Search found 4681 matches

by FrugalInvestor
Tue Jun 19, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Need help from alchemists
Replies: 4
Views: 287

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: 60
Views: 1899

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: 10
Views: 540

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: 10
Views: 540

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: 10
Views: 540

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: 1409

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: 127
Views: 5637

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: 1555

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: 1555

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: 1555

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: 623

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: 15621

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: 15621

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: 1409

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: 1189

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: 14067

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: 15621

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: 14067

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: 402

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: 60
Views: 5920

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: 1979

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: 3324

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: 9292

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: 1740

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: 31240

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: 31240

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: 31240

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: 31240

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: 31240

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: 11089

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: 11089

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: 5399

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: 5136

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: 31240

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: 31240

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: 1942

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
by FrugalInvestor
Tue Jun 05, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 1942

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

If the heat radiating through the windows in the morning is the problem what you really need are exterior sunscreens to block it before it gets into your room. Any sort of interior window covering won't help much because the heat has already gotten in. 80% sunscreens should make a big difference. Da...
by FrugalInvestor
Mon Jun 04, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 1942

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

Is your room the only one above the garage? How large is the hole or holes? Is the garage typically cool or hot? Do you know if there's any insulation in the ceiling between the garage and your room? Does your room have an A/C vent and is it working properly? Yes, it’s the only above the garage. Th...
by FrugalInvestor
Mon Jun 04, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 1942

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

Is your room the only one above the garage? How large is the hole or holes? Is there any indication what the holes are or were for? Is the garage typically cool or hot? Do you know if there's any insulation in the ceiling between the garage and your room? Does your room have an A/C vent and is it wo...
by FrugalInvestor
Mon Jun 04, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2495

Re: Need to replace my Vizio TV..............

If you buy through Costco with the Costco credit card, you end up with FIVE total years of warranty. According to this https://www.costco.com/concierge-two-plus-two-warranty.html it's: 2 years on TV + additional 2 years when purchased with Costco Credit Card = 4 years total Am I missing something?
by FrugalInvestor
Sun Jun 03, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: want to buy a larger bed
Replies: 14
Views: 1271

Re: want to buy a larger bed

Since the you're both tall and the California King is longer that seems like a good fit. But since it's narrower you may need to consider getting the pets their own bed(s). There are always trade-offs.
by FrugalInvestor
Sat Jun 02, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2495

Re: Need to replace my Vizio TV..............

bloom2708 wrote:
Sat Jun 02, 2018 9:13 pm
Does sound work with an external speaker system or sound bar?
My thought also. Run a cable from one of the outputs (there can be multiple types) to an external speaker or soundbar. If it works it would be much cheaper (and likely better sound) to purchase a soundbar.
by FrugalInvestor
Mon May 28, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7452

Re: Living on Your Investments? What Happens When a Bear Market Hits?

Thanks for replies guys and thanks for the real life example sheepdog. I actually don't have that much in index funds as i only started a few years ago, however am really feeling they are overpirced at the moment e.g one index fund I have is up around 30%+ in just 2 years, so i'm not really sure wh...
by FrugalInvestor
Fri May 25, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 115
Views: 28353

Re: Vanguard opens special offices for $1 million clients

I am interested in the offices being available to my wife should anything happen to me. I think it would be good for her to meet with someone face-to-face to get the ball rolling on account transfers and management. I sent an message to Vanguard through the website this morning and received the foll...
by FrugalInvestor
Fri May 25, 2018 1:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 115
Views: 28353

Re: Vanguard opens special offices for $1 million clients

JamesSFO wrote:
Wed Jan 24, 2018 10:46 am
Btw have any of these offices actually opened yet?
I will re-iterate the above question.......

Have these offices opened and has anyone had any experience with one?
by FrugalInvestor
Thu May 24, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Magic Jack Go vs Obihai obi200- which one as landline replacement?
Replies: 30
Views: 2958

Re: Magic Jack Go vs Obihai obi200- which one as landline replacement?

Just another data point. I've been using service from a company by the name of Voipo for about ten years now. It costs $149+taxes=$185 for 2 years of prepaid service which equates to $7.71/month. This is a 'special' price that is currently in effect but it is typically available a few times each yea...
by FrugalInvestor
Wed May 23, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Asset Class Forecasts
Replies: 47
Views: 2639

Re: Asset Class Forecasts

It doesn't matter what the market might do because it might do anything. What matters is what you do as the market gyrates which it inevitably will. Your emotions and whether you act on them is the enemy and the most important thing you can do is be comfortable enough with your asset allocation tha...
by FrugalInvestor
Wed May 23, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Asset Class Forecasts
Replies: 47
Views: 2639

Re: Asset Class Forecasts

If you like spending your time trying to predict the market have at it. Chances are it won't help your investments in the long run. Chances are that it will hurt them. But in the meantime you'll be able to sound very intelligent to your friends who believe that there are those with superior knowled...