Search found 36 matches

by FrugalYankee
Mon Jun 25, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth for married couple
Replies: 2
Views: 373

Backdoor Roth for married couple

This year I am fortunate that my income will exceed the income limit to contribute to a Roth IRA. As I earn more money I still want to take advantage of tax-advantaged accounts for retirement savings. Beyond my employer's 401k, the Roth IRA seems to be the best vehicle for this. It is my understandi...
by FrugalYankee
Fri Apr 27, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11969

Re: Amazon to raise Prime membership in US to $119 from $99

I don’t enjoy shopping in physical stores. I plan to renew my Prime membership even with the increase.
by FrugalYankee
Thu Mar 08, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mac budgeting and finance tool?
Replies: 16
Views: 1919

Re: Best Mac budgeting and finance tool?

I also use Banktivity. They have a free cloud sync, which allows you to also manage your accounts from an iPad or iPhone. The iPhone app is free. I’ve been using it for several years and I’ve been very satisfied.
by FrugalYankee
Sun Jan 28, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Home Equity Loan to pay off Credit Cards
Replies: 9
Views: 848

Re: Home Equity Loan to pay off Credit Cards

On the surface it seems like a good idea. Combine high interest loans into one low interest loan. The problems I see are: 1) If they don’t “feel the pain” of paying off the credit cards the hard way will they run them up again? 2) Transferring unsecured debt to secured debt. Is it wise to put your h...
by FrugalYankee
Thu Jan 25, 2018 8:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 5632

Re: Happy Birthday, Taylor!

Happy Birthday, Taylor. Your wisdom has helped to improve the lives of others! Thank you!
by FrugalYankee
Sun Jan 21, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Does anyone subscribe to Kiplinger's, Kiplinger's Retirement Review, or Smart Money?
Replies: 21
Views: 1790

Re: Does anyone subscribe to Kiplinger's, Kiplinger's Retirement Review, or Smart Money?

I will occasionally check them out from the library, but I don’t find much useful information in them.
by FrugalYankee
Sun Jan 21, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 36386

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

Never trusted anyone to handle my money. I use Bogleheads.org as my FA.
by FrugalYankee
Sun Jan 14, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 13112

Re: Dave Ramsey's Millionaire Study

There seems to be a lot of negativity toward Dave Ramsey on Bogleheads. I would like to offer a different view - I acknowledge that Dave Ramsey gives poor investment advice. However, he has helped literally millions of people with their finances, including my family. If he has to run a business and...
by FrugalYankee
Sun Jan 07, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2248
Views: 1421131

Re: "Three-Fund Portfolio 2017 Update"

Bogleheads: Barry Barnitz is the talented editor of the Boglehead "Financial Page." He has just published the latest update for The Three-Fund Portfolio: Three-Fund Portfolio 2017 Update Thank you, Barry! Best wishes. Taylor Taylor, Thank you for continuing to share this information and encourageme...
by FrugalYankee
Sat Dec 30, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 85
Views: 9494

Re: Putting in a Word About Tea - brands, types, etc.

Yorkshire Gold purchased from Amazon.
by FrugalYankee
Sun Dec 17, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Quicken for Mac
Replies: 7
Views: 827

Re: Quicken for Mac

I used to use Quicken until I switched to Mac in 2012. Since then I have used Banktivity and it works great for me.
by FrugalYankee
Mon Dec 11, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Stupid question about VTSAX
Replies: 6
Views: 1390

Re: Stupid question about VTSAX

You own the mutual fund that mimics the index.
by FrugalYankee
Sun Dec 10, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 10987

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Purchased and downloaded. Thank you for the link. This is a great deal. I’ve used H&R Block software for several years and I’ve been happy with it.

:beer
by FrugalYankee
Tue Jul 04, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: John Deere series 100 lawn tractors
Replies: 28
Views: 3525

Re: John Deere series 100 lawn tractors

I've had a D130 for a couple of years and I'm satisfied with it. I have about 2/3 acre with a slight incline. I use it to mow the lawn and mulch leaves, nothing heavy duty.
by FrugalYankee
Tue Jun 27, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help with determining appropriate salary
Replies: 7
Views: 1522

Re: Help with determining appropriate salary

Thank you all for your suggestions. I found salary.com and Glassdoor.com to be on the low side. I did find the burea of labor statistics to be more reasonable. It could also be that I was not filtering the job correctly on the other websites. In the end I mixed the BLS data with gut feeling and the ...
by FrugalYankee
Tue Jun 20, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Help with determining appropriate salary
Replies: 7
Views: 1522

Help with determining appropriate salary

What resources are available to figure out appropriate salaries? I've recently received a promotion at work and the company owner/CEO has asked me tell him what I feel my salary should be. I would like to check some resources to see what a comparable position in this part of the country would typica...
by FrugalYankee
Sun Jun 11, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Home heating oil capped price plan
Replies: 16
Views: 2200

Re: Home heating oil capped price plan

We have always taken advantage of the cap plan offered by the oil delivery company that we use. Some years it's a really smart move, others we could have saved a bit by paying per delivery. Over the past 13 years I have never regretted purchasing the contract. Some years we did purchase the down sid...
by FrugalYankee
Wed May 10, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 8036

Re: What newspaper or magazine do you pay for?

The New York Times and two local papers. All digital subscriptions read on my iPad. Less expensive and no delivery issues.
by FrugalYankee
Thu Mar 23, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 7149

Re: How did you do your income taxes?

I used the H&R Block software. I've always filed using software.
by FrugalYankee
Mon Feb 27, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: American funds article - active vs indexing argument
Replies: 4
Views: 1160

American funds article - active vs indexing argument

I ran across this article by American funds. I have invested with American funds via my 401k in the past and their funds seemed to perform generally well. I have since switched to all index funds. Curious about the Boglehead view of this article. https://www.americanfunds.com/individual/insights/act...
by FrugalYankee
Sun Jan 01, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Fund bond allocation has me concerned
Replies: 13
Views: 1774

Re: Vanguard Target Fund bond allocation has me concerned

Sorry if I missed something, but I saw 60/40 as your overall AA, and 87/13 as your wife's Target fund allocation, and you are comparing the two numbers. How big a % of your overall assets is your wife's fund? What would be your overall AA including your wife's fund? [I still think this point is so ...
by FrugalYankee
Sun Jan 01, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Fund bond allocation has me concerned
Replies: 13
Views: 1774

Re: Vanguard Target Fund bond allocation has me concerned

Thank you everyone for your thoughts. I am so happy to have found this group. I've been investing for about 24 years and have not felt the need to sell stocks when the markets were down. My wife is a different story. She's not interested in investing and saving. I've made progress with her over the ...
by FrugalYankee
Sun Jan 01, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Fund bond allocation has me concerned
Replies: 13
Views: 1774

Vanguard Target Fund bond allocation has me concerned

My wife's 403b is in the process of transferring to Voya. I am happy to see that the new plan uses Vanguard funds. When moving funds over to the new plan, Voya will automatically enroll participants funds into an appropriate Target fund unless different funds are selected. I am 45 and my wife is 42....
by FrugalYankee
Thu Oct 27, 2016 7:19 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 6893

Re: How do you make your Martini?

Pour Gin into shaker of ice to chill. Pour into glass with olives while facing the package store that sells vermouth.
by FrugalYankee
Wed Oct 05, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 8824

Re: Where/how do Bogleheads get their tires inflated?

I use the air compressor in my garage. It comes in handy for other uses, too!
by FrugalYankee
Wed Sep 28, 2016 5:37 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 46142

Re: The Bogleheads' "100 Things Worth Every Penny" List

Even though I don't get a cup every day I am amazed every time I drink Dunkin Donuts coffee at how much better it is than anything I can brew. I know coffee snobs don't like DD, but it makes me happy and is totally worth it to me. As a fellow New England resident, I agree! We also purchase the k-cu...
by FrugalYankee
Sun Sep 25, 2016 4:53 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 46142

Re: The Bogleheads' "100 Things Worth Every Penny" List

Family vacations
Activities for the kids (piano lessons, theatre lessons, sports)
High speed internet
Reliable vehicles
Home improvements / maintenance
Newspaper subscriptions
Apple products
Dinner out with the family
by FrugalYankee
Sun Jul 03, 2016 3:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: The Declaration of Independence
Replies: 44
Views: 5090

Re: The Declaration of Independence

Happy 4th of July, Taylor.

Your wisdom is greatly appreciated.
by FrugalYankee
Tue Jun 28, 2016 7:28 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3289
Views: 994351

Re: What Book Are You Currently Reading? Part VI

I find myself interested in biographies, would like to know what ones others have enjoyed. My recent favorites The one on Elon Musk. The Walter ISsacson one on Steve Jobs. The authorized one on Warren Buffet. I have the Issacson one on Einstein to read, also another on Henry Ford. I would like to k...
by FrugalYankee
Tue May 10, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 14251

Re: 30 minute commute?

I've been doing a 23 mile 30 minute commute for 23 years. It doesn't bother me. It's a mental vacation.
by FrugalYankee
Fri May 06, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 21970

Re: how much cash do you carry in your wallet?

Usually less than $20. I use the credit card whenever possible.
by FrugalYankee
Sun Apr 24, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 8705

Re: Thinking about Mac (vs Windows)

I switched to Mac in 2012 and I'm happy I did! I have been VERY impressed with the customer support that Apple provides for its customers. I am lucky to have an Apple store close by and any problems I've had they have provided awesome support. I've also used their telephone tech support and you get ...
by FrugalYankee
Tue Apr 19, 2016 3:57 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 44
Views: 5612

Re: Roku 3 v. Apple TV v. ???

I think the main benefit of Apple TV is the ease of streaming content to your TV from Apple devices via AirPlay. Otherwise Roku has more content to offer. I own the Apple TV and older Roku devices. Depending on how tech savvy your wife is, the older Roku might be all that she needs.
by FrugalYankee
Wed Apr 13, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Chris Hogan R:IQ
Replies: 7
Views: 2690

Re: Chris Hogan R:IQ

I was listening to the Dave Ramsey show podcast for yesterday's show. Chris Hogan was on with Dave. They were telling people to check out their R:IQ using the tool on Chris's website. Then they took a call from a 43 year old guy who makes 130k per year and had something like 230k in retirement savin...
by FrugalYankee
Tue Apr 05, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: Anyone own DVC?
Replies: 10
Views: 1548

Re: Anyone own DVC?

I researched DVC for about a year before deciding to purchase. I suggest you search online and learn as much about DVC as you can before you purchase. We ultimately decided to purchase a contract on the resale market. It is a lot less expensive than purchasing directly from Disney. These are deeded ...
by FrugalYankee
Sat Apr 02, 2016 9:16 am
Forum: Investing - Theory, News & General
Topic: Who needs Money Market accounts any more?
Replies: 55
Views: 8052

Re: Who needs Money Market accounts any more?

It was worth it when the accounts were paying 5% dividend. When ever rates go back up it will be worth it again. I agree that in this rate environment it is not worth the hassle. As for the amount time it takes for transactions, often it depends on how the money is transferred. If you "pull" the mon...