Search found 5381 matches

by FrugalInvestor
Fri May 29, 2020 9:20 am
Forum: Personal Investments
Topic: Favorite initial investor Vanguard mutual index fund; VTSAX
Replies: 18
Views: 848

Re: Favorite initial investor Vanguard mutual index fund; VTSAX

anon_investor wrote:
Thu May 28, 2020 10:07 pm
Cheez-It Guy wrote:
Thu May 28, 2020 9:30 pm
It's my favorite and largest holding as well.
+1


+2 And my only equity fund.
by FrugalInvestor
Wed May 27, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1409

Re: Bird Nest Forming Under Deck

I have sealed off areas where birds want to nest with 1/4" wire mesh (hardware cloth). I have also removed nests while in the building was in progress and replaced the nest with a plastic snake (see Amazon). A third method I've used is to place a very bright LED work light as near to the nesting are...
by FrugalInvestor
Fri May 22, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: Bicycle Recommendation?
Replies: 34
Views: 2523

Re: Bicycle Recommendation?

REI has a sale going on right now.
by FrugalInvestor
Fri May 22, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: Shed Foundation: Flat Concrete Blocks or Deck Piers?
Replies: 18
Views: 1325

Re: Shed Foundation: Flat Concrete Blocks or Deck Piers?

I like to use pier blocks with adjustable saddles. This allows for easy leveling should there be any settling.....or if I don't get it level in the first place which I would never admit to (and don't have to with these). :happy

See here......
https://www.pinterest.com/pin/383931936973069681/
by FrugalInvestor
Fri May 22, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Access to cabin blower fan for 2003 Ford Ranger
Replies: 7
Views: 333

Re: Access to cabin blower fan for 2003 Ford Ranger

There's a ton of YouTube videos available on getting to the blower fan if you Google "2003 ford ranger blower motor" Those might help determine how you want to proceed. And it looks like it’s a real pain - it’s under the hood in the back left corner as you face the car and you can’t really get it o...
by FrugalInvestor
Thu May 21, 2020 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4125

Re: Turning 65, Medicaire questions

Can my wife and I get different plans? I rarely go to the doctor and high deductibles will work out the best for me. My wife has to Go in regularly for tests so a low deductible and low co- pay is best for her. Can we get separate plans or are there advantages for a married couple to be on the same...
by FrugalInvestor
Thu May 21, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: Help me understand tax on mutual fund
Replies: 7
Views: 467

Re: Help me understand tax on mutual fund

It's noise, ignore it. Don't let these people sway you, have a long-term plan and stick to it. Don't try to argue, there is no convincing. You are thinking clearly and they are in emotional gambling mode. Emotions are the enemy of the investor. P.S. All of my taxable equities consist of the Vanguard...
by FrugalInvestor
Thu May 21, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4125

Re: Turning 65, Medicaire questions

If you have any medications that you suspect are driving the cost up. Try seeing what you can get them for with a coupon on GoodRx. This is good advice for anybody, with any insurance, who routinely purchases Rx. DW and I have employer prescription drug coverage, but all our medications are cheaper...
by FrugalInvestor
Thu May 21, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4125

Re: Turning 65, Medicaire questions

If you have any medications that you suspect are driving the cost up. Try seeing what you can get them for with a coupon on GoodRx. This is good advice for anybody, with any insurance, who routinely purchases Rx. DW and I have employer prescription drug coverage, but all our medications are cheaper...
by FrugalInvestor
Tue May 19, 2020 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4125

Re: Turning 65, Medicaire questions

You may want to read through this (previous) discussion....

viewtopic.php?f=2&t=285507&hilit=medicare
by FrugalInvestor
Mon May 18, 2020 11:37 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 97
Views: 14234

Re: Lowes vs Home Depot

I like the Lowe's stores better. They'r cleaner and better organized. But I shop more at Home Depot because they have a larger selection and their pricing is almost always better. I also like Behr paint much better than Lowe's brand. However, there are categories of products that I always buy from L...
by FrugalInvestor
Mon May 18, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Tax Deductions for Donation to Donor Advised Fund from account titled in name of Revocable Trust
Replies: 7
Views: 308

Re: Tax Deductions for Donation to Donor Advised Fund from account titled in name of Revocable Trust

If you’re uncomfortable doing that way (though I think it is totally legitimate) I can think of several options to avoid that: 1) Make the contribution before the joint account gets retitled. The retitled account will probably have a new account number so it will be distinguishable from your joint ...
by FrugalInvestor
Mon May 18, 2020 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Tax Deductions for Donation to Donor Advised Fund from account titled in name of Revocable Trust
Replies: 7
Views: 308

Re: Tax Deductions for Donation to Donor Advised Fund from account titled in name of Revocable Trust

mgensler wrote:
Mon May 18, 2020 8:16 am
Correct. We have a CPA do our taxes and they've always handled it that way.
Does the tax document for the contribution that you provide to the IRS have the trust's name and your personal social security number?
by FrugalInvestor
Mon May 18, 2020 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Tax Deductions for Donation to Donor Advised Fund from account titled in name of Revocable Trust
Replies: 7
Views: 308

Re: Tax Deductions for Donation to Donor Advised Fund from account titled in name of Revocable Trust

I'm assuming from the following Q&A at the same IRS link (my bolding) that any charitable contributions made from the trust would also be deductible on my personal tax return. Correct? Q: May a trust deduct contributions to a charity? A: A simple trust cannot. A complex trust may, but the deduction ...
by FrugalInvestor
Sun May 17, 2020 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Deductions for Donation to Donor Advised Fund from account titled in name of Revocable Trust
Replies: 7
Views: 308

Tax Deductions for Donation to Donor Advised Fund from account titled in name of Revocable Trust

My wife and I have created a revocable trust. Our joint taxable account will be retitled in the name of the trust per instructions from our attorney (Vanguard won't name the trust as beneficiary but will retitle the account which was one of the second option the attorney gave us). The tax i.d. numbe...
by FrugalInvestor
Sun May 17, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: Is there a Cable Guy in the House?
Replies: 42
Views: 3547

Re: Is there a Cable Guy in the House?

First, I would reset my current router / modem, by unplugging for 30-seconds and then plugging back in. It is surprising how much speed you will pick up. It is recommended that you do this once per month. Hogwash. If you have to restart your router once a month, your router is garbage and should be...
by FrugalInvestor
Sat May 16, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: Is there a Cable Guy in the House?
Replies: 42
Views: 3547

Re: Is there a Cable Guy in the House?

I'm betting your new mesh router will solve the problem for you. If not, hopefully the new mesh point you're adding near your TV equipment has an ethernet connection so you can run an ethernet cable from the mesh point to your TV/AppleTV. If you need more than one ethernet connection to entertainmen...
by FrugalInvestor
Sat May 16, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4293

Re: How did you feel after giving notice to retire?

I'm sure it's normal for some to have conflicting thoughts. I think it comes down to the individual and their feelings about themselves and their work. I've known people who've retired and have been very bored. Most ended up going back to work relatively quickly. Personally I always worked with reti...
by FrugalInvestor
Thu May 14, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8602

Re: Vanguard Mutual Fund Platform EOL

Wonder what they'll do for the people that can't use a brokerage account due to their jobs in the financial sector? It's interesting that you bring this up. I've been going around with Vanguard trying to get the beneficiary on my wife's and my joint account changed to our revocable trust or the acc...
by FrugalInvestor
Thu May 14, 2020 12:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8602

Re: Vanguard Mutual Fund Platform EOL

Maybe in the next two years vanguard can fix whatever issue(s) prevents the new platform automatically redirecting dividends. Can someone explain what this dividend redirection issue is? It means that I can have distributions (dividends and capital gains) from fund A automatically sent to fund B. I...
by FrugalInvestor
Sun May 10, 2020 5:38 pm
Forum: Personal Investments
Topic: Portfolio questions: retire early or buy a home, OR have my cake and eat it too?
Replies: 9
Views: 801

Re: Portfolio questions: retire early or buy a home, OR have my cake and eat it too?

What will your expenses be in retirement?
Will you have income other than from your portfolio?
Where will your health insurance come from if you retire early?
by FrugalInvestor
Fri May 08, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Weird and Obscure ACA Subsidy Related Tax Question...Help!
Replies: 20
Views: 1205

Re: Weird and Obscure ACA Subsidy Related Tax Question...Help!

A significant portion of those itemized expenses will be our health insurance premiums including my wife's. Are you certain that your insurance premiums qualify as itemized deductions? I was really confused. Upon further review, while health insurance premiums do qualify as an itemized deduction, t...
by FrugalInvestor
Fri May 08, 2020 1:24 pm
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 46
Views: 2664

Re: Thank you, moderators!

This needs to be said more often. Thank you Stinky for bringing it up. :sharebeer

This discussion board is very interesting and valuable and it's the moderators who keep it that way. Thanks moderators for all of your behind-the-scenes efforts!
by FrugalInvestor
Fri May 08, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Weird and Obscure ACA Subsidy Related Tax Question...Help!
Replies: 20
Views: 1205

Re: Weird and Obscure ACA Subsidy Related Tax Question...Help!

fyi: However, if you need to go out and buy Obamacare health insurance coverage on your own, you’re out of luck. You are generally not eligible to deduct the cost of your Obamacare health insurance premiums from your federal taxable income. https://www.obamacareandaca.com/obamacare-taxes/deduct-med...
by FrugalInvestor
Fri May 08, 2020 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Weird and Obscure ACA Subsidy Related Tax Question...Help!
Replies: 20
Views: 1205

Re: Weird and Obscure ACA Subsidy Related Tax Question...Help!

A significant portion of those itemized expenses will be our health insurance premiums including my wife's. Are you certain that your insurance premiums qualify as itemized deductions? Yes, to the extent that they plus other expenses exceed 10% of AGI. We are not employed and pay them out-of-pocket...
by FrugalInvestor
Fri May 08, 2020 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Weird and Obscure ACA Subsidy Related Tax Question...Help!
Replies: 20
Views: 1205

Re: Weird and Obscure ACA Subsidy Related Tax Question...Help!

As far as notifying them right now of your income change, it only makes a difference if your income in below 250% of federal poverty level and you have a cost sharing silver plan. In that case, your deductible and co-pays are subsidized up front and are not refundable at the end of the year if your...
by FrugalInvestor
Thu May 07, 2020 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Weird and Obscure ACA Subsidy Related Tax Question...Help!
Replies: 20
Views: 1205

Re: Weird and Obscure ACA Subsidy Related Tax Question...Help!

You are, in theory, required to notify them as soon as you know of a change in income. I guess you know why your supplemental is not tax deductible. Maybe it is a retiree company provided benefit? For others who may be reading this, Medicare Supplement insurance is normally considered a medical exp...
by FrugalInvestor
Thu May 07, 2020 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Weird and Obscure ACA Subsidy Related Tax Question...Help!
Replies: 20
Views: 1205

Re: Weird and Obscure ACA Subsidy Related Tax Question...Help!

A significant portion of those itemized expenses will be our health insurance premiums including my wife's. Are you certain that your insurance premiums qualify as itemized deductions? Yes, to the extent that they plus other expenses exceed 10% of AGI. We are not employed and pay them out-of-pocket...
by FrugalInvestor
Thu May 07, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: HSA limit & deduction questions
Replies: 13
Views: 398

Re: HSA limit & deduction questions

However, you can also reimburse yourself for past medical expenses that have not been deducted on your taxes if you have maintained the receipts. So if you don't have sufficient expenses to itemize or have just chosen to use the standard deduction, keep your receipts and whatever they add up to can ...
by FrugalInvestor
Thu May 07, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Weird and Obscure ACA Subsidy Related Tax Question...Help!
Replies: 20
Views: 1205

Re: Weird and Obscure ACA Subsidy Related Tax Question...Help!

My first thought is to let the subsidies be paid but to make quarterly tax payments in 2020 to reimburse the total amount of those payments. Since all I will owe in 2020 is the amount to repay the subsidies I could even just make one lump payment in the amount of the subsidies I will receive for th...
by FrugalInvestor
Thu May 07, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Weird and Obscure ACA Subsidy Related Tax Question...Help!
Replies: 20
Views: 1205

Weird and Obscure ACA Subsidy Related Tax Question...Help!

My wife is receiving ACA health insurance subsidies for 2020. We recently received some income that was unpredictable and will push our income over the subsidy limit for 2020. I asked my insurance agent for his advice on what action we should take. He said that due to problems he's seen in the past ...
by FrugalInvestor
Tue May 05, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4789

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

If it's too far down to get by hand I've found that a mechanical grabber tool works great. No chemicals required and it actually removes the problem rather than potentially just moving it further down the line. Home Depot has them here (in stock at my HD store).... https://www.homedepot.com/p/Husky-...
by FrugalInvestor
Sun May 03, 2020 11:47 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7815

Re: Mesh Wifi

psy1 wrote:
Sun May 03, 2020 10:38 pm
I get a new router every 5 years or so. One thing I have learned is that a well placed ethernet cable connected to an inexpensive switch is a smart way to go. I pay someone to run the cable.
Sorry I'm dense I guess but for what purpose? I use switches but why are you mentioning here?
by FrugalInvestor
Sat May 02, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Interior paint for small project (1-coat) – suggestions?
Replies: 12
Views: 717

Re: Interior paint for small project (1-coat) – suggestions?

I'd use a floor and deck paint like this.... https://www.amazon.com/KILZ-Interior-Exterior-Enamel-Low-Lustre/dp/B01M4QY0MR/ref=as_li_ss_tl?ie=UTF8&linkCode=sl1&tag=best-deck-paint-20&linkId=2e1d8acb70268a496713c7825acdbedf&language=en_US I haven't used this one so can't vouch for it but Kilz is a go...
by FrugalInvestor
Fri May 01, 2020 10:11 pm
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5333

Re: Do you keep moving your cash around chasing yield?

I typically don't but recently ended up with some cash from a sale of property that I won't likely need for a number of months. After some input from others here I went ahead and invested that plus much of my Vanguard money market balance into Marcus Bank no penalty CDs. When things are in flux as t...
by FrugalInvestor
Fri May 01, 2020 6:53 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7815

Re: Mesh Wifi

One issue that I did not see mentioned is the question of security. While I like the idea of the mesh network, according to Consumer Reports (March 2020), the traditional wireless router is more secure than a mesh wireless routers. Is this because they are more configurable for the advanced user (w...
by FrugalInvestor
Fri May 01, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Roofing Experts... Help me Identify my Shingles (w/ links to pics)
Replies: 16
Views: 1139

Re: Roofing Experts... Help me Identify my Shingles (w/ links to pics)

I'd tear off and re-roof from the the decking, but I'm a bit of a perfectionist.
by FrugalInvestor
Fri May 01, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: Roofing Experts... Help me Identify my Shingles (w/ links to pics)
Replies: 16
Views: 1139

Re: Roofing Experts... Help me Identify my Shingles (w/ links to pics)

Thanks for the input. I was looking to re-roof over my existing shingles, but the Internet rabbit hole has me thinking differently now. I'm now concerned that the extra weight of the shingles might cause issues... It would be nice to save some money roofing over the garage/shed, carport myself, but...
by FrugalInvestor
Thu Apr 30, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: Roofing Experts... Help me Identify my Shingles (w/ links to pics)
Replies: 16
Views: 1139

Re: Roofing Experts... Help me Identify my Shingles (w/ links to pics)

The same brand and color will vary from batch to batch and even within a batch.....which is why the packages should always be mixed up when installed. Installing them as they come off the pallet will often produce a blotchy look on the roof. From your photos they look like driftwood to me. The teak ...
by FrugalInvestor
Wed Apr 29, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: 20 AMP Plugs
Replies: 31
Views: 2063

Re: 20 AMP Plugs

Here's a discussion on the topic found through a google search....

https://forums.redflagdeals.com/20-amp- ... d-1076436/

From the site above:
The only 20A kitchen appliances i've seen are tabletop ovens and microwaves. You can tell from the plug. It looks like " -|".
by FrugalInvestor
Mon Apr 27, 2020 10:08 pm
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 2882

Re: What is a Boglehead? Some Fun.

I would describe it as efficient, low-cost index investing through thick and thin. Lot's of Bogleheads, including me, don't spend extravagantly, but personal spending has really nothing to do with an investing strategy. JT It has a great deal to do with wealth accumulation strategy which coupled wi...
by FrugalInvestor
Mon Apr 27, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7815

Re: Mesh Wifi

How well do they work when you do handover? i.e. move from one area of the house to another while keeping same SSID? In my experience, it's completely seamless. The only way I can tell when handover occurs is to watch a specific device in the management app and see the "connected to" field change. ...
by FrugalInvestor
Sun Apr 26, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: Why do investors have a hard time doing nothing?
Replies: 53
Views: 3883

Re: Why do investors have a hard time doing nothing?

Because fight or flight is a natural response of humans, doing nothing is not natural. But that doesn't mean that when it comes to investing it's bad.
by FrugalInvestor
Sun Apr 26, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7815

Re: Mesh Wifi

Like my investments I like simple when it comes to a wifi router. I just want it to work with no tinkering or surprises. I don't need to be able to 'tweak' settings as my home usage is very straightforward but I do want a convenient way to monitor how it is performing. I've been using Google Wifi fo...
by FrugalInvestor
Sun Apr 26, 2020 9:34 am
Forum: Personal Investments
Topic: Experience with Marcus Bank (no penalty CDs)?
Replies: 16
Views: 1612

Re: Experience with Marcus Bank (no penalty CDs)?

One thing I don't see is an option to open an account in the name of a Revocable Trust which my wife and I have. I guess that leaves us out? I guess I could just open an account in my name only but that might cause some legal problems down the road perhaps? You are correct, they do not offer the op...
by FrugalInvestor
Sun Apr 26, 2020 12:31 am
Forum: Personal Investments
Topic: Experience with Marcus Bank (no penalty CDs)?
Replies: 16
Views: 1612

Re: Experience with Marcus Bank (no penalty CDs)?

Thank you for the prompt and informative replies. I ended up purchasing a number of no penalty CDs with the proceeds from a recent property sale. I found it a bit odd that they term every CD a separate "account" so you open your account and then purchase separate CD accounts under that. The set-up a...
by FrugalInvestor
Wed Apr 22, 2020 11:24 pm
Forum: Personal Consumer Issues
Topic: Filling a void (of unknown size) under driveway
Replies: 26
Views: 1514

Re: Filling a void (of unknown size) under driveway

Thanks all for your thoughtful responses. Fortunately, I'm not in a limestone area or location that sees a lot of sinkholes; however, it does give me pause. The consensus view strongly suggests getting to the bottom of why, and extent of, the void. Looks like I should continue my efforts to bring i...
by FrugalInvestor
Wed Apr 22, 2020 5:42 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110352

Re: Jack Bogle - Two Fund Portfolio

Hey two-funders, let me ask you a question: If you HAD to add any second stock fund in addition to total stock market or 500 index, which fund/asset class would you add? I have a strong feeling what the answer will be for most, but I'm just curious. This isn't to incite any more debating. Purely fo...
by FrugalInvestor
Mon Apr 20, 2020 11:43 am
Forum: Personal Investments
Topic: Experience with Marcus Bank (no penalty CDs)?
Replies: 16
Views: 1612

Experience with Marcus Bank (no penalty CDs)?

I'm considering purchasing some Marcus Bank no penalty CDs for holding short-term cash. They're FDIC insured, the rates are quite a bit better than high-yield savings, rates are set for the term of the CD and it appears that by purchasing multiple CDs I could have access to smaller lumps of cash ove...
by FrugalInvestor
Sun Apr 19, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4245

Re: How to get Liquid Hand Soap? seriously.

BeachPerson wrote:
Sun Apr 19, 2020 12:13 pm
Target has saved me with the insanity. Just go at 7:30 AM and wait in line. I do that. I am the first in line just about every time.

Target is the best kept secret. Go!!!!!

You won't be first in line any more! :D