Search found 258 matches

by CrossOverGuy
Fri Nov 01, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 101
Views: 18922

Re: New mattress

"How long have you had your Avocado and have you seen any "denting" in your pillowtop?"

I have had my Avocado mattress about 8 months now, and no, there's no dent. They tell you to rotate it every month for the first 6 months and then every 2-3 months, and I've done that.
by CrossOverGuy
Fri Nov 01, 2019 2:31 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 101
Views: 18922

Re: New mattress

Re: Avocado mattress -- here's what I posted a while back: "I recently bought an Avocado Mattress with pillow-top. It had been highly recommended in Consumer Reports, especially for side sleepers, which I primarily am, though I also sleep on my back. These were very highly rated non-foam mattresses....
by CrossOverGuy
Thu Oct 31, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119559

Re: What frugal thing did you do today?

My dining room chairs made of nice cherry wood have attached seat cushions which are dirty (and hard to wash -- I tried) and also slightly damaged. Instead of replacing the chairs for a couple of hundred dollars or so, I researched and found seat covers, almost the same color as the original cushion...
by CrossOverGuy
Thu Oct 31, 2019 12:15 am
Forum: Investing - Theory, News & General
Topic: what was vanguard like before the internet?
Replies: 74
Views: 7295

Re: what was vanguard like before the internet?

Man, I think I still have copies of some of those forms from Vanguard that I filled out when I used to sign up and mail in for individual mutual funds from back in the late 90s to early 2000s. Is there any reason I should not shred them, since the yearly statements (which I've kept) indicate that I ...
by CrossOverGuy
Sat Oct 12, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119559

Re: What frugal thing did you do today?

I sometimes wear older clothing that might have some tears in it around the apartment, especially if I'm cleaning, exercising at home or lounging around. I pretty much hate clothes shopping from having had a Mom who loved to go shopping each weekend, dragging me along as a kid. I'd hit the toy depar...
by CrossOverGuy
Sat Oct 05, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15811

Re: How many are switching from Fidelity?

Is this going to be something of a "loss leader" the way supermarkets rotate what they have on sale each week? How are they going to make money? Are they going to try to add some sneaky fees elsewhere? One of the big things historically is that whether the market went up or down didn't necessarily m...
by CrossOverGuy
Mon Sep 16, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 6530

Re: Do you trust Microsoft updating your Windows 7 machine?

I uploaded the free Windows 10 a few years ago to upgrade from Windows 7. But after a few months my computer started acting up and slowing down. I brought it over to the Geek Squad, and their analysis basically said that I should go back to Windows 7 and when I buy my next PC, buy it with Windows 10...
by CrossOverGuy
Sat Jul 20, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: How to get rid of a piano?
Replies: 50
Views: 4041

Re: How to get rid of a piano?

Are there any schools, especially any performing arts schools or music departments at universities in the vicinity? They might have need of one, especially if they have other pianos and hire a piano tuner on a regular basis. Certainly there are music programs in some elementary, junior and high scho...
by CrossOverGuy
Tue Jul 09, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15382

Re: No more print Money magazine

I recently was re-credited with airline miles after I had just a weeks before used some for another year of Money magazine. I see that Kiplinger's on-line has articles that are similar so I might at some point try the print edition. They were offering 12 issues for $12 recently, and it's possible, s...
by CrossOverGuy
Tue Jul 09, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: Do renters need more real estate exposure?
Replies: 23
Views: 2022

Re: Do renters need more real estate exposure?

But I don't think I would be overweighting real estate. As I said, it looks to me like index funds just dramatically underweight it relative to its total portion of the economy. Most real estate is privately owned, so public indexes won't account for it. That doesn't necessarily mean individual inv...
by CrossOverGuy
Tue Jul 09, 2019 12:06 pm
Forum: Investing - Theory, News & General
Topic: Do renters need more real estate exposure?
Replies: 23
Views: 2022

Re: Do renters need more real estate exposure?

delete - double post - sorry
by CrossOverGuy
Tue Jul 09, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: Do renters need more real estate exposure?
Replies: 23
Views: 2022

Re: Do renters need more real estate exposure?

You could have index funds for example, such as Total Stock, Total International and a bond index, plus if you wanted to, put money in a REIT Index, in which case you would be over-weighting in the real estate market. But having read some books by Burton Malkiel, Bogle and others, I forget who menti...
by CrossOverGuy
Wed Jul 03, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 63
Views: 4188

Re: Need Objective Mattresses Ratings and Reviews

Avocado Mattress has a 100-day trial period with free return, though I think they want a charity to pick it up if you don't want the mattress. It gets top marks from Consumer Reports for a hybrid latex foam and spring mattress; I love the mattress with the pillow top, which was recommended for side ...
by CrossOverGuy
Wed Jun 19, 2019 2:02 pm
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 15594

Re: Good times: 2008 vs Now

Diversify your holdings, rebalance to your preferred asset allocation at some point when they are out of whack - and have some money in bond funds and in cash. During times the stock market goes haywire, there might be days US stock, international stocks and even bonds go down. But wait a few days o...
by CrossOverGuy
Wed Jun 19, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 39
Views: 2892

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

I'm in NYC, and right now I have Spectrum for cable and internet. They're charging me around $129/month, and I'd like to get the price down. However, since it became Spectrum, they don't want to budge much on price. When they were Time Warner you could say you were going to quit, go to the Retention...
by CrossOverGuy
Wed May 29, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 80
Views: 7641

Re: Financial Movies and Shows

Erich von Stroheim's 1927 silent classic "Greed " has been mostly restored to about 3 hours. Originally previewing at about 8 hours, it was cut down drastically by its studio and only within the last 10 years or so been restored to the present version. It's based on the book "McTeague" about an unqu...
by CrossOverGuy
Wed May 29, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Naming beneficiaries for non-retirement accounts
Replies: 15
Views: 1377

Re: Naming beneficiaries for non-retirement accounts

I have my retirement funds named for beneficiaries, but not some non-retirement funds. My thinking is that having some money unaccounted for by named beneficiaries would cover my burial expenses, headstones and other things (rent while they're going through my things and emptying my residence), etc....
by CrossOverGuy
Sat Apr 27, 2019 11:08 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 62
Views: 7050

Re: How to buy a mattress

I recently bought an Avocado Mattress with pillow-top. It had been highly recommended in Consumer Reports, especially for side sleepers, which I primarily am, though I also sleep on my back. These were very highly rated non-foam mattresses. I live not too far from their showroom in Hoboken, so I wen...
by CrossOverGuy
Fri Apr 26, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Notice of Pendency of Class Action
Replies: 11
Views: 1468

Re: Notice of Pendency of Class Action

I'm still waiting on one for tunafish that I put in years ago from (I think) Starkist which apparently was going to result in some free cans of tuna fish (or coupons), but I still haven't heard back from them.
by CrossOverGuy
Fri Apr 26, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Notice of Pendency of Class Action
Replies: 11
Views: 1468

Re: Notice of Pendency of Class Action

I got these notices, too. I understand that since I haven't filed a claim under SquareTrade's policy, I don't need to apply for apply for some sort of reimbursement. But, is my policy, which I bought off Amazon and extends for another 3 years, still good apparently then if something should happen to...
by CrossOverGuy
Sat Feb 09, 2019 6:39 pm
Forum: Personal Investments
Topic: Whats better to hold, Roth dollars or Tax-deferred dollars ?
Replies: 84
Views: 5904

Re: Whats better to hold, Roth dollars or Tax-deferred dollars ?

No, I'm saying that if a total at retirement Roth IRA is 250K (assuming it grew to that, the contributions were significantly lower), that $250K Roth might be equal to a $400K Regular IRA or 401(K) (again with a much less contribution rate, having grown over the years). Yet distributions will be tax...
by CrossOverGuy
Sat Feb 09, 2019 3:18 pm
Forum: Personal Investments
Topic: Whats better to hold, Roth dollars or Tax-deferred dollars ?
Replies: 84
Views: 5904

Re: Whats better to hold, Roth dollars or Tax-deferred dollars ?

Unless the way things are taxed changes (which might be an argument for having both regular IRAs and Roths), I think Roths might be better in the long run. Say for instance you had saved $250K in a Roth by the time you retired; that would be about the equivalent of having approximately $400K in a re...
by CrossOverGuy
Fri Dec 21, 2018 8:56 pm
Forum: Personal Investments
Topic: VG Wellington in 401k - Dec. 2018 Distribution Breakdown ?
Replies: 7
Views: 613

Re: VG Wellington in 401k - Dec. 2018 Distribution Breakdown ?

To look on the positive side of recent developments, with the stock market going down, it will most likely buy more shares for a cheaper price when funds do their distributions this month than they would have before the downturn. Hopefully at some point the market will recover and these extra shares...
by CrossOverGuy
Thu Dec 13, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices
Replies: 9
Views: 1363

Re: Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices

But will 5G be a cheaper but more advanced technology that will allow savings to be passed on the consumer by allowing lots more competition for the service to be offered by more providers?
by CrossOverGuy
Thu Dec 13, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices
Replies: 9
Views: 1363

Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices

on internet service so that we can watch movies, shows, sports, etc. without having to deal only with the current 1 or 2 internet provider choices? In NYC, I think it's mainly Spectrum (formerly Time Warner) or Verizon Fios, both of whom don't want to lower their prices for internet alone even if yo...
by CrossOverGuy
Mon Aug 27, 2018 12:15 pm
Forum: Personal Investments
Topic: Fidelity Duplicate Funds Now That There Are No Minimums
Replies: 33
Views: 3011

Re: Fidelity Duplicate Funds Now That There Are No Minimums

Does this mean that Fidelity will eliminate the fee that it charges on a set date each year if on that date your balance is less than $10,000 in a Premium account or $2,500 (or was it $3,000) in an Investor Account? I had been meaning to reallocate some funds but didn't want to drop below a certain ...
by CrossOverGuy
Tue May 08, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 28044

Re: most compelling TV character ever

Livia, probably the greatest tv villainess ever, on "I, Claudius" as played by Sian Phillips. Claudius, as played by Derek Jacobi, was a wonderful character as well. I loved Sarah, who really found her niche as a more theatrical kind of person, and who was neither upstairs nor downstairs on "Upstair...
by CrossOverGuy
Mon Apr 16, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: "The Only Investment Guide You'll Ever Need" Kindle daily deal
Replies: 16
Views: 4104

Re: "The Only Investment Guide You'll Ever Need" Kindle daily deal

It's a good book - well-written and even very funny in parts. (Come on, WIllow!!!!). Mr. Tobias addresses the issue of the book's title in the text; it was his editor's and/or publisher's insistence that he use it; plus the book became a best-seller in multiple editions, so it stuck. But I have some...
by CrossOverGuy
Fri Apr 13, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4787
Views: 1243782

Re: What Movie Have You Recently Watched?

I highly recommend an old classic French musical comedy called "Le Million" directed by Rene Clair. It's basically the story of the search and chase for a winning misplaced lottery ticket, but it's so much more. Director Rene Clair (who went on the direct American films like "And Then There Were Non...
by CrossOverGuy
Mon Apr 09, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Best place to buy a TV
Replies: 33
Views: 4197

Re: Best place to buy a TV

I got a wonderful Samsung 49" 4K TV with HDR from Amazon. I went into Best Buy and PC Richards to check out various tv sets in person a number of times (and at different stores) and to try to decide the best size, picture, etc. I also wanted to inform myself about things like connections for HDMIs t...
by CrossOverGuy
Sun Dec 31, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4787
Views: 1243782

Re: What Movie Have You Recently Watched?

"The Shape of Water" - wonderful film involving the relationship that forms between a mute cleaning woman and a creature that has been captured from the Amazon and is being held at the governmental institute where the woman works during the Cold War period around 1962 or so. It's a combination fanta...
by CrossOverGuy
Sun Dec 31, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 17
Views: 2737

Re: Costa Rica

I love Costa Rica -- beautiful country with friendly people on the whole and lots to see. First time I went I was with Caravan Tours which used to go into the jungle to see where the turtles lay their eggs. I think that area (Tortuguerro) became less safe because of poachers, so they no longer go th...
by CrossOverGuy
Mon Dec 04, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin: The worst investment in 2014
Replies: 93
Views: 18370

Re: Bitcoin: The worst investment in 2014

I remember during the 1999-2000 DotCom run-up that so many people would invest in nearly anything that had .com in it. I kept asking myself, what do these companies actually produce, and what kinds of earnings have any of them actually made. I stayed away from any pure tech stocks and funds and am h...
by CrossOverGuy
Fri Nov 10, 2017 1:47 am
Forum: Personal Consumer Issues
Topic: Benefits at 55
Replies: 7
Views: 1578

Re: Benefits at 55

T-Mobile has unlimited phone, text and data for 55 and over -- including all taxes and fees, it is $50 for one person, and $60 for two lines.
by CrossOverGuy
Thu Apr 20, 2017 10:45 am
Forum: Personal Investments
Topic: Vanguard Mid-Cap Value Index Fund Admiral
Replies: 12
Views: 2330

Re: Vanguard Mid-Cap Value Index Fund Admiral

I switched some assets to this fund recently from an active fund which targeted a similar part of the market, Fidelity Low-Priced Fund. This had a terrific record over the long-term (and I held it 10+ years); it had the same manager, Joel Tillinghast, all that time. But I noticed that the last numbe...
by CrossOverGuy
Tue Apr 11, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3872

Re: Windows-10 "upgrade" coming April 11. What to disable?

I had a lot of problems when I went from Windows 7 to Windows 10, including having to contact my computer maker, also Microsoft, and my anti-virus maker, etc. Fortunately, I had backed up my documents to an external hard drive, but I had to put my computer back to out-of-the box condition using rest...
by CrossOverGuy
Fri Mar 24, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: [Taxes] Can we deduct music lessons cost for child in New York State?
Replies: 13
Views: 2692

Re: [Taxes] Can we deduct music lessons cost for child in New York State?

If your child made money performing as a pianist, then you could deduct lessons. But not until, so lessons preparing the child for a new career wouldn't qualify until they actually had income in the music field. Otherwise, it's considered a hobby. Perhaps if lessons were taken for college credit, in...
by CrossOverGuy
Sat Feb 11, 2017 3:46 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 61427

Re: Your USER NAME...what does it mean?

No, I don't own or drive crossover vehicles; I haven't even driven very much since getting my license many years ago. Living in a big city, it's almost as expensive as renting another apartment as it is to rent a parking space. Actually, a crossover artist is one who sings opera and can also do musi...
by CrossOverGuy
Tue Jan 24, 2017 7:51 pm
Forum: Personal Investments
Topic: Beside margin, any other investment where you can lose more than you invested?
Replies: 17
Views: 1723

Re: Beside margin, any other investment where you can lose more than you invested?

I suppose also real estate when you rent to people who don't pay their rent or try to become squatters, or if you can't find renters to help you cover your mortgage would also qualify.

Thanks to those who have responded thus far.
by CrossOverGuy
Tue Jan 24, 2017 5:57 pm
Forum: Personal Investments
Topic: Beside margin, any other investment where you can lose more than you invested?
Replies: 17
Views: 1723

Beside margin, any other investment where you can lose more than you invested?

Besides what you invested, perhaps losing more like what has accrued in your account if you had done well and then the market tanked. For instance, I know that if you have a margin account and you've bought stock on margin, that if the stock market tanks you could get a margin call and basically be ...
by CrossOverGuy
Sun Jan 08, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 8464

Re: Best printers for home use

From recommendations here, I checked out and bought a Brother inkjet - Model MFC-870DW a couple of years ago. I think it's an excellent all-in-one, and it doesn't go through ink so fast and expensively as my previous HP did. Among the things I like about it: it has 4 separate ink compartments for bl...
by CrossOverGuy
Wed Jun 01, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 16587

Re: Would you pay 6x face value to see Hamilton on Broadway?

Lin-Manuel Miranda has had an alternate who plays 1 or 2 performances a week as well as being his understudy (including the performance President Obama attended). The word around Broadway circles is that he's a much better performer and singer than Miranda; his name is Javier Munoz, and he'll be tak...
by CrossOverGuy
Fri Apr 08, 2016 12:01 pm
Forum: Personal Investments
Topic: Those four sweetest words ...
Replies: 31
Views: 4064

Re: Those four sweetest words ...

You're broke, Donald Trump.
by CrossOverGuy
Thu Feb 11, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: TCM now available for $5 more on Sling TV
Replies: 2
Views: 1174

TCM now available for $5 more on Sling TV

For potential cord-cutters: I just learned recently that Sling TV has a tier I think called "Hollywood Extra" which includes Turner Classic Movies. Since I'm not a big sports person, but am into films, especially classic ones, I thought I'd point this out to people thinking of cutting the cord who a...
by CrossOverGuy
Sun Jan 24, 2016 3:23 pm
Forum: Personal Consumer Issues
Topic: New Amazon Prime Member w/streaming - need recs
Replies: 26
Views: 2983

Re: New Amazon Prime Member w/streaming - need recs

"Six Feet Under" - I just rewatched this series after having seen its initial run over 10 years ago. One of the best drama series (with some comedy) I've ever seen, with every episode consistently very high quality and one of the finest series finales ever. A family who run a funeral home coping at ...
by CrossOverGuy
Wed Nov 25, 2015 5:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 806
Views: 158299

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

Do you think maybe Vanguard has some disgruntled former accountants? I'm not sure if accountants have any kind of confidentiality agreement like attorney-client privilege, but any such accountant could have signed some sort of legally binding non-disclosure agreement with Vanguard at some time duri...
by CrossOverGuy
Mon Sep 28, 2015 4:58 pm
Forum: Investing - Theory, News & General
Topic: Products most likely to increase with inflation
Replies: 22
Views: 1362

Re: Products most likely to increase with inflation

"swamp-cooler"

That apparently increases humidity and attracts mosquitoes, among other things. No thanks. :?
by CrossOverGuy
Mon Sep 28, 2015 4:32 pm
Forum: Investing - Theory, News & General
Topic: Products most likely to increase with inflation
Replies: 22
Views: 1362

Re: Products most likely to increase with inflation

I rather wish someone could invent an air conditioner that didn't use so much electricity to run it. I cut back using them significantly over the summer, but even with models that allow you to control the temperatures, you would think that by now someone had modified them so they don't use so much e...
by CrossOverGuy
Thu Sep 17, 2015 7:18 pm
Forum: Personal Investments
Topic: Anybody else get phone calls from Fidelity?
Replies: 40
Views: 7547

Re: Anybody else get phone calls from Fidelity?

One guy left a VM then tried again, and I picked up. He offered me something along the line as a free evaluation of my portfolio. I just told him that "I'm happy with what I have. Thanks very much". That meant the phone call was over.
by CrossOverGuy
Sat Sep 05, 2015 11:52 am
Forum: Personal Consumer Issues
Topic: Classical Music
Replies: 31
Views: 2739

Re: Classical Music

Try going to a live concert by a symphony orchestra, preferably doing something well-known like a Beethoven or Mozart symphony. It will make all the difference, as most others with different equipment are, after all is said and done, trying to recapture the excitement and artistry of seeing a live p...