Search found 13380 matches

by Jack FFR1846
Wed Apr 14, 2021 12:34 pm
Forum: Personal Consumer Issues
Topic: 2021 Wrangler Rubicon unlimited
Replies: 22
Views: 1395

Re: 2021 Wrangler Rubicon unlimited

I just read that Bronco article. That is unacceptable and the hill they went up is powder puff in my opinion. Wranglers use an ancient transfer case with a chain drive front engagement. When locked in, there's nothing but gears, a chain and oil. No fancy AWD stuff. I don't know what the Sahara uses ...
by Jack FFR1846
Wed Apr 14, 2021 12:22 pm
Forum: Personal Consumer Issues
Topic: 2021 Wrangler Rubicon unlimited
Replies: 22
Views: 1395

Re: 2021 Wrangler Rubicon unlimited

I'm an enthusiastic offroader. My club is actually going out to clear back growth Saturday. I have a 14 Unlimited Sport. Upgrades include 2.5" lift, 295-70-17 Dick Cepek Extreme Terrain tires on stock alloys on 1.5" adapters. Skid plates on oil pan, transmission and gas tank. I've relocate...
by Jack FFR1846
Wed Apr 14, 2021 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 117
Views: 5380

Re: "Nobody's ever regretted paying off the mortgage."

I cite 2 guys often who are well known and have clear, outspoken, opposite opinions. Dave Ramsey: You're an idiot if you don't pay off your mortgage. It's just debt. Ric Edelman: You're an idiot to pay off your mortgage. You make more money in the market. Keep that low interest money invested. Perso...
by Jack FFR1846
Wed Apr 14, 2021 8:54 am
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 92
Views: 5043

Re: First child entering college in the fall... need some advice

You're getting no need based aid, so forget about that. For Robotics, both MIT and WPI are leaders. While taking a class at MIT, I watched the MITy mouse competitions. This was in the 80's and the small robots had to autonomously negotiate themselves through a maze. WPI started a formal robotics pro...
by Jack FFR1846
Wed Apr 14, 2021 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Selling a Time Share
Replies: 25
Views: 2099

Re: Selling a Time Share

It really depends where the time share is. My parents owned a dozen weeks at a resort in Aruba and after my dad passed, my mom asked both my sister and me if we wanted any of the weeks, which we didn't. She sold every week at a profit. I get that this is quite unusual. But if your friend has a week ...
by Jack FFR1846
Wed Apr 14, 2021 7:55 am
Forum: Personal Consumer Issues
Topic: C8 Corvette?
Replies: 21
Views: 1613

Re: C8 Corvette?

The lack of a manual and the fact that it is absolutely HUGE cross it off my list. The auto industry hasn't caught on yet that manual transmissions sell cars to enthusiasts. The R35 GT-R is a competition killer, but enthusiasts are awaiting the 25 year point to import R34's and are already paying ne...
by Jack FFR1846
Tue Apr 13, 2021 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle/Venmo/Cashapp?
Replies: 36
Views: 2843

Re: Zelle/Venmo/Cashapp?

One of my kids uses cash app to pay or get money from friends. There are discounts at some places for using it. The downside that I see is that a LOT of places don't accept it. My son is an authorized user on one of my credit cards and uses that for gas, fast food, convenience stores and food machin...
by Jack FFR1846
Tue Apr 13, 2021 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Medical Group wants me to be CFO -- advice?
Replies: 35
Views: 3436

Re: Medical Group wants me to be CFO -- advice?

From the CEO, I would want a clear job description. The fact that he's doing some tasks on his own time means nothing. If the task is impossible to do in normal working hours without hiring extra people (who are not allowed), then pass. Alternate: You put together what your job description will be, ...
by Jack FFR1846
Tue Apr 13, 2021 10:41 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 243
Views: 16654

Re: Insane to buy a sports car?

Absolutely do the driving schools. PCA runs them, you can do BMW CCA ones by joining the club (you don't have to own a BMW), SCCA runs schools and lots of scattered clubs do. I taught as a driving instructor with BMW, COM (local time trial club) and SCDA (private school) for a dozen years. In all of...
by Jack FFR1846
Tue Apr 13, 2021 10:25 am
Forum: Personal Consumer Issues
Topic: 10+ year old used cars?
Replies: 48
Views: 2712

Re: 10+ year old used cars?

Depends on the car and your ability to perform repairs yourself. When my older son started driving, I bought a 25 year old Honda CRX that was completely stock with just under 100k miles. While owning it, I replaced the alternator. Kept it about a year and sold it for exactly what I bought it for aft...
by Jack FFR1846
Tue Apr 13, 2021 6:30 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 243
Views: 16654

Re: Insane to buy a sports car?

Cayman GTS? The H6 is certainly nice. I drove a base Cayman last week and crossed it off my list of "want to buy" cars. I'm sure the GTS is much better. Too big for me. You need to drive the GTS. The experience is vastly different from base to GTS. What other cars are on your list if a Ca...
by Jack FFR1846
Tue Apr 13, 2021 6:02 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 70
Views: 5383

Re: Best 4 wheel drive vehicle

Subaru Outback with a 2" lift kit or Subaru Ascent. This is the way. That's actually a reasonable suggestion. The 2" lift increases ground clearance to 10.7" (more than a Wrangler stock) and adding larger tires adds even more. I assume the wheel wells will accommodate tires that add ...
by Jack FFR1846
Mon Apr 12, 2021 4:01 pm
Forum: Personal Consumer Issues
Topic: bank check images, and mobile deposits and ACH ?
Replies: 7
Views: 593

Re: bank check images, and mobile deposits and ACH ?

Switch to DCU. I can see front and back of every check I've ever written. Well, as far back as I have needed to go, anyways. I've been there since about 1980.
by Jack FFR1846
Mon Apr 12, 2021 3:47 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 7759

Re: Mixing Bogle and Ramsey to build my portfolio

Keep in mind that Jack Bogle had extensive finance education and experience. He was a true expert in the field and a true innovator. Dave Ramsey screwed up and went broke a bunch of times, then didn't and decided he was an expert on not going broke. While he does have SOME good advice for people who...
by Jack FFR1846
Mon Apr 12, 2021 3:30 pm
Forum: Personal Investments
Topic: Annuity statement. Not sure how this works?
Replies: 27
Views: 1573

Re: Annuity statement. Not sure how this works?

I am not an expert, but just helped my mom, who 1035'd a fixed annuity into an existing variable annuity. One feature that her annuity had was a sales load on exit which was not in place because both annuities were over 10 years old. If that were not the case, the entire value of the annuity would h...
by Jack FFR1846
Mon Apr 12, 2021 6:03 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 70
Views: 5383

Re: Best 4 wheel drive vehicle

This depends greatly on where you plan to drive and how difficult the terrain. I'm an avid offroader and have a typical Wrangler with big, offroad tires, a lifted suspension, rock rails (protects the sides of the body from the rocks), skid plates over the things under the Jeep that I don't want pier...
by Jack FFR1846
Sun Apr 11, 2021 11:23 am
Forum: Personal Consumer Issues
Topic: USPS Delivery issues
Replies: 35
Views: 2511

Re: USPS Delivery issues

I would tend to send mail first class. The post office knows how to deliver first class. If you're going to send certified, is the postman going to be looking for a signature? Is there anyone at the TSP office to give a signature? If you send 2 copies, one first class, one certified, there's a good ...
by Jack FFR1846
Fri Apr 09, 2021 8:53 am
Forum: Personal Consumer Issues
Topic: Family car
Replies: 86
Views: 6681

Re: Family car

dukeblue219 wrote: Wed Mar 31, 2021 12:33 pm BHers allegedly haul more 4x8 plywood and drywall than any other car buyers I've ever met :D
I easily brought home half a dozen 16 foot 2x4's with my Crosstrek. I put my kayak rack on the factory crossbars and used a couple ratchet straps to tie the wood down. Worked great.
by Jack FFR1846
Fri Apr 09, 2021 8:42 am
Forum: Personal Consumer Issues
Topic: Airline Miles - how to use?
Replies: 27
Views: 1787

Re: Arline Miles - how to use?

I gave up on freebie flights decades ago. Too many restrictions, especially when 4 of us want to go together. What we've done is bought the coach tickets and used miles to upgrade to first class.
by Jack FFR1846
Fri Apr 09, 2021 8:14 am
Forum: Personal Consumer Issues
Topic: fan trips GFCI; can I plug into surge protector?
Replies: 22
Views: 1373

Re: fan trips GFCI; can I plug into surge protector?

How was it installed? DIY? Handy Man? If someone connected neutral and ground at the fan, the wires will share the return current, which is sensed as a difference between hot and ground and trip the breaker.
by Jack FFR1846
Thu Apr 08, 2021 9:20 am
Forum: Personal Investments
Topic: Down Payment / We May Never Buy - About to Surrender "Toxic" VUL
Replies: 4
Views: 635

Re: Down Payment / We May Never Buy - About to Surrender "Toxic" VUL

The insurance portion of a VUL or UL is typically the worst of the worst deals. It is re-evaluated annually as if you're Joe Smith off the street. Because of this, as the policy gets older, the cash value starts going down with an eventual zero'ing out of both death benefit and cash value.
by Jack FFR1846
Wed Apr 07, 2021 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to determine value and sell old coins, currency
Replies: 11
Views: 1035

Re: Best way to determine value and sell old coins, currency

All Canadian pennies are 95% copper, like pre 82 US pennies. My scrap/coin dealer buys them for copper content. If these are poor condition, circulated coins, the dimes, quarters, dollars are likely all "junk silver" and the value is really easy to find. I've sold my silver coins over the ...
by Jack FFR1846
Wed Apr 07, 2021 10:53 am
Forum: Personal Consumer Issues
Topic: Shoe Choice for a Walker
Replies: 33
Views: 2677

Re: Shoe Choice for a Walker

Find your local podiatrist's office. Ask them who they use for shoes. Go there. Spend more than you can find online, but get a correct fit for what you're doing. I did this after having an issue with one foot. They took 45 minutes to fit me correctly and have me try on and walk (observed) in each on...
by Jack FFR1846
Wed Apr 07, 2021 10:31 am
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3082

Re: Should I replace 2 or 4 tires?

Only thing I would add is that if you buy four - consider selling your four used tires on craigslist. I’ve done that twice before and gotten an easy $160 for four used tires. I took pics w the penny in tread so the buyer knew what they were buying. There seems to be a market for used tires. (I don’...
by Jack FFR1846
Wed Apr 07, 2021 10:24 am
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6262

Re: How much cash do you really hold?

Putting the money in buckets, saying "this $50k is emergency fund, this $10k is vacation fund, this $5k is cash for everyday stuff" is not really separate stuff. In this example, you have $65k in cash. I also consider my $395k of paper savings bonds to be cash because I know first hand tha...
by Jack FFR1846
Wed Apr 07, 2021 7:07 am
Forum: Personal Consumer Issues
Topic: The best $10,000 to $15,000 vehicle.
Replies: 42
Views: 3277

Re: The best $10,000 to $15,000 vehicle.

$15k would buy a brand new Honda FIT. Or a slightly used Civic LX. What's important to you besides reliability and fuel mileage? Heck...a Mazda Miata fits the mpg and reliability requirements. A newer NB with low mileage fits your budget easily.
by Jack FFR1846
Wed Apr 07, 2021 6:47 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 243
Views: 16654

Re: Insane to buy a sports car?

Cayman GTS? The H6 is certainly nice. I drove a base Cayman last week and crossed it off my list of "want to buy" cars. I'm sure the GTS is much better. Too big for me.
by Jack FFR1846
Wed Apr 07, 2021 6:38 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3654

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Those tires are certainly not the rubber band tires on quite a few cars. The Cayman I test drove last week had 20" wheels. Even my son's Subaru STi has shorter sidewall tires than you've got, by a lot. The dealer *may* have suggestions. Certainly won't hurt to bring it in and ask. I doubt you'r...
by Jack FFR1846
Tue Apr 06, 2021 5:41 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3654

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

If nothing else, I'd go to the Tire Rack reviews section for tires that will fit your Macan. Find the quietest tires of the lot and buy them. You can either sell the tires that come off or save them for later if you need tires when you're going to get rid of it.
by Jack FFR1846
Tue Apr 06, 2021 5:33 pm
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3082

Re: Should I replace 2 or 4 tires?

Put the 2 5's in the front. When the 3 gets to 2, replace it. When the 4 gets to 2, replace it. At that point, rotate the 2 newer back ones to the front. When the now-rears (both started at 5) get to 2, replace them.

This will maximize how many miles you get out of the tires.
by Jack FFR1846
Tue Apr 06, 2021 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Too early to retire?
Replies: 53
Views: 6853

Re: Too early to retire?

I think you're in reasonably good shape. Let me break down the good and bad I see: good About 25X spending saved not counting SS SS of some sort will come 529 pretty well funded for in state public college (maybe a little light) Your state has GREAT state public colleges. Virginia Tech and that Boar...
by Jack FFR1846
Tue Apr 06, 2021 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: What is the expected percentage (raise) for a manager position?
Replies: 24
Views: 2270

Re: What is the expected percentage (raise) for a manager position?

This is completely company specific. I've worked for tech companies all my career and was offered management positions twice (which I declined to stay a tech guy). In both cases, they made it clear that moving from Principal Engineer to Manager was a lateral move and no raise would accompany it. Ano...
by Jack FFR1846
Tue Apr 06, 2021 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Anyways to improve financial aid?
Replies: 70
Views: 3668

Re: Anyways to improve financial aid?

This depends what college we're talking about. If the college has a crew team (rowing) and the high school has a crew team, get him on that team. It's the easiest way to get a money scholarship. I am not saying crew is an easy sport. I had 2 room mates in college on crew and they were up at 4 to get...
by Jack FFR1846
Mon Apr 05, 2021 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Stretched for Retirement, wondering about some current “needs”
Replies: 9
Views: 1406

Re: Stretched for Retirement, wondering about some current “needs”

Have you considered a less expensive option? A portable 5500 VA generator will cost something like $700 (what I paid). It will power everything you've talked about and quite a bit more. Downside is that it's loud and you do have to gas it up. For 3 days a year, it should be more than adequate. An el...
by Jack FFR1846
Mon Apr 05, 2021 11:46 am
Forum: Personal Investments
Topic: Northwestern Mutual Refugee
Replies: 19
Views: 1343

Re: Northwestern Mutual Refugee

The fees on your front loaded garbage funds are still high compared with anything within a reasonable 3 fund portfolio. The fact that you already dumped a wheelbarrow full of cash into NWM's coffers doesn't justify continuing to dump un-necessary fees there. Get out. All the way out.
by Jack FFR1846
Mon Apr 05, 2021 8:05 am
Forum: Personal Investments
Topic: Gold and Silver Questions?
Replies: 44
Views: 3247

Re: Gold and Silver Questions?

Recent silver prices are way down. About a dollar and a half an ounce since last month. The thing to have done with silver is seen the big runup and sold. I did exactly this, selling everything I had remaining from my disasters of buys over the last 8 years. The thing with silver compared to gold is...
by Jack FFR1846
Mon Apr 05, 2021 7:55 am
Forum: Personal Investments
Topic: Financial advisor advice
Replies: 9
Views: 1298

Re: Financial advisor advice

I'm sorry, but unless you have an incredibly complex group of LLCs, trusts and obligations, you are getting absolutely hosed. The initial charge seems fine but going through an AUM company to invest at Fidelity? Why? Just invest yourself at Fidelity. A 3 fund there is as simple as can be with zero f...
by Jack FFR1846
Mon Apr 05, 2021 6:48 am
Forum: Personal Consumer Issues
Topic: My Next Car: Tesla S vs BMW 540iX
Replies: 25
Views: 2921

Re: My Next Car: Tesla S vs BMW 540iX

2) Since you are a driving enthusiast, you might want to consider the Porche Taycan. A rear-wheel drive base model is now available for around the same price point as the Model S. An all wheel drive version is available but comes at a much higher price. It is a truly amazing car. It is an EV and a ...
by Jack FFR1846
Mon Apr 05, 2021 6:31 am
Forum: Personal Investments
Topic: AA for someone 2 years from retirement
Replies: 47
Views: 4759

Re: AA for someone 2 years from retirement

I'll be retiring this year...once Covid is at bay. I'm at 50/50 and have just about $100k in cash in anticipation of buying a stupid car when I call it quits. I have over 50 times spending already. The reason for 50/50 is that I've realized that I have won the game, so I don't need anything overly r...
by Jack FFR1846
Mon Apr 05, 2021 6:25 am
Forum: Personal Consumer Issues
Topic: Too many Costco returns?
Replies: 7
Views: 2452

Re: Too many Costco returns?

Costco will change the rules for blatant abuse. A co-worker of mine is a projection TV nut and must have the latest projector. He would buy one at Costco and as soon as the next, updated version came out, he'd pack up the one he had, return it and buy the latest version. Because these things were up...
by Jack FFR1846
Sun Apr 04, 2021 7:28 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 172
Views: 22659

Re: Oil change interval for low-mileage vehicles

I first starting using synthetic oil around 1975. There were articles about synthetic (Mobil 1) being tested in Taxi's and Police vehicles. They ran the vehicles for a 100K miles. The oil was tested and was still good, so they put the used oil Back In the cars and continued to drive them and re-tes...
by Jack FFR1846
Sun Apr 04, 2021 10:25 am
Forum: Personal Consumer Issues
Topic: Repair or Replace 2003 Toyota Corolla
Replies: 67
Views: 5622

Re: Repair or Replace 2003 Toyota Corolla

Something to consider: Just replace the serpentine belt. If it's really old and slipping on the alternator pulley, the alternator could be perfectly fine, but not charge as well. I don't know if this is the case with your car....just something that can be considered.
by Jack FFR1846
Sun Apr 04, 2021 10:11 am
Forum: Personal Consumer Issues
Topic: "V" Rated Tired vs "H" Rated Tire
Replies: 12
Views: 940

Re: "V" Rated Tired vs "H" Rated Tire

In general, V rated tires will have a stiffer sidewall and softer compound. These help make crisper turns and higher lateral grip in corners. Why they put tires like this on your truck is beyond me. H rated tires will feel different for handling. I would imagine that they also will last longer. I've...
by Jack FFR1846
Sun Apr 04, 2021 6:44 am
Forum: Personal Consumer Issues
Topic: Repair or Replace 2003 Toyota Corolla
Replies: 67
Views: 5622

Re: Repair or Replace 2003 Toyota Corolla

For a car like this, I'd recommend not comparing the cost to repair to what the car will be worth, but instead, compare the cost to repair with the cost of a new car. This is way cheaper than even a 50k mile used Corolla. Things that make sense: Alternator and serpentine belt. If the alternator need...
by Jack FFR1846
Sat Apr 03, 2021 2:12 pm
Forum: Personal Consumer Issues
Topic: Uber ride — how to be sure windows will open?
Replies: 17
Views: 1917

Re: Uber ride — how to be sure windows will open?

I recently ordered an Uber only to learn that the backseat windows did not open. I think they were not designed to open, it wasn’t that they were not working. I cannot think of a normal 4-door car with no window controls but possible I guess. Just contact the driver from the app once they accept th...
by Jack FFR1846
Sat Apr 03, 2021 6:09 am
Forum: Personal Consumer Issues
Topic: Would you give money to close friends to live in same neighborhood?
Replies: 45
Views: 2944

Re: Would you give money to close friends to live in same neighborhood?

If you help them buy a house out of their price range, are you then going to pay the increased insurance cost? Increased property tax cost? HOA extortion money?
by Jack FFR1846
Sat Apr 03, 2021 6:07 am
Forum: Personal Consumer Issues
Topic: AWD vs 2WD in up state new york
Replies: 53
Views: 3305

Re: AWD vs 2WD in up state new york

I'm a bit east of you in Massachusetts. For several years, I drove a Ford Fusion on 4 snows. It was garbage and during heavy snow, I did get stuck or nearly go off the side street mainly because of the low ground clearance. I came away realizing that I could have a million wheel drive, but if snow i...
by Jack FFR1846
Fri Apr 02, 2021 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for more Merit aid? College decision day 5/1
Replies: 33
Views: 1732

Re: Asking for more Merit aid? College decision day 5/1

Be very careful with the strategy to go 2 years to El Cheapo college, then transfer to Wicked Good College. Several things can bite you: 1: Kiss all merit aid goodbye. If Wicked Good College offered only $1k vs El Cheapo giving you $20k, expect Wicked Good to offer zip on transfer. 2: Courses are ab...
by Jack FFR1846
Fri Apr 02, 2021 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for Reducing Taxes for High Overtime Employees?
Replies: 4
Views: 328

Re: Strategy for Reducing Taxes for High Overtime Employees?

Keep in mind that it's not your taxes that are skyrocketing with 120 hour time and a half weeks. It's your with holding. Maybe in a week, your income pushes you into the 32% bracket. This happens because your with holding is based on your week times 52, not what your average pay is. So one week you ...