Search found 4110 matches

by FrugalInvestor
Sun Apr 30, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 57
Views: 3317

Re: Dealing with regret

Every time I think about selling out at the bottom and missing the subsequent bull run, I feel nauseous. It's been eating away at me for years, coming to a head recently, where I'm actually losing my appetite and my ability to sleep. Stop thinking about it . It does no good and as you've experience...
by FrugalInvestor
Sat Apr 29, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Mazda CX-5 window shattering problem
Replies: 10
Views: 941

Re: Mazda CX-5 window shattering problem

michaeljc70 wrote:Nissan was hit with a class action lawsuit over shattered sunroofs.


Wouldn't that be a "glass action lawsuit?"
by FrugalInvestor
Fri Apr 28, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Which sonicare toothbrush do you recommend?
Replies: 13
Views: 714

Re: Which sonicare toothbrush do you recommend?

I've been using Sonicare brushes since the early 1990s. The original brush was exceptionally effective and reliable and 'features' added since have not improved anything except the manufacturer's profit margins as far as I'm concerned. I continue to use the basic model and see no reason to do otherw...
by FrugalInvestor
Fri Apr 28, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 16
Views: 1138

Re: water softener for whole house?

I live in Arizona and had a whole house water softeners three times. We never liked them much. I find they make the water "slick and slimy feeling". So we no longer have one even though our house is plumbed for one. The problem is that most plumbers don't how to properly adjust the settin...
by FrugalInvestor
Fri Apr 28, 2017 12:50 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 143
Views: 18027

Re: Why not add a "like" button to Boglehead posts?

Dislike the idea of a like button. :annoyed This is a very different sort of site than Facebook and I'd like it to stay that way (no pun intended).
by FrugalInvestor
Fri Apr 28, 2017 12:36 am
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 16
Views: 1138

Re: water softener for whole house?

If possible when the unit is installed have them separate the outside hose connections and lawn sprinklers from the softener. You will save salt and wear and tear on whatever unit you get. No need to have soft water to water the grass or wash the car. As a matter of fact, it's not good for plants t...
by FrugalInvestor
Thu Apr 27, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 16
Views: 1138

Re: water softener for whole house?

If you're looking at traditional water softeners (with media and salt tanks) the most important component by far is the control valve. Fleck and Autotrol are the gold standards. Look for local independent companies who supply a softener with one of these heads and it should serve you well. Don't use...
by FrugalInvestor
Thu Apr 27, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 99
Views: 8218

Re: Best take it everywhere camera

I have an older Nikon COOLPIX S9100 12.1mp with 18x zoom. I don't use it a lot, but if I want (much) more flexibility than a phone and really nice photos it's my go to camera. I like it because it's fast and responsive (unlike a Panasonic I had previously) and it's easy to carry around no matter whe...
by FrugalInvestor
Thu Apr 27, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 38
Views: 3456

Re: Why I'm tempted to fix things myself; it's not about the money

I have encountered the same frustrations. It has gotten to the point that I do just about any home repair I can to avoid dealing with knuckleheads. Same story with car repair/maintenance. +1. I often find that the contractor talks a good story (often handled by the 'front man') but that the worker ...
by FrugalInvestor
Thu Apr 27, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: car portable refrigerator
Replies: 12
Views: 801

Re: car portable refrigerator

A consideration is that it will warm up the interior of your car. On a hot day your car air conditioner may be unable to keep up with this added heat. Ralph Have used ours for many road trips (many thousands of miles) and never had that problem. We typically carry our lunch makings in the cooler ra...
by FrugalInvestor
Thu Apr 27, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9071

Re: Vanguard has switched to brokerage only accounts

What happens if I refuse to give Vanguard permission to switch my mutual fund accounts (which is what they all are) to brokerage? :annoyed I don't think they are going to ask for your permission. :happy Paul Early on in their conversion process I called and asked if I could delete my brokerage acco...
by FrugalInvestor
Thu Apr 27, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Time and Materials Vs. Flat Bid
Replies: 10
Views: 577

Re: Time and Materials Vs. Flat Bid

It's difficult to reply with so little information but typically I would almost never consider time and materials as a purchaser unless I know the contractor well and have a very high level of trust in them. Essentially it removes the risk from them and puts it all on you.
by FrugalInvestor
Wed Apr 26, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: car portable refrigerator
Replies: 12
Views: 801

Re: car portable refrigerator

I've used a couple of Coleman 40-Quart PowerChill Thermoelectric Coolers for travel and for transporting perishable food for years. WalMart used to carry them in their stores (not sure now) and I see them on their website. If your car's power port remains 'live' when the car is off you need to be ca...
by FrugalInvestor
Tue Apr 25, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: umbrella for auto insurance
Replies: 6
Views: 523

Re: umbrella for auto insurance

I'm sorry I can't answer your question, but this is exactly why I always shop all of my insurance coverage at once. There's no benefit to saving on one piece if it's only going to cost more for everything combined. I'm not averse to splitting it up but so far I've never seen a significant benefit to...
by FrugalInvestor
Tue Apr 25, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Plan
Replies: 14
Views: 1233

Re: Help with Retirement Plan

Thanks for all the responses. I did make a typo in the post though. I mistakenly put that we planned a 100k withdrawal, but it should say at least 150k. I just wanted to correct that for any responses going forward. You should correct this in your original post and note it as corrected. Some may no...
by FrugalInvestor
Mon Apr 24, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10807

Re: Ordering a Weber grill this week

What type of meat thermometers are you all using? Does a simple instant digital read out one do? $20 from Amazon. I have the $20 one from Amazon and use that when I am on extended work travel. (We have grills on-site.) That one is so-so. At home, I use the ThermaPen from ThermoWorks. http://www.the...
by FrugalInvestor
Thu Apr 20, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 4844

Re: Did I make a good decision to retire July 2017 instead of July 2018?

I am still concern about the health premium in the upcoming years. It's wise to be concerned about the health insurance premium and healthcare costs in general. There is zero certainty right now with regard to premium costs, coverage, deductibles, etc. for anyone depending on a private policy. In m...
by FrugalInvestor
Thu Apr 20, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 35110

Re: Larry Swedroe says "Goodby."

I too have always enjoyed Larry's informative, insightful and thought provoking posts. Bogleheads will be less without them. I can only hope that Larry will take a break and then decide to come back and participate at a level that he is more comfortable with and ignoring the "noise." I kno...
by FrugalInvestor
Thu Apr 20, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 4844

Re: Did I make a good decision to retire July 2017 instead of July 2018?

It doesn't matter if it was a good (or the best) decision or not at this point. It's done, similar to sunk costs. In addition, only you can put a value on the psychological benefits on one year of additional retirement so money is not the only determinant. What you should be spending your energies o...
by FrugalInvestor
Tue Apr 18, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: WSJ article-Indexes Beat Stock Pickers Even Over 15 Years New data show that 82% of all U.S. funds trailed their respect
Replies: 19
Views: 3359

Re: WSJ article-Indexes Beat Stock Pickers Even Over 15 Years New data show that 82% of all U.S. funds trailed their res

Fees are the major determinant of this underperformance, but there was a Bloomberg article (https://www.bloomberg.com/news/articles/2017-04-09/lopsided-stocks-and-the-math-explaining-active-manager-futility) about a week ago discussing about the skew in individual stock returns which leads to a sim...
by FrugalInvestor
Tue Apr 18, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: How to be a good parent to an introverted kid
Replies: 29
Views: 2500

Re: How to be a good parent to an introverted kid

Another introvert here. I would maintain that there's nothing wrong with valuing quality of friendships over quantity of friendships. I've also found upon reflection that I've been less susceptible to (or interested in) going along with the crowd. This prevented me from doing many stupid things when...
by FrugalInvestor
Sun Apr 16, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why do you save?
Replies: 31
Views: 2006

Re: Why do you save?

I saved when I was very young because I wanted to buy something that I couldn't immediately afford, like a bicycle. I saved when I was a teenager for the same reason but then it was a car and the expenses that went with it. I saved when I was college age to pay for my education. I saved when I was w...
by FrugalInvestor
Sat Apr 15, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1594

Re: How to avoid heath care surprises?

How to avoid surprises? Make sure you can pay the OPM... Good advice. Actually make sure you can pay the OPM every year because it's an annual OOP maximum. You're very lucky to have an OPM that is so low. Many have maximums that are much higher and deductibes that match. Count your lucky stars and ...
by FrugalInvestor
Sat Apr 15, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 6050

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

The Merrill and Schwab salespeople did their jobs well. You are now "totally confused" so you obviously need them to 'help' you. Don't fall for it. It's not complicated. Really it's only as complicated as you want to make it (and simpler is typically better!). Take your time and get some m...
by FrugalInvestor
Thu Apr 13, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: which tv and size to buy
Replies: 41
Views: 3783

Re: which tv and size to buy

My advice is, don't pay any attention to the TV distance watching calculations. Today's TV's and most broadcast signals whether antenna, cable or streaming are good enough to allow a person to sit very close to the screen. This is especially true with the smaller size you'll be looking for. Buy a h...
by FrugalInvestor
Thu Apr 13, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5825

Re: Jack says be realistic

Given that, Bogle doesn’t see the next few years bringing stock gains anything like the average 11% rise across his own career. Instead, investors should expect annual returns of around 4% for equities, he said. All the risk of equities for about 1/3 of the bygone returns. Those approaching the end...
by FrugalInvestor
Thu Apr 13, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: which tv and size to buy
Replies: 41
Views: 3783

Re: which tv and size to buy

My advice is, don't pay any attention to the TV distance watching calculations. Today's TV's and most broadcast signals whether antenna, cable or streaming are good enough to allow a person to sit very close to the screen. This is especially true with the smaller size you'll be looking for. Buy a hi...
by FrugalInvestor
Thu Apr 13, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: WSJ article-Indexes Beat Stock Pickers Even Over 15 Years New data show that 82% of all U.S. funds trailed their respect
Replies: 19
Views: 3359

Re: WSJ article-Indexes Beat Stock Pickers Even Over 15 Years New data show that 82% of all U.S. funds trailed their res

Frugal Investor: Thank you for the links to this important article. By the way, I love your signature line quoting the great American philosopher, Henry David Thoreau. Best wishes Taylor My use of the signature was inspired by your posts Taylor. I have come to appreciate the value of simplicity mor...
by FrugalInvestor
Thu Apr 13, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 605

Re: Which concentrated roach killer is the best?

You may also want to take a look here for professional grade (concentrated) products specifically for roaches....

http://www.domyownpestcontrol.com/roaches-c-2.html
by FrugalInvestor
Thu Apr 13, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 605

Re: Which concentrated roach killer is the best?

I buy Bifen XTS from Amazon, mix it up myself in a 1 gallon garden sprayer at about double the recommended concentration, and soak the perimeter of the house and crawl space every few months. For indoors, I use Bifen IT which is the water based version. This stuff kills everything. I checked the pr...
by FrugalInvestor
Thu Apr 13, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: WSJ article-Indexes Beat Stock Pickers Even Over 15 Years New data show that 82% of all U.S. funds trailed their respect
Replies: 19
Views: 3359

Re: WSJ article-Indexes Beat Stock Pickers Even Over 15 Years New data show that 82% of all U.S. funds trailed their res

For those who are unable to access the article.... It begins in the lower left-hand corner of page A1 here.... http://online.wsj.com/public/resources/documents/print/WSJ_-A001-20170413.pdf And continues in the lower right-hand corner of page A8 here.... http://online.wsj.com/public/resources/documen...
by FrugalInvestor
Wed Apr 12, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Car waxing/sealant for a newb (not for high level detailing)
Replies: 10
Views: 1111

Re: Car waxing/sealant for a newb (not for high level detailing)

I like Rejex. It's sealant that goes on and off easily and lasts for months.
by FrugalInvestor
Mon Apr 10, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10807

Re: Ordering a Weber grill this week

When I lived in a wet climate I always covered my Weber but made sure it was dry before doing so. In that climate my original Weber cover lasted as long as the grill (usually about 7 years). As soon as I moved to a hot and dry climate the same (relatively new) cover fell apart within a couple of mon...
by FrugalInvestor
Mon Apr 10, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10807

Re: Ordering a Weber grill this week

I have the old E-310 I believe. It has the closed cabinet and no side-burner which was my preference. When I purchased it both the side-burner and no side-burner models had a closed cabinet. I wouldn't like the looks of a nice grill with an exposed tank. The cabinet also gives me a place to lay my g...
by FrugalInvestor
Fri Mar 31, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 8634

Re: What career helped you become wealthy?

Wealthy is a relative term, it all depends on who you compare yourself to. The average wage earner in the U.S. is 'wealthy' compared to the average wage earner in most countries. I was able to retire early and we live comfortably but certainly not extravagantly. Living beneath our means was the key ...
by FrugalInvestor
Sun Mar 19, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 2516

Re: State Farm

I've had State Farm Insurance since my first car. My for the past 25+ years have included auto, home and umbrella. I've had coverage in four different states and have never had a problem with State Farm, but then again I've never had a significant claim. I've always been happy with the service provi...
by FrugalInvestor
Thu Mar 16, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 1475

Re: Quiet Bedroom overhead fan

My problem was even when properly balanced, all fans tend to **hum** even on low speed. I've had good luck with aeratron: https://aeratronfans.com/shop/ae3/ Their DC and when properly balanced there is no sound but air, and on med to low you can't even hear that. Using a dimmer switch on a ceiling ...
by FrugalInvestor
Thu Mar 16, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 1475

Re: Quiet Bedroom overhead fan

I have Hunter Douglas fans in most of my rooms in Arizona. They are quiet and slow. They were balanced when installed using standard balance weights. So I suggest you try to balance your fans with balance kit from Home Depot or Lowes. +1 to this. A properly balanced fan won't wobble and wobbling is...
by FrugalInvestor
Thu Mar 16, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 1475

Re: Quiet Bedroom overhead fan

I have Hunter Douglas fans in most of my rooms in Arizona. They are quiet and slow. They were balanced when installed using standard balance weights. So I suggest you try to balance your fans with balance kit from Home Depot or Lowes. +1 to this. A properly balanced fan won't wobble and wobbling is...
by FrugalInvestor
Thu Mar 16, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 8176

Re: Do you avoid international investing like Jack Bogle?

I've been reducing my international exposure for a few years now as I need funds in retirement. I never had more than 10 percent equities in international and now have less than 5 percent. Eventually I'll have zero. This is partly due to Jack's comments on the subject and partly in the interest of s...
by FrugalInvestor
Mon Mar 13, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18609

Re: gratuitous homeownership items

It appears the big loser in this thread is the giant, jetted bathtub. Swimming pools are a close second. Are you listening home builders? What attracts the buyer at time of purchase and what turns out to be a gratuitous feature can be the same. It isn't the builder's job to try and convince a buyer...
by FrugalInvestor
Sun Mar 12, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Flooring for Basement
Replies: 36
Views: 2322

Re: Flooring for Basement

SVariance1 wrote:I know very little about why a floor could get water damage but if there is a barrier, how could the water penetrate the barrier


If there's an avenue, and there usually is, the water will find it. For that reason I like the porcelain tile idea.
by FrugalInvestor
Sun Mar 12, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18609

Re: gratuitous homeownership items

We purchased our last (existing) home about 3 years ago. We've lived in enough homes over the years that we're fairly in touch with our needs, wants and desires - and we don't like to waste money. So we covered most of those things when we purchased to the extent that can be done in a home that's al...
by FrugalInvestor
Sun Mar 12, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: How frequently is it okay to check in with an investment advisor?
Replies: 22
Views: 1458

Re: How frequently is it okay to check in with my investment advisor?

The adviser's primary purpose is to help you make decisions that will make the investment firm and the adviser money. The adviser is a salesperson. The best way to get into mutual funds is to educate yourself by reading this forum and follow the guidelines you will find here. One of those guidelines...
by FrugalInvestor
Sat Mar 11, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Cuttting the cable tv negotiation & the scam
Replies: 33
Views: 3297

Re: Cuttting the cable tv negotiation & the scam

I personally don't see the switch to Sling, DirectTV Now, PlayStation Vue as true cord cutting. You are still subscribing to live TV channels (often sold to you by the very same companies...) , they are just delivered over a different network/protocol. Do you consider switching from a premium cable...
by FrugalInvestor
Sat Mar 11, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Cuttting the cable tv negotiation & the scam
Replies: 33
Views: 3297

Re: Cuttting the cable tv negotiation & the scam

In my opinion (and experience) an antenna is central to a good TV experience without cable or satellite if you watch quite a bit of TV. The antenna provides the basic networks (ABC, CBS, FOX, NBC and PBS) and the capability to record the programming on those networks with the addition of a TiVo or o...
by FrugalInvestor
Fri Mar 10, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: can you recommend good tires
Replies: 50
Views: 2722

Re: can you recommend good tires

I like Michelin and Costco for tires. Ask them to recommend a good tire for your car. Watch for regular in-store coupons every couple of weeks - $70 off set of 4. Looks like the current coupon is good through 3/12.
by FrugalInvestor
Tue Feb 28, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 42
Views: 4085

Re: Car windshield wipers - go cheap or better?

Be careful with Rain-X if you don't like a streaky windshield. I put it on one car and regretted the decision until the day I replaced the windshield. That is one annoying thing about Rain-X. The windshield streaks when the Rain-X wears off. The answer is regular reapplication of Rain-X. If the str...
by FrugalInvestor
Tue Feb 28, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 5303

Re: Don't pay full price for cable TV

What was your experience with DirecTV Now like? The early reviews after the Nov 30 rollout were really awful, lots of freezing/buffering issues even for users with very fast ISP services. Has it improved? I began my DirecTV NOW subscription in early December and had problems for the first 30 days o...
by FrugalInvestor
Tue Feb 28, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 5303

Re: Don't pay full price for cable TV

Frustrating. Only reason we keep cable is for Live local sports broadcasts. Depending on location there are now options for many local sports through streaming services. I used Sling last summer for in-market MLB games which are carried by our regional Fox Sports network. I'm currently using Direct...

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