Search found 4541 matches

by FrugalInvestor
Sun Feb 18, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 86
Views: 4023

Re: Do you wear a wedding band? [at a job interview]

I've worn mine every day - job interview or not - for 29 years. I feel very fortunate to be able to. For what reason would I have taken it off at a job interview?
by FrugalInvestor
Sun Feb 18, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 36
Views: 3016

Re: I reduced my exposure to US stocks before the correction.

Brian1995 wrote:
Sun Feb 18, 2018 1:45 pm
A crucial piece of advice of his is: "stay the course!".
What Jack means by this is have a plan and stick with it, not change when you become 'uneasy.' Allowing uneasiness to dictate the moves you make in the market often doesn't work out well.
by FrugalInvestor
Sun Feb 18, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 59
Views: 5693

Re: Amazon Alternative

You can always just Google the product you're looking for, click on the 'shopping' link and then pick whatever price/vendor combination you're comfortable with.
by FrugalInvestor
Sun Feb 18, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Anyone using the Vanguard HSA?
Replies: 5
Views: 349

Re: Anyone using the Vanguard HSA?

I WISH that Vanguard offered HSA accounts but unfortunately they don't. I suspect they don't want to get involved in the day-to-day minutiae of administering them.
by FrugalInvestor
Sat Feb 17, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: How to cancel TV and not Internet w/ Spectrum Time Warner
Replies: 18
Views: 1211

Re: How to cancel TV and not Internet w/ Spectrum Time Warner

I 'cut the TV cable' a couple of years ago. I had another option for internet so was able to just drop the cable provider altogether. However, I did learn in the process that taking my equipment to the brick and mortar location in order to cancel my service did away with all the sales pitches that c...
by FrugalInvestor
Fri Feb 16, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 82
Views: 6714

Re: Retirees: The common sense withdrawal method

We retired quite early. Since a poor sequence of returns can take a painful bite out of early retirees' investments we started with a withdrawal target which was very conservative equating to 3% or less of our portfolio value. That wasn't a hard and fast number but we stuck to it pretty closely. We'...
by FrugalInvestor
Fri Feb 16, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm - Letter Received today
Replies: 15
Views: 3373

Re: State Farm - Letter Received today

dm200 wrote:
Sat Dec 30, 2017 2:33 pm
Never received anything like that - have had homeowners with State Farm for almost 40 years.
+1 It must be related to your location. Insurance is regulated and sold state-by-state so changes, prices, coverages, etc. often aren't comparable.
by FrugalInvestor
Fri Feb 16, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 82
Views: 6714

Re: Retirees: The common sense withdrawal method

I don't know that "taking out what you need when you need it" is common sense. If you have enough that your 'needs' are aligned with portfolio sustainability over the period of your lifetime then that will work fine. If not, you're going to run into a problem and I think common sense would dictate t...
by FrugalInvestor
Fri Feb 16, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6417

Re: PSA: Bank of America now charges $12/month for checking

I'm going to try getting some of the fees reversed now that I have the account padded with $1500. - Should I just march into a branch and talk to the manager? - Or try the 'customer support' phone number? (The very thought gives me hives.... I hate BofA phone CS) Other points: - I have accounts at ...
by FrugalInvestor
Fri Feb 16, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Reality of the market being "down"...
Replies: 10
Views: 993

Re: Reality of the market being "down"...

There is always a lot of 'dooming and glooming' in the financial press which works well for advisors and firms that get paid to help people do something to 'protect' their money. Your friend is paying attention to this noise. Ironically, doing nothing would usually be much better for the financial h...
by FrugalInvestor
Fri Feb 16, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6417

Re: PSA: Bank of America now charges $12/month for checking

I'm going to try getting some of the fees reversed now that I have the account padded with $1500. - Should I just march into a branch and talk to the manager? - Or try the 'customer support' phone number? (The very thought gives me hives.... I hate BofA phone CS) Other points: - I have accounts at ...
by FrugalInvestor
Thu Feb 15, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 74
Views: 3918

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

See this link for what under/uninsured coverage covers: https://www.esurance.com/info/car/uninsured-and-underinsured-coverage From article: Quick coverage facts Used when the at-fault driver doesn't have enough (or any) liability coverage Can save you from having to pay for a car accident you didn't...
by FrugalInvestor
Thu Feb 15, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 44
Views: 5561

Re: How many of you use the "4% rule" during retirement?

My 'rule of thumb' with a 50/50 target AA (usually closer to 55/45 in actuality to avoid unnecessary cap gains) is approximately 3.5% but applied to the current portfolio value, not increased by a percentage every year. We typically stay within that number but will occasionally go over either becaus...
by FrugalInvestor
Thu Feb 15, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Simple Vanguard Deposit Question
Replies: 10
Views: 591

Re: Simple Vanguard Deposit Question

When I look at any of my mutual fund account 'current balances' page there is a 'Order investment slips' link in the upper right hand corner of the screen. Clicking on the link takes me to a page where I can order deposit slips for any of my accounts. I don't use a brokerage account so don't know ho...
by FrugalInvestor
Thu Feb 15, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6417

Re: PSA: Bank of America now charges $12/month for checking

Which BOA checking account do you have? I have a "Core Checking", free with a direct deposit each month. But I pay for check printing, and only get a $20 discount on my safe deposit each year. Your free box may be a holdover of your old relationship and subject to change. Or it may be a regional ef...
by FrugalInvestor
Thu Feb 15, 2018 12:53 am
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 69
Views: 6937

Re: Can someone help me explain to my wife...?

In your wife's defense, it does seem pretty simple and straightforward. We all know the mantra....Buy low and sell high! What's difficult is to convince someone how unlikely it is to pick the tops and bottoms in real time. First, how do you tell when the market is going to stop going up? There have ...
by FrugalInvestor
Wed Feb 14, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1390

Re: Keep crows off of chimney caps

fposte wrote:
Wed Feb 14, 2018 6:54 pm
I didn't realize bird-spike strips were so simple to obtain. I might have to strap a handyguy to a helium balloon to get them up there, but I'll make inquiries.
Go to Amazon.com or HomeDepot.com and type in "bird spike strips."
by FrugalInvestor
Wed Feb 14, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1390

Re: Keep crows off of chimney caps

Why not just attach some bird spike strips to the chimney caps with construction adhesive?
by FrugalInvestor
Sun Feb 11, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: 2 yrs to retirement - asset allocation?
Replies: 19
Views: 2189

Re: 2 yrs to retirement - asset allocation?

allisgoodintheshire wrote:
Sun Jan 28, 2018 2:19 pm
I've lived through the crash and we were wiped out once and can't afford to do it again so close to retirement. I feel current markets are overvalued.
Which 'crash' are you referring to and how were you 'wiped out?'

Following one's emotions is typically the worst enemy of successful investing.
by FrugalInvestor
Sun Feb 11, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Legal Docs
Replies: 16
Views: 1278

Re: Legal Docs

Welcome? What legal docs are you referring to? And for what purpose? Beneficiary Deed? Trust or will docs? etc? You can edit your original post with more specifics. What you want to accomplish for what? j :D This is one of the primary reasons I feel that an estate attorney is a good idea. Most of u...
by FrugalInvestor
Sun Feb 11, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Legal Docs
Replies: 16
Views: 1278

Re: Legal Docs

Some will say that LegalZoom or another similar service will work fine. Personally I wanted a local attorney who understood our state's laws to advise me on what documents are needed based on our circumstances, explain the ramifications of key decisions and prepare the related necessary documents. A...
by FrugalInvestor
Sat Feb 10, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 21
Views: 970

Re: Home printer

I continued to use a color inkjet printer for much longer than I should have. When I decided to move to a B&W laser as many recommend here my wife wanted to stay with color, but I pointed out that we can easily, quickly and cheaply upload to Costco or an online photo service for the things that requ...
by FrugalInvestor
Fri Feb 09, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Best TV options for multiple residences?
Replies: 9
Views: 505

Re: Best TV options for multiple residences?

All the above suggestions are good ones but do your research first. - Some locations work well for antennas and some don't - and an antenna won't get CNN. - Some streaming services have all the live local networks and some don't. Some don't have CNN and some do. - Some streaming services are availab...
by FrugalInvestor
Tue Feb 06, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can I withdraw HSA funds tax free if I take federal standard deduction and itemize medical expenses on state return?
Replies: 7
Views: 776

Re: Can I withdraw HSA funds tax free if I take federal standard deduction and itemize medical expenses on state return?

You absolutely can not withdraw HSA funds tax free if you have been reimbursed in any way. This would include benefiting from a reduction in state taxes. Thank you Fire Chief. I suspected that was the case and was planning to act accordingly but it's reassuring to know that I'm not missing somethin...
by FrugalInvestor
Tue Feb 06, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can I withdraw HSA funds tax free if I take federal standard deduction and itemize medical expenses on state return?
Replies: 7
Views: 776

Re: Can I withdraw HSA funds tax free if I take federal standard deduction and itemize medical expenses on state return?

I realize that I can't reimburse myself from my HSA account tax free if the expense has been itemized on my Federal return which is what I believe Publication 502 deals with. But am I also prevented from withdrawing that money tax-free if it is itemized only on my state return?
by FrugalInvestor
Tue Feb 06, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can I withdraw HSA funds tax free if I take federal standard deduction and itemize medical expenses on state return?
Replies: 7
Views: 776

Can I withdraw HSA funds tax free if I take federal standard deduction and itemize medical expenses on state return?

For background see discussion here....... https://www.bogleheads.org/forum/viewtopic.php?t=107371 If I've itemized my state taxes to take full advantage of the allowable medical deduction but have not itemized medical on my federal return (used standard deduction) can I still withdraw the amount of ...
by FrugalInvestor
Sun Feb 04, 2018 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: I've never rebalanced - Can I do ok without it?
Replies: 35
Views: 4168

Re: I've never rebalanced - Can I do ok without it?

Yes, over the long run you'll very likely do better without it IF you can keep your emotions in check.
by FrugalInvestor
Sun Feb 04, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best rule of thumb for determining home affordability?
Replies: 54
Views: 2354

Re: New conservative rule of thumb for determining home affordability (renting and buying)

This equation says nothing about whether or not you can afford the house, just the comparison about financial advantage. Also, to strengthen the comparison, you would need to increase the monthly rent yearly for as long as you choose to continue renting, just as real life landlord would do. Ralph y...
by FrugalInvestor
Sun Feb 04, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Age Related Discounts?
Replies: 20
Views: 1614

Re: Age Related Discounts?

Google the following phrase: "Companies providing senior discounts"
by FrugalInvestor
Sun Feb 04, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: How to pay off margin and not get killed on taxes
Replies: 28
Views: 2360

Re: How to pay off margin and not get killed on taxes

MAVerlous, if that's you in your profile picture I'd take it down. You're revealing personal financial information here and you don't know who might be lurking, it's the internet after all. Just my two cents.
by FrugalInvestor
Sun Feb 04, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13492

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

scdevon wrote:
Sun Feb 04, 2018 2:13 pm
Yes, but none of those doom and gloom scenarios ever materialize long term...
Until they do. Never say 'never.'
by FrugalInvestor
Sun Feb 04, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13492

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

As others have alluded to, I'm sure your perspective would change should you receive a letter stating that your pension would no longer be paid or would be substantially reduced. I, like you, retired early. I was at 60/40 stocks/bonds. I had no pension or other source of income other than my investm...
by FrugalInvestor
Sat Feb 03, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Question for 'Smart Home' Experts.....
Replies: 4
Views: 495

Re: Question for 'Smart Home' Experts.....

I have TP-Link HS100 and HS110 (energy monitoring) Smartplugs, Kasa app, iPhone, and Amazon Alexa devices. I have no problem setting a timer in the Kasa app to turn off my Smartplugs. I do this every night with the light in my bedroom-turn it on, then set a timer to turn it off in 15 or so minutes....
by FrugalInvestor
Sat Feb 03, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Question for 'Smart Home' Experts.....
Replies: 4
Views: 495

Re: Question for 'Smart Home' Experts.....

Looks like you just need to install the Kasa app and use the Timer described at bottom http://www.tp-link.com/us/faq-947.html Thanks for that. It looks like I have two problems. First, my model plug (HS105) doesn't appear to support the schedule function which is why I've been unable to find it in ...
by FrugalInvestor
Fri Feb 02, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Question for 'Smart Home' Experts.....
Replies: 4
Views: 495

Question for 'Smart Home' Experts.....

I have a circulating pump on our water heater that I have plugged into a TP-Link Smart Plug Mini to turn off and on. This is more cost efficient than using the built-in timer because our schedules are often inconsistent. Even better, I've paired the TP-Link plug with our Alexa so we can turn it on a...
by FrugalInvestor
Fri Feb 02, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 29
Views: 3565

Re: Credit for Retirees

Whatever your total spending for the year is would be legitimate. That money has to be coming from somewhere that is a source of money to pay off any credit card. (Of course for Bogleheads, who don't finance spending by going into debt.) I once asked a CSR if I should put down X $100,000's as I cou...
by FrugalInvestor
Fri Feb 02, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 29
Views: 3565

Re: Credit for Retirees

I have a minor update/data point.......... So my takeaway is, if you're one of the Bogleheads who's responsible with credit and plans to retire soon, it might not hurt to try to increase your credit limits, before retirement, within credit card families in which you might want to open a new card fo...
by FrugalInvestor
Mon Jan 29, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about leaving Ameriprise
Replies: 52
Views: 4085

Re: Thinking about leaving Ameriprise

I look at the account as business, but I know that it probably won't go over well on his end. I guess he'll get over it. It seems like Vanguard would be a good option. I trust myself to mess around with stocks, but handling my entire financial future is a little intimidating. That's why I was leani...
by FrugalInvestor
Mon Jan 29, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8694

Re: WHY do wireless routers need periodic reboots?

mouses wrote:
Mon Jan 29, 2018 7:26 am
The people who love their routers could so us all a favor and post the brand and model numbers and add if they can be set up by a brainless person.
Gootgle Wifi 3-pack. I have a 2300 s.f. house.
by FrugalInvestor
Sun Jan 28, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8694

Re: WHY do wireless routers need periodic reboots?

My router needed to be re-booted a couple of times per month or more for the years that I was a customer of Cox Cable. In the first year after I changed to local fiber optic internet provider the same router required a re-boot once, and I'm not sure it was actually the router's problem. Since changi...
by FrugalInvestor
Thu Jan 25, 2018 9:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4075

Re: Happy Birthday, Taylor!

Happy Birthday Taylor! We're very fortunate to have you, your experience and your wisdom here at Bogleheads.org. Thanks for sharing.
by FrugalInvestor
Sun Jan 14, 2018 12:03 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 10671

Re: Dave Ramsey's Millionaire Study

Dave Ramsey isn't going to change his tune because he makes money by giving his endorsement to the advisers you want him to disavow. See this page and specifically the references to 'ELPs'.... https://www.daveramsey.com/blog/millionaire-secrets Quote from page.... For more details and to find high-r...
by FrugalInvestor
Fri Jan 12, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8148

Re: Credit card keeps getting hacked, even when unused! (4x now!)

My primary card from Citi Bank allows me to use 'virtual' or temporary card numbers. Other banks offer this service but not on all cards (I have a second Citi card that doesn't offer the feature). I use a virtual card number for all online purchases or when I give a card number out verbally. It invo...
by FrugalInvestor
Thu Jan 11, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: anyone else enjoying an afternoon nap in retirement?
Replies: 19
Views: 1824

Re: anyone else enjoying an afternoon nap in retirement?

I can, but I don't want to get into the habit. I have retired friends who can't go without an afternoon nap.
by FrugalInvestor
Thu Jan 11, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 1581

Re: Kenmore Washer Dryer

I would be concerned that the warranty might not be worth much if Sears goes belly up. https://www.usatoday.com/story/money/2018/01/10/sears-ceo-eddie-lampert/1019752001/ That's my concern with anything Sears these days. We used to buy most of our appliances there but for the last couple of purchas...
by FrugalInvestor
Sun Jan 07, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2404

Re: "Sharing" Internet/WiFi with neighbors?

Concise article on the subject here..... https://www.pcworld.com/article/2079506/how-to-share-internet-service-with-your-neighbors-and-why-you-shouldnt.html From the article: You can do this, and depending on your homes' geography, it might even be relatively easy. I'm going to tell you how to do it...
by FrugalInvestor
Sat Jan 06, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2823

Re: Sling TV experiences

Vue is good I had problems with Playstation Vue. The last straw was when I was in the middle of a playoff baseball game, the screen went black and a message popped up to the effect that the game was blacked out in my area. Well, it was on Vue but it shouldn't have been. Needless to say I immediatel...
by FrugalInvestor
Sat Jan 06, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4817

Re: New Honda CRV - first oil change full synthetic?

Full synthetic (Mobil 1) is an excellent choice. Just don't let the dealer tell you that you need the change the oil any more often than the maintenance minder or manual recommends (probably every 7,500 miles or 1x per year if you drive less than that).
by FrugalInvestor
Sat Jan 06, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2823

Re: Sling TV experiences

Vue is good I had problems with Playstation Vue. The last straw was when I was in the middle of a playoff baseball game, the screen went black and a message popped up to the effect that the game was blacked out in my area. Well, it was on Vue but it shouldn't have been. Needless to say I immediatel...