Search found 4808 matches

by FrugalInvestor
Mon Sep 17, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 39
Views: 4655

Re: Thinking of Retiring at 52, Please Critique Plan

A few things to think about. This comes from someone who retired at about the age you are planning and has been retired for 15 years..... You'll may very well end up wanting to spend more than you think in retirement. It's hard to project because you really don't know what your expenses will be with...
by FrugalInvestor
Sat Sep 15, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Staying with the old platform Mutual Funds
Replies: 12
Views: 1166

Re: Staying with the old platform Mutual Funds

I was asked to switch a long time ago....like years ago. As a matter of fact I think I was switched, didn't like the new format and then the following occurred. I called and told the rep that I liked mutual fund only platform better, would never own individual stocks or ETFs, and that I only own Van...
by FrugalInvestor
Fri Sep 14, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: New Light bulbs
Replies: 19
Views: 1704

Re: New Light bulbs

Most of our lights are the recessed can type and I used Feit 2700k LEDs from Costco. I also used Feit bulbs in our bathroom fixtures. They have a very slight buzz when dimmed but less than another brand I tried. I purchased my bulbs nearly 4 years ago so I'm sure that even the same brand of bulb has...
by FrugalInvestor
Tue Sep 11, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 59
Views: 3427

Re: How often do you guys get alignment done on your cars?

mariezzz wrote:
Tue Sep 11, 2018 7:11 pm
...there was a slight pull to one side & could have an alignment done if I wanted, but not really necessary.
Cars are often aligned to pull slightly to the left. This compensates for roads being crowned in the center for water drainage.
by FrugalInvestor
Tue Sep 11, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 59
Views: 3427

Re: How often do you guys get alignment done on your cars?

My car has 112,000 miles and has never been aligned. It tracks well on the road and the tires have always worn evenly (I have them rotated every 7,500 miles or so which equates to about 2x per year). I got 70,000 miles out of my first set of tires and have over 50,000 on this set so far. My last veh...
by FrugalInvestor
Tue Sep 11, 2018 1:45 am
Forum: Investing - Theory, News & General
Topic: Value of Vanguard's Allocation Chart? Putting the present in a larger context? Or ???
Replies: 12
Views: 1342

Re: How close are your 12 month earnings compared to Vanguard's Allocation Chart?

I'm 56% equities (Total Stock Market), 38% bonds (Total Bond Market) and 6% short-term reserves and my 12 month return as reported by Vanguard is 10.4%. This is about equal to the 10.3% for 100% stock in Vanguard's historical chart.
by FrugalInvestor
Mon Sep 10, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: IRS: Great customer service?
Replies: 26
Views: 2563

Re: IRS: Great customer service?

I recently received one of those letter too.....unfortunately it was the day before we were leaving for a 3+ week vacation. :oops: Not wanting to worry about it while we were gone or have to rush to respond when we returned I pulled out my 2016 tax file and pretty quickly realized that the Roth rech...
by FrugalInvestor
Sun Sep 09, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7061

Re: Anyone else playing catch-up in their 40's?

It seems most of the ppl here started saving diligently in their 20's or 30's....are there others here who didn't "wake up" like me until they were in their 40's or beyond? Just curious. My rough timeline playing catch-up.... 20's - 0 savings 30's - very minimal 401k savings 40's - maxing all (401k...
by FrugalInvestor
Sun Sep 09, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2340

Re: What performance to expect from central AC?

Here's some good information on how and where the temperature drop should and shouldn't be measured. If you're working with the installer it may help you confirm that they are giving you valid measurements.

https://inspectapedia.com/aircond/Air_C ... atures.php
by FrugalInvestor
Sat Sep 08, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 6753

Re: Cell phone tip: block callers

Get a phone number in a very different area code, other state. I have this set-up because I moved and then found how hard it would be to change to the new area (2FA's etc) and just left it as the old one. This was 4 years ago and has turned out to be great. All these robo callers that spoof my "are...
by FrugalInvestor
Sat Sep 08, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2340

Re: What performance to expect from central AC?

It sounds like the unit is either not sized properly or not installed properly. I don't know how you're going to determine which it is as this should be the job of the company that sold it to you. You know that it's not cooling the house properly and that it needs to be fixed - that's all you need t...
by FrugalInvestor
Sat Sep 08, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Attic Insulation Over Plywood Floor?
Replies: 10
Views: 1135

Re: Attic Insulation Over Plywood Floor?

I agree with Chip. I'd give the contractor the go ahead.
by FrugalInvestor
Fri Sep 07, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Attic Insulation Over Plywood Floor?
Replies: 10
Views: 1135

Re: Attic Insulation Over Plywood Floor?

I agree that as long as the insulation under the plywood is tight to the bottom of the plywood that laying additional insulation on top should be fine. The plywood should add a little insulating value itself. Not much, but a little. If there's any question about the lack of space between the top of ...
by FrugalInvestor
Thu Sep 06, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2559

Re: How do you handle Healthcare costs in retirement

I'm curious on how others on this board are handling healthcare costs in retirement. Specifically two questions; (1) For those on Medicare, do you find you need supplemental insurance and is it expensive ? (2) For those retiring earlier than 65 , not on medicare but possibly enrolling in ACA, do yo...
by FrugalInvestor
Wed Sep 05, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: My recent experience with buying custom window blinds
Replies: 27
Views: 2590

Re: My recent experience with buying custom window blinds

We've had Hunter Douglas in our last 3 homes and have been extremely pleased with them. They're not cheap, but they are very high quality and the customer service is outstanding. The house we're in now had a previous owner who purchased the Hunter Douglas blinds. When we moved in they were about 9 y...
by FrugalInvestor
Tue Sep 04, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9374

Re: How to "waste" money on groceries?

The organic rule we "follow" is: if you can taste the difference, then the organic version is worth it. If the products are "worth it" to you then by definition it's not a "waste" to spend the extra on them. I agree with the earlier poster who said that the title to this thread should be changed. T...
by FrugalInvestor
Mon Sep 03, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2350

Re: Medicare Open Enrollment Period Coming Soon

another factor with "satisfaction" (in my opinion) is how various folks fully utilize the features and benefits of their plan. One reason DW and I are happy with ours is that we both (especially me) try to learn and use all the features of our plan - for BOTH lower costs AND better care (lower risk...
by FrugalInvestor
Mon Sep 03, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: "Ten Things You Should Know About Index Fund Investing"
Replies: 9
Views: 2158

Re: "Ten Things You Should Know About Index Fund Investing"

I've been around Bogleheads and invested in Vanguard mutual funds for a long time but the following one confuses me a bit (bolding is mine)..... Mutual funds have to pay out capital gains distributions (which are taxed) while ETFs do not. As a result, it is slightly more tax-efficient to invest in E...
by FrugalInvestor
Mon Sep 03, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6673

Re: Walmart is not Amazon

WalMart bought Jet.com in 2016 for $3 billion plus $300 million in WalMart stock to help them improve their online game. It seems to be helping some but as a customer I'd be hard pressed to figure out where the $3,300,000,000 of value is. Maybe it's mostly in back-end savings. Unfortunately after th...
by FrugalInvestor
Mon Sep 03, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6673

Re: Walmart is not Amazon

After you type in a search on WalMart.com you can filter the resulting items. One of the filters on the left-hand side of the screen is "Retailer" and one of the choices under that is "WalMart.com". Choosing this will limit the results to items sold by WalMart so refunds/returns will be handled in-s...
by FrugalInvestor
Sun Sep 02, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: What to look for when investing?
Replies: 12
Views: 955

Re: What to look for when investing?

Don't bother looking at the details of individual stocks. Choose solid broadly diversified mutual funds (or etfs) and look at costs, the lower the better. Develop a plan following Boglehead principles that incorporates these funds and stick with it.

See the Wiki link above for complete details.
by FrugalInvestor
Sun Sep 02, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Wet & Forget for roof algae?
Replies: 13
Views: 1778

Re: Wet & Forget for roof algae?

I used to have a north wall of my house with horzontal Hardi-Board siding that would discolor with algae. When I sprayed it each year with Wet and Forget it disappeared and stayed looking great as long as I re-sprayed once per year. The siding never showed any signs of damage. I also purchased it at...
by FrugalInvestor
Sun Sep 02, 2018 2:43 am
Forum: Investing - Help with Personal Investments
Topic: Questions for those that set up a trust
Replies: 5
Views: 785

Re: Questions for those that set up a trust

Ours is a revokable trust. Most of our physical assets are titled in the name of the trust. Our son is the trustee. He and our granddaughter will inherit most of our remaining assets after both of us pass. Our attorney gave us the details about how our investment assets should be handled but I don't...
by FrugalInvestor
Sat Sep 01, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6814

Re: Daily Driver (Car) Over 100K Miles?

Our current daily driver (an Acura) has about 112,000 and we're getting ready to replace it. Our last one (a Lexus) had 140,000 when we traded it in. Both required only routine preventative maintenance (which I do myself), tires and brakes during that time. We typically get tired of our vehicles bef...
by FrugalInvestor
Sat Sep 01, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Car Painting
Replies: 22
Views: 1402

Re: Car Painting

"That'll rub out" is an often used inside joke of car enthusiasts when meaning that there's no way it will, but in your case it could be true. If it's just yellow paint on top of your existing paint rather than a scratch through the paint (which isn't uncommon) it very well may rub out. You can buy ...
by FrugalInvestor
Sat Sep 01, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 29090

Re: Umbrella insurance..who has it? Is it recommended?

Here's a Forbes article on reasons for carrying umbrella insurance, how much to consider carrying and why...... https://www.forbes.com/sites/ashleaebeling/2012/03/05/the-1-fear-being-sued-but-shun-umbrella-insurance/#448f691a6166 From the article..... Don’t skimp on coverage. Coverage at least equal...
by FrugalInvestor
Sat Sep 01, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4140

Re: Shingrix [Vaccine availability]

The first shot for both my wife and I were no big deal, just sore arms and a little tiredness the day after. The second shot was the same for my wife but for me the night and day after I felt rotten! I'm glad I had nothing planned. I was exhausted, had sore muscles and very bad headache. I couldn't ...
by FrugalInvestor
Sat Sep 01, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3198

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

I think you'll save time and money creating a Google mesh network. Or are you looking at this as a hobby? Plus, it should increase the value of the house. Unfortunately, it will not. There will be a $0 gain in value. I agree, especially since the new mesh wifi systems like Google Wifi are now so go...
by FrugalInvestor
Sat Sep 01, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay ACA subsidy back
Replies: 7
Views: 741

Re: How to pay ACA subsidy back

navyitaly wrote:
Sat Sep 01, 2018 11:51 am
Just do an Estimated Tax Payment online.
I would choose that route due to our previous experience (which according to our insurance broker was not an isolated one).
by FrugalInvestor
Sat Sep 01, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: How to pay ACA subsidy back
Replies: 7
Views: 741

Re: How to pay ACA subsidy back

I may have the situation where my adjusted gross will exceed the ACA subsidy limit for the year for a 4 person family. Initially, it did not look likely and my estimated adjusted gross looked to be around 85 K but it looks like it will exceed 110K putting me far beyond the limit of 97K. I want to p...
by FrugalInvestor
Thu Aug 30, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 55
Views: 6323

Re: Has Anyone Tried Youtube TV?

may want to make sure it works on your 'device' before signing up, giving a CC number etc. I have a Roku and every app works on it (Netflix, PlaystationVue, Hulu, the Youtube app etc)....BUT, when installing the YoutubeTV app- it won't launch on my Roku. Tried installing/uninstalling, system update...
by FrugalInvestor
Thu Aug 30, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3127

Re: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting

Mitchell777 wrote:
Thu Aug 30, 2018 7:17 pm
So if you start Medicare in Sept using Supplemental Plan G you pay the $183 deductible if you use medical services in remainder of 2018. Then the $183 must be paid again in 2019 if you use medical services. Is that correct?
Yes, the deductible resets every calendar year.
by FrugalInvestor
Thu Aug 30, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3127

Re: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting

Final answer- once the part B deducible is met for the calendar year your good - it makes no difference if paid by consumer or insurance company. Along those lines, when I first went on Medicare my agent learned that UHC/AARP was lowering their rates on plan G (the plan that I wanted) a few months ...
by FrugalInvestor
Thu Aug 30, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3127

Re: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting

I don't see plan J on the plan comparison charts. Is that because it isn't a "modern" plan. Plan J was done away with (in 2010 I believe). When I was discussing plan G vs. F with my broker his comment was that he hadn't seen any particularly large increases in J premiums since it was dropped. I wen...
by FrugalInvestor
Thu Aug 30, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4140

Re: Shingrix [Vaccine availability]

My wife and I got our 1st Shingrix shots just over 2 months ago at our local WalMart pharmacy (my part D drug plan is Humana Walmart because I take no maintenance medications). We checked back about a week ago at the 2 month point and were put on a waiting list for our second shots. Today we receive...
by FrugalInvestor
Wed Aug 29, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 4354

Re: Chipotle question

What meat do you get? I used to get the chicken but lately it has been too gristly. Not sure why. Sometimes I don't think they cook it enough also. I recently swithed to steak or Barbacoa beef. Could be this. It's becoming much more common. We've definitely noticed it in chicken we've purchased at ...
by FrugalInvestor
Wed Aug 29, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3127

Re: UHC/AARP Switching Medigap F---> G Underwriting

According to my understanding, you can change from any Medicare Supplemental plan (eg. F) to and other Medicare Supplemental plan that has less coverage (eg. G doesn't cover the deductible) without having to go through underwriting. That is one reason most people start with plan F--so that they can...
by FrugalInvestor
Wed Aug 29, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Well, that was an expensive lesson (FA related)
Replies: 19
Views: 2888

Re: Well, that was an expensive lesson (FA related)

Thats a cheap lesson (assuming it sticks) not expensive. I want to cry when I add up what I've paid these guys (who really didn't have a clue what they were doing) That is what I found interesting. This fellow asserted knowledge in an area (social secuity) when he was deficient. He came across as k...
by FrugalInvestor
Wed Aug 29, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Well, that was an expensive lesson (FA related)
Replies: 19
Views: 2888

Re: Well, that was an expensive lesson (FA related)

funny you should ask https://www.bogleheads.org/forum/viewtopic.php?t=6212 Does someone like myself post all the data requested and simply ask the question re Insurance Trusts Social secirty claiming and so forth? This seems like a lot to ask of the community but I am game if this is a viable route...
by FrugalInvestor
Wed Aug 29, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Well, that was an expensive lesson (FA related)
Replies: 19
Views: 2888

Re: Well, that was an expensive lesson (FA related)

Some subjects require a specialist, not a generalist. In my opinion one of those is wills and trusts. Look for a good attorney who specializes in wills and trusts and is located in your area to guide you through the decision process, identify, create and explain the proper documents and be available...
by FrugalInvestor
Tue Aug 28, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 6463

Re: Unique Phone Apps that you find yourself using most often?

Probably the most useful for us is the Amazon Alexa app and specifically the 'Lists' function (not the default Amazon list but custom lists. We've created multiple lists, one for each store we typically shop at - Costco, Safeway, Home Depot, etc.). Anytime we think of something we need we just say "...
by FrugalInvestor
Mon Aug 27, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3052

Re: How often do you change your HVAC filters?

I use two sets of filter during the summer (May-Sept) when our A/C runs most of the day and much of the night and one set each during the fall, winter and spring seasons. So five sets of filters for the full year in a hot climate. I could probably get by with four sets since in spring and fall our s...
by FrugalInvestor
Mon Aug 27, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4140

Re: Shingrix [Vaccine availability]

Does one have to be at least 65 to get the insurance to pay for this vaccine? My wife is under 60 and her Shingrix was paid for by her ACA policy. I am over 65 and mine was not paid for by my Medicare Part D plan because I had not yet met my $405 deductible. The CDC recommends that adults over 50 r...
by FrugalInvestor
Sun Aug 26, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 59
Views: 4236

Re: Decided on Chromebook, now need spec help

where or does the Chromebook run java so I can see the real-time stock streaming .i have heard pretty soon chrome book run windows 10 dual running is it true or Not sure but you may be able to get the functionality you're looking for by using an Android app. Most newer Chromebooks will allow Androi...
by FrugalInvestor
Sun Aug 26, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 59
Views: 4236

Re: Decided on Chromebook, now need spec help

looking wrote:
Sun Aug 26, 2018 3:39 pm
whi have heard pretty soon chrome book run windows 10 dual running is it true or
See here:
https://www.theverge.com/2018/8/13/1768 ... t-campfire

Appears to be a rumor at this point.
by FrugalInvestor
Sun Aug 26, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Inverted yield
Replies: 8
Views: 745

Re: Inverted yield

yousha wrote:
Sun Aug 26, 2018 4:36 pm
A signal that a downturn is inevitable.
A downturn is always inevitable.
by FrugalInvestor
Sun Aug 26, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: WiFi Router - Netgear AC750 or something better?
Replies: 24
Views: 1230

Re: WiFi Router - Netgear AC750 or something better?

If your experience is anything like mine (hope so) you'll be very happy that you went with Google Wifi. I would have recommended that you go with 3 pucks but if you find anywhere in your house that the signal is degraded you can always add another one.

Enjoy your new wifi!
by FrugalInvestor
Sun Aug 26, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 59
Views: 4236

Re: Decided on Chromebook, now need spec help

Here's a good article on things to consider when Chromebook shopping including how long individual models will be supported (chart included), recommended CPUs, etc.... https://www.androidpolice.com/2018/08/26/look-buying-chromebook/ And another article on useful apps for Chromebooks. Apps are making...
by FrugalInvestor
Sat Aug 25, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5039

Re: Do you go for annual Medicare preventive tests and screening?

Yeah, except those folks in their fifties may turn 65 before they can find anyone who has it. :| :oops: :P There has been a nationwide shortage. Here in the boondocks my pharmacist has no idea when they will get another shipment of the stuff. https://www.washingtonpost.com/news/to-your-health/wp/20...
by FrugalInvestor
Sat Aug 25, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Sheraton Kauai timeshare
Replies: 35
Views: 3802

Re: Sheraton Kauai timeshare

We've done this quite often in the past, but only if our time was worth the "gift". However, don't plan on it being "only 90 minutes"!! In our experience, to get out of there in 90 minutes required us to be, in my opinion, rude. And we normally aren't rude people. If they're selling their pitch as ...