Search found 4865 matches

by FrugalInvestor
Fri Nov 16, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 232
Views: 14407

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Cheers to Fidelity. I regret picking Saturna a couple of years ago. Now I'm stuck with a $75 closing fee. I was able to withdraw all my money without fees by taking a distribution and doing an indirect rollover (limited to one per 12-month period). My guess is that the closing fee applies if you re...
by FrugalInvestor
Fri Nov 16, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 232
Views: 14407

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I wonder if it's because the HSAs are brokerage accounts. I'll shoot them an email when I get in to the office to confirm. I think they are, if you look at the investing options: https://www.fidelity.com/go/hsa/investing-your-hsa They are, Fidelity explicitly states this in one of the pop-outs I qu...
by FrugalInvestor
Thu Nov 15, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 24
Views: 1228

Re: Mouse in the house

they said it is not worth drilling a hole in the wall to try to get it out, as it will just desiccate after it dies, and any odor will dissipate very quickly (if we smell it at all). Good luck with that! I had one die in my wall due to a neighbor feeding poison to the mice. It stunk to high heaven ...
by FrugalInvestor
Thu Nov 15, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 25
Views: 2478

Re: Finally cutting cable -- is 40mbps enough for streaming services?

40 Mbps should be plenty. We run two concurrent streams plus use our laptops and have numerous other devices on the network with 15 Mbps. We get a consistent 15+ because our service is FiOS. If you have consistent 40 Mbps and have buffering problems it's most likely a router issue. Once I paired Goo...
by FrugalInvestor
Wed Nov 14, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6657

Re: Are you all staying the course?

Ignoring the noise and staying the course. :D
by FrugalInvestor
Wed Nov 14, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from ACA to Medicare
Replies: 32
Views: 3495

Re: Switching from ACA to Medicare

One more little bit of confusing info I found out today... I tried to enroll the wife in a 2019 plan. Since she now has a separate health plan via the marketplace and is supposedly the primary contact, I thought that in order to use healthcare.gov she would need her own account. Wrong. Couldn't set...
by FrugalInvestor
Wed Nov 14, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 1774

Re: Mesh versus Range extender

I first tried an extender, it worked but my devices had problems with it particularly if they were moved back and forth between the the areas primarily served by the router and the extender. After much frustration we bit the bullet and purchased a Google Wifi 3-pack and have had zero issues since. I...
by FrugalInvestor
Sun Nov 11, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4670

Re: Do you prefer etfs or mutual funds?

I feel that ETFs have less flexibility in purchasing and selling. I am limited to during business hours and I have to babysit to avoid being hosed on the bid-ask spread. With mutual funds, I can place my order any time and be assured of my execution at a fair price. I also find the buy/sell process...
by FrugalInvestor
Sat Nov 10, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6071

Re: Strategy during the last stock market decline

I was early retired when the downturn hit. Thanks to the help of many here my strategy became to tax loss harvest and rebalance from bonds to stocks a couple of times - not strictly based on bands but rather when I could mentally bring myself to do so. I also took advantage of the opportunity to sim...
by FrugalInvestor
Sat Nov 10, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: question from "not the smartest personal computer guy in the world"
Replies: 12
Views: 1694

Re: question from "not the smartest personal computer guy in the world"

Since safety and simplicity is your goal and you're already utilizing many Google products and services I'd strongly suggest taking a look at a Chromebook to replace your PC and possibly your iPad. Security and simplicity is what Chromebooks are all about. I moved from a Windows machine to a Chromeb...
by FrugalInvestor
Tue Nov 06, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Documents
Replies: 32
Views: 2623

Re: estate Documents

Thanks for all the responses. A little overwhelming for me to understand everything. But I will start with reading one of the books suggested. Perhaps convince my husband to read one too :). My main goal of estate planning is to make sure, that things are in order for the kids in case of unforeseen...
by FrugalInvestor
Tue Oct 30, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Kevin O'Leary: owning a car is a terrible idea
Replies: 43
Views: 3314

Re: Kevin O'Leary: owning a car is a terrible idea

Here's a thought inspired by all the headaches I've had with my lousy 2017 Honda CRV. Kevin O'Leary suggests they are a terrible waste of money. I'll add that they just take up too much of your valuable time dealing with all the overhead of owning one. You would think Bogleheads would be talking up...
by FrugalInvestor
Sat Oct 27, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7158

Re: How many miles (total) on car before buying another car ?

dm200 wrote:
Sat Oct 27, 2018 11:01 am
4. Is my wife happy?
This is a biggie for me although I like a new vehicle almost as much as she does.
by FrugalInvestor
Sat Oct 27, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7158

Re: How many miles (total) on car before buying another car ?

I’ve never bought these arguments. I am a firm believer that much of this tech is mitigating increasingly distracted driving. Don’t get me wrong, having a car that blinks when you get to close to the car in front of you, or a wheel that tugs you into your lane isn’t a bad thing, but I believe it is...
by FrugalInvestor
Sat Oct 27, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7158

Re: How many miles (total) on car before buying another car ?

Our last two primary vehicles, a Lexus and an Acura, had 140,000 and 122,000 miles respectively before being traded in or sold. Both were 7-8 years old. We were getting tired of them and they were becoming less comfortable. Both had been practically bullet-proof in terms of repairs but were getting ...
by FrugalInvestor
Tue Oct 23, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 69
Views: 8855

Re: My Edward Jones IRA is out performing my Vanguard 401K

WOW :shock: I'm not getting any special pricing that I'm aware of. I will definitely be discussing this with my EJ advisor! Thank you so much for the info! He'll likely give you a what sounds like a very reasonable answer that's probably just as inaccurate as the expense ratio average he quoted you...
by FrugalInvestor
Sun Oct 21, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3074

Re: Why Purchase an Automobile using Premium Gasoline?

I didn't read every response so apologize if this has been discussed.... Most modern vehicles for which premium fuel is recommended will run fine on regular fuel with no resulting damage to the engine. Most will state this in their owners' manual. My new vehicle, a Mazda, even has clear specs for HP...
by FrugalInvestor
Sat Oct 20, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6041

Re: Pull kids from school for vacations?

Often, strict attendance policies are grounded in economics more than anything else. For example, in my state, funding to a particular school is directly dependent on daily student attendance. This is also my understanding as to why many districts have much stricter policies than was once the case.
by FrugalInvestor
Thu Oct 18, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8464

Re: When to change tires; and what brand

Here's are the guidelines for tire replacement on Goodyear Tire and Rubber's website. You should monitor your tread depth closely once it reaches 4/32 inch deep. If you want to check it yourself, here's how to assess your tread depth: 4/32" or deeper Good 3/32" Replace Tires Soon 2/32" or less Repla...
by FrugalInvestor
Thu Oct 18, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8464

Re: When to change tires; and what brand

I live in the desert with very little rain. I'm retired, so when it does rain I'm typically at home. I buy new tires when they reach the wear indicators (2/32"). If I were leaving on a driving trip and they were 4/32" or below I'd consider purchasing earlier. You really are frugal!!! :beer Yes I am...
by FrugalInvestor
Thu Oct 18, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8464

Re: When to change tires; and what brand

I live in the desert with very little rain. I'm retired, so when it does rain I'm typically at home. I buy new tires when they reach the wear indicators (2/32"). If I were leaving on a driving trip and they were 4/32" or below I'd consider purchasing earlier.
by FrugalInvestor
Thu Oct 18, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8464

Re: When to change tires; and what brand

IF you are down to 5/32 or lower, the tires are more prone to picking up a road hazard item, nail, screw, piece of wire, etc. The damage to a tire with less tread on it, makes it more prone to total failure on the road, unless you have run-flats. In my experience your greatest chance of having a sc...
by FrugalInvestor
Sun Oct 14, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Medical Balance Billed Illegally?
Replies: 14
Views: 1052

Re: Medical Balance Billed Illegally?

She said don't pay any bill unto you see the EOB. My wife was a benefits administrator in her working days and handles all of our medical billings. She always does the above for both her on ACA insurance and me on Medicare. She scours and matches up all billings and EOBs, asks questions about anyth...
by FrugalInvestor
Thu Oct 11, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2276

Re: Route-66 trip recommendations

I Googled "Route 66 Tours" and this was the first one that came up......

https://www.trafalgar.com/en-us/tours/t ... pcode=drst

There appear to be many others.
by FrugalInvestor
Thu Oct 11, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5615

Re: Keep a backup hot water heater?

If others' water heaters are failing then go ahead and replace yours. They're likely not going to last much longer anyway. Not only will it save you inconvenience but but it could possibly save you damage depending on how and where yours are installed. Edit: I see you beat me to it iamlucky13......s...
by FrugalInvestor
Thu Oct 11, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2276

Re: Route-66 trip recommendations

There's no reason that they couldn't combine a Route 66 trip with other sightseeing like national parks. Especially in the western U.S. there are many national and state parks and historical sites within a reasonable distance of the old Route 66. Of course it depends on how long they want the trip t...
by FrugalInvestor
Wed Oct 10, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 45
Views: 5163

Re: Looking for Mazda CX-9 Feedback

Thanks El Greco.

We're on steep learning curve trying to understand and utilize all the features and tech. We're also enjoying just driving it!
by FrugalInvestor
Wed Oct 10, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2276

Re: Route-66 trip recommendations

There are many books that will guide you along the entire route. We've used Road Trip USA on many of our cross country driving trips concentrating on different routes each time. It helps us find the local attractions that we would otherwise miss. I highly recommend it or one of the related specialty...
by FrugalInvestor
Tue Oct 09, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 671
Views: 98383

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I wouldn't buy one until I know they have a solution that is proven to work. That will take awhile. I'm sure others feel differently.
by FrugalInvestor
Tue Oct 09, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 671
Views: 98383

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

And a new article from Autoweek about the problem and interim 'fixes.' https://autoweek.com/article/car-news/some-honda-cr-v-owners-are-reporting-stalling-low-engine-power?utm_source=DailyDrive20181009&utm_medium=enewsletter&utm_term=headline-center&utm_content=body&utm_campaign=awdailydrive We cons...
by FrugalInvestor
Mon Oct 08, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2872

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

A long-used saying is "the market climbs a wall of worry." In other words, as long as the prevailing sentiment is that the market is about to fall it continues to go up. It's when widespread euphoria sets in that it often crashes. Of course it's only a saying and may or may not apply at any particul...
by FrugalInvestor
Sun Oct 07, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 45
Views: 5163

Re: Looking for Mazda CX-9 Feedback

Thank you all for your feedback. It was very helpful. After continuing to look, read and compare we settled on a '19 Mazda CX-9 and purchased it today. The 2019 added a few new features that were important to us including Android Auto (and Apple CarPlay), ventilated seats and more safety systems amo...
by FrugalInvestor
Thu Oct 04, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2133

Re: AARP UnitedHealthCare Plan G

It seems that most if not all posters in this thread are praising plan G over Plan F. Any opinions to the contrary and why? There has been a lot of previous discussion about plans F and G on this board. A search will bring them up. Here's a fairly recent one.... https://www.bogleheads.org/forum/vie...
by FrugalInvestor
Thu Oct 04, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2133

Re: AARP UnitedHealthCare Plan G

Semes that all insurers in a given market area essentially offer the same Plan G coverage, and actual payment is determined by CMS and not the insurer. Therefore, with the exception of future premium increases, unless there’s a real difference in others aspects of how the policy is administered I s...
by FrugalInvestor
Wed Oct 03, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2133

Re: AARP UnitedHealthCare Plan G

I've had AARP/UHC Plan G for about 1-1/2 years. Unfortunately I've used it extensively in that time. I chose the plan at the recommendation of my agent after much discussion. I resisted because after joining AARP many years ago I had to fight for years to stop the deluge of junk mail from them. As a...
by FrugalInvestor
Tue Oct 02, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Finding a contractor for built-in bbq grill installation
Replies: 5
Views: 362

Re: Finding a contractor for built-in bbq grill installation

Plumbers do it here. Actually handymen do it too but they shouldn't. I believe that a gas company inspection should be done at the appropriate point during the install as well.
by FrugalInvestor
Sun Sep 30, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6082

Re: How to tell contractor you don't plan to pay him.

It may be worthwhile to call GAF and ask them to send a rep to talk with you in person and inspect the job.
by FrugalInvestor
Sun Sep 30, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6082

Re: How to tell contractor you don't plan to pay him.

They botched the starter course, not even sure they used one. Can lift the shingles 8" to 12" in places. So that's not good. With the wet installation, I can't risk losing the lifetime warranty on the shingles themselves. We are expecting our first freeze any day now and there's not been enough war...
by FrugalInvestor
Sun Sep 30, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6082

Re: How to tell contractor you don't plan to pay him.

The fact that other roofers working at the same time in the same neighborhood stopped work and covered their roofs with tarps speaks volumes.
by FrugalInvestor
Sat Sep 29, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 18
Views: 2051

Re: Looking for advice on whether to participate in Deferred Compensation Plan

I chose not to participate in my company's DCP not because I carefully weighed the pros and cons but because I didn't fully understand the possible ramifications other than reduced tax in the short-term. I think I innately understood that it wasn't a good idea to invest in something I didn't underst...
by FrugalInvestor
Sat Sep 29, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 44
Views: 13986

Re: Vanguard: Transition to our new investment platform

The statements are different - the one thing that I dislike is that the December statement is not a total summary of the year, as the old mutual fund format. That I believe was my primary objection. The year-end statement is the only statement I retain (on paper) for the long-term and in the mutual...
by FrugalInvestor
Fri Sep 28, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 44
Views: 13986

Re: Vanguard: Transition to our new investment platform

I also received something similar years ago. As I recall I converted but was very unhappy with the format of the new statements. They too much more paper and were somewhat convoluted compared to the old ones. I called, told the rep. that I disliked the new format and asked if I could change back. I ...
by FrugalInvestor
Fri Sep 28, 2018 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 44
Views: 13986

Re: Vanguard: Transition to our new investment platform

No message here but I do not have a brokerage account, only mutual funds.
by FrugalInvestor
Thu Sep 27, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3500

Re: Good flip flops

Olukai makes good looking and very supportive flip flops. I need good arch support, have difficult to fit feet, and have experienced plantar fasciitis. Olukai are the only flip flops I've found that I can wear.
by FrugalInvestor
Tue Sep 25, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Which type of Primary Care Physician?
Replies: 54
Views: 4233

Re: Which type of Primary Care Physician?

I choose an internist. However, I also know that my PCP deals with a lot of elderly patients which I will inevitably become.
by FrugalInvestor
Tue Sep 25, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6097

Re: Oil change interval for low-mileage vehicles

+1000 to the chorus of recommendations to FOLLOW THE MANUAL. Ford spent millions of dollars on thousands of college educated professionals engineering your car. You really thing the guy in blue coveralls on the corner knows better than they do? This applies to dealers too. Dealers are notorious for...
by FrugalInvestor
Tue Sep 25, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6097

Re: Oil change interval for low-mileage vehicles

Follow the manufacturer's recommendation. Most newer vehicles will calculate when the oil should be changed based upon actual driving conditions and display that recommendation on the instrument panel somewhere. Mine shows me % of oil life remaining. If yours has that, use it. It's more accurate tha...
by FrugalInvestor
Mon Sep 24, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4883

Re: 2019 ACA prices out

HoosierJim wrote:
Mon Sep 24, 2018 5:00 pm
Don't worry - lawsuits on both sides of the issue are going through the courts.
Actually that is what worries me.
by FrugalInvestor
Mon Sep 24, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11789

Re: Did you really have something to retire to?

I have many hobbies and interests that I couldn't pursue or pursue to the degree I would have liked while working. Now work doesn't get in the way of those things and hasn't for 15 years. I haven't been bored for a moment in retirement and marvel at those who can't find anything to do with their tim...
by FrugalInvestor
Sun Sep 23, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1949

Re: Mom needs hip revision: how can I fight on her behalf?

Every healthcare institution I have worked for has actively tried to control payer mix, it is just a reality. If you think this is bad, It is really crazy what they do in smaller private practices! Taking out the ethics of equal access to healthcare, it does make sense. If there were two groups of ...