Search found 4633 matches

by FrugalInvestor
Wed May 23, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Asset Class Forecasts
Replies: 36
Views: 1723

Re: Asset Class Forecasts

It doesn't matter what the market might do because it might do anything. What matters is what you do as the market gyrates which it inevitably will. Your emotions and whether you act on them is the enemy and the most important thing you can do is be comfortable enough with your asset allocation tha...
by FrugalInvestor
Wed May 23, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Asset Class Forecasts
Replies: 36
Views: 1723

Re: Asset Class Forecasts

If you like spending your time trying to predict the market have at it. Chances are it won't help your investments in the long run. Chances are that it will hurt them. But in the meantime you'll be able to sound very intelligent to your friends who believe that there are those with superior knowled...
by FrugalInvestor
Wed May 23, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Best buy and hold vanguard fund forever...
Replies: 28
Views: 2590

Re: Best buy and hold vanguard fund forever...

Post deleted. Missed OP was referring to a Roth IRA.
by FrugalInvestor
Wed May 23, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Asset Class Forecasts
Replies: 36
Views: 1723

Re: Asset Class Forecasts

Whatever. If you like spending your time trying to predict the market have at it. Chances are it won't help your investments in the long run. Chances are that it will hurt them. But in the meantime you'll be able to sound very intelligent to your friends who believe that there are those with superi...
by FrugalInvestor
Wed May 23, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Asset Class Forecasts
Replies: 36
Views: 1723

Re: Asset Class Forecasts

Whatever. If you like spending your time trying to predict the market have at it. Chances are it won't help your investments in the long run. Chances are that it will hurt them. But in the meantime you'll be able to sound very intelligent to your friends who believe that there are those with superio...
by FrugalInvestor
Wed May 23, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Just had windows installed..one of them with scratches..
Replies: 12
Views: 1052

Re: Just had windows installed..one of them with scratches..

I noticed that in the Third World replacing glass is quite trivial, in cost and effort. You call a window fabricator (it's not a particularly highly skilled job) and he comes to measure up the glass required and next day or in a few hours he returns to slip in the new glass. Yes, even if double gla...
by FrugalInvestor
Tue May 22, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 23
Views: 1164

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

And with some of the money I save on AAA, I suppose I could get a couple of "jumper starter" batteries from Costco or Amazon. I see that Costco has one that is both a cell phone recharger and a "jumper starter"... And of course, there's always the old standby of flagging down a good Samaritan. I pi...
by FrugalInvestor
Tue May 22, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Just had windows installed..one of them with scratches..
Replies: 12
Views: 1052

Re: Just had windows installed..one of them with scratches..

In many areas (most?) Milgard has their own warranty service crew that will come out and replace the scratched glass under warranty. Here's their warranty page: https://www.milgard.com/warranty/full-lifetime-warranty At the bottom of the page is a link to request service. I'd send them a note and ma...
by FrugalInvestor
Sun May 20, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 49
Views: 2454

Re: Wifi + wired device

A mesh router will give you wifi throughout the house with little degradation in speed. There are also other benefits like just one network name unlike extenders. Just make sure the one you buy has an ethernet jack on each station - one is placed where the wire enters your house and 1 or 2 others a...
by FrugalInvestor
Sun May 20, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 49
Views: 2454

Re: Wifi + wired device

A mesh router will give you wifi throughout the house with little degradation in speed. There are also other benefits like just one network name unlike extenders. Just make sure the one you buy has an ethernet jack on each station - one is placed where the wire enters your house and 1 or 2 others ar...
by FrugalInvestor
Sun May 20, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Three-fund portfolio returns and variance drain
Replies: 104
Views: 8538

Re: Three-fund portfolio returns and variance drain

sweeneyastray wrote:
Thu Apr 03, 2014 9:12 am
(First post! I have been reading the forum for a while, but I teach percentage math for the GMAT, GRE, SAT, etc., so this is finally an area in which I feel I can contribute!)
And an excellent contribution it was! Thank you sweeneyastray.
by FrugalInvestor
Sun May 20, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 17
Views: 1046

Re: Air conditioner recommendations?

I would add that the way you're going about selecting a system is backwards. You seem to be basing it on the size of your current unit and whether it's sufficient but you are not considering that it may not be installed and/or operating properly (given that it's constantly leaking freon it is obviou...
by FrugalInvestor
Sat May 19, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 76
Views: 4437

Re: What’s your phone/internet bill?

We have 15/5 Mbps fiber optic internet which is $47/month + tax. Up to gigabit service is available at added cost but 15 works well for us at this point. One of the great things about fiber optic service is that you always get the advertised speed, not "up to" that speed. Total with tax is less than...
by FrugalInvestor
Wed May 16, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Why this problem never gets fixed [Inflated medical product prices]
Replies: 33
Views: 2187

Re: Why this problem never gets fixed

And for those of us that rely on HSA, it is a direct hit . You've hit upon the reason for HSAs and their being coupled with high deductible insurance policies...so consumers of healthcare will be motivated to be more aware of and sensitive to prices charged for their medical care. As long as 'someo...
by FrugalInvestor
Wed May 09, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Gas Fireplace - Shut off pilot light during warm months??
Replies: 33
Views: 28240

Re: Gas Fireplace - Shut off pilot light during warm months??

I can confirm that the rusted pilot happened to me in a basement fireplace that is a sealed unit to the outside. Location is eastern Ontario, so during the hot summer months hot humid air from outside can enter and condense in the unit due to the cooler basement temperature. I had been in the house...
by FrugalInvestor
Sun May 06, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: How much should I save or would be available for health care in retirement?
Replies: 43
Views: 4175

Re: How much should I save or would be available for health care in retirement?

Yes, HSA money can pay for Medicare premiums. HSA funds can be used to pay for parts B, D or C (Medicare Advantage) premiums but cannot be used to pay premiums for a Medigap plan as BL discovered above. They can also be used for out-of-pocket expenses such as deductibles, dental, eye care, etc. HSA...
by FrugalInvestor
Sat May 05, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: One space or two ...
Replies: 18
Views: 1420

Re: One space or two ...

I first learned to use two spaces and that continued to be the convention for many years after that. Now I feel like I'm cheating or taking a shortcut if I leave one out, so I typically don't. When typing on a conventional keyboard I put in two spaces by habit. When typing on a screen I have to thin...
by FrugalInvestor
Mon Apr 30, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: If you really like the CR-V, you should check out the [_____]
Replies: 79
Views: 6255

Re: If you really like the CR-V, you should check out the [_____]

2019 (not '18) Acura RDX if you'd like something a bit more upscale and with better power and handling but still good mileage and all the tech. and takes premium fuel for about 50 cents more per gallon. Maybe, maybe not. It's a brand new model that won't be available until mid-year. Final specs hav...
by FrugalInvestor
Mon Apr 30, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: If you really like the CR-V, you should check out the [_____]
Replies: 79
Views: 6255

Re: If you really like the CR-V, you should check out the [_____]

2019 (not '18) Acura RDX if you'd like something a bit more upscale and with better power and handling but still good mileage and all the tech.
by FrugalInvestor
Sun Apr 22, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 2886

Re: Looking to purchase new car/SUV

The current RDX is ready to be replaced and the infotainment system in it is not at all intuitive or easy to use. That ruled it out for us. The new 2019 RDX has been introduced and will be on sale this summer. It appears to be improved throughout and especially with respect to the infotainment syste...
by FrugalInvestor
Sun Apr 22, 2018 1:19 am
Forum: Personal Consumer Issues
Topic: Your own General Contractor
Replies: 33
Views: 2926

Re: Your own General Contractor

Anyone here ever built their own home? Do you truly save 25%? Following is an article explaining construction margins...... https://businessecon.org/2015/05/margins-in-construction/ From the article.... I’ve been asked to identify the average margins in the construction industry. Honestly, there is...
by FrugalInvestor
Fri Apr 20, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8742

Re: Need for Medicare supplemental plan?

No, you are not automatically eligible to change every year. Do some googling. Googling, it looks like you have the right to switch from one Medicare Advantage plan to another Medicare Advantage plan once a year. However the same does not apply to Medigap (You don't have the right to switch from on...
by FrugalInvestor
Thu Apr 19, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8742

Re: Need for Medicare supplemental plan?

First time I've ever heard of Plan "G". Plan F is apparently still available to new enrollees today. I just received an ad in the mail today from Highmark pushing Plan F. They said "...you'll enjoy a monthly premium as low as $155.10..." If plan F goes away the only ones left will be old and sick p...
by FrugalInvestor
Mon Apr 16, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Trinity Study updated to 2018
Replies: 156
Views: 15673

Re: Trinity Study updated to 2018

retiredjg wrote:
Sat Apr 14, 2018 8:45 am
I'd love to read it, but can't open anything at Forbes. This has happened before. Anyone else having this problem? I'm using Safari 11.0.3
Using Chrome (a Chromebook to be more specific) and no problem opening.
by FrugalInvestor
Sun Apr 15, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 15
Views: 2094

Re: New HVAC system

If you are bothered by the loud startup noise as the blower ramps up, get a two-stage variable speed furnace/blower. The difference in perceived noise is very significant. Do consider a variable speed fan. But also talk to the various companies you get bids from about the noise (as well as any othe...
by FrugalInvestor
Sun Apr 15, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 15
Views: 2094

Re: New HVAC system

I would milk it too, although I would shop around now and figure out what 2 or 3 companies you would be most comfortable with doing the work. Then you're prepared when the time comes to replace it - just get updated bids and have get the work done, it usually doesn't take long. I would get bids from...
by FrugalInvestor
Sat Apr 14, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2174

Re: Cedar Fence: is Maintenance required?

The majority of the fence that you can see, the planks, don't really matter much to the structural integrity of keeping the fence standing up. It's the posts and cross-beams that keep the fence standing. The two primarily failures I've seen is rotted posts and beams. You can't do much to treat the ...
by FrugalInvestor
Thu Apr 12, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 6829

Re: Passport photo DIY - anyone done it easily?

Interesting that in response to a question about how to do something DIY, lots of folks chimed in about how they did something without DIY..... My reason for pointing out the $4.99 Costco option was not to avoid the question or discourage DIY (I do a LOT of that myself and enjoy it). However, the O...
by FrugalInvestor
Thu Apr 12, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 6829

Re: Passport photo DIY - anyone done it easily?

ronako wrote:
Mon Apr 18, 2016 11:16 am
But rather than going to a place and getting ripped off for $12, I can actually take my photo multiple times myself to get the perfect one that I want.
Costco is $4.99 while you're in the store so a little less than half a rip-off. :D
by FrugalInvestor
Sat Apr 07, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 14790

Re: Parents have zero savings. What can I do?

Where I'm from, we take care of our family. I live frugally and make more money so that I can support my family. I could have retired 10-15 years earlier if I just put all the cash to savings. But I never regret taking care of my family. I admire and commend you for that. However, what if something...
by FrugalInvestor
Sat Apr 07, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 14790

Re: Parents have zero savings. What can I do?

Tell them that they need to start researching what they'll get from Social Security + Medicare and how they'll scale back their lifestyle to live on that. It's done every day. The minute you give them the impression that you'll step-in you'll be counted on - and they won't be looking for other opti...
by FrugalInvestor
Sat Apr 07, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 14790

Re: Parents have zero savings. What can I do?

Tell them that they need to start researching what they'll get from Social Security + Medicare and how they'll scale back their lifestyle to live on that. It's done every day. The minute you give them the impression that you'll step-in you'll be counted on - and they won't be looking for other optio...
by FrugalInvestor
Sat Apr 07, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest in an HSA even though I don't go to the hospital much?
Replies: 18
Views: 1810

Re: Should I invest in an HSA even though I don't go to the hospital much?

Precisely the reason you should. You are doing well now, but what about 20 years from now? Having ample HSA funds will help you pay for med expenses then (presumably in retirement) or if an emergency comes along in the interim. But shouldn't I count on Medicare? No. - Like regular health insurance ...
by FrugalInvestor
Sun Apr 01, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: “We’re not making enough money off you”
Replies: 62
Views: 10912

Re: “We’re not making enough money off you”

I applaud MSSB for being honest about the situation. It gives your FIL the opportunity to pay more for service he values or make other arrangements if he feels the added cost is not justified. It sounds like he's known that he's been getting a sweet deal, the question is how much is the service real...
by FrugalInvestor
Sun Apr 01, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 50
Views: 4757

Re: Customer Service with Vanguard

I've also been with Vanguard since the 1980's. My wife and I hold mutual funds only (no ETFs) in taxable, TIRA, Roth IRA and 529 accounts. I had some minor difficulty with an un-knowledgeable representative a few years ago when doing my first Roth IRA conversion/recharacterization but nothing since....
by FrugalInvestor
Sat Mar 31, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 11294

Re: What age is the best to give a child control of an inheritance?

LarryAllen wrote:
Sat Mar 31, 2018 5:07 pm
Forty.
We originally provided a stipend for our son until age 40 and then the balance transferred to his control.
by FrugalInvestor
Sat Mar 31, 2018 9:44 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 8251

Re: Misuse of adverse

Pete12 wrote:
Fri Jan 05, 2018 3:46 pm
I go nuts when folks refer to this forum as the “Boggleheads” or the “Bogelheads” ... I mean come on people!!!
It boggles my mind every time I see it. :confused
by FrugalInvestor
Sat Mar 31, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 288
Views: 21014

Re: Got my Ruth's Chris seminar invitation, "Surviving Retirement"

bogglizer wrote:
Sat Mar 31, 2018 7:52 pm
The only way to survive retirement is to return to work. Any other plan results in certain death.
Any way you go it's certain death.
by FrugalInvestor
Sat Mar 31, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 288
Views: 21014

Re: Got my Ruth's Chris seminar invitation, "Surviving Retirement"

bberris wrote:
Sat Mar 31, 2018 7:50 pm
I predict a steak swimming in butter and higher cholesterol. Skip it and save money on statins.
I'd recommend going just once rather than not going at all. :beer
by FrugalInvestor
Sat Mar 31, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11505

Re: Underrated places to visit in U.S.?

........For me it's really about what you're interested in. ......... Then again, how do we become interested in anything without being exposed to it? The reason I like exploring places - especially out-of-the-way and relatively unknown places - is that I learn about and become interested in less f...
by FrugalInvestor
Sat Mar 31, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4278

Re: Tired of gas grills rusting out...

I used to live in an area with a very wet climate. I purchased mid-range Weber grills, used them regularly year-round, kept them covered, and they lasted 7 years. I would typically replace the the grates and flavorizer bars once during that time. At the 7 year mark they wouldn't be completely worn o...
by FrugalInvestor
Sat Mar 31, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 26
Views: 4565

Re: Vanguard: Transition to our new investment platform

btw, does anyone have a link to the article saying that vanguard was having issues with its software? I didn't see this. The following two links (in the order posted) will take you to the full article..... http://online.wsj.com/public/resources/documents/print/WSJ_-B001-20180330.pdf http://online.w...
by FrugalInvestor
Tue Mar 27, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 9289

Re: Not going to be buying chicken for a while...

We've noticed chicken getting tougher in the last few years. We thought it was because we had moved to a different part of the country and the suppliers were different. We'll watch more carefully for the white striping to see if that explains it. Hopefully this will threaten the poultry industry's p...
by FrugalInvestor
Mon Mar 26, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Should I proactively replace my central AC unit?
Replies: 33
Views: 2435

Re: Should I proactively replace my central AC unit?

A two stage unit, properly sized with a higher SEER rating will be a nice upgrade. Will it pay for itself? Likely not. We upgraded a similar unit. The unit running in the first stage is virtually silent. The old unit would run short cycles at turbo fan mode. It didn't run enough to remove humidity....
by FrugalInvestor
Mon Mar 26, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Computer Security
Replies: 55
Views: 3579

Re: Computer Security

OP here...just internet banking, investing...just internet. Fidelity is my main asset account and I use vip for added security Larry, you are a prime candidate for a Chromebook. The choice will be between a very basic and inexpensive model or a more sophisticated one that is thinner, lighter, brigh...
by FrugalInvestor
Mon Mar 26, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Computer Security
Replies: 55
Views: 3579

Re: Computer Security

I second this. I third this. This good advice should be repeated. Since the OP had not told us anything about how he uses computer resources, how can this be good advice? Agreed. That's like saying the best color is red. Red is the best color! Seriously, it's true that we need some more specifics t...
by FrugalInvestor
Sun Mar 25, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Computer Security
Replies: 55
Views: 3579

Re: Computer Security

Time to switch to a Chromebook: https://www.pcworld.com/article/3064762/security/how-to-configure-your-chromebook-for-ultimate-security.html Quote from article: A Chromebook is already an ultra-secure computer straight out of the box. Because it doesn’t run a traditional operating system and takes a...
by FrugalInvestor
Sun Mar 25, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8318

Re: How old were you when you started spending your “principal”?

19 years 6 months out. Accounts are still growing, spending is still growing That accounts growth is nominal growth, but if I recalculated my growth for the effect of inflation in this period (real growth) it is virtually even. (A good Boglehead calculated that last year when I made a similar post....
by FrugalInvestor
Sun Mar 25, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8318

Re: How old were you when you started spending your “principal”?

We've been retired for nearly 15 years and haven't touched our principal. Our investments have grown during that time and we've been spending 3-3.5% per year. During the '08-'09 downturn we cut back and re-balanced from bonds into stocks - but not all the way back to our target asset allocation beca...