Search found 1065 matches

by TheOscarGuy
Sat May 23, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you change passwords on your investment accounts?
Replies: 35
Views: 1880

Re: How often do you change passwords on your investment accounts?

I imported my 1099 into TurboTax and had to provide my username and password. Afterwards I changed my password and then realized I probably don't cycle through new passwords as much as I should. :oops: :shock: How often do you change the passwords on your investing accounts? Thanks! Quite often :=)...
by TheOscarGuy
Sat May 23, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne Venture would not forgive annual fee
Replies: 32
Views: 1802

Re: CapitalOne Venture would not forgive annual fee

This week was my one year anniversary of opening a CapitalOne Venture card. Annual fee ($95) was waived in the first year per agreement. Now that I'm on to my 2nd year, a $95 charge showed up in my account, as expected. I pay annual fees for other cards and do not mind doing so. I opened Venture an...
by TheOscarGuy
Thu May 14, 2020 6:00 am
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10744

Re: Dentist charges $10 for PPE

I just had a cleaning/exam visit with my dentist. I have insurance and the bill for my cleanings generally does not have a co-pay. However, this time she charged me $10 to pay for their PPE. I really like this dentist and have never had a problem with her before, so I just paid it and left. Shouldn...
by TheOscarGuy
Thu May 14, 2020 5:57 am
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5083

Re: Where do you back up your important data?

I've been thinking about how best to back up our important documents. Right now I'm using an external hard drive and USB stick to back up photos, music, tax returns, bank statements, wills, spreadsheets and word documents. That's working fine, but I'm thinking it might be a good idea to have at lea...
by TheOscarGuy
Mon May 11, 2020 6:02 am
Forum: Personal Finance (Not Investing)
Topic: post covid 19 office work - was coronavirus a game changer for telecommunting?
Replies: 48
Views: 3651

Re: post covid 19 office work - was coronavirus a game changer for telecommunting?

I have been working from home second month now, and i am enjoying all the benefits of working from home. From what i understood so far, our company will keep us working from home for a long time (rest of the year), with a real possibility to make it permanent (our performance not only stayed the sa...
by TheOscarGuy
Mon May 11, 2020 5:52 am
Forum: Personal Consumer Issues
Topic: A Tsunami of Unsolicited Stupidity
Replies: 12
Views: 2973

Re: A Tsunami of Unsolicited Stupidity

Is anyone else being afflicted with what follows? Have you found any solutions? Just about two weeks ago one of my email accounts started getting daily mailings from a cluster of “investment advisory letters.” I had never heard of any of these people or products, never signed up for any of them, an...
by TheOscarGuy
Wed May 06, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Plunger reccomendation for newer toilets
Replies: 23
Views: 1277

Re: Plunger reccomendation for newer toilets

I actually joined a plumber's forum one time. :shock: The consensus was that it is never a good idea to use a plunger on a toilet. Supposedly it can damage the wax ring or force paper or other matter into the siphon. Now if I use one I'm careful to be very gentle. Use a snake instead of a plunger. ...
by TheOscarGuy
Wed May 06, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4405

Re: 2020 travel plans

What is everyone doing with their travel plans for the rest of the year? We have several trips planned (some paid for) and I'm not sure what to do about them. Niagara Falls/Pennsylvania in mid June - all reservations made and paid for Wedding in Wisconsin in July Orlando in November We live in NC a...
by TheOscarGuy
Sat May 02, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4656

Re: Front load washing machine recommendations

camillus wrote:
Fri May 01, 2020 8:37 pm
Here at bogleheads we recommend staying away from front loads and stick with something with low fees.
I see what you did there :D
by TheOscarGuy
Wed Apr 29, 2020 5:17 am
Forum: Investing - Theory, News & General
Topic: Is this true, "You should never pay a premium for a good stock."
Replies: 23
Views: 1289

Re: Is this true, "You should never pay a premium for a good stock."

tvubpwcisla wrote:
Tue Apr 28, 2020 3:19 pm
Is it okay to pay a premium for stock in a good company or it is best to wait for the price come down before investing?

:confused
Its hard to say. In an index fun there are a bunch of stocks. I am not sure if I am paying premium or not, and if so, how much. :D
by TheOscarGuy
Sun Apr 26, 2020 4:51 am
Forum: Personal Consumer Issues
Topic: [Anyone found] amazing shopping deals now?
Replies: 30
Views: 3913

Re: Amazing shopping deals now

I just looked for an item we're running low on (dishwasher detergent). The item (75 oz) at Walmart's website was $2 and change. The same item, except smaller (48 oz) at Amazon was $12. Be careful out there folks. I agree, Amazon has taken a lot of advantage during these times and the same rules app...
by TheOscarGuy
Fri Apr 24, 2020 6:40 am
Forum: Investing - Theory, News & General
Topic: [Jim Cramer] "Stop Buying Index Funds"
Replies: 37
Views: 6029

Re: [Jim Cramer] "Stop Buying Index Funds"

This guys says this is a losing strategy? Thoughts? Will be interesting to come back 5 years from now and see if his advice panned out. There's a certain logic to what he is saying, part of me feels like. I am going to go out on a limb here and say that most responses to you will be this is all noi...
by TheOscarGuy
Thu Apr 23, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9605

Re: Best Covid19 resistant job

willthrill81 wrote:
Wed Apr 22, 2020 10:21 pm
I have a nephew who works for the USPS. His job is probably about as secure as they come.
Aren't they in a lot of financial trouble, since last decade or so?
by TheOscarGuy
Wed Apr 22, 2020 7:47 pm
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2319

Re: House Cleaning and Covid

So, we live in Georgia, and will definitely not be going bowling, getting tats, going to the theater, getting haircuts and/or massages and/or mani/pedis, or going to the gym this weekend. That said, I am wondering about starting with our house cleaners again. I was thinking that if they used masks,...
by TheOscarGuy
Wed Apr 22, 2020 9:22 am
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 78
Views: 6806

Re: For those concerned about International Stocks...

For those concerned about the recent poor performance of International Stocks vs US Stocks, I would direct you to this figure from The Bogleheads’ Guide to Investing (2nd Edition.) I refer to this chapter when I have any doubts about my international allocation: https://i.postimg.cc/Wzs752GS/CC6665...
by TheOscarGuy
Wed Apr 22, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4143

Re: Replacement for 4Runner

First thing that blew us away was how cramped the 4Runner was for headroom. I'm 5'8 and my wife is 5'5 but with a long torso so sitting she's closer to 5'8. Both of our heads were an inch or two from the ceiling with the seat more or less straight up. She could lower the driver's seat a bit, but no...
by TheOscarGuy
Tue Apr 21, 2020 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Need Term Life Insurance: Not Sure How to Proceed
Replies: 10
Views: 608

Re: Need Term Life Insurance: Not Sure How to Proceed

Hi Bogleheads, I know that my DH and I need to obtain term life insurance, but this is totally new territory for us and we don’t feel confident navigating this. Looking for advice on: 1. where to go to get quotes term4sale is where I got mine. Either that, or find out insurance agents (my state had...
by TheOscarGuy
Tue Apr 21, 2020 5:35 am
Forum: Personal Consumer Issues
Topic: Anybody here pay less than $40 a month for home internet and with what company?
Replies: 62
Views: 4236

Re: Anybody here pay less than $40 a month for home internet and with what company?

iamblessed wrote:
Mon Apr 20, 2020 9:37 pm
Home internet under $40?
comcast. When the introductory price goes away in a year or two, I call verizon FIOS and get it (I think its $39.99).
by TheOscarGuy
Fri Apr 17, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8227

Re: Frugal quarantine habits to keep

Like it or not, the pandemic and quarantine have forced frugal habits on all of us. According to the National Bureau of Economic Research , overall consumer spending is down over 50%. On the bright side, some of these frugal habits will be worth keeping after returning to business as usual. The big...
by TheOscarGuy
Thu Apr 16, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1461
Views: 134859

Re: Refinance Mega Thread

That's what I did. System botched my application, painfully slow response from my loan guy. Northepointe is painfully slow as well. Cant even get a LE. Northpointe came back with a 3.25% 30 year, and 2.375% for 15 year. First one has a credit associated with it. I am just worried whether they will ...
by TheOscarGuy
Wed Apr 15, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: DIY Car Maintenance - Anyone grease the chassis?
Replies: 25
Views: 1318

Re: DIY Car Maintenance - Anyone grease the chassis?

I'm doing more and more DIY car maintenance. Does anyone here periodically grease their chassis? we have honda odyssey and subaru forester. Upfront costs would be buysing grease gun and grease then figuring out (youtube) where the "zerk fittings" are and what needs to be greased. I've never done th...
by TheOscarGuy
Wed Apr 15, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10185

Re: Eating out after lock-down is lifted

We have a couple birthdays planned this summer, but not sure if eating out and drinking is going to be all that fun now. Even if restaurants are required to operate at half capacity (higher prices I would think?), it seems nerve wracking to sit and be touching tables that others were just sitting a...
by TheOscarGuy
Wed Apr 15, 2020 6:24 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55497

Re: How to get Toilet Paper ? seriously.

We were able to get some from local BJs yesterday (through instacart).
by TheOscarGuy
Wed Apr 15, 2020 6:19 am
Forum: Personal Consumer Issues
Topic: Florida HOA complaining of Weeds in Lawn
Replies: 101
Views: 8736

Re: Florida HOA complaining of Weeds in Lawn

I don't live at the house but have a lawn service to take care of the yard. I get these notices a few times a year, notify the lawn guy, and it ok's for a few months. This last time the initial notice was back in March and yesterday I got a final notice giving 14 days to correct the problem or face...
by TheOscarGuy
Mon Apr 13, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Help Fix My Lawn!
Replies: 31
Views: 2387

Re: Help Fix My Lawn!

livesoft wrote:
Mon Apr 13, 2020 1:18 pm
TheOscarGuy wrote:
Mon Apr 13, 2020 1:09 pm
Is this Florida? In my untrained eye it looks like Bermuda, ...
St Augustine. It's Texas.
Tells you I know nothing about grass species :D
by TheOscarGuy
Mon Apr 13, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Help Fix My Lawn!
Replies: 31
Views: 2387

Re: Help Fix My Lawn!

Never had a soil test ever. Here is a pic of my lawn taken a moment ago: https://i.imgur.com/A5L2DIA.jpg Note that I don't live near you and have a different species of grass. Is this Florida? In my untrained eye it looks like Bermuda, but I am not an expert. Beautiful lawn! I have used Milorganite...
by TheOscarGuy
Mon Apr 13, 2020 9:22 am
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16326

Re: What percentage of your paycheck do you invest?

simplesauce wrote:
Sun Apr 05, 2020 5:46 pm
My family puts 10% of each paycheck into our investment accounts. We are looking to increase this to 15% moving forward. How about all of you?
25-33%.
We have increased the percentage over the years and are quite comfortable where we are for now.
by TheOscarGuy
Mon Apr 13, 2020 5:33 am
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13427

Re: Safest way to get food

What do you feel is the safest way to get food? Online shopping and pick up in the parking lot with the food delivered on top of the car or delivered to your house or personal shopping in grocery stores? Hunting is still working nicely. The virus has dampened nature this spring. Have gone out to ca...
by TheOscarGuy
Sun Apr 12, 2020 5:37 am
Forum: Personal Finance (Not Investing)
Topic: How often do you login and review your investment accounts?
Replies: 68
Views: 2403

Re: How often do you login and review your investment accounts?

Daily, weekly, monthly, quarterly, yearly, other? I would like to get to monthly or quarterly; however, I still find myself checking them on a weekly basis. :D Once a few month, of market is up. I don’t Look at the numbers when market is down, even for rebalancing I don’t look at percentages/number...
by TheOscarGuy
Fri Apr 10, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20079

Re: What are you doing for haircuts due to coronavirus shutdown?

Based on comments on this thread I went ahead and bought Hatteker hair trimmer. I had a nice haircut today, and with two or so cuts I would break even!
by TheOscarGuy
Fri Apr 10, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: What Non-Finance Forums?
Replies: 19
Views: 1540

Re: What Non-Finance Forums?

What helpful, non-finance related forums do Bogleheads read and find helpful? I personally like Starting Strength (a weightlifting forum with top-notch content) and I used to really like Get Off The X (a self-defense related forum that no longer exists...I've seen you gun guys on here :wink: ). One...
by TheOscarGuy
Thu Apr 09, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 64
Views: 7087

Re: Outside of stocks, what else is a screaming good deal now?

Clever_Username wrote:
Wed Apr 08, 2020 6:46 pm
FishTaco wrote:
Wed Apr 08, 2020 6:25 pm
phxjcc wrote:
Wed Apr 08, 2020 5:43 pm
Jeep Gladiator, over produced based upon initial demand then dealer traffic stopped, big factory discounts---BEFORE the quarantine.
Yeah, but then you'd own a Jeep Gladiator.
There's always a catch on these things!
:D :D
by TheOscarGuy
Thu Apr 09, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 64
Views: 7087

Re: Outside of stocks, what else is a screaming good deal now?

clutchied wrote:
Wed Apr 08, 2020 3:16 pm
GAS... my EV is crying in the corner.
Thanks. I have not filled gas in over 3 weeks, but heard its cheap :happy I have no where to go, and no where to store large quantities of gas for later consumption.
by TheOscarGuy
Thu Apr 09, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Instacart delivery slots?
Replies: 40
Views: 2756

Re: Instacart delivery slots?

I have never used Instacart, but do I understand this correctly? Shopping online with Instacart, you don't find out what delivery slots are available until AFTER you've taken the time and trouble to select your grocery items? That's the way it looks from the tutorials I've seen. It would seem to me...
by TheOscarGuy
Thu Apr 09, 2020 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1461
Views: 134859

Re: Refinance Mega Thread

We're scheduled to close on a 15 year at 2.625% in 2 weeks. Could have been as early as Friday but our work schedules didn't allow for it. Just waiting on the loan payoff info so we can get our cash to close figure. Break-even on closing costs is 11 months compared to our current 3.5% 20 year mortg...
by TheOscarGuy
Thu Apr 09, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: Recession Model at 100% - Its here AND Germany Q2 GDP will contract 10%
Replies: 13
Views: 1279

Re: Recession Model at 100% - Its here AND Germany Q2 GDP will contract 10%

I think this will likely have similar effect to a war -- reduced economic output due to the virus/war, once the virus/war threat is over (or vaccine is readily available), economy starts expanding rapidly. All of this with caveat that a vaccine is still 12-18 months away! There are many possible is...
by TheOscarGuy
Wed Apr 08, 2020 11:54 am
Forum: Investing - Theory, News & General
Topic: Recession Model at 100% - Its here AND Germany Q2 GDP will contract 10%
Replies: 13
Views: 1279

Re: Recession Model at 100% - Its here AND Germany Q2 GDP will contract 10%

Given that US economy is driven by consumer spending, AND everyone is staying home, isn't the natural expected outcome that there will be business cycle contraction. Is this a surprise? Imponderables are for how deep and how long? Europe is net net an exporter, so slump there does not, net net, hit...
by TheOscarGuy
Wed Apr 08, 2020 11:30 am
Forum: Investing - Theory, News & General
Topic: Recession Model at 100% - Its here AND Germany Q2 GDP will contract 10%
Replies: 13
Views: 1279

Re: Recession Model at 100% - Its here AND Germany Q2 GDP will contract 10%

Given that US economy is driven by consumer spending, AND everyone is staying home, isn't the natural expected outcome that there will be business cycle contraction. Is this a surprise?
by TheOscarGuy
Wed Apr 08, 2020 5:40 am
Forum: Investing - Theory, News & General
Topic: Post-Covid19 Reallocation
Replies: 10
Views: 1190

Re: Post-Covid19 Reallocation

Changed my allocation from 70/30 (equities/bonds) to 95/5 pretty early when things went down. When to set this back? Maybe, when bonds back to 2% yield? Why are you changing your asset allocation now? If it calls for 70 / 30 based on your comfort level, perhaps age, why change it now? IIRC the wiki...
by TheOscarGuy
Tue Apr 07, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Instacart delivery slots?
Replies: 40
Views: 2756

Re: Instacart delivery slots?

I have never used Instacart, but do I understand this correctly? Shopping online with Instacart, you don't find out what delivery slots are available until AFTER you've taken the time and trouble to select your grocery items? That's the way it looks from the tutorials I've seen. It would seem to me...
by TheOscarGuy
Sat Apr 04, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20079

Re: What are you doing for haircuts due to coronavirus shutdown?

RudyS wrote:
Sat Apr 04, 2020 4:45 pm
About Wahl clipper availability - lots available on eBay. Many brand new.
Thanks, will check it out.
by TheOscarGuy
Sat Apr 04, 2020 5:29 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20079

Re: What are you doing for haircuts due to coronavirus shutdown?

Same as I've been doing for many years. #3 guard (3/8") all around with Made In USA Wahl clippers. Sounds like we've got quite a few on the same page here. There are a bunch of wahl clippers online, can you please tell me which ones you used? Something like this, perhaps?: https://www.amazon.com/Wa...
by TheOscarGuy
Thu Apr 02, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13427

Re: Safest way to get food

how are gloves going to protect you? the virus just gets on the gloves and then on whatever you touch. why not just wash your hands afterwards, or use wipes? or bring a container of warm water with soap and just wash your hands in the parking lot afterwards. Gloves at grocery + quarantine the food ...
by TheOscarGuy
Thu Apr 02, 2020 9:40 am
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7343

Re: Anyone here depressed just looking at their portfolio?

kareysue wrote:
Wed Apr 01, 2020 9:04 pm
My portfolio everyday when logging into vanguard is just red and red. Seems depressing just looking at it. How are you guys coping (for people who lost money) in the market now?
I wouldn't know. I dont look when markets are down :happy
by TheOscarGuy
Thu Apr 02, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13427

Re: Safest way to get food

pablolo wrote:
Wed Apr 01, 2020 6:45 pm
I ordered online of meal from Olive garden free paid with my credit card online and then went to curbside and had them deliver the food on top of my car with the window up I felt safe
It must have been difficult to drive back, with food on top of your car :D
by TheOscarGuy
Thu Apr 02, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 599
Views: 31370

Re: What are you listening to now

classic rock on amazon music.
by TheOscarGuy
Mon Mar 30, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55497

Re: How to get Toilet Paper ? seriously.

livesoft wrote:
Mon Mar 30, 2020 6:42 am
TheOscarGuy wrote:
Mon Mar 30, 2020 6:29 am
I can't remember ever having shelves empty due to panic buying when I was in South.
I have to presume that you have never experienced a hurricane in real life then. Or you don't buy beer.
No I haven't, thank god! Experienced hurricane I mean. I buy beer all the time :D
by TheOscarGuy
Mon Mar 30, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 87
Views: 35892

Re: Convince me to choose a Suburban over a Sequoia

:D There should be a 'staleness' visual for each thread, when people revive an old thread. There is. On the home page there is a red “ 2014 ” in the first post column. I know but there are so many long running threads that I almost never look at the date :happy But you are right, that is an indicat...
by TheOscarGuy
Mon Mar 30, 2020 6:29 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55497

Re: How to get Toilet Paper ? seriously.

Deep South here...all the TP you need...Stores have it... Summit I have wondered if its a Northeast thing. I lived in South for a bit and someone once told me that buying milk eggs etc. before a snow storm or whatever was commonplace in Northeast. Not sure if there is any truth to that. I can't rem...
by TheOscarGuy
Mon Mar 30, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 87
Views: 35892

Re: Convince me to choose a Suburban over a Sequoia

We're finally making the move the spot where we've been vacationing for years in Montana, and with a family of 6 and 2 dogs, transportation is a challenge. We do lots of camping, skiing, and backpacking, and frankly, the Highlander isn't doing it, anymore, as there is essentially zero room in the b...