Search found 2088 matches

by rec7
Wed Aug 16, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped 100 points overnight
Replies: 18
Views: 1111

Re: Credit score dropped 100 points overnight

I only drop about 7 points when I open a new card.
by rec7
Wed Aug 16, 2017 6:57 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 103
Views: 13959

Re: Revealing Usernames

I could use my real name. I think there are 8 people with my name in my hometown. I am guessing hundreds around the county. My first and last name are both common.
by rec7
Tue Aug 15, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 71
Views: 4520

Re: please help...am I overextended - first home

I would try to get that number down $400 a month.
by rec7
Mon Aug 14, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1138

Re: Need advice on car power window switch work

Ended up swapping the wires. It works like a charm. It is a little tight working on it because car wiring does not have much slack in it. I ended up adding about 4 inches of wire to two of them to make it easier. Prayed about it and it went well. Used a multi meter to find the hot and ground wires. ...
by rec7
Sat Aug 12, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1138

Re: Need advice on car power window switch work

Thanks everybody.
by rec7
Sat Aug 12, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1138

Re: Need advice on car power window switch work

pics some of the pics are not the best
http://i.imgur.com/rpOwDc4.jpg

http://i.imgur.com/zzMixrB.jpg

http://i.imgur.com/y9xADPf.jpg

http://i.imgur.com/PiieKqT.jpg

The black and the brown wires in the middle seem to be thicker than the others.
by rec7
Sat Aug 12, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1138

Re: Need advice on car power window switch work

cestan wrote:
Sat Aug 12, 2017 1:47 pm
Ugh. Sorry. Switchdoctor.net
Good site but don't see a chevrolet corsica
by rec7
Sat Aug 12, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1138

Re: Need advice on car power window switch work

Having trouble over at tinypic so unable to do pics. But I wanted to thank everyone.
by rec7
Sat Aug 12, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1138

Re: Need advice on car power window switch work

Downstream you could swap the wires. That is what I was thinking. I would think it would be as easy and simple as unplugging the two wire harnesses from the different windows from the switch and plugging them back into their different slots.* Did you open up the console and look at the switch box? ...
by rec7
Sat Aug 12, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1138

Re: Need advice on car power window switch work

swap one from back to front. guessing its the same part, could be wrong. Look on Ebay for legacy parts. +1 you don't give the model, but eBay has come thru for me in the past, looking for parts for my 1965 airplane. For example, eBay listings for some 1996 Chevys: http://www.ebay.com/itm/NEW-1996-2...
by rec7
Sat Aug 12, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1138

Re: Need advice on car power window switch work

I have a 1996 car with the power window switch not working on the drivers window. This is a console switch with four switches in the same box. Can I rewire it so a back window switch will work the front window. I would be willing to give up one of the back windows. Chevrolet stopped making the swit...
by rec7
Sat Aug 12, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1138

Re: Need advice on car power window switch work

F150HD wrote:
Sat Aug 12, 2017 11:21 am
swap one from back to front. guessing its the same part, could be wrong.

Look on Ebay for legacy parts.
All four switches are on the same part. Looked on ebay no luck.
by rec7
Sat Aug 12, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1138

Need advice on car power window switch work

I have a 1996 car with the power window switch not working on the drivers window. This is a console switch with four switches in the same box. There are no window switches on the doors. Can I rewire it so a back window switch will work the front window. I would be willing to give up one of the back ...
by rec7
Fri Aug 11, 2017 7:22 am
Forum: Personal Finance (Not Investing)
Topic: What percent credit utilization is best?
Replies: 15
Views: 1487

Re: What percent credit utilization is best?

I think anything under 10% I have an 808 score but I stay under 10% I just closed my oldest card and only lost 6 points. I have a pet peeve about having unused open cards around.
by rec7
Tue Aug 08, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 12
Views: 1055

Re: Alliant Credit Union Signature VISA

...That is standard at most credit unions and banks if you are retired. It is not standard practice at banks. Applied for and obtained the Chase Sapphire Reserve card in February of this year (retired in early 2016) and was approved without issue. DW applied for and obtained Chase United Explorer c...
by rec7
Tue Aug 08, 2017 4:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is the Munchkin MAN still alive?
Replies: 15
Views: 4263

Re: Is the Munchkin MAN still alive?

Oh Man ! after reading some of the responses, i'm back when Munchin responded daily on his activities with his penny stocks and especially the blow by blow account with his girlfriend. Is there a way that i can re-cap those memories and conversations on this forum and others ??? I would appreciate ...
by rec7
Tue Aug 08, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4088

Re: Deja Vu.. are there too many houses for sale?

Supply tight here in St Louis. They seem to be selling fast.
by rec7
Tue Aug 08, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 12
Views: 1055

Re: Alliant Credit Union Signature VISA

Applied for the Alliant Signature VISA card yesterday. Received a call today that they wanted complete copies of my tax returns for the last two years to verify my income. I told them that I retired in 2016 and therefore have not even filed a full year tax return yet that reflects me as a retired p...
by rec7
Sat Aug 05, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why no federal income tax obligation?
Replies: 31
Views: 2721

Re: Why no federal income tax obligation?

We are both in our 70's. Because of large medical expenses, our taxable income (after itemized deductions) is small but it IS positive on Form 1040 line 43. We have no special credits on 1040 lines 48 through 54. So how can we have a positive taxable income but no lax liability? We use Turbo Tax, a...
by rec7
Thu Aug 03, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Losing confidence in Ally Bank - what would you do
Replies: 58
Views: 6564

Re: Losing confidence in Ally Bank - what would you do

I know you were right but next time leave a dollar or two in there. That is what I do. I have got into trouble getting the last cent out of several places. What kind of "trouble" have you got into in the past? I would be a bit concerned about having to deal with random paperwork (mandator...
by rec7
Thu Aug 03, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Losing confidence in Ally Bank - what would you do
Replies: 58
Views: 6564

Re: Losing confidence in Ally Bank - what would you do

I know you were right but next time leave a dollar or two in there. That is what I do. I have got into trouble getting the last cent out of several places.
by rec7
Mon Jul 31, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 2544

Re: Filling bookshelves cheaply

Buy used Bogleheads books to give to students. That would solve two problems.
by rec7
Mon Jul 31, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Colorado Vehicle Registration fees
Replies: 20
Views: 1539

Re: Colorado Vehicle Registration fees

Hello all, I recently relocated to Denver 4 weeks ago and yesterday my wife and I went to the DMV to register our cars in Colorado. I am astounded by how steep the price was. For the 2014 Mazda CX5, we paid 260 dollars for one year For the 2017 Subaru Crosstrek, we paid 526 dollars I am researching...
by rec7
Thu Jul 27, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Help with negotiating neighbor/yard drainage costs
Replies: 24
Views: 1548

Re: Help with negotiating neighbor/yard drainage costs

Look at a french drain. They are cheap. I just did one for about $100 I did it by hand but to hire some just to dig the trench I am guessing would be $300 After the trench is dug you can do the rest yourself.
by rec7
Fri Jul 21, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 8269

Re: Anyone else extremely frugal?

I am really frugal. I kept a pair of tennis shoe 22 years. That was kind of crazy but they were so comfortable. My car is the oldest car at the stop light by far. I am talking all four directions. I love the line in the Bible about being content. Once you get middle age you start to see things don't...
by rec7
Fri Jul 21, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: 6K credit line too low.
Replies: 22
Views: 2255

Re: 6K credit line too low.

You need a minimum of three cards in order to get the best FICO score, so just keep them all. Ask the existing ones you are considering closing if there is a no hard pull credit line increase available. It has also been mentioned above that it is a terrible idea to have all your eggs in one basket,...
by rec7
Fri Jul 21, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 96
Views: 9211

Re: Is it still worth buying a house in a state with insane property taxes

I know many people in Chicago. Some pay 15k in property taxes a year it is crazy up there. Most of the people I know live very nice up there. Here in Missouri houses and taxes are much cheaper but the people do not live as well as the Chicago folks. That is just what I see around me.
by rec7
Fri Jul 21, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Which cost basis is best average cost or FIFO
Replies: 17
Views: 1403

Re: Which cost basis is best average cost or FIFO

Thank You it looks like average cost would lower my taxes some. The short term gain were shares bought a higher price.
by rec7
Fri Jul 21, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Which cost basis is best average cost or FIFO
Replies: 17
Views: 1403

Re: Which cost basis is best average cost or FIFO

If I pick average cost will they sell some of the my short term gain in the wellington along with some long term gains when I sell?
by rec7
Thu Jul 20, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Which cost basis is best average cost or FIFO
Replies: 17
Views: 1403

Which cost basis is best average cost or FIFO

Half of my gain is long term and half short term in the wellington. Which cost basis is best average cost or FIFO for taxes in this case? If I pick average cost will they sell some of the my short term gain in the wellington?
by rec7
Thu Jul 20, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: 6K credit line too low.
Replies: 22
Views: 2255

Re: 6K credit line too low.

You need a minimum of three cards in order to get the best FICO score, so just keep them all. Ask the existing ones you are considering closing if there is a no hard pull credit line increase available. It has also been mentioned above that it is a terrible idea to have all your eggs in one basket,...
by rec7
Wed Jul 19, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Student/Secured Credit Card
Replies: 4
Views: 272

Re: Student/Secured Credit Card

My guess is that you will have to go with a secured card for an 18 year old.
by rec7
Tue Jul 18, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Inc magazine
Replies: 6
Views: 559

Re: Inc magazine

Every once in a while I get this magazine for free in the mail. It just shows up I don't order it. I think I tried it a long time ago. It has happened several times now.
by rec7
Mon Jul 17, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 2369

Re: 18 year old first credit card recommendations

She might find it difficult being in college as the made it harder to get student cc until age 21 to get the college credit card. You could make her an authorized user on one of your cards. Her best bet might be a local credit union with a fresh start program. There is no need to make monthly purch...
by rec7
Sun Jul 16, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: I have a car and home on the same insurance policy if I drop the house how much will the car insurance go up?
Replies: 7
Views: 500

Re: I have a car and home on the same insurance policy if I drop the house how much will the car insurance go up?

DSInvestor wrote:My GEICO auto policy shows something called multiline discount which I believe is the discount for having other policies with GEICO. Perhaps your auto policy shows something similar.


I get the multiline discount but they do not show the $ amount.
by rec7
Sat Jul 15, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4624

Re: Rent in safer neighborhood or buy in less safe one?

We are a family of four with 2 kids a couple years away from school. We'll be using either private or home schooling, so school district is not a concern when considering where to live. We are in the 15% tax bracket and deciding whether we'll continue to rent for the foreseeable future in a nice su...
by rec7
Sat Jul 15, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6449

Re: anyone retire and move to a planned community in FL?

I went to FL in April and hated the weather and I am from Missouri LOL
by rec7
Sat Jul 15, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Is $1220/year Auto Insurance for 26y/o cheap?
Replies: 14
Views: 1775

Re: Is $1220/year Auto Insurance for 26y/o cheap?

Is $1220/year Auto Insurance for 26y/o cheap for the given car? In California? In Texas? Car: 2017 Honda Civic EX (bought new) I have Statefarm. I am planning to move to Texas. I am wondering if my rates will stay the same or change when I move to Texas? Others might not need full coverage but you ...
by rec7
Fri Jul 14, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Electronics question [broken monitor]
Replies: 27
Views: 1686

Re: Electronics question [broken monitor]

wrongfunds wrote:how much for shipping those $4 capacitors?


$4 shipping included Thanks to ebay
by rec7
Thu Jul 13, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Electronics question [broken monitor]
Replies: 27
Views: 1686

Re: Electronics question [broken monitor]

Update. Fixed it for $4 my first electronics work. Did not get shocked. Works great. Did wear wear electrician gloves, safety glasses and did everything you guys said. Thanks everybody and a special Thanks to oldcomputerguy What class, and how much did those electrician gloves run you ? Last time I...
by rec7
Thu Jul 13, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Electronics question [broken monitor]
Replies: 27
Views: 1686

Re: Electronics question [broken monitor]

Update. Fixed it for $4 my first electronics work. Did not get shocked. Works great. Did wear wear electrician gloves, safety glasses and did everything you guys said. Thanks everybody and a special Thanks to oldcomputerguy
by rec7
Wed Jul 12, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Where to open checking account?
Replies: 9
Views: 834

Re: Where to open checking account?

Check on line only banks and local credit unions. Maybe not a sign up deal but the best deal in the long run.
https://www.yelp.com/search?cflt=banks& ... isco%2C+CA
by rec7
Wed Jul 12, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: I am selling my wellington buying Total stock market and Total bond. Is this the best bond fund for a taxable account?
Replies: 34
Views: 3301

Re: I am selling my wellington buying Total stock market and Total bond. Is this the best bond fund for a taxable accoun

I personally like the Wellington fund. I am going to be switching from Vanguard TR2055 to Wellington after my yearly dividend payout in September. It has the track record the history and held its own in the 2000's compared to other funds. I want boring and consistent. Nothing is guarenteed but deat...
by rec7
Wed Jul 12, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: I am selling my wellington buying Total stock market and Total bond. Is this the best bond fund for a taxable account?
Replies: 34
Views: 3301

Re: I am selling my wellington buying Total stock market and Total bond. Is this the best bond fund for a taxable accoun

They are starting to raise rates. But i guess if the pace is slow the intermediate bond fund would still be head of the short term bond fund. Now if the pace picks up that would be another story. In 1994 they rose rates 3% in one year. That would hurt an intermediate bond fund. But you would be gai...
by rec7
Wed Jul 12, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: I am selling my wellington buying Total stock market and Total bond. Is this the best bond fund for a taxable account?
Replies: 34
Views: 3301

Re: I am selling my wellington buying Total stock market and Total bond. Is this the best bond fund for a taxable accoun

I am also thinking about using the Vanguard Short-Term Bond Index Fund Admiral for the bond fund. Since rates are on the rise do you think this is a good move? How long before you start to withdraw from your bond fund? If it is more than 10 years, you can safely use an Intermediate bond fund. Don't...
by rec7
Tue Jul 11, 2017 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: I am selling my wellington buying Total stock market and Total bond. Is this the best bond fund for a taxable account?
Replies: 34
Views: 3301

Re: I am selling my wellington buying Total stock market and Total bond. Is this the best bond fund for a taxable accoun

Have you held this fund for long? Do you have capital gains to worry about? In general, a bird in hand is worth two in the bush... if it was me I would not sell Wellington to go to an Index approach. Over the long term, Wellington will serve you well..taxes are the tail of the investment dog - don'...
by rec7
Tue Jul 11, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: I am selling my wellington buying Total stock market and Total bond. Is this the best bond fund for a taxable account?
Replies: 34
Views: 3301

Re: I am selling my wellington buying Total stock market and Total bond. Is this the best bond fund for a taxable accoun

Explorer wrote:What is the reason for selling Wellington? It is a FINE fund...


To cut taxes. It gives me more room in the 15% tax bracket if I get a job or need to sell a larger amount of my investments.