Search found 813 matches

by teacher
Tue Jul 07, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1971

Re: Amish furniture maker recommendation

That explains why the pieces seem identical. Maybe they just go through a broker as you indicated DTSC. I have no doubt the furniture is actually made by the Amish. I would love to visit their factory. Their outfit is in OH, just over two hours from my sister in PA. That's a little more than going f...
by teacher
Tue Jul 07, 2015 9:01 am
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1971

Re: Amish furniture maker recommendation

Yesterday afternoon, stain samples I had ordered from "Online Amish Furniture" came in the mail, and one matches our new cabinets perfectly. Last night, I checked out all of the Amish furniture company suggestions on this thread. Some have identical tables and chairs which makes me think t...
by teacher
Mon Jul 06, 2015 4:30 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1971

Re: Amish furniture maker recommendation

Very helpful, cadreamer. That gives me a ballpark of what to expect in cost.

I love living in California, and in spite of all it's warts, I have decided to stay put for the duration. I hope your dream comes true.
by teacher
Mon Jul 06, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 71
Views: 6981

Re: Vanguard's Security image going away?

I clicked on what appeared to be login link for Vanguard, and noticed there was no security image so I backed out and typed in vanguard.com instead. Not sure if that was necessary, but I like the image because it seems to identify whether the site is indeed, Vanguard.
by teacher
Mon Jul 06, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1971

Re: Amish furniture maker recommendation

Thanks, cadreamer. "Amish Tables" has the table and chairs I have found on "Amish Furniture Online". I'll compare prices. Since your screen name is cadreamer, does that elude to "California Dreamer"? If so, was the shipping cost to California crazy money? I really appre...
by teacher
Mon Jul 06, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1971

Re: Amish furniture maker recommendation

This week I will call "Center of the World" mentioned by GlobalViewer, "Homestead Furniture" mentioned by Ketewa and "Gish's" mentioned by canderson. If these, or "Online Amish Furniture" mentioned by DTSC don't pan out, I will try to visit an outlet next time...
by teacher
Sun Jul 05, 2015 11:11 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1971

Re: Amish furniture maker recommendation

Thanks, Ketawa. Just checked and Homestead Furniture has 36" tables. I will look into that company as well. Much appreciated.
by teacher
Sun Jul 05, 2015 10:29 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1971

Re: Amish furniture maker recommendation

DTSC wrote: We bought a bedroom set from this company 12 years ago. It was the largest purchase I ever made without looking at the product in a showroom but we were not disappointed. The prices are fair. The quality is much higher than what you'd get at a chain furniture retailer for the same price....
by teacher
Sun Jul 05, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 1971

Amish furniture maker recommendation

We need a small, round, cherry-wood dining table (36"–38") and four chairs to match our new cherry kitchen cabinets. They will need to fit in a 7'6" square area. After an extensive search in brick-and-mortar stores and online, I have come to the conclusion our best bet is to order onl...
by teacher
Sun Jul 05, 2015 10:22 am
Forum: Personal Consumer Issues
Topic: MacBook Air - power issues
Replies: 16
Views: 2116

Re: MacBook Air - power issues

Mudpuppy wrote:
Since Apple Care is essentially an extended warranty, it would not fall under the same provision.


Thanks, Mudpuppy. You saved me a birdwalk to nowhere.
by teacher
Sat Jul 04, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Elder planning
Replies: 6
Views: 925

Re: Elder planning

It's a personal preference, so if you haven't already, you might want to talk to your mom about what her preference is. How about in-home care, or a Golden-Girls arrangement instead of a nursing home? We plan to avoid a nursing home at all costs after having seen three of them when my mom was in two...
by teacher
Sat Jul 04, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 48
Views: 4845

Re: can you recommend comfortable walking shoes?

Merrell shoes got me through three days at Disneyland. Our contractor told me about them just before our trip. So, I bought a pair at the outlet store hoping they would work for me. I could walk the two parks from dawn to dark and stand in line for hours just like everyone else. My family was amazed...
by teacher
Sat Jul 04, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: MacBook Air - power issues
Replies: 16
Views: 2116

Re: MacBook Air - power issues

SteveM said:'
Or bought it with a credit card that doubles the warranty.


Which credit cards double the Apple Care warranty?
by teacher
Fri Jun 19, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover Utah ESP to Vanguard 529 Plan?
Replies: 3
Views: 526

Re: Rollover Utah ESP to Vanguard 529 Plan?

I was searching for pros and cons for 529 plans, and alternative ideas for college savings and found this orphan post. So Bump!
by teacher
Sun May 17, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: The upside of living longer
Replies: 11
Views: 2433

Re: The upside of living longer

I was playing around with Fidelity's Minimum Required Distribution Calculator a while back to see what our projected account balances would be each year after RMDs if we made no additional withdrawals. I was shocked to find the portfolio will grow until age 98, then it will shrink to 9.7% of the ori...
by teacher
Wed Apr 29, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Help Choosing Survivor Pension Option (50% vs 100%)
Replies: 25
Views: 2043

Re: Help Choosing Survivor Pension Option (50% vs 100%)

I choose 100% for DH purely on emotional basis. My thinking was, if I pass before him, the last thing I want is for him to have to deal with reduced guaranteed income, even though the portfolio would easily make up the difference.
by teacher
Thu Apr 16, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5946

Re: Rental Property Pros/Cons

SkierScott wrote: Hey Teacher, just curious what you ended up doing? Funny you should ask today. A couple hours ago, I signed the papers to sell. It was on the market seven days. Many were interested in the property, there was a very active open house, and my agent expected multiple listings. Since ...
by teacher
Sat Feb 07, 2015 9:46 am
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 79
Views: 7645

Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

randomguy wrote: I am curious were the tax brackets adjusted for inflation? I don't see how you turn 250k into 8 million without assuming high return (10% nominal is possible. 10% real is really optimistic) and long time period (35+ years). In 35 years at 3% inflation (historical normal) you are tal...
by teacher
Tue Feb 03, 2015 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Questions about Pension and Retirement Investing
Replies: 6
Views: 1072

Re: Questions about Pension and Retirement Investing

When do you plan to retire? Most here plan for a 30 year retirement. We did not consider my defined pension during our accumulation years because we were not sure what we would need during retirement. We saved as much as we could, living a frugal lifestyle with no debt, an emergency fund and with fi...
by teacher
Fri Jan 23, 2015 12:04 pm
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 79
Views: 7645

Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

To access the article in a backdoor kind of way, go to:
http://www.bullfax.com/?q=node-survivin ... retirement

Then go to the right top corner and click where it says, "Original article".
by teacher
Mon Jan 19, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 4659

Re: A quick poll--pension annuity vs. lump sum

BigJohn wrote: Bill M, no argument with the point that many aspects of this are a risk management decision but I don't think it's as simple as saying the annuity is the lower risk option. If your annuity does not have a COLA then you can't ignore the risk of inflation that comes with that choice. I ...
by teacher
Fri Jan 16, 2015 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: How do I retire?
Replies: 53
Views: 5343

Re: How do I retire?

With $5.2 million in assets at Vanguard, you qualify for Flagship Status and are allowed a personal representative, a Certified Financial Planner professional for "guidance on particular financial issues as they arise" , and "A Vanguard Financial Plan for long-range planning by a CFP ...
by teacher
Fri Jan 16, 2015 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 4659

Re: A quick poll--pension annuity vs. lump sum

My pension and DH's Social Security meet our basic expenses at the moment. DH had a choice of a pension or a lump sum. He chose the later and invested all of it in a Stable Value fund. SV replaces the bonds allocation in our portfolio. We want the option of passing on an inheritance to our heirs. Bu...
by teacher
Fri Jan 09, 2015 10:14 am
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 23089

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

Look how much this contest has grown since it's inception with another day to go: 2014–503 (14 experts) 2013–433 (11 experts) 2012–410 (14 experts) 2011–369 (6 experts) 2010–282 (10 experts) 2009–64 (15 experts) 2008–297 (13 experts) 2007–309 (12 experts) 2006–274 (12 experts) 2005–270 (10 experts) ...
by teacher
Fri Jan 02, 2015 5:45 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5946

Re: Rental Property Pros/Cons

If the return is only 3% on a rental property with no mortgage and with a positive cash flow of approximately $500 a month, and considering 1-2% for maintenance/repairs on approximately $200,000 value, in what scenario would a rental be a positive, preferred asset? How would it have to pencil out to...
by teacher
Thu Jan 01, 2015 2:58 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 23089

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2233.0
fingers crossed
by teacher
Wed Dec 31, 2014 12:44 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5946

Re: Rental Property Pros/Cons

ILike Jack asked: You received an inheritance. It happened to be a house. If it happened to have been cash instead, would you now be looking to invest that cash in a rental property? Actually, I will need to pay one of my siblings cash for his third of the property inheritance. That could amount to ...
by teacher
Tue Dec 30, 2014 4:39 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5946

Re: Rental Property Pros/Cons

I have read one should save between 1% to 2% of the value of rental property for repairs, annually. If that's a good rule of thumb, that would require setting aside $166 – $333 monthly. That plus the other expenses I mentioned leaves maybe $523 – $690 positive cash flow if we could rent it for $1,20...
by teacher
Tue Dec 30, 2014 2:20 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5946

Re: Rental Property Pros/Cons

I did not make it clear, that is $1,200 a MONTH, not a year. Does that change your opinion? This year, property tax is $115 monthly, and property insurance is $40 a month. Both will go up next year. I think we would have to pay garbage and sewer which is $35 a month now. I don't know what a property...
by teacher
Tue Dec 30, 2014 12:22 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5946

Re: Rental Property Pros/Cons

Easily Confused asked: How much is the house worth? How much rent can you get for a similar property in your area? Without knowing those numbers it's hard to give specific advice. The house is small, less than 1,000 square feet on a zero lot line. It has two bedrooms, two baths, a great room with a ...
by teacher
Tue Dec 30, 2014 12:40 am
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2612

Re: 'time in' the market vs 'timing' the market

Thank you all for responding to a well worn topic. I gleaned a better perspective from your eclectic viewpoints, and I will share them with my son who will make the ultimate decision. The more input, the better educated his decision will be. Midareff makes a good point; "A large part of investi...
by teacher
Mon Dec 29, 2014 11:26 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5946

Re: Rental Property Pros/Cons

That would have applied when we had our rental in the '90s, but not any more, Watty. We never considered that risk decades ago, and should have.
by teacher
Mon Dec 29, 2014 10:48 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5946

Re: Rental Property Pros/Cons

Your comments lead me to realize I have some homework to do before taking on the task of owning a rental again. I assumed having a property manager would be insurance against what we experienced the last time, but now I think maybe not. Next step is to find out what specific services they provide. T...
by teacher
Mon Dec 29, 2014 3:47 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5946

Re: Rental Property Pros/Cons

Pause for thought, Jack. I suppose I should look into exactly what a property manager does. I suppose it varies, depending on who you hire.
by teacher
Mon Dec 29, 2014 3:18 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5946

Re: Rental Property Pros/Cons

Thanks for your comment, Timboktoo Our house is paid off and we have "enough" invested along with a pension. We have owned a rental before, and after costly, difficult experiences, we know for sure that if we kept this house as a rental, we would hire a property manager. The positive cash ...
by teacher
Mon Dec 29, 2014 2:45 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5946

Rental Property Pros/Cons

I certainly do not agree with the premise that owning rental properties is a substitute for contributions to a 401k, but aside from the obvious horrors of managing rentals if you choose not to hire a property manager, and the costs for upkeep, what do you think about the underlined bit of the follow...
by teacher
Sat Dec 27, 2014 1:51 pm
Forum: Personal Consumer Issues
Topic: Is a Feit LED bulb safe in enclosed area?
Replies: 11
Views: 1335

Re: Is a Feit LED bulb safe in enclosed area?

Thanks everyone. There are some good leads here. I will pass this on to DH who is looking for a solution.
by teacher
Fri Dec 26, 2014 5:06 pm
Forum: Personal Consumer Issues
Topic: Is a Feit LED bulb safe in enclosed area?
Replies: 11
Views: 1335

Re: Is a Feit LED bulb safe in enclosed area?

Thanks, everyone. One issue we just realized after reading comments on the link I provided is the Feit LED bulb would be too dim to navigate. Back to the drawing board. :?
by teacher
Fri Dec 26, 2014 4:25 pm
Forum: Personal Consumer Issues
Topic: Is a Feit LED bulb safe in enclosed area?
Replies: 11
Views: 1335

Is a Feit LED bulb safe in enclosed area?

We recently had a Panasonic Whisper Quiet bathroom fan with a 4 watt night light, with a candelabra base installed. We have been trying to find a red incandescent replacement bulb to help a sleep deprived family member, without much success. We found a Feit LED bulb that is red with a candelabra bas...
by teacher
Fri Dec 26, 2014 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2612

Re: 'time in' the market vs 'timing' the market

Thanks, Miriam
Today is his birthday. "If You Can, How Millennials Can Get Rich Slowly." sounds like a good gift this year.

The Callan Periodic Table is a good idea, heyyou. Your post gives me useful background information when talking to him about his decision.
by teacher
Fri Dec 26, 2014 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2612

Re: 'time in' the market vs 'timing' the market

Toons
I added this to the options:
OR....
• Invest in a Target Date fund, or entirely in a fixed fund i.e. Treasury bond (TIPS), rather than entirely in an equity fund.
by teacher
Fri Dec 26, 2014 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: butterflies investing $500K
Replies: 28
Views: 3898

Re: butterflies investing $500K

Very sound advice Laura. Most helpful as I talk to my son about whether he should get into the market at it's peak in history.
by teacher
Fri Dec 26, 2014 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2612

Re: 'time in' the market vs 'timing' the market

fposte wrote: • If you are reluctant to get in when the market is highest it has ever been in history, you may need to watch how the market fluctuates for months, or even a year before jumping in. I'm not seeing the benefit of this--it just seems like painting risk aversion as study. I agree, but th...
by teacher
Fri Dec 26, 2014 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2612

Re: 'time in' the market vs 'timing' the market

nedsaid wrote: Please don't waste your son's time on "stock market simulations", "imaginary investments", "shadow portfolios" or any such nonsense. The lessons about investing and the markets have to be learned with real money. The imaginary stuff is like playing Monopo...
by teacher
Fri Dec 26, 2014 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2612

Re: 'time in' the market vs 'timing' the market

From our discussion on this thread, I have lifted perspectives as it applies to my son, and here's what I have to offer him so far: (I will wait a bit in case any more gems are posted.) Here are some thoughts about best time to invest your funds: • If you are reluctant to get in when the market is h...
by teacher
Fri Dec 26, 2014 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2612

Re: 'time in' the market vs 'timing' the market

Hi Lafder My son hopes to move closer to work in 2015, but his only debt is the mortgage. The gift was earmarked for retirement, but of course he may use it as he sees fit. His investing literacy is rudimentary, but he is asking salient questions. My biggest fear is someone will sell him a "sur...
by teacher
Fri Dec 26, 2014 11:24 am
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2612

Re: 'time in' the market vs 'timing' the market

Is it fair to say, if the market tanks soon after investing, one does not actually lose the funds if held long-term? It just means the shares were expensive when purchased, and in time, the cost-per-share will most likely return to paid cost-per-share in a TSM index fund?

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