Search found 1997 matches

by Doom&Gloom
Wed Jul 18, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8629

Re: Why own a bed?

VictoriaF wrote:
Wed Jul 18, 2018 9:00 am
Doctor Rhythm wrote:
Wed Jul 18, 2018 1:24 am
Caduceus wrote:
Mon Jul 16, 2018 10:41 am
Are there any good reasons to own a bed?
Positions 3, 7, and 9 through 12(b) require a bed.
For position 12(b) you can replace a bed with a kitchen table.

Victoria
Why own a kitchen table?
by Doom&Gloom
Tue Jul 17, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement
Replies: 45
Views: 3599

Re: New Vanguard Security Code Requirement

It also plays havoc on anyone with Mint or Quicken tracking software. Unlike most Bogleheads who look at their balance once a year, I actually do daily monitoring. Not to make changes or react, but just to monitor for unauthorized transactions or errors (across all financial accounts, not just reti...
by Doom&Gloom
Tue Jul 17, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 70
Views: 4470

Re: Families - What's your total annual credit card spend?

I don't know the total offhand, but almost everything goes on a CC. No mortgage. Property taxes, car tags, and income taxes are paid via online checking account. Some home repair/maintenance is paid with cash or personal check. Occasionally $1-2 tips are paid with cash. I can't think of anything els...
by Doom&Gloom
Mon Jul 16, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2595

Re: Would you pay $120 for a 5 year dishwasher warranty?

Nope. I'm never in the market for an extended warranty--just the item itself. If I am at all concerned about an additional warranty period, I try to be certain to use a credit card that offers at least one additional year's coverage.
by Doom&Gloom
Mon Jul 16, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4882

Re: Where to get a $100 bill?

dm200 wrote:
Mon Jul 16, 2018 9:58 am
DanMahowny wrote:
Mon Jul 16, 2018 9:57 am
Vegas
Or ask a friend/acquaintance who goes to the casino or racetrack.

Use the correct term - you want a "Benjamin" :)
In my neighborhood it is "Benny."
by Doom&Gloom
Mon Jul 16, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8629

Re: Why own a bed?

Old Guy wrote:
Mon Jul 16, 2018 11:32 am
Why don’t you sleep in your van down by the lake?
+1

Why own a house?

Or a van?
by Doom&Gloom
Sun Jul 15, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4882

Re: Where to get a $100 bill?

Casino or bank.
by Doom&Gloom
Sun Jul 15, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 113
Views: 6060

Re: Anyone not have a Budget?

I have never had a budget. No regrets.
by Doom&Gloom
Sun Jul 15, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9432

Re: When does frugal cross the line to cheapskate?

Frugal or cheap? - using cents off coupons for gasoline and groceries? - using credit card reward points programs - using sign up bonuses for credit cards, bank accounts, brokerage accounts - negotiating prices with contractors, for appliances, etc. rather than just accepting the quoted price - tak...
by Doom&Gloom
Sun Jul 15, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 59
Views: 4525

Re: Bears!!!

The ammonia trick has worked for us when an adventuresome dog manages to get loose in the neighborhood for a while. At least he focuses on other targets. I have no idea if it works for bears, but it's worth a shot--and a hefty dose of ammonia. Good luck!
by Doom&Gloom
Sun Jul 15, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9432

Re: When does frugal cross the line to cheapskate?

My MIL has walked that tightrope for years. She broke a crown Friday night and called DW to ask her to bring her some SuperGlue because she thought she could fix it herself without going to the dentist. DW is driving MIL to her dentist Monday morning to save MIL's frugal self from her cheapskate sel...
by Doom&Gloom
Sun Jul 15, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3661

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.
by Doom&Gloom
Sun Jul 15, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Reading glasses for driving
Replies: 11
Views: 843

Re: Reading glasses for driving

I would just get progressive lenses. You would just have a very mild nearsighted prescription in them along with your farsighted prescription. Eye exams are cheap and can be obtained easily at big box stores. Get your prescription glasses online to save money (should be less than $50). I might get ...
by Doom&Gloom
Sun Jul 15, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 53
Views: 5988

Re: Costco Membership

Shallowpockets wrote:
Sun Jul 15, 2018 11:20 am
Broke 4 pairs of glasses this year. That sounds like your problem. You might not need a Costco membership if you approach the problem at the source.
+1, but not what OP asked.

Perhaps even consider contact lenses, depending upon how the glasses are breaking.
by Doom&Gloom
Sat Jul 14, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 57
Views: 6910

Re: Be Careful Using Mailboxes

I quit putting outgoing mail in our mailbox a few decades ago because I had so little confidence in the carriers picking it up and getting it to the proper spot. In the intervening years I used the USPS for less and less of consequence. I can think of only two annual checks that I send via USPS--har...
by Doom&Gloom
Thu Jul 12, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 53
Views: 5988

Re: Costco Membership

Rupert wrote:
Thu Jul 12, 2018 2:41 pm
I love Costco, and I strongly dislike Walmart. That said, last time I checked, Walmart has a better warranty on kid's glasses than Costco does.
DS had glasses from Walmart which were replaced when he broke them. I can't recall their exact guarantee, but it might be worth checking.
by Doom&Gloom
Thu Jul 12, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9196

Re: Keeping a checkbook

I am shocked at how many people have eliminated checks from their lives and yet continue to write a check for property taxes. My county has a fee to pay online :annoyed but no fee to pay by check. I just use my bank's billpay, who fires off a check twice a year on the date I specify. My tax parcel ...
by Doom&Gloom
Mon Jul 09, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3294

Re: What do you pay for home services?

rixer wrote:
Mon Jul 09, 2018 9:25 am
Hockey10 wrote:
Sun Jul 08, 2018 4:04 pm
For the landscaping, find a teenager that lives in your neighborhood. They will be much cheaper than the professional types.
Where do you find a teenager that wants to work?
Being raised in Boglehead homes?

Perhaps you are just in the wrong neighborhood :wink:
by Doom&Gloom
Sun Jul 08, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 3954

Re: Monthly Water Usage

Reading this thread made me curious so I looked back at our billing/usage history for the two of us. 4-5000 gallons/month consistently except for a big jump this past February when we left faucets dripping liberally for more than a few days in a successful attempt to prevent the pipes from freezing....
by Doom&Gloom
Sun Jul 08, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3987

Re: Tipping in a hotel room/cruise ship room

Hotels: I leave $2-3/night at inexpensive hotels or hotels in economically depressed areas. I figure those housekeepers are likely underpaid and struggling to find/keep a job. I tend not to tip at higher end hotels in nice areas as I figure those housekeepers should already be decently compensated. ...
by Doom&Gloom
Sun Jul 08, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1642

Re: Checkbook balancing software?

You could create a check register in Excel in a matter of minutes. Just use a large font for them. To the OP, I have such a spreadsheet that I've been using for the last three years, that automatically does the arithmetic to reconcile when entries are checked off. PM me if you're interested in look...
by Doom&Gloom
Sat Jul 07, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2388

Re: E- Billing & Autopay

I am having a problem with my paper electric bill not being sent to my house. I double checked online and am not signed up for e-bills, but for paper statements. I have been reluctant to go to an all e-bill system for expenses (water, power, internet, CC, etc), in part because of concerns with comp...
by Doom&Gloom
Fri Jul 06, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: “We have a lot to do, and very little time, so we must work slowly.”
Replies: 21
Views: 3852

Re: “We have a lot to do, and very little time, so we must work slowly.”

cheese_breath wrote:
Fri Jul 06, 2018 7:17 pm
We've got a long way to go and a short time to get there.
I'm east bound, just watch ol' Bandit run.

Jerry Reed
You beat me to it! :beer
by Doom&Gloom
Fri Jul 06, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Removing dead poison ivy
Replies: 24
Views: 1319

Re: Removing dead poison ivy

Roundup (the regular stuff) works poorly on poison ivy and other nuisance vines. There is a Roundup-branded poison ivy spray (it’s a different formula) and several other “vine and woody plant killers.” Use those on poison ivy. DW swears by the "yellow top" RoundUp for poison ivy. She prefers it ove...
by Doom&Gloom
Thu Jul 05, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: how to diagnose problem with cable internet speed
Replies: 27
Views: 2212

Re: how to diagnose problem with cable internet speed

How patient are you? If it were my provider and I called today, I would be lucky to get a tech out before the first of the month. [speaking from recent experience]

In the meantime, you can do all the troubleshooting you are capable of.
by Doom&Gloom
Thu Jul 05, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 2904

Re: Coffee Grinder recommendations

I've been using the Capresso 565 for years. Fabulous grinder. Not really made for swapping out beans though. You'd have to tilt the grinder and pour out the beans to do that. The grind is adjustable from course to powdery fine. It has a numbered timer so once you figure out which number produces th...
by Doom&Gloom
Thu Jul 05, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5310

Re: How to tip

General range for restaurants: 15% of pre-tax bill (for below-average service) to 20% of total bill (for excellent service). My average is ~20% of pre-tax. I will tip extra for very inexpensive meals, "specials," or truly outstanding service. I am not above leaving nothing for very bad service that ...
by Doom&Gloom
Thu Jul 05, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18055

Re: Morningstar: prepare for a lost decade for U.S. stocks

All together now: Let's veer from our course.

[and based upon one article]
by Doom&Gloom
Thu Jul 05, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Removing dead poison ivy
Replies: 24
Views: 1319

Re: Removing dead poison ivy

If you do get the poisin ivy on your skin, there is a great product designed specifically to remove the urushiol oil from your skin. It is called Tecnu. https://www.teclabsinc.com/products/poison-oak-ivy/tecnu +1 Our method is cut the vine (careful of any spatter) and/or Roundup. We usually allow M...
by Doom&Gloom
Wed Jul 04, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 7791

Re: Tipping at non sit down places

Not unless there is some above and beyond service or I am such a regular regular that the staff knows me well enough to anticipate my order, etc.
by Doom&Gloom
Wed Jul 04, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 6554

Re: Walking Coast-to-Coast

Awesome!

I read only the faq's you posted. That wore me out. Your dad would have been very proud. Congratulations and well done!
by Doom&Gloom
Tue Jul 03, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Dallas Trip
Replies: 20
Views: 1350

Re: Dallas Trip

ddurrett896 wrote:
Tue Jul 03, 2018 5:33 pm
Pappasito's Cantina!!!!
+1
by Doom&Gloom
Tue Jul 03, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 3787

Re: Neighbor's drainage issue causing problems

That really looks more like a slow leak in the ground than a drain.

Good luck in getting some cooperation from them!
by Doom&Gloom
Tue Jul 03, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5386

Re: Rodents ate my car!

Church Lady wrote:
Tue Jul 03, 2018 5:12 pm
Rupert wrote:
Tue Jul 03, 2018 12:21 pm
Buy a cat. Seriously.
Hmmn. We have feral cats in my neighborhood. Maybe they can't keep up?
Feed them a little bit so they will hang around your house more often. Put the food near your car.

And trap them, get them fixed, and turn 'em loose. No fix; no food. That's our program for them.
by Doom&Gloom
Tue Jul 03, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15166

Re: Retirement Destination - are you happy with your choice?

The concept of up and moving simply due to retirement is an odd one for me to grasp. I try to live where I want to live now, while I am working, have roots in the community, family, friends and we have a great network of people here. Starting over from scratch at retirement sounds exhausting. Obvio...
by Doom&Gloom
Mon Jul 02, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 4723

Re: Do you own just 5% of anything?

I thought I might until I looked. I have slightly more than 5% in the Vanguard REIT fund right now, but since there are REITs included in some of the other index funds I hold, it is well over the 5% line. Similar case with emerging markets--approximately 4% in a dedicated fund but almost certainly >...
by Doom&Gloom
Mon Jul 02, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9501

Re: What’s your plan for a market downturn?

This. I'll stock up on popcorn and it'll be better than a movie any day. It's only when the tsunami comes in that you see which of the overconfident should never have been that deep in the water in the first place. Personally, I'll be doing the same thing in a downturn as I do in a market upturn. F...
by Doom&Gloom
Mon Jul 02, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 106
Views: 14244

Re: Xfinity Mobile

Let the nerfing begin. From a recent e-mail from Xfinity Mobile: We wanted to let you know about two changes to your Xfinity Mobile service that'll go into effect in the coming weeks. Video resolution To help you conserve data, we've established 480p as the standard resolution for streaming video th...
by Doom&Gloom
Mon Jul 02, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9501

Re: What’s your plan for a market downturn?

Mostly enjoying the inevitable hysteria in the "stocks in freefall" thread. ... This. I'll stock up on popcorn and it'll be better than a movie any day. It's only when the tsunami comes in that you see which of the overconfident should never have been that deep in the water in the first place. Pers...
by Doom&Gloom
Sat Jun 30, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Local Bank Branch Consolidation - Huh?
Replies: 12
Views: 1013

Re: Local Bank Branch Consolidation - Huh?

Probably just trying to make customers feel like they have a neighborhood bank they can be comfortable with. No big deal imo.
by Doom&Gloom
Sat Jun 30, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Considerations in selecting a hearing aid
Replies: 21
Views: 1244

Re: Considerations in selecting a hearing aid

Late to this thread but anyway... I got my aids about a year ago and they have been a tremendous help in understanding the dialog in TV and movies especially, as well as conversations that are not directed specifically at me (like people talking in the back seat of the car for example). It's not pe...
by Doom&Gloom
Sat Jun 30, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 11
Views: 1499

Re: Vacation- home precautions?

Gosh, what a laundry list for a one-week trip. I do 4-5 one-week or longer trips a year and I simply set the thermostat to not kick on as often (whether it's heat in winter or AC in summer), take the trash out, close the blinds or curtains, unplug my laptop, tell one neighbor I will be gone until x...
by Doom&Gloom
Sat Jun 30, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1934
Views: 349727

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

55/40/5
Stocks/Bonds/REIT
Sliced & Diced

-0.1 YTD

*Boringgggg

*Not that there is anything wrong with that.
by Doom&Gloom
Fri Jun 29, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3846

Re: Best way to clean eyeglasses?

Have any of you ever seen a "cleaner" that was a piece of oil-soaked felt dispensed from a lipstick like container? I remember having one many years ago. It really did help with smudges. New smudges like fingerprints dissolved into the oily coating it left on the lens. Yep. I had those when I was a...
by Doom&Gloom
Fri Jun 29, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3846

Re: Best way to clean eyeglasses?

Completely dependent upon lens material and coating (if any) IME.
by Doom&Gloom
Fri Jun 29, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78138

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

I'm into Season 2 of Bloodline. The first season took some patience, and while I found just about every main character to be unlikable I was at least basically satisfied by how things played out. Now I'm a few episodes into the second season and having a hard time caring what happens to the Rayburn...
by Doom&Gloom
Fri Jun 29, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: [Do you subscribe to Consumer Reports?]
Replies: 31
Views: 2821

Re: [Do you subscribe to Consumer Reports?]

I dropped it this year after subscribing since the early '70s.

I just didn't find it very useful any longer. And the format, paper, print, etc of the magazine had been changing for 10 or more years--and not to my liking.
by Doom&Gloom
Thu Jun 28, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Used Hearing Aids
Replies: 8
Views: 605

Re: Used Hearing Aids

123 wrote:
Thu Jun 28, 2018 3:29 pm
Never heard of that.
I see what you did there.

Neither have I. Seems like an icky concept.