Search found 231 matches

by Frobie
Tue Aug 25, 2015 9:54 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 189
Views: 20619

Re: The Bogleheads' Silent Majority

This is a terrific and interesting thread. Thank you CFS. I'm down about 5%. I would probably be more concerned but my beloved dog died so the losses on the market are just background noise. I'm sorry for your loss. In early March 2009--right when the last bear market was at its worst--I lost my fu...
by Frobie
Thu Jul 23, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 7111

Re: Greatest money lesson movie

Already been mentioned a couple of times, and I don't know that overall it's an especially great money lesson movie, but this exchange from Trading Places tells me everything I need to know about speculating in commodities (which is why I don't): Randolph: Now, some of our clients are speculating th...
by Frobie
Sat Jun 27, 2015 11:23 pm
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 5541

Re: Did 2008 change your investing strategy?

Not at all, but it was (and is) an interesting ride.
by Frobie
Sat May 09, 2015 10:54 pm
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 4146

Re: Do banks take loose coinage?

This isn't what you asked, and I have no connection to the company, but whenever I have a bunch of coins (which isn't often) I dump them in the Coinstar machine at the grocery store where I shop. You can get an amazon.com gift card (which is basically as good as cash as far as I'm concerned) with no...
by Frobie
Thu Apr 23, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 42
Views: 4444

Re: New Water Heater

I've got these under my sinks, in the water heater pan, in the A/C pan and behind my washing machine. One of these alerted me to a failing water heater. http://www.amazon.com/Zircon-Leak-Alert-Electronic-Batteries/dp/B002Q8GRPG/ I put one in my water heater pan a few years ago. Helps me sleep a lit...
by Frobie
Wed Apr 22, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 42
Views: 4444

Re: New Water Heater

I've posted about my water heater adventures before, but... Where I live, water heaters are typically installed in the attic. Which, to be honest, freaks me out more than a little. So I do what I can to try to prevent a catastrophe. I don't know if it really helps, but I drain the sediment every Oct...
by Frobie
Tue Apr 21, 2015 10:12 am
Forum: Personal Finance (Not Investing)
Topic: One Spouse Outearning the Other?
Replies: 64
Views: 6176

Re: One Spouse Outearning the Other?

I'm another guy whose spouse outearns him. My wife makes about 40% more than I do, but that decreases to about 25% if you include my side job. I'm the saver in the family and she's the spender (though not extravagantly so), so it works out reasonably well. For the first several years of our relation...
by Frobie
Wed Apr 15, 2015 9:15 am
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have Open?
Replies: 25
Views: 11807

Re: How Many Credit Cards Do You Have Open?

I have three. ⋅ My main one from the place where I do my banking. ⋅ A backup from the bank I used to use. I'd like to close it, but it's the oldest thing on my credit record so I'm reluctant to do so. ⋅ Another backup from a local credit union that I'd prefer to sever t...
by Frobie
Sat Mar 28, 2015 9:41 pm
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 9009

Re: Sued and won for drycleaner losing suit, suit now found.

I've said this before and I'll surely say it again.

I don't wish bad stuff on anybody.

But my favorite thing about reading this board is seeing posts like these describing how folks deal with difficult or unusual situations.

OP: please keep us updated!

Jeff
by Frobie
Sun Mar 22, 2015 12:16 am
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 16024

Re: Restaurant tipping

I've been pursued out of a restaurant by a waiter exactly once in my life. I was at one of our regular haunts for a work function. There were 8ish people there so they added a gratuity automatically. I didn't notice and tipped on top of that. The guy chased me down in the street to point out my erro...
by Frobie
Fri Mar 13, 2015 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 32
Views: 2317

Re: Pet insurance?

I've never bought pet insurance or even seriously considered it. I put money aside for pet needs every month and, if needed, could spend several thousand dollars without disrupting my financial life. I have absolutely no confidence whatsoever that, if things got bad enough, a pet insurance company w...
by Frobie
Thu Feb 26, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 4699

Re: Should you tip when picking up takeout food?

I don't get food to go very often, but I generally try to tip something . Usually 10% or so if paying by credit card or a few dollars if paying by cash. I figure someone had to gather together the order, make sure it is accurate, package it to go, and so on. (And yes, I know the same thing is true a...
by Frobie
Sun Oct 05, 2014 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Is it normal to lose $$$?
Replies: 26
Views: 4413

Re: Is it normal to lose $$$?

Stocks go up. Stocks go down.
by Frobie
Mon Sep 08, 2014 11:39 am
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 13933

Re: A 'really good book' you did NOT enjoy

I've posted this before, but...

The Sound and the Fury by William Faulkner.

After I read the last page, I put it down and said out loud (I was alone the time), "I have no idea what that book was about."

To this day I still don't.
by Frobie
Sun Sep 07, 2014 10:33 am
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 60
Views: 4227

Re: Texas - Recommendation Where To Live

This will be a fun thread.

ETA: This comment refers to the fact that people love to endlessly argue about what city in Texas is "the best", not anything to do with the OP's request or criteria.
by Frobie
Sat Aug 23, 2014 9:21 pm
Forum: Personal Consumer Issues
Topic: Best nose hair trimmer (is this okay to ask?)
Replies: 36
Views: 3229

Re: Best nose hair trimmer (is this okay to ask?)

I bought this a while back.

Works okay, I guess, but I'm not overly impressed.

Disclaimer: not a professional nose hair trimmer reviewer.
by Frobie
Fri Aug 15, 2014 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Debit VS Credit Cards Security
Replies: 19
Views: 1699

Re: Debit VS Credit Cards Security

I've posted about this before, so here's a cut-and-paste from a previous thread: Just an anecdote about what can go wrong with a debit card. My wife was out with a couple of friends and paid for her dinner with a debit card linked to her checking account. The machines were down so they did not run t...
by Frobie
Fri Jul 11, 2014 8:14 pm
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 6265

Re: Convince me to visit Italy

I was actually a little disappointed in my eating experience when I went to Italy. It wasn't that the food was bad--it was quite tasty. But I figured that if the Italian you can get/make in the US is great (it's my favorite), what they actually have in Italy must be mind blowing. I thought it was on...
by Frobie
Wed Mar 19, 2014 11:07 am
Forum: Personal Consumer Issues
Topic: Good, reasonable priced pinot grigio?
Replies: 7
Views: 1173

Re: Good, reasonable priced pinot grigio?

What does "reasonable" mean to you? The wife and I drink a lot of pinot grigio during the hot season (which is most of the year where we live). St. Michael-Eppan is one of the more expensive pinot grigios at our local liquor megamart, but it's still only about $22. Very tasty (as is their ...
by Frobie
Wed Mar 12, 2014 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is a 457 worth it?
Replies: 15
Views: 1761

Re: Is a 457 worth it?

I'm in the same boat (TX employee). I hemmed and hawed for years but finally decided that the decreased taxable income was likely worth the fees. I stopped contributing to my taxable account (TSM) and signed up for the Texa$aver about 18 months ago. The other thing that was holding me back is that n...
by Frobie
Wed Feb 19, 2014 12:03 am
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 6169

Re: True Detective anyone?

I like it, plus it's got two of my fellow Texans in it, so I'm obligated to watch. It's a Texas thang. 8-) You might be onto something. The three of us who have chimed in saying we like it are apparently all Texans. Hmm... :) McConaughey has been terrific. He's also had the best-written part IMHO. ...
by Frobie
Tue Feb 18, 2014 8:18 pm
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 6169

Re: True Detective anyone?

Great show. I'm really enjoying it.
by Frobie
Fri Jan 24, 2014 11:03 pm
Forum: Personal Consumer Issues
Topic: Statistics on specific traffic jam locations
Replies: 8
Views: 569

Re: Statistics on specific traffic jam locations

jjbiv wrote:Try the new version of Google Maps. Zoom in on a city, move your mouse over the text box in the upper-left corner, and you can choose to view "Typical traffic" for a day of the week and time.


Wow, that's pretty neat. Thanks for sharing! I'll use it even if the OP doesn't. :)
by Frobie
Fri Jan 24, 2014 8:17 pm
Forum: Personal Consumer Issues
Topic: Statistics on specific traffic jam locations
Replies: 8
Views: 569

Re: Statistics on specific traffic jam locations

I don't drive much, but I thought of this because I spent part of the day today watching the traffic chaos unfold here in Houston due to our icy (for us) morning. There is a website/system/organization/something called Transtar that provides real-time traffic information for the Houston area. They a...
by Frobie
Sun Jan 05, 2014 12:44 am
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 10110

Re: What is your winter thermostat setting (while you are up

We mostly set ours at 60, which is the lowest our thermostat allows. It does go up to 62 on weekday mornings when we are getting ready to go to work. I should mention, though, that we live in Houston. So: 1) it's rarely cold enough that the heat actually kicks on; 2) we enjoy cold weather since it's...
by Frobie
Sat Dec 28, 2013 2:10 pm
Forum: Personal Consumer Issues
Topic: Used Smartphones?
Replies: 20
Views: 1352

Re: Used Smartphones?

My wife has sold a couple to Gazelle. Am betting that she could have gotten more money going another route, but it was very quick and painless.
by Frobie
Thu Dec 26, 2013 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 100
Views: 23914

Re: What you wish you had known entering your late 20's

The 30s will go by faster than you thought possible. Come to think of it, that's just like the (my?) 20s. Definitely save and invest and think about the future, but also don't be afraid to enjoy life now. There has to be a balance. Be sure to tell your parents, siblings, and/or others you might be c...
by Frobie
Fri Dec 06, 2013 10:32 am
Forum: Personal Consumer Issues
Topic: Trampolines and HO Insurance
Replies: 30
Views: 2674

Re: Trampolines and HO Insurance

Relevant.

This too.

Honestly, I'm kinda shocked that this thread to got well over 20 posts before these came up.
by Frobie
Thu Dec 05, 2013 11:36 am
Forum: Personal Consumer Issues
Topic: Learn Statistics? How?
Replies: 40
Views: 2699

Re: Learn Statistics? How?

Cartoon Guide to Statistics: http://www.amazon.com/Cartoon-Guide-Statistics-Larry-Gonick/dp/0062731025 +1 - great book for the self-learner. Yep, love that book. I've taken intermediate-level statistics courses, but the knowledge is not something I use every day. Every once in a while I'll come acr...
by Frobie
Wed Dec 04, 2013 12:22 am
Forum: Investing - Theory, News & General
Topic: I'd like to challenge the logic behind a 'disaster fund'
Replies: 134
Views: 7642

Re: I'd like to challenge the logic behind a 'disaster fund'

1 - I guess you can call it what you want, I'm talking about eliminating the portion used for 'emergencies', and just keeping what you actually need for spending. I'm not seeing the difference. People don't keep an emergency fund to help put out a fire, shut off the main water valve when there's a ...
by Frobie
Wed Oct 23, 2013 5:32 pm
Forum: Personal Consumer Issues
Topic: How To Request Texas Sales Tax Refund
Replies: 6
Views: 517

Re: How To Request Texas Sales Tax Refund

I've lived in Texas for a while and never heard of such a thing, so I spent some time Googling around just out of curiosity. After reading some links, FatWallet threads, etc., it seems that you might need a licensed customs broker (like the one placeholder linked to) to file the paperwork for you (f...
by Frobie
Thu Oct 17, 2013 10:49 pm
Forum: Personal Consumer Issues
Topic: Savannah or Charleston
Replies: 12
Views: 1790

Re: Savannah or Charleston

If you have never been to Savannah and have been to Charleston, the answer is clear: Savannah. Next time the decision will be tougher. Agree. Had the good fortune to live in Charleston for a while. It's a neat place. My mother-in-law still lives there, so we make it back pretty regularly. Sister-in...
by Frobie
Sat Oct 12, 2013 1:18 pm
Forum: Personal Consumer Issues
Topic: wi fi range, extenders, Powerline, etc
Replies: 64
Views: 4249

Re: wi fi range, extenders, Powerline, etc

We use these. Work like a charm and were very easy to set up.

They seem to go on sale a few times a year but are well worth paying full price for IMHO.
by Frobie
Thu Sep 26, 2013 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have flood insurance?
Replies: 22
Views: 1854

Re: Do you have flood insurance?

We have the maximum we are able to buy (which I believe is the same as the numbers you quoted). I have no idea if that's a smart move. It's something I've often wondered about. I think we pay in the same ballpark as what you are considering (wife takes care of this particular bill). Live in Houston,...
by Frobie
Wed Sep 11, 2013 10:27 am
Forum: Personal Consumer Issues
Topic: Wife: Surprise, we now have a cat.
Replies: 89
Views: 9825

Re: Wife: Surprise, we now have a cat.

Congrats! My usual advice to new cat owners is to get two because it's a lot more fun and only a tiny bit more work, but your dog(s) seem to be fulfilling the playmate role nicely, so I dunno. Have had good success with this scratching post (it's a little pricey but our dudes love it) and this type ...
by Frobie
Sun Aug 25, 2013 6:41 pm
Forum: Personal Consumer Issues
Topic: Office chair recs
Replies: 21
Views: 2897

Re: Office chair recs

I thought the title of this thread was "Office chair races".

I am disappointed.
by Frobie
Sun Aug 11, 2013 7:48 pm
Forum: Personal Consumer Issues
Topic: How do you order your steak?
Replies: 76
Views: 4814

Re: How do you order your steak?

Medium, but if they are going to [mess --admin LadyGeek] it up I'd rather it be more toward the medium-well side.

People like what they like.
by Frobie
Thu Aug 08, 2013 8:12 pm
Forum: Personal Consumer Issues
Topic: My refrigerator is doing weird things
Replies: 12
Views: 1080

Re: My refrigerator is doing weird things

If it was a side by side, the coils may have been frozen over. There is an element which is supposed to melt this ice, but sometimes you''ll end up with a shell around the coil or other ice patches which block airflow (and this leads to no cooling). This is the perfect description of a frozen evapo...
by Frobie
Wed Jul 24, 2013 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: pick up double major or finish college in 3 years?
Replies: 112
Views: 6515

Re: pick up double major or finish college in 3 years?

Does she like being in college? Would she enjoy taking a year to study music? There are obviously advantages to not “wasting” a year. But if the goal is to start gathering a heap of money so that later in life she can have the financial ability to do things like, oh, I dunno, take music classes at a...
by Frobie
Tue Apr 09, 2013 6:12 am
Forum: Personal Consumer Issues
Topic: Month-long visits to American cities
Replies: 52
Views: 4773

Re: Month-long visits to American cities

I've never understood why some people on the Internet (and it's far from a Bogleheads-specific thing) feel the need to talk badly about some places whenever they are mentioned. I grew up in the sticks--and in a lot of ways I prefer that to city life. And I tend to be a somewhat cynical and pessimist...
by Frobie
Sat Mar 09, 2013 9:43 pm
Forum: Personal Consumer Issues
Topic: Giving away a couple of Lexmark printer cartridges
Replies: 8
Views: 812

Re: Giving away a couple of Lexmark printer cartridges

They are new and in the box, BTW. I considered the Craigslist route, but I've never had anything to do with that and wanted to avoid it if I could. Bought a laser printer based on a reccomendation in a thread here a while back, so hopefully I'm done with ink cartridges. These things are surprisingly...
by Frobie
Sat Mar 09, 2013 12:28 am
Forum: Personal Consumer Issues
Topic: Giving away a couple of Lexmark printer cartridges
Replies: 8
Views: 812

Giving away a couple of Lexmark printer cartridges

This is probably a long shot, but...

I have one each of Lexmark cartridges #41 and #42 that I bought for a printer that has since gone to printer heaven.

I would hate for them to go to waste. If you have a use for them, let me know and I'll send 'em your way.

Free of charge, of course.

Jeff
by Frobie
Sun Feb 03, 2013 9:03 pm
Forum: Investing - Theory, News & General
Topic: "Mutual Funds for Dummies" A gem.
Replies: 9
Views: 1874

Re: "Mutual Funds for Dummies" A gem.

Yep, love the Tyson books. The notion that most average people and non-investment professionals can invest in individual stocks with minimal effort and beat the best full-time, experienced money managers is, how should I say, ludicrous and absurd." Love this quote. It has always resonated with ...
by Frobie
Wed Jan 23, 2013 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation vs Savings Dilemma
Replies: 34
Views: 3631

Re: Vacation vs Savings Dilemma

23 years old, makes $70k, lives on $20k?

Add me to the "go on vacation" group.
by Frobie
Fri Jan 11, 2013 11:07 am
Forum: Personal Consumer Issues
Topic: water heater
Replies: 25
Views: 2102

Re: water heater

It is customary (or at least not uncommon) in this part of the country to put the water heater in the attic. It still freaks me out a little to think about that. We recently replaced our 13- or 14-year-old water heater mainly as a precaution. After the new one was installed, the first time I used ho...
by Frobie
Mon Dec 24, 2012 5:42 pm
Forum: Personal Consumer Issues
Topic: What Do You Use for Streaming on Your TV?
Replies: 118
Views: 12597

Re: What Do You Use for Streaming on Your TV?

We used to stream over wifi to an Internet-capable Blu-ray player (LG). That worked well for a while, but we live in a somewhat crowded neighborhood that has lots of competition/interference when it comes to wifi channels. Eventually saw these on sale at Monoprice and rolled the dice. This approach ...
by Frobie
Fri Dec 14, 2012 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone moved from MN to TX
Replies: 17
Views: 1737

Re: Anyone moved from MN to TX

Which Texas city is "the best" is a source of endless debate, so I would not expect you to find anything resembling consensus. I am from Ohio originally and have been in Houston since 1999 (after a 5-year stint in South Carolina). I like it a lot. Have not lived in Austin, Dallas, and San ...
by Frobie
Thu Dec 13, 2012 11:44 am
Forum: Investing - Help with Personal Investments
Topic: BlackRock Bond Index (Collective Trust Fund)
Replies: 11
Views: 1036

Re: BlackRock Bond Index (Collective Trust Fund)

A few months ago I decided that I needed to start taking advantage of the additional tax-deferred space available in my employer's 457 plan. They have some decent funds available, but none of them really fit my existing investments very well except for this one. The ER that's quoted in my plan's lit...
by Frobie
Fri Oct 05, 2012 11:56 am
Forum: Personal Consumer Issues
Topic: robbed by strong arm and pickpockets in Rome and Venice
Replies: 63
Views: 9592

Re: robbed by strong arm and pickpockets in Rome and Venice

I've only been to that part of the world once, but let me third (or fourth, or twenty ninth, or whatever) the comments given above about following Rick Steves' advice, particularly the money belt. I remember our tour guide telling us not to carry anything in our pockets that it would be a big deal i...
by Frobie
Sat Sep 15, 2012 9:05 pm
Forum: Personal Consumer Issues
Topic: Will you get an iPhone 5?
Replies: 108
Views: 5818

Re: Will you get an iPhone 5?

Not planning to. Have an iPhone 4 and my contract is up next month, but it meets my needs just fine so I don't really see any reason to change. I'm a bit worried about iOS 6, though. Apparently the maps are changing and transit directions will no longer be provided. I use that feature semi-regularly...

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