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Re: Should you tip when picking up takeout food?

I started tipping 10% a couple of years ago for takeout. It just seems right to me.
by windaar
Thu Feb 26, 2015 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 3744

Re: On line product reviews vs Consumers Reports

Not sure what you mean by online reviews since CR is online. What they mean is specific recent reviews of the product, down to the model #. The CR online reviews are "online" insofar as they are in the internet, but they are often outdated or only reference certain few models. I do subscr...
by windaar
Sat Feb 21, 2015 8:39 pm
 
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2599

Re: Father passed away/Getting taking advantaged of by inves

This guy is a salesman who wants to make money off of you, just as a car salesman would. Nothing wrong with that, but his interests and yours are far apart, you just need to remind yourself of that. Eventually you can buy what you think is best, not what someone is selling to you. I second all above...
by windaar
Tue Feb 10, 2015 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Father passed away/Getting taking advantaged of by investor?
Replies: 17
Views: 1820

Re: Advice on Selling Car with Manual Transmission?

Kids who want "tuner" cars (look it up) will eat that car up! They want manual Japanese cars.
by windaar
Wed Feb 04, 2015 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Advice on Selling Car with Manual Transmission?
Replies: 30
Views: 2329

Re: Preventing Ice Build up in my roof gutters

For a permanent solution the attic needs to be the same temp as the outside. We had to have more roof vents added, soffit vents all checked, bathroom fans venting to the outside, all vent tubing in the attic insulated, whole house fan sealed during winter, and significant insulation added, and evene...
by windaar
Tue Feb 03, 2015 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Ice Build up in my roof gutters
Replies: 23
Views: 1848

Re: Approaching 50...What to expect?

I'm halfway from 50 to 60. Funny, the first things I was going to mention were "have lots of reading glasses" and "get a colonoscopy," and I was beaten to those! Watch as many sunrises and sunsets as you can, no matter where you live. We only get a limited number of those. Have o...
by windaar
Mon Feb 02, 2015 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 9992

Re: Amazon Prime - good deal or calculated conditioning

We don't buy more on Amazon because of Prime; we joined Prime because we buy a lot of stuff on Amazon. With jobs and kids, time is scarce. No parking lots, no finding out a store is out of a needed item, no lines at checkout. Boxes on the front porch when we get home every day. Awesome.
by windaar
Wed Jan 28, 2015 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 2937

Re: Best albums from 2014?

The Tony Bennett CD with LGG is a really great listen if you like standards.
by windaar
Wed Dec 31, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 63
Views: 5578

Re: Getting Traditional Film Developed

It would help if you were still more specific. Do you want E6 processing, C41, traditional B&W? Are you simply having the film processed, or printed, or scanned, or ??? It also might help if you explained what aspect of the film photography process you want your kids to experience. What I appre...
by windaar
Tue Dec 30, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Getting Traditional Film Developed
Replies: 23
Views: 2341

Re: Getting Traditional Film Developed

Thanks, but maybe my original post was not clear. I am not asking if film photography is something you recommend. I am asking if anyone knows of a good resource for film developing. It is not as rare as you think; all Walgreens offer it. And it is not as obsolete as you think: http://www.wtsp.com/st...
by windaar
Tue Dec 30, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Getting Traditional Film Developed
Replies: 23
Views: 2341

Getting Traditional Film Developed

I am considering going back to my 35mm film camera to show my kids how photography used to be done. My darkroom equipment is long gone, and of course I never did my own color film. Film is available on Amazon but I need advice on developing. Are there any preferred mail-in places for this or is Walg...
by windaar
Tue Dec 30, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Getting Traditional Film Developed
Replies: 23
Views: 2341

Re: How do you define "being rich"?

A wise person I know once said that you are rich if you have more than you need. As others have pointed out, it is all relative. Many poor in the U.S. are rich compared to the average person in Haiti. I am poor compared to the wolves of Wall St.
by windaar
Sun Dec 21, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9551

Re: Is it safe to use a credit card at Target?

Get a Target Red Card and save 5% on everything you buy there.
by windaar
Sat Dec 20, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 23
Views: 1865

Re: Stuck with TIAA-CREF-is there a Boglehead mix?

All of my employer retirement funds are in T/C 401(a) and 403(b). For my fixed, I use TRAD. For equities, a mix of CREF STOCK and TREA. Done. TRAD may not be as inflexible as some fear. While my TRAD in the 401(a) cannot be withdrawn until eventual annuitization, the TRAD in my 403(b) has no limitat...
by windaar
Sat Dec 20, 2014 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Stuck with TIAA-CREF-is there a Boglehead mix?
Replies: 20
Views: 1629

Need to make estimated payment on Cap Gains windfall?

A partnership has unexpectedly given me 100K, much of which is gain. According to the IRS, I need to make an estimated payment if both of the following apply: -You expect to owe at least $1,000 in tax for the current tax year, after subtracting your withholding and refundable credits; and -You expec...
by windaar
Tue Dec 16, 2014 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Need to make estimated payment on Cap Gains windfall?
Replies: 2
Views: 421

Re: What to prepare for first baby due next month?

Have been through this twice. Get a bunch of paper plates, plastic forks & spoons, and Styrofoam cups. For the first month fewer dishes to wash; it will make a big difference.
by windaar
Thu Nov 20, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 6929

Re: Experience with Target Redcard?

Have used one for 2 years. For me it is a quality of life thing. I enjoy the shopping (and checkout) experience at Target better than the discount chains or shopping clubs. The 5% discount makes up for the slightly higher prices.
by windaar
Mon Nov 17, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 3774

Re: Oil change costs--dealer vs other

how much would it cost if I decided to do it myself? For about 3 years I decided to "save money" by changing oil myself. Had to buy ramps. Had to go to the store for oil. Hurt/burned myself every time. Getting to/changing oil filter = PITA. Always got oil all over myself, and was crawling...
by windaar
Fri Nov 07, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2924

Re: Bogleheads.org equivalents for other areas of life?

http://badgerandblade.com/

For the gentleman's shaving discussions and many other sub-forums such as liquor, coffee, etc.
by windaar
Sun Oct 26, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 8311

Re: Shoes for Plantar Fasciitis?

Go to a Crocs store; there are many models that look like regular shoes but feel like crocs. They really help. That and the stretching that you can look up online.
by windaar
Tue Oct 21, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 3496

Re: metal detectors?

It is a fun hobby! You should check out this forum, which is packed with the info you seek:

http://metaldetectingforum.com/
by windaar
Tue Oct 14, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: metal detectors?
Replies: 2
Views: 326

Re: What Movie Have You [Recently] Watched?

Recently saw Richard Linklater's "Boyhood" at the theater and was blown away. I hope that this is considered for an Oscar. It took 12 years to film this story of a boy growing from 6 to 18 years old. Many flourishes that remind the viewer of Linklater's past films such as "Slacker&quo...
by windaar
Sun Aug 31, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70365

Re: Most Hated Brokerage Firm?

Hands down ML who sold my parents high-fee and redundant funds, then churned them, all under the auspices of being their "advisor," which my old-school parents believed.
by windaar
Sun Aug 10, 2014 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 11294

Re: Fear of Disclosing Net Worth

Every so often T-C tries to bring me into their Wealth Management domain, but I resist. I had one meeting with a T/C WMA a few years back and was underwhelmed. The advisor kept mispronouncing (really) the company's name, and seemed to know less about the fine points of T/C fund details than I did. ...
by windaar
Sun Aug 10, 2014 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8479

Re: Mutual Fund for a 10 year-old

This may negatively affect financial aid eligibility for college. The formula only counts up 2 to 5 % of parental assets but 20% of student assets. Parental retirement accounts are not counted at all. A 529 might be a better investment.
by windaar
Thu Aug 07, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for a 10 year-old
Replies: 10
Views: 722

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 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund account with Vanguard or MerrillEdge?
Replies: 35
Views: 2420

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 8:21 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 7226

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 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Teacher Considering Career Change
Replies: 49
Views: 4122

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 7:13 am
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2575

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 7:51 am
 
Forum: Personal Consumer Issues
Topic: Is this a Good Quote for a Porch Rebuild?
Replies: 6
Views: 711

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 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Is this a Good Quote for a Porch Rebuild?
Replies: 6
Views: 711

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 6:49 pm
 
Forum: Personal Consumer Issues
Topic: stamp collection
Replies: 19
Views: 1346

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 9:32 am
 
Forum: Personal Consumer Issues
Topic: Selling a Rolex Watch
Replies: 8
Views: 1553

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 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheriting an inherited IRA
Replies: 19
Views: 1466

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 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Home security systems
Replies: 26
Views: 2886

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 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: Who are the "good" 403b providers.
Replies: 12
Views: 686

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 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2377

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 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Magazine Subscription Scam
Replies: 12
Views: 1310

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 11:53 am
 
Forum: Personal Consumer Issues
Topic: Magazine Subscription Scam
Replies: 12
Views: 1310

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 9:49 am
 
Forum: Personal Consumer Issues
Topic: Magazine Subscription Scam
Replies: 12
Views: 1310

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 8:04 am
 
Forum: Personal Consumer Issues
Topic: Magazine Subscription Scam
Replies: 12
Views: 1310

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 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Mom's accounts to VG under power of attorney
Replies: 21
Views: 1761

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 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 51
Views: 10586

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 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 55
Views: 9944

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 5:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Is "sheltering" my GF financially hurting our future?
Replies: 23
Views: 4707

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 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to cancel credit card
Replies: 14
Views: 1673

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 6:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch
Replies: 19
Views: 1993

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 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for dads financial adviser
Replies: 14
Views: 1092

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 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 74
Views: 8558

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 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Questions for dads financial adviser
Replies: 14
Views: 1092
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