Search found 1499 matches

by S&L1940
Tue Sep 19, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4170

Re: Costco vs sams club vs neither.

[*] Thanks for the replies! I'll definitely have to give it a look. 2 questions? Do you spend a long time in a checkout line? NO, always use the self check line. Since you no longer need to scan coupons things go quicker Retired, we like 4.30 or so, avoids the people coming in after work and the fam...
by S&L1940
Tue Sep 19, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4170

Re: Costco vs sams club vs neither.

It sounds like a lot may have changed since your previous experience with wholesale clubs. Both now generally accept major credit cards. Costco only accepts Visa . A Visa card is not that hard to own, odds are that someone with several cards in their possession has at least one. If not, cash always...
by S&L1940
Tue Sep 19, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4170

Re: Costco vs sams club vs neither.

Costco doesn't need to be bulk. You do not need to buy a 6 pack of LG LED TVs to get a good deal on them. Or a 6 pack of winter jackets. Some "bulk" items save a lot of money. You can "almost" pay for your entire membership buying just one item over a year, like: costco brand zyrtec, contact lens s...
by S&L1940
Sun Sep 17, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 57
Views: 4206

Re: What money to store outside for disaster?

...a few hundred Sacajawea's would be hard to conceal. But, would people accept them in desperate times? I love the fact that dollar coins are so despised that we're left wondering if people might accept this (real) currency in "desperate times". It just sounds so funny. Back in calmer times (80s) ...
by S&L1940
Fri Sep 15, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2229

Re: Questions about home purchase in a 55+ community?

Note, I didn't write "hear" ambulances almost daily. I just read about some who complain about the akmost daily presence of ambulances in established communities. I can't vouch for this and YMMV you gotta look for a healthier community!! I do not know if it was mentioned but long term residence can...
by S&L1940
Thu Sep 14, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2229

Re: Questions about home purchase in a 55+ community?

I don't know how they can tell you that the association fees won't go up for the next 10-12 years. Expenses go up, and so will the fees. HOA fees depend how large the community; smaller (say 200-500 homes) can equal substantial increases what are the maintenance rules for amenities like the golf? t...
by S&L1940
Thu Sep 14, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 8878

Re: Hearing aid 101

Don't feel bad. I know a guy who accidentally ate one of his in-ear hearing aids in the middle of the night. Feeling around in the dark for his middle-of-the-night snack, he thought it was a peanut M&M. :oops: :oops: I think sometime back I posted the Eddie Fisher story as related by his daughter C...
by S&L1940
Thu Sep 14, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 8878

Re: Hearing aid 101

Support and service is what we pay for. Aids may need a series of adjustments. If they fail to provide the service I would look for another provider. One issue may be that your hearing loss is not strictly volume. Hearing everything but without clarity is a brain processing issue that I think aids w...
by S&L1940
Wed Sep 13, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Hospice Support Volunteer
Replies: 6
Views: 528

Re: Hospice Support Volunteer

sadly been a caregiver over an extended period of time and had a close relative who was on hospice at home. grueling, mentally and physically draining and exhilarating all at once I would hope you are not required to simply dive in after the training period and get some experience along side a seaso...
by S&L1940
Mon Sep 11, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 2639

Re: "Luxury" Vinyl vs Laminate flooring?

"We are looking to replace about 1000-1500 sq ft of tile in our Kitchen/Family Room/Living Room. We are currently in our late 20's, with a dog and young child, and hopefully, will have more children. We are planning on staying in our current home for ~15-20 years, so we are not super concerned about...
by S&L1940
Wed Sep 06, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8330

Re: When calculating net worth, how do you value your house?

Nice to know what our kids may get for the home
Living in a 'gated community' numbers are easy to obtain
No interest in downsizing - Yet
So, for us, home value is simply a fixed line item

More concerned in what Irma will do to our home value, will check back on Sunday...
by S&L1940
Mon Sep 04, 2017 4:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16148

Re: [Are the Bogleheads] getting less interesting?

I always here dieting is like investing, you know what you need to do but you keep looking for short cuts. Example, I workout 5 days a week. Friends of mine that rarely go to the gym meet every Wenday for 5 guy burgers. I know I can go there to meet them once a week but I don't. That would destroy ...
by S&L1940
Mon Sep 04, 2017 3:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16148

Re: [Are the Bogleheads] getting less interesting?

arcticpineapplecorp. wrote:
Mon Sep 04, 2017 3:47 pm
Is it nothing more than plain old defensiveness? As in, we'll prove you're wrong. Let me go on for five pages to show you just how interesting we can be?
Or, maybe to confirm the point and show how uninteresting we can get?
My prediction, we have 3-4 more pages to go
by S&L1940
Mon Sep 04, 2017 10:19 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16148

Re: [Are the Bogleheads] getting less interesting?

dewey wrote:
Sun Sep 03, 2017 1:12 pm
“The measure of an education is that you acquire some idea of the extent of your ignorance.” Christopher Hitchens
Five pages of comments and up pops Christopher Hitchens.
Now things are getting interesting
Even after he is gone he can still inject some sense into a conversation...
by S&L1940
Mon Sep 04, 2017 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Best Retail banks - switching from Chase
Replies: 23
Views: 2103

Re: Best Retail banks - switching from Chase

We have low bank activity, mainly bill payment on line along with keeping enough bucks in the checking account to cover monthly spend. When paper I Bonds were still available, got them at BofA. For all the bad press about BofA as a overbearing presence in the financial arena, not for us. The one scr...
by S&L1940
Sun Sep 03, 2017 10:28 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16148

Re: [Are the Bogleheads] getting less interesting?

I think it is a hard balance. The Bogleheads forums are an oasis of civility in contrast to the nasty cesspool that forms when there is unmoderated anonymous discussion on the internet. I believe that is due in large part to moderation. Keeping politics out for example really does help the tone. I'...
by S&L1940
Tue Aug 22, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 15955

Re: Lost $7000 today in ONE DAY!

dbr wrote:
Sun Aug 20, 2017 9:04 am

I am going to stop posting to this Forum again because these kinds of nuance on top of nuance discussions are just too tiresome.
NO, I pass up most of this stuff
Yet, I always read your posts
A bit of sanity and sense against the noise
by S&L1940
Tue Aug 22, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 15955

Re: Lost $7000 today in ONE DAY!

A lot of people on here had their portfolios go down significantly more than $7k today. No biggie. Hopefully it goes back up before I retire and actually need the dough. Finally, a benefit in not having a two comma portfolio dollar value went down yet it was a typical blip with little pain did not ...
by S&L1940
Fri Aug 18, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4617

Re: Powerball - $510 million?

Also, love the winners who get quoted saying they will go to work tomorrow and be their same delightful selves. Had I miraculously won (despite the fact I do not buy any lottery tickets), I would have instantly stopped working - mid whatever - walked out the door and lived under the radar at some be...
by S&L1940
Fri Aug 18, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4617

Re: Powerball - $510 million?

did not read all the posts
would your chances of winning be higher in the low prize weeks since fewer people would be buying tons of combinations?
hate to split $400 million between 10-12 people...
rather rake in the whole $5 million as a single (anonymous) winner :greedy
by S&L1940
Fri Aug 18, 2017 12:22 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4617

Re: Powerball - $510 million?

It would need to get a lot bigger to have a positive expectation. And then the bogleheads should pool their resources. :happy worked at an office that pooled $5 apiece every week to play power ball I sent out a memo offering to cover their bets @ $4 each with the same payback they were now getting ...
by S&L1940
Thu Aug 17, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4617

Re: Powerball - $510 million?

With all the disciplined investors here, am wondering how many buy Powerball tickets when the prize gets this big? I picked up one today for $2. Saturday’s jackpot ....has grown to an estimated $510 million, making it the fifth-largest ever offered in the game and ranking it eighth among the bigges...
by S&L1940
Mon Aug 14, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 7214

Re: Boglehead obsession with money- devil's advocate

livesoft wrote:
Mon Aug 14, 2017 3:37 pm
My 18-year-old wife has to worry, doesn't she?
you told her you were 90, right?
worked for me
by S&L1940
Mon Aug 14, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 32
Views: 2481

Re: ipad or tablet for hospital?

from personal experience (sad), hospitals usually have a "guest" WiFi sign in and a standard disclaimer about personal items of value. A locked device is no protection - except for preventing usage when "borrowed" - unable to use the device someone would simply toss the item, not return it. You may ...
by S&L1940
Sun Aug 13, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3328

Re: Your Movie Collection?

No Blue Ray player; still tons of VHS that I pledged to watch one more time and trash - yet to happen Library yes; DVR recordings yeah, got a few; Turner Classic Movies, watch all the times (also record a bunch). Miss the old Bravo channel which ran Ingmar Bergman and Truffaut and Bunuel and Goddard...
by S&L1940
Sat Aug 12, 2017 7:44 am
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 7233

Re: "Honesty like that is rare!"

Honestly, I don't understand the whole exchange. Basically, we are giving credit for an adviser for being "honest" when he admits to deceiving the very individuals he has a fudiciary responsibility to by admitting he is making the whole investment process more complicated just to appease his invest...
by S&L1940
Fri Aug 11, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 7233

Re: "Honesty like that is rare!"

no complexity, no demonstration of professionalism, no high management fees

someone on this site said it best, "keep it simple"

Taylor, nice hearing from you, unless I missed something it has been awhile since you have been here
Rich
by S&L1940
Tue Aug 08, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 39
Views: 3499

Re: What criteria warrants a need for Living Revocable Trust?

It may save a small amount of money, but it won't save a significant amount of money. Probating a Will in Florida is not particularly difficult, expensive or burdensome. The forms are the same throughout Florida, and they're filed electronically. We probate lots of Wills throughout Florida. The cos...
by S&L1940
Tue Aug 08, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2171

Re: Advise on house selling

Sold mid 90s using the agent who sold us the home in the early 80s The wife and I decided on a figure we wanted to walk out with after fees. Told the realtor we were ready to move but had no urgency; we were willing to wait for our number. Took more than a year and the agent dropped the commission s...
by S&L1940
Sun Aug 06, 2017 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Townhome or condo?
Replies: 29
Views: 2307

Re: Townhome or condo?

My understanding is that the HOA should not increase a lot. My reasoning : 1. No Swimming pool/ Gym in the community. 2. No elevators 3. No huge park. There is a municipal park planned close to the neighborhood . 4. All they will maintain is the common areas What will the reason for the increase in...
by S&L1940
Sat Aug 05, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Townhome or condo?
Replies: 29
Views: 2307

Re: Townhome or condo?

Buying pre-construction can lead to disappointing surprises in quality of construction, changes in finishes, and even actual vs. promised size. Also consider that the HOA fee may end up being higher than promised , if not from the start then soon afterwards. Can pretty much guarantee HOA fees quote...
by S&L1940
Sat Jul 29, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 47
Views: 4492

Re: Comcast - lease modem/router or buy?

Best Buy seems to be competitive with Amazon. I use Comcast for phone as well. That modem is now about $225 at both providers. Means we have a two year window for return on investment. Comcast lists the "approved" modems on their web site but I do not think they sell the units
by S&L1940
Wed Jul 26, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 3228

Re: YouTube TV - Anyone used or currently using?

Frugal Investor wrote: "So our TV programming costs us $37/month after the 3-month payback. We need internet of course (that's the cable we now can't cut) and it costs us $48/month so we're at $85/month for a savings of $70/month. It won't make us rich but it's significant. As far as adding other se...
by S&L1940
Wed Jul 26, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 3228

Re: YouTube TV - Anyone used or currently using?

I don't quite understand. Is YouTube TV a substitute for a TV, or do you need a TV to access YouTube TV? (I know I'm dense.) Thanks. Youtube TV is streaming TV plus other on demand programming. You can access it through mobile devices. At the current time you can also 'cast' it to your TV using a C...
by S&L1940
Fri Jul 21, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3964

Re: Investing well for Retirement can be frustrating

To put things in perspective: Until recently, even the most powerful monarchs did not have indoor toilets. Kings, emperors, czars, and shahs would envy Bogleheads' thrones. Contemplate your good fortune when either envy or nature calls. Victoria getting down to raw basics are we? and deep-seated tr...
by S&L1940
Fri Jul 21, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3964

Re: Investing well for Retirement can be frustrating

VictoriaF wrote:To put things in perspective:
Until recently, even the most powerful monarchs did not have indoor toilets. Kings, emperors, czars, and shahs would envy Bogleheads' thrones.
Contemplate your good fortune when either envy or nature calls. Victoria
getting down to raw basics are we?
by S&L1940
Thu Jul 20, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3964

Re: Investing well for Retirement can be frustrating

Not that much different than the parents who boast of their big dollar lawyer and venture capitalist children The dear wife and I sit quietly and if asked, mention in passing that our kids are in teaching, social service and keeping up the support system for the less fortunate of our population. Low...
by S&L1940
Wed Jul 19, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: 2008 auto carry collision with 1K deductible?
Replies: 9
Views: 671

Re: 2008 auto carry collision with 1K deductible?

thanks all, pretty much figured the collision not worth the extra cost, needed the added Boglehead viewpoint
things are sometimes different in Florida, like requiring personal injury protection
Bogleheads always come through
by S&L1940
Tue Jul 18, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2008 auto carry collision with 1K deductible?
Replies: 9
Views: 671

2008 auto carry collision with 1K deductible?

Nissan Maxima 2008 in good condition and 52K mileage, internet look up says it may be worth $5-$6 thousand tops battery, brakes, standard maintenance are the main expenses car used for local driving, no long distance trips anticipated, our only vehicle, expecting/hoping to last maybe 5+ more years D...
by S&L1940
Thu Jul 13, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14553

Re: [Sam's Club, Costco, BJ's, and other wholesaler clubs]

A few points. $5 dollar more for a year and it is even worth talking about?Come on. If I did not start the $5 rant then all the follow up posts would have instead been focused on less important things like 'review my asset allocation' and 'should I refinance my mortgage?'. the point I was trying to...
by S&L1940
Thu Jul 13, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14553

Re: [Sam's Club, Costco, BJ's, and other wholesaler clubs]

A few points. $5 dollar more for a year and it is even worth talking about?Come on. If I did not start the $5 rant then all the follow up posts would have instead been focused on less important things like 'review my asset allocation' and 'should I refinance my mortgage?'. the point I was trying to...
by S&L1940
Thu Jul 13, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14553

Re: Sam's Club vs. Costco

I had a really bad experience at Sams: Went through the check out with my basket and paid. Got to door and they checked my basket against my receipt. The clerk had some how not rung up one of my items and I was treated like a shop lifter. Was so embarrassed I never went back again. birdy I used to ...
by S&L1940
Wed Jul 12, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14553

Re: Costco with a "gentle" bump for memebership

bottlecap wrote:Bizarre thread. Just weird. Is it a full moon? JT
nope, next full moon on the 23rd...
by S&L1940
Wed Jul 12, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14553

Re: Costco with a "gentle" bump for memebership

... and, yes, overall Costco is usually a better deal than BJ's I did state that we save bucks with Costco - as we do with our BJ's membership thanks for the comments I probably wouldn't pay for 2 warehouse club memberships. I'd pick which one is more likely to save more, and try that for a while. ...
by S&L1940
Wed Jul 12, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14553

Re: Costco with a "gentle" bump for memebership

Does a $5 increase in yearly membership really warrant a thought as to whether a Costco membership is no longer "worth it"? My family saves $5 on gas every week. If $5 warrants concern, I guess you're close to the marginal utility you're getting from Costco. It wouldn't faze me. JT had the same tho...
by S&L1940
Tue Jul 11, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14553

Costco with a "gentle" bump for membership

[Thread merged into here, see below, next page. --admin LadyGeek] Costco sent me a notice that our membership renewal is going up another $5 Wonder at what point joining may become financially a wash? We easily spend $100 to $150 each month for much of our home needs. The amount rises when we look ...
by S&L1940
Tue Jul 04, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3285

Re: Surge Protector for Refrigerator

You could also look into a whole house surge protector - I believe that exists.. Florida claims to be the nation's lightning capital. local utility offers install and monthly fees that are ridiculous. for my home needed to find the right unit that fit the breaker box. Home depot did not carry my un...
by S&L1940
Sat Jul 01, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 14012

Re: Bogleheads: you should be buying 10-year old cars

If 10 years is too old, how often do people buy new cars? Mine is approaching 10 years and shows no sign of age other than a nick or two. It only has 80,000 miles on it - I figure it is good for another 80K easily. yes, we already have a 9+ year old (53,000 miles) that can (we hope) do another 5 ye...
by S&L1940
Mon Jun 26, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14553

Re: Sam's Club vs. Costco

I have read so many comments, here and elsewhere, from rabid Costco fans that I have been eagerly anticipating a Costco opening nearby in the not-too-distant future. However, after reading this thread, I'm not so sure I will even join when it opens. As of right now, the only motivation I might have...
by S&L1940
Mon Jun 26, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14553

Re: Sam's Club vs. Costco

After a nightmare trying to return at TV at Sam's Club less than a week after I bought it, I cancelled my membership and joined Costco. The shopping and customer service experience makes it my preferred shopping destination. the only time Costco questioned a return was a TV 1 week after purchase. a...