Search found 4554 matches

by FrugalInvestor
Wed Feb 21, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 17
Views: 488

Re: Recessed 4 inch LEDs: Recommended brands

arsenalfan wrote:
Wed Feb 21, 2018 5:32 pm
They do not generate any heat.
Yes they do, this was a fallacious claim made about LED bulbs when they first appeared on the market but it is not true. It is also not true that they don't attract bugs. They do produce significantly less heat.
by FrugalInvestor
Wed Feb 21, 2018 9:03 pm
Forum: Investing - Theory, News & General
Topic: Will Emerging China Change Things for Domestic Investing?
Replies: 9
Views: 285

Re: Will Emerging China Change Things for Domestic Investing?

It wasn't that long ago that the fear was of Japan taking over the world and specifically the U.S. economically. Personally I'll go with Jack and Warren and bet on the U.S.
by FrugalInvestor
Wed Feb 21, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 17
Views: 488

Re: Recessed 4 inch LEDs: Recommended brands

I have Feit 2700k bulbs in all the recessed fixtures as well as others throughout my home. Most are on dimmers. I am very happy with the bulbs themselves and the color which changes very little as they are dimmed. I tried the whiter (higher k) bulbs and didn't like them at all. Of course your taste ...
by FrugalInvestor
Wed Feb 21, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 157
Views: 14349

Re: Ordering a Weber grill this week

I had purchased a Weber cover for my Genesis. It did not last very long, so I no longer bother with a cover. I'm interested in buying a new Genesis this spring. I read where they are now no longer manufactured in the U.S., but in China. The upscale Genesis, think it's the Lx model or something, sti...
by FrugalInvestor
Wed Feb 21, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 82
Views: 3062

Re: What UN-frugal thing do you do?

Things. A nice everyday vehicle, a nice home and a 'fun car'. None are extravagant but all are relatively new and comfortable. The first two are where we spend the lion's share of our time so they are our priority. The 'fun car' is simply that.
by FrugalInvestor
Wed Feb 21, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 65
Views: 4726

Re: Sams Club vs Costco

As far as contact lenses, I've never found Costco to be competitive (although we buy a LOT of other stuff there). I typically shop online for the cheapest price (with online coupon discounts) and then ask 1-800 Contacts to price match which they always do providing the price found is from a legitim...
by FrugalInvestor
Wed Feb 21, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Cedar Roof
Replies: 18
Views: 765

Re: Cedar Roof

Cedar roofs aren't what they used to be. In the days when old-growth cedar was commonly harvested only the very rot-resistant heartwood was used for cedar shingles/shakes. Now that very little old-growth is available for harvest they are mostly from sapwood which will not last nearly as long. There ...
by FrugalInvestor
Wed Feb 21, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 65
Views: 4726

Re: Sams Club vs Costco

Also with Costco items will be rotated out frequently, so from time to time a product you are used to purchasing will no longer be available. Big plus for Costco & Sams, contact lenses online are cheaper then anywhere else by quite a bit. FYI, we've learned that employees with a terminal at the fro...
by FrugalInvestor
Tue Feb 20, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Furnace Setting for Vacation
Replies: 22
Views: 1148

Re: Furnace Setting for Vacation

We used to leave our home unoccupied for 3-4 months in the winter and I would set the thermostat at 55 degrees. I always had a way to monitor the temperature in the house in case something happened so I didn't come home to an unpleasant and very expensive surprise. If you're only leaving for a few d...
by FrugalInvestor
Tue Feb 20, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 44
Views: 4643

Re: Staying Motivated: How do you ward off hopelessness?

I've gone from hero to zero financially more than once in my lifetime but I never felt hopeless. In looking back I think that remaining flexible and not beating myself up over my mistakes were the keys. I was willing to change jobs, change locations and even change my standard of living substantiall...
by FrugalInvestor
Tue Feb 20, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 65
Views: 4726

Re: Sams Club vs Costco

If you like what Sam's has to offer you should shop at Sam's. It really makes no difference what others think. As this discussion points out, you may put completely different weights on the factors influencing how a retailer is rated. If you don't like crowds, Sam's definitely has a leg up on Costco.
by FrugalInvestor
Tue Feb 20, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: Gorilla Tape for Labels?
Replies: 14
Views: 886

Re: Gorilla Tape for Labels?

I use a P-touch label maker and the their tape to label plastic totes in my garage. Many of the labels have been on for ten or more years with no signs of deterioration. The last 4 years have been in a climate where the garage reaches 120 degrees or more in the summer.
by FrugalInvestor
Mon Feb 19, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Adviser said I made a big mistake switching 403b to Aspire??
Replies: 19
Views: 1451

Re: Adviser said I made a big mistake switching 403b to Aspire??

I think you've likely made a mistake by buying load funds through an adviser in the first place.
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: 157
Views: 8733

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: 39
Views: 3849

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: 5776

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: 378

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: 1231

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: 122
Views: 9966

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: 3393

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: 122
Views: 9966

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: 6503

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: 1004

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: 6503

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: 76
Views: 4251

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: 68
Views: 7930

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: 598

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: 6503

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: 80
Views: 8839

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: 1409

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: 1409

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: 2201

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: 1298

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: 1298

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: 980

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: 507

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: 779

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: 779

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: 779

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: 4190

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: 2371

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: 1622

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: 2369

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: 13542

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: 13542

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: 497

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: 497

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: 497

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: 3568

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: 3568

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...