Search found 1597 matches

by Doom&Gloom
Fri Jan 19, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 92
Views: 10594

Re: Xfinity Mobile

Xfinity ported our three numbers from AT&T with no issues at all. Two Androids and one iPhone, if it matters. We bought phones from Xfinity very soon after they began offering cell service. (See my earlier posts itt.) I would think that if they had any kinks in that area, they would have been worked...
by Doom&Gloom
Fri Jan 19, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 53
Views: 3057

Re: 4k UHD TVs worth it?

... frugal thing to do is to use my current TV for the rest of my life or until it breaks, but what fun would that be! ... :sharebeer No fun at all. I walked through Costco last week. They have you run a gauntlet of flat screens as you enter the store. I am not ordinarily a visual type. But the LG ...
by Doom&Gloom
Thu Jan 18, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 81
Views: 7436

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

My crystal ball said 73.54% chance of correction. 82% of statistics are made up on the spot; only 17% of people know that. :beer But the more decimal places that are used, the more accurate and authoritative it seems to the typical reader. (Not BH readers, of course. Well, not 97.325% of them.)
by Doom&Gloom
Thu Jan 18, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 222
Views: 24629

Re: Hitting The Sell Button

“The last two years of the bull markets are the best,” he said. “The minimum return of the last two years of the U.S. cycle is 30% minimum. So it’s very, very dangerous to be out of the market.” OK. So the question is when did or when will the 2 year period start? I didn't read the link, but I'm gu...
by Doom&Gloom
Wed Jan 17, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 92
Views: 10594

Re: Xfinity Mobile

I don't think they did a hard pull when we got three phones. I have seen no indication that they did. We had been long-time Comcast suckers if that might make a difference.
by Doom&Gloom
Tue Jan 16, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4244
Views: 1145108

Re: U.S. stocks in freefall

The time to panic is when all about you are losing their heads. Or something like that. All good things must end. This too shall pass. Tomorrow is another day. Buy low; sell high. You'll never go broke taking a profit. Bulls can make money. Bears can make money. Pigs get slaughtered. I'm sure there ...
by Doom&Gloom
Tue Jan 16, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Withdrawal Plans
Replies: 6
Views: 920

Re: RMD Withdrawal Plans

I just went through this headache with Schwab. Unlike Vanguard, Schwab would not allow me to do anything at all prior to the calendar year that I qualify for RMDs. But at that point Schwab did calculate my RMD without my requesting them to do so. I eventually found an option on their site to request...
by Doom&Gloom
Tue Jan 16, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 150
Views: 21276

Re: Who else hates choosing a car?

Maybe therapy? :happy

Life is too short for such agonizing. Make a decision. Accept that it is ok if it isn't the perfect decision. Act upon it. Don't second-guess yourself. Most importantly, move on to more important things.

Good luck!
by Doom&Gloom
Mon Jan 15, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Selling one owner car. Give new owner service records?
Replies: 15
Views: 1184

Re: Selling one owner car. Give new owner service records?

aspirit wrote:
Mon Jan 15, 2018 9:36 pm
I see it as adding a discernible value factor to your pricing model. :D
This.

Why not?
by Doom&Gloom
Sun Jan 14, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1356

Re: Anyone Gone All the Way with LastPass?

Not until the third date.

I have not used LastPass, but I put everything into KeePass the first day I installed it. I would almost certainly do the same with LastPass if KeePass did not exist or I decided to quit using it.
by Doom&Gloom
Sun Jan 14, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2139

Re: Do you correct cashier mistakes?

Always have, but after several experiences where the clerk/server argued with me about the original tab being correct, I slightly modified my stance. I will inform them once. If they correct it, fine. If they tell me I'm wrong, I let it go. It isn't worth my time to argue about someone else's mistak...
by Doom&Gloom
Fri Jan 12, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fund order within Vanguard Brokerage Account
Replies: 9
Views: 554

Re: Fund order within Vanguard Brokerage Account

livesoft wrote:
Fri Jan 12, 2018 5:10 pm
I have only one fund per account, so I avoid this issue. :twisted:
My ex- used to say, "Assign the toughest jobs to a lazy man. He will find the simplest way to do them!"

j/k. Nothing personal.
But my ex- did seem to ask me to do a lot. :sharebeer
by Doom&Gloom
Fri Jan 12, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4448

Re: Help me stop my addiction to stock market peeping!

Put a couple rubber bands on your wrist, Every time you "peek". Pull the rubber bands and let them "snap" on your wrist to produce a stinging effect. It will aid you in "conditioning" your behavior http://www.collaborativefund.com/blog/the-thrill-of-uncertainty/ :beer Skinner Excellent +1 But for t...
by Doom&Gloom
Thu Jan 11, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 8004

Re: How much/little money to give kids in will so they continue to work

Folks, Many of the lottery winners went bankrupt after 10 years. If the kids never manage more than 5 figures of money and were given 7 figures as inheritance, it may not end well. So, if someone is going to give/leave 7 figures to their children, please give them 5 figures while they are teenagers...
by Doom&Gloom
Thu Jan 11, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 4944

Re: Getting your spouse on the same page

There is. Lots of prior threads on the subject. Have you searched?

Edit: And welcome to BH!
by Doom&Gloom
Thu Jan 11, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 33
Views: 1455

Re: Cars in college

Right now we have 3 vehicles for 4 drivers. Ah, that’s how I got my Camaro. My wife said he’s really gonna need a car for college commuting and work, maybe you should get something else. My youngest son got my 2005 Camry, I got a 2014 CPO at a good price. Only one initial “no” before she said “oh, ...
by Doom&Gloom
Thu Jan 11, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Forget Customer Service--Vanguard has lousy Computers
Replies: 22
Views: 3129

Re: Forget Customer Service--Vanguard has lousy Computers

Everybody has lousy computers. I have IRAs at Vanguard, Fidelity, and Schwab. I must begin RMDs this year, and I decided to withdraw from each rather than combine my RMDs from just one--partially because I wanted to set up electronic transfer capability from each "just in case" I might need that abi...
by Doom&Gloom
Thu Jan 11, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4448

Re: Help me stop my addiction to stock market peeping!

Put a couple rubber bands on your wrist, Every time you "peek". Pull the rubber bands and let them "snap" on your wrist to produce a stinging effect. It will aid you in "conditioning" your behavior :happy :thumbsup It has helped me break several bad habits It is a tried and true method. It should b...
by Doom&Gloom
Wed Jan 10, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Help with what to do with drafty fireplace
Replies: 26
Views: 1314

Re: Help with what to do with drafty fireplace

The cheapest and most efficient thing to do is to seal it and not use it. For ambiance, stick a tv in front of the fireplace and stream a video of a fire. :) Also check your home owners insurance for any sticky bits about wood heat and fireplaces. This is what we did with ours after years of not us...
by Doom&Gloom
Wed Jan 10, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 43
Views: 3253

Re: Letter from Social Security re Fraudulent Claim

As others above have stated, this from the Office of the Inspector General, Social Security Administration website . . . If a person has questions about any communication—email, letter, text or phone call—that claims to be from SSA or the OIG, please contact your local Social Security office, or ca...
by Doom&Gloom
Wed Jan 10, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 43
Views: 3253

Re: Letter from Social Security re Fraudulent Claim

As others above have stated, this from the Office of the Inspector General, Social Security Administration website . . . If a person has questions about any communication—email, letter, text or phone call—that claims to be from SSA or the OIG, please contact your local Social Security office, or ca...
by Doom&Gloom
Wed Jan 10, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 33
Views: 1455

Re: Cars in college

DD had a car for four years at a school ~100 miles from home. Freshman year required to live in a dorm; other three years off-campus due to lack of dorm space. No issues other than a speeding ticket. DS is attending college ~150 miles from home and has had a car since his freshman year when he lived...
by Doom&Gloom
Wed Jan 10, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Sell Sports Car and Invest or Keep for Fun Factor
Replies: 25
Views: 1162

Re: Sell Sports Car and Invest or Keep for Fun Factor

You will get very different responses from this forum than you would from a car forum.

I'm not much of a car guy anymore, but here is my 2c (unless you really, really need the money)--YMMV: I have never regretted keeping a "fun" car too long, but I have regretted selling several too early.
by Doom&Gloom
Tue Jan 09, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Noise in my attic
Replies: 307
Views: 77451

Re: Noise in my attic

Sandtrap,
I haven't heard a sonic boom in decades, but if memory serves, if that was what you heard, some of your neighbors would certainly have heard it as well.
by Doom&Gloom
Tue Jan 09, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing effect of first speeding ticket
Replies: 28
Views: 2039

Re: Minimizing effect of first speeding ticket

You could consider giving your insurance agent a call and asking about the effect of the speeding ticket. DW got a speeding ticket for 47 in a 35 IIRC, and called our agent as she was considering taking the optional 3-hour lecture to avoid the cost of the ticket but unsure of the potential effect on...
by Doom&Gloom
Mon Jan 08, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 210
Views: 17671

Re: Memo to those who have won the game: it's time to quit playing

It is not so much the various arguments about CAPE, changes to GAAP earnings, long time drift upwards, etc. that make me think we may be nearing the top, but it is the fact that i am starting to notice more posts like this one: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=237289#p3708720 . ...
by Doom&Gloom
Mon Jan 08, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: protecting future inheritance
Replies: 31
Views: 2868

Re: protecting future inheritance

whodidntante wrote:
Mon Jan 08, 2018 1:44 pm
bubbadog wrote:
Sun Jan 07, 2018 10:01 pm
Have you had a frank conversation with your father about your concerns?
This. It's his money.
This as well.

Framing the question as "How to help my parents protect their assets" would probably have allowed OP (and his readers) to view the situation more appropriately.
by Doom&Gloom
Mon Jan 08, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 94
Views: 3960

Re: Are Password Managers Really Necessary?

DW refuses to use a password manager despite my best efforts. She insists on using slightly different versions of two or three primary passwords. Fortunately she doesn't use them for any sites for she which would have a huge financial exposure--just massive inconvenience--imo. Even with her doing th...
by Doom&Gloom
Sun Jan 07, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2297

Re: "Sharing" Internet/WiFi with neighbors?

I generally think most posters on BH are far more conservative than I am, but in this case I would be concerned about someone knocking on my door with a warrant to search for kiddie porn.

Even if the risk of that is slight, I prefer to sleep soundly.
by Doom&Gloom
Fri Jan 05, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23159

Re: What frugal thing did you do today?

bearcub wrote:
Fri Jan 05, 2018 1:19 pm
While in the laundromat I noticed a woman putting her clothes in a dryer. On the phone she told a friend she would be right over. A half hour walk was no problem. So I opened her dryer + threw my clothes in with hers. Got dryed for free. She never knew.
ewww

Some things are worth a few quarters.
by Doom&Gloom
Fri Jan 05, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9620

Re: Effects of extreme cold weather

Do you have to leave every faucet at a trickle, or just one for the whole home? Depends on what you are trying to protect. I'm only concerned about the inlet and outlet lines of my 2 water heaters located in my attic, so I leave one hot water faucet on a sink from EACH water heater dripping. If I w...
by Doom&Gloom
Thu Jan 04, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9620

Re: Effects of extreme cold weather

Limoncello402 wrote:
Thu Jan 04, 2018 4:05 pm
Ugh. Dealing today with a cracked frozen radiator and ice all around the hardwood floor. Heating guy is here for hours. Not a pretty sight. We are in an extreme cold snap that is continuing for days on end (MN).
"Ugh" is right. Good luck.
by Doom&Gloom
Thu Jan 04, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Non Public-traded REIT nightmare continues
Replies: 16
Views: 1995

Re: Non Public-traded REIT nightmare continues

An advisor talked me into buying some shares of a real estate limited partnership in the early 80's. He assured me that it would be liquidated within 5-7 years. The last chunk of it was liquidated ca. 2010. What a royal PITA that thing was. K-1 forms to deal with at tax time every year. There was n...
by Doom&Gloom
Thu Jan 04, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Non Public-traded REIT nightmare continues
Replies: 16
Views: 1995

Re: Non Public-traded REIT nightmare continues

An advisor talked me into buying some shares of a real estate limited partnership in the early 80's. He assured me that it would be liquidated within 5-7 years. The last chunk of it was liquidated ca. 2010. What a royal PITA that thing was. K-1 forms to deal with at tax time every year. There was no...
by Doom&Gloom
Thu Jan 04, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 222
Views: 24629

Re: Hitting The Sell Button

I have been pretty quick to rebalance to get to my target AA for the past year or so, but no thoughts of changing the AA. I did accelerate my timing to scrape some "off the top" of my stock allocation this week to set aside for my first RMD. That will be less than a drop in the bucket of difference,...
by Doom&Gloom
Wed Jan 03, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: Did everyone in the early 80s have their money in CDs?
Replies: 77
Views: 6141

Re: Did everyone in the early 80s have their money in CDs?

No CDs for me, but I did begin investing in a 457 program at work when my employer began offering it. I directed nearly all of my allowed contributions ($7500/yr IIRC) to a bond fund. In spite of what I am sure were horrible fees, my investment performed quite well. I only worked there for 5 years, ...
by Doom&Gloom
Wed Jan 03, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Wireless Ability for Surround Sound Rear Speakers
Replies: 11
Views: 731

Re: Wireless Ability for Surround Sound Rear Speakers

I'm not sure what your cut-off for "inexpensive" is, but this works well for me: https://www.bestbuy.com/site/rocketfish-universal-wireless-rear-speaker-kit-black/8275528.p?skuId=8275528 I have been using one of these for several years without issue. But note that it is not completely wireless. It i...
by Doom&Gloom
Mon Jan 01, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 10854

Re: Any Instant Pot users here?

DW was thrilled to get her IP for Christmas--surprised me. She was so happy that she made room for it on the kitchen counter rather than insisting on moving it in and out of a cabinet. That also surprised me, but maybe the size and weight of the 8-qt model had something to do with her decision. Her...
by Doom&Gloom
Mon Jan 01, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 285
Views: 32771

Re: Netflix, Your Current Favorite Show

ruralavalon wrote:
Mon Jan 01, 2018 2:34 pm
Midsomer Murders.

We are currently in season five of nineteen seasons, and enjoy it quite a bit.

We watch Netflix daily, don't watch many regular TV shows.
We really enjoyed that one. We hated hitting the final episode. Enjoy!
by Doom&Gloom
Mon Jan 01, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5741

Re: Keeping a checkbook register

So how many Bogleheads actually reconcile their checkbooks? I don't know how many, but I do every month. And, if it's off a penny, I search for it until I find it :) Same here. Long-time habit and I see no reason to change now. With online banking it only takes seconds each time I log in to my acco...
by Doom&Gloom
Sun Dec 31, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 285
Views: 32771

Re: Netflix, Your Current Favorite Show

+1 to:
Peaky Blinders
The Detectorists
Godless

And not current, but:
Death in Paradise
The Doctor Blake Mysteries
Hinterland
by Doom&Gloom
Sun Dec 31, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9235

Re: I Want to Buy a Horrible, Expensive Car

I'd wait a month or two and see if the concussion wears off by then. Seriously though, if you can't shake the itch, I would only lease one of those and only 2-3 years. Just know you'll be spending a ton of money to rent a fancy car. They are such pieces of junk. I have had several friends have one ...
by Doom&Gloom
Sun Dec 31, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Pros and cons of 0%apr credit cards
Replies: 12
Views: 1054

Re: Pros and cons of 0%apr credit cards

I've floated debt on 0% apr cards for a long time, making minimum payments. I am paying off one BoA card in January after a year at 0%, and I'm currently floating another 0% debt on an AmEx card. My experience is that the issuers do what they say they will do and it truly is interest free money if ...
by Doom&Gloom
Sun Dec 31, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23159

Re: What frugal thing did you do today?

VictoriaF wrote:
Sun Dec 31, 2017 3:29 pm
Today I did not use the air conditioner.

Victoria
Excellent!

I did the same--and expect to continue to do so for at least the next week! :sharebeer
by Doom&Gloom
Sun Dec 31, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3703

Re: Car headlights or Daytime Running Lights - what do you do?

When I drive with headlights, I turn on the fog lights as well. They don't do a lot for me being able to see, but I believe they make my car more visible than without them. I notice a lot of people around here drive with their fog lights on when there is no fog. I always wonder if this is intention...
by Doom&Gloom
Sun Dec 31, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3703

Re: Car headlights or Daytime Running Lights - what do you do?

When I drive with headlights, I turn on the fog lights as well. They don't do a lot for me being able to see, but I believe they make my car more visible than without them. I notice a lot of people around here drive with their fog lights on when there is no fog. I always wonder if this is intention...
by Doom&Gloom
Sun Dec 31, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3703

Re: Car headlights or Daytime Running Lights - what do you do?

All of our cars have an "auto" setting which turns the DRLs on unless it is dark enough to turn the headlights on. I use that setting but will over-ride it when the car proves itself to be dumber than I am, as it does occasionally.
by Doom&Gloom
Sat Dec 30, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm - Letter Received today
Replies: 11
Views: 2467

Re: State Farm - Letter Received today

Interesting, I just opened a letter from my State Farm agent that "in about 30 days, you'll receive a new Homeowners policy. Your current policy will no longer be available. Information will arrive in two separate envelopes. Getting a new Homeowners policy won't affect any of your discounts. The ch...
by Doom&Gloom
Sat Dec 30, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: NC or SC beach area summer rentals for big group
Replies: 19
Views: 1012

Re: NC or SC beach area summer rentals for big group

A friend of mine gets together with his huge extended family every year at Corolla NC. Lots of huge houses. Much less "touristy" than a lot of places.