Search found 4694 matches

by FrugalInvestor
Sun Jun 24, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 64
Views: 4981

Re: Retirees: When you cut spending, what do you cut?

When we early retired in 2003 we calculated our 'base' budget and our 'target' budget. The base budget was not 'bare bones.' It still included a reasonable amount of local eating out, entertainment, new clothing, home and car maintenance, etc. But it included no travel, home remodel projects, vehicl...
by FrugalInvestor
Sun Jun 24, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 38
Views: 3546

Re: Looking for Mazda CX-9 Feedback

We have a 2016 CX-9 Touring, and it is an amazing SUV. We just helped a friend move and you would not believe how much stuff can be packed in there. The 2-3-2 seating is excellent for the vast majority of daily uses. It's a very serious near-luxe car, and the engine design is downright technically ...
by FrugalInvestor
Sat Jun 23, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 38
Views: 3546

Re: Looking for Mazda CX-9 Feedback

Isn’t the RDX and CX-9 two different categories? Have you checked out the Infiniti QX60? That may be another option...similar class as the CX-9? Size isn't the primary consideration - either category would work. The CX-9 appears to be an excellent value for the money. The QX60 looks to be over $50,...
by FrugalInvestor
Sat Jun 23, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 38
Views: 3546

Re: Looking for Mazda CX-9 Feedback

Look at the Acura rdx with acura watch which is in the middle range. Tech pkg not worth extra $4K Bought a new 2016 and love the car. rides and handles nicely gas mileage around town 19-20 get 29-30 on steady highway great cruise control that slows car down when other cars pull in front of you at s...
by FrugalInvestor
Sat Jun 23, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 38
Views: 3546

Re: Looking for Mazda CX-9 Feedback

We're getting close to buying a vehicle. Any further first-hand feedback on the CX-9? You should check out the latest issue of Car & Driver. They just finished up a long-term, 40K mile evaluation of the CX-9. I won't recap the review here, but it was a very favorable review overall. Thanks for the ...
by FrugalInvestor
Fri Jun 22, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 38
Views: 3546

Re: Looking for Mazda CX-9 Feedback

We're getting close to buying a vehicle. Any further first-hand feedback on the CX-9?
by FrugalInvestor
Fri Jun 22, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 38
Views: 3546

Re: Looking for Mazda CX-9 Feedback

Deleted
by FrugalInvestor
Fri Jun 22, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5189

Re: Surprise - Costco sells - but does not install vehicle batteries

Where I live we're lucky to get 3 years out of a new battery and usually don't get that much. I've learned to shop for the best warranty. The last new one I purchased had a 3-year free replacement warranty and I got the free replacement at about 30 months (it's then pro-rated to 100 months). That ha...
by FrugalInvestor
Fri Jun 22, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5189

Re: Surprise - Costco sells - but does not install vehicle batteries

Takes 10 min to install a new battery. Would you pay others $50 install fee? In our area installs are free. 10 minutes to install a battery sure. But how long does it take to get a ride to the store. It's not like every dead battery happens in front of someones house? AAA my friends saves time. Tim...
by FrugalInvestor
Fri Jun 22, 2018 1:49 am
Forum: Personal Consumer Issues
Topic: Most vs. Least satisfying home impovements
Replies: 35
Views: 3254

Re: Most vs. Least satisfying home impovements

The local utility subsidized the energy audit which guided the contractor in what upgrades would be most beneficial. We also let the contractor know what our issues were with the house like areas with uneven heat, noise from outdoor units as well as air intakes and registers, etc. All of this inform...
by FrugalInvestor
Fri Jun 22, 2018 1:17 am
Forum: Personal Consumer Issues
Topic: Most vs. Least satisfying home impovements
Replies: 35
Views: 3254

Re: Most vs. Least satisfying home impovements

In our last house we replaced carpet in the master bath with ceramic tile and added floor heat. It was a nice cosmetic and functional addition and is definitely something I'd do again. In our current home we recently replaced our 13-year-old builder grade A/C with a much higher efficiency variable s...
by FrugalInvestor
Fri Jun 22, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5189

Re: Surprise - Costco sells - but does not install vehicle batteries

WhiteMaxima wrote:
Wed Jun 20, 2018 10:59 am
Takes 10 min to install a new battery. Would you pay others $50 install fee?
In our area installs are free.
by FrugalInvestor
Thu Jun 21, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 62
Views: 3804

Re: "Never time the market" vs. lump sum investment

I think that just like choosing an appropriate asset allocation for your investments, deciding between a lump sum vs. periodic strategy comes down to which allows you to sleep well (or better) at night and stick with your decision . Over the long-term the market goes up so there's a greater likeliho...
by FrugalInvestor
Tue Jun 19, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Need help from alchemists
Replies: 6
Views: 842

Re: Need help from alchemists

This calculator says that the gold value is about $69.

http://coinapps.com/gold/14k/calculator/
by FrugalInvestor
Tue Jun 19, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 129
Views: 7467

Re: gray hair

dm200 wrote:
Tue Jun 19, 2018 1:38 pm
Due (I believe) to heredity - in my mid 70's - my hair has only a little gray.
Ahem........I think that would be hairedity. :D
by FrugalInvestor
Tue Jun 19, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Buying 3 Funds
Replies: 11
Views: 773

Re: Buying 3 Funds

At what amount of money does it makes sense to dollar cost average going into the funds, or does it just make sense to buy? There isn't a 'right' answer. Like choosing an asset allocation that lets you sleep at night whether you lump sum or dollar cost average is only for your psychological comfort.
by FrugalInvestor
Tue Jun 19, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Buying 3 Funds
Replies: 11
Views: 773

Re: Buying 3 Funds

So I am asking if I make my buys, do they go in immediately or is it end of day or something else for buying VTSAX, VTIAX, and VBTLX? The price is as of the end of the trading day but there is an earlier cut-off for placing the trade. I can't tell you exactly when that is but I believe that when yo...
by FrugalInvestor
Tue Jun 19, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Buying 3 Funds
Replies: 11
Views: 773

Re: Buying 3 Funds

Call Vanguard and ask about the specific timing of trade placement/execution, then you'll know that the answer you get is correct with regard to your account. In general the trade will happen at the close of today's market but there is an earlier cut-off time for the trade to be placed. You can wait...
by FrugalInvestor
Mon Jun 18, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1443

Re: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)

That's great to hear and I'm glad I was wrong. I give her a lot of credit (and you too)!
by FrugalInvestor
Sun Jun 17, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 7546

Re: Which Supermarket are you?

We shop at Costco, Safeway, Trader Joe's, Sprouts and WalMart depending on the item and convenience. We spend the bulk of our grocery dollars at Costco because we purchase meats, wine and other high value items there. We shop most frequently at Safeway because it's the closest by far. We purchase sp...
by FrugalInvestor
Sun Jun 17, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 22
Views: 1601

Re: Has Anyone Tried Youtube TV?

No one has mentioned PBS. Nova, Nature, Newshour have been important to us besides MSNBC and CNN. Seems there's no solution to keeping cable? RbH I want those too. Both CNN and MSNBC are part of the YouTube TV lineup. To stream PBS you'll need to pay (donate) $5/month and use their app or (as I do)...
by FrugalInvestor
Sun Jun 17, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 22
Views: 1601

Re: Has Anyone Tried Youtube TV?

I tried it on a free trial. The main thing I didn't like that is that you can override the poor decisions their DVR sometimes makes. For example, I recorded a Formula One race. A couple of days later when I went to watch it, the original live version had been overwritten with a later abbreviated re...
by FrugalInvestor
Sun Jun 17, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 22
Views: 1601

Re: Has Anyone Tried Youtube TV?

We've used YouTube TV for about a year now and like it very much. Prior to YouTube TV we tried many of the others including Sling, DirecTV NOW and Playstation Vue (and a couple of others for free trial periods). Most of the others had technical problems from time-to-time. YouTube TV has been bulletp...
by FrugalInvestor
Sat Jun 16, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with smart home and home security? What to buy and how?
Replies: 5
Views: 649

Re: Anyone familiar with smart home and home security? What to buy and how?

My suggestion for smart home is to go slowly and start with one or two things that are high priority. We have a hot water circulating pump so that we have "instant" hot water at the times we need it (like showers). I didn't like having it on a timer because it was often running when not really neede...
by FrugalInvestor
Sat Jun 16, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16183

Re: Should I take possession of a certified mail?

In my area (Los Angeles), the concrete companies send them to every property owner, just in case the contractor does not pay. The letter contains a threat to put a lien on the house. The point of the certified letter is to show proof that the property owner was contacted, so if the letter isn't sig...
by FrugalInvestor
Sat Jun 16, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16183

Re: Should I take possession of a certified mail?

In my area (Los Angeles), the concrete companies send them to every property owner, just in case the contractor does not pay. The letter contains a threat to put a lien on the house. The point of the certified letter is to show proof that the property owner was contacted, so if the letter isn't sig...
by FrugalInvestor
Thu Jun 14, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1443

Re: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)

I think I might look for a solution that simplifies her investments but takes her concerns into account rather than trying to change her whole philosophy of investing. Ending the performance chasing and high expenses is going to make the largest positive impact. I don't think that focusing on domest...
by FrugalInvestor
Thu Jun 14, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Upping federal withholding allowances didn't work?
Replies: 15
Views: 1205

Re: Upping federal withholding allowances didn't work?

My recollection is from a long time ago and things may have changed but I seem to remember being able to specify a fixed amount to be withheld from earnings each pay period rather than controlling that number through designation of number of dependents.
by FrugalInvestor
Wed Jun 13, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 103
Views: 14129

Re: [favorite] Boglehead quotes

One of my favorites of all time is one used often by Jack Bogle..... "Don't just do something; stand there." Little did I know (before a quick Google search) that it was around long before Jack first used it. In case there's at least one other Boglehead who didn't know this, here's the interesting h...
by FrugalInvestor
Wed Jun 13, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16183

Re: Should I take possession of a certified mail?

imyeti2 wrote:
Tue Jun 12, 2018 12:11 pm
Anyways, as many other have indicated, will go forward and take possession of the letter. Thanks.

Yeti,
And let us know what it is, the suspense is excruciating!
by FrugalInvestor
Wed Jun 13, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 103
Views: 14129

Re: [favorite] Boglehead quotes

BogleBoogie wrote:
Wed Sep 30, 2015 9:53 pm
CABob wrote:I can't recall where I first heard it, but one that always makes me chuckle is:
"Don't believe everything you read on the internet." Abraham Lincoln
I actually know the guy that created that quote/joke who first posted it on this site in '97.
I bet the guy was Abraham Lincoln.
by FrugalInvestor
Wed Jun 13, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: home theater equipment
Replies: 5
Views: 411

Re: home theater equipment

Thank you for all the replies. Much apprrciated. I want to add that I have built in speakers on the ceiling. It looks like i only need to buy the receiver and the cable. Another question. What do those colors on wall plate indicate? There's a positive and negative terminal on each speaker which nee...
by FrugalInvestor
Tue Jun 12, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7060

Re: Boring Job

I had a factory job once, just out of high school in the summer. I operated a machine that had a minimum cycle time (less than 1 minute for about four activities that overlapped) and the only challenge was making sure that the machine never slowed down. It was a bit of a challenge for about the firs...
by FrugalInvestor
Tue Jun 12, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Why don't we index the Nasdaq too?
Replies: 16
Views: 2006

Re: Why don't we index the Nasdaq too?

alex_686 wrote:
Tue Jun 12, 2018 4:57 pm
First, what does FWIW mean?
For whatever it's worth FWIW means 'for whatever it's worth.' :happy
by FrugalInvestor
Tue Jun 12, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3374

Re: Wifi + wired device

Be aware that you will not get your full internet speed through your extender. It's best to locate your extender between your router and computer, not next to the computer. The further away it is the more the speed will be reduced. This is not saying that it won't be sufficient but just something to...
by FrugalInvestor
Mon Jun 11, 2018 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 75
Views: 9575

Re: Who uses the 3 fund portfolio ?

4..couldn't decide on the bond fund so I bought both BND and BIV Between us we average 3. I had 3 but never was never dedicated to Total International. I needed income beyond dividends in retirement and also needed to keep income down for ACA purposes. Total International had the lowest cap gains s...
by FrugalInvestor
Sun Jun 10, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 1756

Re: Buying CPO Lexus - any advice appreciated

delamer wrote:
Sun Jun 10, 2018 12:54 pm
The best negotiating tactic is the willingness to walk away.
+1
Remember that there many other Lexus dealers with CPO cars.
by FrugalInvestor
Sun Jun 10, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31350

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

You can convert Vanguard funds to their corresponding ETFs without any tax consequences. It is a one-way conversion. With exceptions (from Vanguard's website here https://investor.vanguard.com/etf/faqs, bolding in body of response is mine)...... Can I convert my conventional Vanguard mutual fund sh...
by FrugalInvestor
Sun Jun 10, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31350

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

I believe that converting admiral shares to investor shares or ETFs is not a taxable event, as long as it is in the same fund. I couldn't quickly confirm that (and would like to know) but I did find this on Vanguard's website..... Can I convert my conventional Vanguard mutual fund shares to Vanguar...
by FrugalInvestor
Sat Jun 09, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31350

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

Those of you on the 'old' and 'new' platforms, what is the length and alphanumeric structure of your account number on your statements? On the old platform, my mutual fund account numbers are 11 digits. All funds are in one "box" online in the Balances and holdings screen, and they all show the 4-d...
by FrugalInvestor
Sat Jun 09, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31350

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

Did this letter have anything to do with the new "platform" that is being discussed? No. What is being discussed here is Vanguard's attempt to convert all mutual fund only accounts to brokerage accounts. Interesting "say what" on the Pershing to Vanguard change. In downloading to Morningstar we sti...
by FrugalInvestor
Sat Jun 09, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31350

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

How do I tell from my online account or statement which type of account I have? Something changed with my Vanguard account years ago but I don't remember exactly what it was. What I do remember is that my statements changed (I think they included a brokerage account but am not positive). I called V...
by FrugalInvestor
Sat Jun 09, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11166

Re: Are you including SS in your planning model? Are the benefits really that high?

My approach was always to do my retirement planning without Social Security. This was not because I didn't think it would exist for me but rather because I knew the risk of underestimating retirement income was much greater than the risk of overestimating it. I also knew that in trying to precisely...
by FrugalInvestor
Sat Jun 09, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11166

Re: Are you including SS in your planning model? Are the benefits really that high?

My approach was always to do my retirement planning without Social Security. This was not because I didn't think it would exist for me but rather because I knew the risk of underestimating retirement income was much greater than the risk of overestimating it. I also knew that in trying to precisely ...
by FrugalInvestor
Sat Jun 09, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5453

Re: Jack Bogle on Fox Business Channel Friday June 8

Another 5 minutes from the interview. https://m.youtube.com/watch?v=RC__VrsfdpM at 1:42 he says 'there will be opportunities - we have seen them in the last 25 yrs - to get out and get back in'. I am not sure whether he is advocating market timing, perhaps based on extreme valuations (as he elsewhe...
by FrugalInvestor
Fri Jun 08, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5150

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

Here's a good article on the subject.... https://asm-air.com/airconditioning/air-conditioner-freezing-up/ I agree with the poster who mentioned the possibility (there are many possibilities) that you are using filters that are too restrictive. They seem to be pushed these days for allergies, etc. bu...
by FrugalInvestor
Fri Jun 08, 2018 12:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31350

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

How do I tell from my online account or statement which type of account I have? Something changed with my Vanguard account years ago but I don't remember exactly what it was. What I do remember is that my statements changed (I think they included a brokerage account but am not positive). I called V...
by FrugalInvestor
Thu Jun 07, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31350

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

How do I tell from my online account or statement which type of account I have? Something changed with my Vanguard account years ago but I don't remember exactly what it was. What I do remember is that my statements changed (I think they included a brokerage account but am not positive). I called Va...
by FrugalInvestor
Thu Jun 07, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 1961

Re: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?

ytm wrote:
Thu Jun 07, 2018 1:00 pm
I think getting those pictures posted on this website was the first technical thing I've done in my lifetime. :D
Nice job ytm!! :sharebeer