Search found 5049 matches

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: 26
Views: 3990

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: 26
Views: 3990

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: 26
Views: 3990

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: 2623

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: 213
Views: 21505

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: 2623

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: 2623

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: 2623

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: 2595

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: 10849

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: 10849

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: 2198

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: 5388

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: 5388

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: 74
Views: 12026

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: 13238

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: 9104

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: 9104

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: 7377

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: 7377

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: 7377

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: 1939

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: 1864

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: 2442

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: 593

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: 593

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: 16698

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: 2943

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: 2795

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: 2324

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
by FrugalInvestor
Mon May 20, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11321

Re: Should I encourage my kids to work in high school/college?

Where a teenager finds out where they don't want to end up, or who they don't want to be, or are inspired to achieve. :D This is a big one that I failed to mention. I had one job in particular that made a huge impression on me......that I didn't ever want to have to do that kind of work for the res...
by FrugalInvestor
Mon May 20, 2019 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11321

Re: Should I encourage my kids to work in high school/college?

In my case having a job through high school and most of college taught me at least as much as my school. With the exception of about one year I kept my grades up but that was not the fault of work, it was lack of motivation. I took stock, changed my priorities and ended up with an excellent gpa. I p...
by FrugalInvestor
Sun May 19, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Good quality sneakers for someone with foot issues?
Replies: 37
Views: 3058

Re: Good quality sneakers for someone with foot issues?

I have hard-to-fit (13N) feet and had a go-around about 10 years ago with plantar fasciitis. I wore New Balance at the time but have since switched to Brooks since. I currently wear the Brooks Addiction 13 model along with insoles and have been very pleased with them. Of course what works for me my ...
by FrugalInvestor
Mon May 13, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Does geico provide a decent homeowners insurance?
Replies: 15
Views: 4198

Re: Does geico provide a decent homeowners insurance?

I got a quote for auto and homeowners from Geico about 3 years ago. Their combined quote was good but the homeowners was through a small company out of Wisconsin, I believe, that I'd never heard of. To get the multi-line discount which made it a competitive bid I needed to purchase both. I decided t...
by FrugalInvestor
Mon May 13, 2019 8:33 pm
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 10682

Re: What is your U.S./ex-U.S. stock allocation?

100% U.S.

I once had a small percentage of Int'l but decided it wasn't enough to make a difference so simplified to a 2-fund portfolio.
by FrugalInvestor
Mon May 13, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Internet speed recommendation
Replies: 26
Views: 1560

Re: Internet speed recommendation

10-20 mbps is plenty for streaming Netflix and Hulu. If you want to stream UHD (4K) you would probably want 30-40 mbps at a minimum. Otherwise, the extra bandwidth is only useful for downloading large files (faster) or sharing the connection with multiple devices at once. https://help.netflix.com/e...
by FrugalInvestor
Mon May 13, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 65
Views: 13064

Re: Home Air Filters

How is your hvac designed such that you need 4 filters (in a residence?) Are you filtering the same air at multiple points? Obviously some huge houses do need 4 or more filters, but I'm guessing those homeowners have a lot more expensive issues than paying $240/year for filters. Not OP, but I have ...
by FrugalInvestor
Mon May 13, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Leaving My CPA
Replies: 22
Views: 2451

Re: Leaving My CPA

You could easily acquire TT 2018 and put in all your info, seeking to match what he filed for you in 2018. If you get close or match it, then you've got a handle on it. After retiring and my preparer jacking up their price this is exactly what I did. I input all my information into TurboTax in para...
by FrugalInvestor
Sun May 12, 2019 9:28 am
Forum: Personal Investments
Topic: Meeting with broker need help
Replies: 24
Views: 2194

Re: Meeting with broker need help

I inherited the broker from my parents along with their portfolio. I owe him the courtesy of a meeting, if only to say good bye. It's very common to see comments like this on this board. Most people want to treat others as they would want and expect to be treated which is admirable. The problem is ...
by FrugalInvestor
Sat May 11, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Drill well today or drill well later?
Replies: 26
Views: 2140

Re: Drill well today or drill well later?

A lot of things can change over time, especially if it turns out to be 15 years. I'd wait until the project is a definite go.
by FrugalInvestor
Thu May 09, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Cutting the cord with U-verse....Questions.
Replies: 17
Views: 1304

Re: Cutting the cord with U-verse....Questions.

Of course, download rates can vary (from what your ISP states) and I wouldn't cut it too close. For this purpose I take the opposite approach.....start with a reasonable speed but not much more than you think you actually need. The ISP will be more than happy to increase your speed if it turns out ...
by FrugalInvestor
Thu May 09, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Cutting the cord with U-verse....Questions.
Replies: 17
Views: 1304

Re: Cutting the cord with U-verse....Questions.

What I read indicates that a typical stream requires between 1.5Mbps and 5Mbps depending upon quality of the video. I have 15Mbps service (fiber optic service so I always achieve that or slightly better) and have never had a problem with two concurrent streams plus other devices running at the same ...
by FrugalInvestor
Wed May 08, 2019 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 7682

Re: Walk away from my auto lease?

I did not abuse it. I've been fighting this but I don't want to go to court and I'm getting nervous about my credit. I don't know what else to do. I'm trying to be practical. On what basis are they claiming that you abused the transmission? Do they have some sort of physical indication that they're...
by FrugalInvestor
Sun May 05, 2019 3:53 pm
Forum: Investing - Theory, News & General
Topic: What is my current Social Security Benefit/PIA?
Replies: 19
Views: 2459

Re: What is my current Social Security Benefit/PIA?

KlangFool wrote:
Sun May 05, 2019 3:50 pm
Folks,

Please test whether you can download this file.

https://drive.google.com/file/d/1tjptO2 ... sp=sharing

KlangFool
It opened right up for me.
by FrugalInvestor
Sun May 05, 2019 11:34 am
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 36
Views: 3767

Re: Boglehead investing through a major downturn

I did not continue to contribute because I couldn't, I was already (early) retired. I did rebalance most of the way to my target asset allocation but I couldn't bring myself to go all the way to it. I took that as a sign that that my target allocation was too aggressive and have kept it at the more ...
by FrugalInvestor
Sun May 05, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Just Bought an Annuity
Replies: 149
Views: 11843

Re: Just Bought an Annuity

If RMD is similar to annuity payments, I see no difference in asset protection. Do you have a source for this? A SPIA provides a guaranteed stream of income. RMD's do not. If the market tanks, an RMD can drop. Also, they aren't really "required," just heavily penalized if not withdrawn. I believe t...
by FrugalInvestor
Wed May 01, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8716

Re: My solar investment experience

One item I have not seen mentioned here has anyone had to remove and replace their panels to redo their roof? I have seen some numbers online as high as $6K extra :shock: :shock: I considered solar at one point and could never get a good answer to this, I think because it's not convenient for the s...
by FrugalInvestor
Wed May 01, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8716

Re: My solar investment experience

willthrill81 wrote:
Wed May 01, 2019 6:28 pm
It's only been in the last few years that the cost per kWh has dropped to the point that it may make financial sense for those who (1) pay high rates for electricity and (2) get copious amounts of sunshine.
And (3) are highly subsidized.
by FrugalInvestor
Wed May 01, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: Is factor-based small-value/Fama-French tilting worth it?
Replies: 101
Views: 5922

Re: Is factor-based small-value/Fama-French tilting worth it?

Do you think that some investors are good candidates to bear tilt risk or that it is a pretty universally bad idea because the benefit is so uncertain or small? The latter. Plus as you've mentioned already you give up the monetary (i.e. taxes) and psychological (i.e. ease of portfolio management = ...