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Re: My PC is driving me nuts.

I would check for coupon ware or adware if the popup ads are excessive (there was another thread recently on adware). Then install AdBlock+ extension to block ads. Thank you for your quick response. Can you tell me how to check for that? I really know nothing about troubleshooting PC. Hmmmm, I bett...
by island
Fri Apr 24, 2015 2:51 pm
 
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 18
Views: 1024

My PC is driving me nuts.

Since getting an IPad I mostly surf the net on that, but in general still prefer using my PC, except not a fan of when Windows changed from being able to pull up everything I need from a start menu list along the lower left corner to the tile display where nothing seems intuitive or orderly. Anyway ...
by island
Fri Apr 24, 2015 2:39 pm
 
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 18
Views: 1024

Re: Self insuring for catastrophic risk in retirement.

This is something I'm interested in hearing about also.
I haven't checked into LTC insurance yet, but can someone give me an idea of what conditions are considered uninsurable for that? So much to think about. :confused Thanks.
by island
Wed Apr 22, 2015 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Self insuring for catastrophic risk in retirement.
Replies: 14
Views: 1425

Re: Paying for GFs school - any way to help myself?

You shouldn't be surprised at the feedback. So you are committed enough to pay for her education, but not committed enough to marry her? Seems inconsistent. Calm down folks. Your comments are judgments of the OP's lifestyle and morals, whether you believe it or not. I say go for it and pay her tuit...
by island
Tue Apr 21, 2015 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4627

Re: Dealing with tourists taking photos. Etiquette question

surfstar wrote:Image



Hahaha, love it!
Not sure who's photo bombing whom. :D
by island
Tue Apr 21, 2015 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with tourists taking photos. Etiquette question.
Replies: 34
Views: 3684

Re: Bernstein: "If you've won the game, stop playing."

Once the game has been won by accumulating enough safe assets to retire on, it makes little sense to keep playing it, at least with the “number”: the pile of safe assets sufficient to directly provide or indirectly purchase an adequate lifetime income stream. Bogleheads: I am in retirement and I ta...
by island
Sat Apr 18, 2015 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 14703

Re: Bernstein: "If you've won the game, stop playing."

William Bernstein advises retirees and near-retirees to avoid investing in risky assets such as stocks, at least with money needed to provide an adequate income stream. Is anybody acting on this advice and what is your strategy? I am not acting on his advice. I view bonds as just as risky to my ret...
by island
Sat Apr 18, 2015 6:21 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 14703

Re: Federal Tax Bracket Question

Very informative thread.
Thanks Sam5 and to everyone else who posted. :happy
by island
Sat Apr 18, 2015 5:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Tax Bracket Question
Replies: 27
Views: 2215

Re: Donating old books and getting tax writeoff?

You are allowed to deduct the retail value of the used goods that you donate. Most retail used book stores sell gently used paperbacks for 50% of face value, hardbacks for about 25%. You are not required to use charity store valuations, they have zero basis in the merchandise, so everything is prof...
by island
Wed Apr 15, 2015 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Donating old books and getting tax writeoff?
Replies: 17
Views: 2111

Re: Portable Air Conditioners

I dont know how you can live in SO CAL without AC. I'd have central air and portable units in every room Not at all. I too live in SoCal without AC and there are only a few days a year I wish I had it. Part of the joy of living here is being able to have open windows almost 365 days a year. So many...
by island
Mon Apr 13, 2015 10:41 pm
 
Forum: Personal Consumer Issues
Topic: Portable Air Conditioners
Replies: 9
Views: 783

Re: Household Gross Income Poll

Nothing wrong with this poll, to the contrary. During the past years, there have been many polls similar to this one, including networth surveys, showing the wealthy nature of some Bogleheads. This polls confirms this again even if skewed. If we come here to read/learn is because we want to increas...
by island
Sun Apr 12, 2015 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12525

Re: Household Gross Income Poll

For perspective, there are currently 32,372 registered members who've made at least one post. With 324 votes, that's 1% (324/32372) of the member population. I'd consider this poll statistically insignificant. It's also totally anonymous - the votes can't be authenticated. Exactly. So for those of ...
by island
Sun Apr 12, 2015 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12525

Re: Closing out my first 'snowbirding' winter

Any of you birds care to share what you were willing to pay in monthly rent for your home away from home digs? Any strategy or rationale behind your decision or was it simply I liked the place and I can afford it?
Thanks.
by island
Sat Apr 11, 2015 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 10608

Re: Kitchen upgrade - granite selection help

You're definitely in the wrong website for this inquiry.
Go to the kitchen forum of gardenweb.com and you'll get a ton of good advice.
by island
Thu Apr 09, 2015 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 4291

Re: Should I renege [on a] job offer?

Let me sum up what you have said so far. You like everything about the consulting job. You hate everything about the banking job. The pay at the latter is better, but the former is enough to live on comfortably and you've already accepted a position there. Why are you even considering this? This Ye...
by island
Thu Apr 09, 2015 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I renege [on a] job offer?
Replies: 45
Views: 3238

Re: When to give adult children their inheritance?

But if you're still living, it would be a horrible idea to give them a ton of money before they establish themselves. They will never have the pride of making it on their own... Why would you take that from them? Don't know about "a ton of money." But a nice cash infusion might give them ...
by island
Tue Apr 07, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 6632

Re: When to give adult children their inheritance?

We have no children, so we are leaving our money to our nieces and nephews (10 at last count). We aren't talking about the kind of money where they wouldn't have to work, so maybe not directly comparable to the OP, but this is what we did: At 40 they can withdraw 50% of their share, and at 45 they ...
by island
Mon Apr 06, 2015 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 6632

Re: High income help - must I resort to marriage?

Op if you don't want snarky comments, please consider retitling your thread. You've set the tone with that.
by island
Sat Apr 04, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: High income help - [Will marriage help reduce taxes?]
Replies: 29
Views: 2693

Re: How to ask someone to be executor/trustee?

Yikes this thread is depressing. :( DH and I are DINKS with no family in state and planned on asking a reliable younger sibling if she would be our trustee, but after reading this thread I fear maybe we'd be burdening her with something she'd regret agreeing to since she lives cross country. No guar...
by island
Sat Apr 04, 2015 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How to ask someone to be executor/trustee?
Replies: 21
Views: 1987

Re: Mother's trust fund for retirement: Crazy allocation, et

[quote="Kelly Brackett] I'll see about getting the trust document. As I understand it though, "the bank" is the trustee, since everyone else is dead and buried. My mother has access to the funds in the trust, but only after authorization from the trust manager at the bank. Hmm[/quote]...
by island
Tue Mar 31, 2015 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mother's trust fund for retirement: Crazy allocation, etc.
Replies: 10
Views: 1152

Re: Moving Fiance's investments

flyingbison wrote:Why is either one of you trying to make decisions for someone else?


Exactly! Where is your future wife in this discussion? If you're trying to convince anyone of anything it should be your fiancé, to start taking an active roll in managing HER OWN retirement funds.
by island
Tue Mar 31, 2015 3:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving Fiance's investments
Replies: 17
Views: 1378

Re: Closing out my first 'snowbirding' winter

What if you split your time equally between 2 states. Which one is considered your state of residency? Can you prorate your state taxes, have to pay to both, if both have state tax?
by island
Mon Mar 30, 2015 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 10608

Re: Sued and won for drycleaner losing suit, suit now found.

Congrats! Ok please tell us what you were able to collect on this? Am I the only one who's curious what that suit was worth? :D Also what's the process for small claims? Do you file paperwork and then both parties have to show up in court a la Judge Judy or is the paperwork just reviewed by a judge ...
by island
Mon Mar 30, 2015 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7953

Re: Hate where we live, do we make major changes?

Alex Frakt wrote:.....Remember that each $1 of pension income replaces $25 of savings (assuming a 4% withdrawal rate).


Why? Why isn't $1 = $1?
by island
Sun Mar 29, 2015 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12263

Re: Closing out my first 'snowbirding' winter

Just returned from Grand Bahama Island after 3 months. Going to a foreign country presents many problems. We hope everyone stays in South Florida. 8-) What kind of problems? I've never gone out of country that long, but have stayed 4-6 weeks several times in Mex, Aruba, Anguilla, Turks & Caicos...
by island
Sun Mar 29, 2015 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 10608

Re: Hate where we live, do we make major changes?

The additional info you provided paints a better picture. You hate where you live , both hate your jobs, and kids are young enough that no one is moving during their last 2 years of high school. Yeah, what are you waiting for? Move! Many people weigh the pros and cons and are somewhere in the middle...
by island
Sun Mar 29, 2015 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12263

Re: Hate where we live, do we make major changes?

Curious,are you from that area or a cold winter climate originally? If so, always hate it?
Have you traveled extensively in the US and have a good feel for where else you might like to live?
how do you think your kids would do if uprooted?
by island
Sun Mar 29, 2015 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12263

Re: The Financial Implications of Moving in Together

I moved in with my GF after 6 ish months of dating, and weve been living together for 7 years now. We never had a hard rule of who pays for what. I have generally made more money, so I would pay a bit more bill wise. We bought a house a few years ago (its in my name, I put the downpayment down) and...
by island
Sun Mar 29, 2015 1:32 am
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3143

Re: 33 year old with questions on 401k and building wealth

Curious, what did you earn your degree in and what is your job now? Does your employer offer tuition reimbursement if you decided to further your education?
by island
Sun Mar 29, 2015 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: 33 year old with questions on 401k and building wealth
Replies: 14
Views: 2140

Re: Sued and won for drycleaner losing suit, suit now found.

LadyGeek wrote:Please stay on-topic. I wouldn't want to see this thread unraveled.

Lady! Oh no you didn't! :twisted: Love it!
by island
Sat Mar 28, 2015 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7953

Re: Son graduating college-what to do?

I don't understand the draw to the Bay area. It's not the only place to get a good job or good experience. I grew up on the west coast and lived in northern California for a couple years after undergrad (further inland since I knew I couldn't afford the Bay area) and will never move back because th...
by island
Sat Mar 28, 2015 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3296

Re: Gift Ideas for 80 Yr Old Grandmother w/ Dementia

There does seem to be a lot of suggestions focused on the dementia. OP is that what you wanted? 80 with dementia is not one size fits all. If not maybe you could come back and clue us in with a little more info. Tell us more about what your grandmother likes. Is she still active, social, like to dre...
by island
Sat Mar 28, 2015 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Gift Ideas for 80 Yr Old Grandmother w/ Dementia
Replies: 23
Views: 1605

Re: Closing out my first 'snowbirding' winter

Curious, are you all homeowners? Who looks after your homestead while you're gone?
Thanks.
by island
Sat Mar 28, 2015 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 10608

Re: Closing out my first 'snowbirding' winter

Been doing it for 20 years. Picked up a part time position at Disney. Work Braves spring training games at ESPN Wide World of Sports and get discount golf at Disney courses. What could be better? (Retired at 53 still working at 75) That sounds interesting. What kind of work do you do at Disneyworld...
by island
Sat Mar 28, 2015 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 10608

Re: Son graduating college-what to do?

If you insist on doing something, give him a graduation gift and stand back, let him do his own thing. I don't think you stated, but I gather he's graduating without student loan debt? If so you've already given him a great start. Many grads don't have that advantage and manage just fine. May mean c...
by island
Sat Mar 28, 2015 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3296

Re: Gift Ideas for 80 Yr Old Grandmother w/ Dementia

I would think your presence would be appreciated more than a gift. Or would grandmother think otherwise? How about a gift certificate to take her to dinner or lunch to spend some more time with her?
by island
Sat Mar 28, 2015 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Gift Ideas for 80 Yr Old Grandmother w/ Dementia
Replies: 23
Views: 1605

Re: Closing out my first 'snowbirding' winter

Hi all, was wondering if there are other snowbirds out there who have experiences to share. I retired a few years ago and my wife last year so we decided to go south to Florida for the winter. We loved it. The weather was great....we missed all the snow and cold up north...and got to do a lot of te...
by island
Sat Mar 28, 2015 6:04 pm
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 10608

Re: Closing out my first 'snowbirding' winter

Hi all, was wondering if there are other snowbirds out there who have experiences to share. I retired a few years ago and my wife last year so we decided to go south to Florida for the winter. We loved it. The weather was great....we missed all the snow and cold up north...and got to do a lot of te...
by island
Sat Mar 28, 2015 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 10608

Re: Need some help please

Sorry for your loss and the drama unfolding. I have no advice other than to suggest you retitle your post to include the words trust or will to better attract the attention of the well respected attorneys who frequently respond to this type of thread. Bogleheads all benefit from their expertise and ...
by island
Sat Mar 28, 2015 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need some help please with Estate question
Replies: 23
Views: 2373

Re: Sued and won for drycleaner losing suit, suit now found.

dependapotamus wrote:Thanks for all the advice everyone. I will proceed with letting the suit go and collect the judgment.


Please let us know if they pay up. Good luck
by island
Sat Mar 28, 2015 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7953

Re: Load vs No load calculator

Not exactly, but here's one that will make you feel the pain of expenses.

http://buyupside.com/calculators/feesdec07.htm

Another I just found, but haven't played with yet.

http://www.dinkytown.net/java/FundExpense.html
by island
Thu Mar 26, 2015 11:16 pm
 
Forum: Investing - Theory, News & General
Topic: Load vs No load calculator
Replies: 1
Views: 233

Re: Can I afford a $1M house?

How stable is your job and your ability to find one with a similar income if you lose it?
by island
Thu Mar 26, 2015 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 74
Views: 7975

Re: Vanguard HealthCare Fund

And why VGHCX managed fund rather than VHCIX, the health care index fund? I think a lot of people don't realize the index fund exists. On top of that, the asset coverage is different (the managed fund has nontrivial international holdings), and the minimum investment is larger for the index fund at...
by island
Tue Mar 24, 2015 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6200

Re: Vanguard HealthCare Fund

And why VGHCX managed fund rather than VHCIX, the health care index fund? I think a lot of people don't realize the index fund exists. On top of that, the asset coverage is different (the managed fund has nontrivial international holdings), and the minimum investment is larger for the index fund at...
by island
Tue Mar 24, 2015 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6200

Re: Vanguard HealthCare Fund

And why VGHCX managed fund rather than VHCIX, the health care index fund?
by island
Tue Mar 24, 2015 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6200

Re: Vanguard HealthCare Fund

Do you all hold it in your tax deferred or ROTH? Is it tax effecient and suitable for a taxable account?
by island
Tue Mar 24, 2015 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6200

Re: Fish from Costco?

BahamaMan wrote:
island wrote:I have, several times, and I don't like it. All taste different, but all (people) have different tastes and salmon is not for me.


OK, that's fine...But if it's 'too fishy', it's not fresh!


You don't think some are more mild in flavor than others? Sheesh.
by island
Mon Mar 23, 2015 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 5762

Re: Fish from Costco?

Salmon is too fishy and oily tasting for me. You have not eaten it fresh then. And probably you had Farm Raised Atlantic Salmon. There are 5 species of Pacific Salmon. All taste different. I have, several times, and I don't like it. All taste different, but all (people) have different tastes and sa...
by island
Mon Mar 23, 2015 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 5762

Re: Advice for good friend

The planner has full control of all of her accounts (savings, checking, investments, etc.) and allocates where the family's paychecks go. This is just wrong and a disaster waiting to happen. Totally agree. The ERs are bad enough, along with the full control of course, but do you really want your em...
by island
Mon Mar 23, 2015 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for good friend
Replies: 38
Views: 3429

Re: Fish from Costco?

Salmon is too fishy and oily tasting for me. Have had great Alaskan halibut and ahi from Costco, both mild for my taste, but haven't tried frozen. Great big tasty scallops too. Used to get frozen filets of different fish from Trader Joe's that were good, but haven't been in awhile. Wonder how the Co...
by island
Mon Mar 23, 2015 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 5762
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