Search found 4889 matches

by FrugalInvestor
Fri Dec 14, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: Having the self-discipline to stay the course -- do you take pride in it?
Replies: 16
Views: 1051

Re: Having the self-discipline to stay the course -- do you take pride in it?

I don't think I take pride in it but I am thankful that Bogleheads taught me the value of doing nothing instead of doing something. I like the idea of getting paid for what I don't do! :D
by FrugalInvestor
Mon Dec 10, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 127
Views: 15330

Re: LED light bulbs

If you're seeing a high failure rate on LED bulbs, you probably have fixtures that are not a good match for them. In my case I had a high initial failure rate but once those bulbs were replaced (same brand of bulb from same source replaced within a couple of months of the originals) the failure rat...
by FrugalInvestor
Mon Dec 10, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 127
Views: 15330

Re: LED light bulbs

I have had 6 or 8 of the Costco FEIT bulbs burn out prematurely. I have been using them for about two years now. I am curious are you returning them to Costco or warranting them through FEIT? I have been going to FEIT to get my replacements. I took mine back to Costco and exchanged for a new bulb(s...
by FrugalInvestor
Mon Dec 10, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 127
Views: 15330

Re: LED light bulbs

I have had 6 or 8 of the Costco FEIT bulbs burn out prematurely. I have been using them for about two years now. I am curious are you returning them to Costco or warranting them through FEIT? I have been going to FEIT to get my replacements. I took mine back to Costco and exchanged for a new bulb(s...
by FrugalInvestor
Sun Dec 09, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 127
Views: 15330

Re: LED light bulbs

read somewhere before (and can't find it now) that mercury in once CFL bulb is enough to poison water in a small lake Here's an article on the subject by the Environmental Defense Fund..... http://blogs.edf.org/climate411/2007/07/31/cfl_mercury-2/ Quote from article... The phrase "contains mercury"...
by FrugalInvestor
Sat Dec 08, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 127
Views: 15330

Re: LED light bulbs

Update on my Costco Feit brand LED bulbs after about 4 years. I experienced a fairly high failure rate within a month or so of initial installation. Since the bulbs were purchased at Costco there was no problem returning the defective ones and getting replacements. Once the failed bulbs were replace...
by FrugalInvestor
Fri Dec 07, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 58
Views: 4010

Re: portable jump starters

I also have one that I purchased at Costco a couple of years ago. I've noticed them in the store recently on sale for $50 or less. I've used mine to jump my own cars as well as another guy's in a parking lot. It works very well. My wife has also used it to power her phone. It's light enough to carry...
by FrugalInvestor
Thu Dec 06, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Three Funds for Retirement Years
Replies: 8
Views: 1178

Re: Three Funds for Retirement Years

I've been retired for 15 years and have held a 3-fund or 2-fund portfolio for most of that time. It has been very tax efficient for me but this will vary somewhat depending upon your mix of taxable to tax deferred accounts and how that compares to your desired asset allocation. I'm 50/50 for both so...
by FrugalInvestor
Wed Dec 05, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 32
Views: 2798

Re: Does new Fidelity Individual HSA charge a monthly account fee?

How would I pay medical bills from my Fidelity HSA? Debit card? Checks? Are there fees for these things? Or do I just pay the the bills and then reimburse my checking from the Fidelity HSA account? Or something else? You can request a debit card to directly pay bills from the HSA. However, some fol...
by FrugalInvestor
Tue Dec 04, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 32
Views: 2798

Re: Does new Fidelity Individual HSA charge a monthly account fee?

How would I pay medical bills from my Fidelity HSA? Debit card? Checks? Are there fees for these things? Or do I just pay the the bills and then reimburse my checking from the Fidelity HSA account? Or something else? You can request a debit card to directly pay bills from the HSA. However, some fol...
by FrugalInvestor
Tue Dec 04, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 32
Views: 2798

Re: Does new Fidelity Individual HSA charge a monthly account fee?

How would I pay medical bills from my Fidelity HSA? Debit card? Checks? Are there fees for these things? Or do I just pay the the bills and then reimburse my checking from the Fidelity HSA account? Or something else? My employer provided account provides a debit card. That is the easiest way to use...
by FrugalInvestor
Tue Dec 04, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 32
Views: 2798

Re: Does new Fidelity Individual HSA charge a monthly account fee?

How would I pay medical bills from my Fidelity HSA?
Debit card? Checks? Are there fees for these things?
Or do I just pay the the bills and then reimburse my checking from the Fidelity HSA account?
Or something else?
by FrugalInvestor
Sat Dec 01, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: HSA employee contributions subject to FICA?
Replies: 42
Views: 2855

Re: HSA employee contributions subject to FICA?

2. You are required to save your receipts for ever (in case of audit). Not if you, like nearly everyone not on this forum, pay your medical bills with the account as you get them. This is what I do and then the excess is saved/invested. If used for future medical expenses it will be tax-free, if no...
by FrugalInvestor
Sat Dec 01, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: HSA employee contributions subject to FICA?
Replies: 42
Views: 2855

Re: HSA employee contributions subject to FICA?

See here.... https://www.shrm.org/resourcesandtools/hr-topics/benefits/pages/hsa-tax-benefits.aspx From article.... “I personally believe the best way to make contributions is through payroll deductions,” said Lindgren, citing the resulting tax advantages. Under that approach, contributions are tax-...
by FrugalInvestor
Fri Nov 30, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 720
Views: 50936

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

I was just on the phone with Fidelity and have been told that there is no fee reimbursement. :( Is everybody here being told something different? No. Read back in this thread. Yes. I did. A saw many people who were told fees would be reimbursed. Some were told above $25K transfers, many different r...
by FrugalInvestor
Fri Nov 30, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 720
Views: 50936

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

schildi wrote:
Fri Nov 30, 2018 4:24 pm
I was just on the phone with Fidelity and have been told that there is no fee reimbursement. :(
Is everybody here being told something different?
No. Read back in this thread.
by FrugalInvestor
Thu Nov 29, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 38
Views: 4115

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

Jordan4FI wrote:
Thu Nov 29, 2018 2:12 pm
Do not get caught up in paying for more than what you really need. Most people pay for a service that could cover a mid size buisness
+1
And your internet provider will always be more than happy to upgrade you if necessary - and maybe give you a deal to boot.
by FrugalInvestor
Sun Nov 25, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Unsatisfactory Hotel Experience
Replies: 27
Views: 2939

Re: Unsatisfactory Hotel Experience

Yes, you should complain. In my experience an honest and legitimate complaint will often but certainly not always result in some sort of compensation, but I don't complain expecting that. I complain because the service provider needs to be made aware of the situation, otherwise future customers will...
by FrugalInvestor
Wed Nov 21, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 720
Views: 50936

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

What process did you go through with Fidelity to initiate the transfer? I opened a new HSA account online through the Fidelity website. Then I followed the procedure to initiate a transfer of assets (they call it a TOA) online, it autopopulated my information on a pdf form that I printed out and si...
by FrugalInvestor
Wed Nov 21, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 720
Views: 50936

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

I am transferring my HSA from Health Savings Administrators to Fidelity. I spoke to a rep at Health Savings Administrators yesterday and she said that when they get the transfer request from Fidelity, they will liquidate my investments to cash and transfer the cash to Fidelity. Fee amount? Removed ...
by FrugalInvestor
Wed Nov 21, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 720
Views: 50936

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

I am transferring my HSA from Health Savings Administrators to Fidelity. I spoke to a rep at Health Savings Administrators yesterday and she said that when they get the transfer request from Fidelity, they will liquidate my investments to cash and transfer the cash to Fidelity. Fee amount? Removed ...
by FrugalInvestor
Wed Nov 21, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: Opinion Required
Replies: 41
Views: 2416

Re: Opinion Required

I think you think that you know too much.
by FrugalInvestor
Wed Nov 21, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 28
Views: 1819

Re: Which cars can be unlocked and started from a smart phone?

FWIW, some of the apps I've read about that do this are clumsy and slow to use.
by FrugalInvestor
Tue Nov 20, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?
Replies: 14
Views: 1954

Re: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?

It's always okay to put money into the market provided you're planning to keep it there for the long term. If you're planning to jump in and out, it's a terrible idea.
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: 720
Views: 50936

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: 720
Views: 50936

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: 32
Views: 2209

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: 38
Views: 4115

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: 7227

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: 3669

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: 1983

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: 4805

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: 6528

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: 1714

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: 2690

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: 3363

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: 7237

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: 7237

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: 7237

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: 76
Views: 10255

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: 3143

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: 6110

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: 8672

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: 8672

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: 8672

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: 8672

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: 1066

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: 2311

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: 5710

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: 2311

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...