Search found 4499 matches

by FrugalInvestor
Sun Jan 14, 2018 12:03 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 10263

Re: Dave Ramsey's Millionaire Study

Dave Ramsey isn't going to change his tune because he makes money by giving his endorsement to the advisers you want him to disavow. See this page and specifically the references to 'ELPs'.... https://www.daveramsey.com/blog/millionaire-secrets Quote from page.... For more details and to find high-r...
by FrugalInvestor
Fri Jan 12, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 7887

Re: Credit card keeps getting hacked, even when unused! (4x now!)

My primary card from Citi Bank allows me to use 'virtual' or temporary card numbers. Other banks offer this service but not on all cards (I have a second Citi card that doesn't offer the feature). I use a virtual card number for all online purchases or when I give a card number out verbally. It invo...
by FrugalInvestor
Thu Jan 11, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: anyone else enjoying an afternoon nap in retirement?
Replies: 19
Views: 1776

Re: anyone else enjoying an afternoon nap in retirement?

I can, but I don't want to get into the habit. I have retired friends who can't go without an afternoon nap.
by FrugalInvestor
Thu Jan 11, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 1511

Re: Kenmore Washer Dryer

I would be concerned that the warranty might not be worth much if Sears goes belly up. https://www.usatoday.com/story/money/2018/01/10/sears-ceo-eddie-lampert/1019752001/ That's my concern with anything Sears these days. We used to buy most of our appliances there but for the last couple of purchas...
by FrugalInvestor
Sun Jan 07, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2303

Re: "Sharing" Internet/WiFi with neighbors?

Concise article on the subject here..... https://www.pcworld.com/article/2079506/how-to-share-internet-service-with-your-neighbors-and-why-you-shouldnt.html From the article: You can do this, and depending on your homes' geography, it might even be relatively easy. I'm going to tell you how to do it...
by FrugalInvestor
Sat Jan 06, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2698

Re: Sling TV experiences

Vue is good I had problems with Playstation Vue. The last straw was when I was in the middle of a playoff baseball game, the screen went black and a message popped up to the effect that the game was blacked out in my area. Well, it was on Vue but it shouldn't have been. Needless to say I immediatel...
by FrugalInvestor
Sat Jan 06, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4550

Re: New Honda CRV - first oil change full synthetic?

Full synthetic (Mobil 1) is an excellent choice. Just don't let the dealer tell you that you need the change the oil any more often than the maintenance minder or manual recommends (probably every 7,500 miles or 1x per year if you drive less than that).
by FrugalInvestor
Sat Jan 06, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2698

Re: Sling TV experiences

Vue is good I had problems with Playstation Vue. The last straw was when I was in the middle of a playoff baseball game, the screen went black and a message popped up to the effect that the game was blacked out in my area. Well, it was on Vue but it shouldn't have been. Needless to say I immediatel...
by FrugalInvestor
Sat Jan 06, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2698

Re: Sling TV experiences

it was actually cheaper for Youtube TV based on the bundle of channels I wanted (essentially CNBC, CNN, ESPNs, Fox Sports). Wait...I thought Youtube TV didn't carry CNN (or any other Turner channels). Has this changed? That's an important factor for me. No, it has not changed. No CNN or TBS on YouT...
by FrugalInvestor
Fri Jan 05, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2698

Re: Sling TV experiences

We had technical glitches (picture quality degradation, drop-outs, buffering, etc.) with Sling, DirecTV Now and Playstation Vue. This was all a few months ago so things may have changed although a friends is now having similar problems with DirecTV Now. Last July when YouTube TV came to our market w...
by FrugalInvestor
Wed Jan 03, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Two vastly different career considerations...Stability vs. Income
Replies: 64
Views: 4032

Re: Two vastly different career considerations...Stability vs. Income

I don't think anyone can answer this question for you. The two jobs you describe are so dissimilar that I think it should be a pretty easy call for you to say which you would be most comfortable with - and I sincerely doubt it would be a close call. All I can say is don't let money alone be the dete...
by FrugalInvestor
Mon Jan 01, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: Advice on advisor for retirement
Replies: 7
Views: 646

Re: Advice on advisor for retirement

You can post the specifics of your portfolio and questions here and you'll likely get better advice than any advisor will give you. You'll need to filter it a bit by asking questions but will find that pretty easy to do. The collective knowledge here is impressive and there is no conflict of interes...
by FrugalInvestor
Mon Jan 01, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Proceeds from RE sale go where for retirement?
Replies: 11
Views: 685

Re: Proceeds from RE sale go where for retirement?

Have you previously decided on an overall allocation plan for your investable assets (usually referred to on this forum for short as "AA" = "asset allocation")? The standard "minimal" decisions we make here are (1) % of stocks versus fixed income in general (2) within your stocks, % of domestic ver...
by FrugalInvestor
Mon Jan 01, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Proceeds from RE sale go where for retirement?
Replies: 11
Views: 685

Re: Proceeds from RE sale go where for retirement?

zz4 wrote:
Mon Jan 01, 2018 11:08 am
LTC insurance will be investigated for sure.
Investigate it thoroughly by searching here for previous discussions. It's a difficult subject and highly dependent upon your personal/family/financial situation as well as your best guess of the future of the product.
by FrugalInvestor
Sun Dec 31, 2017 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard via rollover. Does this plan of action sound good for the current high market?
Replies: 39
Views: 2601

Re: New to Vanguard via rollover. Does this plan of action sound good for the current high market?

First of all, the market is high compared to where it has been and low compared to where it in all likelihood will be. In between any two of those points it's very bumpy but generally rising. Three suggestions: 1. Read more here about developing a plan and do it. 2. Read more here about the 3-fund p...
by FrugalInvestor
Sun Dec 31, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3717

Re: Car headlights or Daytime Running Lights - what do you do?

My DRLs are always on (when headlights are off).
I manually turn on the headlights anytime driving conditions are less than ideal which encompasses many possible situations including lighting, precipitation, traffic, etc.
by FrugalInvestor
Sun Dec 31, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: residential gas furnace/air conditioner recommendations
Replies: 15
Views: 887

Re: residential gas furnace/air conditioner recommendations

As others have said, there are many good brands and the quality of installation is at least as important as the brand of equipment. So get a few bids and ask lots of questions. We live in an A/C intensive area and recently replaced our 12-year-old no-name system with Trane equipment. I hired a compa...
by FrugalInvestor
Sun Dec 31, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to take advantage of lowered property value?
Replies: 24
Views: 1560

Re: How to take advantage of lowered property value?

You may have a tough fight getting your property tax assessment lowered below your purchase price since you just bought the property and "everybody knew about it" (the tower) at the time. The best indication of value is the price you paid especially since it is very recent. As future resales occur y...
by FrugalInvestor
Sat Dec 30, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Target Net Worth
Replies: 39
Views: 4499

Re: Target Net Worth

Be careful not to conflate 'net worth' with income producing assets. Your home, auto, household goods, etc. generally produce expense not income, so shouldn't be included when considering how much you have to support expenses in retirement. The exception would be if you plan to downsize considerably...
by FrugalInvestor
Thu Dec 28, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction time
Replies: 21
Views: 1585

Re: Introduction time

...sadly my "megacorp" isn't much of a "megacorp," more like a very small bank with lackluster resources. Nonetheless I could be taking advantage of other resources offered to me. I think a realistic move would be to get into an actual "megacorp." But, I will do what I can right now. Small is good,...
by FrugalInvestor
Wed Dec 27, 2017 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction time
Replies: 21
Views: 1585

Re: Introduction time

I have a great boss who is as lenient as you can be with time as one would hope working an 8-5 job. Are you saying that your boss has no problem with you working more hours than would normally be expected in order that you can demonstrate your eagerness and desire to learn and increase your value t...
by FrugalInvestor
Wed Dec 27, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10891

Re: Another should i buy my dream porsche thread...

You can afford it.

I wouldn't and didn't buy such a car until I could very comfortably pay cash.
by FrugalInvestor
Wed Dec 27, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: The car dealership model needs to die
Replies: 85
Views: 4520

Re: The car dealership model needs to die

When we started the paperwork, a $995 fee appeared. It was not in any of the prior communications. When I asked about it, he said the fee was standard for the dealer. He had no explanation for why it wasn't mentioned prior. I've had this happen more than once. The last time I was ready for it - for...
by FrugalInvestor
Sun Dec 24, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23292

Re: What frugal thing did you do today?

Made breakfast for ourselves instead of going out.
We're going to make up for that and more at the steak house tonight though!!
Yesterday I did replace our outdoor light fixtures myself.
by FrugalInvestor
Sat Dec 23, 2017 11:37 pm
Forum: Investing - Theory, News & General
Topic: Do any of you follow Bob Brinker?
Replies: 64
Views: 6270

Re: Do any of you follow Bob Brinker?

I listened to him many years ago before I became aware of Bogleheads. I have no use for him now and am better off as a result.
by FrugalInvestor
Sat Dec 23, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Bounty or Kirkland brand
Replies: 25
Views: 2189

Re: Bounty or Kirkland brand

Costco paper towels are fine for us but we typically aren't scrubbing with them or soaking up huge spills. We probably use most of them for everyday napkins and for covering dishes being microwaved, etc. We used another brand before Costco started adding perforations for half-towels because my wife ...
by FrugalInvestor
Sat Dec 23, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Internet speeds
Replies: 37
Views: 2448

Re: Internet speeds

kerplunk wrote:
Sat Dec 23, 2017 9:35 pm
I am not a fan of Internet connections that don’t have symmetrical downstream and upstream rates.
Can you explain your reasoning?
by FrugalInvestor
Sat Dec 23, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Internet speeds
Replies: 37
Views: 2448

Re: Internet speeds

I'm looking at various internet service deals from comcast and AT&T. The offer deals with between 10mbs to 150mbs speeds. I am confused about how much I need. For two people in a house where one person might be watching a netflix movie while the other is online with youtube or various net surfing, ...
by FrugalInvestor
Wed Dec 20, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: New Car; Maintenance
Replies: 30
Views: 1977

Re: New Car; Maintenance

I think I may go Premium in winter / regular in summer based on what I’ve read too regarding performance I want as much performance in the snow / icy conditions - would it be bad to mix in / out the fuel types? Don't over complicate your investments or your vehicle maintenance. If you want to make ...
by FrugalInvestor
Wed Dec 20, 2017 12:24 am
Forum: Investing - Theory, News & General
Topic: Where do you read financial news?
Replies: 39
Views: 3605

Re: Where do you read financial news?

I scan the WSJ and occasionally pick some additional information up from Google News and the Nightly Business Report (TV, not print). Of course if the news is in fact newsworthy I can always count on seeing it discussed on Bogleheads!
by FrugalInvestor
Wed Dec 20, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: New Car; Maintenance
Replies: 30
Views: 1977

Re: New Car; Maintenance

Parking: Auto CVT Transmission - always use parking brake? It won't hurt but not necessary except on fairly steep inclines. Fuel: My car manual has Premium as “recommended” for my turbocharged engine. I’m so used to spending a ton on regular gas from my previous SUV that I don’t mind spending the e...
by FrugalInvestor
Sun Dec 17, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Spousal SS benefits
Replies: 32
Views: 2172

Re: Spousal SS benefits

Go to the official Social Security website, here: https://www.ssa.gov/OACT/quickcalc/spouse.html There is a calculator that spells out "benefits for spouses". The link information says: The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's ...
by FrugalInvestor
Sun Dec 17, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: US Postal Service Informed Delivery
Replies: 30
Views: 1894

Re: US Postal Service Informed Delivery

P.S. Hi again Bogleheads. Regarding a different package, I just got an email from Amazon stating that it's still on its way, but will be delayed in getting to me due to USPS delays. The thing is, I already got the package! USPS delivered it this afternoon. Sounds like they're having trouble dealing...
by FrugalInvestor
Sat Dec 16, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 6905

Re: New Car - Always use parking brake ?

As at least one other has posted, setting the parking brake is likely not a big deal on gentle inclines but it's important on steep ones both for the mechanical health of your car and for safety reasons. If parallel parking you should also turn your wheels toward the curb when facing downhill and aw...
by FrugalInvestor
Sat Dec 16, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: US Postal Service Informed Delivery
Replies: 30
Views: 1894

Re: US Postal Service Informed Delivery

The app and website have not loaded for me all week. I receive the e-mail most days (not every day), but it just says "you have a mailpiece with no picture". I received one of those (mailpiece with no pic messages) yesterday for the first time. For the few days prior to that the email notifications...
by FrugalInvestor
Fri Dec 15, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Simplicity"
Replies: 19
Views: 20259

Re: What Experts Say About "Simplicity"

Here's the conclusion of a recent Market Watch opinion article written by Ben Carlson who is quoted in Taylor's initial post. The article is titled "A lesson in investing simplicity: Why the Bogle Model beats the Yale Model".......... This has nothing to do with active vs. passive investing. This is...
by FrugalInvestor
Fri Dec 15, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 6905

Re: New Car - Always use parking brake ?

New car with Automatic CVT transmission It’s the first car I’ve ever purchased and I want it to last as long as possible. I’ve read that using the parking brake is good for the parking prawl as well as motor / transmission benefits. How do you apply the parking brake correctly? I’ve been parking by...
by FrugalInvestor
Fri Dec 15, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 87
Views: 8251

Re: New Honda CRV is MotorTrend's SUV of the year

Prices will start to come down if you can wait. I hope the new RDX keeps the 6cyl. I don't think it will but no one really knows. I'm hoping the details will be released at the North American Auto Show (Detroit) in January. I've avoided the turbos for many years but as they've become more mainstrea...
by FrugalInvestor
Fri Dec 15, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 87
Views: 8251

Re: New Honda CRV is MotorTrend's SUV of the year

The problem is that Honda seems to know that it is a good car, so it is hard to get a good deal on it. I'll take an okay deal on a good car over a good deal on a bad car any day. The problem is almost none of them are bad. Many are just slightly less efficient than the crv in some way, but 3k cheap...
by FrugalInvestor
Fri Dec 15, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 87
Views: 8251

Re: New Honda CRV is MotorTrend's SUV of the year

warowits wrote:
Fri Dec 15, 2017 11:15 am
The problem is that Honda seems to know that it is a good car, so it is hard to get a good deal on it.
I'll take an okay deal on a good car over a good deal on a bad car any day.
by FrugalInvestor
Sat Dec 09, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Do you have any guilty pleasure investments?
Replies: 53
Views: 3180

Re: Do you have any guilty pleasure investments?

I am as pure as the driven snow.....no guilty pleasures here!
It's probably past time for me to rebalance though.
by FrugalInvestor
Thu Dec 07, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 2956

Re: Fuel Additives for 2017 Toyota Camry

Save your money.
by FrugalInvestor
Wed Dec 06, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard e-delivery
Replies: 34
Views: 3290

Re: Vanguard e-delivery

Does e-delivery mean e-delivery or do you still get a heap of regular mail? They send you regular mail when you make certain changes, like your address. They will send one letter to the old address and one to the new address. I'm chuckling at the question if I have any e-statements from 1994. I was...
by FrugalInvestor
Tue Dec 05, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 1839

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

I also prefer 2-wheelers because of the extra space and ruggedness.
by FrugalInvestor
Sun Dec 03, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 56
Views: 5091

Re: Just downsized at age 60...input appreciated

My brother emphasizes that the adviser and his large organization and network could save our nest egg from big down market downturns by the firm's tactics and experience while having us diversified into a pie chart with many pieces composed of all types of U.S./intl developed and emerging stocks, a...
by FrugalInvestor
Sun Dec 03, 2017 2:33 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10888

Re: Price of haircut?

$19 senior rate plus $5 tip. Nationally franchised barber shop with old school ambience.
by FrugalInvestor
Sun Nov 26, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: Common Sense on Mutual Funds
Replies: 20
Views: 2227

Re: Common Sense on Mutual Funds

You'll find a lot of discussion on the topic here....

viewtopic.php?f=10&t=232946
by FrugalInvestor
Fri Nov 24, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9148

Re: Why does everyone keep increasing their international stock %?

One reason I admire Jack so much is that he doesn't feel obligated to follow or agree with the current trend, although he doesn't hesitate to start one if he believes it's right! It seems that everyone is arguing with Jack these days about the wisdom of holding a significant percentage of one's port...
by FrugalInvestor
Fri Nov 24, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 7098

Re: Any BLACK FRIDAY deals for Bogleheads?

I bought my wife a Samsung Chromebook Plus for $100 off ($349). I've had one for a few months and she's been oogling it.