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Re: Estate Planning Issues

Maybe she could give them $xxxx a month after she dies so if they spend spend spend it will take them many years to spend it.
by rec7
Thu Apr 17, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Issues
Replies: 12
Views: 971

Re: making your own will or trust

Can people just skip wills and trusts with POD's and TOD's?
by rec7
Wed Apr 16, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: making your own will or trust
Replies: 29
Views: 1624

Re: Anyone use Fidelity as their bank account?

I hate it beyond belief !!! I did it with Vanguard for years and stopped. I realized that if my checks were coming out of the brokerage account that any money there wsa potentially accessible to anybody who simply used the routing and account #s or even just printed checks. The money in the money m...
by rec7
Tue Apr 15, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 27
Views: 1748

Re: Favorite Investing Book?

Stop Acting Rich: And Start Living Like a Real Millionaire
by rec7
Tue Apr 15, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 42
Views: 3195

Re: Checking/Saving Account for Student

Check out a local credit union.
by rec7
Thu Apr 10, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checking/Saving Account for Student
Replies: 13
Views: 767

Re: B&M Bank: BoA or Wells Fargo?

I would stay away from the big banks and go with a local credit union. I am guessing there will be one close to your new area that you are moving to.
by rec7
Tue Apr 08, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: B&M Bank: BoA or Wells Fargo?
Replies: 25
Views: 1240

Re: What's a good credit score?

760+ is the top step
by rec7
Mon Apr 07, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: What's a good credit score?
Replies: 25
Views: 2041

Re: Death of co-worker

Not a co-worker but we had three neighbors pass away before age 62. Sometimes I wonder if people are living longer?????
by rec7
Mon Mar 31, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9278

Re: Problem With New VCR Tapes

But don't under estimate VCR Tapes I just watched The Bells of ST Mary's on a vcr tape from the library 99% of the tape played good and that tape was made in 1987. In fact when I go to the library if the movie is on DVD or VCR I pick the VCR version every time because it plays better the DVD's get a...
by rec7
Mon Mar 31, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 22
Views: 1731

Re: Problem With New VCR Tapes

I still use my VCR but find that the new tv's will not play the slow format(six hours long) but will play the quick one(two hours) ok. There is nothing wrong with the tapes because they work fine on old tv's.
by rec7
Mon Mar 31, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 22
Views: 1731

Re: 60 Minutes 3-30-14: Michael Lewis book "Flash Boys"

Just finished watching it. Sure gives a guy a new look at the market.
by rec7
Sun Mar 30, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: 60 Minutes 3-30-14: Michael Lewis book "Flash Boys"
Replies: 70
Views: 2506

Re: I Really Would Apprecviate Your Advice!

If I were you I would move to the midwest a person can live on $1400 if they are careful. 50k will buy a house in the midwest that leaves you 200k to invest how you want. The burn rate is much slower than AK.
by rec7
Thu Mar 27, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 2692

Re: those with basements

They are cooler in the summer but they can be very humid. So it will not feel that great down there. Cool in the winter to but I like them better in the winter because they are not humid in the winter.
by rec7
Wed Mar 26, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: those with basements
Replies: 17
Views: 1975

Re: We Don't want to die with Money

My husband and I have been seriously talking about how soon to retire. We are both 59. We have a 5 year CD ladder set up so we can use the money to live on for 5 years until we would start to use our retirement/investments. Like most of you, we have concentrated on being savers all our life and now...
by rec7
Wed Mar 26, 2014 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3749

Re: Current Carry Cost of my home

OP you might want to read this How Houses Eat Money http://online.wsj.com/news/articles/SB111852419690557157?mg=reno64-wsj&url=http%3A%2F%2Fonline.wsj.com%2Farticle%2FSB111852419690557157.html And keep in mind that he wrote this in the boom back in 05. That author said: "... I would net $4...
by rec7
Mon Mar 17, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Current Carry Cost of my home
Replies: 23
Views: 1489

Re: Current Carry Cost of my home

OP you might want to read this How Houses Eat Money
http://online.wsj.com/news/articles/SB1 ... 57157.html

And keep in mind that he wrote this in the boom back in 05.
by rec7
Mon Mar 17, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Current Carry Cost of my home
Replies: 23
Views: 1489

Re: Was frugality a mistake? The downsides of saving too mu

I think when a frugal person is very content women and other people just pass you by. People tend to like a go getter even if the content person has a fatter wallet. People think they can tell how thick your wallet is by meeting you and that is impossible.
by rec7
Sat Mar 15, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 8787

Re: Church sitting on some funds for a few years

Another one for credit unions they tend to pay more than banks.
by rec7
Thu Mar 13, 2014 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Church sitting on some funds for a few years
Replies: 17
Views: 1469

Re: Small Credit Union Seemingly Great Rates-Help!

Looks like it has NCUA http://sjpecu.org/ but you will need to check.
Check out that one lady worked for the credit union 55 years wow what a great record. I wish I could join that credit union but no go for this MO boy.
by rec7
Wed Mar 12, 2014 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small Credit Union Seemingly Great Rates-Help!
Replies: 5
Views: 773

Re: Does This Person Need Umbrella Ins Coverage?

BertB wrote:Couple, age 60.
Single income..$85k/yr
Renters, no house, no children, no dogs.
$1M savings

Umbrella insurance to protect the $1M?


I would guess yes. I have heard to insure up to your asset level. Now if they were broke with a lower income I would have another answer.
by rec7
Wed Mar 12, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 4406

Re: 10 year forecast for SP500

Can someone out there verify that I'm doing this forecast correctly? Current dividend yield = 2.01 (source: http://www.spdji.com/indices/equity/sp-500 ) 25 year dividend yield CAGR = 5.25 (source: http://www.econ.yale.edu/~shiller/data.htm 2013.12 = 34.99, 1988.12 = 9.73) P/E mean = 15.51 (source =...
by rec7
Wed Mar 12, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: 10 year forecast for SP500
Replies: 23
Views: 2190

Re: Tipping for a haircut at Great Clips

I cut my own, and I don't leave a tip either. Same here. What tipped me to start doing this was an experience at Great Clips. After waiting forever, it was finally my turn. The person with the sharp tools barked at me "What's your number?". I was stunned. Did I need a number to mark my tu...
by rec7
Sun Mar 09, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 3957

Re: Final advice

I think this will help you a lot viewtopic.php?f=2&t=119346
by rec7
Sun Mar 09, 2014 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Final advice
Replies: 24
Views: 2309

Re: Help Ascertaining Amount Needed to Retire upon?

There are many small and mid size towns in the Midwest you could live on the $1400 and not work. In states like KS, MO, TX
Of course you still would have to be wise with your spending.
by rec7
Mon Mar 03, 2014 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Ascertaining Amount Needed to Retire upon?
Replies: 12
Views: 1658

Re: Goodbye HAL

12 year old computer a great run. I am going to run mine as long as I can.
by rec7
Sat Mar 01, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Goodbye HAL
Replies: 35
Views: 2301

Re: Mobile Home Insurance

Just curious what did Mobile Home Insurance cost you? I am thinking about buying one.
by rec7
Fri Feb 28, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Mobile Home Insurance
Replies: 9
Views: 353

Re: Thinking about Amica Insurance

We have lived here about 25 years and the biggest hail I have seen is around marble size.
by rec7
Wed Feb 26, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking about Amica Insurance
Replies: 10
Views: 781

Thinking about Amica Insurance

A called Amica for a quote it was about $325 cheaper a year for a house and one car. But they have a 2% deductible of the houses value on wind and hail. So on my home I would have to pay for about 75% of the cost of a new roof. Right now I am with Allied and would pay about 16% of the cost of a new ...
by rec7
Wed Feb 26, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Thinking about Amica Insurance
Replies: 10
Views: 781

Re: New Toyota Sienna vs Used

One of my main hang ups with new is that I'm concerned that the gasoline engine will be obsolete in 10 years. Am I crazy? I feel like a major energy storage breakthrough is close. This is based on pure optimism in human ingenuity. If that comes true less people will be buying gas making gas cheaper...
by rec7
Tue Feb 25, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Toyota Sienna vs Used
Replies: 17
Views: 1253

Re: Wanting to know if this financial situation is feasible

Well here in MO which is not that different from OH. I would buy a 150k home. I could run the whole show on 50k a year easy. If I had 2.5M I would be careful with it so I would not have to go to work later on.
by rec7
Wed Feb 19, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Wanting to know if this financial situation is feasible
Replies: 73
Views: 4927

Re: Do you balance your checking account?

I have got lazy over the years and just look at the stores now. I see the amounts but do not add them up. I look at the stores to make sure it is a place I go to. But I do look at it every month.
by rec7
Sun Feb 16, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4899

Re: Asset protection strategy

Would a Vanguard Variable Annuity offer any protection? depends on the state remember its just sold through vanguard although they have some lower cost options, its still more expensive then investing in vanguard index funds outside an annuity you also have to consider that gains are now taxed as i...
by rec7
Sun Feb 16, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3039

Re: Asset protection strategy

Would a Vanguard Variable Annuity offer any protection?
by rec7
Sat Feb 15, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3039

In the long run which is better CDs or Fixed Index Annuities

I am think about doing something but want to see what others think first.
In the long run let say 15 years which has a better return CD's or FIXED INDEX ANNUITIES?
Here is the annuity http://www.immediateannuities.com/fixed ... -year.html
The CD pays 3%
by rec7
Sat Feb 15, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: In the long run which is better CDs or Fixed Index Annuities
Replies: 23
Views: 1402

Re: Experiences with Eli Lilly Credit Union for HSA?

An HSA with Eli Lilly Federal Credit Union looks great but take a look at the other savings rates. How long can the HSA rate last?
by rec7
Sat Feb 15, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Experiences with Eli Lilly Credit Union for HSA?
Replies: 53
Views: 3584

Re: Pet peeve: When people refer to this forum as "Bogglehea

"Boggleheads" The second g means they follow John B. twice as much. That's the way I look at it.
by rec7
Thu Feb 13, 2014 12:49 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Pet peeve: When people refer to this forum as "Boggleheads."
Replies: 36
Views: 2431

Re: Son moving to LA - neighborhood/town recommendations?

How about south el monte and Arcadia are they good areas? I am not from there but am looking to.
by rec7
Tue Feb 11, 2014 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Son moving to LA - neighborhood/town recommendations?
Replies: 43
Views: 3058

Re: omg, did I miss the buying opportunity in stocks?

VictoriaF wrote:
rec7 wrote:
William Million wrote:2.6% gain on Thursday/Friday. Maybe it wasn't even a correction.


That's nothing I am still crying about 2009.


With that much tears you must be under water.

Victoria


Just a figure of speech. I knew it was a great time to buy I just was not brave enough.
by rec7
Sat Feb 08, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: omg, did I miss the buying opportunity in stocks?
Replies: 54
Views: 6419

Re: omg, did I miss the buying opportunity in stocks?

William Million wrote:2.6% gain on Thursday/Friday. Maybe it wasn't even a correction.


That's nothing I am still crying about 2009.
by rec7
Sat Feb 08, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: omg, did I miss the buying opportunity in stocks?
Replies: 54
Views: 6419

Re: PenFed Loan Rates

I've read, (possibly here?) that auto loans can, at least in some instances, be safer than home loans because strategic default can be trickier. You can walk away from a home and rent. But many folks need a car to commute to work. While a house can get severely underwater, making strategic default ...
by rec7
Fri Feb 07, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Loan Rates
Replies: 3
Views: 428

Re: Receiving email when someone posts on my thread?

I just bookmark the page and look at it later.
by rec7
Fri Feb 07, 2014 12:30 pm
 
Forum: Forum Issues and Administration
Topic: Receiving email when someone posts on my thread?
Replies: 9
Views: 678

Can you buy to cheap of a house?

I was thinking about buy a cheap house (under 30k). I was wondering have any of you regretted buying to cheap of a home?
by rec7
Tue Feb 04, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Can you buy to cheap of a house?
Replies: 15
Views: 1360

Re: Buying the most expensive house you can afford

I guess half of the time this idea would work. But I am to much of a cheapskate to try it. I love super cheap homes and people have told me I can get in trouble buying to cheap to.
by rec7
Tue Feb 04, 2014 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying the most expensive house you can afford
Replies: 101
Views: 7561

Re: Transferring large amounts

Will Vanguard let you do $250K transfers?
by rec7
Sat Feb 01, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transferring large amounts
Replies: 18
Views: 1161

Re: Is it bad to have Many Bank Accounts?

So, some of the downsides from this thread: Security risks Risk of mistakes Time spent Complication vs simplicity Hassle after your death Credit score drop, if pulled Becoming a "devil customer" Companies may share data on bad customers, so closing account may not help. Good points lazyda...
by rec7
Wed Jan 29, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Is it bad to have Many Bank Accounts?
Replies: 41
Views: 3325

Re: Is it bad to have Many Bank Accounts?

I think it is ok while you are alive but might be a pain if a person passes away.
by rec7
Tue Jan 28, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Is it bad to have Many Bank Accounts?
Replies: 41
Views: 3325

Re: Which of these two funds would you buy? And why?

The index fund has the advantage that it will generate lower capital gains. However, you aren't likely to pay tax on those capital gains even if you move up to the 10% or 15% tax bracket in a later year; long-term gains are taxed at 0% in those brackets. But check your state taxes. Most states tax ...
by rec7
Sun Jan 26, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Which of these two funds would you buy? And why?
Replies: 12
Views: 1197

Re: Which of these two funds would you buy? And why?

The index fund has the advantage that it will generate lower capital gains. However, you aren't likely to pay tax on those capital gains even if you move up to the 10% or 15% tax bracket in a later year; long-term gains are taxed at 0% in those brackets. But check your state taxes. Most states tax ...
by rec7
Sun Jan 26, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Which of these two funds would you buy? And why?
Replies: 12
Views: 1197

Re: Which of these two funds would you buy? And why?

The index fund has the advantage that it will generate lower capital gains. However, you aren't likely to pay tax on those capital gains even if you move up to the 10% or 15% tax bracket in a later year; long-term gains are taxed at 0% in those brackets. But check your state taxes. Most states tax ...
by rec7
Sun Jan 26, 2014 1:48 am
 
Forum: Investing - Theory, News & General
Topic: Which of these two funds would you buy? And why?
Replies: 12
Views: 1197
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