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Re: Looking for advice on creating a Will

Where did you get the idea it would be $3-$5k? We did a complete will/POA/Health directives with an attorney for $500. Why don't you call around to some estate lawyers and ask what the basic package is? Most of this stuff is fill-in-the-blank with the lawyer clarifying your wishes and making sure e...
by ProfessorX
Mon Aug 18, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2381

Re: Looking for advice on creating a Will

...I don't have a lot of good experience with lawyers in Philadelphia, the city where I live. And I anticipate that if I walk into some highly recommended lawyers office in Philly they won't consider me worth their time for less than $3K-$5K. That's a lot of money to me!... Philadelphia is a large ...
by ProfessorX
Sat Aug 16, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2381

Re: So where's that inflation many forecasted?

I think some of the people who predicted inflation were using economic models that do not work very well in situations when we have a "liquidity trap". Many of the "liquidity trap" advocating economic theorists got inflation and other predictions right. It's just that not everybo...
by ProfessorX
Mon Aug 11, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: So where's that inflation many forecasted?
Replies: 43
Views: 2603

Re: Looking for advice on creating a Will

What happens if you have more children? Do you have to draw up a whole new Will? Or can it be amended?
by ProfessorX
Thu Aug 07, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2381

Re: Looking for advice on creating a Will

Thanks for everyones feedback. My main issue is that I don't have a lot of good experience with lawyers in Philadelphia, the city where I live. And I anticipate that if I walk into some highly recommended lawyers office in Philly they won't consider me worth their time for less than $3K-$5K. That's ...
by ProfessorX
Thu Aug 07, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2381

Re: Looking for advice on creating a Will

I also have a 2 year old, and her mother and I have very basic wills leaving everything to each other and creating a trust for the minor child in the event that both of us are dead. The will names a trustee and an alternate/secondary trustee, as well as a guardian for the child. Our state provides ...
by ProfessorX
Thu Aug 07, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2381

Looking for advice on creating a Will

My wife and I have a two year old son and we live in a HCOLA. We both took out substantial life insurance policies about six months ago. We have a house, a mortgage, and retirement savings etc. All accounts and property are either joint or the accounts themselves have beneficiary designations. So do...
by ProfessorX
Thu Aug 07, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2381

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

It's disappointing that whoever these companies are don't reveal the password breach to their customers. They might not even know. Being vulnerable to SQL injection implies a very low level of expertise. It sounds like they do know: Hold Security would not name the victims, citing nondisclosure agr...
by ProfessorX
Wed Aug 06, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7369

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

So the NYT got tricked into acting like free advertising for a Cyber Security Firm that carefully tried to over dramatize a security thread for profit?
by ProfessorX
Wed Aug 06, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7369

Re: Vanguard sued for charging too little

But unlike mutual insurers and credit unions, which operate under well-established federal laws, no law gives Vanguard the right to operate on a tax-free basis, Danon argued in his lawsuit and in interviews with The Inquirer. I think Danon is purposefully obfuscating the issue. Vanguard is not a no...
by ProfessorX
Wed Aug 06, 2014 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 173
Views: 19168

Re: Your opinion of mint.com

I have used mint for years and I am very comfortable with it. I consider my financial accounts to be MORE SECURE not less because I use mint. For instance, more than once I have discovered fraudulent activity on my accounts right away because of MINT. I am fairly certain that I would not have discov...
by ProfessorX
Wed Aug 06, 2014 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 38
Views: 2929

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

It's disappointing that whoever these companies are don't reveal the password breach to their customers. They might not even know. Being vulnerable to SQL injection implies a very low level of expertise. It sounds like they do know: Hold Security would not name the victims, citing nondisclosure agr...
by ProfessorX
Tue Aug 05, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7369

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

It's disappointing that whoever these companies are don't reveal the password breach to their customers.
by ProfessorX
Tue Aug 05, 2014 10:06 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7369

Re: Vanguard sued for charging too little

Sure hope Vanguard wins this lawsuit.
by ProfessorX
Tue Aug 05, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 173
Views: 19168

Re: New York City pension mess - NY Times

I created a thread about the Pennsylvania pension mess last year that got locked. IIRC, it had to do with the forum policy of not talking about politics and the stupidity of others and instead to talk about topics that help people invest. In any event, if you are complaining about the 7% guaranteed ...
by ProfessorX
Tue Aug 05, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: New York City pension mess - NY Times
Replies: 15
Views: 1617

best way to compare your investment ROR to a benchmark?

Hello Bogleheads! So I have a semi-tilted slice and dice portfolio with some Small Value, some REIT, some Emerging Markets, Total Stock Market, 20% Bonds, etc. A total of six funds. I wanted to figure out an easy way to compare my portfolio to a benchmark like a the target retirement fund that holds...
by ProfessorX
Fri Jun 20, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: best way to compare your investment ROR to a benchmark?
Replies: 2
Views: 222

Re: advice regarding hard to find HVAC freon leak

While one can't argue with the level of bogglehead enthusiasm, perhaps asking the question at a site such as http://diy.stackexchange.com/ or http://hvac-talk.com/vbb/ might result in a more focused answer. Thanks! I already got help here and elsewhere that answered my questions. And I posted the r...
by ProfessorX
Tue Jun 10, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: Dow going to continue up?

Do any of you think these comments from here are valid? http://finance.yahoo.com/blogs/talking-numbers/we-are-about-to-enter-the-greatest-bull-market-in-85-years-225051152.html It's inflation. Works the same whether more dollars are chasing the same number of widgets or the same amount of stock equ...
by ProfessorX
Mon Jun 09, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Dow going to continue up?
Replies: 22
Views: 1642

Re: advice regarding hard to find HVAC freon leak

A "secret warranty" is one not included in your documentation but given by a manufacturer when you ask because they have had numerous problems with the equipment. They don't want to publish it, but it mysteriously it is given if you push them a little. Very common in the car industry. Als...
by ProfessorX
Wed Jun 04, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: advice regarding hard to find HVAC freon leak

Thanks to everyone for all your help!
by ProfessorX
Wed Jun 04, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: advice regarding hard to find HVAC freon leak

The cost of the R-22 freon was $60.00 per pound and he put in 8 pounds. That is a steep markup. Virgin R-22 is going for under $10/lb in 30lb tanks. It's worth mentioning that there are a number of R-22 alternatives that are EPA SNAP approved and while they generally require a full pumpdown, some d...
by ProfessorX
Tue Jun 03, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: advice regarding hard to find HVAC freon leak

Easy Seal is just a temporary fix at best. You should just go ahead and replace the coil. Check to see if you have a warranty on the coil (manufacturer will tell you - sometimes there are "secret" warranties). If so, you may just have to pay for labor. Thanks! What is a "secret"...
by ProfessorX
Mon Jun 02, 2014 11:59 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: question about Dependent Care Flexible Spending Account

Thanks! I will call both our jobs to ask too!!!
by ProfessorX
Thu May 29, 2014 7:00 am
 
Forum: Personal Finance (Not Investing)
Topic: question about Dependent Care Flexible Spending Account
Replies: 7
Views: 575

question about Dependent Care Flexible Spending Account

Hello! I work at a big University. So I am able to put money into things like a "Dependent Care Flexible Spending Account". Recently my wife was also offered the opportunity to pay into such an account at her job. Here are the contribution restrictions on such an account from my Job: Singl...
by ProfessorX
Tue May 27, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about Dependent Care Flexible Spending Account
Replies: 7
Views: 575

Re: advice regarding hard to find HVAC freon leak

Thanks for everyone's help! An HVAC tech came over with a leak detector and found out that my coils leak. Someone else recommended to me this product "easy seal". It is some kind of additive: http://www.amazon.com/Nu-Calgon-EasySeal-Total-System-Protection/dp/B005DTLM1O Some people say its...
by ProfessorX
Sun May 25, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: The Three Fund Portfolio: "Make more money and worry les

If you're investing for a long-term goal such as retirement, then keeping it simple with a portfolio of three to six broad-based, low-cost mutual funds can pay off in the long run. Rebalance on occasion, and you'll be well on your way.


I'm closer to the six funds.
by ProfessorX
Tue May 20, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio: "Make more money and worry less"
Replies: 8
Views: 2557

Re: advice regarding hard to find HVAC freon leak

accidental double post
by ProfessorX
Tue May 20, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: advice regarding hard to find HVAC freon leak

Thanks to everyone for your feedback! I am researching purchasing a whole new HVAC system now. (Not sure what I am going to do.) Does anyone know what are good brands of manufacturers that make HVAC systems? Is Lennox good? Coleman? Other brands? What is a good way to research HVAC brands? One guy q...
by ProfessorX
Tue May 20, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: advice regarding hard to find HVAC freon leak

FWIW my leak was so slow the refrigerant sniffer did not find it - and the tech said it was good down to ppm levels. This is not a DIY project IMHO. When they evacuate and pressure test, they can isolate the inside coil, outside heat exchanger, and lines between the two. Thus narrowing the search d...
by ProfessorX
Tue May 20, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: advice regarding hard to find HVAC freon leak

Had a new Carrier unit put in about two years ago. It did not seem to be running quite right so I called the same company who installed it for an inspection. Service tech found the refrigerant was quite low. The service tech went into my attic where the air handler is located and used a small elect...
by ProfessorX
Tue May 20, 2014 7:38 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: advice regarding hard to find HVAC freon leak

Yeah HVAC techs where I live charge $80+ an hour. Their leak checking visual inspection with soapy water last year took several hours. The use of soap bubbles seems pretty strange to me. There are all sorts of relatively inexpensive devices available for refrigerant detection that would be far fast...
by ProfessorX
Mon May 19, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: advice regarding hard to find HVAC freon leak

Yeah the builders who bought my HVAC unit probably bought it because they got it on clearance because it uses R-22. LoL.
by ProfessorX
Mon May 19, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: advice regarding hard to find HVAC freon leak

Is the system not under warranty? If it is, putting in the dye may void the warranty. I had a similar problem and it turned out that the leak was in the inside coil. The pressure test did not reveal a thing until they sent out another tech who turned on my furnace (in July). Once the interior coil ...
by ProfessorX
Mon May 19, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: advice regarding hard to find HVAC freon leak

Yeah HVAC techs where I live charge $80+ an hour. Their leak checking visual inspection with soapy water last year took several hours. The guys I have been using said the R-22 coolant is very expensive because of the EPA restrictions on it nowadays. They have big maintenance contracts with office bu...
by ProfessorX
Mon May 19, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: advice regarding hard to find HVAC freon leak

Professor, I am worried about this "banned substance". Is it potentially harmful if leaking to you or others? Also, if the pressure test shows there is a leak, will it actually localize it or just confirm it? Because after that I assume it would have to be located. R-22 is being phased ou...
by ProfessorX
Mon May 19, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

advice regarding hard to find HVAC freon leak

Hello, I have a five year old new construction house with a leaky freon HVAC. (It uses the banned R-22 kind too.) Last year they filled up the freon and did a human inspection for leaks (with no high tech leak finders) for $350. This year the freon is about half empty and they want to do a pressure ...
by ProfessorX
Mon May 19, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2948

Re: madsinger monthly report (January 2014)

Thanks!

Anyone know what is in the "Hot Hands" portfolio?
by ProfessorX
Tue Feb 04, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2014)
Replies: 32
Views: 3867

Re: Bought in, and then they start tumbling

What do I do? First thing, whenever I make a large contribution I also "rebalance my AA". So even if the market starts tumbling, and it was high, I likely sold stocks and bought Bonds and I remind myself that I just took some stocks off the table. Second thing, I never buy stocks if I don'...
by ProfessorX
Tue Feb 04, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Bought in, and then they start tumbling
Replies: 51
Views: 6587

Re: Keurig vs normal coffeemaker?

I've had my Keurig for over six years, using it every day several times. It is still going strong. I know other people whose broke after a while though. The machines are not too expensive though.
by ProfessorX
Sat Feb 01, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 8142

Re: Keurig vs normal coffeemaker?

I don't understand the comments about being able to make a single cup without wasting the rest of the pot. I make a single cup of great tasting coffee every morning in our 12-cup coffee maker, with no waste. You don't have to brew a full pot just because that's the max. When we've stayed with frien...
by ProfessorX
Sat Feb 01, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 8142

Re: Keurig vs normal coffeemaker?

If you only drink one cup a day you don't end up throwing out the eleven cups you didn't drink from your twelve cup coffee maker. Now if you drink twelve cups a day, the one cup Keurig is not the best idea. I have a keurig and this is not true IMO. They make decent coffee. This is coming from someo...
by ProfessorX
Sat Feb 01, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 8142

Re: Will Vanguard Asset Management keep legacy assets?

toddclaussen wrote:I know I should be asking VG this question, but nobody will call me back!


Did you tell them it's about transferring substantially more than $800K? They called me back numerous times, and assigned me a transfer advisor, about transferring a small fraction of that amount.
by ProfessorX
Thu Jan 30, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard Asset Management keep legacy assets?
Replies: 3
Views: 510

Re: My annualized returns are better than yours. Why?

krick wrote:
kerplunk wrote:Image

kerplunk, if you don't mind me asking... What software/site did you use to generate these images?


That's just the google finance web interface. Plus any random free screen grab image utility.
by ProfessorX
Wed Jan 29, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6775

Re: TurboTax discount for Vanguard users

Nice! Thanks! That's a good discount!
by ProfessorX
Wed Jan 29, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: TurboTax discount for Vanguard users
Replies: 2
Views: 442

Re: 2013 TurboTax: Which Product? New Rules?

Kevin... Thanks for your thorough and thoughtful response. My response was removed by the admin because it was not in response to a factual error. Nevertheless, your response is much better than mine. My effort to provide meaningful responses to questions posted here is quite frustrating. Bob Meigh...
by ProfessorX
Wed Jan 29, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 32247

Re: "MyRA": in addition to the limits of ROTH and 401k?

IFKC wrote:What legislation is pending? This is an Executive action, not Congressional legislation.

Seriously, I don't see the threads. Can you point to one?


That's a slight technicality that is not currently allowed by the site administrators, since it is a pending action.
by ProfessorX
Wed Jan 29, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4598

Re: 2013 TurboTax: Which Product? New Rules?

And I was wondering if I can download my tax information from the "web edition" from previous years into the "download edition" for this year? bmeighan has answered your question. See this post. http://www.bogleheads.org/forum/viewtopic.php?p=1941770#p1941770 In a follow up, he ...
by ProfessorX
Wed Jan 29, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 32247

Re: "MyRA": in addition to the limits of ROTH and 401k?

It is against the TOS to discuss pending legislation.
by ProfessorX
Wed Jan 29, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4598

Re: 2013 TurboTax: Which Product? New Rules?

Sorry if I am confusing people with my posts. Here is what I wanted to know. In previous years I have used the turbo tax "web edition" (https://turbotax.intuit.com). This year, as a result of the price increases for people with investments on the "web edition", I am thinking abou...
by ProfessorX
Wed Jan 29, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 32247
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