ...
by Helo80
Sun Mar 18, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: roth IRA vs roth TSP?
Replies: 17
Views: 2746

Re: roth IRA vs roth TSP?

My question is, which is the better place for him to put additional money he wants to contribute? Should he max out his IRA first, or contribute more to the TSP? In your son's situation, I would still stick to the general rule of thumb of: 1. 401k/TSP to Employer Match (5%) 2. Roth IRA to $5500 lim...
by Helo80
Sun Mar 18, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Techniques in helping other with poor money skills
Replies: 27
Views: 2436

Re: Techniques in helping other with poor money skills

What techniques have to deployed in the past that seems to get these individuals out of that cycle? Are there certain types of personalities in people you have found in the past that seems to be more willing to change than that of others? Unless someone is actively asking you for financial advice, ...
by Helo80
Sun Mar 18, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4358

Re: Does credit score matter if you never plan to borrow money again?

I have a small bill that I won’t pay because it is for a service extension I never authorized or used. The company, an internet news organization, finally told me they were reporting it to a collection agency. I thought, “Big deal.” I never expect to borrow money and I have never missed a payment i...
by Helo80
Sun Mar 18, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4358

Re: Does credit score matter if you never plan to borrow money again?

Recently bought a car cash. Dealer still ran a credit report. This is not the first, and I'm sure not the last, time I have heard this. I cannot imagine where this makes a difference... even if somebody has a credit score below 500, if they show up with a certified check (assuming bank says it's 10...
by Helo80
Sun Mar 18, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 8558

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

He says that vanguard claims low fees but they do take a cut another way - otherwise, how do they get paid managing the fund? Basically, his fee would be 0.25% which is about what vanguard takes. Vanguard Total Stock Market has $682 billion per Vanguard.com. With an ER of 4 basis points... that com...
by Helo80
Sat Mar 17, 2018 7:35 pm
Forum: Investing - Theory, News & General
Topic: Federal court tosses out fiduciary rule
Replies: 60
Views: 6545

Re: Federal court tosses out fiduciary rule

Whether or not this constitutes fraud in the legal sense, it is definitely an act of fraud in the literal sense. It's unethical to pose as someone whose primary responsibility is to offer good advice when one's actions are driven by ulterior motives (i.e. fees for directing customers to certain fun...
by Helo80
Fri Mar 16, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Never leased a car...good deal? How to tell?
Replies: 3
Views: 676

Re: Never leased a car...good deal? How to tell?

It's not bad that you ask here, but understand you'll probably get a barrage of "leasing is a bad deal" posts. In other words, people are good at projecting their economic situation and philosophy of car ownership onto complete strangers. I do follow leasehacker, lightly, as I am trying to better un...
by Helo80
Thu Mar 15, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 529 Accounts - Son got full scholarship!
Replies: 54
Views: 5485

Re: Help with 529 Accounts - Son got full scholarship!

Contrary to popular belief, West Point is not free. He will have money deducted from his paycheck for things like books and a computer. At least I did at Annapolis 25 years ago. Check with them to see if you can pay for those instead of deducting from his paycheck. Thank you very much for having se...
by Helo80
Thu Mar 15, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 60
Views: 4562

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

If you are looking for a reputable seller of external usb battery packs, go with Anker. It was founded by a group of ex-Googlers, and generally has awesome customer service. They replaced a product I had an issue with for free. yes, their products are a tad more than competition, but they only use h...
by Helo80
Thu Mar 15, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 529 Accounts - Son got full scholarship!
Replies: 54
Views: 5485

Re: Help with 529 Accounts - Son got full scholarship!

Thank you! I was under the impression (for whatever reason) that we could withdraw the whole amount penalty free in one go. I have seen varying estimates on the cost per year for a West Point education, the lowest being ~250K for the full four years. I guess I better talk to someone at the Academy ...
by Helo80
Thu Mar 15, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 14777

Re: Large life style creep that was completely worth it

Boat - I love the water and boating. But renting seems better compared time and maintenance For boats -- the quote I have heard is: The two greatest days in a boat owners life is the day he buys it and the day he sells it. Another quote is: If it flies or floats, rent it. If you live on the water a...
by Helo80
Thu Mar 15, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 9229

Re: Dave Ramsey on Bonds

To summarize every DR thread on BH no matter the starting topic: BH think DR is stupid and his advice is stupid. DR also thinks BHs are stupid (one podcast he really ranted against the people who only focus on fund expenses and index funds in general). BH think they are too sophisticated for DR adv...
by Helo80
Thu Mar 15, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86601

Re: To take or not to take delivery of Tesla 3

Musk is a master of distracting investors with shiny new toys (announcements) if there is bad news in the core operations. Credit markets took that bond, but credit investors should be more conservative, and the credit rating is still high yield/ junk levels. I do not believe a word that comes out ...
by Helo80
Wed Mar 14, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 140
Views: 13860

Re: New Car: Ever make sense to lease?

Leasing threads in a finance forum are always fun. Some cars lease well, some do not. In some cases, leasing makes more sense than buying.

Unfortunately, people tend to project onto others why they feel like leasing is a terrible idea rather than looking at all of the facts and figures.
by Helo80
Wed Mar 14, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 140
Views: 13860

Re: New Car: Ever make sense to lease?

Electric cars are changing rapidly. You can buy a few EV right now with greater than 200 mile range. I think there will be dozens of EVs with greater than 200 mile range in 5 years. Also with the 150KW to 350KW chargers it will only take 20 minutes or so to get you back to 80% range. That's why in ...
by Helo80
Wed Mar 14, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 9229

Re: Dave Ramsey on Bonds

Why would anyone on this forum take investing advice from Dave Ramsey? This forum is a self-selected audience, and is far, far, far, far, far from your typical American demographic that the DR enterprise targets. But, if you listen to DR long enough, he does max out his 401k, roth IRA (uses backdoo...
by Helo80
Wed Mar 14, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 9229

Re: Dave Ramsey on Bonds

Why would anyone on this forum take investing advice from Dave Ramsey? This forum is a self-selected audience, and is far, far, far, far, far from your typical American demographic that the DR enterprise targets. But, if you listen to DR long enough, he does max out his 401k, roth IRA (uses backdoo...
by Helo80
Wed Mar 14, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 9229

Re: Dave Ramsey on Bonds

umm.. anytime I listen to him.. he talks about No-Load Mutual funds. Load Mutual funds are a no-no. Yes --- Dave does use no-load, low ER S&P500 index funds as sort of a piggybank for future real estate buys. He only buys RE when he sees a good deal. He was also a RE agent prior to his radio career...