Search found 1158 matches

by island
Sat Aug 01, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Majority of units in my condo assoc are owned by investors. Is this bad?
Replies: 21
Views: 2062

Re: Majority of units in my condo assoc are owned by investors. Is this bad?

If I was looking for a condo to buy and live in i would avoid a place where the majority were renters or short term vacation renters. Environment too transient and renters less vested in taking care of the property and shared amenities.
by island
Tue Jul 28, 2015 10:07 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 187
Views: 12057

Re: Would you look down on a co-worker for driving a beater?

The disagreement, however, is on what it's saying. Is the driver of the beater car saying "I'm broke and can't afford anything better?" Or are they saying, "I'm completely lacking in self-awareness and think my car looks perfectly fine?" Perhaps, "I see cars as tools, not f...
by island
Sun Jul 26, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 46
Views: 4397

Re: Can you return food at a restaurant and not have to pay for it?

What raises eyebrows is when the entree is half-eaten (or more!) before the guest says anything, whichSo while their aim is to make customers happy, they also need to protect themselves from scammers. (He told of one lady, who consumed a good portion of her meal, then said she didn't like it and wa...
by island
Sun Jul 26, 2015 6:08 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 46
Views: 4397

Re: Can you return food at a restaurant and not have to pay for it?

I would never ask for something else because it was not what i expected. I have returned food if cold or something wrong with it and it would be replaced with the same. If took a riduliously long time so that everyone else was probably going to be done I'd say forget it and please take it off my bil...
by island
Sun Jul 26, 2015 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Golden handcuffs - help with vested retirement plan
Replies: 28
Views: 3017

Re: Golden handcuffs - help with vested retirement plan

I'm a healthcare provider, but not a physician. When I started my job many moons ago, i couldn't contribute to my 401K until I was there a year and had to be employed 7 years to receive ANY of the the 5% annual employer contribution. Coincidentially they completely dropped the years of service vesti...
by island
Sun Jul 26, 2015 5:24 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2706

Re: Vanguard Account Hacked

Huh? I don't get it either. Why even post if you are not going to explain what happened?

How do you know you were hacked?
by island
Sun Jul 26, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 187
Views: 12057

Re: Would you look down on a co-worker for driving a beater?

I don't look down on anyone for driving a beater, but I'm not your coworker so who knows what they'll think.
Some probably won't care or notice and some would probably look down on someone with a 5 year old Lexus. The way of the world. It's what you think that matters.
by island
Sat Jul 25, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Doc changing last name
Replies: 23
Views: 3603

Re: Doc changing last name

Good to know. I did some research and it seems rather straightforward if you are getting married. Time consuming - but rather simple. To add a twist, her husband is also changing his last name from his mother's maiden to his father's. THAT is a painful process - I googled and most states mandate a ...
by island
Fri Jul 24, 2015 10:55 pm
Forum: Personal Consumer Issues
Topic: Scummy telemarketing charities
Replies: 5
Views: 743

Re: Scummy telemarketing charities

I ignore unknown callers. Why waste time even answering nevermind participating.
by island
Fri Jul 24, 2015 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 82
Views: 10644

Re: Can I afford a $1M house?

Hi all - thought I'd post back with an update. We moved forward and bought the $1M house. We also sold our house for more than I had originally expected (I had discovered this would be the case as we got into the process). As the dust has now settled, we will be settled in the new house with all re...
by island
Fri Jul 24, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: Ross Root Feeder
Replies: 24
Views: 1656

Re: Ross Root Feeder

For those of you using the root feeders and pipes do you circle around the tree to insert the feeder in several spots per tree? That's what we do, but how does the clay/plastic pipe set up work? Only one stationary per tree, set in the ground vertically? How long do you water and how often are you w...
by island
Thu Jul 23, 2015 10:49 pm
Forum: Personal Consumer Issues
Topic: Ross Root Feeder
Replies: 24
Views: 1656

Re: Ross Root Feeder

Duplicate
by island
Thu Jul 23, 2015 10:48 pm
Forum: Personal Consumer Issues
Topic: Ross Root Feeder
Replies: 24
Views: 1656

Re: Ross Root Feeder

john94549 wrote:
island wrote:Where did you get your Ross Feeder?


Ace Hardware.


Thanks! I'll check it out.
by island
Wed Jul 22, 2015 8:18 pm
Forum: Personal Consumer Issues
Topic: Ross Root Feeder
Replies: 24
Views: 1656

Re: Ross Root Feeder

Where did you get your Ross Feeder? We bought one years ago and it eventually broke. Still have a lot of the fertilizer pellets that go in it, but haven't been able to find the feeder locally. I'm sure we originally bought it in one of the big box home improvement stores. We have another root feeder...
by island
Mon Jul 20, 2015 10:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4922

Re: livesoft surpasses 40,000 posts!

Congrats!
When can we expect The Livesoft Guide To TLH? :greedy
by island
Mon Jul 20, 2015 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Left Ed Jones...what now?
Replies: 21
Views: 2894

Re: Left Ed Jones...what now?

Swampy wrote:Congratulate yourself on escaping early on, unlike many of us.


Amen to that! The American Funds I mean. :oops:
by island
Sun Jul 19, 2015 8:58 pm
Forum: Personal Consumer Issues
Topic: Costco Prescription Glasses
Replies: 17
Views: 1406

Re: Costco Prescription Glasses

They often have a $30 off coupon if buying 2 pairs with the same prescription. DH used that and got eyeglasses and sunglasses.
by island
Sun Jul 19, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: How do I fix a hole in this wooden door?
Replies: 42
Views: 2338

Re: How do I fix a hole in this wooden door?

Google it. There are a lot of "How to" links and videos online. I wish people wouldn't post things like "Google it." Well why not? In this case there are YouTube videos that show step by step tutorials that will show the OP how to fix it. He said he preferred to fix it rather th...
by island
Sun Jul 19, 2015 4:35 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3324

Re: When did you start investing in the Market?

1983 when started my career after grad school. Invested in the company 401K and it was probably more like late 1984 because I think I had to be an employee for a year before I could contribute. There was a small company contribution too, but get this, you had to stay 7 years before "vested"...
by island
Sun Jul 19, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why did you take SS at FRA instead of delaying until 70?
Replies: 69
Views: 7603

Re: Why did you take SS at FRA instead of delaying until 70?

BTDT wrote:Kind of disappointing that so few of the posters actually read the question, and answered why they chose to take SS at FRA versus 70 :oops:


Huh? That is the question.
by island
Sun Jul 19, 2015 1:14 pm
Forum: Personal Consumer Issues
Topic: How do I fix a hole in this wooden door?
Replies: 42
Views: 2338

Re: How do I fix a hole in this wooden door?

Google it. There are a lot of "How to" links and videos online.
by island
Sun Jul 19, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: Costco Prescription Glasses
Replies: 17
Views: 1406

Re: Costco Prescription Glasses

Last time DH needed glasses he saw frames he liked at Costco and bought a pair of glasses and sunglasses there. No complaints and will consider buying from Costco again if they have frames he likes. Don't know how their costs compare to other places.
by island
Sun Jul 19, 2015 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: To roll or not to roll - (former employer 401-K)
Replies: 10
Views: 667

Re: To roll or not to roll - (former employer 401-K)

I think you're correct that withdrawls from a TIRA before 59 1/2 with come with a 10% penalty with a few exceptions. http://money.cnn.com/retirement/guide/IRA_Basics.moneymag/index7.htm I'd roll it into my current 401K unless just dreadful. That's what my DH did a couple of years ago so he could do ...
by island
Sat Jul 18, 2015 7:52 pm
Forum: Personal Consumer Issues
Topic: Tipping at pay-first restaurants: what would you do?
Replies: 35
Views: 3307

Re: Tipping at pay-first restaurants: what would you do?

ctreada wrote:I don't tip in these situations either.

[OT comments removed by admin LadyGeek]


You should have quit after your first line. The rest is offensive.
by island
Sat Jul 18, 2015 7:45 pm
Forum: Personal Consumer Issues
Topic: Tipping at pay-first restaurants: what would you do?
Replies: 35
Views: 3307

Re: Tipping at pay-first restaurants: what would you do?

Sometimes I add a buck or 2 when I pay and sometimes I don't, but usually will leave it on the table if a server is bringing my food to the table.
There are no hard and fast rules. Don't make a project out of it. Just do what you feel comfortable with.
by island
Sat Jul 18, 2015 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Bill Sent to Collections Instead of Insurance
Replies: 25
Views: 3023

Re: Medical Bill Sent to Collections Instead of Insurance

Did she contact her correct insurance company? Send the correct insurance info to the hospital billing dept and the collection agency? If not, do that. Don't rely on a phone call, put it in writing. Explain what happened, include the bill and correct insurance info and make sure to ask for written c...
by island
Fri Jul 17, 2015 9:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 128
Views: 15454

Re: Roll Call for the Retirement Class of 2015!

I like it when the "classmates" includes their age. :happy
Congrats everyone!
by island
Fri Jul 17, 2015 6:08 pm
Forum: Personal Consumer Issues
Topic: Home landscaping dilemma
Replies: 21
Views: 2172

Re: Home landscaping dilemma

I'd recommend getting what you want too. That seems like a great price for a complete landscape with a pool! Only caution from this pool owner living in a dry state (CA) is to think twice about a pool water feature. Don't know what you had in mind, but some can be total water wasters and energy hog...
by island
Fri Jul 17, 2015 2:11 pm
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 43
Views: 3110

Re: Recommended World War I book

I'm glad this resurfaced too. Also not a book, or specific to the Ottoman Empire, but I just watched a 5 part series called Apocalypse WWI (2014) on the American Heros Channel and it was great! i was amazed, by the amount of footage from this time period. Certainly makes me want to learn more. Proba...
by island
Fri Jul 17, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Home landscaping dilemma
Replies: 21
Views: 2172

Re: Home landscaping dilemma

I'd recommend getting what you want too. That seems like a great price for a complete landscape with a pool! Only caution from this pool owner living in a dry state (CA) is to think twice about a pool water feature. Don't know what you had in mind, but some can be total water wasters and energy hogs...
by island
Wed Jul 15, 2015 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Physician: Which Job to Choose
Replies: 32
Views: 3550

Re: Physician: Which Job to Choose

I'd eliminate # 1 because of the long commute especially if you live somewhere with periods of harsh weather. Mine's about an hour each way when traffic is bad, which is often and it gets old, but been doing it for years so anything is possible. My attitude is it is what it is and here in CA it's of...
by island
Wed Jul 15, 2015 12:31 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6830

Re: I tipped 15% and got a dirty look

Minimum tip for us is 20% on entire bill including tax, but I'd caution not to read too much into the waitresses demeanor as you passed on your way out. May have had nothing to do with you.
by island
Tue Jul 14, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Grown Children as beneficiaries
Replies: 33
Views: 3232

Re: Grown Children as beneficiaries

I was beginning to think I was the only one on this forum who believes it is ok to give children different shares. To take an extreme example, if I had a child who chose to spend his/her money on drugs or alcohol and was only sporadically employed as a result, I would not want to leave him/her very...
by island
Tue Jul 14, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Grown Children as beneficiaries
Replies: 33
Views: 3232

Re: Grown Children as beneficiaries

Yeah Chudnudj makes a good point...
Don't forget to enjoy you own money. Loosen the purse strings, spend some because it sounds like your heirs will have no problem doing that!
And of course there are also many worthy charitable causes you can contribute to.
by island
Tue Jul 14, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1005
Views: 162281

Re: What Movie Have You Recently Watched?

Horrible Bosses II was on TV recently and it was as the title advertises..HORRIBLE! :oops:

Not a movie, but the "WWI Apocalypse" multipart series I'm watching on the History Channel is fantastic. I can't believe the amount of footage they have from that time period! So interesting.
by island
Tue Jul 14, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Grown Children as beneficiaries
Replies: 33
Views: 3232

Re: Grown Children as beneficiaries

I'd be prone to go with equal shares no matter what the % for same reasons other's mentioned: not ruling from grave, keeping peace among the siblings afer you're gone. Especially if the only thing you're unhappy with is the way they choose to handle $. And if in your shoes, I would definitely not sh...
by island
Tue Jul 14, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Having Trouble buying big ticket item
Replies: 57
Views: 4556

Re: Having Trouble buying big ticket item

is it strictly about cost or does she think it's lame and/or an eyesore? If the latter, pass.
by island
Sat Jul 11, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: Professional women's clothing stores in DFW area?
Replies: 6
Views: 467

Re: Professional women's clothing stores in DFW area?

All great suggestions so far.
Nordstrom can also schedule you with a personal shopper at no charge and alterations can be done at the store if needed. Many quality dry cleaners in our area do alterations at a reasonable cost.
Wishing her luck with her interviews!
by island
Fri Jul 10, 2015 2:58 pm
Forum: Personal Consumer Issues
Topic: Shower door or curtain for bathroom remodel
Replies: 61
Views: 3829

Re: Shower door or curtain for bathroom remodel

[quote="edge"]No, I didn't miss it. Maybe you missed the part where I recommended just a shower? If by cherry picking you mean 'selecting the first 5 that came up in the search' then guilty as charged!! Thank you for confirming the point that tub/shower combination is really a major traged...
by island
Fri Jul 10, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: Shower door or curtain for bathroom remodel
Replies: 61
Views: 3829

Re: Shower door or curtain for bathroom remodel

I'm on Team Shower Curtain! Especially with a baby. Add doors when your child is older if still want them. Trackless sliding or frameless swing out options. Any one who thinks a tub shower combo with a curtain is a "tragedy" has no vision. Check out Houzz.com to broaden your horizon. The ...
by island
Fri Jul 10, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: Shower door or curtain for bathroom remodel
Replies: 61
Views: 3829

Re: Shower door or curtain for bathroom remodel

I'm on Team Shower Curtain! Especially with a baby.
Add doors when your child is older if still want them. Trackless sliding or frameless swing out options.
Any one who thinks a tub shower combo with a curtain is a "tragedy" has no vision. Check out Houzz.com to broaden your horizon.
by island
Thu Jul 09, 2015 9:46 pm
Forum: Personal Consumer Issues
Topic: One car or two in semi-retirement?
Replies: 49
Views: 3364

Re: One car or two in semi-retirement?

I can't imagine having only 1 car per couple. Don't you ever go anywhere independently for different activities on own or with own friends?
by island
Wed Jul 08, 2015 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA conversion advice
Replies: 9
Views: 681

Re: Roth IRA conversion advice

Do you have a 401k now? Are the IRA's pre tax only? If so and if it's allowed, why not roll the IRA's into your current 401K? That way you'll clear the way for doing backdoor conversions every year. That's what my DH did with a 401K and a rollover IRA from 2 previous jobs. Easy moves and simplified ...
by island
Wed Jul 08, 2015 9:59 am
Forum: Investing - Help with Personal Investments
Topic: I was laid off June 30. Can you please help me figure out a few things?
Replies: 18
Views: 3978

Re: I was laid off June 30. Can you please help me figure out a few things?

2) During interviews, when asked what your salary requirements are, try your best to never be the one who talks about what you're looking for first. Respond with something like, "I was compensated fairly in my last position, and I'm looking to increase that. Can you tell me what the salary ran...
by island
Tue Jul 07, 2015 9:32 pm
Forum: Personal Consumer Issues
Topic: inheritance to pay college loans
Replies: 16
Views: 989

Re: inheritance to pay college loans

I would take the inheritance and pay off the student loans. You can then give your child money for "emergencies" or loan her money if she needs it. And money is money, it doesn't matter if it comes from a job, from a parent, or from an inheritance. Agree on all points. Pay them off all at...
by island
Tue Jul 07, 2015 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: I was laid off June 30. Can you please help me figure out a few things?
Replies: 18
Views: 3978

Re: I was laid off June 30. Can you please help me figure out a few things?

...there is a small chance I will be re-hired full time in another department in the next month or two, but I'm looking for other opportunities and want to proceed as if I will be at a new company. The 401k at my former employer was through Voya (formerly ING). I currently have a little over $7,500...
by island
Sun Jul 05, 2015 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: How Should I Invest My Non-Retirement Money?
Replies: 37
Views: 4252

Re: How Should I Invest My Non-Retirement Money?

We didn't escape the 2001 or 2008 drops, but we didn't cash out or stop investing either so it's been a very good ride since.
by island
Sun Jul 05, 2015 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: How Should I Invest My Non-Retirement Money?
Replies: 37
Views: 4252

Re: How Should I Invest My Non-Retirement Money?

Is your wife interested in educating herself about investing rather than just listening to the friends tales of doom and gloom? If so there are a lot of great book suggestions in the Wiki. As a female I appreciate that you are taking your wife's views into consideration, but as part of a married cou...
by island
Sun Jul 05, 2015 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: How Should I Invest My Non-Retirement Money?
Replies: 37
Views: 4252

Re: How Should I Invest My Non-Retirement Money?

You indicated your wife is ultra conservative, but the fund in her retirement accounts are not. Did she choose those?
I realize it's a small portion of overall portfolio, but still curious.
by island
Sun Jul 05, 2015 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: I was laid off June 30. Can you please help me figure out a few things?
Replies: 18
Views: 3978

Re: I was laid off June 30. Can you please help me figure out a few things?

Sorry about the lay off, hope a new job comes along soon. I'd be inclined to leave the 401K where it is for now, wait to see what 401K or tax deferred options you'll have with your next job. Creating an IRA will interfere with doing a Backdoor Roth once you exceed the income level for contributing t...

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