Search found 1460 matches

by catdude
Sun Apr 22, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 32
Views: 1938

Re: Need to cut the cable cord - is there an alternative?

OP, Once you develop a workable alternative to cable, your cable company will (I predict) offer you a sweet deal to stay. My local cable company did... I was ready to cut the cord, thanks to an OTA antenna and Sling TV. I called the cable company to cancel and they knocked 40% off my monthly bill to...
by catdude
Thu Apr 19, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4289

Re: PC laptops

If you want more life out of your computer (if possible): -Replace HD with SSD -Add Memory to 16GB Total -Replace bluetooth keyboard/mouse with USB wireless 2.4Ghz keyboard/mouse. Apple bluetooth keyboard and mice sometimes have latency issues. Thanks very much for the suggestions. I ordered a new ...
by catdude
Wed Apr 18, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4289

Re: PC laptops

Hi, OP again. Let me talk a bit about my old iMac. Maybe if I get more specific y'all can help me squeeze a bit more life out of it. When I say that it's slowed down, I mean that there frequently seems to be a latency or lag with several functions. For example, in typing this post, there have been a...
by catdude
Tue Apr 17, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4289

Re: PC laptops

I love the Bogleheads. OP asks for a PC, clearly meaning a windows computer, and gets 5 suggestions for a Chromebook and one nomenclature correction. Did they mean that? He or she never said Windows. They only indicated they didn't want a Mac, and they were looking to spend around $300. While admit...
by catdude
Tue Apr 17, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4289

PC laptops

Hi there Bogleheads - I'm in the process of exiting the Apple ecosystem. A couple months ago I replaced my iPhone SE with a Motorola Moto G. Now my iMac seems to be giving up the ghost. It's almost five years old and it's really slowing down. I'm thinking I'll get a new PC laptop. I was checking out...
by catdude
Tue Apr 10, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37364

Re: Name something you bought that wasn't cheap and glad you did

I bought a specialized cat ladder (7-step) for my kitties. They love it. Cost (including shipping): $400. Worth every penny...
by catdude
Mon Apr 09, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7905

Re: Cash flow problems - best way to handle?

OP, Several folks have suggested cutting cable. That's a good idea, and one way to make that happen is to buy an over-the-air TV antenna. I bought one awhile back for 30 bucks from Amazon. It gets excellent reception (YMMV). And/or call your cable company to negotiate a better deal. Just this aftern...
by catdude
Sat Apr 07, 2018 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 3044

Re: Vanguard Customer Service

So what should I do? I've been with Vanguard for roughly 20 years and I've never had to call them. I've always been able to handle everything online. I imagine that will continue to be the case, but you never know... Should I drop them?
by catdude
Tue Apr 03, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 3803

Re: How did you file your income taxes?

I e-filed thru FreeTaxUSA in early February (my taxes are fairly simple). Got my federal refund in about a week, my state refund in about three weeks.
by catdude
Tue Apr 03, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 53
Views: 61761

Re: Opticians: is there any difference in quality of Costco glasses?

I just want to thank those of you who recommended Costco for glasses. Based on those recommendations, I decided to give them a try. I got a pair of glasses with progressive/transition lenses, and a pair of reading glasses, for an all-in cost of $285. IIRC last time I bought glasses (from one of the ...
by catdude
Mon Apr 02, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 31
Views: 5447

Re: Sad because I did not know what I was doing with inheritance

OP, awhile back I posted a message admitting to a few of my dumb financial mistakes. That post got scores of responses! There are tons of Bogleheads out there who've made major mistakes but have learned from them and recovered to the point where they're in a good place financially. You can do the sa...
by catdude
Fri Mar 30, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21727

Re: Anyone Deleting Facebook?

I deleted my account earlier this week, though I hardly ever used it. I would typically check it every six months or so. Facebook just never really interested me all that much. But it feels good to break away from them for good.
by catdude
Tue Mar 27, 2018 11:53 pm
Forum: Investing - Theory, News & General
Topic: What would you do if you were in charge of a State Pension Fund?
Replies: 36
Views: 2013

Re: What would you do if you were in charge of a State Pension Fund?

I worked for a municipality for many years (I'm retired now), and for most of that time I worked down the hall from the pension administrative office. Once or twice I got into conversations with the director of the pension funds regarding index funds. Not too surprisingly, she seemed to be threatene...
by catdude
Sun Mar 25, 2018 1:45 am
Forum: Investing - Help with Personal Investments
Topic: Help needed before I go mad :D
Replies: 53
Views: 5239

Re: Help needed before I go mad :D

2. I am probably speaking for many here...perhaps the majority, who , like me, did dumb things with their money when they were in their 30s - much dumber than what you did- and learned from the experience. I'd be embarrassed to share what I did with this crowd. Consider the price you paid a modest ...
by catdude
Sat Mar 24, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 3244

Re: changing my signature when signing checks and credit card receipts

True confessions time, folks -- I stutter... it's pretty variable -- good days and bad days, etc. I bring this up because I don't just stutter when I talk, I stutter when I write as well. From what I hear, that sort of thing isn't unheard of. I have a helluva time when I have to produce a signature....
by catdude
Mon Mar 19, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Incredibly sleazy Northwestern Mutual cold caller
Replies: 78
Views: 7715

Re: Incredibly sleazy Northwestern Mutual cold caller

I am sorry that we will never be able to enjoy such conversations, we are over 70, because we only pick up phones when we know the caller. Such cold callers also leave no messages, except once a fake IRS guy told us that we are in trouble, and we enjoyed listening to that recording many times. This...
by catdude
Sun Mar 18, 2018 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 187
Views: 18740

Re: Those with high savings rate: why?

Early retirement... My goal was to retire at 55, and I made it. Working for a living ain't all it's cracked up to be. :)
by catdude
Tue Mar 13, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 4001

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

Y'all - Just thought I would revive this thread to alert interested folks to another sale on the moto g5+. This time it's at Amazon, not Costco... here's a link to the 32gb version, which is available for $175 -- https://www.amazon.com/Moto-PLUS-5th-Generation-Exclusive/dp/B0785NN142/ref=pd_rhf_gw_...
by catdude
Tue Mar 13, 2018 1:30 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40868

Re: What frugal thing did you do today?

I just bought a very Bogleheadish smartphone on sale at Amazon. It's the Motorola Moto G5 plus (64 GB, 4 GB RAM). I'd been thinking about it for a few days, and had decided to wait for it to come on sale. When I saw that Amazon had it for $210, I snapped it up. I've previously had a couple of Moto G...
by catdude
Tue Mar 13, 2018 1:18 am
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 4001

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

Y'all - Just thought I would revive this thread to alert interested folks to another sale on the moto g5+. This time it's at Amazon, not Costco... here's a link to the 32gb version, which is available for $175 -- https://www.amazon.com/Moto-PLUS-5th-Generation-Exclusive/dp/B0785NN142/ref=pd_rhf_gw_p...
by catdude
Mon Mar 12, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Anybody have the Moto E4 phone?
Replies: 5
Views: 484

Anybody have the Moto E4 phone?

Hi Bogleheads - The other day I posted a message regarding the Motorola Moto G5 plus phone. I'm now taking a look at the Moto E4. Any of you folks use that phone? If so, what do you think of it? It gets glowing customer reviews on Amazon and Best Buy. But someone mentioned that its video capabilitie...
by catdude
Fri Mar 09, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Moto G5+ and Android Pay
Replies: 5
Views: 385

Re: Moto G5+ and Android Pay

The Moto G5 Plus does NOT have NFC. Sorry, I wasn't clear in my OP. I realize the G5 plus doesn't have NFC. I'll probably get it anyway, but at the same time I'm willing to consider the Moto X4 (with NFC) if, generally speaking, retailers are up & running with Android Pay. How widespread is the imp...
by catdude
Fri Mar 09, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Moto G5+ and Android Pay
Replies: 5
Views: 385

Moto G5+ and Android Pay

Hi Bogleheads - Lately I've been thinking about ditching my iPhone SE and going back to the Moto G phone, specifically the Moto G5 plus, which seems to be the latest & greatest version. Yes, the good old reliable (and Bogleheadish) Moto G. The SE is a neat little phone but I think I'd be happier wit...
by catdude
Sun Mar 04, 2018 1:33 am
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 6909

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

I've had five colonoscopies. I'm on the three-year cycle... each time they find one or two small polyps, so they tell me to come back in three years. Last time (about a year ago) one of the polyps they removed was pre-cancerous. So I'm definitely glad I had the colonoscopy. The prep is the hard part...
by catdude
Sat Mar 03, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: iPhone won't ring for incoming calls
Replies: 10
Views: 1276

Re: iPhone won't ring for incoming calls

This may be a stupid question, but have you checked the ring/silent switch on the top-left side? And does it still vibrate but just not ring? It turns out that was a great question! I saw that switch there but didn't know what it was for. I pressed it; then used my landline to call my cell. It ring...
by catdude
Sat Mar 03, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: iPhone won't ring for incoming calls
Replies: 10
Views: 1276

iPhone won't ring for incoming calls

I hope y'all can help me with an iPhone problem I'm having. My iPhone SE doesn't ring when I have an incoming phone call. I've got the volume control turned up to the max, and I've been tinkering with the settings, all to no avail. It also doesn't chime when I have a new incoming text message. If I ...
by catdude
Fri Mar 02, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Over 62 and waiting to claim Social Security? - Potential Fraud alert
Replies: 28
Views: 3193

Re: Over 62 and waiting to claim Social Security? - Potential Fraud alert

I just tried to set up an account at ssa.gov ... the site said it couldn't set up an account for me. There was a phone number to call; I tried calling, but the automated voice said there was a 55-minute wait to talk to a real human, so I hung up. I'm wondering what to make of this. The site didn't s...
by catdude
Fri Mar 02, 2018 2:25 am
Forum: Investing - Help with Personal Investments
Topic: older investor
Replies: 5
Views: 676

Re: older investor

Vanguard Target Retirement 2020. 55% stocks, 45% bonds. She could start with that. But we need more info to really help. Is she already retired? Drawing Social Security? Does she have a pension? What is she investing for?
by catdude
Thu Mar 01, 2018 1:49 am
Forum: Personal Consumer Issues
Topic: Irish coffee recipes
Replies: 2
Views: 493

Irish coffee recipes

Once or twice a week, on cold winter nights, I like to indulge myself and have an Irish coffee. It helps keep me warm. The recipe I use has a simplicity that a Boglehead can appreciate -- 2 oz Irish cream, 1 oz Irish whiskey, 5-6 oz of coffee. Sometimes I add a little whipped cream on top. Yummy! I'...
by catdude
Sun Feb 25, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 11523

Re: How Far is too Far, Commuting?

In my late 20's/early 30's, for a period of about five years, I had a studio apartment that was a couple blocks from my workplace. It was wonderful! Not having to commute to work was just great. Unfortunately my job sucked, though, and my commute-free life ended when I made a career change. I wish I...
by catdude
Sat Feb 24, 2018 1:45 am
Forum: Investing - Theory, News & General
Topic: What books changed your outlook on how you should invest?
Replies: 54
Views: 4256

Re: What books changed your outlook on how you should invest?

.The Index Fund Solution, by Richard Evans. That led me to Mr. Bogle’s Common Sense on Mutual Funds. I’ve been a Boglehead ever since.
by catdude
Thu Feb 22, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Why open a taxable account?
Replies: 27
Views: 2746

Re: Why open a taxable account?

Generally you can't withdraw funds without penalties from 401k's and IRA's before age 59.5. If there's any chance you'll want to retire at say, age 55, a taxable account will come in really handy.
by catdude
Wed Feb 21, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37364

Re: What UN-frugal thing do you do?

I spend a lot of money on my four senior cats (of course).
by catdude
Sat Feb 17, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 11497

Re: What has been your most important skill in achieving financial independence?

Being the kind of person who doesn't need all that much to be happy.
by catdude
Thu Feb 15, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 2027

Re: Just added Total Int'l Stock; add Total Int'l Bond too?

What % bonds do you now have? If a lower %, I definitely wouldn't bother. Most here don't bother unless it is in the fund already, such as a Target Date or Life Strategy. Some do, and that is following Vanguard's advice, so it could be the right thing to do. It probably doesn't matter a lot, and yo...
by catdude
Thu Feb 15, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 2027

Re: Just added Total Int'l Stock; add Total Int'l Bond too?

I'm just wondering if, while I'm at it, I should add Total International Bond (VTABX) catdude: I answered your question on page 11 in my Three-Fund Portfolio topic. This is a direct link: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005&start=500#p1837043 Read my "Simplicity" link below....
by catdude
Thu Feb 15, 2018 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 2027

Just added Total Int'l Stock; add Total Int'l Bond too?

Today I took the big plunge and moved to a three-fund portfolio. I added Vanguard Total International Stock fund (VTIAX) to my previous two funds (Vanguard Total Stock and Total Bond). VTIAX now comprises 20% of my equity allocation. I'm just wondering if, while I'm at it, I should add Total Interna...
by catdude
Wed Feb 14, 2018 2:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Let's Wish Mr. Bogle - Happy Valentine's Day
Replies: 2
Views: 392

Re: Let's Wish Mr. Bogle - Happy Valentine's Day

Wonderful poem, Kathleen!

Mr. Bogle - In all honesty, given that I'm a guy, I have to admit that you're not exactly my idea of a valentine. But I will nevertheless wish you a Happy Valentine's Day! We've never met, but you've done a lot for me, and I sincerely appreciate it. Thank you!
by catdude
Fri Feb 09, 2018 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of splitting up my portfolio
Replies: 4
Views: 624

Thinking of splitting up my portfolio

Hi Bogleheads - The recent crash of Vanguard's website amidst all the equity market bloodletting has me thinking I made a mistake a year or two ago when I consolidated all of my accounts with VG. It's been nice, and convenient, having everything with one company, but if VG's site were to go down for...
by catdude
Thu Feb 08, 2018 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13838

Re: Financial Hole

LiterallyIronic is right....

OP, either make some necessary changes, or live the way you're living for the rest of your life.
by catdude
Thu Feb 08, 2018 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13838

Re: Financial Hole

I think that Consumer Cellular is what old people use,and I'm sure that doesn't include data. Guilty as charged! I'm 62 years old, and I use Consumer Cellular. Yeah, I'm an old dog. I pay CC 25 bucks a month for my cell service, and yes, that includes data. I'm a generally frugal person, and on the...
by catdude
Mon Feb 05, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13838

Re: Financial Hole

I need my phone for work contact,plus I commute alot so definitely need phone. Eat out very rarely,unless you consider fast food dollar menu. As far as credit cards,I have around 7 now and pay the minimum on each... OK, which company do you use for phone service? There are low-cost options out ther...
by catdude
Mon Feb 05, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Just got robo-call from "Internal Revenue Service" -- yeah, right
Replies: 3
Views: 657

Just got robo-call from "Internal Revenue Service" -- yeah, right

Hi Bogleheads - A few minutes ago the phone rang and it was a robo-call. It was supposedly the IRS and they were calling to let me know this was my last chance to settle up with them before they arrest me for "tax fraud." I hung up on them. I'm not too worried cuz the IRS's initial point of contact ...
by catdude
Mon Feb 05, 2018 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Average dude with just W-2 and some 1099-INT income
Replies: 18
Views: 1758

Re: Average dude with just W-2 and some 1099-INT income

Take a look at FreeTaxUSA -- I used them to file this year... https://www.freetaxusa.com/ They're cheaper than TurboTax. My federal filing was free, and my state filing cost only $12.95. Like you, my taxes are simple -- standard deduction, a W-2, a handful of 1099's. For some reason, my turbotax is...
by catdude
Mon Feb 05, 2018 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Average dude with just W-2 and some 1099-INT income
Replies: 18
Views: 1758

Re: Average dude with just W-2 and some 1099-INT income

Take a look at FreeTaxUSA -- I used them to file this year...

https://www.freetaxusa.com/

They're cheaper than TurboTax. My federal filing was free, and my state filing cost only $12.95. Like you, my taxes are simple -- standard deduction, a W-2, a handful of 1099's.
by catdude
Sun Feb 04, 2018 1:50 am
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 8028

Re: "Bitcoin is my potential pension"

HomerJ wrote:
Sun Feb 04, 2018 1:41 am
catdude wrote:
Sun Feb 04, 2018 1:07 am
Everybody wants to get rich quick.....
"After years of disappointment with get rich quick schemes, I know I'm gonna get rich with this scheme. And quick. "

-Homer J Simpson
*chuckle* :)
by catdude
Sun Feb 04, 2018 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software Recommendations
Replies: 28
Views: 1989

Re: Tax Software Recommendations

Another vote for FreeTaxUSA. I used it for the first time this afternoon to prepare & file my fed & state returns. It was a breeze. But then, my taxes are pretty simple and straightforward. A W-2 for life insurance premiums paid for by my ex-employer, and a handful of 1099's. Not much more to it tha...
by catdude
Sun Feb 04, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 8028

"Bitcoin is my potential pension"

Hi there Bogleheads - I really haven't been paying much attention to the Bitcoin mania... but I thought I'd share a Washington Post article on some folks in Kentucky who are looking for a big kill... https://www.washingtonpost.com/business/economy/bitcoin-is-my-potential-pension-what-is-driving-peop...
by catdude
Thu Feb 01, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2386

Re: looking for positive experiences transferring to Vanguard

A couple years ago I transferred an IRA from Fidelity to Vanguard. I don't remember the details, just that it went very smoothly. No problems at all.