Search found 851 matches

by pondering
Tue Aug 25, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Books to help a couple working out a budget
Replies: 39
Views: 3870

Re: Books to help a couple working out a budget

I have some traction from the suggestion made by bluejello » 2015-08-23-21-57-11 earlier: "So you already know how much you spend. What exactly is the problem here? Is that you spend too much and want to figure out how to spend less? You said in this earlier thread that you've been tasked with ...
by pondering
Mon Aug 24, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Books to help a couple working out a budget
Replies: 39
Views: 3870

Re: Books to help a couple working out a budget

Is there a secular equivalent to Dave Ramsey?
by pondering
Mon Aug 24, 2015 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Books to help a couple working out a budget
Replies: 39
Views: 3870

Re: Books to help a couple working out a budget

I reserved the copy of All Your Worth at the local library. I emailed my wife: Dear <Better Half>, I asked on Bogleheads for book recommendations on budgeting. What do you think of this response? So you already know how much you spend. What exactly is the problem here? Is that you spend too much and...
by pondering
Sun Aug 23, 2015 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Books to help a couple working out a budget
Replies: 39
Views: 3870

Re: Books to help a couple working out a budget

We come to the table needing to focus on the budget, and I don't have a great history of social skills here. I feel manipulated in having to do the project essentially without her help. A little background. My wife earns more than I do, and I pay 16% of my gross income in child support. An inheritan...
by pondering
Sun Aug 23, 2015 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Books to help a couple working out a budget
Replies: 39
Views: 3870

Books to help a couple working out a budget

I'm having a sit down with my wife in about a week. I'm trying to get recommendations for books to help couples with budgeting.

Thanks!
by pondering
Sat Aug 15, 2015 2:38 pm
Forum: Personal Consumer Issues
Topic: What type of oil do I need for a 2015 Jeep Compass?
Replies: 9
Views: 15879

What type of oil do I need for a 2015 Jeep Compass?

Driving home today, the Jeep Compass Oil Change indicator came on for the first time at 5843 miles. Pep Boys wants to do the oil change with synthetic oil for $78 Monro wants to do the oil change with conventional 5W20 oil for $28 Which of the two options would you choose? Here is what the owner's m...
by pondering
Fri Aug 14, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: Should car be repaired (airbag issue)?
Replies: 13
Views: 1325

Re: Should car be repaired (airbag issue)?

I'm guessing you take a lot of short trips as well, which can wear on your engine a bit.
by pondering
Fri Aug 14, 2015 9:49 pm
Forum: Personal Consumer Issues
Topic: Verizon new plan issue
Replies: 8
Views: 1632

Re: Verizon new plan issue

Someone asked me to try to clarify the situation a bit: At the end of July 2015 there were 4 lines on a grandfathered Verizon plan. I assumed the liability for 2 of those lines. One account stayed the same, and one account switched from feature phone to smartphone access. I realized it would be chea...
by pondering
Fri Aug 14, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Verizon new plan issue
Replies: 8
Views: 1632

Re: Verizon new plan issue

My concern is that Verizon doesn't let you finish one contract before starting a new one without having to port the number and than port the number back.

It is a complaint, but I'm not sure I'm right. I've complained before and gotten some action.
by pondering
Fri Aug 14, 2015 6:29 am
Forum: Personal Consumer Issues
Topic: Verizon new plan issue
Replies: 8
Views: 1632

Verizon new plan issue

I assumed the liability for 2 lines and 2 phones from my father-in-law's account. On vacation earlier this month, my wife dropped her phone and we used an upgrade to replace it. I had the original phone repaired by Apple. Both phones are now working and set up on a plan. Since I assumed the contract...
by pondering
Tue Aug 11, 2015 11:53 pm
Forum: Personal Consumer Issues
Topic: Lifelock: Worth the Money or a Sham?
Replies: 27
Views: 7208

Re: Lifelock: Worth the Money or a Sham?

I'm sorry I recommended them.

I'm assuming that if you are in a family dispute, you will need to rely on a CPA or an attorney.
by pondering
Sun Aug 09, 2015 9:10 pm
Forum: Personal Consumer Issues
Topic: How to start a blog and claim the name?
Replies: 42
Views: 4982

Re: How to start a blog and claim the name?

Is there a good review that compares blogging sites?
by pondering
Sun Aug 09, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Verizon Contract Issue - Consumer Awareness
Replies: 13
Views: 1925

Re: Verizon Contract Issue - Consumer Awareness

You can mail yourself a letter to document that you had the conversation. Tweet them. Post on Facebook. Use their competitors.

I've had these problems with Verizon for years, some my fault, some theirs. They don't seem interested in changing.
by pondering
Sun Aug 09, 2015 6:07 pm
Forum: Personal Consumer Issues
Topic: Cell Phone plans
Replies: 12
Views: 1601

Re: Cell Phone plans

Apple doesn't repair phones, they swap them out.

(I know this from the time they wanted $300 to swap out my iPad)
by pondering
Sun Aug 09, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: Cell Phone plans
Replies: 12
Views: 1601

Re: Cell Phone plans

Actually bringing it to Apple was option 1 (but we don't have Applecare)

Is Verizon the only carrier people use for the phone?
by pondering
Sun Aug 09, 2015 4:04 pm
Forum: Personal Consumer Issues
Topic: Cell Phone plans
Replies: 12
Views: 1601

Re: Cell Phone plans

The phone works, but when the account manager (my wife's Dad) logged into the account he could no longer see her phone on the account.
by pondering
Sun Aug 09, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Cell Phone plans
Replies: 12
Views: 1601

Re: Cell Phone plans

And now we have to clean up Verizon's accounting mess, since my wife's account is no longer showing up under the rest of the phones account.
by pondering
Sun Aug 09, 2015 12:08 am
Forum: Personal Consumer Issues
Topic: Cell Phone plans
Replies: 12
Views: 1601

Cell Phone plans

My wife dropped her iPhone 5s on our last full day of vacation. We dropped the phone off at a repair place, that quoted $100 for the repair. They didn't have the white back plate, so they offered to fix the phone for $80 with the black back plate. When we got there they said they tried the repair tw...
by pondering
Fri Jul 24, 2015 9:22 pm
Forum: Personal Consumer Issues
Topic: Name and address security [Shred mail received?]
Replies: 18
Views: 2044

Re: Name and address security

Most of your protection comes from monitoring what goes on and the decisions on where you want to live, and what vectors are likely for criminal minded people.
by pondering
Mon Jul 13, 2015 10:23 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 16717

Are you going to shop on Prime Day?

Is anyone here an Amazon Prime member? Are you going to shop on Prime day (July 15)? Do you have any strategies?
by pondering
Wed Jul 08, 2015 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: 401K pretax or Roth
Replies: 5
Views: 554

Re: 401K pretax or Roth

I expect a lower tax rate in retirement.

I wanted a Roth account to provide a small secondary emergency fund.

I'm well below the 18,000 max contribution annually.
by pondering
Wed Jul 08, 2015 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: 401K pretax or Roth
Replies: 5
Views: 554

401K pretax or Roth

I changed my 401K contribution from 10% pretax, 5% Roth to 14% pretax 1% Roth.

Family income puts us in the 33% bracket.

Fidelity's Netbenefits advisor refused to give any advice.
by pondering
Mon Jul 06, 2015 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help review a monthly budget
Replies: 20
Views: 3892

Re: Help review a monthly budget

Thank you rec7!
by pondering
Wed Jul 01, 2015 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help review a monthly budget
Replies: 20
Views: 3892

Re: Help review a monthly budget

My real challenge is tracking the spending. I simply feel overwhelmed by the process.

Is there someone I can hire to help me with this? How much should I expect to pay?
by pondering
Tue Jun 30, 2015 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Support for Parents
Replies: 36
Views: 5109

Re: Financial Support for Parents

My Mom was a saver. She left a few hunderd thousand dollars for me and my brother.

I married a spender, and I'm one as well. We have spent well more than half of what I received from the estate.
by pondering
Tue Jun 30, 2015 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 8793

Re: Unknown phone calls

whitelisting numbers via google voice is an option. I'd send everyone else to voicemail. No voicemail, no call back.
by pondering
Tue Jun 30, 2015 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Help review a monthly budget
Replies: 20
Views: 3892

Re: Help review a monthly budget

I need help following through on the tracking. The systems that work for me, watch for changes in cash, then drill down into the reasons, don't work for my wife, who wants to know how much she can spend in a given month.

Tracking is also onerous with 2 people and so many ways to pay for things.
by pondering
Mon Jun 29, 2015 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Help review a monthly budget
Replies: 20
Views: 3892

Re: Help review a monthly budget

the Jeep payment does 2 things - it got us a discount on the purchase, and it makes our cash flow look smaller.

I've been repeatedly tasked with making a budget and tracking spending. I find it terribly hard to do.
by pondering
Mon Jun 29, 2015 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help review a monthly budget
Replies: 20
Views: 3892

Help review a monthly budget

What changes would you recommend to this monthly budget?: $ 25 set aside each month toward emergency reserve (set $50K base) $ 208 set aside each month toward regular savings (working toward holiday gifts and next vacation) $ 975 retirement accounts - please note that Melissa gets 8% added to her pe...
by pondering
Wed Jun 17, 2015 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Call from debt collector, should I follow up
Replies: 19
Views: 4870

Re: Call from debt collector, should I follow up

Thanks for all the feedback. It is clear to me that we need a trusted third party system to verify debts. I'm sure the debt collector will claim that they need my information to provide me with information. I remarried 7 years ago, so I'm guessing the statue of limitations is about 10 years, but var...
by pondering
Tue Jun 16, 2015 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Call from debt collector, should I follow up
Replies: 19
Views: 4870

Call from debt collector, should I follow up

I got this email from my ex-wife:

We've started receiving computerized calls, asking for you from what seems to be a debt collection thing. Both times they've gotten the voice mail so I delete it, but I wanted to let you know. The number comes up as 866-368-1565.

Should I return the call?
by pondering
Wed Apr 15, 2015 1:12 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 214760

Re: TV show recommendations?

The 3 shows I try to catch:

1) Modern Family
2) CBS Sunday Morning
3) 60 Minutes
by pondering
Sun Mar 22, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 6966

Re: Urgent Care Centers - When should they be used?

I took my Mom to an urgent care center twice, had her got to her doctor twice, and to the orthopedic surgeon once in her last year of life. All of them missed her stage four cancer, with the urgent care doctor who thought she had a rotator cuff injury telling me he didn't want to diagnose it because...
by pondering
Wed Mar 11, 2015 9:48 pm
Forum: Personal Consumer Issues
Topic: How do you use your email?
Replies: 16
Views: 1972

Re: How do you use your email?

The one advantage of email is that you have a reasonable expectation of privacy. While the content is readily discerned by prying eyes, the contents are protected by legal process.
by pondering
Sat Mar 07, 2015 11:51 pm
Forum: Personal Consumer Issues
Topic: Evernote Premium Worth It?
Replies: 28
Views: 4368

Re: Evernote Premium Worth It?

I haven't started using Evernote because I am afraid of lock in. Is there an equivalent to Google Takeout for Evernote?
by pondering
Mon Mar 02, 2015 12:11 am
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 65
Views: 9283

Re: Wife doesn't want to retire - I do

I'd focus on your job issues. You are in a bad job, and I'd try to fix that first, especially since you have a lot of financial security at this point.
by pondering
Fri Feb 27, 2015 7:09 am
Forum: Personal Consumer Issues
Topic: Anyone have one of those standing desks?
Replies: 45
Views: 5981

Re: Anyone have one of those standing desks?

I'm one of a handful of 150-200 cubes where the occupant stands. I used a couple of cardboard boxes, a magazine rack and a foot stool to prop up 2 monitors, a keyboard, a mouse and a phone. I have a little space for writing as well. The laptop is closed, connected to a docking station.
by pondering
Fri Feb 27, 2015 6:34 am
Forum: Personal Finance (Not Investing)
Topic: How much time do you spend on paperwork a week/month/yea
Replies: 3
Views: 619

How much time do you spend on paperwork a week/month/yea

Please discuss how much time you spend on paperwork a day/week/month/year

I'm trying to figure out if I'm inefficient or just lazy/distracted. It will be helpful to get other people's take on this.

What are your biggest time wasters and time savers?

Thanks!
by pondering
Sun Feb 22, 2015 4:20 am
Forum: Personal Consumer Issues
Topic: To Fence ... Or Not?
Replies: 93
Views: 10973

Re: To Fence ... Or Not?

How are the retirement savings?
by pondering
Sat Feb 21, 2015 2:15 am
Forum: Personal Consumer Issues
Topic: Free online news
Replies: 22
Views: 2794

Re: Free online news

http://newsmap.jp/

is a nice view of google news
by pondering
Sat Feb 21, 2015 1:53 am
Forum: Personal Consumer Issues
Topic: Laptop question
Replies: 8
Views: 1560

Re: Laptop question

Can I ask how you created the list of requirements?

Virtualization really isn't effective without a lot of RAM and hard drive space.
by pondering
Fri Feb 20, 2015 12:54 am
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 22321

Re: What video games are you currently playing?

BubbleWitch2 with my 5 year old daughter on the iPad. On level 47 of about 400. We probably won't get to 100.
by pondering
Wed Feb 11, 2015 11:49 pm
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 5635

Re: Which light bulbs are best bang for the buck?

My favorite LED bulbs are from IKEA. I put 3 globe 100 Watt equivalent bulbs in an overhead fixture and removed the cover in my home office. the bulbs were about $8 each and I really like the light.
by pondering
Sun Feb 08, 2015 1:45 am
Forum: Personal Consumer Issues
Topic: Cheap web hosting
Replies: 15
Views: 1673

Re: Cheap web hosting

Has anyone had to switch hosts? Is that as seamless as a new setup?
by pondering
Thu Feb 05, 2015 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Would you give a homeless person 20-50 dollars?
Replies: 27
Views: 2052

Re: Would you give a homeless person 20-50 dollars?

The cousin was crashing on her couch. Here was the initial private message: Oh, cool. Well my cousin Xxxxx is there now, he works at xxxx's near there. He is 27 and my aunt kicked him out of the house. They live in yyyyy park. He has a temporary place to stay (with me in zzzzzz) but right now is str...
by pondering
Thu Feb 05, 2015 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Would you give a homeless person 20-50 dollars?
Replies: 27
Views: 2052

Would you give a homeless person 20-50 dollars?

I was approached on Facebook by someone I've met a few times to see if I could help out her cousin working a fast food job. She said that they were both living together and short on money till the end of the month. I never knew the cousin had existed before. The person reached out to me because the ...
by pondering
Thu Feb 05, 2015 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 51
Views: 5626

Re: Late start, low income - what to do first?

What type of work does he do?
by pondering
Wed Feb 04, 2015 11:28 pm
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 8003

Re: What to buy sweetie for Valentine's Day

Not sending flowers to her job unless she has asked you not to would be a mistake. A expensive bouquet of roses. You can always send her something she really wants, and should, the other 364 days of the year. If she doesn't like that kind of attention, and hasn't asked you not to send flowers, then ...
by pondering
Wed Feb 04, 2015 10:53 pm
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 9926

Re: Looking for a DSLR that will allow me to get fairly seri

Can you tell us a little more about your goals?
by pondering
Sun Feb 01, 2015 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 39
Views: 6457

Re: Loan Terms -- Helping a friend going through Divorce?

You can gift the money...

Or just gift the repayments your friend can't make.

Up to 14,000 or so a year