Search found 4448 matches

by FrugalInvestor
Tue Nov 21, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 38
Views: 3301

Re: Your favorite Costco wines?

One of our current favorites is 6th Sense Syrah 2015 from Michael David Winery in Lodi, CA for around $11.49. There are other Michael David wines in the same general price range that are often stocked at various Costco stores which we like as well including Freakshow and Petite Petit. These reds ten...
by FrugalInvestor
Sun Nov 19, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 34
Views: 1967

Re: service life of (walk behind) lawn mower?

I owned a Homelite mower with a Briggs and Stratton engine. When repair parts started to become more difficult to obtain (Homelite stopped offering mowers) and it started getting a little long in the tooth (12+ years) I purchased a John Deere brand. It turned out that I didn't like the Deere as well...
by FrugalInvestor
Fri Nov 17, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 41
Views: 2921

Re: Replace TVs with Smart Tvs or not?

There is no advantage to a smart tv over a streaming device providing you have HDMI input(s) on your TV. As a matter of fact, any brand of smart tv will limit you more than having the entire universe of streaming devices available to you.
by FrugalInvestor
Fri Nov 17, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Renting a car from Atlanta GA to Austin TX: $$$
Replies: 33
Views: 1602

Re: Renting a car from Atlanta GA to Austin TX: $$$

It's only a 13 hour drive. Why not drive round trip?

Or, consider flying to some intermediate location and then renting round trip.

Where there's a will there's a way.
by FrugalInvestor
Wed Nov 15, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3441

Re: Chromebook vs Windows 10?

Ditto. Do you have any recommendations for CBs as of today? Haven't used a windows laptop in a while.......all my work tools (citrix etc) are available on other platforms and they work well. Like I said, it really depends on the features that are important to you. The last Chromebook I participated...
by FrugalInvestor
Wed Nov 15, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 1785

Re: Chromebook/Similar for Elderly Dad

I would recommend this one.... https://www.amazon.com/HP-Performance-Chromebook-BrightView-Processor/dp/B0759JXK2H/ref=sr_1_4?s=pc&ie=UTF8&qid=1510760305&sr=1-4&keywords=hp+chromebook+14 It is not particularly small or light but I'm assuming it would not be used for travel. It has a large 14" screen...
by FrugalInvestor
Tue Nov 14, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3441

Re: Chromebook vs Windows 10?

That's hoew I do it when I'm at the nursing home (like now). I just use the Chromebook print function, and the printout is stored in the cloud. When I get home I turn on my PC and the printer, and out comes the printout. Do you have security concerns about doing this if what you want to print is co...
by FrugalInvestor
Mon Nov 13, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3441

Re: Chromebook vs Windows 10?

Ok. 2 needs. One is printing. Seems like a non issue with a chromebook and wireless printer. Second (huge) is that i like to download my Google drive to a flash drive once a month just in case. Can that be done with a chromebook? Yes you can download to a flash drive providing your chromebook has a...
by FrugalInvestor
Mon Nov 13, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3441

Re: Chromebook vs Windows 10?

... My 2 chromebooks each lasted only 2 years before dying. I think this is important to factor into price considerations. Although I would assume cheap Windows laptops to have similar build quality.... My 2 Chromebooks... one is 4 years old, one is 2 years old. Both are still going fine, although ...
by FrugalInvestor
Mon Nov 13, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10734

Re: The average American retiree household

To your original question - yes, this makes most conventional financial advice irrelevant for many of these people. It's amazing how many folks live their whole lives without ever considering their asset allocation, expense ratios, or withdrawal rates. So very true. I have family members in these c...
by FrugalInvestor
Mon Nov 13, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3441

Re: Chromebook vs Windows 10?

My wife has had a chromebook for several years. It's perfect for her, and has been so much less of a headache to be tech support for me. I strongly recommend one for internet browsing for anyone. That being said, a couple of downsides (not at all dealbreakers vs all the benefits) - - some issues pl...
by FrugalInvestor
Mon Nov 13, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3441

Re: Chromebook vs Windows 10?

black fri deals are almost upon us. You can get a Samsung Chromebook plus with a nice screen, touch enabled with a pen for $350 starting the 16th for instance. Shop around! https://www.samsung.com/us/shop/black-friday/ Thanks for that link. My wife will be very pleased!! :D As I read it the special...
by FrugalInvestor
Sun Nov 12, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3441

Re: Chromebook vs Windows 10?

Which ones do you guys have? I LOVE my chromebook too! And my wife loves hers. I got tired of keeping our Windows systems updated and dealing with security software, etc. With our Chromebooks there is none of that, they just work. Couple them with Google Wifi and you really have something! I can't ...
by FrugalInvestor
Sun Nov 12, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3441

Re: Chromebook vs Windows 10?

I LOVE my chromebook too! And my wife loves hers. I got tired of keeping our Windows systems updated and dealing with security software, etc. With our Chromebooks there is none of that, they just work. Couple them with Google Wifi and you really have something! I can't say enough good about our Chro...
by FrugalInvestor
Sun Nov 12, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Where to start investing?
Replies: 15
Views: 855

Re: Where to start investing?

I find mutual funds much easier to work with than ETFs since you just have to deal with $ amounts and not shares or share prices. Some folks do prefer ETFs. Not to mention bid/ask spreads. Keep it simple and stick with very low cost and diversified index funds. A 3-fund portfolio with Vanguard woul...
by FrugalInvestor
Sun Nov 12, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3236

Re: What's your weighted average expense ratio?

0.03. 8-) Wow! How did you get it so low? Posting was a little dweebish of me. It's not fair to compare me with others posting because I'm very new at this. Right now I hold almost 100% US stocks, mostly in institutional shares through my 403(b). The bondish part of my portfolio (low risk/certain r...
by FrugalInvestor
Sat Nov 11, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3236

Re: What's your weighted average expense ratio?

Mine is probably around .25, I don't bother calculate it, but I don't understand the point of these constant comparison posts that have been appearing lately. Nobody learns anything from them. What does it matter if someone else answers .01, .1, or 1%? How does knowing that benefit anyone? I don't ...
by FrugalInvestor
Sat Nov 11, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9667

Re: Retirees: I got this!!

Out of curiosity for those of you who have "opened the spigot", what do you spend money on now that you didn't before? An active retirement community with relatively high HOAs and the corresponding facilities and activities. It enhances our lives considerably. The resulting social interaction and c...
by FrugalInvestor
Sat Nov 11, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3236

Re: What's your weighted average expense ratio?

0.05%

Basically a 2-fund portfolio consisting of Total Stock Market and Total Bond Market.
by FrugalInvestor
Sat Nov 11, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 3846

Re: Growth of Medicare Advantage enrollment

I wish to ask a provider 1 question: Do you take Medicare. Period. It's not quite that simple. You can ask that question but the answer doesn't necessarily mean what you may think it does. The question you may intend to be asking is "do you accept Medicare assignment." Accepting Medicare assignment...
by FrugalInvestor
Sat Nov 11, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5597

Re: Costco for tires and car insurance?

I like Costco for tires, not only because their prices are good but also because they do mounting, balancing, torquing lug nuts, etc. correctly. But wait until the brand you want is on sale because they will be at least once per month. I've been watching for several months in anticipation of replac...
by FrugalInvestor
Sat Nov 11, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9667

Re: Retirees: I got this!!

I retired in 2003 at the age of 50 and was comfortable from the beginning even though I knew we needed to be careful with our spending. Then 2008 rolled around and that was scary! I was able to bring myself to buy more stocks during that time but never got back to my target allocation (60/40) so hav...
by FrugalInvestor
Sat Nov 11, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5597

Re: Costco for tires and car insurance?

I like Costco for tires, not only because their prices are good but also because they do mounting, balancing, torquing lug nuts, etc. correctly. But wait until the brand you want is on sale because they will be at least once per month. I made the mistake of buying my latest set of tires from a tire ...
by FrugalInvestor
Fri Nov 10, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6138

Re: Spam calls to cell phone...

We moved and kept our cell numbers from our previous (out-of-state) residence. The spammers like to call using fake numbers from your area code. Fortunately we have no one of significance who calls us from that area any longer so the spam calls are easy to identify. If it's from our old area code, w...
by FrugalInvestor
Fri Nov 10, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: WSJ: "A Former LTCM Partner Embraces Indexing, and Says You Should Too"
Replies: 15
Views: 1119

Re: WSJ: "A Former LTCM Partner Embraces Indexing, and Says You Should Too"

What page is the WSJ article on? I only read it online, sorry. It's in the Markets section (naturally), time stamp today, 8 a.m. ET, so perhaps it will only come out in tomorrow's print edition? Must be in tomorrow's. I couldn't find it in today's but could have overlooked it. With page number link...
by FrugalInvestor
Thu Nov 09, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: Wes Gray: Do Trend Folowing Managed Futures Increase Safe Withdrawal Rates?
Replies: 14
Views: 1026

Re: Wes Gray: Do Trend Folowing Managed Futures Increase Safe Withdrawal Rates?

I'm always skeptical of stuff I don't really understand and this is one of them. Here's an article suggesting that managed futures may not do what some say.... https://www.forbes.com/sites/greatspeculations/2012/07/31/nine-reasons-to-just-say-no-to-managed-futures/#2ace85b47862 Quote from article: M...
by FrugalInvestor
Tue Nov 07, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4329

Re: I Cut the Cord yesterday!

Its odd that people brag about cutting the cable then they purchase other services to replace cutting the cable. Netflix, hulu, youtube tv, playstation tv, etc etc. I cut cable a year ago and the savings have been minimal to me (~$10-$20 per month), however I'm really glad that I made the move beca...
by FrugalInvestor
Tue Nov 07, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4329

Re: I Cut the Cord yesterday!

How could you connect to the outside world by cutting cord? Do you use wireless ISP? Cut one of the two cords. The one I cut was the most expensive - by far. two cords for your home before? one cold water and another hot water? now you cut the heated one for savings? But I'm not without hot water. ...
by FrugalInvestor
Tue Nov 07, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4329

Re: I Cut the Cord yesterday!

WhiteMaxima wrote:
Tue Nov 07, 2017 3:54 pm
How could you connect to the outside world by cutting cord? Do you use wireless ISP?
Cut one of the two cords. The one I cut was the most expensive - by far.
by FrugalInvestor
Tue Nov 07, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4329

Re: I Cut the Cord yesterday!

Just wanted to say loud and proud that I finally cut the cord from cable yesterday! I now only get internet from Spectrum and we have youtube TV (I had to have access to ESPN) for our channels along with hulu and netflix. It feels great to return all of the equipment to Spectrum. It was funny becau...
by FrugalInvestor
Tue Nov 07, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4329

Re: I Cut the Cord yesterday!

The more I read this the more lost I get. I guess it's like the confusion some people feel doing math. I'm surpried there are not independent companies that will piece these things together for you based on your needs and desires. Based on the prices from the new providers coming out (Youtube TV, S...
by FrugalInvestor
Tue Nov 07, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 53
Views: 3462

Re: Car battery?

I also live in a very hot climate. My strategy is to buy a 'standard' reasonably priced battery with the best warranty I can find. My current one which I bought at the dealer for the same price as the auto stores were selling theirs is 36 months free replacement and 100 months pro-rated. It died at ...
by FrugalInvestor
Tue Nov 07, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4329

Re: I Cut the Cord yesterday!

And if you want the premium cord cutting experience, I highly recommend that after you get your antenna, get a DVR for over the air broadcasting. I got mine from Channel Master and it is awesome. One time charge, and if you get the wifi connected model, they provide you a full channel guide on the ...
by FrugalInvestor
Mon Nov 06, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4329

Re: I Cut the Cord yesterday!

Its odd that people brag about cutting the cable then they purchase other services to replace cutting the cable. Netflix, hulu, youtube tv, playstation tv, etc etc. I went from about $180/month with cable to $85 with Youtube TV plus internet. Just because I didn't go to $0 doesn't mean I'm not very...
by FrugalInvestor
Sun Nov 05, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7718

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

1. I've simplified our portfolio to 2 primary funds, Total Stock Market and Total Bond Market, with a very small percentage in cash or cash equivalents. 2. All accounts are consolidated to absolute minimum number of firms where both my wife and I have authorization to manage all accounts. 3. Educate...
by FrugalInvestor
Sun Nov 05, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: How to Label Plastic Boxes
Replies: 15
Views: 940

Re: How to Label Plastic Boxes

I use a Brother label maker that plugs into my computer. I've had labels on plastic totes in my garage for about 10 years now with no degradation or peeling. Similar to this...various models available: https://www.amazon.com/Brother-P-Touch-Connectable-Label-PT-P700/dp/B00DSYEB28/ref=sr_1_11?ie=UTF8...
by FrugalInvestor
Thu Nov 02, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7586

Re: Does Retirement Make You Lazier?

No, retirement has made me more active. I do all that stuff you outsource and more. I spend regular time at the gym, and hiking, biking, etc. I have many friends and socialize often (almost never did when working except work related which is not the same). My overall physical and mental health is mu...
by FrugalInvestor
Tue Oct 31, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Get Lexus service at Toyota and save?
Replies: 29
Views: 1793

Re: Get Lexus service at Toyota and save?

When I owned my last Lexus, a RX330 which was mechanically equivalent to a Toyota Highlander at the time, I took it to the Toyota dealer for all service except warranty work. I did this because I found the same kind of price differences you are seeing. The waiting room wasn't quite as plush at the T...
by FrugalInvestor
Mon Oct 30, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 97
Views: 7171

Re: Is it difficult to switch from an iPhone to an Android?

My wife went from an iPhone to a Nexus 5x on Google Fi. She likes some things about each phone better than the other but overall liked the iPhone best. However, the price of the Fi service at between $20 and $25/month for her has won out. Since we use chromebooks Google Fi also integrates very well ...
by FrugalInvestor
Mon Oct 30, 2017 3:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or not to Avatar . . how did you choose or not choose?
Replies: 115
Views: 5199

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I found a nice picture of a coin from the reign of Ethelred the Unready to use as my avatar, but I couldn't find a way to get it to fit the tiny 8kb file size limit, so I gave up. The End. I checked one of the other forums I regularly visit, and the size limit is 64k. Why is the limit so small here...
by FrugalInvestor
Mon Oct 30, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: How do I invest in a vanguard trust
Replies: 10
Views: 674

Re: How do I invest in a vanguard trust

Gill wrote:
Mon Oct 30, 2017 9:57 am
barnaclebob wrote:
Mon Oct 30, 2017 9:34 am
My guess is that this trust is not available to retail investors and you'll have to just invest in admiral shares like the rest of us pheasants.
Pheasants or peasants?
Gill
I like pheasants. Birds of a feather flock together and here we all are at Bogleheads! :happy
by FrugalInvestor
Sun Oct 29, 2017 9:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or not to Avatar . . how did you choose or not choose?
Replies: 115
Views: 5199

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I wanted an Avatar representing "ignore the noise" because it's such an important Boglehead principle.
The one I chose also just happens to look just like me in one of my better moments. :D
by FrugalInvestor
Sun Oct 29, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Timing with Total Stock Market ETF
Replies: 21
Views: 1603

Re: Timing with Total Stock Market ETF

Finally, I never really get these strategies that people come up with then say, "I will only do this with 10% or 20% of my money." Brilliant points everyone. I'm quoting above to acknowledge that I myself was doubtful with the strategy/working hypothesis, I thought even if I ask a vague question, p...
by FrugalInvestor
Sun Oct 29, 2017 4:27 am
Forum: Personal Finance (Not Investing)
Topic: VG free turbo tax?
Replies: 26
Views: 2207

Re: VG free turbo tax?

Mel Lindauer wrote:
Sat Oct 28, 2017 12:38 pm
That was my favorite Flagship perk. Was really sorry to see it discontinued. Sure wish they'd bring it back (Hint, hint, Vanguard.)
+1. Definitely the Vanguard perk I valued most and the only one I regularly took advantage of. Vanguard should brink it back.
by FrugalInvestor
Sat Oct 28, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15103

Re: What was the main reason you retired?

Not to hijack the thread, but those who answered that they disliked the job makes it a bit sad. Great you have enough to do what you want AFTER spending 30+ years doing something you disliked. Seems that one wasted a LARGE portion of their youth just to make money that they may or may not take adva...
by FrugalInvestor
Sat Oct 28, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15103

Re: What was the main reason you retired?

3,4,7,8,9. Plus both father an grandfather died in their late 50's and I wanted some time to enjoy retirement - which they didn't have. I was close enough to my number that I felt we could make it work and my wife agreed. We have, and it's turned out well. We could have had more money but money isn'...
by FrugalInvestor
Sat Oct 28, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18604

Re: Early-retired 35 year old with $1 million

But good luck giving it a try for a while! Welcome to the Forum! JW And good luck trying to find a job you'll be happy with after laying out of the job market for awhile. And then good luck stretching your money into normal retirement years. And then good luck living in your normal retirement years...
by FrugalInvestor
Fri Oct 27, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 2987

Re: bedroom color-current trend?

When we were looking to buy, we were kind of irked when the seller spent money on paint, carpet, countertops/cabinets, in colors we did NOT like. Would much have preferred to get $ off the price so we can have our choice of colors. Fast forward a bunch of years. Now we will be the sellers! All what...
by FrugalInvestor
Fri Oct 27, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 2987

Re: bedroom color-current trend?

Gray ugh. Never in my house. Worse than glare white. Seriously, who paints their house according to what someone declares is fashionable. People that want to be fashionable. In 3 years it will all shift to something else. I just hope wood paneling doesn't make a come back.... Sorry..... http://www....