Search found 4748 matches

by FrugalInvestor
Mon Aug 13, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 32
Views: 1915

Re: Decided on Chromebook, now need spec help

Take a look at the Samsung Chromebook Pro. The Pro still has the 3:2 format high res screen which is much more practical for web viewing and also for 'flipping' to be read like a book. The Plus version (which used to be a 3:2 format) has been changed to a 16:9 screen with less resolution to reduce t...
by FrugalInvestor
Sat Aug 11, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 63
Views: 8530

Re: Forecasts?

Bogleheads: If you are a stay-the-course investor like I am, forecasts are meaningless. I stopped reading them years ago and our portfolio performance greatly improved . John Kenneth Galbraith, famed economist: "The only function of economic forecasting is to make astrology look respectful." Best w...
by FrugalInvestor
Sat Aug 11, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Foscam Security Camera ( wire-free/IP )
Replies: 5
Views: 451

Re: Foscam Security Camera ( wire-free/IP )

Take a look at Wyze Cam at www.wyzecam.com and/or Amazon. Not sure that it has exactly the functionality that you're after but it works very well as a basic security camera for us and is cheap. I started with one just to play with it and now have three.
by FrugalInvestor
Sat Aug 11, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Private Banking is a trap. Don't do it!
Replies: 55
Views: 6754

Re: Private Banking is a trap. Don't do it!

You can be direct without being rude. Just let them know that based on your needs and what you've learned since becoming a private banking client that you'd like to revert back to your 'regular' status. Of course they'll likely continue to push until you have to be rude but you can at least start o...
by FrugalInvestor
Sat Aug 11, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Private Banking is a trap. Don't do it!
Replies: 55
Views: 6754

Re: Private Banking is a trap. Don't do it!

You can be direct without being rude. Just let them know that based on your needs and what you've learned since becoming a private banking client that you'd like to revert back to your 'regular' status. Of course they'll likely continue to push until you have to be rude but you can at least start ou...
by FrugalInvestor
Sat Aug 11, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 66
Views: 3771

Re: How often do you check your brokerage accounts

RagnarRahl: I do not have a brokerage account. Everything is held directly with Vanguard and in my checking account. I check my Vanguard balance for fraud or mistakes once or twice a year. Never had a problem. Best wishes. Taylor I'm in the excellent company of Taylor but I'm more curious. I look a...
by FrugalInvestor
Sat Aug 11, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 63
Views: 8530

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

Haven't we been hearing similar prognostications years now? And again, it's all just noise if one is invested for the long-term even if it emanates from Vanguard. And as others have already said, being able to buy shares at lower costs is likely good news in the short to medium term. Ignore the noise!
by FrugalInvestor
Sat Aug 11, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 104
Views: 5119

Re: Paper checks yes or no?

We have two checking accounts - both free other than minimum auto-deposits. One is primarily for medical insurance for which we allow auto payment (vendor pulls $) and do not have checks. The second is our everyday account for which we push payments through Bill Pay and have checks for the odd occas...
by FrugalInvestor
Thu Aug 09, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Excellent Vanguard Service!
Replies: 8
Views: 1690

Re: Excellent Vanguard Service!

I am kinda confused by the post since it doesnt really explain whether this was a Vanguard issue that caused the under-reporting of income or whether you interpreted information that Vanguard sent you incorrectly or neither. I don't know how Vanguard can figure out under-reported income unless it i...
by FrugalInvestor
Thu Aug 09, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: "The Longest Bull Market of All-Time?"
Replies: 15
Views: 2330

Re: "The Longest Bull Market of All-Time?"

It doesn't matter to me. There is nothing in my plan requiring action as a result of where the market is (or isn't) at any particular time. The only thing that matters to me is where my asset allocation stands (and I'm even a little loose with that because I've learned that doing less is typically l...
by FrugalInvestor
Wed Aug 08, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Check image won't print
Replies: 5
Views: 376

Re: Check image won't print

I tried to print with Chrome on my Chromebook and had the same problem. The page rendered but the check image showed up as blank. When I double clicked on the print image on my screen, saved the image and then printed it that worked fine.

I think I remember having this same problem long ago.
by FrugalInvestor
Wed Aug 08, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Junk Mail
Replies: 28
Views: 2426

Re: Junk Mail

This Federal Trade Commission site provides you with guidance on how to reduce unsolicited mail. Stopping Unsolicited Mail, Phone Calls, and Email Cheers We have taken these steps and it has helped. We also call whenever we receive a catalog or other mail that we don't want and ask that we be remov...
by FrugalInvestor
Wed Aug 08, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: HELP!!!!! Need to find documentation of index superiority
Replies: 32
Views: 2601

Re: HELP!!!!! Need to find documentation of index superiority

greg24 wrote:
Tue Aug 07, 2018 8:57 am
Have your friends ask the salesperson if they are willing to act as a fiduciary.
And if he or she says "yes" ask them to put it in writing.
by FrugalInvestor
Wed Aug 08, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Old dog needs to learn to manage his investments
Replies: 60
Views: 4893

Re: Old dog needs to learn to manage his investments

You could start by asking your financial advisor how much he is charging you. Also, if he has you in mutual funds, ask about the expense ratios of the funds. All those expenses and fees are reducing your investment returns. 2b2 The reason that this is important is because fees are the best predicto...
by FrugalInvestor
Tue Aug 07, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2273

Re: New SS cards. Get yours?

Now... to get this number into the medical and insurance systems. That should be lots of "fun"! Problem is, I'm *sure* that the old SS number will remain right there. This new, separate Medicare number is probably only useful for the youngsters who are just entering the system and won't need to giv...
by FrugalInvestor
Tue Aug 07, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2273

Re: New SS cards. Get yours?

I've not had a SS card since my old one fell apart 20+ years ago. And I certainly don't want a new one now. I'm happy just to have a SS number... There are times when a SS card is necessary. For instance, getting an enhanced driver's license (good for some international travel) in our state require...
by FrugalInvestor
Wed Aug 01, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 61
Views: 35852

Re: Worth it to get 300 Mbps internet?

I think 300MB is overkill for most users. I had 25 Mbps and that was fine for streaming even HD 720p and 1080p video. I now have 75 Mbps, and the difference is not that noticeable in day-to-day use, maybe only when downloading large files. Netflix, etc. goes without a hitch, so if you're having iss...
by FrugalInvestor
Wed Aug 01, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1806

Re: Why is new strip of lawn different color?

I would wait for at least one year to see if the colors become more similar. You've changed a lot of things. I'd give them time to stabilize. My guess is that the differences will minimize if not disappear over time.
by FrugalInvestor
Wed Aug 01, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 195
Views: 17255

Re: Vanguard to offer non-Vanguard ETFs commission-free

FYI, here's a link to a new CNBC article on the subject that I just ran across: https://www.cnbc.com/2018/08/01/vanguard-group-begins-key-experiment-in-the-new-era-of-free-investing.html This is a particularly interesting portion: Trading in and out of funds can lead to lower performance Research co...
by FrugalInvestor
Sun Jul 29, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 46
Views: 4756

Re: Has Anyone Tried Youtube TV?

Any preferred streaming devices, e.g. Apple TV, Roku, smartphone (android or apple), tablet? TIA. We use Chromecasts on our TVs and our android phones or Chromebooks as "remotes." That works well. I also have a Roku with the YouTube TV app but haven't used it enough to know how it compares to the C...
by FrugalInvestor
Sun Jul 29, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Any problems with freezer "drawer" models
Replies: 40
Views: 2723

Re: Any problems with freezer "drawer" models

We have had our GE 'french door' bottom freezer unit for 2 years with no problems. Our previous Samsung (also bottom freezer) died in less time than that but that had nothing to do with the bottom freezer. Fortunately we had purchased an extended warranty on the Samsung and were able to get Lowe's t...
by FrugalInvestor
Sun Jul 29, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 46
Views: 4756

Re: Has Anyone Tried Youtube TV?

The only two streaming TV services we have used are Sling and YT TV and although I enjoyed the price of Sling we occasionally had buffering issues of which are nearly non-existent with YT TV. One thing I really like about YouTube TV is its ability to stream over almost any connection. We've used it...
by FrugalInvestor
Sun Jul 29, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 46
Views: 4756

Re: Has Anyone Tried Youtube TV?

Any preferred streaming devices, e.g. Apple TV, Roku, smartphone (android or apple), tablet? TIA. We use Chromecasts on our TVs and our android phones or Chromebooks as "remotes." That works well. I also have a Roku with the YouTube TV app but haven't used it enough to know how it compares to the C...
by FrugalInvestor
Sat Jul 28, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 46
Views: 4756

Re: Has Anyone Tried Youtube TV?

We have a a weekend home in addition to our regular one. Each are in different locations according to YouTube TV location services. Can we use the same account for both houses? Summit Yes but call them and ask questions. I've received a message saying that I need to log in at least every 30 days fr...
by FrugalInvestor
Tue Jul 17, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3761

Re: Adding a trust to your homeowner's policy

Zigadenus wrote:
Tue Jul 17, 2018 7:07 pm
Do you add the trust to your homeowner's policy even if the house isn't in the trust?
No. It would not apply in that case.
by FrugalInvestor
Sun Jul 15, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Brokers sell ETF order flow used to trade against clients
Replies: 24
Views: 1808

Re: Brokers sell ETF order flow used to trade against clients

I like to KISS which for me means Vanguard mutual funds directly through Vanguard. This is just more noise I can ignore as a result.
by FrugalInvestor
Sat Jul 14, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1315

Re: Questioning insurance valuation for homeowners

I've had State Farm adjust my valuation in the past. When I questioned it they offered to walk me through a more detailed valuation using their software tool and database of local numbers, which we did. We went through the details of the home's construction inside and out with respect to quality of ...
by FrugalInvestor
Sat Jul 14, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5614

Re: Rodents ate my car!

These work great for me. Keep one baited (dog food pellets are best) and turned on in the garage at all times and check the light each morning. If it's blinking dump the animal in the garbage, replace bait and turn it back on. Easy and effective. http://www.victorpest.com/rat-zapper-ultra-rat-trap-b...
by FrugalInvestor
Tue Jul 10, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Excellent Vanguard Service!
Replies: 8
Views: 1690

Excellent Vanguard Service!

I've seen many posts here about problems with Vanguard Customer Service. I've had mostly good and some mediocre service in the past but recently had a very positive experience. I think it's worth bringing experiences like this to light since often only the negative ones are reported. A day before le...
by FrugalInvestor
Sat Jul 07, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 156
Views: 12203

Re: What I spent in 6 months on medicare

3. One more thing I can think of relative to "favorite doctor:" Increasingly (although still a small trend) and I believe mostly in the Northwest, some providers take only a public Part C Medicare health plan. If I interpret this correctly - in this area, a great many Primary Care Physicians will n...
by FrugalInvestor
Thu Jul 05, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 156
Views: 12203

Re: What I spent in 6 months on medicare

$2K in 6 months? x2 for husband & wife, approx x2 for whole year. $8K. Wow. :shock: That is a line item in the budget that I didn't expect. I didn't realize it was so expensive. I had the opposite reaction. I wish I could buy into Medicare. I recently saw the 2019 figures for my ACA plan. My premiu...
by FrugalInvestor
Thu Jul 05, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3761

Re: Adding a trust to your homeowner's policy

I emailed the attorney who prepared our trust documents. He replied this morning saying that the trust should be named as additional insured on our homeowner's policy but that no changes are necessary to the umbrella policy. Apparently there was an instruction about this in the (long) final letter h...
by FrugalInvestor
Thu Jul 05, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Health Care in "Early" Retirement
Replies: 50
Views: 4870

Re: Health Care in "Early" Retirement

No, that's actually exactly the point I'm making. I read your post to intimate that you could sign up for the ACA anytime by just not paying your COBRA premiums, which is not the case. The OP had said above, "According to the ACA website, losing coverage qualifies you to enroll. So if I just droppe...
by FrugalInvestor
Thu Jul 05, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Health Care in "Early" Retirement
Replies: 50
Views: 4870

Re: Health Care in "Early" Retirement

Steve - Thanks for your reply. According to the ACA website, losing coverage qualifies you to enroll. So if I just dropped my existing coverage by not paying the premium, I believe I would be permitted to enroll in an ACA plan. I do not know for sure but I doubt losing your coverage because you fai...
by FrugalInvestor
Thu Jul 05, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Health Care in "Early" Retirement
Replies: 50
Views: 4870

Re: Health Care in "Early" Retirement

Steve - Thanks for your reply. According to the ACA website, losing coverage qualifies you to enroll. So if I just dropped my existing coverage by not paying the premium, I believe I would be permitted to enroll in an ACA plan. You are correct. I don't think that's true. See https://www.mycobraplan...
by FrugalInvestor
Thu Jul 05, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Health Care in "Early" Retirement
Replies: 50
Views: 4870

Re: Health Care in "Early" Retirement

Steve - Thanks for your reply. According to the ACA website, losing coverage qualifies you to enroll. So if I just dropped my existing coverage by not paying the premium, I believe I would be permitted to enroll in an ACA plan. You are correct. I don't think that's true. See https://www.mycobraplan...
by FrugalInvestor
Thu Jul 05, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Health Care in "Early" Retirement
Replies: 50
Views: 4870

Re: Health Care in "Early" Retirement

Steve - Thanks for your reply. According to the ACA website, losing coverage qualifies you to enroll. So if I just dropped my existing coverage by not paying the premium, I believe I would be permitted to enroll in an ACA plan. You are correct. In my opinion ACA coverage is typically the best optio...
by FrugalInvestor
Thu Jul 05, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Revocable Living Trusts-Homeowners-Umbrella Insurance
Replies: 10
Views: 1712

Re: Revocable Living Trusts-Homeowners-Umbrella Insurance

I emailed the attorney who prepared our trust documents. He replied this morning saying that the trust should be named as additional insured on our homeowner's policy but that no changes are necessary to the umbrella policy. Apparently there was an instruction about this in the (long) final letter h...
by FrugalInvestor
Wed Jul 04, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5612

Re: How to tip

I typically tip 15% +/- on the total bill. If my wife and I split a meal (which we often do) I'll tip as if we purchased two meals. ... So if you split a $20 meal (including tax), do you tip 15% of the total bill (15% x $20), or do you tip as if it were $40? As if it were $40. The server is serving...
by FrugalInvestor
Wed Jul 04, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5612

Re: How to tip

I typically tip 15% +/- on the total bill.

If my wife and I split a meal (which we often do) I'll tip as if we purchased two meals. I'll also sometimes reduce or increase the percentage substantially in exceptional circumstances.
by FrugalInvestor
Wed Jul 04, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Vacuum Quandary
Replies: 10
Views: 942

Re: Vacuum Quandary

retiredjg wrote:
Wed Jul 04, 2018 2:43 pm
TresBelle65 wrote:
Wed Jul 04, 2018 2:32 pm
With only 5 weeks to go, I hate the thought of buying a new vacuum only to end up putting it into storage because I will be mobile for awhile.
How about hiring a house cleaner for a few hours?
Now there's one excellent suggestion! You can probably find a good one-time Groupon deal.
by FrugalInvestor
Tue Jul 03, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3761

Re: Adding a trust to your homeowner's policy

Thanks for the post. We are in the same position as many others here in this regard. I've sent a note to the attorney who prepared our trust documents to get his take on it. I will post what I hear from him (probably next week following the 4th).
by FrugalInvestor
Tue Jul 03, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 78
Views: 12907

Re: Who uses the 3 fund portfolio ?

zengolf2011 wrote:
Tue Jul 03, 2018 4:22 pm
I think a sometimes overlooked advantage is that it builds investor confidence to resist the latest fad.
This is a HUGE advantage. Emotional investing is the worst kind but easily and very commonly succumbed to. Good investing is boring investing...3-fund is boring, but beautiful!
by FrugalInvestor
Mon Jul 02, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 34
Views: 2418

Re: Health Insurance for Retirees, % escalation

Here’s an article about someone who ended up with a 5 figure uncovered Medí-share bill for cancer. Buyer beware! https://www.google.com/amp/s/m.huffpost.com/us/entry/us_5a9d66fee4b0a0ba4ad6754b/amp In fairness they did not 'end up' with the 5-figure bill, it was initially refused but then covered a...
by FrugalInvestor
Mon Jul 02, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 34
Views: 2418

Re: Health Insurance for Retirees, % escalation

If you're reasonably healthy, you might want to look into the healthcare sharing ministries out there. They can be a fraction of the cost of a health insurance plan and have been solid options for many people for many years now. The problem is that you are reasonably healthy until the day you aren'...
by FrugalInvestor
Sun Jul 01, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Re-balancing question
Replies: 4
Views: 297

Re: Re-balancing question

Yes, just use your contributions to maintain your desired asset allocation.
by FrugalInvestor
Sun Jul 01, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4770

Re: Retiring in Michigan (Ann Arbor)

When I was working I lived in extremely cold and extremely wet climates and was perfectly happy. After I retired I noticed the weather much more because I had much more free time and liked to spend much of that outdoors. I was not happy living in lousy weather any longer and moved to a warm and sunn...
by FrugalInvestor
Sun Jul 01, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13513

Re: What are your property taxes?

NJ $11,310 for 1400sqft on 1/4 acre. People who pay significantly less, do you have local professional police/fire? Also curious if you have things like 2x weekly garbage and recycling pickup that’s included. Yes we have professional police and fire. Our garbage and recycling is a separate billing ...
by FrugalInvestor
Sun Jul 01, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13513

Re: What are your property taxes?

A little under 1% of market value.

Our system for assessed values is very odd so percent of market is more meaningful.
by FrugalInvestor
Sat Jun 30, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9664

Re: What’s your plan for a market downturn?

I plan to stick with my plan which says nothing about 'downturns' although when one occurs it may influence when and to what degree I rebalance. Since I'm retired, a severe and/or very prolonged downturn may impact how much I choose to withdraw and spend but that's a judgement call and primarily to ...