Search found 5068 matches

by FrugalInvestor
Wed Jul 17, 2019 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7623

Re: Medigap vs Advantage: Which did you select?

We would have preferred to have a Medigap plan when we retired at the end of 2006, specifically the F plan. But we couldn't find a doctor in our fairly large area who would accept new medicare patients. So by default, we have a Medicare Advantage Plan. It was great, until Kaiser bought them about a...
by FrugalInvestor
Wed Jul 17, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7623

Re: Medigap vs Advantage: Which did you select?

We would have preferred to have a Medigap plan when we retired at the end of 2006, specifically the F plan. But we couldn't find a doctor in our fairly large area who would accept new medicare patients. So by default, we have a Medicare Advantage Plan. It was great, until Kaiser bought them about a...
by FrugalInvestor
Mon Jul 15, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7623

Re: Medigap vs Advantage: Which did you select?

I think that one of the most important lessons to be drawn from this thread is that Medicare is not one thing, it varies by type of coverage - Traditional vs. Medicare Advantage and within those categories are many variations. Add to that all insurance is regulated by the states which introduces mor...
by FrugalInvestor
Mon Jul 15, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7623

Re: Medigap vs Advantage: Which did you select?

I read a couple of books, and did some research here as well. I went with Medigap. My conclusion after my reading and researching is that is boils down to a choice of cost versus flexibility. In the beginning I was thinking about going with Advantage. The agent I was working with told me I could sw...
by FrugalInvestor
Mon Jul 15, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7623

Re: Medigap vs Advantage: Which did you select?

From friends and acquaintances, I have actually heard more of such folks complaining of the limited number of primary Care physicians who will not accept new Original Medicare patients. I believe, though, that this situation varies a lot by locality or region. My understanding is also that there is...
by FrugalInvestor
Sun Jul 14, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7623

Re: Medigap vs Advantage: Which did you select?

I had a low cost PPO version of an Advantage plan the first couple of years I was on Medicare. I was very happy with it because I could go to any doctor who accepted Medicare. Then the insurance company canceled the plan, so I could switch to whatever plan I wanted without medical underwriting. The...
by FrugalInvestor
Sat Jul 13, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7623

Re: Medigap vs Advantage: Which did you select?

The basic premise of those selecting medigap seems to be so that they can retain their present doc, or go to ANY doctor. They want that choice and it is the usual rationale for going with medical. They also do not want to be constrained within a system, a network. They want what they see as complet...
by FrugalInvestor
Sat Jul 13, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7623

Re: Medigap vs Advantage: Which did you select?

Lots of good points on Medigap, but I think you should look quite carefully at the pros and cons of both Medigap and Advantage - may depend on your state, your overall health and the specific benefits offered by each. I had to make this decision earlier this year, and I chose an Advantage plan (HMO...
by FrugalInvestor
Sat Jul 13, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7623

Re: Medigap vs Advantage: Which did you select?

My choice was Traditional Medicare + Supplement (G) + Drug Plan. I wanted the largest network possible so in case of a serious illness I would have more and potentially better options for care. I wanted simplicity in billings and payment so I am not overwhelmed by paperwork should I experience a ser...
by FrugalInvestor
Wed Jul 10, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Wize Cam reviews
Replies: 23
Views: 1591

Re: Wize Cam reviews

I use them and like them a lot, especially for the price. The development team is constantly improving the software and adding features, the most recently being AI person detection to discriminate between a person or pet, etc. Of course with added features comes some added complication since Wyze al...
by FrugalInvestor
Wed Jul 10, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 87
Views: 4171

Re: Automatic Watches

The old Bulova Accutrons with tuning forks rather than balance wheels were very accurate, I know because I owned one back in the day. It may still be in my nightstand drawer but I haven't worn it or any other watch since the day I retired over 15 years ago. According to the following article an even...
by FrugalInvestor
Mon Jul 08, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: car color
Replies: 41
Views: 4071

Re: car color

what color would you order from the factory to then repaint with golden glow pearl with clearcoat? Find a really good paint shop and ask them. At the same time you can get a ballpark number for a complete re-paint. I seriously doubt that Lexus will do a custom color but it never hurts to ask. Facto...
by FrugalInvestor
Thu Jul 04, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 14468

Re: Good times: 2008 vs Now

Now is not normal. Cycles are normal. To be properly prepared be you must be mentally and financially prepared for cycles, both good and bad, so you don't become complacent during the good times nor overreactive during the bad ones. In other words as Jack often preached, have a plan and stay the cou...
by FrugalInvestor
Thu Jul 04, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: At What Age or Point in your Career did your investments start outweighing your regular paychecks?
Replies: 85
Views: 10864

Re: At What Age or Point in your Career did your investments start outweighing your regular paychecks?

In all likelihood never but it wasn't a question I asked. For me and I think for most here the critical question was "when will the income from my investments plus my other planned sources of income support the lifestyle I desire in retirement with reasonable certainty?" When the answer was "now" I ...
by FrugalInvestor
Wed Jul 03, 2019 10:40 am
Forum: Personal Investments
Topic: Did I just overlap my portfolio buying FSKAX and FZROX
Replies: 17
Views: 1014

Re: Did I just overlap my portfolio buying FSKAX and FZROX

So I'm very diversified but also very overlapped Haha. I will stay on course and either keep it or sell it or exchange. Next, I would be investing into international index fund and get more US bond and international bonds. That's already a 5-fund portfolio, but I already want to allocate more into ...
by FrugalInvestor
Tue Jul 02, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Best way to continually get SiriusXM Radio discount
Replies: 18
Views: 1359

Re: Best way to continually get SiriusXM Radio discount

Is this rate(the $60/year) for ONE radio/device only, or for multiple devices (car, home, phone, etc)? The ONE radio option is called the "Select" package, and the multiple devices package is called "All Access". Currently I see on the SiriusXM site that the $60/yr is for the Car, and the $99/yr is...
by FrugalInvestor
Tue Jul 02, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Best way to continually get SiriusXM Radio discount
Replies: 18
Views: 1359

Re: Best way to continually get SiriusXM Radio discount

Our subscription was about to expire so my wife called a few days ago after I had read a similar discussion to this one. She also ended up with the 1-year $60 'deal' which after taxes, etc. came to $70.78. They tried to do 6 months but she pushed a bit since we knew the 1-year offer was available an...
by FrugalInvestor
Sat Jun 29, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Did Retirement Spending go as You Planned?
Replies: 47
Views: 4678

Re: Did Retirement Spending go as You Planned?

Our spending was very close to plan for the first few years. We pulled back to our 'base' expenditure level (about 20% below plan) during the '08-'09 downturn and a bit beyond as the market improved. As things continued upward we adjusted our plan and we've been very close to that for the last few y...
by FrugalInvestor
Sun Jun 23, 2019 9:32 am
Forum: Investing - Theory, News & General
Topic: Attention retirement savers: college 529 plans aren't just for kids
Replies: 28
Views: 4653

Re: Attention retirement savers: college 529 plans aren't just for kids

We plan to roll them down to our kids or grandkids as needed. We contribute every year to ours and our kids to get the tax deduction. I'm confused about this statement, can you elaborate? What part is confusing? How do your kids get the tax deduction for you making a contribution to your 529? They ...
by FrugalInvestor
Sun Jun 23, 2019 12:02 am
Forum: Investing - Theory, News & General
Topic: Attention retirement savers: college 529 plans aren't just for kids
Replies: 28
Views: 4653

Re: Attention retirement savers: college 529 plans aren't just for kids

We plan to roll them down to our kids or grandkids as needed. We contribute every year to ours and our kids to get the tax deduction. I'm confused about this statement, can you elaborate? What part is confusing? How do your kids get the tax deduction for you making a contribution to your 529?
by FrugalInvestor
Sat Jun 22, 2019 7:03 pm
Forum: Investing - Theory, News & General
Topic: Attention retirement savers: college 529 plans aren't just for kids
Replies: 28
Views: 4653

Re: Attention retirement savers: college 529 plans aren't just for kids

Bacchus01 wrote:
Sun Jun 16, 2019 7:12 am
We plan to roll them down to our kids or grandkids as needed. We contribute every year to ours and our kids to get the tax deduction.
I'm confused about this statement, can you elaborate?
by FrugalInvestor
Fri Jun 14, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2693

Re: The Upper Peninsula (UP) in August....What to do, Where to stay?

samsoes wrote:
Fri Jun 14, 2019 5:26 pm
Don't forget to try trenary toast and pasties. Delicious!
.

If there's any flour in them they won't work for me, unfortunately. But that helps me keep my weight and cholesterol down. Always tradeoffs, right? 🙄
by FrugalInvestor
Fri Jun 14, 2019 2:16 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 212
Views: 22048

Re: How have your homes as investments done?

I've never tracked them closely but for 4 homes that I've owned over a period of 35 years (in the fifth now) I know I've lost money. However, two have been custom and one semi-custom which means not the most cost efficient. Also, I spend more money on my homes than many people because it's where I s...
by FrugalInvestor
Fri Jun 14, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2693

Re: The Upper Peninsula (UP) in August....What to do, Where to stay?

dcb wrote:
Fri Jun 14, 2019 9:28 am
Don't know how you are approaching the UP - coming across the Mackinaw bridge or through the Wisconsin border, but don't underestimate the size of the Upper Peninsula of Michigan.
Most likely coming north through Michigan and departing south toward Milwaukee.
by FrugalInvestor
Thu Jun 13, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2693

Re: The UP in August....What to do, Where to stay?

goblue100 wrote:
Thu Jun 13, 2019 10:25 pm
I assume by UP you mean the Upper Peninsula of Michigan?
Yes, that's the place. I've modified the subject to make it clear.

No kids involved, just my wife and I.
by FrugalInvestor
Thu Jun 13, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2693

The Upper Peninsula (UP) in August....What to do, Where to stay?

My wife and I are going to drive through the UP in mid-August. We have whatever time we need. We are active, will probably have our bicycles with us and like to hike and walk as well. We are not campers, a comfortable motel, B&B or nice cabin is our preference. As close as we've been to the UP is ta...
by FrugalInvestor
Thu Jun 13, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 29
Views: 2657

Re: Which car to buy?

Keep the car, ask again in 3-5 years +1 You love your current car, you've never had any issues with it, and it has less than 100K miles. At the rate of change in the auto industry, there is no sense speculating about some future purchase that is several years away. +2 We owned an RX330 and it was a...
by FrugalInvestor
Thu Jun 13, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11190

Re: Retired at 35 and have no friends :(

renue74 wrote:
Thu Jun 13, 2019 7:30 am
BTW, I also know some retired folks who watch reruns of Gunsmoke and chain smoke. Don't do that.
Hey, there's nothing wrong with Gunsmoke! :happy
by FrugalInvestor
Thu Jun 13, 2019 12:12 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11190

Re: Retired at 35 and have no friends :(

This is not an uncommon situation for early retirees no matter what their age and one reason that some go back to work. I retired early, although long after 35, and pursued many hobbies that I didn't have the time or energy for when I was working.
by FrugalInvestor
Thu Jun 13, 2019 12:00 am
Forum: Personal Consumer Issues
Topic: Automobile air conditioning strategy
Replies: 21
Views: 2255

Re: Automobile air conditioning strategy

I set it to 'auto' and adjust the temperature to a comfortable level and the system takes care of everything else. Oh, I also adjust the air the vents, usually upward and so the air doesn't blow directly on me.
by FrugalInvestor
Wed Jun 12, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: (Water Filtration System) Miracle we are all not dead
Replies: 61
Views: 5555

Re: (Water Filtration System) Miracle we are all not dead

If you are on municipal water as you state, then I can guarantee you that you will have not any health-based issues with chlorine residual (MRDL of 4 mg/L; monitored daily at the entry-point and throughout the distribution system); bromine (not used; not naturally-occurring); nitrate (monitored and...
by FrugalInvestor
Wed Jun 12, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: (Water Filtration System) Miracle we are all not dead
Replies: 61
Views: 5555

Re: (Water Filtration System) Miracle we are all not dead

We have terrible water. Our house has a softener which removes the calcium, primarily to protect the plumbing system, appliances, etc. We also have a reverse osmosis system under the sink with a separate faucet for drinking water (also plumbed to supply the refrigerator as well). These are both 'old...
by FrugalInvestor
Mon Jun 10, 2019 9:10 pm
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 15910

Re: Insights From a Long Call With Vanguard Reps Today

retiredjg wrote:
Sun Jun 09, 2019 9:52 am
fortyofforty wrote:
Sun Jun 09, 2019 9:44 am
But Vanguard has the Bogleheads. I don't think Fidelity has anything equivalent. Perhaps there are Fidoheads out there, of which I'm unaware.
Now that's an interesting thought. :happy
FidoFans :beer
by FrugalInvestor
Sun Jun 09, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 13572

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

If you really want to have fun driving a car and not worry about destroying your investment there are many options that will provide you with more enjoyment and less worry. A supercar will cost a small fortune to own and another to insure, maintain and operate. I'd suggest learning more about cars a...
by FrugalInvestor
Sat Jun 08, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9423

Re: Do you carry Umbrella Insurance?

Just $1 million. So far, I've been losing at the insurance game. My claims on term life, healthcare, homeowner, car, long term care, and annuity range from 0% to a tiny percentage of the premiums I've paid the insurance companies. Oh wait! I guess I should count my blessings. TravelforFun I've alwa...
by FrugalInvestor
Sat Jun 08, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9423

Re: Do you carry Umbrella Insurance?

We are retired and carry roughly net worth less protected assets.
by FrugalInvestor
Tue Jun 04, 2019 6:50 pm
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7669

Re: Do you regret taking a pay cut for quality of life?

I have always made quality of life a much higher priority than salary. I never regretted it. Think about it. What is the purpose of making more money? Quality of life. So if your quality of life is going to be better while working less and/or making less money, why would you even consider making mo...
by FrugalInvestor
Tue Jun 04, 2019 6:03 pm
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7669

Re: Do you regret taking a pay cut for quality of life?

I have always made quality of life a much higher priority than salary. I never regretted it. Think about it. What is the purpose of making more money? Quality of life. So if your quality of life is going to be better while working less and/or making less money, why would you even consider making mo...
by FrugalInvestor
Tue Jun 04, 2019 10:27 am
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7669

Re: Do you regret taking a pay cut for quality of life?

Quality of life is important, money won’t make you happy. You cannot be miserable at work and happy at home. As my position and income increased my job enjoyment decreased substantially and it became a means to an end. My home/family life is what made it tolerable for me. I tolerated it for another...
by FrugalInvestor
Sun Jun 02, 2019 12:33 am
Forum: Personal Consumer Issues
Topic: What to do with old unused laptops?
Replies: 17
Views: 1967

Re: What to do with old unused laptops?

I also remove the hard drive, physically destroy it and recycle the remainder of the machine.
by FrugalInvestor
Sat Jun 01, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 1899

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

I too am a Ryobi convert. I once purchased what I thought were the 'best' tools. Then I found Ryobi which I discovered to be the best value by far. I began with a 6 pc. starter kit well over ten years ago and have used it extensively - far beyond what a typical homeowner ever would. I still have and...
by FrugalInvestor
Sat Jun 01, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 2506

Re: Recommend a small inexpensive laser printer?

Mine's a Brother HL-L2380DW. It's nearly 3 years old and cost about $100. It's a great printer, I've never had a problem with it and toner is dirt cheap compared to ink....not to mention that it hardly ever needs to be replenished. I resisted recommendations for laser printers here (primarily Brothe...
by FrugalInvestor
Tue May 28, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance question
Replies: 5
Views: 600

Re: Health Insurance question

Chris K Jones wrote:
Tue May 28, 2019 9:30 pm
You are on the hook for any deductibles or copays but nothing else. I wouldn't pay a dime more than that.
Yes, but do make sure to pay these things as timely as billing will allow to show your good faith.
by FrugalInvestor
Tue May 28, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance question
Replies: 5
Views: 600

Re: Health Insurance question

Have you spoken to a supervisor in the hospital's billing department? They should work this out with the insurance company since it was their oversight. There's no way that you should owe the bill. If that doesn't solve the problem contact your state's insurance commissioner's office and get the bal...
by FrugalInvestor
Sun May 26, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 16940

Re: Are you on Facebook?

Yes, to keep in touch with friends and family who are spread all around the country and most of whom I wouldn't be in contact with otherwise. It improves my life in that respect. I have all of my privacy settings set very tightly so all I see is what I want to see and I'm very good at ignoring ads w...
by FrugalInvestor
Thu May 23, 2019 10:20 pm
Forum: Personal Consumer Issues
Topic: What is the best way to test drive cars?
Replies: 39
Views: 2984

Re: What is the best way to test drive cars?

Thanks for the advice. I didn't know I can choose the route to drive. I was under the impression that the salesman is the one who is dectating that! :oops: That reminds me of a funny story. I had my eye on a particular model so went to a nearby dealer to drive one. My wife and I jumped in the front...
by FrugalInvestor
Thu May 23, 2019 3:36 pm
Forum: Investing - Theory, News & General
Topic: Switching from Vanguard to Schwab
Replies: 19
Views: 2818

Re: Switching from Vanguard to Schwab

Vanguard has a patent on the structure of VTSAX which results in deferral of taxes on capital gains for the fund's investors (this may apply to other Vanguard funds, I'm not sure). See article here.... https://www.bloomberg.com/graphics/2019-vanguard-mutual-fund-tax-dodge/ For that reason and the fa...
by FrugalInvestor
Wed May 22, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Inexpensive way to gain weight
Replies: 54
Views: 2370

Re: Inexpensive way to gain weight

Here are some suggestions. The source is unknown to me but has the word "medical" it its name. :D

https://www.medicalnewstoday.com/articles/321518.php