Search found 1848 matches

by rec7
Mon Jul 25, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 37
Views: 2102

Re: My experience with "older" used car

It has been almost a year since we purchased a late 90's Toyota Camry (under 75,000 miles), very well maintained, from long time friends. They gave us a good price as well. The car meets our current needs and has been generally reliable. I suspect that the "problems" we have had are typic...
by rec7
Sun Jul 24, 2016 2:11 pm
Forum: Investing - Theory, News & General
Topic: King Solomon was the original Boglehead - historically speaking
Replies: 28
Views: 1611

Re: King Solomon was the original Boglehead - historically speaking

Financial advice he wrote as early as 930 B.C.: "Ship your grain across the sea; after many days you may receive a return." (International Allocation, Stay the Course) "Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land." (Index funds, ...
by rec7
Sat Jul 23, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Need advice about setting up netflix or hulu brand new to all this
Replies: 18
Views: 1180

Re: Need advice about setting up netflix or hulu brand new to all this

Do you have a device (laptop, tablet or smartphone) that you can take to the location of the TV? I would recommend that you do a speed test there or just stream video directly. Since your wifi connection is at a distance from the TV, you could have trouble with getting a consistent signal or you mi...
by rec7
Sat Jul 23, 2016 4:17 pm
Forum: Investing - Theory, News & General
Topic: Confusion about Synchrony Bank Early Withdrawal Penalty
Replies: 21
Views: 2130

Re: Confusion about Synchrony Bank Early Withdrawal Penalty

Does anybody know what credit bureau Synchrony pulls?
by rec7
Sat Jul 23, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 2476

Re: Should one upgrade to Windows 10? Free thru July 29?

I'm staying with Win7, it does fine what I need and little that I don't. As for the "free or or pay later" rationale advocated here, I figure when I buy a new system sometime in the future it will come pre-loaded with 10 and for the systems I have now I'll jump to Linux in 2020 when updat...
by rec7
Sat Jul 23, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Need advice about setting up netflix or hulu brand new to all this
Replies: 18
Views: 1180

Re: Need advice about setting up netflix or hulu brand new to all this

Good news the tv has a HDMI and can get 1080 resolution. Can you set a lower resolution for faster downloading? Is the roku the best streaming device to get?
by rec7
Fri Jul 22, 2016 10:30 pm
Forum: Personal Consumer Issues
Topic: Need advice about setting up netflix or hulu brand new to all this
Replies: 18
Views: 1180

Re: Need advice about setting up netflix or hulu brand new to all this

Thanks everybody I am thinking of a roku. I think you can get sling on roku to. I should be ok because of my older tv I don't need HD.
by rec7
Fri Jul 22, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 2476

Re: Should one upgrade to Windows 10? Free thru July 29?

It is not a bad I even put it on my 9 year old computer. It runs great the only thing is I have to press the power button twice to shut it off. It was an old vista machine. I am not sure it was 100% upgradeable but it seems to work good.
by rec7
Fri Jul 22, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Need advice about setting up netflix or hulu brand new to all this
Replies: 18
Views: 1180

Need advice about setting up netflix or hulu brand new to all this

Here is what I have I have wi-fi at one end of the house and one tv at the other end of the house. The tv is an lcd from 2009. Can I make this work with the two apart like this? What is best to go with chromecast or ruku?
by rec7
Thu Jul 21, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 57
Views: 4102

Re: World VCR production is ending next month. What to do with my old VHS tapes?

I am still using my VCR a couple times per week. Anybody else?
by rec7
Mon Jul 18, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: When to Buy New Tires
Replies: 10
Views: 861

Re: When to Buy New Tires

I have 9 year old tires on my car they are still running good. They have good thread on them still. I drive about twice as much as you.
by rec7
Sun Jul 17, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: When traveling what do you use to bank online safely
Replies: 44
Views: 2403

Re: When traveling what do you use to bank online safely

Looking at this chromebook does it have a SIM? http://www.walmart.com/ip/45622188?wmlspartner=wlpa&selectedSellerId=0&adid=22222222227033614886&wmlspartner=wmtlabs&wl0=&wl1=g&wl2=c&wl3=70399787192&wl4=pla-138226385312&wl5=9023261&wl6=&wl7=&wl8=&wl9...
by rec7
Sat Jul 16, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: When traveling what do you use to bank online safely
Replies: 44
Views: 2403

Re: When traveling what do you use to bank online safely

Great answers. I am brand new to devices other than a desktop. I just got a cell phone a month ago. I was scared to use wi fi away from home.
So I could get a chromebook and Tunnel Bear to use at a coffee shop or motel. Doing internet banking safely that way.
by rec7
Sat Jul 16, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: When traveling what do you use to bank online safely
Replies: 44
Views: 2403

When traveling what do you use to bank online safely

I have a 5 inch cell phone but find that to small. Any ideas for something bigger that does not cost a lot but would still be safe for online banking.
by rec7
Wed Jul 13, 2016 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Any wealthy bogleheads NOT use credit cards??
Replies: 88
Views: 4547

Re: Any wealthy bogleheads NOT use credit cards??

I have credit cards but don't like them. I know deep down that credit cards companies are no fools. I pay my bills each on time as they come in. In my early twenties I goofed one time and it cost me $40. Do you know how long it took me to get that $40 back? I am guessing it was almost twenty years....
by rec7
Wed Jul 13, 2016 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Any wealthy bogleheads NOT use credit cards??
Replies: 88
Views: 4547

Re: Any wealthy bogleheads NOT use credit cards??

I have credit cards but don't like them. I know deep down that credit cards companies are no fools. I pay my bills each on time as they come in. In my early twenties I goofed one time and it cost me $40. Do you know how long it took me to get that $40 back? I am guessing it was almost twenty years. ...
by rec7
Tue Jul 12, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 41
Views: 3382

Re: Cell phone data plans

Avarage user uses 2GB to 3GB I just bought 1GB but I see how easy it would be to go over that. I don't even listen to audio or watch video's.
by rec7
Sat Jul 09, 2016 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Credit cards
Replies: 34
Views: 2956

Re: Getting rid of Credit cards

Since you like Wells keep it and the oldest card. Keep only cards that have no annual fee. Your score should be fine unless you are getting a loan soon. Your cards are so old your credit score must be great anyway. I have three and am about to close one. A while back I had a credit score of 800 with...
by rec7
Thu Jul 07, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Sentra or Corolla?
Replies: 37
Views: 2576

Re: Sentra or Corolla?

>> Corolla << my 2003 just went over 405,000 miles, only some minor repairs you would expect with 400,000 plus miles....( you can check my earlier post= "The Corolla investment" for repairs) ...I've never had "any" of the dealer recommended "scheduled maintenance " don...
by rec7
Wed Jul 06, 2016 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Fund tax question
Replies: 4
Views: 334

Re: Fund tax question

Thanks DSInvestor
by rec7
Tue Jul 05, 2016 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fund tax question
Replies: 4
Views: 334

Fund tax question

For example let's say I have 100k in Vanguard Tax-Managed Balanced Fund Admiral Shares in 2015. If I have no other income what is my income? Are any taxes due?
by rec7
Sun Jul 03, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Living off dividends/interest in retiremeht
Replies: 60
Views: 6484

Re: Living off dividends/interest in retiremeht

The wellington with dividends and capital gains it pays about 6 percent a year which is a little high. But I guess you don't have to take both.
by rec7
Fri Jul 01, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 145
Views: 8634

Re: How many of you have cut cord?

I cut the cord years ago. I don't like to watch many shows. I watch some travel shows and some classic star trek once in a while. No way would I pay for TV. What is like now is to play christian music I like it better than TV. I found out that as you grow older TV does not interest me much anymore. ...
by rec7
Tue Jun 21, 2016 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: College and beyond without a credit card?
Replies: 92
Views: 4188

Re: College and beyond without a credit card?

I am 99% on a debit card. I have my insurance put on my credit cards once a year. I am way beyond college. I do it because it is easy and I make more money that way.
by rec7
Tue Jun 21, 2016 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: College and beyond without a credit card?
Replies: 92
Views: 4188

Re: College and beyond without a credit card?

With identity theft and online shopping so prevalent, credit cards are definitely preferred. They offer much better liability protection if the card is lost or stolen and you can easily dispute transactions. If your debit card is stolen, your entire account balance can be wiped out and unrecoverabl...
by rec7
Mon Jun 20, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: When to cancel unused credit cards
Replies: 7
Views: 1075

Re: When to cancel unused credit cards

I mainly use a debit card. What I do is pay my insurance once a year using my credit cards. That way I don't have to mess with credit cards much. I have three but would like to go down to two cards. I love to keep it as simple as possible. For many years I had one credit card and loved it that way.
by rec7
Mon Jun 20, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: College and beyond without a credit card?
Replies: 92
Views: 4188

Re: College and beyond without a credit card?

I am wondering if anyone has actually navigated the educational years and the earlier working years without ever having a credit card. How was your experience? With debit cards, I think the need for credit cards has gone way, way down. The only time I wished I had a credit card but didn't..... I th...
by rec7
Sat Jun 18, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: "How to Make Your Money Last" -- A Gem
Replies: 35
Views: 5769

Re: "How to Make Your Money Last" -- A Gem

Just got finished looking at it good book. Taylor another book you might like is The Index Card: Why Personal Finance Doesn’t Have to Be Complicated
https://www.amazon.com/Index-Card-Perso ... 1591847680
by rec7
Fri Jun 17, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Neighborhood kids setting up lemonade stand on my property
Replies: 102
Views: 5876

Re: Neighborhood kids setting up lemonade stand on my property

On the plus side no one will break into your house to many people around.
by rec7
Thu Jun 16, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: Neighborhood kids setting up lemonade stand on my property
Replies: 102
Views: 5876

Re: Neighborhood kids setting up lemonade stand on my property

pennstater2005 wrote:Set up your own lemonade stand. Competition is good for everybody.


At half price like a boglehead problem soon solved. You don't have to cart supplies far thus you have a lower expense ratio.
by rec7
Mon Jun 13, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Credit card for college-aged daughter
Replies: 36
Views: 1974

Re: Credit card for college-aged daughter

I had a (kooky) friend in college who decided to see how many cards he could apply for and get within a couple days. He got up to something like 22 before they stopped issuing them. The funny part is as long as he pays the bills his credit would be great. They love people with 22 lines of credit. I...
by rec7
Sat Jun 11, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: Encyclopedia, World Book, Complete Set, 1960 Ed.
Replies: 37
Views: 2758

Re: Encyclopedia, World Book, Complete Set, 1960 Ed.

I had a 1958 set and found out it was worth very little.
by rec7
Wed Jun 08, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9260

Re: Leave garage door open?

The way I look at it is springs are cheap compared to the stuff in the garage.
by rec7
Sat Jun 04, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9260

Re: Leave garage door open?

One time I left my garage door open. I only had a few quarts of oil in the garage and some other small stuff. I came back several hours later the oil was gone no joke. That was back when oil was $1 a quart.
by rec7
Tue May 17, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 92
Views: 8584

Re: Arrgghhh !!! Windows 10 installed overnight

Resistance is Futile: You Will Be Assimilated

https://www.youtube.com/watch?v=hSCe40HMv1c
by rec7
Mon May 16, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2293

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

I thought folks would like this

http://www.pcmech.com/article/much-pc-cost-electricity/

I guess sense I am handy with computers I will go back to 5 minutes.
by rec7
Mon May 16, 2016 3:14 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2293

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

I reset it now to 1 hour that way I will save electricity and it will not have to power up as often. You can probably set separate times for computer sleep vs display sleep. Putting the display to sleep will help save power even if the desktop computer is running. This would allow your computer to ...
by rec7
Mon May 16, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2293

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

I reset it now to 1 hour that way I will save electricity and it will not have to power up as often.
by rec7
Mon May 16, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2293

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

I'd find it far more annoying that the computer goes to sleep so frequently. Sounds like lots of wasted time getting it woken up and useable. I have a laptop, no desktop. It only goes to sleep if I close it, but the display will turn off after 25 min on batter power (30 min on wall power). If I hav...
by rec7
Mon May 16, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2293

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

A question for everybody after how many minutes do you put your computer to sleep?
by rec7
Sun May 15, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2293

Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes? I wake it up about 10 times a day. I want to save electricity but not harm the desktop.
by rec7
Sat May 07, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: computer monitor question
Replies: 17
Views: 1043

Re: computer monitor question

I never heard of a monitor 'hurting your eyes" before. Maybe if it is too bright like the sun? I cannot imagine it would be too dim, but that would train your eyes to see better at night maybe. Back in the CRT era, some people were sensitive to the flicker that lower refresh rates would cause....
by rec7
Sat May 07, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: computer monitor question
Replies: 17
Views: 1043

Re: computer monitor question

Toons wrote:I say get a Monitor. :mrgreen: :mrgreen:
You will get "lost" in this monitor.
http://www.samsung.com/us/computer/moni ... E510CSY/ZA


Looks nice but it cost more than my computer. LOL
Thanks everybody
by rec7
Sat May 07, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: computer monitor question
Replies: 17
Views: 1043

Re: computer monitor question

1440 x 900 at 60 Hz Will 60Hz hurt my eyes? I know 60Hz hurt my eyes on my old CRT monitor.
by rec7
Sat May 07, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: computer monitor question
Replies: 17
Views: 1043

Re: computer monitor question

It is a Dell E198WFP (Analog)
by rec7
Sat May 07, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: computer monitor question
Replies: 17
Views: 1043

Re: computer monitor question

It seems a little blurry on 1280 x 1024 It is a 19 inch widescreen. I thought I would ask other with an older monitor what they did.

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