Bogleheads.org

FrugalInvestor

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 ...

FrugalInvestor

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 ...

FrugalInvestor

I'm boring.

FrugalInvestor

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. ...

FrugalInvestor

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...

FrugalInvestor

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 ...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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.

FrugalInvestor

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.

FrugalInvestor

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...

FrugalInvestor

4111.1

FrugalInvestor

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...

FrugalInvestor

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FrugalInvestor

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'...

FrugalInvestor

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...

FrugalInvestor

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.

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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.

FrugalInvestor

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...

FrugalInvestor

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....

FrugalInvestor

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 ...

FrugalInvestor

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.

FrugalInvestor

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.

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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 ...

FrugalInvestor

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.

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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 ...

FrugalInvestor

This may be helpful....
https://www.youtube.com/watch?v=f0rryD_7hqc

FrugalInvestor

I would likely spend more, give more and pass along more. I may also retire earlier.

FrugalInvestor

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.

FrugalInvestor

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

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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...

FrugalInvestor

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.

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