Search found 871 matches

by fsrph
Fri Oct 13, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 30
Views: 2423

Re: Outback Vs Forester Vs CR-V ??

All three are good choices. I went with the Forester because I wanted a manual transmission with the large sunroof. The Forester seemed to have more head and hip room. Also the Forester was less expensive than the Outback. Had the Forester for 7 years with no complaints. Service has just been mainte...
by fsrph
Fri Oct 06, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 1856

Paper checks, how safe are they?

I saw another thread https://www.bogleheads.org/forum/viewtopic.php?f=2&t=228799 about a retirement account being stolen by identity theft and one response (below) said not to use checks. "DO NOT use personal checks, if you can help it. Checks contain your bank account number, your address, and your...
by fsrph
Tue Oct 03, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4202

Re: Waxing my car!

Thanks for the tips on using the clay bar. I think I'll give it a try next time I wax the car.

Francis
by fsrph
Tue Oct 03, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4202

Re: Waxing my car!

A few posts recommended using a clay bar before waxing. I hear the results are good. I've never used one because I thought it was a slow, tedious process with a lot of rubbing. How do you use a clay bar? Can you use it more than once? Does it take a long time to clay bar an average car?

Francis
by fsrph
Sun Oct 01, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7358

Re: What will happen if I refuse to pay a medical bill?

Maybe I'm in the minority but I think the doctors office is at fault. When a patient calls and asks if you accept their insurance,and they respond yes, to me, that means I'm covered. If it's hard for providers to answer that question due to all the sub types of plans (Blue Cross hmo, ppo, gold, etc)...
by fsrph
Sat Sep 30, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4202

Re: Waxing my car!

I use Meguires cleaner wax
https://www.walmart.com/ip/Meguiar-s-Cl ... uid/871743

Plus Collinite sealant
https://www.amazon.com/Collinite-Liquid ... linite+wax

Awesome combo.

Francis
by fsrph
Sun Sep 24, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8342

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

There is no one surefire answer. One thing to consider if you ask your family physician for a recommendation is are they a member of a large physician group practice.?They tend to refer within their group. A good, but not foolproof way, is to ask an employee of a hospital. For surgeons ask an or nur...
by fsrph
Sun Sep 17, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7071

Re: Psychological effects of Early Retirement in peak earning years.

Thanks for all the replies. The post title was changed to Psychological effects, sorry about that. I agree with the posts that say it's important to retire "to" something rather than "away" from your job. I work for a hospital (for over 30 years) and the problems there is not just normal work stress...
by fsrph
Sat Sep 16, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7071

Psychological effects of Early Retirement in peak earning years.

I have a decent job and thru utilizing Boglehead principles I'm in a position financially to retire. Just generally have about 65x expenses, SS, estimate 3k per month at 70 plus pension of 22K at 65. Live in LCOL area. No debt, just monthly CC that I pay in full. I'm 58 and still working full time. ...
by fsrph
Wed Aug 30, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: How do you reverse a lifetime of frugality and learn to spend some money?
Replies: 59
Views: 6400

Re: How do you reverse a lifetime of frugality and learn to spend some money?

You've lived decades of your life reinforcing habits of saving and frugality. Here's a good article with reasons to spend more.
http://www.marketwatch.com/story/how-yo ... 2017-05-09

Francis
by fsrph
Tue Aug 29, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6609

Re: When to give resignation notice

Silverado wrote:
Tue Aug 29, 2017 5:20 pm
Just give the three months in a month. Simple.
This is what I would recommend as well.

Francis
by fsrph
Sat Aug 26, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is Geico a bait and switcher?
Replies: 32
Views: 4352

Re: Is Geico a bait and switcher?

I switched from State Farm to Geico a few years ago. Geico did raise my rates slightly but I wouldn't call them a bait and switcher. Being a long term SF customer meant nothing to them and they took it for granted that I'd always stay with them. The change to Geico was a very good move for me. Francis
by fsrph
Fri Aug 25, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 1912

Re: Subaru - One tire bad replace all four?

Doug E. Dee wrote:
Fri Aug 25, 2017 12:04 pm
Agreed at 7 years old to replace all 4.

How many miles on them? How does the tread depth look?
31k miles. They said the tread was still good and are wearing evenly.

Francis
by fsrph
Fri Aug 25, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 1912

Subaru - One tire bad replace all four?

Just has state car inspection on the Forester. One tire didn't pass inspection but they strongly recommended I purchase four new tires. Said Subaru's AWD needs four equivalently worn tires. The tires in question are almost 7 years old and said the one had dry rot. I should add that I like this indep...
by fsrph
Tue Aug 22, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2275

Re: Can you recommend a good mouse trap?

Victor snap trap with small amount of peanut butter as bait.

Francis
by fsrph
Fri Aug 18, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 212
Views: 24730

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: 7300

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: 9850

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: 21
Views: 3045

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: 2422

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. https://www.harborfreight.com/foldable-aluminum-sports-chair-62314.html This is the chair I was going to recommend. I own two of them, and they're the best chairs I've ever owned. ...
by fsrph
Thu Jun 29, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett's PBS interview
Replies: 2
Views: 817

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: 3029

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. http://www.sharkvalleytramtours.com. If you just want ...
by fsrph
Fri Jun 23, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2422

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: 2422

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: 2199

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: 2010

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: 6797

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: 5295

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: 535
Views: 208422

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: 14699

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: 658

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: 6284

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: 3015
Views: 881804

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: 8764

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: 1744

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: 1744

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: 5449

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: 8170

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: 10400

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: 1209

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: 5527

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: 1209

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: 95
Views: 5645

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: 3137

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: 201

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: 1355

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: 7805

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: 7805

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: 2872

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...