Search found 434 matches

by Youngblood
Mon Nov 20, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 12563

Re: Dave Ramsey says don't use credit cards, even if you pay them off

We hardly use cash or checks anymore.

Has DR mentioned that paper money has more germs than a toilet? Bacteria and viruses too numberous to list.

No thanks on using paper money.

Checks? The checkout lines would take forever.

Hooray for credit cards.

YB
by Youngblood
Sun Nov 12, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Warm Shirt for Winter
Replies: 41
Views: 4122

Re: Warm Shirt for Winter

69 here, thin and newly bald. If I am not moving or eating, I am cold. Like you I prefer just a t-shirt. Unlike you, I wear about four layers in the house while reading. Being warm trumps the bulk issue and since I have already tried most of the already mentioned good suggestions for most... OH, I a...
by Youngblood
Thu Nov 02, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 22
Views: 1687

Re: GPS watch

I guess there are few or none who had any experience with Fitbit Ionic. Well, I purchased it a week ago and after a couple of small glitches in downloading the firmware update (my cell phone is compatible with the Ionic but not with installing the firmware update. So, I just used another device for ...
by Youngblood
Fri Oct 27, 2017 4:36 am
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 22
Views: 1687

Re: GPS watch

Any new opinions/experience with the Fitbit Iconic? It has been for sale about a month or so now.

YB
by Youngblood
Fri Oct 13, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1915

Re: Earplugs that work on low frequency noise?

I've used Hearos too. If you put them in right they block out nearly everything.
by Youngblood
Mon Oct 09, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Pare back allocation?
Replies: 10
Views: 912

Re: Pare back allocation?

I struggle with this. I have lump sum account that I know will give me about $475,000 in 4 years when I have to retire (State job). I can't manage that it is basically fixed at CPI. What's the struggle and what is the reference to CPI? I'm a state employee, and there are no CPI adjustments either w...
by Youngblood
Mon Oct 09, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 5063

Re: Is there boglehead consensus on buying a car?

With all the hurricane flooding in Texas and Florida there will undoubtedly be many cars with water damage as used vehicles that you definitely don't want. I would stay away from used unless you know for sure the car has not had any water damage. Electrical and computer damage due to water are reall...
by Youngblood
Sun Oct 01, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3929

Re: For buying house: how do you know which schools are "good"?

I suggest you go to the school office, get a visitors pass and observe different classes and levels. You will surely get a feel for just about everythIng important for learning to take place. I would also eat in the school cafeteria with the students. Friday would be the day to observe. I hope I ha...
by Youngblood
Sun Oct 01, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3929

Re: For buying house: how do you know which schools are "good"?

I suggest you go to the school office, get a visitors pass and observe different classes and levels. You will surely get a feel for just about everythIng important for learning to take place. I would also eat in the school cafeteria with the students. Friday would be the day to observe. I hope I hav...
by Youngblood
Fri Sep 29, 2017 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 468
Views: 56392

Re: Quicken's future direction - a cause for concern

I'm locked out even signing on for 2015 and 2017. Thankfully I only use Quicken like a check book and nothing important. I sure wish I could look carefully at your Quicken install and general setup just to find out what the heck is wrong. YB How will that get them to send me a code? I guess I don't...
by Youngblood
Thu Sep 28, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 468
Views: 56392

Re: Quicken's future direction - a cause for concern

Uncle Pennybags wrote:
Thu Sep 28, 2017 3:22 pm
I'm locked out even signing on for 2015 and 2017. Thankfully I only use Quicken like a check book and nothing important.
I sure wish I could look carefully at your Quicken install and general setup just to find out what the heck is wrong.

YB
by Youngblood
Thu Sep 28, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 468
Views: 56392

Re: Quicken's future direction - a cause for concern

spammagnet wrote:
Thu Sep 28, 2017 12:38 pm
knpstr wrote:
Thu Sep 28, 2017 12:15 pm
Mine updated flawlessly.
As did mine. Perhaps we were lucky.
Mine went without a hitch as well (both desktop and Surface Pro).

Very happy with the current Quicken and change in ownership.

YB
by Youngblood
Mon Sep 04, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102193

Re: U.S. stocks in freefall

VictoriaF wrote:
Mon Sep 04, 2017 10:24 am
Tomorrow the stocks will be in a nuclear fallout.

Victoria
This could definitely happen.
by Youngblood
Sat Sep 02, 2017 2:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17918

Re: [Are the Bogleheads] getting less interesting?

I wish we could restart the polls that we use to have. Not sure why the moderators took them away. The polls were always interesting and starting them again would re-energize discussion. I liked the polls too! They gave a quick view of where most people stand on a particular money matter. Then, if ...
by Youngblood
Tue Aug 29, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Two Issues for New Investor [portfolio help, move fund to Vanguard]
Replies: 28
Views: 1843

Re: Two Issues for New Investor

OP, is the money you received from your Grandmother a gift or inherited?
by Youngblood
Tue Aug 29, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8545

Re: Relative angry I will not co-sign

Not sure what I would do in your situation. How is the "close relative" related to you? That would matter to me. I have gone both ways when relatives have asked for money.

I hope you make the right decision.
by Youngblood
Wed Aug 23, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 10029

Re: Non-fiction bucket list

celia wrote:
Fri Aug 18, 2017 2:01 pm
The Last Lecture by Randy Pausch and Jeffrey Zaslow.
A valuable read for me too.
by Youngblood
Wed Aug 23, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 10029

Re: Non-fiction bucket list

I also strongly recommended this golden book: Another Sort of Learning: Selected Contrary Essays on How Finally to Acquire an Education While Still in College or Anywhere Else: Containing Some Belated Advice about How to Employ Your Leisure Time When Ultimate Questions Remain Perplexing in Spite of...
by Youngblood
Sun Aug 20, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16818

Re: Lost $7000 today in ONE DAY!

Hi everyone, I lost $7000 today in one day. My portfolio is below. Ironically, I've just returned from a store where I was arguing with a cashier over 0.50 cents! Got home and saw that the portfolio went down by $7k... :oops: Should I change the allocation if this kind of downswing bothers me? :con...
by Youngblood
Fri Aug 18, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1727

Re: How do you know how much your portfolio lost/gain in one day?

With all due respect, nobody that said they lost 7K, 13K or whatever yesterday, lost a single penny. Unless they actually made a stupid decision to lock in the losses, that is. Unless whatever they sold keeps going down by a lot more. Sorry, that doesn't compute. Think about it. When I actually sel...
by Youngblood
Fri Aug 18, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1727

Re: How do you know how much your portfolio lost/gain in one day?

invst65 wrote:
Fri Aug 18, 2017 2:49 pm
With all due respect, nobody that said they lost 7K, 13K or whatever yesterday, lost a single penny. Unless they actually made a stupid decision to lock in the losses, that is.
Unless whatever they sold keeps going down by a lot more.
by Youngblood
Thu Aug 10, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for my Wife - Introductory Post & First Question
Replies: 23
Views: 3277

Re: Planning for my Wife - Introductory Post & First Question

You might consider using Vanguards very inexpensive AUM plan. That way your wife wouldn't have to worry about managing assets. In regards to taxes, how have you been doing them in the past? Are they complicated? Software tax programs (TurboTax) are pretty simple to use. Most have an interview format...
by Youngblood
Thu Aug 10, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 52
Views: 4299

Re: Do you plan to ditch your laptop in travel soon?

Last two trips were a hiking trip to the Smokies and an Alaska cruise. Both times I had only my phone and it was totally freeing not lugging either a tablet or my Surface pro around or worrying about theft.

So, from now on, it's phone alone.
by Youngblood
Mon Aug 07, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: How do you deal with financial anxiety?
Replies: 40
Views: 3311

Re: How do you deal with financial anxiety?

I don't believe everything my mind tells me.
by Youngblood
Sat Aug 05, 2017 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 468
Views: 56392

Re: Quicken's future direction - a cause for concern

I'll be though with Quicken for good if they become greedy. I'm switching to GnuCash. In the final stages of experimenting, but have all of 2017 data entered into GnuCash already. If for no other reason (and there are other reasons), I'm making the switch because I can control the font and text siz...
by Youngblood
Fri Aug 04, 2017 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 468
Views: 56392

Re: Quicken's future direction - a cause for concern

I plan on keeping my subscription with Quicken but glad that those who choose not to will be able to enter data manually.

YB
by Youngblood
Tue Aug 01, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 4865

Re: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]

Retiringwhen, Your examples are good but I am just concerned about the pendulum swinging too far towards providing a cheaper product at the expense of all the good things that a Fidelity provides. I have accounts at both Fido and VG. In my decades long experience with both, I have favored Fido's web...
by Youngblood
Tue Aug 01, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 4865

Re: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]

What we are seeing is the creative destruction of capitalism. I too think this might be so. Perhaps the root cause of this is that more and more people want more and more stuff for free or nearly so. Every business whether in the financial industry, consumer staples, entertainment, farming, healthc...
by Youngblood
Mon Jul 31, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring IRAs from American Funds to Vanguard
Replies: 15
Views: 1231

Re: Transferring IRAs from American Funds to Vanguard

All, thank you for your responses. Circling back. Spoke to a Vanguard representative and confirmed that Vanguard does not charge additional fees for purchases, sales, or exchanges of any load fund offered through their program even if transferred. However, the funds themselves could have back-end o...
by Youngblood
Tue Jul 25, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 10257

Re: [Amazon Prime Day]

I have used Spotify on my desktop but not with Alexa. I just looked and you are right about needing premium account.

I use Pandora and Amazon music via Echo Dot and from Desktop.

Did you try linking your Pandora account with your Alexa phone app? I know that works.
by Youngblood
Tue Jul 25, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance as a tax diversification strategy
Replies: 39
Views: 2544

Re: Life insurance as a tax diversification strategy

Thank you all for your replies. Are there any investment management options going forward at age 70 to minimize taxes ? I didn't think I could convert an IRA to a Roth without earned income. The only income is SS. You certainly can convert IRA to Roth without earned income. You just can't contribut...
by Youngblood
Tue Jul 25, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 34986

Re: John Bogle Has Been Right About Investing In International Stocks

Should internatonal stocks underperform in perpetuity, the day will come when the entire capitalization of the stock market will be made of US stocks. Reductio ad absurdum , An interesting reading on Wikipedia Thank you for this post and many others. I am surprised at least some of those holding op...
by Youngblood
Tue Jul 25, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 10257

Re: [Amazon Prime Day]

They are free with a few very short commercials. The premium subscriptions do not have ads and those you do pay for. I have the free type.
by Youngblood
Tue Jul 25, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 10257

Re: [Amazon Prime Day]

Then just say: Alexa, play Pandora, or spotify etc.
by Youngblood
Mon Jul 24, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10974

Re: Is Amazon Prime worth it?

I enjoy having Amazon Prime and know I am getting my money's worth through a combination of Prime Video, Prime Music, Prime lending library, free shipping and reading the reviews of products. Heck, for $99 I have enjoyed enough with Prime video alone to make it worth it. Even just watching four show...
by Youngblood
Sat Jul 22, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: The Quest for Perfection
Replies: 120
Views: 7246

Re: The Quest for Perfection

OP, I don't think many companies issue stock certificates anymore (I wish they did because they were beautiful and a great gift for minors).

YB
by Youngblood
Fri Jul 21, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Kicking the net worth habit
Replies: 47
Views: 5728

Re: Kicking the net worth habit

To me, net worth is a largely useless number and I'm still planning for retirement. However, as I'm not going to sell off my physical assets such as my house, bothering to come up with a value for such things to put into a net worth calculation doesn't seem to make any sense to me as I'm not planni...
by Youngblood
Thu Jul 20, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 7648

Re: Would you let your teenager spend all his savings on a gaming computer?

Probably all relative. I recently read a news blurb that young men are choosing to stay out of the work force in order to play computer games.

YB
by Youngblood
Tue Jul 18, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 13229

Re: Books not to read.

The Millionaire Next Door by Stanley and Danko. Victoria Interesting, I remember reading this book a very long time ago. When I just looked up the publishing date it was 1996. Hmmm, I actually remember this book as consisting of interesting research. The fact that I remember it at all, makes it som...
by Youngblood
Mon Jul 17, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3055
Views: 902697

Re: What Movie Have You Recently Watched?

I started to watch a preview of "A man Called Ove", and accidentally hit the rent button. It was ok, I got used to the subtitles quickly. They were large and clear. The move was somewhat enjoyable, but I would not rent it again, nor say it was a great movie. It was informative on how other countrie...
by Youngblood
Fri Jul 14, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 10257

Re: Amazon prime day

What are you buying? I might get a Fire tablet. $30 doesn't seem like a bad deal, especially compared to an iPad. While I am not an Apple fan, a $30 Kindle Fire is not anywhere near equivalent to an iPad. You are comparing apples and ... That's what I thought until I purchased an HD 8" Fire tablet ...
by Youngblood
Fri Jul 14, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Questions about security camera systems
Replies: 14
Views: 1912

Re: Questions about security camera systems

I am interested in following this thread for our condo and parking area.

One totally climate controlled and the other just under a covered carport.

YB
by Youngblood
Mon Jul 10, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: A question about GENTLE excercise.............
Replies: 22
Views: 2660

Re: A question about GENTLE excercise.............

Age 69 here. I took three and a half years of yoga classes (not gentle but not hot yoga). I enjoyed it very much but noticed that as students would leave and join a lot of new students would not be able to do many of the poses and even though the instructor helped and encouraged them to modify most ...
by Youngblood
Wed May 24, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 15031

Re: i am my own "guy," but not sure I should advertise that

[...]He said he just tosses the money into the account to avoid eating dog food in the feature. (Why is pet food always offered up as an example of poverty in old age?) If I was poor in old age, I'd eat beans before reaching for the Alpo :oops: :sharebeer It's doubly ironic given that folks who eat...
by Youngblood
Mon May 22, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 10519

Re: Net worth is overrated

I think it is of value in determining many things in regards to spending, retirement and financial independence.
Not in isolation but, very important.
by Youngblood
Sun May 21, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 64
Views: 4967

Re: Anyone else track the value of their investments by discounting the value of equities?

Emotions cause humans to make all sorts of mistakes regardless of all cerebral cortex activity. Fear and greed can affect most of us given the right conditions. I do mentally subtract 50% of the equity portion of my net worth just to attempt to determine how I would cope and feel about that amount o...
by Youngblood
Tue May 16, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: Money market funds or other low risk funds - please help
Replies: 12
Views: 721

Re: Money market funds or other low risk funds - please help

Fidelity has good CD ladders you can purchase or simply choose any individual CD which are FDIC insured.
by Youngblood
Tue May 16, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 10885

Re: Was there a $$$ number after which things got easier?

For me it was when I made more money investing than I did teaching school.

YB
by Youngblood
Tue May 16, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 2064

Re: Quality decline in off-brand alkaline batteries?

I have had several Kirkland batteries leak too. I suspect that part of the issue is that the chemistry was changed five or so years ago to stop using any mercury in them. According to this web site; Manufacturers around the world use mercury in batteries to prevent the buildup of internal gases tha...