Search found 4465 matches

by FrugalInvestor
Sat Dec 16, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 29
Views: 2243

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: 27
Views: 1330

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: 13
Views: 17375

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: 29
Views: 2243

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: 23
Views: 1712

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: 23
Views: 1712

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: 23
Views: 1712

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: 2954

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: 42
Views: 1936

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: 30
Views: 2874

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: 1744

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: 29
Views: 3615

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: 10360

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: 2100

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: 8914

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: 6910

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.
by FrugalInvestor
Thu Nov 23, 2017 3:31 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 11926

Re: VG wants everyone to transfer to a brokerage account?

Years ago we had a brokerage account that we never used. As I recall at that time the brokerage and mutual fund accounts were separate. When the invitations began coming to consolidate all accounts under the brokerage umbrella I called Vanguard and told them that I had no use for the brokerage accou...
by FrugalInvestor
Tue Nov 21, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 3957

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: 45
Views: 2947

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: 57
Views: 4446

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: 1730

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: 3613

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: 1945

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: 3613

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: 3613

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: 3613

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: 10944

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: 3613

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: 3613

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: 3613

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: 3613

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: 905

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: 3460

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: 3460

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: 9883

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: 3460

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: 4042

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: 6001

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: 9883

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: 6001

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: 6321

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: 1189

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: 1089

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: 4477

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: 4477

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: 4477

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: 4477

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: 4477

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: 3584

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 ...