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Re: Buying in ok neighborhood vs good neighborhood

My observation is that "crime areas" tend to expand over time. I grew up in a working class neighborhood in the forties and early fifties. It was a great place to grow up. The closest crime area was about 6 miles away. The crime area slowly expanded and engulfed the neighborhood over the ...
by rec7
Tue Jul 22, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1664

Re: Buying in ok neighborhood vs good neighborhood

I am 8 miles from the high crime area and some people think that is to close. 8 blocks would be to close for me for that kind of money.
by rec7
Tue Jul 22, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1664

Re: Hw many credit cards to own?

2 am thinking about going to one.
by rec7
Mon Jul 21, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 68
Views: 3789

Re: Have you quit your job because of your boss?

I had a bad boss that wanted to get into your personal life and brag. He would ask you where you lived? How much your rent was? Then proceeded to tell you that area was ***** and why didn't you rent something for 2x or 3x times more. The area was not ***** he just liked a fancy area. Then he would t...
by rec7
Mon Jul 14, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7081

Re: Neighbor's ugly overgrown bushes and fence

Offer to buy him a new fence. It will cost you some but so do all these other ideas. It will look better than these other ideas.
by rec7
Mon Jul 14, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3199

Re: Who else hates choosing a car?

Hi, It is very simple for me. When I need a car, I buy new Nissan Altima. I pay around $22K for my 2014 Altima. I have a 2006 Altima too. I had bought 3 new Altima so far. I found that Nissan Altima to be great value for the money at that price range. And, nothing had changed my mind so far... Klan...
by rec7
Sun Jul 13, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6321

Re: Who else hates choosing a car?

I know what you mean. I have bought to small and to large. I think that is one reason people keep their old car so long.
by rec7
Sat Jul 12, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6321

Re: Who will be the Vanguard of the annuity world?

Original question. Maybe Vanguard, but Vanguard is just the marketer not the underwriter. The question is Monumental Insurance, a div of TransAmerica, subsidary of AXA, what will be the payout? I have a Vanguard Variable Annuity. Won't go into all the reasons why and if I could walk that dog back I...
by rec7
Fri Jul 11, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Who will be the Vanguard of the annuity world?
Replies: 27
Views: 3642

Re: Neighbor's Fireworks

I like the guy that said wet down the roof on the 4th. Then pick up the trash the next day. Your could get a heart attack shoveling that snow and then where would you be? If you raise a stink I think you will be the one who loses in the long run. Put it this way you shovel my snow you can light all ...
by rec7
Sun Jul 06, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4353

Re: Do you tell your kids how much you make?

There are very few secrets since the internet came along. Nothing like the pre-internet days.
by rec7
Sat Jul 05, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 5904

Re: Neighbor's Fireworks

If that is the only thing they do I would clean it up. I would be thankful I did not have a real crazy neighbor. Remember it is only once a year.
by rec7
Sat Jul 05, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4353

Re: Continue subscribing to local newspaper?

Don't bother reading the local paper. I find the news to be a joke. All I need to know is financial law changes and is a tornado coming. I do listen to Clark Howard because I find him interesting. They says ignorance is bliss. I agree.
by rec7
Fri Jul 04, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6132

Re: The Millionaire Next Door: Are You One?

I drive a 1999 Toyota Camry. I could easily afford a new car, and yet somehow, I just can't bring myself to buy a new car when my old one seems to be running fine. 1999 vehicle crash test safety compared to any 2015 model--no matter how expensive--is vastly inferior. That reason alone is enough to ...
by rec7
Thu Jul 03, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22211

Re: do you lie about your finances to friends

[/quote] Some of my closer friends have concluded we're "rich" or "well off" because we don't say anything about our finances. We let them assume what they will, but the truth is we are just frugal (not cheap).[/quote] It is a funny what can happen to the secretive people out the...
by rec7
Thu Jul 03, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 8892

Re: I found a new coffee.

Question for the coffee people out there. Is dark roasted coffee better for people than a light roasted one? I know the dark roasted coffee has less caffeine.
by rec7
Thu Jul 03, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5248

Re: I am thinking of buying Ooma or Magicjack need help deci

I do not own a cell phone. I might be one of the last hold outs LOL. Do you guys think 5MB is fast enough?
by rec7
Thu Jul 03, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2958

Re: I am thinking of buying Ooma or Magicjack need help deci

am wrote:Have used magic jack for about one year with rare call quality problems, but otherwise great. When I make the call again, problem goes away. Can not believe I paid for a land line all those years!


What internet speed do you have? I have 5MB and am checking to see if that is fast enough.
by rec7
Tue Jul 01, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2958

I am thinking of buying Ooma or Magicjack need help deciding

I am thinking of buying Ooma or Magicjack but can't make up my mind. Which do you like better? It will be my only phone.
by rec7
Tue Jul 01, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2958

Re: do you lie about your finances to friends

Ron wrote:No need to lie - I have no friends (really) :mrgreen:

- Ron


I think there is a lot of truth to that in this modern world we live in.
by rec7
Tue Jul 01, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 8892

Re: The Millionaire Next Door: Are You One?

All my neighbors are multimillionaires, but I have no clue to their actual net worth. It could be as low as $2 million and probably as high as $30 million. I just don't know. Some do drive Camrys and Civics, etc. But others drive other vehicles. Sounds like a nice place Livesoft. Where I live I wou...
by rec7
Sun Jun 29, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22211

Re: Fed up with ATT

I use Magic Jack. I had my old home # ported over for a one-time charge. The device costs ~$49 or so and the VOIP service is $20 per year. I have it connected to my house phones with the answering machine, so that takes care of screening out the sales calls. Works like a charm at an extremely low c...
by rec7
Thu Jun 26, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 47
Views: 3727

Re: Fed up with ATT

I use Magic Jack. I had my old home # ported over for a one-time charge. The device costs ~$49 or so and the VOIP service is $20 per year. I have it connected to my house phones with the answering machine, so that takes care of screening out the sales calls. Works like a charm at an extremely low c...
by rec7
Wed Jun 25, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 47
Views: 3727

Re: Anyone switch to non-branch banking?

These are the days we live in, unfortunately. My old HSBC online savings account was paying 6.0% back in 2005 or so. Anything in the 0.75% to 1.25% range is about as good as you'll find right now Man, that brought back pleasant memories of 5-6% money market savings accounts. Last I checked HSBC was...
by rec7
Wed Jun 25, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 54
Views: 4315

Re: Poll: Dave Ramsey - Harmful or helpful?

He is not a Boglehead but getting out of debt and investing would still put a person way ahead of someone with CD's. He does not like bonds but that should be ok for several years to come. Not the end of the world as I see it. But I still like being a Boglehead a lot better. I voted helpful over all...
by rec7
Sun Jun 22, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5062

Re: water bottles and road trip

I think the plastic in the 5 gallon size is not as bad for you as the plastic in the small bottles.
by rec7
Sat Jun 21, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 1813

Re: water bottles and road trip

I put the 5 gallon size on the seat that way it is in the AC part of the day. But I guess the small bottles would be safer in a wreck.
by rec7
Sat Jun 21, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 1813

Re: It is time to retire when you .......

The Wizard wrote:...when work increasingly interferes with my Personal Life...


Yes but that started in my 20's LOL
by rec7
Fri Jun 20, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9636

Re: What smartphone plan do you use?- off contract

Can you port a land line number to a cell phone? We have had the same number a long time and would like to keep it.
by rec7
Tue Jun 17, 2014 11:28 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5406

Re: Should we or shouldn't we make a move at this age?

300k is alot to move one block.
by rec7
Mon Jun 16, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should we or shouldn't we make a move at this age?
Replies: 37
Views: 2883

Re: Convince me to visit Italy

Need I say more? 8-) http://www.hghstrip.com/wp-content/uploads/2012/06/most-beautiful-Italian-actress-Sophia-Loren.jpg Is she the lady on CNBC? Please tell me you were joking. She does kind of look like her. https://www.google.com/search?q=maria+bartiromo+images&es_sm=93&tbm=isch&imgil...
by rec7
Mon Jun 16, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5335

Re: Convince me to visit Italy

siamond wrote:Need I say more? 8-)

Image


Is she the lady on CNBC?
by rec7
Sun Jun 15, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5335

Re: Buffett chooses S&P 500

It would be fun to know what the dividends would be on that kind of money for Mrs. Buffett. Much better tax treatment than CD's. It is kind of funny but you could not put the dividends in a bank because it would be way over the 250k limit. A person would have to put it in the money market then move ...
by rec7
Sun Jun 15, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett chooses S&P 500
Replies: 16
Views: 2455

Re: European Central Bank short term interest now -0.10%

Phineas J. Whoopee wrote:
rec7 wrote:I am scared to ask what their CD rates are.

This link may help.
PJW


It is kind of funny but they are higher than we are in the US.
by rec7
Fri Jun 06, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: European Central Bank short term interest now -0.10%
Replies: 12
Views: 1118

Re: European Central Bank short term interest now -0.10%

I am scared to ask what their CD rates are.
by rec7
Fri Jun 06, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: European Central Bank short term interest now -0.10%
Replies: 12
Views: 1118

Re: Favorite guitarist...

by rec7
Tue Jun 03, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 187
Views: 18885

Re: Problem With New VCR Tapes

I still use my VCR but find that the new tv's will not play the slow format(six hours long) but will play the quick one(two hours) ok. There is nothing wrong with the tapes because they work fine on old tv's. Can you or someone say more about this? I have a cardboard moving box full of VHS and Beta...
by rec7
Mon Jun 02, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 28
Views: 2843

Re: does frugality result in lower career ambition?

Do you believe that living a frugal lifestyle can sometimes result in having less career ambition? If you can learn to live and save on less, and not have to worry about keeping up with Joneses, you don’t need as high of a salary. Therefore, you may be reluctant to put in the extra hours and keep c...
by rec7
Mon Jun 02, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8351

Re: Problem With New VCR Tapes

I still use my VCR but find that the new tv's will not play the slow format(six hours long) but will play the quick one(two hours) ok. There is nothing wrong with the tapes because they work fine on old tv's. Can you or someone say more about this? I have a cardboard moving box full of VHS and Beta...
by rec7
Mon Jun 02, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 28
Views: 2843

Re: Will you obtain same result if you use a Life Strategy F

80/20 LS Growth 75/25 75/25 LS Growth/LS Moderate Growth 70/30 50/50 LS Growth/LS Moderate Growth 65/35 25/75 LS Growth/LS Moderate Growth 60/40 LS Moderate Growth 55/45 75/25 LS Moderate Growth/LS Conservative Growth 50/50 50/50 LS Moderate Growth/LS Conservative Growth 45/55 25/75 LS Moderate Gro...
by rec7
Sat May 31, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Will you obtain same result if you use a Life Strategy Fund
Replies: 28
Views: 3383

Re: Will you obtain same result if you use a Life Strategy F

Anybody doing LifeStrategy Conservative Growth and LifeStrategy Moderate Growth for a 50/50 mix? I have thought about doing it. These fund seem great for honey when I die put the money in this LifeStrategy fund or these two LifeStrategy funds if you want the 50/50 mix.
by rec7
Sat May 31, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Will you obtain same result if you use a Life Strategy Fund
Replies: 28
Views: 3383

Re: Would you work without pay?

"Would you work without pay?" For God yes for man no.
by rec7
Fri May 30, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you work without pay?
Replies: 63
Views: 4007

Re: Hiring someone versus painting yourself

Call family or friends to help you for a weekend. Buying a case of beer and a few pizzas for the group is cheaper than hiring it out. The problem with that thinking is that you put yourself on the hook to repay in kind X however many you invite. That's right you might end up painting five houses fo...
by rec7
Wed May 28, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Hiring someone versus painting yourself
Replies: 51
Views: 4225

Re: Cash in Safe Deposit Box..??

Recently a friend told me he keeps cash in a bank safe deposit box (SDB) because he likes having cash "on hand", but likes having it away from home in case of fire, theft, flood, etc. I told him his cash is losing value (inflation), and that a SDB (for which he pays $40/year) offers littl...
by rec7
Wed May 28, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash in Safe Deposit Box..??
Replies: 52
Views: 2919

Re: Low cost retirement options

Missouri is low cost but humid. How is humidity for COPD?
by rec7
Mon May 26, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: Low cost retirement options
Replies: 21
Views: 2627

Re: Worst "Large purchase" ever?

Barefootgirl wrote:A 2008 Nissan Altima

BFG



Did you get a lemon?
by rec7
Sun May 25, 2014 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 11614

Re: Hiring someone versus painting yourself

Do you guys use primer?
by rec7
Sun May 25, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Hiring someone versus painting yourself
Replies: 51
Views: 4225

Re: Low cost retirement options

A large Missouri town might be the ticket for you if the weather does not bother you. Money wise it sounds like it might work.
by rec7
Sat May 24, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Low cost retirement options
Replies: 21
Views: 2627

Re: Adding AC freon to a Chevrolet Beretta with 2.2 engine

I guess 48 degrees on a car this old is not bad.
by rec7
Sat May 24, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Adding AC freon to a Chevrolet Beretta with 2.2 engine
Replies: 11
Views: 563

Re: Adding AC freon to a Chevrolet Beretta with 2.2 engine

It is 134a.
THY4373 wrote: Also I am curious as to how you fixed the leak normally that would take discharging the system first to correct.


I found out it had a value that was sticking sometimes. The system uses 134a
by rec7
Sat May 24, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Adding AC freon to a Chevrolet Beretta with 2.2 engine
Replies: 11
Views: 563
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