Search found 1997 matches

by rec7
Wed Jun 21, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 63
Views: 3727

Re: What is your car's average cost ownership?

We have a 2010 Honda Fit and only put about 8k miles per year on it. I track all expenses including when I put a quarter in the meter. I don't see how anyone pays less than 2k per year if you count insurance, gas, maintenance, car washes/cleaning products and parking. I suppose if you do all your o...
by rec7
Wed Jun 21, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 63
Views: 3727

Re: What is your car's average cost ownership?

Bought a 1995 ford in 2000 for $4700 put $2000 into it. So it comes to $394 a year. The gas, insurance and taxes come to $1500 a year. Total cost is $1864 a year.
by rec7
Wed Jun 21, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 62
Views: 5286

Re: Co-workers advising to buy house RIGHT NOW

Their is some truth to what they say. Houses prices are going up. The supply is to low. They might go up for awhile longer. The question is how long can it go on.
by rec7
Thu Jun 15, 2017 8:53 pm
Forum: Forum Issues and Administration
Topic: How do you get this Bogleheads page to go all the way across the screen
Replies: 11
Views: 921

Re: How do you get this Bogleheads page to go all the way across the screen

whaleknives wrote:Browser zoom or <ctrl +> until you're happy. I'm at 125% on a 14" laptop, and the Chrome browser returns to that setting from the 100% default when I return to Bogleheads.org!


125 makes me a happy camper to on a 21 inch.
by rec7
Thu Jun 15, 2017 3:23 pm
Forum: Forum Issues and Administration
Topic: How do you get this Bogleheads page to go all the way across the screen
Replies: 11
Views: 921

How do you get this Bogleheads page to go all the way across the screen

Right now it only goes a little more than half way. https://www.bogleheads.org/ I am using a 21.5 inch screen. I just got a new screen.
by rec7
Sat Jun 10, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Looking for a pan 14x20 inches maybe an inch deep at a low cost
Replies: 14
Views: 1017

Re: Looking for a pan 14x20 inches maybe an inch deep at a low cost

dratkinson wrote:Did your oven come with a broiler pan?


I am guessing our oven is 40 years old. I don't remember.
by rec7
Sat Jun 10, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Looking for a pan 14x20 inches maybe an inch deep at a low cost
Replies: 14
Views: 1017

Re: Looking for a pan 14x20 inches maybe an inch deep at a low cost

This is a smart crowd. I have got many great ideas here in investing and other subjects to.
by rec7
Fri Jun 09, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Looking for a pan 14x20 inches maybe an inch deep at a low cost
Replies: 14
Views: 1017

Re: Looking for a pan 14x20 inches maybe an inch deep at a low cost

Thanks everybody you gave me some great ideas.
by rec7
Fri Jun 09, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Looking for a pan 14x20 inches maybe an inch deep at a low cost
Replies: 14
Views: 1017

Looking for a pan 14x20 inches maybe an inch deep at a low cost

Can be plastic or metal. I just want to catch a little water in it. Thanks in advance.
by rec7
Thu Jun 08, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Auto engines
Replies: 20
Views: 1392

Re: Auto engines

It is meant to compete against the corolla. In the old days it would be called a grocery getter. A corolla has a 1.8 engine.
by rec7
Wed Jun 07, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Have GEICO auto, asked for quote online, $150 less
Replies: 30
Views: 3588

Re: Have GEICO auto, asked for quote online, $150 less

Geico 650 a year for 2015 Honda Crv 2014 Sprinter RV No complaints :happy Man that is cheap. I pay $400 a year for liability here in MO on one car. Whoops :oops: I just re read my post.... It is 650 bi annual....total 1300. Senior Moment :oops: :mrgreen: That more like it. LOL But still not a bad d...
by rec7
Wed Jun 07, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Have GEICO auto, asked for quote online, $150 less
Replies: 30
Views: 3588

Re: Have GEICO auto, asked for quote online, $150 less

Toons wrote:Geico
650 a year for
2015 Honda Crv
2014 Sprinter RV
No complaints :happy


Man that is cheap. I pay $400 a year for liability here in MO on one car.
by rec7
Sat Jun 03, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance - Way higher rate than our friends??? Advice
Replies: 19
Views: 1208

Re: Auto Insurance - Way higher rate than our friends??? Advice

Hi everyone, I was hoping someone could give me some automobile insurance advice. I was out to dinner with my wife and our closest friends (also husband and wife). They just got a new automobile policy with GEICO (which I saw with my own eyes so they were not lying about their price) and they are p...
by rec7
Fri Jun 02, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: I spend 6.1% of my Gross income on rent
Replies: 80
Views: 10274

Re: I spend 6.1% of my Gross income on rent

We own12% on below average household income covers taxes, insurance and utilities.
by rec7
Fri Jun 02, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is Flagship membership status worth a $50 [transaction] fee?
Replies: 40
Views: 5190

Re: Is Flagship membership status worth a $50 one time fee?

First of all, please forgive me for my three threads in 2 days. I know that too many threads in a short time is wearisome. Anyways, I have been offered Flagship membership status at Vanguard for a one time fee of $50. I am wondering if Bogleheads feel that the benefits of Flagship status would be w...
by rec7
Mon May 29, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 10756

Re: Updates on the status of Linux

I like windows better but for the price you can't beat Linux. I have it on my old back up computer. Rather than throw a computer away. Linux can keep it alive for many years. Right now mine is good until 2021. I don't see why I could not use it another 10 years with no problems. A windows computer's...
by rec7
Mon May 29, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5341

Re: Credit unions are non-profit, how come they do not dominate over banks???

Credit unions take a little bit of work. You hunt them they don't hunt you as much as the big banks. I think a lot of people are lazy. Once they have an account at the big bank they are to lazy to switch. I remember a friend thinking it was a lot of work switching to a credit union. LOL
by rec7
Mon May 29, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5341

Re: Credit unions are non-profit, how come they do not dominate over banks???

I think a lot of people like to have their money in a big bank it feels safer. I remember as a teenager I opened an account at a very small bank because of the good rates. My relatives were talking about banks one day. They were all shocked I had my money in a small bank. They were all at the big ba...
by rec7
Mon May 22, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Keeping credit score up
Replies: 21
Views: 1926

Re: Keeping credit score up

MrNewEngland wrote:The way I understand it is that everyone over 780 is in the same boat.


I thought it was 760?
by rec7
Fri May 12, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are bank test deposits taxable?
Replies: 22
Views: 2385

Re: Are bank test deposits taxable?

radnor wrote:Earlier this year, I linked a second bank account with my main account, and my main bank made (but did not ever withdraw) two test deposits totaling $0.22. Will I need to report this on my 2017 taxes?


They take it back so I would say no.
by rec7
Fri May 12, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3246

Re: Price for brakes and rotors?

I just got brakes and rotors for one axle. It cost $150 and took them about an hour.
by rec7
Fri May 12, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: What are the benefits of turning-off dividend reinvestment (and capital gains too)?
Replies: 15
Views: 1942

Re: What are the benefits of turning-off dividend reinvestment (and capital gains too)?

Jags4186 wrote:Keeps tax lots simplified.
Allow you to reinvest the dividends into other funds in your portfolio.


With the computers at Vanguard they keep track of everything makes it so easy. In the past it was a tax pain but with Vanguard now they are great. No trouble to reinvest on taxes.
by rec7
Mon May 08, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Will and Estranged Child advice
Replies: 44
Views: 4015

Re: Will and Estranged Child advice

I would still go 50/50 maybe put it in a trust until she comes around.
by rec7
Sun May 07, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7499

Re: How do Bogleheads buy cars?

We avoid sedans as their styling tends to age more quickly than, say, an SUV. My wife is looking to replace her car. I commented on one of the models she is considering - "the grill looks a little weird, don't you think?" Reply: "What do I care? I'm going to be on the inside." I...
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: 56
Views: 4052

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: 961

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: 699

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: 847

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: 2180

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: 2180

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: 12771

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: 27
Views: 5655

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: 772

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: 165
Views: 11621

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: 165
Views: 11621

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: 6038

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: 3490

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: 4282

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: 3790

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: 670

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: 670

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: 2224

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: 2224

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: 5329

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: 3639

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: 5329

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...

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