Search found 751 matches

by Helo80
Sun Aug 19, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 46
Views: 7703

Re: My son was scammed on Craigslist- how to get money back

Look on the bright side, he could have wired $400k https://www.nbcbayarea.com/news/local/Experts-Virtually-All-CA-Real-Estate-Transactions-Targeted-By-Hackers-487165181.html Yup. Local title company wanted me to wire funds to them for a transaction. I told them "No", that I would much prefer to bri...
by Helo80
Sun Aug 19, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 46
Views: 7703

Re: My son was scammed on Craigslist- how to get money back

Money is gone. You're welcome to report the crime to the police and/or FBI tip line, but the amount was likely low enough that it's going to warrant no investigation. BOA is not on the hook for this one as you agreed to wire the money to a specific account and BOA did just that. You can always conta...
by Helo80
Sun Aug 19, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Switch to auto lease after retirement?
Replies: 38
Views: 3175

Re: Switch to auto lease after retirement?

Benefits of leasing: 1. Predictable monthly payment 2. You don't own the car. In 2008/9 when gas was $4-$5 per gallon, large SUV values tanked (Escalade, Suburban, Expedition, etc.) The big three had so many large, gas heavy rigs that were heavily underwater... people on a lease laughed as they surr...
by Helo80
Sun Aug 19, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: How do you pay for purchase of a vehicle in retirement?
Replies: 38
Views: 4074

Re: How do you pay for purchase of a vehicle in retirement?

Likely the same way you buy a car before retirement.... You see the money in the pool... the money being added to the pool (pension, ss, RMDs, passive income streams, etc.)... and the money being taken from the pool (the tax man, bills, home repairs, gas, etc.)... and then decide how how car you can...
by Helo80
Sun Aug 19, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 49
Views: 41846

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

If you paid for the glasses using a credit card, you could dispute the charge with your credit card issuer. It's possible that they'll reverse it and take up the issue with Costco themselves. That being said, I'll bet that the fine print for Costco's return policy is that eyeglasses are non-refunda...
by Helo80
Thu Aug 16, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: First time investing(401k)
Replies: 21
Views: 1137

Re: First time investing(401k)

Another vote for your Target Date fund --- read this forum, and then six months from now you can decide what you want to do. But, if you're doing $1000 a month at your age, whether it's a Target Date or any other fund on the list, you'll be fine 30 years from now. Don't fret that you're screwing up ...
by Helo80
Thu Aug 16, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 113
Views: 21180

Re: Who uses the 3 fund portfolio ?

In my 401k and Roth IRA, I hold a 3 fund portfolio --- well, mainly two fund as I go domestic and international equities at a 80/20 mix. For my taxable accounts, that's my "fun" money with a mixture of individual stocks and vanguard small/mid can index/value/growth funds -- still though half of my t...
by Helo80
Sun Aug 05, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 43285

Re: TSP vs Fidelity Zeroes

I imagine they also hope to upsell their customers later on. Oh yes. I have some monies in the Fidelity TSM index fund and noticed they slashed the fees to 1.5 bp. I can live with that, and I have zero interest in moving to this loss leader until a few years are under the belt of the fund and peopl...
by Helo80
Sun Aug 05, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 43285

Re: TSP vs Fidelity Zeroes

I have zero reason to remain with the TSP after separation from service. .... As a TSP account holder, what is the best way for me to advocate more cost cuts to the Federal Retirement Thrift Investment Board? Access to the G-Fund is enough of a reason to remain at TSP. The ERs of TSP are already ab...
by Helo80
Thu Aug 02, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78535

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I assume that this was off everyone's radar, right? I think it's great news and +1 for free market competition.
by Helo80
Sun May 27, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 10554

Re: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)

My wife is in love with the car but she said she just isn't going to pay more than 45k out the door. I guess our only option is to wait for the 2019 models to hit the floor and hope the 2017s will have a lower price. The unlimited mile warranty on the certified pre-owned is huge for us since my wif...
by Helo80
Sat May 26, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: should I buy or rent
Replies: 18
Views: 1410

Re: should I buy or rent

Not very secure with my job and very insecure about committing to one location in case I move on from this job. I am currently putting away more than 5K per month into 401k and Roth 401K. If you are having doubts your short term commitment to your current job, it would probably not be wise to buy. ...
by Helo80
Tue May 15, 2018 7:30 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 14249

Re: The front page is ugly

When I joined, I did not like the front page much. Now, that I understand how it works, I love the frontpage as it gives me a quick snapshot on what topics are trending.
by Helo80
Sat May 12, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 33
Views: 3894

Re: Picking up New Subaru-Worth buying extended warranty?

maroon wrote:
Sat May 12, 2018 8:42 am
and at ~103K miles, replacement of control arm bushings.


My best guess is that with or without an EW, bushings would be a wear and tear item... especially at 100k miles.
by Helo80
Fri May 11, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 712
Views: 106084

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

Folks, I want to Thank You for sharing this issue. I had a down payment on a CRV EX-L when I finally noticed this issue on your site any other sites. I cancelled the order. I live in NY, the dealership is claiming they had no clue of this issue, which I am finding a bit hard to believe. I have a bi...
by Helo80
Fri May 11, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 6080

Re: New Car Suggestions: BMW Crapping Out

Hi Bogles, I am leaning toward the Highlander but also considering Mazda CX-5, CX-9 and Lexus NX. Honda is out of the question bc their suv’s are ugly. Highlander or RX will be your best bet. Under the hood, their is nothing terribly different between the two unless you get the Lexus RX sport. Inte...
by Helo80
Fri May 11, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 50320

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

So... HMNY (movie pass owner) recently filed a cash flow statement that did not look promising. If I'm not mistaken, the basics are that they are not carrying major debt (good). However, their cash on hand and expenses show that they have about a month or two of buying more tickets until that runs o...
by Helo80
Thu May 10, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: When to replace a car windshield
Replies: 27
Views: 2051

Re: When to replace a car windshield

There is no rule of thumb --- generally people replace when a crack turns into a spider. At 14 years old, it's not unreasonable that they will have to replace the moulding gasket. Sometimes said seals can be salvaged and that is why you get an "iffy" quote on windshield replacement. Usually, said pa...
by Helo80
Sat Apr 28, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 50320

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

My son has a MoviePass and loves it. It's also an easy decision for the theaters. It's like a casino comping a room. It's already built, so any further use is pure profit. And they make the real money on the concessions. The big chains are pushing back on MP for fear of the devaluation of the exper...
by Helo80
Fri Apr 27, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Extended Warranty for Honda Odyssey - worth it?
Replies: 23
Views: 5043

Re: Extended Warranty for Honda Odyssey - worth it?

Having worked on and maintained my family's vehicles -- a mix of Japanese, German, and domestics, here is my spiel on factory EWs. For peace of mind and to help you sleep at night, EWs from Honda are worth every penny. Be sure to heed advice here and shop around as generally any Honda dealer has the...
by Helo80
Tue Apr 24, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 36
Views: 4417

Re: Negotiating for a new Toyota.

Toyotas are in demand and we've found often don't have the 'mega discounts' that you see with domestics. That's purely my opinion. Toyota's and Honda's tend to be more conservative with their MSRP and incentives on them as both have lineups that move at an acceptable speed to their corporate leader...
by Helo80
Tue Apr 24, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 9398

Re: Do you buy new or used cars?

I love the emotional aspects of car experiences even from the most staunch conservative BH. "I pay cash for new and drive for 12 years." I gather that these statements are justifications for buying new. These are emotional justifications, but not mathematical as this does not preclude you from buyi...
by Helo80
Mon Apr 23, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Job Interview - Send follow up email?
Replies: 16
Views: 1882

Re: Job Interview - Send follow up email?

1. Should I send a follow up email to reiterate my interest in the position and the firm or just continue to wait? Give it a week or two... but I would never do it in the same week unless you receive intelligence that they're making a decision quickly. 2. (If yes) should I email the hiring manager ...
by Helo80
Mon Apr 23, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Job Interview - Send follow up email?
Replies: 16
Views: 1882

Re: Job Interview - Send follow up email?

I personally always followup with a thank you email or note.

The worst that happens is you don't get the job.
by Helo80
Mon Apr 23, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Your own General Contractor
Replies: 33
Views: 3477

Re: Your own General Contractor

If you have to ask, you probably should not do it. Sure, you can maybe arrange to paint your own walls, or do your flooring. But, making sure everything is to code and is structurally sound and safe, it's not something to cheap out on. I'm not sure how home insurance would work if you build your own...
by Helo80
Mon Apr 23, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 11275

Re: Salary Negotiation gone sour

That being said the dept. is growing and I was told I am the number 1 choice when anything else opens up. (Of course this could be just the "Let's be friends" approach to a breakup). Am I correct that this situation is somewhat perplexing? I felt that my asks were reasonable and I was always profes...
by Helo80
Mon Apr 23, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 3968

Re: Looking to purchase new car/SUV

I remembered one tid-bit. My folks used to know an auto-industry attorney. He worked for I believe one of the major insurance companies and dealt with the bad accidents and what not. He was *not* an ambulance chaser and/or trial attorney representing victims injured by 18-wheelers driven by Walmart,...
by Helo80
Sun Apr 22, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 85
Views: 10719

Re: Pension Freeze - What did you do?

People buy junk products. Just consider the level of trash sold nowadays compared to the quality of products years ago, This is a tangent compared to the overall theme of the thread, but I don't personally buy this argument, and I think there is some revisionist history going on. There is no way yo...
by Helo80
Sun Apr 22, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 3968

Re: Looking to purchase new car/SUV

If she is waffling between a sedan and SUV, as well as, wants a safe and reliable vehicle... I would recommend at least scoping out the Subaru lineup with Eyesight . AWD is on nearly all, if not all of their lineup. If an "old" design is a dealbreaker, you may look into doing a monthly lease on a re...
by Helo80
Sun Apr 22, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Removing Existing Satellite Systems
Replies: 23
Views: 3456

Re: Removing Existing Satellite Systems

I wonder if they have liability when a person falls off the roof trying to remove the dish when the company that put it there won't. Somebody --- homeowner or tenant --- authorized the dish to be put up in the first place. Much like most anything, if the new owner/tenant does not want it there, it ...
by Helo80
Sat Apr 21, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Where to purchase a new iphone
Replies: 5
Views: 695

Re: Where to purchase a new iphone

The yelp reviews of the Apple store in this county are poor. I am far from an Apply fanboy or apologist, though the same goes for Droid. I would not take those yelp reviews too seriously as Apple exercises a tremendous amount of control over their image. If the store is really that bad, I would ima...
by Helo80
Sat Apr 21, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 9398

Re: Do you buy new or used cars?

I bought a new car because the model I wanted was selling for more used than new. Not sure how this is possible, but it happened. People have it in their head that you can "save so much money" by buying a car 1-3 years old. While it's nearly universally true that a registered vehicle will go for le...
by Helo80
Sat Apr 21, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 9398

Re: Do you buy new or used cars?

... 50% of original MSRP ... 40% of original MSRP ... 65% of original MSRP. I always view MSRP about as useful as "Provider Charges" line on medical bills... Example from a recent one: Provider charges $2,007, "Contractual allowance" and other meaningless (to me) deductions $1657. Insurance paid $1...
by Helo80
Mon Apr 16, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 7040

Re: Costco gas

No, I usually never get Costco gas. 1. No love for AMEX anymore and that means no 5% CB for me. 2. The lines are usually long (3-4 cars just waiting to fill up) 3. The price is within a nickel of Sam's and other gas competitors around my Costco location. 9 times out of 10, Sam's matches the Costco ...
by Helo80
Mon Apr 16, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: High Mileage Car Lease
Replies: 14
Views: 1156

Re: High Mileage Car Lease

I stipulated to the fact that leasing is generally not the most cost-effective way to drive a car. I just figured that someone here might have had an experience with a Toyota lease for high miles. Not an unreasonable assumption considering how many people visit this board, most of whom have an inte...
by Helo80
Mon Apr 16, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: High Mileage Car Lease
Replies: 14
Views: 1156

Re: High Mileage Car Lease

If you really need to lease and burn miles, you can simply get the cheapest lease contract then sell your car prior to your return to the dealer. The mileage would be irrelevant except the cost you will get when you sell it. The depreciation should be less than the mileage overage penalty. But hone...
by Helo80
Mon Apr 16, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 7040

Re: Costco gas

Retailers like Costco that use the Top Tier label have agreed to use a high quality additive pack added to the gas loaded onto their delivery from the local gas wholesaler in their region. Non top tier brands buy their gas from the same wholesaler but typically do not add the extra cost additive pa...
by Helo80
Mon Apr 16, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 7040

Re: Costco gas

https://www.cnbc.com/2017/09/01/texas-faces-fuel-crisis-as-panic-gasoline-buying-ensues.html https://fm.cnbc.com/applications/cnbc.com/resources/img/editorial/2017/09/01/104686399-lines-at-terminal.600x400.jpg Here are fuel tankers waiting in line to fill up. There exists an even better, aerial foot...
by Helo80
Mon Apr 16, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 7040

Re: Costco gas

The manual for my turbocharged direct injected car specifically states to use Top Tier gas. As above, it's likely not due to mechanical necessity, but because those manufacturers are part of the alliance. It's also because cars sometimes go to true third-world countries where genuine problems exist...
by Helo80
Mon Apr 16, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 7040

Re: Costco gas

jabberwockOG wrote:
Mon Apr 16, 2018 2:51 pm

Costco gas price is a great deal - usually .25-30 less expensive per gallon for high quality gas so we are saving several dollars not pennies. We shop Costco every 2 weeks and always get gas there for the car.


What makes Costco gasoline higher quality than other gasoline?
by Helo80
Mon Apr 16, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: High Mileage Car Lease
Replies: 14
Views: 1156

Re: High Mileage Car Lease

12k and 15k are of course the standard lease limits. But, I think you can go well beyond those with the understanding that the RV is going to be lower as a result. Your best bet is to call around and see if your local dealers can set you up with a 20k/year lease. Keep in mind, you will need to budge...
by Helo80
Mon Apr 16, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 7040

Re: Costco gas

The article you post doesn't seem to make that claim. The main issue with direct injection is that fuel never hits the valves. No amount of detergents can help if they never come into contact with critical parts. However, as I said, detergents may be helpful for the fuel system (rather than the eng...
by Helo80
Mon Apr 16, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 7040

Re: Costco gas

No, I usually never get Costco gas. 1. No love for AMEX anymore and that means no 5% CB for me. 2. The lines are usually long (3-4 cars just waiting to fill up) 3. The price is within a nickel of Sam's and other gas competitors around my Costco location. 9 times out of 10, Sam's matches the Costco p...
by Helo80
Sun Apr 08, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 5557

Re: New Lexus LS or Tesla Model S

For 2018, both are mid $70’s, so wondering what the BH’s think.... You have to give us more information and cannot just go based upon price. How long do you plan on owning the vehicle? What are your top priorities in a vehicle? Do you plan on going on long road trips where electric charge stations ...
by Helo80
Sat Apr 07, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest in an HSA even though I don't go to the hospital much?
Replies: 18
Views: 2052

Re: Should I invest in an HSA even though I don't go to the hospital much?

Does it make sense to put money or invest in an HSA if I don't go to the hospital much? If you don't go to the hospital much, I would hope it's because you're healthy and safe and then you're going to also be concerned about your financial health >65 years old. Then, your HSA is a nice little IRA p...
by Helo80
Sat Apr 07, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 15860

Re: Ivy school education. Is it worth it?

So my point is strictly based on ROI based on early career earnings would be going to SUNY Maritime College is a better financial choice. If we add in cost of living (which I did not do for this analysis) I suspect the ROI numbers are even more compelling. Next I did this analysis for business scho...
by Helo80
Sat Apr 07, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: WSJ article on Vanguard snafoos - Should Bogleheads.org get involved?
Replies: 23
Views: 3471

Re: WSJ article on Vanguard snafoos - Should Boglehead.org get involved?

I personally think that somebody somewhere in Vanguard would have cycles to check a BH inbox and help get unresolved issues to the right mailbox internally. I am not suggesting this is a method for "Hey, I want to rollover my old 401k into Vanguard". Rather, "It has been 8 weeks since Vanguard recei...
by Helo80
Fri Apr 06, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Car was totaled, next steps?
Replies: 18
Views: 1150

Re: Car was totaled, next steps?

What say the Bogleheads? 1. I would not accept the settlement figure until you are happy with what they are offering and what you are seeing for comps on the market, as well as through KBB, NADA, and the like (though I always say this.... KBB is not gospel. When car dealers and insurance companies ...
by Helo80
Fri Apr 06, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: replace 2004 Honda Accord ?
Replies: 14
Views: 1523

Re: replace 2004 Honda Accord ?

I will have to have the transmission fluid changed. I am also told to have the timing belt tensioner replaced. PCV valve replaced. Should I replace the entire car? I really don't want to. I have gotten my money's worth from it. Unpopular opinion, but yes, you should if you have the financial means ...
by Helo80
Fri Apr 06, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: replace 2004 Honda Accord ?
Replies: 14
Views: 1523

Re: replace 2004 Honda Accord ?

Headlights are blurred. That is a DIY 30-minute fix or many places, such as Sam's Club will do them. 2nd that. I've been to dealerships that want $150, yet my local Sam's I think was in the neighborhood of $30. The 3M kits are like $10 on sale at Amazon and all you need is a basic, no frill power d...