Search found 1816 matches

by Doom&Gloom
Sat Apr 21, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Should I continue to hold REITs?
Replies: 31
Views: 2121

Re: Should I continue to hold REITs?

I reduced my REIT allocation from 10% to 5% when REITs were added to S&P indices a little over a year ago. I'm planning to remain at 5% indefinitely.
by Doom&Gloom
Fri Apr 20, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 47
Views: 1502

Re: Do you buy new or used cars?

New cars with good predicted reliability and that I think I can "live with" for years. Keep them well maintained and drive them until the maintenance costs become too much to bear or until they let me down on the road. My four most recent vehicles lasted ~10 years each and had at least 200,000 miles...
by Doom&Gloom
Thu Apr 19, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61759

Re: Netflix, Your Current Favorite Show

I too recommend "Godless". It was a pleasant surprise to me since I like good old-timey westerns. And at 7-8 hours in length, very binge-able. Yes, a lot of folks are thumb-upping Godless . I'm half way through it and agree that it has been pretty good so far. I think the same crowd is likely to ap...
by Doom&Gloom
Thu Apr 19, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3324

Re: Good Dad, Bad Dad

As others have said, there is no one right answer. Our progression with DS: he got his permit as soon as he was eligible, then his DL when he qualified for it. He drove his mom's car (when it was available) for several months. He picked up a job at that point with no urging from us. His senior year ...
by Doom&Gloom
Thu Apr 19, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: EJ Escapee
Replies: 7
Views: 828

Re: EJ Escapee

Most prison escapees get nabbed by doing simple things stupidly. Don't let that happen to you!

Welcome! Do some reading here and you should find yourself in a far better place.
by Doom&Gloom
Thu Apr 19, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 6045

Re: vanguard notice - retiring our old investment platform

This "new platform" business never made any sense for the customer's point of view. They said "nothing will change": if it is true, then why should I bother ? If it is not true, I'm perfectly happy as things are, then why should I bother. If you have only VG mutual funds there is no operational adv...
by Doom&Gloom
Wed Apr 18, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325155

Re: What are you up YTD? [Year To Date]

-0.5% through yesterday.
55/40/5

The 5% REIT hurt. For this period. It accounted for almost all of the drop. Tomorrow is another day :beer
by Doom&Gloom
Wed Apr 18, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Planning a week in Yellowstone 2019
Replies: 6
Views: 630

Re: Planning a week in Yellowstone 2019

Agree with moving around. When we went for four nights we spent two at the Old Faithful Inn, one at the Lake Hotel, and also one at the Jackson Lake Lodge in Grand Teton. My favorite of those was the Old Faithful Inn--by a lot. But if/when I go back, I wouldn't spend more than two or three nights th...
by Doom&Gloom
Wed Apr 18, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3024

Re: Broke up with my girlfriend for financial reasons: crazy?

Because someone who spends 36k yearly on a salary of more than 250k is also not living a balanced life. (I'm the OP) Why would my life be unbalanced? As I described, I live a pretty lavish lifestyle, hell I bought a brand new car less than 2 years ago, I just went on an international vacation to It...
by Doom&Gloom
Wed Apr 18, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3024

Re: Broke up with my girlfriend for financial reasons: crazy?

I'm surprised that it took six months for the breakup.
by Doom&Gloom
Tue Apr 17, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 2893

Re: Las Vegas hotel

We are planning on staying in Las Vegas for a couple of nights before going to grand Canyon, Bryce and Zion. I know Vegas hotels usually have promotions and such. Anyone has suggestions on how to get discounts? If not, what hotel do you recommend? I am a regular here, so nothing extravagant, please...
by Doom&Gloom
Sat Apr 14, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Best Rating sites for TVs
Replies: 22
Views: 1414

Re: Best Rating sites for TVs

TVs are the one thing I like to see in person rather than trust ratings. It's personal. I go to Best Buy and stare at them carefully. I ended up liking Sony pictures the best (more natural colors, especially greens and reds and just overall easier on the eyes and relaxing). The ratings liked Samsun...
by Doom&Gloom
Fri Apr 13, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 6045

Re: vanguard notice - retiring our old investment platform

Like many I received this notice: Over the past few years, we've made some improvements to our investment platform. As a result of these improvements, we'll be retiring our old investment platform—which is what you're using today—and asking all our clients to transition to the new one. We'd make th...
by Doom&Gloom
Fri Apr 13, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Best Leather Checkbook
Replies: 15
Views: 808

Re: Best Leather Checkbook

If you go to crafts fairs at all, look around. I found a hand-made leather checkbook holder 20-25 years ago, and it may last another century. I recently removed the register from it and began using an electronic register that was linked in another thread here, so I now have two checkbooks in my leat...
by Doom&Gloom
Thu Apr 12, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61759

Re: Netflix, Your Current Favorite Show

We are only a few episodes into Crossing Lines (http://www.imdb.com/title/tt2427220/?ref_=nv_sr_2) so far but really liking it.
by Doom&Gloom
Thu Apr 12, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37276

Re: Name something you bought that wasn't cheap and glad you did

20 year old speakers. You can overspend on A/V equipment that seems to constantly change but speaker technology has remained pretty constant for decades. Good high quality speakers bought 20 years ago still sound great today. +1 Bought mine 40 years ago--felt outrageously expensive at the time. I s...
by Doom&Gloom
Thu Apr 12, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Best Buy, $3k TV, should I buy warranty?
Replies: 24
Views: 1510

Re: Best Buy, $3k TV, should I buy warranty?

After five years a replacement is likely to be better and/or cheaper.

I'd decline unless it was so cheap as to be a no-brainer--in which case you probably wouldn't have made the OP. And as others have said, most problems will expose themselves early.
by Doom&Gloom
Thu Apr 12, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 3888

Re: Help with shared child being spoiled

Child is 13 and we have been married since age 2. Show him/her this thread and how everyone assumed it was a 5 year old based on the description of the behavior, lol. +1 I also assumed the kid was somewhere between 4 and 6. Yep. A shocker. OP's ship has probably already sailed. This now seems clear...
by Doom&Gloom
Thu Apr 12, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Best Rating sites for TVs
Replies: 22
Views: 1414

Re: Best Rating sites for TVs

Also a strong vote for AVS forums.
by Doom&Gloom
Wed Apr 11, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 3888

Re: Help with shared child being spoiled

I would tell his grandparents that they can make more of an impact on their grandson by helping to fund his college education. And I would educate them on how best to do that if necessary--it probably is. I would emphasize that their generosity is appreciated, but their grandson will certainly have ...
by Doom&Gloom
Tue Apr 10, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?
Replies: 20
Views: 1107

Re: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?

I think there is a web site called AUDIOGON.COM which focuses on high end and maybe vintage audio equipment. I am not affiliated with the site and have never used it. +1. Great site and you'll find a higher concentration of people who are specifically looking for vintage audio equipment and know wh...
by Doom&Gloom
Tue Apr 10, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13856

Re: Parents have zero savings. What can I do?

rob65 wrote:
Tue Apr 10, 2018 3:49 pm
Wow. Four pages on a question from someone that posted once and hasn't replied since then - although perhaps we scared him off?

Maybe time to lock unless the OP returns with more information?
It was his first post. He probably forgot what forum he posted his question on :oops:
by Doom&Gloom
Tue Apr 10, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 1682

Re: Driver's permit before 18 - Any financial incentive

My parents were happy to have another person in the house to run errands and drive myself to school . Around here, they have these yellow vehicles called "school buses" that transport kids to and from school. They look like this: https://www.naschools.net/cms/lib/MA02202086/Centricity/Domain/7640/C...
by Doom&Gloom
Tue Apr 10, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 1682

Re: Driver's permit before 18 - Any financial incentive

The sooner the better. Especially with supervision. As in many other areas of life, the more you do something (and the earlier in life), the better you become at it. Practice, practice, practice. Disclaimer: I got my license on my 15th birthday. No permit ever. Most of my friends got their licenses ...
by Doom&Gloom
Mon Apr 09, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: And yet another example why Vanguard is a 4th tier firm in regard to customer service…
Replies: 20
Views: 1785

Re: And yet another example why Vanguard if a 4th tier firm in regard to customer service…

If it exasperated me that much and I thought it was an indication of lack of security and/or poor customer support, I would simply move my account.
by Doom&Gloom
Mon Apr 09, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39941

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

I can't say anything about a potential bicycle but I am surprised that you may agree to a mattress. I consider interest in mattresses a recent fad driven by advertising. People who sleep well do not need new mattresses. People who can't sleep should change their sleep hygiene rather than a mattress...
by Doom&Gloom
Mon Apr 09, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Home Safe vs Safety Deposit Box
Replies: 84
Views: 16767

Re: Home Safe vs Safety Deposit Box

I like my safety deposit box because it is also outside my house without me having to rely only on cloud storage. I visit it every 6 months and swap a hard drive into it. A lifetime of tax returns and family photos and brokerage statements are all on that hard drive - if my house burns down tomorro...
by Doom&Gloom
Mon Apr 09, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Cruise or other vaca ideas for Dad w/13yr old twin boys?
Replies: 36
Views: 2279

Re: Cruise or other vaca ideas for Dad w/13yr old twin boys?

I'm not sure I would do a cruise with kids that age--just seems an "in between" awkward age for a cruise to me. BUT if you do settle on a cruise, go to the Cruise Critic site and find one with a good program for kids that age. We took our 16 (I think) y/o on an Alaskan cruise and were all concerned ...
by Doom&Gloom
Sun Apr 08, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13856

Re: Parents have zero savings. What can I do?

I have read the OP three times, and I still can't find any indication of the in-laws' "dire circumstances." Unless OP provides additional information, their bleak future appears to exist only in OP's head at this point.
by Doom&Gloom
Sun Apr 08, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61759

Re: Netflix, Your Current Favorite Show

Season 6 of Death in Paradise is now available on Neflix :D . This is a BBC series of hour long police dramas set in the Carribbean. We can hardly wait to start the new season. We have a few episodes of Misomer Murders which we must finish first. Thanks for the heads-up. We watched the first three ...
by Doom&Gloom
Sun Apr 08, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Is fallen tree my responsibility or town's?
Replies: 10
Views: 1467

Re: Is fallen tree my responsibility or town's?

Homeowner's doesn't normally cover tree removal. Damage from falling tree, yes. They might cover removing tree parts from a structure but otherwise not. When we had tornado damage about 10 years ago our insurance covered a very limited amount for downed tree removal. $500 IIRC--however, our deducti...
by Doom&Gloom
Sat Apr 07, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Best place to buy a TV
Replies: 33
Views: 2625

Re: Best place to buy a TV

You are probably already aware, but some credit cards extend your warranty on such purchases--as well as offering cash-back.
by Doom&Gloom
Sat Apr 07, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Best place to buy a TV
Replies: 33
Views: 2625

Re: Best place to buy a TV

I bought all three of my plasma sets online--from three different retailers. You just have to shop around for the best prices for the set you want. All three had free delivery and none charged sales tax. Nowadays some online retailers charge sales tax, but others don't. You often need to place the i...
by Doom&Gloom
Sat Apr 07, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13856

Re: Parents have zero savings. What can I do?

I can't believe how many people are saying to let them drown. Forget how this will impact your marriage - how can anyone do that in good conscience? Helping does not necessarily have to mean forking over tens of thousands of dollars, nor should it. It could be as simple as setting them on a sound f...
by Doom&Gloom
Sat Apr 07, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4378

Re: Tequila and Magaritas

Great thread! We don't drink a lot of Margaritas, but now I know enough not simply to grab a convenient bottle of tequila off the shelf at the liquor store.

As the saying goes, "Everybody has a tequila story." This thread should help me avoid ever having another one :beer
by Doom&Gloom
Sat Apr 07, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: WSJ article on Vanguard snafoos - Should Bogleheads.org get involved?
Replies: 23
Views: 3076

Re: WSJ article on Vanguard snafoos - Should Boglehead.org get involved?

Seems like it would be less trouble to vote with your feet if you are unhappy with Vanguard--or any other company. I have accounts at Vanguard, Schwab, and Fidelity, so I am obviously satisfied with all three. If I become unhappy with any of them, I will likely move my account elsewhere.
by Doom&Gloom
Fri Apr 06, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6392
Views: 1371176

Re: U.S. stocks in freefall

In days of yore it was Fridays like this that I loved watching Louis Rukeyser on WSW. I'm sure it wouldn't be the same with a post-Bogle mindset though.
by Doom&Gloom
Fri Apr 06, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: College freshman shopping—what don’t we need?
Replies: 45
Views: 2786

Re: College freshman shopping—what don’t we need?

All the clamoring for bed risers may be totally unnecessary. When we moved DS into his dorm room a few years ago, the beds' heights were adjustable to allow a ton of storage beneath them--probably to 4' or more IIRC. The most ridiculous items I saw on move-in day were headboards and footboards, but ...
by Doom&Gloom
Thu Apr 05, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 3684

Re: Any hardworkers here who half-a** at work?

That job sounds like a dreadful fit for you.
by Doom&Gloom
Thu Apr 05, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Is saving 0.5% worth paying in cash?
Replies: 11
Views: 1434

Re: Is saving 0.5% worth paying in cash?

Unless it were a person/company I had done business with on more than one occasion, I would resist giving any sort of cash/check deposit. IOTW I would use a CC unless there were substantial reasons to do otherwise.
by Doom&Gloom
Wed Apr 04, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2543
Views: 476613

Re: What's Your Credit Card Rewards Strategy?

I am new to posting at Boglehead, but I have an honest question(I have been reading this site for a long long time though). How much money do those that 'churn' credit card rewards programs end up getting back after ONE year? I am a cash guy who has been debt free since I was 32(now 62). Put myself...
by Doom&Gloom
Wed Apr 04, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: College freshman shopping—what don’t we need?
Replies: 45
Views: 2786

Re: College freshman shopping—what don’t we need?

Not something the student needs, but a huge help on moving-in day is a well-stocked toolbox. DS's roommate's dad brought one and it made an ordeal much less so.
by Doom&Gloom
Mon Apr 02, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Buying laptop with half gift cards and half credit card, what are my card perks?
Replies: 7
Views: 511

Re: Buying laptop with half gift cards and half credit card, what are my card perks?

Read your card benefit terms carefully. Some issuers provide full coverage even if only a part of the purchase is paid for with their card; some exclude coverage altogether; others provide coverage only up to the amount you paid with that card. This. Always confirm by checking the written benefits....
by Doom&Gloom
Sun Apr 01, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: New laptop purchase decision
Replies: 36
Views: 2849

Re: New laptop purchase decision

From my 7 decades of life experiences: Retiree brains rust and get very creaky very quickly in learning new tricks All software is user-friendly once you get used to it. Familiarity is KING! Get a cheap Apple and be done. It'll be more than fast enough. You do not edit videos or play virtual realit...
by Doom&Gloom
Sat Mar 31, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11160

Re: Underrated places to visit in U.S.?

Anywhere in Idaho For those keeping score at home, this is the correct answer. :D My wife and I vacationed in Idaho last year. When I told my coworkers I was going, I got one of two reactions. Most people said "Idaho? Why in the world are you going there?" But the few who had actually been to Idaho...
by Doom&Gloom
Sat Mar 31, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Aftermarket auto lumbar support cushion?
Replies: 2
Views: 313

Re: Aftermarket auto lumbar support cushion?

I use one of these in my vehicle. I do not need one when I drive DW's vehicle as its seat has adequate lumbar support. I also tried the "firm" in the same product but found it to firm. As Goldilocks would say, this one is "just right." It isn't the most elegant solution, but it is the best I found f...
by Doom&Gloom
Sat Mar 31, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5738

Re: New car from dealer may have close to 150 miles - ok?

I am buying a car from a dealer that does not have the exact car I want on the lot. He could get it. He says it currently has 25 miles on it, but it's close to 100 miles to drive it to the dealer. I have no way to confirm any of this as I don't know where he is getting the car from. Should I be con...
by Doom&Gloom
Fri Mar 30, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5738

Re: New car from dealer may have close to 150 miles - ok?

While I wouldn’t be afraid to take delivery of such a car, I’d expect a discount. It’s simple supply and demand. Say 2 identical cars are on the lot. One has 7 miles on the odometer and the other has 150. Are they worth the same price to you? Would the dealer offer you one or the other (your choice...