Search found 116 matches

by fishandgolf
Thu Jul 13, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 178
Views: 6998

Re: Do you count vehicle equity in net worth?

reriodan wrote:If you need to count a vehicle in your net worth, you don't need to be counting your net worth.


++1 Unless of course, you have a Jay Leno kinda collection........... :oops:
by fishandgolf
Tue Jun 20, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 8356

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

yeah.....just spotted this on another thread.... Time to move on this great offer!
by fishandgolf
Sun Jun 18, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 5148

Re: Best Financial Advice from Dad (in honor of father's day)

My father rarely spoke about money......but did teach us about life and values. One of the best.......

Honesty isn't the best policy...........It's the only policy
by fishandgolf
Thu Jun 15, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 37725

Re: Regret early retirement/downsizing

.....retired at age 56........... My wife said "Watcha doing today?" I said "Nothing" She said.... "You did that yesterday". I said "I wasn't finished"
by fishandgolf
Sun Jun 11, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Looking for Short Term Cell Phone Plan in Canada
Replies: 1
Views: 171

Looking for Short Term Cell Phone Plan in Canada

DW and I will be vacationing in Canada (Jasper, Banff, Lake Louise area) June 20 - 27th. Our current cell phone service is a pre-paid plan with Tracfone. It works fine in most areas in the USA but Tracfone is not active in Canada. Wondering if there is an inexpensive short-term plan (<30 days) that ...
by fishandgolf
Sat Jun 10, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2387

Re: Naming boat

"Paid for via Indexing"

"I pay myself"

"Indexing = New Boat"

"There's no place like Indexing"

"Indexing - U Can Do It 2"

"Follow Me to Indexing"
by fishandgolf
Sat Jun 10, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Travelling to Jasper, Banff, Lake Louise....few questions
Replies: 4
Views: 414

Re: Travelling to Jasper, Banff, Lake Louise....few questions

I had to edit my first thread......have a few more questions.....sorry for the confusion. :?
by fishandgolf
Fri Jun 09, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 108
Views: 18354

Re: Ally Bank - Is this a safe/best place to stash some cash?

After my initial post in January 2017, we received many positive comments about Ally Bank so DW and I opened a checking, savings, money market and credit card account.....everything was completed by early Feb. My overall comments of having worked with Ally for 4-5 months......FANTASTIC! Great people...
by fishandgolf
Fri Jun 09, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Travelling to Jasper, Banff, Lake Louise....few questions
Replies: 4
Views: 414

Travelling to Jasper, Banff, Lake Louise....few questions

I did an edit to my original post. I have more questions relating to our trip...... DW and I will be vacationing in Jasper, Banff, Lake Louise June 20th - 27th (40th Wedding Anniversary :happy ). First time we will be travelling in that area. Need to start packing for the trip and would appreciate i...
by fishandgolf
Thu Jun 08, 2017 7:20 am
Forum: Investing - Theory, News & General
Topic: Why You Still Can’t Trust Your Financial Adviser
Replies: 54
Views: 5798

Re: Why You Still Can’t Trust Your Financial Adviser

"Bernie Madoff was a very trusted Financial Advisor.......... HE MADE OFF WITH EVERYONE's MONEY
by fishandgolf
Sun May 21, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 5475

Re: What are your priorities for retirement?

1). Squeeze in more time for fishandgolf 2). Spend time with family and grand kids 3). Find a way to squeeze in more time for fishandgolf 4). Travel with my beautiful wife 5). Convince my beautiful wife that I need more time for fishandgolf 6) Finish landscape projects that I started three years ago...
by fishandgolf
Sat May 20, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Interesting conversation with an alleged SS actuary
Replies: 63
Views: 5285

Re: Interesting conversation with an alleged SS actuary

Now.....this is sound advice about when to take SS......:D

#1). If you need the money.....take it!

#2). If you don't need the money but want it...........take it!

#3). If you don't need it or want it early.......delay it!
by fishandgolf
Sun May 14, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: 2006 Chevy Trail Blazer - Unidentifiable Noise
Replies: 2
Views: 270

Re: 2006 Chevy Trail Blazer - Unidentifiable Noise

Thanks for the comments fabdog. I replaced tires about two years ago and rotate every 8-10k miles. There is probably 50-60% tread life remaining so I don't plan to replace until necessary. I do know the tires were aligned when installed new two years ago.....may need to do again. I don't think he di...
by fishandgolf
Sat May 13, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: 2006 Chevy Trail Blazer - Unidentifiable Noise
Replies: 2
Views: 270

2006 Chevy Trail Blazer - Unidentifiable Noise

Greetings Bogleheads........looking for input from mechanical folks. I've got an 06 Trailblazer (130K miles) that recently developed a higher pitch howling noise.....which sounds like it's coming from the rear of the vehicle. It is noticable at 30 mph and accentuates as speed increases. It's a const...
by fishandgolf
Sat May 13, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3569

Re: Price for brakes and rotors?

About 2 years ago, I replaced the rotors and brakes (both axles) on my 2005 Honda Pilot on a Saturday. I had a friend help. It took me about 4 hours to do it. Some of the old rotors wouldn't come off, I had to replace a caliper pin and had to go a couple Auto zones to find the right one. You know.....
by fishandgolf
Wed Apr 26, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Colorado trip - w visit to Red Rocks
Replies: 19
Views: 1325

Re: Colorado trip - w visit to Red Rocks

My wife and I recently spent a five day trip in the Colorado area. Highlight of our trip...........tour of New Belgium Brewery in Fort Collins, CO......very enjoyable, fun and..........no shortage of beer samples :sharebeer
http://www.newbelgium.com/Brewery/fort-collins
by fishandgolf
Tue Apr 18, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 35
Views: 4308

Re: Weight loss and investing

I stopped worrying about losing weight.........I am now concentrating on getting taller :sharebeer
by fishandgolf
Tue Apr 18, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 6065

Re: Is my electric bill high?

Our electric utility provides comparison of our bill with averages for our type of usage and also compares against efficient home. Since usage varies by locale, that is helpful for us. Does your utility do that? Also, many utilities will do free energy audits that can identify things to do to reduc...
by fishandgolf
Tue Apr 18, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 6065

Re: Is my electric bill high?

Upper mid-west, 2800 sq ft. gas heat, elec. dryer. Have two refrigerators and one upright freezer. Also running a night light for security purposes. During the summer months, I run a dehumidifier, which I know uses a lot of energy. Avg. monthly is $150.00. Low of $111.00 in March .....high of $192.0...
by fishandgolf
Fri Apr 14, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4868

Re: What do you do with your coins?

Years ago when I use to travel through Chicago on business, the toll booth fee was $0.40 at each booth. I had to go through 3 or 4 of them (one-way) to get to my destination. Someone once told me.... rather than toss in a quater, dime and a nickel, try throwing in 29 pennies. They said the counters ...
by fishandgolf
Thu Apr 13, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Acnt
Replies: 4
Views: 773

Re: Edward Jones Acnt

I echo Silk McCue's thoughts. I prefer my accounts being tidy, for me just sets my mind at ease not having random accounts I don't use out there. I would also request to be taken off their mailing list(s) - no need for EJ's advertising. Like Silk noted, the salespeople can be persistent - just be f...
by fishandgolf
Sat Apr 08, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at 62 vs 66
Replies: 53
Views: 9482

Re: Social Security at 62 vs 66

I thought this advise about SS was sound:

#1). If you need the money.....take it!

#2). If you don't need the money but want it...........take it!

#3). If you don't need it or want it early.......delay it!
by fishandgolf
Wed Apr 05, 2017 7:21 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 141
Views: 15800

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Wow....can you imagine a chance to meet Jack Bogle and the entire Boglehead staff.......and I thought Christmas was exciting!

Please add me to the waiting list.

Have a Happy Boglehead Conference!

Thank you!
by fishandgolf
Mon Apr 03, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 7034

Re: Got my second comma -- what is this anticlimactic feeling?

Chan_va wrote:Probably because you know that the 8 year bull market has to end sometime, and when it does, you will drop back. But crack open a cold one now - you have earned it!


+1....yep
by fishandgolf
Wed Mar 29, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 12200

Re: When do you plan to die?

I plan to live forever........so far I'm right on schedule :sharebeer
by fishandgolf
Wed Mar 29, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff?
Replies: 9
Views: 1342

Re: Mortgage payoff?

This comes up frequently, but at 4.85% I'd pay off the mortgage. Gill +1 Take a look at your mortgage statement. More than 50% of the interest on any mortgage loan is collected within the first 7 -10 years; it's front loaded. If you have the cash.....dash to the bank and make that loan past tense :...
by fishandgolf
Tue Mar 28, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 40
Views: 5176

Re: Daugther's Credit Card Windfall

Toons wrote:Do the "Right"Thing.
Call.
:happy


Honesty is the best policy...........it's the only policy. Get it straightened out ASAP!
by fishandgolf
Tue Mar 28, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 5467

Re: Daughter maxed out credit cards, needs help from me

Good Luck. How much can she (and/or will she) pay to clear this up? How has she determined that she cannot pay this bill? My recommendation: 1. Do NOT just pay it off or actually lend her the money. Based on what you post, she should be able to clear this up (see next step). 2. If you have the $20,...
by fishandgolf
Mon Mar 27, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 7085

Re: Weathering sell-off days like today

I think there are a few folks out there that are enjoying this little dip.....and perhaps waiting for more of it. When stock go on sale, it's time to put the buying hat on :beer
by fishandgolf
Sat Mar 25, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 38
Views: 3192

Re: Anyone use Verizon wireless prepaid for cell phones???

I haven't used Verizon wireless prepaid. Instead, I use Tracphone. I buy enough minutes and service days once a year and occasionally buy data for my android throughout the year as needed. +1 Wife and I have been using Tracfone for years. We are not big users so this plan works for us. Average mont...
by fishandgolf
Tue Mar 21, 2017 8:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 25231

Re: Your USER NAME...what does it mean?

Ok....this might not catch on but...............if you could change your USERNAME...or have a subordinate....USERNAME....what would it be? ....for me.......fishing and golf are my favorite hobbies. However......if I could have a subordinate USERNAME it might be......CCABW.......which stands for Chie...
by fishandgolf
Sat Mar 18, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 5629

Re: Mr. Bogle interviewed on CNN Smerconish

I just watched it.....great interview of a very great man. Thanks for posting the link!
by fishandgolf
Wed Mar 15, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 5982

Re: What to do with $100???

You want to spend it on something that puts a smile on your face......just as it did for your mom when she gave it to you. :happy This thread brings back a very recent memory...... My mom recently passed away at age 90. Her and dad (he passed 5 years earlier) lived on pay check to pay check......the...
by fishandgolf
Wed Mar 15, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Convincing Someone To Dump A Bad Financial Advisor
Replies: 39
Views: 3622

Re: Convincing Someone To Dump A Bad Financial Advisor

I would intervene only if:[list][*] P.S. Criticizing investment performance means you're probably not in the intervention zone. And keep in mind that if your mother took your advice and invested the way you want her to, you would now own all responsibility for the performance of her investments you...
by fishandgolf
Wed Mar 15, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 20094

Re: gratuitous homeownership items

Yikes, a few people said 2000-2500 square feet is too much for one or two people. That's the range I'm looking in ... should I be considering a smaller house? Also is a guest room gratuitous? That's one of the things I really want. My wife and I have 2800 sq. ft. and when the kids and grand kids co...
by fishandgolf
Tue Mar 14, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Laminate flooring that looks like hardwood
Replies: 25
Views: 1899

Re: Laminate flooring that looks like hardwood

I just finished installing EZ - Click 100% waterproof vinyl planking in the kitchen and laundry room. https://www.menards.com/main/flooring-rugs/vinyl-flooring/vinyl-planks/ez-click-trade-premier-vinyl-plank-6-x-36-18-26-sq-ft-pkg/p-1444426346275.htm We have hardwood (hickory) in the great room so I...
by fishandgolf
Tue Mar 14, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 20094

Re: gratuitous homeownership items

2-story log home in the woods. 3 bdrm, 2 bath, 2800 sq ft.....two people. Everything previously mentioned about home maintenance, mature trees and..... leaves....they're everywhere. Bugs, insects (wife freaks out when she sees a spider) sticks and branches on the roof and in the driveway...everywher...
by fishandgolf
Mon Mar 13, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: I have to share this quote
Replies: 32
Views: 4889

Re: I have to share this quote

I have some relatives that always seem to WIN when they go to the casino......I always like to tell them...........

There are two types of people that leave Las Vegas...........Losers and Liars!
by fishandgolf
Tue Mar 07, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 24529

Re: How to Die

Toons wrote:Thanks for the link,,powerful article


+1

Thank you for your contribution..........it was a powerful article.......and so very well written!
by fishandgolf
Sun Feb 26, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3669

Re: Outdoor grill: gas or electric?

.....a further note. I just started using the gas grill in August 2016. Wife won this thing in a drawing of some sort so now we have a gas grill. I was 100% charcoal until then. What I do like about the gas grill is that it's quick and easy...and works well in cold weather....which is where we live....
by fishandgolf
Sun Feb 26, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3669

Re: Outdoor grill: gas or electric?

Congratulations on the new house! I have both gas and charcoal.....and use both often. I use the gas grill for burgers, chicken breast and veggies (asparagus, zucchini, etc) and the charcoal for searing steaks, baby backed ribs, pork chops, cedar planked salmon, etc. I have one gas and two charcoal ...
by fishandgolf
Sun Feb 26, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: moving from landscaper/snow plower to diy in retirement
Replies: 44
Views: 3335

Re: moving from landscaper/snow plower to diy in retirement

thanks for all the replies. I've done some research, I can get a floor model sear craftsman 20442 rider mower delivered for $1800. Comes w full warranty, well reviewed by consumer reports and on the sears site. Maybe I'm missing something but seems like the payoff would be one season or less. But.....
by fishandgolf
Tue Feb 21, 2017 9:28 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 4634

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Wow......just saw this thread.......10th Anniversary.......Wow! Reading some of the history to learn who and how things got started......another Wow! Jack Bogle replied...........now that is a really BIG WOW! Jack is a GIANT of a man......I own him and all Bogleheads much. You have made a huge diffe...
by fishandgolf
Mon Feb 13, 2017 9:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 25231

Re: Your USER NAME...what does it mean?

My CB handle from a long time ago. KANR8804 - the Bluelight. Ah yes, I've still got my old FCC CB license from ages ago (back when you had to have an actual license to "officially" transmit (cost was $5 back then). Wow......this brings back a few memories. I nearly forgot about those days...
by fishandgolf
Sun Feb 12, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 127
Views: 18314

Re: The Wall Street Journal to close Google loophole entirely

quote="heartwood"]As others have mentioned there are several ways to get discounted subscriptions. I won't repeat them, but I've had one for many years. I only post to say that the WSJ has recently rolled out a new e-reader that is so much better than their old version. It's not as good as...
by fishandgolf
Sat Feb 11, 2017 11:33 pm
Forum: Forum Issues and Administration
Topic: welcome home bogleheads.org
Replies: 30
Views: 3695

Re: welcome home bogleheads.org

A special thank you to the entire Boglehead staff for your unrelenting support. You folks are the best!!!
by fishandgolf
Sat Feb 11, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 5560

Re: Keep a Local Bank?

Index Fan wrote:I have both a brick and mortar bank and an online savings bank. The former is for 'just in case' (a bank is 5 minutes down the road from me) and the latter is to maximize interest earned on the cash I keep in savings.


+1 yep....same here :D
by fishandgolf
Sat Feb 11, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 110
Views: 11931

Re: How Much Cash Do You Actually Hold?

I am retired and wife still works full time. She likes CASH......and it has to be VERY secure.....so it's in savings and checking account. Probably enough cash that accounts for 1.25 years of living expenses. My long term relationship goal.....keep wife HAPPY :D It's been said here before and worth ...
by fishandgolf
Fri Feb 10, 2017 7:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 25231

Re: Your USER NAME...what does it mean?

Well triceratop....I will accept your invitation to guess.............. Here's what Wikipedia has to say about Triceratops: https://en.wikipedia.org/wiki/Triceratops So....either you have some sorta passion for three horned dinosaurs and you intentionally omitted the "s" at the end of the ...
by fishandgolf
Thu Feb 09, 2017 8:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 25231

Re: Your USER NAME...what does it mean?

The replies are really cool.....many folks have put meaningful thought into choosing their USERNAME. When I registered, I was sort of discombobulated as to what it should be.....it was spontaneous and I didn't have a clue what to use.....then "fishandgolf" hit me; actually, I was surprised...

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