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Re: Does anyone know of a college FASFA expert?

FASFA aid is great but many colleges are around 20k and grants are about 5k so most people will still pay about 75% of the bill. If they are lucky and can get the aid. Income under 50k can help a lot for the family with the average kid.
by rec7
Fri Sep 19, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does anyone know of a college FASFA expert?
Replies: 10
Views: 530

Re: Home/Auto insurance: Amica or Travelers?

I switched to Amica. Years later, the bathroom in the master suite had to be rebuilt due to faulty construction by the builder. Amica stepped up to the plate and paid a large bill minus the deductible. They also found us an excellent contractor. wow.. How does that work??! how long after the constr...
by rec7
Fri Sep 19, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Home/Auto insurance: Amica or Travelers?
Replies: 22
Views: 1116

Re: Young Guy, Probably Not Going To Live A Long Time

I am in my late 20's, and have been told my medical professionals that I have a couple years to live max. When your doctor gives you only a couple of years to live, get a new doctor - or so was the advice from someone I know who has lived 20+ years after getting the word he had only had six months ...
by rec7
Mon Sep 15, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guy, Probably Not Going To Live A Long Time
Replies: 30
Views: 4251

Re: Young Guy, Probably Not Going To Live A Long Time

Well if it were me I would get right with God then help others. Alliant credit union has a good rate around .7 they tend to be pretty stable. They also have a great ACH to move money.
by rec7
Mon Sep 15, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guy, Probably Not Going To Live A Long Time
Replies: 30
Views: 4251

Re: Why do so many think their home is a foolproof investmen

Why do so many people believe that owning/buying a home is a surefire way to make money on it down the road? Robert Shiller found that between 1900-2000 the real return on home appreciation (residential real estate) was just 20 basis points. So basically there was no real return; home prices simply...
by rec7
Sat Sep 13, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6308

Could you sleep with all your money in Berkshire Hathaway?

Could you sleep with all your money in Berkshire Hathaway?
by rec7
Sat Sep 13, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Could you sleep with all your money in Berkshire Hathaway?
Replies: 42
Views: 2823

Re: What type of assets can a lawyer see that you have?

What assets can a lawyer see that you have? I know they can look up cars and houses what else can they see that you own? From personal experience - if there is a civil judgment against you (even if you are one of many), you can be compelled to turn over massive amounts of information and records on...
by rec7
Sat Sep 13, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: What type of assets can a lawyer see that you have?
Replies: 32
Views: 3984

Is it alright to give away an old printer or does it remembe

Is it alright to give away an old printer or does it have memory on it that remembers what you printed on it.
by rec7
Fri Sep 12, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it alright to give away an old printer or does it remembe
Replies: 3
Views: 868

Re: Neighborhood kid around 13 throwing rocks at my house

Thanks everybody you helped me cool my head and have given me some great ideas.
by rec7
Fri Sep 12, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3049

Re: Neighborhood kid around 13 throwing rocks at my house

Do you think I will get anywhere talking to the kid?
by rec7
Fri Sep 12, 2014 1:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3049

Re: Neighborhood kid around 13 throwing rocks at my house

Looking at this from a bird's eyes view, I don't see malice. He's just bored and throws rocks, not trying to hurt anyone. I could understand why you don't want him to do it anyways, maybe just tell his parents in a casual way. That true's the main thing I am worried about is my windows the rest of ...
by rec7
Fri Sep 12, 2014 1:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3049

Re: Neighborhood kid around 13 throwing rocks at my house

He walks though my yard twice a day but will not talk to me when I say hi. He just looks at the ground and keeps walking. I don't think I am dealing with a normal kid here. If he sees me out doing yard work. He will throw a rock or two when I come in. I assume by in, you mean in the house, so at le...
by rec7
Fri Sep 12, 2014 1:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3049

Re: Neighborhood kid around 13 throwing rocks at my house

All I know is that I used to live in a house that had a cat who was outdoors occasionally. If someone was randomly throwing rocks in to that house, that could seriously injure my cat. If your backyard is fenced, how can he get in? We have no fences but that does not matter much because he throws th...
by rec7
Fri Sep 12, 2014 1:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3049

Re: Neighborhood kid around 13 throwing rocks at my house

He walks though my yard twice a day but will not talk to me when I say hi. He just looks at the ground and keeps walking. I don't think I am dealing with a normal kid here. If he sees me out doing yard work. He will throw a rock or two when I come in.
by rec7
Fri Sep 12, 2014 1:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3049

Re: Neighborhood kid around 13 throwing rocks at my house

Are the rocks actually Hitting the house, and haven't caused damage because they just hit something that is hard to damage? Is there any reason for this kid to dislike you? (get off my lawn, whatever? I think you need to be sure this is the actual culprit, photographic evidence would be nice. (note...
by rec7
Fri Sep 12, 2014 12:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3049

Re: Neighborhood kid around 13 throwing rocks at my house

The last thing you need is a disgruntled neighbor around you. While you may have a lot arsenal, you do want to handle this as peacefully as you could. First, talk to the parents and see if the kid stops. Whatever avenues you can find that are peaceful, you should utilize. Once all avenues have been...
by rec7
Fri Sep 12, 2014 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3049

Re: Neighborhood kid around 13 throwing rocks at my house

I am going to try to talk to him tomorrow but I don't have high hopes in that working.
by rec7
Fri Sep 12, 2014 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3049

Neighborhood kid around 13 throwing rocks at my house

Neighborhood kid around 13 throwing rocks at my house. He has not caused damage yet. How do I handle this. I don't know the people that live in his house I tend to keep to myself. Sometimes he is under cover of trees and it is hard to see him. But I find the rocks in my driveway. I have said hi to h...
by rec7
Fri Sep 12, 2014 12:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3049

Re: Why COULDN'T we just retire on Social Security?

My parent retired on one social security which covered their day to day expenses. But they had a nice savings account for big items that would come up every once in a while like a roof or used car.
by rec7
Thu Sep 11, 2014 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 5955

What do you pay for comprehensive and collision on your auto

What do you pay for comprehensive and collision on your auto insurance? Please list you state also.
by rec7
Thu Sep 11, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you pay for comprehensive and collision on your auto
Replies: 7
Views: 817

Re: Calculated Spending: Cars

My general thought is to drive a car that you don't want or need comprehensive insurance. It's a simple test that takes into account income, assets, and risk tolerance. That is a good rule. I usually end up buying it for the first few years. But I do end up doing about 80% of your idea. How much do...
by rec7
Thu Sep 11, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2864

Re: What type of assets can a lawyer see that you have?

Thanks everybody I was just curious. Rec7: Why were you curious? If someone you know is considering hiding assets in an effort to avoid legal obligations, I would tell them not to do it. It is highly unlikely that the effort will be successful -- and the outcome likely will be much worse after the ...
by rec7
Wed Sep 10, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What type of assets can a lawyer see that you have?
Replies: 32
Views: 3984

Re: Will applying for a credit card cause house and car insu

I guess at 760 I don't have to worry about two inquiries. I applied for two of them.
by rec7
Wed Sep 10, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will applying for a credit card cause house and car insuranc
Replies: 5
Views: 321

Re: What type of assets can a lawyer see that you have?

Thanks everybody I was just curious.
by rec7
Wed Sep 10, 2014 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: What type of assets can a lawyer see that you have?
Replies: 32
Views: 3984

What type of assets can a lawyer see that you have?

What assets can a lawyer see that you have? I know they can look up cars and houses what else can they see that you own?
by rec7
Wed Sep 10, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What type of assets can a lawyer see that you have?
Replies: 32
Views: 3984

Re: Is My Car Insurance Plan Enough? - the Bogle way!

Your liability insurance should be at least equal to the amount of assets you own, otherwise you are just inviting the plaintiffs attorneys to take everything you worked for. I've never understood the connection made between liability and asset level - if you have $100,000 in liability insurance an...
by rec7
Wed Sep 10, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is My Car Insurance Plan Enough? - the Bogle way!
Replies: 18
Views: 1368

Will applying for a credit card cause house and car insuranc

Will applying for a credit card cause house and car insurance to go up?
by rec7
Wed Sep 10, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will applying for a credit card cause house and car insuranc
Replies: 5
Views: 321

Re: How much insurance do I need?

Reading one of the existing threads here made me realize that my coverage might be a bit low. I never thought insurance amounts would be so widely discussed. I just went with the cheapest one. I have the following coverage: Bodily Injury Liability $100,000/$300,000 Medical Payments $5,000 Property ...
by rec7
Tue Sep 09, 2014 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much insurance do I need?
Replies: 5
Views: 465

Re: Is My Car Insurance Plan Enough? - the Bogle way!

Looks like you need 200/200 in Liability. I have always heard you should insure up to your asset level. Property Damage Liability:25k per occurrence that might work in some parts of the country. When you pull up to a stop light in your neighborhood what do the cars around you cost? Look at several s...
by rec7
Tue Sep 09, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is My Car Insurance Plan Enough? - the Bogle way!
Replies: 18
Views: 1368

Re: If you won the lottery, does boglehead thinking still wo

If I win the lottery it is all CD's for me but they will be a pain to keep track of.
by rec7
Tue Sep 09, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: If you won the lottery, does boglehead thinking still work?
Replies: 39
Views: 2929

Re: Six-Figure Incomes—and Facing Financial Ruin [WSJ articl

The Chicago-area family making $400K per year spends $9,000 on car insurance??? Really? At $15K a year in car purchase expenses, they are clearly buying luxury cars, but the cost of insurance is rather extreme. DUI? Does sound high but I know a guy that spends $1500 a year for a plain jane sedan in...
by rec7
Sun Sep 07, 2014 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Six-Figure Incomes—and Facing Financial Ruin [WSJ article]
Replies: 59
Views: 9267

Re: A 'really good book' you did NOT enjoy

VictoriaF wrote:The Millionaire Next Door --
Frugality if fine, but the book promotes it at the expense of class, as in "classy."

Victoria


I loved The Millionaire Next Door but of course I am a super cheapskate.
by rec7
Sat Sep 06, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10680

Re: A 'really good book' you did NOT enjoy

6miths wrote:As far as financial books go, I really didn't get 'Your Money or Your Life' by Joe Dominguez and Vicki Robin. The updated version didn't do it for me either.


Me too but I loved The Millionaire Next Door.
by rec7
Sat Sep 06, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 10680

Re: Need good bank for 84y.o. ma who doesn't want online ban

Easy answer in Chicago http://www.alliantcreditunion.org/ 3 Branches in Chicago you can walk into If she lives in one of the Qualifying Communities: she can join for free if not then it would be $10 http://www.alliantcreditunion.org/membership/eligibility/ofa/ Qualifying Communities Arlington Height...
by rec7
Wed Sep 03, 2014 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need good bank for 84y.o. ma who doesn't want online banking
Replies: 16
Views: 920

Re: Did you reveal to your kids...your savings and salary

I think the answer to this is highly dependent on your financial status. Woe to the person that makes > $200,000 per year or has > $1 million net worth and lets other people find out. I've had: 1. Friends come out and ask me to borrow money based on their suspicion that I have some 2. Family member...
by rec7
Tue Sep 02, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 6812

Who has more organic food Costco or Sam's?

Who has more organic food Costco or Sam's?
by rec7
Tue Sep 02, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Who has more organic food Costco or Sam's?
Replies: 26
Views: 1393

Re: NFCU 1 year certificate (CD) 5% APY $5k max balance

Thank You for putting this up
by rec7
Tue Sep 02, 2014 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3301

Re: Can I give financial advice without being certified?

livesoft wrote:Sure you can give all the advice you want. I don't think you can charge for it or collect a fee though, but if you do, that might open you up to a lawsuit if one of the folks you give advice chooses to sue you. It does not mean they will win the lawsuit though.


+1 only for free
by rec7
Sat Aug 30, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I give financial advice without being certified?
Replies: 6
Views: 818

Re: Portfolio advice for Mom at 86 years

True and if you moved the taxable you could start with the highest ER ones.
Like Growth Fund of America A AGTHX (.70%) $15.8k
by rec7
Fri Aug 29, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for Mom at 86 years
Replies: 23
Views: 1826

Re: Protecting one's bank account from PayPal

Thanks. I have gone down the path of many here linking it to a savings account with very little in it. The only reason I have a bank tied to it is I sell a little bit also. I had a credit card hacked and I think it was tied to paypal but could not prove it. So after that I am very careful.
by rec7
Fri Aug 29, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 28
Views: 2538

Re: How long can a 1995 Chevrolet Beretta last?

deanbrew wrote:Longer than I would want to drive it.


You won't see them in the indy 500 no time soon.
by rec7
Fri Aug 29, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: How long can a 1995 Chevrolet Beretta last?
Replies: 10
Views: 817

Re: How long can a 1995 Chevrolet Beretta last?

In my experience, the early-mid 1990s were a good time for GM quality. I believe the 2.2 4-cyl (if that's what you have) is one of their better engines, though not the best. However, with a 19 year old car, anything can happen. I'd keep driving it until it blows up. I can't give you any mileage rep...
by rec7
Fri Aug 29, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: How long can a 1995 Chevrolet Beretta last?
Replies: 10
Views: 817

Re: Portfolio advice for Mom at 86 years

dand76 It might very slow to move the taxable if you don't want to tax her SS maybe only 8 or 9k a year in profit each year.
by rec7
Fri Aug 29, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for Mom at 86 years
Replies: 23
Views: 1826

Re: How long can a 1995 Chevrolet Beretta last?

That is good news. Looks like they can go farther than I thought. deanbrew I got a good laugh out of that one.
by rec7
Fri Aug 29, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: How long can a 1995 Chevrolet Beretta last?
Replies: 10
Views: 817

Re: Protecting one's bank account from PayPal

JPH wrote:I just unlinked my bank account from PayPal, and then I still was able to pay a bill using the credit card option.


Now I wonder if that would work if you sold something and were getting money.
by rec7
Fri Aug 29, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 28
Views: 2538

Re: Protecting one's bank account from PayPal

How do you protect your money from PayPal? I am concerned that any web interface that allows withdrawals from a bank account for the purpose of sending payments is a security risk. I have found that having a PayPal account is not optional, and that not having the account linked to a real bank accou...
by rec7
Thu Aug 28, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 28
Views: 2538

How long can a 1995 Chevrolet Beretta last?

Chevrolet used the same four cylinder engine and automatic transmission in the Beretta, Corsica and Cavalier. I thought I would ask others how many miles they have got out of their's? Mine has 130k on it.
by rec7
Thu Aug 28, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: How long can a 1995 Chevrolet Beretta last?
Replies: 10
Views: 817

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

No hard feelings on this YDNAL we just did not understand each other.
by rec7
Thu Aug 28, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 33
Views: 2446

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

YDNAL I think you mean well but I am not sure you understand the pro's and con's of a variable annuity and how they work. I am not trying to beat the system I am just trying to see if I can use a variable annuity to my advantage.
by rec7
Thu Aug 28, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 33
Views: 2446
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