Search found 549 matches

by Dave76
Mon Nov 05, 2012 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off-Health Insurance Needed
Replies: 83
Views: 5421

Re: Laid off-Health Insurance Needed

I have Blue Cross Tradition Plus. It's an emergency-only type of insurance. I pay $163 per month. I've never had to use it, so I'm not sure how good it is. No deductible, and I think I can cancel it at any time.
by Dave76
Sat Nov 03, 2012 8:56 pm
Forum: Personal Consumer Issues
Topic: Most reliable used vehicles?
Replies: 50
Views: 7510

Re: Most reliable used vehicles?

pinebarrens1 wrote:
Chrysler K cars -- 1981 -- 1989


are you kidding? turn on the lights and the windshield wipers come on...


My '87 K car is more dependable than my '12 Hyundai Elantra.
by Dave76
Sat Nov 03, 2012 4:44 pm
Forum: Personal Consumer Issues
Topic: Most reliable used vehicles?
Replies: 50
Views: 7510

Re: Most reliable used vehicles?

Ford Crown Victoria/Mercury Grand Marquis. Taxi fleets get 500K miles out of them.
by Dave76
Sat Oct 20, 2012 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need insurance?
Replies: 6
Views: 804

Re: Do I need insurance?

I think the US has reciprocal agreements with some countries on emergency medical care. It's probably listed somewhere on the internet.
by Dave76
Thu Oct 18, 2012 10:20 am
Forum: Personal Consumer Issues
Topic: Honda Civic as a family car
Replies: 57
Views: 8727

Re: Honda Civic as a family car

I hated shoulder restraints when I was a kid.
by Dave76
Wed Oct 17, 2012 2:00 am
Forum: Personal Consumer Issues
Topic: Honda Civic as a family car
Replies: 57
Views: 8727

Re: Honda Civic as a family car

Then it's a good time to buy.
by Dave76
Wed Oct 17, 2012 1:55 am
Forum: Personal Consumer Issues
Topic: What's the Current Estimate of the Liberal Arts?
Replies: 23
Views: 1760

Re: What's the Current Estimate of the Liberal Arts?

As I have gone along in life I have come to realize that I and people like me, who know the sciences, can read anything we want and communicate about it, be it art, music, literature, etc. Many of us read an awful lot. This is only true for older generations. The literary pursuits of today's natura...
by Dave76
Wed Oct 17, 2012 12:41 am
Forum: Personal Consumer Issues
Topic: Honda Civic as a family car
Replies: 57
Views: 8727

Re: Honda Civic as a family car

Mudpuppy wrote:
Dave76 wrote:The Elantra Touring is probably what he's looking for.

That model is no longer being made. It was replaced by the much smaller Elantra GT hatchback with the 2013 model year.


New ones are on dealer lots.
by Dave76
Tue Oct 16, 2012 7:55 pm
Forum: Personal Consumer Issues
Topic: Honda Civic as a family car
Replies: 57
Views: 8727

Re: Honda Civic as a family car

The Elantra Touring is probably what he's looking for.
by Dave76
Tue Oct 16, 2012 6:08 pm
Forum: Personal Consumer Issues
Topic: Honda Civic as a family car
Replies: 57
Views: 8727

Re: Honda Civic as a family car

A car with a bench seat would allow you to place the child up front, between you and your spouse. I think the Chevy Impala has a bench seat. Absolutely not. We actually own a 2005 Impala with a bench seat, and not only is the front extremely dangerous for children (why not use the backseat if you h...
by Dave76
Mon Oct 15, 2012 4:47 pm
Forum: Personal Consumer Issues
Topic: Honda Civic as a family car
Replies: 57
Views: 8727

Re: Honda Civic as a family car

The last I heard that children under 14 are supposed to sit in the back. That's the silliest thing I've ever heard. While I didn't make it up it was/is an american academy of pediatrics research based recommendation. m I am pretty sure that if you looked in an Impala there is also a big warning sti...
by Dave76
Mon Oct 15, 2012 4:32 pm
Forum: Personal Consumer Issues
Topic: Honda Civic as a family car
Replies: 57
Views: 8727

Re: Honda Civic as a family car

A car with a bench seat would allow you to place the child up front, between you and your spouse. I think the Chevy Impala has a bench seat. This would be illegal in California. There's an exception if you don't have rear seats, or if all of your rear seats are filled with children under the age of...
by Dave76
Sun Oct 14, 2012 5:38 pm
Forum: Personal Consumer Issues
Topic: Honda Civic as a family car
Replies: 57
Views: 8727

Re: Honda Civic as a family car

ClevrChico wrote:
Dave76 wrote:
mnnice wrote:
The last I heard that children under 14 are supposed to sit in the back.


That's the silliest thing I've ever heard.


I was driving at 14!


See? :)

Hyundai Elantra Touring (little wagon) is roomy and competitively priced. You can get one for under $17k.

http://www.truecar.com/prices-new/hyund ... g-pricing/
by Dave76
Sun Oct 14, 2012 5:23 pm
Forum: Personal Consumer Issues
Topic: Honda Civic as a family car
Replies: 57
Views: 8727

Re: Honda Civic as a family car

mnnice wrote:
The last I heard that children under 14 are supposed to sit in the back.


That's the silliest thing I've ever heard.
by Dave76
Sun Oct 14, 2012 5:22 pm
Forum: Personal Consumer Issues
Topic: Honda Civic as a family car
Replies: 57
Views: 8727

Re: Honda Civic as a family car

A car with a bench seat would allow you to place the child up front, between you and your spouse. I think the Chevy Impala has a bench seat. This is a horrible idea. It is very dangerous to have a child in rear facing child seat sitting in the front because if the air bag was to be deployed it push...
by Dave76
Sat Oct 13, 2012 7:54 pm
Forum: Personal Consumer Issues
Topic: Honda Civic as a family car
Replies: 57
Views: 8727

Re: Honda Civic as a family car

A car with a bench seat would allow you to place the child up front, between you and your spouse. I think the Chevy Impala has a bench seat.
by Dave76
Fri Oct 12, 2012 10:27 am
Forum: Personal Finance (Not Investing)
Topic: HELOC/College Financing Question
Replies: 25
Views: 2107

Re: HELOC/College Financing Question

Neither son would even apply anywhere else, even when we asked them to. Why choose another state university? The parents of the students sitting next to your sons are paying a fraction of the cost! It makes no sense to do that. Your boys are looking out for your best interests. Be proud of them. Va...
by Dave76
Thu Oct 11, 2012 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC/College Financing Question
Replies: 25
Views: 2107

Re: HELOC/College Financing Question

Neither son would even apply anywhere else, even when we asked them to. Why choose another state university? The parents of the students sitting next to your sons are paying a fraction of the cost! It makes no sense to do that. Your boys are looking out for your best interests. Be proud of them. Va...
by Dave76
Thu Oct 11, 2012 6:55 pm
Forum: Investing - Theory, News & General
Topic: Indexes Beat Active Funds Again in S&P Study
Replies: 15
Views: 2074

Re: Indexes Beat Active Funds Again in S&P Study

Rick Ferri wrote:
Dave76 wrote:
I thought active management made sense for EM.


More than 84% of emerging market funds underperformed the EM index over the 5 year period according to the report.

Rick Ferri


Can't a stronger case be made for active management for the less efficient EM?
by Dave76
Thu Oct 11, 2012 3:50 pm
Forum: Investing - Theory, News & General
Topic: Indexes Beat Active Funds Again in S&P Study
Replies: 15
Views: 2074

Re: Indexes Beat Active Funds Again in S&P Study

Rick Ferri wrote: ...This does not mean active management is a better alternative in the international sector.

Rick Ferri


I thought active management made sense for EM.
by Dave76
Wed Oct 10, 2012 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC/College Financing Question
Replies: 25
Views: 2107

Re: HELOC/College Financing Question

I'm with drdrowsy.

$35k-$40k per year is crazy. I lived at home and commuted to a good state school. My Clinton-era tuition was $3400/year. Even today, you shouldn't have to pay more than $6k/year. Paying over $50k for an undergraduate education is not the most sensible thing to do.
by Dave76
Sun Oct 07, 2012 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medical specialty, longer residencies worth it?
Replies: 55
Views: 9069

Re: Medical specialty, longer residencies worth it?

Some specialties actually have considerably better lifestyles than primary care (particularly certain surgical sub specialties). I am not in the health care field, so I have no knowledge. However, it is my assumption that some specialties pay better because of the risk, complexity and malpractice l...
by Dave76
Thu Oct 04, 2012 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: facing unemployment--need investment advice
Replies: 18
Views: 1898

Re: facing unemployment--need investment advice

If I were you, AA would be the least of my worries. It would probably be best for the children to attend college while living at home with their mother. The youngest one might want to consider a local community college. If they love you, and are not self-centered and selfish, they might understand.
by Dave76
Tue Oct 02, 2012 10:27 pm
Forum: Personal Consumer Issues
Topic: Used pickup truck advice
Replies: 17
Views: 1609

Re: Used pickup truck advice

I'd look at the Ford Ranger, Dodge Dakota and Honda Ridgeline.

Edit: Maybe you'll want something bigger for hauling lumber.
by Dave76
Mon Sep 24, 2012 7:29 pm
Forum: Personal Consumer Issues
Topic: Average Age of Bogleheads Posters
Replies: 77
Views: 7982

Re: Average Age of Bogleheads Posters

OK, I'm an old dude of 78 but I get the feeling that most of the posters, particularly on Personal Consumer Issues are in their 20's and 30's. Hi Lon: I am 88 and enjoying a comfortable retirement--thanks to Jack Bogle. Best wishes. Taylor Wow... Eating from the Automat machines during the Depressi...
by Dave76
Mon Sep 24, 2012 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Age 37 Portfolio help
Replies: 5
Views: 1041

Re: Age 37 Portfolio help

ned wrote:
4. Or may be is better stick to 4 fund portfolio:

40% VTSMX
10% VGTSX
30% VBMFX
20% VWELX



Most on here will recommend more international.
by Dave76
Sun Sep 23, 2012 2:20 pm
Forum: Personal Consumer Issues
Topic: Chevy Cruze
Replies: 57
Views: 4052

Re: Chevy Cruze

Valuethinker wrote:
So as US carmakers are strengthening their 'cars' (as opposed to light trucks and SUVs) offer they naturally turned to their European design studios.


Cadillac is going through an identity crisis. They think they're BMW. I'm not impressed with the designs. Every model in the lineup is hideous.
by Dave76
Sun Sep 23, 2012 2:12 pm
Forum: Personal Consumer Issues
Topic: Chevy Cruze
Replies: 57
Views: 4052

Re: Chevy Cruze

I believe these cars will last. Keep in mind the Cruze isn't just a remake of the Cobalt/Cavalier. This was designed from the ground up by GM with input from Opel, a GM owned car manufacturer based in Germany. And for those of you who remember Opel branded vehicles in the USA, they really have gott...
by Dave76
Sat Sep 22, 2012 1:22 am
Forum: Personal Consumer Issues
Topic: Smith & wesson Model 29 - S&W Classics - 6 1/2"
Replies: 55
Views: 5843

Re: Smith & wesson Model 29 - S&W Classics - 6 1/2"

MP-25. I've seen them in films.
by Dave76
Sat Sep 22, 2012 12:41 am
Forum: Personal Consumer Issues
Topic: I don't get the iphone hype
Replies: 56
Views: 3743

Re: I don't get the iphone hype

They both make calls, and they both allow me to check my email - very slowly and clunkily on a tiny screen that I hate looking at. Yeah. I can't believe people actually watch Star Wars on these things. I wouldn't buy one because it would be underutilized. And computers, whether in phone form or des...
by Dave76
Thu Sep 20, 2012 6:28 pm
Forum: Personal Consumer Issues
Topic: Chevy Cruze
Replies: 57
Views: 4052

Re: Chevy Cruze

For me, the problem is that most automatics leave me with a feeling of detachment from the driving experience. -janet Every breakthrough in automotive technology has caused this. Today's cars have the numb-feeling electric power steering. Power steering and power brakes are not even necessary on sm...
by Dave76
Thu Sep 20, 2012 6:06 pm
Forum: Personal Consumer Issues
Topic: Chevy Cruze
Replies: 57
Views: 4052

Re: Chevy Cruze

hazlitt777 wrote:
Also, there is a base line 6 speed manual. Any thoughts about a manual in comparison to an automatic, both for mileage and durability.

Thanks


6 speeds? That's a lot of shifting.

I think it's best to buy a car that has been in production for at least two years.
by Dave76
Tue Sep 18, 2012 4:14 pm
Forum: Personal Consumer Issues
Topic: Best Used Commuter Car Under $14,000 - Snow/Long Commutes
Replies: 27
Views: 5500

Re: Best Used Commuter Car Under $14,000 - Snow/Long Commute

You could buy a clunker for around $1,000 and use the other 7 grand to pay down the student loan. That's what I did a couple of years ago and it worked out well. I put 15k miles on that $900 clunker. All it needed was a little brake work.

You could also buy an '07 or '08 Corolla for around $8k.
by Dave76
Sat Sep 15, 2012 11:48 am
Forum: Personal Consumer Issues
Topic: Why do people [Why Would I] live in expensive places?
Replies: 51
Views: 3273

Re: Why do people [Why Would I] live in expensive places?

I've been lighting up the forums lately with my bizarre, possibly thought-provoking and hopefully interesting questions and ideas. Here's another one: why do people live in expensive places when there are cheaper places that can work just as well? That's like asking why people would eat crab cakes ...
by Dave76
Sat Sep 15, 2012 11:44 am
Forum: Personal Consumer Issues
Topic: Why do people [Why Would I] live in expensive places?
Replies: 51
Views: 3273

Re: Why do people [Why Would I] live in expensive places?

I live in one of the most expensive cities in the country. But I never want to leave. Why? Proximity to all of this awesome stuff. Friends, family, museums, hiking, restaurants, bars, shopping, etc etc etc. If I walk 10 minutes in any direction from my apartment and I will have crossed several outs...
by Dave76
Sat Sep 15, 2012 10:12 am
Forum: Personal Consumer Issues
Topic: Why do people [Why Would I] live in expensive places?
Replies: 51
Views: 3273

Re: Why do people [Why Would I] live in expensive places?

I've been lighting up the forums lately with my bizarre, possibly thought-provoking and hopefully interesting questions and ideas. Here's another one: why do people live in expensive places when there are cheaper places that can work just as well? That's like asking why people would eat crab cakes ...
by Dave76
Fri Sep 14, 2012 9:33 pm
Forum: Personal Consumer Issues
Topic: Opinons on buying a car from a rental company such as Hertz?
Replies: 33
Views: 3280

Re: Opinons on buying a car from a rental company such as He

I've worked for three rental car companies, driving cars to where they're needed. Many of these cars are driven hard. Employees and customers abuse them. The customers don't care where they park them. And I found all kinds of things in them -- drugs, syringes, used condoms, a rabbit's paw... You na...
by Dave76
Fri Sep 14, 2012 9:10 pm
Forum: Personal Consumer Issues
Topic: Opinons on buying a car from a rental company such as Hertz?
Replies: 33
Views: 3280

Re: Opinons on buying a car from a rental company such as He

Rental car companies routinely turn in cars to dealer only auctions such as Mannheim (nation wide locations). Many of these end up on used cars lots after some reconditioning. Rental car companies also sell direct to the public. It's a crapshoot. Whatever you plan to buy, get it checked out first. ...
by Dave76
Fri Sep 14, 2012 8:59 pm
Forum: Personal Consumer Issues
Topic: Opinons on buying a car from a rental company such as Hertz?
Replies: 33
Views: 3280

Re: Opinons on buying a car from a rental company such as He

I've worked for three rental car companies, driving cars to where they're needed. Many of these cars are driven hard. Employees and customers abuse them. The customers don't care where they park them. And I found all kinds of things in them -- drugs, syringes, used condoms, a rabbit's paw... You nam...
by Dave76
Tue Sep 11, 2012 8:04 pm
Forum: Personal Consumer Issues
Topic: GM Volt
Replies: 208
Views: 17868

Re: GM Volt

It's difficult to take seriously a comparison between an 84 Sprint and a Prius, but for what it is worth here is an article on the Sprint: m Personally I think the Volt is an interesting technology exercise. I wouldn't buy one myself, but they are interesting. The Toyota Prius is not impressive whe...
by Dave76
Tue Sep 11, 2012 7:59 pm
Forum: Personal Consumer Issues
Topic: GM Volt
Replies: 208
Views: 17868

Re: GM Volt

Those are the revised figures. I believe the Sprint was originally rated at 61 mpg highway. There have been two revisions to the EPA's fuel efficiency tests. The first was in the mid 1980s and the second in 2008. Both revisions have resulted in lower reported fuel efficiencies. The 61 mpg you are r...
by Dave76
Tue Sep 11, 2012 7:55 pm
Forum: Investing - Theory, News & General
Topic: Active vs Index
Replies: 26
Views: 2121

Re: Active vs Index

I've decided to hedge my bets, holding active and index at 50/50. I don't see why I should subscribe to just one investing orthodoxy. What you are really saying is, "I don't want the market return, I want a little more, or a little less." Then there's no significant difference (?) If so, ...
by Dave76
Tue Sep 11, 2012 7:06 pm
Forum: Investing - Theory, News & General
Topic: Active vs Index
Replies: 26
Views: 2121

Re: Active vs Index

I've decided to hedge my bets, holding active and index at 50/50. I don't see why I should subscribe to just one investing orthodoxy.
by Dave76
Tue Sep 11, 2012 6:53 pm
Forum: Personal Consumer Issues
Topic: GM Volt
Replies: 208
Views: 17868

Re: GM Volt

The Toyota Prius tries to serve the same function as a traditional gasoline car, and it succeeds. It's just a car, an ordinary car, that happens to get really good mileage, not just ad-bragging-marginally-better mileage. It's just a car with maybe 50% better gas mileage than comparable cars. It's h...
by Dave76
Tue Sep 11, 2012 6:08 pm
Forum: Personal Consumer Issues
Topic: GM Volt
Replies: 208
Views: 17868

Re: GM Volt

EDIT: Now I remember. You're also the fellow who was trying to tell me why an '86 Dodge Diplomat is a safer car then a current Malibu and the like. Because it feels like a heavy piece of steel. I know it's not you that made the statement, but anyone that thinks that "they don't build cars like...
by Dave76
Tue Sep 11, 2012 6:05 pm
Forum: Personal Consumer Issues
Topic: GM Volt
Replies: 208
Views: 17868

Re: GM Volt

And both your examples don't even crack 50 mpg city as the Prius does. They do. It's the Prius that does not. m At first I though you were just uninformed about the change in the EPA's MPG test in 2008, http://www.fueleconomy.gov/feg/calculatorCompareSideBySidePopUp.jsp?column=1&id=1730 ] Those...
by Dave76
Tue Sep 11, 2012 12:18 pm
Forum: Personal Consumer Issues
Topic: GM Volt
Replies: 208
Views: 17868

Re: GM Volt

sometimesinvestor wrote:I am pleased and know you all are that this thread has mostly avoided political issues/ problems


That's the irony of this forum. How can one talk about the markets and investing and not get political? :? Just sayin'.
by Dave76
Tue Sep 11, 2012 12:14 pm
Forum: Personal Consumer Issues
Topic: GM Volt
Replies: 208
Views: 17868

Re: GM Volt

The Toyota Prius tries to serve the same function as a traditional gasoline car, and it succeeds. It's just a car, an ordinary car, that happens to get really good mileage, not just ad-bragging-marginally-better mileage. It's just a car with maybe 50% better gas mileage than comparable cars. It's h...
by Dave76
Tue Sep 11, 2012 10:51 am
Forum: Personal Consumer Issues
Topic: GM Volt
Replies: 208
Views: 17868

Re: GM Volt

The Toyota Prius tries to serve the same function as a traditional gasoline car, and it succeeds. It's just a car, an ordinary car, that happens to get really good mileage, not just ad-bragging-marginally-better mileage. It's just a car with maybe 50% better gas mileage than comparable cars. It's h...
by Dave76
Tue Sep 11, 2012 9:18 am
Forum: Personal Consumer Issues
Topic: GM Volt
Replies: 208
Views: 17868

Re: GM Volt

If the Chinese can build the same type of car and sell it for $20k, why can't GM?

http://en.wikipedia.org/wiki/BYD_Auto