Search found 49 matches

by Doug E. Dee
Fri Aug 04, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Survey ate some of my property....
Replies: 25
Views: 2183

Re: Survey ate some of my property....

cherijoh wrote:I think you mean deed :wink:


"Indead" I do, lol!
by Doug E. Dee
Fri Aug 04, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Survey ate some of my property....
Replies: 25
Views: 2183

Re: Survey ate some of my property....

Look at your dead and check the lot line measurements. Maybe you can measure from another corner of your lot and see if this new survey makes sense.
by Doug E. Dee
Mon Jul 31, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should we increase our retirement savings rate?
Replies: 35
Views: 2679

Re: Should we increase our retirement savings rate?

miamivice wrote:Sure. Essentially, I haven't drowned yet, which is good, but the extra 1000 a month toward heloc is tough. I would like to get it paid off.


Did you not just answer your own question (title of this thread)?
by Doug E. Dee
Mon Jul 31, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Should we increase our retirement savings rate?
Replies: 35
Views: 2679

Re: Should we increase our retirement savings rate?

What about paying off that HELOC?
by Doug E. Dee
Mon Jul 31, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 10987

Re: Your "at peace" moments.

Hiking in The Whites. I also enjoy the planning and hike selection for the upcoming weekend.
by Doug E. Dee
Wed Jul 26, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4392

Re: MVNO's versus the Big 4

I have been with a Verizon MVNO for years. Last I was on Boom Mobile but the day before I was set to renew my account they kicked me off saying I use too many voice minutes (even though it's unlimited) and put me in a bind where I temporarily lost phone service. This is after promoting them on here...
by Doug E. Dee
Mon Jul 24, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 3195

Re: Home Security System with/without monitoring

dia wrote:How do you like it? Work well ?


Works great, I get a text within seconds of an alarm. It tells you which zone was tripped.
by Doug E. Dee
Mon Jul 24, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 8268

Re: Anyone else extremely frugal?

I felt mildly guilty about spending $2.71 at Dunk's for an ice coffee yesterday.

I try to avoid their over priced product but wanted the boost for a 2 hour drive home.

Frugal, heck yeah!
by Doug E. Dee
Mon Jul 24, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 3195

Re: Home Security System with/without monitoring

I use a Vista panel and installed an EyezOn InvisaLink communicator.

You can self-monitor or pay a service.
by Doug E. Dee
Fri Jul 21, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4392

Re: MVNO's versus the Big 4

Because parts of the the building I work in have no reception to outside cell service, but does have internal Verizon repeaters, I use Total Wireless which is a VZ MVNO. Works great!
by Doug E. Dee
Sat Jul 08, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Excel 2010 and Windows 7 -- Where to go from here?
Replies: 39
Views: 2877

Re: Excel 2010 and Windows 7 -- Where to go from here?

Keep Windows 7 and upgrade to Office 2016?
by Doug E. Dee
Thu Jun 29, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 5324

Re: Negotiating a House Using Seller's Agent (opinions wanted)

livesoft wrote:Add a bank appraisal / loan contingency to your offer.


Good point, maybe it will appraise at $350 :)
by Doug E. Dee
Tue Jun 27, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k admin fees
Replies: 13
Views: 649

Re: Vanguard 401k admin fees

I'd gladly pay the $100 annual fee instead of the .22% we get charged!
by Doug E. Dee
Tue Jun 27, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Looking into selling a structured settlement and need some advice
Replies: 66
Views: 4234

Re: Looking into selling a structured settlement and need some advice

A kid down the street from me sold his structured settlement once he turned 18 because he needed drug money. What a mess.
by Doug E. Dee
Thu Jun 22, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Deck stain
Replies: 9
Views: 958

Re: Deck stain

I use a stain pad that you can screw a broom handle into.
by Doug E. Dee
Mon Jun 19, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 5324

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Market Price- The price at which both the buyer and seller agree. But more important, an item is only worth what another person is willing to pay. Let's say I have a 20 year old snow blower that I think is worth $1000 because I've taken care of it and know is in good shape. If my best offer is only ...
by Doug E. Dee
Sun Jun 18, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4925

Re: Dehumidifier woes

I placed a small fan that blows at the front of the dehumidifier and that prevents the short cycling and also keeps air moving around.
by Doug E. Dee
Sun Jun 18, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Fund Investor Shares VWEHX
Replies: 47
Views: 4008

Re: Vanguard High-Yield Corporate Fund Investor Shares VWEHX

Valuethinker, I think it was sometime around the '87 downdraft in stocks. I remember I lost money so I thought I should just stick with something more stable like bonds. And why not go for the highest yield? I just didn't understand what I was getting into, it's that simple. A low grade bond fund pr...
by Doug E. Dee
Sun Jun 18, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Fund Investor Shares VWEHX
Replies: 47
Views: 4008

Re: Vanguard High-Yield Corporate Fund Investor Shares VWEHX

I can remember buy a junk bond fund 30 years ago because of the very high yield.

Dumped it when I saw my principal eroding at an alarming rate.
by Doug E. Dee
Fri Jun 16, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: New Roof
Replies: 5
Views: 785

Re: New Roof

Check to see they are not high nailed. Really important on laminated architectural shingles.
by Doug E. Dee
Tue Jun 06, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 8339

Re: What Do You Pay for an Oil Change?

I change mine every 5k using M1 oil and filter. Thinking about stretching that to 7.5k.
by Doug E. Dee
Thu Jun 01, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 8339

Re: What Do You Pay for an Oil Change?

I do it myself so whatever the cost of Mobil 1 is at Walmart and a good oil filter from wherever. I installed a fumoto valve on my truck and car so it's easy. Paid $85 for 10 qts of Mobil 1 and a Mobil 1 oil filter for my truck. I noticed last week at the local Walmart that they now carry the new M...
by Doug E. Dee
Thu Apr 20, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Visualizer - How to add stable value fund?
Replies: 5
Views: 530

Portfolio Visualizer - How to add stable value fund?

Hi All,
Is it possible to somehow add a SVF (no ticker symbol) with a 2% return into Portfolio Visualizer?

Thanks!
by Doug E. Dee
Thu Apr 20, 2017 5:59 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor's Calculations Accurate re: VFINX v their Fund?
Replies: 13
Views: 1237

Re: Financial Advisor's Calculations Accurate re: VFINX v their Fund?

Ask why settle for $1.2m when you could easily do better.

Here's a couple off the shelf ideas, 100% Fidelity Balanced and 50/50 Wellington/Wellesley.

https://www.portfoliovisualizer.com/bac ... tion4_3=50
by Doug E. Dee
Tue Mar 28, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: MSPGX (expense .79%) vs. Stable Value @ 3% return ??
Replies: 26
Views: 1547

Re: MSPGX (expense .79%) vs. Stable Value @ 3% return ??

I use the stable value option in my 403b just as you are considering. The rate is set every 6 months and is fixed for that period.

Mine only pays 2% so you have a very good one!
by Doug E. Dee
Mon Mar 20, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 1708

Re: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

Another vote for Eneloop, they are awesome!
by Doug E. Dee
Fri Mar 17, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating tips for selling condo to tenant
Replies: 35
Views: 3380

Re: Negotiating tips for selling condo to tenant

You either want to be a landlord or you don't.

How is the $155k mortgage going to be paid by the tenant in 5 years? Is the rent $2800/month?
by Doug E. Dee
Wed Mar 15, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 56
Views: 6211

Re: Issue With Contractor. What to do?

Yeah, this guy is a chuckle-head if he thinks it's ok to have rooms without heat.
by Doug E. Dee
Sat Mar 04, 2017 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Newbie w/ $2.8M
Replies: 58
Views: 6803

Re: Portfolio Review: Newbie w/ $2.8M

Hi WaterDog, I'd like to offer some suggestions: Keep your mouth shut about your inheritance. If you do decide to wed, rock solid pre-nup prepared by attorney, executed months in advance of wedding. The last thing you want is to lose half your assets and have years of alimony payments. Don't get int...
by Doug E. Dee
Thu Mar 02, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Where do we reasonably go from here?
Replies: 11
Views: 1891

Re: Where do we reasonably go from here?

• 60K saved for three kids’ college in cash bank account earning 0.8% Agree with above about underfunded college fund. Maybe look at stepping that up and moving funds to a 529 with some growth potential. I would think you have time (based on kids age) to take a bit more risk and earn more than the ....
by Doug E. Dee
Thu Mar 02, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: VASGX .. to stay or go..
Replies: 29
Views: 2067

Re: VASGX .. to stay or go..

What the fudge.

I stay off stupid facebook and come here instead for some worthwhile content and intelligent discussion but find out that this is social media?

NOOOO!
by Doug E. Dee
Thu Mar 02, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Gutter Replacement
Replies: 17
Views: 1922

Re: Gutter Replacement

Agree that 3x4 downspouts are a must.

I added Gutter Big Mouths to my downspouts and it helps a lot with clogs. Google it.

As to cleaning gutters, I fashioned a length of downspout with a couple elbows on one end onto a leaf blower. Super easy to blow crap out of the gutters without a ladder!
by Doug E. Dee
Wed Mar 01, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: TRP "Fee Credits" [T. Rowe Price]
Replies: 8
Views: 754

Re: TRP "Fee Credits" [T. Rowe Price]

That sounds a bit like what they call "Revenue Sharing" in my 403b at Principal, where some of the investment options have a portion of the ER returned to the customer in the form of a fee adjustment on the statement.
by Doug E. Dee
Thu Feb 23, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating tips for selling condo to tenant
Replies: 35
Views: 3380

Re: Negotiating tips for selling condo to tenant

If you want to wait to sell in the spring, how about going to a month to month rental instead of a lease with your current tenant (once the current lease expires)? I would agree with the others about not selling while occupied. Get them out and freshen it up with paint and carpet, then put it on the...
by Doug E. Dee
Wed Feb 15, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting 401k contributions for bonuses and raises
Replies: 17
Views: 1074

Re: Adjusting 401k contributions for bonuses and raises

Your employer should allow for a fixed contribution amount per pay period vs a percentage of gross pay. My employer used to have fixed dollar amount contribution but recently did away with it due to "several issues from an administrative side". The percentage option is a real pain when yo...
by Doug E. Dee
Wed Feb 15, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 72
Views: 10043

Re: Appalachian Trail thru-hike in retirement?

There are several good AT thru hikes on youtube. Well worth watching.
by Doug E. Dee
Fri Feb 10, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 37
Views: 3664

Re: Financial Movies and Shows

SheReadsHere719 wrote:Reviving this thread - Billions just finished its first season on Showtime; one of the creators is Andrew Ross Sorkin, who wrote Too Big to Fail. Excellent acting.


Great show, season 2 starts Feb 19!
by Doug E. Dee
Wed Feb 08, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct still not importing stock data
Replies: 32
Views: 4246

Re: TaxAct still not importing stock data

Yup, same problem here squeat. Extremely frustrating. I quit TT 3 years ago after using them for a long time because of the price jacking they did. I thought TA was great, until this year. I"ll probably work on entering things manually this weekend because I'm due a refund and I'd like to get i...
by Doug E. Dee
Wed Feb 08, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a soon-to-be MLB draftee
Replies: 68
Views: 10341

Re: Advice for a soon-to-be MLB draftee

If the overall value of his account were to drop by 10% over the next few months, how would the player and his parents feel about it in terms of not only the financial loss, but your friendship?
by Doug E. Dee
Thu Jan 26, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with 3 rental properties I'm looking to purchase
Replies: 35
Views: 3353

Re: Need help with 3 rental properties I'm looking to purchase

Would it be wise for the OP to hold these rentals in an LLC or something?
by Doug E. Dee
Tue Jan 24, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Cell phones - I have met my match, please help
Replies: 38
Views: 4867

Re: Cell phones - I have met my match, please help

Yes, it carries over and does not expire!
by Doug E. Dee
Tue Jan 24, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Cell phones - I have met my match, please help
Replies: 38
Views: 4867

Re: Cell phones - I have met my match, please help

Total Wireless user here.

I don't use much data so what I do is buy the $25/month no data plan and then add on the $10 3GB data card as needed (maybe once a year).

My buddy just switched over to a new MVNO I have not heard of called MintSIM. I think it's on T-Mobile. Super cheap.
by Doug E. Dee
Tue Jan 24, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Those silly lotion containers
Replies: 39
Views: 6375

Re: Those silly lotion containers

I also cut the bottom of the bottle off with heavy duty scissors and use a finger to scoop it out as needed. I cover the open container with a piece of tin foil.

It's amazing how much is left after the pump goes dry.
by Doug E. Dee
Tue Jan 24, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Do your own taxes?
Replies: 27
Views: 2282

Re: Do you own taxes?

The fun thing about using software is the ability to easily play "what if".
by Doug E. Dee
Fri Jan 20, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to get on track
Replies: 35
Views: 2634

Re: Trying to get on track

Tudor wrote:Last year we spent $25,000 on Amazon.com


Someone needs a cheaper hobby.
by Doug E. Dee
Wed Jan 18, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Still Struggling to Understand How Bonds Work
Replies: 10
Views: 1298

Re: Still Struggling to Understand How Bonds Work

There's an inverse relationship between price and yield.
by Doug E. Dee
Tue Jan 17, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: What's a bearish investor to do?
Replies: 33
Views: 5461

Re: What's a bearish investor to do?

Wolfpacker wrote: Sell 100% cash-secured out-of-the-money Put options (i.e. strike price below the stock price).


The OP want to hedge against a sharp drop in stocks and you want him to sell puts?
by Doug E. Dee
Fri Jan 13, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: What happens to balanced funds if interest rates rise?
Replies: 6
Views: 1050

What happens to balanced funds if interest rates rise?

Hi All, How do rising rates effect a typical balanced fund, let's say Fidelity Balanced Fund which I have at my 403b? Does the fund lose value because the bond portion is worth less or does it not matter because the bonds are held until maturity? Not making any predictions, just curios how it works....