Search found 2069 matches

by Doom&Gloom
Wed Aug 15, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credi card balance transfer offer
Replies: 9
Views: 626

Re: Credi card balance transfer offer

Barclays sent me Balance Transfer Checks. While I've never taken on credit card debt, I was curious to understand the offer and called the number provided. My understanding is that I can write a check to myself for pretty much the full amount of my credit line. To be precise, I can "borrow" 99% of ...
by Doom&Gloom
Tue Aug 14, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 58
Views: 4491

Re: Marriage [How should finances be handled?]

Thanks for the replies all. I see all of your points about joining all finances. I will give this some thought. However, I do want to give her some privacy as well. Also, I am worried that if we see all that money in a joint account we will spend more than we should. She does make a good income and...
by Doom&Gloom
Tue Aug 14, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 45
Views: 3119

Re: Adult piggy bank

Use reward credit cards and save the rewards instead of coins.

Coins are nasty 8-)
by Doom&Gloom
Tue Aug 14, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 77
Views: 4974

Re: Retire in Florida or Alabama?

I wouldn't make any decisions about where to live based on something that a climate model predicts could happen in 50-100 years. And therein lies the problem. "I don't intend to plan my retirement around what some stupid model predicts for fifty years from now." But, you see, that is almost the ent...
by Doom&Gloom
Tue Aug 14, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 110
Views: 6915

Re: Vanguard loses its soul with new website

Vanguard’s previous website design reflected the values of “Vanguarding” whereas the new Vanguard website design offers soulless minimalism. “Vanguarding” means: 1) Focusing on the Big Picture (focusing on Asset Allocation ) 2) Avoiding short-term trading and market-timing (investing for the Long-T...
by Doom&Gloom
Tue Aug 14, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2286

Re: What's the reason you would buy reading glasses at...

Easier said than done. Finding an inexpensive option if you need readers with different corrections for each eye is problematic. I have a thread or two here about my search for an inexpensive option for glasses with different corrections for reading distance in each eye. The only option I (actually...
by Doom&Gloom
Tue Aug 14, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2286

Re: What's the reason you would buy reading glasses at...

The question is why are you buying dollar store glasses that don't match your needs exactly versus buying 10 dollar glasses that do? The eye doctor is giving you an exam so you have the prescription. Sure it is probably only a slight difference (i.e. prescriptions glasses will have the correct pres...
by Doom&Gloom
Mon Aug 13, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Trip to Maine
Replies: 38
Views: 3361

Re: Trip to Maine

We loved the breakfast at 2 Cats in Bar Harbor.

Enjoy your trip!
by Doom&Gloom
Mon Aug 13, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Key West?
Replies: 20
Views: 1100

Re: Where to stay in Key West?

When we went several years ago we stayed at a B&B we found via TripAdvisor. A few blocks off Duvall St and easy walking around downtown. We were quite happy with it.
by Doom&Gloom
Mon Aug 13, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Key West Family Vacation - February
Replies: 25
Views: 1624

Re: Key West Family Vacation - February

I highly recommend Dry Tortugas. We took the float plane. More expensive than the ferry, but well worth it to me. We took the first flight of the day. We beat the ferry, so we pretty much had to island to ourselves. I also heard a lot of the ferry passengers get sea sick. We also took a snorkling t...
by Doom&Gloom
Sun Aug 12, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3145

Re: Cleaning gas grill

I use a metal paint scraper (primarily) and a chisel. DW recently gave me a wooden scraper, but so far I still prefer the paint scraper.
by Doom&Gloom
Sun Aug 12, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 110
Views: 6915

Re: [New Vanguard website layout starting Saturday, August 11]

Out of curiosity I just logged into my old platform MF account via my PC. Looks the same to me, but I honestly probably couldn't tell you whether it has changed or not.
by Doom&Gloom
Sun Aug 12, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Joint checking accounts.
Replies: 26
Views: 1917

Re: Joint checking accounts.

All direct deposits go to individual accounts. Then we combine as necessary for joint expenses. Seems to work well (for us).
by Doom&Gloom
Sat Aug 11, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 72
Views: 4409

Re: How often do you check your brokerage accounts

Statement time--3 institutions.

Also as needed (rarely).
by Doom&Gloom
Fri Aug 10, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4515

Re: Should I pay 6000.00 to repair wife's car....

rebellovw wrote:
Fri Aug 10, 2018 7:47 pm
bob60014 wrote:
Fri Aug 10, 2018 5:57 pm
Good grief, sell it!
Sorry honey - I sold your car - guy named Bob gave me some excellent Internet advice.
LOL! What's the worst that could happen?

Seriously though, good luck!
by Doom&Gloom
Fri Aug 10, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6039

Re: Paper checks yes or no?

Have racked my brains and still can't remember the last time I wrote out an actual paper check. 2010, 2011 maybe. Not to go off-topic, but is there anyone here whose bank does not offer the free bill-paying service? The invention of that is what brought about the demise of check-writing for me. :D ...
by Doom&Gloom
Fri Aug 10, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4515

Re: Should I pay 6000.00 to repair wife's car....

I would not pay that much. But I also can not picture a Beetle's door swinging open to be that much of a problem. It has been quite a while since I have been in one so maybe their doors are far more formidable than they used to be. If I couldn't fix it to my satisfaction much more cheaply than that,...
by Doom&Gloom
Fri Aug 10, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6039

Re: Paper checks yes or no?

Why not? If they work for you and are the most convenient option, do it.

I still have, and use, paper checks for my two active checking accounts. But they go a lot farther than they used to. I can't recall the last time I ordered checks.
by Doom&Gloom
Thu Aug 09, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 8876

Re: Biggest Threats to Financial Well-Being

Changing jobs too often. I know people that have spent decades changing jobs once every 1 - 2 years. Some of the changes were involuntary, but most were by choice. Most if the changes were lateral moves. The megacorp where I worked had specific rules about pension and 401k eligibility and how long ...
by Doom&Gloom
Thu Aug 09, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 770
Views: 82603

Re: [What TV Show Have You Recently Watched?]

Death in Paradise, fans: Season 7 is now on Netflix Woo-hoo! I really like the new guy: Ardal O'Hanlon as DI Jack Mooney. O'Hanlon played Father Dougal McGuire, an outstanding role, on the Father Ted show. One of my favorite little skits was when Father Ted was explaining to Father Dougal the diffe...
by Doom&Gloom
Thu Aug 09, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ask for extension or turn down job offer?
Replies: 22
Views: 1352

Re: Ask for extension or turn down job offer?

A friend of my son living with us this summer just received an offer for next summer, after an internship. This continues to be a common practice. I would have your son sit down and have a honest conversation with one of the production leaders. (not HR) Explain that he enjoyed the internship and is...
by Doom&Gloom
Wed Aug 08, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 770
Views: 82603

Re: [What TV Show Have You Recently Watched?]

Death in Paradise, fans: Season 7 is now on Netflix
by Doom&Gloom
Tue Aug 07, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Anyone using a Dolby Atmos-capable sound bar?
Replies: 4
Views: 240

Re: Anyone using a Dolby Atmos-capable sound bar?

I do not have a soundbar, but I do have a pair of upward-firing Dolby Atmos speakers in my living room. Their effect is minimal. I can't imagine a soundbar's Dolby Atmos effect even approaching that.
by Doom&Gloom
Mon Aug 06, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Missing Mail Issue
Replies: 6
Views: 696

Re: Missing Mail Issue

Last week we got notification for a piece of mail that we did not receive the same day. The same day we got a notification that a package had been delivered to our mailbox. Neither was there, but the other letters on our notification were. DW went to the post office and was assured that they would s...
by Doom&Gloom
Mon Aug 06, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 770
Views: 82603

Re: [What TV Show Have You Recently Watched?]

Recently finished "The Staircase" about the Michael Peterson trial in North Carolina. Really enjoyed it. Currently watching "Sharp Objects" each Sunday night and then rewatching during the week to catch the small clues. Also watching "Tin Star", finding it hard to follow the English accents, but li...
by Doom&Gloom
Sun Aug 05, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: My Credit Card Rewards Strategy
Replies: 28
Views: 2404

Re: My Credit Card Rewards Strategy

Don't dismiss cards with annual fees until you look at all of their perks. It is not unusual for the perks to offset the fees if they are things you will use. Also the pay back on new card sign up bonuses is usually closer to 10-12% than the 2-5% you get for ongoing use on most rewards cards. Check...
by Doom&Gloom
Sun Aug 05, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52467

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I just saw a Fidelity TV ad for these things. They must be proud of them. And pushing them hard!

I still consider it a great sign for investors.
by Doom&Gloom
Sun Aug 05, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4545

Re: Dear BH, what are non-BH actions you do?

Not many.

But I do quite a lot of non-frugal things.
by Doom&Gloom
Sun Aug 05, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6936

Re: "Skin in the game"

Enough to keep the student's focus on the obvious goals but not so much as to be so burdensome to the student that it interferes with achieving those goals.

Varies widely from kid to kid, from $0 on up.
by Doom&Gloom
Sat Aug 04, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Has anyone programmed their own hearing aids?
Replies: 8
Views: 616

Re: Has anyone programmed their own hearing aids?

I'm a dedicated DIY-er and would like to be able to program my own hearing aids. I feel this would give me the ability to tweak and fine-tune them for optimal results. When you go to the audiologist, they don't really spend much time or effort trying to find the optimal adjustment. And it's really ...
by Doom&Gloom
Fri Aug 03, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 4646

Re: best place to hide a key

If you have a 2015 or newer Subaru, here are instructions for how to set it up: https://www.camelbacksubaru.com/blog/2017/march/16/video-how-to-set-up-subaru-pin-code-access.htm I really need to read the manual of my “new” Subaru, it seems. Thanks for mentioning this. Good luck. DW has a 2016 Outba...
by Doom&Gloom
Thu Aug 02, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52467

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I love competition and options. I can't see how this development could possibly be a bad thing for informed investors.

Choices, choices,and choices, oh my!
by Doom&Gloom
Tue Jul 31, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: I desire above average results
Replies: 14
Views: 1817

Re: I desire above average results

As already posted:

market results > average investor results

So there you go!
by Doom&Gloom
Mon Jul 30, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11697

Re: Joint Ownership of home with second wife

Seems more like a competition. Good luck, but I don't think you and your kids are the favorites.
by Doom&Gloom
Mon Jul 30, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11697

Re: Joint Ownership of home with second wife

Something I'm very good at is determining if a marriage is going to work out or not. Don't get married. Sorry man. I might soften this a bit by adding "until you work this house deal out to the penny and can be certain everyone is happy about it." But, then again, there is a lot to be said for simp...
by Doom&Gloom
Sun Jul 29, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 5509

Re: Home Theater vs. Soundbar

Personally I would choose wires and good sound over simplicity and a sound bar any day of the week. Sound quality is the most important aspect to envelop you into the action. A sound bar will never compare. We have a dedicated theater room with a 5.1 surround setup and a projector. Watching movies ...
by Doom&Gloom
Sat Jul 28, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 91
Views: 6765

Re: Are Credit Cards Actually Convenient?

I have had two cards shut down and replaced due to fraud in 43 years. One was declined at a hotel in the process; the CC company caught the other while I was comfortably at home. My credit cards are actually extremely convenient. OK, make that three in 43 years. CC company caught this one today whi...
by Doom&Gloom
Sat Jul 28, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5253

Re: Why dont people sit outside more? And how to deal with bugs?

We sit outside 1-2 hours most evenings in the summers while grilling dinner. Deep South. I would be happy to stay out longer if there is at least a bit of a breeze, but DW must watch TV in A/C. We have figured out how to beat mosquitos (but not "no-see-ums" etc). Again, it is good enough for me, but...
by Doom&Gloom
Sat Jul 28, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 5509

Re: Home Theater vs. Soundbar

If you already own speakers, consider the NAD 3020 amplifier. I use this with optical audio from the TV and a pair of small NHT superzero speakers. The sound is impressive for a small system. It’s easy to play bluetooth audio as well. @dandinsac - I am leaning towards this type of solution, at leas...
by Doom&Gloom
Fri Jul 27, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: AAA & AARP = Travel Benefits?
Replies: 27
Views: 2392

Re: AAA & AARP = Travel Benefits?

We have both. I find that AARP results in slightly larger discounts than AAA when I am paying for hotel/motel rooms.

However, we find AAA to be well worth a family membership for emergency auto services.
by Doom&Gloom
Fri Jul 27, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 5509

Re: Home Theater vs. Soundbar

For those of you that have wrestled with the same decision, I'd like to hear your thoughts. Haven't really had to decide like this. For our home theater room a soundbar was a nonstarter given that the best audio quality was a must. However, for the bedroom where space was at a premium and the other...
by Doom&Gloom
Thu Jul 26, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 10733

Re: Facebook stock in freefall! (20% drop in 1-day)

What took it so long?

j/k. I have long since stopped trying to figure this stuff out.
by Doom&Gloom
Thu Jul 26, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: The stock that got away
Replies: 40
Views: 2894

Re: The stock that got away

Sasquatch wrote:
Thu Jul 26, 2018 6:19 pm
How do you folks keep from loosing your mind when you miss the boat on a stock?

...
It has been so long that I have forgotten.
by Doom&Gloom
Thu Jul 26, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: How to make opened bottles of wine last longer
Replies: 38
Views: 2852

Re: How to make opened bottles of wine last longer

I take a different approach. I try not to open a bottle of wine unless I know it will be gone by the next evening--or the one after that at the latest.

It seems to be very effective :beer
by Doom&Gloom
Thu Jul 26, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2312

Re: Figuring out long-term technology plan for kids - Chromebook?

I have my kids using Windows laptops and learning Office, Visio and OneNote. I think it's beneficial to learn those packages, it carries over into the resume and corporate environment. I agree. Chromebooks have their place. I am certainly happy that DW has one! But kids should be learning all they ...
by Doom&Gloom
Thu Jul 26, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: GPS tracker app?
Replies: 14
Views: 682

Re: GPS tracker app?

We have been using Life 360 for 3+ years now. We haven't tried turning our locations off though--never saw a need. It does drain batteries, and DS complained about that being a reason to turn his off. We informed him that Life 360, his phone, and his car were a package deal--either all worked or non...
by Doom&Gloom
Thu Jul 26, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Millions of LifeLock email addresses may have been exposed
Replies: 17
Views: 1620

Re: Millions of LifeLock email addresses may have been exposed

LOL

Wasn't their founder in the news a few years back for being hacked?
by Doom&Gloom
Wed Jul 25, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6750
Views: 1466859

Re: U.S. stocks in freefall

ReformedSpender wrote:
Wed Jul 25, 2018 8:05 pm
Remember all the doom and gloom posts from February?

S&P within a fraction of a percent of regaining all time highs.

Stay the course :beer
I didn't realize that I had posted so frequently in February. I'll try to watch it from now on :wink:
by Doom&Gloom
Wed Jul 25, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 5509

Re: Home Theater vs. Soundbar

It is obviously personal preference and how much you value the quality of the audio. I listen to as much music as we watch TV. I would be miserable listening to the tiny speakers of a soundbar and the absence of a subwoofer. I have receivers + speakers in three different rooms. One setup has wireles...