Search found 104 matches

by Small Change
Mon Feb 03, 2020 4:50 pm
Forum: Personal Consumer Issues
Topic: [Books that changed your life]
Replies: 577
Views: 62914

Re: Books that changed your life

"Free to Choose" by Milton and Rose Friedman (1980); along with an accompanying PBS TV series by the same name.

I bought the book then ($3.50 at a used-book store), and it is three feet away from me as I type this.
by Small Change
Sat Jan 25, 2020 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Making funeral arrangements? Consider "pre-need" insurance
Replies: 35
Views: 4383

Re: Making funeral arrangements? Consider "pre-need" insurance

My mother, in a HCOL city, joined a non-profit memorial society about 10 years before she died. It negotiates prices with local mortuaries and publishes a fixed price schedule, updated each year. At the time of her death two years ago, I simply called one of the listed mortuaries, gave them the memo...
by Small Change
Sat Jan 25, 2020 12:14 am
Forum: Personal Consumer Issues
Topic: Thicker/Flatter Dental Floss or Tape?
Replies: 34
Views: 2655

Re: Thicker/Flatter Dental Floss or Tape?

Another vote for Dr. Tung’s, which I get from Amazon.

I used Glide for a few decades (including prior to its acquisition by Procter & Gamble) but perceived that its quality has declined; it seemed to break more often.
by Small Change
Wed Dec 18, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new or used Toyota Camry?
Replies: 83
Views: 4693

Re: Should I buy a new or used Toyota Camry?

I have thought about buying a used Hertz car. Hertz has a great, straightforward car sales website. My thinking is a Camry renter on average is different than, say, the renter of a rental company’s cheapest subcompact option or sports car option. I would think the subcompact or sports car on average...
by Small Change
Thu Aug 22, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 80
Views: 13926

Re: Prepare for Recession?

For what it is worth, consumer confidence in July 2007 hit a nearly six year high, five months before the start of the Great Recession.

Here is a story about that.

https://money.cnn.com/2007/07/31/news/e ... /index.htm
by Small Change
Sat Aug 17, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Best price/timing to buy 2019 Toyota Corolla Hatchback?
Replies: 18
Views: 2189

Re: Best price/timing to buy 2019 Toyota Corolla Hatchback?

Toyota Aug. 15 announced the specs for the 2020 Corolla Hatchback. Here is the press release. I read elsewhere that it likely will be in dealerships in November. It appears still to be missing rear cross traffic alert but does get Android Auto (the hatchback already had Apple CarPlay in model year 2...
by Small Change
Fri Jun 28, 2019 12:36 am
Forum: Personal Consumer Issues
Topic: firm large mattress
Replies: 9
Views: 959

Re: firm large mattress

Sleep EZ, http://www.sleepez.com, which has been discussed in various Bogleheads posts, lets you configure one person’s side of bed differently from his or her partner’s side.

It has a calculator to input your stats to help on the configuration.
by Small Change
Sun Feb 03, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: The real dog food diet...
Replies: 59
Views: 4359

Re: The real dog food diet...

We've settled on the Gold brand from Fromm pet foods. Have to go to the fancier-than-PetCo pet store for it, but dog seems to like it, the company has a good reputation, and the ingredients seem sound. We also use that brand. Our small dog is very particular and often won’t eat. A friend referred u...
by Small Change
Sun Feb 03, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: The real dog food diet...
Replies: 59
Views: 4359

Re: The real dog food diet...

I’ve found the following site useful.

https://www.dogfoodadvisor.com/

Costco’s Kirkland products do well on that review site.
by Small Change
Thu Jan 17, 2019 11:57 pm
Forum: Personal Consumer Issues
Topic: Infiniti QX30 - MB platform
Replies: 8
Views: 851

Re: Infiniti QX30 - MB platform

This story says the QX30 has been something of a disappointment to Infiniti.

https://www.carscoops.com/2019/01/infin ... ent-works/
by Small Change
Thu Jan 10, 2019 12:32 am
Forum: Personal Consumer Issues
Topic: Opinions on 2019 RAV4 and/or 2019 Santa Fe
Replies: 23
Views: 2522

Re: Opinions on 2019 RAV4 and/or 2019 Santa Fe

Regarding the previous generation RAV’s (the version that ended with the 2018 RAV) poor passenger crash rating: After that generation RAV launched, Toyota strengthened the driver side, improving its driver side IIHS offset crash results. It didn’t bother doing a fix on the passenger side. This is di...
by Small Change
Wed Jan 09, 2019 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ally bonus question
Replies: 26
Views: 3677

Re: Ally bonus question

I figured Ally’s play was to boost its 12-31-18 reported deposits for some reason.
by Small Change
Thu Jul 12, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 24546

Re: COMING SOON: BOGLEHEADS PODCASTS

The Bogleheads Cast
by Small Change
Thu Jul 12, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 24546

Re: COMING SOON: BOGLEHEADS PODCASTS

Boglehead Honchos.
by Small Change
Fri May 18, 2018 1:10 am
Forum: Personal Finance (Not Investing)
Topic: prearranged funeral plans-Neptune Society
Replies: 10
Views: 1396

Re: prearranged funeral plans-Neptune Society

Service Corp. International (NYSE: SCI), the biggest player in the so-called deathcare industry, bought 100% of Neptune Society from a private equity firm in a series of transactions from 2011 through 2014. You could probably get a better deal by joining a not-for-profit local memorial society that ...
by Small Change
Mon May 14, 2018 5:41 pm
Forum: Personal Investments
Topic: Vanguard Calif Municipal MMF vs. Fidelity Calif AMT Tax-Free MMF
Replies: 6
Views: 1041

Re: Vanguard Calif Municipal MMF vs. Fidelity Calif AMT Tax-Free MMF

That's fantastic, ofckrupke. I also had been wondering why Fidelity's recent yield was higher. Your explanation makes sense. I had been ignoring Fidelity's slight apparent yield advantage (and assuming it to be temporary) since, based on 1 year, 3 year, 5 year and 10 year results, Vanguard beats it ...
by Small Change
Mon May 14, 2018 1:04 pm
Forum: Personal Investments
Topic: Vanguard Calif Municipal MMF vs. Fidelity Calif AMT Tax-Free MMF
Replies: 6
Views: 1041

Vanguard Calif Municipal MMF vs. Fidelity Calif AMT Tax-Free MMF

I'm in California and currently have cash parked in Vanguard Prime Money Market Fund (VMMXX). I want to move cash to either: Vanguard California Municipal Money Market Fund (VCTXX) or Fidelity California AMT Tax-Free Money Market Fund (FSPXX). Vanguard ($3,000 minimum) has 7-day SEC yield of 1.33% (...
by Small Change
Tue Mar 06, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: Anyone have expereince driving a Corolla iM or know much about the car?
Replies: 6
Views: 1085

Re: Anyone have expereince driving a Corolla iM or know much about the car?

The Corolla iM, formerly Scion iM, is the U.S. version of the Toyota Auris, a car sold in Europe. Toyota today unveiled an all-new version of the Auris. Here is a story about that: https://www.autoblog.com/2018/03/06/toyota-auris-corolla-im-redesign-hybrids/ There is talk that the redesigned Auris w...
by Small Change
Sat Feb 03, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Cheapest funeral options
Replies: 40
Views: 4266

Re: Cheapest funeral options

My mother was a proud member of the non-profit San Diego Memorial Society, which negotiates set prices with local mortuaries. Her cremation cost less than $1,000, including death certificates that I requested. Perhaps there is a similar non-profit memorial society in your area. https://sdmsonline.co...
by Small Change
Tue Jan 23, 2018 1:36 am
Forum: Personal Consumer Issues
Topic: Car Stereo Questions
Replies: 25
Views: 2608

Re: Car Stereo Questions

I have an older Toyota (2005 Camry) with original OEM stereo/CD player.

Do such OEM radios have security features that would mean a) my radio, if stolen, wouldn’t work in someone else’s car and b) an OEM radio salvaged from a wreck wouldn’t work in my car?
by Small Change
Sat Jan 20, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Car Stereo Questions
Replies: 25
Views: 2608

Re: Car Stereo Questions

Crutchfield has been in the game a long time. I bought and installed a car stereo and speakers from Crutchfield—in 1980.
by Small Change
Thu Jan 04, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: PSA: H&R Block Deal of the Day on Amazon (1/4)
Replies: 15
Views: 2272

Re: PSA: H&R Block Deal of the Day on Amazon (1/4)

As mentioned above, today marks the second time this tax season that Amazon has had a Deal of the Day on H&R Block software. I think (not positive) that the deal prices were same both days. Here is a link to discussion of the previous Deal of the Day (Nov. 29, 2017, a few days after Black Friday...
by Small Change
Thu Jan 04, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: PSA: H&R Block Deal of the Day on Amazon (1/4)
Replies: 15
Views: 2272

Re: PSA: H&R Block Deal of the Day on Amazon (1/4)

Thank you, iceport.

I think there was a similar deal of the day in December on H&R Block that I missed. I was happy to grab this one.

I moved to Block from TurboTax some years ago when TurboTax took some features out of TurboTax Deluxe.
by Small Change
Sun Dec 31, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: residential gas furnace/air conditioner recommendations
Replies: 15
Views: 1536

Re: residential gas furnace/air conditioner recommendations

Lennox appears to be a stand-alone NYSE-listed company and not part of United Technologies (parent of Carrier).

http://www.lennoxintl.com/
by Small Change
Sat Dec 09, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 13103

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Any calculus on taking this deal vs. waiting for another Amazon deal (which would include rebate in form of Amazon 5% gift card)? Seems Amazon deal would be better for Amazon shoppers like me.
by Small Change
Tue Sep 05, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 6497

Re: Did Charmin UltraSoft TP become "UltraThin"?

The New York Times Co.'s Sweethome had a good roundup in February 2017 on toilet paper:

http://thesweethome.com/reviews/the-best-toilet-paper/

It concluded Charmin UItra Soft
was not ultra-soft, or ultra-anything to our panelists.
by Small Change
Tue Sep 05, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 6497

Re: Did Charmin UltraSoft TP become "UltraThin"?

Costco sells various brands of toilet paper ( https://www.costco.com/CatalogSearch?keyword=Toilet+Paper&pageSize=96 ), including: Charmin Ultra Soft discussed in the August 2017 Costco Connection article ( http://www.costcoconnection.com/connection/201708?pg=56#pg56) ... Link to that product: ht...
by Small Change
Tue Sep 05, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 6497

Re: Did Charmin UltraSoft TP become "UltraThin"?

Costco's magazine had a discussion in its August 2017 issue on Costco's version of Charmin Ultra Soft. Costco says the version it sells is "exclusive to Costco" and "is the best-quality Charmin Ultra Soft that Procter & Gamble produces." It is wider (4.5" vs. 3.92" ...
by Small Change
Wed Jun 28, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 7464

Re: Consumer Reports Renewal (or not?)

I've been reading the magazine since I discovered it in my junior high library in the seventh grade, and I've subscribed to the print edition as an adult for at least 30 years. I've also had the CR online sub on and off. I attended one of Consumers Union's annual meetings and lab tours (a fun day). ...
by Small Change
Thu Feb 02, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Simple small countertop microwave for 90-year-old mother?
Replies: 11
Views: 1318

Re: Simple small countertop microwave for 90-year-old mother?

OP here. Thanks for the suggestions. I'm going to go with a digital-keypad model; the one suggested by magazinewriter looks good.

And I will be sure to get one with a 30-second or one-minute button.
by Small Change
Thu Feb 02, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Simple small countertop microwave for 90-year-old mother?
Replies: 11
Views: 1318

Simple small countertop microwave for 90-year-old mother?

Hi, everyone.

My mother has asked me to get her a small countertop microwave--something to warm up a cup of coffee or cook a frozen dinner.

She is age 90 and gets frustrated with overly complex gadgets and electronics.

Any suggestions for a simple microwave?

Thank you.
by Small Change
Wed Jan 18, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Why should mutual funds have expense ratios, and not expense fees
Replies: 10
Views: 1405

Re: Why should mutual funds have expense ratios, and not expense fees

My company's 401(K) charges each employee an annual fee (something like $50 or $100) to cover administrative expenses. It also charges an expense ratio percentage fee (somewhere south of 10 basis points for an index fund, say). That works out to more than Vanguard charges. But the concept of chargin...
by Small Change
Wed Jan 18, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's old "free" TurboTax. Was it really free?
Replies: 11
Views: 2370

Re: Vanguard's old "free" TurboTax. Was it really free?

No way. Because it doesn't cost 100 times to service an account 100x the size even if they call in the same frequency and for the same duration, large accounts subsidize small accounts. Yup. I work at a Financial Institution and it's usually the smaller account that takes more work than the larger ...
by Small Change
Tue Jan 17, 2017 11:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's old "free" TurboTax. Was it really free?
Replies: 11
Views: 2370

Re: Vanguard's old "free" TurboTax. Was it really free?

Those are good points.

I heard a Vanguard marketing executive a few years ago explain the efforts Vanguard goes to prove ROI on ad spending--ads were intended to attract assets that ultimately would benefit mutual fund owners through lower fees.
by Small Change
Tue Jan 17, 2017 10:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's old "free" TurboTax. Was it really free?
Replies: 11
Views: 2370

Vanguard's old "free" TurboTax. Was it really free?

I've seen various posts lamenting Vanguard's decision, a year or two back, to stop offering free TurboTax software to Flagship customers. But I'm thinking it really wasn't "free"--because Vanguard, under its structure, ultimately passes on all its costs to customers. So my question: Who ul...
by Small Change
Sun Dec 18, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 76
Views: 11791

Re: 12/18/16 Deal - H&R Block 2016 @ Amazon

For Block (Deluxe) download, is it "10%" Amazon bonus on refund or, as the sticker on package image says, "up to 10%" (but in reality 5%)?

I recall that it was "10%" on the year-ago version.
by Small Change
Fri Dec 16, 2016 1:17 am
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 20929

Re: How old is your vehicle?

2005 Camry. Bought it new because I wanted side airbags (option at the time) and couldn't find a CPO with side airbags.
by Small Change
Fri Dec 09, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Advice on Medical Alert System
Replies: 15
Views: 1628

Re: Advice on Medical Alert System

While watching a TV ad for one of these alert systems, what occurred to me is just how emergency assistance folks could access the residence - if the person cannot let them in? Break down the front door? Philips' setup included a real-estate-agent lockbox for the front door; Philips knew the code a...
by Small Change
Fri Dec 09, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Advice on Medical Alert System
Replies: 15
Views: 1628

Re: Advice on Medical Alert System

I two years ago investigated options for an elderly family member and went with Philips. I was disappointed by Philips' antiquated technology during the one-plus year that my family had a need for this service. There was no website where we could remotely observe the status of the system or monitor ...
by Small Change
Mon Dec 05, 2016 11:56 pm
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 8743

Re: Best printers for home use

Bought a Brother laser for my partner. Then one for my mother. Then, most recently, a Brother all in one to replace HP in home office. I recall my family's Brother electric typewriter circa 1974 that was a piece of junk. So I was skeptical about the brand. But I really like the simplicity and value ...
by Small Change
Tue Nov 29, 2016 7:38 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 256
Views: 47233

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

I just opened the savings account and want to ACH money into that account to fund a CD. But at first glance, it appears I can only ACH in $5,000 per day. Am I reading that right? That seems low. What you need to do is connect an external bank and then push the money into Andrews from the external b...
by Small Change
Tue Nov 29, 2016 1:48 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 256
Views: 47233

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

I just opened the savings account and want to ACH money into that account to fund a CD. But at first glance, it appears I can only ACH in $5,000 per day. Am I reading that right? That seems low.
by Small Change
Sat Nov 26, 2016 10:48 pm
Forum: Personal Consumer Issues
Topic: Cowskin Leather Jackets
Replies: 12
Views: 2904

Re: Cowskin Leather Jackets

I bought one of these for my partner, and he's been very happy with it. Made in USA. May not have a style you like, though, since mostly bomber jackets.

http://www.uswings.com
by Small Change
Thu Nov 03, 2016 7:17 pm
Forum: Personal Consumer Issues
Topic: Computing Device - Laptop or Table - for an Elderly Person
Replies: 35
Views: 4802

Re: Computing Device - Laptop or Table - for an Elderly Person

I gave my partner a Chromebook a year ago, and he loves it. But he likes using a regular mouse instead of a touchpad, so I got this one for him for about $20 from Amazon: http://www.logitech.com/en-us/product/wireless-mouse-m320 Not sure, but an older person new to computers might find a mouse easie...
by Small Change
Thu Sep 29, 2016 12:04 am
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 65
Views: 15306

Re: All-in-one Printer Recommendation

I've had the Brother L2740DW for a few months. Bought it based on good experiences with cheap Brother lasers and poor experiences with HP.

It works well with my MacBook and with my Toshiba Chromebook.

I really like the 2740DW's touchscreen.
by Small Change
Fri Sep 23, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: Minor fender bump question
Replies: 17
Views: 2594

Re: Minor fender bump question

Let's suppose I am at fault in an accident. And let's suppose police won't come because it is a minor fender bender. What happens if the other party wants my insurance information but refuses to provide his/her insurance since he/she is not at fault? Do I willingly provide my insurance information a...
by Small Change
Sat Sep 17, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: Reccomendations for decent patio furniture
Replies: 9
Views: 1784

Re: Reccomendations for decent patio furniture

I also like https://www.polywoodinc.com. Polywood also sells similar furniture under the Trex brand https://www.trexfurniture.com.
by Small Change
Sat Sep 17, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Sawzall and Batt Operated tools questions?
Replies: 25
Views: 2503

Re: Sawzall and Batt Opertated tools questions?

As for a source, you might consider factory reconditioned tools from http://cpooutlets.com. I bought a recon Sawzall and one other tool.
by Small Change
Thu Aug 25, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 36
Views: 5013

Re: Office Chair

I work at home and bought a new Aeron from an internet store about two years ago based on Bogleheads comments. I like it. Maybe a better answer would be that I don't even notice it when I'm sitting in it for a long day. That's a measure of a good chair; you only notice a desk chair when it causes pa...