Search found 4308 matches

by FrugalInvestor
Sun Aug 20, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Leveraging minority ownership into healthcare?
Replies: 10
Views: 605

Re: Leveraging minority ownership into healthcare?

Thanks for your thoughts, dm200. It's my understanding that if we decline Cobra and go on ACHA, we can't change our minds later and opt for Cobra. With the current uncertainty surrounding ACHA, I am really nervous about what might happen there in the next four years. Cobra will only get us 18 month...
by FrugalInvestor
Fri Aug 18, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: I cut the cord a couple years back but think I'm going back to cable
Replies: 47
Views: 7668

Re: I cut the cord a couple years back but think I'm going back to cable

We've used Sling, DirecTV Now, Playstation Vue and YouTube TV to watch in-market baseball live (the main reason we stream live TV). In our case we need the local Fox Sports affilliate. Of the four services YouTube TV is by far the best quality and most reliable without any glitches. We cancelled th...
by FrugalInvestor
Fri Aug 18, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: I cut the cord a couple years back but think I'm going back to cable
Replies: 47
Views: 7668

Re: I cut the cord a couple years back but think I'm going back to cable

chrischris wrote:
Thu Aug 17, 2017 11:10 pm
I heard there is a service called Unloctor that changes your online location so MLB.com won't blackout your local games. I think it's pretty cheap too.
If pirating is your thing then that may be a way to go. It's not mine.
by FrugalInvestor
Thu Aug 17, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: I cut the cord a couple years back but think I'm going back to cable
Replies: 47
Views: 7668

Re: I cut the cord a couple years back but think I'm going back to cable

If you are in an area where you can receive a good antenna signal having one can provide great leverage. Go ahead and cancel your cable during the off-season for programming you're particularly interested in. Then sign-up again a couple of months later and get the new customer special. Some will let...
by FrugalInvestor
Thu Aug 17, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 7862

Re: Are we house poor? [Property Tax Madness]

Yes, do appeal the increase. I did this year after recieving an initial notification of 40% increase!! I had a very pleasant experience. I called the tax office up and said "listen, I think the increase is out of line because I haven't renovated my home" and the guy told me exactly what to write on...
by FrugalInvestor
Wed Aug 16, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: I cut the cord a couple years back but think I'm going back to cable
Replies: 47
Views: 7668

Re: I cut the cord a couple years back but think I'm going back to cable

We've used Sling, DirecTV Now, Playstation Vue and YouTube TV to watch in-market baseball live (the main reason we stream live TV). In our case we need the local Fox Sports affilliate. Of the four services YouTube TV is by far the best quality and most reliable without any glitches. We cancelled th...
by FrugalInvestor
Mon Aug 14, 2017 12:25 am
Forum: Personal Consumer Issues
Topic: Paint vs. Stain on fiberglass door
Replies: 11
Views: 737

Re: Paint vs. Stain on fiberglass door

In my mind, the purpose of staining is to highlight the grain structure of wood. If there is no grain structure, why stain? I'm not even sure stain wouldn't come out looking atrocious on a fiberglass door. I'd suggest you paint it. Some fiberglass doors do have a woodgrain texture and look just lik...
by FrugalInvestor
Sun Aug 13, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 7862

Re: Property Tax Madness

The only way to know if your tax is too high is to compare your home with others as similar as possible that have sold recently in your neighborhood (preferrably) or other similar neighborhoods. You can probably do this yourself (I have) and contest your tax assessment if it is too high. Check with ...
by FrugalInvestor
Sun Aug 13, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: I cut the cord a couple years back but think I'm going back to cable
Replies: 47
Views: 7668

Re: I cut the cord a couple years back but think I'm going back to cable

We've used Sling, DirecTV Now, Playstation Vue and YouTube TV to watch in-market baseball live (the main reason we stream live TV). In our case we need the local Fox Sports affilliate. Of the four services YouTube TV is by far the best quality and most reliable without any glitches. We cancelled the...
by FrugalInvestor
Sun Aug 13, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2091

Re: For those switching to Chrome from Firefox

FWIW.... https://www.theverge.com/2017/6/1/15726778/chrome-ad-blocker-early-2018-announced-google From article: Google will introduce an ad blocker to Chrome early next year and is telling publishers to get ready. The warning is meant to let websites assess their ads and strip any particularly disru...
by FrugalInvestor
Sun Aug 13, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 6938

Re: "Honesty like that is rare!"

Taylor: Last week, I as talking to a founder of a very low cost advisory platform that was even lower cost than robo-advisors. He showed me some model portfolios that used several funds to develop each domestic and international equity holdings. He didn’t seem to tilting toward value or growth and ...
by FrugalInvestor
Sun Aug 13, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 4589

Re: What home task(s) are worth learning to do yourself?

We have some very reliable handymen in our neighborhood who are trustworthy and will do most jobs for a reasonable price. If I didn't already know how to do many home repair and maintenance tasks (and enjoy doing many of them) I'd probably just hire one of these handymen to do what needs to be done,...
by FrugalInvestor
Sat Aug 12, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Advice on picking a dentist
Replies: 19
Views: 1600

Re: Advice on picking a dentist

I usually look at online reviews while considering the source, pick one and give them a try. If I don't like them I move on. I see no reason that you couldn't ask for a cleaning and exam without x-rays. I typically refuse x-rays about half of the time because for me an x-ray hasn't revealed anything...
by FrugalInvestor
Sat Aug 12, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 149
Views: 7330

Re: How far would you travel to see The Eclipse?

I wouldn't travel very far if I couldn't find a reasonably priced place to stay closeby. When I looked, I couldn't. I obviously looked too late (a month or two ago).
by FrugalInvestor
Sat Aug 12, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 6938

Re: "Honesty like that is rare!"

Taylor: Last week, I as talking to a founder of a very low cost advisory platform that was even lower cost than robo-advisors. He showed me some model portfolios that used several funds to develop each domestic and international equity holdings. He didn’t seem to tilting toward value or growth and ...
by FrugalInvestor
Tue Aug 08, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 32
Views: 2565

Re: Buy Google Pixel mobile now or wait for Pixel 2

I'm thinking of switching my parents to this -- anyone have any experience with google-fi in Connecticut / New England? Google Fi uses T Mobile and Sprint networks and will automatically switch between those 2 networks (whichever is better) or even WiFi, if available, to get the best quality call. ...
by FrugalInvestor
Mon Aug 07, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: How much longer should I chase a merchant for a double charge?
Replies: 9
Views: 576

Re: How much longer should I chase a merchant for a double charge?

I'd just call the credit card company and have them take care of it. Who knows, maybe you'll get both credits and the merchant can call you for awhile. :twisted:
by FrugalInvestor
Mon Aug 07, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 1740

Re: Santa Fe New Mexico - recommendations

Check out La Choza for authentic and excelllent New Mexican food.
by FrugalInvestor
Sun Aug 06, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Credit Card company email "Do you recognize this purchase?"
Replies: 27
Views: 2132

Re: Credit Card company email "Do you recognize this purchase?"

1210sda wrote:You're right Earl, it wasn't closed then. It is now, courtesy of Capital One customer service. :happy :happy
Had you left it open on purpose or was it just an oversight? I suppose this could be a good reason to close down inactive accounts sooner rather than later.
by FrugalInvestor
Sun Aug 06, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Credit Card company email "Do you recognize this purchase?"
Replies: 27
Views: 2132

Re: Credit Card company email "Do you recognize this purchase?"

Thank you everyone. It is resolved. I went digging through old records and found a statement from Dec 2010 (this was the last time we used the card). The last 4 digits matched the ones on the email. I called the 800# on the statement and they were able to remove the fraudulent charge. Btw, it was a...
by FrugalInvestor
Sun Aug 06, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Companies And Your Credit Report.
Replies: 13
Views: 1092

Re: Credit Card Companies And Your Credit Report.

flamesabers wrote:I did the permanent opt-out request years ago and I haven't been bothered with credit card offers since.
Same here. We haven't received any offers for many years.
by FrugalInvestor
Sun Aug 06, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9746

Re: Do you count vehicle equity in net worth?

If an item is something I need and use for my everyday existence I don't consider it to be part of my net worth. That would include equity in my car, furnishings and other personal belongings. For that matter I don't include my home equity. My reasoning is that the equity in those things even if tur...
by FrugalInvestor
Sun Aug 06, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Companies And Your Credit Report.
Replies: 13
Views: 1092

Re: Credit Card Companies And Your Credit Report.

See here.....

https://www.optoutprescreen.com/?rf=t

It's the official site of the credit rating agencies to opt-out of (or into) to pre-approved credit offers.
by FrugalInvestor
Sat Aug 05, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1265

Re: Garage ceiling bike storage

Those screw in bike hooks would work just fine and easy to install. This is what I use. Just one hook for each wheel, turn the bike upside down and hang it up. Whether this works well for you will depend on ceiling height, your height, and the strength and coordination of those putting the bikes up...
by FrugalInvestor
Fri Aug 04, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8037

Re: LED light bulbs

I tried cree, Wal Mart, eco smart, Lowe's brand, some top rated brand on Amazon, and didn't like any. Cree looked and worked the best, but they kept lasting not near as long as they should. And I'm too lazy to return bulbs under warranty. Most all of them suck at dimming. I am now slowly switching ...
by FrugalInvestor
Fri Aug 04, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8037

Re: LED light bulbs

Frugalinvestor: Something must be wrong there and maybe you should try another bulb or have a professional check your wiring or something. I've been using tons of LEDs from Cree/Phillips/3M and other name brands for 10 years and never found one to be more than barely warm after long use and even in...
by FrugalInvestor
Fri Aug 04, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8037

Re: LED light bulbs

I tried cree, Wal Mart, eco smart, Lowe's brand, some top rated brand on Amazon, and didn't like any. Cree looked and worked the best, but they kept lasting not near as long as they should. And I'm too lazy to return bulbs under warranty. Most all of them suck at dimming. I am now slowly switching ...
by FrugalInvestor
Fri Aug 04, 2017 2:05 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8037

Re: LED light bulbs

I replaced almost every bulb in my house with LEDs because they run cool. CFLs and incandescents run hot. I hate hot things. I have 2 leftover incandescents in enclosed fixtures that are high up and I'm too lazy to change them. This was my understanding also, until I touched an LED bulb immediately...
by FrugalInvestor
Thu Aug 03, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8037

Re: LED light bulbs

I have had good luck buying from https://www.earthled.com/. They let you search for bulbs by MANY criteria. I buy Thinklux brand, filament style. Thanks for that tip! I needed a bulb and was unable to find it at local retailers, Amazon or with a Google shopping search. Earthled.com had exactly what...
by FrugalInvestor
Thu Aug 03, 2017 11:55 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7098

Re: Study: Who Sold Stock During the 2008-9 Crash?

No I bought, BUT.... I sold and re-bought to tax loss harvest but as a practical matter that was not selling. I actually sold bonds and purchased stocks during the downturn to rebalance but I couldn't bring myself to rebalance all the way to my target asset allocaiton. So although I bought, I didn't...
by FrugalInvestor
Thu Aug 03, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8037

Re: LED light bulbs

Not helpful to your question, I know, but it has to be said. The math for wholesale replacement doesn't work out for some people. I'm not getting solar panels anytime soon either, and yet I live in a very sunny climate. Why pay all my electric bills 20 years in advance? No question about it. If you...
by FrugalInvestor
Thu Aug 03, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8037

Re: LED light bulbs

LED's are still not there for dimmable use, but with new LED dimmer and some time, I thing they will be fine. Mine work perfectly with dimmers other than some color change, which is one of the reasons I have a strong preference for 2700k bulbs. They are a nice color on 'high' and still very accepta...
by FrugalInvestor
Thu Aug 03, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8037

Re: LED light bulbs

I forgot to mention that the warmer color (2700k) is especially important when you put the bulbs on dimmers, which most of mine are. An incandescent bulb tends to warm as it is dimmed but an LED bulb does the opposite which results in a dimmed 'cool' LED bulb becoming a very odd color. A 2700k bulb ...
by FrugalInvestor
Wed Aug 02, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8037

Re: LED light bulbs

I also purchased LED replacement bulbs from Costco - Feit brand - for the entire house. I much prefer the 2700k color which I find to be closest to a typical incandescent. I wouldn't go over beyond a 3000k which is more of a 'cool white.' My experience with these bulbs is that like most electronics,...
by FrugalInvestor
Wed Aug 02, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Cheap notebook for surfing/watching videos
Replies: 18
Views: 1481

Re: Cheap notebook for surfing/watching videos

Take a look at the HP Chromebook 14 for around $250-$275. It's not a lightweight but has a larger screen which might be good for your uncle. It also has a pretty nice keyboard. Chromebooks are not completely foolproof but about as close as you can get and very secure. They update completely automati...
by FrugalInvestor
Wed Aug 02, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 1841

Re: Any problem leaving a hole in ceiling of garage?

Garages are dry walled and sealed also as a "firewall" to the rest of the home since fires often start in the garage. This is the reason I would not leave it open. Garages typically have 1-hour fire rated common walls/ceilings (where the garage attatches to a living space) and ceilings (because onc...
by FrugalInvestor
Tue Aug 01, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 67
Views: 12191

Re: Google wifi is awesome

I'm not a techie so it's possible people who like to tinker and mess with network settings would prefer the Orbi. But I can confirm that Google Wifi has worked flawlessly for about 2 months now, costs less than the Orbi, is less obtrusive than the Orbi units, has a very user-friendly app, and reach...
by FrugalInvestor
Tue Aug 01, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 67
Views: 12191

Re: Google wifi is awesome

Just got Google Wifi after my current modem/extender started dropping out on a regular basis. The Google system covers our 2350sf single level house will full speed everywhere. It was fairly easy to set up although it seemed that I had to go through the process a couple of times with each access poi...
by FrugalInvestor
Mon Jul 31, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4217

Re: Wooden flooring in kitchen

If going wood, use a dishwasher pan or independently seal and drain the area below the dishwasher. great idea! The dishwasher pans I've found in the past actually just dump the water out toward the front of the dishwasher so you (may) notice it more quickly. I had a friend who had an enclosed pan c...
by FrugalInvestor
Mon Jul 31, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4217

Re: Wooden flooring in kitchen

bloom2708 wrote:
LifeIsGood wrote:The one risk is the color you select will be out fairly quickly. But that happens with any flooring. I am waiting for "Honey Oak" to return to style. :mrgreen: Unlikely to happen.


It'll happen. Mark my words.
by FrugalInvestor
Mon Jul 31, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 56
Views: 3654

Re: Non Stick frying pan

Buy the Tramontina Proline non stick pan. If you're lucky, you can find it at Costco for $30 (they rotate their stock of Tramontina cookware). It's a high-performing, hefty pan that is cheap. It's also the top rated pan by Sweethome. m Looks like a nice pan. They have them online for $34.99 plus $4...
by FrugalInvestor
Mon Jul 31, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4217

Re: Wooden flooring in kitchen

A dishwasher leak while on vacation is a major concern. Whenever I go on vacation I always turn off the water coming into the house. A leak while you are gone can cause considerable damage before being noticed. Even if I go away for just a day I always turn off the water. Ed My small leak was when ...
by FrugalInvestor
Mon Jul 31, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 56
Views: 3654

Re: Non Stick frying pan

We purchased a nice large and deep (so it works for most everything) Tfal non-stick skillet from Costco recently. I don't remember the price but it was very reasonable, especially for the quality - typical Costco. We've given up having all matching cookware for the reason you mention - the regularly...
by FrugalInvestor
Sun Jul 30, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Advice about Financial Planner
Replies: 8
Views: 889

Re: Advice about Financial Planner

You state: I'm fairly inexperienced, but smart enough to understand this stuff when I do my homework. Well, do some homework and learn how to handle your finances. You learn how to handle lots of other things in your life so why would you hand off your finances - one of the most important things - t...
by FrugalInvestor
Sun Jul 30, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Should i diversify from Vanguard?
Replies: 25
Views: 1937

Re: Should i diversify from Vanguard?

I was once 'diversified' but am no longer except where I have no choice (i.e. HSA). Of all my concerns about life in general and my finances in particular, holding the vast majority of my investments with Vanguard falls near the bottom of my list. It gives me far more comfort than concern.
by FrugalInvestor
Sun Jul 30, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4217

Re: Wooden flooring in kitchen

I had installed engineered wood floor in my living room/kitchen in the condo. There was a leak from the dish washer and it damaged the wood before I realized. I installed the wood floor myself and it was of a click lock type. There is no glue, you can remove and put it back easily. I lived with the...
by FrugalInvestor
Sat Jul 29, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1500

Re: Medicare Plan F and Part D: Use a Broker or Not?

I've never used a broker before but happened to know of one that seemed to be knowledgeable so decided to try him since the cost of the plans were the same with or without. I found him to be helpful as a sounding board in deciding between plan letters (he recommended 'F' but deferred to my choice of...
by FrugalInvestor
Sat Jul 29, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Getting Warm/Hot Water from Cold Line in Condo
Replies: 27
Views: 2459

Re: Getting Warm/Hot Water from Cold Line in Condo

Could it just be that your 'cold' water is heating as it sits in your community's water (pressure) tower? I used to notice this happening when we lived in a cool climate with short but warm summers. Our cold water would go from cold for most of the year to tepid (not hot) in the summer - but our cli...
by FrugalInvestor
Fri Jul 28, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Risks in adding SIL to car insurance policy
Replies: 17
Views: 1207

Re: Risks in adding SIL to car insurance policy

If she's driving your car regularly anyway I doubt there would be a downside other than possible rate increase depending on her driving record and other information (which you mention). I would imagine that your insurance company would consider it an act of good faith to disclose her as a regular d...