Search found 4345 matches

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: 47
Views: 3247

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: 105
Views: 5743

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: 3395

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: 3408

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: 3408

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: 2281

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: 2281

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: 1936

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: 4624

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: 1335

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.
by FrugalInvestor
Wed Aug 30, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 1415

Re: Hulu w/ Live TV

Some of these options require the hardware, right? I'm assuming that to get Playstation Vue that you have to own a Playstation. Correct? What's that set you back these days? No. PSVue can be watched on many devices. Here's a link to the list on their website.... https://www.playstation.com/en-us/ne...
by FrugalInvestor
Wed Aug 30, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 1415

Re: Hulu w/ Live TV

Those of you who are big sports fans and have one of these packages how much is your combined internet and cable bill per month? I assume that if you are a big sports fan that you have one of the larger packages. Hulu TV seems to hit just about all of my needs. Also, is there any compromise in the ...
by FrugalInvestor
Tue Aug 29, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 1415

Re: Hulu w/ Live TV

Youtube TV - $35 Has all the local networks but is only available in limited number of cities Major spots networks NOT in this option - MLB Network, NFL Network, Golf Network, ESPN News, Big 10 Network, NBC Sports Network, Pac 12 Network, NBA TV I'm a YouTube TV subscriber. The Golf Network, Big 10...
by FrugalInvestor
Tue Aug 29, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 1415

Re: Hulu w/ Live TV

Youtube TV - $35 Has all the local networks but is only available in limited number of cities Major spots networks NOT in this option - MLB Network, NFL Network, Golf Network, ESPN News, Big 10 Network, NBC Sports Network, Pac 12 Network, NBA TV I'm a YouTube TV subscriber. The Golf Network, Big 10...
by FrugalInvestor
Tue Aug 29, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2615

Re: Purchasing a Health Plan - Not Marketplace

Wow, great information here and also confusing at the same time. I will wait until November 1st to see what the ACA has to offer. My goal is to get a insurance plan that has my doctor and hospital in network. If I can get that I'll be happy regardless of price. If you don't already have a broker I'...
by FrugalInvestor
Tue Aug 29, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2615

Re: Purchasing a Health Plan - Not Marketplace

As far as I know, the ACA (Obamacare) is still in effect. I believe that almost all plans offered (even if not purchased through the marketplace) may not reject you (or refuse to cover you) for pre-existing conditions. There are ways around this, the most common being Short Term Medical plans. They...
by FrugalInvestor
Tue Aug 29, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Negotiating for a domain name
Replies: 2
Views: 498

Re: Negotiating for a domain name

Here's a start with some good tips.... https://blog.spinweb.net/how-to-negotiate-for-a-domain-name I went through a negotiation once. I had to clearly but tactfully let the seller know there was limit to my willingness to pay and that I was willing to walk away. This was in the dot.com days when eve...
by FrugalInvestor
Tue Aug 29, 2017 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2615

Re: Purchasing a Health Plan - Not Marketplace

DrGoogle2017 wrote:
Tue Aug 29, 2017 12:51 am
I believe you can also get credit through your tax return. My daughter will claim her insurance on her tax return because her work place didn't offer it last year.
The tax credit is only available for Marketplace purchased plans.
by FrugalInvestor
Mon Aug 28, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2615

Re: Purchasing a Health Plan - Not Marketplace

Well here in Williamson County TN the ACA plans are terrible. I have a Humana PPOx plan with a $17000 deductible and my doctor and local hospital do not accept the PPOx insurance. I just thought I could do better of the ACA Exchange for 2018. Your right though, why limit my choices. I'll have to wa...
by FrugalInvestor
Mon Aug 28, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2615

Re: Purchasing a Health Plan - Not Marketplace

When you say "not Obamacare" what do you mean and why do you not want "Obamacare." I only ask this because the terminology can be confusing. Obamacare (ACA) compliant policies are often available both on and off marketplace and with or without subsidy (subsidy only on marketplace). So ruling out any...
by FrugalInvestor
Mon Aug 28, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2615

Re: Purchasing a Health Plan - Not Marketplace

In some places you can purchase Short Term Medical policies that are not ACA compliant. It's my understanding that these may require underwriting which means you can be refused. They are usually not full-year policies but 11 months or less. Be careful purchasing one as the benefits can be very limit...
by FrugalInvestor
Mon Aug 28, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Buying fish (salmon) in Northeast?
Replies: 37
Views: 2137

Re: Buying fish (salmon) in Northeast?

I also recommend wild Alaskan salmon from Costco. In our area we can buy fresh in the refrigerated area during the summer and frozen Sockeye salmon fillets from the frozen area all year. We usually choose the frozen even in summer - it's excellent and the fillets are a nice size.
by FrugalInvestor
Mon Aug 28, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing International Holdings?
Replies: 14
Views: 1368

Re: Reducing International Holdings?

Do what you're comfortable with and then you're less likely to make changes. Having a plan, sticking to it and keeping costs low are what's important.
by FrugalInvestor
Mon Aug 28, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: failed on Dish network negotiation - what to do?
Replies: 8
Views: 1384

Re: failed on Dish network negotiation - what to do?

I put an antenna in my attic and added streaming so I would hold the negotiating power instead of the cable company. Just so happens I've never gone back, but I always have the option and in all likelihood at new subscriber rates. It opens up all sorts of options.
by FrugalInvestor
Sun Aug 27, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: medigap insurance- did you get excess charges rider?
Replies: 10
Views: 860

Re: medigap insurance- did you get excess charges rider?

toofache32 wrote:
Sun Aug 27, 2017 10:59 am
Yes thank you, "opted out" is what I was referring to. I think I answered my own question because if this rider is part of the Medicare/Gap/Advantage plans then I assume they won't apply to opted out providers, which means they won't pay.
That would be my assumption as well.
by FrugalInvestor
Sun Aug 27, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: medigap insurance- did you get excess charges rider?
Replies: 10
Views: 860

Re: medigap insurance- did you get excess charges rider?

I'll have to look up the correct terminology, but my question was regarding doctors who have completely opted out of Medicare and are not bound by the 15% rule. I agree the terminology doesn't make sense. Here's an article that explains the various categories of doctors with regard to Medicare.... ...
by FrugalInvestor
Sun Aug 27, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: medigap insurance- did you get excess charges rider?
Replies: 10
Views: 860

Re: medigap insurance- did you get excess charges rider?

I'm still unclear on what this covers. Is it just for providers who are in that 15% extra charge category? What about providers who are completely out of network and are not limited by the 15% ? It is those providers that are "non-participating" providers under Medicare or in other words do not acc...
by FrugalInvestor
Sat Aug 26, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4026

Re: Transitioning management of investments as cognitive ability declines

I am single and do not have kids. In retirement I am seriously considering one or more SPIA - partly for the reasons you listed. Check would be deposited. No need to worry about lots of asset mgmt or when to sell. I will also go to a balanced fund for non SPIA to keep it simple (Vanguard life strat...
by FrugalInvestor
Sat Aug 26, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: medigap insurance- did you get excess charges rider?
Replies: 10
Views: 860

Re: medigap insurance- did you get excess charges rider?

montanagirl wrote:
Sat Aug 26, 2017 7:21 pm
Where I live (Mt) it's plan f that pays everything, and plan g that doesn't cover the deductible.

Thought it was the same everywhere. :confused
You are absolutely correct! I will fix my post. Sorry for the error, don't know what I was thinking!
by FrugalInvestor
Sat Aug 26, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3194

Re: Desperate to get rid of mosquitoes, what else could we try?

I have friends who have set up an oscillating fan on their patio. They cited a piece in the NY Times some that said mosquitos are very weak flyers and will not get at you if there is a fan blowing. I've not tried this myself but have been meaning to. I had a friend who tried it. He now has a fan fo...
by FrugalInvestor
Sat Aug 26, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: medigap insurance- did you get excess charges rider?
Replies: 10
Views: 860

Re: medigap insurance- did you get excess charges rider?

Shopping for Medigap insurance for my husband. We are in WI, so medigap has different names for types of policies than elsewhere. Wondering if it is worth it to get rider for "excess charges Part B"? It is about $8 more/month, so not too expensive, but not sure how often "excess charges" would come...
by FrugalInvestor
Sat Aug 26, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3194

Re: Desperate to get rid of mosquitoes, what else could we try?

Take a look here, lots of good info. and products. One of the backyard misting systems may work for you or a fogger or both. Be sure and read the descriptions and customer comments carefully to make sure you're getting a product that will do what you need...... http://www.domyownpestcontrol.com/mosq...
by FrugalInvestor
Sat Aug 26, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: Photobucket - disappearing images and $$$ - has it affected you?
Replies: 28
Views: 2469

Re: Photobucket - disappearing images and $$$ - has it affected you?

Yes, I had photos posted on a few sites that no doubt have been affected. Fortunately they were not anything truly important. I did download all of my photobucket photos from the site a few months ago to make sure I still have them for future use.
by FrugalInvestor
Fri Aug 25, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 1847

Re: Subaru - One tire bad replace all four?

As others have said, 7 years is getting to the safety limit for tires - maybe even past depending on environmental conditions. Also, if one tire is cracking the others will soon follow. Plus, as the garage has told you, you should not drive with one new and 3 old tires.

I would replace all 4 now.
by FrugalInvestor
Thu Aug 24, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: DirecTv - Costco deal + other questions
Replies: 8
Views: 666

Re: DirecTv - Costco deal + other questions

If you live in a metro market where Youtube TV is available I would highly recommend that you give it a try. 30 days is free and you can just watch on your computer to find out if it's enough for you. Once you go to a paid subscription you'll receive a free Chromecast to send the picture to a TV (a...
by FrugalInvestor
Thu Aug 24, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: DirecTv - Costco deal + other questions
Replies: 8
Views: 666

Re: DirecTv - Costco deal + other questions

If you live in a metro market where Youtube TV is available I would highly recommend that you give it a try. 30 days is free and you can just watch on your computer to find out if it's enough for you. Once you go to a paid subscription you'll receive a free Chromecast to send the picture to a TV (as...
by FrugalInvestor
Sun Aug 20, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Leveraging minority ownership into healthcare?
Replies: 11
Views: 887

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: 7996

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: 7996

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: 7996

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: 8167

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: 7996

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: 828

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: 8167

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: 7996

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: 2266

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: 7239

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: 4927

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: 1711

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...