Search found 2082 matches

by Doom&Gloom
Tue Aug 21, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 37
Views: 1490

Re: Co-habitation agreement - ??

Sticking to the financial red flags rather than the relationship red flags:

He doesn't seem to be bringing much (anything?) to the party. This could turn into a real nightmare for her. Not so much (any?) risk for him.

I would not place myself in this position.
by Doom&Gloom
Tue Aug 21, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 97
Views: 4360

Re: Your major and investing/finance?

There are probably an equal number of math and engineering and psychology graduates who have gone to the dark side (non BH) ways of thinking using the same learned tools in those disciplines to justify poor choices and lifestyles leading them into a retirement not equal to what is presented here. +...
by Doom&Gloom
Mon Aug 20, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 77
Views: 3571

Re: Excessive Emergency Room Charges - Options?

OP, I agree with the consensus that you are likely tilting at windmills here. I think I would have accepted their offer of an interest-free six-month payment plan. But out of curiosity, what were your financial expectations when you went to the ER, while you were there, immediately afterward, etc? T...
by Doom&Gloom
Mon Aug 20, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 122
Views: 6343

Re: Reckless driving ticket in VA-Help!

Don't mess around with VA and reckless. Get a good lawyer and get it reduced. You do not want a class 1 misdemeanor criminal conviction on your record FOR LIFE (same category misdemeanor as a DWI/DUI and assault in VA). This is not a traffic issue in VA, it is a criminal conviction and you will hav...
by Doom&Gloom
Sun Aug 19, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 96
Views: 5190

Re: PCP Wants Full Charge Up Front

We have our health insurance through one of the large national outfits, and our plan specifies a co-pay for office visits at the PCP of $20.00. Recently, the PCP announce that effective at a date shortly in the future, they will require $120.00 up front, which will be reimbursed as warranted, presu...
by Doom&Gloom
Sat Aug 18, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 69
Views: 6228

Re: Edward Jones rep door knocking

FBN2014, You can move to a gated community to curtail such visits. We have one gated community in my town. I know the code, though. I suspect everyone does. The EJ door to door is part of the I just never answer my door unless I am expecting someone. Why answer the door if you don't know who it is?...
by Doom&Gloom
Sat Aug 18, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 46
Views: 4010

Re: Credit Card Fraud - $30K

Surprise to me you monitor your credit score more frequently than your account. Don’t you check all your accounts monthly? Seems main impact to credit would come after non-payment and may result in contacting credit company later than their requirements for fraud alert. I have many unused credit ca...
by Doom&Gloom
Sat Aug 18, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 122
Views: 6343

Re: Reckless driving ticket in VA-Help!

I got a really bad ticket in an area far from home. I was doing 21 over the speed limit. I was pretty much in a panic, as I knew it was going to be bad, expensive, and a court nowhere close to home. All my friends suggested a lawyer, but warned me that would be expensive. I called the court clerk a...
by Doom&Gloom
Fri Aug 17, 2018 2:28 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: 667
Views: 57797

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

I ran into an interesting obstacle today while trying to transfer into one of these new funds from another Fidelity fund. I apologize if this has been mentioned but I have only read bits and pieces of this thread. Fidelity customer service informed me that my Rollover IRA is in the "old" mutual fun...
by Doom&Gloom
Fri Aug 17, 2018 1:08 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: 667
Views: 57797

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

I ran into an interesting obstacle today while trying to transfer into one of these new funds from another Fidelity fund. I apologize if this has been mentioned but I have only read bits and pieces of this thread. Fidelity customer service informed me that my Rollover IRA is in the "old" mutual fund...
by Doom&Gloom
Thu Aug 16, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 39
Views: 2339

Re: Non-owner contributing to home renovations: what's fair?

delamer wrote:
Thu Aug 16, 2018 8:01 pm
If you “do not commingle your finances and have no plans to,” then why would you agree to a set up that gives your partner a claim on your house or other assets?
This.

Renovate and maintain your own homes and maintain separate finances. What could be cleaner financially?
by Doom&Gloom
Thu Aug 16, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1562

Re: Mail order pharmacy

Humana allows you to reorder your 90 day meds after two months from your initial fill. So does our Kaiser plan. Makes it very, very convenient. I think this is a common option; so does my Aetna Part D plan. Also, many posters seem to think that 90 day meds are only an option if you mail order. I ha...
by Doom&Gloom
Thu Aug 16, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2707

Re: Sign - Speed checked by Radar

Are speed limits relevant in the era of self driving vehicles? When that day comes I wouldn't be surprised if maximum speeds are required to be put into the vehicles's programming. That would make it a true "limit" rather than a stern suggestion with a potential penalty. If speed limits are impleme...
by Doom&Gloom
Wed Aug 15, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credi card balance transfer offer
Replies: 10
Views: 866

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: 4642

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: 54
Views: 4371

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: 107
Views: 7307

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: 115
Views: 7677

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: 2360

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: 2360

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: 3406

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: 1137

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: 1675

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: 3350

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: 115
Views: 7677

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: 1973

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: 77
Views: 4820

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: 4587

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: 6277

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: 4587

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: 6277

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: 8996

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: 775
Views: 83442

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: 1370

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: 775
Views: 83442

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: 6
Views: 458

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: 710

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: 775
Views: 83442

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: 2447

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: 667
Views: 57797

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: 4605

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: 7039

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: 631

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: 4696

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: 667
Views: 57797

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: 1833

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: 11872

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: 11872

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: 5523

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 ...