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Re: Mutual fund account with Vanguard or MerrillEdge?

Based on how they bled my Dad with their fees and "advice" I'd run screaming from any ML product out of principle.
by windaar
Thu Jul 24, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund account with Vanguard or MerrillEdge?
Replies: 30
Views: 1040

Re: Options/guidance for a lazy person to be fit

The 35 year old low-fat diet message, which has accompanied a substantial increase in obesity and diabetes, is being rethought by many authorities. As people cut out fat they replaced it with carbs and sugar. And the "fat free" label lets some people eat with abandon - my dad eating a whol...
by windaar
Fri Jul 18, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5455

Re: Teacher Considering Career Change

Have you thought about teaching private school?

Since you are in MA maybe you should contact Carney Sandoe & Associates in Boston, a free placement service for private school teachers. There are a lot of private schools in the East and many pay a decent salary.
by windaar
Thu Jul 17, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Teacher Considering Career Change
Replies: 49
Views: 3420

Re: boglehead botanists...is this poison ivy?

One good trick is that if the opposing leaves branch out of the stem at the same point, symmetrically, it is NOT PI. If they are arranged alternately, it MAY be. This helps rule out box elder and other common 3 leaved plants.
by windaar
Wed Jul 16, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2448

Re: Is this a Good Quote for a Porch Rebuild?

Thank you for the replies. Today I found that the old tiles come off pretty easily with a hammer & chisel, so I am going to take them off myself today as a 4th of July activity! Then I'll try to get some new numbers. The estimate did not break down materials vs. labor cost so I will request that...
by windaar
Fri Jul 04, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Is this a Good Quote for a Porch Rebuild?
Replies: 6
Views: 663

Is this a Good Quote for a Porch Rebuild?

I usually rely on multiple estimates but contractors (I think) are blowing me off due to a small and potentially tedious job. I have 50 square foot cement front porch & step covered with deteriorating tile. I want the tile and adhesive mortar removed and taken away, new multi tone custom cut til...
by windaar
Thu Jul 03, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Is this a Good Quote for a Porch Rebuild?
Replies: 6
Views: 663

Re: stamp collection

I have twice had to deal with estate stamp collections. Cancelled stamps are worth zilch and uncancelled stamps are worth face. Blocks, pages, worth no more. You probably won't find rare stamps because they are rare.
by windaar
Tue Jul 01, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: stamp collection
Replies: 19
Views: 1110

Re: Selling a Rolex Watch

If it is running well I see no need to have it serviced. The price you are being quoted seems high in any case; I have had 2 overhauled in the last 5 years for under $600 (by authorized jewelers). In any case I think that you will get the best price with the least hassle on eBay, if you have sold it...
by windaar
Fri Jun 13, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Selling a Rolex Watch
Replies: 8
Views: 1428

Re: Inheriting an inherited IRA

I have been through this, and many hours with TIAA/CREF, my CPA, and lawyers. This was the conclusion; laws may have changed in the last 10 years:
IRA through Dad to Mom to me:
Mom's life expectancy, not mine.
by windaar
Mon Jun 09, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheriting an inherited IRA
Replies: 19
Views: 1400

Re: Home security systems

We have been very happy with the big national company; we got a huge discount on installation and rates through a deal with our insurance company. I have known several people who have gotten a monitored system AFTER having their house broken into, the exact wrong time.
by windaar
Sat May 31, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Home security systems
Replies: 23
Views: 2031

Re: Who are the "good" 403b providers.

TIAA-CREF offers some unique funds such as TIAA Traditional which guarantees 3% and TIAA Real Estate which unlike REITs owns actual property.
by windaar
Wed May 21, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Who are the "good" 403b providers.
Replies: 12
Views: 640

Re: Recommended Parenting Books

You don't have to have a "bad" kid to get tons from Robert J. MacKenzie's "Setting Limits with your Strong-Willed Child." This book is a clear and elegant guide to boundaries and consequences for shaping your kid's behavior. This book's concepts really work.
by windaar
Mon May 19, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2094

Re: Magazine Subscription Scam

I would still dispute it with your credit card company since you did not get what you paid for using their card. Thank you for the excellent advice. I contacted the CC company, and evidently they make an exception for the 60 day dispute limit if the goods or services were promised to begin after a ...
by windaar
Fri May 16, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Magazine Subscription Scam
Replies: 12
Views: 1277

Re: Magazine Subscription Scam

What advantage does a legitimate subscription service, if there are any, have over dealing with a magazine directly? Sometimes they offer rates lower than the magazine itself does; in this case I was trying to get a sub to an international publication which they were discounting. I have gotten subs...
by windaar
Fri May 16, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Magazine Subscription Scam
Replies: 12
Views: 1277

Re: Magazine Subscription Scam

Thank you for the replies - Would I contact the Attorney general in my state or the state in which the magazine company is located?
by windaar
Fri May 16, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Magazine Subscription Scam
Replies: 12
Views: 1277

Magazine Subscription Scam

I've apparently been had by an online magazine subscription service. Their MO is to state that the subs start after about 2 months, after which it is too late for the credit card charge to be disputed. E-mails go unanswered, the telephone numbers are either dead or go to answering machines without c...
by windaar
Fri May 16, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: Magazine Subscription Scam
Replies: 12
Views: 1277

Re: Moving Mom's accounts to VG under power of attorney

Vanguard does not recognize durable powers of attorney

My MIL, w/ powers of attorney, easily moved her husband's funds from a high-fee company to VG. Her husband has dementia. VG had no problem recognizing the POA documents, so I do not think that this statement is true.
by windaar
Tue May 13, 2014 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Mom's accounts to VG under power of attorney
Replies: 21
Views: 1555

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

Now getting the engine to start, that's a different matter

Use a gasoline stabilizer religiously and you won't have this problem.
by windaar
Sun Apr 27, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 8583

Re: Good scotch recommendations, where to buy

I'm not ancient, but like older generations I like blended scotch on ice. JW Black is a good pour and I've never had anyone say no to a glass. Inexpensive blends that are still good are Passport and White Horse, which is a blended version of Lagavulin. I think that scotch is better to drink than to ...
by windaar
Mon Apr 21, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 55
Views: 9437

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: 23
Views: 4586

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: 1586

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: 1874

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: 1074

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: 5279

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: 1074

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: 2445

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: 397

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: 3141

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: 2412

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: 194
Views: 13055

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: 494

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: 494

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: 494

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: 106
Views: 6659

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: 4503

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: 3785

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: 1797

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: 4028

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: 2138

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: 3214

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: 3670

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: 5844

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: 5844

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: 1127

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: 1127

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: 5121

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: 4179

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: 8974

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: 3209

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: 1812
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