Search found 53 matches

by FGal
Mon Aug 12, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 2698

Re: Checking credit card statements

I check my purchases every day practically. I use budgeting software (like Mint or YNAB) and my credit card charges pop in either within the hour of the charge (most of my cards), or at most a day or two (one card is super slow) after. What budgeting software do you use? I use YNAB and it feels lik...
by FGal
Sat Aug 10, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 2698

Re: Checking credit card statements

I check my purchases every day practically. I use budgeting software (like Mint or YNAB) and my credit card charges pop in either within the hour of the charge (most of my cards), or at most a day or two (one card is super slow) after. I can set up name changes in budget software to recognize a regu...
by FGal
Wed Jul 24, 2019 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do you deal with looking bad compared to others?
Replies: 77
Views: 5098

Re: How do you deal with looking bad compared to others?

It's not about keeping up or anything. Your friends/family that do this are jerks. You recognize this, but instead of addressing the nasty snide behavior, you feel the need to ignore and let them keep making nasty rude remarks. So either laugh it off and make it a joke or nicely and firmly call them...
by FGal
Wed Jul 24, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Someone at Citibank signed up for an account, then listed my email address..
Replies: 31
Views: 2248

Re: Someone at Citibank signed up for an account, then listed my email address..

There HAS to be an unsubscribe option. On every email I've ever gotten, buried in the boilerplate. If not, just set that email address sender to "junk" and problem solved. The person that made the mistake may eventually realize they've never gotten a single email and correct it at some point, or not...
by FGal
Thu Jul 18, 2019 3:24 pm
Forum: Personal Investments
Topic: Just sat through a wealth-management sales pitch.
Replies: 96
Views: 10101

Re: Just sat through a wealth-management sales pitch.

Can I ask why you did this favor instead of telling your friend that you are not at all supportive of the career path/company their daughter is in and as it would be compromising your ethics to help in this manner due to the ways firms like this train their employees to take advantage of those that ...
by FGal
Thu Jul 11, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 7928

Re: Has anyone inherited a obligation/burden/responsibility?

The family relation is gone. No matter what your belief system is - you have to realize they never would have intended to hurt you or your future or create such a burdensome situation if they were still alive and were in possession of all the ability to remove the emotional aspects of the bequest an...
by FGal
Thu Jul 04, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: How do you brace for impact?
Replies: 65
Views: 6059

Re: How do you brace for impact?

I... really don't understand the whole "brace for impact" concept like this could be a catastrophic, life-threatening injury situation. If your portfolio can't weather normal market drops, and that includes crashes since those are normal and expected to happen several times during your investing lif...
by FGal
Sat Jun 29, 2019 8:03 pm
Forum: Personal Investments
Topic: Am I missing something? [beyond a 3-fund portfolio]
Replies: 9
Views: 937

Re: Am I missing something?

Not really, you're just missing the "fun" of analyzing the crap out of your investments. Which is fine if you enjoy pouring over numbers/trading as a hobby. I have other much more enjoyable hobbies. I don't care if I miss out on a tiny bit of growth here and there as I understand that index investin...
by FGal
Sat Jun 29, 2019 7:54 pm
Forum: Personal Investments
Topic: Hi I'm planning to start investing for my retirement
Replies: 10
Views: 1300

Re: Hi I'm planning to start investing for my retirement

Be careful of dating/marrying someone that values spending money and keeping up appearances more than anything. A bad-with-money partner can ruin your entire future. Never invest in things you don't understand. If they can't explain it to be understood or give you excuses that it is just "for expert...
by FGal
Thu Jun 13, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11512

Re: Retired at 35 and have no friends :(

More social hobbies? There are tons of them available and you could start looking at meetups to see if there are any interesting groups out there that look like fun. Games (both role playing and board games), wine/beer tasting groups, hiking or biking clubs, restaurant enthusiasts, book clubs, art c...
by FGal
Tue Jun 11, 2019 2:13 am
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 59
Views: 11531

Re: Cleaning up new house before move in—getting rid of “cat smell”

Hired a duck cleaning company. Did a great job. I'm amazed the ducks allowed this. http://alltvspots.com/wp-content/uploads/2019/01/dawn_soap_commercial_duck.jpg You have to make sure you use Dawn for duck cleaning. Not sure how all those dirty ducks would have gotten in the house tho... Other than...
by FGal
Sun May 26, 2019 7:06 pm
Forum: Personal Investments
Topic: Moving Inherited IRA
Replies: 7
Views: 572

Re: Moving Inherited IRA

And you should be aware that if you move it all over and close the EJ accounts, they will hit you with as many fees as possible - seller fees, closing account fee, transfer fee, sour grapes fee.... It is EJ after all. But better to pay the costs to get out of there than have to deal with them any le...
by FGal
Fri May 03, 2019 4:40 pm
Forum: Personal Investments
Topic: Should I go to a Fidelity Office to Set up Account?
Replies: 39
Views: 3003

Re: Should I go to a Fidelity Office to Set up Account?

I've never been to a local office, but all my dealings online/over the phone the Fido reps are very helpful and not pushy. They're supposed to be very low pressure. Their business model appears to be friendly, helpful, no hard selling, easy to deal with. I planned on self managing (after explaining ...
by FGal
Wed Apr 24, 2019 1:47 am
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4340

Re: How to clean a garage?

I come from hoarders. Real scary, as-seen-on-tv type hoarders. I used to have real trouble getting rid of things and I finally broke through by remembering that absolutely NOTHING material goods-wise is completely irreplaceable. If I hadn't used an item in months or years, it got donated or given aw...
by FGal
Tue Mar 05, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Inhereted Whole Life policy - what to do?
Replies: 22
Views: 1753

Re: Inhereted Whole Life policy - what to do?

Whole life policies are almost always - like 99.9% of the time - a very very Bad Idea. They do not benefit the user by very much, and in any situation where a person has need for life insurance, term life is what you get. But insurance companies make tons of money off of whole life, so that is what ...
by FGal
Fri Feb 22, 2019 1:00 am
Forum: Personal Investments
Topic: Beware of the Edward Jones neighborly visit.
Replies: 89
Views: 8732

Re: Beware of the Edward Jones neighborly visit.

This is the way EJ reps are trained to work from what I've experienced (and the following is pure opinion based off of my experience). Go introduce themselves as your neighbor, your fellow church member, gym buddy... and they LOVE finding elderly, lonely, or super frazzled busy people that never had...
by FGal
Sat Jan 19, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8621

Re: What is a Boglehead funeral/burial?

No funeral, no burial site, stone... nothing. I'm hoping to go to a body farm (for forensic researchers) but if there aren't any slots open, then I'm fine with basic body donation for medical/science use. And I could care less what they do with it after they're done.
by FGal
Sun Jan 13, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4829

Re: How do I stop jeans from ripping in the thighs?

Used to have this issue, if you sew, here's a fix/workaround: http://fatshionista.livejournal.com/4648359.html Has nothing to do with the amount of $ spent. If your thighs are rubbing, even the most expensive unicorn-hair, kissed by angels fabric will wear out from the friction. Reducing size of thi...
by FGal
Sun Dec 09, 2018 5:38 am
Forum: Personal Finance (Not Investing)
Topic: ACA - prove you don't have income
Replies: 22
Views: 3196

Re: ACA - prove you don't have income

I was asked to provide proof or documentation of my reported income for the ACA after my husband stopped working. I had already quit the year before. Up to that point, our combined salary had been reported, and even with the loss of mine we still had the husband's income. So once he also quit, the d...
by FGal
Wed Dec 05, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Murder Mystery Authors
Replies: 117
Views: 14730

Re: Murder Mystery Authors

Apologies if I repeat anyone (I skim/read, but not every single line in every post). LOVE Ngaio Marsh and do agree she might just be a tiny bit better than Christie (but adore Christie no matter what). Martha Grimes - pub series/Richard Jury novels. I stopped reading them after "The Blue Last" as th...
by FGal
Sat Nov 17, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: interesting call with my 80yr old mothers Fidelity advisor
Replies: 30
Views: 5148

Re: interesting call with my 80yr old mothers Fidelity advisor

lomerica01, there was a discussion thread on the Fidelity Portfolio Advisory Service a few months ago. Here is link to my comment at the time: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=218762#p3989058 . I suggest you read the whole thread as well. I meet with my Fidelity adivsor once a ...
by FGal
Sat Nov 10, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 14533

Re: Worth fixing a 30-year-old Maytag dryer?

I'd fix it. My plumber that was working on my laundry room at one point told me to fix it as long as possible as they literally do not make things that work as well or last as long any more. Everything you buy now is expected to breakdown in a few years, and cost 10 times the cost of what you would ...
by FGal
Tue Nov 06, 2018 4:39 pm
Forum: Personal Investments
Topic: Rolled 401k into Fidelity...Now what?
Replies: 8
Views: 493

Re: Rolled 401k into Fidelity...Now what?

You definitely would do just fine using Fido funds at Fido. I have my whole portfolio with Fido and am completely happy. I do a lazy Bogleheads 3 fund portfolio using Fido's total market funds, and it's been great. And since they've introduced the zero funds, they're competitive (if not better deal)...
by FGal
Tue Nov 06, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1830

Re: Need ideas for unusual gifts for preteen boy

If they are at all interested in mechanics, robotics, or building things in general, check out American Science & Surplus: https://www.sciplus.com/ I love them just because they're super quirky and also use them for small motors/gizmos for my Halloween prop building needs, but they're pretty nifty f...
by FGal
Sat Nov 03, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4638
Views: 1197401

Re: What Movie Have You Recently Watched?

A Man Called Ove (2015, Swedish/subtitles) https://www.imdb.com/title/tt4080728/?ref_=nv_sr_1 I loved it. Absolutely loved it. The husband too. He hadn't expected to like it, but it was funny, poignant, and made you cry too. Going Postal (2010) https://www.imdb.com/title/tt1219817/?ref_=nv_sr_1 It's...
by FGal
Sat Oct 27, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Just Moved. Furnishing Apartment. Beanbag recommendations
Replies: 19
Views: 1741

Re: Just Moved. Furnishing Apartment. Beanbag recommendations

Also think about looking at a thrift store in a nice area. I find the most beautiful furniture all the time for under $50 at the local goodwill... and they do "color of the week" sales where they're marked down 30% for the first part of the week, drop to 50% the last part, and the color of the week ...
by FGal
Mon Oct 22, 2018 1:26 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 9098

Re: Quitting w/o notice

If you really can't weather a 2 week notice and this job isn't one you care about for the purposes of career building: Take a day to do a quick list of where things are that might be important to whomever comes after you. Wipe anything personal from your computer (like browser links or personal docs...
by FGal
Thu Oct 18, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out with early onset Alzheimer's
Replies: 15
Views: 1862

Re: Helping out with early onset Alzheimer's

I would question keeping a house at this time. It might be better to move in the next year or two while they are still competent and get used to a nice apartment/condo in a senior living center that has a memory care facility and reduce the amount of balls in the air (mortgage/maintenance/property t...
by FGal
Tue Sep 25, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 61
Views: 8480

Re: Someone stole my check from the mail, changed the amount, and deposited it

For all of you asking how they changed the amounts, it is a simple procedure called "check washing" using a solvent to remove the ink and then end up with a lovely blank check they could write out to anyone for any amount. Most ballpoint pens can be removed with nail polish remover or rubbing alcoho...
by FGal
Sun Sep 23, 2018 11:36 pm
Forum: Personal Investments
Topic: Investing in the Rare Opportunity
Replies: 59
Views: 4689

Re: Investing in the Rare Opportunity

I would cash out the 1 mill, throw it into total market index fund, quit, and go live really, really well off the 3 million + I'd have. Hell, that 3 million he'd have guaranteed invested in a 80/20 likely would be worth well over 5 million in the same time period, without the "double down on hard wo...
by FGal
Sun Sep 23, 2018 11:28 pm
Forum: Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6830

Re: Emotional Investor - I'm a mess and need help!

If you want fun and excitement, take up skiing, scuba diving or hang gliding. Hell, even stamp collecting or dog training just go find something else to keep you busy in your free time so you stop losing your money. Investing should be boring and you shouldn't even be thinking about it but once or t...
by FGal
Sun Sep 23, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Dark stain wood floors
Replies: 27
Views: 2552

Re: Dark stain wood floors

I have a deep brown hickory floor matte finish (it's got a sheen to it, but definitely NOT glossy). Had it put in about 10 years ago. It is beautiful. It is also a pain in the ass to keep looking beautiful. Every speck of dust, cat hair, human hair, whatever... super easy to see. Scratches are not a...
by FGal
Wed Sep 19, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 56
Views: 6827

Re: Should I bother meeting with a Chase Private Client Rep

Nope, waste of time. They are terribly expensive, load funds, the actual reps don't really even understand their own investments, and you don't need to invest where you bank. I had a small amount with Chase investments many years ago when I was dumb. I remember the rep being almost as clueless as I ...
by FGal
Sat Sep 15, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5863

Re: Shorts in Egypt

Shorts are a crime against elegance. But Amelia Peabody wore bloomers! Some things are more important than elegance. But she's a lady, and I'm assuming OP is a man. But if he wanted to rock some fluffy bloomers, I'd think the natives would definitely stare (in addition to everyone else). And love t...
by FGal
Sun Sep 09, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 33
Views: 2301

Re: where to learn to sew?

Second the recommendation to check out fabric stores like JoAnn and Handcock Fabrics. Also sewing machine specialty stores that sell the fancy machines usually offer classes. I learned to sew at college in the theater department. You might look into local playhouse/theaters - especially ones that ha...
by FGal
Thu Sep 06, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2303

Re: Phone Calls from Windows saying computer has Malware

I believe the need to answer the phone is a generational thing. My father would never let a call go to the answer machine if he was home, and he would politely try to explain that the scammer should stop calling him. Which was painful to hear as they were usually smarmy then threatening and my dad j...
by FGal
Wed Aug 22, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: wood flooring recommendations
Replies: 13
Views: 1482

Re: wood flooring recommendations

I had engineered hardwood installed about 7 years ago. Slab construction, so the slab had to be leveled first which took a bit because my slab apparently was poured and then got rained on while curing so it was lumpy bumpy as all get out. :annoyed Glue down with the adhesive acting as a vapor barrie...
by FGal
Wed Aug 22, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: relationship issues - advise needed
Replies: 51
Views: 4365

Re: relationship issues - advise needed

Counselor. Contact your insurance for a list of covered counselors. Don't say you need marriage counseling, as they won't technically cover that usually (eyeroll here) but tell them that you need counselors for individual counseling, dealing with a hopefully a short term stressful situation. Then ch...
by FGal
Sat Aug 18, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 10942

Re: Edward Jones rep door knocking

I would like to ask a question without getting roasted over a fire. If you belong to this forum you are usually pretty knowledgable on investments and the importance of saving. I continuously read on here that Edward Jones is basically evil and that 99% of people don't need to have a financial advi...
by FGal
Sat Aug 18, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 10942

Re: Edward Jones rep door knocking

In case anyone wasn't aware, this is definitely a sales tactic they encourage because it's all part of the "I am your NEIGHBOR! I will ask about your kids and grandkids and vacations and shoot the breeze with you about your church or sports activities... because I care " type of BS that makes them s...
by FGal
Wed Aug 08, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Fidelity announced 10-for-1 fund splits in certain mutual funds
Replies: 18
Views: 6167

Re: Fidelity announced 10-for-1 fund splits in certain mutual funds

I hold a tiny fraction of FDGRX, from the before times. As it's less than 1% of my portfolio, I justify the continued investment holding as sentiment, while the rest of my portfolio is solidly index funds. That being said, it is one of the funds that will be doing the split, and I wonder over the po...
by FGal
Fri Aug 03, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited Whole Life Policy
Replies: 6
Views: 573

Re: Inherited Whole Life Policy

Just cash it in and don't tell the parent. If they somehow hear of it being cashed in, tell them you already have insurance and moved the funds to work better for your family. If you feel uncomfortable with the idea of only having employer sponsored insurance, get some term life 10-20 year coverage ...
by FGal
Sun Jul 22, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Giving money to adult kids
Replies: 23
Views: 4112

Re: Giving money to adult kids

OP - if you can afford it, then just give your children what you want to give them. If they blow it, so what? They're both in their 50s and you said one is in poor health and one is struggling financially; how amazing of a gift would it be to give them money that might make their life a bit better i...
by FGal
Thu Jun 28, 2018 5:28 pm
Forum: Personal Investments
Topic: Disappointed with Fidelity 401k
Replies: 36
Views: 4111

Re: Disappointed with Fidelity 401k

I had a workplace 401k through Fido and it was awesome. They even had the low cost index total market fund available and the overall management was very well run. I do believe it was mostly due to the fact that our CFO at the time was also the plan admin for our 401ks and he was a hands-on kind of g...
by FGal
Thu Jun 28, 2018 5:11 pm
Forum: Personal Investments
Topic: How do beneficiaries get paid?
Replies: 5
Views: 1052

Re: How do beneficiaries get paid?

IANAL, but this was my experience after my father died, and subsequent research. Do your own fact checking obviously to confirm or discredit what follows. After the death, death certificates are needed. Funeral homes can and usually do provide them (you need official ones for things just like this -...
by FGal
Thu Jun 28, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Crowd funding
Replies: 6
Views: 464

Re: Crowd funding

You can send money easily for free (no transaction charges) through Paypal friends and family option once you link a bank account. What you'll need to do is set up the account for your relative on Paypal, get them an email address and link their bank account. Then friends and family that wish to sen...
by FGal
Sun Jun 03, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Max out 401k w/credit card debt?
Replies: 30
Views: 2267

Re: Max out 401k w/credit card debt?

Just chiming in on the "stop contributing to the 529" bandwagon. Kids can get loans, grants or other means of paying for schooling; you can't finance retirement. Saving/paying for college is a luxury you can't afford now. If there's no match on your 401k, then you need to dial back on contributing t...
by FGal
Sat Jun 02, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 4682

Re: Friends with an EJ Advisor

I've recently become good friends with an Edward Jones advisor. He knows I have a relatively high net worth for my age and I've made it clear that I got burned by an advisor in the past and am perfectly content with my simple 3 fund index portfolio. We've gotten into a few minor debates about activ...
by FGal
Fri May 25, 2018 6:30 pm
Forum: Personal Investments
Topic: Book for wife on investing
Replies: 26
Views: 2521

Re: Book for wife on investing

The Simple Path To Wealth ^this is a book based on Jim Collins' stock series . I knew nothing about investing when I started, stumbled over his site, and read the series. I literally went from afraid and confused and sure I'd never be able to deal with this stuff ever, to self managing my portfolio...
by FGal
Sat May 19, 2018 3:47 pm
Forum: Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 4238

Re: Wife Retiring hesitant to roll-over funds to Vanguard

http://jlcollinsnh.com/2012/09/07/stock ... ets-nuked/

The best argument for not really caring about the "eggs in one basket" scenario I've read.