Search found 856 matches

by fsrph
Fri Aug 18, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 103
Views: 6097

Re: What is Bitcoin?

If it wasn't mentioned previously, Netflix had a documentary on Bitcoin.

https://www.netflixreleases.com/banking ... coin-2017/

Francis
by fsrph
Tue Aug 15, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 6875

Re: Retired Boglehead obsession with money- devil's advocate

I don't know if I'd call it an obsession it's more like a habit. Save and save for decades, invest prudently and hopefully watch your investments grow and grow. This is behavior that you followed for decades and it's not easy turning the switch from saving to spending. Here's an article that may be ...
by fsrph
Thu Aug 10, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 9047

Re: Has the "bond bubble" caused you to change your allocation?

I moved about 50% of my bond allocation to CDs over several years. One requirement to change was the cd should pay 2.75 to 3%. I found this rate at Penfed, Valor, Northwest and NASA. So, my bond allocation changed but investments in fixed income remained about the same.

Francis
by fsrph
Sat Jul 15, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 22
Views: 2887

Re: Teeth Whitening

Try Crest Whitestrips Professional Effects. Around $35 on Amazon. Works great. I'd try this before any whitening treatment at the dentists office. https://www.amazon.com/Crest-Profession ... B00336EUTK

Francis
by fsrph
Tue Jul 04, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2263

Re: Bogleheads - how about an outdoor chair recommendation!

Harbor Freight sells a folding director-style chair with a side table and pockets that would probably meet your needs. m This is the chair I was going to recommend. I own two of them, and they're the best chairs I've ever owned. They fold up flat, they're super light, and they hold 250 lbs. I can p...
by fsrph
Thu Jun 29, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett's PBS interview
Replies: 2
Views: 789

Warren Buffett's PBS interview

From a few days ago. Gives his thoughts on investing and current issues.


http://www.pbs.org/newshour/bb/america- ... n-buffett/

http://www.pbs.org/newshour/bb/part-2-b ... lief-rich/

Francis
by fsrph
Sun Jun 25, 2017 12:26 am
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 2800

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

If you're going from the lower Keys to Tampa it's going to be more than a six hour trip. Nevertheless, if you're using Rt. 41 to cross the state Shark Valley (part of Everglades National Park) is a good stop if you're into nature. Take the tram. m. If you just want somewhere to stop the are countles...
by fsrph
Fri Jun 23, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2263

Re: Bogleheads - how about an outdoor chair recommendation!

I'm looking for a chair you take along to sporting events (to sit on the grass), concerts or other outdoor activities. Not looking for the most expensive chair but would pay more for one that is comfortable and lasts. I'm a little over 200 lbs so need a sturdy one too. Any suggestions? Thanks. Fran...
by fsrph
Fri Jun 23, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2263

Bogleheads - how about an outdoor chair recommendation!

I'm looking for a chair you take along to sporting events, concerts or other outdoor activities. A chair with legs. Not looking for the most expensive chair but would pay more for one that is comfortable and lasts. I'm a little over 200 lbs so need a sturdy one too. Any suggestions? Thanks.

Francis
by fsrph
Sun Jun 18, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 1993

Re: Change Auto & Umbrella Insurance after 52 years?

I switched to Geico after being with State Farm for 35 years. SF raised rates slowly but surely till they were not competitive with other companies. I believe SF thought I'd never leave after being a customer for so long. No complaints with Geico so far. If your coverages are equal with the new Geic...
by fsrph
Tue Jun 13, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 1832

Re: Any advice on buying headstone for a grave?

Hi, this is my business so I think I can be of help. Which gray granite are they using? Elberton (Georgia Gray) or Barre Gray? Both are fine quality btw, the difference being Elberton Gray should be cheaper. I assume the imported is China gray and when it's polished it actually resembles Barre Gray...
by fsrph
Mon Jun 12, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 6129

Re: Have you canceled cable?

I dropped cable TV a few years ago. Use an antenna for local channels and a Sony Blu-Ray to stream. I don't miss cable altho once in a while I miss something I want to watch. It's especially difficult to view live sports except what's on the networks. It was easier for me to drop cable because I had...
by fsrph
Fri Jun 02, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 50
Views: 4955

Re: How does a mere mortal navigate healthcare/insurance issues

This issue of being directly billed for non network providers (that you had no choice in selecting) in an in network facility is a problem that needs to be addressed. This practice is unfair to consumers. This thread deals with anesthesiologists but also routinely occurs with er physicians and those...
by fsrph
Thu Jun 01, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 517
Views: 203407

Re: TV show recommendations?

Season 5 of House of Cards just recently added to Netflix.

Francis
by fsrph
Wed May 24, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 14269

Re: i am my own "guy," but not sure I should advertise that

I will talk about investing if the other party initiates the conversation. I've helped several coworkers set up 403b transfers and they were grateful. Of course I mention Vanguard but it's not a hard sell. If someone said an agent recommened an annuity I'll just say did you check what the fees are? ...
by fsrph
Sun May 14, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Looking for "old style" dot matrix forms 8.5" x 3.50"
Replies: 7
Views: 613

Re: Looking for "old style" dot matrix forms 8.5" x 3.50"

I need a very specific plain paper form - exactly 3.50 inches by 8.50 inches wide. Understandably, such dot matrix forms are disappearing. Any ideas or suggestions? That doesn't seem to be a standard paper size, it only has specialty uses, such as for card racks, door hangers, and buck slips. Are y...
by fsrph
Wed May 10, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 5694

Re: What newspaper or magazine do you pay for?

Subscribe to Golf Digest. Received a multi year deal with an extremely low price. Occasionally buy local newspapers, especially on Sundays but do not subscribe to any daily newspapers.

Francis
by fsrph
Sun May 07, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2869
Views: 843650

Re: What Movie Have You Recently Watched?

"Guardians of the Galaxy"

Sci fi with tons of CGI / special effects.
by fsrph
Wed May 03, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me that I'm holding too much cash
Replies: 62
Views: 8424

Re: Convince me that I'm holding too much cash

Virtually all of it is at Ally @1.05%. Cash could cover ~3-5 years of expenses. If you want to keep that much cash as part of a long term plan you could get a bit higher interest rate by starting to build a ladder of five year CD's. For example if the amount is $250K then you could break out the mo...
by fsrph
Thu Apr 20, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can Power of Attorney override POD designations?
Replies: 12
Views: 1646

Re: Can Power of Attorney override POD designations?

Silk McCue wrote:The answer is: It depends.

Please read this reference to get a sense of what is at play in this situation.

From my read you can construct the Power of Attorney to prevent this from happening.


http://info.legalzoom.com/can-power-att ... 21711.html


Thanks. That article is very informative.
by fsrph
Thu Apr 20, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can Power of Attorney override POD designations?
Replies: 12
Views: 1646

Can Power of Attorney override POD designations?

I use POD's (payment on death) on all my CDs. Down the line, hopefully many years from now, if my health deteriorates I plan to grant power of attorney to another person. Now I know to ask someone you completely trust and will honor your wishes. But, I was wondering what if they end up being not so ...
by fsrph
Sun Apr 09, 2017 6:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Conference 2017?
Replies: 34
Views: 5294

Re: Boglehead Conference 2017?

I'm a little confused about this issue. There was a statement that an announcement would be coming on April 5th about the conference. People mark the date. The announcement then is made on April 2nd.?? Then apparently there was a large response to a presale to those who attended in previous years. I...
by fsrph
Sun Apr 02, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 7911

Re: Is anyone decreasing % of bonds this year?

I moved some of my bond allocation to CDs that pay 2.7 - 3% altho that was in the past few years. Not sure if this really lowered bond percentage as I think of both bonds and CDs as fixed income investments.

Francis
by fsrph
Sat Apr 01, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 10056

Re: What career helped you become wealthy?

Well, my career is a pharmacist. But what allowed me to become financially independent was living below my means for decades.

Francis
by fsrph
Mon Mar 27, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Electric Space Heaters - Does expensive one heat better than cheap one?
Replies: 20
Views: 1122

Re: Electric Space Heaters - Does expensive one heat better than cheap one?

The higher priced ones frequently are safer. The ones that look like a radiator heater oil which circulates through the radiator. If something flammable comes into contact it won't burst into flames. They are safer. Here is a good primer from C.U. m I use the oil filled radiator heater in the bedro...
by fsrph
Mon Mar 27, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 48
Views: 4948

Re: Geico insurance rate increase: 26.24% APY?

Geico raised my rates at last renewal. No claims by me so called them for clarification. They told me there was an increase in claims in my area hence the increase. I'm only a Geico customer a few years. I hope they didn't give me a teaser rate to switch. Oh well, I'll stick with Geico for now. The ...
by fsrph
Mon Mar 27, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Electric Space Heaters - Does expensive one heat better than cheap one?
Replies: 20
Views: 1122

Electric Space Heaters - Does expensive one heat better than cheap one?

My electric heater needs replacement. I only use the heater for a few hours at a time but would like it to work quickly. There seems to be a wide range of pricing. I know higher priced heaters have more bells and whistles but do they heat any better than a cheaper unit. Most electric heaters, at any...
by fsrph
Thu Mar 23, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 5443

Re: How did you do your income taxes?

TaxAct. Switched from TurboTax a few years ago.

Francis
by fsrph
Fri Mar 17, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: won a car - want to sell
Replies: 13
Views: 3081

Re: won a car - want to sell

Do the opposite many do when buying a car. Email several dealers saying you have a new car to sell and explain how you acquired the car. Ask for their best price. Negotiate from there.

Francis
by fsrph
Tue Mar 07, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring house in estate
Replies: 1
Views: 193

Transferring house in estate

What is the easiest way to transfer a house deed in an estate. I'm the executor. Do I need an attorney or a title search? I'm from Pennsylvania if that matters.

Francis
by fsrph
Fri Feb 17, 2017 12:42 am
Forum: Personal Consumer Issues
Topic: Buying a car from repair shop - mechanics lien?
Replies: 9
Views: 1236

Re: Buying a car from repair shop - mechanics lien?

If the shop has a clear title to the vehicle why would they not just sell it on the open market? Why would they offer it to you for much less than retail? The cars repair costs may be more than the car is worth and they patched it together so it runs. If the owner didn't pay their bill and the car w...
by fsrph
Sat Feb 11, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 7478

Re: Terrible negotiator - need help with words to use [Buying a car]

I did what I suggested above. Emailed Fitzmall for a price on an Outback similar to what you're looking for. Msrp was 30,700 Their best price was 27,666 Believe me, when I was dealing with them they would not come down at all from this price. I think your dealer in Colorado is giving you a good pric...
by fsrph
Sat Feb 11, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 7478

Re: Terrible negotiator - need help with words to use [Buying a car]

I'm with the two posters who think you have a perfectly good deal as it is. Why not just take it and be happy? Life is too short to get exercised at this point. Count me in this group also. Sounds like you really like that particular car and want that one, OP. Buy it! Does it really matter if you g...
by fsrph
Sun Jan 29, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Is there a best way to buy a new vehicle that's not on the lot yet?
Replies: 24
Views: 2793

Re: Is there a best way to buy a new vehicle that's not on the lot yet?

Don't know where you live but if you're anywhere near the Mid-Atlantic area I recommend you give this place a try m. They are a high volume no haggle dealer. I'd email them with your requirements (even if the vehicle isn't on their lot) and they should give you their best price immediately. This way...
by fsrph
Thu Jan 26, 2017 7:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 10065

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Very Happy Birthday Taylor! Thanks for your knowledge, wisdom and everything you do for us fellow Bogleheads.

Francis
by fsrph
Sat Jan 21, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2869
Views: 843650

Re: What Movie Have You Recently Watched?

Hidden Figures I just saw this powerful, evocative, and uplifting newly released movie today. It connected with me deeply on so many levels: the power of math, the importance of fighting racism and sexism, and my early childhood memories of starting school immediately after Sputnik. Anyone else my ...
by fsrph
Wed Jan 18, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Tips for cancelling cable
Replies: 16
Views: 2163

Re: Tips for cancelling cable

I canceled Comcast cable by returning the set top box to the Comcast store. It was quick and painless. The guy there couldn't care less that I was dropping them. If you'd rather phone them, since you have a new provider, what could they say to make you stay? But you'd still have e to return their eq...
by fsrph
Mon Jan 09, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 4044

Re: Teeth whitening

Crest Whitestrips Professionals Effects. Work great. Sometimes they have e coupons on Amazon for them.

Francis
by fsrph
Sun Jan 08, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How to confirm old check was deposited
Replies: 3
Views: 508

How to confirm old check was deposited

I was cleaning out a drawer and found a check from 2014 (for a large amount) in an unsealed envelope addressed to Ally. It was from a redeemed cd. So I checked my Ally deposits for 2014 and this check wasn't there. I can't imagine I didn't deposit this check somewhere - but had several accounts in 2...
by fsrph
Wed Dec 28, 2016 6:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 8408

Re: My Christmas Gift to You.

Duplicate
by fsrph
Wed Dec 28, 2016 6:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 8408

Re: My Christmas Gift to You.

Merry Christmas to you Taylor. And have a blessed, healthy and wonderful 2017!

Francis
by fsrph
Mon Dec 26, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Decent quality reading glasses
Replies: 21
Views: 2058

Re: Decent quality reading glasses

Deleted
by fsrph
Tue Dec 13, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 16323

Re: How old is your vehicle?

2010 Forester 28k miles
2003 350z 60k miles
by fsrph
Sun Dec 04, 2016 11:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 6192

Re: livesoft is almost at 50,000 posts...

Livesoft is a tremendous asset to this community. Congratulations on your 50,000 posts. Keep em coming!

Francis
by fsrph
Sun Dec 04, 2016 11:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Wellesley Fund VWINX
Replies: 10
Views: 2667

Re: Vanguard Wellesley Fund VWINX

I own both of these funds. What's your desired asset allocation? Wellesley is about 40% stocks and 60% bonds. Wellington is the opposite. Some choose to place half in each of these funds resulting in a 50/50 asset allocation.

I see Wellesley with a dividend payment in June 2015.

https://advisors.vanguard.com/VGApp/iip ... undId=0027

Francis
by fsrph
Mon Oct 31, 2016 9:21 pm
Forum: Investing - Theory, News & General
Topic: Valor 7 yr/3% add on CD - deposits allowed for 30 days.
Replies: 2
Views: 810

Valor 7 yr/3% add on CD - deposits allowed for 30 days.

Good news for those who purchased Valor Credit Union's 7 year (3%) add on CD. A bit of history. Valor unilaterally changed the terms of this CD and did not allow any add on deposit. Due to pressure from the NCUA, Valor is allowing add on deposits for 30 days then no additional deposits allowed. Appa...
by fsrph
Mon Oct 24, 2016 5:44 pm
Forum: Investing - Theory, News & General
Topic: Do you get Bond Fund Dividends if You Sell Before Month End?
Replies: 11
Views: 1084

Re: Do you get Bond Fund Dividends if You Sell Before Month End?

Small Law Survivor wrote:How does this apply to stock dividends? If you sold a day before dividends are issued by a company that is held by the fund, are those pro rated in some way as well, or do you lose them? I've assumed you lose them, but uncertain ....


http://www.investopedia.com/ask/answers ... nddate.asp
by fsrph
Thu Oct 20, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Does your bank charge for paper statements?
Replies: 26
Views: 2508

Re: Does your bank charge for paper statements?

Not a bank but PenFed charges $1 a month if you want a paper copy of your consolidated account statement.

Francis