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Re: My husband's " WILL", $ left for me to live on....

Sounds like OP might be better off to divorce the guy and get her "inheritance" early.
by bungalow10
Thu Aug 28, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16524

Re: Which bed should I buy?

bhead33 wrote:Not to hijack your thread but since you mentioned you were a side sleeper - any recs for a good pillow for a fellow sidesleeper ? I have an awful crick in my neck every day and all my pillows are useless.


Down. Pillows are expensive - ~$100 each if you can find a deal, but worth it.
by bungalow10
Thu Aug 28, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: Which bed should I buy?
Replies: 20
Views: 1622

Re: Help with windfall choices and dividing inheritance

Regarding the IRA - if you can take RMDs, I would do that. I would redirect the money into the kids' 529 accounts and when they get to college, use the 529s and RMDs to fund as much as you can.
by bungalow10
Thu Aug 28, 2014 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with windfall choices and dividing inheritance
Replies: 14
Views: 952

Re: Which bed should I buy?

@bungalow10 - I've heard about these, but usually don't see them in the normal stores. I believe there is at least one specialty store here in town, maybe will check it out. How is the firmness? I find as a side sleeper, the firmness of a mattress is very tricky. Do you mind revealing how much your...
by bungalow10
Thu Aug 28, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Which bed should I buy?
Replies: 20
Views: 1622

Re: Questions for Landlords

I was talking about the small holes created while hanging a bike rack, plasma tv and paintings. Our lease states that tenant must clean the place and leave in the same condition as the one they received. However I also assumed that most tenants don't allocate the time to clean up the place properly...
by bungalow10
Wed Aug 27, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for Landlords
Replies: 22
Views: 1436

Re: Questions for Landlords

Renters clean. We patch and paint if it's normal wear and tear - they pay if it's related to abuse or damage.
by bungalow10
Wed Aug 27, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for Landlords
Replies: 22
Views: 1436

Re: Savers vs. Spenders: Default Mode

I was thinking about this today and thought it would be a good subject to develop here. For "savers" (a minority), the default mode is that income should be saved, and it's somewhat painful to spend part of it. But for spenders, the mindset is that all income should default to spending, a...
by bungalow10
Wed Aug 27, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2183

Re: What's "The Herd" doing today?

I have read that index investing in general, and investing with Vanguard in particular, are becoming more and more popular. http://online.wsj.com/articles/investors-pour-into-vanguard-eschewing-stock-pickers-1408579101 From this, I conclude the herd is moving from actively managed to index fund inv...
by bungalow10
Wed Aug 27, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3415

Re: How to safely sell a big ticket item online

I'm thinking if I go with the buyer to a bank and see the cashier produce a cashiers/certified check (not sure of the difference yet) that I'll feel fine. I'm not terribly worried about a crook having a bank cashier as a co-conspirator, although I'm sure it could/has happen(ed). Now I need a plan f...
by bungalow10
Wed Aug 27, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 38
Views: 1890

Re: Which bed should I buy?

DH and I are side sleepers, with him also sleeping on his back some and me on my stomach some. Our kids also like to crash our bed. We love our latex mattress. We purchased it at least three years ago and it might be four now. It's comfortable temp-wise (we don't have AC) and it has almost zero tran...
by bungalow10
Wed Aug 27, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Which bed should I buy?
Replies: 20
Views: 1622

Re: How to safely sell a big ticket item online

Definitely do not provide your email address to anyone unless you screen them first and are sure you can trust them. Or just don't give it out at all unless it's necessary, like on Paypal. First get their contact info and then contact them by phone after you are certain they are serious. This is wh...
by bungalow10
Wed Aug 27, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 38
Views: 1890

Re: How to safely sell a big ticket item online

At this point, I don't know why having my (nonexistent) PayPal info would be helpful, but I went back and checked and even Craigslist says not to give it out. I was surprised but I don't know how a legit transaction would take place on PayPal - I guess that info is not usually shared. Maybe they co...
by bungalow10
Wed Aug 27, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 38
Views: 1890

Re: New home worth the extra $$?

My wife and I are first time home buyers and started looking at houses this weekend and saw a couple of new houses which we really liked. The difference between a 10 year old house and a new house is about 25K (the older homes are in the 390-400K range the newer ones are in 415-425K range), do you ...
by bungalow10
Tue Aug 26, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: New home worth the extra $$?
Replies: 17
Views: 1740

Re: Is it me, or are "collectibles" worthless in 2014?

What eBay fails to realize is that the small occasional seller was also an eBay buyer. When you run off the sellers, you also run off the buyers. There are simply less buyers on eBay now than in 1999 and early 2000's. I think you nailed it. I used to buy and sell on ebay. When it turned to junk and...
by bungalow10
Tue Aug 26, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6010

Re: Husband rear-ended, driver ignoring his insurance

State Farm usually has direct bill repair shops. Who told you that you had to pay out of pocket?

I suggest you call your agent and figure this out. You will get better info from him/her than you will from the internet.
by bungalow10
Tue Aug 26, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 43
Views: 4429

Re: Purchasing I bond vs. paying off student loan

wannabebogler wrote:
bungalow10 wrote:Pay off the loan. Why wouldn't you?


The only reason I haven't is the low cost of borrowing.


1.94% < 2.62%
by bungalow10
Tue Aug 26, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing I bond vs. paying off student loan
Replies: 19
Views: 1012

Re: Purchasing I bond vs. paying off student loan

Pay off the loan. Why wouldn't you?
by bungalow10
Tue Aug 26, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing I bond vs. paying off student loan
Replies: 19
Views: 1012

Re: Kimchi

It's exciting to see so many fermentos on the Boglehead forum. If anyone is in Central Wisconsin area, you should try to pay a visit to Fermentation Fest in October. Classes, events, art, food. It's a good time.
by bungalow10
Thu Aug 21, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Kimchi
Replies: 40
Views: 1860

Re: Kimchi

I tried making it and it was horrible. I love fermented food, but it just wasn't good. So try to find a good recipe, or a Korean grandmother, before you start. I had neither, and it showed in the results.
by bungalow10
Thu Aug 21, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Kimchi
Replies: 40
Views: 1860

Re: Buying a home with aluminum wiring?

The safety of knob and tube wiring: http://www.oldhouseweb.com/how-to-advice/knob-and-tube-wiring.shtml In my 100 year old house the visible stuff was in fine shape. The electrician (an old experienced guy) said to leave it alone and I did. Good luck when you go to sell - insurance companies will n...
by bungalow10
Thu Aug 21, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 4573

Re: Buying a home with aluminum wiring?

dolphinsaremammals wrote:The safety of knob and tube wiring:

http://www.oldhouseweb.com/how-to-advic ... ring.shtml

In my 100 year old house the visible stuff was in fine shape. The electrician (an old experienced guy) said to leave it alone and I did.


Knob and tube is usually copper, not aluminum.
by bungalow10
Thu Aug 21, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 4573

Re: 2 year Boglehead anniversary - pulse check

Not bad!! You are +47k over two years when you exclude the home debt that you were able to get out from under by short selling.
by bungalow10
Wed Aug 20, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 year Boglehead anniversary - pulse check
Replies: 9
Views: 590

Re: Do we plunder our retirement to pay off student debt?

I wouldn't take out a loan to pay off a loan - that really isn't solving a problem, just shifting it to somewhere you can more easily ignore it. If I were in your shoes, I would follow the Dave Ramsey baby steps. 1. Get the 401ks matches (okay - so Dave wouldn't do this, but I think it's prudent in ...
by bungalow10
Wed Aug 20, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do we plunder our retirement to pay off student debt?
Replies: 30
Views: 2602

Re: Interior Door Leverset

Anyone have experience with A. Homehardware4less B. Emtek interior door hardware (modern suttgart leverset). We are having our cabinet maker make our interior doors, which will be higher quality than the typical mdf type doors purchased from the lumber yard, and we want to accordingly purchase high...
by bungalow10
Tue Aug 19, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Interior Door Leverset
Replies: 3
Views: 428

Re: Carrara Marble - Large Orange Stain

There is not much you can do. We had marble for kitchen countertops at our old house--beautiful when new, but stains everywhere after 6 years--never again! Also they are very brittle and prone to cracks if not installed correctly and/or house settles. I'm not a fan of the marble countertops/stainle...
by bungalow10
Tue Aug 19, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: Carrara Marble - Large Orange Stain
Replies: 13
Views: 1324

Re: How to organize accounts for paying off $50k in debt.

1) Download the free one-month trial of YNAB: http://www.youneedabudget.com/ 2) Commit to using it seriously. Watch the videos, read their forums, etc. 3) When your trial expires, you'll be ready to buy it. Make sure to find a referral code which saves you $6. The person whose code you use also get...
by bungalow10
Fri Aug 15, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: How to organize accounts for paying off $50k in debt.
Replies: 13
Views: 1130

Re: Car Value/Income

We have two cars, worth about $8k total. Income is $125k/year.

That's about 6%.
by bungalow10
Thu Aug 14, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Value/Income
Replies: 22
Views: 1912

Re: Removed Deck, New Patio, exposed ugly foundation - how t

Cover it with a nicely painted board?
by bungalow10
Thu Aug 14, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Removed Deck, New Patio, exposed ugly foundation - how to ma
Replies: 7
Views: 503

Re: your eye doctor; your eyes....

dm200 wrote:1. This probably depends on state law, but my understanding and experience is that only ophthalmologists dilate pupils for an examination; optometrists do not


I know this is not true in Iowa or Wisconsin.
by bungalow10
Fri Aug 08, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: your eye doctor; your eyes....
Replies: 41
Views: 3282

Re: your eye doctor; your eyes....

My husband, I, and two of my kids go to the optometrist. My youngest child, 18 months, goes to a pediatric ophthalmologist. He was born with hearing loss, and part of his "team" monitoring his growth and development is his ophthalmologist. He gets annual screenings for issues with his opti...
by bungalow10
Fri Aug 08, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: your eye doctor; your eyes....
Replies: 41
Views: 3282

Re: What do you think? Medical Coverage Cost / Coercion ?

Please, tell me which risks preclude someone from merely taking a blood test? A blood test could indicate that an employee has or is at risk for a chronic medical condition, which could encourage the employer to discriminate against that employee (i.e. because the employee will increase the price o...
by bungalow10
Thu Aug 07, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1774

Re: What do you think? Medical Coverage Cost / Coercion ?

This is moral claim and it it's one that many people disagree with when the risks are outside of the person's control (i.e. many health conditions). No, it's not. Insurance, by definition, is based on risk. If someone is high-risk, they should bear more of the cost. If you act to reduce your risk (...
by bungalow10
Thu Aug 07, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1774

Re: What do you think? Medical Coverage Cost / Coercion ?

AviN wrote:Does your employer have 15 or more employees? If so, this appears to be a violation of the Americans with Disabilities Act:

http://digitalcommons.ilr.cornell.edu/c ... edicollect


Which part is it in violation of?
by bungalow10
Thu Aug 07, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1774

Re: Looking for advice on creating a Will

I'm in WI and opted to NOT use the standard format, the will we have had written is slightly different, in some ways that were important to me. Just curious, if it is something you are free to post here, what were some of the differences that you couldn't incorporate into the standard template? In ...
by bungalow10
Thu Aug 07, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2431

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 bungalow10
Thu Aug 07, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2431

Re: What do you think? Medical Coverage Cost / Coercion ?

Why should the individual impose their "rights" to the detriment of the whole who are on the whole, trying to do better? Don't impose your costs onto me. ? This is a political question. :annoyed No, it's not. Insurance, by definition, is based on risk. If someone is high-risk, they should...
by bungalow10
Thu Aug 07, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1774

Re: What do you think? Medical Coverage Cost / Coercion ?

I'm for it. 8-) Why should I should I pay for emergency care for someone else when that care could have been detected and treated in routine-annual exams. Why should I pay for my coworkers poor lifestyle habits? Does anyone think that the extra premium that tobacco users pay, pays for the entire ri...
by bungalow10
Thu Aug 07, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1774

Re: Potato Barrel

My dad did for one year. It didn't work that well.

My husband plants potatoes in and around our compost bins. Best potatoes ever and no need for an extra barrel.
by bungalow10
Thu Aug 07, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Potato Barrel
Replies: 18
Views: 2049

Re: What do you think?

ResearchMed wrote:Unless the employer is a government agency, I'm not sure there is anything illegal or unconstitutional about making medical testing a condition of employment.


Is this test for employment or for health insurance? My understanding was that this was for health insurance coverage. Big difference.
by bungalow10
Wed Aug 06, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1774

Re: What do you think? Medical Coverage Cost / Coercion ?

You'll see a lot more of this as ACA becomes fully implemented. Another thing that is become very prevalent is denying coverage to spouses if they have access to their own group health insurance, regardless of cost. If this is a large company, I would venture to say that they have done their resear...
by bungalow10
Wed Aug 06, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1774

Re: Term4sale.com vs USAA vs both?

I've had good luck getting quotes from Zander Insurance.
by bungalow10
Wed Aug 06, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term4sale.com vs USAA vs both?
Replies: 10
Views: 1004

Re: average American eats out 203 times per year

I saw this stat in an article about retirement: Retirees over the age of 65 bought an average of 193 meals each at restaurants last year up from 171 in 2009, according to the latest data from the NPD Group, a market research firm that tracks eating trends. That's slightly less than adults over age ...
by bungalow10
Tue Aug 05, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6428

Re: Should i Buy a new car

So here's the situation, I'm 38 yrs old physician, married 4 yr old daughter. I make 400K+/yr. I have 6 months of emergency funds saved up and I started my retirement investments just 2years ago and just opened Roth for me and my wife and taxable account at vanguard recently. I also have 529 for my...
by bungalow10
Tue Aug 05, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 3967

Re: HELP! Budget Out of Control

OP - Check out YNAB - You Need a Budget. It is software that will help you set up and execute a monthly budget. It's been very valuable to us, it will probably make you see your entire financial picture differently (good or bad). Regarding your insurance - insuring two cars, our house, and an umbrel...
by bungalow10
Tue Aug 05, 2014 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3660

Re: HELP! Budget Out of Control

I have been reading this forum for about 2 years and have really just started to align my financial plan with the Bogleheads. In that spirit I am asking for some help. My budget has increased proportionally with my salary. I am painfully aware of the fact "the more you make the more you spend....
by bungalow10
Mon Aug 04, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3660

Re: Just started my taxable account!

I finally took the plunge and made my first taxable investment - $10k of VTSAX!! I'm really wishing I had done it back in March, but I needed the time to get comfortable with the idea. I still have $10k more I can put in taxable, I'm just not sure exactly where to put it yet. I have $21k in ibonds,...
by bungalow10
Mon Aug 04, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just started my taxable account!
Replies: 6
Views: 675

Re: Just started my taxable account!

One thing I learned here is to treat all your accounts combined as one portfolio. When you do, it's easier to manage and simple enough. Our other accounts (401k, two Roth IRAs) are at Fidelity. But in this case, I really wanted new accounts to be at Vanguard. Another thing I learned here is to try ...
by bungalow10
Mon Aug 04, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just started my taxable account!
Replies: 6
Views: 675

Just started my taxable account!

Thanks to everyone who has answered my questions over the last year... I finally took the plunge and made my first taxable investment - $10k of VTSAX!! I'm really wishing I had done it back in March, but I needed the time to get comfortable with the idea. I still have $10k more I can put in taxable,...
by bungalow10
Mon Aug 04, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just started my taxable account!
Replies: 6
Views: 675

Re: Trying to decide if I should close this CD early?

Wait until you decide if you want to keep the condo and decide at that time.
by bungalow10
Mon Aug 04, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to decide if I should close this CD early?
Replies: 3
Views: 440

Re: Upcoming Redundancy - What to do ahead of time?

I had a coworker who refinanced his 15 year mortgage to a 30 year. His logic was that his emergency fund would last longer.

Open HELOCs and personal lines of credit.
by bungalow10
Thu Jul 31, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Upcoming Redundancy - What to do ahead of time?
Replies: 3
Views: 596
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