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Re: 85 yr old dad making financial moves

Tks for the test. I will do this.
by chrisjul
Wed Apr 16, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: 85 yr old dad making financial moves
Replies: 7
Views: 1632

Re: 85 yr old dad making financial moves

Jazztonite predicted the future: " Like your father, they were "losing it." My Dad was doing things like walking into his bank and telling a guy in suit that he had some money to invest, and what would he recommend? Dad wound up putting tens of thousands of dollars into high commissio...
by chrisjul
Sun Apr 13, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: 85 yr old dad making financial moves
Replies: 7
Views: 1632

85 yr old dad making financial moves

I found today that my Dad, who is losing it rather quickly, has recently made a sizable investment with "FTB Advisors". I believe this is a wealth management organization associated with First Tennessee Bank. He has asked for my help in "organizing" his finances. He does not reca...
by chrisjul
Sat Apr 12, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 85 yr old dad making financial moves
Replies: 7
Views: 1632

Online Wills

I am 62 and my wife and I don't have wills.

We have 2 sons to split everything equally.

I am thinking an online will is fine..

Would appreciate your input. Do I need an actual attorney to draw it up or is the online product fine?

Tks in advance!
by chrisjul
Sat Mar 15, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Wills
Replies: 27
Views: 2427

Re: Advice needed on problem neighbors

Advice, yes......Lighten UP!
by chrisjul
Sat Mar 01, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Advice needed on problem neighbors
Replies: 30
Views: 3144

Re: SUV Vs Sedan

"Safer"????

Review rollover statistics of SUVs vs sedans.
by chrisjul
Thu Jan 30, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: SUV Vs Sedan
Replies: 50
Views: 3583

Re: How did you transition from saving mode to spending mode

Not a problem....the transition was the whole point of the long term plan...spending is fun part
by chrisjul
Sat Jan 25, 2014 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: How did you transition from saving mode to spending mode?
Replies: 15
Views: 1829

Re: How to weather the upcoming bond crash in my 401k

Well, you will find this an interesting but consistent group. I suspect they will recommend that you "stay the course" regardless of bond performance. I would suggest that you also seek other opinions also. The bond allocation recommended here may disappoint you over the short term. I thin...
by chrisjul
Fri Jan 10, 2014 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to weather the upcoming bond crash in my 401k
Replies: 81
Views: 5742

Re: Mini Cooper or Fiat 500?

Neither. Check JD Powers and Consumer Reports.

Go with Miata.
by chrisjul
Thu Jan 09, 2014 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 3816

Re: spending in retirement?

My spending went UP and dramatically UP…but I was prepared for it.

I had no time to travel or really do anything when I was working….now I do.
by chrisjul
Fri Jan 03, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: spending in retirement?
Replies: 40
Views: 3899

Re: To payoff mortgage or not

I agree. Financially maybe there are better alternatives but I have paid off 2 and the psychological benefits (to me) are immense.

good luck
by chrisjul
Fri Jan 03, 2014 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: To payoff mortgage or not
Replies: 59
Views: 2810

Re: Save me from myself. 100% equity position.

You've got balls.

I like the plan (for now).
by chrisjul
Sat Dec 21, 2013 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save me from myself. 100% equity position.
Replies: 62
Views: 4415

Re: I might buy this car from car max

I would choose a Crown Vic if you are over 80.
by chrisjul
Thu Nov 28, 2013 3:05 pm
 
Forum: Personal Consumer Issues
Topic: I might buy this car from car max
Replies: 37
Views: 3069

Re: Should I sell my car?

Don't sell it.. Find an indy mechanic….the 90 minute commute and losing control of your own mobility……….cannot be measured.

Smack yourself.
by chrisjul
Sat Nov 23, 2013 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I sell my car?
Replies: 20
Views: 1474

Need Help With Aging Dad: Stock Ownership Problem

My Dad is 85 and having dementia issues. He will not allow me to receive his mail (I live 1,500 miles away) and he is in assisted living but still mobile and even drives..... One of the many issues I am facing is that he owns 1,300 shares of stock (his only stock holding) of the company he worked fo...
by chrisjul
Mon Sep 30, 2013 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help With Aging Dad: Stock Ownership Problem
Replies: 9
Views: 787

Re: Tracking I Bonds on a MAC

THANKS, guys!!!!

Works great....the Mac has been a bit of an adjustment after so many yrs on a PC.

C
by chrisjul
Mon Sep 23, 2013 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking I Bonds on a MAC
Replies: 4
Views: 545

Tracking I Bonds on a MAC

I just switched to a MAC computer and see that the Savings Bond Wizard does not work on a Mac.

Has anyone found a program that will track and update savings bonds ??


Tks in advance,

C
by chrisjul
Mon Sep 23, 2013 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Tracking I Bonds on a MAC
Replies: 4
Views: 545

Lending Club

Do any of you have any experience with the Lending Club as INVESTORS/

I am thinking of making an investment..

Tks in advance,

Chris
by chrisjul
Sun Sep 01, 2013 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Lending Club
Replies: 6
Views: 787

Re: Are hybrid cars cost effective?

"but maintenance (I've heard) is more expensive"..... My experience with a Prius is that Maintenance is LESS expensive....(Keep in mind that the engine rarely runs). The oil change interval is 10k miles. I have never had a single issue with the Prius...could not even use the warranty! The ...
by chrisjul
Sun Jun 23, 2013 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars cost effective?
Replies: 109
Views: 6986

Re: Squirrel Proofing a Bird Feeder

"I recently paid over $1500.00 to have one removed from my attic"

I will remove your next squirrel for $1,000 (and pay my own airfare).
by chrisjul
Sat Jun 08, 2013 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Squirrel Proofing a Bird Feeder
Replies: 36
Views: 2827

Re: Letter from IRS.....

Yes, this should concern anyone........
by chrisjul
Sat May 11, 2013 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS.....
Replies: 40
Views: 6460

Re: Retiree poll: Expenses in retirement

Frankly, my expenses are much higher now, due mainly to travel. I had the money, but not the time when I was working.

Now I have the time.....

But I like it this way
by chrisjul
Sat May 11, 2013 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiree poll: Expenses in retirement
Replies: 24
Views: 3153

Re: NYC to Miami (r/t) in August

Check FLL but yes Miami is ALWAYS popular
by chrisjul
Tue May 07, 2013 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: NYC to Miami (r/t) in August
Replies: 17
Views: 878

Re: New car: I'm about to replace my 2003 Accord V6.

Could not be happier with my Prius. Have owned several Hondas...Toyota for me...especially the Prius.

GL
by chrisjul
Sat Feb 16, 2013 3:44 pm
 
Forum: Personal Consumer Issues
Topic: New car: I'm about to replace my 2003 Accord V6.
Replies: 66
Views: 8660

Re: May need new water heater

I bought a hybrid and have been very happy with it. WIll pay for itself in appx 5 yrs ...also got a tax credit last yr.

One caveat....if you live in a cold climate...not recommended.

GL
by chrisjul
Sat Feb 16, 2013 3:40 pm
 
Forum: Personal Consumer Issues
Topic: May need new water heater
Replies: 46
Views: 3257

Re: Need Bourbon Advice

. . . it's always nice to see someone make the often-overlooked distinction between bourbon and Tennessee whiskies. It always bugs me to see Jack and Dickel lumped in with bourbons. According to Wikipedia (and NAFTA), Tennessee whiskeys are bourbons. They are NOT bourbons and these are fighting wor...
by chrisjul
Wed Jan 30, 2013 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 6006

Tax Question: Cost basis issue

I have owned Lifestrategy Growth for decades. In early Jan, this month, I purchased an additional $30k of the fund. I decided to take the 4% "profit" on a few weeks of investment, so I exchanged the funds and then realized that Vanguard "defaults" to an average price per share co...
by chrisjul
Wed Jan 30, 2013 11:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: Cost basis issue
Replies: 12
Views: 1131

Re: Need Bourbon Advice

I definitely agree with the Woodford Reserve recommendation.
by chrisjul
Sun Dec 30, 2012 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 6006

Re: Jeep Wranglers

I have owned several Wranglers and lots of CJ's.....fun but NOT a daily driver...also gas mileage sucks.

GL
by chrisjul
Sun Dec 30, 2012 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Jeep Wranglers
Replies: 22
Views: 2418

Re: Need Bourbon Advice

"All bourbon should be cut with water. That's how you drink it."

Ignore this advice.....I spent too much time in KY (unfortunately)....and you don't water down good bourbon.
by chrisjul
Tue Dec 25, 2012 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 6006

Re: Heated pool costs

Oh, and I do NOT use a "solar blanket" on my pool.
by chrisjul
Mon Nov 12, 2012 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Heated pool costs
Replies: 15
Views: 1104

Re: Heated pool costs

I had a solar heating system installed for my pool....cost $3k total....heat is free....I get 10 degrees warmer than the Gulf of Mexico on average....I live in SW FL and can swim year round.....but I prefer it 10 months of the year.

Good luck,

CC
by chrisjul
Mon Nov 12, 2012 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Heated pool costs
Replies: 15
Views: 1104

Re: Homeowners' insurance - is it worth it?

Hurricane Wilma did $130K damage to my home in about 5 minutes.

I like homeowners insurance!
by chrisjul
Mon Sep 24, 2012 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners' insurance - is it worth it?
Replies: 59
Views: 4616

Re: Any Prius owners?

InvestoGuy wrote:I was under the impression that you need to change the Battery
every 2-3 years and that can be very expensive. Is that true.


No, all the hybrid parts incl battery are under warranty for 10 yrs or 100k miles.......these batteries have proven to be very reliable.
by chrisjul
Mon Sep 17, 2012 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Any Prius owners?
Replies: 37
Views: 2585

Re: Any Prius owners?

I bought a new 2010 Prius and love it....have avg mpg of 48.5 and NO problems....not a rattle, squeak or issue. Love the technology and am amazed at this car every day. Would definitely buy another one. ( I do also have a new Miata for those times when I want something fun to drive). The Prius is de...
by chrisjul
Sun Sep 16, 2012 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Any Prius owners?
Replies: 37
Views: 2585

Re: Opinons on buying a car from a rental company such as He

i wouldn't want to buy a rental car I had rented....I usually drive rentals like I stole them!
by chrisjul
Sun Sep 16, 2012 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Opinons on buying a car from a rental company such as Hertz?
Replies: 33
Views: 2106

Re: poll are you happy with 4% withdraw

I withdraw a flat 4% (not adjusting for inflation) each Jan. The amount varies but I do not depend exclusively on this money anyway and usually funnel some of this back to the investment pool at the end of each year. I also have a "reward system" for myself....If my portfolio beats 4% plus...
by chrisjul
Sun Sep 09, 2012 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: poll are you happy with 4% withdraw
Replies: 65
Views: 5531

Re: Gold

If you wanted to hold some physical gold to protect you in an extreme black swan type disaster event, how would you hold it? Assume you want to insure against something so catastrophic that gold ETFs might not be redeemable. Would you have gold coins or some other form? Would you keep it in a safe ...
by chrisjul
Mon Sep 03, 2012 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold
Replies: 15
Views: 1426

Money Mag Article

Thoughts on this month's Money magazine interview with William Bernstien....?

I tend to agree with his philosophy of "Once you win the game, why continue to play?".

Edit to add link: http://money.cnn.com/2012/09/04/retirem ... index.html
by chrisjul
Wed Aug 29, 2012 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Mag Article
Replies: 74
Views: 13351

Re: Inground Pool

I have to agree with Epilink....my experience exactly.
by chrisjul
Sat Aug 11, 2012 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Inground Pool
Replies: 42
Views: 6065

Re: Should We Stock Up On Food Now?

On second thought, don't stress about these commodities...[comment removed by admin LadyGeek -- suggestions of criminal activity are not acceptable on this site]
by chrisjul
Sat Aug 11, 2012 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Should We Stock Up On Food Now?
Replies: 73
Views: 6591

Re: Should We Stock Up On Food Now?

Water....hoard water...the next oil!
by chrisjul
Sat Aug 11, 2012 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Should We Stock Up On Food Now?
Replies: 73
Views: 6591

"Mad Money"....do you play?

I keep about 5% of my portfolio as "play money" to feed my need to trade. Very small scale, but I do like to do this. I thought it might be an interesting thread to discuss our excursions to the "dark side"...short term non-allocated trades. I have had some success this year with...
by chrisjul
Sat Aug 11, 2012 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Mad Money"....do you play?
Replies: 55
Views: 5637

Re: iPad app – portfolio tracking

Have you looked at Yahoo "Market Dash"...it's free, easy to use...but I don't know if it has the depth you are asking for.

Check it out. Good luck.

Let us know if you find something better....I have the same needs, you mention.
by chrisjul
Sat Aug 11, 2012 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: iPad app – portfolio tracking
Replies: 3
Views: 770

Re: Inground Pool

I've owned 3 and loved them all. Really depends on whether you and family will use it and for how long ..I live in S FL and swim easily 10 months of the yr. Pool was a MUST for us. Good luck, I sold a house in Mississippi with a pool and it was a drawback for buyers......the eventual buyer filled it...
by chrisjul
Mon Jul 16, 2012 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Inground Pool
Replies: 42
Views: 6065

Re: early mortgage payoff - reason not to?

Pay it off for the psychological rush of being debt free
by chrisjul
Mon Jul 16, 2012 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: early mortgage payoff - reason not to?
Replies: 28
Views: 1985

Re: Old Question-Paying Off Mortgage?

Don't minimize the psychological benefit from being debt free, in addition to the financial benefits. It is a very good feeling.

Good luck!
by chrisjul
Thu Jun 28, 2012 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Old Question-Paying Off Mortgage?
Replies: 18
Views: 1439

Re: Move TSP Acct to Vanguard

Excellent! Thanks (I did a search before posting but must have worded it wrong). These thoughts do match well with my own. I will keep the TSP. Tks for the link!
by chrisjul
Wed Apr 04, 2012 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Move TSP Acct to Vanguard
Replies: 3
Views: 310

Move TSP Acct to Vanguard

I am retired and have, so far, retained my TSP account. I am in the process of simplifying my finances and am considering moving the TSP to Vanguard.

I'm curious whether others have reviewed the pros and cons of such a move.

Tks in advance!
by chrisjul
Wed Apr 04, 2012 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Move TSP Acct to Vanguard
Replies: 3
Views: 310

I've had several. Love them, hate the gas mileage and do NOT want to use one as my daily driver.
by chrisjul
Tue Aug 09, 2011 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Any Jeep Owners, Wranglers, that is...
Replies: 12
Views: 1607
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