Search found 1957 matches

by rec7
Tue Feb 28, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 45
Views: 2329

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: 40
Views: 3554

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: 37
Views: 2652

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: 575

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: 575

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: 1854

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: 1854

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: 4505

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: 2470

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: 4505

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: 2546

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: 3203

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: 1492

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: 1492

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: 1492

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: 1492

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: 1492

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: 1492

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: 3641

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: 3616

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: 465

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: 1633

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: 2624

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: 2624

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: 1973

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: 8614

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: 2280

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: 9307

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: 9307

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: 13893

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: 716

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: 716

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: 716

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...
by rec7
Sat Dec 31, 2016 8:42 am
Forum: Investing - Help with Personal Investments
Topic: How often do the vanguard balanced funds rebalance?
Replies: 4
Views: 773

How often do the vanguard balanced funds rebalance?

I thought about doing and index and a ally saving account. But how often would you rebalance? How often do the vanguard balanced funds rebalance?Right now I am in a vanguard balanced fund because it is easy but it is more taxes. I am in the 15% bracket so it is not to bad.
by rec7
Fri Dec 30, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is it safe to use debit cards? Anybody here have one compromised?
Replies: 67
Views: 4930

Is it safe to use debit cards? Anybody here have one compromised?

Would love to hear what others have to say about this. I have heard it is a nightmare if one is compromised. This is my only checking account.
by rec7
Fri Dec 30, 2016 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Are balanced index funds tax efficient?
Replies: 9
Views: 1107

Re: Are balanced index funds tax efficient?

I hold lifestrategy cg in taxable. I am retired and don't contribute any more. Since I am in15% tax bracket it's not too bad and the simplicity is worth it to me and the wife. I use them to but I am in the 15% tax bracket also. This move is costing me 2k a year more but I think I can make it up wit...
by rec7
Mon Dec 26, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 11140

Re: At what age, income, and NW would you buy a $50k car?

I have an '07 Camry that's a V6 -- 268 hp. Are you saying that's a Lexus engine? Toyota uses the 3.5 V6 in the Camry and Lexus. Hmmm... how 'bout the Avalon? I think that's got a 268 hp engine. Same engine they use it in several models. OK, thanks. It's good to know I've got a Lexus engine, if not ...
by rec7
Mon Dec 26, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 11140

Re: At what age, income, and NW would you buy a $50k car?

daveydoo wrote:
rec7 wrote:Toyota uses the 3.5 V6 in the Camry and Lexus.


And the old Lotus Evora used a (tuned) Camry engine (right?), but no one behind the wheel would ever confuse the two driving experiences.


True
by rec7
Mon Dec 26, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 11140

Re: At what age, income, and NW would you buy a $50k car?

For about 28k they put a Lexus engine in the carmy. Something to think about. I have an '07 Camry that's a V6 -- 268 hp. Are you saying that's a Lexus engine? Toyota uses the 3.5 V6 in the Camry and Lexus. Hmmm... how 'bout the Avalon? I think that's got a 268 hp engine. Same engine they use it in ...
by rec7
Mon Dec 26, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 11140

Re: At what age, income, and NW would you buy a $50k car?

johnny wrote:
rec7 wrote:For about 28k they put a Lexus engine in the carmy. Something to think about.


I have an '07 Camry that's a V6 -- 268 hp. Are you saying that's a Lexus engine?


Toyota uses the 3.5 V6 in the Camry and Lexus.
by rec7
Mon Dec 26, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 11140

Re: At what age, income, and NW would you buy a $50k car?

The function of the car would have to match the price. Why am I buying it? Well, the truly useful function would be a self-driving car, but that will start around $100k from Tesla next year, plus little used inventory, so that's out. I am guessing you are looking at a 4 series BMW. No, Lexus. For a...
by rec7
Sun Dec 25, 2016 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Buying lot / home in very bad area of City
Replies: 20
Views: 2247

Re: Buying lot / home in very bad area of City

Remember you have to cut the grass. Easy if you live there not if you don't.
by rec7
Thu Dec 22, 2016 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Looking to Drop Wells Fargo for Online Banking
Replies: 48
Views: 2752

Re: Looking to Drop Wells Fargo for Online Banking

You really need to quit that Debit card. When it is hacked (not if) and you lose $2K you will be very unhappy. And if you slip and they steal $4K you will be very pi**** and broke. I never pay any ATM fees since I am a PMA customer. You could get this stuff for free if you put your emergency fund i...
by rec7
Mon Dec 19, 2016 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Does a CD penalty reduce capital gains on income taxes?
Replies: 6
Views: 595

Re: Does a CD penalty reduce capital gains on income taxes?

Thanks my mind works way faster than my typing skills. LOL
by rec7
Mon Dec 19, 2016 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Does a CD penalty reduce capital gains on income taxes?
Replies: 6
Views: 595

Does a CD penalty reduce capital gains on income taxes?

Does a CD penalty reduce capital gains on income taxes or does reduce interent income only?
by rec7
Fri Dec 16, 2016 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: If a fund pays dividends and capital gains Monday and you take the money and buy Tuesday into the same fund is that a
Replies: 12
Views: 1373

Re: If a fund pays dividends and capital gains Monday and you take the money and buy Tuesday into the same fund is that

I am having a hard time understanding this. So dividends and capital gains are not counted as a sale. So if I buy back in with that money I have not done a wash sale? Have you received any dividends in the past 6 months from any shares that you own? If yes, then look at your account statements eith...

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