Search found 403 matches

by FRANK2009
Sat May 16, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 94
Views: 5957

Re: Alternatives to Craftsman Tools

Harbor Freight seems pretty good for a consumer. I do all sorts of work on the car with their tools. No complaints.
by FRANK2009
Wed May 13, 2020 9:52 am
Forum: Investing - Theory, News & General
Topic: Experts say now is not the time to buy into index fund
Replies: 38
Views: 4509

Re: Experts say now is not the time to buy into index fund

"Experts" have been saying "It's a stock pickers market" forever. Problem is almost no can do it better than the indexes can.
by FRANK2009
Fri Apr 17, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Pixel 3a or Wait for New Iphone?
Replies: 35
Views: 1545

Re: Pixel 3a or Wait for New Iphone?

I also have a Pixel 3a. It does everything you would expect. Unless you're integrated into the Apple system, you should be fine with it.
by FRANK2009
Fri Apr 10, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2390

Re: Aeropress coffee machine stuck in shipping

Maybe you can cancel your order and pick one up from Target?


https://www.target.com/s?searchTerm=aer ... erm=aeropr
by FRANK2009
Wed Apr 08, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10276

Re: What did you do cool with your money today?

Getting ready to brave the virus infested environment at the local Walmart.
by FRANK2009
Tue Apr 07, 2020 7:32 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207269

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

Watched all 4 seasons of "Rita" on Netflix. Danish with English sub titles. The title character is a teacher who likes to do things her way, which is many times in conflict with the rules. Her personal life is also a bit of a mess. The 4th season explains why she is the way she is. Really, really go...
by FRANK2009
Sat Mar 28, 2020 6:22 am
Forum: Investing - Theory, News & General
Topic: Book suggestions for a 16 year old
Replies: 47
Views: 2154

Re: Book suggestions for a 16 year old

'If you can" by William Bernstein. Easy read with practical advice on 3 fund portfolio.



https://www.amazon.com/If-You-Can-Mille ... B00JCC5JKI
by FRANK2009
Fri Mar 13, 2020 9:57 am
Forum: Personal Investments
Topic: Setting Up an Income Stream
Replies: 14
Views: 982

Re: Setting Up an Income Stream

$4320 a year in fees is way too high for a portfolio that size.
by FRANK2009
Sat Feb 29, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Boiler cracked - heating alternatives?
Replies: 22
Views: 1082

Re: Boiler cracked - heating alternatives?

I think you're going to have to bite the bullet on this one. I live in an oil or propane heating area. No other choices except maybe over priced electric heating. That said, I replaced my ancient boiler with a Buderus brand boiler recommended by my HVAC man. One positive is the new boiler saved abou...
by FRANK2009
Fri Feb 28, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: Managed Payout Fund going away (sort of)
Replies: 5
Views: 638

Managed Payout Fund going away (sort of)

Looks like Vanguard is abandoning its 4% annual payout formula for the Managed Payout fund. Highlights from the article: -The fund's new name will be "Vanguard Managed Allocation fund"' -Investments will remain the same as the Managed Payout fund. -Investors can pull money from the fund same as any ...
by FRANK2009
Sun Jan 26, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: TurboTax importing Vanguard tax forms?
Replies: 6
Views: 867

Re: TurboTax importing Vanguard tax forms?

I've used the TurboTax import feature with Vanguard for a few years. I don't remember having a problem with 2 factor authentication even though I have it turned on for my VG accounts. I do change my password after checking the results in Turbo Tax. I would not use a service like Mint due to the conc...
by FRANK2009
Thu Jan 23, 2020 8:19 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26554

Re: Sad news: LadyGeek's husband has passed

My condolences LadyGeek...
by FRANK2009
Sun Jan 12, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 609
Views: 31689

Re: What are you listening to now

Broken Windows Serenade by Whiskey Myers. Saddest song I ever heard.
by FRANK2009
Wed Dec 18, 2019 5:27 am
Forum: Personal Investments
Topic: Vanguard Global Minimum Volatility Fund Investor Shares (VMVFX)
Replies: 6
Views: 792

Re: Vanguard Global Minimum Volatility Fund Investor Shares (VMVFX)

Annual dividends and capital gains. Nothing to worry about. Assuming you reinvest, you have more shares.
by FRANK2009
Mon Dec 16, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: Not Experiencing Any Problems With Vanguard
Replies: 90
Views: 7151

Re: Not Experiencing Any Problems With Vanguard

30 years with Vanguard. Just watching my account values grow. Other than missing their cash management (Vanguard Advantage) account go away, never had a problem.
by FRANK2009
Sun Nov 17, 2019 8:14 am
Forum: Personal Investments
Topic: Why do you have to "beat the market"?
Replies: 97
Views: 6878

Re: Why do you have to "beat the market"?

I'm happy to take what the market gives. Not many people can consistently beat the market.
by FRANK2009
Sat Nov 09, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 7094

Re: Was I ripped off at the car dealership?

Maybe, maybe not. The dealer could have saved you an engine. OTOH, tightening the pan bolts to spec may have been all that was needed.
by FRANK2009
Sat Oct 26, 2019 7:09 am
Forum: Personal Consumer Issues
Topic: Wireless exterior video camera
Replies: 20
Views: 2203

Re: Wireless exterior video camera

I've had a wireless Ring for a few months. Video is very good. Still get false alarms even after adjusting for perimeter. There's also a 30/year subscription fee to save videos. Overall it does what its supposed to.
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: 2189

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: 2189

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: 5059

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: 59
Views: 25404

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: 13537

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: 69063

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: 8549

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: 2366

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: 2735

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: 9064

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: 1066

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: 2562

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: 1066

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: 5431
Views: 1349332

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: 4779

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: 6375

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: 69063

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: 69063

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: 9630

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: 9630

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: 1186

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: 1907
Views: 207269

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: 115
Views: 9963

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: 115
Views: 9963

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: 621

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: 206
Views: 29035

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: 6407

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: 3299

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: 12681

Re: Anyone else not enjoy going out?

Not anti-social...just prefer to be in the company of my dogs.