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Re: Gas Water Heater Upgrade worth the $$$

How much hot water will you use? How long will you live in the house? Hot water out of the tap is hot water - the warmth of the water doesn't depend on the heat source used to make it hot. Some of the comments about the difference between the 2 could be the length of the runs from the heater to the ...
by derosa
Sun Sep 28, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Gas Water Heater Upgrade worth the $$$
Replies: 31
Views: 1728

Re: Paying for wedding, buying first home, and FICO

don't buy the house until you are married. If you think all your worrying about card and wedding expenses is nutty imagine if something happens after you buy the house but aren't married? There is sequence to do things in and generally one should do them in the sequence that has worked for a long ti...
by derosa
Sun Sep 28, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for wedding, buying first home, and FICO
Replies: 5
Views: 604

Re: 'Play Money' - why 5%?

Wanting a terrifically precise reason for the terricially precise amount of exactly 5% for play money makes me think you must rebalance every day to stay at exactly 60/40 stock/bond. Am I close? Do you rebalance every day? Of course not. There is a reasonable amount of information that shows 5% one ...
by derosa
Sun Sep 28, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1585

Re: Disappointed in Vanguard customer service

No ones perfect. And i am not going to defend them. The person that fielded the call got someone on the line who could answer the question. So alls well. As to MOH well that is pretty personal and there is no correct answer. Having had a company that did that for years - either you are for it or not...
by derosa
Sat Sep 27, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Disappointed in Vanguard customer service
Replies: 34
Views: 3616

Re: rebalancing at age 55

I can't help you since i have no idea what most of those initials are - I am assuming some or all of them are individual stocks? It sounds like you want to keep what you got and just have people say it looks good. I think on this board: You will find many people don't have any idea what all those in...
by derosa
Mon Sep 22, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: rebalancing at age 55
Replies: 7
Views: 776

Re: Defined Benefit Plan and AA

Just like you don't include SS in your asset allocation, you shouldn't include any pension(s). These are not bonds or equities or real estate - they are an income stream. So subtract them (SS - probably 2 & pension) from your projected monthly budget. That leaves you with a total that has to be ...
by derosa
Mon Sep 22, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit Plan and AA
Replies: 10
Views: 640

Re: Recently retired and need help with asset allocation.

So what to do you own now that makes you think you want to make some dramatic changes. If you don't mind me asking? Sorry posted to soon. Rebalancing doesn't increase your return. It might lower your risk. And some people say it doesn't really do much beyond what you have set for your asset allocati...
by derosa
Sun Sep 21, 2014 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently retired and need help with asset allocation.
Replies: 12
Views: 937

Re: Sale of a home between boyfriend and girlfriend.

As pointed out above there is legal and there is "fair" Legally she has all the responsibility. Its her name on everything. If he moves out tomorrow he can stop paying the 'rest' but the mortgage and insurance and etc. all keep going and she is on the hook. I guess that isn't 'fair' to him...
by derosa
Sun Sep 21, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5520

Re: Trusting our advisor?

Seems to me you have perfectly reasonable portfolio that should help you address what you are going to living with for the 30 or 40 years? It sounds like you don't have anything to really compare with what you have. So take a deep breath and do some reading. Take a few months - hey you have almost h...
by derosa
Sun Sep 21, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Trusting our advisor?
Replies: 25
Views: 1882

Re: Do I need to send in estimated tax????

What is so hard about making estimated quarterly payments? Send a check or do it on line 4 times a year.

If you have a refund from previous year that should take care of the 1st payment - no special payment involved at all.
by derosa
Fri Sep 19, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 32
Views: 2022

Re: Hamilton watches, worth the money?

Why do you need a watch - doesn't your phone tell the time?
by derosa
Sun Sep 14, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9747

Re: Suggestions for a Western States road trip?

You could get many inches of snow any place that you are driving. It is snowing in Cody today. Last year at this time they got 36" of snow. There is a reason they have those gates on the freeways to keep people off the road when it snows, Just be prepared. Hope that little car can do 80 otherwi...
by derosa
Thu Sep 11, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for a Western States road trip?
Replies: 20
Views: 1689

Re: Buffett: Modern investment theory is horse-pucky

Buffett doesn't pick stocks. Remember he buys the company or a huge ownership position in the company. So he is running the stocks, I mean companies, that he buys. That's a huge difference from buying a share of stock or owning something indirectly in a fund isn't it? So if something bad happens to ...
by derosa
Thu Sep 11, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 9759

Re: Colleague being fleeced by insurance agent / Ponzi Schem

State Farm is not running a Ponzi scheme. Please. That is probably just a term for it seems too good to be true. THere has to be something in it for the agent. And the guesses above about annutities may be close to the mark. If someone knows that what they are doing is good and right - who are you t...
by derosa
Tue Sep 09, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague being fleeced by insurance agent / Ponzi Scheme?
Replies: 54
Views: 5260

Re: If no access to DFA, Small Value worth it?

There will always be something that is just our of reach. Relax. If it wasn't this then it would be something else wouldn't it. Just do what you can and go for it. Something about the enemy of the best plan or something...
by derosa
Tue Sep 09, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: If no access to DFA, Small Value worth it?
Replies: 30
Views: 3977

Re: Need help arrive at monthly expenses after retirement

Today's costs just keep on going. don't they? I haven't noticed any magic decrease.
by derosa
Mon Sep 08, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help arrive at monthly expenses after retirement
Replies: 25
Views: 1647

Re: What is the expected return of this portfolio over 50 yr

how did you factor in that ebola plague in 40 years?
by derosa
Mon Sep 08, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: What is the expected return of this portfolio over 50 yrs
Replies: 21
Views: 1175

Re: So far, so good? Vanguard Total International Bond

Well i guess we need to wait 20 years or so and see what happens?

In the meantime I will take a piece of the international bond fund.
by derosa
Sun Sep 07, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: So far, so good? Vanguard Total International Bond
Replies: 45
Views: 4240

Re: Vanguard Lost $50k

Threatening to no longer do business with vg or a restuarent that screwed something up or a dry cleaner etc etc doesn't help yourself. Think about it from their side. If you say you will never do business with them again - what is their incentive to resolve the problem. You said you were gone already.
by derosa
Sat Sep 06, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10752

Re: Help! Need to Calculate Money Owed To Me

I would forget all your calculations about interest. The reason being is that you can't figure it out here. And when he says how did you get that crazy number and you start stumbling all over your shoe laces... well he will say you don't know what you are talking about. I appreaciate that you refer ...
by derosa
Sat Sep 06, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Help! Need to Calculate Money Owed To Me
Replies: 32
Views: 2382

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

Yes you got a deal. But now the rest of us are paying for your deal. You realize that don't you? The costs that were incurred are still there - it is just that you as the specific consumer aren't paying them. Everyone else is paying for them. As to unexpected things happen in surgery. I went in for ...
by derosa
Fri Aug 29, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6758

Re: Do you mix inheritance and earned money?

Federal and state revenue departments consider it your money. You don't get any special treatment because you do anything special with it.

If you get a gift card for an occasion - how do you handle that? You don't put it in a drawer and not spend it do you?
by derosa
Fri Aug 29, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Do you mix inheritance and earned money?
Replies: 25
Views: 2253

Re: Husband rear-ended, driver ignoring his insurance

Call your insurance agent. And if you have to call and talk to them 5 times do it. You have nothing to do with the other driver or his insurance. I am wondering if you have even called your own agent at this point? Have you?
by derosa
Tue Aug 26, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5108

Re: Moving to Eastern PA - need advice

1 hour to the airport! For a morning flight. Best wishes my friend.

You are not moving to eastern PA. You are moving to suburban Philly aren't you?

From your post and google search based comments I would bet that you have never been there?
by derosa
Tue Aug 26, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1918

Re: New home worth the extra $$?

So you have been looking at houses for about 3 days? You sound like you just saw a new car on a car dealers lot.

You haven't even touched the market my friend. You need to look for a few months - maybe every weekend.
by derosa
Tue Aug 26, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: New home worth the extra $$?
Replies: 17
Views: 1772

Re: How I beat Indexing... in 1 hour

So what is it for the next hour?
by derosa
Tue Aug 26, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 69
Views: 10765

Re: 87 Year Old Grandmother Has $600,000 In the Bank

Just went back and rescanned the posts and I am still not sure I have seen anything about what grandma wants? Did I miss that? What I do see are the heirs (daughter / uncle / granddaughter / fiance / is there anyone else not mentioned???) trying to figure out what theymight do with the money now tha...
by derosa
Sun Aug 24, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5544

Re: Backyard Shed

What sort of building code / zoning / hoa considerations do you have? Most sheds in the backyard look like crap after a few years. And when you look inside all there is is crap. So if you are thinking of selling in the future consider what that might do to your curb appeal, etc. Not everyone wants w...
by derosa
Sun Aug 24, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Backyard Shed
Replies: 21
Views: 1525

Re: Stopping Junk mail from USPS

Some of these proposed solutions might partially work but they are complicated, time consuming and costly. But are not perfect. You are going to get junk mail the rest of your life -No matter what you do. With these schemes to contact people, etc all you have done is create a job for yourself that w...
by derosa
Sat Aug 23, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 1950

Re: Help please with revised plan for living in retirement

I would suggest you take the time to put your proposal through some testing to see what happens, and how much money you might have. 1. Actual Historical Records. Firecalc is a tool that only uses the actual financial historical record. So it does not predict the future. It shows you how your portfol...
by derosa
Sat Aug 23, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help please with revised plan for living in retirement
Replies: 15
Views: 2838

Re: Downsizing emergency fund

Hey - everything you have is in the emergency fund if you need it. The "emergency fund" is a device to get people who have never saved a penny to start saving. Once you have some money you don't need the gimmick. All your resources are available for something no matter what it is. Are you ...
by derosa
Fri Aug 22, 2014 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Downsizing emergency fund
Replies: 12
Views: 1415

Re: What to consider while purchasing an existing business?

The cost of entry in the nail business is dirt cheap. Someone can open up next door or across the street with a couple chairs and some nail polish. What does that take - $1,000? Sounds like someone doesnt like their job and this is seen as a way out. Oh yeah - if it seem too good to be true - guess ...
by derosa
Fri Aug 22, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 50
Views: 3936

Re: someone who claimed at 62 got an 8% increase this year

Too bad for all this speculation that there is no way to know how things turn out is there? Got an 8% increase this year? Ok --- show me the money. Oh you don't have the money do you. You will be getting it when? Oh I see - its in the mail. People on this topic all talk about the sure thing the guar...
by derosa
Fri Aug 22, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 26
Views: 3139

Re: Spouse not ready to cut ties with financial advisers

No point in meeting with anyone unless you and spouse are on same page. Advisors meet with couples all the time who are not thinking exactly alike. . "hey we understand you aren't entirely happy with the portfolio at this time. Let's take a look at how we are doing." And then you are looki...
by derosa
Sun Aug 17, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 9049

Re: Going from W-2 to 1099

1099 means you are your own business. The business will give you a 1099 form saying they gave you a specific amount of money. After that it is up to you to report, pay, etc. You might get 8 1099s in a year if you work for several businesses. They don't coordinate anything. Do you need a license - yo...
by derosa
Thu Aug 14, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going from W-2 to 1099
Replies: 27
Views: 1807

Re: Fear of Disclosing Net Worth

If you don't want the review don't do it. But to get the review and not tell them the complete picture is like going for a physical and not telling the doc about the pain in your foot. What do you get by that except bad information? And who's fault is that? Not the doc or the financial institution. ...
by derosa
Wed Aug 13, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8212

Re: Are hospitals allowed to do this?

A soft quote is worth the paper it was written on. All they were telling you is that you charges probably won't be in the $10k range. You asked the hospital. They told you what their part of the procedure would be. In all fairness to the hospital outpatient staff they have no idea what the doc or la...
by derosa
Wed Aug 13, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6758

Re: Changed Roth to Vanguard: 1 month later 2 cent check

Why are you asking your question here? No one here cut you a check. Call the organization.
by derosa
Wed Aug 13, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changed Roth to Vanguard: 1 month later 2 cent check
Replies: 13
Views: 1241

Re: Geneological research for unclaimed property

A death certificate from the 1800s? Man that is a good one.

Most places didn't even start recording deaths or births until sometime in the early 20th century.

For quick a dirty check try find a grave.
by derosa
Thu Jul 24, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 87
Views: 4680

Re: Anyone used Vanguard electronic money transfer

why not just write a check to yourself, endorse it and deposit it in your bank. The money is in your account the next day. I did this yesterday. Deposited a check written on our mm account around 4pm. I had email from bank in my inbox this am when I logged in statng that it was deposited and my new ...
by derosa
Thu Jul 24, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone used Vanguard electronic money transfer
Replies: 20
Views: 1580

Re: Have you quit your job because of your boss?

Sure. And it won't fix itself.
by derosa
Sun Jul 13, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7456

Re: Rebalancing Band for an asset class based on volatility

If it is that volatile then it will come around again. Just be patient and next year it will be down relatively so you won't be rebalancing? And if you wait even longer it might be at the point you need to add to it. My point is in the long run what goes up then comes down. Just wait it out. I think...
by derosa
Sun Jul 13, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Band for an asset class based on volatility
Replies: 12
Views: 1218

Re: Assisted Living Residence and Care Agreement - Questions

Please see an attorney for any and all legal questions. No one on this forum can provide you anything but hearsay. And you should act based on nothing that anyone says here except to see an attorney. You and I know it is a boilerplate contract and that 1000s of them have been completed over the year...
by derosa
Sat Jul 12, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 3025

Re: Asset Allocation At or Near Retirement?

Keep in mind there is no magic answer my friend. Be cautious on spending. Go to bogleheads wiki. Look for financial calculators. There are 40 or so free and for sale ones. Pick 2 or 3 or 4 and use them each year over the next 1 - 35 years or so to see where you are possibly going. Personally i use t...
by derosa
Wed Jul 09, 2014 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation At or Near Retirement?
Replies: 51
Views: 4874

Re: Can no longer purchase Admiral Shares at Schwab

I find it interesting that in this whole thread about 2 companies and their respective policies no one has talked with either company.
by derosa
Sun Jul 06, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can no longer purchase Admiral Shares at Schwab
Replies: 27
Views: 2340

Re: If you wouldn't buy (stocks), then you must sell

Uh - I don't have to buy or sell stocks. I am along for the ride.
by derosa
Wed Jul 02, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: If you wouldn't buy (stocks), then you must sell
Replies: 32
Views: 3137

Re: Retirement Goal Calculation

Go to bogleheads wiki. Look for financial calculators. There are 40 or so free and for sale ones. Pick 2 or 3 or 4 and use them each year over the next 10 years or so to see where you are going. Personally i use the ones from vanguard including their financial plan which is a historical based tool, ...
by derosa
Sat Jun 28, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Goal Calculation
Replies: 31
Views: 5171

Re: Bad paint job - Course of action help pls

don't pay him the balance until the work is done to the satisfaction of you and your "designer." That being said - shame on you for having no contract, no estimate, nothing in writing. So now it is you said, she said, he said. It sounds like you have a very poor designer who doesn't have a...
by derosa
Sat Jun 28, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Bad paint job - Course of action help pls
Replies: 28
Views: 2700

Re: Silly mistake [Purchased wrong fund by accident]

Just do an exchange and forget about it. Any loss or gain is going to be a rounding error at tax time.
by derosa
Sun Jun 22, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Silly mistake [Purchased wrong fund by accident]
Replies: 12
Views: 1004

Re: Wind blew off shingles, now roof is leaking!

Let me get this right. They came out. looked and cut you a check. Let me understand this - you made a claim and they paid you in full. Now you want to make another claim on the same leak? You have had the money and have not done anything for 4 or more months? You have got to be kidding us. You just ...
by derosa
Sun Jun 22, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Wind blew off shingles, now roof is leaking!
Replies: 27
Views: 1478
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