Search found 4385 matches

by FrugalInvestor
Sat Oct 21, 2017 5:31 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 95
Views: 6245

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

However, I have played golf with and befriended many a businessman that were better off paying the AUM, or fee only fee for their financial advisors. Not everyone has the sense or constitution, or interest, in doing it themselves. In fact, at times, it can be a significant bragging ritual when comp...
by FrugalInvestor
Thu Oct 19, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Deed, Beneficiary Title, for R/E, Cars, etc.
Replies: 13
Views: 518

Re: Beneficiary Deed, Beneficiary Title, for R/E, Cars, etc.

Did an attorney prepare your trust? If so, why not check with them to make sure the documents co-ordinate correctly with your trust...or if there may be a better way to handle these items? We used an attorney to create our trust (in AZ) and follow-up questions like this are answered at no charge. Ma...
by FrugalInvestor
Tue Oct 17, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 93
Views: 7537

Re: how long did it take to get used to retirement

No time at all. It came very naturally. I'm always as busy as I want to be doing things I want to do. Since we've moved to a 55+ active community we've made the best friends that we've ever had and our social lives are full. I've been retired for over 14 years and have never regretted one moment. Re...
by FrugalInvestor
Tue Oct 17, 2017 4:35 pm
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 2896

Re: 30th Anniversary of October 19, 1987 stock market crash

I got very nervous about talk of overvaluation prior to the crash and sold all my holdings (which weren't too substantial at that time). Of course, it took me much too long to get back into the market. That was one of the earliest Boglehead learning moments in my investing life.
by FrugalInvestor
Mon Oct 16, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1021

Re: Experience with "mini-monovision" cataract implants?

I'm considering whether to go with "mini-monovision" cataract implants vs. standard correction for distance in both eyes. Wondering if anyone has done this and what your results have been, particularly downsides. I'm especially concerned with vision for night driving if both eyes are not corrected ...
by FrugalInvestor
Mon Oct 16, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4524

Re: Which Streaming Service/Live TV?

Not sure what you mean. Netflix allows you to buy a 1, 2 or 4 screen subscription. Are you saying you must personally watch on 4 screens at once, nobody else can view one of the 4 screens ? Seems unlikely that was the intent. I mean you are not allowed to use your friends or relatives accounts to w...
by FrugalInvestor
Sat Oct 14, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: About Vanguard advisors: opinions, thoughts?
Replies: 78
Views: 8052

Re: About Vanguard advisors: opinions, thoughts?

Maybe things have changed but a few years ago when I retired and received a couple of lump sums I asked Vanguard for a review of my investments and suggest adjustments due to new $$ and changing circumstances. They did recommend the their 'standard' funds which at that time were a bit different than...
by FrugalInvestor
Sat Oct 14, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4524

Re: Which Streaming Service/Live TV?

patrick wrote:
Sat Oct 14, 2017 3:35 pm
Checking out DVDs from the public library is even cheaper ;)
If you're looking for live tv for things like news and sports DVDs from the library don't fill the bill. For movies they may.
by FrugalInvestor
Thu Oct 12, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4524

Re: Which Streaming Service/Live TV?

I am not criticizing people’s choices...to each their own.However,I am 65,just retired and I can afford Directv and want to watch what I want,simply,including all of my sports.I also have Netflix and Amazon Prime.My monthly cost is the same as one nice dinner out. When you look at the cost of going...
by FrugalInvestor
Thu Oct 12, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4524

Re: Which Streaming Service/Live TV?

YouTube tv sounds intriguing. Is it HD? Does it include BBC, PBS, ESPN? Those are pretty much all we watch besides Netflix. Yes to BBC and ESPN, no to PBS. I don't know of any online streaming services that include PBS. Depending on where you live you may be able to get it with an antenna. A small ...
by FrugalInvestor
Wed Oct 11, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4524

Re: Which Streaming Service/Live TV?

YouTube tv sounds intriguing. Is it HD? Does it include BBC, PBS, ESPN? Those are pretty much all we watch besides Netflix. Yes to BBC and ESPN, no to PBS. I don't know of any online streaming services that include PBS. Depending on where you live you may be able to get it with an antenna. A small ...
by FrugalInvestor
Wed Oct 11, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Join ebates for extra cash back
Replies: 22
Views: 1587

Re: Join ebates for extra cash back

I use Ebates whenever the plugin tells me there's a rebate available at the site where I'm shopping....there are lots of participating sites and the rebates can be significant in terms of percentage of purchase (today I purchased something online and got 7%). I've received well over $100 back in a c...
by FrugalInvestor
Wed Oct 11, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4524

Re: Which Streaming Service/Live TV?

We've tried most of the online streaming services for live TV. Most have had technical issues and that's why we've moved on. The exception has been YouTube TV which we use now and plan to stay with. It has been technically rock solid and we do not find using our various devices (laptop, phone, table...
by FrugalInvestor
Tue Oct 10, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 56
Views: 4372

Re: WiFi

Updated to Google WiFi early in the summer. 3 nodes. So far it has exceeded my expectations. Quite easy to set up. We have a node on each floor and I spaced them out for maximum coverage. Speed has been very good. I haven't had to reboot the Google router once. But I did have to reboot the cable mo...
by FrugalInvestor
Mon Oct 09, 2017 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4141

Re: 2 factor authentication - What if something happens to you?

I have signed the necessary paperwork with Vanguard which allows me to manage my wife's accounts using my login and for her to manage my accounts using her login. The only account we couldn't do this with was our granddaughter's 529 (which is in my name) so I signed a POA for my wife should she need...
by FrugalInvestor
Sun Oct 08, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2201

Re: Medigap Policies--So Much Conflicting Information

I guess my concern about Plan F is that the group has no new (younger) members after 2020 and the group gets sicker. Rates increase significantly as the healthier members leave since they pass underwriting. Others could get stuck with very high rates and maybe can't get out. This was a concern of m...
by FrugalInvestor
Sun Oct 08, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 37
Views: 4951

Re: Lg refrigerator vs Samsung refrigerator.

We purchased a Samsung from Lowe's 3+ years ago. I don't typically purchase extended warranties but because of past problems with icemakers we also purchased a Lowe's 3-year extended protection plan (EPP). The refrigerator developed two problems within the first 3 years and, as others have mentioned...
by FrugalInvestor
Sun Oct 08, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2201

Re: Medigap Policies--So Much Conflicting Information

FWIW, I moved from PA to FL and my medigap policy was good in both states. I also was able to switch from one medigap plan insurer to another lower-cost one without any problems or underwriting. My initial answer toward the top of this thread was incorrect and I've edited it. Mel is correct. The fo...
by FrugalInvestor
Sun Oct 08, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2201

Re: Medigap Policies--So Much Conflicting Information

So, if you choose original Medicare plus Plan F, should you want to change Plans (from F to another Plan with same insurer) OR Insurers (from current insurer for F to different insurer for Plan F - actually I guess you'd need to change insurer AND Plan since F goes away in 2020), you may or may not...
by FrugalInvestor
Sat Oct 07, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2201

Re: Medigap Policies--So Much Conflicting Information

Here's a good example of a well known provider that does not accept assignment. Also, I don't believe that they accept any Medicare Advantage plans. http://www.mayoclinic.org/patient-visitor-guide/billing-insurance/insurance/faq From the above page: Does Mayo Clinic accept Medicare patients? For ou...
by FrugalInvestor
Sat Oct 07, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2201

Re: Medigap Policies--So Much Conflicting Information

I had forgotten that Plan F was going away in 2020 for new enrollees. So, the pool of people will get sicker and sicker. I know F has a few ways to price, one being age related. I saw some numbers in my area for one insurer where F was $212 at 65 and $350 at age 80 (not the high deductible version)...
by FrugalInvestor
Sat Oct 07, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2201

Re: Medigap Policies--So Much Conflicting Information

A provider that doesn't accept assignment can charge 15% over the Medicare approved rates. A small correction. Doctors who don't accept assignment are only reimbursed at 95% of the Medicare approved rates. They can only charge 15% over their reimbursement rates. This makes the effective excess char...
by FrugalInvestor
Sat Oct 07, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7491

Re: Do you want your receipt?

mickeyd wrote:
Sat Oct 07, 2017 3:35 pm
I always demand a receipt and check them against the monthly statement. How else can you check for fraud accurately?
We do this also.
by FrugalInvestor
Sat Oct 07, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2201

Re: Medigap Policies--So Much Conflicting Information

Here's a good example of a well known provider that does not accept assignment. Also, I don't believe that they accept any Medicare Advantage plans. http://www.mayoclinic.org/patient-visitor-guide/billing-insurance/insurance/faq From the above page: Does Mayo Clinic accept Medicare patients? For out...
by FrugalInvestor
Sat Oct 07, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2201

Re: Medigap Policies--So Much Conflicting Information

I had forgotten that Plan F was going away in 2020 for new enrollees. So, the pool of people will get sicker and sicker. I know F has a few ways to price, one being age related. I saw some numbers in my area for one insurer where F was $212 at 65 and $350 at age 80 (not the high deductible version)...
by FrugalInvestor
Sat Oct 07, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2201

Re: Medigap Policies--So Much Conflicting Information

You should know that some of the very high quality Medical Centers where you might want to go should you have a serious illness like cancer do not accept Medicare assignment. Mass General, Brigham & Women's, and Mass Eye and Ear all accept Medicare. I would be very surprised if there were any signi...
by FrugalInvestor
Sat Oct 07, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 91
Views: 8818

Re: Flafship Reps

.......No big deal, mostly my guy wasn't immediately available so I spoke with whomever. Occasionally I got a new guy who was replaced before I ever even called. This was my experience as well. My rep did call every now and then just to check in which was really a waste of her time as well as mine....
by FrugalInvestor
Sat Oct 07, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 6379

Re: Has your "risk tolerance" been tested?

I was early retired in '08-'09. My desired and actual AA prior to the downturn was 60 stocks/40 bonds. During the downturn I rebalanced into stocks but couldn't bring myself to go all the way back to 60/40. I discovered through that experience that my comfort level was 50/50 and that's where I've re...
by FrugalInvestor
Fri Oct 06, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2201

Re: Medigap Policies--So Much Conflicting Information

I have tried to research the forum for accurate answers to the questions below, but I'm not finding answers. I have talked with a couple insurance agents, but they have provided conflicting info. I'm also not finding specific answers on the Medicare site. I will be Medicare eligible in December of ...
by FrugalInvestor
Fri Oct 06, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 5502

Re: Pension Freeze - What did you do?

A very important conclusion that I came to during difficult times within my company was that it does no good to get all worked up over things you can't control. All it will do is ruin your attitude and probably your reputation within the company. The company may come out the other end financially st...
by FrugalInvestor
Fri Oct 06, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3091

Re: Simple Notebook/laptop

+1 for a Chromebook. Since retiring it's all we use. Chromebooks are inexpensive, secure by design and as simple as a computer can get. If lost or broken they are simple to replace and since all the setup is saved in your Google account there is nothing to do on a replacement machine other than logg...
by FrugalInvestor
Fri Oct 06, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3978

Re: Retirees, how and how much do you pay for health insurance?

It just struck me that I have never had a good feel for how much health insurance costs in retirement. I have vaguely heard of Medicare, Medicaid, etc, but don't know how those impact the health insurance premiums. So, let me ask these questions for retirees: - how do you pay for health insurance? ...
by FrugalInvestor
Wed Oct 04, 2017 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Bank of America - BAC
Replies: 16
Views: 1289

Re: Bank of America - BAC

I'm sure I own some of that stock, but I've never purchased any.

My advice:
1. Own the market through a good total market index fund
2. Put your feet up
3. Relax
by FrugalInvestor
Wed Oct 04, 2017 10:33 pm
Forum: Investing - Theory, News & General
Topic: Throwing Down with a Primerica Advisor
Replies: 45
Views: 3248

Re: Throwing Down with a Primerica Advisor

By engaging with her you're signalling that you could be persuaded, given the right motivation. Is that so? If not, then you simply shut down the conversion by blocking her number and ghosting her. There is nothing you can say that will change her mind. Exactly! As long as you respond - either posi...
by FrugalInvestor
Wed Oct 04, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account recommendation
Replies: 22
Views: 1933

Re: Health Savings Account recommendation

HSA Bank with linked TD Ameritrade account is the best option I'm aware of. None are particularly good in terms of fees especially for those of us who don't require much service because we're saving in the accounts for the long-term.
by FrugalInvestor
Wed Oct 04, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3317

Re: Cash in a local bank or credit union

We're retired and living off our investments. We transfer enough to pay our monthly bills once we know the amounts. We also add between $500 and $1,000 for spending cash and unforeseen needs. This stays in the local bank because we like and use their billpay system to push payments. We also utilize ...
by FrugalInvestor
Tue Oct 03, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3535

Re: Equifax to offer free “credit freeze” for life

Hopefully the process for locking and unlocking will be secure.
by FrugalInvestor
Sat Sep 30, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 38
Views: 2730

Re: Seattle in 3 days

Walk down to the waterfront and board the ferry to Bremerton - it's a longer trip than Bainbridge with beautiful scenery. Disembark in Bremerton and walk about one block north to Anthony's for lunch, then board the ferry back to Seattle. As a walk-on passenger you'll only pay for a one-way trip. Ano...
by FrugalInvestor
Sat Sep 30, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4229

Re: Waxing my car!

I use Rejex because I typically only need to apply it once per year and it's relatively easy to apply and remove. It will not leave a white haze on plastic. It's a polymer sealant, not a wax...... https://www.amazon.com/CorrosionX-61002-Rejex-16oz-Bottle/dp/B0006V0LNY/ref=sr_1_2?ie=UTF8&qid=15067983...
by FrugalInvestor
Mon Sep 25, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Certified Financial Planner (CFP) ???
Replies: 26
Views: 2891

Re: Certified Financial Planner (CFP) ???

You may want to take a look here.....
https://www.cfp.net/become-a-cfp-profes ... quirements

How you interpret the information or how much stock you place in it is up to you.
by FrugalInvestor
Thu Sep 21, 2017 11:57 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8670

Re: VG wants everyone to transfer to a brokerage account?

We had a brokerage account along with our mutual fund accounts for a number of years. We had never used the brokerage account. A few years ago I received the notice you mention. I called Vanguard, explained the situation, told them I had no need for a brokerage account and asked if I could delete it...
by FrugalInvestor
Thu Sep 21, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: No More Saving???
Replies: 114
Views: 10511

Re: No More Saving???

We stopped saving earned income when we retired because there was no more but we've never stopped being careful how we spend and as a result our retirement account balances have grown over the last 14+ years net of spending. So I suppose in our case it all depends on your definition of 'saving.'
by FrugalInvestor
Thu Sep 07, 2017 5:41 am
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3545

Re: Wanting a Portable Auto GPS

Just get a current Garmin at price range $100-$150. You cannot go wrong. They come with free lifetime map updates, so no more worries about that. +1 I have this for one of my cars and also carry it for travel. I don't even think I paid $100 for mine and it works great and has lifetime maps ('LMT' m...
by FrugalInvestor
Tue Sep 05, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Bought crypto currency
Replies: 67
Views: 3631

Re: Bought crypto currency

Surprised to see negativity on bitcoins. Digital/crypto currency has gotten approval from world's top billionaires eg bill gates, top schools eg MIT, CNBC etc. Predictions screaming bitcoin could jump from $4000 to $250000. Gates said "“I think it’s a technical tour de force but that it is an area ...
by FrugalInvestor
Tue Sep 05, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Bought crypto currency
Replies: 67
Views: 3631

Re: Bought crypto currency

Nope, missed that bandwagon and will continue to. Jack Bogle has taught us to not purchase things you don't understand and I can't say that I understand them or the risks involved with them. I do understand that they seem to be a 'fad' and I don't like financial fads. They always fade away and usual...
by FrugalInvestor
Mon Sep 04, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2349

Re: How long do cars last these days (electronics)

I'd still be concerned about Android / iOS compatibility. Odds are Apple or Google will change something. This is always the largest concern for me. Apple and the others know how to make their perfectly good hardware obsolete though software upgrades. Either it becomes too slow to put up with becau...
by FrugalInvestor
Mon Sep 04, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2349

Re: How long do cars last these days (electronics)

So all of you who are kindly replying with the longevity of your very old cars are, like me, happy that they have lasted so long. My question, though, is, when I buy a new car, will the crazy electronics like backup cameras, weird dash displays, automated mirrors, etc, mostly unwanted but not optio...
by FrugalInvestor
Sun Sep 03, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: How old were you when you got your first credit card?
Replies: 46
Views: 2016

Re: How old were you when you got your first credit card?

Funny you should ask. I didn't have a credit card but I got a car loan when I was 17 (very late '60s). I purchased a car on credit and the loan paperwork was handled by our family insurance agent. My mother who was a businessperson was going to put the loan in her name since I was underage. When the...
by FrugalInvestor
Thu Aug 31, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Self insure vs Medigap when on "traditional" Medicare
Replies: 73
Views: 4797

Re: Self insure vs Medigap when on "traditional" Medicare

Be careful what you conclude from this. The others don't have stated annual OOP limits/caps but they can be effectively 0. E.g. with my plan F, I pay nothing..........either Medicare pays or the supplement pays (assuming it is a Medicare covered cost). I have plan F and didn't have to pay a nickel ...
by FrugalInvestor
Wed Aug 30, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Is this common bank queuing etiquette? (rant)
Replies: 18
Views: 1382

Re: Is this common bank queuing etiquette? (rant)

We walked into our BofA branch a couple of times in the last few months to get papers notarized, open a second checking account for special use, etc. We found that it's best to call and make an appointment. I'd rather plan in advance than wait.