Search found 1682 matches

by Doom&Gloom
Tue Feb 20, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off car loan good for credit?
Replies: 19
Views: 763

Re: Paying off car loan good for credit?

I don't think it would matter one way or the other either. I would probably pay it off if it would save you any money at all as it would seem to be a nuisance to bother with every month. That assumes that you wouldn't be tempted to fritter away that $250 in cash flow every month, of course.
by Doom&Gloom
Tue Feb 20, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 77
Views: 5866

Re: What's your cash position

Just enough in two checking accounts to cover monthly bills and stay above the minimum to avoid a service fee.

And enough cash at home for various anticipated needs.

So, most of the time: hardly a blip.
by Doom&Gloom
Tue Feb 20, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Paying for expedited credit card replacements?
Replies: 16
Views: 558

Re: Paying for expedited credit card replacements?

A backup card or two renders this a trivial issue. Too late for OP right now, but plan ahead to avoid a recurrence of being stuck.
by Doom&Gloom
Tue Feb 20, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Alaska Cruise Suggestions
Replies: 21
Views: 1283

Re: Alaska Cruise Suggestions

Itinerary trumps all with Alaskan cruises imo.

Only you can decide whether traveling with an infant is doable.
by Doom&Gloom
Tue Feb 20, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 425
Views: 33320

Re: What frugal thing did you do today?

It's worse than cheap - downright dishonest. I wouldn't want a stranger's clothes drying with mine. How do I know what cooties are in it? That is JUST TERRIBLE and possibly illegal! Ok, calm down. I understand you wouldn't want a stranger's clothes drying with yours, but illegal? Come on. What law ...
by Doom&Gloom
Mon Feb 19, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 20
Views: 1840

Re: Seeing Yellowstone National Park

Just as there are 50 ways to leave your lover, there are (at least) 50 ways to see Yellowstone. We have only been once--in July a few years ago. One night at the Jackson Lake Lodge in Grand Teton NP, two nights at the Old Faithful Inn, and one night at the Lake Hotel in Yellowstone. We thoroughly en...
by Doom&Gloom
Mon Feb 19, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11029

Re: Did you learn anything from the market correction?

Honest question, why do people think this event is over? Emotionally, it feels like there was some sort of spasm in the market that let off steam and test something. Factually, I can't see any evidence that the situation changed materially in valuations, with the exception of a tick up in expected ...
by Doom&Gloom
Mon Feb 19, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Combining Chase Credit Cards
Replies: 3
Views: 345

Re: Combining Chase Credit Cards

Keep the freedoms separate in order to get 2 quarterly limits. That's basically 5x points on up to $3000 on mobile pay this quarter alone. I don't see what advantage combining the cards has. Rather than a hard pull to combine, I'd suggest to apply for another chase card. Such as the freedom unlimit...
by Doom&Gloom
Sat Feb 17, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 6408

Re: How to get child's skin in the game for college?

I suspect that how a child is raised and the experiences she has during the first 18 years of life will probably a stronger force of her having a "skin in the game' of her own future than whatever type of college plan you concoct. +1,000. KlangFool +1001 Since many people toss their (mostly not app...
by Doom&Gloom
Sat Feb 17, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 425
Views: 33320

Re: What frugal thing did you do today?

And sometimes it crosses the line.
by Doom&Gloom
Fri Feb 16, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11029

Re: Did you learn anything from the market correction?

Everything I needed to know I learned in October, 1987. ^This. As a young inexperienced investor I sold some in '87 and locked in those loses. Never again. This time I thought my AA would drift enough that I'd buy the dip. Never happened. I was able to realize quickly that the only people who truly...
by Doom&Gloom
Fri Feb 16, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Minnesota lake resorts summer 2018
Replies: 32
Views: 2231

Re: Minnesota lake resorts summer 2018

If you are truly looking for "resorts" you may be disappointed. Or maybe I just missed those when we made our first visit to MN a couple of years ago. We stayed at the Lutsen Resort on the north shore that someone mentioned previously. We didn't consider it much of a resort as it was a bit rustic, b...
by Doom&Gloom
Fri Feb 16, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 29
Views: 1795

Re: Vacation in May. Boston, Martha's Vineyard, Bar Harbor

I'll toss out an option in response to the very valid comments that you may be spreading yourself a bit thin time-wise. If you have your heart set on Bar Harbor, consider substituting Cape Ann (Rockport, Gloucester) for Cape Cod. Last October we spent 3 nights each in Rockport and Bar Harbor. If mak...
by Doom&Gloom
Fri Feb 16, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6494

Re: PSA: Bank of America now charges $12/month for checking

Sounds way too complicated to me. I'd rather spend my time doing something else.
by Doom&Gloom
Thu Feb 15, 2018 10:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. bonds in freefall
Replies: 33
Views: 5373

Re: U.S. bonds in freefall

cfs wrote:
Thu Feb 15, 2018 9:34 pm
No worries about bonds in freefall when you are 100% in equities. Good luck, y gracias por leer ~cfs~
No dry powder, eh?
by Doom&Gloom
Thu Feb 15, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6494

Re: PSA: Bank of America now charges $12/month for checking

I am getting a real chuckle from all the mentions of free coffee at a bank. If I am inside a bank long enough to drink a cup of coffee, the last thing I am going to need is more caffeine :annoyed
by Doom&Gloom
Thu Feb 15, 2018 12:18 am
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10038

Re: My Over $300K Vanguard Balance Disappeared?

What a coincidence. My balance just increased by > $300k! :twisted: As others have said, I'm sure it is just a glitch. My bank's website sometimes does similar things around midnight. I have never noticed it with Vanguard, but I seldom log in. How Vanguard can do such a thing? :shock: Thanks Doom&G...
by Doom&Gloom
Thu Feb 15, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10038

Re: My Over $300K Vanguard Balance Disappeared?

What a coincidence. My balance just increased by > $300k! :twisted:

As others have said, I'm sure it is just a glitch. My bank's website sometimes does similar things around midnight. I have never noticed it with Vanguard, but I seldom log in.
by Doom&Gloom
Wed Feb 14, 2018 11:31 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 78
Views: 8522

Re: Can someone help me explain to my wife...?

No, this a battle you need to wage. Start small, bring up any of the many posts with nice, easy to understand graphs. There is a great one somewhere, where the future is covered up and you can play 'sell now? Buy now?' And see how often one is wrong. +1 to the bolded. I am guessing that this is an ...
by Doom&Gloom
Wed Feb 14, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262517

Re: U.S. stocks in freefall

bligh wrote:
Wed Feb 14, 2018 4:38 pm
RRAAYY3 wrote:
Wed Feb 14, 2018 4:28 pm
Cheers to those who held... shots for those that bought more!
What about those of us who wanted to buy more, but hadn't kept any dry powder aside to do so. :)
Please refrain from disparaging us wet-powder guys!

:wink:
by Doom&Gloom
Tue Feb 13, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 3895

Re: Going Paperless Issues

Going paperless just happens naturally and is very easy. 1. Every bill that can be paid automatically via a credit card each month (or year) is set up that way (as long as there is no extra fee). (Of course the credit cards are all on autopay from a bank account. The bank account is replenished by ...
by Doom&Gloom
Tue Feb 13, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 6422

Re: Should I claim chapter 7 bankruptcy? debt 110k

To all the folks automatically labeling the OP a troll, or telling him to just get a job, you may want to read his most recent posts. One of them notes that he received a $130k "settlement check" . Not a ton of details to go on, but given that he is in his thirties, lives at home with his parents, ...
by Doom&Gloom
Tue Feb 13, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 6422

Re: Should I claim chapter 7 bankruptcy? debt 110k

I've lost everything, completely wiped out close to 500k. I never thought something like this would happen, but I knew the risks and even studied them. I have no one to blame but myself here. How did you make $500k? Can you repeat it? If you had credit card debt, you could negotiate it down. Wouldn...
by Doom&Gloom
Tue Feb 13, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 6422

Re: Should I claim chapter 7 bankruptcy? debt 110k

I find it troubling that you present no plan of action for your financial future and are currently unemployed and living with your parents. I would not presume to offer advice about bankruptcy without knowing more details about your situation, plans, and expectations.
by Doom&Gloom
Mon Feb 12, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 3895

Re: Going Paperless Issues

Addendum to my prior post: All bills that can be paid via credit card are unless there is a fee for doing so. And usually paid with the CC offering the best rewards for that particular bill. The only bills I pay via autopay are those that (1) require autopay--only a couple, or (2) are always going t...
by Doom&Gloom
Mon Feb 12, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 3895

Re: Going Paperless Issues

My wife and I are trying to go completely paperless for our bills and payments and all our expenses. We are trying to get rid of all the bills that come in the mail and convert them to e-bill and e-pay of some sort. But this is proving harder than we expected. So now we have question how to do vari...
by Doom&Gloom
Mon Feb 12, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4088

Re: How does one emotionally keep it together during market swings?

There is no substitute for experience on the roller coaster. After a few really wild rides, one adapts to the point where almost everything is quite minor and elicits a "ho hum" reaction.
by Doom&Gloom
Sun Feb 11, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Family expecting “comps”
Replies: 38
Views: 4706

Re: Family expecting “comps”

If someone says "It's not about the money," it is about the money.

I have found that some relatives are worth spending less time with--for a wide variety of reasons. YMMV.
by Doom&Gloom
Sun Feb 11, 2018 12:30 am
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1622

Re: Multiiple indicator lights on (car)

OP here. I think we can figure out what happened here: Tire pressure: Good Oil level: Good Engine, lights and the all-important gas cap: All working properly Tire Pressure Light: On when driving Other Indicator Lights: On only when starting car I think she must have seen an unfamiliar light (the ti...
by Doom&Gloom
Sun Feb 11, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: Can I track a friend's trip on my Windows computer?
Replies: 12
Views: 1274

Re: Can I track a friend's trip on my Windows computer?

Does it have to be on your PC? Do you have a smartphone that would be acceptable instead? If so, our family uses Life 360 to track one another with our androids and iPhones:

https://www.life360.com/
by Doom&Gloom
Sat Feb 10, 2018 12:33 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 110
Views: 6289

Re: Suggest coffee maker please

I've been rinsing grounds from my French press down the drain for decades. Same with the grounds from the gold cone filter we use in the automatic drip maker. Much less messy than putting it in the trash! That depends on your drains. Some of them will let you know they do not appreciate coffee grou...
by Doom&Gloom
Tue Feb 06, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262517

Re: U.S. stocks in freefall

I remember when this was my favorite thread on the BH forums.
Stay the course in posting as well as investing, folks!
by Doom&Gloom
Tue Feb 06, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 127
Views: 8820

Re: Torn between Vanguard, Fidelity and Schwab

If you are torn, just flip a three-sided coin. I have accounts at all three and am satisfied with all. I am low-maintenance and haven't interacted with a person at any of them since I opened my Vanguard account in 2014. I can't recall the last time I spoke with a Schwab or Fidelity employee. None of...
by Doom&Gloom
Tue Feb 06, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262517

Re: U.S. stocks in freefall

Earl Lemongrab wrote:
Tue Feb 06, 2018 1:52 pm
It's all my fault, sorry. I retired on 2/1, so once the market heard, well, you saw what happened.
We will forgive you--just this once. Welcome to the club! Now you can join us into shifting the blame to where it rightly belongs--on everyone else :twisted:
by Doom&Gloom
Mon Feb 05, 2018 11:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14582

Re: Vanguard site is crashed now?

My question is why so many Bogleheads were trying to login today? I understand why the unwashed masses logged in, but I thought Bogleheads were better than that. If you have an appropriate allocation there is no need to login today, or tomorrow, or next week. Just a few times a year should be plent...
by Doom&Gloom
Mon Feb 05, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 46431

Re: Today was a Really Bad Day

ankylosaurus wrote:
Mon Feb 05, 2018 8:26 pm
Yes it was. My child has a classmate who just found out that his mother has 1 year to live. The boy is 5 years old, one of 4 children, in the nicest family. So sad. That's a bad day. Whatever the market did today seems not to matter by comparison.
No, it didn't. Thanks for the reminder.
by Doom&Gloom
Mon Feb 05, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14582

Re: Vanguard site is crashed now?

One thing I learned, vicariously thankfully, from the 1987 crash was that if you couldn't get an order placed due to overwhelming demand that you probably didn't want to have it executed anyway--either at that time or at your earliest opportunity. Of course, YMMV and things could well be different n...
by Doom&Gloom
Mon Feb 05, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 10049

Re: RBD alert [Really Bad Day]

Johnnie wrote:
Mon Feb 05, 2018 7:04 pm
You guys make me nervous with all this cavalier talk. Even though I happen to agree that this is likely a blip, or just part of a garden-variety correction. But - cue my signature line. :|
Cavalier? Shoot, even I'm not worried. (Cue my screen-name 8-) )
by Doom&Gloom
Mon Feb 05, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262517

Re: U.S. stocks in freefall

knpstr wrote:
Mon Feb 05, 2018 5:31 pm
S&P 500 down 1.4% YTD... looking to go from all equities to all cash. IPS says: "act on impulse"

Thoughts?
LOL

IPS = Impulsive Panicking Strategy?
by Doom&Gloom
Mon Feb 05, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262517

Re: U.S. stocks in freefall

My RMDs are already done for 2018 so I think I will do my usual procrastination and not panic (or even worry) until 2019.
by Doom&Gloom
Mon Feb 05, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262517

Re: U.S. stocks in freefall

Accrual wrote:
Mon Feb 05, 2018 2:39 pm
A lot of doubt circling this board. Somewhat troubling.
Some people getting punched in the mouth.
by Doom&Gloom
Sun Feb 04, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 425
Views: 33320

Re: What frugal thing did you do today?

DrGoogle2017 wrote:
Sun Feb 04, 2018 1:13 pm
I think that’s the standing joke. Lighten up a bit.
Somebody's first post here is a standing joke? Interesting.
by Doom&Gloom
Sun Feb 04, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 425
Views: 33320

Re: What frugal thing did you do today?

masonstone wrote:
Sat Feb 03, 2018 9:07 pm
I returned my Christmas tree to Costco
Doesn't seem frugal.
by Doom&Gloom
Sun Feb 04, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14408

Re: For BHs who actually like cars - what is your daily driver?

kerplunk wrote:
Sat Feb 03, 2018 11:59 pm
If more than 50% of the power is coming from the front wheels, you can’t call yourself a car enthusiast.

My most recent vehicles:

2008 Porsche Boxster
2013 Audi S4
2014 BMW 335i M-Sport
2016 Porsche Cayenne
+1
RWD ftw!
by Doom&Gloom
Sat Feb 03, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262517

Re: U.S. stocks in freefall

Didymograptus wrote:
Sat Feb 03, 2018 8:03 pm

It actually only dropped 665.75. Stop exaggerating.
666 is the integer of the beast!
LOL. Good one!
by Doom&Gloom
Sat Feb 03, 2018 1:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262517

Re: U.S. stocks in freefall

TSquare wrote:
Fri Feb 02, 2018 4:24 pm
I want to make a comment but I'm very superstitious and don't want to jinx us all!
It's bad luck to be superstitious, silly!
by Doom&Gloom
Sat Feb 03, 2018 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Multiple bank accounts - am I crazy?
Replies: 46
Views: 3482

Re: Multiple bank accounts - am I crazy?

We have three--2 individual and one joint.

I don't see a need for more, but if there is a convincing reason, then ...
by Doom&Gloom
Sat Feb 03, 2018 1:17 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 365
Views: 41476

Re: Netflix, Your Current Favorite Show

Bloodlines Started very strong but progressive got worse. After a while you just grew angry at the stupidity of some of the characters. I enjoyed it if nothing else being set in the keys. Memories from Florida. Agreed. Season 1 was absolutely great but they should’ve just stopped there. Season 2 wa...
by Doom&Gloom
Fri Feb 02, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262517

Re: U.S. stocks in freefall

Yesterday I sold the last bit of my holdings I needed to sell for my RMD this year. I had sold the bulk of what was needed in January. It appears that I could be a market-forecasting savant. I may establish an advisory service next week if we don't get history's biggest dead cat bounce on Monday. In...
by Doom&Gloom
Fri Feb 02, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Choosing which room to sleep in
Replies: 48
Views: 5037

Re: Choosing which room to sleep in

I have seen "studies" on health that recommend doing only 1 or 2 things in the bedroom. The one is sleep. The other is ... (not reading or watching TV or using an exercise machine ... ) Basic sleep hygiene. If you and your partner have no problems sleeping and aren't concerned about sleep issues oc...