Search found 5581 matches

by FrugalInvestor
Fri Sep 18, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: Received used laptop from Costco web site
Replies: 7
Views: 455

Re: Received used laptop from Costco web site

I just take any online purchases I make and don't want for some reason back to the store along with the online receipt. They'll take it back there. Usually any reason is fine but yours is certain to be accepted.
by FrugalInvestor
Fri Sep 18, 2020 3:00 pm
Forum: Personal Investments
Topic: Anyone REGRET retiring too soon?
Replies: 10
Views: 2170

Absolutely NOT! But I stay busy and have many and varied interests. I always worked with the goal of not working someday. However, I know others who can't stand to not work. People are definitely different in this regard.
by FrugalInvestor
Fri Sep 18, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 90
Views: 11436

Re: Anybody else enjoy sitting around and doing little in retirement?

Some of my retired friends engage in very little activity, physical or mental. I've noticed that they seem to age more quickly than those of us who stay active and involved in social activities, hobbies, side gigs, etc. I would recommend finding some things to keep your body and mind active. Use it ...
by FrugalInvestor
Fri Sep 18, 2020 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Don’t understand when to pay taxes new retiree
Replies: 41
Views: 2914

Re: Don’t understand when to pay taxes new retiree

I haven't read all the responses, but in case it hasn't been mentioned I'd recommend reading up on "safe harbor" for estimated taxes. By paying this amount it doesn't matter how much you'll owe next year, you pay either 100% or 110% (depending on your income) of you prior year's tax liability in est...
by FrugalInvestor
Wed Sep 16, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 166
Views: 10208

Re: Grocery store didn't tell me Shingrix was $160

sailaway wrote: Wed Sep 16, 2020 1:31 pm Did you ask?
That's always my second question. Do you have what I'm looking for? How much do you charge for it? I can't imagine not asking.
by FrugalInvestor
Wed Sep 16, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Building a house and builder screwed up exterior paint horribly
Replies: 102
Views: 5840

Re: Building a house and builder screwed up exterior paint horribly

Choosing paint colors is always tough because color on a little paint chip or even a piece of siding, etc. can look very different once it's applied to a large wall(s) of a house. We've always tried to find a house we like the color of and ask the owner if they know the color, even if we don't know ...
by FrugalInvestor
Wed Sep 16, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: Furnace / Air Maintenance and Covid-19?
Replies: 15
Views: 907

Re: Furnace / Air Maintenance and Covid-19?

When living in mild climates I've had my system serviced every 2-3 years, less often when new and more often as it got older. When living in severely cold or hot climates I've had it serviced annually.
by FrugalInvestor
Tue Sep 15, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Potential Retirement Relocation - Tampa, Clearwater Florida area
Replies: 13
Views: 1046

Re: Potential Retirement Relocation - Tampa, Clearwater Florida area

We've spent some time in that area and the combination of oppressive summer heat and especially humidity and concerns about hurricanes from both a personal safety and risk of damage to primary residence was a dealbreaker for us. But the weight put on various downsides and upsides is different for ev...
by FrugalInvestor
Mon Sep 14, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: How old is a car that can still be traded in?
Replies: 47
Views: 3396

Re: How old is a car that can still be traded in?

You can get a trade-in value for nearly anything. What you don't know is how much of a discount on the price of the new vehicle you would have received without the trade-in. That is why it's best to negotiate your best possible deal without the trade and then ask for a value on the trade. Then you'l...
by FrugalInvestor
Sun Sep 13, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: what do others pay for umbrella insurance, and is it needed?
Replies: 58
Views: 4460

Re: what do others pay for umbrella insurance, and is it needed?

You don't need it until you need it and you can't know when that might be. You probably will never need it, but if you don't have it and you do need it that could result in severe financial harm. So do you need it? I have it.
by FrugalInvestor
Fri Sep 11, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6437

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

This person is a salesperson using commonly taught sales tactics. It was a not a "random" contact - he wanted to sell you something. You should just leave it alone. He's allowed to contact anyone he wants. Agreed, but you did your friends and yourself a big favor by not sharing names. Not only will...
by FrugalInvestor
Tue Sep 08, 2020 10:51 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 97
Views: 7333

Re: How do Bogleheads cope with FOMO? [Fear Of Missing Out]

All we "miss out" on are the wild ups and downs and the expenses, and we typically come out ahead. I find that very doable.
by FrugalInvestor
Mon Sep 07, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Gutter Downspout Question
Replies: 15
Views: 1629

Re: Gutter Downspout Question

to funnel water away without an exposed pipe, consider using a "pop up" https://www.youtube.com/watch?v=n-O7mIJb8nA I think the idea is to temporarily hook the flex pipe up to test the the OP's hypothesis of what the problem is. I'd just daylight the flex pipe as others have suggested and make the ...
by FrugalInvestor
Mon Sep 07, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Gutter Downspout Question
Replies: 15
Views: 1629

Re: Gutter Downspout Question

Two ways to do it - buy metal elbow and a straight section of downspout, or get a downspout to drain pipe adapter and a section of flexible corrugated drain. Latter is cheaper and easier to put in trash when you have your permanent solution installed. You can use zip ties or sheet metal screws to f...
by FrugalInvestor
Mon Sep 07, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: Gutter Downspout Question
Replies: 15
Views: 1629

Re: Gutter Downspout Question

Two ways to do it - buy metal elbow and a straight section of downspout, or get a downspout to drain pipe adapter and a section of flexible corrugated drain. Latter is cheaper and easier to put in trash when you have your permanent solution installed. You can use zip ties or sheet metal screws to f...
by FrugalInvestor
Sun Sep 06, 2020 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can anyone suggest a joint checking account?
Replies: 58
Views: 2629

Re: Can anyone suggest a joint checking account?

All these people that don't write checks... how do you deal with the schools... I write checks for the schools all the damn time... fee for x, film for photo class, books on book day and on and on.... If I remove them... It's maybe once in a while. We kicked the kid out of the house when he was 21 ...
by FrugalInvestor
Sun Sep 06, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can anyone suggest a joint checking account?
Replies: 58
Views: 2629

Re: Can anyone suggest a joint checking account?

What's a check? Seriously, we only use a check for those very occasional times when a vendor won't take a credit card or charges a fee for doing so. On the other hand, everything we have is joint with the exception of IRAs and HSAs which can't be. We consider ourselves a couple and we act and spend ...
by FrugalInvestor
Sun Sep 06, 2020 9:36 am
Forum: Personal Investments
Topic: Wife is "forcing" me to buy stock(s)
Replies: 112
Views: 8703

Re: Wife is "forcing" me to buy stock(s)

Mr.BB wrote: Sat Sep 05, 2020 10:02 pm Actually we just decided to spend $3,000 on a stock pick; call it fun money. We pick up some shares of Apple. (I wish we were having this conversation 20 years ago.. :D ).
Yes, it's always much more effective to invest in the past. The future is very uncertain.
by FrugalInvestor
Sat Aug 29, 2020 10:18 am
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 47
Views: 4059

Re: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again

Rager1 wrote: Sat Aug 29, 2020 9:17 am UPDATE

I finally received official word from Vanguard that the timeframe for keeping check writing privileges open is 3 years, not 180 days.

Ed
Is that on the Admiral or Investor shares, or both?
by FrugalInvestor
Thu Aug 27, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17477

Re: Prime Money Market Changing to Cash Reserves Federal Money Market

[Merged here - mod oldcomputerguy] Prime is moving from a 33% tilt to a full cash, federal, and federal collateralized fund. Change will occur in September. Other changes include lower Admiral limit to $3000. You can move now or it will automatically happen over the next 6 months. However, there’s ...
by FrugalInvestor
Thu Aug 27, 2020 9:35 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17477

Vanguard Makes Changes to its Money Market Funds - What's Best Now?

I've used Prime Money Market for my short-term holdings for many years. I've moved much of that to no-penalty CDs and online savings more recently but still keep some at Vanguard for quick access. I wonder what the best Vanguard choice(s) will be now? Announcement here..... https://investornews.vang...
by FrugalInvestor
Mon Aug 24, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Elevated Deck Support Question
Replies: 29
Views: 1946

Re: Elevated Deck Support Question

Thanks for the update. As Sandtrap states cantilevered joists are common and structurally perfectly acceptable. There are span tables available that specify the allowable primary span and resulting cantilever distance for various species of lumber and applications/loading for the deck. A 5' span see...
by FrugalInvestor
Sun Aug 23, 2020 5:25 pm
Forum: Personal Investments
Topic: vtsax AND vfiax
Replies: 15
Views: 1302

Re: vtsax AND vfiax

You're doing fine. What you appear to be missing is a plan. I'd recommend that you read more here, especially the Wiki, and at least a book or two of Jack Bogle's. See this link....... https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit Once you think out and write down a plan yo...
by FrugalInvestor
Sun Aug 23, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: DVR for OTA TV
Replies: 71
Views: 4513

Re: DVR for OTA TV

I used the replacement that Weaknees sells on Amazon because I appreciated their excellent install video. It's been perfectly quiet for 2 years now and our TiVo generally runs 14 hours per day.
by FrugalInvestor
Sun Aug 23, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 165
Views: 10630

Re: PSA: switch to LED light bulbs and save hundreds per year

I have some indoor flood lights in my kitchen ceiling. I believe they are PAR30 size. I am using 1000 lumen incandescent bulbs because the LED replacements I have found are only 850 lumens, and I want the amount of light I have. You might find those 850s are subjectively brighter than the 1000s the...
by FrugalInvestor
Sat Aug 22, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 165
Views: 10630

Re: Warm LEDs

Bogle7 wrote: Sat Aug 22, 2020 9:08 pm
000 wrote: Sat Aug 22, 2020 4:18 pm Have never found a replacement for incandescents that is as soft and gentle.
Look for 2700 K temperature.
Also look for a high CRI (color rendering index) of 85-90 or better. Even if the desired temperature, light that has a poor CRI can make a room feel weird.
by FrugalInvestor
Sat Aug 22, 2020 10:03 pm
Forum: Personal Consumer Issues
Topic: Elevated Deck Support Question
Replies: 29
Views: 1946

Re: Elevated Deck Support Question

It's difficult to see what's going on with the 'shims' in the picture. I could see a piece of wood being bolted to the steel beam and the joist then being fastened to the wood...either toe nailed or better yet with a flat, twisted, galvanized steel anchor made for that purpose (if toenailed they sho...
by FrugalInvestor
Sat Aug 22, 2020 7:48 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 165
Views: 10630

Re: PSA: switch to LED light bulbs and save hundreds per year

haven't used incandescent bulbs in years. On the other hand, we also don't leave lights on all the time. Almost all are off during the day when natural light is usually adequate (some exceptions). If you're interested in changing you should look again. I was never a fan of the white light created b...
by FrugalInvestor
Sat Aug 22, 2020 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Dispute--Any Suggestions?
Replies: 46
Views: 2416

Re: Credit Card Dispute--Any Suggestions?

I've filed a dispute once. The service provider had represented that he was providing one brand of product and instead provided a knock-off (he had excuses). Filing the dispute put me in the driver's seat for negotiating a very favorable resolution because he didn't want to eat the (custom) product....
by FrugalInvestor
Sat Aug 22, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Stage 4 Cancer and Young Family
Replies: 105
Views: 14659

Re: Stage 4 Cancer and Young Family

So sorry to hear your news. I wish you strength and courage to meet the challenges ahead. In case nobody else mentioned it, I'd suggest that you nudge your wife to make an account here, and have her come here with any financial questions she has rather than going (say) to Edward Jones. You may want...
by FrugalInvestor
Sat Aug 22, 2020 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Stage 4 Cancer and Young Family
Replies: 105
Views: 14659

Re: Stage 4 Cancer and Young Family

If you haven't already, warn her in no uncertain terms about the vultures like Edward Jones. They will likely be around and are adept at gaining the trust of those who are unsure of themselves and their investing acumen. As others here have suggested, if she feels she needs help with her investments...
by FrugalInvestor
Wed Aug 19, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Replacing furnace filter
Replies: 11
Views: 828

Re: Replacing furnace filter

That sounds very odd. Is this in your home? Have you changed it before?

I have a hard time imagining a manufacturer requiring a filter like you describe. Are you sure that someone hasn't modified it for some reason?
by FrugalInvestor
Mon Aug 17, 2020 11:44 pm
Forum: Personal Consumer Issues
Topic: Farmed Atlantic salmon and toxic chemicals in fish feed
Replies: 62
Views: 4227

Re: Farmed Atlantic salmon and toxic chemicals in fish feed

Here's a Cleveland Clinic article comparing the health benefits of wild vs. farmed salmon. https://health.clevelandclinic.org/fish-faceoff-wild-salmon-vs-farmed-salmon/ Conclusion of the article.... Both farmed and wild salmon have nutrients we all need. But it is becoming clearer that the risks ass...
by FrugalInvestor
Mon Aug 17, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: Farmed Atlantic salmon and toxic chemicals in fish feed
Replies: 62
Views: 4227

Re: Farmed Atlantic salmon and toxic chemicals in fish feed

Our Costco has wild Alaskan Sockeye that is frozen and nearly indistinguishable in taste or texture from fresh Alaskan Sockeye that they sell. We buy it regularly. It's excellent and comes in nice sized portions.
by FrugalInvestor
Sun Aug 16, 2020 8:06 am
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9164

Re: Terrible experience with Ally bank- buyer beware

If you commonly do wire transfers, it makes sense to weigh that heavily in your banking choices. But I would probably just open a Chase savings account, push the money there ahead of time, and wire from them, even if I did a wire transfer once a year or so. Ally is a pretty great bank for day to da...
by FrugalInvestor
Sat Aug 15, 2020 11:03 am
Forum: Personal Investments
Topic: New to investment!
Replies: 35
Views: 1405

Re: New to investment!

Investing is just so confusing and overwhelming To me. It doesn't need to be but those who make money from other people's investments will often make it sound as complicated as possible to convince you that you need to pay them for their help. Doing so is usually a mistake. There's no big rush. Tak...
by FrugalInvestor
Fri Aug 14, 2020 11:06 pm
Forum: Personal Consumer Issues
Topic: Where to find a quality, lower cost muscle car
Replies: 92
Views: 5655

Re: Where to find a quality, lower cost muscle car

I agree with some of the others here. When I early retired I was interested in an old muscle car but after giving it a lot of thought decided that I wanted to enjoy it, not work on it. Heck, when I had one back in the day I worked on it all the time and it was only a couple of years old. To buy one ...
by FrugalInvestor
Fri Aug 14, 2020 3:30 pm
Forum: Investing - Theory, News & General
Topic: [How does one fight the urge to make simple things more complex?]
Replies: 82
Views: 4852

Re: [How does one fight the urge to make simple things more complex?]

Complicate your portfolio and then live with it for awhile and that should break the urge. Many if not most of us learned in that way to one degree or another.
by FrugalInvestor
Thu Aug 13, 2020 11:12 am
Forum: Investing - Theory, News & General
Topic: Active fixed income funds that make sense
Replies: 32
Views: 1703

Re: Active fixed income funds that make sense

I prefer 'boring' in the fixed income portion of my portfolio. I derive sufficient excitement from equities.
by FrugalInvestor
Wed Aug 12, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Just got ~50 insurance quotes, thought I'd share my results for posterity
Replies: 94
Views: 9439

Re: Just got ~50 insurance quotes, thought I'd share my results for posterity

I know very little about the business but it seems to me, some (many?) will give you a low price to get your business and then start increasing it based on the theory that customers are lazy and won't shop around or go to the hassle of changing insurers. That's my impression too, mainly from readin...
by FrugalInvestor
Wed Aug 12, 2020 2:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mid Year Market and Economy Outlook
Replies: 22
Views: 1612

Re: Vanguard Mid Year Market and Economy Outlook

I question what Vanguard's record is on such outlooks and how actionable they are? What should we do as a result?

Hopefully we'll stick to our plans.
by FrugalInvestor
Wed Aug 12, 2020 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: CFP - One-Time Consultation (to Generate Plan), Worth It?
Replies: 22
Views: 1045

Re: CFP - One-Time Consultation (to Generate Plan), Worth It?

My primary concern would be the the professional you hire make recommendations that would cause you to move away from your current focus on simplicity. I think you'd be much better off posting the details of your current situation here (according to site guidelines) and and see what recommendations ...
by FrugalInvestor
Tue Aug 11, 2020 12:01 pm
Forum: Personal Investments
Topic: Taking profit, discouraged by VG PAS, opinions
Replies: 34
Views: 2244

Re: Taking profit, discouraged by VG PAS, opinions

If you're thinking about using some or all of the money for charitable contributions take a look at Donor Advised Funds (Vanguard has one available) and the associated tax benefits.
by FrugalInvestor
Sun Aug 09, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2611

Re: New refrigerator

Anything but Samsung. Both my brother and I had Samsung refrigerators and had exact same issue with them freezing up and needing to be manually defrosted. Do a search...it’s a rampant problem that can’t be fixed. Both had to be replaced after less than 4 years. We both got Whirlpool replacements an...
by FrugalInvestor
Sat Aug 08, 2020 6:43 pm
Forum: Investing - Theory, News & General
Topic: AMZN & AAPL - time to bail?
Replies: 167
Views: 14132

Re: AMZN & AAPL - time to bail?

I own them both and I'm not bailing. They're part of my Vanguard Total Stock Market Index Fund.
by FrugalInvestor
Sat Aug 08, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2611

Re: New refrigerator

One thing I will look at very close next purchase is the $cost of the filters. This GE filter costs $50 a shot and depending on use/time if not replaced when the alarm replacement notice shows up on the front door, will shut off the water and the ice maker. Sometimes I have replace it 3 times in a ...
by FrugalInvestor
Sat Aug 08, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming Strategy - Best Calculator?
Replies: 28
Views: 2134

Re: Social Security Claiming Strategy - Best Calculator?

Another question I have is what happens to my wife's benefit if I die between the time I reach 70 and when she reaches 70 eight years later? When you die, her benefit as your spouse will end. Her own retirement benefit will continue. In a scenario in which you die after having filed for your retire...
by FrugalInvestor
Sat Aug 08, 2020 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming Strategy - Best Calculator?
Replies: 28
Views: 2134

Re: Social Security Claiming Strategy - Best Calculator?

Thank you for piping up Mike! Sorry for that. :(

Another question I have is what happens to my wife's benefit if I die between the time I reach 70 and when she reaches 70 eight years later?