Search found 1934 matches

by Doom&Gloom
Thu Jun 21, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 36
Views: 1779

Re: 3 nights in Vegas

In July??? Whew! Drink lots of water and don't plan on walking "just a couple of casinos" down the strip. Unless you are planning on driving out of town, you don't need, or want, a car. If you are staying on the strip, you really don't need a car. If on the strip, sleep during the day, and roam arou...
by Doom&Gloom
Wed Jun 20, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 2035

Re: 1st Car Mechanic service experience

Dealerships are the worst. Invest the time to find a reputable local dealer and get to know them. It will pay off. Also, totally understand not wanting to DIY car stuff. But seriously, buy an air filter and change it yourself. Same goes for the cabin filter. You can change both in literally 2 minut...
by Doom&Gloom
Wed Jun 20, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1080

Re: Cataract surgery - one or two?

deja vu all over again https://www.bogleheads.org/forum/viewtopic.php?f=11&t=249967&p=3938475&hilit=cataracts#p3938475 ^ I completely forgot that the eye was completely covered for the first 24 hours. That would be a deal breaker for me. Mine weren't. I was able to uncover each as soon as I got home.
by Doom&Gloom
Tue Jun 19, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9732

Re: Messy Divorce -- Forensic Accounting Help....

So, pretend you did not love your spouse, had no conscience, and planned on hiding marital assets for 10-15 years....how would YOU do it? cash Same. In a SD Box in a different town. But I am more of a saver than a spender. I don't think you will find a stash. That money is gone. I would focus on ke...
by Doom&Gloom
Mon Jun 18, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16114

Re: Should I take possession of a certified mail?

denovo wrote:
Mon Jun 18, 2018 2:17 pm
OP hasn't logged in since the 13th.
The certified mail took possession of him.
by Doom&Gloom
Fri Jun 15, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Long Weekend in November - NOLA, Austin, Other
Replies: 26
Views: 1232

Re: Long Weekend in November - NOLA, Austin, Other

Given the choice between NOLA and Austin (if I had never been to either), I would pick NOLA in a heartbeat. Austin would pick up points for the live music and cruising the Hill Country though! For those saying avoid the French Quarter in NOLA, if you have never been, you absolutely have to go at lea...
by Doom&Gloom
Fri Jun 15, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 186
Views: 15473

Re: Top Shelf Liquor Overrated?

The Wizard wrote:
Fri Jun 15, 2018 5:42 pm
stemikger wrote:
Fri Jun 15, 2018 5:28 pm
...As far as beer goes, I only drink Bud Light. All these new craft beers are just too bitter and heavy for me.
*sigh*
(from a committed IPA consumer...)
+1

(from a committed anti-IPA consumer...)
:beer
by Doom&Gloom
Fri Jun 15, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16494

Re: Life in retirement - what did you do today?

Today is the first day of my retirement! Up at 4:30 am, drank coffee, read news and this website Workout at 5:30 am, getting ready to run a 4 mile road race on Father's Day Came home and drank espresso from my new Moca Pot (Thanks to Bogleheads for the Mother's Day present idea!) Thinned the perenn...
by Doom&Gloom
Tue Jun 12, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16494

Re: Life in retirement - what did you do today?

Today? Exciting stuff. Got up about 7am in anticipation of a truck from a local charity coming to pick up some furniture that we are donating. (Still waiting.) Also hoping to catch a glimpse of the city water crew coming to check on a leak at our meter. (Still waiting.) Had a nice chat with the FedE...
by Doom&Gloom
Tue Jun 12, 2018 8:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard -Data Concerns
Replies: 29
Views: 2215

Re: Vanguard -Data Concerns

The reason why I review the accounts each evening is that I manage $3 million invested at Vanguard, accounts for family members. While that may appear very hands on, I take the responsibility of managing the money very seriously with fully accountability. I'm a retired chief credit officer who mana...
by Doom&Gloom
Sun Jun 10, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' College Philosophy question
Replies: 68
Views: 3583

Re: Bogleheads' College Philosophy question

I think that in general, it is better for a college student to focus on learning instead of working while in school, unless the work is directly related to their studies. Better to borrow money and then repay it while working at a presumably higher salary with a degree in hand than to try to juggle...
by Doom&Gloom
Sun Jun 10, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' College Philosophy question
Replies: 68
Views: 3583

Re: Bogleheads' College Philosophy question

GCD wrote:
Sat Jun 09, 2018 9:15 pm
downshiftme wrote:
Sat Jun 09, 2018 8:48 pm
I'm leery of the false dichotomy. In most cases, you don't have to choose exclusively between retirement or college...
This.
Absolutely this.
by Doom&Gloom
Fri Jun 08, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 1905

Re: Tipping HVAC installers?

I have tried to tip my HVAC guy a time or two when he was, imo, going above and beyond in extreme heat. He would have none of it. He is a long-time friend of DW's family (and seems to price his work to us accordingly--which was part of my reason for wanting to bolster his pay), so maybe that played ...
by Doom&Gloom
Fri Jun 08, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3785

Re: Death - Prediction

So to sum it all up. I thought Bogleheads were against Market Timing and here we are making Death Predictions. The irony is too much! :happy Predicting and acting upon it are different entities. I haven't seen a post yet from anyone predicting they wouldn't make it through the weekend so they are s...
by Doom&Gloom
Fri Jun 08, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5069

Re: daughter wants a college transfer?

Agree with the numerous posters suggesting that you have an in-depth discussion with your daughter to see if anything else is going on. If it seems that this isn't just a transient adjustment issue, I would suggest allowing her to transfer if at all feasible. College is no place to be miserable for ...
by Doom&Gloom
Fri Jun 08, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3785

Re: Death - Prediction

The old joke is I want to go like my grandfather quietly in his sleep - not like the passengers in his cars screaming for their lives as they ran off the road :D I dunno.... It's about quality of life for me - and I suspect most people. I hope to live no longer than I'm aware of my own life with a ...
by Doom&Gloom
Thu Jun 07, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5147

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

I have had issues with my unit "freezing up" a few times in the past. Usually it was corrected by adding refrigerant. One time that didn't do it, and I needed a new compressor. A couple of years ago the outside unit froze up, and my AC guy was stumped as adding refrigerant or changing the compressor...
by Doom&Gloom
Wed Jun 06, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: Best case to convert a Bogle skeptic?
Replies: 56
Views: 4852

Re: Best case to convert a Bogle skeptic?

It's hard to convince someone that their life's work was total crap. Yes, IMHO it would be disrespectful, for sure. AND, there is this from OP's first post: "My father is a retired Merrill Lynch financial advisor who genuinely believes advising services add real value and is paying his own ML advis...
by Doom&Gloom
Wed Jun 06, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3366

Re: Upgrade to SSD for 5-year old desktop?

Sounds like my 4 y/o Dell is configured almost exactly like OP's except for the video card. I added an SSD right off the bat and kept the 1TB hard drive. Still going strong and quick as a cat.

I concur with those advising OP to do it.
by Doom&Gloom
Sun Jun 03, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2526

Re: Need to replace my Vizio TV..............

While I am a big proponent of using external speakers with a TV, I would not encourage OP to do that if he is happy with the tiny internal speakers on TVs these days. If he has no desire to use external speakers (or a soundbar) with future TVs, he should just replace the TV itself.
by Doom&Gloom
Fri Jun 01, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 186
Views: 15473

Re: Top Shelf Liquor Overrated?

Regarding wines, I can discern a noticeable difference as prices increase. However, I have employed a LBYM mentality and sampled wines above a certain price-point only sparingly. What I don't know doesn't hurt me :beer
by Doom&Gloom
Fri Jun 01, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 186
Views: 15473

Re: Top Shelf Liquor Overrated?

We are on a family vacation with our two "grown" kids and their SOs. A few nights ago we went out to dinner, where I was generally expected to pick up the check (through no fault of my own). At the conclusion of dinner my son-in-law ordered a double-shot of tequila (to "shoot", not sip). When the wa...
by Doom&Gloom
Thu May 31, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5242

Re: Advice for assisting 18 year old son after high school

With no more information than we have on such a complex situation, it is hard for us to critique what you think is the best route. But I will venture that something probably does need to change. Perhaps this will be sufficient. Good luck to all!
by Doom&Gloom
Thu May 31, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Writing Checks on a Schwab IRA
Replies: 22
Views: 1015

Re: Writing Checks on a Schwab IRA

I got the same e-mail today (fast approaching 70.5) and was curious about it. I couldn't figure out what use it could be to me, so I am glad to see this thread. I think I am going to pass though. One of the things I like about my IRA accounts (at Schwab and others) is that it is a bit more difficult...
by Doom&Gloom
Thu May 31, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Recommend new TV for 93 year old lady
Replies: 28
Views: 1929

Re: Recommend new TV for 93 year old lady

DW was recently in a similar situation with her 90 y/o mother who has macular degeneration. Her requirements, in order, were: The largest screen feasible (in part due to the macular degeneration). Decent built-in speakers--not the tiny, tinny-sounding ones in some sets. Easy to operate remote-contro...
by Doom&Gloom
Wed May 30, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4653

Re: My mind exploded

You are offended? Your daughter spent her money on something and you are offended. First, if you said one thing about paying for insurance, university, gas, car repair and phone you need to apologize, those were your decisions and unless they were part of a deal where she agreed not to buy expensiv...
by Doom&Gloom
Tue May 29, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: How To Store Blue Rhino Tanks Safely
Replies: 35
Views: 2711

Re: How To Store Blue Rhino Tanks Safely

We have a propane smoker and a propane grill. I absolutely hate running out and not having a full tank handy to pop right on. We keep a spare tank in the carport (open on two sides) next to our gasoline for the lawnmowers and a couple of gallons of diesel fuel for burning fallen limbs. If anything b...
by Doom&Gloom
Wed May 23, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 90
Views: 15160

Re: Why is Vanguard switching all accounts to brokerage accounts?

I just noted the dreaded "Upgrade" button. On clicking on the various accounts, I got the message that I couldn't perform the upgrade on-line because I take RMDs. Maybe I can dodge the bullet for a few more years. That is completely insane. But it certainly reinforces my resistance and inertia.
by Doom&Gloom
Mon May 21, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1614

Re: Medicare and Cataract surgery - one or two charges?

Did anyone go with premium lenses and paid an additional $2,000 - $3,000 per eye? Note that the additional cost is not covered by insurance. I went with toric lenses because of acute astigmatism in both eyes. They were expensive. So did I. $900/eye. Best $1800 I ever spent in my life. $900 per lens...
by Doom&Gloom
Mon May 21, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 12329

Re: Chase Savings Account emptied out!

Why would you not close the account and open a new one? What is the downside? At the very least, it shows Chase that you are interested in helping to prevent your funds being siphoned off fraudulently.
by Doom&Gloom
Mon May 21, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1614

Re: Medicare and Cataract surgery - one or two charges?

jebmke wrote:
Mon May 21, 2018 3:07 pm
HueyLD wrote:
Mon May 21, 2018 3:05 pm
Did anyone go with premium lenses and paid an additional $2,000 - $3,000 per eye? Note that the additional cost is not covered by insurance.
I went with toric lenses because of acute astigmatism in both eyes. They were expensive.
So did I. $900/eye. Best $1800 I ever spent in my life.
by Doom&Gloom
Mon May 21, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1614

Re: Medicare and Cataract surgery - one or two charges?

I tried to convince my doc to do both at once. He would not. He told me in the US rarely are both eyes done at once--usually only with patients with a disability that renders the procedure as no longer "routine."
by Doom&Gloom
Mon May 21, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12223

Re: done with Gmail

Don't know if this could be the OP's issue or not, but when I first started using Keepass several years ago, I would sometimes forget to click "Save" when I made password or other changes. On the bright side it didn't take long for me to remember to save changes after a few aggravating incidents. T...
by Doom&Gloom
Mon May 21, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12223

Re: done with Gmail

If you want to be ultra-safe with Keepass, you can always cut and paste the old password into the Notes area before generating a new password, and then save Keepass with both passwords before changing the password on whatever site you are using (e.g. Gmail). I don't do that for every site but I hav...
by Doom&Gloom
Sun May 20, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3358

Re: Wifi + wired device

I have not used a USB wifi adapter, but I have previously used a media-bridge (actually an old router converted to that purpose) which works in the same manner (but via ethernet port rather than USB) and provides more flexibility in positioning for decent wifi reception.
by Doom&Gloom
Sun May 20, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Computer Remote Access
Replies: 29
Views: 3340

Re: Computer Remote Access

Wow - no kidding. Great suggestions in this thread, folks. So far, I have experimented quite a bit with Chrome Remote Desktop (after enabling my parents' computer for Chrome Remote Desktop using Logmein while I still have it available). I ave been pleasantly surprised with how well it is working fo...
by Doom&Gloom
Sun May 20, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Birmingham AL and Gainesville FL (?)
Replies: 7
Views: 871

Re: Birmingham AL and Gainesville FL (?)

If you end up in Birmingham be sure to try Highlands Bar and Grill which was just named James Beards most outstanding restaurant. I was just in Birmingham last week but Highlands is closed on Mondays so I didn't get to eat there. Other than that I was never really impressed with Birmingham. But I w...
by Doom&Gloom
Sat May 19, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Nephew graduating high school & joining military. Gift Ideas?
Replies: 29
Views: 1679

Re: Nephew graduating high school & joining military. Gift Ideas?

I despise gifting cash and gift cards, but this looks like the perfect spot to do just that.
by Doom&Gloom
Fri May 18, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12343

Re: how do you tip on wine at a restaurant

One day I am going to wander into a tipping thread on the internet and see somebody change their mind and attitude.

One day ...
by Doom&Gloom
Fri May 18, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520314

Re: What's Your Credit Card Rewards Strategy?

Thanks. I am considering the choice between canceling CSP and product changing CSP into FU. In both cases, I would save $95 annual CSP fee (and acquire $450 CSR fee). It's been a few years for me. I had the CSR and the CSP (no longer allowed) and obviously didn't want to keep the CSP when its annua...
by Doom&Gloom
Thu May 17, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 8164

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

frugalecon wrote:
Thu May 17, 2018 4:48 pm
I am struggling to understand why this thread has so many replies.
Silver threads among the gold.
by Doom&Gloom
Thu May 17, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 8164

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Sometime around 2007 I heeded some sage advice and bought a lot of 1 oz. silver coins in order to be ready for the coming calamity when dollars wouldn't be worth anything anymore. I think I paid about $32/oz. so I'm ready! (and have been for 11 years). I can top that. My 90 y/o MIL has had a cache ...
by Doom&Gloom
Thu May 17, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 8164

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

OP, serious question...Why does your friend suggest silver? Why not Real Estate? Gold? Treasuries? Money Market? What does he see that we do not? He talked about its usefulness and demand for it, versus the lesser demand for gold in practical terms. I think I remember this argument from the '70s. I...
by Doom&Gloom
Thu May 17, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: 2018 Yellowstone Trip advice needed
Replies: 20
Views: 1458

Re: 2018 Yellowstone Trip advice needed

OP, if you have not read previous threads re: Yellowston NP on this page, please search for them. There is quite a bit of general information in those that may not be repeated for your specific questions. We did a similar trip a few years ago with DS at a similar age. Enjoy!
by Doom&Gloom
Thu May 17, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: College Textbooks
Replies: 13
Views: 786

Re: College Textbooks

Good advice already. My experience with DS (now a senior) is that "what's best" is all over the map and very class/teacher dependent. I thought digital "books" (even rentals) would be great until DS found out that some teachers don't allow any electronic devices to be used in the classroom. What usu...
by Doom&Gloom
Thu May 17, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4848

Re: New motorcycle rider

Clearly, there are lots of current and ex- motorcycle riders on this forum, including me. I would disagree with an early poster who suggested starting with a 750cc or larger bike, or even a Harley. Big bikes are heavy, especially Harleys, and the weight itself adds an extra element of difficulty in...
by Doom&Gloom
Wed May 16, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4751

Re: somebody is using our address

I think I would make a point to beat this bum to my mail every day. Then I would mark "his" mail with "no such person at this address," return it to the local post office and tell them what is going on. I would also let him know that I consider him to be trespassing on my property and possibly tryin...
by Doom&Gloom
Wed May 16, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 8164

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Culbretd wrote:
Wed May 16, 2018 5:01 pm
His friend is a pension fund manager, very knowledgeable about the stock market. Yes I'm being serious that is really who his friend is.
Now I know why my pension fund is in the shape it's in. *shudder*