Search found 219 matches

by FrugalConservative
Thu Mar 05, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Installing solar - worth it?
Replies: 70
Views: 4111

Re: Installing solar - worth it?

They are such an eye sore and ugly, that my wife and I will never consider it. Not to mention the ROI is pitiful and after so many years the panels you own become outdated blocks of glass.
by FrugalConservative
Mon Mar 02, 2020 4:27 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 24967

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

CT-Scott wrote:
Wed Feb 26, 2020 9:09 pm
In other words, if things turn around tomorrow, it seems near impossible that VTSAX will regain the 8% it lost this past week in one week (correct me if you think I'm wrong, but please provide real examples of when that has happened).
:oops:
by FrugalConservative
Tue Feb 25, 2020 4:24 pm
Forum: Personal Investments
Topic: 38 yr old having 2nd thoughts...
Replies: 93
Views: 10748

Re: 38 yr old having 2nd thoughts...

80/20 if you want to feel better at night but the case can be made to be 100% equity till your balance hits $100K.
by FrugalConservative
Tue Feb 25, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6476

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

If houses and apartments are more expensive in the NY area, it must be because people want to live there. Otherwise they would be more expensive in other parts of the country and less expensive in the NY area. Wanting to live there and needing to live there are two different ideas but quite true wh...
by FrugalConservative
Tue Feb 25, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6476

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

Im doing the exact oppostive. I'm moving OUT of the northeast as its lost its way financially and when my young kids are older they will have a better chance of owning a home in a more tax friendly area. 500K starter homes around my parts that need tons of work with a tax base of 15K. Yeah no thanks...
by FrugalConservative
Fri Feb 21, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Personal disability insurance for dentists and surgeons
Replies: 28
Views: 1715

Re: Personal disability insurance for dentists and surgeons

Make sure it's a True Occupation policy. All other policies arent worth the paper they are printed on.
by FrugalConservative
Fri Feb 21, 2020 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: USC - Free tuition for families making under $80k
Replies: 46
Views: 2071

Re: USC - Free tuition for families making under $80k

Just another back door tax on a certain segement of the population. From ones hand to another.
by FrugalConservative
Fri Feb 21, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: San Francisco with a Family
Replies: 90
Views: 5641

Re: San Francisco with a Family

Zero chance I would move to SF. It is not family friendly as it once was. 1.2mm wont get you much if at all. It's shame, because at one time SF was a beautiful and welcoming city for families, now, it's laugable. Dont take my word for it: https://www.nytimes.com/2017/01/21/us/san-francisco-children....
by FrugalConservative
Fri Feb 21, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Auto Insurance Issue
Replies: 6
Views: 529

Re: Auto Insurance Issue

Her neighbor is at fault. Pretty clear cut: if he didnt move, he wouldn't have hit your daughter.

Hopefully he is an honest person, other wise it will get messy and blame will be placed on both parties.
by FrugalConservative
Thu Feb 20, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8287

Re: Used car purchase - now dreading it

The ozone may very well work. To rule out flooding damage. Roll up some of the floorboard carpets. Once the smell is gone, it will be smooth sailing! Stay positive. I'm just curious, isn't there a legal obligation to disclose if a used car was in a flood? Maybe it is one of those gray areas..... :?...
by FrugalConservative
Thu Feb 20, 2020 4:23 pm
Forum: Personal Investments
Topic: Worth it to use different vendors to manage tax basis?
Replies: 10
Views: 486

Re: Worth it to use different vendors to manage tax basis?

Not worth it mainly because it makes zero sense.
by FrugalConservative
Thu Feb 20, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8287

Re: Used car purchase - now dreading it

The ozone may very well work.

To rule out flooding damage. Roll up some of the floorboard carpets.

Once the smell is gone, it will be smooth sailing! Stay positive.
by FrugalConservative
Thu Feb 20, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Guitar for a 45 year old beginner
Replies: 52
Views: 3945

Re: Guitar for a 45 year old beginner

I learned on an acoustic (YAMAHA FG800).

Quality guitar that wont break the bank. Buy a decent tuner.

https://www.kraftmusic.com/yamaha-fg800 ... undle.html
by FrugalConservative
Thu Feb 20, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: Bought Too Much Car
Replies: 30
Views: 4972

Re: Bought Too Much Car

Not seeing the big picture, so tough to comment. How are you doing health wise financially? Do you have 3-6 months in emergency fund, saving for retirement, etc. If so. Then just drive the car and chalk it up to a lesson learned.
by FrugalConservative
Thu Feb 20, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8287

Re: Used car purchase - now dreading it

Sounds like a flood car to me. Maybe a leak that wasn't noticed for months. Might be evap. Can buy a can of evap cleaner which you spray up the condensor drain underneath the car. Stains on the seats would give me pause, shows the previous owner was careless and probably ate in the car. Yuck. Ozone ...
by FrugalConservative
Tue Feb 18, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11120

Re: Perform own oil change pros & cons?

I've been doing my own oil changes since I owned a car. Firstly its cheaper and quicker then bringing it to the dealer ( for my dealer you drive 15 minutes, drop it off, drive another 15 minutes and pickup, when it's all said and done its an hour proposition), and most importantly I know its done ri...
by FrugalConservative
Tue Feb 18, 2020 2:36 pm
Forum: Personal Consumer Issues
Topic: Best Oil?
Replies: 125
Views: 10171

Re: Best Oil?

Supertech or Mobil 1 when they have the rebate.
by FrugalConservative
Tue Feb 18, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Can we trust wirecutter reviews?
Replies: 41
Views: 4893

Re: Can we trust wirecutter reviews?

Yes. They are usually pretty accurate, atleast for the items I have purchased.
by FrugalConservative
Wed Feb 12, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27222

Re: Protection Against Home Intruders

Just wanted to say that it's great to see a place where the firearm part of this home defense conversation hasn't devolved into political ranting and raving. I will second the AR-15 being the weapon of choice for home defense, especially when used with frangible ammunition if one resides in a dense...
by FrugalConservative
Fri Feb 07, 2020 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 60
Views: 3184

Re: Engagement Ring Insurance

Chubb is the gold standard but very expensive. Jewelers mutual is the go to for most. But be warned, you will NOT get cash back instead you will get a 'similiar' diamond, which probably cost less then the one you bought. Word of widsom, dont get your diamond over appraised. $6k, why even bother gett...
by FrugalConservative
Fri Feb 07, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6887

Re: The annual "Boglehead considering a country club" thread

So after two years it will be upwards of 20k a year?! $1700 a month ( not including the buy in). You live in NJ, did you consider a few months out of the year you wont even be able to golf or use the pool? I personally believe Northeast clubs are clicky and stuffy. I have been to many, both as guest...
by FrugalConservative
Fri Feb 07, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 181
Views: 14378

Re: Family man who misses driving a fun car

I'm sure there are many members of this forum that have the itch for a 'fun car'. I have a 2003 Ford Mustang GT - looking to replace in the near future. The big question is - should I go the Subaru Outback route - or a new Mustang GT with 460hp? We are Bogleheads, but we also have a small part insi...
by FrugalConservative
Fri Feb 07, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 3590

Re: New Grad with fashion design degree looking for job in that field

GL OP, I know plenty of individuals that have received somewhat watered down degrees that end up going back to school to actually make a real living. My cousing majored in womens studies at NYU, couldnt find a job that paid more then minimum wage. Ending up going to nursing school. Another friend ma...
by FrugalConservative
Fri Feb 07, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 181
Views: 14378

Re: Family man who misses driving a fun car

I'm sure there are many members of this forum that have the itch for a 'fun car'. I have a 2003 Ford Mustang GT - looking to replace in the near future. The big question is - should I go the Subaru Outback route - or a new Mustang GT with 460hp? We are Bogleheads, but we also have a small part insi...
by FrugalConservative
Tue Feb 04, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2386

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

Easy. Bring the stroller.

Repeat after me, YOU WILL REGRET NOT BRINGING IT.
by FrugalConservative
Mon Feb 03, 2020 2:08 pm
Forum: Personal Investments
Topic: My Sis is going to Ray James, is this fee right?
Replies: 94
Views: 6922

Re: My Sis is going to Ray James, is this fee right?

She has no interest in investing and is completely overwhelmed by the thought of it. Additionally, she is a spender not a saver. Most of this $120K given to her last year as the result of a property sale from our late father's trust. (I got the same.) It took me a while, but I’ve come to find there...
by FrugalConservative
Fri Jan 31, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: Amazon price gouging
Replies: 61
Views: 3880

Re: Amazon price gouging

AT the end of the day hand sanitizers provide a false sense of security. It doesnt even kill all strands of flu and on top of that it needs to stay on your hands for minutes not seconds to be effective. The FDA is well aware of this and has contacted makers for false advertising.
by FrugalConservative
Fri Jan 31, 2020 2:15 pm
Forum: Personal Investments
Topic: No Bonds? Late 30s, early 40s?
Replies: 61
Views: 5896

Re: No Bonds? Late 30s, early 40s?

Age 40.

85/15.

I sleep well at night, but that is me, others may be more comfortable at 70/30.
by FrugalConservative
Tue Jan 28, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter's Boston Job Offer
Replies: 115
Views: 9613

Re: Daughter's Boston Job Offer

The salary is reasonable. But 68K in the Boston Metro unfortunately wont go very far, especially if she rents anywhere within a reasonable commuting distance to the city.
by FrugalConservative
Fri Jan 24, 2020 4:29 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4020

Re: Happy Birthday Taylor! 96 years young!

Happy Bday. God Bless!
by FrugalConservative
Fri Jan 24, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Thicker/Flatter Dental Floss or Tape?
Replies: 34
Views: 2509

Re: Soft Picks

Instead of using old-style floss that you wrap around your fingers, I strongly recommend using floss picks. For example - https://www.amazon.com/GUM-Soft-Picks-Original-Dental-Picks/dp/B06XQSG36Q https://www.net32.com/media/shared/common/mp/sunstar-butler/gum-soft-picks/media/green-picks-632DA.jpg ...
by FrugalConservative
Thu Jan 23, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 5791

Re: Subaru Outback engine stop/start

El Greco wrote:
Thu Jan 23, 2020 9:42 am
In my view, the most annoying "improvement" ever devised by car manufacturers. Not having this feature was one of my top five reasons for buying two Mazdas. Mazda doesn't employ this feature in their vehicles sold in the US. Yet.
Agreed. I'll never buy a car with this feature.
by FrugalConservative
Thu Jan 23, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 8755

Re: When to Change Car Battery?

Dealer reccomending changing at 3 years is just a money grab.

Did he tell you the reading he got from the battery.

I have zero trust in dealers, constantly trying to upsell and pushing $80 cabin air filter changes.

$150 for a battery is crazy.
by FrugalConservative
Thu Jan 23, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Sharing a Business Class Seat
Replies: 51
Views: 4468

Re: Sharing a Business Class Seat

Not something I would do. Seems quite inconsiderate to those that actually paid a premium to sit in those seats. A revolving door of 4 people getting up and sitting down throughout the flight is lame.
by FrugalConservative
Thu Jan 23, 2020 8:38 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26545

Re: Sad news: LadyGeek's husband has passed

Sorry for the loss of your husband.
by FrugalConservative
Wed Jan 22, 2020 2:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099-DIV** - you will get TWO for 2019 if you upgraded to BROKERAGE
Replies: 3
Views: 764

Re: Vanguard 1099-DIV** - you will get TWO for 2019 if you upgraded to BROKERAGE

Yup, ran into this issue when we convereted over our account to brokerage.

Good heads up .
by FrugalConservative
Tue Jan 21, 2020 2:19 pm
Forum: Personal Consumer Issues
Topic: Need emergency car repair..what would you do?
Replies: 34
Views: 3469

Re: Need emergency car repair..what would you do?

Does the $250 inclue the price of the tow? Because $250 for just a serpentine belt replacement is ludicrious, especially considering you completed half the job yourself.
by FrugalConservative
Fri Jan 10, 2020 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Car - buy outright or finance?
Replies: 59
Views: 5179

Re: Buying Car - buy outright or finance?

In the fine print on most of these 0% loans, isnt there a dollar charge per $1000 borrowed, which usually amounts to a $1K added cost onto the life of the loan?
by FrugalConservative
Fri Jan 10, 2020 11:48 am
Forum: Personal Investments
Topic: Am I in a position to upgrade homes?
Replies: 14
Views: 1012

Re: Am I in a position to upgrade homes?

Buy the new house, sell the old. You have solid income for an 850K house. Have more kids, start filling up those bedrooms. But like others have said, why so much cash? I would either put that cash towards the new house in turn driving down your payment, or put it in a taxable account, 60/40 split. H...
by FrugalConservative
Fri Jan 10, 2020 11:26 am
Forum: Personal Investments
Topic: 1 million cash - looking for low risk investment
Replies: 53
Views: 6525

Re: 1 million cash - looking for low risk investment

High Yield online savings would be my option. Or short term tsy.

If you are a high income earner, why so risk averse. Sheesh, 10 years of being out of the market, that is painful considering the returns that have been earned.
by FrugalConservative
Fri Jan 10, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

livesoft wrote:
Fri Jan 10, 2020 9:06 am
FrugalConservative wrote:
Fri Jan 10, 2020 8:47 am
Math is a great major and the future is not dim at all.
Sure is a great path for ones life outside school.
by FrugalConservative
Fri Jan 10, 2020 8:57 am
Forum: Personal Investments
Topic: Need Advice: Bad Investment Advisor
Replies: 14
Views: 1453

Re: Need Advice: Bad Investment Advisor

Crappy situation and unfortunate for your those that lost out financially. Your grandfather meant well, but used the old "set it and forget it" mentality, which ended up costing his heirs significant funds. WFC is not in the wrong here, your father is, and in a small way you are as well. Having the ...
by FrugalConservative
Fri Jan 10, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

1. Definitely apply to private schools. 2. Carefully look into what a math major leads to. Applied math etc. may be closer to her real interests and may offer excellent job options, even at the BS level. A major in pure math is for people who prove theorems. Thanks! She's interested in may be being...
by FrugalConservative
Wed Jan 08, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Living in a HCOL and making a middle class salary is a struggle
Replies: 340
Views: 20532

Re: Living in a HCOL and making a middle class salary is a struggle

Did you even click the link for the first home. Iol. That house needs a complete remodel. If you're worried about the Westchester Joneses, sure. But it looks like plenty of houses in my perfectly decent midwestern area, and it's fine to have a family in. If I were the OP, I'd look especially for ho...
by FrugalConservative
Wed Jan 08, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Living in a HCOL and making a middle class salary is a struggle
Replies: 340
Views: 20532

Re: Living in a HCOL and making a middle class salary is a struggle

I’m going to repeat: Stamford CT. It’s literally 10 min to the border in Port Chester and you are in WC. This location is great. Near the water: https://www.zillow.com/homedetails/32-Carlisle-Pl-Stamford-CT-06902/177189887_zpid/ This is a great house: https://www.zillow.com/homedetails/5-Madeline-C...
by FrugalConservative
Wed Jan 08, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Living in a HCOL and making a middle class salary is a struggle
Replies: 340
Views: 20532

Re: Living in a HCOL and making a middle class salary is a struggle

I’m going to repeat: Stamford CT. It’s literally 10 min to the border in Port Chester and you are in WC. This location is great. Near the water: https://www.zillow.com/homedetails/32-Carlisle-Pl-Stamford-CT-06902/177189887_zpid/ This is a great house: https://www.zillow.com/homedetails/5-Madeline-C...