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Re: Adopting

A relative adopted two kids from Russia approximately 5 yrs ago----one of the smartest things they did was go thru a reputable adoption agency that has boots on the ground in Russia. They sniffed thru the orphanages looking for the best candidates....not cheap, but very effective. They knew how to s...
by Flashes1
Mon Jan 26, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Adopting
Replies: 12
Views: 1052

Re: Adopting

A relative adopted two kids from Russia approximately 5 yrs ago----one of the smartest things they did was go thru a reputable adoption agency that has boots on the ground in Russia. They sniffed thru the orphanages looking for the best candidates....not cheap, but very effective. They knew how to s...
by Flashes1
Mon Jan 26, 2015 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Adopting
Replies: 12
Views: 1052

Re: wife's purse

Now that I think about it, my first big splurge out of college was the purchase of a $100 Coach wallet which I use to this day-----a couple decades later.
by Flashes1
Mon Jan 26, 2015 12:39 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 31
Views: 2464

Re: Is it time to give-up on TIPS?

Why would your current expectations or concerns about the future be any more prescient or accurate than they were when you intitially invested in TIPS? You readily acknowledge that your fears regarding QE driven inflation have not come to fruition. I have some financial acumen...I work in corporate...
by Flashes1
Mon Jan 26, 2015 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 17
Views: 1473

Re: Time to stop driving for 85 yo MIL

We had this problem with my grandfather. He was ticked, but he was a danger to others. Early dimentia.

My father ended-up disconnecting the battery------he'd be sitting in his car bewildered why the car wouldn't start. It was really a very very sad ending to the greatest man I have even known....
by Flashes1
Mon Jan 26, 2015 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3461

Re: soundproofing walls

The soundproofing experts give very little, if any, credit to so called "soundproofing" wall board. Plain old mass does the job. Double 5/8" wall board with green glue is what you want...but it has to be decoupled from the frame of your house to be effective. Insulation is recommended...
by Flashes1
Mon Jan 26, 2015 11:58 am
 
Forum: Personal Consumer Issues
Topic: soundproofing walls
Replies: 11
Views: 1014

Re: Scary taxes :(

Nice to see you paying your "fair share."
by Flashes1
Mon Jan 26, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Scary taxes :(
Replies: 18
Views: 3025

Re: What experts say about $5,000 watches

Here http://www.businessinsider.com.au/watches-of-wall-street-ceos-2014-2 is an article that mentions Jack Bogle's watch. It is *not* a $20-watch. Yes, and have you seen pictures of Mr. Bogle's house in Byrn Mar? Ha-ha.....let's say it would make most Kings blush!!!!! He is part of the 0.1% and he ...
by Flashes1
Mon Jan 26, 2015 10:04 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 904
Views: 172226

Re: soundproofing walls

Soundproofing walls is a science and is very complex if you want to do it properly. I have a dedicated home theater in my basement that no sound escapes from---I can crank the opening scene from Saving Private Ryan to the point it hurts my ears----and you can't hear a thing outside the room. I had s...
by Flashes1
Mon Jan 26, 2015 9:16 am
 
Forum: Personal Consumer Issues
Topic: soundproofing walls
Replies: 11
Views: 1014

Re: Should I overfund 529 plans for future generations?

It's a good question....it could be a very effective way to shield taxes while ensuring your offspring's offspring. This might be where paying for the services of a tax expert might be beneficial.
by Flashes1
Mon Jan 26, 2015 8:49 am
 
Forum: Investing - Theory, News & General
Topic: Should I overfund 529 plans for future generations?
Replies: 12
Views: 796

Re: Is it time to give-up on TIPS?

On the flip-side, the contrarion side of me is screaming to stay in them, Right. and selling them now would be poor timing. Right. I've read that a diversified investor should have one part of their portfolio that they absolutely hate. Right now, that's TIPS for me----I'm okay with everything else ...
by Flashes1
Mon Jan 26, 2015 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 17
Views: 1473

Re: Success stories of NOT buying more/too much house

We did the opposite....we ugraded to a custom-built house when we had kids so it would be more "family friendly." It's the best investment we've made....here's what we got: * Wooded back yard----great for kids to play in----can't see neighbors in the summer. I wanted kids to grow up around...
by Flashes1
Mon Jan 26, 2015 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 55
Views: 4447

Is it time to give-up on TIPS?

The forecasts of low inflation for several more years and possibly even deflation have me very concerned about my Vanguard TIPS mutual fund. Approximately 30% of my Bond portfolio is in TIPS mutual funds. I bought them as a hedge against runaway inflation due primarily to the effects of QE......whic...
by Flashes1
Mon Jan 26, 2015 7:53 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 17
Views: 1473

Re: wife's purse

Never heard of Tumi. Italian? Tumi is American.....they're more known for their luggage---but I'm sure they're purses are top notch quality. Tumi luggage is the preferred brand of road warriors---without question. You see someone in the airport toting a Tumi bag---it's safe to assume they know what...
by Flashes1
Mon Jan 26, 2015 7:39 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 31
Views: 2464

Re: wife's purse

Coach is good quality and will last a lifetime. I personally like the more understated yet refined brand image of Coach-----kind of an old money feel....as compared to the more "flashy" Fendi, Vouitton, etc. brands....which feel new money to me.
by Flashes1
Mon Jan 26, 2015 7:36 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 31
Views: 2464

Re: Gotta Be a Bear Market Coming

I thought the market has been overvalued for the past 3 years. Thankfully, I haven't made any dramatic changes to my investments.
by Flashes1
Fri Jan 23, 2015 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7587

Re: When/how to invest monthly savings into taxable?

I just switched to automatic investing for after tax investing a few months ago, and I couldn't be any happier. Previously, I bought on dips, but guess what? I never bought anything because I was always waiting for it to "go down a little more."
by Flashes1
Fri Jan 23, 2015 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: When/how to invest monthly savings into taxable?
Replies: 32
Views: 2792

Re: Help this dummy get back on track

Dollar cost average back into equities over 6-12 months.
by Flashes1
Fri Jan 16, 2015 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Help this dummy get back on track
Replies: 12
Views: 1263

Re: Help understanding Nationalwide 401k expense

Well, you could just do it all for her, and not worry about her lack of interest in such matters. Agreed. Some people will never have an interest in money matters, and that's fine. But they have to have someone who does care about money carefully look out for their best interests....and it sounds l...
by Flashes1
Fri Jan 16, 2015 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help understanding Nationalwide 401k expense
Replies: 13
Views: 857

Re: Retirees: Do you work part-time for pay?

My retired father has always been a car guy so in retirement he works at the local Ford dealership picking up cars at auction and bringing them back to the dealer. He likes the camraderie of riding to the auction in a van with 3-4 similiarly old guys....and then gets to drive the Fords back to the d...
by Flashes1
Fri Jan 16, 2015 7:32 am
 
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 4920

Re: Florida West Coast vacation with small kids

The Waldorf Astoria Naples is a lot of fun with kids. Really big pool with a "lagoon" entrance on one end (I think that's what they call it) which is great for little kids----there's a water slide,too. Short golf cart ride to the beach ---- free service--they come every 15 mins---kids have...
by Flashes1
Mon Jan 12, 2015 9:38 am
 
Forum: Personal Consumer Issues
Topic: Florida West Coast vacation with small kids
Replies: 24
Views: 2589

Re: Buying Euros for a France vacation in the summer

Echoing the previous poster, no one knows where the floor on the Euro is. Given the economic problems in Europe, it wouldn't be surprising if the Euro continues to weaken vs. the USD.
by Flashes1
Wed Jan 07, 2015 8:57 am
 
Forum: Personal Consumer Issues
Topic: Buying Euros for a France vacation in the summer
Replies: 13
Views: 1708

Re: Today is a Good Day to fund the 2015 IRA

Did $2k today for 2014....which means there will inevitably be a 5-10% correction in the next 2 weeks. It never fails.
by Flashes1
Mon Jan 05, 2015 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 8118

Re: Anyone have the X1 Platform from XFINITY yet?

Edit. Sorry, I thought question was about Disney Infinity game for Xbox One.
by Flashes1
Fri Jan 02, 2015 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have the X1 Platform from XFINITY yet?
Replies: 11
Views: 1303

Re: What did you enjoy spending money on this year?

Bought a $12k Hotspring Spa.....just a small % of portfolio appreciation in 2014.

Thank you John Bogle and thank you USA.....we are powerful when we work together. No other country like it in the history of the world.
by Flashes1
Tue Dec 30, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 5934

Re: Backyard Spa

We bought a Hotspring spa last year and like it a lot. If you're getting a big spa the single best investment you can make is buying a "mechanical lift" for the cover. It allows my 110 lb. wife to open it without much effort. $1,000 to run the electicity.

We get a lot of use out of it.
by Flashes1
Mon Dec 29, 2014 7:27 am
 
Forum: Personal Consumer Issues
Topic: Backyard Spa
Replies: 19
Views: 2183

Re: Preparing for a big move (US to Europe)

I might be missing something, but why doesn't the OP just find European employment with a large U.S. company? In case the OP hasn't read the WSJ for a few years, the EU is suffering thru a horrible recession.
by Flashes1
Fri Dec 26, 2014 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for a big move (US to Europe)
Replies: 26
Views: 2967

Re: I think I just got a $5,000 watch for Christmas

As the bull market continues to power on, I expect to see more threads like this. It's another great day to be an American.
by Flashes1
Fri Dec 26, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 904
Views: 172226

Re: butterflies investing $500K

I would recommend dollar-cost averaging. Transfer 1/12 of the $500k on the same day each month over the next year.
by Flashes1
Fri Dec 26, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: butterflies investing $500K
Replies: 28
Views: 3777

Re: What "actively" managed funds do you own?

I own Dodge & Cox - International in an IRA. I really like this fund, so I intend to hold it long term. It's approx. 3% of portfolio. I own American Funds - Europacific and Pimco - Total Return in a former employers' 401k.....the only thing keeping me from moving to Vanguard I also have a small ...
by Flashes1
Mon Dec 22, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 4796

Re: How do you define "being rich"?

Leif wrote:10 million or more in networth.


I'm a numbers guy. Touchy feely junk like "feeling content" don't work for me. $10MM is rich.
by Flashes1
Sun Dec 21, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9459

Re: Home Mortgage payoff

I love having my mortgage and checking account at the same bank----it allows me to easily make additonal principal payments to my mortgage----everytime I have a few hundred extra dollars in my Checking Account I apply it to the mortgage. I probably do this 4-5 times a month.
by Flashes1
Fri Dec 19, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Mortgage payoff
Replies: 22
Views: 2592

Re: On average, how often do you check your investment balan

dbr wrote:I am looking around at a possible add-on of some kind for Excel that would display my total asset balance as ticker tape on screen, updated continuously.


That would be sweet....and I'd like the ability to have some kind of program that would text me whenever my portfolio had increased $1,000.
by Flashes1
Fri Dec 19, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 53
Views: 3446

Re: On average, how often do you check your investment balan

On days the market's up---never on down days.
by Flashes1
Thu Dec 18, 2014 7:06 am
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 53
Views: 3446

Re: Bitcoin: The worst investment in 2014

The decline was predictable. For all its problems, the U.S. federal government has done a good job supporting the value of the Dollar. What are Bitcoins safeguards, and who's protecting it? Bitcoins reminds me of a certain religion practiced by some actors----it's totally made-up.
by Flashes1
Tue Dec 16, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin: The worst investment in 2014
Replies: 17
Views: 2268

Re: When to discuss finances with teens/young adults

Me too. Not upset by @flashes, but rather by the attitude related. [OT comment removed by admin LadyGeek] I'm trying to teach her the importance of working hard and being self-sufficient....not something about "social justice" whatever that means. Is that code for something I'm not aware ...
by Flashes1
Tue Dec 16, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to discuss finances with teens/young adults
Replies: 24
Views: 1904

Re: When to discuss finances with teens/young adults

I have a 9 yr. old girl who I think needs to work harder in school...yet she wants all these things in life like horses, etc. A friend said the best thing to do is to [OT comment removed by admin LadyGeek] show her what happens to people who didn't study hard in school and don't have good jobs.
by Flashes1
Tue Dec 16, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to discuss finances with teens/young adults
Replies: 24
Views: 1904

Re: What are your 2015 Financial Goals?

Continue to dream about a used Ferrari or 911....waiting for the right time...just waiting.
by Flashes1
Tue Dec 16, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 8237

Re: How can an Total US Index be improved?

Pizzasteve510 wrote:Reduce management costs to further lower fees.


Correct. It's very likely Vanguard is overpaying their managers. How much very highly compensated top talent do you need to run an index fund?
by Flashes1
Thu Dec 04, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: How can an Total US Index be improved?
Replies: 33
Views: 1955

Re: European underperformance - here to stay?

Europe has several big, long term obstacles: 1) social welfare costs in Europe are extraordinarily high---companies are very hesitant to hire staff, 2) high national debt, 3) low birth rate of natives---declining population coupled with an explosive birth rate of an immigration population that's str...
by Flashes1
Thu Dec 04, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: European underperformance - here to stay?
Replies: 32
Views: 2454

Re: AA and Pension?

Given how large the pension is, I would be slightly more aggressive with equities.
by Flashes1
Sun Nov 30, 2014 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: AA and Pension?
Replies: 31
Views: 2870

Re: Should 529s be counted part of our net worth?

It's an asset so it's part of my NW; however, for retirement purposes I focus on my Investable Assets minus my 529's. I keep separate allocation %'s for retirement vs. 529's since they're for different purposes and time frames.
by Flashes1
Sat Nov 29, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2590

Re: When do you feel comfortable financially to have kids?

It's a case-by-case basis-----but driven more by educational and age issues more than financial. We waited until wife completed residency....had a lot of med school debt (IMO, it was a lot)---but that didn't matter-----at the end of the day----a good general rule is if you're going to want kids, you...
by Flashes1
Thu Nov 27, 2014 8:28 am
 
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4462

Re: Girlfriend with a LOT of Student debt.

[OT comment removed by admin LadyGeek]
by Flashes1
Mon Nov 24, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13767

Re: Experiences using VRBO, Airbnb internationally

Can you tell by most postings if the owners are local or American?
by Flashes1
Mon Nov 24, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 26
Views: 2723

Re: Bogleheads, tell me about your 40's?

I'm in my mid-40's now and learned: 1. I'm never going to be Gordon Gekko who was my idol in college. 2. I don't want that BMW that I dreamed of in college. 3. It's harder to keep off the lbs. and be really active in my young kids' lives. 4. More aches & pains. 5. Hangovers can last 2 days after...
by Flashes1
Fri Nov 21, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 19843

Re: How to buy "junk" bonds as an individual investor?

I think the OP is talking about buying individual bonds but he/she sounds unsophisticated. No offense to the OP, but unsophisticated investors can be fleeced pretty easily especially in this type of investing. I think individual bond purchases can be very lucrative for the individual when done right...
by Flashes1
Sun Nov 16, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: How to buy "junk" bonds as an individual investor?
Replies: 24
Views: 1708

Re: Inheritance/Retirement Planning Question

With your age, income and savings rate, I would recommend staying at a Disney hotel rather than the Days Inn. Enjoy your money a little bit. And I think an inheritance needs to be considered...I certainly wouldn't put all my eggs in that basket, but it would be in the back of my mind. Use good judgm...
by Flashes1
Tue Nov 11, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance/Retirement Planning Question
Replies: 25
Views: 2138

Re: New Tony Robbins Book on Financial Freedom

He's a strong Boglehead.
by Flashes1
Mon Nov 10, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 89
Views: 20557

Re: Messy baby restaurant etiquette

I try to clean-up my kids' mess the best I can--------then leave an extra big tip to the server.
by Flashes1
Mon Nov 10, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 5014
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