Search found 1970 matches

by rec7
Thu Apr 27, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 44
Views: 2770

Re: When does it make sense to stop paying to repair your old vehicle?

Sell it when repairs equal 100% of worth. I would do no cosmetic repairs to it.
by rec7
Sat Apr 22, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Torn on whether to close 3rd oldest credit card
Replies: 12
Views: 861

Re: Torn on whether to close 3rd oldest credit card

I close all my unused cards. My score is over 800 so I can stand the drop in score.
by rec7
Fri Apr 21, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Closing unused credit cards
Replies: 6
Views: 618

Re: Closing unused credit cards

I cancel my unused cards all the time. My credit score is over 800 so I can stand the drop in score. If you have no debt and your score is higher than 780 I would guess you would be alright. You could start by closing one or two then see what you score does.
by rec7
Wed Apr 19, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Credit score and closing old cards
Replies: 9
Views: 753

Re: Credit score and closing old cards

If it were me I would wait until you get the house. Then close all the cards you want just keep two lines of credit open. I just closed a credit card, opened a line of credit and had a hard pull. My score only dropped 8 points.
by rec7
Wed Apr 19, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 2030

Re: Closing my oldest credit card

birdy wrote:What I personally have done with my credit cards is: cut up the ones I won't use any more. Account stays open. Have never had a problem with this!
birdy


I think after one or two years they will close the account. But not a bad idea. My score is high so I just go ahead and take the hit.
by rec7
Mon Apr 17, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 2030

Re: Closing my oldest credit card

I just closed a credit card, opened a line of credit and had a hard pull on my report. My score dropped 8 points. Then I closed my oldest card I am guessing that will be a 12 point drop. Then I am done for a long time God willing. I am not crazy about credit cards. My score is over 800 so I think my...
by rec7
Tue Apr 11, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 12188

Re: You can never go "home" - retirement

I did not leave my hometown. But the funny thing is I have only ran into 5 people from my past in 35 years. I have found out that even if you don't move the area still changes. It reminds me of a lady that I know who moved away from a big city. 30 years later she went back to the city and told peopl...
by rec7
Thu Apr 06, 2017 7:53 am
Forum: Investing - Theory, News & General
Topic: "the Truth About Your Future" - Ric Edelman's new book
Replies: 23
Views: 4040

Re: "the Truth About Your Future" - Ric Edelman's new book

I am enjoying the book and the radio show. I am a Boglehead but he makes some great points. I started out with Bob Brinker but like Ric Edelman better.
by rec7
Thu Apr 06, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Unused credit card with positive balance
Replies: 9
Views: 695

Re: Unused credit card with positive balance

My credit union put it into my savings after several months. Will not hurt and it is some activity.
by rec7
Thu Mar 30, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 154
Views: 9181

Re: When do you plan to die?

No male in my family has lived past 77 so I don't have to plan as much as others. My condolences to you and your family. I look at it as normal. The Bible says the live of a man is threescore and ten which is 70. The Bible says a strong man lives four score which is 80. The Bible says you will have...
by rec7
Wed Mar 29, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 154
Views: 9181

Re: When do you plan to die?

No male in my family has lived past 77 so I don't have to plan as much as others.
by rec7
Thu Mar 23, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5496

Re: Vehicles as a percentage of net worth

1 car .2% of net worth
by rec7
Tue Feb 28, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 3304

Re: Do you clear your inbox?

No I have every email since 2005 in my inbox at gmail. The storage is only 9% used. So I am in good shape. I used to have an email service with a 25MB limit. That forced me to clear my inbox.
by rec7
Mon Feb 20, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 42
Views: 4085

Re: Car windshield wipers - go cheap or better?

I got some nice one around 15-20 at sams. I love them that was several years ago. They still work good. I think they are worth the extra money.
by rec7
Mon Feb 20, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 44
Views: 3611

Re: Utility Bills - How do ours compare?

We just finished our first year in a house after many years in smaller apartments. Curious to see how our average utility bills compare to others. Our HVAC system is 22 years old, but I didn't think our electric or gas bills were out of line, and not so sure the cost/benefit of replacement makes se...
by rec7
Sun Feb 12, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Brothers's auto liability levels?
Replies: 5
Views: 632

Re: Brothers's auto liability levels?

How risky do you think what he is doing is? He said most wrecks are way under those amounts.
by rec7
Sat Feb 11, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Brothers's auto liability levels?
Replies: 5
Views: 632

Brothers's auto liability levels?

My brother is worth 1 million. He is driving around with 500k/500k/50k insurance is he crazy? Does that mean that one person could sue him for 500k then he would be bear for other people that were in the wreck?
by rec7
Sat Feb 11, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 44
Views: 2081

Re: iPhone SE 16GB - is memory adequate?

rec7 wrote:I have 8GB on my phone but only plan on using banking apps and talking. Will I be alright?


Bumping question
by rec7
Sat Feb 11, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 44
Views: 2081

Re: iPhone SE 16GB - is memory adequate?

I have 8GB on my phone but only plan on using banking apps and talking. Will I be alright?
by rec7
Sat Feb 11, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 4891

Re: Keep a Local Bank?

I do all of my banking online, but my mortgage has always been held by a bank with local branches (Wells Fargo, US Bank, TD Bank), and I have always received some sort of discount for opening a checking account with that bank, so we do have that if I need a physical branch at some point. That did c...
by rec7
Fri Feb 10, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 2843

Re: Worth it to get 300 Mbps internet?

I do what you want to do on 5 Mbps. It loads for about 10 seconds then does ok.
by rec7
Sun Feb 05, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 4891

Re: Keep a Local Bank?

My wife won't go within 10 feet of a computer, a smartphone, or an ATM, so in case I drop dead (more and more likely) I can't see any alternative to a local B&M bank. Luckily we have about eight of them in easy walking distance. Plus they still redeem US Savings Bonds. I don't use ATM's that is...
by rec7
Sun Feb 05, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: How is a pure 100% taxable account income treated in retirement?
Replies: 24
Views: 2677

Re: How is a pure 100% taxable account income treated in retirement?

Just remember no tax on LTCG under 50k income(not only a job) but don't forget about state taxes.
by rec7
Fri Feb 03, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 24
Views: 3351

Re: Senior Lifetime National Parks Pass Fee Going Up

Does the card holder have to be the driver or can the card holder be the passenger?
by rec7
Thu Feb 02, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Contesting a will or trust
Replies: 31
Views: 1625

Re: Contesting a will or trust

We have no children. We have 6 assorted nieces and nephews (now all adults). 5 of them essentially do not care to have any sort of relationship with us. From those 5: No response to birthday gifts (other than two who occasionally bitched about them to their parents who passed on message to us), so ...
by rec7
Thu Feb 02, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Contesting a will or trust
Replies: 31
Views: 1625

Re: Contesting a will or trust

Thanks everybody.
by rec7
Thu Feb 02, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Contesting a will or trust
Replies: 31
Views: 1625

Re: Contesting a will or trust

I don't understand the OP's thread. OP are you getting the 2K and want to contest the trust? Are you setting up a trust to give unequal amounts to others? I am the brother. My brother was always crazy about the nieces and nephews kind of like the rest of the family was not alive at all. So the larg...
by rec7
Thu Feb 02, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Contesting a will or trust
Replies: 31
Views: 1625

Re: Contesting a will or trust

FelixTheCat wrote:I don't understand the OP's thread. OP are you getting the 2K and want to contest the trust? Are you setting up a trust to give unequal amounts to others?


I am the brother. My brother was always crazy about the nieces and nephews kind of like the rest of the family was not alive at all.
by rec7
Thu Feb 02, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Contesting a will or trust
Replies: 31
Views: 1625

Re: Contesting a will or trust

The party getting the 600k is a nephew and one of the other is a brother of the deceased does that make a difference?
by rec7
Thu Feb 02, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Contesting a will or trust
Replies: 31
Views: 1625

Contesting a will or trust

If one party in the will or trust received 600k and the other parties in the will or trust received 2k each can they contest it? Would they have a case?
by rec7
Fri Jan 27, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrades new game
Replies: 25
Views: 3697

Re: Scottrades new game

One boglehead had Vanguard and one credit union that's it. Maybe someday I can get to that point sounds great.
by rec7
Fri Jan 27, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Pay Your Monthly Bills?
Replies: 42
Views: 3770

Re: How Do You Pay Your Monthly Bills?

I write 3 checks a year. I use bill pay to pay utilities. I put everything else on one credit card to make my life simple.
by rec7
Fri Jan 27, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Applying for credit card with credit freeze
Replies: 10
Views: 523

Re: Applying for credit card with credit freeze

7thSunday wrote:Thanks for the replies.

Urgh! Don't want to wait.

Think I will just temporarliy unfreeze all three to move this along quickly.

Major purchase in my sights to immediately qualify for the sign-up bonus.


That's what I did more expensive but much faster.
by rec7
Thu Jan 19, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Recommendations for radio stations
Replies: 16
Views: 1731

Re: Recommendations for radio stations

Hear is what I listen to. Not a radio station but it will play about 50 great songs.
https://www.youtube.com/watch?v=EPRFqGNuMfY
by rec7
Tue Jan 17, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 2715

Re: Upgrade or just buy new? [Computer]

Holy cow! All these recommendations for Linux and stuff for a guy that doesn't know much about computers is crazy IMO. I'm well versed in building my own desktops and I personally do not recommend Linux. It is stable and secure and uses less resources than Windows, but it has a major learning curve...
by rec7
Mon Jan 16, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 2715

Re: Upgrade or just buy new? [Computer]

I would try to put linux mint on it. It should work good. I just put windows 10 on a 2007 computer and it works ok. I had linux mint on it but liked windows 10 better so I put that on it.
by rec7
Mon Jan 16, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance Premium too High?
Replies: 24
Views: 2092

Re: Auto insurance Premium too High?

Sounds very high but you are in a big city. Here in St Louis your rate can double depending where you live around the city. That happened to a friend of mine he got some cheap rent only to find out his car insurance doubled.
by rec7
Sat Jan 14, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 9381

Re: Fidelity Rewards Visa 2% cash back

I do not have an account at Fidelity. Can I open a new account for a few bucks and not get hit with any fees on the Fidelity account to get this card?
by rec7
Fri Jan 06, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Do I need to replace my desktop PC?
Replies: 27
Views: 2344

Re: Do I need to replace my desktop PC?

I use my desktop PC almost exclusively for preparing tax returns every year. Most of the rest of the year I carry around a laptop. The desktop is certainly older than my laptop, probably purchased in 2009, a Dell Studio 540. It's running Windows 7 Home Premium 64 bit, with 6 GB of memory. It's got ...
by rec7
Fri Jan 06, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: How much cash do you keep?
Replies: 103
Views: 9761

Re: Retirees: How much cash do you keep?

Your income matters. If I had a large pension maybe I would need very little cash. No pension then a large amount would be needed. Same with large and small social security amounts it would effect the amount of cash needed. In fact if I had some of the pensions here on Bogleheads I would not need to...
by rec7
Fri Jan 06, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: How much cash do you keep?
Replies: 103
Views: 9761

Re: Retirees: How much cash do you keep?

We have about 4 years. I figure even a balanced fund might be down 3 years in a crash until it breaks even.
by rec7
Wed Jan 04, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 14882

Re: How old is your vehicle?

Lovely Rita wrote:Less than 3 years. What is the point of this thread?


The millionaire next door in action.
by rec7
Sun Jan 01, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on which balanced fund to invest in Wellington, Balanced Index Fund or Equity Income in the 15% tax bracket
Replies: 11
Views: 791

Re: Need advice on which balanced fund to invest in Wellington, Balanced Index Fund or Equity Income in the 15% tax brac

nisiprius you are very wise I have looked at many of your ideas already. I like the Wellington's performance in up and down years more than the others you listed. Of course past return does not mean anything for the future but it makes me sleep better. Can the Wellington outperform the other ideas w...
by rec7
Sun Jan 01, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on which balanced fund to invest in Wellington, Balanced Index Fund or Equity Income in the 15% tax bracket
Replies: 11
Views: 791

Re: Need advice on which balanced fund to invest in Wellington, Balanced Index Fund or Equity Income in the 15% tax brac

Important : The Vanguard Equity-Income Fund, VEIPX or VEIRX (Admiral shares) is not a balanced fund . It is 100% stocks. It focusses on dividend paying stocks, but it is 100% stocks and acts like it. "Equity-Income," which they actually spell with a hyphen, doesn't mean "a fund holdi...
by rec7
Sun Jan 01, 2017 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on which balanced fund to invest in Wellington, Balanced Index Fund or Equity Income in the 15% tax bracket
Replies: 11
Views: 791

Need advice on which balanced fund to invest in Wellington, Balanced Index Fund or Equity Income in the 15% tax bracket

Need advice on which balanced fund to invest in the Wellington, Balanced Index Fund or Equity Income mixed with Ally savings account This is all in a taxable account. I am retired in the 15% tax bracket the fund will be my only income. I can live on the dividends and capital gains of all three ideas...

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