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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: 72
Views: 3001

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: 1463

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: 7135

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: 1200

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: 2917

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: 4539

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: 2301

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: 3013

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: 4128

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: 2539

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: 995

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: 1447

Re: Convince me to visit Italy

Don't go - its crowded and noisy and they speak Italien.
by derosa
Sun Jun 15, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5361

Re: HOA questions

Run for the board - you will have no opposition. And you get to quickly learn who the deadbeats are in the neighborhood because you will be getting liens against them because of their nonpayment. You read the CCRs and learned about the HOA BEFORE you bought in to the neighborhood right? And you boug...
by derosa
Sat Jun 07, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA questions
Replies: 43
Views: 3330

Re: House selling question (buyers more interested in the lo

If you sell a house and gets what you want from the sale - what do you care what the buyer does with it?

If someone is going to tear it down and build a McMansion on it - why don't you do that? Otherwise known as flipping.
by derosa
Mon Jun 02, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: House selling question (buyers more interested in the lot)
Replies: 37
Views: 2714

Re: City Driver Hit My New Car. Diminished Value Advice?

Seems like you were made whole again. You got what you thought was the proper amount for repairs and rental car.

Based on this experience the next time a city car hits you - ask for 'diminished value."

You may also want an attorney if the other side has one.
by derosa
Mon Jun 02, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: City Driver Hit My New Car. Diminished Value Advice?
Replies: 33
Views: 3127

Re: Talk me out of buying a Porsche Convertible. DISASTER!!!

let me understand this my friend. You live in Chicago. You bought a used car in Los Gatos. And you are driving it to LA and then to Chicago? You claim that you tip toed up to the red line but didn't touch it? Yeah right, my friend. "Now let me say what this baby will do!" I think you are n...
by derosa
Sat May 24, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Porsche Convertible. DISASTER!!!
Replies: 45
Views: 6381

Re: Hotels and parking in NYC

For ONE night? Pay the price and enjoy yourself. Time is money. You will drive in and be there mid morning first day. Park at the hotel. YOu will have to check bags that early in the day. 2nd day you will be leaving mid/late afternoon. If you are going to be seeing people in manhattan and then in as...
by derosa
Sat May 24, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Hotels and parking in NYC
Replies: 19
Views: 1105

Re: Managed Account Fees

I would suggest that you get 3 written quotes.

YOu shouldn't have any problems finding people from 3 different firms to meet with you. Ask the point blank what are the break points.

Best wishes-
by derosa
Wed May 21, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Managed Account Fees
Replies: 9
Views: 606

Re: Is now a bad time to invest?

Compared to what time?
by derosa
Wed May 21, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to invest?
Replies: 100
Views: 8540

Re: Losing money during the rebalancing day?

700 point loss on what day? In what market or index? You don't have to make stuff up to ask a question you know. When you do this wacky stuff people really don't think you know what is going on. In mutual funds it all happens after the market closes each day. There is NO intraday pricing. Everything...
by derosa
Wed May 21, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing money during the rebalancing day?
Replies: 13
Views: 1143

Re: Reallocation Worth the Tax Bite?

Do any rebalancing in your tax deferred. IF you end up with all bonds in deferred there is nothing wrong with that since all withdrawals are taxed as simple income - no matter the actual source. This will rebalance quickly. Taxable have all dividends and cap gains sent to a money market account. Thi...
by derosa
Mon May 19, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reallocation Worth the Tax Bite?
Replies: 11
Views: 850

Re: Do I plan for NO Social Security

If you have plans for no ss then you are also planning for the giant astroid hits the planet in nn years?

Planning for no ss is like planning for the sun not to come up next year. What a waste of time.
by derosa
Sat May 17, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Do I plan for NO Social Security
Replies: 42
Views: 2814

Re: Help with Patio! -- Pavers v. Concrete

Skipping the foundation prep work on pavers (and concrete) is nuts. Why don't you just put the pavers on the grass that you have now? "Hey we did this patio in 2 hours!" Tell the concrete guy to skip the base prep work too? This is in the category of penny wise and pound foolish. You clear...
by derosa
Mon May 12, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Help with Patio! -- Pavers v. Concrete
Replies: 25
Views: 2366

Re: Lawyer recommends trust

Isn't it interesting how people's responses tell us everything about themselves. And at the same what a great job they have done raising their children to be like them?
by derosa
Mon May 12, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer recommends trust
Replies: 81
Views: 5215

Re: tv surveillance cmeras

Pretty much a waste of time for the money you are going to spend as a homeowner. Those cameras might provide images of something that happened but you have no detail about any of it. There is nothing that would go to a grand jury much less provide something you could give to the local police departm...
by derosa
Tue May 06, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: tv surveillance cmeras
Replies: 3
Views: 292

Re: Must I pay taxes on rental income in this scenario?

I think it would be best to talk with you cpa about this.
by derosa
Tue May 06, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Must I pay taxes on rental income in this scenario?
Replies: 12
Views: 992

Re: How to gently offer property to tenants? Advice please

Practice something along these lines the next time you talk with them - "Hey we are thinking of selling this house. And since you are living in it and like it would you be interested in it before it goes on the market?" If they are not interested they know to start looking now for a new pl...
by derosa
Mon May 05, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to gently offer property to tenants? Advice please
Replies: 16
Views: 1392

Re: Expense Ratios

If I am at vanguard i know I am getting a great deal. Not sure what the number specifics are and I surely don't waste my time tracking them.

If I really cared between .09 and .23 I can easily find them out.
by derosa
Mon May 05, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense Ratios
Replies: 22
Views: 1508

Re: Please Critque my IPS/AA [Investmnt Policy Stmt/Asset Al

The first one is always long since you want to cover everything. Then after a few years or many years you realize that the only thing that really matters is putting the money aside while covering a variety of different assets. The %s don't change much at all. You change jobs and have different optio...
by derosa
Sat May 03, 2014 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Critque my IPS/AA [Investmnt Policy Stmt/Asset Alloc]
Replies: 7
Views: 686

Re: Can you raise kids in a townhouse?

Sure you can.

Raising the kid(s) has nothing to do with where you live or in what you are living.

It has all to do with the parents.
by derosa
Sat May 03, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you raise kids in a townhouse?
Replies: 35
Views: 3360

Re: My front lawn is horrible

One place to go would be your state's Ag school website. They probably have more than you want to know about turfgrass for your state and for where you live within that state. So for example in NC that would be NC State.
by derosa
Sat May 03, 2014 9:48 pm
 
Forum: Personal Consumer Issues
Topic: My front lawn is horrible
Replies: 29
Views: 3120

Re: Default: "Joint Tenancy" or "Tenancy in Common" (Virgini

On the internet no one knows if you are a lawyer.

If you have a legal question go to an attorney in the state where you have the question.

Anything you read on this site is merely hearsay and worth the pixels it took to produce it.
by derosa
Sat May 03, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Default: "Joint Tenancy" or "Tenancy in Common" (Virginia)
Replies: 11
Views: 803

Re: Enough to retire? Advise on LTC and investing inheritan

You certainly do have more than enough to retire. You are in the 1% neighborhood. Keep in mind that spending is the key/
Put the cash in the same places that you are now putting your money.
by derosa
Fri May 02, 2014 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Enough to retire? Advise on LTC and investing inheritance
Replies: 18
Views: 2297

Re: Roof Restoration legit or scam

What is so wrong with someone out marketing for business? Even the poster above said his roofer who was very well respected had his guys out knocking on doors? Not sure what 'restoration' is? Either you get a new roof or you don't. there is no magic sauce to spread on an old rood to 'restore' it. No...
by derosa
Wed Apr 30, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Roof Restoration legit or scam
Replies: 22
Views: 1621

Re: For or Against: VG International Bond Index Fund?

Some of this discussion reminds me of 20 or so years ago about adding international stocks to a portfolio.
by derosa
Wed Apr 30, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: For or Against: VG International Bond Index Fund?
Replies: 11
Views: 1099

Re: SS - DW insists on starting at 62; what are my options?

In the grand scheme of things the amount of money that is being discussed isn't that much. Let her claim it and be done with it. For her leaving a specific legacy is important. You can't leave anything from SS to anyone, can you? Its not like people make all their decisions in life on just the finan...
by derosa
Tue Apr 29, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS - DW insists on starting at 62; what are my options?
Replies: 27
Views: 2032

Re: Berkshire Hathaway Annual Meeting Attendance

If these are in fact taped - watch the last couple of years to see if it is worth going to. Not that much changes year to year OF course he is getting to the end of the career so there won't be too many more with Warren himself. For the next guy it will only be WWWD? What Would Warren Do moaning.
by derosa
Sun Apr 27, 2014 3:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Berkshire Hathaway Annual Meeting Attendance
Replies: 16
Views: 2695

Re: Am I stupid if I use my Roth IRA for a home downpayment?

You have to live someplace of course. Just don't do this only because of the financial calculations. As for an investment you won't do very well compared to just about anything else you could put your money into. So no, you won't make a killing. Particularly where you live - if it was NYC that might...
by derosa
Sat Apr 26, 2014 8:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I stupid if I use my Roth IRA for a home downpayment?
Replies: 28
Views: 3329

Re: mailed US tax check 4/13 - not cashed yet

Not sure what the problem is. You did the return and mailed it correctly.
by derosa
Thu Apr 24, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: mailed US tax check 4/13 - not cashed yet
Replies: 43
Views: 7302

Re: What to say to financial planners/insurance brokers

thanks for thinking of me. Right now I am all set - just made some changes and I am all set right now. If something happens in the future I know how to reach you.

Hope your business does well for you going forward. Its tought out there isn't it?
by derosa
Thu Apr 24, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to say to financial planners/insurance brokers
Replies: 45
Views: 13161

Re: Thinking about retiring early - tell me what I've missed

Not really retirement but self employment.

Microbreweries are very trendy these days.

You are going to gross $20k from the business and pay yourself $15K? Not sure how that will work leaving only $5k for everything else? I probably missed something.
by derosa
Tue Apr 22, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about retiring early - tell me what I've missed
Replies: 42
Views: 5819

Re: Blog:William Bernstein’s Coward’s Portfolio

Nice to see folks dancing on the head of a pin again. Or as put above - all roads....
by derosa
Sun Apr 20, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Blog:William Bernstein’s Coward’s Portfolio
Replies: 35
Views: 7044

Re: Beware Vanguard DOES NOT update all your account values

I guess as a long term and long time investor I am not getting what all this is about.

Why are you checking your account every hour or so - at least that is what it seems to me.
by derosa
Sat Apr 19, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 5599

Re: Best way to sign a credit card?

I've never signed the back of my card. Signing doesn't mean anything. Think about all the phone and online transactions you use with a card and there is no signature involved at all. No signature = nothing to copy. I would guess once a year a business asks me for id when they turn the card over and ...
by derosa
Fri Apr 18, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Best way to sign a credit card?
Replies: 72
Views: 6369

Re: Central AC and Forced Hot Air Heat (Gas)

Change them both.

If you don't - you have a new a/c unit and a 20 year old heater. How long do you think that heater is going to last? You feel lucky?
by derosa
Thu Apr 17, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Central AC and Forced Hot Air Heat (Gas)
Replies: 15
Views: 2756

Re: New homeowner: lawn care advice

He is a new homeowner - wait he isn't even an owner yet. Give him a break. Let him buy the stuff and take care of his yard. In Charlotte virtually everyone grows cool weather bunch turf grass. So it looks great in fall and spring and ok over the winter. No matter what you do every fall you have to s...
by derosa
Mon Apr 14, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26245

Re: My financial advisor doubt

This just sounds a bit like buyer's remorse. What was I thinking when I bought that ice cream cone, shirt, car, house, vacation, etc... Take a deep breath, talk with the guy and review with him and your wife why you did this. And what you expect to get out of it. And what your wife can get out of it...
by derosa
Mon Apr 14, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: My financial advisor doubt
Replies: 40
Views: 5168

Re: Financial plan for pensioned in-laws

Just as some background why did they retire and then decide that they needed to figure out what to do?
by derosa
Sun Apr 13, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial plan for pensioned in-laws
Replies: 19
Views: 1314

Re: Contractor not licensed but insured

Back in the old days no one needed a license to do anything. And the reason licensing started being required? Because people were doing crappy work. So to protect consumers who don't have a clue - certain occupations require people to be licensed. That is they have taken some schoolinging and testin...
by derosa
Fri Apr 11, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Contractor not licensed but insured
Replies: 15
Views: 976
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