Search found 19 matches

by rmdashrfsplat
Fri Apr 16, 2021 8:57 am
Forum: Personal Consumer Issues
Topic: Electric Toothbrush Replacement Recommendations?
Replies: 35
Views: 2011

Re: Electric Toothbrush Replacement Recommendations?

Sonicare two-packs on sale at Costco this month
by rmdashrfsplat
Mon Apr 12, 2021 11:07 am
Forum: Personal Finance (Not Investing)
Topic: House Building vs. Buying in this Market?
Replies: 21
Views: 2070

Re: House Building vs. Buying in this Market?

I would naively assume whatever someone else overpays for your current home can just be plowed into your overpayment on your new place and it's a potential wash. Or perhaps are you not selling your current home or is your local market less frothy?
by rmdashrfsplat
Sat Mar 27, 2021 10:05 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1212
Views: 207093

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

More random anecdotes. 2017 CR-V in Minnesota, subjected to short winter drives. Zero issues so far, but I am doing oil changes every 5k miles to make myself feel better. There are millions of these engines on the road racking up a lot of miles. All I've seen pan our from this kerfuffle so far is a ...
by rmdashrfsplat
Wed Mar 17, 2021 10:33 am
Forum: Personal Investments
Topic: TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?
Replies: 18
Views: 1481

Re: TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?

Update -- I had a long, quasi-helpful call with Fidelity today. I also did a tiny $100 test re-balance from a total bond mutual fund into the SRA a couple days ago. --From the Fidelity rep: -This is indeed liquid - the only caveat is I can only transfer investments out to 'non-competing" funds,...
by rmdashrfsplat
Mon Mar 15, 2021 9:56 am
Forum: Personal Investments
Topic: TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?
Replies: 18
Views: 1481

Re: TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?

Interesting thread on the UPenn lawsuit. FWIW, my plan administrator is Fidelity and it offers only a handful of TIAA funds, including SRA. Laziness/inertia led me to overlook SRA until now. You have a TIAA Traditional SRA as an investment option inside a Fidelity 403(b)? Are you sure you're not op...
by rmdashrfsplat
Sun Mar 14, 2021 7:45 pm
Forum: Personal Investments
Topic: TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?
Replies: 18
Views: 1481

Re: TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?

Since you said SRA, it is likely that it is the liquid version. Just make sure that it is indeed the fully liquid form of Trad Ann. The SRA is always liquid. There are six types of TIAA Traditional annuity. Here's a table that compares them: https://www.tiaa.org/public/pdf/understanding_your_new_re...
by rmdashrfsplat
Sun Mar 14, 2021 10:44 am
Forum: Personal Investments
Topic: TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?
Replies: 18
Views: 1481

TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?

I have always glossed over my 403(b)'s TIAA Traditional SRA offering since I was too lazy to research it, and the offering seemed opaque to me anyway. I was surprised to see it is still offering 3%, so I read through the sparse prospectus info I could find. From boglehead searches, it appears that t...
by rmdashrfsplat
Sun Mar 07, 2021 3:04 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 172
Views: 22772

Re: Oil change interval for low-mileage vehicles

Kagord wrote: Sun Mar 07, 2021 11:47 am I was hoping there would be some advice for what brand of oil is best, a neighbor said Supertech is the best one, but I can't seem to find it.
Walmart
by rmdashrfsplat
Fri Feb 12, 2021 1:28 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Ice Dams
Replies: 48
Views: 4666

Re: Getting Rid of Ice Dams

Lol, how do you get rid of the pantyhose? I must not be visualizing this right. You check the downspout in the spring. They tend to wash out. Or the birds grab them for their nests. Or maybe not pantyhose, maybe it is stockings? Whatever the 1 legged item is. Actually, what I might do tomorrow is t...
by rmdashrfsplat
Sat Feb 06, 2021 11:52 pm
Forum: Personal Consumer Issues
Topic: What's your Yearly Costco Spend?
Replies: 96
Views: 5473

Re: What's your Yearly Costco Spend?

costco.com cash card purchases through BOA preferred rewards. I also assume this is "only" 5.25% since cash card purchases don't get 2% executive reward. More details: https://www.bogleheads.org/forum/viewtopic.php?t=326063 Thanks, definitely something to look into. Right now we get 4% wi...
by rmdashrfsplat
Sat Feb 06, 2021 8:00 pm
Forum: Personal Consumer Issues
Topic: What's your Yearly Costco Spend?
Replies: 96
Views: 5473

Re: What's your Yearly Costco Spend?

It involves a common apples and oranges theme about Costco. Anti-Costco people thinking of it as a supermarket are more likely to claim 'we can beat their prices elsewhere' (as highly doubtful as even that claim is at least where we live and the supermarket items we buy), and by same token even pro...
by rmdashrfsplat
Sun Jan 31, 2021 11:52 am
Forum: Personal Investments
Topic: 403b’s, (non-gov) 457b and taxable – best mix
Replies: 6
Views: 491

Re: 403b’s, (non-gov) 457b and taxable – best mix

If you retire in the 12% tax bracket, and the 403(b) and 457(b) expenses are reasonable, they are better than a tax-free accounts; you deduct contributions at 22% federal tax, and withdraw at 12%. They are break-even if you need to withdraw enough to be in a 22% bracket. Meanwhile, the taxable acco...
by rmdashrfsplat
Sun Jan 31, 2021 10:07 am
Forum: Personal Investments
Topic: 403b’s, (non-gov) 457b and taxable – best mix
Replies: 6
Views: 491

403b’s, (non-gov) 457b and taxable – best mix

Apologies if this has already been asked and answered, but I didn’t see this variation in a search. I currently max out my 403b, his-and-hers Roth IRAs and a family HSA (cash flow expenses). I generally throw excess into a taxable account. Recently, my wife started working again and I became eligibl...
by rmdashrfsplat
Sat Jan 16, 2021 6:47 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1212
Views: 207093

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

Thank you for your feedback. Good to hear! Has anyone come across something unique on these models that has led to the problem (ex: part manufactured in a certain location, or a certain batch, etc)? None that I have heard of. It is likely part of the vehicle design. There are theories on CR-V messa...
by rmdashrfsplat
Thu Jan 14, 2021 2:00 pm
Forum: Personal Consumer Issues
Topic: HBO Max Issues?
Replies: 31
Views: 2547

Re: HBO Max Issues?

Just an anecdote but everything on my chromecast w google tv is rock solid, except for HBO Max, which will stutter/buffer for 10-15 seconds maybe once every 6 hours of viewing. These hiccups are very minor but only experienced in HBO Max.
by rmdashrfsplat
Tue Dec 29, 2020 3:51 pm
Forum: Personal Investments
Topic: Airbnb IPO offering for hosts - should I do it?
Replies: 77
Views: 7857

Re: Airbnb IPO offering for hosts - should I do it?

FWIW, I followed roughly the same plan as OP did with Lending Club's IPO. Bought into IPO at $15, sold 2/3 of my shares at roughly $25 shortly after the IPO and left the rest to ride. As of today, the remaining shares are down ~90%.

For every TSLA, there's 10 LCs.
by rmdashrfsplat
Sat Dec 26, 2020 5:27 pm
Forum: Personal Investments
Topic: VG is nagging about transitioning account
Replies: 195
Views: 17692

Re: VG is nagging about transitioning account

Am I the only idiot waiting (likely in vain) for Vanguard to throw a small inducement like a gift card to late adopters? At least thats how I'm rationalizing my procrastination.
by rmdashrfsplat
Thu Dec 17, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1212
Views: 207093

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

BeachPerson wrote: Thu Dec 17, 2020 1:44 pm Nice video by Scotty on the Honda oil problem.

Scotty on Honda's problem

Has anyone purchased a 2020 Honda CRV? If so, is the problem fixed?
Scotty: "Always put the right amount of oil in - 4.7 quarts." lol that is the wrong amount of oil