Search found 360 matches

by FRANK2009
Fri Jan 18, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Umbrella Coverage for Hired Subcontractors
Replies: 5
Views: 308

Re: Umbrella Coverage for Hired Subcontractors

A while back I received a very low price quote for a new deck. The contractor was not insured. I did a little "googling" on hiring an uninsured contractor. My understanding is you become the contactor and are responsible for anything bad that may occur. It also seemed that judges do not look kindly ...
by FRANK2009
Thu Jan 17, 2019 11:41 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 85
Views: 6406

Re: Favorite quotes from Jack Bogle...an amazing man

"In investing, you get what you don't pay for"

Thank you for all you've done for all the average investors out there. For making the world a better place.


Rest in Peace...
by FRANK2009
Wed Jan 16, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 39
Views: 2571

Re: Netflix Recommendations

Just finished watching "Black Mirror" also. Pretty good, not great; except season 3 episode 4 was off the charts great!
by FRANK2009
Tue Dec 18, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Small Claims - Auto Dealer Claims No $$ To Pay Judgement
Replies: 40
Views: 3029

Re: Small Claims - Auto Dealer Claims No $$ To Pay Judgement

Not an expert by a long shot but in New York, the county sheriff will enforce these types of judgements. The dealer may not have have money now, but surely he has other cars to sell to satisfy the judgement. I would guess that it's the same or similar throughout the country. Surely the dealer saying...
by FRANK2009
Tue Dec 04, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Anyone else not enjoy going out?
Replies: 68
Views: 12174

Re: Anyone else not enjoy going out?

Not anti-social...just prefer to be in the company of my dogs.
by FRANK2009
Tue Oct 30, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 6907

Re: 401k down 8% this month

Down about 6% with a 75% equity/25% cash (a 5 year CD). Got kicked out of the 2 comma club. No loss of sleep...yet.
by FRANK2009
Mon Oct 15, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Boglehead's Car Talk
Replies: 35
Views: 3504

Re: Boglehead's Car Talk

Probably cross the Cross-trek off your list. I repeatedly read that they are slow and small.
by FRANK2009
Sun Aug 26, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 5206

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

I've had Vanguard Advantage for probably 20 years or so. Never had a problem with direct deposit. No problem with the Visa card either. Haven't used any of the other features. I don't even know what else Advantage offers. Maybe it's time to check, so thanks!
by FRANK2009
Mon Aug 20, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5219

Re: Your major and investing/finance?

Criminal Justice..Absolutely no carry over to investing. At some point along the way I decided that no one cares more about my finances than me. My limited attempts to hire financial planners were disasters. Honestly, for most people of average intelligence ( I have no allusions that I posses a supe...
by FRANK2009
Tue Aug 14, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107984

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Since investing by looking at the past isn't the best practice, I say 50% US equity/50% international. Mix in bonds in an amount that allows you to sleep well, and you're done. Stay the course as best you can. Yes I'm a simple man...
by FRANK2009
Sat Jul 28, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14849

Re: Tips for staying active / injury-free into older age

I agree with those posters that mentioned strength training. Loss of muscle as we age is limiting if not debilitating. The best book on the subject is

https://aasgaardco.com/store/books/the- ... escription
by FRANK2009
Fri Jul 13, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: One Fund During Retirement?
Replies: 10
Views: 1205

Re: One Fund During Retirement?

I like it but think about the following: -Does the fund meet your desired asset allocation? -Is this fund in a tax sheltered account (IRA, 401k, 457). Wellesly with its high percent bond component may not be the best fund for a taxable account. -15 years is a long time! Things change. But yes there ...
by FRANK2009
Sat Jul 07, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 6072

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

I'd say that's what dealers in HCOL areas charge. I also live in a HCOL area (Long Island), and your charges a just a bit higher than the Subaru dealer would charge for the same services. The dealer sent me a flyer for upcoming 3 year service and the charge was $441. By all means, as others have sai...
by FRANK2009
Sun Jun 24, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 408
Views: 41675

Re: What is/ was your career and would you recommend it now?

Another law enforcement guy here. Didn't know there were that many on this board. Worked for that big city department that everyone's heard of. Decent pay, great benefits. The second guessing by the media, average citizens, and politicized higher ups is just too much. Unless you have a burning desir...
by FRANK2009
Sun Jun 24, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3477

Re: Compliments for Vanguard?

I've had my portfolio in Vanguard for almost 30 years. I've had my paycheck, and now pension check direct deposited into my Vanguard money market fund for probably twenty years. I call Vanguard a few times a year with usually simple stuff (ETF conversions). Never, not once, had a problem. They've ea...
by FRANK2009
Wed Jun 20, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 2634

Re: 1st Car Mechanic service experience

Lots of good suggestions in this thread. I've always felt that even if don't want to do the work or can't, at least know what needs to be done. If you like and trust your new mechanic, give him as much of your business as you can.
by FRANK2009
Thu Jun 14, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Subaru Starlink Safety Plus Subscription Discount Code
Replies: 1
Views: 1147

Re: Subaru Starlink Safety Plus Subscription Discount Code

Thank You A440. My subscription ends in October for my Forester. Thought the code wouldn't work for me but it did! Saved $75! You made my day!
by FRANK2009
Mon Jun 11, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 2140

Re: Tv mount with no studs

Wait! Wait! Before you go to home depot, there are stand designed just for flat screens. No drilling, and wires can be concealed. Plenty on Amazon.
by FRANK2009
Fri Jun 01, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Affresh or Clorox?
Replies: 10
Views: 1285

Re: Affresh or Clorox?

I also find bleach every month or 2 to be effective for my front loader. I agree the Affresh tabs are too expensive.
by FRANK2009
Thu May 31, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1026
Views: 109916

Re: [What TV Show Have You Recently Watched?]

Bummed out that "The Americans" final episode aired last night. Haven't seen it yet but it's a great spy thriller!
by FRANK2009
Sun Apr 29, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Help investing rolled-over IRA - age 60
Replies: 8
Views: 771

Re: Help investing rolled-over IRA - age 60

Andy,

You're welcome. Glad to help. Yes do your due diligence. You've got to be comfortable with your choices with this stuff.

Don't hesitate to ask questions. This is the best source of personal finance information on the net.
by FRANK2009
Sat Apr 28, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Help investing rolled-over IRA - age 60
Replies: 8
Views: 771

Re: Help investing rolled-over IRA - age 60

My favorite fund for a risk averse older investor is Vanguard Retirement Income (VTINX). It is comprised of 30% stocks and 70% bonds. Average returns for the fund is about 5%. The fund did lose about 11% in '08, so you can lose when the market tanks. Taxes won't be an issue as your money is in an IR...
by FRANK2009
Sat Apr 21, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 11409

Re: NYT article: Everyone should hire a financial planner

Substitute the term "commissioned salesman" for "financial planner" then decide if you still need one. My two experiences interviewing planners were horrible; never again.

My comments don't apply to fee only planners.
by FRANK2009
Sun Apr 15, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 5179

Re: Is it necessary to replace brake fluid on a car every 3 years?

I bleed my brakes every year. My owners manual recommends 15 month intervals for severe service, which is my use. I do it myself using the 'gravity bleed" method. Simple and effective.

I don't like to second guess a car makers recommended service interval. It's there for a reason. JMO'
by FRANK2009
Thu Apr 12, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 28961

Re: Anyone Deleting Facebook?

I have an account but discovered that I'm not that interested in the lives of acquaintences. I no longer waste time with it.
by FRANK2009
Mon Apr 02, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: Primerica - a formative experience on the way to being a Boglehead
Replies: 8
Views: 2633

Re: Primerica - a formative experience on the way to being a Boglehead

A few years ago, looking for a good retirement gig, I also found myself at a job fair. I spoke briefly to someone at the Primerica table and was offered a chance to some type of meeting/lecture. with a chance to join their outfit. I don't have a finance/economics/mathamatics, etc degree, or any expe...
by FRANK2009
Sat Mar 31, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Nice article on saving money and financial independence
Replies: 36
Views: 5898

Re: Nice article on saving money and financial independence

I'd also like to wish her luck. But $2000 a month income? Not too sure about that. I skimmed the article so maybe I missed it; how does she plan to pay for health insurance?
by FRANK2009
Mon Mar 19, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Who's doing 100% international equity?
Replies: 79
Views: 10278

Re: Who's doing 100% international equity?

If John Bogle and Warren Buffet recommended you jump off a building would you?
Since I'm not an economist/portfolio manager/financial expert of any kind, I tend to listen to respected experts in their chosen field of endeavor.


Your comment was rather immature.
by FRANK2009
Tue Mar 13, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Who's doing 100% international equity?
Replies: 79
Views: 10278

Re: Who's doing 100% international equity?

When John Bogle and Warren Buffet recommend 100% international, I will consider it...
by FRANK2009
Sun Mar 04, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock ETF (VT) as a proxy for an internationally diversified portfolio?
Replies: 20
Views: 3512

Re: Vanguard Total World Stock ETF (VT) as a proxy for an internationally diversified portfolio?

I like simple also. As such, VT is my only equity holding. Can one do better? Maybe, but no one knows until after the fact.
by FRANK2009
Wed Feb 28, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Safety or stocks for house down payment fund?
Replies: 15
Views: 1214

Re: Safety or stocks for house down payment fund?

May I suggest that they do both? Maybe something like Vanguard Retirement Income Fund; 30% stock/70% fixed income. Of course if they absolutely will need to buy the house in 7 years, then a CD or short term bond fund would be the way to go.
by FRANK2009
Mon Feb 26, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: 66 yr old Woman Needs HELP!
Replies: 68
Views: 4409

Re: 66 yr old Woman Needs HELP!

Hate to recommend a SPIA annuity, but it might the best option for you. You can buy thru Vanguard, 50%(388k) of your 776k would give you over $2000 a month plus $900 SS, thats close to $3000 a month and you still have 388k to invest in case inflation comes back. I agree with naha66 on this. Also, i...
by FRANK2009
Sun Feb 04, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: What is the best place to buy pet food online?
Replies: 28
Views: 4278

Re: What is the best place to buy pet food online?

Another vote for Chewy. I'd buy from Amazon but without Prime (I refuse to pay for it...call me cheap), delivery times can be erratic. So far Chewy has gotten my dog's food delivered in 2 or 3 days for no extra charge. If that changes, I would need to reconsider.
by FRANK2009
Sun Jan 28, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Investment thought loops have been destroying me
Replies: 31
Views: 1641

Re: Investment thought loops have been destroying me

Yes, I have so many regrets financially and in my work and personal life that I could write a book. I've learned that no amount of thinking about things will change anything in the past. I've learned that thinking about the past leads to those "loops" you mentioned. Thinking about past regrets is wa...
by FRANK2009
Sun Jan 28, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 4536

Re: Which of these mechanic-recommended services would you pay for?

I think the recommended services may reasonably need to be done. I'm not sure but the prices seem a bit high. $600 for coolant hoses? Probably too high, but maybe that's what it is on a Mercedes, BMW, etc.

Maybe the tried and true second opinion is warranted.


Frank
by FRANK2009
Thu Jan 25, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: First experience with Financial Advisor
Replies: 18
Views: 2464

Re: First experience with Financial Advisor

Totally agree with the other posters. In house rotational strategy for a .91 ER? You spoke to a salesman.
by FRANK2009
Mon Jan 22, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 7507

Re: Work-out schedule for those in 60s

I'm 58 so hopefully close enough. My routine is workout with weights 3x a week. Also walk the dogs 3-4 miles a day. For those interested, a great book for old guys (and girls) into strength training: The Barbell Prescription: Strength Training for Life After 40. Sorry, I don't know how to link it wi...
by FRANK2009
Sat Dec 30, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 12060

Re: I Want to Buy a Horrible, Expensive Car

Part of me says "Get it, you only live once". The other more practical part says you're going to hate it once the repair bills (I'm guessing that just maintaining this thing will be a fortune) start rolling in.
by FRANK2009
Sun Dec 24, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4043
Views: 1101324

Re: What Movie Have You Recently Watched?

"Wendy and Lucy"... A girl and her dog. Slow moving and sad. Liked it since I'm dog obsessed. If you're not a dog person, don't bother.
by FRANK2009
Thu Nov 23, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 6241

Re: best cordless drill??

I bought the Bosch that this reviewer indicated was the best. No complaints but it only gets used a few times a year; light homeowner use.

https://thewirecutter.com/reviews/the-b ... -projects/
by FRANK2009
Wed Nov 15, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 2775

Re: Chromebook/Similar for Elderly Dad

I have a 15" Acer that replaced an aging Macbook. No regrets at a much better price.
by FRANK2009
Sat Nov 11, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Split the Equity allocation 50% US / 50% International
Replies: 40
Views: 6079

Re: Split the Equity allocation 50% US / 50% International

Why not just invest in Vanguard Total World and let Vanguard worry about it?

That's what I do...
by FRANK2009
Tue Nov 07, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 64
Views: 6223

Re: Coffee makers: Moka, French Press, etc.

I'ved a "pour over" daily for the past 3 years. Taste's great but it takes a few minutes to first heat the coffee then pour. Also, the cost of the filters is a bit high.

http://www.kalita-usa.com/shop-1/kalita-wave-155-dri
by FRANK2009
Mon Nov 06, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 8271

Re: Outback Vs Forester Vs CR-V ??

I've got a 2 year old Forester. Love it! Plenty of room for 2 labs and an extra person. Of course the back seat needs to be laid flat. That said, you should probably test drive all 3. Sort of a lame answer but that's my opinion
by FRANK2009
Thu Nov 02, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: New 2 comma member
Replies: 28
Views: 3362

Re: New 2 comma member

Congrats!! It appears you accomplished this during your retirement, which makes it more impressive. How long have you been retired? I've been retired for 10 years. My frugal nature, decent pension, and a mostly cooperative stock market have allowed me to invest throughout most of my adult life. Cer...
by FRANK2009
Thu Nov 02, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: New 2 comma member
Replies: 28
Views: 3362

New 2 comma member

Title says it all. Like a lot of people here, there is no way in hades I would tell anyone in person, so you guys, in relative anonymity, are it. It only took 30 years of investing (all with Vanguard). Thank you all...I've learned a lot here. Most of all, Thanks to Jack Bogle. You've made a retired ...