Search found 5531 matches

by FrugalInvestor
Fri Aug 07, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming Strategy - Best Calculator?
Replies: 5
Views: 533

Re: Social Security Claiming Strategy - Best Calculator?

Thanks for all the information. I had seen Mike Piper's calculator mentioned here, as a matter of fact I recall when he was posting and asking for input as it was in development. Thanks for reminding me and directing me to it. I am a bit confused by the results that the calculator provided. I am 8 y...
by FrugalInvestor
Thu Aug 06, 2020 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming Strategy - Best Calculator?
Replies: 5
Views: 533

Social Security Claiming Strategy - Best Calculator?

I'm in the process of planning my and my wife's social security claiming strategies. I think I know what is going to work best (or at least well) for us, but I also know that I don't understand all the nuances of how the calculations work or, for that matter, what all the rules are! So I'm looking f...
by FrugalInvestor
Thu Aug 06, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: My gym is reopening - are you going back to yours?
Replies: 42
Views: 1757

Re: My gym is reopening - are you going back to yours?

I am not going to the gym. I purchased a treadmill for my home instead and am doing resistance exercises at home for upper body. The gym is an enclosed area with quite a few people. In addition to that most of those people are breathing heavily which puts more of their breath into the air. It doesn'...
by FrugalInvestor
Wed Aug 05, 2020 10:02 am
Forum: Personal Investments
Topic: MM fund alternatives
Replies: 11
Views: 915

Re: MM fund alternatives

I went to mainly no penalty CDs (Marcus Bank). Online savings accounts at Ally Bank or similar are also an option.
by FrugalInvestor
Wed Aug 05, 2020 9:30 am
Forum: Investing - Theory, News & General
Topic: When and how often do you rebalance?
Replies: 51
Views: 2362

Re: When and how often do you rebalance?

I've been retired for a number of years and use dividends plus withdrawals from equities for living expenses. My stock/bond allocation is 50/50. My portfolio is TSM/TBM, so 2-fund (I had a small amount of TISM but liquidated it over time through withdrawals). I went from 60/40 to 50/50 during the 20...
by FrugalInvestor
Tue Aug 04, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: Another Toilet Question
Replies: 20
Views: 1736

Re: Another Toilet Question

It's possible. It's also possible that the flange, floor or tiles are out of level or uneven. Pulling the toilet bowl and taking a look will likely reveal the problem whether it's one of these reasons or something else. There are wax rings that are made to take provide a better seal if things don't ...
by FrugalInvestor
Mon Aug 03, 2020 9:56 pm
Forum: Personal Consumer Issues
Topic: Comparing HVAC replacement quotes
Replies: 10
Views: 726

Re: Comparing HVAC replacement quotes

I'm not an HVAC expert but I used one at the Holiday Inn Express last night. :D Seriously, I'm not an expert but I did go through the process a couple of years ago. We focused on talking to the various bidders about what we liked and mostly didn't like about our current system (compressor noise, rus...
by FrugalInvestor
Sun Aug 02, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 134
Views: 5544

Re: What Car Maintenance Do You Do?

All the Bogleheads but me must live in Lake Woebegon since everyone seems to have a trusted mechanic. I haven't had a trusted mechanic since 1987--and I have looked! I have had shops where I was satisfied with their work--until I wasn't. Dealers, big independent shops, little shops--it doesn't matt...
by FrugalInvestor
Sun Aug 02, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 134
Views: 5544

Re: What Car Maintenance Do You Do?

I have a Tesla. I give it a car wash on occasion. You may want to do a bit more than that.... Recommended Maintenance Service Cabin Air Filter Your Tesla is equipped with an air filter that prevents pollen, industrial fallout, road dust and other particles from entering through the vents. Tesla rec...
by FrugalInvestor
Sun Aug 02, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 134
Views: 5544

Re: What Car Maintenance Do You Do?

I do almost all of it myself. The fear of a car falling on you is not irrational. More people should take that seriously. A young fellow I used to work with had his car fall on him. Took a long time before someone found him. He survived but was never the same. Died a year later - various organ fail...
by FrugalInvestor
Sun Aug 02, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 134
Views: 5544

Re: What Car Maintenance Do You Do?

I usually change my own oil (using ramps) & check/add other fluids, check tire wear and add air when needed, and replace air and cabin filters and windshield wiper blades. I usually have the dealer or an independent mechanic flush and refill the brake fluid, replace brake pads/rotors, replace timing...
by FrugalInvestor
Sun Aug 02, 2020 1:02 pm
Forum: Investing - Theory, News & General
Topic: Are Financial Advisors a Complete and Total Waste of Money?
Replies: 153
Views: 8635

Re: Are Financial Advisors a Complete and Total Waste of Money?

In theory a financial advisor can be helpful and worth the fees charged. The trick is finding the one who is. Seriously, if you don't want to understand and deal with your finances (many I know don't but really appreciate the annual dinner, golf game, flowers or flavored popcorn) then it may be bett...
by FrugalInvestor
Sun Aug 02, 2020 10:22 am
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 44
Views: 3566

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

Vanguard warned me that they would be discontinuing check-writing, and I will let them do that. The first time, I wanted to keep it active because I intended to write one very large check to pay off my mortgage. Instead, I transferred the cash to my checking account and wrote a check from the check...
by FrugalInvestor
Sat Aug 01, 2020 8:55 pm
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 54
Views: 4408

Re: Cyclists...where are you getting your masks?

I have a hard enough time walking through the parking lot in 90-118 degrees with a mask. Couldn't imagine working out in a mask. My running has been mask-free so far. I hear ya, honestly the last few times I’ve been biking I’m seeing more and more bikers wearing them. I’m starting to feel self cons...
by FrugalInvestor
Sat Aug 01, 2020 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Car Windshield Cracked [Insurance coverage]
Replies: 17
Views: 1545

Re: Car Windshield Cracked

Broken windshields for me are covered under comprehensive (subject to deductible) and I can choose to add glass coverage for an extra charge. It turned out to be cheaper for me to just lower my comprehensive deductible to zero. I did that because my windshield has lots of expensive technology built ...
by FrugalInvestor
Sat Aug 01, 2020 2:56 pm
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 44
Views: 3566

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

quantAndHold wrote:
Sat Aug 01, 2020 2:13 pm
I wrote a check on my Vanguard account. In 2005. Early 2005.

I finally shredded the checkbook earlier this year.
You'll need to write another one tomorrow.
by FrugalInvestor
Fri Jul 31, 2020 11:27 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11048

Re: Does a couple really "need" an SUV?

We don't need a SUV but we find it to be more comfortable, convenient and versatile and so we have one anyway.
by FrugalInvestor
Fri Jul 31, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: infrared or Propane patio heaters
Replies: 11
Views: 493

Re: infrared or Propane patio heaters

The standard 'hat' style propane heaters are much better at warming people than the pyramid style. With the pyramids the heat all just goes up whereas the hat style reflects it back down. The hat style are also cheaper. Costco often has fairly high quality ones for around $150.
by FrugalInvestor
Fri Jul 31, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: best mesh wifi system on the market?
Replies: 50
Views: 3404

Re: best mesh wifi system on the market?

I have the original Google Wifi and like it a lot. I understand that Eero and some of the others may be more configurable, but similar to investments I like my wifi simple so don't miss being able to customize it. There are some settings but I don't use them other than passwords.
by FrugalInvestor
Fri Jul 31, 2020 3:16 pm
Forum: Personal Consumer Issues
Topic: Buying a new car using Costco
Replies: 42
Views: 4337

Re: Buying a new car using Costco

Costco has pre-negotiated price, but similar services are now available from TrueCar, Edmunds etc. What are the relative merits of Costco, TrueCar, and Edmunds? Both of my credit unions use TrueCar and apparently offer a slightly better loan rate if you use TrueCar. Edmunds and Truecar are referral...
by FrugalInvestor
Fri Jul 31, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: cost of Mazda CX-5 Touring?
Replies: 69
Views: 3829

Re: cost of Mazda CX-5 Touring?

tibbitts wrote:
Fri Jul 31, 2020 9:35 am
I would not have guessed white as having an upcharge either.
It's not a flat white, it has a very fine metal flake undertone that shows up in the sun.
by FrugalInvestor
Fri Jul 31, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: cost of Mazda CX-5 Touring?
Replies: 69
Views: 3829

Re: cost of Mazda CX-5 Touring?

Following this thread as I test drove a couple CX-5's pre-pandemic. econprof: curious about your comment re: white driving up the price. I know white is popular but haven't heard this before. Did a dealer tell you this or other? Any other light colors e.g. silver that have a higher price? I am cons...
by FrugalInvestor
Thu Jul 30, 2020 11:02 pm
Forum: Personal Consumer Issues
Topic: Buying a new car using Costco
Replies: 42
Views: 4337

Re: Buying a new car using Costco

I did a test run with the Costco program when we purchased a new Mazda a couple of years ago. In that case the dealer I was referred to didn't really have a Costco program price, it just seemed to be a way to get you in the door. I ended up shopping numerous dealers via e-mail and did not end up buy...
by FrugalInvestor
Thu Jul 30, 2020 10:56 pm
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 44
Views: 3566

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

Yes, I have checkwriting privileges on my Vanguard Brokerage Account. Specifically I have checkwriting on my TIRA settlement fund. However, since I seldom have funds in my settlement fund, I have added an alternative redemption fund, my Short-term Treasury Index fund. Close enough to cash for me. I...
by FrugalInvestor
Thu Jul 30, 2020 9:13 pm
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 44
Views: 3566

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

Our new checks that we just received within the last month for our brokerage account say nothing about a minimum amount. Our old ones that they replaced did state the $250 minimum.
by FrugalInvestor
Thu Jul 30, 2020 5:45 pm
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 44
Views: 3566

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

Yes, I have checkwriting privileges on my Vanguard Brokerage Account. Specifically I have checkwriting on my TIRA settlement fund. However, since I seldom have funds in my settlement fund, I have added an alternative redemption fund, my Short-term Treasury Index fund. Close enough to cash for me. I...
by FrugalInvestor
Thu Jul 30, 2020 12:12 pm
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 44
Views: 3566

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

Yes, I have checkwriting privileges on my Vanguard Brokerage Account. Specifically I have checkwriting on my TIRA settlement fund. However, since I seldom have funds in my settlement fund, I have added an alternative redemption fund, my Short-term Treasury Index fund. Close enough to cash for me. I...
by FrugalInvestor
Wed Jul 29, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Where is best place to have engagement ring professionally cleaned?
Replies: 20
Views: 1364

Re: Where is best place to have engagement ring professionally cleaned?

....and also check to ensure stone setting is still in good shape... Having the setting checked occasionally is even more important than having the ring cleaned. A loose setting is how you lose a diamond as they come loose over time. Checking the setting is something a jewelry store will typically ...
by FrugalInvestor
Mon Jul 27, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: cost of Mazda CX-5 Touring?
Replies: 69
Views: 3829

Re: cost of Mazda CX-5 Touring?

My hesitation is just that the lowest price (again, 10% lower than most of the other prices) is so much lower that I honestly just feel... suspicious and worried. When I’ve quoted the really low otd to some of the other dealers, they haven’t even tried to bargain // they’ve just said “if you have t...
by FrugalInvestor
Mon Jul 27, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 351
Views: 43836

Re: Don't pay full price for SiriusXM radio

I just called to cancel my subscription a few weeks ago. I had to try on two separate days due to hold time. The first day I gave up after 40 minutes of being on hold. The second day I was only on hold for about 15 minutes and they kept giving better and better prices I think they're last offer wor...
by FrugalInvestor
Mon Jul 27, 2020 12:08 pm
Forum: Personal Investments
Topic: 23 Year Old / First Job / Trying to get finances in order
Replies: 23
Views: 1478

Re: 23 Year Old / First Job / Trying to get finances in order

I'm wondering about dividends though. How do taxes work for dividends that were reinvested? Thanks. Dividends (re-invested or not) are taxed as ordinary income along with salary/wages, interest, etc. Unless they are qualified dividends (many index fund dividends are), in which case they are taxed v...
by FrugalInvestor
Mon Jul 27, 2020 11:30 am
Forum: Personal Investments
Topic: 23 Year Old / First Job / Trying to get finances in order
Replies: 23
Views: 1478

Re: 23 Year Old / First Job / Trying to get finances in order

Kudos to you being aware of this stuff ahead of most young people. That's truly great and I commend you! My advice is to just WATCH your spending habits. Don't be a crazed cheapskate, as that's no good, but be watchful of the lifestyle creep as you get older. Big stuff like new cars, recurring mont...
by FrugalInvestor
Mon Jul 27, 2020 11:19 am
Forum: Personal Investments
Topic: 23 Year Old / First Job / Trying to get finances in order
Replies: 23
Views: 1478

Re: 23 Year Old / First Job / Trying to get finances in order

abump96 wrote:
Mon Jul 27, 2020 10:36 am
I'm wondering about dividends though. How do taxes work for dividends that were reinvested? Thanks.
Dividends (re-invested or not) are taxed as ordinary income along with salary/wages, interest, etc.
by FrugalInvestor
Mon Jul 27, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 351
Views: 43836

Re: Don't pay full price for SiriusXM radio

We have the $60/yr plan and only listen to it through our car radio.
by FrugalInvestor
Mon Jul 27, 2020 12:22 am
Forum: Personal Investments
Topic: 23 Year Old / First Job / Trying to get finances in order
Replies: 23
Views: 1478

Re: 23 Year Old / First Job / Trying to get finances in order

Your investments are much too complicated. Right now it may seem like fun and sophistication. As time goes on you'll find it to be irritating to try and keep things in line with your overall target asset allocation (you need one). Simplifying and rationalizing your investments now will save you much...
by FrugalInvestor
Sun Jul 26, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a property in central Florida a good idea or not
Replies: 49
Views: 4341

Re: Buying a property in central Florida a good idea or not

All the problems of long distance landlording aside (and there are many) you don't even know that you would want (or be able to) be in Florida in ten or more years. If you did, you may not want to be in the area you're looking out now. Things change. I wouldn't do it.
by FrugalInvestor
Sun Jul 26, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Advice from retirees: do you need a project or do you 'play it by ear'?
Replies: 36
Views: 2293

Re: Advice from retirees: do you need a project or do you 'play it by ear'?

I find that most people who ask me to do things for them either.... 1. Don't want to make the physical effort to do it. 2. Don't want to make the mental effort to figure out how to do it. 3. Don't want to go through the hassle of finding a qualified professional to do it. 4. Don't want to pay for it...
by FrugalInvestor
Sat Jul 25, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: Family expanding - Time for a 3 row SUV
Replies: 69
Views: 3607

Re: Family expanding - Time for a 3 row SUV

We own a 2019 CX-9 Grand Touring (GT) that we purchased new and are very happy with. It's an all-around great vehicle. We've had it for nearly 3 years and 25,000 miles with no issues, just regular maintenance. If a CX-9 ends up being a likely final choice I'd highly recommend driving one first. The ...
by FrugalInvestor
Sat Jul 25, 2020 10:05 pm
Forum: Personal Consumer Issues
Topic: How to remove mold?
Replies: 13
Views: 1305

Re: How to remove mold?

Bleach will likely be the most effective at getting rid of it. Wet and Forget after the bleach has done its job should keep you from having to mess with it again in the longer term.
by FrugalInvestor
Sat Jul 25, 2020 6:49 pm
Forum: Personal Investments
Topic: Irritating $0.01 left in settlement fund
Replies: 21
Views: 1878

Re: Irritating $0.01 left in settlement fund

tealeaves wrote:
Sat Jul 25, 2020 6:43 pm
jebmke wrote:
Sat Jul 25, 2020 5:54 pm
I've had ~ 12 cents in my settlement fund for years. Eventually it will earn enough interest to roll to 13 cents. I'm building a little nest egg there.
+1. Take advantage of the power of compounding to double in 60-70 years. Just my 2 cents.


He just tripled his money!
by FrugalInvestor
Sat Jul 25, 2020 6:27 pm
Forum: Personal Investments
Topic: Irritating $0.01 left in settlement fund
Replies: 21
Views: 1878

Re: Irritating $0.01 left in settlement fund

Can you just hide the account or fund with the $.01 on your 'account overview' page through the 'customized view' link?
by FrugalInvestor
Fri Jul 24, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Bank autocancelled my cc - should I drop the bank?
Replies: 21
Views: 2317

Re: Bank autocancelled my cc - should I drop the bank?

Apparently this is a common occurrence since Covid has raised its ugly head.... https://money.yahoo.com/banks-close-credit-cards-and-slash-credit-limits-amid-the-pandemic-survey-finds-170739834.html From article: As the economic fallout of the pandemic continues to unfold, banks are rushing to close...
by FrugalInvestor
Fri Jul 24, 2020 11:17 am
Forum: Personal Investments
Topic: All VTWAX, with bonuses into small caps?
Replies: 11
Views: 562

Re: All VTWAX, with bonuses into small caps?

You had me at....... finally finding my footing and understanding with confidence that I know nothing (if that makes sense). Have settled on 80% VTWAX and 20% total bond fund (the latter all within retirement accounts) for our automated weekly contributions and 401k contributions. But then you had t...
by FrugalInvestor
Fri Jul 24, 2020 9:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard Updates 10y expected Returns
Replies: 17
Views: 2602

Re: Vanguard Updates 10y expected Returns

To the "stay the course" crowd, Do these estimates matter to you? They are of interest to me but I will not be motivated to do anything differently with regard to my investments. My investing plan is not predicated on future returns. I may end up withdrawing a bit less from my portfolio down the ro...
by FrugalInvestor
Tue Jul 21, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: Duct Cleaning- Your Thoughts
Replies: 37
Views: 2247

Re: Duct Cleaning- Your Thoughts

It's my understanding the that the most highly efficient (at filtering small particles) filters are not good for your system. They restrict the airflow which makes it less efficient and can damage the blower. I used to use filters with very high MERV ratings and lost a blower on a relatively new sy...
by FrugalInvestor
Tue Jul 21, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: Duct Cleaning- Your Thoughts
Replies: 37
Views: 2247

Re: Duct Cleaning- Your Thoughts

RudyS wrote:
Tue Jul 21, 2020 12:59 pm
Unusual for hvac ducts to be flexible. So, I assume OP meant dryer ducts.
Flexible, insulated metal ducting is very common for HVAC systems and probably more common in some parts of the country than others.

https://www.theductshop.com/shop/catalo ... c-1_2.html
by FrugalInvestor
Tue Jul 21, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Duct Cleaning- Your Thoughts
Replies: 37
Views: 2247

Re: Duct Cleaning- Your Thoughts

It's my understanding the that the most highly efficient (at filtering small particles) filters are not good for your system. They restrict the airflow which makes it less efficient and can damage the blower. I used to use filters with very high MERV ratings and lost a blower on a relatively new sys...
by FrugalInvestor
Tue Jul 21, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: Duct Cleaning- Your Thoughts
Replies: 37
Views: 2247

Re: Duct Cleaning- Your Thoughts

DaftInvestor wrote:
Tue Jul 21, 2020 9:31 am
Not sure what Duct you are talking about - if it's a dryer duct they are easy enough to clean yourself. I take off the outside cover and use a brush on a long wire designed for the purpose yearly to pull any lint out. Could also use a shop-vac.


Heating and A/C ducts for forced air systems.
by FrugalInvestor
Mon Jul 20, 2020 11:10 pm
Forum: Personal Consumer Issues
Topic: Duct Cleaning- Your Thoughts
Replies: 37
Views: 2247

Re: Duct Cleaning- Your Thoughts

I would be concerned about the cleaning process doing damage to the ductwork (i.e. causing leakage at connections). If filters have been changed at all regularly I seriously doubt there is any need and even if they haven't been I'd need to see some proof. Our home is 15 years old and located in a du...