Search found 294 matches

by FoolStreet
Mon Sep 19, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Questions for Insurance Salesman on Whole Life Policy
Replies: 59
Views: 3688

Re: Questions for Insurance Salesman on Whole Life Policy

I showed this thread to my wife and it reassured her that should the unfortunate happen, it wouldn't be a big financial problem for us, even without insurance. So, my plan of action is to pick up another 20y term policy for $500,000 on myself, and then drop all the whole life policies. Is there any...
by FoolStreet
Mon Sep 19, 2016 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Any concern about the drop in price of Vanguard Intermediate term municipal bond fund?
Replies: 33
Views: 2412

Re: Any concern about the drop in price of Vanguard Intermediate term municipal bond fund?

So based on what everyone has written in their posts, should we just "stay the course" even though the price/share dropped in the intermediate-term tax exempt muni bond fund? Take a loss in the principal? Hope that over time the monthly payments can make up for it? Thanks. Stay the course...
by FoolStreet
Thu Sep 15, 2016 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: New Guy Looking for Advice [Take ownership of grandparent's rental property?]
Replies: 23
Views: 1256

Re: New Guy Looking for Advice [Take ownership of grandparent's rental property?]

They are currently not willing to sell the property, however, they are willing to let me take control of it and allow me to take a HELOC or mortgage out on the property. The trade off is that they will receive the rent money from the two renters and I have to pay for a small remodel and renovation ...
by FoolStreet
Thu Sep 15, 2016 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Questions for Insurance Salesman on Whole Life Policy
Replies: 59
Views: 3688

Re: Questions for Insurance Salesman on Whole Life Policy

I'm meeting with my insurance salesman tomorrow night. It's an annual review sort of meeting, mostly financial planning type stuff. But since I joined this forum, I've seen all the whole life policy hate and feeling a little uncomfortable, considering everyone in my family has a whole life policy o...
by FoolStreet
Thu Sep 15, 2016 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market or Vanguard Short-Term Investment-Grade?
Replies: 7
Views: 996

Re: Money Market or Vanguard Short-Term Investment-Grade?

I just want to make sure that you know how to evaluate bond funds. You should be looking at the SEC yield for forward expected yield. The returns are backward looking. Also, consider a rough rule of thumb that you can see losses of 1% per year of duration, for every 1% increase in rates. If the mar...
by FoolStreet
Thu Sep 15, 2016 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning in bay area, California
Replies: 4
Views: 871

Re: Estate planning in bay area, California

Hi all, I attended a seminar in the bay area by a couple of lawyers from orange county. It was a good seminar, I got a very brief overview of probate courts (and the need to avoid them), revocable living trusts, a will, medical directives. but I am not sure on what to look for when deciding how to ...
by FoolStreet
Wed Sep 14, 2016 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market or Vanguard Short-Term Investment-Grade?
Replies: 7
Views: 996

Re: Money Market or Vanguard Short-Term Investment-Grade?

I just asked for others' experience regarding various large banks money market funds. Now I'm asking for opinion on using those bank money market funds versus Vanguard Short-Term Investment-Grade. I'm still in the midst of deciding where I want to invest my safe money for the long run with retireme...
by FoolStreet
Sun Sep 11, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice - help me guide my 80 year old mother!
Replies: 8
Views: 700

Re: Portfolio advice - help me guide my 80 year old mother!

RE: student- I interpreted that sentence to mean the $60k includes both Social Security and the pensions combined. Ahh. I see. I parsed it incorrectly. It is $60K annually via (Social Security + pensions my father has) and not ($60K annually via Social Security) + (pensions my father has) PEMDAS! :-)
by FoolStreet
Fri Sep 09, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: New Guy Looking for Advice [Take ownership of grandparent's rental property?]
Replies: 23
Views: 1256

Re: New Guy Looking for Advice [Take ownership of grandparent's rental property?]

Hello Everyone, I am a new member here looking for some information about a opportunity that I may have. There is a duplex that is owned by my grandparents who are older in age and in questionable health, hopefully they have a long time left but they are unable to keep up with certain things like m...
by FoolStreet
Thu Sep 08, 2016 6:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 45
Views: 8699

Re: San Jose, CA Area Bogleheads Chapter

Curious if the locals can comment on estate planning professionals & co-trustees & investment managers who use passive and index funds with a 3 fund folio. I'm doing estate plans and would like to name a corporate co-trustee for a beneficiary in case I pass. Who do you all use? (Vanguard may...
by FoolStreet
Wed Sep 07, 2016 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Is the landlord legaly required to repaint the rental unit while the tenant living there?
Replies: 12
Views: 1983

Re: Is the landlord legaly required to repaint the rental unit while the tenant living there?

Hello. We are family of 4 and living in the SF bay area. We've been renting house in the peninsula area, and the rent was raised $1000 over 5 years. The house was built in 1930's and it has never been remodeled, pretty old house. Now, the wall in the living room and the second bed room, and doors n...
by FoolStreet
Fri Sep 02, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: Magazines for young readers....
Replies: 18
Views: 1395

Re: Magazines for young readers....

It seems as though the days of fairies and princesses are over for my granddaughters, just as I have finally learned the names and powers of each. The young ladies are first and second graders, and are strong readers. They seem interested in science (yahoo!) and thus far do not exhibit the ick fact...
by FoolStreet
Fri Sep 02, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have perspective on dealing with mixed emotions after an inheritance?
Replies: 28
Views: 2589

Re: Anyone have perspective on dealing with mixed emotions after an inheritance?

My FIL passed earlier this year. It affected me much more than I would have thought because when I dated my wife, he really opened his home to me. Now, I will always think about whether we should have spent more on him in his older age, even though I knew it wasn't possible then. But, now, with my b...
by FoolStreet
Thu Sep 01, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 88
Views: 15416

Re: Is Being a Private Banking Client Worth it?

Meg, It is very helpful to have you join in. I am having trouble understanding the private banking appeal. It seems to involve committing a large amount of money at high fees in order to get some personalized service of minimal value. Do the clients get anything of substance? Actually better than m...
by FoolStreet
Thu Aug 18, 2016 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Gifting whole estate in life
Replies: 77
Views: 4319

Re: Gifting whole estate in life

Hi, everyone. I haven't had a chance to thoroughly go through all your responses yet, and reply to you all, but I wanted to thank you all in advance for such a great turn out, especially some of the more on-point replies. I really value your experience and advice, which is why I'm here on this foru...
by FoolStreet
Thu Aug 18, 2016 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Gifting whole estate in life
Replies: 77
Views: 4319

Re: Gifting whole estate in life

With all due respect, I think Jack, not Dudube, needs to talk to an elder law attorney. At best, Dudube seems blind to his conflicts of interest. I know well a family that had a similar situation and resolved it completely differently. Elderly mom, widowed, two adult offspring. One of the offspring...
by FoolStreet
Fri Aug 05, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling with maxing out Roths. Advice?
Replies: 40
Views: 2039

Re: Struggling with maxing out Roths. Advice?

I would not put any money into 529 plans until the Roths are funded. One can always withdraw contributions from the Roths to pay for college. Plus 529 plan money will hurt a family more than Roth IRA money when it comes to financial aid. Since your family is "Struggling with maxing out Roths&q...
by FoolStreet
Sun Jun 12, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock Index VTWSX Foreign Tax Credit
Replies: 7
Views: 836

Re: Vanguard Total World Stock Index VTWSX Foreign Tax Credit

FRT15 wrote:Thanks everyone for your responses. I feel like I have a good understanding now.


There was some discussion on another thread that stated high tax rate earners would not get as much benefit. It was hard to understand, so we should either discuss it again, or go back and re read the other thread.
by FoolStreet
Fri Jun 03, 2016 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)
Replies: 42
Views: 2946

Re: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)

Correct me if I am wrong, but isnt a guaranteed 3% in today's environment a decent return? One and two year CDs are about 1.3-1.5%; 5 year CDs are about 2.3. I'd love to hear what Steve says, but yes and that is exactly why Mom went 50:50. Having said that, the 3.5 is the "hook" to get yo...
by FoolStreet
Thu Jun 02, 2016 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)
Replies: 42
Views: 2946

Re: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)

Correct me if I am wrong, but isnt a guaranteed 3% in today's environment a decent return? One and two year CDs are about 1.3-1.5%; 5 year CDs are about 2.3. I'd love to hear what Steve says, but yes and that is exactly why Mom went 50:50. Having said that, the 3.5 is the "hook" to get yo...
by FoolStreet
Thu Jun 02, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)
Replies: 42
Views: 2946

Re: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)

Thanks for all of the information! I am still trying to get copies of the annuity contracts, but I dont think my advice will change much. This is the advice I am planning on providing to my mother: For the CalSTRS Defined Benefit Supplemental Funds, we are going to try to reverse her election (i.e....
by FoolStreet
Wed Jun 01, 2016 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)
Replies: 42
Views: 2946

Re: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)

krow, i am reading those articles now as well as trying to find information on the specific annuities online (proving difficult). i asked the agent for the prospectus on each annuity. does anyone know what this means: There are no prospectuses for these accounts because they two of them are Indexed...
by FoolStreet
Wed Jun 01, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)
Replies: 42
Views: 2946

Re: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)

Bottom line: 1. Do not try to figure out all of the details of your mom's annuity. They are extremely complex products. 2. Have her stop contributing NOW! She doesn't need another frozen pension plan, she already has a good one in CalSTRS. 3. I strongly encourage you to go with her to meet with the...
by FoolStreet
Wed Jun 01, 2016 1:28 am
Forum: Investing - Help with Personal Investments
Topic: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)
Replies: 42
Views: 2946

Re: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)

My mother is retiring this year (June) after working as a California public school teacher for a couple decades. Yay! In preparation for her retirement this year, she has met with an annuity advisor and apparently made some decisions as to when to start receiving her annuity payments. I understand ...
by FoolStreet
Tue May 31, 2016 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in Taxable if Taxable Needs the Safety?
Replies: 17
Views: 1793

Re: Bonds in Taxable if Taxable Needs the Safety?

Maybe I am wrong, but I just don't see the benefit. Yes but the process of contributing to the 401k reduces my taxable income. So it's different that value came from contributions vs. appreciation. I think the portfolio values are only the same if you exclude the tax deduction related savings from ...
by FoolStreet
Fri May 20, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 2030

Re: Pride in no inheritance to kids?

She gave us something more valuable than money. She gave us the ability to stand on our own two feet. That is so much more valuable than money or an inheritance. I'm glad things worked out for you and you didn't suffer too much to learn that important lesson. You actually always had the ability but...
by FoolStreet
Thu May 19, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Listening to tunes while exercising
Replies: 29
Views: 2552

Re: Listening to tunes while exercising

Is an iPod Shuffle the best solution? I am seeking something the least cumbersome, easiest to use...but as I recall, those ear buds never stay in my ears....is there some kind of wireless solution? I'm dreaming, right? mostly looking for something to wear while on the treadmill or while outside on ...
by FoolStreet
Thu May 19, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Is living in the Bay Area this difficult?
Replies: 49
Views: 8014

Re: Is living in the Bay Area this difficult?

Personally living in a HCOL let me save a ton of money. I got paid enough at a young age to max out 401(k)s and IRAs which I wouldn't have been able to do if I was getting paid 20% less.The higher pay more than compensated for the higher rent I was paying. Now buying a house was a different situati...
by FoolStreet
Wed May 18, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell?
Replies: 87
Views: 5101

Re: When to sell?

shakenbake wrote:Is that what you all reference to check the performance of a fund. I had 16,900.00 invested it felt like going no where. The past year really slipped.



I don't mean any disrespect but you have no idea what you are doing.

Buy a life strategy index fund and walk awaay
by FoolStreet
Sat May 14, 2016 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected issues: Cancer and Estate planning
Replies: 23
Views: 3596

Re: Unexpected issues: Cancer and Estate planning

My mother was diagnosed with Stage 4 non small cell lung cancer, mets to brain/liver/adrenal/hip/spine. We have advised her to get her affairs in order. When she was still married to our father they established a will that was a little strange- my mother runs a non profit sanctuary for blind cats, ...
by FoolStreet
Fri May 13, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: Free afternoon and evening in San Jose, CA
Replies: 36
Views: 2029

Re: Free afternoon and evening in San Jose, CA

Ok, on further research I have been convinced to rent a car. Didn't realize it would be so easy to pick one up right next to the convention center. Leaning towards the Big Basin and Santa Cruz trip several of you suggested. Thanks all for the awesome suggestions! Keep it coming if you have a favori...
by FoolStreet
Tue May 10, 2016 9:14 pm
Forum: Investing - Theory, News & General
Topic: Why are state-specific bond funds often long?
Replies: 22
Views: 2660

Re: Why are state-specific bond funds often long?

I am thinking about investing six figures in the T. Rowe Price Maryland Tax Free Bond Fund (MDXBX) slowly over the next 3-4 years, but am a bit hesitant because it is a long bond fund, and everyone on this forum always suggests to stick to intermediate bond funds (ie. Vanguard Intermediate Term Tax...
by FoolStreet
Sun May 08, 2016 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Annuity big mistake? Need help
Replies: 15
Views: 1418

Re: IRA Annuity big mistake? Need help

Bruce, Thank you for the discussion. I learn so much reading your posts. May I interject some comments and questions? (FYI, I'm in California whereas the OP may not be, so sorry if I confuse anything for OP) 1. OPs mom has her assets in trust for her benefit. It seems you advocate (generally) for as...
by FoolStreet
Wed May 04, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: acura lease or refinance
Replies: 3
Views: 458

Re: acura lease or refinance

I leased a Prius, then bought it. When I leased, I made sure to get a low money factor and paid invoice. After the lease, when I bought it for real, I dealt directly with the lender (Toyota financial service) NOT the dealership, who wanted to charge $500 to file my paperwork with Toyota financial. D...
by FoolStreet
Tue May 03, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Capital gains from sale of real estate
Replies: 15
Views: 1630

Re: Capital gains from sale of real estate

First off, I should admit, I'm a big proponent of the notion that decision making is emotional, and not logical, so I'm not ruling out options based solely on expected rate of return... My situation: I have a multi-family apartment building worth about $2M, all equity. It's pretty costly to upkeep,...
by FoolStreet
Sat Apr 30, 2016 12:45 am
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 8033

Re: So, are Bogleheads Bourbon or Scotch drinkers?

My regular whiskey is a simple Evan Williams Bourbon. 15$ at Total Wine. 1.75 L. But I do like a good Single Malt. Not so much a Blended guy. Ok. Funny story only a Bogleheads would appreciate. I go to my local liquor store market. I am looking for some bourbon made in Utah to take to a Holiday din...
by FoolStreet
Thu Apr 28, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: HELP - need advisor-leaving advice quick...
Replies: 20
Views: 1703

Re: HELP - need advisor-leaving advice quick...

Glad to see your list. Impressive balances. Nice. Here are some generalities. We usually recommend : 1. Pick your goal AA. You are about 90/10 stocks to fixed income (I'll call Cash FI for simplicity here). What do you want? 2. Figure out your losses on individual shares. You can sell those first a...
by FoolStreet
Thu Apr 28, 2016 12:26 am
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 12132

Re: mortgage pre payment, why?

CA residents are subject to the AMT, but this may actually make mortgage deductions more valuable. ... +1 I don't understand. Can you elaborate please? I read Kitces article on AMT and it seemed like MFJ is in the AMT hump up until something like $500k income. AMT is incredibly confusing. If you ar...
by FoolStreet
Wed Apr 27, 2016 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Critique Fixed Income Strategy - GNMA Dominance
Replies: 29
Views: 2895

Re: Critique Fixed Income Strategy - GNMA Dominance

The Stable Value Summary under Risk says "The fund is backed by a diversified portfolio of fixed-income assets held in the general account of the issuer. Guarantees are subject to the claims paying ability of the issuer. Restrictions or fees may apply to exchanges or withdrawals. The Contracts...
by FoolStreet
Wed Apr 27, 2016 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Critique Fixed Income Strategy - GNMA Dominance
Replies: 29
Views: 2895

Re: Critique Fixed Income Strategy - GNMA Dominance

Vanguard shows GNMA fund SEC of 2.37 and negative con exits as mentioned previously. Why not use stable value fund? My 401K is with Fidelity, so Vanguard is not an option for those funds. Perhaps I'm misunderstanding, but stable value is guaranteed by the claims paying ability of MetLife. Unlike GN...
by FoolStreet
Wed Apr 27, 2016 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: FIBAX Fidelity Intermediate Treasury index fund - State tax exempt?
Replies: 6
Views: 498

Re: FIBAX Fidelity Intermediate Treasury index fund - State tax exempt?

I hold FIBAX Fidelity Spartan intermediate Treasury Index fund in my taxable account. Please hold off advising not to hold in taxable - I have my reasons. Is the interest from this fund exempt from state tax? I'm in Georgia if that makes a difference. If so how much - all of it? Is there anywhere t...
by FoolStreet
Wed Apr 27, 2016 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Critique Fixed Income Strategy - GNMA Dominance
Replies: 29
Views: 2895

Re: Critique Fixed Income Strategy - GNMA Dominance

Looking for some insightful critique beyond mantras like "Keep it simple" or that I'm "overthinking". I like overthinking. So I'm looking at my fixed income portfolio. Can't list the whole thing, but just looking at my dominant options I keep coming up with the notion that the F...
by FoolStreet
Tue Apr 26, 2016 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 12132

Re: mortgage pre payment, why?

Are CA residents exempt from AMT? I am still having hard time believing that high mortgage, high real estate taxes and high state taxes and high income has not put OP in the AMT. Once AMT hits, all the rules are different. Or may be I am the one who has misunderstood AMT. CA residents are subject t...
by FoolStreet
Tue Apr 26, 2016 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: HELP - need advisor-leaving advice quick...
Replies: 20
Views: 1703

Re: HELP - need advisor-leaving advice quick...

Welcome, Ok, you have lots of questions, but you are approaching this is the right way--one thing at a time. For other questions, start another post. Meanwhile, I'm in few funds that have 1% or so loads, plus a whole mess of other stuff. And for reasons I can't make out, since even a simple S&P...
by FoolStreet
Sun Apr 24, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Irrevocable Trust - Am I being Bamboozled?
Replies: 50
Views: 5434

Re: Irrevocable Trust - Am I being Bamboozled?

Of course you're being bamboozled. You've been sold an asset hiding scheme by a lawyer. Do you think hiding your mother's assets so she could qualify for a program that is meant for people with much less is possibly ethical? I'm surprised this thread hasn't been locked and/or deleted for such a dis...
by FoolStreet
Sat Apr 23, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 59749

Re: Question for the Bogleheads Millionaires

Well, being a millionaire living in the San Francisco Bay Area, I feel rather "poor" on most days. According to a recent Charles Schwab study, one needs a net worth of at least $6 million to feel "wealthy" in this area. Repeating the posting of my favorite chart to show how intr...
by FoolStreet
Sat Apr 23, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Vanguard
Replies: 14
Views: 1562

Re: Moving from Edward Jones to Vanguard

Because these are tax advantage accounts, I don't think there is any tax implications to just having Vanguard pull them over, then selling within Vanguard and replacing with a target date, life strategy or 3-fund portfolio.

Do you have a 401k or taxable accounts to add to the conversation?
by FoolStreet
Thu Apr 21, 2016 8:55 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Strategy?
Replies: 26
Views: 3261

Re: Bond Fund Strategy?

My advice, like others, is to forget about bond market timing. I guess I gave everyone the wrong impression because I said I am not interested in long term bonds. I have no intention of timing bonds or stocks. Whatever I decide on, I will maintain that ratio for a decade or more. I would like to ha...
by FoolStreet
Wed Apr 20, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Engines (Vanguard) tax exempt bond recommendation
Replies: 6
Views: 856

Re: Financial Engines (Vanguard) tax exempt bond recommendation

I always thought it was recommended for bond side to be short to intermediate...Financial Engines is recommending for high tax bracket, in our taxable account, 50percent into intermediate term tax exempt and 50percent into long term tax exempt. Why not 100percent into intermediate? It's diversified...
by FoolStreet
Wed Apr 20, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Want to buy a home safe - advice?
Replies: 37
Views: 3790

Re: Want to buy a home safe - advice?

How do the ladies feel about using a safe for jewelry. It seems odd to go down to the basement every Friday night to get something. Wife wants something waist high in or near the master bedroom. But isn't that the most obvious and easiest to be stolen? How does one install a bolt in the floor if yo...

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