Search found 294 matches

by chrisjul
Sat Oct 02, 2021 11:13 am
Forum: Personal Consumer Issues
Topic: Protecting cars on driveway
Replies: 176
Views: 16351

Re: Protecting cars on driveway

Rudedog wrote: Wed Sep 29, 2021 2:06 pm Best deterrent is a dog who hates strangers.
TERRIBLE ADVICE! All u get with this "solution" is a huge law suit.
by chrisjul
Thu Sep 16, 2021 2:25 pm
Forum: Personal Consumer Issues
Topic: Changing Old Truck to Full Synthetic Oil?
Replies: 36
Views: 4201

Re: Changing Old Truck to Full Synthetic Oil?

I switched mid-life of a vehicle to synthetic and it leaked like a sieve, but that was around thirty years ago or more when Mobil 1 just about first came out. The posts with more recent experiences are much better indicators. One thought would be to use a high-mileage semi-synthetic as a migration step. See how it goes oil change #1. If it works well, maybe blend your own mix with a 3:2 synthetic to non ratio #2. If that works well go to full synthetic. Anecdotally, I used to load a Ford Tempo 4 cylinder (essentially a Ranger with a car body) to the gills and full roof rack for long-distance camping trips. I put in 4 quarts of Castrol 0-50 full synthetic and 1 quart of Castrol straight 30 weight for those trips and felt I could drive that ...
by chrisjul
Sun Aug 15, 2021 11:41 am
Forum: Personal Consumer Issues
Topic: Reverse Snowbirds?
Replies: 54
Views: 9744

Re: Reverse Snowbirds?

Thats not reverse.
by chrisjul
Wed Aug 04, 2021 12:22 pm
Forum: Personal Consumer Issues
Topic: which brand auto battery
Replies: 88
Views: 10322

Re: which brand auto battery

abner kravitz wrote: Thu Jul 29, 2021 4:35 am I use whatever AAA sells. They come to you to install, and I think the warranty is decent.

Same here. GREAT SERVICE right in your garage.
by chrisjul
Sun May 23, 2021 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Why ibonds?
Replies: 110
Views: 12919

Re: Why ibonds?

namajones wrote: Sun May 23, 2021 7:23 am
CloseEnough wrote: Sun May 23, 2021 6:17 am The annual dollar limit and hassle doesn’t seem worth it for a few hundred dollars interest in a large portfolio.
I agree. Add to that the hassle of using the Treasury's site (give it a shot and see what you think) make it a no-go for me. I'd personally pay $100 a year not to have to use that site. I don't even want to look at it. Who knows: maybe the clunky design is a feature, not a bug. Doesn't matter: I'll pass.

P.S. Don't hit that back button! LOL.

Agreed. The site is BAD, but its worth it. I have some Ibonds from 2001 paying over 6%, I believe.
by chrisjul
Sat May 22, 2021 10:27 am
Forum: Personal Consumer Issues
Topic: My Honda Didn't Last
Replies: 110
Views: 15282

Re: My Honda Didn't Last

I have also had bad luck with Hondas.

Went to Toyota and never looked back (also, never had a problem)
by chrisjul
Sat May 15, 2021 11:28 pm
Forum: Personal Investments
Topic: I Bond buy date
Replies: 19
Views: 3062

I Bond buy date

Am I correct in the assumption that I can buy an IBOND on 5/30 and still get the entire month's interest?
by chrisjul
Mon Apr 19, 2021 11:09 am
Forum: Personal Consumer Issues
Topic: Out on 4Runner - Used Lexus GX?
Replies: 36
Views: 4619

Re: Out on 4Runner - Used Lexus GX?

chrisam314 wrote: Mon Apr 19, 2021 9:26 am
Sandtrap wrote: Mon Apr 19, 2021 9:17 am
sec_vol wrote: Mon Apr 19, 2021 8:50 am Love my GX 460. Had an old 4Runner and made the same move you're contemplating. It's one of the few Toyotas that are made in Japan and sold in the USA. Basically a smaller Land Cruiser.
Maybe in the market for a luxury SUV midsize.
Did not know this.
Will look into it.
Thanks!

j :D
Both the Lexus GX and the Toyota 4Runner are manufactured in Japan.
So is the Prius.
by chrisjul
Mon Mar 29, 2021 9:46 am
Forum: Personal Investments
Topic: Vanguard site issues
Replies: 50
Views: 5785

Re: Vanguard site issues

Yes, I have several trades that should have sold. They are now marked REJECTED. Cost me $$$$$$.

Vanguard customer service and website reliability has crashed since Jack Bogle died.

Ive been holding over an hour. I'm sure there is some Loophole that will allow them NOT to pay me.

Fidelity, here I come.
by chrisjul
Fri Jan 29, 2021 10:50 am
Forum: Personal Consumer Issues
Topic: Any chance for refund of USPS priority mail?
Replies: 35
Views: 6124

Re: Any chance for refund of USPS priority mail?

No refunds for PRIORITY, only Express Mail offers refunds
by chrisjul
Tue Jan 19, 2021 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct Inventory Disappeared!
Replies: 6
Views: 916

Treasury Direct Inventory Disappeared!

My inventory has disappeared. Anyone else having this problem?
by chrisjul
Fri Jan 15, 2021 11:22 am
Forum: Personal Consumer Issues
Topic: What is the correct premium to pay for a Toyota vs a Chrysler?
Replies: 53
Views: 4510

Re: What is the correct premium to pay for a Toyota vs a Chrysler?

jhsu802701 wrote: Thu Jan 14, 2021 3:13 pm I'd pick the Toyota over the Chrysler - no contest!

In the frequency of repair surveys in Consumer Reports, Toyotas usually fare among the best while Chryslers usually fare among the worst. Being acquired by Fiat has only further degraded the quality of Chrysler products. If you REALLY want to drive a Chrysler, just rent one. It will be fairly new and thus unlikely to have problems. If your rental Chrysler does have problems, it's the rental car company's responsibility to find a replacement and/or get it fixed, not yours.

Agree!
by chrisjul
Fri Jan 15, 2021 11:20 am
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 6040

Re: Simple but fun cars

flyingcows wrote: Thu Jan 14, 2021 6:02 pm +1 to the Miata

Also, a 20 year old Honda S2000 is worth considering. Great little sports cars that are as simple as possible, they don't even have ABS. Unfortunately, these are very expensive as everyone wants them

I agree....Miata
by chrisjul
Fri Dec 18, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 125
Views: 10698

Re: New motorcycle rider

munemaker wrote: Tue May 15, 2018 7:19 pm As an experienced rider who has logged 65,000 miles, I advise you to forget it.

It is incredibly dangerous out there today due to distracted drivers, and motorcyclists are extremely vulnerable. I got hit by a deer going 65 mph and suffered some serious injuries, and I was wearing all the safety gear. Fortunately they were able to rebuild me and I am pretty much back to normal today. I ride a little here and there, but nothing like before. Trust me. The pleasure of riding does not offset the pain of serious injury.
I completely agree with this post. Same scenario here. In Fl, you can ride year round, BUT the old folks and oblivious Snowbirds are all out to kill you. I'm done with motorcycles, sadly.
by chrisjul
Fri Dec 18, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 109
Views: 14883

Re: Bosch dishwasher?

My (expensive) Bosch diswasher lasted one month past warranty. Obviously I DO NOT recommend them.
by chrisjul
Fri Dec 18, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: Used Sports Car
Replies: 77
Views: 7238

Re: Used Sports Car

Jack FFR1846 wrote: Mon Aug 26, 2019 1:43 pm Miata
Is
Always
The
Answer

Agree!
by chrisjul
Fri Dec 18, 2020 10:04 am
Forum: Personal Consumer Issues
Topic: Trading a BMW for a Toyota
Replies: 84
Views: 8246

Re: Trading a BMW for a Toyota

Usually once you already own a car, the most cost-effective thing is to just keep that vehicle. If you anticipate very high maintenance costs (possible w bmw), then it might be worth making the swap. In terms of your next car - I would shop new camrys before choosing used. Used car prices are sky high and Toyota’s tend to depreciate very little. Also, sedans are not selling well, so you likely could get incentives/significant discounts if you aggressively shop around and negotiate with multiple Dealers. Also check out car max, vroom, carvana when looking to get a sense of what the current car is worth. I've owned both BMWs and Toyotas. NO comparison on maint/repair costs and the need for repairs. Toyotas are amazing really. Ive had 2 Prius...
by chrisjul
Mon Dec 14, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Do you buy extended auto warranties?
Replies: 70
Views: 5706

Re: Do you buy extended auto warranties?

Unnecessary: I drive Toyota.
by chrisjul
Fri Dec 11, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery Showing Zero Incoming Mail?
Replies: 46
Views: 18371

Re: USPS Informed Delivery Showing Zero Incoming Mail?

38 years w USPS.

The photo is taken on a machine while the mail is going at blur speed. At times, the pic will be missed.
by chrisjul
Tue Dec 01, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 167
Views: 26148

Re: Vitamix Worth It?

Yes. Outstanding tool.
by chrisjul
Fri Nov 27, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: Trading a BMW for a Toyota
Replies: 84
Views: 8246

Re: Trading a BMW for a Toyota

123 wrote: Thu Nov 26, 2020 8:51 pm I just don't see a whole lot of gain by replacing a $30K (loan) BMW with $23.5K (loan) Camry. I would see a gain if you got out of the BMW for out-of-pocket cost of $5K (sell BMW for $25K and payoff $30K loan with $5K cash) and bought a replacement used vehicle with $10K (or less) cash. My guess is that you don't have $15K laying around, that's one of the main reasons people get stuck with vehicle financing. Due to the front-loading of interest the loan will often exceed the vehicle value relatively quickly.

The "gain" will be in the maintenance and repair costs of keeping an older BMW running. I know from experience. A Toyota is bullet proof.
by chrisjul
Thu Nov 26, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: What do we know about 2021 RMDs?
Replies: 13
Views: 2143

Re: What do we know about 2021 RMDs?

arcticpineapplecorp. wrote: Thu Nov 26, 2020 10:10 am nobody knows nuthin
by chrisjul
Thu Nov 26, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Transmission troubles (Update to the update)
Replies: 52
Views: 5387

Re: Transmission troubles

Sell or trade. Buy a Toyota.
by chrisjul
Mon Nov 23, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Should I buy a new BMW X3?
Replies: 37
Views: 4369

Re: Should I buy a new BMW X3?

I've owned BMW's over the years (no longer).

My assessment: They are great till they break. And they will.
by chrisjul
Sun Nov 22, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: Solar Pool Heating
Replies: 26
Views: 1626

Re: Solar Pool Heating

Best invesment I've made in 10 years on the house. I live in S FL and can swim year round. NO maintenance or repairs in the 10 years I've had it.

GL!
by chrisjul
Mon Aug 17, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 6560

Re: USPS shipping: Caveat Emptor

I was with the USPS for 38 years. it is a very complex business model, quasi governmental and yet expected to perform like a business, but without freedom to take actions without intense oversight from Congress. Over 600,000 employees, multiple labor unions, 40,000 retail units, the largest civilian vehicle fleet in the country, hundreds or thousands of processing plants , Congress watching every move, etc. It takes an entire career to learn the organization. Most Postmaster Generals in recent years came up in the system from the lowest levels (I began unloading trucks). Now, the new PMG, who has zero experience, has stumbled into a quagmire by making radical changes that will not support efficiency. We should all expect major problems.
by chrisjul
Thu Jul 30, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Toyota RAV4 Gas vs Hybrid?
Replies: 91
Views: 9754

Re: Toyota RAV4 Gas vs Hybrid?

HYBRID.

I've owned 2 Toyota hybrids for a total of 14 years with NO Repairs (only maintenance).

Outstanding vehicles!
by chrisjul
Sat Jul 25, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 167
Views: 26148

Re: Vitamix Worth It?

Its outstanding. We liked it so much, we bought both sons one. Highly recommend.
by chrisjul
Fri Jun 12, 2020 11:27 am
Forum: Personal Investments
Topic: Is it bad to be a "day trader"?
Replies: 51
Views: 4210

Re: Is it bad to be a "day trader"?

So, with the recent market volatility, and extra time on my hands working from home, I've found myself doing a lot more exchanges than usual. Always keeping roughly to my 70/30 allocation, but doing "opportunistic" rebalancing. Buying on Really Bad Days, and selling on Really Good Days. Yesterday, I exchanged $100K in bonds for S&P 500 at -7%; today, the market appears likely to close up around +3% (but it is still early in the day). I'll exchange back again at the end of the day to bonds, and net a $3,000 gain for a few mouse clicks. Funds are within a 401K with no trading costs and no frequent trade restrictions. If the market had continued to go down, I'd continue to hold, for years, if necessary. What am I missing? Is the...
by chrisjul
Tue Jun 02, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 18198

Re: If Jeep has such poor reliability, how come they are everywhere?

Sandtrap wrote: Mon May 25, 2020 1:32 pm
tibbitts wrote: Mon May 25, 2020 1:01 pm
chrisjul wrote: Mon May 25, 2020 12:56 pm
CULater wrote: Sun May 24, 2020 8:05 am It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads think?
"Real" Jeeps are no longer produced. The marketing tools are powerful.
What is a "real" Jeep?
CJ 6 and CJ 7's.

j :happy
Yes, and the Willys Jeeps.....the new Fiat Jeeps are nothing like the true CJ.s and Willys
by chrisjul
Mon May 25, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 18198

Re: If Jeep has such poor reliability, how come they are everywhere?

CULater wrote: Sun May 24, 2020 8:05 am It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads think?
"Real" Jeeps are no longer produced. The marketing tools are powerful.
by chrisjul
Mon May 25, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: Peer to peer lending in this day and age
Replies: 46
Views: 3351

Re: Peer to peer lending in this day and age

I have got a little investment (less than 100k) in P2P in the Uk where I live; I hardly ever watch it but at this time I get messages from the company Zopa explaining that many borrowers will be late with repayments due to the current situation. Zopa had navigated the 2008 crisis rather well, so I am not too worried. I know that Larry Swedroe recommended P2P investments so I am wandering whether there are many Bogleheads who have invested in these products and if so how they are reacting? Selling now one would incur losses since interests have gone up; besides these loans are probably not very liquid. Any thoughts/experiences you want to share? I have been happily invested in Lending Club for over 5 years, until Florida was not allowed to ...
by chrisjul
Mon May 18, 2020 10:37 am
Forum: Personal Investments
Topic: Large inheritance -- looking for advice
Replies: 65
Views: 11366

Re: Large inheritance -- looking for advice

livesoft wrote: Thu Jun 07, 2018 4:26 pm I'd sell ALL the stocks as soon as possible and not attach any sentimental value to them. The ones in a taxable account: Get them gone before any of the capital gains get bigger. Clearly, you know enough to tell which stocks are US and which are foreign, so you can figure out the current asset allocation and use a Total US or a Total Int'l ETF or mutual fund to replace any of the individual stocks.

There are many investors on this forum with mid-7-figure portfolios that are completely do-it-yourself. A one million portfolio is scaleable to a $10 million portfolio with virtually no changes.

Update your will and estate plan.
LOL...you might actually want to look at the stocks prior to selling them "as soon as possible".
by chrisjul
Sun May 10, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Buying a used Jaguar
Replies: 40
Views: 3017

Re: Buying a used Jaguar

Advise a HARD PASS!
by chrisjul
Wed Apr 22, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 6508

Re: How much to tip on DoorDash?

Trader Joe wrote: Sun Apr 07, 2019 7:55 pm
masonstone wrote: Sun Apr 07, 2019 7:46 pm How much do you generally tip on DoorDash for food delivered?
I tip Doordash (and all other food delivery services) $0.00. Their employer pays them.
$10. Tough way to earn a living with the virus.
by chrisjul
Thu Apr 09, 2020 10:51 am
Forum: Investing - Theory, News & General
Topic: Inherited IRA
Replies: 8
Views: 687

Inherited IRA

Does the new rule allowing no RMD in 2020 also apply to inherited IRA's?
Tks in advance
by chrisjul
Fri Apr 03, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 213
Views: 27422

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

I would suggest being very careful with the standard Boglehead "Stay the Course" commandment.

We are in uncharted historical territory.

"Nobody Knows Nuttin"
by chrisjul
Sat Mar 21, 2020 11:47 am
Forum: Investing - Theory, News & General
Topic: thank you Bill Bernstein: "If You've Won the Game, Stop Playing"
Replies: 51
Views: 8789

Re: thank you Bill Bernstein: "If You've Won the Game, Stop Playing"

gips wrote: Wed Mar 18, 2020 10:11 am Bill,

you saved my bacon, thank you for your wisdom.

best,
Same here.....my favorite financial quote
by chrisjul
Wed Mar 18, 2020 2:21 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 38584

Re: How much you lost/gain since Feb 20,2020 ?

sd323232 wrote: Wed Mar 18, 2020 10:19 am
chrisjul wrote: Wed Mar 18, 2020 9:26 am
watchnerd wrote: Tue Mar 17, 2020 4:59 pm
chrisjul wrote: Tue Mar 17, 2020 3:35 pm Down $20k.

I did market time and lighten up when the virus got out of hand in China. Only 6% in market when it crashed.

I know the Vanguard crowd will smite me for "market timing", but it seemed pretty obvious that the world was in for a tough time.
Getting out is easy.

When are you getting back in?

When the virus peaks. The market is down over 9,000 points since I sold.....lots or room for error to get back in.
getting back in at dow 16K and below? 2020 will be rough, but in 2030 we wont even remember this!
LOL. Get real. This is Historical, both economically and medically. WE WILL remember this.
by chrisjul
Wed Mar 18, 2020 9:26 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 38584

Re: How much you lost/gain since Feb 20,2020 ?

watchnerd wrote: Tue Mar 17, 2020 4:59 pm
chrisjul wrote: Tue Mar 17, 2020 3:35 pm Down $20k.

I did market time and lighten up when the virus got out of hand in China. Only 6% in market when it crashed.

I know the Vanguard crowd will smite me for "market timing", but it seemed pretty obvious that the world was in for a tough time.
Getting out is easy.

When are you getting back in?

When the virus peaks. The market is down over 9,000 points since I sold.....lots or room for error to get back in.
by chrisjul
Tue Mar 17, 2020 3:35 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 38584

Re: How much you lost/gain since Feb 20,2020 ?

Down $20k.

I did market time and lighten up when the virus got out of hand in China. Only 6% in market when it crashed.

I know the Vanguard crowd will smite me for "market timing", but it seemed pretty obvious that the world was in for a tough time.
by chrisjul
Sat Mar 14, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 4079

Re: Fly or Drive to FL?

Silk McCue wrote: Sat Mar 14, 2020 7:37 am
chrisjul wrote: Fri Mar 13, 2020 12:28 pm Cancel the trip. The virus is widespread here ......just can't test due to lack of testing kits. Governor called out Natl Guard.

Stay home
What are you talking about. The virus is NOT widespread here. Calling up the Natl Guard sounds ominous but it certainly isn't. It is just a prudent measure to provide assistance where needed.

Cheers
Someone died 15 miles from me. Many undocumented cases....can't document due to lack of testing kits. What are YOU talking about?
by chrisjul
Fri Mar 13, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Reacts to Stock Market Crash
Replies: 93
Views: 17373

Re: Dave Ramsey Reacts to Stock Market Crash

prairieman wrote: Tue Mar 10, 2020 5:35 pm I tuned him out when he ranted against taxes but promoted 10% tithing to a church. If a person is poor and in debt (his audience) they are probably not paying much tax anyway and, well, ....
Agreed ...10% to a tax free organization .....ridiculous
by chrisjul
Fri Mar 13, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 4079

Re: Fly or Drive to FL?

Cancel the trip. The virus is widespread here ......just can't test due to lack of testing kits. Governor called out Natl Guard.

Stay home
by chrisjul
Tue Mar 10, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: What USPS “Snail Mail” Option Do You Recommend for Tax Return?
Replies: 57
Views: 3907

Re: What USPS “Snail Mail” Option Do You Recommend for Tax Return?

samsoes wrote: Sun Mar 08, 2020 6:50 am Slap a stamp on the envelope, drop it in the mailbox, and then forget about it. Taxes done!
AGREE!
by chrisjul
Thu Mar 05, 2020 11:46 am
Forum: Personal Investments
Topic: Treasury Direct
Replies: 2
Views: 589

Treasury Direct

I track my I bonds on Treasury Direct.

Under the column "Interest Rate", exactly what does this number represent?

Is is current interest?, is the base interest included?
by chrisjul
Fri Feb 21, 2020 9:02 am
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 11903

Re: Has Vanguard deteriorated?

I've been with Vanguard for several decades and YES, customer service has deteriorated, particularly in the last few years.
by chrisjul
Sat Feb 15, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: I bought Consumer Reports lowest rated car...
Replies: 76
Views: 10225

Re: I bought Consumer Reports lowest rated car...

dsmclone wrote: Tue Feb 11, 2020 12:38 pm This is like a 70 year old saying "I smoked for 50 years and never got cancer". You took a risk and it paid off for you.

Also, it's not like CR was the only one saying that the 500 was junk. Mini Coopers, Fiat's, Land/Range Rover, etc. are pretty unanimously picked as being poor. Each have their own reasons and a poor Range Rover is going to be a lot more expensive to own than a poor 500.
Agree