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Re: Is "sheltering" my GF financially hurting our future?

A grownup w/o a CC is kind of unusual; she may have bad credit that she has not told you about.
by windaar
Mon Apr 14, 2014 6:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Is "sheltering" my GF financially hurting our future?
Replies: 14
Views: 2206

Best way to cancel credit card

My wife and I have some stale CCs that we do not use for various reasons. Can we just call the 800 number to cancel or should we do this by mail. I dimly remember advice from somewhere saying that one way was better than the other for a technical reason. Thanks!
by windaar
Sun Mar 30, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to cancel credit card
Replies: 14
Views: 1530

Re: Merrill Lynch

Imagine going into a Toyota dealership and asking for advice on what kind of car to buy. They will of course only recommend their products and the highest-priced ones that they can get you to buy. There is nothing wrong with this; it's business. But the customer has to have his eyes open. Same with ...
by windaar
Thu Mar 13, 2014 7:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch
Replies: 19
Views: 1690

Re: Questions for dads financial adviser

He did offer to reduce his fees from 1-1.25% down to 0.5%, and to change the funds around to low cost funds. Funny - Probably akin to the car dealer lowering his price and then making up for that by giving you less for your trade-in, or bumping up your loan rate. I doubt that this "adviser&quo...
by windaar
Sun Mar 09, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for dads financial adviser
Replies: 14
Views: 1048

Re: Tipping for take out

If you tip your bartender for handing you a beer, you should tip the folks at the restaurant for packaging your take-out meal.
by windaar
Thu Mar 06, 2014 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 4549

Re: Questions for dads financial adviser

His adviser at one of the companies wants to speak to me about his approach to investing and why he invests this way. I'd skip the meeting; why waste a couple hours of your life for nothing? VG can take care of everything for your Dad. I did this with inherited funds at Merrill Lynch and the ML &qu...
by windaar
Wed Mar 05, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Questions for dads financial adviser
Replies: 14
Views: 1048

Re: Helping an irresponsible dad preserve a financial windfa

I want to echo some fatalistic comments above. I was the executor of my parents' estate and was concerned about a sibling who had zero financial sense or responsibility. We each got just under 1M. I still have all of mine and then some. Theirs is long gone after less than a decade. There was nothing...
by windaar
Mon Mar 03, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping an irresponsible dad preserve a financial windfall
Replies: 29
Views: 2400

Snow Removal Service Surcharge?

Every season I can choose to pay my snow removal service by the "push" or by the season, that is all the contract says. I always pay for the season. Now they've sent me an invoice for a surcharge due to the heavy snow this winter. I realize that they have been doing a lot of work, but 2 wi...
by windaar
Thu Feb 27, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Snow Removal Service Surcharge?
Replies: 5
Views: 385

Re: Roku - Does everything cost $$?

Look up PLEX. A little tricky to set up but there is a Roku channel for it and it allows you to stream material from your PC directly to your Roku; they have channels with A&E, History Channel, HGTV, etc. that do not give streaming access to those shows but do have dozens of old shows that you c...
by windaar
Tue Feb 25, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Roku - Does everything cost $$?
Replies: 22
Views: 2698

Re: Dental x- ray [Insurance coverage]

Since my teeth are "stable" (no cavities for decades) my dentist does the bite wings only every 2 or 3 years. From all I have ever heard (close relative was a dentist) X-rays 2X/year is revenue stream only, not responsible dentistry.
by windaar
Sat Feb 22, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dental x- ray [Insurance coverage]
Replies: 49
Views: 2202

Re: Skip IRA for 1 year to buy engagement ring

I don't think that being a Boglehead means scrimping on every single thing during your lifetime. We work for money and some of that money is meant to be spent as we like. It took 7K for me to get the kind of ring that was best for my wife. 10 years later, it was still the best purchase I have made. ...
by windaar
Fri Feb 21, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 152
Views: 7206

Re: replace indiv. bonds w/ bond index fund?

Thanks for the responses - Laura thanks for the excellent advice; I don't know how I could have overlooked this option.
by windaar
Sun Feb 09, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: replace indiv. bonds w/ bond index fund?
Replies: 6
Views: 487

Re: replace indiv. bonds w/ bond index fund?

If by ER you mean expense ratio, how can an individual stock have an ER? Sorry for sloppiness, there are many small stock funds mixed with indiv stocks. What type bonds (corporate or treasury; AAA or lower)? How soon will they mature? Costs of selling (bid-ask spreads, etc.)? A big mix of mostly co...
by windaar
Sun Feb 09, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: replace indiv. bonds w/ bond index fund?
Replies: 6
Views: 487

replace indiv. bonds w/ bond index fund?

I'm helping a relative with a retirement account recently transferred to VG. There are tons of indiv. stocks with high ERs that I recommend he swap for total stock idx. On the bonds (we're talking dozens) I'm not sure if he should ride them out and slowly buy into the total bond idx or just swap it ...
by windaar
Sun Feb 09, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: replace indiv. bonds w/ bond index fund?
Replies: 6
Views: 487

Re: college related advice for 11th grader

We are aiming for the best highly selective school he can get into. There may be a better way of approaching college admissions. Start with questions about "fit" (Region, Size, Setting, Culture, Strengths, Cost). These variables are more important than "rankings' that are methodologi...
by windaar
Wed Jan 15, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 105
Views: 5461

Re: Sacrificing career for family

Counting the hours till 5pm. Counting the years to retirement. And here I am. One of the biggest lessons I learned from my dad was when he voluntarily took a 50% cut in pay to relocate from a professional position to academia and finish the 2nd half of his life doing something he loved and was good...
by windaar
Wed Jan 15, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Sacrificing career for family
Replies: 40
Views: 4410

Re: Heating/Air conditioning/ "Set back" thermostat strategy

We tried "thermostat setback" with a programmable thermostat for dropping house temp while at work and at night but that resulted in our furniture (especially leather) and even beds being too cold, and then the furnace would run non-stop for hours which was annoying. We just leave the ther...
by windaar
Mon Dec 23, 2013 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Heating/Air conditioning/ "Set back" thermostat strategy?
Replies: 54
Views: 3450

Re: Checklist for the Arrival of a Baby

Buy a bunch of paper plates & cups and plastic dining ware, and stop having to do the dishes for a month or two. This really helps when you are both low on sleep and time.
by windaar
Thu Dec 19, 2013 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checklist for the Arrival of a Baby
Replies: 22
Views: 1698

Re: Converting to Safety Razors

I switched to DE about 4 years ago. What works best for me is a 1960s Gillette (eBay). I found the best blade by going through a sample pack from Amazon. It is fun to experiment with creams and after shaves. If you want a tube start with Proraso. Technique is as important as tools - learning your be...
by windaar
Thu Nov 21, 2013 7:53 am
 
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 50
Views: 3783

Re: Best Sofa with Young Children

The IKEA Black leather couches are well-built with thick leather and reasonably-priced. Some have unattachable cushions - great for keeping them from being kicked-off all the time.
by windaar
Wed Oct 23, 2013 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Best Sofa with Young Children
Replies: 38
Views: 1992

Re: Attic Sealing & Insulation...

I've seen this resolved with a good window unit on the top floor and a door installed at the top of the stairs that seals close to the floor. Downstairs thermostat can be set higher than before. This may be the most cost-efficient.
by windaar
Tue Sep 03, 2013 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Attic Sealing & Insulation...
Replies: 40
Views: 2968

Re: Carpenter Ants Anyone?

Use the Terro; it is just a sweetened boric acid solution. Put it wherever the ants seem to be coming in or are most numerous, along the wall or in corners. Ants will increase, DO NOT kill them, just let them keep lapping it up. They bring the residue back to the nest to kill it. We had some weird s...
by windaar
Wed Aug 28, 2013 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Carpenter Ants Anyone?
Replies: 39
Views: 3078

Re: How do you "rent" movies?

I don't understand what you are saying - that a Roku w/ Netflix/Amazon Prime does not work because of the above? I do not know anyone who cannot use these services. Do you know someone outside the US who is using them? Aha - I hadn't caught that the earlier poster was outside of the U.S. It is true...
by windaar
Wed Aug 28, 2013 4:11 pm
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 5555

Re: How do you "rent" movies?

If you have internet access, then you can use a streaming device such as Roku to watch movies with Netflix or rent them on Amazon Streaming Video. I'm pretty sure all the major Internet streaming services have geographically limited service areas. They do a lookup on your IP address to enforce thes...
by windaar
Wed Aug 28, 2013 12:24 pm
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 5555

Re: Watch experts - I need some advice

The TAG has an ETA 7750 movement which is a really fine one and wholesales for about $500 alone. The Tag model in the original post has a quartz movement. Mea Culpa; don't know how I botched that. I'd still recommend the TAG though based on the OP's wife's wish. An expensive watch does not make fin...
by windaar
Sun Aug 25, 2013 12:06 am
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1089

Re: Watch experts - I need some advice

Deleting comment - was mistaken about model.
by windaar
Sat Aug 24, 2013 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1089

Re: Grocery shopping price comparison (Costco vs BJs vs Sams

Between Costco, BJs, Sams, Walmart and Aldi what tends to have the lowest prices? William Poundstone's 2010 book Priceless makes the point that bulk deals in the warehouse clubs are not always deals. Part of the way that this can be hidden is, as he puts it, "not many shoppers know what a six-...
by windaar
Fri Aug 23, 2013 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Grocery shopping price comparison (Costco vs BJs vs Sams...)
Replies: 35
Views: 4749

Re: Door to door annoyances--easy way to stop?

Maybe get the local laws changed. Our city requires all commercial solicitors to get a permit. A huckster without one will get the police called on him pretty quickly. The law does not apply to political or religious groups, but it really does limit the door-to-door salesmen. I think that with such ...
by windaar
Tue Aug 20, 2013 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Door to door annoyances--easy way to stop?
Replies: 60
Views: 4022

Re: Why aren't Car dealers prepared to deal?

All this talk about not being able to negotiate online is incorrect. I realize many folks here are older, but it's 2013. There is an internet sales manager at nearly every dealer! They waste little time getting to the point because they know you are an informed consumer. Make them counter against c...
by windaar
Tue Aug 13, 2013 8:03 am
 
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 8677

Re: Install In-Ground Sprinklers?

I have one. I got 11 4-sprinkler Rainbird stations for about 4K so check other estimates for your area. What I like about the in-ground sprinklers is that you can water with great efficiency - early morning with no wind or sun evaporating away the water, no over-watering, avoid sidewalks by design, ...
by windaar
Mon Aug 12, 2013 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Install In-Ground Sprinklers?
Replies: 39
Views: 2833

Simple, High Quality Dishwasher?

I am looking for a new dishwasher. Consumer magazines and sites push models with many features and adjustments. The problem is that I only ever use the "regular wash" setting with heated dry. Furthermore, I find racks with specialized niches and adjustable settings to be problematic; they ...
by windaar
Thu Jul 25, 2013 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Simple, High Quality Dishwasher?
Replies: 25
Views: 1699

Re: Really hard to avoid "Keeping up with the Joneses"!

There's the constant comment about stuff purchased or vacation taken whenever we meet up with these people.


Funny. The one thing in common with the really wealthy people I know is that they never talk about their wealth.
by windaar
Wed Jul 24, 2013 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 93
Views: 9737

Re: Cheap Razors

er whatsa DE, how to map a beard? and what about my question on switching back and forth ? DE = Double Edged blade, the kind your Dad used. Razor for these would be an old Gillette safety razor found on eBay or a brand new model such as a Merkur. I prefer an old Gillette. One in good condition will...
by windaar
Wed Jul 03, 2013 7:54 am
 
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 6386

Re: Cheap Razors

One trick that I use on days when I don't want a 5PM shadow: Shave twice. I shave with my GOOD NEWS once as I usually do. Wash off all the shave cream residue and rinse the razor. Then re-lather and shave again. It really works. BTW, the GILETTE FUSION with the $4 blade ALSO required doing this so ...
by windaar
Tue Jul 02, 2013 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 6386

Re: "Beggar" at gas station - how would you handle it?

Two social worker friends have advised me to never give even a dime to beggars. Money that you give them usually feeds alcohol and drug addictions and keeps them from channels where they might get the help that they need.
by windaar
Tue Jun 25, 2013 11:57 am
 
Forum: Personal Consumer Issues
Topic: "Beggar" at gas station - how would you handle it?
Replies: 73
Views: 4457

Re: Cheap Razors

I've been using a 1960's Gillette safety razor from eBay for the last few years; double-edged blades are cheap and plentiful on Amazon and elsewhere online. Works best with real shaving cream and a brush, also easy to find online. A lot more guys are going this retro route than you might imagine. It...
by windaar
Fri Jun 21, 2013 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 6386

Re: How much do you pay the babysitter?

BestWishes wrote:How old is the babysitter? Is this a full time job? Or is this an occasional babysitter?


Several sitters High School Senior/College, occasional babysitter when we go out for dinner, etc.
by windaar
Thu Jun 20, 2013 11:29 pm
 
Forum: Personal Consumer Issues
Topic: How much do you pay the babysitter?
Replies: 20
Views: 1668

How much do you pay the babysitter?

We pay $15/hour for watching our 6-year-old and 3-year-old. Our sitters are kid of shy when we ask their usual rates. We live in an average area of the Midwest. I'm curious what others pay. This is a really important responsibility; we are putting the safety of our kids and the security of our house...
by windaar
Thu Jun 20, 2013 10:38 pm
 
Forum: Personal Consumer Issues
Topic: How much do you pay the babysitter?
Replies: 20
Views: 1668

Re: Costco holdout considering membership

Downsides of Costco include breaking your back with heavy items, the overflowing and hard to push cart, waiting in long lines at checkout, having to park 1/2 mile away in the scorching parking lot, then wait again in a line of cars if you want a fill-up. Our family decided it was a quality of life t...
by windaar
Mon Jun 03, 2013 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Costco holdout considering membership
Replies: 117
Views: 7266

Re: Crown Royal

eBay doesn't allow any sales of alcohol, even in collectible bottles.
by windaar
Sat Jun 01, 2013 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Crown Royal
Replies: 8
Views: 869

Re: buying a new laptop

Will I lose out on anything since I am not on the latest OS. Hard to say; I'm sure others will weigh in. For basic tasks, it takes a while for an OS to become truly obsolete. Windows XP launched 12 years ago and is still being used by many businesses, and Microsoft support for XP is still in effect...
by windaar
Mon May 27, 2013 6:57 pm
 
Forum: Personal Consumer Issues
Topic: buying a new laptop
Replies: 53
Views: 4716

Re: buying a new laptop

way2GoDonny wrote:Operating System Language Windows 8 64 English


Make sure that you're really up for Windows 8. I find it so awkward and annoying that for our new family laptop I got one with 7, which does everything we want seamlessly.
by windaar
Mon May 27, 2013 5:39 pm
 
Forum: Personal Consumer Issues
Topic: buying a new laptop
Replies: 53
Views: 4716

Re: Merrill Lynch

I inherited a ML fund many years back. The beginning of the end was when my "advisor" paid me a visit in a late-model luxury car. When I realized how they had been shafting my parents all those years with high ERs, ridiculous fees, redundant funds, and self serving "advice" I was...
by windaar
Thu May 16, 2013 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch
Replies: 4
Views: 624

Re: Using full name for email - bad or good idea?

I've used firstnamelastname@hotmail since the late 90s, and firstnamelastname@gmail for 10 years or so. No problems ever, and it's easy for friends to remember.
by windaar
Wed May 15, 2013 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Using full name for email - bad or good idea?
Replies: 20
Views: 1840

Re: "Smart" TV advice?

Thank you for the responses. This will be a new TV, wall-mounted by itself so adding any box dangling from a wire will not be practical or esthetic.
by windaar
Tue May 14, 2013 9:58 am
 
Forum: Personal Consumer Issues
Topic: "Smart" TV advice?
Replies: 22
Views: 1769

"Smart" TV advice?

We do not have cable and watch Netflix through an attached laptop. We want to move to a wall-mounted TV which will make the laptop attachment impractical. We need a set that will connect directly to our wireless router. I've tried Google for info but I get an overload of contradictory reviews. I'd r...
by windaar
Mon May 13, 2013 9:43 pm
 
Forum: Personal Consumer Issues
Topic: "Smart" TV advice?
Replies: 22
Views: 1769

Re: Dining out : Special requests

Maybe a chain like Buppa has their items prepped in advance and this request threw them off. Last year at a high end restaurant they told me they couldn't make me an egg white omelet. I felt like Jack Nicholson in Five Easy Pieces - - Make me 2 eggs sunny side up but cut the yolk out, throw some che...
by windaar
Sun May 05, 2013 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Dining out : Special requests
Replies: 52
Views: 3078

Convert "Cash Value" of Life Ins to Coverage?

Before talking with insurance agent I'd like to get info/advice here. My wife has a whole life policy started by her parents when she was young. Premiums currently paid by dividends, so we've just left it alone so far. The "cash value" is irrelevant to us, we never plan to try to access it...
by windaar
Sat Feb 02, 2013 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Convert "Cash Value" of Life Ins to Coverage?
Replies: 1
Views: 188

Re: How many silver coins have you found

From 1965 through 1970 half dollars and silver (Eisenhower) dollars were made with a core of 21% silver, clad with an outer layer made from 80% silver. Slight correction: Eisenhower dollars were only minted from 1971 to 1978. The only 40% silver Eisenhower dollars were sold as collector's pieces (s...
by windaar
Wed Jan 30, 2013 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many silver coins have you found
Replies: 28
Views: 2875

Re: Want to live longer? Then invest in annuities.

Post hoc ergo propter hoc
by windaar
Thu Jan 10, 2013 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Want to live longer? Then invest in annuities.
Replies: 16
Views: 1220
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