Search found 4186 matches

by FrugalInvestor
Fri Jun 23, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 59
Views: 3574

Re: Please explain how Medicare Billing works?

Very relevant information on another discussion board (early retirement) here..... http://www.early-retirement.org/forums/f38/is-medicare-free-87285.html Post from that thread... I just started on regular Medicare last August and am learning some facts about the cost myself, so this is a timely thre...
by FrugalInvestor
Fri Jun 23, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 36
Views: 1951

Re: House softener system

Almost there wrote:Also you recommend #1 for the salt. What is the difference between # 1 and 3?


See here....
http://www.mortonsalt.com/article/which ... t-for-you/
by FrugalInvestor
Fri Jun 23, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 59
Views: 3574

Re: Please explain how Medicare Billing works?

Thank you for encouraging me to get to know Medicare billing. I am on AARP Medigap F - cost about $200 a month. The letter of denial stated that the maximum I could be billed was $295. I've written a lengthy letter and filled in the other paperwork. My doctor is going on past history - e.g. one is ...
by FrugalInvestor
Fri Jun 23, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 59
Views: 3574

Re: Please explain how Medicare Billing works?

Lynette, I understand your frustration in general and with the Medicare billing in particular. I recently went on Medicare and was confused by what I was reading on the Medicare site regarding my 'welcome to Medicare' visit, annual visits (or whatever they're called), preventative care, etc. I calle...
by FrugalInvestor
Thu Jun 22, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1246

Re: LG washer and dryer "NFC tag on" feature

Here's their demo video on how it is supposed to work..... https://www.youtube.com/watch?v=7unSkb2-HcI If it were me I think I'd estimate the number of loads I do per week, divide that into the recommended number of cycles before doing the tub clean (i.e. 30 cycles/6 loads/week = 5 weeks). Then I wo...
by FrugalInvestor
Thu Jun 22, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 36
Views: 1951

Re: House softener system

Which salt do you purchase for the water softener? I see 4 different ones listed in Home Depot's site: 1. Morton Salt 40 lb. Clean and Protect Water Softener Salt Pellets 2. Diamond Crystal Bright and Soft Water Softener Salt Pellets 3. Morton Salt 40 lb. Pure and Natural Water Softener Salt 4. Dia...
by FrugalInvestor
Thu Jun 22, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4003

Re: What do you say when you cancel an account that you only opened for bonus?

user5027 wrote:I need a new toaster. I may be showing my age.


Yup, you're toast! :D
by FrugalInvestor
Wed Jun 21, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Cancelled Cable TV Service Today... [Downsized cable service
Replies: 26
Views: 2710

Re: Cancelled Cable TV Service Today... [Downsized cable service

Thanks everyone for taking the time to post your stories of cutting the cord. So an update since my original post. I am a systems analyst and have been with my company for the past 15 years with a two year break in between. Yesterday I took a hail marry shot and asked my director if the company wou...
by FrugalInvestor
Mon Jun 19, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Cancelled Cable TV Service Today... [Downsized cable service
Replies: 26
Views: 2710

Re: Cancelled Cable TV Service Today... [Downsized cable service

About six months ago I bought an OTA antenna and did a Sling free trial. Both of those worked just fine, so I called the local cable company and said I wanted to drop my TV service but keep my internet service. As I expected, I wound up in a negotiation with the rep. He moved me to a lower tier of ...
by FrugalInvestor
Mon Jun 19, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 36
Views: 1951

Re: House softener system

OK, decided to go with the Fleck 5600SXT. But there are a number of different models on Amazon. Please direct me which one you would recommend? https://www.amazon.com/s/ref=nb_sb_ss_i_4_13?url=search-alias%3Daps&field-keywords=fleck+5600sxt+water+softener&sprefix=fleck+5600SXT%2Caps%2C244&a...
by FrugalInvestor
Mon Jun 19, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 16
Views: 1612

Re: Credit for Retirees

In the past, I always declined to answer when the credit card card issuer asked what my current income was. They always stated some BS that the government requires them to know their customer. Which is true, but there is no requirement in those rules to determine income. Starting this month Capital...
by FrugalInvestor
Mon Jun 19, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 16
Views: 1612

Re: Credit for Retirees

We've noticed no signigicant change in our (excellent) credit scores. We are early retired and have no pension so our income can be very 'lumpy' as we manage it for tax and health insurance purposes. I just report a reasonable long-term average withdrawal rate of about 3% per year. It's never been q...
by FrugalInvestor
Mon Jun 19, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Cancelled Cable TV Service Today... [Downsized cable service
Replies: 26
Views: 2710

Re: Cancelled Cable TV Service Today... [Downsized cable service

Attic antenna + TiVo Roamio OTA DVR + AppleTV 4 streaming Playstation Vue here. With 15/3 FiOs internet this gives us absolutely everything we want for $85/month and the freedom to change or cancel anytime. We always have free TV service (all major networks) and DVR capability as a fallback at $0/mo...
by FrugalInvestor
Sun Jun 18, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2426

Re: Need WIFI repeater or second router Advice

As some others have suggested, look at mesh wifi systems. Google has one and there are others. I have a repeater and it works okay but can be an inconvenience as you move your device (i.e. laptop, tablet, phone) around the house. Then you often have to re-connect to the closer wifi for a better conn...
by FrugalInvestor
Tue Jun 13, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 36
Views: 1951

Re: House softener system

Water will not get slimy from being over softened. Properly softened water will feel slippery because the magnesium and some other stuff cannot form soap "scum" in soft water. This scum is what takes away the feeling of slippery. "Scum" also forms that ring around the tub. You c...
by FrugalInvestor
Tue Jun 13, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Returning to Vanguard (from Ameriprise)
Replies: 8
Views: 885

Re: Returning to Vanguard (from Ameriprise)

Your lengthly list of funds is obviously proof that managing your investments is a very intricate task that requires a great deal of skill and knowledge that only a skilled professional could properly handle. You should be eternally grateful to have found the right person who is obviously worth ever...
by FrugalInvestor
Tue Jun 13, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 36
Views: 1951

Re: House softener system

I think you have a misconception about a salt-based softener system. They do not add salt to your water. Traditional softeners replace calcium and magnesium ions in the water with sodium ions. So they do not technically add salt but they do add sodium (the harder the water the more sodium is added)...
by FrugalInvestor
Tue Jun 13, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 36
Views: 1951

Re: House softener system

You should make sure that any outdoor water uses like hoses, sprinkler systems, etc. are not using softened water. Sometimes that requires some extra plumbing work. This is very important and is something I neglected to mention previously. You should definitely check on it. Using salt softened wate...
by FrugalInvestor
Mon Jun 12, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 2542

Re: Vue/Sling tv users--what do you miss?

Each has its benefits. I liked the Sling interface way better then the Vue interface. Its quicker, easier to see whats on (unless it has changed since I last had Sling). Vue interface is pokey. I tried Sling, DirecTV Now and PS Vue which I am now with. With Sling and DirecTV Now I got fee boxes, a ...
by FrugalInvestor
Mon Jun 12, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 36
Views: 1951

Re: House softener system

Thank you once again, FrugalInvestor. Are you sure you are using 7,000 G per month? That means you go through 233 G per day? I read the article about substituting potassium chloride for sodium chloride. So if we choose to go that route, we would still need the RO filtration system? What about the d...
by FrugalInvestor
Mon Jun 12, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 36
Views: 1951

Re: House softener system

.......I always thought I would go with a softener which does not use salt. The main reason is that I don't want to take showers which include salt. I didn't realize that the no-salt softeners are not as efficient and cost a lot more. ....I have read elsewhere, that when the softener cycles, it'll ...
by FrugalInvestor
Mon Jun 12, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 2542

Re: Vue/Sling tv users--what do you miss?

You can get CBS (and any other local broadcast stations) for free just by hooking up an appropriate antenna to your TV. Highly dependent on location. In my neck of the woods, the only "local" station we can pull in is FOX and it is 80 miles away and with a large external antenna! Yes I am...
by FrugalInvestor
Mon Jun 12, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 2542

Re: Vue/Sling tv users--what do you miss?

I've used Sling, DTVNow and PSVue. I'm currently with PSVue because the channel selection is best for us and, the quality of the stream is the best and the price is fair for what I receive. I miss nothing, but part of that is choosing the service that has what you want. I also have an antenna in my ...
by FrugalInvestor
Sun Jun 11, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Flexibility in trust distributions
Replies: 9
Views: 687

Re: Flexibility in trust distributions

Special needs or pooled trusts are designed for the purpose you describe. I had a relative who was in a similar position and was able to direct the funds to one of these trusts to preserve benefits. The administration costs were reasonable especially if withdrawals were made in more substantial chun...
by FrugalInvestor
Sun Jun 11, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 36
Views: 1951

Re: House softener system

Typically in the Phoenix area you'll use a traditional softener (salt based - or potassium if you don't like salt) for all your water in the house with the exception of the cold water at the kitchen sink. In addition you'll use an under-sink reverse osmosis (R.O.) system for drinking water (separate...
by FrugalInvestor
Sat Jun 10, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Is Inflation Dying of Old Age?
Replies: 82
Views: 6707

Re: Is Inflation Dying of Old Age?

Eh, I've heard it all before. "This time it's different!" Usually it isn't. Time will tell but I won't assume that inflation is gone.
by FrugalInvestor
Fri Jun 09, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 56
Views: 4744

Re: Does anyone read the Wall Street Journal?

Is Google News a credible news source? To the best of my knowledge Google News is just an amalgamation of various news sources. You can customize it by specifying that you want to see more or less of any particular type (subject) or source of news. I use it and as far as I'm concerned it's certainl...
by FrugalInvestor
Thu Jun 08, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 56
Views: 4744

Re: Does anyone read the Wall Street Journal?

jackhensy wrote:No sir, it still says "page not found."


I think it's a fluke. Pages 9 and 11 are available but not 10.
by FrugalInvestor
Thu Jun 08, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 6413

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

sandramjet wrote:If you own the whole market, you can brag that you do in fact own ALL of those!


Exactly! Whenever a similar converstion comes up I can say "I own that" because in all likelihood I do. Makes me look smart, which I am. :D
by FrugalInvestor
Wed Jun 07, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 2159

Re: Black and white laser printers

rebellovw wrote:Brother HL-L2380DW


Mine is also the HL-L2380DW that works with our Samsung, Toshiba and HP Chromebooks.
by FrugalInvestor
Wed Jun 07, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Tired of dealing with incompetent repairmen
Replies: 6
Views: 1076

Re: Tired of dealing with incompetent repairmen

No, you are not the only one. This is one reason I do much of my own work - more than I'd like. Figuring out how to do things the first time is the hard part. Once the process (and tools) are learned it's then much easier. Youtube can be a great teacher, but I tend to be pretty handy thanks in large...
by FrugalInvestor
Wed Jun 07, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 2159

Re: Black and white laser printers

I am looking for an all in one laser printer. After reading all of the recommendations for Brother printers I started looking at them. However, I keep seeing reviews that say they are difficult to get to work for apple products and they drop the wifi connection and need to be reset. Does anyone hav...
by FrugalInvestor
Tue Jun 06, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Trailer Towing Tidbits?
Replies: 49
Views: 2267

Re: Trailer Towing Tidbits?

Everything gradual - especially braking, turning and lane changing. Plan ahead - even further ahead than when driving without the trailer because everything takes longer to happen with the extra weight. Make sure the trailer is securely attached and that you have properly rated safety chains properl...
by FrugalInvestor
Mon Jun 05, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 2159

Re: Black and white laser printers

Don't have any of those particular models but I have a Brother model HL-2280DW that will do all you list and I am very happy with it. I get my extended-life cartridges on-line from Costco or WalMart. Similar experience here with my HL-2380DW that I've had for about a year. I finally let those here ...
by FrugalInvestor
Sun Jun 04, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 59
Views: 3574

Re: Please explain how Medicare Billing works?

toofache32 wrote:What CPT code was billed on your EOB?
And did your visit address any existing health conditions?


I'm curious about this as well. Hope you'll answer toofache32 so I can see the response.
by FrugalInvestor
Sat Jun 03, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: car oil changes a scam maybe ?
Replies: 18
Views: 1371

Re: car oil changes a scam maybe ?

I use synthetic oil (Mobil 1) which lasts many more miles than regular oil and then change it when the display tells me to. Regular oil is recommended for the car so this is definitely overkill but since I do the changes myself the cost is not high and I know I'm treating the car well. I endup up ch...
by FrugalInvestor
Thu Jun 01, 2017 10:32 pm
Forum: Investing - Theory, News & General
Topic: How do you fight the urge to micromanage?
Replies: 57
Views: 4153

Re: How do you fight the urge to micromanage?

Remember that short-range movements are meaningless and your reactions to them will likely be too late. As a result any 'micromanaging' you do will almost surely be counterproductive. There are graphs that clearly show the insignificance of short-term market moves within the larger context of long-t...
by FrugalInvestor
Thu Jun 01, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2287

Re: Changing Car Cabin Air Filter - after how much time

Change it when it's dirty. If it's not dirty, leave it alone. Also, sign and date it. If the dealer takes it out to show you it's dirty, make sure they didn't switch it on you. Changing your own filters is the easiest way to save a hundred dollars or more. Then take the savings and invest it. I agr...
by FrugalInvestor
Thu Jun 01, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring a Thrivent Roth IRA to Vanguard
Replies: 13
Views: 804

Re: Transferring a Thrivent Roth IRA to Vanguard

It sounds like you've done an excellent job of covering your bases. Hopefully from this point forward things will proceed more smoothly. It's amazing that a relatively simple transaction could end up being so convoluted. Good luck!
by FrugalInvestor
Wed May 31, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring a Thrivent Roth IRA to Vanguard
Replies: 13
Views: 804

Re: Transferring a Thrivent Roth IRA to Vanguard

Will Thrivent allow you to withdraw the funds? You then would have 60 days to deposit the funds into your Vanguard IRA which would qualify as a non-taxable rollover (but I wouldn't wait, do it immediately).
by FrugalInvestor
Tue May 30, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley in taxable (early retirement)?
Replies: 17
Views: 2152

Re: Wellesley in taxable (early retirement)?

In my particular situation in early retirement there have been significant advantages - tax and otherwise - to having tax efficient stock funds in taxable (Total Stock Market and Total Int'l Stock Market) and bond funds in tax advantaged accounts (Total Bond Market). This placement has kept taxable...
by FrugalInvestor
Mon May 29, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley in taxable (early retirement)?
Replies: 17
Views: 2152

Re: Wellesley in taxable (early retirement)?

In my particular situation in early retirement there have been significant advantages - tax and otherwise - to having tax efficient stock funds in taxable (Total Stock Market and Total Int'l Stock Market) and bond funds in tax advantaged accounts (Total Bond Market). This placement has kept taxable ...
by FrugalInvestor
Mon May 29, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5339

Re: Credit unions are non-profit, how come they do not dominate over banks???

I have both a credit union account, and a B of A bank account (Big) banks have the following advantages: 1) More ATMs everywhere (nation wide) 2) More branches and physical locations 3) Large rewards programs that extend to the bank's brokerage service 4) Can have a better selection of credit cards...
by FrugalInvestor
Sun May 28, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 3009

Re: Medigap Insurance Plans

After some back-and-forth I chose G. First I decided to pay extra for the simplicty of F over other plans like high deductible F that I was leaning toward earlier. I decided that I like the idea of a reduction of paperwork in our later years - and am willing to pay for it. But F is going away soon s...
by FrugalInvestor
Sun May 28, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Should I go into a target date fund, or separate index funds?
Replies: 45
Views: 3878

Re: Target Fund Advantages

Problem is the glide path a Target Date fund provides and the glide path you might want aren't necessarily the same. The Target Retirement Fund is simpler, but you are stuck with their asset allocation. Vanguard Target funds, belong in tax-advantaged accounts and offer 12 different stock/bond alloc...
by FrugalInvestor
Fri May 26, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2782

Re: New car doc fees

The last time I purchased a car I held a little something in reserve. I knew I wanted a couple of accessories but also knew that I could purchase them online for less than I could get them with the car. So when the doc fee came up I refused to pay it - multiple times. When the finance guy called in ...
by FrugalInvestor
Wed May 24, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 13558

Re: i am my own "guy," but not sure I should advertise that

I mentioin being my own 'guy' and Bogleheads now and then. There is usually no interest. Many people just seem to assume that the 'expertise' is necessary. Others I know like having a 'guy' because it makes them feel important. I think most have no idea how much they are actually paying for the 'exp...
by FrugalInvestor
Wed May 24, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: I admit, I give up [need strategy for getting back in]
Replies: 33
Views: 5150

Re: I admit, I give up [need strategy for getting back in]

As far as when the next correction occurs, I just have to rationalize with every correction came a new high . The reason I hope this time works is I have actually been through the painful process of not being *in* during those new highs. I now have first hand emotions of what losing out looks like....
by FrugalInvestor
Wed May 24, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: I admit, I give up [need strategy for getting back in]
Replies: 33
Views: 5150

Re: I admit, I give up [need strategy for getting back in]

I took someone else's advise on here to at least talk to a Vanguard PA and it was interesting they suggested not to do DCA as markets tend to go up over time and performing DCA tend to get lower returns because of that. However, knowing my luck the day I put 100% into any fund the market corrects s...

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