Search found 1042 matches

by Cosmo
Sun Jan 08, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes for the first time--Please help!
Replies: 33
Views: 1913

Re: Doing taxes for the first time--Please help!

May I suggest an even bolder proposal? Can you do your taxes by reading the Form 1040 instructions and filling out the return with a pencil? That is really the only way you are going to get your first benefit about learning. IRS Publication 17 will get you started. irs.gov has all the forms and ins...
by Cosmo
Wed Dec 28, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 8357

Re: How to get rid of your belly........

Silverado wrote:
rgs92 wrote:I saw comments that fruit can add a lot to your weight. I thought fresh fruit (not juices) was a good thing. What is true here?


Fruit has calories, so too much is too much.


Too much of anything is not good.
by Cosmo
Mon Dec 26, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 8357

Re: How to get rid of your belly........

Cut sugar out completely and also eliminate bread, pasta, and other grains including beer. Google paleo diet...Mark's Daily Apple is helpful. If you haven't tried before, you'll get great results. Mark's Daily Apple is actually a variation of the Paleo Diet or Primal. The difference here is on the ...
by Cosmo
Mon Dec 26, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 8357

Re: How to get rid of your belly........

I started the Primal Diet back in June, which is a high fat and protein diet but cutting out sugars and ALL grains. Basically all your carbs are coming from fruits and vegetables, which means you really need to increase your intake of these. I love eggs and consume over a dozen a week. I quickly los...
by Cosmo
Sat Dec 10, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 9818

Re: Warning: BH may be hazardous to your financial health

I've saved so much money not having a Costco nor Sams membership and not buying Vitamix, Echo watches, and other junk that I can afford a Netjets subscription which is actually useful to me. Do you recommend something else other than a Vitamix? I've been using my blender to make smoothies, but hone...
by Cosmo
Sat Dec 10, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 9818

Re: Warning: BH may be hazardous to your financial health

stlutz wrote:You need to spend more time here so you don't have time to shop.


+1 Agreed. See Livesoft and his 50,000+ posts. :D
by Cosmo
Sat Dec 10, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: ADT raising rates - should I cancel?
Replies: 19
Views: 1840

Re: ADT raising rates - should I cancel?

new2, Call ADT and tell them a friend (me) went from $55 to $43 mo. last yr..I've been with them 7yrs. and still happy with the service. I betcha they work it out for ya.....rockon' 8-) Haha.. thanks will do. Thanks for the suggestions to call, will call on monday. We have ADT as well. If you would...
by Cosmo
Sun Dec 04, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 48
Views: 4467

Re: Not happy with my realtor

I'm a buyer and he's shown me 5 or 6 houses. I'm looking in a particular and relatively small neighborhood. Would it be unreasonable or inappropriate for me to ask him to contact the homeowners there to see if any might be interested in selling? Maybe I should stop thinking of him as my advocate. T...
by Cosmo
Thu Dec 01, 2016 6:14 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 33
Views: 3230

Re: Buy iPhone 7 or Wait for iPhone 8

Experts are speculating that iPhone 8 will be released in September 2017. Who's waiting till then for a phone upgrade? Well by the time it is September 2017, they will be working on the iPhone 9 for the following year. Why buy the iPhone 8 then when you can't wait and get an even better iPhone 9? :...
by Cosmo
Wed Nov 30, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Replace AC Coil?
Replies: 18
Views: 1253

Re: Replace AC Coil?

I live in Texas. When we first moved in, we were told our coil had a pin hole leak and would eventually need to be replaced. I think we were quoted $1,500 or something. However the unit was reaching its life expectancy so it did not make sense just to replace the coil. So we ended up doing nothing. ...
by Cosmo
Wed Nov 30, 2016 6:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 5185

Re: livesoft is almost at 50,000 posts...

Congrats Livesoft.
by Cosmo
Wed Nov 30, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Naive question about laptop repair
Replies: 13
Views: 1094

Re: Naive question about laptop repair

But hey if you're looking for a project, $25 is not going to break the bank. Yeah, exactly, which is why I would not offer more (though they are asking for $150 or so. "or best offer"). I already bought a new computer, so I don't need this one. I just came across it when shopping for the ...
by Cosmo
Wed Nov 16, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Which cell phone for 13 year old?
Replies: 59
Views: 3256

Re: Which cell phone for 13 year old?

Reluctantly I realize it's time for our 13 year old to have a cell phone. I'd like to have pretty inexpensive, and have a limit to minutes/data. No "family plan", just a single phone. I was thinking about one of those Wal-Mart Tracfones, any thoughts on that or other suggestions? Thanks! ...
by Cosmo
Tue Nov 01, 2016 7:17 pm
Forum: Personal Consumer Issues
Topic: Texas [road trip]
Replies: 63
Views: 4009

Re: Texas

West Texas can be very scenic, places like Alpine, Marfa, Fort Davis, Lajitas, Terlingua, all the Big Bend area, .... When the desert blooms, there is a flower for a every square foot of land and they go on and on for miles and miles. But when the desert is not in bloom, there is ... wait for it .....
by Cosmo
Sun Oct 23, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: The Motley Fool vs. Jason Zweig
Replies: 18
Views: 3589

Re: The Motley Fool vs. Jason Zweig

I'm guessing this post will be locked soon as it is not actionable.
by Cosmo
Sun Oct 23, 2016 8:14 am
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 13015

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

You'd have to pay me a lot more than $50 to deal with Treasury Direct, that's for sure. From the Treasury Direct Survey Results on the website: Excellent 64% Good 25% Fair 6% Poor 5% You are clearly in the minority on this. You mean in the minority of people who can access their account, which is t...
by Cosmo
Sat Oct 22, 2016 6:20 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 13015

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

Kevin - almost none of this is worth it. An optimally timed and purchased I bond might be equivalent to a 1.5% 1 year CD, say in comparison to a 1% bank CD. After the first year, inflation will likely be back down again and these will be unattractive or at least no better than other options. Given ...
by Cosmo
Mon Aug 22, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Why don't ultra high net worth athletes just use a 3-fund portfolio?
Replies: 30
Views: 2661

Re: Why don't ultra high net worth athletes just use a 3-fund portfolio?

78% of NFL players are broke or commit suicide 2 years after retirement : https://en.wikipedia.org/wiki/Personal_finances_of_professional_American_athletes You didn't bother to keep reading. Further down... "A Fortune magazine article states, however, that a working paper from the National Bur...
by Cosmo
Mon Aug 22, 2016 5:11 am
Forum: Investing - Theory, News & General
Topic: How will you survive a melt up in stocks?
Replies: 10
Views: 2703

Re: How will you survive a melt up in stocks?

http://awealthofcommonsense.com/2016/08/how-to-survive-a-melt-up/ I thought this was Bogle Head type advice that would be beneficial to readers here, especially new ones. ... 1. Don't change your strategy 2. Stay within your comfort zone. 3. Avoid chasing yield and substitutes 4. Don’t own more sto...
by Cosmo
Fri Aug 05, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: Exxon Speedpass
Replies: 5
Views: 757

Re: Exxon Speedpass

Thank you everyone for your feedback. Wageoghe the iPhone app sounds intriguing. I had no idea there was something like that.

Cosmo
by Cosmo
Thu Aug 04, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: Exxon Speedpass
Replies: 5
Views: 757

Exxon Speedpass

I have recently had my credit card compromised at a local Shell or at least I strongly suspected it was there. Since Exxon gas stations are so prevalent around here, I am curious if anyone uses Exxon Speedpass to purchase gas. Given the stories I have been hearing about people getting their credit c...
by Cosmo
Thu Aug 04, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: Vanguard Swag ?
Replies: 23
Views: 3785

Re: Vanguard Swag ?

I want the Vanguard bike jersey, but I want it priced like their mutual funds: at cost. $90 for a bike jersey is average retail. That's not Vanguardish at all. In fact, I'll take it a step further, it should be steeply discounted. Free advertising for them. Imagine all of the "hits" they ...
by Cosmo
Fri Jul 22, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Term life insurance - "overinsured" definition
Replies: 13
Views: 1224

Re: Term life insurance - "overinsured" definition

Most of the advice I was able to find to determine term life insurance amount was either A) buying enough to cover current liabilities (mortgage, student loans) and future liabilities (children's college tuition, vacation home), or B) a multiple of income (10x income). Isn't overinsuring defined by...
by Cosmo
Sat Jul 16, 2016 4:52 pm
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 5358

Re: "Pokemon Go" -- should buying Nintendo have been obvious?

Nintendo ( NTDOY ) stock price has been hanging around $18 per share all year. The Pokemon Go app was released on Wednesday, July 6. On Friday, it closed at $20 and opened Monday at $27. Today is July 15 and it just closed at $33. If "all known information" was already baked into the $18 ...
by Cosmo
Sat Jul 09, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 3065

Re: Mice in my grill

It looks like mice have been nesting in my grill. I keep it covered up and keep it clean including the grease trap. Anybody else have this problem? How do you get rid of them? And please don't say get a cat as that is not an option for me. I found that snakes reduce the mice population. :happy Seri...
by Cosmo
Sat Jul 09, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 3065

Re: Mice in my grill

It looks like mice have been nesting in my grill. I keep it covered up and keep it clean including the grease trap. Anybody else have this problem? How do you get rid of them? And please don't say get a cat as that is not an option for me. I found that snakes reduce the mice population. :happy Seri...
by Cosmo
Sat Jul 09, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 5540

Re: Fidelity customers: Have you experienced pressure to buy active funds?

I have a 401(k) with Fidelity and have been there for 14 years. While I have never had anyone reach out to me suggesting funds, I get numerous emails all the time that my portfolio is way to conservative and that I may not have enough money to retire. I just don't get how they can assume what my ent...
by Cosmo
Mon Jul 04, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Bmo Harris $500 bonus
Replies: 7
Views: 1717

Re: Bmo Harris $500 bonus

am wrote:Seems like 10K in the MM for 3 months and $200 may be worth it? Not sure I want to have my check go there for 3 months?



Check with your employer. My employer lets me to split my check and do DD to multiple sources. Cosmo
by Cosmo
Sun Jun 26, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 12642

Re: What did you learn from the post-Brexit bloodbath?

I'm chuckling a little bit that Bogleheads are referring to Brexit in the past tense. I think it remains to be seen what the full impact will be. I'm guessing the impact will be more than one day of market activity. This was exactly my first thoughts. We didn't learn anything from it because it is ...
by Cosmo
Sun May 08, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Should I give up Verizon unlimited?
Replies: 21
Views: 2624

Re: Should I give up Verizon unlimited?

I have two phone lines, my wife has unlimited, while I have 4 GB. Total cost is around 190. If I move to the new plans I will get 20 gigs of data between the two of us. and our cost will go down to by 60 dollars a month, should I do it and lose my unlimited? Since my phone bill is also paid by the ...
by Cosmo
Sun Apr 03, 2016 2:10 pm
Forum: Investing - Theory, News & General
Topic: Tony Robbins Joins Advisory Firm
Replies: 27
Views: 3705

Re: Tony Robbins Joins Advisory Firm

No doubt markets are complex and most investors need the help of experts to guide them into retirement.


Red flag.

Cosmo
by Cosmo
Sun Apr 03, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: Cars with low profile tires
Replies: 23
Views: 2098

Re: Cars with low profile tires

I HATE the look of low profile tires. That solves the dilemma of low profile vs. normal tires for me.

Cosmo
by Cosmo
Sun Apr 03, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Bought a farm for $1
Replies: 18
Views: 3511

Re: Bought a farm for $1

JoeJohnson wrote:
livesoft wrote:What does the lawyer that helped your aunt have to say about all this? :)


Exactly what I was thinking!


And as much as I respect the Bogleheads site, I would not take any legal tax advice from people here.

Cosmo
by Cosmo
Fri Mar 18, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 8012

Re: Cast Iron Frying Pans

OK! I am the original poster and two days ago dropped $20 at Target for a 12 inch LODGE cast iron frying pan. So far, so good! I've been playing around with it etc. My observation is that the weight of it is somewhat cumbersome and annoying, but making meat (thin steak, seasoned, for steak salad) w...
by Cosmo
Thu Mar 17, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage prepayments & savings targets
Replies: 20
Views: 2277

Re: Mortgage prepayments & savings targets

It's a preference. The way my spreadsheets work: my mortgage balance affects my NW, so if I pay more, my NW goes up because my liability went down. But the overpayment is not counted as savings. For me, savings equals money that goes into our 401(k)s, Roths, taxable account, and savings accounts. H...
by Cosmo
Sun Mar 06, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus taxed at 44.46%?
Replies: 39
Views: 5358

Re: Bonus taxed at 44.46%?

FYI :happy " The IRS categorizes bonuses as “supplemental wages,” which are treated differently than salary or ordinary wages " http://www.gobankingrates.com/personal-finance/bonus-bad-news-tax-refund/ This explains it very well and is exactly what I always suspected. “If you make $2,500 ...
by Cosmo
Sun Mar 06, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus taxed at 44.46%?
Replies: 39
Views: 5358

Re: Bonus taxed at 44.46%?

Rainier wrote:Those aren't taxes, that is withholding!

Do you understand that?


You didn't really answer his question why a bigger chuck was withheld for Uncle Sam than usual.

Do you understand that?
by Cosmo
Wed Feb 17, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for 100 jobs, no callbacks. What's up?
Replies: 103
Views: 9997

Re: Applied for 100 jobs, no callbacks. What's up?

Have you considered using a recruiter that specializes in your field of interest? Recruiters frequently have access to jobs that are not on the web and you also have the ability to get feedback from them regarding your resume and company's interest in your experiences. The Judge Group is one recrui...
by Cosmo
Sat Jan 16, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 111
Views: 14494

Re: It sure looks like a good time to invest in oil

I think you just experienced a significant market decline in stocks, but then again, maybe not? Around 10%... But that's not enough of a decline for me to make significant purchases (aside from my regular contributions). If I see a decline of 20% or more from peak I would start buying. For that to ...
by Cosmo
Sun Jan 10, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 5762

Re: Lottery Win...Could a Boglehead handle it?

Fun thread. I am amazed that this is still not locked. Moderators -thank you for letting this one slip by. We can all dream.

Cosmo
by Cosmo
Sat Jan 09, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Why plane fares so expensive???
Replies: 53
Views: 5919

Re: Why plane fares so expensive???

I travel from DC to South Bend in March and October. I paid $310 back in October with United. Now prices are over $500. With gas prices low, I expected lower prices. An option has been to fly to Midway and rent a car. Southwest used to have three direct flights a day and now need to go through Atla...
by Cosmo
Tue Jan 05, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 86
Views: 10631

Re: How do you organize your finances? Do you use Mint.com?

I use it. Yes, it is awesome. Yes it is safe to hook up all your accounts. One good use is I can see exactly how much I make and spend in 2015. Yes, I would use the word awesome. As an added bonus, they carefully monitor your transactions and let you know if a large transaction was recently posted....
by Cosmo
Fri Dec 18, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: What am I missing ? ... Smart Phones $100 vs. $600
Replies: 65
Views: 7446

Re: What am I missing ? ... Smart Phones $100 vs. $600

Seems like a similar question to "What does a Lexus LS do that a Honda Civic does not do?". While they both do the same basic thing (get you from one place to the other), one has significantly more features that some folks are willing to pay for. Nope. Take a drive in each and you won't h...
by Cosmo
Fri Dec 18, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: Should I just give my wife (folded) money?
Replies: 76
Views: 10329

Re: Should I just give my wife (folded) money?

Don't get a roomba or any other kitchen- or cleaning equipment. Trust me on this :P I see your point but I strongly disagree about the Roomba specifically. In this case, you are buying her something that will significantly eliminate sweeping of floors (in theory). It's a lot different than purchasi...
by Cosmo
Thu Sep 10, 2015 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 36
Views: 5302

Re: iPhone with or without contract?

(Original thread started in May 2015) OK, with the latest generation of the iPhone being announced today, I am awakening this thread from its nearly four month slumber. So here we are in the month of September and iPhone fans need to make a decision on whether it makes sense to upgrade. For me, I h...
by Cosmo
Thu Sep 10, 2015 6:36 pm
Forum: Personal Consumer Issues
Topic: Poor man's auto navigation system?
Replies: 86
Views: 7232

Re: Poor man's auto navigation system?

One advantage of using Google Maps is that it is up-to-date in real time. Shows accidents, road construction zones, traffic, etc. You don't get that with a Garmin. You miss out on all of that with paper maps too. Google maps will be constantly be suggesting a faster route by altering your current r...
by Cosmo
Wed Sep 09, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 36
Views: 5302

Re: iPhone with or without contract?

(Original thread started in May 2015) OK, with the latest generation of the iPhone being announced today, I am awakening this thread from its nearly four month slumber. So here we are in the month of September and iPhone fans need to make a decision on whether it makes sense to upgrade. For me, I h...
by Cosmo
Sun Sep 06, 2015 3:17 pm
Forum: Personal Consumer Issues
Topic: Should I change to artificial grass (in SoCal)?
Replies: 43
Views: 3859

Re: Should I change to artificial grass (in SoCal)?

I would put using artificial grass in the same category as a balding guy that tries to comb the hair from the sides of his head over the top to cover the bald spot. At best it won't fool anyone but at least the polite people will not say anything about it. I disagree. Some of the newer types of art...
by Cosmo
Sun Sep 06, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Career Issue -- How do I recover?
Replies: 48
Views: 5502

Re: Career Issue -- How do I recover?

Wow, that is kind of scary. Not really. It saves lives. People learn that they really didn't need to be on that trajectory and still have satisfying and fulfilled lives. They retire early and then haunt internet forums offering up advice in more than 40,000 posts. Wait a minute? That sounds like li...

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