Search found 213 matches

by victorb
Thu Mar 01, 2018 4:13 am
Forum: Investing - Theory, News & General
Topic: American Funds Actuve Management beats Index Funds
Replies: 16
Views: 2189

American Funds Actuve Management beats Index Funds

I don’t see the American Fund advantage in the chart within the article; what am I missing?


https://www.americanfunds.com/individua ... m_fb_50110
by victorb
Thu Feb 22, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Replacing Tires on BMW X3
Replies: 21
Views: 3869

Re: Replacing Tires on BMW X3

Tread may look OK, but needs to be measured. Depth of 4/32" or less can cause hydroplaning and should be replaced. 2/32" of an inch or less is the shortest legal depth in many States. TireRack has great data on tire characteristics from actual users. My dealer matched Michelin prices from Costco and...
by victorb
Thu Feb 15, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 169
Views: 19279

Re: Number at which to stop worrying

Do some "what if" with Firecalc.

http://www.Firecalc.com
by victorb
Sat Jan 20, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Indestructible winter gloves
Replies: 11
Views: 1467

Re: Indestructible winter gloves

I have had excellent service with gloves from Berne. They have ones with 3M - Thinsulate and a waterproof barrier. They also have them in large sizes up to 4XL. You can buy them locally or from http://www.bernedirect.com They also have great stocking caps with a layer of 3M - Thinsulate between two ...
by victorb
Sun Jan 14, 2018 1:27 am
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1701

Re: Replacement Suggestions For Microwave Oven

The Panasonic Inverter Microwaves are very good. We have one with excellent results
by victorb
Wed Jan 10, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 49
Views: 7360

Re: New Garage Doors

We installed new Midland Doors 15 years ago and have had great service from them. They are a metal skin with interior insulation. They are very quiet and exceptionally strong. My father in law has metal doors, no insulation - single skin and they are very noisy/clanky going up and down. They also cl...
by victorb
Tue Jan 09, 2018 1:01 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 12721

Re: New mattress

Take your time on this one. It is a very very personal decision and some people love the Sleep Number Beds with the separate inflation bladders on each side. Some love the foam, latex, etc. etc. etc. I personally get too warm with the foam type mattresses. Put on your most comfortable clothes and vi...
by victorb
Sat Dec 30, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11309

Re: I Want to Buy a Horrible, Expensive Car

You are looking for something, but only God knows what.
by victorb
Fri Dec 29, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 4351

Re: Hyundai quality and reliability

We have a 2012 Santa Fe and a 2017 Santa Fe Sport and both have been great SUVs. We have had Toyotas and were going to get another RAV4 and then test drove a Santa Fe. We liked several features of the Santa Fe better than the RAV4 and have never regretted it. The best warranty in the industry and th...
by victorb
Wed Dec 20, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Question re: Funeral
Replies: 18
Views: 2397

Re: Question re: Funeral

The majority of people will want to do something to really help you and will follow your wishes. When my uncle died, he had it in his will - in lieu of - please do something nice to special person in your life. I thought that was a good option also for people. If your sister's family needs help, by ...
by victorb
Fri Dec 15, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 6710

Re: I am buying a car: Most/Least Reliable Makes?

Don't overlook Hyundai; we have had excellent service from two different Santa Fe SUVs. Friend of mine has had five Sonatas. He drives them to 150-175k and trades for a new one. Best warranty in the industry and low cost of ownership - just what Bogleheads would want. https://www.hyundaiusa.com/new-...
by victorb
Thu Dec 14, 2017 10:24 pm
Forum: Investing - Theory, News & General
Topic: "Vectors"
Replies: 5
Views: 1245

Re: "Vectors"

I have read George Sisti for years and have always found his information valuable. He also writes or has written for MarketWatch under the RetireMentors section.

https://www.marketwatch.com/retirement/ ... orid=21560
by victorb
Fri Dec 08, 2017 12:45 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 85
Views: 9454

Re: Jack Bogle Is Worried About U.S. Pensions

That is one of the reasons I opted for a lump sum distribution and invested it a low expense ratio fund.
by victorb
Fri Dec 08, 2017 12:37 am
Forum: Investing - Theory, News & General
Topic: National Pearl Harbor Remembrance Day
Replies: 19
Views: 1397

Re: National Pearl Harbor Remembrance Day

My Father was a POW in a German Camp near Fuerstenberg, Prussia for 829 days(2 years - 4 months). He survived and lived to 92 years old. He was the best father in the world and I am so thankful for him. He always told us Freedom isn't free. Thank You Mr. Larimore for the posting and making sure we r...
by victorb
Sun Dec 03, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 273356

Re: Best watch for around $5,000?

I don't know how the $5,000 target was chosen, but I would like to make a great recommendation for another reason. I understand the Rolex, Omega and others for appreciation and status. If that is the case, great and more power to you. I started using the Citizen Eco-Drive watches almost at the begin...
by victorb
Sat Dec 02, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 8076

Re: How to convince DW that high miles used car is OK

Depends on your priorities; we value all the safety features like, collision avoidance, blind spot detection, smart cruise control, pedestrian detection, lane change detetion, etc. etc.......... of newer cars and will buy car as new as possible to obtain all these features. We feel our lives and tho...
by victorb
Tue Nov 21, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 3484

Re: LED Lightbulbs - Recommended Brands

CREE LED bulbs had some issues in the early days of them being released. The later CREE bulbs have lasted for me and give good light. I have also used FEIT and also had some early issues. My conclusion is the entire market is getting better with time. I used some Philips and had the same problems. S...
by victorb
Mon Nov 20, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 2679

Re: Recommend a daily driver

I would also seriously consider a Honda Civic, Toyota Corolla or Hyundai Elantra. There are some great deals on new cars and you would be covered by warranty for a minimum 3 years - 36,000 miles and full road side protection. If you are concerned about no hassle and no extra repair costs, that would...
by victorb
Sat Nov 04, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 19079

Re: What was the main reason you retired?

I turned 62, which was my goal set years ago. My wife was already retired and was encouraging me to retire. Company was changing and my job wasn't as fulfilling, as in the past. Financially in a good spot to make it happen. Knew there would not be a lack of things to do and keep my occupied. Best de...
by victorb
Sun Oct 29, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund vs. ETF(Total Bond Fund)
Replies: 9
Views: 897

Re: Mutual Fund vs. ETF(Total Bond Fund)

Thank You, it was aftermarket and the spread was quite large. I appreciate all the great information!
by victorb
Sun Oct 29, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund vs. ETF(Total Bond Fund)
Replies: 9
Views: 897

Re: Mutual Fund vs. ETF(Total Bond Fund)

Account is at Scottrade. I noticed that Bond ETF (BND) has a Bid of 81.01 and Ask of 81.93. That seems like quite a large split. What price would you use as a limit on buying?
by victorb
Sun Oct 29, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund vs. ETF(Total Bond Fund)
Replies: 9
Views: 897

Mutual Fund vs. ETF(Total Bond Fund)

I am looking at the Vanguard Total Bond ETF ( BND) and the Vanguard Bond Mutual Fund (VBTLX). I looked at the comparison characteristics in the Vanguard website and I feel pretty comfortable with the data. There are always items that can be missed or not viewed as important and later on are a big de...
by victorb
Mon Oct 23, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 13509

Re: Converting to Safety Razors

I have tried Safety Razors, electric razors and the best & quickest solution was a Schick Hydro 5 using Gillette Edge Gel.
by victorb
Thu Oct 19, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 17960

Re: anyone else not liking the new cars?

I don't like the new front ends either on the Toyota & Lexus lines. A lot of people are recommending the Genesis G80 and that is one fine automobile. I was going to go up from a Camry and I rented a Hyundai Santa Fe Sport for business. I really liked sitting up higher and the Ultimate version had ev...
by victorb
Sun Sep 24, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds & Bond ETFs
Replies: 2
Views: 506

Bonds & Bond ETFs

What articles, websites, forums, books, etc. have you found valuable on Bond Investing and especially Bond ETFs?

Thank You for any information.
by victorb
Thu Sep 14, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 4498

Re: Retirement - Living in Colorado

Thank You for all the great answers and comments. We currently live in Bloomington, MN and are extremely happy with the way the city is run. There are certainly more pluses than negatives. The winters can be tough, but with retirement, I can wait a day and then the roads are all cleared and I have m...
by victorb
Tue Sep 12, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 4498

Retirement - Living in Colorado

Just entered retirement recently and have been reading about good cities to live in. Colorado Springs was one of the cities named and it looks like a nice place to live. Does anyone have first hand experience living in Colorado Springs or any other city in Colorado? Currently living in Minnesota and...
by victorb
Sun Sep 10, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance between COBRA & Medicare
Replies: 5
Views: 583

Medical Insurance between COBRA & Medicare

I will need to have Medical Coverage for 1 1/2 years before 65 and when COBRA eligibility expires. We have lost some options via the ACA(Afffordable Care Act) and what is left may mean Care Facility & Doctor Changes. I am looking into all my options and would like to hear what others have done to br...
by victorb
Sun Aug 06, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 57
Views: 7909

Re: Love your family car? Under $16,000? Please share!

We have had great luck with Hyundai also. The Elantra is an excellent car.
by victorb
Thu Aug 03, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 11427

Re: LED light bulbs

Feit from Costco have been very good for me. I also have used the CREE bulbs from Home Depot. I had a new Phillips 3-way LED of 50-100-150 and the first lasted about 2 days. The replacement has been great with no problems. LED's are still not there for dimmable use, but with new LED dimmer and some ...
by victorb
Tue Jul 18, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 9003

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

Review Consumer Reports and make sure the mower meets/fits your needs. Electric Mowers are getting much better and some people love them totally. Some people only mulch and want a good mulching mower. Toro and Honda have top mulching mowers and the Honda mowers with the 4 in 1 Clip Director are extr...
by victorb
Sat Jul 15, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: Can American Funds be worth the load?
Replies: 17
Views: 4197

Can American Funds be worth the load?

Anyone have longtime experience with American Funds?

https://www.americanfunds.com/individua ... sults.html
by victorb
Mon Jul 03, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 21256

Re: Sam's Club vs. Costco

wrongfunds wrote:"Nobody shops at Costco, it is too crowded"

- Yogi Bera
This is a great post and made my day! Thank You!
by victorb
Fri Jun 23, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 59
Views: 7679

Re: Is the new Chevy Equinox any good?

Friend of mine had a 2014 Equinox as a company car and he was disappointed with the power and the automatic shifting all the time. He bought a Subaru Outback for his personal car. Sister has a Nissan Rogue, in fact 2 or 3 over the years and have been happy. Don't overlook Hyundai Tuscon or Santa fe ...
by victorb
Thu Jun 22, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 6352

Re: Turbochargers

You should drive the vehicle with a non-turbo engine and with the turbo engine. We looked at both the 2.4 4-cylinder non-turbo and 2.0 Turbo 4-cylinder on the Hyundai Santa Fe Sport. The 2.4 was fine, but the Turbo added so much more. The thing that impressed me is the torque curve of the turbo engi...
by victorb
Mon Jun 19, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Choosing between two siding contractors
Replies: 8
Views: 1151

Re: Choosing between two siding contractors

I would go with contractor number 1, without hesitation. In construction work, $4500 of grief could appear instantly and you would be kicking yourself that you didn't go with number 1.
by victorb
Thu Jun 01, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: Battery replaced on Prius hybrid car
Replies: 14
Views: 2721

Re: Battery replaced on Prius hybrid car

It is good to see that Hyundai warranties the hybrid battery of the Sonata and Ioniq for life. This is for the original owner. Subsequent owners have a 10year/100,000 mile warranty. Hyundai is using Lithium Ion technology. Toyota is using Nickel Metal Hydride batteries.
by victorb
Tue May 30, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Honda mulching mower clumping
Replies: 15
Views: 2652

Re: Honda mulching mower clumping

I have a Honda HRX217HXA and mulch all the time. If it is clumping and building up on the left rear tire, I use more overlap of previously cut grass and slow down. With very lush grass and cutting more than an inch off, it does have a tendency to clump. Make sure your blades are sharp, deck cleaned ...
by victorb
Thu May 18, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: New car sales down, discounts up
Replies: 15
Views: 2758

Re: New car sales down, discounts up

As you can see, it depends on the make and model. Sedans at this point offer huge discounts and it is definitely a buyer's market. Pickups & SUVs are in more demand and hence not as large of discounts. Buy what you really want and meets/fits your needs. Price is one variable that easily disappears i...
by victorb
Wed May 17, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 14061

Re: Which Small SUV for 15 Year Reliability?

The turbo motor in the Forester has a long pedigree in the WRX line and has demonstrated reliability. I would honestly be more wary of the non turbo motor. We have a loaded Forester XT 2017 and love it. Subaru head gasket issues were on their line of non-turbo motors. Don't exclude the Hyundai vehi...
by victorb
Wed May 10, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: My old fashioned wristwatch - update
Replies: 27
Views: 3264

Re: My old fashioned wristwatch - update

Citizen Eco-drive watches are absolutely fantastic. I have one from 1998 and it still works great. Not having to crack the case and change batteries is a huge advantage and also environment friendly. Casio also makes a Solar line and they seem to be a good watch. Seiko is making solar watches also. ...
by victorb
Sat Apr 22, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 4872

Re: Car Choices

We have two Hyundai Santa Fe with great luck.
A friend of mine, has had 5-6 Hyundai Sonatas, with 150k-175k before replacing and he just loves them.
Hyundai has the best car warranty in the business and packs a lot of features on their cars for good value.
by victorb
Wed Apr 19, 2017 12:21 am
Forum: Personal Consumer Issues
Topic: which tv and size to buy
Replies: 41
Views: 4612

Re: which tv and size to buy

Sooner or later you will want to get a larger screen, so do it now and figure out if you want a new table, entertainment center or wall mount for the new TV. You will not be happy keeping with the 25-27 inch size, that is just too small. We have 2 Samsung units and they have performed excellently.
by victorb
Wed Apr 19, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 27
Views: 37569

Re: New phone..any advantages to buying at Costco?

Costco has some excellent promotions at times. When I bought my iPhone 6 S from Costco, they added an Otter Case & a tempered glass overlay for the phone. They also had a promotion going that gave us a $350 Costco Cash Card. The data plan was the same price as the Verizon Store. So basically, you re...
by victorb
Tue Apr 18, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 10952

Re: Mens Blue Jeans - What are we buying now?!

Wrangler has many styles that fit snug, regular, relaxed, etc. etc. ......
Walmart & Mills Fleet Farm have a large selection. You can also buy direct from
http://www.wrangler.com
by victorb
Wed Apr 05, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 24155

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

Five Guys in our area has extremely greasy fries. Smashburger is a much better option in our opinion.
by victorb
Wed Apr 05, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 41
Views: 6068

Re: Where to buy new iPhone

I bought one from Costco with a Verizon contract. I was going Verizon anyway and Costco had a promotion on for the iPhone with Otter case, glass overlay and a $350 Costco Cash Card. It was a good deal to what I could get elsewhere.
by victorb
Sun Mar 26, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 24155

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

No In-N-Out in the Midwest, however Smashburger and Culver's do a great job on a burger and grilled chicken.
by victorb
Sat Mar 25, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 151
Views: 24700

Re: New SUV, $50G, Pilot/Highlander/Other

Someone mentioned Kia Sorento. Also look at the full length Hyundai Santa fe. Best warranty in the industry - 5 yr. 60,000 miles bumper to bumper and 10 yr. 100,000 mile drivetrain as is the Kia. 3.3 V6 has a 5000 lb. towing capacity It is definitely worth a look and test drive.
by victorb
Wed Mar 22, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Purchasing a 2017 Hyundai Sonata Sport 2.0T
Replies: 16
Views: 2272

Re: Purchasing a 2017 Hyundai Sonata Sport 2.0T

I just drove a Sonata Sport 2.4 liter and it was a nice riding and handling car. I would seriously try the Camry & Accord and see how they fit you and your driving and riding style & comfort. Camry has just been redesigned, 2018 model. Hyundai has come a long way; we had a RAV4 and tried the Santa f...