Search found 2761 matches

by Triple digit golfer
Mon Apr 03, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is this the time to invest?
Replies: 6
Views: 907

Re: Is this the time to invest?

onourway wrote:Think of it this way - if you had received this inheritance in the form of an investment (in a vehicle that agreed with you) would you cash it out today only to invest it all back in little by little?


That is the best argument I've heard for these situations. Well said!
by Triple digit golfer
Fri Mar 24, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 5155

Re: What online bank do you use?

I've been using solely Ally for seven years now and I am satisfied and would wholly recommend them.
by Triple digit golfer
Mon Mar 20, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

Would these two be a a good combo with a 10 mbps internet for a 2,000 square foot house with two people? Modem: https://www.amazon.com/ARRIS-SURFboard-SB6141-DOCSIS-Cable/dp/B00AJHDZSI/ref=sr_1_2?s=pc&ie=UTF8&qid=1488765937&sr=1-2&keywords=arris+surfboard+modem Router: https://www.a...
by Triple digit golfer
Wed Mar 08, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Small (but Significant) Milestone
Replies: 26
Views: 2808

Re: Small (but Significant) Milestone

Excellent! That makes two of us who need to change our usernames*!

*Based on double digit score for nine holes.
by Triple digit golfer
Tue Mar 07, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

I just purchased the $69.98 bundle. Thanks again, inbox788!
by Triple digit golfer
Tue Mar 07, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

Would these two be a a good combo with a 10 mbps internet for a 2,000 square foot house with two people? Modem: https://www.amazon.com/ARRIS-SURFboard-SB6141-DOCSIS-Cable/dp/B00AJHDZSI/ref=sr_1_2?s=pc&ie=UTF8&qid=1488765937&sr=1-2&keywords=arris+surfboard+modem Router: https://www.a...
by Triple digit golfer
Mon Mar 06, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 7388

Re: How much do you spend on food in a year?

Last year my wife and I spent $13,000 in a category where I lump in groceries (including non-food), restaurant meals, and entertainment (golf, movies, etc.).

If I had to guess, I'd say that food was around $8,000. Working on getting that down this year due to fewer restaurant meals.
by Triple digit golfer
Sun Mar 05, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

Would these two be a a good combo with a 10 mbps internet for a 2,000 square foot house with two people? Modem: https://www.amazon.com/ARRIS-SURFboard-SB6141-DOCSIS-Cable/dp/B00AJHDZSI/ref=sr_1_2?s=pc&ie=UTF8&qid=1488765937&sr=1-2&keywords=arris+surfboard+modem Router: https://www.am...
by Triple digit golfer
Sun Mar 05, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

One final question, hoping for some personal experiences. I read some prior threads and Googled a bit and can't seem to find a definitive answer. I want to stop renting my Comcast modem and router and buy one. Is an "N" modem adequate or is "AC" recommended? House is 2,000 square...
by Triple digit golfer
Sun Mar 05, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

Great info, thanks very much!
by Triple digit golfer
Sun Mar 05, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

That lawn looks very doable for a fall overseed. I would not change any recommendations. Just hand toss extra seed on the completely bare areas when you do. You will likely make a good deal of headway before you overseed this year with good fertilization, early and aggressive weed control, and good...
by Triple digit golfer
Sun Mar 05, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

The spot by the fence is low and a lot of water flows there. Now we're talking drainage issues. How long does the water stand in that spot? It could cause the fence to prematurely rot if water pools up there for an excessive amount of time. You're also not going to get good grass growth in a water-...
by Triple digit golfer
Sun Mar 05, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

I don't know if they had a dog. They moved out before the house went on the market. I'll ask the neighbors. The spot by the fence is low and a lot of water flows there. So what's the consensus? Use weed killer or not this year? I'm inclined to skip it and focus solely on the lawn this year. I'm lean...
by Triple digit golfer
Sun Mar 05, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

Yep, that's me! Hopefully soon I'll get some replies. I have a moderate amount of weeds. Nothing crazy. I'm more concerned with getting a thick lawn. I can deal with weeds next year. I think a thick lawn will take care of some of the weeds anyway. I may just use regular fertilizer and then spray wee...
by Triple digit golfer
Sun Mar 05, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

jebmke wrote:When you go to upload there is a drop down box to resize the photo to "message board" size.


Thanks!
by Triple digit golfer
Sun Mar 05, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

These are pics of the backyard from this morning:

Image

Image
by Triple digit golfer
Sun Mar 05, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

Edited post below.
by Triple digit golfer
Sat Mar 04, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

Is overseeding going to be adequate for the bare spots or do I need extra seed on those spots? I was just outside and there are a heck of a lot of bare spots that are just mud right now.
by Triple digit golfer
Sat Mar 04, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

I used to work for Scotts as a lawn tech (so I don't actually know that much, lol) but I'll toss my 2 cents in as we had a similar issue and revitalized our Midwestern backyard rather easily: 1. Wait til fall for the general overseed. You could try the EZ seed on a few bad spots now if you're atten...
by Triple digit golfer
Sat Mar 04, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

I did some reading on Milorganite and also on weed and feed. I feel comfortable using EZ Seed on bare spots in April, watering well, then using Milorganite mixed with some standard seed around Memorial Day on the entire lawn. This will be six weeks after the seeding on bare spots is done so it'll be...
by Triple digit golfer
Fri Mar 03, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

OP here. I did a little research tonight. Seems this product (Scotts EZ Seed) has some great reviews. It is a seed, fertilizer, and mulch all in one. http://www.scotts.com/smg/goprod/turf-builder-ez-seed/prod11730018 I will probably give the EZ Seed a shot in the spring on the bare areas. Then short...
by Triple digit golfer
Fri Mar 03, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

Why do you think the spots are bare? If somebody spilled gasoline on them or dropped some weed killer there or overfertilized with "weed & feed", then unless you do some remediation, I don't think grass will grow well in those spots. I have no idea. Maybe "very thin" is the ...
by Triple digit golfer
Fri Mar 03, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

My take on fertilize (since I just fertilized today): I live in Texas. I do not use those high-octane fertilizers that have a high nitrogen content. You know, the first number in the NPK triad. I never have the Nitrogen number above 15 (NOT the 29-0-4 nor the 33-P-K). The second thing is that I alw...
by Triple digit golfer
Fri Mar 03, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Re: Giving my lawn the TLC it needs

Chicago area. Livesoft - I spoke to three neighbors the other day. All of them do it themselves and have lived there 10+ years. They don't have the bare spots like I do. However, the front actually looks pretty good. It's the back that needs a bit of TLC. I think instead of spending $1,000 or $500, ...
by Triple digit golfer
Fri Mar 03, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3644

Giving my lawn the TLC it needs

We moved into our home in August 2016 and unfortunately inherited a lawn that could use some work. There are some bare spots where there is no grass, only dirt. Additionally, there is about a 4 foot wide diameter circle where a tree used to be that is only mulch. I figured it would be useful to have...
by Triple digit golfer
Fri Mar 03, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

Thanks all. I had already looked at recommendations from Hetflix and Hulu but I just was wondering in practice if anybody had any problems at 10 mbps. Sounds like that should be adequate.
by Triple digit golfer
Fri Mar 03, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

Hi again all, OP here.

Would 10 mbps internet be adequate? Our house is just my wife and me, with a baby on the way, so at any one time the most devices we'd have streaming is two.
by Triple digit golfer
Thu Mar 02, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

This weekend we are going to pick up a Roku Premiere at Walmart for $79. My wife's friend has Netflix so we are going to log in to her account and give it a test drive. Assuming everything is operational and we're happy with it, bye-bye Comcast, hello AT&T $40/month internet and $12 Netflix. Hap...
by Triple digit golfer
Wed Mar 01, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

Wow! What a wealth of information. THANK YOU to ALL! We have some research to do and decisions to make, but this thread gave me more information than the Googling I was doing earlier. simplesimon: My TV is dumb, but it's a flat screen. It's about four years old. Plasma, HD, 1080p. I'm sure the Roku ...
by Triple digit golfer
Wed Mar 01, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 4127

Re: Family Hounding me to Purchase SUV or Minivan

My wife and I drive an Accord and Civic and are pregnant with our first child. No plans to change vehicles.
by Triple digit golfer
Wed Mar 01, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

Thanks to all. I am only 32 but I feel like I'm a dinosaur when it comes to some of the newer technology. So I could essentially cut my $140 a month cable bill and instead spend $60 for internet only, plus $10 or $20 for a streaming service or two, plus spend around $100 or less for a Roku or other...
by Triple digit golfer
Wed Mar 01, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

Thanks to all. I am only 32 but I feel like I'm a dinosaur when it comes to some of the newer technology. So I could essentially cut my $140 a month cable bill and instead spend $60 for internet only, plus $10 or $20 for a streaming service or two, plus spend around $100 or less for a Roku or other ...
by Triple digit golfer
Wed Mar 01, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Re: Tell me about Smart TVs and cutting cable

I am enlightened. So a Roku is a device to essentially make a dumb TV smart? From that point, I can use Hulu, Netflix etc. without having to buy a smart TV. I am just so tired of cable - cannot get rid of it soon enough. Any thoughts on ideas to still get cable channels without a cable subscription?...
by Triple digit golfer
Wed Mar 01, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7605

Tell me about Smart TVs and cutting cable

I have a dumb TV and the traditional Comcast cable and internet. I am tired of paying $140 a month and sick of fighting with Comcast all the time just to get that "discounted" rate. That, along with the fact that most of what we watch are Law & Order SVU re-runs, I decided that I am ti...
by Triple digit golfer
Tue Feb 28, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 17
Views: 1379

Re: Electric Toothbrushes - again

I used Oral B for years until my last dentist checkup just this month. I admittedly had not been flossing the way that I should have, and my dentist said I had moderate gingivitis. He recommended flossing (obviously) and the Sonicare toothbrush. He said that the Oral B is better at polishing, but th...
by Triple digit golfer
Mon Feb 27, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Different risk tolerance for different accounts
Replies: 10
Views: 658

Re: Different risk tolerance for different accounts

Up until very recently I was in the same mental accounting trap. Below is my non-expert story and advice: Pick a number that you want to be accessible in an emergency situation such as a job loss. Let's assume it is $75,000. You could do one of the following, or anything in between: A (Not tax-effic...
by Triple digit golfer
Sun Feb 26, 2017 12:13 am
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 121
Views: 21454

Re: You know you're a Boglehead when ...

... when you quick scroll through a cluster of a thread to find the picture of the orange butterfly, because you know some reasoned sanity is about to be dropped on the audience. I do this with frequency. So much common sense and ability to step back and see the big picture. He comes up with reason...
by Triple digit golfer
Sat Feb 25, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Feline Achilles' tendon injury
Replies: 20
Views: 1294

Re: Feline Achilles' tendon injury

Pets are members of the family. How would you proceed if this was your child? There's your answer.
by Triple digit golfer
Sat Feb 25, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 23
Views: 2547

Re: Can somebody please explain brokerage accounts at Vanguard?

I think I will take your advice and convert to Roth. Yes, she does have one already. I think then that you can go to the Roth IRA and the fund that is held by the Roth IRA and click on "Buy", then when it asks where is the money coming from, you can select the Rollover IRA and the web sit...
by Triple digit golfer
Sat Feb 25, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 23
Views: 2547

Re: Can somebody please explain brokerage accounts at Vanguard?

All in this thread is her accounts, not mine. Sorry for the confusion.

With our 401k contributions our taxable income is below the threshold, so we are Roth eligible.

I think I will take your advice and convert to Roth. Yes, she does have one already.
by Triple digit golfer
Sat Feb 25, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 23
Views: 2547

Re: Can somebody please explain brokerage accounts at Vanguard?

This forum is great. Thank you all.

I may just keep the $842 in the rollover so we don't have to pay the taxes. But then can we still contribute the full $5,500 to the Roth?
by Triple digit golfer
Sat Feb 25, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 23
Views: 2547

Re: Can somebody please explain brokerage accounts at Vanguard?

OK - I must be a complete moron. It says "Funds available to trade" is $842.53. If I go to "Contribute/Withdraw" it is telling me I can buy Vanguard mutual funds in the Rollover IRA or convert to a Roth. I don't see an option anywhere to buy an ETF- only mutual funds. All I want ...
by Triple digit golfer
Sat Feb 25, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 23
Views: 2547

Can somebody please explain brokerage accounts at Vanguard?

I have a Roth IRA at Vanguard that I opened in 2008. It is not a brokerage account. I can add money from my checking account. Very simple. I have a taxable account that I opened in 2013. It is not a brokerage account, but there is an option to upgrade to one. I have a rollover IRa that I opened in 2...
by Triple digit golfer
Wed Feb 22, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Repairing a flaking and peeling leather couch
Replies: 2
Views: 402

Repairing a flaking and peeling leather couch

We have a few spots on our fake leather couch that are peeling. Has anybody used leather paint with any success? If so, which brand? Our couch is very comfortable and the matching loveseat is hardly used, so we don't want to buy new furniture. Thanks!
by Triple digit golfer
Tue Feb 21, 2017 7:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 1580

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

That is outstanding. Happy 21st, Mr. Bogle!
by Triple digit golfer
Tue Feb 21, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: Theory question about value/size tilts
Replies: 7
Views: 463

Re: Theory question about value/size tilts

I will do that - thanks!

I always enjoy your posts. Some of your graphs and reasoning and logic is fascinating.
by Triple digit golfer
Tue Feb 21, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Theory question about value/size tilts
Replies: 7
Views: 463

Theory question about value/size tilts

Suppose I want a tilt that leaves me with 50/50 value/blend and 50/50 large/small. Are the following going to be roughly equal in terms of expected risk and return? 00 50 00 00 00 00 50 00 00 50 00 00 00 00 00 00 50 00 25 00 25 00 00 00 50 00 00 50 00 00 00 00 00 25 00 25 The way I see it conceptual...
by Triple digit golfer
Mon Feb 20, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 995

Re: Reinvesting dividends and cap gains in taxable account

Thanks all. I set both funds to automatically reinvest.
by Triple digit golfer
Mon Feb 20, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 995

Re: Reinvesting dividends and cap gains in taxable account

I have a taxable account, but I am not contributing to it. I have FTSE All World ex-US index fund and Intermediate Term Tax Exempt. The former is intended to only be used for retirement and thus no shares to be sold for decades, barring a very large emergency. The latter is a second tier to my emer...
by Triple digit golfer
Mon Feb 20, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 995

Re: Reinvesting dividends and cap gains in taxable account

I have a taxable account, but I am not contributing to it. I have FTSE All World ex-US index fund and Intermediate Term Tax Exempt. The former is intended to only be used for retirement and thus no shares to be sold for decades, barring a very large emergency. The latter is a second tier to my emer...

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