Search found 716 matches

by Helo80
Mon Apr 16, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: High Mileage Car Lease
Replies: 14
Views: 1007

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: 6560

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: 6560

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: 6560

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: 6560

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: 1007

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: 6560

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: 6560

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: 5166

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: 1981

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: 14926

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: 3353

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: 1081

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: 1462

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: 1462

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...
by Helo80
Fri Apr 06, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 17810

Re: What can we learn from secret millionaires.

I am glad it worked out for you, but so many come out with loans that is doesn't work out like it did for you. My best friend got his BS in engineering at a state school and worked enough to pay his way without taking out loans. As I said 'If someone has done something, it can be done again'. Colle...
by Helo80
Fri Apr 06, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’
Replies: 88
Views: 13403

Re: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’

You know how journalists sometimes b***** science articles and make them say or conclude things that were unintended? I do wonder if that happened here... Bogle has written several books on the subject, and it would seem this quote runs against some of his long-held teachings on this forum. Personal...
by Helo80
Tue Apr 03, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy to Consider Relocating 5 Months after Buying a House?
Replies: 28
Views: 3332

Re: Am I Crazy to Consider Relocating 5 Months after Buying a House?

So ultimately, am I totally crazy for considering this move after 5 months of home ownership? Obviously, if this comes to fruition I'd be kicking myself for not just renewing my lease and not having to deal with a $15,000 risk, but on the other hand the move would cost me essentially nothing and wo...
by Helo80
Tue Apr 03, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 109038

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

Based on the statement released today, it looks like rumors of Tesla's demise are greatly exaggerated. http://ir.tesla.com/releasedetail.cfm?releaseid=1062670 Excerpt: "Q1 production totaled 34,494 vehicles, a 40% increase from Q4 and by far the most productive quarter in Tesla history. 24,728 were...
by Helo80
Mon Apr 02, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 109038

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

Tesla is a classic high risk/high reward story. If the EV revolution happens and if they end up in a dominant position, the current valuation could very well be justified. The combo of supercharger network and controlling service might result in them being a lot more profitable than other OEMs. Or ...
by Helo80
Sun Apr 01, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 109038

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

In 1999 did you say the samething about amazon? Nope.... though the B&M scene is not as bleak as some point it out to be. Amazon dominates online sales though. I give you credit for survivor bias though. :sharebeer btw -- hope you bought AMZN bigly in 1999 and dumped all your vanguard mutual funds ...
by Helo80
Sun Apr 01, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 109038

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

He has produced everything he said he would or is in the process of producing it in the case of the Model 3. A snake oil salesman sells stuff that has no positive attributes and may in fact be harmful. The Model S is the car he said he was going to produce and he has made it in sufficient quantitie...
by Helo80
Fri Mar 30, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 10093

Re: Resign from job or possible termination

I think that you are putting too much emphasis on how other companies will perceive this termination/layoff/firing/etc. Good people are lost in layoffs and company closings. I would stay on to the very end, but also be actively looking around for a new opportunity.
by Helo80
Thu Mar 29, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 109038

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

I have never gotten the valuation of Tesla other than Elon Musk's fanclub is crazy in Silicon Valley, and he obviously has many, many wealthy friends and backers that can afford to lose some $$$ on the vision. I don’t do stock valuations, so I have no idea. On the other hand, I happily paid 132k fo...
by Helo80
Thu Mar 29, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 109038

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

It seems to me that Tesla is to Bogleheads as kryptonite is to Superman. The widespread fervor for the company, the stock, and the product seems out of line with the philosophy. Just my take, of course... Tesla is very much a Android versus iOS... playstation versus xbox... etc. type of war. There ...
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: 1326
Views: 109038

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: 5780

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: 5780

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: 1326
Views: 109038

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: 5679

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: 2718

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: 7816

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: 7816

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: 63
Views: 8569

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: 63
Views: 8569

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: 477
Views: 69956

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: 1012

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: 7915

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: 4601

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: 568

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: 362
Views: 46538

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: 14241

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: 2046

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: 2868

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: 2222

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: 2683

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: 2683

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: 2683

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: 477
Views: 69956

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: 3408

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?