Search found 4847 matches

by FrugalInvestor
Thu Oct 18, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4510

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: 103
Views: 4510

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: 103
Views: 4510

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: 103
Views: 4510

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: 998

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: 38
Views: 1814

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: 97
Views: 4689

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: 38
Views: 1814

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...
by FrugalInvestor
Wed Oct 10, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 45
Views: 5031

Re: Looking for Mazda CX-9 Feedback

Thanks El Greco.

We're on steep learning curve trying to understand and utilize all the features and tech. We're also enjoying just driving it!
by FrugalInvestor
Wed Oct 10, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 38
Views: 1814

Re: Route-66 trip recommendations

There are many books that will guide you along the entire route. We've used Road Trip USA on many of our cross country driving trips concentrating on different routes each time. It helps us find the local attractions that we would otherwise miss. I highly recommend it or one of the related specialty...
by FrugalInvestor
Tue Oct 09, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 577
Views: 85286

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I wouldn't buy one until I know they have a solution that is proven to work. That will take awhile. I'm sure others feel differently.
by FrugalInvestor
Tue Oct 09, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 577
Views: 85286

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

And a new article from Autoweek about the problem and interim 'fixes.' https://autoweek.com/article/car-news/some-honda-cr-v-owners-are-reporting-stalling-low-engine-power?utm_source=DailyDrive20181009&utm_medium=enewsletter&utm_term=headline-center&utm_content=body&utm_campaign=awdailydrive We cons...
by FrugalInvestor
Mon Oct 08, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2776

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

A long-used saying is "the market climbs a wall of worry." In other words, as long as the prevailing sentiment is that the market is about to fall it continues to go up. It's when widespread euphoria sets in that it often crashes. Of course it's only a saying and may or may not apply at any particul...
by FrugalInvestor
Sun Oct 07, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 45
Views: 5031

Re: Looking for Mazda CX-9 Feedback

Thank you all for your feedback. It was very helpful. After continuing to look, read and compare we settled on a '19 Mazda CX-9 and purchased it today. The 2019 added a few new features that were important to us including Android Auto (and Apple CarPlay), ventilated seats and more safety systems amo...
by FrugalInvestor
Thu Oct 04, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2060

Re: AARP UnitedHealthCare Plan G

It seems that most if not all posters in this thread are praising plan G over Plan F. Any opinions to the contrary and why? There has been a lot of previous discussion about plans F and G on this board. A search will bring them up. Here's a fairly recent one.... https://www.bogleheads.org/forum/vie...
by FrugalInvestor
Thu Oct 04, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2060

Re: AARP UnitedHealthCare Plan G

Semes that all insurers in a given market area essentially offer the same Plan G coverage, and actual payment is determined by CMS and not the insurer. Therefore, with the exception of future premium increases, unless there’s a real difference in others aspects of how the policy is administered I s...
by FrugalInvestor
Wed Oct 03, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2060

Re: AARP UnitedHealthCare Plan G

I've had AARP/UHC Plan G for about 1-1/2 years. Unfortunately I've used it extensively in that time. I chose the plan at the recommendation of my agent after much discussion. I resisted because after joining AARP many years ago I had to fight for years to stop the deluge of junk mail from them. As a...
by FrugalInvestor
Tue Oct 02, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Finding a contractor for built-in bbq grill installation
Replies: 5
Views: 348

Re: Finding a contractor for built-in bbq grill installation

Plumbers do it here. Actually handymen do it too but they shouldn't. I believe that a gas company inspection should be done at the appropriate point during the install as well.
by FrugalInvestor
Sun Sep 30, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5938

Re: How to tell contractor you don't plan to pay him.

It may be worthwhile to call GAF and ask them to send a rep to talk with you in person and inspect the job.
by FrugalInvestor
Sun Sep 30, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5938

Re: How to tell contractor you don't plan to pay him.

They botched the starter course, not even sure they used one. Can lift the shingles 8" to 12" in places. So that's not good. With the wet installation, I can't risk losing the lifetime warranty on the shingles themselves. We are expecting our first freeze any day now and there's not been enough war...
by FrugalInvestor
Sun Sep 30, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5938

Re: How to tell contractor you don't plan to pay him.

The fact that other roofers working at the same time in the same neighborhood stopped work and covered their roofs with tarps speaks volumes.
by FrugalInvestor
Sat Sep 29, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 18
Views: 2026

Re: Looking for advice on whether to participate in Deferred Compensation Plan

I chose not to participate in my company's DCP not because I carefully weighed the pros and cons but because I didn't fully understand the possible ramifications other than reduced tax in the short-term. I think I innately understood that it wasn't a good idea to invest in something I didn't underst...
by FrugalInvestor
Sat Sep 29, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 44
Views: 12672

Re: Vanguard: Transition to our new investment platform

The statements are different - the one thing that I dislike is that the December statement is not a total summary of the year, as the old mutual fund format. That I believe was my primary objection. The year-end statement is the only statement I retain (on paper) for the long-term and in the mutual...
by FrugalInvestor
Fri Sep 28, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 44
Views: 12672

Re: Vanguard: Transition to our new investment platform

I also received something similar years ago. As I recall I converted but was very unhappy with the format of the new statements. They too much more paper and were somewhat convoluted compared to the old ones. I called, told the rep. that I disliked the new format and asked if I could change back. I ...
by FrugalInvestor
Fri Sep 28, 2018 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 44
Views: 12672

Re: Vanguard: Transition to our new investment platform

No message here but I do not have a brokerage account, only mutual funds.
by FrugalInvestor
Thu Sep 27, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3454

Re: Good flip flops

Olukai makes good looking and very supportive flip flops. I need good arch support, have difficult to fit feet, and have experienced plantar fasciitis. Olukai are the only flip flops I've found that I can wear.
by FrugalInvestor
Tue Sep 25, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Which type of Primary Care Physician?
Replies: 54
Views: 4170

Re: Which type of Primary Care Physician?

I choose an internist. However, I also know that my PCP deals with a lot of elderly patients which I will inevitably become.
by FrugalInvestor
Tue Sep 25, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5967

Re: Oil change interval for low-mileage vehicles

+1000 to the chorus of recommendations to FOLLOW THE MANUAL. Ford spent millions of dollars on thousands of college educated professionals engineering your car. You really thing the guy in blue coveralls on the corner knows better than they do? This applies to dealers too. Dealers are notorious for...
by FrugalInvestor
Tue Sep 25, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5967

Re: Oil change interval for low-mileage vehicles

Follow the manufacturer's recommendation. Most newer vehicles will calculate when the oil should be changed based upon actual driving conditions and display that recommendation on the instrument panel somewhere. Mine shows me % of oil life remaining. If yours has that, use it. It's more accurate tha...
by FrugalInvestor
Mon Sep 24, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4803

Re: 2019 ACA prices out

HoosierJim wrote:
Mon Sep 24, 2018 5:00 pm
Don't worry - lawsuits on both sides of the issue are going through the courts.
Actually that is what worries me.
by FrugalInvestor
Mon Sep 24, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11649

Re: Did you really have something to retire to?

I have many hobbies and interests that I couldn't pursue or pursue to the degree I would have liked while working. Now work doesn't get in the way of those things and hasn't for 15 years. I haven't been bored for a moment in retirement and marvel at those who can't find anything to do with their tim...
by FrugalInvestor
Sun Sep 23, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1922

Re: Mom needs hip revision: how can I fight on her behalf?

Every healthcare institution I have worked for has actively tried to control payer mix, it is just a reality. If you think this is bad, It is really crazy what they do in smaller private practices! Taking out the ethics of equal access to healthcare, it does make sense. If there were two groups of ...
by FrugalInvestor
Sun Sep 23, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1922

Re: Mom needs hip revision: how can I fight on her behalf?

I'm assuming that you mom in on Medicare. If so, this may explain Mayo's response.... http://www.startribune.com/mayo-to-pick-privately-insured-patients-amid-medicaid-pressures/416185134/ From article: Mayo Clinic’s chief executive made a startling announcement in a recent speech to employees: The R...
by FrugalInvestor
Sat Sep 22, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3713

Re: How to get rid of rabbits

These are very effective if you position them well..... https://www.amazon.com/Scarecrow-Motion-Activated-Animal-Repellent/dp/B01MF8Y2O4/ref=asc_df_B01MF8Y2O4/?tag=hyprod-20&linkCode=df0&hvadid=198059943785&hvpos=1o3&hvnetw=g&hvrand=16596046919280602029&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvloc...
by FrugalInvestor
Sat Sep 22, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6506

Re: My Very First Smartphone — Please Critique This Plan

In my opinion you'll be just as happy with a 'lower' end phone as long as it's a good one. My wife and I have both been using smart phones for years and we both use Moto X4s on Project Fi. We came from iPhones but she is a much heavier user than I am. It took her a little while to adapt but she is n...
by FrugalInvestor
Sat Sep 22, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6506

Re: My Very First Smartphone — Please Critique This Plan

I haven't read the entire thread but noticed that Google Fi has been mentioned. It's a great service that both my wife and I use. The first user is $25/month (second is $15/month) plus actual data used at $10/Gb. We use data when we need it but we're mindful of not using it unnecessarily when we're ...
by FrugalInvestor
Fri Sep 21, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

I'd wait six months and sell it in the spring if you find it's working out for you not to have a car. You could suspend all but comprehensive insurance coverage while it's parked but I'm not sure about doing that when it's not your own garage. Ask your insurance company about that. I told my insura...
by FrugalInvestor
Fri Sep 21, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

I'd wait six months and sell it in the spring if you find it's working out for you not to have a car. You could suspend all but comprehensive insurance coverage while it's parked but I'm not sure about doing that when it's not your own garage. Ask your insurance company about that.
by FrugalInvestor
Thu Sep 20, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Another Wifi extender thread
Replies: 39
Views: 2889

Re: Another Wifi extender thread

There are a couple of $30 extenders here. I don't have any personal experience with them.

https://www.monoprice.com/search/index? ... e+extender
by FrugalInvestor
Wed Sep 19, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Patio furniture covers
Replies: 8
Views: 753

Re: Patio furniture covers

I also use the Classic Accessories covers. I buy them on Amazon (see link below) at reasonable prices . They have a 3-year warranty that's easy to exercise. https://www.amazon.com/s/ref=nb_sb_ss_i_3_8/130-4471969-9377342?url=search-alias%3Daps&field-keywords=veranda+patio+furniture+cover&sprefix=ver...
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: 42
Views: 5879

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: 1254

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: 1829

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: 60
Views: 4007

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: 60
Views: 4007

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: 1400

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: 27
Views: 2881

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: 7333

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: 2393

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: 6880

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...