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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: 562

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: 1232

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: 1490

"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: 1490

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: 2800

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: 151

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: 2478

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: 1165

Re: Purchase New Car

People want this info because unlike most consumer purchases we make, car prices are negotiated, so buyers want as much info as possible. Consumer Reports is a fine resource for this info (nominal fee) and has a lot of good advice on the new car buying process. Another current BH thread is discussin...
by windaar
Sun Dec 23, 2012 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Purchase New Car
Replies: 15
Views: 2226

Re: Buying Used Prius

You can also get another idea of actual selling prices of a model and year by checking what they have sold for on eBay (through searching completed sales, not unrealized asking prices.) Of course these prices do not include shipping. A glance shows that 2011 Prius models have sold for between 17K an...
by windaar
Wed Dec 19, 2012 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying Used Prius
Replies: 8
Views: 827

Re: Revisiting cable cutting

The Saturday WSJ had a full article on this topic for those interested.
by windaar
Mon Dec 17, 2012 11:20 am
 
Forum: Personal Consumer Issues
Topic: Revisiting cable cutting
Replies: 40
Views: 3188

Re: Buying a new car without having dealer do credit check?

My last 2 cars were bought w/ check. In 2007 the dealer required a cashier's check. Two years later, at a different dealer, my personal check was fine. I have no idea if they pulled a credit report on me. They had no personal info, except my name and e-mail address, until I paid. I drove away 20 min...
by windaar
Sun Dec 16, 2012 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a new car without having dealer do credit check?
Replies: 64
Views: 3254

Re: Buying a new car without having dealer do credit check?

I walk in right off the street and the dealer can pull my report, without my agreement or knowledge? I can't believe that is true. I understand if I am requesting credit, or if I have signed something with fine print, but otherwise that can't be legal.
by windaar
Sun Dec 16, 2012 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a new car without having dealer do credit check?
Replies: 64
Views: 3254

Re: Buying a new car without having dealer do credit check?

Grasshopper wrote:If a dealer asks to see your drivers license for a test drive, they are pulling a report.


Don't they need SS# to pull a report?
by windaar
Sat Dec 15, 2012 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a new car without having dealer do credit check?
Replies: 64
Views: 3254

Re: Health FSA Loss Deductible?

I missed the 2012 deadline for reimbursement and stranded last year's funds, which had been deducted from last year's paychecks.
by windaar
Fri Nov 09, 2012 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Health FSA Loss Deductible?
Replies: 4
Views: 164

Health FSA Loss Deductible?

Because of a changed earlier deadline and poor communication from my company, I lost a little over 1K in my "use it or lose it" health Flexible Spending Account. I seem to have no recourse to recover this money. May I deduct the amount as a "loss?" I cannot find specifics on this.
by windaar
Fri Nov 09, 2012 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Health FSA Loss Deductible?
Replies: 4
Views: 164

Diversify between Corporate Bonds & Treasuries?

In researching VG bond funds I see that some, like the Total Bond Index, are heavy in Treasuries/Agency, other funds heavy in Corporate. Is there a diversification reason to blend these 2 kinds of bonds?
by windaar
Wed Nov 07, 2012 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Diversify between Corporate Bonds & Treasuries?
Replies: 9
Views: 812

Re: Is it time to install a whole-house generator?

You don't have to spend $20K; you don't have to have a generator that powers every single appliance and outlet in your house. We got a 13KW natural gas generator that powers 10 circuits of our choice, cost $6K installed. During a power failure it powers essential appliances like the the fridge, furn...
by windaar
Sat Nov 03, 2012 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Is it time to install a whole-house generator?
Replies: 152
Views: 8680

Re: One hit wonder (Albums)

The 1973 Montrose by Montrose. One of the hardest rocking albums ever, with the turn-it-up single Rock the Nation . Featured Ronnie Montrose and a young Sammy Hagar. This vid of that album's Bad Motor Scooter makes you realize that Rock and Roll will never again be as innocent and awesome. http://ww...
by windaar
Sat Sep 15, 2012 4:42 pm
 
Forum: Personal Consumer Issues
Topic: One hit wonder (Albums)
Replies: 68
Views: 2409

Re: Recommended timing for RMD's from Inherited IRA & rebala

You can set up to take RMDs monthly, kind of like DCA in reverse. Then there are no timing anxieties.
by windaar
Thu Aug 30, 2012 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommended timing for RMD's from Inherited IRA & rebalancin
Replies: 16
Views: 1119

Re: Neil Armstrong, First Man on Moon, Dies at 82

Also, as a result of being an astronaut he received an advantage in getting a professorship over others. (see below). He accepted a teaching position in the Department of Aerospace Engineering at the University of Cincinnati,[98] having decided on Cincinnati over other universities, including his a...
by windaar
Sat Aug 25, 2012 5:07 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Neil Armstrong, First Man on Moon, Dies at 82
Replies: 15
Views: 1660

Re: What's the biggest of amount of cash you have ever found

I found a Costco Amex credit card on the floor in a Costco food court. I turned it in at the service desk. I once found an AMEX card in a parking lot. When I called AMEX, they said the best thing to do with a found CC is to phone it in, then destroy, and never to turn it in any where. I am not sayi...
by windaar
Tue Jul 31, 2012 3:37 pm
 
Forum: Personal Consumer Issues
Topic: What's the biggest of amount of cash you have ever found?
Replies: 65
Views: 4675

Re: What to buy/Not buy at Sams/Costco

My wife & I have just let our Costco membership expire. To go there - parking a mile away in the huge lot, pushing a really heavy cart around, the LONG SLOW checkout lines, lifting the really heavy items in & out of the car - was exhausting. Also, when we did the math it didn't look as if we...
by windaar
Tue Jul 17, 2012 5:16 pm
 
Forum: Personal Consumer Issues
Topic: What to buy/Not buy at Sams/Costco
Replies: 44
Views: 5915

Re: Liquidate before or after VG transfer?

Thank you for the replies. You have made me realize that more homework needs to be done. Supposedly the 15K annual management fee is in place of any transaction charges, but I don't really believe that. The liquidation is because all will go into an appropriate VG target date fund. The allocation wi...
by windaar
Fri Jun 29, 2012 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Liquidate before or after VG transfer?
Replies: 6
Views: 310

Liquidate before or after VG transfer?

I am helping a relative in the early stages of an IRA transfer (around 3M) from a high-fee "advisor" to VG. Funds are mostly in Treasuries, individual corporate bonds and individual stocks 40+ in all. A hefty management fee (15K) is charged in lieu (they have said) of transaction expenses....
by windaar
Fri Jun 29, 2012 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Liquidate before or after VG transfer?
Replies: 6
Views: 310

Re: How to fire your adviser

I called VG and they handled everything; I never had to talk with my "adviser" again.
by windaar
Wed Jun 27, 2012 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: How to fire your adviser
Replies: 46
Views: 4535

Re: New Car Buying: w/ trade in and timing questions

I never mention method of payment or trade-in until the "out the door" price is settled.
by windaar
Sun Jun 17, 2012 9:28 pm
 
Forum: Personal Consumer Issues
Topic: New Car Buying: Updated with the full story
Replies: 59
Views: 6566

Re: Hand washing my car

Never use dish soap; it is bad for rubber and strips the wax. Use rubbing alcohol to remove sap. You might want to know that using a commercial wash is the least environmentally harmful in terms of amount of water used. Also, commercial washes have their pit water go into a sewage system where it ca...
by windaar
Sun Jun 17, 2012 9:57 am
 
Forum: Personal Consumer Issues
Topic: Hand washing my car
Replies: 20
Views: 2643

K1's and Tax Software?

I have an inherited partnership that has complicated my taxes for years. The general partner sends out K1 forms every year; I do not have to figure those out. But can popular tax software such as TurboTax or Quicken allow me to input this info into all of the proper schedules and forms? Looking thro...
by windaar
Thu Mar 15, 2012 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: K1's and Tax Software?
Replies: 3
Views: 249

Re: Why I love being 50/50

I've been 50/50 for a while as well. It is simple and an easy night's sleep.
by windaar
Tue Mar 13, 2012 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why I love being 50/50
Replies: 42
Views: 3550

Re: Surprise Find: Value of Worthy Vintage Desk (Unrestored)

Furniture by this particular fellow (now deceased - did most of his work in the mid-1900s)


Could you name the company, or at lease give a hint? That would help to give a useful and accurate answer to your question.
by windaar
Thu Mar 08, 2012 8:34 am
 
Forum: Personal Consumer Issues
Topic: Surprise Find: Value of Worthy Vintage Desk (Unrestored)
Replies: 30
Views: 3051

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