Search found 825 matches

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: 834

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: 6136

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: 6136

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: 2486

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 http://www.fitzmall.com. 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...
by fsrph
Thu Jan 26, 2017 7:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7357

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: 2424
Views: 613664

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: 1918

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: 3591

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: 416

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: 7326

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: 7326

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: 1800

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: 13891

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: 5376

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: 2341

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.van...
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: 697

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: 879

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: 1967

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
by fsrph
Fri Sep 30, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6510

Re: Where/how do Bogleheads get their tires inflated?

I use a multi function thing I bought from Costco. It is about $100. It has a battery to jump the dead battery and tire inflator. What is the name and do you have a link? Thanks. I'm not Thesues but here's what I bought to jump start my car and is also an air compressor. It also will charge many of...
by fsrph
Fri Sep 30, 2016 6:59 am
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6510

Re: Where/how do Bogleheads get their tires inflated?

Here's what I bought. https://www.amazon.com/Key-Power-13600Mah-Portable-Compressor/dp/B00VF6B8X6 It's a combo car jump starter and air compressor for your tires. No need to plug into cigarette lighter. Just recharge it when the indicator says to - I've been getting about four months between recharg...
by fsrph
Wed Sep 28, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas on Florida's Gulf Coast.
Replies: 31
Views: 2195

Re: Vacation ideas on Florida's Gulf Coast.

Don't know how close to Ocala you want to be but:

St.Pete Beach
Anna Maria Island
Sanibel
Longboat Key
Siesta Key

Further South:
Naples
Marco Island

Francis
by fsrph
Mon Sep 26, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 80
Views: 6453

Replace car battery after X years or wait till it dies?

Have a 2010 Forester with the original battery. Starts as well as when it was brand new. Heard today's car batteries can decline quickly with little advance notice. Is there a reliable test if the battery is still strong? With cold weather coming, should I replace it proactively or wait till it dies...
by fsrph
Mon Sep 19, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 6548

Re: Cities like New Orleans?

Charleston, S.C.
Savannah
Key West
by fsrph
Sun Sep 18, 2016 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: How do you view money over and above your number?
Replies: 50
Views: 5663

Re: How do you view money over and above your number?

None of your choices. Well, LTC may count. The extra 300k would just be a buffer for unforseen future events. There are so many retirement unknowns, like healthcare costs, your number today may need to be raised in the future. This may be a pessimistic view but I'd rather be pleasantly surprised if ...
by fsrph
Mon Sep 12, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds instead of CD's?
Replies: 23
Views: 2332

Re: Municipal Bonds instead of CD's?

Interesting @Rob5TCP....was this recently? If so, where are you getting 3% interest? The highest I've seen is in the 2.3 to 2.4 range. The 3% rate is in this link. Click on rates for IRA certificates. I believe the rate is only for retirement accounts. https://www.andrewsfcu.org/personal/checking-a...
by fsrph
Thu Sep 08, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Moving coverage from State Farm to GEICO
Replies: 16
Views: 1682

Re: Moving coverage from State Farm to GEICO

I switched from State Farm to Geico a few years ago. Very happy with the change. I was a State Farm customer for over 25 years and they were raising my rates slowly but consistently. No claims. I think they thought I was a customer for life using them for such a long time. The SF agent was surprised...
by fsrph
Wed Sep 07, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 258
Views: 23364

Re: How much is your cell phone bill?

Granted I use my cellphone very infrequently. Cost is $10/year. Grandfathered into Tmobil's pay as you go plan. Data set to wifi only. Started with $100 loaded to become a Gold level customer. Minutes carryover for 1 year. If you add more minutes yearly (this is where the $10 comes in) the minutes c...
by fsrph
Wed Sep 07, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 7453

Re: Should I upgrade my 6 year old plasma TV?

It's your personal preference. As someone else stated it's want vs need. I have a Samsung plasma and I'm very satisfied with it. But if you want the 4k TV and can afford it then go for it. I'd be a little concerned about how much OTA 4k content we will see. Remember 3d TV? The latest and greatest at...
by fsrph
Wed Sep 07, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Best way to sell a home in Florida
Replies: 32
Views: 3636

Re: Best way to sell a home in Florida

Perhaps you should consider one of the agents that live in the community. Forget not being impressed with them, the key criteria is do they make sales. Is either associated with a discount agency? This will solve your problem of who is going to show the property. And these agents surely know the dev...
by fsrph
Mon Sep 05, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: Best way to sell a home in Florida
Replies: 32
Views: 3636

Re: Best way to sell a home in Florida

I am considering selling a home I inherited in an over-55 community between W Palm Beach and Ft. Lauderdale. Does the community itself offer a way to list homes or condos for sale within the community? I know several communities in S. Florida who will post homes for sale to others in the community ...
by fsrph
Fri Sep 02, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Can company convert to auto renewal without your permission?
Replies: 13
Views: 1182

Re: Can company convert to auto renewal without your permission?

Op here. Just to answer a few questions. I understand receiving an annual bill to keep continuous service, that's OK. I then decide if I want to renew and send in a check. This is different, they are automatically continuing my contract and are debiting payment. No, I never gave them permission to d...
by fsrph
Thu Sep 01, 2016 11:20 pm
Forum: Personal Consumer Issues
Topic: Can company convert to auto renewal without your permission?
Replies: 13
Views: 1182

Can company convert to auto renewal without your permission?

Received my yearly bill for service contract for furnace and hot water heater repairs. In past years I always paid with a check. The last few years I've been debating if I should renew or not. This year the renewal letter said "for my convenience" on Oct 1st of each year they will automati...
by fsrph
Tue Aug 30, 2016 7:55 am
Forum: Personal Consumer Issues
Topic: Subaru owners - tin can sound, maybe heat shield?
Replies: 22
Views: 1772

Subaru owners - tin can sound, maybe heat shield?

Based on previous car threads it appears there's many Subaru owners on this forum. I have a 2010 Forester (26k miles) and it has been a great car. Recently I noticed a "tin can" sound coming from the front of the car near a specific rpm. It is most noticeable on cold starts and mostly fade...
by fsrph
Tue Aug 02, 2016 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: What should I do with $350k???
Replies: 17
Views: 3214

Re: What should I do with $350k???

I think I'd play it safe with Ally's savings account. Instant access to your money. 1% rate with no risk of loss if interest rates rise.

Francis
by fsrph
Thu Jul 28, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: asking for a higher hourly rate after interview
Replies: 30
Views: 2483

Re: asking for a higher hourly rate after interview

the recruiter will not come back to you for future jobs. I thought of this too, and I can live with this too. If you can walk away from both this new job with red flags and future contacts with the recruiter then, sure ask for more compensation. What is there to lose? But if I were the recruiter an...
by fsrph
Mon Jul 18, 2016 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed CC Rewards (hidden advantage if you like points to cash)
Replies: 11
Views: 1922

Re: Penfed CC Rewards (hidden advantage if you like points to cash)

slbnoob wrote:As of today, even the search doesn't show up VISA!
Sent an email asking them about it. Looks like my only other option is Amazon GC.


I just redeemed points for a $100 Visa card. Just typed Visa in search box and it came right up.

Francis
by fsrph
Mon Jul 18, 2016 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 7668

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

There is some info missing as to why the current business can't be sold or scaled down. But no matter what those answers are I think it's best to keep your current business. You're looking at 8 months off in the new business but you be doing that for the foreseeable future. Stay in your present busi...
by fsrph
Sun Jul 17, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 7535

Re: What's up with 4K tv? Should I buy one?

I'm waiting for holographic TVs before I upgrade. Currently I have a Panasonic plasma, superior to LCD, and nobody makes them anymore. Also one TV is enough for me. Since I've retired I don't watch it much. I like my Panasonic plasma too especially for movies in the dark. I like my Samsung plasma a...
by fsrph
Sun Jul 17, 2016 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Too much house???
Replies: 58
Views: 6114

Re: Too much house???

With a few assumptions, like is her income secure and is she going to continue to work for awhile, I think she could easily afford the house. One question is in her current expenses of 150k how much of that is current housing costs? If she owns a house or is renting that is money to put in the new h...
by fsrph
Sat Jul 16, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 7535

Re: What's up with 4K tv? Should I buy one?

I'd say pass on the 4k for now. Some major networks still broadcast in 720p. Doubt if they will make the major jump to 4k anytime soon. Remember 3d TV? Newest and greatest technology but little content. Sort of faded away. So, why would you want to pay a premium price for 4k now with little content ...
by fsrph
Sun Jul 03, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Roku TV without carrier?
Replies: 27
Views: 2395

Re: Roku TV without carrier?

I use Verizon to stream. You can stream from the router to the TV if your TV is a smart TV. I stream wireless to a Blu-ray player then with a hdmi cable to the TV. I do not have a smart TV, by choice. You can do something similar with the Roku. Are you on Verizon dsl or fios? If on dsl check on what...
by fsrph
Sat Jul 02, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 13660

Re: How many of you have cut cord?

I canceled cable TV. Using antenna for local channels and Netflix, YouTube and others for content. Generally very satisfied. The only issue is you miss a lot of live sports. Supposedly Sling TV has ESPN and tbs but haven't checked out Sling yet. But I don't consider myself a true cord cutter. I stil...
by fsrph
Sun Jun 12, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: Cats in yard, what to do?
Replies: 38
Views: 3408

Re: Cats in yard, what to do?

Show some kindness. They only want the same thing most of us do: Food, shelter, safety, health, love and to raise their offspring. It's worth the money spent. YB I agree. I would rather not take the cats to a shelter that will kill them. But, I don't want a long term problem either. Here's an updat...
by fsrph
Sun Jun 12, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: Cats in yard, what to do?
Replies: 38
Views: 3408

Re: Cats in yard, what to do?

celia wrote:
Tycoon wrote:Get a coyote. :beer

Coyotes multiply just as bad and, in many places, you aren't allowed to trap or kill them.

Then you'll have to get a mountain lion. 8-)


Then I'll have to get a leopard to keep the mountain lion population controlled.


Francis
by fsrph
Sat Jun 11, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Cats in yard, what to do?
Replies: 38
Views: 3408

Re: Cats in yard, what to do?

hicabob wrote:As my neighbor discovered, bless her heart, if people feed them consistently they multiply exponentially like a Boglehead IRA! Feral cats should at least be spayed.


That's what I was afraid of. I don't want any of the cats as a pet but leaving them there may be a long term problem.

Francis
by fsrph
Sat Jun 11, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: Cats in yard, what to do?
Replies: 38
Views: 3408

Cats in yard, what to do?

Was working in the yard today. On one side of the garage there was an area dug out going slightly under the garage wall. I saw one adult cat and four kittens using this as a home. So, what to do? Leave them alone, call SPCA or something else. I noticed neighbors leaving food in bowls outside, I thin...
by fsrph
Wed Jun 08, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: The cost of a root canal?
Replies: 38
Views: 3577

Re: The cost of a root canal?

I, unfortunately in terms of tooth structure, but fortunately in terms of there being effective treatment available, have had them done in two widely-separated places inside the US, but not at widely-separated times. Based on my experience, I'd say cost is highly location dependent. PJW Very depend...
by fsrph
Sun Jun 05, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: advice on life/work situation/stop full-time work?
Replies: 22
Views: 2242

Re: advice on life/work situation/stop full-time work?

I didn't read all of the replies so much of this may already been mentioned. You have many options. With your savings and business share you certainly can cut back on working. You probably can not work at all if you choose so. Your in a great position you can work as much or as little as you want. ....
by fsrph
Fri Jun 03, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement and opportunity cost, by Harry Sit
Replies: 144
Views: 13864

Re: Early retirement and opportunity cost, by Harry Sit

Sounds like a one-sided equation that only considers money as "opportunity cost" and fails to consider time as an "opportunity cost" as many posters have suggested should be added back in to that equation.... I agree with this. If you retire early and walk away from hundreds of ...

Go to advanced search