Search found 4992 matches

by FrugalInvestor
Sun Apr 21, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Credit and Debit card safety
Replies: 26
Views: 1249

Re: Credit and Debit card safety

I put 98% of my purchases on my cash back credit card. I carry my BofA debit card but only to get cash if necessary. I logged onto my BofA account online and set the purchase limit on the debit card to $1 (for some reason it wouldn't accept $0 or less than $1). The purchase limit is set separately f...
by FrugalInvestor
Sat Apr 20, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 38
Views: 2524

Re: French Door Refrigerator Recommendations?

FYI, the GE Profile counter-depth French Door model that we ended up purchasing after the bad experience with the Samsung (see above) is a PYE22KSKFSS. It has an in-door ice maker and option to install a second icemaker in the freezer (I purchased it and installed myself - very easy). Overall I'd gi...
by FrugalInvestor
Sat Apr 20, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: DIY home security system
Replies: 23
Views: 1565

Re: DIY home security system

I use Wyze Cams which are about $25 each with no fee for immediate (app) notification and 2-week cloud storage of 'event' recordings. The cameras can also accept local SD cards for local storage of event or continuous recordings. Next month Wyze is also introducing a Wyze Sense kit including two doo...
by FrugalInvestor
Mon Apr 15, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5895

Re: What defines "income" on a retiree's credit card application?

We also are living strictly off of our investments until (delayed) Social Security kicks in. We withdraw approximately 3% each year as spending money and that's what I report on a credit card application. I've never been questioned but if I were I would explain as I have here.
by FrugalInvestor
Sun Apr 14, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 38
Views: 2524

Re: French Door Refrigerator Recommendations?

We bought a french-door Samsung about 3-1/2 years ago. We need the french door because of our kitchen configuration. We had problems with the fan freezing up about 1-1/2 years after purchase. Fortunately we had purchased an extended warranty through Lowe's so we called them for service. When the rep...
by FrugalInvestor
Sat Apr 13, 2019 10:47 pm
Forum: Investing - Theory, News & General
Topic: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bogle
Replies: 90
Views: 11513

Re: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bo

alex123711 wrote:
Sat Apr 13, 2019 9:20 pm
What to do in this situation? He also mentions he thinks international returns will be even lower..
Jack would have told you "just don't do something, stand there" and that "nobody knows nothing," including him.
by FrugalInvestor
Fri Apr 12, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 63
Views: 4590

Re: YouTube TV is increasing their price - will you cancel it?

F150HD wrote:
Fri Apr 12, 2019 5:58 am
I wondered when an increase like this would occur....too bad it wasn't more gradual.
Especially for those of us early adopters who were grandfathered.
by FrugalInvestor
Fri Apr 12, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 4250

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

That equation doesn’t tell you anything as peak HP and peak torque aren’t at the same spot and both engines could have different curves. I think randomguy has it right. Peak torque and peak HP typically occur at different RPMs. This motor is intentionally designed to provide lots of torque at very ...
by FrugalInvestor
Thu Apr 11, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: supplemental dental& vision insurance plans
Replies: 12
Views: 862

Re: supplemental dental& vision insurance plans

I agree with others who have say that dental insurance plans are basically just prepaid service. For that reason when we retired we spoke with our existing dentist who we liked very much about giving us a discount for self-pay. We received 10% plus another 5% for cash or check. When we moved to a 55...
by FrugalInvestor
Thu Apr 11, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 63
Views: 4590

Re: YouTube TV is increasing their price - will you cancel it?

My brother recently bought a new TV and he got a free month of service from Sling. He couldn't use the freebie so he gave it to me. I'm up & running on Sling now... I'm watching a hockey playoff game and toggling back & forth between Sling and YTTV. The picture quality (to my eye, anyway) seems to ...
by FrugalInvestor
Thu Apr 11, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 4250

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

It's probably close enough to not matter much, but I don't see how it would be physically possible for that to be true. Torque directly relates to cylinder pressure, which is the same factor that affects knocking. If the engine is limiting the air+fuel charge in response to detecting lower octane f...
by FrugalInvestor
Thu Apr 11, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 63
Views: 4590

Re: YouTube TV is increasing their price - will you cancel it?

We have an antenna and OTA DVR. We use YTTV almost exclusively for sports. Now that the $35 grandfathered price is going away we'll likely cancel service when we're not using it and pick it back up when we want it. It will also open the door to trying other services which we haven't done for almost ...
by FrugalInvestor
Thu Apr 11, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 4250

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

Curious if you are running your CX9 with premium fuel to achieve the extra 25 hp it provides? No, I've never put premium in it and never felt the need to. The torque is the same with regular or premium, only the horsepower changes. If I were driving 2-lane highways and wanting to pass regularly I s...
by FrugalInvestor
Thu Apr 11, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 4250

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

I purchased a CX-9 with the 2.5 turbo six months ago. The engine is spectacular! The CX-9 is a fairly large and heavy vehicle (4,000+ lbs.) but does not feel underpowered in the least due to the amount of low-end torque available (300+ ft. lbs.). If I didn't know better I'd swear that it has a six o...
by FrugalInvestor
Sat Apr 06, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 2517

Re: Drill & driver combo kit comparison

Thanks for your thoughts. In full disclosure I have a couple Ryobi tools but I've been weighing whether to start fresh as I really don't like the drill I have. I agree its a system decision, I picked the drill & driver combo kits because a lot of the system kits build on these same basic two tools....
by FrugalInvestor
Sat Apr 06, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 2517

Re: Drill & driver combo kit comparison

Me, I would go to Harbor Freight and buy what I need. If it breaks, I buy a new one. Usually they don't break for use around the house. If I was a contractor or had an extensive repair that used such a tool I would still use a Harbor freight tool until it gave out. Then I might go your route. I hav...
by FrugalInvestor
Fri Apr 05, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Mobile phone security software
Replies: 8
Views: 614

Re: Mobile phone security software

We use Androids through Google Fi, use the free Fi VPN, only load reputable apps through the app store and do not do any banking on our phones (only on secure wifi connections....typically at home).
by FrugalInvestor
Fri Apr 05, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: End of debit cards for me
Replies: 135
Views: 17277

Re: End of debit cards for me

Just remember that most cards that are billed as ATM only actually are connected to the debit networks, e.g. STAR, NYCE, Pulse, which also process ATM transactions. So you (your card) can still make debit transactions at merchants supporting debit. I don't believe this is true in my case, because I...
by FrugalInvestor
Tue Apr 02, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Just Bought an Annuity
Replies: 116
Views: 8445

Re: Just Bought an Annuity

Out of curiosity....it seems that you intentionally did NOT choose to go with a variable annuity. May I ask why not? (Note--I am an advisor, and I do periodically sell VA's when I deem them appropriate, and you seem like a good candidate. I am NOT soliciting or advertising or promoting my services....
by FrugalInvestor
Mon Apr 01, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate question: lower the asking price or spend to repair
Replies: 26
Views: 1283

Re: Real Estate question: lower the asking price or spend to repair

Thanks for your time. House has been on market since 12/1/18. Realtor's suggestion was after inputs from broker's open house. Thanks. I’d make the fixes in that case. With 4 months in the market, the issues are clearly a hurdle that is turning off buyers. 16 months unless the OP made a typo. May ne...
by FrugalInvestor
Mon Apr 01, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: ACA and Moving - Questions
Replies: 13
Views: 408

Re: ACA and Moving - Questions

Deleted
by FrugalInvestor
Sun Mar 31, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off/Health care?
Replies: 21
Views: 2555

Re: Laid off/Health care?

Here is a cobra 'trick' to be aware of in case you would find another job within 60 days (my bolding)..... You have 60 days to decide whether to sign up for a COBRA plan. COBRA lets your dependents approve coverage even if you decline COBRA. If you reject COBRA, you can still get it later as long as...
by FrugalInvestor
Sat Mar 30, 2019 9:38 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 259
Views: 21549

Re: "The best and worst U.S. states for retirement"

South Dakota? I don't think I've ever heard, or read, of anyone retiring to South Dakota. Maybe it's the hidden gem I've been searching for. South Dakota has a lot of people who live in their motorhomes, claim residency in South Dakota and may drive through once per year. South Dakota's residency l...
by FrugalInvestor
Sat Mar 30, 2019 1:03 am
Forum: Personal Investments
Topic: Experience with Edward Jones?
Replies: 76
Views: 6928

Re: Experience with Edward Jones?

I suppose that Bogleheads may boggle some heads but it's "Bogleheads," not boggle heads.
by FrugalInvestor
Fri Mar 29, 2019 7:27 pm
Forum: Investing - Theory, News & General
Topic: Reasonable timeframe to 'average in' to index funds?
Replies: 45
Views: 3450

Re: Reasonable timeframe to 'average in' to index funds?

Since the market generally rises over time it's usually better to invest the lump sum all at once - the sooner the better. If that's going to bother you psychologically then dollar cost average over a year or less. The important thing is to get the money invested. Make your decision and then do it.
by FrugalInvestor
Thu Mar 28, 2019 10:49 pm
Forum: Personal Investments
Topic: Experience with Edward Jones?
Replies: 76
Views: 6928

Re: Experience with Edward Jones?

I feel sorry for the elderly who maybe aren't as mentally sharp or adamant about how they wish to go about their finances and get duped by these people... what makes me nervous is when im 75 and i need an advisor i don't get a shyster that gives me bad advice for the sake of him making a buck.. I a...
by FrugalInvestor
Thu Mar 28, 2019 4:47 pm
Forum: Personal Investments
Topic: Experience with Edward Jones?
Replies: 76
Views: 6928

Re: Experience with Edward Jones?

He's done you a favor. Move on.
by FrugalInvestor
Wed Mar 27, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: My wife's 2016 Mazda CX-5 lease is up. Now what?
Replies: 37
Views: 2648

Re: My wife's 2016 Mazda CX-5 lease is up. Now what?

Have her go drive a Lincoln MKC. It is a very nice small SUV at a great price. It has good quality and lots of features and is much nicer than the standard Korean and Japanese SUV. It fits in your budget after discounts. https://www.edmunds.com/lincoln/mkc/ Good Luck. You are pretty much getting a ...
by FrugalInvestor
Wed Mar 27, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 142
Views: 22628

Re: Anyone else gotten totally bored with investing?

Boredom is the nirvana of Boglehead investing.
by FrugalInvestor
Tue Mar 26, 2019 11:16 am
Forum: Investing - Theory, News & General
Topic: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest
Replies: 22
Views: 1827

Re: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest

Thank you for offering this opportunity. My question for Mr. Roth is:

How can a do-it-yourself Boglehead go about finding a trustworthy and compatible financial adviser to guide them and/or their spouse in later years?
by FrugalInvestor
Mon Mar 25, 2019 10:29 pm
Forum: Personal Investments
Topic: Experience with Edward Jones?
Replies: 76
Views: 6928

Re: Experience with Edward Jones?

You seem to be conflicted in very much the same way as many other EJ clients. I'm sure this is the result of training that EJ reps are given on how to retain clients. It is apparently very effective. I hope you can see through it.
by FrugalInvestor
Mon Mar 25, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Nice men's jeans
Replies: 53
Views: 3165

Re: Nice men's jeans

I most recently purchased a couple pair of Lee Jeans. They have so many styles and colors it made my head spin but I finally discovered one that I liked and that fits me well. I've gone to a Levi's store and tried on every style they have and none fit me well. I guess it's a good thing that if one l...
by FrugalInvestor
Wed Mar 20, 2019 11:25 pm
Forum: Personal Consumer Issues
Topic: When is it time for a new smartphone?
Replies: 66
Views: 3897

Re: When is it time for a new smartphone?

Buy a mid-range phone. They have all the important features without the glitz and break-the-bank prices. It also makes it easier to let go of your phone when it's time. My wife and I got a deal on our Google Fi Moto X4s - two phones for $249 net of service credit - and we're still very happy with th...
by FrugalInvestor
Wed Mar 20, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)
Replies: 56
Views: 2113

Re: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)

I have used the company Voipo (voipo.com) for service for 8+ years. Their service has been reliable and customer service has been knowledgeable and helpful on the rare occasion that I have experienced a problem. Voipo provides the necessary hardware (a separate router that you plug into your home ro...
by FrugalInvestor
Tue Mar 19, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medigap plan F become a 'death spiral'?
Replies: 58
Views: 4881

Re: Will Medigap plan F become a 'death spiral'?

I am extremely disappointed on how my original post about plan F 'death spiral' has morphed into a completely different discussion. I you want to talk about other issues, you should start a new thread instead of hijacking the original post. Back to your original question...... Nobody knows whether ...
by FrugalInvestor
Wed Mar 13, 2019 10:33 am
Forum: Personal Investments
Topic: I want to leave Vanguard
Replies: 71
Views: 5885

Re: I want to leave Vanguard

I'm pleased that Vanguard abides by SEC rules.
by FrugalInvestor
Wed Mar 13, 2019 1:42 am
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 5381

Re: Peanut Butter recommendations

My favorite is Adams 100% Natural, either smooth or crunchy depending upon my mood. It's typically around $3 for 16 ounces and contains only peanuts and salt, no sugar or trans fats. Unsalted is also available.
by FrugalInvestor
Wed Mar 13, 2019 1:32 am
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 6232

Re: How many companies have you worked for?

3 significant companies with respect to experience while in college and 4 companies during my 24 year career after graduation and until retirement.
by FrugalInvestor
Tue Mar 12, 2019 11:33 pm
Forum: Personal Investments
Topic: Risk averse portfolio for an early retiree?
Replies: 45
Views: 4306

Re: Risk averse portfolio for an early retiree?

Providing your estimated expenses are correct then you should be in good shape. Some things to think about in terms of spending requirements are large non-recurring expenses like new cars and large home repairs/remodels. In addition, expenses often increase in retirement because you have more time t...
by FrugalInvestor
Mon Mar 11, 2019 12:37 pm
Forum: Personal Investments
Topic: Should I go all in with Vanguard or "diversify" with Fidelity?
Replies: 37
Views: 4024

Re: Should I go all in with Vanguard or "diversify" with Fidelity?

Hello all - I have most of my non-retirement funds with Vanguard. It is a managed account and is split between Vanguard Total Stock Market (60%) and Vanguard Total International Stock market (40%) ETFs. I am looking to invest about $200k. Should I continue go "all in with Vanguard" or is there wisd...
by FrugalInvestor
Sun Mar 10, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 4137

Re: Things to do in Indiana

If you are a basketball fan or fan of the movie “Hoosiers” the “Hoosier Gym” at knightstown would be worth a visit. Did not see it mentioned. I was just humming the tune the other day. Is the gym open to the public? Does the gym serve another purpose? I definitely want to check this out. See here.....
by FrugalInvestor
Sun Mar 10, 2019 6:17 pm
Forum: Personal Investments
Topic: Taxable Account with Vanguard - Various Questions
Replies: 6
Views: 702

Re: Taxable Account with Vanguard - Various Questions

I followed the advice of those on this board when the market tanked in 2008 and reconfigured my portfolio to a pure 3-fund with stocks in taxable and bonds in tax advantaged accounts (it just so happened with me that the split worked out almost perfectly). I early retired just a few years before and...
by FrugalInvestor
Sat Mar 09, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback Re: Using OLT.com for tax filing?
Replies: 5
Views: 450

Re: Feedback Re: Using OLT.com for tax filing?

Thanks for the feedback. I've entered all my data in TurboTax and have my final Federal and State numbers only (not forms). I'm planning to run through the OLT.com process to see how that goes and compare to my TurboTax results. My taxes are fairly straightforward but there are a couple of tricky ar...
by FrugalInvestor
Sat Mar 09, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Would you consider me Financially Independent?
Replies: 33
Views: 3902

Re: Would you consider me Financially Independent?

Under those facts, would you consider me FI, or do you think it only "counts" once you have the actual $$ in your accounts, etc.? It only counts when the actual funds are in your accounts. If I were in your position that's the way I would view it. But I've always been very financially conservative.
by FrugalInvestor
Sat Mar 09, 2019 2:12 pm
Forum: Personal Investments
Topic: Most NON obvious thing for new investors
Replies: 58
Views: 6856

Re: Most NON obvious thing for new investors

The way to become financially independent is to pick the most simple plan possible, stick with it when the world is ending and everyone else is losing their head (either from fear of missing out in the market or fear of being in the market), and most importantly staying out of your own way by doing...
by FrugalInvestor
Fri Mar 08, 2019 3:20 pm
Forum: Personal Investments
Topic: Most NON obvious thing for new investors
Replies: 58
Views: 6856

Re: Most NON obvious thing for new investors

The most non-obvious thing is that the most obvious thing - the financial media - is not only useless but probably dangerous to your financial health. +1 I include in "the financial media" anyone who writes about investing, personal finances, and microeconomics. In seeking to monetize their writing...
by FrugalInvestor
Fri Mar 08, 2019 11:32 am
Forum: Personal Investments
Topic: Most NON obvious thing for new investors
Replies: 58
Views: 6856

Re: Most NON obvious thing for new investors

The most non-obvious thing is that the most obvious thing - the financial media - is not only useless but probably dangerous to your financial health.
by FrugalInvestor
Fri Mar 08, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Help!! Why is TurboTax offsetting ACA premiums (deduction) by amount of unrelated HSA withdrawal?
Replies: 3
Views: 413

Re: Help!! Why is TurboTax offsetting ACA premiums (deduction) by amount of unrelated HSA withdrawal?

Just a little further information in the event anyone else runs into this. My situation and the reason I ran into this problem is probably rare. My state allows me to itemize on my state return even if I don't on my Federal. My 1095-A information and my HSA withdrawal must be entered on my Federal r...
by FrugalInvestor
Thu Mar 07, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help!! Why is TurboTax offsetting ACA premiums (deduction) by amount of unrelated HSA withdrawal?
Replies: 3
Views: 413

Re: Help!! Why is TurboTax offsetting ACA premiums (deduction) by amount of unrelated HSA withdrawal?

If you have $3600 in medical expenses, and you withdraw $3000 from an HSA, then your medical expenses for the purpose of deductions is $600. Because of the dental bill, your actual medical expenses were $6600, and you could report that number to TurboTax to get the correct $3600 net number. However...