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Re: Is investing more risky today today than before the inte

I would guess more risky because people can sell so easy.
by rec7
Mon Nov 17, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 29
Views: 2542

Re: Investing in Chocolate? New to all of this.. need help.

Forget about Chocolate other than in your hot chocolate or latte. Only sip your chocolate investments like me.
by rec7
Mon Nov 17, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Chocolate? New to all of this.. need help.
Replies: 23
Views: 2405

Re: What Book Are You Currently Reading? Part VI

The Holy Bible I read four chapter a day that is reading the whole Bible with many days to spare each year. Of course when I finish I just start over in Genesis. I do this each year. Since I started three years ago I have lost interest in reading other books.
by rec7
Sun Nov 16, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 170
Views: 15728

Re: Food Frugality: Where do you draw the line?

jlawrence01 wrote:^^^^

In Amish areas, there are a good number of surplus grocers that sell organics for a fraction of the mega-supermarket chains.



Anyone know of a surplus grocer in an Amish area of Missouri?
by rec7
Thu Nov 13, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6152

Re: Investing Advice on the Radio - Wish they would go away

Turn your wife on to Clark Howard.
by rec7
Thu Nov 13, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing Advice on the Radio - Wish they would go away
Replies: 19
Views: 1701

Re: Good books about Warren Buffett?

This thread will be actionable when I order the book from the library.
by rec7
Wed Nov 12, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Good books about Warren Buffett?
Replies: 18
Views: 933

Re: Local bank without any checking account fees?

My friend it sounds like you are looking for a good local credit union. http://creditunionaccess.com/TX-Houston ... unions.htm

I would call some of the larger ones I am sure they can help you.
by rec7
Mon Nov 10, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2210

Re: Brother involved with golddigger

An Immediate annuity might be the answer for him. That would help some with a golddigger. At least she would not be able to get to a big pile of money all at once.
by rec7
Sun Nov 09, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother involved with golddigger
Replies: 37
Views: 8191

Re: When do you buy a new home computer?

This is my longest running desktop a dell running 7 years. Tomorrow I am taking my Dell desktop that I bought in 2000 to the electronics recycler. I decommissioned it in the spring when XP went off support. I probably could have run it longer with Linux but the video card didn't work (second one th...
by rec7
Fri Nov 07, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 3963

Re: When do you buy a new home computer?

This is my longest running desktop a dell running 7 years.
by rec7
Fri Nov 07, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 3963

Re: Uber Car and the real cost of driving

Do the Uber drivers compete on price with each other? I have not used uber.
by rec7
Fri Nov 07, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2754

Re: Uber Car and the real cost of driving

Can you use an old car and be a uber driver? I am guessing insurance would be expensive.
by rec7
Fri Nov 07, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2754

Re: Oil change costs--dealer vs other

A local shop does it for $20-$22 The last time I bought the filter and they did it for $18
by rec7
Fri Nov 07, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2214

Re: Sitting on the fence to retire...

Looks good but I was not able to enter stock and bond % maybe it is not working right now. try making the page wider, and refresh or run one sim and get the error -- the boxes have numbers in them but they are too narrow in my default broswer width, but get wider afterwards. That's the correct answ...
by rec7
Thu Nov 06, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sitting on the fence to retire...
Replies: 21
Views: 1998

Re: Sitting on the fence to retire...

zaboomafoozarg wrote:
HoosierJim wrote:Run some scenerios yourself at Firecalc


Or cfiresim.com - I find that one is easier to view and edit, because it puts everything on a single page.


Looks good but I was not able to enter stock and bond % maybe it is not working right now.
by rec7
Thu Nov 06, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Sitting on the fence to retire...
Replies: 21
Views: 1998

Re: Planning to Retire at 55

tainted-meat wrote:Man, I could live high on the hog with that pension alone. Nice!


So true I could live good on that with no other money. Pensions are great if you are lucky enough to have one.
by rec7
Thu Nov 06, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Planning to Retire at 55
Replies: 22
Views: 3423

Re: What do you set your thermostat to (in F)?

Gill wrote:At the moment, it is completely off - no heat and no air conditioning.
Gill


That is my favorite time of the year but here in Missouri that is about 3 months total a year. 1.5 months each in the spring and fall.
by rec7
Tue Nov 04, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4456

Re: What do you set your thermostat to (in F)?

65 feel good to us.
by rec7
Tue Nov 04, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4456

Re: Very few kids in our neighborhood-Thoughts?

No kids in our neighborhood when we moved in but 25 years later I know where 7 live. Neighborhoods do this as they age. We moved into a neighborhood that was 28 years old at the time.
by rec7
Tue Nov 04, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Very few kids in our neighborhood-Thoughts?
Replies: 29
Views: 3245

Re: Homeowners Policy Increased 26% in 2 Years

It would be a blessing not to buy insurance. Maybe if a person had a cheap house they could only buy car insurance.
by rec7
Tue Nov 04, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners Policy Increased 26% in 2 Years
Replies: 29
Views: 2580

Re: Would you invest in taxable active funds if you had no i

This fund does very well in bears and that might be worth more to me. Of course it does since it is a balanced fund. M* reports it is 23% cash, 13% bonds. One could find an index fund with similar asset allocation or one could build their own index fund portfolio with a similar asset allocation. It...
by rec7
Sat Nov 01, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in taxable active funds if you had no incom
Replies: 15
Views: 926

Re: Would you invest in taxable active funds if you had no i

This fund does very well in bears and that might be worth more to me. Of course it does since it is a balanced fund. M* reports it is 23% cash, 13% bonds. One could find an index fund with similar asset allocation or one could build their own index fund portfolio with a similar asset allocation. It...
by rec7
Sat Nov 01, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in taxable active funds if you had no incom
Replies: 15
Views: 926

Re: Would you invest in taxable active funds if you had no i

This fund does very well in bears and that might be worth more to me.
by rec7
Sat Nov 01, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in taxable active funds if you had no incom
Replies: 15
Views: 926

Would you invest in taxable active funds if you had no incom

Would you invest in taxable active funds(not index funds) if you had no income and a ten years living expenses in bucket one? This would put me at the point of almost no taxes or very low taxes.
by rec7
Sat Nov 01, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in taxable active funds if you had no incom
Replies: 15
Views: 926

Re: When Capital gains are paid out on a fund does the share

Thanks everyone for helping me understand. There are a couple of non index funds I like but this point drives me crazy about them. You can get big tax bill and nothing to show for it. Also they might no have capital gains for several years then have a huge gain one year causing you to have a big ta...
by rec7
Sat Nov 01, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1177

Re: When Capital gains are paid out on a fund does the share

What I love about index funds is you control your taxes that is not true with active managed funds.
by rec7
Fri Oct 31, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1177

Re: Homeowners Policy Increased 26% in 2 Years

It does strike me, too, that insurance pricing is getting more and more like cable/satellite pricing. That is, when you call and threaten to cancel, they "magically" find some way to shave a couple hundred off your bill. The last time I called State Farm, they "discovered" that ...
by rec7
Fri Oct 31, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners Policy Increased 26% in 2 Years
Replies: 29
Views: 2580

Re: When Capital gains are paid out on a fund does the share

I have a very low income but these funds can still cause me to have a large tax bill. I thought I would be in good shape with my low income but that only protected me so much.
by rec7
Fri Oct 31, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1177

Re: When Capital gains are paid out on a fund does the share

placeholder wrote:Just to clarify we're talking about capital gains distributions not realized gains from share value appreciation.


Yes it is a capital gains distribution.
by rec7
Fri Oct 31, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1177

Re: When Capital gains are paid out on a fund does the share

Thanks everyone for helping me understand. There are a couple of non index funds I like but this point drives me crazy about them. You can get big tax bill and nothing to show for it. Also they might no have capital gains for several years then have a huge gain one year causing you to have a big tax...
by rec7
Fri Oct 31, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1177

Re: When Capital gains are paid out on a fund does the share

So if I had a fund that had a 60k capital gain in one year I would have a tax bill but no more money in the fund.
by rec7
Fri Oct 31, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1177

When Capital gains are paid out on a fund does the share

When Capital gains are paid out on a fund does the share price drop?
by rec7
Fri Oct 31, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1177

Re: Family Car Insurance Review Requested

It is hard to go on a message board to determine whether the rates seem reasonable since MOST auto insurance is based on the specific area codes. I would NOT recommend GEICO as the three times I have sought quotes, I have experienced the "hard sell.". That is not a good way to purchase a ...
by rec7
Wed Oct 29, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Car Insurance Review Requested
Replies: 20
Views: 1019

Re: Family Car Insurance Review Requested

Call Geico I think you will be shocked. Please update us if you do. They were 25% less for me.
by rec7
Tue Oct 28, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Car Insurance Review Requested
Replies: 20
Views: 1019

Re: How much do you keep in bucket one for those that use th

OP: Working on your initial premise (retiring at 55), 7.5 years would posit 100% equities at age 62 1/2. I, for one, would not regard that as "safe". You might consider the impact of "sequence of returns" (many threads and posts herein). If you have a FI "bucket" which...
by rec7
Mon Oct 27, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in bucket one for those that use the
Replies: 7
Views: 1300

Re: How much do you keep in bucket one for those that use th

the stock market surpassed its 1929 precrash high in March 1937 — 7½ years later

I was thinking of this much or more so I could sleep well at night. If you have 7.5 years in bucket one should you be able to put all your other money in the market would that be safe?
by rec7
Mon Oct 27, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in bucket one for those that use the
Replies: 7
Views: 1300

How much do you keep in bucket one for those that use the

How much do you keep in bucket one for those that use the bucket system? If I retired at 55 would 55% be to high because I don't like bonds. I would like to put 55% in CD's. That would be about 19 years in bucket one.
by rec7
Mon Oct 27, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in bucket one for those that use the
Replies: 7
Views: 1300

Re: Store or cut up un-needed credit cards?

tc101 wrote:I have had some cards for years with no activity and they don't get closed. The companies send me new cards.


Are they big name banks? I heard some can get closed with one year of no use.
by rec7
Sun Oct 26, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Store or cut up un-needed credit cards?
Replies: 28
Views: 2535

Re: Gross Yearly Income needed in Retirement (Speculation)

We need about 16k a year. Umm, $16k a year is way low for one person, not to mention a We. I know someone who pays just over $800 a month for ACA health insurance in retirement (not eligible for Medicare). And that's just one expense category. You are not factoring in all expenses to get that numbe...
by rec7
Sat Oct 25, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12879

Re: How often do you change your car's oil?

Every 5000 miles like the manual says, give or take a few hundred. I doubled the amount of recommended time and miles. I think the only purpose of the oil is to cool down the engine, which does not need new oil. Technically the engine is cooled via the radiator. :wink: The oil is there for lubricat...
by rec7
Fri Oct 24, 2014 6:27 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 10912

Re: How often do you change your car's oil?

Every ~5000 miles or earlier if the oil looks especially dirty using non-synthetic. I have been known to go longer if the oil looks fairly clean. Years ago I used to just change it when it didn't really look like oil anymore. :D Personally, I think in most modern engines you are going to break some...
by rec7
Fri Oct 24, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 10912

Re: What is the best way to sell guns and get the best price

Be very careful to comply with all local, state, and federal firearm transfer laws. Be especially careful when transferring across a state line. Consult a licensed firearms broker or local law enforcement to make sure you're doing things properly. I should have added that I own no handguns. Let's s...
by rec7
Tue Oct 21, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1118

What is the best way to sell guns and get the best price?

I have several hunting guns that I no longer use or need. What is the best way to sell guns and get the best price?
by rec7
Tue Oct 21, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1118

Re: Advice sought for $6M investment

If I were you I would quit working tax problems solved.
by rec7
Mon Oct 20, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3753

Re: How do you wash your car?

I wash my car about twice a year.
by rec7
Mon Oct 20, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7080

Re: Is it possible to have a favorite movie

I said It's a wonderful life but it was a close call between it and Ben Hur.
by rec7
Sat Oct 18, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3275

Re: Is it possible to have a favorite movie

It's a wonderful life. I love all the up's and down's in it. I also like how one man's life has so much meaning in it.
by rec7
Fri Oct 17, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3275
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