Search found 2272 matches

by Doom&Gloom
Thu Aug 11, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: Try to Fix Old LED TV or Buy New
Replies: 57
Views: 5229

Re: Try to Fix Old LED TV or Buy New

At todays prices I would get a new one... As for the broken one, put it out front on the curb,, FREE,,needs service. Somebody will pick it up. Consider it a Donation :happy That is the same recycling system we use. I put a lawnmower out by the street one day last week, and it was gone by the time w...
by Doom&Gloom
Wed Aug 10, 2016 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: okay to leave deposit on vehicle?
Replies: 30
Views: 2754

Re: okay to leave deposit on vehicle?

I did this very thing a couple of years ago with a car 350 miles away. I did have an e-mail from the dealership as to exactly what we had agreed upon. I assume you do as well? No issues at all.

Edit: I did use an AMEX card as they have a reputation of being "cardholder friendly" in disputes.
by Doom&Gloom
Tue Aug 09, 2016 1:42 pm
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 6276

Re: Talking about the Bogleheads approach with non-Bogleheads

You did the right thing. People who arrive at their current situation by irrational behavior are rarely swayed by rational argument, they have to seek rationality out for themselves. Unless they are open to new ways of thinking they often are adverse to it.. even hostile. Doing good when asked for ...
by Doom&Gloom
Tue Aug 09, 2016 7:55 am
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 6276

Re: Talking about the Bogleheads approach with non-Bogleheads

If they didn't ask for your opinion or what you do by comparison, I also would have nodded politely and kept my mouth shut. And later reminded my wife that my shins are terribly sensitive :happy
by Doom&Gloom
Sun Aug 07, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Do you have a handyman?
Replies: 32
Views: 4529

Re: Do you have a handyman?

I thought we had a handyman until I saw the list of jobs you want done. We do most of those ourselves. Exceptions are very heavy brush removal and heavy landscaping. I think you are looking for someone other than a handyman. What our handyman has done: replaced siding and windows, repaired roof leak...
by Doom&Gloom
Fri Aug 05, 2016 10:26 pm
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 6156

Re: Where to find common items that last "forever"

Is there a source for high quality household "stuff"? Not a single source for everything. You need to do the research on each type of product you're looking into. Anything electronic, not so much (though I still have my 40 year-old stereo receiver that mostly works). They're unlikely to last foreve...
by Doom&Gloom
Thu Aug 04, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: Exxon Speedpass
Replies: 5
Views: 1003

Re: Exxon Speedpass

I used one for a couple of years several years ago. At the time I just didn't want to be bothered to stick a credit card into the pump. The Speedpass was very convenient, but it added a little bit of bulk to my pocket as I carried it on my key-ring. I gave it up when the Exxon CC I had with a 15c/ga...
by Doom&Gloom
Wed Aug 03, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage, budgeting, and taxable accounts
Replies: 41
Views: 3811

Re: Marriage, budgeting, and taxable accounts

If your spouse is like mine, the fact that you don't spend at the same rate can be emotionally challenging. In my case, I've had to repeatedly remind him that the play money is each of ours to do what we want with and that means it's okay that he spends all of his every month and that I don't. Mone...
by Doom&Gloom
Tue Aug 02, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting a House to a Grown Child
Replies: 17
Views: 1800

Re: Gifting a House to a Grown Child

Have you Googled this issue at all? My wife and her mother went to visit an Elder Law attorney a few weeks ago to discuss similar issues. After their consultation, she asked me to try to find some info for her online. IIRC, there is some provision for the person's home to be excluded for Medicaid pu...
by Doom&Gloom
Tue Aug 02, 2016 3:52 pm
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 6020

Re: Stock Screeners

I'm going to run a demo account for 1 year of 30 stocks that I pick and see how hard it really is to beat the market... I can't get around the idea that putting in hard work is useless and wont get you better results than average... Before fees and taxes, the public markets are a zero-sum game. The...
by Doom&Gloom
Sun Jul 31, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 9785

Re: Consumer Reports, how could you?

Every time I get a new CR, I think I really need to cancel my subscription (after subscribing for 35 years or so.) I've had bad luck even with their actual tested reviews - which seem fewer and fewer. The lack of content and added fluff isn't unique to CR - it's happening to nearly all magazines. I...
by Doom&Gloom
Sun Jul 31, 2016 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Creative solutions to train young adult to be financially responsible & my $50k dilemma ...
Replies: 57
Views: 4778

Re: Creative solutions to train young adult to be financially responsible & my $50k dilemma ...

I may have missed it, but I didn't see any indication that your nieces are asking for an education in personal finances. If they are not, I am very skeptical that you will be able to provide one--especially after what they have seen put into practice by their father over a couple of decades. I would...
by Doom&Gloom
Sun Jul 31, 2016 1:49 pm
Forum: Investing - Theory, News & General
Topic: Investing at stock market highs
Replies: 52
Views: 5646

Re: Investing at stock market highs

this question comes up atleast once a month here. To summarize, you will get one of the responses below 1. Put it all in at once 2. Put it in regular intervals 3. Wait for a drop - put some in. Repeat until done I tend to favor 3rd option as every one of my buddies made much higher returns than mar...
by Doom&Gloom
Fri Jul 29, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 3353

Re: Never owned a cell phone.

Once I realized that I only have to use it when and how I want, the benefits far outweighed the drawbacks.

And it helped when I explained to friends and relatives that just because I own one doesn't mean that I feel compelled to tote it continuously--or even to check it every day.
by Doom&Gloom
Fri Jul 29, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 113
Views: 11725

Re: Preparing financially for our funerals - prepay or not?

As far as I am concerned, the only reason to prepay would be to make sure my survivors don't get the hard sell for a big production funeral. This is a real concern . Considering the sell we got when we're hale and hearty, I can only imagine the heart-wringing sell for stuff and a nicer casket that ...
by Doom&Gloom
Thu Jul 28, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Growth just closed (effective *now*)
Replies: 62
Views: 9142

Re: Vanguard Dividend Growth just closed (effective *now*)

miles monroe wrote:i own it and got the email from vanguard at 11:06 eastern this morning. no warning.

its in my traditional ira, anyone know offhand if i can move it to my roth when i make my annual transfer?
I got the same e-mail at the same time.
by Doom&Gloom
Mon Jul 25, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2998
Views: 588263

Re: What's Your Credit Card Rewards Strategy?

My strategy is my time is for loving my family. Not wasting my time on slick deals. I will always have enough for everything I would ever want. Those who "save" more money, end up paying it as taxes or to charity. I am up for debate if anyone wants to challenge that. Its an open invitation! What's ...
by Doom&Gloom
Mon Jul 25, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 21767

Re: How many folks choose to give inheritance to their children in unequal portions?

I had 3 kids of my own (their mother died and is out of the picture). My son had a daughter who was practically abandoned on my doorstep to raise as a single parent at the age of 47. I ended up adopting her and she is now an adult (age 20). So is it right to split the inheritance 4 ways or should m...
by Doom&Gloom
Sun Jul 24, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 20419

Re: Early retirees, how much did you leave on the table?

For those of you who retired before 60 y.o. how much do you think you left on the table? In percentage terms (or dollars if your prefer) how much larger would you portfolio have been if you postponed retirement to a standard age such as 62 y.o.? The amount is not worth the time it would take me to ...
by Doom&Gloom
Sat Jul 23, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Need advice about setting up netflix or hulu brand new to all this
Replies: 18
Views: 2100

Re: Need advice about setting up netflix or hulu brand new to all this

Good news the tv has a HDMI and can get 1080 resolution. Can you set a lower resolution for faster downloading? Is the roku the best streaming device to get? I like Roku a lot. The streaming stick works great, but is slightly slower when navigating between shows. The Roku 3 is great. +1 on the Roku...
by Doom&Gloom
Fri Jul 22, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 21767

Re: How many folks choose to give inheritance to their children in unequal portions?

IMO divide equally, except possibly give bonuses to those with children. They're choosing to take on the burden of carrying on your lineage, after all! My grandfather is splitting his legacy between his direct children (full shares) and grandchildren (2/3s shares). I don't plan to have children and...
by Doom&Gloom
Wed Jul 20, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 73
Views: 11814

Re: Netflix increasing prices. Will you keep it?

$2/month extra for three of us (including a kid at college) to access their catalog in HD? meh. Will keep.
by Doom&Gloom
Wed Jul 20, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 10073

Re: What's up with 4K tv? Should I buy one?

Do people still buy "receivers"? I use the Sonos speaker system and absolutely love it. They have a soundbar that can go with your TV although I have not used it. The speakers sound really really good and are connected by wifi. Your friends can download the app on their phone and play their music o...
by Doom&Gloom
Wed Jul 20, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: Do chipped ATM only cards offer more protection vs unchipped?
Replies: 21
Views: 2212

Re: Do chipped ATM only cards offer more protection vs unchipped?

Epsilon Delta wrote:Protection for who?

There are at least three entities involved: the customer, the ATM owner and the card issuer. There may also be a clearing company in the middle, but they have never taken any risk.
Yep. And the entity receiving the most protection should be obvious.
by Doom&Gloom
Tue Jul 19, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 11610

Re: Why did the car salesman stop replying to my emails

This is why somebody made more than one car dealer. Don't get hooked on just one or you are at their mercy.
by Doom&Gloom
Tue Jul 19, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Mother was victim of online virus scam - How can she recover the money she paid?
Replies: 56
Views: 7022

Re: Mother was victim of online virus scam - How can she recover the money she paid?

I think I just had my first experience with a similar scam. I got a phone call from a guy telling me he was calling about my computer since "our monitoring service indicated it has been sending out error signals for the past two weeks." I hung-up at that point, but I assume the next step would have ...
by Doom&Gloom
Mon Jul 18, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: beehive near deck
Replies: 20
Views: 1906

Re: beehive near deck

You might consider leaving them alone, depending on how far it is from the deck, or if people will be right under it: "Wasp nest? Let it be may be the best answer!" - Purdue University Department of Entomology ... excellent article. It says do nothing and the problem will go away by itself. I've ne...
by Doom&Gloom
Sun Jul 17, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 10073

Re: What's up with 4K tv? Should I buy one?

I just went through the same scenario with 5 TVs in a new house. My one big TV is 85" and it's 4k because, well, just because. I use a Roku 4 to watch movies which can upscale to 4k. The picture looks great regardless. I have read online reviews that say 4k is not worth it until your screen gets ab...
by Doom&Gloom
Sun Jul 17, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: beehive near deck
Replies: 20
Views: 1906

Re: beehive near deck

Cindyjrn wrote:That's a hornet's nest 100% for sure.
That is what it looks like to me as well.
by Doom&Gloom
Sat Jul 16, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: When traveling what do you use to bank online safely
Replies: 44
Views: 4413

Re: When traveling what do you use to bank online safely

I do not do any "banking" when I travel. I wait until I get home. Nothing at my bank is that urgent. Same here but it has been a while since I traveled more than 2-3 weeks. If I were planning a long trip I'd have to look into a solution. Same here. I can't remember when I took a trip longer than tw...
by Doom&Gloom
Tue Jul 12, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: How Does a Password Manager Impact Day to Day (IOS and Mac)
Replies: 48
Views: 5185

Re: How Does a Password Manager Impact Day to Day (IOS and Mac)

Mudpuppy wrote:
(edited)

With a 2.x database, I could have created a custom field for the member number, which would give me a short-cut to copy/paste it.
I have been using Keepass for several years and am still amazed at all the tricks I don't know. You have just saved me a lot of "mouse-work." Thanks!
by Doom&Gloom
Mon Jul 11, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: Car for teenage son
Replies: 61
Views: 6462

Re: Car for teenage son

Hi all, So I have a 2005 Honda Odyssey which has 180,000 miles on it with some issues which will take around 2 to 2.5G to fix to allow it to be used for X number of years. My son will need a used car next year. So, do I repair this van and hope for the best OR do I sell this van and get him a "new"...
by Doom&Gloom
Mon Jul 11, 2016 10:32 am
Forum: Personal Consumer Issues
Topic: Charleston, SC vacation.... any advice?
Replies: 23
Views: 2660

Re: Charleston, SC vacation.... any advice?

Don't overlook B&B's. We stayed in one on our visit a few years ago and found it terrific. I have found TripAdvisor to be a pretty good source for comparing B&B's. Downtown Charleston is very walkable. I'm not sure we moved our car at all once we were there. There are lots of good restaurants. You s...
by Doom&Gloom
Sat Jul 09, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: What to do around Vegas during Winter?
Replies: 21
Views: 2357

Re: What to do around Vegas during Winter?

Yes Miriam2, taking the little one with me. :D To be clear, I don't intend to visit all the parks. My plan right now would be spend the first night in Vegas, then head out mid-day to a park and stay there for 3 nights, then come back to Vegas. Doom&Gloom this is on point. I guess I'm between Antelo...
by Doom&Gloom
Sat Jul 09, 2016 12:19 am
Forum: Personal Consumer Issues
Topic: What to do around Vegas during Winter?
Replies: 21
Views: 2357

Re: What to do around Vegas during Winter?

A few years ago we hit LV, Grand Canyon, and Zion NP during the week between Christmas and NYE. GC: It was very cold when we were there. We spent one night in one of the lodges in a room with a "partial canyon view." The view was actually better than what I would consider a partial view. Being able ...
by Doom&Gloom
Wed Jul 06, 2016 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling stuck in Career/ Portfolio review
Replies: 31
Views: 4729

Re: Feeling stuck in Career

Hi, I'm 30 years old and I graduated college with an Associates degree in Applied Science and got my Licence as a Radiology Technologist when I was 22. I've been working in my field since and even furthered my degree and got my license in CT. I've been at the same hospital for 5 years and I've only...
by Doom&Gloom
Wed Jul 06, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Go After American Airlines?
Replies: 45
Views: 5941

Re: Should I Go After American Airlines?

The day before the trip, one of the daughters called and said something had happened at work and she probably could not go. I called AA and inquired about possibility of returning one of the tickets for a refund or credit and was told that my reservation would not allow any changes. The AA rep advi...
by Doom&Gloom
Tue Jul 05, 2016 11:21 pm
Forum: Personal Consumer Issues
Topic: Bellagio room rate
Replies: 20
Views: 3561

Re: Bellagio room rate

Have you checked to see if you can sign up online for the M Club or MLife or whatever they call it now? If so, you could then log into that account to check the room rate. But with all LV hotels, beware the killer "resort fee." With no play history at all, the rate may or may not be significantly di...
by Doom&Gloom
Tue Jul 05, 2016 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance for new driver (teenager)
Replies: 22
Views: 2101

Re: Car insurance for new driver (teenager)

Our rate more than doubled last year when we added our teenage son (CSAA) last spring (went up $1000). I called in/requested online quotes from 3 other insurers. Rates were very similar. One or two were slightly higher and the one that was slightly lower (which I followed up on) would not insure ou...
by Doom&Gloom
Tue Jul 05, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 38628

Re: What kind of car are you driving?

1998 F150 bought new 100k runs great (Have small tree farm) 2005 Ford Five Hundred bought used w/ 8k now has 65k runs great (wifes car w/huge back seat for tall teen) 2005 Saleen Mustang 2,900mi for fun (need to drive more and have mo fun) 1956 Ford Crown Victoria 292 Auto restored original 1946 Fo...
by Doom&Gloom
Tue Jul 05, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Streaming Video
Replies: 31
Views: 3114

Re: Streaming Video

... Seconded on the Roku. I have no experience with Apple TV, but I do have a Chromecast stick at home, and it's junk. Keeps dropping off the network, requires a power-cycle to come back up. Avoid the Chromecast, get one of the other boxes. Surprised to hear that. I've had my chromecast for over a ...
by Doom&Gloom
Mon Jul 04, 2016 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Need to get over irrational fear regarding investing instilled by parents
Replies: 10
Views: 1522

Re: Need to get over irrational fear regarding investing instilled by parents

It doesn't sound like you need to get over an irrational fear instilled by your parents at all. It sounds as if you need some assertiveness training to withstand your parents' opinions.

Good luck!
by Doom&Gloom
Sat Jul 02, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 19139

Re: What do you spend your money on???

Domestic travel
Dining out more than necessary
"Better" home-cooked meals than necessary
Audio/video equipment
Quality, but not outlandish, red wine and beer
Kid in college--if there is anything left over :)
by Doom&Gloom
Sat Jul 02, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 19139

Re: What do you spend your money on???

JonnyDVM wrote:Just paid $60 for a terrible round of golf this morning. I would think that qualifies as an expensive hobby.
More strokes/dollar. Solid Boglehead strategy!

:beer
by Doom&Gloom
Thu Jun 30, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 38628

Re: What kind of car are you driving?

Sheepdog wrote:Same as I reported on Page 1 of this question back in 2012
Winner!
by Doom&Gloom
Tue Jun 28, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 5018

Re: Loans to Friends

prudent wrote:Good for you, BFG. It's hard to turn down friends but sometimes it's the right thing for all involved.
+1

Great decision resulting from looking at it from the right perspective imo.
by Doom&Gloom
Mon Jun 27, 2016 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 5018

Re: Loans to Friends

A lot of folks recommending you simply ignore the email or pretend you didn't get it. The "I never got your email" excuse may have worked in 1998, but most everyone knows better nowadays. It's better to be honest with a swift and to-the-point response, because if this friend is a persistent one who...
by Doom&Gloom
Mon Jun 27, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: I need a new mattress. Memory foam?
Replies: 53
Views: 5311

Re: I need a new mattress. Memory foam?

Latex feels nothing like memory foam. More of a waterbed feel, very buoyant and bouncy. Good to know. Thanks. :beer My traditional is getting old and softer. It will be time for a new one soon and I had thought, maybe latex? I will probably avoid that now. I have never liked water beds, so... You m...
by Doom&Gloom
Mon Jun 27, 2016 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 5018

Re: Loans to Friends

I would not even bother to respond to an old college friend who made such a ridiculous request via e-mail. And I wouldn't lose a wink of sleep.
by Doom&Gloom
Sun Jun 26, 2016 9:42 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 15691

Re: What did you learn from the post-Brexit bloodbath?

Haven't read past the first post, but I learned that my definition of a bloodbath differs from some other people's definition.