Search found 180 matches

by keepingitsimple
Tue Apr 16, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6338

Re: What is your hobby and how did it come to be your hobby?

Many thanks to all that have responded, I've found the responses a most interesting read. I've had varying hobbies in the past but my interest in most has run its course, hence my search for something new. I guess I'm looking for something (as Sandtrap stated) I like doing so well that I would rathe...
by keepingitsimple
Tue Apr 16, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6338

What is your hobby and how did it come to be your hobby?

I’m looking for a new hobby and am curious as to what other Bogleheads have chosen, as well as how it came to be.
by keepingitsimple
Fri Mar 29, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4636

Re: High School Senior Pictures

This topic struck a chord with me. I am a girl, my family was poor, and my mom took my senior pictures when I graduated high school. I'm almost 50 and I still regret it. A LOT. These aren't beach snapshots. They will be in her yearbook and on people's walls. They will be one of a handful of picture...
by keepingitsimple
Tue Mar 26, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4636

Re: High School Senior Pictures

Am wondering what you do in regards to senior pictures for your high school senior? Our other children who have graduated (boys) were more than happy with me taking their pictures. We have a nice camera and lots of different areas on our property to shoot pictures. We buy photo paper to print them ...
by keepingitsimple
Tue Mar 26, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4636

Re: High School Senior Picture

Thank you for all the responses. So there is no in-school option where the yearbook picture is taken and then copies can be ordered? The school photographer does come in and takes pictures of all the kids. However, I don't believe our daughter would ever accept this as an alternative. Quite honestl...
by keepingitsimple
Tue Mar 26, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4636

Re: High School Senior Pictures

celia wrote:
Tue Mar 26, 2019 10:21 pm
I'd also add, for me, this discussion also applies to senior rings. Who wears them once they are done with high school? My kids agreed with that one pretty fast.
Agree regarding senior rings. High School graduation ring in a drawer for years. College graduation ring in a drawer for years.
by keepingitsimple
Tue Mar 26, 2019 11:04 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4636

Re: High School Senior Picture

Thank you for all the responses. So there is no in-school option where the yearbook picture is taken and then copies can be ordered? The school photographer does come in and takes pictures of all the kids. However, I don't believe our daughter would ever accept this as an alternative. Quite honestl...
by keepingitsimple
Sat Mar 02, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Thinking of Buying a Watch - Recommendations?
Replies: 74
Views: 4652

Re: Thinking of Buying a Watch - Recommendations?

I know it will sound like bells/whistles and a “name brand” but I think the Apple Watch is really good. I have worn one for the past five years and really like it. I use it for time, calendar and messages. Easy to use, rechargeable battery that lasts me all day and syncs with my phone. I used to ha...
by keepingitsimple
Sat Mar 02, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Thinking of Buying a Watch - Recommendations?
Replies: 74
Views: 4652

Re: Thinking of Buying a Watch - Recommendations?

I know it will sound like bells/whistles and a “name brand” but I think the Apple Watch is really good. I have worn one for the past five years and really like it. I use it for time, calendar and messages. Easy to use, rechargeable battery that lasts me all day and syncs with my phone. I used to ha...
by keepingitsimple
Tue Feb 26, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9033

Re: How did mylife.com get my info?

Funny - looked up someone else I know and it shows him as both a "Democrat" and a "Tea Party Supporter" -... My profile says the same thing. I wouldn't be surprised if it's deliberate misinformation in the hopes that people will volunteer their correct information. Yup - it seems there are a few co...
by keepingitsimple
Tue Feb 26, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9033

Re: How did mylife.com get my info?

Travel Geek, I read the article Clark Howard wrote about getting one's info deleted from MyLife and recalled he said if you were talking with them on the phone, to be persistent. So I decided to be persistent with the email method to see if it would work. It did. Here's what I did: 1. I emailed Rem...
by keepingitsimple
Tue Feb 26, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9033

Re: How did mylife.com get my info?

PinotGris wrote:
Tue Feb 26, 2019 10:05 am
Hmmm. I was just going to send an email to have my info removed. Then it occurred to paranoid me that this may be a way to harvest email accounts.
Did you all use a fake or alternate email account?
Yes, I used an alternate email account reserved for things of this nature.
by keepingitsimple
Tue Feb 26, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9033

Re: How did mylife.com get my info?

I tried this yesterday and just got a canned response that my page is complied from public record and that they won't remove it, but if I pay them for a premium membership, I may be able to edit/remove some data points. I told them what they could do with their paid membership.... I've heard simila...
by keepingitsimple
Tue Feb 26, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9033

Re: How did mylife.com get my info?

HOW I GOT MY MYLIFE INFO DELETED: 1. I emailed RemovalRequest@mylife.com and requested my information be removed and included the URL link to the page about me. 2. I then received the first automated acknowledgment email saying it would take 7-10 days. 3. I replied to this first automated email by ...
by keepingitsimple
Tue Feb 26, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9033

Re: How did mylife.com get my info?

I just looked up myself and most of their "facts" listed for me are false. Wrong ethnicity. Wrong religion. Wrong income. Wrong net worth. Wrong relationship status. Wrong friends. Etc. I sent them a removal request. Update: I sent a removal request, and fairly immediately I received a response sta...
by keepingitsimple
Mon Feb 25, 2019 11:33 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9033

Re: How did mylife.com get my info?

Seeing this same thing “Thank you for contacting MyLife™ to request removal of your Public Background Report & Reputation Score. Unfortunately the information on your Public Background page cannot be removed as it is gathered from public records, government, and other public sources for the purpose...
by keepingitsimple
Mon Feb 25, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9033

Re: How did mylife.com get my info?

You can have your information removed from MyLife.com. Send an email to RemovalRequests@mylife.com. In the body of the email tell them you want your information removed, and include a link to the page about you on MyLife.com. DW and I did this last week, and it works. I tried this yesterday and jus...
by keepingitsimple
Tue Feb 19, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need a will/trust/etc?
Replies: 58
Views: 3465

Re: Do we need a will/trust/etc?

I get that we need to put a will together. I am confused about a trust. Many people here suggested a trust. I didn't really see a good explanation for what a trust would do for our family? One mentioned estate taxes, but with the current estate tax limit being around $11 million, I don't think that...
by keepingitsimple
Tue Feb 19, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need a will/trust/etc?
Replies: 58
Views: 3465

Re: Do we need a will/trust/etc?

My wife and I have assets around $2 million dollars, and we have two kids both elementary school age and younger. I have a employer-provided life insurance policy worth $250,000, she has none. We are in good health. What critical documentation do we need to have? For example, I know we need a will ...
by keepingitsimple
Sat Feb 09, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Pay for life insurance on myself for my parents?
Replies: 12
Views: 524

Re: Pay for life insurance on myself for my parents?

It seems this is a unique circumstance, given the details. Since the premium for the policy is "a relatively small sum", am I correct to presume it is easily affordable for you to pay? If the answer is yes, I propose you consider continuing the policy. Not because it is the most logical/needed polic...
by keepingitsimple
Wed Jan 16, 2019 9:25 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7598

Re: When would you stop being a Boglehead?

Pretty much everyone here (myself included) is convinced about the low-cost, do-it-yourself investing philosophy. But I’m curious: at which point would you start considering to delegate the management of your portfolio to firms like Merrill Lynch and Morgan Stanley? $10M? $50M? Literally never? The...
by keepingitsimple
Sat Jan 05, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 274
Views: 23526

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Hello, I am a 32 year old male, wife and two kids under 4. I currently work for an environmental consulting company in Miami for the past 7.5 years. I currently live in Broward County (not as expensive as Miami, about 40 miles north). My wife has not worked since my second kid was born in late 2017...
by keepingitsimple
Thu Jan 03, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: When do brokered CD rates typically increase?
Replies: 9
Views: 1176

Re: When do brokered CD rates typically increase?

The 5 yr CD is now yielding 1% more than a 5 yr treasury, that is a fairly large premium. Probably something like a 10-20 basis point drop on the 2 and 3 yr, maybe more on the 5 yr. The banks are meeting on this as we speak I assure you. When there was a 4% CD posted on deposit accounts a week or 2...
by keepingitsimple
Thu Jan 03, 2019 12:41 pm
Forum: Investing - Theory, News & General
Topic: When do brokered CD rates typically increase?
Replies: 9
Views: 1176

Re: When do brokered CD rates typically increase?

They will not follow the Fed funds rate necessarily, more so the corresponding treasury yield for that maturity. Take a look at treasury yields today as they have been dropping. 2 yr treasury yield is now below the Fed funds rate. https://www.bloomberg.com/markets/rates-bonds/government-bonds/us I ...
by keepingitsimple
Thu Jan 03, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: When do brokered CD rates typically increase?
Replies: 9
Views: 1176

Re: When do brokered CD rates typically increase?

I typically keep a watch on brokered CD rates at Charles Schwab. I noticed just prior to the most recent Fed rate increase that CD rates were slightly higher than they are now, perhaps 10 basis points. I know CD rates won't immediately increase from a Fed rate increase, I am curious though if other...
by keepingitsimple
Thu Jan 03, 2019 12:19 pm
Forum: Investing - Theory, News & General
Topic: When do brokered CD rates typically increase?
Replies: 9
Views: 1176

When do brokered CD rates typically increase?

I typically keep a watch on brokered CD rates at Charles Schwab. I noticed just prior to the most recent Fed rate increase that CD rates were slightly higher than they are now, perhaps 10 basis points. I know CD rates won't immediately increase from a Fed rate increase, I am curious though if other ...
by keepingitsimple
Tue Dec 25, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Who says the Large Hadron Collider had no effect?
Replies: 43
Views: 7935

Re: Who says the Large Hadron Collider had no effect?

Doesn't anyone find it odd that the Large Hadron Collider was turned on last Wednesday ... and on Friday, the US banking system imploded? The scientists at CERN scoffed at the idea that the LHC could create a black hole that would destroy the world ... but look what happened! And who's behind it? H...
by keepingitsimple
Tue Dec 11, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7473

Re: "The 10 Worst Places To Get Investing Advice"

BogleMelon wrote:
Tue Dec 11, 2018 9:52 am
keepingitsimple wrote:
Mon Dec 10, 2018 10:57 pm
19. Anyone who says they know a guy who is an expert at investing.
I have a friend who would introduce me that way to his friends!
Proof that every rule has it's exception :sharebeer
by keepingitsimple
Mon Dec 10, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7473

Re: "The 10 Worst Places To Get Investing Advice"

19. Anyone who says they know a guy who is an expert at investing.
by keepingitsimple
Sun Dec 02, 2018 6:05 pm
Forum: Personal Investments
Topic: Simple Person Needs Simple Advice Regarding Retirement
Replies: 26
Views: 2409

Re: Simple Person Needs Simple Advice Regarding Retirement

Thanks ResearchMed, I'll remember this. If I remember correctly one of the gentlemen is an estate attorney. I'm never quick to trust people but I do need to get this money in CD's soon starting in January, at least one year CDs.... I guess. I get paralysis by analysis which is costing me dollars ev...
by keepingitsimple
Sun Dec 02, 2018 5:45 pm
Forum: Personal Investments
Topic: Simple Person Needs Simple Advice Regarding Retirement
Replies: 26
Views: 2409

Re: Simple Person Needs Simple Advice Regarding Retirement

Thank you everyone for your responses which will go to good use. I'm really glad I found this site and posted my question. Every single reply is as if people really care which is very encouraging. What can I say but thank you, I hope your life is going well. I know of an estate planner and also a f...
by keepingitsimple
Sun Nov 25, 2018 11:58 pm
Forum: Personal Investments
Topic: US govt agency bonds
Replies: 8
Views: 961

Re: US govt agency bonds

CD laddering seems like the most appealing option. I'd be happy if I could get the same returns w/o the liquidity loss. Perhaps one way to mitigate the liquidity loss with a CD ladder is to establish a shorter duration ladder (2-3 years) where CDs mature more frequently, perhaps quarterly. Just a t...
by keepingitsimple
Sun Nov 25, 2018 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting accounts as a beneficiary - potential issues and practical tips?
Replies: 33
Views: 2392

Re: Inheriting accounts as a beneficiary - potential issues and practical tips?

It's usually better not to designate beneficiaries except for life insurance and retirement benefits. Designating beneficiaries for everything will make it more difficult for your final income tax returns to be filed and the taxes paid, for someone to advance the money for your funeral and be reimb...
by keepingitsimple
Sun Nov 25, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting accounts as a beneficiary - potential issues and practical tips?
Replies: 33
Views: 2392

Re: Inheriting accounts as a beneficiary - potential issues and practical tips?

It's usually better not to designate beneficiaries except for life insurance and retirement benefits. Designating beneficiaries for everything will make it more difficult for your final income tax returns to be filed and the taxes paid, for someone to advance the money for your funeral and be reimb...
by keepingitsimple
Fri Nov 23, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: What financial advice have you been most grateful for?
Replies: 60
Views: 5702

Re: What financial advice have you been most grateful for?

Three pieces of financial advice for which I am most grateful:

1. Keep it simple.
2. Only invest in that which you understand.
3. You don’t need an advisor. (Better phrased as: Dump your financial salesperson).
by keepingitsimple
Sat Nov 17, 2018 8:07 am
Forum: Personal Investments
Topic: LOST OVER $400 on CDs in 2 Weeks!
Replies: 24
Views: 4465

Re: LOST OVER $400 on CDs in 2 Weeks!

So I setup a Vanguard IRA and rolled over prior employer 401K funds to Vanguard. I bought a couple 10 year FDIC insured CDs and have somehow lost hundreds of dollars. Can someone explain how this could happen?? I didn't think you could lose money on CDs. You’ve not actually lost any money on your b...
by keepingitsimple
Wed Nov 14, 2018 8:38 pm
Forum: Personal Investments
Topic: Question re: brokered CD at maturity
Replies: 10
Views: 1065

Re: Question re: brokered CD at maturity

VG explains that brokered CD's have a fluctuating market value and value can decline due to rising interest rates. So if I hold a brokered CD until maturity, do I get 100% of my purchase price ? Or is it possible to get less ? Yes, if you hold a brokered CD until maturity you will get 100% of your ...
by keepingitsimple
Mon Oct 15, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2575

Re: How do you buy a mattress ?

Ordered Tuft and Needle. It comes compressed in a box. We like that it sleeps cool and it's firm but not too firm. We now have three of them in the house. I too purchased a Tuft & Needle and like it very much. OP, if you order one of the mattresses in a box (Tuft & Needle, Leesa, Casper, Purple, et...
by keepingitsimple
Wed Oct 10, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1121

Re: Hiking NH White Mountains. Taking one lens.

Day trip. Will be @ 5200 ft (Mt. Lafayette)...it is peak foliage here right now. I will be about 1,000 ft above tree line on top of Lafayette. Here are my lenses. I'm only taking one. Canon 24-70 F2.8 II Canon 50 F1.2 Canon 16-35 F4 Canon 100-400 F4.5-5.6 I was also considering toughing it out brin...
by keepingitsimple
Thu Sep 27, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7355

Re: Got my new Iphone Xs

Man, what a computer!! Phone work's great also. My previous phone was an Apple 4s. I'm not a person who upgrades very often. But this is some phone. I spent about $1300 for a totally tricked out (512GB) model I run a variety of apps that are processor and storage intensive. I dig the face id, the g...
by keepingitsimple
Wed Sep 26, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1224
Views: 122166

Re: [What TV Show Have You Recently Watched?]

I'm typically not one for cooking shows...somehow I've gotten sucked into The Great British Baking Show on Netflix. I recommend it.
by keepingitsimple
Sat Sep 22, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Water filters and vacuum cleaners.
Replies: 13
Views: 1503

Re: Water filters and vacuum cleaners.

I'm a fan of the stand alone units by Berkey Water Filters. While not inexpensive, the units are stainless steel and their filters last a long time.

Here's a link to more info regarding the filters, how they work and what they filter out:

https://www.berkeyfilters.com/berkey-an ... rformance/
by keepingitsimple
Mon Sep 17, 2018 10:39 am
Forum: Personal Investments
Topic: Switched from Edward Jones - Need advice on selling equities
Replies: 7
Views: 811

Re: Switched from Edward Jones - Need advice on selling equities

I recommend consulting a CPA. They'll be able to give accurate insight into your specific tax situation. Our CPA has been an invaluable resource.
by keepingitsimple
Sun Sep 16, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13645

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I doubt I can provide a more insightful and well thought out response than SoAnyway has already provided. In the spirit of contributing, I'll add a few minor points though: 1. If you leave your current job, emotionally you'll feel 50 lbs lighter. We often don't fully realize to what we have acclimat...
by keepingitsimple
Sat Sep 15, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 59279

Re: What is your luxury good?

- XM Radio
- Car wash membership for unlimited monthly car washes
by keepingitsimple
Sat Sep 15, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: CDs role in Fixed income part of portfolio
Replies: 31
Views: 2990

Re: CDs role in Fixed income part of portfolio

Right now, you can build a 5-year CD ladder with brokered CD's at Vanguard that yields 3.01% in the first year. If you could reinvest the maturing 1-year CD at current 5-year rates, the average yield goes up to 3.19% in year two. The average maturity of the ladder will be 2.5 years, and your princi...
by keepingitsimple
Fri Sep 14, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Critical Account
Replies: 20
Views: 2591

Re: Critical Account

Awhile back, I gave someone $5,000 to put in her personal credit union savings account (0.35% APY). She's 15 years younger than me (I'm 76) and if I were to die, she would absolutely depend on this money and her credit card for a few weeks for living expenses until she inherited something like $2.3...
by keepingitsimple
Fri Sep 14, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3729
Views: 1074134

Re: What Book Are You Currently Reading? Part VI

The History of the United States in Five Crashes by Scott Nations.
by keepingitsimple
Fri Sep 14, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Critical Account
Replies: 20
Views: 2591

Re: Critical Account

Awhile back, I gave someone $5,000 to put in her personal credit union savings account (0.35% APY). She's 15 years younger than me (I'm 76) and if I were to die, she would absolutely depend on this money and her credit card for a few weeks for living expenses until she inherited something like $2.3...
by keepingitsimple
Fri Sep 14, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: CDs role in Fixed income part of portfolio
Replies: 31
Views: 2990

Re: CDs role in Fixed income part of portfolio

michaeljc70 wrote:
Fri Sep 14, 2018 6:03 pm
I'd rather not fool with CDs/CD ladders, but am questioning that.
I am a fan of CD's and CD ladders for fixed income. Additionally, I find CD ladders easy to maintain.