Search found 336 matches

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: 8274

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: 3905

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: 329
Views: 21752

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: 1552

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: 5116

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: 8832

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: 8832

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: 2290

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: 857

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: 3770

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: 2153

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: 1380

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: 3871

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: 2099

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: 6617

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: 10029

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: 3502
Views: 987718

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: 5101

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: 2249

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: 5617

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: 5547

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: 6615

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: 2917

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: 2917

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 ...
by FRANK2009
Wed Nov 01, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: Want to move kids' iPhones to a cell carrier without data overages
Replies: 18
Views: 1735

Re: Want to move kids' iPhones to a cell carrier without data overages

I'm looking at mintsim.com. Unlimited data but is "throttled" after a certain amount (depends on the plan) is used. It is an MVNO using T-mobil towers.
by FRANK2009
Sun Oct 29, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 31
Views: 4311

Re: Revised Version The Little Book of Common Sense...

Received my copy a few days ago. I'm a few chapters in. So far, nothing new, but it's good to review the basics once in a while. Looking forward to the asset allocation and retirement investing chapters.
by FRANK2009
Wed Oct 25, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 33977

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Not quite north of a million, but really close. I met with a planner ONCE. My curiosity was cured. All he wanted to do was put me in an annuity. When I declined, he wanted 2-4% to manage my portfolio. When I told him that I doubted that he could beat my index funds, he said that he know "when to get...
by FRANK2009
Mon Oct 09, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 12577

Re: Millionaire Next Door (Thank you Bogleheads)

Congratulations! Hope to join the club soon...
by FRANK2009
Thu Sep 21, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Vehicle Maintenance App
Replies: 14
Views: 1173

Re: Vehicle Maintenance App

Autosist can do that but you need to set it up manually. Eg. input mileage and reminders for when the work is next due. I don't know of an app that can do that automatically.
by FRANK2009
Thu Sep 21, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Vehicle Maintenance App
Replies: 14
Views: 1173

Re: Vehicle Maintenance App

I use Autosist on my Iphone. It does cost a couple of dollars. The app allows one to attach photos so I take a photo of whatever part I'm replacing and a photo of the car odometer. I had a problem with the app a while back and emailed the apps creator. He emailed back within the hour and corrected t...
by FRANK2009
Mon Sep 18, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Military: Investing a Windfall in Expensive Market?
Replies: 16
Views: 2350

Re: Military: Investing a Windfall in Expensive Market?

First off, it is an honor to help a service man, so thank you... Some thoughts: -Continue to invest via the TSP. Put in as much as you can, for as long as you can. Ideally, this would be your entire career. -Although the interest rate on the Honda is exceedly low, it sounds like you want to pay it o...
by FRANK2009
Sun Sep 10, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 4136

Re: At what point would you considering Umbrella Insurance

I have a pension and my net worth is approaching as they say around here, 2 commas. Amica quoted me $100 for a million in coverage; I bought it.
by FRANK2009
Tue Sep 05, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: Is it wise to direct deposit Social Sec to Vanguard?
Replies: 17
Views: 2372

Re: Is it wise to direct deposit Social Sec to Vanguard?

My paycheck, and now my pension have been going into my Vanguard money market fund for about 20 years or more. Never had a problem. I use the money market fund as my "hub". I'd say do what's convenient as it won't make a difference.
by FRANK2009
Sun Aug 20, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: Weightlifting Equipment for Home Gym
Replies: 54
Views: 6739

Re: Weightlifting Equipment for Home Gym

I bought this a few months ago for my home gym. No complaints but it took a while to assemble.

https://www.amazon.com/Deltech-Fitness- ... ch+fitness
by FRANK2009
Mon Aug 07, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: amount for king mattress
Replies: 10
Views: 1103

Re: amount for king mattress

I just bought a king bed from Brooklyn bedding. I think it it was around 1k. Its pretty nice. There's certainly a lot of information about beds on the net.
by FRANK2009
Fri Jul 28, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: AF Simple IRA to VG Simple IRA monthly "transfer"
Replies: 3
Views: 387

Re: AF Simple IRA to VG Simple IRA monthly "transfer"

I transfer IRA money in my Penfed account to my Vanguard IRA every month. No 1099, no nothing. You are correct.

Not exactly confidence inspiring that a money management firm can't get this right.
by FRANK2009
Mon Jul 24, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Would you chase down this possible hit and run lead?
Replies: 31
Views: 3400

Re: Would you chase down this possible hit and run lead?

Unless the driver of the other car admits that he hit your car it's game over. You'd need a video tape or an eye witness. Without an injury, the police probably would not investigate further. Let it go.
by FRANK2009
Fri Jul 21, 2017 6:06 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 19832

Re: Are you finding any good values at Amazon anymore?

I'm no longer finding any compelling reason to shop at Amazon. It seems that prices are not competitive and shipping takes a while. Sometimes when I do find a decent price, the product is sold to Prime members only. I won't pay extra just to be able to shop.

Walmart and Ebay do better by me.
by FRANK2009
Sat Jul 15, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 4027

Re: Urgent 1st world problem [coffeemaker]

The best I've found: https://www.amazon.com/dp/B004W5KPSQ/?t ... AAAAWTquYQ

To be fair it does take a bit of time and attention. Its very easy to use and clean though.
by FRANK2009
Sun Jul 09, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 5078

Re: can't logon to vanguard account [Website Down]

Down for me right now. Not terribly worried. This too shall pass...I hope.
by FRANK2009
Sat Jul 08, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 8790

Re: Shopping for first bike since I was a kid

A bit more than your budget but here's a review for a bike that may work for you.


http://thesweethome.com/reviews/best-hy ... uter-bike/
by FRANK2009
Sun Jul 02, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: Replicating a true Market Portfolio
Replies: 43
Views: 4935

Re: Replicating a true Market Portfolio

This ETF may be what you're looking for. If I understand correctly, the ETF holds assets in direct proportion to its global allocation.

http://cambriafunds.com/gaa.aspx
by FRANK2009
Fri Jun 30, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Where Did The 4% Rule Come From (Hint It Wasen't From The Trinity Study)
Replies: 6
Views: 1854

Re: Where Did The 4% Rule Come From (Hint It Wasen't From The Trinity Study)

Thank You Jack! That website has been bookmarked. The linked Bengen piece was VERY interesting. I need more time to fully read it.

Sharing this type of information is what makes Bogleheads.org the best site on the internet!

Frank
by FRANK2009
Mon Jun 26, 2017 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Paying bills
Replies: 3
Views: 836

Re: Paying bills

A Vanguard Advantage Account may work for you. I used this service for years with no problems. I set up direct deposit from my employer to my Advantage account. Money is directed as needed.

https://personal.vanguard.com/us/help/FAQVAAContent.jsp
by FRANK2009
Sat Jun 24, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 2996

Re: Cars my only weakness, make me feel bad!!

So your only vice is buying a new car every 4-5 years? As long as it doesn't affect your savings, (you say it doesn't) you have nothing to worry about.

Enjoy your new cars!
by FRANK2009
Sat Jun 24, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 5134

Re: Worthwhile TV programming?

I just watched both seasons of "Billions". Really good! The main character even mentions Vanguard, but not in a good way. He is a hedge fund manager though.
by FRANK2009
Wed May 10, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 4207

Re: What to do with older laptop?

I like the Linux idea too. I use Elementary on an old Apple laptop. Fine for web surfing and probably more if you want to spend time learning.
by FRANK2009
Thu Apr 13, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Car waxing/sealant for a newb (not for high level detailing)
Replies: 10
Views: 1557

Re: Car waxing/sealant for a newb (not for high level detailing)

My suggestion is to wash the car weekly (weather permitting) with any car wash soap you can find at Walmart. I'm not sure there's much difference between them. I also use a "wax as you dry" type spray. Every month or so, apply wax or sealant. Don't ask me how they are different, I don't know. My cur...