Search found 2579 matches

by Doom&Gloom
Sat Apr 20, 2019 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for College Freshman
Replies: 46
Views: 1650

Re: Best Credit Card for College Freshman

I would keep doing what you have been doing--at least for the first two years of college. We did that for DS--worked quite well.
by Doom&Gloom
Fri Apr 19, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 796
Views: 77016

Re: What frugal thing did you do today?

Had a storm come through last night that knocked our power out for over four hours. Today it was out for ~15 minutes--presumably the power company was repairing a line that was damaged last night. Oodles of savings in electricity costs!!!
by Doom&Gloom
Fri Apr 19, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 2944

Re: At what point would you hire someone vs. cut down a tree yourself?

How much would it cost to hire someone to chop those trees? I don't know if they are dangerous, unless they are near your house or structures that could be fallen on.. Not sure, haven't gotten any estimates. I'm guessing 400-500 for the smaller tree and have heard it can be quite expensive (1500+) ...
by Doom&Gloom
Fri Apr 19, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 2944

Re: At what point would you hire someone vs. cut down a tree yourself?

Get an estimate. Depends upon where you live and how much trouble they have getting to it and taking it down. Cost around here would probably be $300 or less for both of those if easily accessible. LCOL area with lots of guys doing this kind of work though. If you aren't comfortable with it at all (...
by Doom&Gloom
Fri Apr 19, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 21
Views: 1420

Re: Is it worth renting a car in Vegas?

It depends entirely upon where you want to go and how often you want to travel a significant distance from your hotel. Sometimes renting a car in LV is far more trouble than its worth.
by Doom&Gloom
Fri Apr 19, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 2860

Re: Buying a bed

Check this out: https://bestmattressonline.org/top10.html I wouldn't trust any site like this. There are no reputable mattress reviews online. Previous threads have discussed the schemes that these companies use to drive sales via sham reviews and kickbacks to the reviewers. So you'd rather trust s...
by Doom&Gloom
Thu Apr 18, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 154
Views: 13089

Re: In Laws Retirement Nest Egg

This is a very good question. There are a number of post with headings like "How much is enough?" The following is an interesting thread on the FI number. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=207067 Right, and I've seen a lot of those threads. I have to think, someone who felt THEY...
by Doom&Gloom
Wed Apr 17, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Question on compromised credit cards
Replies: 20
Views: 1126

Re: Question on compromised credit cards

As others have said, simply deal with the annoyance and let the issuer of the cards worry about the theft of the card number and the financial hit.
by Doom&Gloom
Tue Apr 16, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 164094

Re: Boglehead Beer

There is no boglehead beer because bogleheads believe in a three ingredient approach. Now if you are Rick Ferri with a core four approach, you may be able to answer this question because beer has 4 main components. Grain, hops, yeast, and water. Perhaps this is a question for Rick. Me personally, I...
by Doom&Gloom
Tue Apr 16, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 100
Views: 5355

Re: What Are Your Simple Pleasures?

Coffee.
Grilling something for dinner.
A glass or two of red wine. Sometimes a beer or two instead.
Brand new (to us) rescue dog.

I'm not sure yet that the last one will qualify as a simple pleasure :happy
by Doom&Gloom
Mon Apr 15, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card to pay for cell phone bills online?
Replies: 21
Views: 1270

Re: Best credit card to pay for cell phone bills online?

US Bank Cash+
5% cash-back for cell phones. Must re-select that category quarterly. And it is certainly subject to change in the future.

One of the few good uses left for what was once an excellent cash-back card.
by Doom&Gloom
Mon Apr 15, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Providing Advice to In-Laws
Replies: 12
Views: 969

Re: Providing Advice to In-Laws

As Ann Landers would say: MYOB.
by Doom&Gloom
Mon Apr 15, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 84
Views: 5432

Re: After financial independence, do you play credit card bonus games?

Not aggressively or obsessively, but yes. A buck's still a buck.
by Doom&Gloom
Sat Apr 13, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4143

Re: How to avoid throwing money at problems?

What worked for me was working less than 60 hr/wk, accepting less income, squirreling away less for the future, and enjoying life while I was passing through.

YMMV. Good luck figuring it out before it gets even worse.
by Doom&Gloom
Sat Apr 13, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Remote control solution for my parents.
Replies: 38
Views: 2286

Re: Remote control solution for my parents.

Harmony remotes are great, but they are different from other remotes. For older (not even elderly) users, there is a learning process to go through with them. Spend some time initially with the users teaching them how to use it--particularly the "Help" function. I currently have three different Harm...
by Doom&Gloom
Wed Apr 10, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6187

Re: How Much Do You Pay For Haircut?

DW and I have been getting ours cut together for several years now. Total for both is nearly always $30-40. Plus a $5-10 tip depending upon my mood and my perception of value received on that particular visit.
by Doom&Gloom
Tue Apr 09, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans Question - Co-signer
Replies: 15
Views: 558

Re: Student Loans Question - Co-signer

mabye she's looking to get private loans? The problem with co-signing is that (as has been said) her parents would be responsible for the loans if she stops paying. The problem is they usually won't find out until after some point at which she's stopped paying. In the meantime, her non-payments wil...
by Doom&Gloom
Mon Apr 08, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 41
Views: 4881

Re: IRS 2% bounched check fee!!

Stiff penalty, but I don't see the gotcha. So ??? For me, the gotcha is that this is the first time I have encountered a bounced check fee that is a percentage of the amount instead of a fixed rate. At 2%, the fee gets big quickly. I see. I guess I just always assume that the IRS is going to hammer...
by Doom&Gloom
Mon Apr 08, 2019 4:59 pm
Forum: Personal Investments
Topic: Minutiae is in the eye of the beholder-Help, something's in my eye!
Replies: 29
Views: 2053

Re: Minutiae is in the eye of the beholder-Help, something's in my eye!

Some battles are won by not fighting them. I think this may be one of those.

If I were in those shoes, I would have my ducks in a row and readily accessible in case DW ever asked for advice. Otherwise, I would focus on other things.
by Doom&Gloom
Mon Apr 08, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Solution for a thick wallet
Replies: 58
Views: 4909

Re: Solution for a thick wallet

I carry a bunch of credit cards and a number of gift cards and would like a way to eliminate them. More expensive phones offer NFC which supports Apple Pay, etc, but my phone does not. I'd have to buy a new phone for around $300 to make this happen. Some smart watches offer pay and at least one (Ga...
by Doom&Gloom
Sun Apr 07, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 41
Views: 4881

Re: IRS 2% bounched check fee!!

Stiff penalty, but I don't see the gotcha.

So ???
by Doom&Gloom
Sun Apr 07, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 105
Views: 6511

Re: fun car advice

Porsche--various Nissan--GTR or 370Z yee haa!!!!!!!! 370z, even the Nismo, doesn't really belong in this thread. Really? I am looking for a fun to drive roadster or coupe and hoping to get some advice. Here is the criteria I am willing to spend up to $50k give or take a bit for a car that will not ...
by Doom&Gloom
Sun Apr 07, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to get cash quickly
Replies: 102
Views: 5858

Re: How to get cash quickly

I learned a lot from this discussion! THANK YOU!! My question: For your home stash of cash, where do you keep it within your residence? Let me guess, diversified, multiple places? Do you carry in your wallet a certain minimum, in the event of being away from home or displaced due to weather hazard,...
by Doom&Gloom
Sun Apr 07, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 2846

Re: Eye glasses - cheaper alternates

If you're young I would highly suggest LASIK. I got LASIK in December, $3880 out of pocket with a $1k coupon from my eye care provider. It has been the best thing I have ever done. It was painless and I saw things for the first time I never saw with glasses. Im a little light sensitive yet but I lo...
by Doom&Gloom
Sun Apr 07, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 105
Views: 6511

Re: fun car advice

Porsche--various
Nissan--GTR or 370Z

yee haa!!!!!!!!
by Doom&Gloom
Sun Apr 07, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Self-Insurers: How are you planning and investing for old age care?
Replies: 47
Views: 2858

Re: Long Term Care Self-Insurers: How are you planning and investing for old age care?

No specific funds earmarked for LTC. If our retirement financial planning doesn't have this covered, we're up a creek. With any luck at all, I'll be oblivious if and when the last dime is spent. And by not taking the Folks in their 60s and above. What early investment on health do you recommend thre...
by Doom&Gloom
Sat Apr 06, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 2846

Re: Eye glasses - cheaper alternates

If you're young I would highly suggest LASIK. I got LASIK in December, $3880 out of pocket with a $1k coupon from my eye care provider. It has been the best thing I have ever done. It was painless and I saw things for the first time I never saw with glasses. Im a little light sensitive yet but I lo...
by Doom&Gloom
Sat Apr 06, 2019 12:56 pm
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 92
Views: 6269

Re: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?

If I’m gonna gamble, I’d rather play poker. Now shuffle up and deal... Came here to essentially say this. I make it a point not to confuse my "funny money" and my savings/investments, blurring the lines between my gambling and my investments is problematic. +1 To paraphrase Wiggums: If I'm gonna ga...
by Doom&Gloom
Fri Apr 05, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8098

Re: Married couples: can you have a team mentality with separate finances?

I admit not having read the complete OP or the responses of this well-worn controversy here, but to answer the question posed in the title of the OP:

You cannot have a team mentality with any arrangement of finances if both partners aren't in total agreement about the arrangement.
by Doom&Gloom
Thu Apr 04, 2019 3:48 pm
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6679

Re: FIDO Zero Funds losing to Vanguard?

Can we please but a ban on all threads about the performance and superiority/inferiority of Fidelity Zero funds until 2023? Trying to draw any such conclusion from such a limited data set is ridiculous and not actionable. Agree and disagree. Drawing conclusions is premature. However, investors cons...
by Doom&Gloom
Thu Apr 04, 2019 2:13 pm
Forum: Personal Investments
Topic: Advice for son begining to invest
Replies: 33
Views: 1614

Re: Advice for son begining to invest

First a little background. My son is late 20s, still living at home, has a steady girlfriend, and a full time job with some benefits. His 401K does not provide for an employer match. He is debt free, has a small EF, but does not budget well and is not investing. His job only pays about $27K/yr. I s...
by Doom&Gloom
Wed Apr 03, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: Help me plan 3 days in Vancouver
Replies: 15
Views: 1140

Re: Help me plan 3 days in Vancouver

I recommend taking the hop-on hop-off bus around the city (assuming it is still going) your first full day in town to figure out if there are parts of the city other than Stanley Park that you want to spend more time in. We were in Vancouver for a couple of days each before and after an Alaskan Crui...
by Doom&Gloom
Tue Apr 02, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2172

Re: Windows 10 security software

nordsteve wrote:
Tue Apr 02, 2019 9:47 pm
I've only used Defender for the last several years. No issues here.
+1
by Doom&Gloom
Tue Apr 02, 2019 8:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website - News & Blog
Replies: 9
Views: 1170

Re: Vanguard website - News & Blog

There is a news & blog section? I guess that is all those links to articles I have never clicked on?
by Doom&Gloom
Tue Apr 02, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 118
Views: 4460

Re: Scam alert - USPS new feature playing a role

I do not have informed delivery, but I did get a "confirmation" letter for someone else trying to sign up to get informed delivery for my address. I blocked that, but was told by USPS that anyone anywhere can sign up for informed delivery, up to 5 per address, and that the postal service can lock y...
by Doom&Gloom
Tue Apr 02, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 118
Views: 4460

Re: Scam alert - USPS new feature playing a role

I am skeptical of this avenue as well. Upon checking, I do have an online account set up with USPS with a Username and a Password (much more complex than a typical 4-digit PIN). I do not remember which service of USPS require me to set this up. The services that may have are: Mail hold, Informed Del...
by Doom&Gloom
Tue Apr 02, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Finish backyard before selling?
Replies: 25
Views: 1994

Re: Finish backyard before selling?

If it did not concern me enough to take care of it while I lived there, I would be reluctant to fix it prior to selling unless I knew that it was necessary to get a decent price. Talk to your realtor, get some estimates, etc and make the most informed decision that you can.
by Doom&Gloom
Tue Apr 02, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12401

Re: Folks in their 60s and above. What early investment on health do you recommend.

While I have always tried to be an educated and informed patient and user of medical services, about eight years ago, I became even more informed and follow, to the best of my capability, my healthcare. It has become much easier as well, due to my seeing my medical history (including lab test resul...
by Doom&Gloom
Mon Apr 01, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to get cash quickly
Replies: 102
Views: 5858

Re: How to get cash quickly

Thread title should have been "How to get cash quickly, cheaply, and conveniently"

Doesn't help OP currently, but I'm a big fan of keeping some cash at home.
by Doom&Gloom
Sun Mar 31, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 149
Views: 9664

Re: Vanguard - Will they ever upgrade their site?

I have accounts at Vanguard, Fidelity, and Schwab. I have issues with all of their websites. All frustrate me at times, but I can eventually reach my destination. I figure all will improve but not as rapidly as I want. I have bigger problems in my life than the pace of these developers. If I were ex...
by Doom&Gloom
Sun Mar 31, 2019 2:29 pm
Forum: Personal Investments
Topic: How often do you check your accounts?
Replies: 53
Views: 2936

Re: How often do you check your accounts?

I generally check the total balance daily but usually only look at the change from the previous day. I have found that sustained periods of high volatility desensitize me to big gains and losses. I would hesitate to suggest that others try that method, but it works for me.
by Doom&Gloom
Sun Mar 31, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Lifelock
Replies: 15
Views: 912

Re: Lifelock

Laughlock
by Doom&Gloom
Sat Mar 30, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Boglehead Approach to Home Tech? Looking for Home Security Cameras
Replies: 19
Views: 1440

Re: Boglehead Approach to Home Tech? Looking for Home Security Cameras

Do you live in an area that really requires them? I sort of thought we needed them when we moved into our home about 15 years ago but never ended up getting any. Here we are 15 years later and we've never really had any situation that would have warranted them. For now, it turns out they would have...
by Doom&Gloom
Fri Mar 29, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: How much is a parking ticket where you live?
Replies: 23
Views: 1043

Re: How much is a parking ticket where you live?

$10. The main reason for parking fines downtown, which i adjacent to the University, is to try to prevent student parking there. I worked at a university, and their parking fines started at $75 with each subsequent fine in a 3 year window doubling. I swear they did it to generate revenue as they ha...
by Doom&Gloom
Fri Mar 29, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Want to see a concert! Ideas?
Replies: 50
Views: 2443

Re: Want to see a concert! Ideas?

Back on December 23, Capital One Arena hosted the Trans Siberian Orchestra. I suggest you keep an eye out this coming Christmas season to see if they return. They put on an immensely spectacular show. +1 on TSO. Fantastic! And in keeping with the BH tradition of recommending something you didn't as...
by Doom&Gloom
Fri Mar 29, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 13977

Re: How often do you check your net worth?

I'm intrigued by the people that "don't care about net worth at all". Just seems odd within the Boglehead community. Would love to hear more if anyone wants to share. I'm probably one of those you would place in that category even though I posted that I don't check it or measure it because I wouldn...
by Doom&Gloom
Fri Mar 29, 2019 12:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1843253

Re: U.S. stocks in free fall

For all the noise on here, people "going to cash", and the consternation in the last quarter last year, it's worth pointing out that we are getting ready to close the best quarter since Q3 2009, and the best Q1 since 1998. Of course, that doesn't mean anything at all about the future. What it does ...
by Doom&Gloom
Fri Mar 29, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 13977

Re: How often do you check your net worth?

Smoke wrote:
Fri Mar 29, 2019 9:31 am
Never, it is what it is.
+1

Seems like an awful lot of effort to derive a number that I can think of no practical application for me to use it.
by Doom&Gloom
Wed Mar 27, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?
Replies: 76
Views: 3842

Re: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?

I don't talk to friends about money, religion, or politics. I'm probably in a minority these days and may be old fashioned but it continues to serve me well. If people want to talk incessantly about these topics I'll spend more time somewhere else. +1 DW's best friend is similar to OP's friend. DW ...
by Doom&Gloom
Wed Mar 27, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 796
Views: 77016

Re: What frugal thing did you do today?

Am getting my spouse’s cremated remains back today. After sending his body to the crematorium, I was solicited to donate it for research. I am extremely interested in the effort to find a cure for Alzheimer’s, and although he did not have Alzheimer’s, he did have a neurological disorder. So, I was ...