Search found 1686 matches

by Doom&Gloom
Thu Sep 04, 2014 11:23 am
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 4647

Re: Hidden car key a thing of the past?

The "key" is to only put the key in one or two places no matter what. One is my pocket and the other is a specific place in the house. No exceptions. This is how I handle it as well. My wife has had a car with a fob for 7 years. She has not lost one yet, so it can't be that big of an issue :D . In ...
by Doom&Gloom
Wed Sep 03, 2014 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 66
Views: 102095

Re: Rewards credit card advice

Will converting a card give you the rather large sign up bonus for the card? If not, I would simply apply for a card. If they balk at the amount of credit, you can then ask that they transfer the credit. I think the current bonus is at 40,000 points, so it is well worth trying to get the bonus. +1 ...
by Doom&Gloom
Fri Aug 29, 2014 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 83989

Re: Hw many credit cards to own?

Anyone like the BarclayCard Arrival? Been thinking about it but don't like having more than 1 fee card at a time I do not have it, but from what I read, the new Citi 2% cash-back card trumps this one in practically every aspect. And there is no annual fee. There is a thread on the Citi card on this...
by Doom&Gloom
Fri Aug 29, 2014 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 240
Views: 586214

Re: New 2% cash back Mastercard from Citi

I'm glad to see this. I hope it results in a round of competition among the credit card companies for our business. I just looked through my recent CC statements on the cards I already have and had trouble finding too many purchases where this card would benefit me. I already get 6% on groceries and...
by Doom&Gloom
Tue Aug 26, 2014 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 83989

Re: Hw many credit cards to own?

From what I've read SM does get 5% at Amazon except for purchases of downloaded media, which is quite odd since the 5% is supposed to apply to bookstores. I just got a SM and can confirm that Kindle downloads are 1%. I haven't made other purchases with it at Amazon yet, but will report back when I ...
by Doom&Gloom
Tue Aug 26, 2014 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 83989

Re: Hw many credit cards to own?

From what I've read SM does get 5% at Amazon except for purchases of downloaded media, which is quite odd since the 5% is supposed to apply to bookstores. I just got a SM and can confirm that Kindle downloads are 1%. I haven't made other purchases with it at Amazon yet, but will report back when I ...
by Doom&Gloom
Tue Aug 26, 2014 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Ameriprise
Replies: 10
Views: 1605

Re: Leaving Ameriprise

bloom2708 wrote:You will not regret the move to Vanguard. Congrats.
Or the loss of a friendship if it was so fragile that all that it took was that.

Congratulations on making the move.
by Doom&Gloom
Tue Aug 26, 2014 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for Mom at 86 years
Replies: 23
Views: 2542

Re: Portfolio advice for Mom at 86 years

OP, I almost envy your situation. Your post mirrors almost exactly the circumstances of my MIL. The major differences are that her accounts are with a local bank rather than Edward Jones and she has no tax-deferred account. And again, what is her appetite for making changes? Many 86 year olds don't ...
by Doom&Gloom
Fri Aug 22, 2014 6:25 pm
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 60
Views: 6759

Re: No room on your Windows hard drive? Cleanup Update files

Did that and still didn't work. I then found out you have to be logged on as the Administrator for this to work. I usually am not logged in as Administrator when I'm on my computer (security reasons). So... it would have been nice if the article had mentioned that. Once I did that I removed almost ...
by Doom&Gloom
Fri Aug 22, 2014 2:24 pm
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 60
Views: 6759

Re: No room on your Windows hard drive? Cleanup Update files

Went through the process described in the article, but the option "Windows Update Cleanup" does not appear so I can't select it. How come? Be sure not to leave out the step to run Disk Cleanup as Administrator. I skipped that the first time I tried, and the Windows Update Cleanup option did not app...
by Doom&Gloom
Wed Aug 20, 2014 2:15 pm
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 46
Views: 3977

Re: Driving Trip Planning

For on the fly, on the road, planning I find a car GPS invaluable. I'll have in-car navigation available, but it doesn't allow pre-planning motel stays. Not sure what in-car navigation you have, but if it's Garmin, check out their free download of BaseCamp. In fact, you may be able to use that for ...
by Doom&Gloom
Mon Aug 18, 2014 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 83989

Re: Hw many credit cards to own?

I couple this with the Sallie Mae card for 5% gas/groceries and Amazon for 3% and it's been pretty solid. Doesn't your Sallie Mae card return 5% for Amazon purchases, too? Old posts here and here : I get 5% back on gas, groceries, and books (including all amazon.com purchases) through the sallie ma...
by Doom&Gloom
Sun Aug 17, 2014 7:15 pm
Forum: Personal Consumer Issues
Topic: Options on Watching NFL Games
Replies: 22
Views: 3170

Re: Options on Watching NFL Games

If you have access to NFL RedZone, you might want to try it. We love it. We've given up watching "real" games on Sundays in favor of RedZone. I love RedZone--and it is available on Comcast. The best part is no commercials. Even if there is a particular game on another channel that I want to watch, ...
by Doom&Gloom
Sat Aug 16, 2014 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand my credit report
Replies: 14
Views: 2312

Re: Help me understand my credit report

There are three Credit Reporting Agencies in the US. You are entitled to one free report from each CRA per year. I'd suggest that you get in the habit of requesting a report from the CRA's every four months on a rotating basis to monitor if anything untoward is showing up. "Number of accounts report...
by Doom&Gloom
Fri Aug 15, 2014 6:39 pm
Forum: Personal Consumer Issues
Topic: Teaching teen to drive
Replies: 31
Views: 2091

Re: Teaching teen to drive

My kids drive really well. They didn't get a license at 16, but they did get learners permits and were made to drive at every possible opportunity with a parent in the passenger seat. And that includes driving to school. Practice. Practice. Practice. If a parent prevents the teenager from practicin...
by Doom&Gloom
Fri Aug 15, 2014 6:37 pm
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 123
Views: 15825

Re: Telephone Calls! Help! [Telemarketing phone calls]

You'll get used to the one-rings. Initially, as an old person who grew up thinking phone calls had to be answered, I'd get halfway out of my chair and then realize it was a robo call. By now, as far as I'm concerned, it's not a phone call until the second ring :D and I don't budge until then. Thank...
by Doom&Gloom
Fri Aug 15, 2014 2:04 pm
Forum: Personal Consumer Issues
Topic: Teaching teen to drive
Replies: 31
Views: 2091

Re: Teaching teen to drive

I've long thought that a father was the worst person to teach a teen to drive. I'm sure it was both when I was a teen and a parent. I've also observed that to be the case with friends, but I seriously doubt it is a universal truth. Looking back, I learned a lot about driving from my dad, but it was ...
by Doom&Gloom
Thu Aug 14, 2014 5:28 pm
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 123
Views: 15825

Re: Telephone Calls! Help! [Telemarketing phone calls]

I set up Nomorobo five days ago, and I'm very pleased with the results. I estimate my "junk" calls are down about 70%. I still receive calls listed from "cell phone" and from spoofed local numbers, but the one-ring calls being short-circuited by Nomorobo are music to my ears. I'm sure I'll get annoy...
by Doom&Gloom
Wed Aug 13, 2014 12:52 pm
Forum: Personal Consumer Issues
Topic: Amazon Gift Card Fraud
Replies: 30
Views: 6139

Re: Amazon Gift Card Fraud

Change your password for Amazon. I'd probably change all my other "important" passwords as well, but definitely my e-mail password and the passwords on any sites that you may use the identical password that you use for Amazon. Whoever got your password got it from somewhere unless it was a relativel...
by Doom&Gloom
Wed Aug 13, 2014 12:10 pm
Forum: Personal Consumer Issues
Topic: Amazon Gift Card Fraud
Replies: 30
Views: 6139

Re: Amazon Gift Card Fraud

Trader Joe wrote:Cancel your credit card.
A better alternative would be to discuss changing your card number with AMEX. They should have already considered this when the fraud was reported.
by Doom&Gloom
Wed Aug 13, 2014 12:08 pm
Forum: Personal Consumer Issues
Topic: Amazon Gift Card Fraud
Replies: 30
Views: 6139

Re: Amazon Gift Card Fraud

Glad it worked out for you.

You might consider going into your accounts on your credit cards' websites and setting "Alerts" to let you know via e-mail and/or cellphone when a charge has been made without your card being present.
by Doom&Gloom
Wed Aug 13, 2014 11:53 am
Forum: Personal Finance (Not Investing)
Topic: What do you put in your safety deposit box?
Replies: 68
Views: 13264

Re: What do you put in your safety deposit box?

Coin collection; deceased parents' jewelry; some insurance policies; wife's family photographic negatives from the pre-digital days; cash; and flash drives with backups of files, photographs and music.
by Doom&Gloom
Sun Aug 10, 2014 10:40 pm
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 123
Views: 15825

Re: Telephone Calls! Help! [Telemarketing phone calls]

Thanks to everyone who recommended Nomorobo. I had never heard of it prior to this thread. I just set it up and am looking forward to seeing how effective it is. My landline is via Comcast. Setting up Nomorobo was a bit of a challenge as it could not be done directly on Comcast's website, but had to...
by Doom&Gloom
Fri Aug 01, 2014 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Need Perspective and Advise
Replies: 21
Views: 2267

Re: Need Perspective and Advise

Thanks......so far what I heard confirms my suspicions, I have much to learn and that is why I appreciate all this feedback. Out of courtesy,as agreed, I probably will meet with this adviser to hear their proposal. Received a lot of good talking points here which I might just use, please keep them ...
by Doom&Gloom
Tue Jul 29, 2014 12:31 pm
Forum: Personal Consumer Issues
Topic: Cell phone control devices for teen drivers?
Replies: 36
Views: 3167

Re: Cell phone control devices for teen drivers?

texasdiver wrote:I will definitely do that. My child is pretty middle of the road so it should be a good test.
I couldn't help LOL'ing at the part I bolded! Good luck! And I do commend you for trying to do something for what is a pervasive problem (IMO) these days.
by Doom&Gloom
Mon Jul 28, 2014 1:22 pm
Forum: Personal Consumer Issues
Topic: Cell phone control devices for teen drivers?
Replies: 36
Views: 3167

Re: Cell phone control devices for teen drivers?

I don't mean to sound snippy, but: Cell phone control devices for teen drivers = Parents My best suggestion is what we have done for our 16 y/o as we have similar concerns. He has been taught not to talk or text while driving. We know that guarantees nothing, but we believe he is responsible enough ...
by Doom&Gloom
Sat Jul 26, 2014 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 7797

Re: Old people and financial advisors - a family tale

Sorry to say this type of behavior is not uncommon at any age. I have a friend who's been with Morgan Stanley for almost 20 years. He tells me about being taken to ball games and BBQs all paid for by his buddy, his advisor. When friends wife retired, she joined up with MS too, and in her second yea...
by Doom&Gloom
Sat Jul 26, 2014 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 7797

Re: Old people and financial advisors - a family tale

His situation sounds similar to my MIL's. She is 86 and has a mid-six figure account being managed by a local banker. She is quite miserly and her only wish for this investment money is to grow to the next "round number" so her three children will each inherit a smaller "round number." I don't think...
by Doom&Gloom
Wed Jul 23, 2014 3:59 pm
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 31
Views: 3216

Re: Plasma

I would go plasma. I agree. Own 3 and very sad to see the technology disappearing. Here you go http://www.amazon.com/Samsung-PN60F5300-60-Inch-1080p-Plasma/dp/B00BCPGYZM Love my plasma. Nice warm tones, deep blacks. Fast refresh rate. Good for sports. I have three as well. I dread the day that one ...
by Doom&Gloom
Wed Jul 23, 2014 1:35 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 27
Views: 2164

Re: Anyone been to Charleston, SC?

We went over Thanksgiving last year for the first time and really enjoyed it. We stayed at a B&B near the Battery, so walking nearly everywhere we wanted to go was a snap. We had burgers etc at Tatooed Moose; the food was good but the ambiance was probably better suited to just having a few beers. W...
by Doom&Gloom
Tue Jul 22, 2014 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 3314

Re: Slice and Dicers -- Plans when you can't manage it anymo

I just got my finances organized with Vanguard this year. I S&D, but my plan is to "lose" one fund per year either through re-balancing (or simply transferring if no re-balancing is necessary). I hope I live long enough to reach a 3 or 4 fund portfolio! In addition, I have left detailed written inst...
by Doom&Gloom
Tue Jul 22, 2014 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can I manage a new CC?
Replies: 13
Views: 1482

Re: Can I manage a new CC?

I agree with the others about holding off applying for a CC or any other kind of loan until after you have been approved for your mortgage. In the meantime you can spend some time learning how to maximize the benefits of the cards you have and deciding what areas you need to focus on when you do app...
by Doom&Gloom
Mon Jul 21, 2014 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 83989

Re: Hw many credit cards to own?

I have four, and a fifth is on its way. I've become spoiled by receiving cash back and sign-up offers, and now wish to maximize rewards in all major spending categories. Yes, now that you mention it, I think the $100 and $300 sign-up offers are what got me into newer cards, not the rewards points. ...
by Doom&Gloom
Mon Jul 21, 2014 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 83989

Re: Hw many credit cards to own?

I have four, and a fifth is on its way. I've become spoiled by receiving cash back and sign-up offers, and now wish to maximize rewards in all major spending categories.
by Doom&Gloom
Fri Jul 18, 2014 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 3112

Re: Buy a condo for college?

OP, assuming you went to college, you will be able to see where I am going easily. If not, take my word for it. A great part of college is the college experience. For most colleges if not commuter colleges that can include being on campus, that is, right there for all activities, lectures, talks, h...
by Doom&Gloom
Wed Jul 16, 2014 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Why does anyone use American Express?
Replies: 146
Views: 282066

Re: Why does anyone use American Express?

I use the Blue Cash Preferred... 6% back on up to $6K in groceries. That's $360 less a $75 fee.. net $285 to me. If I use my Fido Amex (no fee) for 2% cash back that's $120 net to me. We spend about $6K .. maybe a smidgeon less annually on groceries. Seems pretty simple to me. WHY? Low hanging frui...
by Doom&Gloom
Wed Jul 16, 2014 3:40 pm
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 5605

Re: Snake!

This is one of the few subjects that my wife actually did her own internet research on recently :happy She ended up placing mothballs at points near our house where we had seen King snakes after I refused to kill them. We have had a couple of copperheads in the yard in the past, and recently a feral...
by Doom&Gloom
Mon Jul 14, 2014 3:08 pm
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 8591

Re: america the beautiful national parks and lands pass

All right, enough off-topic arguing. The OP wants to know what to use his pass for. I would say he should use it at the most expensive parks now that he has apparently bought it. No point in using it at a bunch of free or $5 parks. I think these are the most expensive ones: Grand Canyon, Zion, Yose...
by Doom&Gloom
Mon Jul 14, 2014 12:57 pm
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 9288

Re: Oil Change due: Synthetic vs Regular Oil

1210, I suspect from the oil requirement stated in the owner's manual (and your lack of reply to the make, model, and year of car) that you do not have a high-performance (e.g., turbo) engine in the car. Those engines most always require a pure synthetic oil. What do you own? Sorry about make/model...
by Doom&Gloom
Mon Jul 14, 2014 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Unique situation
Replies: 17
Views: 3138

Re: Unique situation

Yes, already filing as a professional, and itemizing. I had no idea about the 401k! I wonder why my accountant never suggested that? I know quite a few professional gamblers, and many have reported frustrations with their accountants. Accountants are almost universally unfamiliar with the tax laws ...
by Doom&Gloom
Sun Jul 13, 2014 10:05 pm
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 150
Views: 21391

Re: Who else hates choosing a car?

Choosing has never been much of a problem. It is everything after that which is the problem. I love the process of choosing a car. Since 1985 I have bought a new car every ten years. I usually start with a review of the Consumers' Reports car issue to narrow down what I'm interested in. I then resea...
by Doom&Gloom
Sun Jul 13, 2014 7:39 pm
Forum: Personal Consumer Issues
Topic: Birthday gift for a 10 year old girl
Replies: 28
Views: 2885

Re: Birthday gift for a 10 year old girl

One of my current pet peeves is the heavy reliance on gift cards by people now. Solicited or un? When one granddaughter wanted an iPod touch, she asked for Target gift cards. She didn't expect one person to buy her a touch, but by pooling her friends' and family's gifts, she got the touch she wante...
by Doom&Gloom
Sun Jul 13, 2014 5:08 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 135632

Re: Boglehead Beer

Sbashore wrote:My Boglehead beer is whatever I want regardless of cost (within reason). My Boglehead ways made this possible. :happy
+1

Although I generally prefer wheat beers, my current favorites are St Bernardus abt 12 and Brother Thelonius.
by Doom&Gloom
Sun Jul 13, 2014 5:04 pm
Forum: Personal Consumer Issues
Topic: Birthday gift for a 10 year old girl
Replies: 28
Views: 2885

Re: Birthday gift for a 10 year old girl

I am almost totally anti-electronic device gifts for kids younger than mid-teens. But in the long-run, it probably doesn't matter. Looking back on my own birthday gifts at that age, I can remember only one from my parents or other relatives. But the birthday gifts that I do recall were from a neighb...
by Doom&Gloom
Sat Jul 12, 2014 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 19740

Re: List of Worst financial advice (what not to do):

One of mine: it almost qualifies as a triple-header, but a couple are more properly classified as poor decisions by me. 35 years ago I had some inherited money invested with a "full-service" broker. My account executive went into business for himself as a "financial planner," and I followed him with...
by Doom&Gloom
Sun Jun 29, 2014 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 4750

Re: Paperless Statements (bank checking acct)

I went paperless almost as soon as our bank offered it. I don't recall ever looking at a statement on-line, though perhaps I did initially. There seems to be no need as I can balance my accounts each time I log on to pay a bill, transfer funds, or just to "check something". A few months ago, I final...
by Doom&Gloom
Sun Jun 29, 2014 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 14002

Re: Who do you talk with about your financial goals?

Only with total strangers on the internet. Not even my wife. Unfortunately, she is not a "financial-goal-oriented" person but rather in the financial-spend camp. I was raised in an environment where discussing financial matters in more than the most general terms was considered to be quite rude. It ...
by Doom&Gloom
Thu Jun 26, 2014 9:14 am
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 4301

Re: Best Road Trip Vehicle

StarbuxInvestor wrote:One that avoids the summer vacation season.
LOL! But so true.

OP, it very much depends upon what is important to you. Comfort? Ability to pack tons of stuff? Ability to drive off-road? Something you can sleep in? A fun, sporty ride? Open-air view? Two seats, four seats, more seats?
by Doom&Gloom
Thu Jun 26, 2014 9:05 am
Forum: Investing - Theory, News & General
Topic: NY Times: Not enough younger investment advisors
Replies: 72
Views: 9434

Re: NY Times: Not enough younger investment advisors

Seems like simple supply and demand.