Search found 276 matches

by iamblessed
Mon Nov 18, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity ([Elan]) card eBill
Replies: 30
Views: 2120

Re: Fidelity ([Elan]) card eBill

radiowave wrote:
Mon Nov 18, 2019 7:47 pm
iamblessed wrote:
Mon Nov 18, 2019 7:33 pm
I can see the amount they are going to take out and on what date. It might work this time.
Are you using Fidelity eBilling?
No auto pay. The first time I could not get it to work.
by iamblessed
Mon Nov 18, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity ([Elan]) card eBill
Replies: 30
Views: 2120

Re: Fidelity ([Elan]) card eBill

I can see the amount they are going to take out and on what date. It might work this time.
by iamblessed
Mon Nov 18, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Weather wise what would I notice if I moved from Topeka,KS to Spokane, WA?
Replies: 7
Views: 813

Weather wise what would I notice if I moved from Topeka,KS to Spokane, WA?

Weather wise what would I notice if I moved from Topeka,KS to Spokane, WA?
by iamblessed
Sun Nov 17, 2019 7:25 pm
Forum: Investing - Theory, News & General
Topic: I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellington?
Replies: 17
Views: 2873

Re: I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellingt

Here is a guy that took Vanguard Wellington 5% Withdrawals 2001-2017. He did well for a 16 year period with two bears. https://www.youtube.com/watch?v=m3UuOLT1YZs&t=344s With my idea it would be more than 5% some years and way less other years. Was there a follow up to this video as he mentions? I ...
by iamblessed
Sun Nov 17, 2019 3:12 pm
Forum: Investing - Theory, News & General
Topic: I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellington?
Replies: 17
Views: 2873

Re: I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellingt

Here is a guy that took Vanguard Wellington 5% Withdrawals 2001-2017. He did well for a 16 year period with two bears. https://www.youtube.com/watch?v=m3UuOLT1YZs&t=344s

With my idea it would be more than 5% some years and way less other years.
by iamblessed
Sun Nov 17, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: What household income is considered "comfortable" where you live?
Replies: 10
Views: 1327

Re: What household income is considered "comfortable" where you live?

I guess everyone will have a different definition of comfortable. I define it as solidly upper middle class. You are able to own a nice single family home in a good school district. You are able to eat out and take a family vacation each summer and not sweat the small stuff like an unexpected car r...
by iamblessed
Sun Nov 17, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellington?
Replies: 17
Views: 2873

Re: I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellingt

I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellington every year? How many years could you stay afloat doing something like that in retire in a taxable account? Do you mean to sell enough to capture the entire year's capital gain? Or ...
by iamblessed
Sun Nov 17, 2019 2:18 pm
Forum: Investing - Theory, News & General
Topic: I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellington?
Replies: 17
Views: 2873

I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellington?

I have often wondered how long a person would last in retirement taking dividends and capital gain from the Wellington every year? How many years could you stay afloat doing something like that in retire in a taxable account? The amount it would pay would swing a lot some years.
by iamblessed
Fri Nov 15, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity ([Elan]) card eBill
Replies: 30
Views: 2120

Re: Fidelity (Elon) card eBill

I am setting this up again. Failed the first time. If there is a problem I will let you guys know next month. Weird because I did the same thing on my credit union credit card and it worked no problem. For some reason the Fidelity card did not.
by iamblessed
Fri Nov 15, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity ([Elan]) card eBill
Replies: 30
Views: 2120

Re: Fidelity (Elon) card eBill

I am not sure why some people are not able to do this. We gave 4 of these 2% back cards. They are all set to auto pay from our Fidelity CMA account. Has been that way for a few years, never had a problem with missed payments. Will taking the last 13 numbers off the bottom of the fidelity check work...
by iamblessed
Fri Nov 15, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity ([Elan]) card eBill
Replies: 30
Views: 2120

Re: Fidelity (Elon) card eBill

delete
by iamblessed
Thu Nov 14, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity ([Elan]) card eBill
Replies: 30
Views: 2120

Re: Fidelity (Elon) card eBill

I tried to auto pay this card but it failed.
by iamblessed
Wed Nov 13, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: The difficulty of discarding frugality?
Replies: 110
Views: 9796

Re: The difficulty of discarding frugality?

You can still be frugal just retire 10 or 20 years sooner. No need to change lifestyle.
by iamblessed
Sun Nov 10, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7982

Re: Humana Part D - ILLINOIS - premiums up up up

phxjcc wrote:
Sat Sep 28, 2019 3:05 pm
California, $23.50 to $64 in 2020.
+1 Kansas $16 to $63
Same income both cheapest plan
by iamblessed
Sun Nov 10, 2019 2:03 pm
Forum: Personal Investments
Topic: Ally as a one stop shop
Replies: 31
Views: 3381

Re: Ally as a one stop shop

May try a brokerage account and a local credit union checking account. Only two places with no fees. That way if a problems up with the checking she can walk in and get it ironed out.
by iamblessed
Sun Nov 10, 2019 11:07 am
Forum: Personal Investments
Topic: Ally as a one stop shop
Replies: 31
Views: 3381

Re: Ally as a one stop shop

Make sure if a crook gets in your checking account they can't get into the brokerage.
I wonder if dividends can be put into that saving account on auto pilot?
Report back if you don't mind.
by iamblessed
Thu Oct 24, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1262

Re: Gas cap door on a 1995 Chevrolet cavalier has a problem

Cubicle wrote:
Tue Oct 22, 2019 9:49 pm
Replacement door. These are usually easy fixes. eBay or a junkyard.

Or remove the door & get a locking gas cap.
I did not see any used on ebay. I saw one new for about $118 The junk yards by me are well picked over. I am guessing it would not be there.
by iamblessed
Tue Oct 22, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1262

Re: Gas cap door on a 1995 Chevrolet cavalier has a problem

Fletch wrote:
Tue Oct 22, 2019 6:36 pm
iamblessed wrote:
Tue Oct 22, 2019 6:25 pm
I thought about epoxying some magnets to it to keep it closed. I don't know if this is safe?
Why do you think that would not be safe?
The fumes are strong right there so I did not want something that would spark.
by iamblessed
Tue Oct 22, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1262

Re: Gas cap door on a 1995 Chevrolet cavalier has a problem

I thought about epoxying some magnets to it to keep it closed. I don't know if this is safe?
by iamblessed
Tue Oct 22, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1262

Gas cap door on a 1995 Chevrolet cavalier has a problem

The gas cap door will open and shuts. It does not have any spring in it you might say. Nothing to keep it open or shut. Any easy way to fix this problem?
by iamblessed
Tue Oct 15, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5974

Re: Replace water heater just because it's old?

I'm a non-mechanical type of person. Is it easy to learn to drain the tank yourself? I just replaced my HW heater earlier this year and would like to maintain the new one. I could also hire this out but was curious if it was difficult to learn (tank is in the unfinished basement). :happy It's not r...
by iamblessed
Sun Oct 13, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on clothing?
Replies: 38
Views: 2631

Re: How much do you spend on clothing?

$100 a year including shoes
by iamblessed
Sat Oct 12, 2019 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Cancellating and Insurance Rates
Replies: 27
Views: 1562

Re: Credit Card Cancellating and Insurance Rates

I closed my oldest card and opened a new one at the same time. My score dropped around 25 points. So if you are ok with that drop go for it. I had a 795 score at the time and it was back up in less than a year. OP is closing his ONLY card, so he will go from having a 20 year card to having a brand ...
by iamblessed
Sat Oct 12, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Cancellating and Insurance Rates
Replies: 27
Views: 1562

Re: Credit Card Cancellating and Insurance Rates

I closed my oldest card and opened a new one at the same time. My score dropped around 25 points. So if you are ok with that drop go for it. I had a 795 score at the time and it was back up in less than a year. OP is closing his ONLY card, so he will go from having a 20 year card to having a brand ...
by iamblessed
Sat Oct 12, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Cancellating and Insurance Rates
Replies: 27
Views: 1562

Re: Credit Card Cancellating and Insurance Rates

I closed my oldest card and opened a new one at the same time. My score dropped around 25 points. So if you are ok with that drop go for it. I had a 795 score at the time and it was back up in less than a year. I am guessing that if you can keep your score above 760 it is not a big deal. Another thi...
by iamblessed
Fri Oct 11, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5974

Re: Replace water heater just because it's old?

30 years old this year. Flushed about every two years. Have not replaced the anode rod. It is in the basement. I pray mine leaks before it's like Noah's flood.
by iamblessed
Thu Oct 10, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 32132

Re: Anyone want to share their monthly budget? Here's ours

2018 annual figures. 2 adults - MCOL city. No mortgage or car payments. $188.1K - W2 wages $18.6K - Income tax $7.0K - International travel $5.3K - HOA / Property taxes / insurance $4.0K - Car insurance / registration / repair / gasoline (2 cars) $3.3K - Food (groceries, beverages, eating out) $2.6...
by iamblessed
Thu Oct 10, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 32132

Re: Anyone want to share their monthly budget? Here's ours

2018 annual figures. 2 adults - MCOL city. No mortgage or car payments. $188.1K - W2 wages $18.6K - Income tax $7.0K - International travel $5.3K - HOA / Property taxes / insurance $4.0K - Car insurance / registration / repair / gasoline (2 cars) $3.3K - Food (groceries, beverages, eating out) $2.6...
by iamblessed
Thu Oct 10, 2019 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 32132

Re: Anyone want to share their monthly budget? Here's ours

2018 annual figures. 2 adults - MCOL city. No mortgage or car payments. $188.1K - W2 wages $18.6K - Income tax $7.0K - International travel $5.3K - HOA / Property taxes / insurance $4.0K - Car insurance / registration / repair / gasoline (2 cars) $3.3K - Food (groceries, beverages, eating out) $2.6...
by iamblessed
Wed Oct 09, 2019 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 32132

Re: Anyone want to share their monthly budget? Here's ours

This month for two
credit card 640
house taxes/insurance 316
utilities 300
health care 100
state taxes 150
charity 100

Total 1606
by iamblessed
Mon Oct 07, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Question on a concrete driveway
Replies: 15
Views: 1636

Re: Question on a concrete driveway

I will only be driving over it not parking on it.
by iamblessed
Mon Oct 07, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: Question on a concrete driveway
Replies: 15
Views: 1636

Re: Question on a concrete driveway

It is a mid-size front wheel drive car. I am guessing no more than 2000 lb on that wheel.
by iamblessed
Mon Oct 07, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Question on a concrete driveway
Replies: 15
Views: 1636

Question on a concrete driveway

Adding a one foot wide by nine feet long section to my driveway. Do I need rebar? The weight of one front tire will be on it.
by iamblessed
Fri Oct 04, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 7995

Re: Daddy I'm engaged! Pre-nup?

I would not worry about it. You both have a lot of years to cover. In 20 years they may have more than 1.3 million. In today's world a million is not a lot. That would keep the average family afloat for about 19 years. Now you divide that by two.
by iamblessed
Thu Oct 03, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Will or trust question
Replies: 18
Views: 1605

Re: Will or trust question

Does this change if it is blood brothers same family?
by iamblessed
Wed Oct 02, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Will or trust question
Replies: 18
Views: 1605

Will or trust question

Can you contest a will or trust if you think its done unfairly even though you did receive a small portion? Could I be proven wrong and only get the amount said in the will or trust?
by iamblessed
Tue Oct 01, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2506

Re: AA batteries (in a blood pressure monitor for example)

My local battery expert has recommended: 1) Duracell last the longest and leak the least. 2) Energizer - they leak. 3) Best value is Kirkland (Costco). (I have personally found that these leak almost as much as Energizers. Still, the price is good.) My own experience says that Eneloop rechargeables...
by iamblessed
Sun Sep 29, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity rewards Visa, affiliate data sharing.
Replies: 11
Views: 1509

Re: Fidelity rewards Visa, affiliate data sharing.

arf30 wrote:
Sat Sep 28, 2019 6:02 pm
drawpoker wrote:
Sat Sep 28, 2019 5:42 pm
My conclusion: Fidelity had to have been feeding the balances in my IRA accounts to Elan, or whatever bank you say, is behind their Visa card.
Everyone gets at least a 25k limit on the Fidelity card, I got it before I had any balance with them.
I wish.
by iamblessed
Fri Sep 27, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: From what I understand I don't have to call the ACA each year if I stay with the same plan. Is that right?
Replies: 4
Views: 723

Re: From what I understand I don't have to call the ACA each year if I stay with the same plan. Is that right?

You can let your plan rollover to the next year. This is not usually a good plan without at least a review. Plans and networks do change from year to year. And if you qualify for a premium tax credit, you are only eligible for that next year if you re-enroll through healthcare.gov or a state site. ...
by iamblessed
Thu Sep 26, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: From what I understand I don't have to call the ACA each year if I stay with the same plan. Is that right?
Replies: 4
Views: 723

From what I understand I don't have to call the ACA each year if I stay with the same plan. Is that right?

I have been calling each year but from what I understand that is not required on the phone or computer. That is if I stay with the same plan.
by iamblessed
Thu Sep 26, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Where do you buy parts for DIY Auto repairs
Replies: 46
Views: 3448

Re: Where do you buy parts for DIY Auto repairs

Rock auto shipping seems high. I looked up 10 bulbs(small ones) $1.20 sounds good but the shipping is $8
by iamblessed
Wed Sep 25, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: How does a bank make money off you? How to ensure they don't
Replies: 69
Views: 8161

Re: How does a bank make money off you? How to ensure they don't

I think they all make money off you. A credit union is the best option. I think they make less than a bank off you.
by iamblessed
Sat Sep 21, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 19
Views: 1630

Re: Need new Refrigerator

RickBoglehead wrote:
Sat Sep 21, 2019 8:54 pm
For those that self repair, a board replacement is easy.
+1 If the board it high priced new a lot times they can be bought used on ebay cheap.
by iamblessed
Sat Sep 21, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 9951

Re: Retirement - Living in Colorado

Just entered retirement recently and have been reading about good cities to live in. Colorado Springs was one of the cities named and it looks like a nice place to live. Does anyone have first hand experience living in Colorado Springs or any other city in Colorado? Currently living in Minnesota an...