Search found 794 matches

by LynnC
Thu Jan 17, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57905

Re: John Bogle has died at age 89

Rest in peace, dear Jack. You gave so much to us.

Lynnc
by LynnC
Tue Jun 19, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 505
Views: 134637

Re: Anyone regret paying off mortgage early?

Being debt free is the best feeling ever! LynnC I paid off my mortgage at 34. I haven't carried debt since. And I disagree that being debt free is the best feeling ever. In fact, to me, it has been surprisingly anticlimactic. Do I regret it? No. But that's because dwelling on the past is useless. W...
by LynnC
Sun Mar 18, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1570
Views: 170247

Re: Netflix, Your Current Favorite Show

7 seconds was good. Look past some of the plot pointsand ithought it was very very well done. Jessica jones is great to kill time. We are watching that one now. (7 seconds) Enjoying it and acting is great! Just finished season 5 of Bates Motel. We liked Sneaky Pete on Amazon too. Season 2 just came...
by LynnC
Sun Feb 04, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1570
Views: 170247

Re: Netflix, Your Current Favorite Show

We are enjoying Dirty Money also.

Shot in the Dark, about photo journalists in LA, who get the shots at night.

Mr. LynnC really liked Taken and Luther.

LynnC
by LynnC
Tue Dec 26, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3732

Re: Should we downsize?

123 wrote:
Tue Dec 26, 2017 2:18 pm
You're both doing well. Having a "Happy Home" is a major contributor to your family's sense of well being. You should stay.
+1
Who cares what others say or think? This wonderful home will be paid off soon and maybe you might decide to grow your family and fill those extra rooms.

LynnC
by LynnC
Sun Dec 24, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Implications of tax bill on residential real estate (house prices)
Replies: 62
Views: 7394

Re: Implications of tax bill on residential real estate (house prices)

Our property taxes in my town are 1.25% of purchase price with a new cap of $10,000, which includes state and local taxes. Did you mean for this say what it clearly says? That the combination of property and state and local income taxes in your town cannot exceed $10k/year? Yep....if your property ...
by LynnC
Sun Dec 24, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Implications of tax bill on residential real estate (house prices)
Replies: 62
Views: 7394

Re: Implications of tax bill on residential real estate (house prices)

From all angles right now, it appears just a few states will be really hit, and hit hard, California, NY, NJ and Connecticut. Living in Southern California, some of the lowest priced homes start at $750. The realtors here say they will be horribly impacted. Our property taxes in my town are 1.25% of...
by LynnC
Wed Dec 06, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 28281

Re: Do people still use AAA?

BogleMelon wrote:
Wed Dec 06, 2017 1:42 pm
Yes, I have AAA 100 miles service. The peace of mind is costly, but sometimes it worth it.
[/quote

+1 cheap insurance and I am never changing a tire!

LynnC
by LynnC
Sun Nov 19, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 250
Views: 36246

Re: Why pay cash for a car?

Sandtrap wrote:
Sun Nov 12, 2017 6:26 pm
I prefer No monthly payments on anything. Zero Debt.
Very old school perhaps but I like the sleep factor.
+1. It may be old school, but the freedom factor is priceless

LynnC
by LynnC
Tue Oct 31, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 8526

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

Zelle is payment transfer system supported by most of the big banks. I use them for my renters and to pay my daycare. No issues with either. https://www.zellepay.com/get-started Thanks, Mervin! I learned something new today. I thought Venmo was the only way to do this. I see Zelle allows my bank an...
by LynnC
Fri Sep 08, 2017 2:33 pm
Forum: US Chapters
Topic: IRMA coming to South Beach in Miami
Replies: 18
Views: 2805

Re: IRMA coming to South Beach in Miami

Take care Mel.
My thoughts are with you, Taylor and all those in the path.

LynnC
by LynnC
Mon Jul 24, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Three credit card scams ATTEMPTED this week
Replies: 9
Views: 2452

Re: Three credit card scams ATTEMPTED this week

For the transactions where a higher amount went through, what type of merchants were they, what types of products were you purchasing and what was the product price & authorization amount? Hi bluebolt, I have used my VAN on high amounts and low amounts...usually don't have a problem. The one who ga...
by LynnC
Sun Jul 23, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: Three credit card scams ATTEMPTED this week
Replies: 9
Views: 2452

Re: Three credit card scams ATTEMPTED this week

Ahhh, Mel, my friend. Nice to "see" you again, too. For those who don`t know, Mel was the one who told us to back up the truck and load up with series I bonds when you could buy them on line. All is good here with us, hope you and yours are the same. Still kicking....and shopping....and shopping...u...
by LynnC
Sun Jul 23, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Three credit card scams ATTEMPTED this week
Replies: 9
Views: 2452

Re: Three credit card scams ATTEMPTED this week

Thank for your reply. I always do add at least 10% for things you mention. My point of this post was mainly to let my fellow Diehards know protection by their cc companies is available and it is a safe way to shop. Sometimes companies do make mistakes and it does seem easier to be able to stop the t...
by LynnC
Sun Jul 23, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 146
Views: 16358

Re: Is Amazon Prime worth it?

The Amazon Prime credit card is very useful, and makes Amazon cost effective. I can't speak to the Amazon Video movies, since we prefer watching series. Some Amazon video that we have enjoyed include: Sneaky Pete Good Girls Revolt (much better than the title would suggest, unfortunately not renewed...
by LynnC
Sun Jul 23, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Three credit card scams ATTEMPTED this week
Replies: 9
Views: 2452

Three credit card scams ATTEMPTED this week

Hello to my dear Diehards, I haven't posted in awhile, but wanted to share this with you. Just THIS week, Mr. LynnC and I have had our credit cards '"ALMOST" hyjacked by three well known companies. Their names are not as important as this message I have for you about shopping on line and using eithe...
by LynnC
Mon Dec 26, 2016 2:56 pm
Forum: US Chapters
Topic: My Christmas Gift to You.
Replies: 98
Views: 11221

Re: My Christmas Gift to You.

So good to *see* you, Taylor, my friend. Thank you and Merry Christmas. May the New Year bring you joy.

LynnC
by LynnC
Thu Jun 02, 2016 12:45 pm
Forum: Personal Investments
Topic: Help wiht 403B investing
Replies: 15
Views: 1292

Re: Help wiht 403B investing

I IMHO the usual offerings for teacher's 403b plans is criminal Amen! If you have a story, or know somebody that has a story, PM me. A NY Times reporter is looking into the annuity practices of public school 403b annuities. Yes, IMO, it is criminal, but all perfectly legal. Hey Steve, Correct me if...
by LynnC
Tue May 31, 2016 11:52 am
Forum: Personal Investments
Topic: Help wiht 403B investing
Replies: 15
Views: 1292

Re: Help wiht 403B investing

It is my guess the district will only let you "invest" with companies that have Hold Harmless agreements on file with the county. You will have to do some legwork. It took many teachers a long time to get around the high price and annuities that many districts would offer. You need to get over to St...
by LynnC
Mon May 23, 2016 2:51 pm
Forum: Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 7040

Re: Need Moral Support for FA Breakup!

I'll do it for you (figures rounded) Thanks, Taylor (and everyone else)! Now I'm really confused as to what his angle will be. Off the cuff, this doesn't strike me as though it's blowing away the market, but I'd need to get weight everything properly. You do not need an angle or an argument. Here i...
by LynnC
Tue Apr 26, 2016 11:42 am
Forum: Personal Investments
Topic: Public school teacher - 403(b) and 457(b) question
Replies: 5
Views: 1246

Re: Public school teacher - 403(b) and 457(b) question

lifebeckoness, welcome to the forum! Yes, I think it's common for school districts to use third party administrators for their 403b's and 457b's. If Vanguard is on the TPA's list, your GF is fortunate! Unfortunately it's not uncommon to see only insurance companies with annuities, funds with loads,...
by LynnC
Sun Apr 03, 2016 12:52 pm
Forum: Personal Investments
Topic: Father wants me to invest 15,000 for him.....
Replies: 23
Views: 3248

Re: Father wants me to invest 15,000 for him.....

gwrvmd wrote:Put it all in Vanguards Wellington Mutual Fund, 2/3 stock and 1/3 bonds. He will do well and you cannot be criticized for the advise.....Gordon
+1, Gordon.

LynnC
by LynnC
Wed Dec 30, 2015 3:38 pm
Forum: Personal Consumer Issues
Topic: Should I just give my wife (folded) money?
Replies: 76
Views: 12141

Re: Should I just give my wife (folded) money?

DH and I bought ourselves a new french door refrigerator for Christmas. Loving it!

LynnC
by LynnC
Thu Dec 24, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on groceries?
Replies: 109
Views: 11406

Re: How much do you spend on groceries?

I don't keep track of expenses to this level of detail, but I can tell you that weekly trips to the super market typically run $100 to $120. Plus a monthly trip to Costco for typically $400 but both of these shopping trips include things other than groceries. I would estimate that groceries for a f...
by LynnC
Wed Dec 23, 2015 3:22 pm
Forum: Personal Consumer Issues
Topic: Should I just give my wife (folded) money?
Replies: 76
Views: 12141

Re: Should I just give my wife (folded) money?

I would go for something that you know she likes, but step it up a little bit. Gift card to a massage place, stylist, great coffee or chocolate, nice pictures from fun trips, weekend getaway that you may enjoy too. Try to have a little fun with it. Make it fun! I once gave my husband a "coupon book...
by LynnC
Tue Dec 22, 2015 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 18575

Re: Biggest lucky break in your personal finances?

1. Marrying a man on my same page in so many ways, especially financially.

2. Firing my broker

3. Finding Taylor Larimore, Jack Bogle and Vanguard.

Merry Christmas and Happy Holidays everyone!

LynnC
by LynnC
Mon Dec 14, 2015 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: USAA eligibility
Replies: 7
Views: 1865

Re: USAA eligibility

If you call and give tell them who your parents were USAA can check whether their prior membership qualifies you. USAA is a great company and that is the way I would handle it. Maybe you need a supervisor to make the final determination. I am thinking if your parent was an officer in the military, ...
by LynnC
Sun Dec 13, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: Holiday tipping: letter carriers
Replies: 120
Views: 12877

Re: Holiday tipping: letter carriers

We don't tip because we think the person "needs" it. We do it because we get pleasure out of it. We tip the mailperson, newspaper delivery person, trashman, my leaf guy. Just about anyone who does things for us. And from our experience it all comes back in one form or another. Well, Robert, I agree...
by LynnC
Tue Nov 24, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: Gift ideas for teachers?
Replies: 26
Views: 2986

Re: Gift ideas for teachers?

If you're buying a gift for my teacher wife....she likes gift cards to Academy sports, West Marine, Lowes, Home Depot....just kidding... All kidding aside, my wife loves getting the notes from parents (or even the occasional email) to show appreciation, but if you must buy an actual gift, any gift ...
by LynnC
Mon Oct 26, 2015 12:54 pm
Forum: Personal Investments
Topic: Proven Non-Index Funds
Replies: 55
Views: 7479

Re: Proven Non-Index Funds

jjface wrote:Another vote for Vanguard Wellington.
Another vote for Wellington!

LynnC
by LynnC
Mon Oct 05, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Suggestions from Netlfix (or possibly Amazon) fans?
Replies: 62
Views: 7862

Re: Suggestions from Netlfix (or possibly Amazon) fans?

Forgot about:

Bloodline
The Killing

LynnC
by LynnC
Mon Oct 05, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: Suggestions from Netlfix (or possibly Amazon) fans?
Replies: 62
Views: 7862

Re: Suggestions from Netlfix (or possibly Amazon) fans?

oxothuk wrote:Longmire
Agree about Longmire, along with:

Breaking Bad
House of Cards
The Glades
Frankie and Grace
Death in Paradise, British humor at its best.

Can't quite get over to Amazon when Netflix is so rich with good movies and great series

LynnC
by LynnC
Thu Oct 01, 2015 2:43 pm
Forum: Personal Investments
Topic: [How do I] short a stock
Replies: 28
Views: 3320

Re: I would like to short a stock that just reverse split.. how the hell do I short?

If I didn't understand it, I wouldn't do it. Just saying

LynnC
by LynnC
Mon Sep 21, 2015 2:39 pm
Forum: Personal Consumer Issues
Topic: VW/Audi Diesel Recall
Replies: 118
Views: 15077

Re: VW/Audi Diesel Recall

The thought has probably crossed your mind that the US isn't the only country that tests emissions and certifies vehicles, and that the software could be similarly modified in every market to meet test requirements. Tick-tock.... AGREE. In California, I don't know how these cars will EVER be able t...
by LynnC
Sun Jul 26, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4859
Views: 1261455

Re: What Movie Have You Recently Watched?

Hector and the search for Happiness, on Netflix.

What a delightful fun romp!

LynnC
by LynnC
Sat Jul 18, 2015 11:55 am
Forum: Personal Investments
Topic: What to do with ~$100k?
Replies: 7
Views: 1713

Re: What to do with ~$100k?

Welcome to the forum.
Do what the others have stated and do NOT be in a rush. Take your time. This could grow into a nice nest egg for you that you will be happy you tucked away.

Good luck.
LynnC (an old timer :happy )
by LynnC
Tue Apr 14, 2015 9:42 am
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 32862

Re: Neighbor hired a surveyor. Should I be nervous?

Civil Engineer here and I deal with this type of issue frequently for my commercial development clients. If you are in a standard subdivision with regular lots all approximate the same size you have little to worry about. As mentioned previously he may have needed an ALTA survey for refinancing, ho...
by LynnC
Sun Feb 08, 2015 2:56 pm
Forum: Personal Investments
Topic: Wellington vs Life Strategy Moderate Growth
Replies: 11
Views: 2996

Re: Wellington vs Life Strategy Moderate Growth

Toons wrote:Either or but If I was forced to choose one,,,Wellington :happy
I did chose one, also...Wellington Admiral shares. I like the fact that it is actively managed and has been around since 1929,

LynnC
by LynnC
Sat Jan 31, 2015 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 7987

Re: POLL: How Will You Complete Your 2014 Taxes?

I leave the things I do not want to do or cannot do, to the professionals. If I am ever audited, my CPA will represent.

LynnC
by LynnC
Wed Jan 21, 2015 3:29 pm
Forum: Personal Consumer Issues
Topic: Lexus RX330 vs RX350
Replies: 22
Views: 19634

Re: Lexus RX330 vs RX350

We had a 2006 RX330 that we kept until last April and traded for a 2014 RX350. Both are/were great cars. Oddly enough, the bigger 2014 vehicle, that takes regular gas (versus the 2006 that required Premium gas) gets slightly better mileage. Newer technology I guess. You should understand that if yo...
by LynnC
Fri Jan 09, 2015 3:38 pm
Forum: Personal Consumer Issues
Topic: Emergency Road Service..........
Replies: 36
Views: 5144

Re: Emergency Road Service..........

I have been an AAA member for many years and am satisfied with their service. I must admit, however, that I don't think I really get my money's worth from membership currently, but, it is like other insurance in that you buy it hoping that you don't have to use it. Agreed, but good peace of mind. A...
by LynnC
Tue Jan 06, 2015 1:36 pm
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 5678

Re: Let's Celebtate! Which funds are you buying in 2015?

No comment for fear of being chastized again by Taylor and having his post be nominated for best post of the year (meaning nothing better will come along). - ouch! :wink: Oh, please! :happy I am staying put with my VG Wellington in my IRA and my individual stocks on my taxable side. Selling now wou...
by LynnC
Sun Jan 04, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 5640

Re: Paper Statements

Am I the only one who cannot give-up receiving financial statements in paper form? I do not feel comfortable otherwise. Am I wrong to feel this way? You are not wrong! I take my quarterly or year end statements in paper, but proxy stuff, I vote on line. I also like the paper bonds and will not buy ...
by LynnC
Sat Jan 03, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: Poll: How long have you been with your current AA?
Replies: 44
Views: 3766

Re: Poll: How long have you been with your current AA?

obgyn65 wrote:I have always been very conservative with my investments, therefore my answer is about 25 years or "10 + years" .
+1 I adhere to Larry's wisdom, "If you don't need the risk, don't take it".

LynnC
by LynnC
Sun Dec 28, 2014 3:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4859
Views: 1261455

Re: What Movie Have You [Recently] Watched?

The529guy wrote:Her. Weird, but recommended.
Tried "HER" last night and had to turn it off about 45 minutes into it. I found it be really depressing and VERY weird.

Switched over to "The Heat" with Mellisa McCarthy and Sandra Bullock. Always good for a laugh, but beware the language, if easily offended.
by LynnC
Thu Dec 25, 2014 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ultimate Boglehead Year End Checklist
Replies: 30
Views: 3871

Re: Ultimate Boglehead Year End Checklist

- Charitable contributions (can obviously be done anytime, but I like to do my charitable contributions at the end of the year to simplify record-keeping for tax purposes) - Cash out any rewards that have accumulated on my cash back credit cards - Incur any medical costs you'd prefer to incur this ...
by LynnC
Thu Dec 25, 2014 1:11 pm
Forum: US Chapters
Topic: My Christmas Message To You -- 70 Years Ago.
Replies: 58
Views: 7980

Re: My Christmas Message To You -- 70 Years Ago.

Taylor, my friend

I never get tired of reading your Christmas message to us all. I hope to read it for many more years!

Thanks for all you do and have done for us.

Merry Christmas!

LynnC
by LynnC
Sat Dec 06, 2014 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 15797

Re: Am I being cheap?

I would have married my husband with a cigar wrapper as a band. I agree with Laura. This is really about what? A big waste of wedding money or showing her friends what a big diamond you gave her....meaning what? Are you financially compatible? You need to have this talk...now Talk to her and see wha...
by LynnC
Fri Nov 14, 2014 12:04 pm
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 14224

Re: Does anyone here make "fun" purchases.

regarding your draperies: Take a picture and see if you can find what you want a little cheaper. I had mine made by a woman who owned her own drapery business. I got just what I wanted for a lot less than 5k. I picked the material and she made my draperies which a lined and gorgeous and about 12 yea...
by LynnC
Sun Sep 28, 2014 1:01 pm
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 5313

Re: favorite brand name products

placeholder wrote:
notmyhand wrote:Advil Ibuprofen - can't stand the generic non-coated tablets, taste like chalk
Walgreens has coated tablets which are often on sale (I got mine BOGO).
Costco has the liquid gels.

PEPSI Cola....I like the diet, caffeine free

LynnC