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Re: College costs, anyone else spit coffee on their monitor?

Recently I decided to check on the tuition at my old college (a private Jesuit college in NJ). When I attended from 1963 to 1967 tuition was $900 and there were no dorms. I lived at home with my widowed mother and walked there. Now tuition and fees top $30,000 a year. That is a real money saver liv...
by rec7
Fri May 17, 2013 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: College costs, anyone else spit coffee on their monitor?
Replies: 73
Views: 3642

Re: tax friendly states for retirees

Ever notice the tax free states many times have wilder weather. It is like tax free is the carrot to get you to move there.
by rec7
Wed May 15, 2013 6:08 am
 
Forum: Personal Finance (Not Investing)
Topic: tax friendly states for retirees
Replies: 88
Views: 4683

Re: Can I retire - single person version

16k In MA that is very good. That is one of the best budgets I have heard for MA. SS would cover a lot of your bills. I can hit 16k but I live in the midwest.
by rec7
Tue May 14, 2013 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire - single person version
Replies: 29
Views: 2236

Re: Help Understanding Cook County, IL Property Taxes

I am not from Chicago I was just was wondering is Evanston a good area? How does it compare to Park Ridge? Evanston is okay for now. Its is a mixed bag since Chicago trucked alot of its section 8's over to the southern parts of Evanston. Shootings, gang bangers and more. I'd buy close to Northweste...
by rec7
Tue May 14, 2013 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Help Understanding Cook County, IL Property Taxes
Replies: 8
Views: 552

Re: Help Understanding Cook County, IL Property Taxes

I am not from Chicago I was just was wondering is Evanston a good area? How does it compare to Park Ridge?
by rec7
Mon May 13, 2013 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Understanding Cook County, IL Property Taxes
Replies: 8
Views: 552

Re: tax friendly states for retirees

investor wrote:free even of State Taxes ?


The Fed's tax them but not the states as far as I know.
by rec7
Mon May 13, 2013 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: tax friendly states for retirees
Replies: 88
Views: 4683

Re: tax friendly states for retirees

Or a person could invest in all treasury notes they are tax free in all states as far as I know.
by rec7
Sun May 12, 2013 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: tax friendly states for retirees
Replies: 88
Views: 4683

Re: Mortgages for Retired Home Owners

It looks like you have about 90k in income you can prove. I think with that kind of income you might get a loan for 180k to 270k if you have no other debt. I am guessing you are going to need cash for most of the house price. I don't know if the bank will count a Required Minimum Dispersal. Even if ...
by rec7
Tue May 07, 2013 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages for Retired Home Owners
Replies: 12
Views: 1028

Re: Bank mailed me letter, $5 fee starts in June

At our local credit union for $5.01 that is all is takes to have a savings and checking account. It takes $5 in savings and checking is .01 There will be no fee's at this level. This is just a small example why I am a credit union fan they just seem to be better in every area.
by rec7
Thu May 02, 2013 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank mailed me letter, $5 fee starts in June
Replies: 122
Views: 6165

Re: Which brokerage account do you use to buy individual bon

As of Friday April 19th, there's a new option that might be considered a middle ground between holding individual bonds and a bond mutual fund. The iShares target-date bond ETFs are now available. These are similar in structure and concept to the Guggenheim Bulletshares, but with an expense ratio o...
by rec7
Mon Apr 22, 2013 10:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which brokerage account do you use to buy individual bonds?
Replies: 15
Views: 1107

Re: 63, retired; wife 23 non working, 4 yr. old son

BL wrote:
Usedmavin wrote: when my son reaches 18 and we lose his and his mother's SS benefits.

U.


I believe you lose mother's benefit when "child in care" turns 16.


If the kid is in school does that push the age up to 18?
by rec7
Sun Apr 21, 2013 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 63, retired; wife 23 non working, 4 yr. old son
Replies: 29
Views: 4528

Re: 63, retired; wife 23 non working, 4 yr. old son

We need all your numbers to give you the best answers Usedmavin. Don't be shy you are with a bunch of friends here. I love it here.
by rec7
Sat Apr 20, 2013 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 63, retired; wife 23 non working, 4 yr. old son
Replies: 29
Views: 4528

Re: Help w/ a $55M portfolio?

By the way what kind of things do you get for 700k a year? Your expenses are as interesting as your portfolio. If you started a thread on your expenses I think we could help on those too.
by rec7
Sat Apr 20, 2013 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ a $55M portfolio?
Replies: 51
Views: 6485

Re: Help w/ a $55M portfolio?

You are a very Blessed man. Your question is like my lotto investing ideas. With this kind of coin you don't have to take much risk if any. I thought about a simple three fund portfolio if I won the lotto. Something like Vanguard Short-Term Tax-Exempt Fund Admiral Shares Vanguard Total Stock Market ...
by rec7
Sat Apr 20, 2013 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ a $55M portfolio?
Replies: 51
Views: 6485

Re: 63, retired; wife 23 non working, 4 yr. old son

It sounds like you are doing good so far. Your son would be able to go to community college free with that income.(At least around here he would) What are your assets?
by rec7
Sat Apr 20, 2013 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: 63, retired; wife 23 non working, 4 yr. old son
Replies: 29
Views: 4528

Re: Financing a classic vehicle?

I think my local credit union would finance a classic vehicle they just say cars older than 9 years pay a higher Interest.
by rec7
Sat Apr 20, 2013 11:16 am
 
Forum: Personal Consumer Issues
Topic: Financing a classic vehicle?
Replies: 13
Views: 829

Re: Poll: How many $100 dinners out per year?

And I thought $25 for two was on the high side.
by rec7
Mon Apr 15, 2013 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Poll: How many $100 dinners out per year?
Replies: 152
Views: 8356

Re: Shredding docs at public places

I shred my stuff every few years at the credit union. I figure they are going to handle my stuff like their own.
by rec7
Mon Apr 08, 2013 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Shredding docs at public places
Replies: 18
Views: 1802

Re: How do big banks attract depositors

The money is on the business banking side. Services provided on the accounts of some corporations and government entities can bring in millions in fees from a single client. With the fractional banking system they need very little in reserves in order to borrow the money to loan from the Fed and as...
by rec7
Sat Apr 06, 2013 9:51 am
 
Forum: Investing - Theory, News & General
Topic: How do big banks attract depositors
Replies: 42
Views: 2959

Re: How do big banks attract depositors

Ubiquity and oligopoly. I remember my folks moving to an apartment in the city and trying to decide which bank to use. The block with their apartment had a bank on the corner, and another bank diagonally across from it... and, my mom said, "I said to your dad that on really cold day it would b...
by rec7
Fri Apr 05, 2013 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: How do big banks attract depositors
Replies: 42
Views: 2959

Re: How do big banks attract depositors

How do big banks attract depositors? Well I guess that was me before I found out about credit unions. I noticed that all the credit unions in our town pay better than BOA. Of course it took me several years to see that.
by rec7
Thu Apr 04, 2013 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: How do big banks attract depositors
Replies: 42
Views: 2959

Re: How much to replace a watch battery?

Abe wrote:Where I live Walmart will replace the battery free if you buy it from them.

Our Walmart use to do this but I guess they messed up some watches. They did several for us with no problems before this happened. Of course I don't show up with a Rolex.
by rec7
Sat Mar 30, 2013 6:09 pm
 
Forum: Personal Consumer Issues
Topic: How much to replace a watch battery?
Replies: 41
Views: 2197

Re: Department Store Credit Cards

I don't sign up for, use, accept or have anything to do with store credit cards. Just another avenue for ID theft, plus it adds bulk to my wallet. Whatever the special offer, I turn it down. I'm curious how that helps with reducing the risk of ID theft. It at most reduces the visibility of ID theft...
by rec7
Fri Mar 29, 2013 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Department Store Credit Cards
Replies: 29
Views: 1726

Re: Department Store Credit Cards

One more thing Munchkin Man if you want a good credit score use less than 10% of your credit line.
by rec7
Thu Mar 28, 2013 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Department Store Credit Cards
Replies: 29
Views: 1726

Re: How much to replace a watch battery?

gkaplan wrote:I have had this very inexpensive Casio watch for years, and I never have had to replace the battery.

Casio watch batteries can last a very long time I have had some go 12 years.
by rec7
Thu Mar 28, 2013 9:37 am
 
Forum: Personal Consumer Issues
Topic: How much to replace a watch battery?
Replies: 41
Views: 2197

Re: Department Store Credit Cards

I don't use Department Store Credit Cards because you need one in each store you go. I have two credit card and feel that is enough I think too many cards is a pain. At one time when I was younger I had ten cards and hated it. Not boosting but my score is great with just the two cards. I like only t...
by rec7
Wed Mar 27, 2013 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Department Store Credit Cards
Replies: 29
Views: 1726

Re: Penfed Credit Union

My wife is a Dept of Defense employee and we have access to the above Credit Union. In my research, their high yield savings accounts are at 1.6% with balances of $100,000. Does anyone have experience with this CU and is there any reason we shouldnt jump in with both feet? Please tell us more about...
by rec7
Wed Mar 27, 2013 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Penfed Credit Union
Replies: 24
Views: 1817

Re: Example of credit union dropping NCUA (federal) insuranc

Credit Union Members Beware: Your Credit Union May Drop Federal Deposit Insurance http://www.depositaccounts.com/blog/2009/09/credit-union-members-beware-your-credit.html For state-chartered credit unions, only nine states allow their credit unions to have ASI as their primary deposit insurance. The...
by rec7
Tue Mar 26, 2013 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Example of credit union dropping NCUA (federal) insurance
Replies: 15
Views: 1017

Re: Example of credit union dropping NCUA (federal) insuranc

Thanks for posting we should post every credit union that drops federal insurance. Here in MO just about all our credit unions are state chartered. That kind of makes you sleep with one eye open. That is wild they dropped the insurance but are a five star credit union. http://www.bankrate.com/rates/...
by rec7
Tue Mar 26, 2013 6:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Example of credit union dropping NCUA (federal) insurance
Replies: 15
Views: 1017

Re: Early retirement and planning for medical costs

Question if one person is over 64 and one person under is that still counted as 2 people in the family or just 1 on the Calculator?
Also do we count the income of the person that is over 64?
by rec7
Sat Mar 23, 2013 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement and planning for medical costs
Replies: 19
Views: 2527

Re: Home buying: Radon testing myths

Another good reason to keep my windows open as much as I can.
by rec7
Mon Mar 11, 2013 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home buying: Radon testing myths
Replies: 38
Views: 6225

Re: Ever watch American Greed on TV?

This is my favorite one http://www.cnbc.com/id/100000105
by rec7
Sun Mar 10, 2013 10:34 am
 
Forum: Personal Consumer Issues
Topic: Ever watch American Greed on TV?
Replies: 18
Views: 1854

Re: Fascinating 60 Minutes piece on Chinese Real Estate mark

That makes the US bubble seem tame. WOW
by rec7
Tue Mar 05, 2013 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Fascinating 60 Minutes piece on Chinese Real Estate market
Replies: 64
Views: 4982

Re: The Munchkin Man Diet

Munchkin Man I feel as if a long lost friend has returned God Bless You. I hope you stick around here for a long time. A while back we voted for our favorite Bogleheads poster I always vote for you. You brighten my days.
by rec7
Sat Mar 02, 2013 9:04 am
 
Forum: Local Chapters and Bogleheads Community
Topic: The Munchkin Man Diet
Replies: 120
Views: 9519

Re: NBR bought by CNBC

I was sorry to see Tom go he did a good job. He moved his family to FL for NBR. I thought that they should have kept him.
by rec7
Fri Mar 01, 2013 11:11 pm
 
Forum: Investing - Theory, News & General
Topic: NBR bought by CNBC
Replies: 35
Views: 3853

Re: College Financial Aid, Retirement, and Extra Home Paymen

They look strongly at income too. What kind of income does your family have? The good news is CA has some cheap community colleges.
by rec7
Wed Feb 27, 2013 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Financial Aid, Retirement, and Extra Home Payments
Replies: 5
Views: 495

Re: What's your favorite frugal thing(s) to do?

Read library religious books instead of buying them. Our library taxes are $77 dollars a year but I get a lot more than that saved each year by using the library.
by rec7
Sun Feb 24, 2013 4:08 pm
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 488
Views: 89088

Re: What is the best broker for buying secondary treasury bo

I have asked around Fidelity, Vanguard, and Schwab come up. It looks like Vanguard and Schwab have better yields. Schwab's cost is $1 per $1000 bond. They might be better for bonds under 40k over 40k looks like Vanguard is the best. I just comparing the cost right now Kevin. You are right CD's are w...
by rec7
Wed Feb 20, 2013 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best broker for buying secondary treasury bonds?
Replies: 5
Views: 286

What is the best broker for buying secondary treasury bonds?

What is the best broker for buying secondary treasury bonds?
by rec7
Wed Feb 20, 2013 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the best broker for buying secondary treasury bonds?
Replies: 5
Views: 286

Re: The most reliable 4-door sedan in 2013 is Camry?

I think the Camry is more plain jane than the Accord. But both are great cars. I am more of a plain jane guy so I like the Camry.
by rec7
Tue Feb 19, 2013 7:22 pm
 
Forum: Personal Consumer Issues
Topic: The most reliable 4-door sedan in 2013 is Camry?
Replies: 57
Views: 4461

Re: The most reliable 4-door sedan in 2013 is Camry?

It has been the best selling for many years. Both Honda and Toyota are very reliable in most of these surveys.
by rec7
Tue Feb 19, 2013 7:18 pm
 
Forum: Personal Consumer Issues
Topic: The most reliable 4-door sedan in 2013 is Camry?
Replies: 57
Views: 4461

Re: Which stock broker are you using and why?

What is the best broker for buying secondary treasury bonds?
by rec7
Tue Feb 19, 2013 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Which stock broker are you using and why?
Replies: 43
Views: 5181

Re: How do you find Mrs. Boglehead?

P.S. Ms. Indiana was great. Good education, job, nice person, and of course, gorgeous. Our relationship ended quickly when she told me she volunteered at an abortion clinic and I told her I was a conservative Irish Catholic. Not all-beauty queens' beauty is skin deep. Just too different politically...
by rec7
Mon Feb 18, 2013 11:25 am
 
Forum: Personal Consumer Issues
Topic: How do you find Mrs. Boglehead?
Replies: 138
Views: 9000

Re: How do you find Mrs. Boglehead?

I had suggested (strongly) to a colleague at work that he should take out his first dates to a nice restaurant that he has a 50% discount coupon for. Whip out the coupon when he pays the check and anyone who responds negatively is automatically out. Frankly, I would rather go to a restaurant with P...
by rec7
Sun Feb 17, 2013 1:41 pm
 
Forum: Personal Consumer Issues
Topic: How do you find Mrs. Boglehead?
Replies: 138
Views: 9000

Re: college tuition

Texas tuition is even better than Missouri.
by rec7
Tue Feb 12, 2013 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: college tuition
Replies: 15
Views: 778

Re: USAA Willing to do 6 month interest rate match

This is my email and their response last October when I inquired about higher rates: Reference Account: SAVINGS #XXXXXXXX I saw Ally is paying .95% on saving accounts and was wondering if USAA would competitively match this rate. Since I have been a USAA customer for 20+ years I thought I would ask...
by rec7
Sat Feb 09, 2013 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA Willing to do 6 month interest rate match
Replies: 36
Views: 2727
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