Search found 384 matches

by FRANK2009
Thu Aug 29, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?
Replies: 26
Views: 1691

Re: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?

If they cleared the code, it's gone. However assuming the malfunction still exists, the code will return.
by FRANK2009
Thu Aug 29, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?
Replies: 26
Views: 1691

Re: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?

It's not that it can't be fixed; they don't want to fix it. Warranty repairs are reimbursed by Honda Corp at a lower rate than retail customers pay. I'd ask the service adviser what the purpose of a warranty is if the car can't be repaired when it's broken.
by FRANK2009
Thu Aug 15, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 39
Views: 4504

Re: Do burglars steal and use paperwork?

In the increasingly distant past, I was a police officer. Have seen the aftermath of many burglaries. Peoples homes and apartments were left a mess as thieves love to dump the contents of drawers onto the floor. To answer your question though, no one ever said their financial documents were taken.
by FRANK2009
Fri Jun 28, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 58
Views: 16129

Re: Picking up New Subaru-Worth buying extended warranty?

I bought the extended warranty on my Subaru for the reasons stated. Electronics and all that. Well as luck (or unluck?) would have it, a sensor in the airbag system failed, causing the airbag light on the dash to illuminate. This occurred shortly after the factory warranty ran out. I paid $2000 for ...
by FRANK2009
Wed Jun 19, 2019 7:21 am
Forum: Investing - Theory, News & General
Topic: Investing in Multiple Streams of Income? (NOT get rich quick)
Replies: 129
Views: 12221

Re: Investing in Multiple Streams of Income? (NOT get rich quick)

-Pension

-Social Security (eligible in few years)

-Low 7 figure portfolio

I have enough.

Frank
by FRANK2009
Sat Jun 15, 2019 7:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59789

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I linked my credit union account with my Vanguard account. What I thought would be a major hassle turned out to be nothing. I regularly put money through both accounts without any problems. Life goes on...
by FRANK2009
Fri Jun 07, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 7771

Re: Favorite youtube channels?

Another vote for South Main Auto Repair. Eric is a fantastic diagnostician. Also if there's no one better to watch if one wants to attempt brake repairs.
by FRANK2009
Fri May 31, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 1993

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

I have that exact Bosch drill. It's fine as a tool for the average home owner. I just used it to replace a lock. It also sees use when it's time to replace deck boards. Only negative is removing the battery can be difficult.
by FRANK2009
Fri May 03, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: new Subaru Forester 2019 - Accessories?
Replies: 27
Views: 2567

Re: new Subaru Forester 2019 - Accessories?

suemarkp wrote:
Thu May 02, 2019 11:17 pm
. I'd get the body side mouldings if yours doesn't have them -- helps prevent door dings.

Yes, get the side moldings. An errant shopping cart hit my Forester on a windy day. Now I have to look at 3 door dings everyday.
by FRANK2009
Tue Apr 23, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: What, if anything, do I owe this guy?
Replies: 82
Views: 8416

Re: What, if anything, do I owe this guy?

2% is 2% too much. You can do it yourself for a fraction of that, and probably do a better job. Ask questions here and read on your own.

I guess a polite "I've reconsidered your offer but not at this time" would be in order.
by FRANK2009
Mon Apr 22, 2019 4:57 pm
Forum: Personal Investments
Topic: Exchange Vanguard Admiral for Investor- capital gains?
Replies: 16
Views: 992

Re: Exchange Vanguard Admiral for Investor- capital gains?

Thesaints wrote:
Mon Apr 22, 2019 4:18 pm
FRANK2009 wrote:
Mon Apr 22, 2019 3:52 pm
I think the downgrade will be recorded as a sale.
Why do you ?
After thinking about it, I think I am wrong. Page 27 of the statutory prospectus for the Health Care fund reads as follows "A conversion between share classes of the same fund is a nontaxable event". My apologies...
by FRANK2009
Mon Apr 22, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Locast: An Approach to Cord Cutting?
Replies: 8
Views: 2402

Re: Locast: An Approach to Cord Cutting?

Have it for a few months and like it. It was unwatchable with that nag screen every 15 minutes. I have an antenna but it doesn't work reliably. I happily spring for the $5.
by FRANK2009
Mon Apr 22, 2019 3:52 pm
Forum: Personal Investments
Topic: Exchange Vanguard Admiral for Investor- capital gains?
Replies: 16
Views: 992

Re: Exchange Vanguard Admiral for Investor- capital gains?

I think the downgrade will be recorded as a sale. I'd say ask Fidelity and or Vanguard but they may not know either. Your situation sounds unique.
by FRANK2009
Sun Apr 21, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4697
Views: 1204969

Re: What Movie Have You Recently Watched?

Just saw "The Leisure Seeker". Donald Sutherland and Helen Mirren were both great! Funny and sad with a kind of predictable ending. Probably better suited to an older demographic. I liked it.
by FRANK2009
Wed Apr 03, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Ready to buy a new cheap smartphone - any gotchas?
Replies: 44
Views: 4457

Re: Ready to buy a new cheap smartphone - any gotchas?

I have a Motorola bought in September 2017. It cost something over $200. Perfectly adequate. I've had iphones; don't see what all the fuss is about. Next phone will probably be a cheap one.
by FRANK2009
Tue Mar 12, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 80
Views: 5685

Re: best cheap printer

I also recently bought a Brother all-in -one black & white laser printer. It's been fine for my occasional needs. The only caution is printing envelopes is a bit of a pain.
by FRANK2009
Sun Mar 03, 2019 7:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59789

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I can work around the loss of the Advantage account without too much hassle. I can't help thinking though, that if I were a new investor, I would not consider Vanguard when Schwab and Fidelity also offer inexpensive index funds AND a CMA.
by FRANK2009
Thu Feb 28, 2019 3:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59789

Re: Discontinuing VanguardAdvantage Accounts

Vanguard Advantage worked flawlessly for me for at least 20 years. Just submitted the form from my pension to have direct deposit go to my credit union account. Not happy about it but I don't think the powers that be at Vanguard will reverse their decision. I'm a little concerned that Vanguard no lo...
by FRANK2009
Wed Feb 27, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 8600

Re: How often do you and your friends change engine oil?

The owners manual says 3 months/3000 miles so that's what I do. Probably too often but Subaru is smarter than me when it comes to these things. That is not what the manual says. Subaru calls for a break-in oil change at 3,000 miles (from brand new) in all models up through 2012, and then another tw...
by FRANK2009
Tue Feb 26, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 8600

Re: How often do you and your friends change engine oil?

The owners manual says 3 months/3000 miles so that's what I do. Probably too often but Subaru is smarter than me when it comes to these things.
by FRANK2009
Sun Feb 24, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Any Experience with VanguardAdvantage Direct Deposit?
Replies: 8
Views: 1095

Re: Any Experience with VanguardAdvantage Direct Deposit?

I have nothing to add as far as the mechanics of setting up the account. I can say that I've had direct deposit for my pay check & now pension check for over 20 years. NEVER had a problem. Money shows up in the money market account when it's supposed to every time. I also occasionally use the debit ...
by FRANK2009
Fri Feb 15, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1457
Views: 149211

Re: Personal favorite TV/cable series

02nz wrote:
Fri Feb 15, 2019 11:10 am
The Americans

A near perfect series. Sad to see it end.
by FRANK2009
Tue Feb 05, 2019 1:59 pm
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 8244

Re: If you are old, why bother with rebalancing!!?

Likewise when you need to make a withdrawal you would want to take it out of any asset class that is overweighted.
Yes, I am just old enough to make penalty free IRA withdrawals. but haven't done so yet. When the time comes, withdrawals will be made with an eye toward asset allocation.
by FRANK2009
Tue Feb 05, 2019 1:45 pm
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 8244

Re: If you are old, why bother with rebalancing!!?

I've come to a similar conclusion.

I would NEVER sell in at taxable fund regardless of age.

In my IRA, I''d only rebalance with new money. If it took a few years to do so, no big deal.
by FRANK2009
Fri Jan 18, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Umbrella Coverage for Hired Subcontractors
Replies: 7
Views: 599

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: 158
Views: 16815

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: 53
Views: 5669

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: 3133

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: 12373

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: 7098

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: 3584

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: Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 6967

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: 5355

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: 114067

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: 15400

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: Personal Investments
Topic: One Fund During Retirement?
Replies: 10
Views: 1656

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: 6217

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: 484
Views: 54079

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: 3726

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: 2692

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: 3
Views: 2577

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: 2218

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: 1985

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: 1457
Views: 149211

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: Personal Investments
Topic: Help investing rolled-over IRA - age 60
Replies: 8
Views: 862

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: Personal Investments
Topic: Help investing rolled-over IRA - age 60
Replies: 8
Views: 862

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: 13502

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: 7054

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'