Search found 2083 matches

by Doom&Gloom
Tue Mar 29, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Re-thinking Umbrella Insurance - just up Auto/Home Instead
Replies: 80
Views: 8488

Re: Re-thinking Umbrella Insurance - just up Auto/Home Instead

Perhaps I am worse than I thought at using internet search engines, but are there data about the number of claims that have been paid by umbrella insurance for a given (recent) year? By state?
by Doom&Gloom
Mon Mar 28, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Preventing soil from gathering on driveway
Replies: 14
Views: 2680

Re: Preventing soil from gathering on driveway

A picture would be very helpful. If your driveway is repeatedly to the point of collecting enough soil for grass to grow, sounds like your 4" hill is rapidly eroding away. FWIW, we have a 3 FOOT hill going down to our driveway. In a heavy rain, water flows down the hill and across the driveway. Gra...
by Doom&Gloom
Sun Mar 27, 2016 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: The Urge to Splurge with Plastic NYT article
Replies: 30
Views: 3827

Re: The Urge to Splurge with Plastic NYT article

Additionally, I buy a fair amount of stuff at Amazon (Prime). It's unclear how one might pay their bill at Amazon.com with cash if they wanted to. So I'm thinking the words antiquated and irrelevant might best apply to studies like this... Same here. I can't imagine that if I shopped exclusively lo...
by Doom&Gloom
Sun Mar 27, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance-Notice of Non Renewal
Replies: 37
Views: 4479

Re: Auto Insurance-Notice of Non Renewal

Both events had police reports and exchange of insurance information as required at most accidents. At both events my son was not cited by the police,but deemed at fault. Erie did have to pay for repairs of the other party's vehicles but not ours because I fixed his car myself. This sums it up. Ins...
by Doom&Gloom
Fri Mar 25, 2016 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 14385

Re: Financially, how have you done/doing vs. your parents?

It depends very much upon how you slice it. Baby-boomer here who grew up in a poor region of the US. There is no doubt that I saved more, have a better-assured retirement, and had far more leisure time at all stages of my life than my parents. However, my parents had it far better financially than t...
by Doom&Gloom
Fri Mar 25, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: What passive things you do beside investing??
Replies: 44
Views: 5224

Re: What passive things you do beside investing??

I'm as lazy as the next fellow, but this appears to be a terrible analogy as well as a horrible mindset.
by Doom&Gloom
Fri Mar 25, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 5325

Re: How to get rid of poison ivy

livesoft wrote:This thread started days ago, so the poison ivy must be dead by now.
Try convincing my wife that it is that easy :happy
by Doom&Gloom
Thu Mar 24, 2016 9:05 pm
Forum: Personal Consumer Issues
Topic: Birthday Gift To Techie Husband
Replies: 38
Views: 3428

Re: Birthday Gift To Techie Husband

My 2c: do not give a tech-related gift to a techie husband. It is almost guaranteed to be something that he would not have chosen himself. Get him something absolutely "non-techie."
by Doom&Gloom
Tue Mar 22, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 5325

Re: How to get rid of poison ivy

As others said, Roundup or equivalent is the tool you need. And Spring is the time to get after it. We've got 12 acres and used to have a major problem. But over time, I've almost eliminated it. Unfortunately, birds bring the seeds back in from time to time. So I do a couple "poison patrols" every ...
by Doom&Gloom
Tue Mar 22, 2016 6:54 pm
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 5325

Re: How to get rid of poison ivy

Walleyewhacker wrote:You can get round up that gets poison ivy, works well but anything it touches is going to die.
This.

Especially the "yellow top" RoundUp." My wife has a vendetta against poison ivy, so I have to keep her from overdoing it. But the "yellow top" is all she will use.
by Doom&Gloom
Tue Mar 22, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Jetted Tub
Replies: 6
Views: 723

Re: Jetted Tub

We have one that we use, but we don't use the jets. We clean ours by running it periodically to flush out the accrued crud. Occasionally we will add a little bleach to the water when we flush it out.
by Doom&Gloom
Tue Mar 22, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 154
Views: 15107

Re: How have your homes as investments done?

Not having to deal with a landlord: Priceless!
by Doom&Gloom
Sun Mar 20, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 97
Views: 14977

Re: Early Retirees - What triggered you to retire?

What was your decision of early retirement based on? Was there a triggering event (other than having enough money to do so)? I'm asking because I could easily retire financially yet I'm still working full time. I'm 56 and could retire on 1 to 1.5% withdrawals rates. Plus, I can collect a pension at...
by Doom&Gloom
Sat Mar 19, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: What steps to take to decrease likelihood of credit card fraud
Replies: 31
Views: 2756

Re: What steps to take to decrease likelihood of credit card fraud

It seems to me that, at this point, it is more important to use a card issued by an institution that is capable of resolving the problem expeditiously. I had several fraudulent usages on a Chase card several years ago, and one attempt that was caught pre-emptively by AMEX a couple of years ago. All ...
by Doom&Gloom
Thu Mar 17, 2016 9:18 pm
Forum: Personal Consumer Issues
Topic: Well, I caved [bought new car]
Replies: 43
Views: 8201

Re: Well, I caved [bought new car]

The only downside for me to having a new car is that it makes you spoiled. It's hard to go back to driving an old, used car after you've experienced buying a new car! I dunno about this. While I wouldn't buy an old, used car, continuing to drive my current vehicle that's received regular maintenanc...
by Doom&Gloom
Thu Mar 17, 2016 3:36 pm
Forum: Personal Consumer Issues
Topic: Well, I caved [bought new car]
Replies: 43
Views: 8201

Re: Well, I caved [bought new car]

There's nothing wrong with buying a new car. Enjoy your purchase. +1 The last used car I bought was in 1984--and I should have bought a new one then. Traded it for a new one the next year. My personal experience was that in a search for a bargain price, I usually ended up buying someone else's prob...
by Doom&Gloom
Wed Mar 16, 2016 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Teen New Driver Insurance & Debit Card Recommendation
Replies: 14
Views: 1670

Re: Teen New Driver Insurance & Debit Card Recommendation

Last part first: I found two previous threads in which I, among others, posted suggestions re: credit/debit cards for teens. There may well be other threads. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=175872 https://www.bogleheads.org/forum/viewtopic.php?f=2&t=165190 I suspect there are pr...
by Doom&Gloom
Wed Mar 16, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: Should I have my kids participate in school fundraisers?
Replies: 78
Views: 7489

Re: Should I have my kids participate in school fundraisers?

In the grand scheme of "things to worry about when your kid goes to school", months before they are even in class, this is pretty close to the bottom of my list. Simply writing a check to get your kids or yourself out of something contributes to affluenza. You can google it. Especially when other k...
by Doom&Gloom
Tue Mar 15, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Should I have my kids participate in school fundraisers?
Replies: 78
Views: 7489

Re: Should I have my kids participate in school fundraisers?

Due to work schedules, I'm the primary parent for my children while they are in public school. It's my decision to make, hence is why I'm looking into it. If it is so demeaning to your children and/or offensive to you, maybe you could join the PTA/PTO as soon as they begin school and suggest better...
by Doom&Gloom
Tue Mar 15, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: VaraCrypt problem?
Replies: 7
Views: 1152

Re: VaraCrypt problem?

OK, I just figured out what was happening. When you use Cntl / C with KeyPass you have 12 seconds before the clip board is cleared. I never noticed that before. I guess I was taking longer that the 12 seconds. Problem solver. Thanks for your help. You can change the time limit in the Options panel ...
by Doom&Gloom
Tue Mar 15, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: LASIK surgery
Replies: 23
Views: 3300

Re: LASIK surgery

Would LASIK be good for 50+ YO eyes? I know I would still need reading glasses. Thanks. I don't know. But a 51 y/o friend of mine recently went to be evaluated for LASIK and the guy he saw recommended cataract surgery instead. Even though my friend is likely to follow through on that doc's recommen...
by Doom&Gloom
Mon Mar 14, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: VaraCrypt problem?
Replies: 7
Views: 1152

Re: Keypass problem

This may not be your issue, but I had a similar problem with a website (can't recall which). It turned out that my password saved in KeePass was too long even though it had worked previously. Apparently the website had shortened the maximum length of allowed passwords for no apparent reason. To see ...
by Doom&Gloom
Fri Mar 11, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: Is corrective lens restriction removal from DL necessary? [Driver's License]
Replies: 29
Views: 14340

Re: Is corrective lens restriction removal from DL necessary?

You do have corrective lens ... they are implanted. M + 1 +1. Couldn't resist. Translation: DL requires corrective lenses + yours are implanted = you are in compliance. shh! I would hate for my wife to find out that so many people here agree with her opinion. I do, as well, but it was not a well-re...
by Doom&Gloom
Wed Mar 09, 2016 10:12 pm
Forum: Personal Consumer Issues
Topic: Is corrective lens restriction removal from DL necessary? [Driver's License]
Replies: 29
Views: 14340

Re: Is corrective lens restriction removal from DL necessary?

Thanks for all the responses. It seems my inclination to worry about it if it does become a problem is the way to go. I'll try to relax and carry on! Legally you are supposed to report it and get the restriction removed. In my state you submit a form signed by a professional licensed to test vision,...
by Doom&Gloom
Wed Mar 09, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: What are you frugal with, what are you not, but still buy?
Replies: 53
Views: 6279

Re: What are you frugal with, what are you not but still buy?

Not sure if it is exactly "frugal," but I tend to buy almost everything based on bang-for-the-buck and durability. Clothing, shoes, etc are inexpensive but durable. I have no desire or need to dress "nicely." We buy new cars with features we like, so not cheap but not top-of-the-line either, and we ...
by Doom&Gloom
Wed Mar 09, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: Is corrective lens restriction removal from DL necessary? [Driver's License]
Replies: 29
Views: 14340

Is corrective lens restriction removal from DL necessary? [Driver's License]

Has anyone here gone through the process of having the restriction of wearing corrective lenses being removed from a driver's license? Or is it even necessary in the case below? I recently had cataract surgery and the implanted lenses have resulted in ~20/20 vision. [State law for DL requires 20/40 ...
by Doom&Gloom
Thu Mar 03, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: [Any risk in] Paying cash for services [when offered a discount]
Replies: 61
Views: 10225

Re: Paying cash for services

I've had many CTR's filed and presumably even more SAR's. It is a requirement for financial institutions to file them, and there has been a much stronger emphasis for them to do so within the past few years under the "know your customer" banner. Usually the customer is unaware that either has been f...
by Doom&Gloom
Wed Mar 02, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: [Any risk in] Paying cash for services [when offered a discount]
Replies: 61
Views: 10225

Re: Paying cash for services

OP, you are getting some really bad legal advice from some prior posters. You are simply paying a contractor for services actually rendered using the national currency. This is a moral/ethical, not a legal, issue for you. If you feel bad about it, write the guy a check. If you don't, pay cash, take...
by Doom&Gloom
Wed Mar 02, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: [Any risk in] Paying cash for services [when offered a discount]
Replies: 61
Views: 10225

Re: Paying cash for services

OP, you are getting some really bad legal advice from some prior posters. You are simply paying a contractor for services actually rendered using the national currency. This is a moral/ethical, not a legal, issue for you. If you feel bad about it, write the guy a check. If you don't, pay cash, take...
by Doom&Gloom
Thu Feb 25, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: Comcast modem upgrade
Replies: 25
Views: 10660

Re: Comcast modem upgrade

If you are concerned that Comcast will blame your own modem and charge for the service call, you can consider their service plan for indoor wires. In my area is $5 a month, a rip-off, but still cheaper than paying the modem rental. It is true Comcast will first try to blame your own modem, says the...
by Doom&Gloom
Wed Feb 24, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: What insurance/warranty products do you consider a waste of money?
Replies: 64
Views: 5962

Re: What insurance/warranty products do you consider a waste of money?

Thanks for the clarification. That makes sense. I finally considered that possibility, but it was long after my response.
by Doom&Gloom
Wed Feb 24, 2016 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What insurance/warranty products do you consider a waste of money?
Replies: 64
Views: 5962

Re: What insurance/warranty products do you consider a waste of money?

I don't think I've ever met anyone who wasn't an above-average driver. Most consider themselves to be excellent.

The roads must be far safer than they appear :?
by Doom&Gloom
Wed Feb 24, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Accounts
Replies: 66
Views: 7723

Re: Bank Accounts

I don't think I have had a savings account since they quit using passbooks.

I have two checking accounts--at the same bank. One individual and one joint account with my wife.
by Doom&Gloom
Tue Feb 23, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated wtih how boring personal finance is
Replies: 50
Views: 7912

Re: Frustrated wtih how boring personal finance is

betterfinances wrote:
Fallible wrote:What is your age?
37
Congratulations! But more importantly:

If you can't find something to relieve your boredom at age 37, you need to get away from the internet more often.
by Doom&Gloom
Tue Feb 23, 2016 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: What insurance/warranty products do you consider a waste of money?
Replies: 64
Views: 5962

Re: What insurance/warranty products do you consider a waste of money?

What insurance you carry depends on whether you can afford to take the hit, should it occur. In some cases, the decision depends on where you are in life. What is correct for one person may not be suitable for another. Here are some examples I think are wrong for most people: - Life insurance on ch...
by Doom&Gloom
Mon Feb 15, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a new bed recently? [Mattress]
Replies: 59
Views: 11472

Re: Anyone bought a new bed recently?

Can anybody with latex tell me how difficult it would be to flip the mattress with only one person? I've only got a full, but I've heard they're murder to corral because they're so gelatinous. We have a king 6" latex (firm) mattress with a 3" latex (soft) topper. We flip or rotate the topper relati...
by Doom&Gloom
Mon Feb 15, 2016 6:27 pm
Forum: Personal Consumer Issues
Topic: At what age for video games?
Replies: 29
Views: 2849

Re: At what age for video games?

I think it happened at about age 11 here. We allotted a certain number of hours per day (a bit more on weekends) that he could watch TV or play video games or both. He could choose which but could not exceed the total time we allotted. Early on, homework being done first was strictly enforced. Later...
by Doom&Gloom
Sun Feb 14, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: Child Using the Computer (precautions to take)
Replies: 8
Views: 923

Re: Child Using the Computer (precautions to take)

I would buy a cheap (used?) laptop for the child to use. No way would I let a 6 y/o near my primary PC.
by Doom&Gloom
Sun Feb 14, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a new bed recently? [Mattress]
Replies: 59
Views: 11472

Re: Anyone bought a new bed recently?

Your best resource is probably found at: http://www.themattressunderground.com +1 +2 Reading there convinced us that there is no "one size fits all" when it comes to mattresses. We decided to try a latex mattress which hadn't been on our radar at all. After about a year, we are still loving it.
by Doom&Gloom
Sat Feb 13, 2016 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: help please, burden of sister-in-law threatens happy marriage
Replies: 41
Views: 6361

Re: help please, burden of sister-in-law threatens happy marriage

I don't want to give my sil a penny until she agrees to change her behavior: live on a budget which includes keeping track of every expense, lower commuting costs, using in-network doctors, putting her son on a set allowance, etc. To date, my sil has refused to do any of this. my wife on the other ...
by Doom&Gloom
Sat Feb 13, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: help please, burden of sister-in-law threatens happy marriage
Replies: 41
Views: 6361

Re: help please, burden of sister-in-law threatens happy marriage

Here is the most relevant part of your post, IMHO: 3) she understands we won't let her live on the street and will allow herself to get into financial trouble knowing we'll bail her out I completely agree. It is going to be practically impossible to achieve your overall objective while this conditi...
by Doom&Gloom
Tue Feb 09, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 72
Views: 7616

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

I avoid your "Big Hassle" by keeping my CC #'s, expiry dates, codes, etc in the "Notes" section of KeePass which I use for all my passwords. It only takes about 30 seconds to change an automatic payment or a stored CC on any particular merchant's site. Simple. I find it unnecessary to keep a separa...
by Doom&Gloom
Tue Feb 09, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 72
Views: 7616

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

I have my credit card hacked about once a year now.... Just the nature of the Beast. I just had it hacked again 2 days ago and it is fresh in my mind. I use a credit card for everything if possible. Not a big deal, they issue me a new credit card and remove the Fraud Charge. In all of my cases the ...
by Doom&Gloom
Sat Feb 06, 2016 5:07 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 353
Views: 59866

Re: Decided to try timing the market. 100% short on 9/17/15

If he was on the level, I'll give the OP credit for one thing. He came on here and posted for all to see when he was moving long and short on the market, so that we all could evaluate the success or failure of his strategy. If I were going to try a strategy so at odds with common sense and ignore t...
by Doom&Gloom
Sat Feb 06, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Advice for parents with Perfectionist Child?
Replies: 48
Views: 4795

Re: Advice for parents with Perfectionist Child?

Part of me knows this goes with the gifted territory (again, both wife and I). That's not correct. Plenty of gifted children don't have this sort of performance anxiety. I'm struggling with how to find balance. Learn to praise the effort, and not the achievement. Children who are doing their best s...
by Doom&Gloom
Wed Feb 03, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: Xfinity X1 Remote Question
Replies: 19
Views: 10675

Re: Xfinity X1 Remote Question

In my experience from 2 years ago, the smart TV features/apps are inferior to what you get with a Roku, Apple TV or other streaming device. Poor user interface, sluggish performance etc. How well do the smart TV features work on your new TV? MUUUUUUUCH easier/integrated than switching the TV HDMI, ...
by Doom&Gloom
Tue Feb 02, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Friend is an Edward Jones financial advisor -- should I drop him?
Replies: 76
Views: 12248

Re: Friend is an Edward Jones financial advisor -- should I drop him?

Keep your friend. Stay far away from EJ. Both will be good decisions. This! DD's BIL went to work for EJ. Coincidentally, at the same time she was asking us about what to do with an anticipated inheritance when the time came. I strongly advised her that under no circumstances would I advise her to ...
by Doom&Gloom
Tue Feb 02, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 21885

Re: Unwinding day old terrible car deal for mother-in-law

Sounds like you are stuck on a jumbo sheet of flypaper. Like the mouse said, "I don't want any cheese, just let me out of this trap!" Out of curiosity, is your wife assisting you in this endeavor? I do a lot for my MIL, but I have set some personal limits for myself or there would be no end to it. Y...
by Doom&Gloom
Mon Feb 01, 2016 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Just not interested any more [in investing]
Replies: 42
Views: 8849

Re: Just not interested any more [in investing]

I still read the business news every day, but with much more detachment. Everyone seems to be talking their book, and the standard memes don't move me anymore. I have seen this movie before. Even the Bogleheads have their standard memes and never-ending arguments. Many of the frequent posters prett...
by Doom&Gloom
Mon Feb 01, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Just not interested any more [in investing]
Replies: 42
Views: 8849

Re: Just not interested any more [in investing]

I still read the business news every day, but with much more detachment. Everyone seems to be talking their book, and the standard memes don't move me anymore. I have seen this movie before. Even the Bogleheads have their standard memes and never-ending arguments. Many of the frequent posters prett...