Search found 2953 matches

by Doom&Gloom
Sat Nov 09, 2019 11:09 am
Forum: Personal Investments
Topic: Vanguard asking for personal financial information
Replies: 16
Views: 1599

Re: Vanguard asking for personal financial information

When answering such questions, how does one define "income"? Is it taxable income? What about tax free income? What about growth in a taxable account? In a TIRA? In Roth IRA? What I do: "Ballpark" any source I choose. Sometimes it may even be the ballpark in the next town. Don't ask for clarificati...
by Doom&Gloom
Tue Nov 05, 2019 7:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 81
Views: 9111

Re: Vanguard brokerage account transition

Something may have gone wrong when my husband's IRA rollover was transitioned last August. He had already paid his RMD for 2019 in May before his account was transitioned. Now, Vanguard is saying that we still need to take a RMD of the same amount as we took in May 2019. A copy of his RMD withdrawa...
by Doom&Gloom
Tue Nov 05, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 544
Views: 72193

Re: Flaunt Your High-Mileage Car

anthonyphamy wrote:
Tue Nov 05, 2019 12:16 pm
2004 toyota solara 160k miles
Slacker :wink:

From 11/1/19 upthread:
Doom&Gloom wrote:
Fri Nov 01, 2019 1:25 pm
2004 Toyota Solara with 275,380 miles left the house this week after being donated.
I'll venture that your Solara is in better condition than mine is/was. Durable and reliable car though!
by Doom&Gloom
Fri Nov 01, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 544
Views: 72193

Re: Flaunt Your High-Mileage Car

Thanks for your contribution.
by Doom&Gloom
Fri Nov 01, 2019 4:14 pm
Forum: Personal Investments
Topic: Roth IRA question
Replies: 15
Views: 999

Re: Roth IRA question

Agree with the consensus above. That Target fund is fine. Just keep grinding.

Good luck!
by Doom&Gloom
Fri Nov 01, 2019 4:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1878
Views: 195231

Re: U.S. stocks continue to soar!

*deep breath* Do you smell that? I love the smell of the soaring S&P 500 index in the morning...it smells like freedom. I thought freedom was just another word for nothing left to lose? :confused I notice my VXUS, foreign stock, is soaring higher than VTI, US stock, of late. The dollar is falling a...
by Doom&Gloom
Fri Nov 01, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 544
Views: 72193

Re: Flaunt Your High-Mileage Car

Updating this part of my previous post from Dec 2015 itt: 2004 Toyota Solara--204,000 miles. Bought new. Was mine but passed down to college student DS 18 months ago. No major problems and surprisingly few minor issues. DS is still driving this thing hard. Was in the shop today to replace a leaking...
by Doom&Gloom
Thu Oct 31, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Credit Card Fraud Question:
Replies: 16
Views: 1337

Re: Credit Card Fraud Question:

Nowizard wrote:
Thu Oct 31, 2019 6:18 pm
Excellent idea about getting alerts when the card is used. How is this done, generally, or with Chase Freedom, specifically?
Tim
Go to Chase Freedom online account, then:

Things You Can Do > Update Settings and Preferences > Account Alerts > Choose Alerts
by Doom&Gloom
Thu Oct 31, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Credit Card Fraud Question:
Replies: 16
Views: 1337

Re: Credit Card Fraud Question:

The card has been cancelled, and a new one will be sent today, so no new charges will occur on the card or through any Paypal charges that might be linked to that card. The other issue I did not know about was that you can use Paypal as a guest. I will call them anyway (If I can negotiate their aut...
by Doom&Gloom
Thu Oct 31, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: paying foreign medical bill - after the fact:( back from vacation
Replies: 30
Views: 2991

Re: paying foreign medical bill - after the fact:( back from vacation

Is there a rationale for not paying it other than you might be able to get away with it?

If not, follow the advice above: pay it, deal with your insurance carriers, and move on.
And be grateful that you were able to obtain medical treatment when you needed it.
by Doom&Gloom
Wed Oct 30, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3020

Re: Unnecessary blood tests

climber2020 wrote:
Wed Oct 30, 2019 10:09 am
Go to a different doctor.
+1

Easier to change doctors than it is to change your doctor.
by Doom&Gloom
Mon Oct 28, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help Dad do estate planning math and make adjustments
Replies: 45
Views: 2591

Re: Help Dad do estate planning math and make adjustments

OP, this situation sounds eerily similar to DW's. She is one of three children with a now elderly mother who, over the years, made multiple large gifts to one of her children but only a couple gifts of lesser value to the other two. In MIL's case one "child" pushed her hard for frequent gifts while ...
by Doom&Gloom
Sun Oct 27, 2019 9:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1878
Views: 195231

Re: U.S. stocks continue to soar!

whodidntante wrote:
Sun Oct 27, 2019 9:01 pm
oldzey wrote:
Fri Oct 25, 2019 11:04 am
Continue to soar, U.S. stocks!
[large image squelched]

What would be the appropriate bird, spacecraft, or aircraft for international stocks soaring, should that ever happen?
Hot air balloon in the Alps would definitely be my image. Not sure what design the balloon should have though.
by Doom&Gloom
Sun Oct 27, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 66
Views: 4233

Re: First Republic Bank doesn’t have physical coins

ftw? Am I the only one who does not know what that means? The proliferation of acronyms is off-putting. :-? ftw = "for the win" What does “for the win mean”? https://en.wiktionary.org/wiki/for_the_win So I have to do research to figure out what you are trying to communicate? Your choice. Do or don'...
by Doom&Gloom
Sun Oct 27, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 66
Views: 4233

Re: First Republic Bank doesn’t have physical coins

littlebird wrote:
Sun Oct 27, 2019 10:29 am
Whakamole wrote:
Fri Oct 25, 2019 11:34 am
mptfan wrote:
Fri Oct 25, 2019 11:32 am
Doom&Gloom wrote:
Fri Oct 25, 2019 10:45 am
Credit cards and currency ftw!
ftw? Am I the only one who does not know what that means? The proliferation of acronyms is off-putting.
:-?
ftw = "for the win"
What does “for the win mean”?
https://en.wiktionary.org/wiki/for_the_win
by Doom&Gloom
Sat Oct 26, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: 2.1% processing fee at California DMV
Replies: 31
Views: 1751

Re: 2.1% processing fee at California DMV

Ours is 3%. Ask DW how I became aware of this--or if she will take her checkbook with her the next time.

Thank goodness we have separate finances :twisted:
by Doom&Gloom
Sat Oct 26, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Wireless exterior video camera
Replies: 20
Views: 1810

Re: Wireless exterior video camera

I don't have any recommendation, but I do want to note that 50' through 4 walls might be an issue. To deal with that issue you'll want to use the 2.4GHz band rather than the 5GHz band when connecting over WiFi. (Google "WiFi 2.4 vs 5" to read more, if needed.) Also, (or instead of), you can get a W...
by Doom&Gloom
Sat Oct 26, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6287

Re: car battery change or not? 2 year old battery

I asked my dealer service writer about a precautionary battery change at the 5 year market, as well as changing the tire pressure sensors when I changed tires, and was told to leave both alone until they fail. When you come out of a restaurant at 10:30 PM on a cold Saturday night and your car will ...
by Doom&Gloom
Fri Oct 25, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Cost of my medicare drug plan is doubling
Replies: 24
Views: 2081

Re: Cost of my medicare drug plan is doubling

tc101, you say "the cost of my medicare drug plan is doubling," but you then say that it is the premium that's doubling. The Medicare plan finder website will calculate an estimated total annual all-in cost, based on your drug list. (And that's all working now, a few weeks ago it wasn't). That's pr...
by Doom&Gloom
Fri Oct 25, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6287

Re: car battery change or not? 2 year old battery

I asked my dealer service writer about a precautionary battery change at the 5 year market, as well as changing the tire pressure sensors when I changed tires, and was told to leave both alone until they fail. When you come out of a restaurant at 10:30 PM on a cold Saturday night and your car will ...
by Doom&Gloom
Fri Oct 25, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 66
Views: 4233

Re: First Republic Bank doesn’t have physical coins

Sounds like my kind of bank! I haven't put a coin in my pocket in the past few years. Even quarters had become nuisances.

Credit cards and currency ftw!
by Doom&Gloom
Thu Oct 24, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1255

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

alfaspider wrote:
Thu Oct 24, 2019 1:09 pm
Bogle7 wrote:
Thu Oct 24, 2019 1:00 pm
A '95 Cavalier?!
Really?!
This is your excuse to trash it.
Some BH don't have such cavalier attitudes towards saving money on transportation :wink:
ICWYDT. Nice!
by Doom&Gloom
Wed Oct 23, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 104
Views: 9705

Re: Do you plan to actually spend down your portfolio?

I don't plan to spend it down completely. I plan to spend enough to get "stuff" that I need or want. I can't imagine that consuming my portfolio.

I expect to leave something behind for DS. If circumstances change so much that does not happen, it won't be the end of the world.
by Doom&Gloom
Wed Oct 23, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need a trust? (MIL to keep extended family away from assets)
Replies: 20
Views: 3529

Re: Do we need a trust? (MIL to keep extended family away from assets)

I have no advice to share either, but my MIL had a similar situation. One of her more distant relatives even told her a few years ago that the next time she came to visit she wanted "to put my name on" the items she wanted. In addition, MIL's three children really don't have much trust in each other...
by Doom&Gloom
Tue Oct 22, 2019 4:54 pm
Forum: Personal Investments
Topic: Fidelity Disclosed Personal Account Information
Replies: 20
Views: 2688

Re: Fidelity Disclosed Personal Account Information

If this happened to me, Fidelity could certainly look forward to a clash the first thing the next morning.

What an unnecessary PITA. Good luck escalating a complaint until you get somebody's attention.
by Doom&Gloom
Sun Oct 20, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119595

Re: What frugal thing did you do today?

Sat on my hands while DW bought a new vehicle :happy Happy wife, happy life. :sharebeer I did prevent her from buying an extended warranty so I did my good deed for the day. I had told her several times before she/we entered that part of the sale to "just say no" to anything they offered from that ...
by Doom&Gloom
Sat Oct 19, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10156

Re: For those who are FI: At what point did you begin to relax?

I was born relaxed.

But if I were a worrier and had two young kids, I would be sure I had a good long-term plan in place, check it periodically (not daily!), reassure myself that I had done the financially necessary things, and enjoy my family! I would not let this FI obsession rule my life.
by Doom&Gloom
Sat Oct 19, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8146

Re: Wallets

I guess I'm a troglodyte. I would rather get rid of my cell phone than my wallet.

I did leave my watch on my nightstand when I retired. There it sits today. I predict that my cell phone will reside next to it before my wallet does, but the watch will likely remain unaccompanied for quite some time.
by Doom&Gloom
Wed Oct 16, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 8064

Re: Alternatives to Subaru Outback?

We own a 2019 Forester, and a 2010 Toyota Tundra. Fans of both brands. For space, the option I didn't see mentioned was a Toyota 4Runner. you could get a 2WD model. They are notoriously reliable. They also look SWEET. Sounds like the Subaru experience let you down. To your post, move on, don't live...
by Doom&Gloom
Wed Oct 16, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4417

Re: Good camera system to watch the babysitter

I get that life doesn’t give one optimum choices most of the time, but if you don’t trust the babysitter whom you are using (for what I’m assuming is no more than a few hours), wouldn’t your time be better spent finding one that you trust enough not to have to watch via camera? We found one via our...
by Doom&Gloom
Wed Oct 16, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Show at Golden Nugget with "dynamic pricing"
Replies: 5
Views: 875

Re: Show at Golden Nugget with "dynamic pricing"

Going to see Ray Wylie Hubbard in Vegas in December at the Golden Nugget showroom. Tickets are available through Ticketmaster. It says prices may vary due to dynamic pricing. Should I buy now or wait as I don't expect a whole lot of demand. Also, are the cheap seats decent? Any hotel recommendation...
by Doom&Gloom
Wed Oct 16, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 8064

Re: Alternatives to Subaru Outback?

OP here to report DW's decision and her process for those who have been unable to stand the suspense :wink: Vehicle is to be DW's, but she usually prefers that I drive when I am with her--so do I, but my preference for driving is weaker than it used to be. I have had my vehicle for 5 years and she h...
by Doom&Gloom
Tue Oct 15, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119595

Re: What frugal thing did you do today?

Sat on my hands while DW bought a new vehicle :happy Happy wife, happy life. :sharebeer I did prevent her from buying an extended warranty so I did my good deed for the day. I had told her several times before she/we entered that part of the sale to "just say no" to anything they offered from that ...
by Doom&Gloom
Mon Oct 14, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 26
Views: 4080

Re: Old bourbon whisky

Ask him to bring it over for a going away party. Invite his friends and family for a farewell. Add some snacks. Keep and enjoy any bourbon that is left over.
by Doom&Gloom
Mon Oct 14, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: Why are Mazda CX-5’s sales so much less than other brands?
Replies: 69
Views: 7800

Re: Why are Mazda CX-5’s sales so much less than other brands?

Agree with the others. I just finished accompanying DW on her shopping quest for a new SUV. If it had been me picking a SUV for my use, I probably would have bought the CX-5. Her tastes were different though.
by Doom&Gloom
Mon Oct 14, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119595

Re: What frugal thing did you do today?

Sat on my hands while DW bought a new vehicle :happy
by Doom&Gloom
Sun Oct 13, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: X Country Driving Trip across the US, solo
Replies: 25
Views: 2083

Re: X Country Driving Trip across the US, solo

If you are inclined to camp occasionally, or even use the back of a sufficiently large vehicle, there are now air mattresses that rival the comfort of home. I was looking and testing backpacking air mattresses at REI on a wood platform in the store. There was a large mattress already on the platfor...
by Doom&Gloom
Fri Oct 11, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statements-Save Paper Ones? Electronic?
Replies: 35
Views: 1886

Re: Credit Card Statements-Save Paper Ones? Electronic?

BuckyBadger wrote:
Fri Oct 11, 2019 6:58 am
No way do i save paper statements for credit cards! I don't save receipts, either.

I glance over the statements online before paying in full. My minimum payment is automated, but i do like glancing at the statement before i pay it.
+1

I do download and save the pdf.
by Doom&Gloom
Thu Oct 10, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Etiquette - [Tree] Leaves that aren’t yours
Replies: 11
Views: 1280

Re: Etiquette - [Tree] Leaves that aren’t yours

We live adjacent to an empty lot that is owned by our neighbors. The lot has lots of trees; we have none in our front yard. The prevailing winds blow lots of leaves from the empty lot (which is not maintained) into our yard. What is proper etiquette here? Am I responsible for leaf clean up in my ya...
by Doom&Gloom
Thu Oct 10, 2019 2:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123485

Re: U.S. stocks in free fall

How far this thread has fallen!

We have progressed from commenting on actual stock market dips and plunges to commenting on the predictions of it falling. Sad.
by Doom&Gloom
Thu Oct 10, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1550

Re: Keep car entertainment system with fast clock or get refurbished one?

If you are satisfied with the entertainment system other than the clock, I wouldn't let them within an inch of replacing it. You may end up with much worse problems. It continues to amaze me how bad the clocks in most cars are. At least nowadays they usually keep running rather than failing complete...
by Doom&Gloom
Wed Oct 09, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Married with Separate bank accounts
Replies: 44
Views: 3745

Re: Married with Separate bank accounts

I just wanted to know who here has a separate bank account from the spouse and why? I share an account with mine, but we have different savings accounts. She has her's and I have mine. It helps with gifts and such for each other, but sometimes I just see her money sitting there, doing nothing, and ...
by Doom&Gloom
Wed Oct 09, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8034

Re: My mechanic just wrecked my car - advice?

It sounds as if things are going pretty well. The only thing I would add is to check the location of the accident to ascertain that it was near enough to the shop to be a genuine test drive. There was a story in my local news a couple of years ago where a woman spotted her vehicle being parked at a ...
by Doom&Gloom
Sun Oct 06, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 131
Views: 18239

Re: Warning: avoid Windows 10 update 1803

Looks like more Windows 10 update issues going on Firbes- Warnings Issued For Millions Of Microsoft Windows 10 Users Not certain but this might be an update on Build 1903, not 1803. I usually wait 6-9 months to do a build update. I just jumped from 1803 to 1809 in the spring. Will wait for 1903 a w...
by Doom&Gloom
Fri Oct 04, 2019 2:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123485

Re: U.S. stocks in free fall

Lee_WSP wrote:
Fri Oct 04, 2019 12:44 pm
Bought the dip yesterday by scrounging up some couch cushions money....I got all excited until I realized I made all of $5 :oops:
You need a bigger couch! Perhaps you could start a new couch savings fund with that $5 :happy
by Doom&Gloom
Thu Oct 03, 2019 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank canceling credit cards??
Replies: 29
Views: 4739

Re: Chase Bank canceling credit cards??

It's easy to take these things personally. It's best not to. It isn't the end of the world.
by Doom&Gloom
Thu Oct 03, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 7952

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

MotoTrojan wrote:
Thu Oct 03, 2019 1:21 pm
There was a thread here about a parent more or less giving an ultimatum; don't be that parent.
IIRC that parent re-considered after receiving some excellent advice. OP might benefit from searching for that thread.
by Doom&Gloom
Wed Oct 02, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7886

Re: Recourse for "Stolen" Money

I have his address and cell phone number. Have you stopped by and rang the doorbell? I have run into people over the years quick to blow off emails and such but when you see them face to face, they will do the right thing after making a lame excuse or too. It might also answer the question as to if...
by Doom&Gloom
Wed Oct 02, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7886

Re: Recourse for "Stolen" Money

With the obvious caveat that 99.99% of Western Union scenarios are a scam, there are also counterfeit tickets that can look similar to real tickets if you meet up face to face for many popular concerts as the design is easy to knock off. In this case, OP was scammed, and this is a $200 loss, a chea...
by Doom&Gloom
Mon Sep 30, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Home repair - paying cash (dollar bills)
Replies: 60
Views: 5052

Re: Home repair - paying cash (dollar bills)

I frequently pay repair and service people in cash--but only after they have done previous jobs for me. I never pay a "new" worker in cash unless it is something very, very minor.