Search found 5651 matches

by FrugalInvestor
Wed Jan 27, 2021 12:53 pm
Forum: Personal Investments
Topic: Editing my 3 fund portfolio (VG, TSP, Fidelity)
Replies: 44
Views: 3182

Re: Editing my 3 fund portfolio (VG, TSP, Fidelity)

Many decades ahead to work even though age is very late 30s. And we plan to make a change to the percentage of bonds we hold, which was age in bonds. Just a caveat. There is a lot of FOMO among earlier-stage earners about this concept. Were you planning to make this change this past March? And: if ...
by FrugalInvestor
Tue Jan 26, 2021 9:32 pm
Forum: Personal Investments
Topic: Editing my 3 fund portfolio (VG, TSP, Fidelity)
Replies: 44
Views: 3182

Re: Editing my 3 fund portfolio (VG, TSP, Fidelity)

Many decades ahead to work even though age is very late 30s. And we plan to make a change to the percentage of bonds we hold, which was age in bonds. Just a caveat. There is a lot of FOMO among earlier-stage earners about this concept. Were you planning to make this change this past March? And: if ...
by FrugalInvestor
Sun Jan 24, 2021 9:50 am
Forum: Personal Investments
Topic: Any boring investors left?
Replies: 220
Views: 12535

Re: Any boring investors left?

I'm boring. :?
by FrugalInvestor
Sat Jan 23, 2021 10:56 pm
Forum: Personal Consumer Issues
Topic: Universal Gate Remotes and Homelink?
Replies: 1
Views: 178

Re: Universal Gate Remotes and Homelink?

I’ll be getting a new vehicle soon, and have various community gates for myself and family members programmed into the car’s Homelink system. There’s one gate I no longer have a clicker for and it’s a long process to get a new one, and id like to avoid using any keypads daily during this pandemic. ...
by FrugalInvestor
Fri Jan 22, 2021 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Who or what has helped the most in your financial journey?
Replies: 121
Views: 7033

Re: Who or what has helped the most in your financial journey?

The following have been the 'Big 3' for me...... 1. Jack Bogle and his writings have helped me understand what's important when investing, what's not and what to watch out for. 2. Vanguard - I've been low-cost index investing with Vanguard since the 1980s, even before I fully understood the importan...
by FrugalInvestor
Wed Jan 20, 2021 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Buying a House - Should I Open a Trust First?
Replies: 31
Views: 2841

Re: Buying a House - Should I Open a Trust First?

What state are you in? What is the value of the house? In my state, a revocable living trust would not be needed to accomplish your goals. A POA and a will would work just as well. Other states are different. Also, I am not aware of a problem with later transferring the RE to a living trust, but I ...
by FrugalInvestor
Wed Jan 20, 2021 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Buying a House - Should I Open a Trust First?
Replies: 31
Views: 2841

Re: Buying a House - Should I Open a Trust First?

My wife and I owned a house at the time that we created our trust under agreement. We did not have a mortgage on it. Once the trust was created transferring the house into the trust was not a problem. As others have noted, different states have different rules and this is one reason that it's best t...
by FrugalInvestor
Fri Jan 15, 2021 10:37 pm
Forum: Personal Consumer Issues
Topic: Need recommendations for good wifi timers/switches....
Replies: 11
Views: 688

Re: Need recommendations for good wifi timers/switches....

Hello! All I can say is I have used a lot of TP-Link devices, indoor and outdoor smart plugs, I have several of the smart LED bulbs, NEVER had a problem!! I know they are not the most expensive, but they work! Works fine with Alexa and Google hub also... I've had good luck with the tp-link / Kasa d...
by FrugalInvestor
Thu Jan 07, 2021 8:30 pm
Forum: Personal Consumer Issues
Topic: products with useful lifetime warranties
Replies: 48
Views: 2435

Re: products with useful lifetime warranties

Hunter Douglas window coverings.

I've had multiple homes with Hunter Douglas blinds both as the original owner and as a subsequent owner. In all cases the Hunter Douglas phone reps were very responsive and helpful helping me determine and then providing the parts I needed quickly and at no cost.
by FrugalInvestor
Sun Jan 03, 2021 8:50 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3414
Views: 572814

Re: What are you up YTD? [Year To Date]

50/50 consisting of Total Stock Market and Total Bond Market plus some CDs and a little cash and was up 14.6% in 2020.
by FrugalInvestor
Sun Jan 03, 2021 8:29 am
Forum: Investing - Theory, News & General
Topic: What meaningful activities are you doing in retirement today with your free time?
Replies: 68
Views: 7049

Re: What meaningful activities are you doing in retirement today with your free time?

I work out about 3 times per week which maintains my health, gives me more energy and helps me sleep well. I'm a DIY'er so I spend a good amount of time maintaining and improving the things I own including my finances, home, yard, vehicle, etc. I also help others do the same if they ask me to. I lik...
by FrugalInvestor
Tue Dec 29, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: 60 Year Old Couple Relocating from Illinois to Florida - Need Input on Best Way to Move Household
Replies: 52
Views: 4336

Re: 60 Year Old Couple Relocating from Illinois to Florida - Need Input on Best Way to Move Household

We've done a few cross-country moves, the most recent one after we were retired for a few years. Our strong preference is to let the professionals do the packing and move and then we do the unpacking of boxes at our leisure. Moving and everything that goes along with it is difficult and stressful en...
by FrugalInvestor
Sat Dec 26, 2020 10:25 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 555
Views: 76588

Re: Your USER NAME...what does it mean?

Deleted
by FrugalInvestor
Tue Dec 01, 2020 9:28 am
Forum: Personal Investments
Topic: 1258% YTD
Replies: 89
Views: 10836

Re: 1258% YTD

However, lately I been getting too many temptations looking at individual stocks ..nonstop. I can't help myself but look at these crazy returns of 2020 for Nio Tesla Moderna Xpeng Overstock etc Why do you even look at individual stocks? I just look at the broad market indexes because that's what I'...
by FrugalInvestor
Sun Nov 29, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal rate for an early retirement
Replies: 428
Views: 24847

Re: Withdrawal rate for an early retirement

How low is a low SWR? I think our approaches are similar but I don't regard the cash cushion as something to deplete - it's just something to always have. Why have a cash cushion if you aren't going to use it? I'm retired and have a cash cushion which I constantly use and periodically replenish (an...
by FrugalInvestor
Sun Nov 29, 2020 12:51 am
Forum: Personal Investments
Topic: Willing to share your Taxable Portfolio?
Replies: 139
Views: 11286

Re: Willing to share your Taxable Portfolio?

90% VTSAX
10% Cash, CDs and MM funds

I'm retired. The cash portion represents my living expenses for the next two years and the VTSAX feeds that through dividends and withdrawals.
by FrugalInvestor
Thu Nov 26, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 106
Views: 11623

Re: My solar investment experience

One item I have not seen mentioned here has anyone had to remove and replace their panels to redo their roof? I have seen some numbers online as high as $6K extra :shock: :shock: I considered solar at one point and could never get a good answer to this, I think because it's not convenient for the s...
by FrugalInvestor
Mon Nov 23, 2020 7:42 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal rate for an early retirement
Replies: 428
Views: 24847

Re: Withdrawal rate for an early retirement

Here's a data point for you.... When most people were perfectly comfortable with a SWR of 4% + inflation rate I retired early using a 3% guideline with no inflation adjustment (for the then foreseeable future). We were also prepared to pull in our horns should a black swan event occur, which happene...
by FrugalInvestor
Mon Nov 23, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Help! Just became a Trustee... Need to understand taxes
Replies: 17
Views: 1366

Re: Help! Just became a Trustee... Need to understand taxes

When, where and by whom was the trust created?

If possible I'd talk to the attorney who created it to get their take on how it might best be managed.
by FrugalInvestor
Thu Nov 19, 2020 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Safety of ACH, or alternative ways?
Replies: 29
Views: 2055

Re: Safety of ACH, or alternative ways?

I believe you will similarly find ACH transfers very useful and freeing. Also, what a great thing to be able to deposit checks by simply taking a picture! Trips to the bank are rare! Hurrah! How do you deposit a check by taking a photo without having a financial app on your phone? I don't do this b...
by FrugalInvestor
Mon Nov 16, 2020 9:14 pm
Forum: Personal Investments
Topic: If you close an account at vanguard will you lose all your past statements on the account?
Replies: 12
Views: 1592

Re: If you close an account at vanguard will you lose all your past statements on the account?

I use the service Filethis.com. It logs into my accounts for me and downloads pdf statements of all my accounts and stores them in my Google Drive account. I'm really happy with this service. It's made the decision to go paperless even more effortless for me. No more scanning in monthly statements....
by FrugalInvestor
Mon Nov 16, 2020 6:02 pm
Forum: Investing - Theory, News & General
Topic: Any chance of V shape recovery?
Replies: 69
Views: 5091

Re: Any chance of V shape recovery?

I think stock market already has had a V shaped recovery. Unfortunately many locally owned small businesses in my community like restaurants, salons and boutiques are closing for good. Definitely not a V for these small businesses. I did but I’m worried that this winter things will get worst. They ...
by FrugalInvestor
Sat Nov 14, 2020 10:12 pm
Forum: Personal Investments
Topic: Vanguard advisory services or other active management advice
Replies: 23
Views: 1375

Re: Vanguard advisory services or other active management advice

My opinion is that you should stop discussing investments with your friend and stay the course assuming you currently have low cost passive investments. Following the current trend is not a good investment strategy.
by FrugalInvestor
Tue Nov 10, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: Best place to purchased LED lightbulbs (not Amazon) and solid manufacturers?
Replies: 26
Views: 2619

Re: Best place to purchased LED lightbulbs (not Amazon) and solid manufacturers?

I had an enclosed fixture in a shower and am fairly certain that I used a Phillips bulb in that one and had no problems with it for the 6-years I was in the house. I bought it at Home Depot.
by FrugalInvestor
Tue Nov 10, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 19986

Re: Is Costco worth the $120 membership?

Great to know, that they can give me the numbers. But it still won't tell me what I would have paid somewhere else, which I think I'd need to know to answer the question. That's a calculation we typically do as a part of the everyday shopping process. If Costco's price isn't good or if their quanti...
by FrugalInvestor
Tue Nov 10, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: Tips or devices to improve posture
Replies: 19
Views: 1497

Re: Tips or devices to improve posture

I have found that the furniture I sit in most of the time definitely impacts my posture over time. For that reason we've changed to buying furniture for our home that is firmer and encourages me to sit in a more upright position rather than being 'cushy' which causes me to sink into it and slouch. A...
by FrugalInvestor
Tue Nov 10, 2020 7:32 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 19986

Re: Is Costco worth the $120 membership?

I've not done a detailed analysis, but suspect that what we buy in coffee, nuts, liquor, occasional produce (raspberries), and gas pretty much pays for it. You don't have to do the analysis. Just stop at the customer service desk and they can give you the numbers. When we check it always works out ...
by FrugalInvestor
Mon Nov 09, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: "Quality" LED bulbs
Replies: 36
Views: 2268

Re: "Quality" LED bulbs

BolderBoy wrote: Mon Nov 09, 2020 4:09 pm Filled two very large trash bags with the CFLs and took them to Home Deport for recycling.
I can proudly say that I skipped that technology and went from incandescents straight to LED (after the prices came down significantly). I hated the CFL "warm up" period.
by FrugalInvestor
Mon Nov 09, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Recently sold house - roof leaking, repairs didn't work, being contacted by buyer
Replies: 128
Views: 13517

Re: Recently sold house - roof leaking, repairs didn't work, being contacted by buyer

Like you I would want to help out, but it's probably best that you don't. I recently sold and rather than helping out after the fact I just tried to leave the house in the best condition that I could. I also put in writing for the buyers lots of information about how things work or who to contact to...
by FrugalInvestor
Mon Nov 09, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Recently sold house - roof leaking, repairs didn't work, being contacted by buyer
Replies: 128
Views: 13517

Re: Recently sold house - roof leaking, repairs didn't work, being contacted by buyer

Edited to add: also, the issue may even be worse than it used to be. Previously it only leaked during heavy rain. Today it sounds like it snowed, and leaked due to that. So besides the buyer I'm also a bit worried the roofer actually messed something up. No, in general roofs cannot be patched/repai...
by FrugalInvestor
Mon Nov 09, 2020 3:19 pm
Forum: Personal Consumer Issues
Topic: "Quality" LED bulbs
Replies: 36
Views: 2268

Re: "Quality" LED bulbs

I've had good luck with the FEIT bulbs from Costco. A small percentage do fail early on and I just take them back and get replacements. After that I've had no problems. Not surprisingly Costco only stocks the most common types. For specialty bulbs like 3-way I've purchased Phillips brand from Home D...
by FrugalInvestor
Fri Nov 06, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: google cloud printing discontinued
Replies: 24
Views: 2362

Re: google cloud printing discontinued

I was able to easily setup my Brother all in one inkjet on my Chromebook and print with it wirelessly. Since you don't have the Brother driver, you don't have every option. However, I could change the basic options like printing on both sides, color/black and white, etc. Using the IP address of the...
by FrugalInvestor
Fri Nov 06, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: google cloud printing discontinued
Replies: 24
Views: 2362

Re: google cloud printing discontinued

I was able to easily setup my Brother all in one inkjet on my Chromebook and print with it wirelessly. Since you don't have the Brother driver, you don't have every option. However, I could change the basic options like printing on both sides, color/black and white, etc. Using the IP address of the...
by FrugalInvestor
Fri Nov 06, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: Chromebook-friendly printer recommendations?
Replies: 9
Views: 910

Re: Chromebook-friendly printer recommendations?

Check out the Epson ET-2720. I got one of these in my capacity as a tech reviewer and it's awesome. It's a totally different concept (ink tank as opposed to cartridges). Black tank of ink costs about $15 and prints about 4500 pages. Package of three colors runs around $25. Combined four colors prin...
by FrugalInvestor
Fri Nov 06, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: google cloud printing discontinued
Replies: 24
Views: 2362

Re: google cloud printing discontinued

You can print from a Chromebook to a wireless printer on your network without Google Cloud Print. This details how: https://support.google.com/chromebook/answer/7225252?hl=en. The main thing you are losing is that printers automatically appeared when signed into your Google account regardless if yo...
by FrugalInvestor
Tue Nov 03, 2020 6:38 pm
Forum: Investing - Theory, News & General
Topic: How on earth can overweighting US stock over international stock possibly be considered Boglehead?
Replies: 253
Views: 16031

Re: How on earth can overweighting US stock over international stock possibly be considered Boglehead?

Bogle was obviously a great man, and we all benefit from his insights and creation of Vanguard in its roughly current form. But on this question, I prefer choices based on logic that I can repeat and update with time, to quoting words from 30 years back. You may prefer pure logic and that may work ...
by FrugalInvestor
Mon Nov 02, 2020 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Would a $1MM inheritance change your retirement plans?
Replies: 113
Views: 10194

Re: Would a $1MM inheritance change your retirement plans?

I would likely spend more, give more and pass along more. I may also retire earlier.
by FrugalInvestor
Mon Nov 02, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: HOA stopping my rental
Replies: 80
Views: 8208

Re: HOA stopping my rental

cheese_breath wrote: Mon Nov 02, 2020 1:55 pm One word... Lawyer
+1 and look for one who specializes in this sort of thing representing homeowners.
by FrugalInvestor
Sun Nov 01, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Can I afford luxury watch?
Replies: 87
Views: 3608

Re: Can I afford luxury watch?

Expensive things don't make you rich. They may cause some people think you have money but that's not the same. If you really want to be rich someday don't buy stuff like the watch today.

And read this book......
https://www.amazon.com/Millionaire-Next ... 1589795474
by FrugalInvestor
Sun Nov 01, 2020 4:00 pm
Forum: Personal Investments
Topic: 1.3M at 30 - what would you do?
Replies: 89
Views: 9810

Re: 1.3M at 30 - what would you do?

Keep doing what you're doing until you get tired of it. I think that's good advice. If you're content why look for something 'more' at this point? Wants, needs, desires and preferences change over time. Continue to accumulate and you'll likely be in a better position to do what you want when the ur...
by FrugalInvestor
Sun Nov 01, 2020 1:57 pm
Forum: Investing - Theory, News & General
Topic: If retired, what's your allocation to fixed income?
Replies: 107
Views: 10363

Re: If retired, what's your allocation to fixed income?

When I early retired I was 60/40. After I was retired for a few years, got nearer to normal retirement age and went through the '08-'09 financial crises I went to 50/50. I learned that going through a severe market downturn is the best way to evaluate one's true risk tolerance. I am now slightly pas...
by FrugalInvestor
Tue Oct 27, 2020 2:22 pm
Forum: Personal Consumer Issues
Topic: Car Batteries
Replies: 127
Views: 5968

Re: Car Batteries

I buy for the warranty, not the battery. In our very hot climate batteries typically last less than 3 years so with a 3+ year non-prorated warranty period I typically at least get two batteries for the price of one. The second failure is usually within the pro-rated period so it may or may not be wo...
by FrugalInvestor
Sat Oct 24, 2020 9:59 pm
Forum: Investing - Theory, News & General
Topic: Friend’s Investment Strategy Envy
Replies: 71
Views: 7405

Re: Friend’s Investment Strategy Envy

I have a small amount of envy hearing about the huge success this strategy has brought him. I feel exactly the same when I hear stories from acquaintances who spend time in Vegas. I have a sneaking suspicion that I'm not getting the whole story. Just saw Normchad's post above....we're on the same w...
by FrugalInvestor
Thu Oct 22, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Motion Sensor for Pantry Closet
Replies: 20
Views: 1916

Re: Motion Sensor for Pantry Closet

As whomever suggests, replacing the existing switch with a motion sensor switch is the simplest and least expensive way to get the functionality you want. As long as the switch is in a location that allows it to sense the movement of someone entering it will do the trick. If you're not handy or unco...
by FrugalInvestor
Thu Oct 22, 2020 7:55 am
Forum: Personal Consumer Issues
Topic: "Bubble level" tool
Replies: 44
Views: 2435

Re: "Bubble level" tool

If the walls and ceilings in your house are not level, square and plumb (which sounds like the case) then you may not want to truly level the bookcases. What often matters most is how things look in relation to one another. Leveling your bookcases may just draw attention to the fact that your ceilin...
by FrugalInvestor
Tue Oct 20, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: do doctors/hospitals HATE Medicare Advantage (as payers)
Replies: 126
Views: 10758

Re: do doctors/hospitals HATE Medicare Advantage (as payers)

What I personally don’t like is it’s much more difficult to get approval for certain things for my Medicare advantage patients in the outpatient setting. Occasionally can’t get things approved that straight Medicare would easily cover. Ah right, the approval problem. I had MA for one year when I fi...
by FrugalInvestor
Tue Oct 20, 2020 11:10 pm
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 73
Views: 7251

Re: Pilot, Highlander or CX-9

To the OP...we felt the same about the same about the CX-9 when we were looking a couple of years ago. We found that if felt more upscale and drove much better than the direct competitors. We also compared it to the Lexus RX350 and then new model Acura RDX and found it superior in many ways....so we...
by FrugalInvestor
Tue Oct 20, 2020 11:05 pm
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 73
Views: 7251

Re: Pilot, Highlander or CX-9

sambb wrote: Sun Jun 28, 2020 3:28 pm does the cx9 have the blind spot monitor in the head up display in the 2019 model?
We have a 2019 Grand Touring model and yes, it does.