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Re: In-Law Financial Issues (long)

If I really had my way I'd sell their property and move them into a small house in town that is close to amenities (they have to drive two hours to get a carton of eggs). I'd also insist MIL get a basic job in town to help out. [...] I don't think this is fair to me. Especially because the only rea...
by island
Tue Aug 19, 2014 1:50 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4038

Re: Bankrolled Her Brother, Regrets It (article)

It's pretty cool though that the niece has an iphone 6 before it's even been released. :shock: Maybe the brother has an uber secret important job at apple :D Ha! So true! The writer says she doesn't regret giving him the money, yet she's kept a tally of what she and the parents have given over the ...
by island
Mon Aug 18, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Bankrolled Her Brother, Regrets It (article)
Replies: 24
Views: 3793

Re: Your biggest "Missed Money" event that still kills you?

Years ago DH bought a big chunk of Qualcomm stock, but we chickened out and sold it quickly. Then it took off like a rocket and would have been worth a ton if we kept it. Oh well c'est la vie, not something that kills us to think about.
by island
Mon Aug 18, 2014 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 80
Views: 5484

Re: Help with Parents Portfolio

Thanks for looking everyone, here is replies: island - Your thoughts are appreciated and I can agree with you somewhat, but everyone's situation is different. We chose to go this route as a family based on personal factors that are not pertinent to this discussion, so there's no need for me to quan...
by island
Sun Aug 17, 2014 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Parents Portfolio
Replies: 8
Views: 815

Re: Cost of an above ground pool, land prep and maintenance

tomd37 wrote:And here I thought you were talking about a pool, not a dish pan! :oops:


Ditto. Could have posted a pic of what you had in mind before everyone wasted their time thinking you meant a real pool.
by island
Sun Aug 17, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1109

Re: Retirement Party Discussions

Just noise. People like to talk about negatives. Sure that person regrets spending on legal fees when he didn't win, but no guarantees and should probably just let it go rather than rehashing it at a party. That reminds me of people who balk about having to pay out of pocket for medical tests, espe...
by island
Sun Aug 17, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Party [Investment] Discussions
Replies: 50
Views: 3792

Re: Cost of an above ground pool, land prep and maintenance

OMG I can't believe all the negative responses. Death scares and worries of not getting every penny out of your investment. Sheesh. I feel these are important and legitimate considerations. You can never overstate the risks when it comes to children drowning accidents. And you are taking away some ...
by island
Sun Aug 17, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1109

Re: Retirement Party Discussions

Just noise. People like to talk about negatives. Sure that person regrets spending on legal fees when he didn't win, but no guarantees and should probably just let it go rather than rehashing it at a party. That reminds me of people who balk about having to pay out of pocket for medical tests, espec...
by island
Sun Aug 17, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Party [Investment] Discussions
Replies: 50
Views: 3792

Re: Cost of an above ground pool, land prep and maintenance

OMG I can't believe all the negative responses. Death scares and worries of not getting every penny out of your investment. Sheesh. OP I can't advise you about costs, no clue, but I it say go for it. My parents put an above ground pool in our back yard when we were kids in the 70's and it was years ...
by island
Sun Aug 17, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1109

Re: Help with Parents Portfolio

I have no advice since I'm fairly new to this site and am trying to take a more active roll in my investments rather than just save and accumulate without much more thought than that. Fortunately my 401k is with Vanguard with a restricted list of funds, mostly index so that helped insure a good star...
by island
Sat Aug 16, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Parents Portfolio
Replies: 8
Views: 815

Re: How to value house with unwanted tennis court

Where do you live? I'm sure that will determine the cost more than anything. 10-15K seems very low. Why not call a local concrete contractor for a rough estimate on the removal cost? If they don't do that type of work they can probably tell you who does.
by island
Sat Aug 16, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2101

Re: Where do you buy clothes?

Just the other day, I was putting aquafor on my kids after they got out of the bath, got some on my shorts, and now it won't come out. I've had good luck getting grease out of clothes by gently rubbing some laundry detergent in the spot for a few seconds, then letting the item sit for at least seve...
by island
Fri Aug 15, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8701

Re: Lifestyle Creep

I have no opportunity for lifestyle creep! She wants nothing, no aspirations to a bigger house, newer car, any jewelry, clothes... nothing. She's said she'd be happy living in a trailer if it meant I could retire early. She's said we already have so much beyond what she needs (and that's with a pre...
by island
Fri Aug 15, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2598

Re: Would you tip this tour guide?

J295 wrote:I would tip.


+1
Live and learn. Next time ask for details about the transportation.
by island
Thu Aug 14, 2014 11:53 pm
 
Forum: Personal Consumer Issues
Topic: Would you tip this tour guide?
Replies: 22
Views: 2173

Re: Lipitor at Costco with Membership

miles monroe wrote:no catch. publix gives lisinopril (BP med) for free.


Wow I had no idea some meds are free! Why would any co give an Rx for free?
[off topic comments deleted by admin alex]
by island
Thu Aug 14, 2014 12:44 am
 
Forum: Personal Consumer Issues
Topic: [Low cost] Lipitor
Replies: 13
Views: 1556

Re: Lipitor at Costco with Membership

MIL takes Lipitor or maybe a generic. How is it that one can get the latter for "free" at those stores? What's the catch?
Thanks.
by island
Wed Aug 13, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: [Low cost] Lipitor
Replies: 13
Views: 1556

Re: Why is Bank of America so hated?

No hate here either. Been with BoA for over 30 years. No problems. Use it for our primary checking account, have our pay checks and investment dividends we don't reinvest auto deposited there, and our other online banks and credit unions are linked to it for easy movement of funds between them. We k...
by island
Wed Aug 13, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Bank of America so hated?
Replies: 43
Views: 2348

Re: Wills, Spouses, Prenups, etc.

My husband and I have been married 19 years. When we were married, there was a great disparity between my assets (few)and his (many) and we each have children from a previous marriage. He is 6 years older than I. We signed a prenup, and each of us had our own attorney. I am the beneficiary on his m...
by island
Tue Aug 12, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wills, Spouses, Prenups, etc.
Replies: 67
Views: 3162

Re: Reticient sibling [Dispute over execution of trust]

"...Isn't there some mechanism where each of the trusts can be split amongst all of you and you can proceed to do with yours whatever you may want. That could appeal to the hold-out.... That's what I was wondering. Why can't it be split so the individual beneficiaries can do what they wish wit...
by island
Mon Aug 11, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reticient sibling [Dispute over execution of trust]
Replies: 31
Views: 2943

Re: Flooring for home gym

We too have thick rubber mats covering the existing flooring in a spare upstairs bedroom we repurposed for an exercise room that has gym quality equipment: treadmill, bike, elliptical, universal gym and free weights added over the years. It's crowded in there, but works. We bought them where we got ...
by island
Sun Aug 10, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1264

Re: average American eats out 203 times per year

Just got back from an early dinner for 2. $92 including a couple of drinks and tip. Worth every penny for a good meal and nice evening out.
by island
Sat Aug 09, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6368

Re: average American eats out 203 times per year

wow...just, wow. To echo a previous poster, I guess I just don't get out much. If you count getting a burger at McD's to supplement the food I carry in the car, then I eat out maybe 40 times per year. A real sit-down lunch or dinner? Less than half of that number. This explains why, when house-hunt...
by island
Sat Aug 09, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6368

Re: What are you doing re charitable giving (money, not time

@island, I had a previous employer who also pushed United Way hard, and I felt as you do. I assume that they've recovered from the scandals of a few decades ago. My wife's employer matches the first $5k of charitable donations, a benefit I guess we are now leaving on the table. Maybe we should dona...
by island
Sat Aug 09, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: What are you doing re charitable giving (money, not time)
Replies: 26
Views: 1504

Re: Oldest age to start medical school?

Do you have the finances to do it without going into debt?
What does your family think; prepared for you to be occupied with long hours?
Are you sure you'll be able to do residency and/or practice without leaving the region you prefer?
by island
Sat Aug 09, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 5469

Re: What are you doing re charitable giving (money, not time

I chose 3 of the options, counted as 3 votes, but oh well. Over the years I've given a lot to large orgs like the Red Cross without specifying where I want the $ used, but am doing that now with that org and others. My husband and I both work for large companies that are big into getting employees t...
by island
Sat Aug 09, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: What are you doing re charitable giving (money, not time)
Replies: 26
Views: 1504

Re: How do you address your inlaws and being addressed?

I never had an issue with using a professor's first name, as long as the professor stated that was their preference. Even all these years later, certain professors are "Jane" and "John" in my mind, while other professors are "Dr. Smith" and "Dr. Doe". There w...
by island
Sat Aug 09, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4707

Re: average American eats out 203 times per year

JonnyDVM wrote:And this is why the average American is so fat


Ignorance is bliss.
by island
Sat Aug 09, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6368

Re: How do you address your inlaws and being addressed?

First names or nicknames if they had them. DH did the same for mine. We're on the West Coast and they're in the MidWest and East so it's been fairly easy to not have to verbally address by name anyway. Never would I call anyone else's parents mom or dad. I have my own parents and they are and were t...
by island
Sat Aug 09, 2014 2:47 am
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4707

Re: Finding witnesses for a trust document

My wife and I need to amend some trust documents and we're supposed to have two witnesses sign off on them. However, we're very private about our finances and would rather not have friends or co-workers be witnesses to the legal documents. For various reasons, we've been advised that family members...
by island
Fri Aug 08, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finding witnesses for a trust document
Replies: 31
Views: 1226

Re: average American eats out 203 times per year

We're probably close and easily over if traveling. We like to eat out. A favorite pastime for us also. We like to new places or go to old favorites, doesn't have to be exotic or expensive. There are many dishes or cuisines that others do better and at less cost than what we can produce at home and w...
by island
Fri Aug 08, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6368

Re: Avoid Vanguard FundAccess Fees?

Trying to learn from other's threads, so can someone please explain what's the point of moving from an advisor to Vanguard if one still plans to buy trade more of the expensive funds they already own? If they stayed with their advisor I take it there wouldn't be a trading or transaction fee that you...
by island
Fri Aug 08, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Avoid Vanguard FundAccess Fees?
Replies: 11
Views: 898

Re: Telephone Calls! Help!

Caller ID? Looking up numbers? Why waste any of your time? Just don't answer the phone. Let your machine record a message if they leave one. If they don't leave a message, so much the better. But I have to ask this question of the folks who are complaining: May I ask folks why they even bother to a...
by island
Fri Aug 08, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Telemarketing phone calls]
Replies: 97
Views: 5711

Re: Telephone Calls! Help!

Just pick up the phone and say I'm on the do not call list, please stop calling and remove my name from your database. That's worked for us for the occasional person who calls every night until I do that. I don't get involved in any conversation, even if it's a charity I'm not interested in, I repea...
by island
Thu Aug 07, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Telemarketing phone calls]
Replies: 97
Views: 5711

Re: Grandparents - 80 yrs old, new to investing

How long have they been with Edward Jones? If recent maybe they could sell and move to Vanguard or similar funds without a big tax consequence.
Why do you question their lawyer's skills? Just because he small town?
Have they shown you their documents or asked for your advice?
by island
Sun Aug 03, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandparents - 80 yrs old, new to investing
Replies: 8
Views: 565

Re: What is your most memorable 1 week vacation?

Too many great ones, but a week is not enough for me anymore if I'm traveling a distance. Help us narrow it down; where do you live?
by island
Sat Aug 02, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 85
Views: 6536

Re: How often do you replace bath towels?

Didn't do the poll since none apply.
I buy new ones when I need or want them. We have a lot of them so they last a long time, but sometimes I just need a change.
by island
Sat Aug 02, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 3702

Re: How to stop collection for an invalid debt

Once something has been turned over to a collection agency, can it just be taken back? Yes. I used to frequently get magazine offers to try a number of issues for free and cancel or pay to continue after the trial. Once missed the bill and I got a collection notice. Wrote subscription was cancelled...
by island
Sat Aug 02, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: How to stop collection for an invalid debt
Replies: 31
Views: 1961

Re: How to stop collection for an invalid debt

Have you tried speaking to someone with authority at the library now and advising them you're being harassed by a collection agency for a book you do not have? I'd be ticked at the library and start hounding them to call off the collection agency. Then put it in writing to both sides. Can't believe ...
by island
Fri Aug 01, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: How to stop collection for an invalid debt
Replies: 31
Views: 1961

Re: How Much Did You Lose Today?

Curious to know what those who chose it, define a bloodbath? Or anyone else? If someone really feels that a 2% drop in equities is a "bloodbath", what are they going to think if/when there's a 20% drop? That's what I was thinking! Any idea what the worst single day drop was when the stock...
by island
Fri Aug 01, 2014 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14084

Re: How Much Did You Lose Today?

Curious to know what those who chose it, define a bloodbath? Or anyone else?
by island
Thu Jul 31, 2014 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14084

Re: Help me save my parents from Merrill Lynch

Thanks to all for the thoughtful responses. I should clarify that my parents have indeed asked me for my input. I've also given them copies of several Boglehead-friendly books, and they've said they find the philosophy attractive. That's why I'm so confused they ended up at Merrill Lynch. But yes, ...
by island
Thu Jul 31, 2014 12:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me save my parents from Merrill Lynch
Replies: 54
Views: 5981

Re: New Construction Builder options help me decide

Signed the contract last night and we went with the sunroom with the basement extension to match and the 3rd bath upstairs. As the wife and I discussed earlier in 5 years we aren't going to be sitting there wondering why in the world we paid 5k for an extra bathroom. That's one trip to vegas (non-b...
by island
Tue Jul 29, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Construction Builder options help me decide
Replies: 8
Views: 727

Re: Bathroom remodel, cost per square foot

Thanks for everyone's input on this. We are only at the design stage so no big cash layout is being done and I won't sign a construction contract until AFTER the design is set. Regarding paying cash, I should clarify. I am not financing the job but paying for it out of existing funds. Not even atte...
by island
Tue Jul 29, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bathroom remodel, cost per square foot
Replies: 17
Views: 1585

Re: Cell phone control devices for teen drivers?

oncorhynchus wrote:Interesting tech. Consider installing it in all your cars and on everybody's phones.

o


Great idea. There is no age limit on this problem.
by island
Tue Jul 29, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone control devices for teen drivers?
Replies: 36
Views: 1688

Re: Intimidated by Investment Advisor

There are some people on this forum that really know their stuff when it comes to trusts and inheritance issues. Consider retitling your post to reflect that and I think it will get their attention. Good luck.
by island
Mon Jul 21, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Intimidated by Trustee and Investment Advisor
Replies: 32
Views: 3919

Re: Buy a condo for college?

Wow, I'm surprised at all the positive comments in dorms. If your kids are friendly and outgoing, they will make friends. I would encourage them to join different groups, etc. If the numbers make sense, then go for it. Living on campus is blah compared to having your own place. Off campus (as long ...
by island
Sun Jul 20, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2517

Re: Buy a condo for college?

As a student, dorm life is far preferable for the first year or two. This bears mentioning, since a few posters have said the same thing--at the college we are looking at, freshmen dorm rooms are 2 people in a 13x13 room, and they share a bathroom with 2 other people in an identical room. Condos al...
by island
Sun Jul 20, 2014 1:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2517

Forbes article on charitable giving

Here's a new Forbes article on charitable giving that might interest some. http://www.forbes.com/sites/ashleaebeli ... s-in-play/
by island
Fri Jul 18, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forbes article on charitable giving
Replies: 0
Views: 463

Re: How much energy does water heater use when I'm not home?

I don't know, but doubt much. I'd be more concerned about flipping the switch one too many times and would just leave that and the temp setting alone.
by island
Fri Jul 18, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2765

Re: Buy a condo for college?

YttriumNitrate wrote:Do your boys want to live with each other in college? Also, do you plan to rent out the other room(s) to other college students?

That's what I was wondering and are they ok with having their parents as landlords or want more independence? What do they think of that plan?
by island
Fri Jul 18, 2014 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2517
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