Search found 1374 matches

by Doom&Gloom
Sun Oct 22, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 35
Views: 2407

Re: What service do you pay for that you could easily do yourself?

Letting them change my car cabin air filter. There is some sort of scam in the "change cabin air filter" business. Several years back I had my car in for service and while in the waiting room the service manager came out with a dirty filter to show me and recommended it be changed. I asked how much...
by Doom&Gloom
Mon Oct 16, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 106
Views: 6266

Re: How does everyone keep track of your portfolio?

If you are looking for a software option, try fundmanagersoftware.com. For $99 one-time fee, there is a subscription to a personal version (professional version available too). It downloads transactions (buy, sell, dividends, etc) from brokerages and internet retrieves prices, and you can run repor...
by Doom&Gloom
Fri Oct 06, 2017 12:45 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3355

Re: Sent to collections by a hospital we've never been to?

Just received a collections notice for a bill from a small regional hospital about 5 hours away from us. It's for $700 and we have never been within 2 hours of this hospital. Initially I thought maybe it was a scam, but after some minimal research it appears the collection agency is legit and the h...
by Doom&Gloom
Thu Oct 05, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Weeklong vacation Thanksgiving
Replies: 13
Views: 1147

Re: Weeklong vacation Thanksgiving

I hesitate to offer suggestions because these threads invariably have "but we've already done that" to the responses. But here goes anyway: Road trip to Grand Canyon. White Sands & Carlsbad Caverns on the way/way back. Zion NP and Bryce NP are also within easy drives of the Grand Canyon. Do as much ...
by Doom&Gloom
Thu Oct 05, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 228
Views: 28049

Re: Retirement Account Stolen by Identity theft

FlyingMoose wrote:
Thu Oct 05, 2017 5:26 pm
The police should be asking who has access to that employee information at the former employer...
+1

It is unlikely that OP's dad is the only victim. Sounds like a bigger operation to me.
by Doom&Gloom
Thu Oct 05, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Help with In-Laws Request to Review their Portfolio from LPL Advisor
Replies: 8
Views: 788

Re: Help with In-Laws Request to Review their Portfolio from LPL Advisor

Several years ago DW asked me to look at MIL's financial accounts. Most of her investments were with LPL. I nearly just threw up my hands. One of my happiest days in recent years was when her LPL account was closed--and they weren't even my investments! DW hasn't even needed to ask me to glance at M...
by Doom&Gloom
Thu Oct 05, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 2881

Re: That blank stare... ?

NotWhoYouThink wrote:
Thu Oct 05, 2017 7:53 am
You don't have to understand it, you just have to accept it and plan accordingly.
Exactly.

I have found it to be detrimental to my mental health as well as our relationship to try to "fix" it. My acceptance and planning around it works much better for both of us.
by Doom&Gloom
Mon Oct 02, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6061

Re: Are credit cards rewards worth it?

It's amazing how such a very very minor incentive can excite people so much to use a product like credit card. I use them myself for almost all purchases, the cashback is nice and I try to maximize them as much as possible. However, I don't kid myself that the use of credit card is costing me much ...
by Doom&Gloom
Mon Oct 02, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Boston to Bar Harbor trip
Replies: 33
Views: 2120

Re: Boston to Bar Harbor trip

If you travel through Belfast, ME - Chase's Daily is where we have lunch on every trip to MDI. (I created an account just to recommend this restaurant to you.) Thanks from me as well. We will definitely be driving through there on the way to MDI, and I have added this to my itinerary as a possible ...
by Doom&Gloom
Sun Oct 01, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395269

Re: What's Your Credit Card Rewards Strategy?

Thanks! It actually looks like the Chase Sapphire Preferred would be better for me. No problem. It also pairs well with a Freedom or Freedom Unlimited: they both earn UR points that you can freely transfer to the Sapphire Preferred. I don't understand the "pairs well" part. What's the point of keep...
by Doom&Gloom
Sun Oct 01, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: Boston to Bar Harbor trip
Replies: 33
Views: 2120

Re: Boston to Bar Harbor trip

We will be in Acadia the 12th,13th and 14th and N .Conway the 15th so hopefully it will be pretty good by then. I have been following your threads with interest as I noticed we would be covering some of the same ground. Turns out we will be in Bar Harbor the same days as you. We were in North Conwa...
by Doom&Gloom
Sat Sep 30, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2689

Re: Caught by speed camera

$100 for a speeding ticket and no points or report to insurance is a bargain.

I would try to buy futures at that price.
by Doom&Gloom
Thu Sep 28, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8707

Re: VG wants everyone to transfer to a brokerage account?

I got the same e-mail today. It reads like if I don't make the switch by November 3, it is just another lost opportunity for me. Seems like an odd way to phrase the inevitable.
by Doom&Gloom
Thu Sep 28, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4520

Re: $700 to install a dishwasher seem by a plumber?!

Seems expensive to me but then again it is Chicago. We recently purchased a Bosch from Lowes. The took out the old one ,installed the new one in about half an hour. I believe the installation was 99.00. 700 is off the charts. Check out lowes in your area. :happy In my area Lowe's seems to hire rand...
by Doom&Gloom
Tue Sep 26, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab.com login trouble?
Replies: 15
Views: 1583

Re: Schwab.com login trouble?

I noticed this week that if you've used a password manager to "remember" the password, it will no longer do so. You must manually type the password in, and it works fine. Personally, given the hacks going on, probably a good security feature. BTW, Schwab offers clients to use a hard token pin gener...
by Doom&Gloom
Tue Sep 26, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Unbelievable AT & T
Replies: 29
Views: 3613

Re: Unbelievable AT & T

We recently switched our wireless service from AT&T to Xfinity. We paid our final bill with AT&T and thought that was the end of it. They quickly terminated our access to our online account with them so that we could see no further account activity with them. After a couple of months we received a b...
by Doom&Gloom
Mon Sep 25, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1058854

Re: U.S. stocks in freefall

wrongfunds wrote:
Mon Sep 25, 2017 3:37 pm
Oh my God! S&P 500 is down over 5.5 points! Should I start liquidation now or wait?

8-)
Too late now. You have missed most of the move, so you might as well ride it out now.

But don't forget to light all that dry powder when it reaches the absolute bottom!
by Doom&Gloom
Mon Sep 25, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4191

Re: Do you avoid risky adventures once you have the money?

halfnine wrote:
Mon Sep 25, 2017 3:42 pm
DaftInvestor wrote:
Mon Sep 25, 2017 9:31 am
My risk taking changed quite a bit once I had children. It never changed due to wealth accumulation.
This.
Yup.
by Doom&Gloom
Mon Sep 25, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6829

Re: Tipping question....Applebees

My wife and I went to a pizza place for dinner last weekend. We ordered a small pizza to split. They brought out complimentary rolls and olive oil for dipping. We drink water with our meals. We had a nice meal, nice ambiance, and a chance to talk without distraction for an hour. Our bill was $11.99...
by Doom&Gloom
Mon Sep 25, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11704

Re: Lifestyle Creep

I have consciously embraced lifestyle creep. I don't see why it is considered such a negative thing. It's one thing to limit consumption while you are paying off consumer debt or trying to establish a basic financial stability. But after that, as my income (and net worth) has increased, so has my l...
by Doom&Gloom
Mon Sep 25, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11704

Re: Lifestyle Creep

I have consciously embraced lifestyle creep. I don't see why it is considered such a negative thing. It's one thing to limit consumption while you are paying off consumer debt or trying to establish a basic financial stability. But after that, as my income (and net worth) has increased, so has my l...
by Doom&Gloom
Mon Sep 25, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6829

Re: Tipping question....Applebees

When I first saw pre-calculated tip size suggestions, I was a little bit offended but I quickly got over it. I have come to appreciate that seeing those suggestions is preferable imo to seeing diners whip out their phones to calculate tip sizes because they are incapable of figuring a tip mentally o...
by Doom&Gloom
Sun Sep 24, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6213

Re: Spouse Money Management

This is an odd topic. Until your girlfriend is out of college and has a real job there's no point in working out or thinking out a system. You might find you are compatible, or not, after college, but if she is young she hasn't become an adult yet, economically speaking, and you are getting ahead o...
by Doom&Gloom
Sat Sep 23, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: cataract surgery: accommodating vs multifocal lens implants
Replies: 15
Views: 985

Re: cataract surgery: accommodating vs multifocal lens implants

Still debating what to do. Have worse cataract in left eye and right eye still pretty good One ophthalmologist recommended doing both eyes with the standard implants. The other, at a respected University eye clinic, has recommended using toric implants since I have a fair amount of astigmatism and ...
by Doom&Gloom
Sat Sep 23, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: cataract surgery: accommodating vs multifocal lens implants
Replies: 15
Views: 985

Re: cataract surgery: accommodating vs multifocal lens implants

For those of us on Medicare, I believe Medicare covers a basis implant. Where does the Medicare paid basic implant fit into this discussion? I had cataract surgery on both eyes a bit under two years ago. Medicare would have covered everything for basic/standard lens implants. I opted for toric lens...
by Doom&Gloom
Thu Sep 21, 2017 4:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 21385

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

I just got this email today: You'll soon receive an email from us asking you to transition your current Vanguard account to a Vanguard Brokerage Account at no additional cost. We're transitioning most of our accounts to the new account structure to significantly streamline our operations and help u...
by Doom&Gloom
Thu Sep 21, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card recurring payment
Replies: 11
Views: 564

Re: Credit card recurring payment

IME it is hit-or-miss among issuers when the manual payment is scheduled within two days of the auto-payment. However, most issuers will allow you to cancel a single auto-payment or suspend an auto-payment for 1-3 months. I have all my CCs set up for auto-payment of the minimum amount on the due dat...
by Doom&Gloom
Sat Sep 16, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 5178

Re: Mother-In-Law dying, Wife wants to buy a Porsche

stemikger wrote:
Sat Sep 16, 2017 9:00 am
I stopped reading after your wife said sweet ass Porsche.
...
Same.

Reminded me of some of my in-laws. Good luck!
by Doom&Gloom
Fri Sep 15, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Flex steel,mLazy Boy,or other sectional?
Replies: 10
Views: 614

Re: Flex steel,mLazy Boy,or other sectional?

We shopped for a loveseat several months ago. I was very biased against LaZBoy going into the search and was almost certain we would wind up with a FlexSteel. We spent an afternoon sitting in numerous loveseats at a few stores. I was surprised at just how uncomfortable some were. To my surprise we s...
by Doom&Gloom
Fri Sep 15, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11953

Re: Postal Service -- "informed delivery"

I signed up for me and my wife....my experiences... The "Informed Delivery" email comes about 8 a.m. It does not include packages. To see packages, one has to log on to USPS "Informed Delivery" My packages and my wife's packages show up on my "Informed Delivery" account... not my wife's . Mail show...
by Doom&Gloom
Fri Sep 15, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11953

Re: Postal Service -- "informed delivery"

I signed up for me and my wife....my experiences... The "Informed Delivery" email comes about 8 a.m. It does not include packages. To see packages, one has to log on to USPS "Informed Delivery" My packages and my wife's packages show up on my "Informed Delivery" account... not my wife's . Mail show...
by Doom&Gloom
Thu Sep 14, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax is a mess
Replies: 21
Views: 3520

Re: Equifax is a mess

nisiprius wrote:
Thu Sep 14, 2017 1:42 pm
livesoft wrote:
Thu Sep 14, 2017 1:36 pm
Life is just one long loose end.
"No straight lines make up my life, all my roads have bends;
No clear-cut beginnings--so far, no dead ends."--Harry Chapin
Great quote. Great songwriter. Great human being.
by Doom&Gloom
Wed Sep 13, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4304

Re: How often do you put money in Vanguard

So far approximately every 25 years.

Edit: Vanguard only.
by Doom&Gloom
Wed Sep 13, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1058854

Re: U.S. stocks in freefall

Dead cat made of flubber.
by Doom&Gloom
Fri Sep 08, 2017 10:11 pm
Forum: Investing - Theory, News & General
Topic: Actually feeling pretty good about my active decisions
Replies: 20
Views: 2617

Re: Actually feeling pretty good about my active decisions

Superstitious learning.

Please give us annual updates.
by Doom&Gloom
Fri Sep 08, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Take car to dealer before warranty expires?
Replies: 10
Views: 1153

Re: Take car to dealer before warranty expires?

It depends. If the dealer will give your car a complimentary "look-over" while you are there for an oil change and state inspection, I wouldn't worry about it. If they are going to charge you $xxx.xx for a 36-month inspection, I would pass. The dealer for my car (not a Mazda) does such a complimenta...
by Doom&Gloom
Fri Sep 08, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10120

Re: Companies/Brands You Love?

Am I the only one here who believes that a company that produces a terrific product is also completely capable of producing a dud? If I am happy with a product from a particular company, I may investigate another product from that company first, but I will certainly look for a better alternative. I ...
by Doom&Gloom
Fri Sep 08, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3265

Re: New Mobile Phone number - Now hounded by Collection Agencies

Happened to my wife years ago. Frequency of calls gradually decreased to "only rarely" until she had to change numbers for other reasons.

It will eventually improve (may take years), but if you want faster results you need to change numbers.
by Doom&Gloom
Fri Sep 08, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4916

Re: Do I need an Amazon Echo??.....

MP123 wrote:
Fri Sep 08, 2017 4:13 pm
Sending every word said in my house to Amazon to be analyzed? :shock:
If I ever get confirmation of that being the case, Echos will become such a source of amusement for me that I will have to buy one for every room in the house :twisted:
by Doom&Gloom
Thu Sep 07, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Ideas to use a large flat space in yard
Replies: 26
Views: 2879

Re: Ideas to use a large flat space in yard

Sometimes a yard is just a yard.

Get rid of the playset if it is deteriorating and on its way to becoming an eyesore. Live with the open yard for a season or two; you may like it as is. If not, it will give you time to consider many options.
by Doom&Gloom
Thu Sep 07, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8556

Re: Protecting moms assets from nursing home expenses

OP is talking about a 74 year old woman with modest assets who is now living independently. And talking with her friends about asset protection. She may be active and independent for another decade or two, I fail to see the logic in giving away all her worldly possessions now, to her heirs or to a ...
by Doom&Gloom
Wed Sep 06, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24267

Re: Name something you had to have and now you regret purchasing it?

Amazon Echo +1 The only thing I used my Echo for was listening to internet radio. Plus one of my cats was in the habit of rubbing up against it and knocking it over. So I unplugged it and stuck it in the closet. I've replaced it with an old Logitech Squeezebox Boom -- it works just as well for list...
by Doom&Gloom
Wed Sep 06, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24267

Re: Name something you had to have and now you regret purchasing it?

When I first saw this thread I thought I would have a long list to post. But after thinking more about it, there are many items I wish I hadn't purchased in retrospect but nothing that crosses into regret territory. It would take a pretty large purchase for me to truly regret it. Other than various ...
by Doom&Gloom
Wed Sep 06, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11953

Re: Postal Service -- "informed delivery"

Signed up for this 2-3 weeks ago when the thread started, it says I'm registered with correct email, and have never received anything. YMMV. Don't get your hopes up. After I signed up, it took a little over a week before I received my first email. I don't get one every day since they don't scan mag...
by Doom&Gloom
Wed Sep 06, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Locking hub nuts on a vehicle - worth having?
Replies: 24
Views: 1178

Re: Locking hub nuts on a vehicle - worth having?

onthecusp wrote:
Wed Sep 06, 2017 11:39 am
I scrape my nice rims against the curb long before anyone tries to steal them. Its a Lose - Win situation. :D
Here's a guy with a pragmatic and standard solution!

:beer
by Doom&Gloom
Wed Sep 06, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1058854

Re: U.S. stocks in freefall

The next time it's different.
by Doom&Gloom
Wed Sep 06, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Locking hub nuts on a vehicle - worth having?
Replies: 24
Views: 1178

Re: Locking hub nuts on a vehicle - worth having?

Why not? They are inexpensive, and all you have to remember is to put the key in your glove compartment. Tim Thieves know that 99% of the people do this. They simply break into your car and use that exact key to steal your wheels. At least that is what a mechanic once told me and I decided to remov...
by Doom&Gloom
Tue Sep 05, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Help! I'm having computer problems using KeePass.
Replies: 11
Views: 973

Re: Help! I'm having computer problems using KeePass.

I don't use Firefox routinely to log into Fidelity, but I just tried it with Keepass and experienced no issues at all using auto-login or by copying and pasting into the username & login fields. I am sorry that I have no suggestions on how to solve your issues, but it obviously does not affect all K...
by Doom&Gloom
Tue Sep 05, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 14018

Re: If I died today, what would my spouse do?

My college physics instructor (who gave me a pretty low grade), would always scream at us to "start by writing down what you know!" I wrote it all up on a tabbed Excel file - accounts, strategy, instructions, to-do lists, obit, you name it. I sent it to the spouse and the response I got was "I will...
by Doom&Gloom
Wed Aug 30, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6634

Re: When to give resignation notice

Maybe I missed it, but what can they do if you leave after giving notice but prior to the three months elapsing?

Perhaps consider giving three months notice after you are vested and hope that they terminate you before the three months is up?