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October 16, 2013 at 8:26 AM in reply to: Any of you doing anything to your money market accounts just in case of a default? #766946
CoronitaParticipant[quote=jeff303][quote=SK in CV]Yes it does Jeff, but if I remember correctly, the apple warranty on their refurbished stuff is either 30 or 60 days. Double that, and you’re still looking at a very short warranty. I went looking for the same info when shopping for a refurbished ipad, and at least my conclusion was that it only covers manufacturers warranties (including refurbished stuff). It took a few phone calls, but eventually AMEX gave me that info. So it doesn’t apply to refurbished stuff by 3rd parties that include warranties.[/quote]
Thanks very much for the info. As it happens, I think the one I purchased (essentially this) does have a 1-year warranty, which would presumably be doubled.[/quote]
Lol. That’s exactly the same one I have that broke with the bad 1/2 side memory bank… LOL….
I’d try it with Amex anyway. I seriously doubt they would be figuring out whether it’s refurbished or not..
Worst comes to worse, if you’re just having a logic board problem and you go to the apple store, you’re out just $209 which isn’t that bad…October 15, 2013 at 4:38 PM in reply to: Any of you doing anything to your money market accounts just in case of a default? #766932CoronitaParticipantI’m more worried about liquidity than value loss.
I don’t think you would have a value loss over night.
But if an MM account is made up of significant exposure to treasuries, I’m wondering if that will affect the ability to withdraw…
I doubt it, but I’m also waiting on a short sales, and need liquidity. So I’m not taking chances….
I double checked one of my MM funds, and it had a 10% treasury exposure. The other one had a much lower 6% exposure….
Nothing would tick me off more than I need to close, and can’t take the money out because things are frozen and can’t close…
I hope I’m totally wrong about this because hopefully Congress get’s their frickin ass together. This is just beyond retarded…
CoronitaParticipant[quote=flu][quote=spdrun]Anything is negotiable — you could tell them to put it on Amex and that you’ll pay the additional spread. Might still be relatively cheap for a doubled warranty.[/quote]
That’s what I was thinking, about paying the stealership for the spred…BUT I would be more concerned about “exclusions” from Amex itself…[/quote]
Darn.. So I called again.
1… Motorized vehicles are excluded. Same with mortorized vehicle car parts.
2. Also, the warranty policy is a maximum of 1 year or double the manufacturer’s warranty whichever is less.
Oh well…. 🙂 But hey, can’t blame me for trying 🙂
CoronitaParticipant[quote=spdrun]Anything is negotiable — you could tell them to put it on Amex and that you’ll pay the additional spread. Might still be relatively cheap for a doubled warranty.[/quote]
That’s what I was thinking, about paying the stealership for the spred…BUT I would be more concerned about “exclusions” from Amex itself…
CoronitaParticipantHey, so this got me thinking…
Next time, when I go to the BMW dealership, and buy a brand new BMW M4 and put it on my Amex card completely (paying the dealership the 2-3% credit card surcharge versus paying cash to let me do it which means it’s really only and extra 1-2% cost, since Amex will give me a 1% cash back on “other purchases”), I wonder if American Express will extend the warranty the car for an additional 4 years after the first 4 years of warranty up to the $1000 per incident of breakage limit
🙂
If so, Paramount, I think I found your solution the next time you buy a german car…
October 15, 2013 at 11:49 AM in reply to: Any of you doing anything to your money market accounts just in case of a default? #766918CoronitaParticipantWell I just moved all my cash from MM accounts into FDIC insured accounts at different institutions under the insured limit…
I’ll move it back once Congress has a deal..
Better safe than sorry for me…
CoronitaParticipant[quote=paramount][quote=flu]
You need some specialty tool for a german car, you can ping me first, since I might have it….[/quote]
Thanks flu: ever seen that P1777 code – seems related to the transmission. BTW, even though I replaced the battery I never had it “programmed”.[/quote]
No.. Do you have a stick or automatic?
What you can try to do is if you have a ecu/obd tool, you can just try to reset the fault code and see if it comes back.
My 2000 A4 had a flaky ECU and I had to reset the fault code every so often. Problem went away once I bought an ECU that was chipped by GIAC …
The other mind set is if something breaks, it makes a perfect excuse for performance upgrades…. You might be limited in what you can do with a 328, but there are options out there suspension, brakes, etc…
Also, join bimmerfest and other blogs… And do some search first there. If you can’t find it, post a question in the tech section. Usually someone went through what you go through, and if not chances are there is at least a seasoned tech on those blogs that responds to questions….
Lastly, word of advice about all those plastic cover panels…If they bother you, just leave them off. Most of them are purely cosmetic..The exception is the underbelly cover that protects your belts from road crap…They end up breaking (or at least the fasteners end up breaking) because they are mostly plastic pieces.
CoronitaParticipant*P0597 usually means your thermostat is shot. When the BMW thermostat fails, most of the time fails open so you won’t see an overheating issue. It becomes more an emissions issue on a cold start.
*You can try ramps instead of a floor jack. .And if car still too low… Do what this guy does.
http://forums.bimmerforums.com/forum/showthread.php?1707827-Too-low-for-Rhino-Ramps
Otherwise you need a low profile jack if your car is that low..Get some jack pads otherwise you end up scaping the bottom pretty bad. I didn’t before… Oops…*As far as changing a theromstat is concerned if a panda and do it, you can too 🙂
E90 325 (roughly the same assuming assuming you have a sedan)
Also, if you plan on keeping the car, invest in a nice bentley manual…
Yes, yes, it’s about $100 for the manual….Same price as for Audi or Mercedes, just eat the cost if you plan on keeping the car and servicing yourself…
..Or you could try to go with the lesser Haynes which isn’t as good, but will probably get you through the most common repairs.
Personally, I think haynes suck and you’re better off getting info from other people that’s done it on bimmerfest or youtube, etc. But your mileage may vary.. You can find haynes manuals also at Oreilly Auto or Autozone.. You won’t find Bentley manuals there…
Join Bimmerfest.com btw….Plenty of info on your car, and most likely most people already hit your problem and fixed your problem for you..
As far as tools are concerned, you’ll need to invest in a cheap set of metric sockets from Harbor Freight. Also you probably will need some torx sockets later, and then if you are REALLY unlucky, something called tripple squares… But don’t worry… When I work on anything german myself, I like think from the perspective of for the cost of getting someone else to do it, I’m building up my tool collection instead :)… Hey, my mercedes c320 is due for it’s 60k service…I bought my parts all online over the weekend. $200 total…Including the special $20 angled spark plug socket puller I’ll need to take out all 12 spark plugs wedged in…Lol….
You need some specialty tool for a german car, you can ping me first, since I might have it….
October 12, 2013 at 7:32 PM in reply to: Any of you doing anything to your money market accounts just in case of a default? #766810CoronitaParticipant[quote=CDMA ENG][quote=earlyretirement]I don’t keep large amounts in MM’s due to the no FDIC protection but you can easily keep large sums in your Checking or Savings accounts with FDIC protection. Just add on POD beneficiaries to boost the protection beyond the $250,000 limits.[/quote]
I am not getting the POD strategy. Can you please expand on past the beneficary part or is that the whole point?
CE[/quote]
For FDIC insured bank accounts, if ,for instance, the account is titled to a revocable living trust. The insurance ends up being $250k per designated unique beneficiary of the trust… So for example, if your account is titled to a living trust with 4 named beneficiaries on the trust, then it would be insuranced up to $1million
http://www.fdic.gov/deposit/deposits/insured/ownership4.htmlAlso, FDIC insurance limit is per different account types. So if you have an account held in your trust, and other just simply a individual or joint account, then that would count separately as well.
People with brokerage accounts linked to a bank account (like Charles Schwab brokerage and CS Bank) have to be aware of how cash is held in their brokerage account..
….Especially if they are holding onto cash in both the brokerage account and the bank account… In the brokerage side, you have designate how your cash is being held. Some type of cash sweep account types in your brokerage is FDIC insured subject to the same FDIC limits per account types…You need to make sure that the amount you have in your bank sweep brokerage account AND the money you have in just a Charles Schwab Bank account per account type is within the limits.
If your cash in your brokerage is not in a FDIC type holding, it ends up being insured by the SIPC private insurance and any other insurance the brokerage firm has…
CoronitaParticipantwell I just did a test listing for a
1/1 MM condo at a reasonable price.4 people as of this morning, interested and ready to move in immediately… all qualcomm senior engineers… Just saying….Things still look pretty healthy to me….
CoronitaParticipantWell looks as of today, I’ll be in SS purgatory for a traincar …. I hope it goes through without a glitch…
Hopefully that’s 4 down, and just 16 to go 🙁
Choooo choooo…
CoronitaParticipant[quote=bearishgurl]flu, instead of taking up bandwidth, why don’t you explain yourself a little better?[/quote]
Just because you think it’s ridiculous to pay $1800/month for a 1/1 somewhere, doesn’t mean that there isn’t plenty of people who would and/or plenty of people who can afford to and willing to afford to.
As I stated earlier
$1400 gets you a 1/1 condo in MM, in which you would have no difficulty filling with an well qualified applicant of 700+credit score, $80k+ salary…
In places near College Area/SDSU, the same $1400/month gets me tenants for 2/2 who can afford that…A lot more people with questionable credit, and a lot higher turnover rate due to the location of where it’s at…
Different tenant pools, different financial situations,etc.
Purchase prices about the same, rent about the same. PITA factor not the same. And for now, appreciation definitely not the same. MM definitely leaders in the latter two points for the same amount of money and rent..MM 1/1 from my point of view has seen about a 35% appreciation, and rent has gone up, and there is relatively low/no vacancy for a 1/1. 2/2 place around College Area has a lot more competition, the appreciation hasn’t quite happened there yet. And the turnover is higher probability.
FWIW: there is are people willing to pay $1800/month for a 1/1. They would be called Carmel Valley renters…The same sort of people that would thumb their nose at the thought of living in MM (sorry AN, not to offend where you’re at)…There was a point of time in which CarmelValley was break even or slightly cash flow + with standard 20% down…Those days are long gone as well. Why would people buy at close to break even or slightly up for rental? Well some people believe better area => better chances of better appreciation without the risk of getting shot. But seriously, there’s a market for “expensive” condos… What only matters if you can get the numbers to work…
You can argue all you want on why certain area prices are or are not justified. The only thing is what they really are, not what you want to believe it should be…At least that’s the case if what you care about is making money…
Personally, if I could rent out a cardboard box for $1800/month, I would…I wouldn’t live in it myself.. But hey, if there’s a market for it, and it’s legal, and someone wants to pay, go for it…
October 11, 2013 at 2:51 PM in reply to: Any of you doing anything to your money market accounts just in case of a default? #766738CoronitaParticipantIt’s not about “hiding”. It’s more about a question of short term liquidity.
Say if you were planning to purchase a property, and your money was sitting in a money market account that happens to have say 60%+ exposure to treasuries (not saying i do…just saying…)
It did make me look though…
CoronitaParticipant[quote]
flu states that, realistically, current rents for a 1/1 in MM are $1250 to $1400 mo. FIH states that his pie-in-the-sky rent for a 1/1 in MM is $1800. I would say that if he COULD get someone to pay that in MM for a 1/1 (esp w/no carport or garage), then they would likely move out in 6-9 mos as soon as they found a better deal.
There’s a LOT of difference between those two rental price points.
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