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Re: Financial Advisor Compensation

I don't use a financial advisor, but I'd ask your financial advisor what compensation they are getting. If you are a buy and hold investor then I'd think that you really don't need a financial advisor, so any cost would be unnecessary.
by Boglemama
Thu Aug 21, 2014 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 2803

Re: Best one-stop company for renters/car/term life insuranc

I am a member of USAA because of my Father in law's military. My parents called them for car insurance and since they were ineligible, USAA directed them to their non-military company who saved them $300 per year on auto insurance! I'd call USAA. Also, I use Banner Life for term, and would also ask ...
by Boglemama
Thu Aug 21, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best one-stop company for renters/car/term life insurance?
Replies: 15
Views: 909

Re: Where do you buy clothes?

Goodwill for clothes. I hesitate to spend $40 on a shirt that I can get for $3. Shopping at thrift stores also forces me to be more adventurous in my clothing choices. Prior to thrift shop shopping I would only buy basic colors of clothing. But when I am shopping by size and then what looks nice on,...
by Boglemama
Thu Aug 14, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9104

Re: Do Bogleheads Feel Wealthier?

in_reality wrote:Yes! Since becoming a Boglehead and saving advisors fees, I do not hesitate at all to purchase mangos when I see them in the grocery store. I used to stay more with less expensive fruit.


I love this! (But Aldi sometimes has mangoes on sale for 39 cents. I usually buy 7-8 of them!)
by Boglemama
Tue Jul 29, 2014 5:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4658

Re: Public Speaking-help

Yep! Totally understand what you are talking about. I quit a job paying 55k, around 20 years ago, because of an impending speech in front of the company. I would get horrible anxiety, including sweating, light-headedness, and almost panic attacks. I have gotten better with public speaking though. He...
by Boglemama
Sat Jul 26, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 4985

Re: Auction vs. estate sale to liquidate personal property

Appraised value isn't necessarily market value. For the most money for your items, I'd send photos and descriptions of the $400 plus items to some of the better auction houses (Freeman, Skinner, Sotheby's, etc). The process takes a while, up to 2 months to hear back about market value and whether or...
by Boglemama
Tue Jul 15, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auction vs. estate sale to liquidate personal property
Replies: 5
Views: 952

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

Where is the loan held? Call them ASAP! As a co-signer you can get information on the status of the loan. Is it up to date? How much is left on the loan, don't trust him that its 15k. When are payments due? Start calling monthly to make sure the payment is paid. You might consider asking them to co...
by Boglemama
Tue Jul 15, 2014 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7765

Re: A question for the Bogleladies or those who can consult

Professor Emeritus, I am impressed that you would even ask the question. Good for you! Part of this depends on what you consider "underwear". If you mean those things that women wear on top and on bottom every day, getting a nice set might be fun for the both of you. But don't expect her ...
by Boglemama
Tue Jul 15, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5844

Re: A question for the Bogleladies or those who can consult

First, are you sure she'll appreciate this gift? Some women do not like fancy underthings. They wear Jockey for a reason. Second, are you sure this gift is not for you, instead of her? On many an occasion I have encountered men shopping in stores like Victoria's Secret and thought to myself: "...
by Boglemama
Tue Jul 15, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5844

Re: High end purses

I bought a $500 Louis Vuitton bag, and matching $100 checkbook cover, when I was single, without kids, and status symbols mattered to me. I was around 23 years old and in debt up to my eyeballs. Since then, I've sold the bag (for $200) after using it for 5 years and sold the checkbook cover (for $20...
by Boglemama
Sat Jul 12, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12666

Re: Advice for how to fund my wedding

Option 1. I get the feeling that you initially left out the details about you paying for your family members' travel expenses, just so you could administer a smackdown to us :twisted: Because if you'd put that in your first post, everyone would have said, "Awww! What a wonderful and generous g...
by Boglemama
Tue Jul 08, 2014 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2865

Re: Dip into IRAs to pay off CC debt?

I read your post again and noticed no property taxes or insurance in your budget. For your house or the rental. There are actually a lot of things left out. I'd definitely research money management and work with your wife to construct a thorough budget. At your young age you probably want to get wil...
by Boglemama
Tue Jul 08, 2014 2:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Dip into IRAs to pay off CC debt?
Replies: 28
Views: 2068

Re: Dip into IRAs to pay off CC debt?

I hate agreeing about selling the rental, because I have a rental, but I agree. I'd sell it and pay off the CC debt and part of the student loans, while saving some for an emergency fund. You definitely need an emergency fund. Why 3 vehicles with 2 people? I'd sell one of them. Extra insurance and m...
by Boglemama
Tue Jul 08, 2014 2:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Dip into IRAs to pay off CC debt?
Replies: 28
Views: 2068

Re: Intro & Qs - Paying down debt / Improving cash flow

Do you have a car? Could you take out a used car loan against the car and pay off the higher interest rate debt? I looked at my credit union (digital Fedral Credit Union) and they have interest rates below 3%, lowest is 1.25% for five years, direct deposit, direct withdrawal. Yes! What a great idea...
by Boglemama
Sun Jul 06, 2014 7:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 9
Views: 854

Re: Intro & Qs - Paying down debt / Improving cash flow

The steps that you are planning on taking will really make a significant impact on your wealth and future financial comfort. Congratulations to you! And you have a very nice plan set up. Some comments: I'd not put your emergency fund into any investments. At $1,000, making a lot of interest isn't go...
by Boglemama
Sun Jul 06, 2014 6:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 9
Views: 854

Re: Getting toddler to brush their teeth

I brush my 3 year old daughter's teeth, then she brushes mine, then we each brush our own teeth. Somewhere along the way all the teeth get clean. It's also really cute to have my daughter say "open!" "now file (smile)" "cheese" "now tongue!" which is exactly w...
by Boglemama
Fri Jul 04, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 2511

Re: Ideas on how deal with estate with tons of items

Perhaps this is cynical of me, but I would think that an in-person auction in a small Ohio town is not going to bring the same sort of value for the collection that online auctions or seeking out the appropriate resellers for such collections would bring. If your wife wants top-dollar for everythin...
by Boglemama
Sun Jun 29, 2014 4:46 am
 
Forum: Personal Consumer Issues
Topic: Ideas on how deal with estate with tons of items
Replies: 29
Views: 2475

Re: I cannot make the jump and retire

You should be so thankful that you have found what you love to do! Setting up clinics in 3rd world countries and saving lives is AWESOME! Now to transition to doing it all the time. Retiring is sometimes a dramatic jump into a new life, but it can also be an easy transition instead. You need to set ...
by Boglemama
Sat Jun 14, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 73
Views: 8202

Re: Hiring an attorney? Advice please

These are all very good points! I hadn't considered that we may be awarded attorney's fees as part of damages.
by Boglemama
Thu Jun 05, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 1972

Re: Hiring an attorney? Advice please

It sounds like you found your attorney, but are uncertain as to how the attorney is paid. First, the attorney should either have you sign a contract or provide an engagement letter that spells out specifically how the attorney is paid. Now as to contingency/hourly: Contingency: If you do not have m...
by Boglemama
Thu Jun 05, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 1972

Re: Hiring an attorney? Advice please

I'm concerned you have selected this attorney without interviewing any others. This attorney is the first that we are speaking with about hiring to represent us. We previously needed to speak with an attorney about this matter to get advice on how to proceed, not knowing if further legal advice/rep...
by Boglemama
Thu Jun 05, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 1972

Re: Hiring an attorney? Advice please

Based upon your uncertainty whether an hourly fee or contingency fee is the norm, I'm concerned you have selected this attorney without interviewing any others. I have some questions. When you say he was "recommended by others who needed services in this area" do you mean geographic area ...
by Boglemama
Thu Jun 05, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 1972

Hiring an attorney? Advice please

We are going to speak with an attorney in 7 days and would like to hire him to represent us. He is going to represent us in a very specialized area of law and has been recommended by others who needed services in this area. We had previously met with him for a one hour consultation and paid his hour...
by Boglemama
Wed Jun 04, 2014 8:04 pm
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 1972

Re: Low cost retirement options

Have you checked out near Indianapolis, Indiana? There are some wonderful hospitals there (Lance Armstrong was treated for his cancer at Indiana University Health) and the cost of living can be REALLY low in nearby suburbs. Money magazine voted Carmel, Indiana as it's top choice to live in the count...
by Boglemama
Mon May 26, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Low cost retirement options
Replies: 21
Views: 2637

Re: New Dodge Grand Caravan vs. Used Honda Odyssey/Toyota Si

We bought a used Honda Odyssey 2005, off lease in 2010. We paid $13k and it had 60k miles on it. It has run GREAT for us. The only problem we have had, in 4 years, was with a sliding door that needed repair because my kids fiddled with it. I would highly recommend searching online, and in different ...
by Boglemama
Sun May 18, 2014 7:36 am
 
Forum: Personal Consumer Issues
Topic: New Dodge Grand Caravan vs. Used Honda Odyssey/Toyota Sienna
Replies: 21
Views: 2141

Re: Best way to send flowers?

I send my wife flowers once or twice a month, I've used proflowers, ftd and local florists and generally prefer proflowers. Proflowers ships directly and also refers to local florists for same day deliveries but you get better and larger arrangements from proflowers than local florists, the flowers...
by Boglemama
Sun May 11, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Best way to send flowers?
Replies: 15
Views: 1030

Re: Unethical Dentist? Advice please!

32 years ago, my dentist wanted to pull all four of my wisdom teeth and I refused, as my orthodontist had previously told me that my mouth had plenty of room for them, they had come in straight, had no cavities and were good chewing teeth. Still, my dentist asked at several appointments when I was ...
by Boglemama
Fri May 09, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2733

Re: Unethical Dentist? Advice please!

Seriously, is there someone I can report this potential problem to? A dental board? Someone? Or should I wait until i get the second opinion from another dentist?
by Boglemama
Fri May 09, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2733

Re: Unethical Dentist? Advice please!

I just received my bill from my dentist. It states "pt stated that she will not have #16 extracted. It is her tooth and she will keep it. Pt stated that we did not tell her that she had a cavity and she was very upset!!! We explained that Dr W discussed this all with her but she insist he didn'...
by Boglemama
Fri May 09, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2733

Re: Unethical Dentist? Advice please!

This dentist was the one who pulled my last wisdom tooth. He didn't refer me to an oral surgeon. Since he benefits financially from me getting this tooth pulled, his opinion isn't objective. I do intend to go to another dentist, that has been referred to me by 2 friends, and switch the entire family...
by Boglemama
Fri May 09, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2733

Unethical Dentist? Advice please!

I have been going to the same dentist for 7 years. I had problems with one wisdom tooth 3 years ago and got it pulled. I hesitate to have surgery like that unless it's necessary, but in this case it was as it was very painful. My last 3 cleanings have been very high pressure from the dentist to get ...
by Boglemama
Fri May 09, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2733

Re: Losing job-financial advice

We will finish out his employment until May 2015. It's a good paying job with excellent benefits that's guaranteed for one year. Guaranteed employment for a year is pretty good. Hubby will begin looking this Fall for September 2015. Thanks for letting me bounce ideas off of you all. Hubby is still p...
by Boglemama
Fri Apr 11, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2005

Re: Losing job-financial advice

Hubby was told that he did not get tenure. He will have a job until next May. May I assume you mean May of 2015? Yes, May of 2015. Thank you all for your thoughtful replies. I plan on contacting a realtor to look over our home and discuss what we need to do in the next year to be ready to sell. We ...
by Boglemama
Fri Apr 11, 2014 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2005

Re: Losing job-financial advice

What I wanted to add, but edited out at the last minute, is that it's important to keep an eye on the bigger picture: a happy and supportive spouse/family. In my experience, that ends up being so, so important in quality and satisfaction w/life. Your willingness to be strong--and supportive--is hug...
by Boglemama
Thu Apr 10, 2014 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2005

Re: Losing job-financial advice

No real advice, but wanted to say sorry. Are you interested in moving to a particular part of the country, or will everything depend on the job search? Thanks. It's really hard right now. We have a 3 and 6 year old. SO much to do. Thankfully we do have some time to get things together. I would real...
by Boglemama
Wed Apr 09, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2005

Re: Losing job-financial advice

The idea of not using a broker is very appealing. I am considering offering 2%, as opposed to 3, to each buyer and seller's agents. Our house should sell for 3 to 4 times what most houses sell for in our area, therefore the commission would still be more than other homes.
by Boglemama
Wed Apr 09, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2005

Re: Losing job-financial advice

Tough situation. I would try to sell the house now without a broker and rent a condo or apartment if that makes financial sense. If you can't sell the house this year on your own, use a broker next year as you planned to do. I had actually considered selling now and then renting, but it would be to...
by Boglemama
Wed Apr 09, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2005

Losing job-financial advice

Hubby was told that he did not get tenure. He will have a job until next May. We do not like the area where we live currently, and there would not be a job for him within driving distance anyway. As to money. I intend to save every penny for a beefed up emergency fund, get our house ready to sell ne...
by Boglemama
Wed Apr 09, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2005

Re: Can I retire yet?

Are we seriously telling a 64 year old who has worked for 40+ years that a 3% withdrawal rate isn't safe enough? Why are we fixated on his expenses? As long as he can afford it, which he clearly can, the absolute value is irrelevant. What is the point of money if not to spend it? This constant one ...
by Boglemama
Tue Mar 11, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire yet?
Replies: 85
Views: 6651

Re: Mouse/Rat traps

We've had good results from the Tomcat rat snap traps: http://tomcatbrand.com/snap_traps.html . The black plastic ones are nice because you don't have to touch the rodent. You just pick up the trap from the far side and squeeze the handles to open the trap jaws and dump the rodent into the trash. T...
by Boglemama
Mon Mar 10, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 2077

Re: unanticipated savings (or costs) of stay at home parent?

I am a stay at home parent and save money on SO many things. Childcare, groceries, meal planning, packing hubby's lunch daily with leftovers, buying anything used that we can (clothes, cars, etc), last year I saved us $600 by asking the utility guys to cut down a tree that was "kinda" clos...
by Boglemama
Sun Jan 26, 2014 10:20 pm
 
Forum: Personal Consumer Issues
Topic: unanticipated savings (or costs) of stay at home parent?
Replies: 18
Views: 1511

Re: Middle ground between credit counseling & financial advi

It's very nice that you want to help your relative. Does she want to help herself? She has to be the instigator of this life change or there's no point in you wasting your energy. Same holds true for all major life changes. Do YOU want her to change or does SHE?
by Boglemama
Sat Jan 25, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Middle ground between credit counseling & financial advisor?
Replies: 9
Views: 611

Re: Is there a low cost cell phone plan, limited minutes?

Typo, 100 minutes. At one time, I had the ATT GoPhone. I bought 1000 minutes for $100 for a year. That work well until I decided to get an iPhone. http://www.att.com/shop/wireless/plans/prepaidplans.html#planlist-ptip_sku4950226 You just pay for more minutes if you need them. I have used this for 4...
by Boglemama
Mon Jan 20, 2014 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Is there a low cost cell phone plan, limited minutes?
Replies: 63
Views: 3886

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1644. Hopefully! We have 13 more years to go before hubby considers early retirement. I'd like to buy more "on sale"!
by Boglemama
Mon Jan 06, 2014 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 13770

Re: What did you do with unwanted baby gear?

We have consignment shops that will take the items and give you cash or in-store credit. I'd call some locally and see what they are taking and when.
by Boglemama
Sat Jan 04, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: What did you do with unwanted baby gear?
Replies: 22
Views: 1286

Re: Career advice for niece (without College degree)

Get a solid blue collar skill. Plenty of people do very well as electricians, plumbers, etc. This is especially true if they learn the ropes and start their own business. The key is to have a solid set of skills. Sure you can be in computer science, engineering, get a business degree, get into bio-...
by Boglemama
Mon Dec 23, 2013 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Career advice for niece (without College degree)
Replies: 55
Views: 4496

Re: Career advice for niece (without College degree)

May I respectfully ask that everyone wake up from the 1950's. There are wonderful jobs that do not require degrees such as electrician, plumber, mechanic, etc. that are not traditionally female jobs and that pay very well. Maybe have her do an internship into one or more of them.
by Boglemama
Mon Dec 23, 2013 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Career advice for niece (without College degree)
Replies: 55
Views: 4496

Re: One more newbie joining the community

whoMe wrote:If you are single, how are you maxing out both a 401k and a 403b?


I am assuming the opening post meant to say that they have a 401 and 457, not a 403b, as they had said in the beginning of the post.
by Boglemama
Fri Dec 20, 2013 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: One more newbie joining the community
Replies: 16
Views: 1077

Re: London and Paris Trip Advice

Paris: La Aus de Falafel in Paris is WONDERFUL falafel sandwiches, extremely inexpensive, and quite an experience. The area also has many great ethnic eateries that are not expensive at all. One thing that we did around Paris was macaron tasting. We would sample the wonderful little cookies from eve...
by Boglemama
Sat Dec 07, 2013 6:48 pm
 
Forum: Personal Consumer Issues
Topic: London and Paris Trip Advice
Replies: 34
Views: 2418

Re: College Wealth - 2.25% APY FDIC insured

letsgobobby wrote:I'm surprised this isn't getting more play in a world where people are looking for yield and safety. 2%+ with no restrictions is pretty hard to beat, isn't it?


Indeed it is! Has anyone discovered a down side? :?:
by Boglemama
Wed Nov 20, 2013 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: College Wealth - 2.25% APY FDIC insured
Replies: 14
Views: 3057
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