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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: 29
Views: 3037

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: 2360

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: 2360

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: 456

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: 2688

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: 2360

Re: Hospital bill negotiation

A special thanks to those who provided helpful tips. One particular individual asked why I would try to negotiate. Simple, it is within my rights as a paying customer and consumer to ask these types of questions. If I believed the bills were realistic and fair for these routine procedures, then I w...
by island
Fri Jul 18, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4005

Re: Hospital bill negotiation

A special thanks to those who provided helpful tips. One particular individual asked why I would try to negotiate. Simple, it is within my rights as a paying customer and consumer to ask these types of questions. If I believed the bills were realistic and fair for these routine procedures, then I w...
by island
Fri Jul 18, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4005

Re: POLL: Walmart vs Amazon

Another annoyance at Sam's Club is after going through the checkout and paying for the merchandise you are stopped by the door person and rechecked to make sure you have not stolen any merchandise. Costco, a store which I like, does the same thing. Most retail stores don't do this to every shopper....
by island
Fri Jul 18, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7963

Re: It is time to retire when you .......

How do you all have time for walks? What type of work do you do? Would love the ability to do that! I work in healthcare and every day is beat the clock. Every minute is so over-scheduled that just a run to the bathroom can put me behind schedule and rarely have time for lunch. That said, I enjoy m...
by island
Fri Jul 18, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9610

Re: Can't decide to keep 401k with previous employer or move

Questions: 1. Roll over to IRA? May be complicated because I will need to talk to Vanguard about splitting up the Roth and Pre-Tax assets. I am sure they've done this before. 2. Roll over to my current employer? 3. Stay with current employer's system with the old funds? .... I vote for 3, because y...
by island
Fri Jul 18, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 28
Views: 2069

Re: It is time to retire when you .......

I knew it was time to retire when . . . I was so burned out on my tech job that each time I needed to use the restroom I walked downstairs from my 3rd story office and walked outside to a random restroom on the other side of the campus. Just to get outside and get away. OMG, you just described me.....
by island
Fri Jul 18, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9610

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

Honestly, I'm not sure I could last two years. It's only been a short time under the new supervisor and honestly, I am already so tired of this. In two years, honestly I think I would be going out of my mind. I tend to think that it is significantly easier for someone to tell someone else that they...
by island
Thu Jul 17, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7074

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

Hi guys, Wow! Thanks for all the feedback. I read through all the messages twice. Honestly, I'm not sure I could last two years. It's only been a short time under the new supervisor and honestly, I am already so tired of this. In two years, honestly I think I would be going out of my mind. Regardin...
by island
Wed Jul 16, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7074

Re: Asset allocation

VFIAX--Vanguard 500 Index Fund Admiral Shares VSIAX--Vanguard Small Cap Value Index Admiral Shares VDIGX--Vanguard Dividend Growth Fund Investor Shares VBILX--Vanguard Intermediate-Term Bond Index Fund Admiral Shares VBTLX--Vanguard Total Bond Market Index Fund Admiral Shares VGSLX--Vanguard REIT I...
by island
Wed Jul 16, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation
Replies: 6
Views: 538

Re: High end purses

I want to thank this thread for getting me to search for purses. Now, every web page I go to has an ad or three for a purse. Many are from Nordstrom, which I believe I can blame on the OP since I followed his link to the Marc by Marc Jacobs purse as well as his subsequent link to a monogramed D&...
by island
Tue Jul 15, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10491

Re: New Investor with Class A fund blues

First of all, nobody can convince you or put you in something you don't agree to go along with. No one twisted your arm or screwed you. It's always easier to blame someone else ( read it here all the time), but the mistake is yours to own . I say that as someone who did the same. Bought American Fun...
by island
Tue Jul 15, 2014 2:10 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2034

Re: In retirement you expect you standard of living to?

steve_14 wrote:Standard of living, the same. Quality of life, much higher.


Agree. More time to travel.
by island
Mon Jul 14, 2014 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4505

Re: vacation points program

I know several people who've bought into a timeshare and all of them regret their purchase and ongoing fees.
by island
Mon Jul 14, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: vacation points program
Replies: 18
Views: 1552

Re: Who else hates choosing a car?

No problem choosing at all. Only thing I care about is that it's a small 4 door sedan, reasonably priced, can be paid for in cash, preferably American because I've had good luck with GM cars and was burned by my first which was a Volvo, and that it comes in a color I like and choose and has leather...
by island
Sun Jul 13, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6273

Re: Who else hates choosing a car?

No problem choosing at all. Only thing I care about is that it's a small 4 door sedan, reasonably priced, can be paid for in cash, preferably American because I've had good luck with GM cars and was burned by my first which was a Volvo, and that it comes in a color I like and choose and has leather ...
by island
Sun Jul 13, 2014 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6273

Re: Your net worth/investments when you started saving less

"Guilt"? What is there to be guilty about if you have enough to spend without depriving you and your family or sacrificing your future? Can you please explain that? I'm not saying go crazy and spend just to spend, but if you have to question when is it time to loosen up on the saving, it s...
by island
Sun Jul 13, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your net worth/investments when you started saving less
Replies: 17
Views: 2354

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

Hates a strong word and now you've got me curious, what exactly does he do or say that makes you hate your boss?
by island
Sun Jul 13, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7074

Re: Your net worth/investments when you started saving less

Each individual is different,having said that you will know the amount when you reach it. :happy +1 We max out our 401Ks, backdoor Roths, HCSA if anticipate need for the year, and save whatever is above needs and wants. We live within our means, but don't scrimp or pinch pennies, regardless of what...
by island
Sun Jul 13, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your net worth/investments when you started saving less
Replies: 17
Views: 2354

Re: High end purses

The dude just wants to give his wife a nice purse in a certain price range. Period. Take it for what it is and maybe we can all save the hidden meaning, signaling stuff for the countless posts about struggling with frugality and keeping up with the Jones spending else it will get closed for all the...
by island
Sun Jul 13, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10491

Re: High end purses

"Not everyone who buys something expensive is doing so to impress others, although that myth is frequently repeated on this board." I agree that it's a myth, but only those who buy expensive things for enjoyment will ever understand. I've had nice collector cars I never talk about in the ...
by island
Sun Jul 13, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10491

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

Any opportunity to transfer to another dept or supervisor?
Quit? I wouldn't want to give him the satisfaction! :twisted:
by island
Sun Jul 13, 2014 2:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7074

Re: Two kinds of people.

TxAg: There are two kinds of people: Inner-directed and outer-directed . Outer-directed are the people who buy flashy handbags to impress others. I prefer inner-directed people like Jack Bogle (who wears a $17 wrist-watch). Best wishes. Taylor Edit: Memory failed me. Our mentor wears a $14 wrist-wa...
by island
Sat Jul 12, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10491

Re: Family cabin [Estate] planning

Has your FIL been there lately, know the state of disrepair, or your husband's concerns about how to share use and responsibility in the future? If not that's a problem, and a long overdue conversation your husband needs to initiate ASAP. All the nostalgia he has for that place is not going to resol...
by island
Sat Jul 12, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family cabin [Estate] planning
Replies: 25
Views: 1954

Re: Extremely Heavy Duty Office Chair

Another vote for Steelcase. I got two Steelcase task chairs that were being given away by a defunct business about a dozen years ago. Except for the mild wear and tear on the seats, they are just like new. The seat height, back height, seat pitch, arm rest heights all adjust. I want to recover the ...
by island
Sat Jul 12, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Extremely Heavy Duty Office Chair
Replies: 15
Views: 1759

Re: Marriage - Asset Allocation Question

My reference is from a marriage/divorce in California. To let you know, these are inherited assets and she does not have to commingle the assets with you. She can keep them separate as her own property. Personally, I would not recommend your wife to commingle the assets. Ultimately, it is up to her...
by island
Fri Jul 11, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Marriage - Asset Allocation Question
Replies: 11
Views: 1243

Re: Engineer career change

Only 23. How long have you been working in the field?
by island
Fri Jul 11, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5393

Re: Mimimize expenses vs. Maximize Roth contribution

LAlearning wrote:Can you move it to your new employer?

I would leave it if you cant.


Without knowing anything else. I'd leave it too.
You said weighted average. What are the lowest cost fund options?
by island
Fri Jul 11, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mimimize expenses vs. Maximize Roth contribution
Replies: 13
Views: 1205

Re: Easy careers to last me to retirement?

Hopefully this helps: http://vimeo.com/60087670 (seriously, watch it - it may be inspirational for you) "What do you want to do if $ was no object?" Interact with people, and not sitting in my cubicle in a room full of people. Now to figure out what jobs are like that, besides Sales + bar...
by island
Fri Jul 11, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13465

Re: Advice for how to fund my wedding

Option 1. You can always sell investments if necessary when it comes time to buy the house. This way you avoid paying taxes until you really need to. Plus, your cash is not earning you any money. Congrats on the wedding. Sounds like it will be really nice. That's what I was thinking. Ignore the mis...
by island
Tue Jul 08, 2014 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2665

Re: When you retire you plan to?

How about a choice for I have no idea
by island
Tue Jul 08, 2014 12:29 am
 
Forum: Personal Finance (Not Investing)
Topic: When you retire you plan to?
Replies: 44
Views: 3356

Re: Car did not start: To dispose? How?

I've had AAA for 30 years, wouldn't be without it. I've had to call them for several different things over the years from locked out or flat tire to battery jump and many tows. Doesn't matter where your car is, they'll tow from home, work, roadside, parking lot, anywhere. I've been there! They use t...
by island
Mon Jul 07, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5464

Re: POLL: How Old is Your Newest Motor Vehicle?

This poll is misleading. I chose 3-4 years, but the car it replaced was about 13 years old.
by island
Mon Jul 07, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle?
Replies: 37
Views: 2397

Re: Best kitchen faucet?

Redid kitchen about 13 years ago and are very happy with the Price Pfister we bought. Single handle with pull out spray/stream. looks like this, but don't think it was near that expensive. Got it at Home Depot or Home Depot Expo. http://www.pfisterfaucets.com/Kitchen/Product/F-WKP-533S.aspx Initiall...
by island
Mon Jul 07, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Best kitchen faucet?
Replies: 14
Views: 914

Re: Book for part-time Grad school?

I know many who worked full time while pursuing their graduate degree evenings/night. I did the same for my doctorate. Unfortunately don't have any book recommendations on how to do it. We all just crammed it in and didn't have a lot of free time while doing so. Looking back I don't know how I manag...
by island
Mon Jul 07, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Book for part-time Grad school?
Replies: 26
Views: 1528

Re: Easy careers to last me to retirement?

You seem to know what you don't like. What do you like? sitting in front of my computer reading Boggleheads.org :P i have no more ambition. i think I'm burnt out. all i want to do now is drift to Age 60. Yeah, who wouldn't. Wait on second thought not me. Burned out an only 43? Sure it's only about ...
by island
Sun Jul 06, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13465

Re: How to protect assets during marriage

Please try the search function and you'll find many threads on this topic, including recent ones with questions about the need for pre ops. Also there are many women who are cleaned out by their husbands during a divorce. It goes both ways. I know a few whose husbands refused to do any work other th...
by island
Sat Jul 05, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to protect assets during marriage
Replies: 13
Views: 880

Re: Valuing a personal residence for net worth purposes

Home paid off, but don't count it at all. As far as net worth goes I'm adding that up now for the purpose of posting my portfolio for advice, but otherwise I have no interest in counting and recounting net worth. I don't get why some are so fixated on that. They want to move to CA when they retire....
by island
Sat Jul 05, 2014 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 3732

Re: Valuing a personal residence for net worth purposes

Home paid off, but don't count it at all.
As far as net worth goes I'm adding that up now for the purpose of posting my portfolio for advice, but otherwise I have no interest in counting and recounting net worth. I don't get why some are so fixated on that.
by island
Sat Jul 05, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 3732

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

Forgot to mention we last did our kitchen about 13 years ago. Got a Dacor 36" slide in gas range and our DW is a Bosch. Love the continuos grates of the cooktop and I would consider both of those brands for the new remodel. Will also look at the Wolf. I hear good things about Blue Star ranges, ...
by island
Fri Jul 04, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 47
Views: 3053

Re: I Hit My Number Today!

I have trouble coming up with a 'number'. I've heard or read that one would need about twelve times one's current job income. Again, the how and why of this 'number' is beyond me. It's just something that wiser heads have figured out. 25-30x expenses. That might make more sense to you. 12x one's cu...
by island
Fri Jul 04, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3287

Re: Inappropriate to ask your boss about buying a home?

Maybe it depends on the type or size of the company, but seems inappropriate to me. If I was going to ask about job stability I'd do just that and not tie it to a convo about buying a house. Also if job stability was questionable enough that I'd think about asking my boss about job security and if t...
by island
Fri Jul 04, 2014 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inappropriate to ask your boss about buying a home?
Replies: 24
Views: 2293

Re: I Hit My Number Today!

Congrats! Although as a newbie to this site I don't really understand the concept of hitting my number. How does one decide, or more importantly I'd like to know what you do when you get there? Do you take your stash and put it in something very conservative? Because if not, another downturn and eas...
by island
Fri Jul 04, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3287

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

As someone who is contemplating a kitchen and 3 bath reno I wish I knew! There are so many options out there. In my case I'll be limited by space and will be focused on a 36" slide in range, probably gas and a 36" counter depth or built in fridge which offers the most interior space and t...
by island
Fri Jul 04, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 47
Views: 3053

Re: compare tablets with and without a stylus pen

Have an iPad that didn't come with one, but husband got a freebie at a work related tech trade show. It fits in the loop of the iPad cover so that's where it lives, but after a few tries neither of us see the need. Faster to 2 finger type and swipe for me. Screen doesn't get that dirty and easy to c...
by island
Fri Jul 04, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: compare tablets with and without a stylus pen
Replies: 6
Views: 412
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