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Re: "You're invited to...." (nonsense talk and dinner)

I recently went to such a seminar and found the whole evening novel and slightly entertaining. The main reasons for going: possibly to learn something and for a dinner with wine at the Four Seasons. Started off with a 2 hour "seminar" where the speaker lectured about market perils for the ...
by kidsgone
Tue Oct 21, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 68
Views: 4185

Re: Tract Home - Things to Watch During Construction

We purchased a new track home in Arizona 20 yrs ago and here are a few things that we did: -tipped the Sup't. He had 9 new houses to manage in our subdivision so that meant he was supposed to dedicate about 11% of his time on our house. After the tip, we noticed he was on site every time we visited....
by kidsgone
Thu Aug 21, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 58
Views: 4007

Re: sprinkler system question

We also have a sprinkler system for our home, that is, a fire sprinkler system. Best not to run that system when on vacation.
by kidsgone
Thu May 29, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: sprinkler system question
Replies: 29
Views: 2858

Re: Looking for Actual Experiences with Umbrella Insurance

I am aware of two incidents that involved umbrella insurance: 1. 6 yrs ago I was at a stop sign, behind me was a Ford Explorer going 55 mph, that driver never saw me, never hit the brakes, and hit me in the rear shooting my 4-Runner about 120 ft into the desert. The damaged Ford then hit a motorcycl...
by kidsgone
Thu Jan 09, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking for Actual Experiences with Umbrella Insurance
Replies: 79
Views: 7128

Re: London and Paris Trip Advice

There have been several good ideas posted here for Paris to include the Pere Lachaise Cemetery especially for the 2 boys, and the night boat ride down the Seine. Other favorites of ours include not just touring Notre Dame but staying for high mass with the singing and incense (open to the public and...
by kidsgone
Tue Dec 10, 2013 12:25 pm
 
Forum: Personal Consumer Issues
Topic: London and Paris Trip Advice
Replies: 34
Views: 2503

Re: Why am I way more happy winning $500 gambling than $1000

I am curious how you won $500. Did you play on a single or double zero table? How long did you play and what was your strategy (certain numbers, outside bets, etc)? With the house odds at 5.3% on double zero tables I find myself rarely winning at roulette after playing for a few hours.
by kidsgone
Fri Nov 08, 2013 11:32 am
 
Forum: Personal Consumer Issues
Topic: Why am I way more happy winning $500 gambling than $1000 inv
Replies: 18
Views: 1546

Re: Alaska Cruise

Regarding sea sickness, my wife and I took a splendid 8/2013 Alaska cruise and this was the first time that we have ever gotten seasick on a large cruise ship. We were upgraded to a suite on the highest deck level and I believe this high room was possibly the reason for the seasickness. Safety instr...
by kidsgone
Wed Oct 30, 2013 11:42 am
 
Forum: Personal Consumer Issues
Topic: Alaska Cruise
Replies: 19
Views: 1370

Re: How did you/your child pay for college?

My college costs were $1100/yr room/board/tuition, Midwest private school, in the late 60's. Spouse spent 9 months at a Voc Tech school for a LV Nursing certificate, lived at home, attended back in the 70's when tuition was free for those < 21; when married and a few years later went to the local co...
by kidsgone
Mon Sep 30, 2013 5:23 pm
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 9103

Re: Should I get a MBA?

I don't have an MBA, but helped my son with his application and essays when he applied a few years ago so I learned a few things about the process. Harvard, for example, has a quota system and you should ask yourself into what box will you be placed. I once met a top 10 school's Director of Admissio...
by kidsgone
Tue Jul 30, 2013 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I get a MBA?
Replies: 37
Views: 3178

Retirement expenses

For you retirees, do you have an under-estimated expense that now calls for more spending than what you had anticipated?
by kidsgone
Thu Jul 11, 2013 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement expenses
Replies: 7
Views: 736

Re: Premium Products That Are Worth It To You

Lexus
Luxardo cherries (for cocktails) in 12 lb cans
Iphones and Ipads
Ping clubs
Italian leather shoes
by kidsgone
Wed Jun 19, 2013 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 40344

Nearing retirement assistance

As my wife and I head into retirement this year we welcome any comments about our plans. We are 62 and 66 and both plan on taking SS and quitting our jobs. We have no Roth accounts, pensions, rental properties, or annuities. Our savings, with a 50/50 AA, consists of 86% tax deferred (401k and roll o...
by kidsgone
Wed May 22, 2013 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nearing retirement assistance
Replies: 2
Views: 608

Home Equity

My Wife and I are within one year of retirement, and recently moved across county and paid cash (from our taxable account) for a home. Our overall AA was and remains at 50/50 since we recently shifted some stock into bonds and TIPS (all three in tax deferred accounts) to keep our AA in line after ta...
by kidsgone
Tue Jan 29, 2013 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home Equity
Replies: 7
Views: 850

Re: Say not to high dental cost

That $4000 quote is crazy. Last month my wife needed a crown and root canal. Our dentist accepts our insurance company rates of $560 for crowns and $710 for root canals. We had to pay 50% as a co-pay on these two figures, or about $635. In checking around, some dentists in the area charge over $1000...
by kidsgone
Wed Sep 19, 2012 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Say no to high dental cost
Replies: 71
Views: 6924

Home Purchase

My wife and I are planning on retiring soon and moving back to the Midwest (more expensive homes) from the Southwest (cheaper homes). We want to pay cash for the home purchase so that we won't have a mortgage in retirement, and avoid the issues of dealing with getting a new loan. One problem with pa...
by kidsgone
Thu Sep 06, 2012 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home Purchase
Replies: 2
Views: 248

Asset Allocation

Here is my issue: Our Total International Stock fund (30% of our equities which is about were I want to be) is down 20% while our TIPS fund is up 13% for the year. This difference of 33% presents a tempting opportunity to switch some of our funds from TIPS to International (no taxes or fees paid for...
by kidsgone
Thu Nov 24, 2011 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Asset Allocation
Replies: 7
Views: 705

Re: Costs of Full-Service Movers?

when I last moved the standard included insurance was 60 cents per pound. hello. that nice china piece that costs $800 and weighs in at a whopping 3 lbs would get you $1.80 if the boys dropped it. does anyone know if the 60 cent reimbursement rate is still in place?
by kidsgone
Sat Oct 29, 2011 12:14 am
 
Forum: Personal Consumer Issues
Topic: Costs of Full-Service Movers?
Replies: 30
Views: 1825

Dental work

I have been going to a conservative dentist for the past 3 years and like her. She is one of the few dentists in my community that accepts our insurance as full payment. For example, insurance pays R & C $560 for a crown. Not too many dentists in our area, that is filled with million $ homes, wi...
by kidsgone
Thu Sep 01, 2011 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: dental scams you've known and loved
Replies: 73
Views: 13530

HVAC

All good suggestions so far. Allow me to add a few: generally you will want an hourly worker vs one paid on commission. In our town, one of the largest HVAC service companies, with over 100 techs, have 20 or more of their techs getting paid $100,000+/yr. The incentive for up-selling can often times ...
by kidsgone
Mon Jun 13, 2011 6:24 pm
 
Forum: Personal Consumer Issues
Topic: How to find the best HVAC company
Replies: 7
Views: 790

Eye Surgery

For two years my wife and I were on a private insurance health plan with a $2500/each deductible. Whenever we had doctor visits, lab work, and surgeries the health care provider set the maximum amount that we would pay based on their pay schedule. As long as we went to "in network" provide...
by kidsgone
Mon Apr 25, 2011 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Negotiating hospital bill - after partly paid by insurance
Replies: 12
Views: 2058

For our situation, one nice feature of having an older car: cheaper insurance. When our two extra cars reached the 15 yr old mark, we were able to switch to the collectible category. ~50% reduction in premiums while getting more insurance coverage (specifically, we got to pick our cars' values). Our...
by kidsgone
Sat Jan 15, 2011 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Any old vehicles guys lurking on this board?
Replies: 26
Views: 2876

knives to use

I agree 100% with Oblivious Investor: one needs only 3 good knives to inlcude chefs, bread (that can double as a tomato knive as well) and paring. A good 4th knive is a slicer for the turkey, prime rib roast, ham, etc. Expect to pay about $200-$200 for the 3.
by kidsgone
Sun Nov 28, 2010 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Best knife set at reasonable price
Replies: 45
Views: 7822

Shoes

We are fortunate for in our town we have a Last Chance clothing /shoe store owned by Nordstroms. No shoes over $39/pair. All are returned shoes to Nordstrom retail stores. Wife and I stop by ~monthly and pick through the racks of shoes looking for Italian made ones, only slightly worn or, if lucky, ...
by kidsgone
Mon Aug 16, 2010 12:07 am
 
Forum: Personal Consumer Issues
Topic: Dress Shoes
Replies: 64
Views: 8833

appliances

Sam: we recently did a major kitchen renovation with all new appliances, and allow me to address your questions about picking 4 stainless steel appliances: -all of our research pointed us away from stainless steel; we have the cabinet panels on all appliances (except for stove and microwave) -we lik...
by kidsgone
Thu Jul 22, 2010 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kitchen Appliances
Replies: 56
Views: 10946

I don't post here too often but would like to comment on this subject. The $'s for college being saved and spent by the good folks on this board seem very high to me. What is wrong with scholarships: academic and athletic? How about miltary academy schools? What about ROTC? Isn't taking advantage of...
by kidsgone
Wed Jul 07, 2010 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much To Save For College?
Replies: 74
Views: 6061

home replacement costs

to answer your question about home building costs, best to call a few houston general contractors for single family homes and ask them what they charge, per sq ft, to tear down a damaged home, keep the slab, and then rebuild keeping in mind all current building codes. i have made calls like this. ha...
by kidsgone
Thu Jun 03, 2010 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners insurance increase.
Replies: 18
Views: 2407

Wedding

two things that may not have been mentioned in all the good responses that the wife and i did for our daughter's weddding: -bought wedding insurance...primarily due to liquor being served and liquor related claims are not covered under your HO's liability...this one day policy also covered other per...
by kidsgone
Mon May 10, 2010 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Wedding Advice
Replies: 100
Views: 10485

VBRO

Bigragu: wife and I rented from this organization only one time and that was recently in 11/2009 when we rented a flat in Rome, Italy, for 14 days. Turned out to be the best experience for us. The pictures on VBRO's web site were accurate with no false advertising. The owner was an executive with IB...
by kidsgone
Mon Mar 29, 2010 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Rental Property VRBO
Replies: 34
Views: 7768

Burglary protection

Don't think this was mentioned but never store valuable items in either your master bedroom or master bedroom closet. First place the burglars go looking for stuff. Why? usually no motion detectors in those rooms. In Scottsdale/Phx/Paradise Valley the famous "rock burglar" went into over 1...
by kidsgone
Tue Jan 26, 2010 1:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Security System worth it?
Replies: 72
Views: 13080

Life coach

Icetea: allow a new guy here to add a few comments...you mentioned in an earlier post that your MBA would cost you $150k for the 2 years. I assume this means for rm/brd/tuit/fees without adding on the loss of wages. I am somewhat familar with MBA programs and know that the top ~7 schools are in the ...
by kidsgone
Tue Jan 12, 2010 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: life coach?
Replies: 28
Views: 5239

Life coach

Icetea: allow a new guy here to add a few comments...you mentioned in an earlier post that your MBA would cost you $150k for the 2 years. I assume this means for rm/brd/tuit/fees without adding on the loss of wages. I am somewhat familar with MBA programs and know that the top ~7 schools are in the ...
by kidsgone
Tue Jan 12, 2010 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: life coach?
Replies: 28
Views: 5239

Rental car insurance

Agree with the orginal poster: my auto insurance covers all perils except for "loss of use" which could cost me thousands of dollars following an unforeseen accident. I always rent from Hertz, about 18 times/yr, and they do not sell stand alone "loss of use" coverage, but rather,...
by kidsgone
Sat Jan 02, 2010 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you purchase insurance from car rental companies?
Replies: 20
Views: 4087

Phoenix retirement

I don't live in such a retirement community but do live in the general area and am familiar with the Del Webb properties due to working with them for several years and having the opportunity to travel to all of their sites throughout the USA. When you list your positives, are you stating your observ...
by kidsgone
Tue Nov 03, 2009 1:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a second home in Arizona
Replies: 15
Views: 3383

New Orleans

Wife and I make a 3 day trip to NO each year and stay in the Quarter. Always a great time due to the jazz, shops on Royal, great restaurants, and just wandering throughout the Quarter. We enjoy the food and service of Mr. B's on Royaland Galitoires (sp) on Bourbon. I disagree re Commanders: we had a...
by kidsgone
Thu Sep 24, 2009 11:58 am
 
Forum: Personal Consumer Issues
Topic: New Orleans - Must see/do
Replies: 35
Views: 3286

New Orleans

Wife and I make a 3 day trip to NO each year and stay in the Quarter. Always a great time due to the jazz, shops on Royal, great restaurants, and just wandering throughout the Quarter. We enjoy the food and service of Mr. B's on Royaland Galitoires (sp) on Bourbon. I disagree re Commanders: we had a...
by kidsgone
Thu Sep 24, 2009 11:58 am
 
Forum: Personal Consumer Issues
Topic: New Orleans - Must see/do
Replies: 35
Views: 3286

Pay for college

Since I had no college savings accounts I tried to keep the costs to a minimum for our 2 kids. I encouraged both to attend miliatry schools due to quaility of education and zero costs but only the boy would follow this lead. As parents our costs were: one boy to West Point which has no room/board/tu...
by kidsgone
Wed May 13, 2009 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much do you plan to pay for your child's college?
Replies: 39
Views: 4738

solo 401k

I have been reading this fine web site for several weeks, but have never contributed due to having nothing to offer. However, with the 401k I can make a few comments. Yesterday, opened Van solo 401k accounts for wife and me. Since i live within a few miles of a large Vanguard office, we went on site...
by kidsgone
Fri Dec 05, 2008 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 54702

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