Search found 265 matches

by brak
Sun May 21, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2428

Re: What goes in your smoothie?

Ideas for a low carb smoothie?
by brak
Sat May 20, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2428

Re: What goes in your smoothie?

Any recommendations on smoothies geared for weight gain in the elderly? Thanks
by brak
Sat May 20, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Insect repellent
Replies: 14
Views: 959

Re: Insect repellent

Thanks - my daughter has been to the travel clinic, is inoculated again HepA, HepB, typhoid, and meningitis and is up to date on all other standard immunizations. Has been prescribed azithromycin to take along for severe diarrhea as well.
by brak
Sat May 20, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Insect repellent
Replies: 14
Views: 959

Re: Insect repellent

Thanks for all the useful feedback. For those of you who wanted to know, my daughter is a Chinese adoptee (abandoned on a street corner) who came into our lives when she was 6 months old. She has decided to go back to China to work in an orphanage to reconnect with her roots - both her Chinese roots...
by brak
Fri May 19, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Insect repellent
Replies: 14
Views: 959

Re: Insect repellent

By best I mean most effective in repelling mosquitos, tics etc for the longest period of time without posing a significant health hazard to the user. Thanks.
by brak
Wed May 17, 2017 12:52 am
Forum: Personal Consumer Issues
Topic: Insect repellent
Replies: 14
Views: 959

Insect repellent

My daughter ua going to Hunan Province in China this summer to volunteer at an orphanage - 95 degree weather bad mosquitos, no air conditioning. I am looking for recommendations for the best insect repellent as I got conflicting information. Thanks.
by brak
Mon May 15, 2017 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4904

Re: Vanguard's safest all-equity fund

Thanks for everything people. Keep those crds and letters coming in! These bonds were purchased quite some time ago, and I haven't examined them. I do know that the 4% is the interest that he is getting off the bonds on average, but that's all I can tell you right now.
by brak
Sat May 13, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4904

Re: Vanguard's safest all-equity fund

VaR - in answer to your question, I am not looking for fund in which to invest 100% of the equity position. Here is the situation. My father is 97, mother is 94, both in excellent health for their age. They need about $120,000/year (including taxes) to live on, have a $4.5 million portfolio. At this...
by brak
Sat May 13, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4904

Re: Vanguard's safest all-equity fund

I am finding all of this extremely helpful - it is making me sharpen my thinking. Thanks to all.
by brak
Sat May 13, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4904

Re: Vanguard's safest all-equity fund

Forgive me if I was not clear in asking my question. What I am wanting to find out is what all-equity domestic mutual fund has historically suffered the least decline through stock market downturns. I know that diversification into such things as bonds funds and international funds provides some deg...
by brak
Sat May 13, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable versus tax-exempt bond funds
Replies: 3
Views: 507

Taxable versus tax-exempt bond funds

If the yield on a taxable mutual bond fund is equivalent to the yield on a muni bond fund, after calculations of equivalency have been made, is there any advantage to investing in one type of mutual fund versus the others? Thanks much.
by brak
Sat May 13, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4904

Vanguard's safest all-equity fund

Does anyone know what is Vanguard's safest (losing the least amount of money in a stock downturn) all equity fund OR how would I go about figuring that out? Thank you.
by brak
Sat Apr 22, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: Terminal Cancer Diagnosis for 5 year old: What would you do?
Replies: 32
Views: 5658

Re: Terminal Cancer Diagnosis for 5 year old: What would you do?

The challenge for anyone in your situation is to be able to "listen" while avoiding the temptation to "fix". Fixing is a way of avoiding our own feelings of impotence, and this is one of those tragic times where our impotence must be faced and felt. By doing this, you are creatin...
by brak
Mon Mar 27, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Clearing customs in Seattle
Replies: 20
Views: 1648

Re: Clearing customs in Seattle

Thank you all for the helpful responses.
by brak
Sun Mar 26, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Clearing customs in Seattle
Replies: 20
Views: 1648

Re: Clearing customs in Seattle

Thanks. So do you think leaving my daughter a connecting time of 3 hours and 35 minutes is pretty safe?
by brak
Sun Mar 26, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Clearing customs in Seattle
Replies: 20
Views: 1648

Re: Clearing customs in Seattle

Thanks for the info. MY daughter will be checking luggage.
by brak
Sun Mar 26, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Clearing customs in Seattle
Replies: 20
Views: 1648

Clearing customs in Seattle

My daughter will be flying from Beijing into Seattle, and then taking a flight from Seattle to Chicago. She will need to clear customs in Seattle. Does anyone have any knowledge or experience regarding how much time I should leave between the Beijing flight's estimated time of arrival and the Seattl...
by brak
Sat Mar 25, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance
Replies: 7
Views: 595

Travel insurance

I have looked through past posts on this subject but would like new updates and input. My 18 year old daughter will be traveling to China this summer for ten days. What kind of travel insurance do you recommend my getting, and/or who do you think I should talk to about this matter? Thanks in advance.
by brak
Sun Feb 05, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account asset allocation
Replies: 5
Views: 603

Re: Taxable account asset allocation

Thanks! Further suggestions would be greatly appreciated.
by brak
Sun Feb 05, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account asset allocation
Replies: 5
Views: 603

Re: Taxable account asset allocation

So what kind of allocation into what funds would you suggest?
by brak
Sun Feb 05, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account asset allocation
Replies: 5
Views: 603

Taxable account asset allocation

My parents are in their 90's and are looking to establish a. relatively low-risk portfolio that will produce a 3-4% income flow annually (if you do not think that this is doable, he will settle for a 2.5% income flow) They are in this situation because up until now, my father has been solely investe...
by brak
Wed Jan 25, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Wash rule
Replies: 1
Views: 182

Wash rule

If I sell VTI (Vanguard Total Stock Market ETF) at a profit in my IRA or Roth IRA, and then buy VTI in a taxable account which I just set up, am I violating any part of the wash rule? Thanks.
by brak
Wed Dec 07, 2016 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation protection for retiree portfolio
Replies: 24
Views: 2548

Re: Inflation protection for retiree portfolio

Thanks. But do you need inflation protection or is a the three fund portfolio sufficient?
by brak
Wed Dec 07, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation protection for retiree portfolio
Replies: 24
Views: 2548

Inflation protection for retiree portfolio

I keep reading about the importance of inflation protection in one's portfolio, followed by recommendation such as TIPs, I-Bonds, floating bank rate funds, and commodities as inflation protection. At the same time, if we strive for simplicity and just go for the three fund portfolio, am I right in a...
by brak
Mon Nov 28, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawal sequence for college tuition
Replies: 5
Views: 737

Withdrawal sequence for college tuition

My daughter is a junior in high school, planning to go on to college. At this point we are unsure whether she will be going to a state school or a private institution. She has a trust in her name worth $120,000, an UTMA account worth $70,000, and a 529 account worth about $60,000, all earmarked for ...
by brak
Mon Sep 26, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited Roth IRA
Replies: 6
Views: 580

Re: Inherited Roth IRA

My daughter was named directly as the beneficiary. Since I knew we would be using these funds to pay for her college education, it made sense to me to hold the account under the Roth IRA umbrella for five years and then convert it into a taxable account. Since she is under 18, my present understandi...
by brak
Mon Sep 26, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited Roth IRA
Replies: 6
Views: 580

Re: Inherited Roth IRA

We are talking about $72,000,
by brak
Mon Sep 26, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited Roth IRA
Replies: 6
Views: 580

Inherited Roth IRA

My seventeen year old daughter inherited a Roth IRA 5 years ago so we need to convert it to a taxable account by the end of the year. The money is held by Vanguard. No one seems to have a clear answer to the following question: since my daughter is under 18, what do we name the account or what type ...
by brak
Fri Sep 16, 2016 10:45 pm
Forum: Personal Consumer Issues
Topic: a car problem (Subaru)
Replies: 21
Views: 3603

Re: a car problem (Subaru)

The end of the story....the mechanic said that it was either a valve problem or a piston ring problem. The cost for fixing both is $4400 - Subaru has generously agreed to pay $3000 of the cost. I hope this will be the end of it.
by brak
Mon Sep 12, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: a car problem (Subaru)
Replies: 21
Views: 3603

Re: a car problem (Subaru)

Come on folks....you can do it! Help is needed.
by brak
Mon Sep 12, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: a car problem (Subaru)
Replies: 21
Views: 3603

a car problem (Subaru)

I own a 2010 Subaru Forester with 94,000 miles on it that is consuming too much oil. This car does not fall into the category of those Subaru's that were found to have a defective oil consuming engine to which Subaru eventually gave an extended warranty etc. Apparently Subaru switched engines mid-20...
by brak
Fri Sep 09, 2016 6:59 am
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 2797

Re: Any King Charles Cavalier Spaniel owners here?

I have always both loved dogs and been allergic to them. When the time came for our family to purchase a dog, we settled on a hypoallergenic shih-poo. Because I did not trust the hypoallergenic hype of any breed, prior to purchase I was able to take the prospective pup into a car with me, roll up th...
by brak
Fri Aug 12, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Fee-only financial advisor/planner
Replies: 19
Views: 2526

Re: Fee-omly financial advisor/planner/UPDATE

Here is an update on my quest to help my friend find someone to manage her money. I have now interviewed four fee-only people plus have had extensive talks with Vanguard about their advisory services. It appears that you can divide the role of financial advisors into two component: 1. a person to he...
by brak
Wed Aug 10, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Fee-only financial advisor/planner
Replies: 19
Views: 2526

Fee-only financial advisor/planner

Anyone know of any good fee-only financial advisors/planners in the Madison, WI area? Thanks. This is to help a person who has no interest at all in managing their own investments, and will at times want financial planning advice (i.e, should I invest some spare money I have in a Roth or in my child...
by brak
Thu Jul 28, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fee only versus stockbroker advisor
Replies: 2
Views: 320

Fee only versus stockbroker advisor

My friend is currently using as a financial advisor an Edward Jones stockbroker, no CFP credential,r who has put her in funds with a 3.5% load and average expense ratios of 1%. How do I best an most clearly explain to her that she is financially better off to employ a financial advisor who charges s...
by brak
Thu Jul 14, 2016 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund/Wellington
Replies: 3
Views: 677

Vanguard Balanced Index Fund/Wellington

Am I correct in my understanding that neither the Vanguard Balanced Index Fund nor Wellington are very tax efficient? If so, what would you suggest as investments in a taxable account that would serve the same purposes as these two funds? Thanks in advance.
by brak
Tue Jul 12, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 5633

Re: Passwords

Can people please define what "good security practices' on a computer involve? Thanks.
by brak
Tue Jul 12, 2016 6:08 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 5633

Passwords

Is there a program or an app or something that will help me both generate passwords for my many different accounts and keep track of them? I want my accounts to stay secure and I know changing passwords frequently is important to do...but how???? Thanks.
by brak
Sat Jul 02, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: How to invest $1,000,000
Replies: 16
Views: 2087

Re: How to invest $1,000,000

Thanks for the kind thoughts. He is enjoying his life to the maximum of his abilities. His wife is a chipper 93 so together they make quite a pair!
by brak
Sat Jul 02, 2016 6:58 am
Forum: Investing - Help with Personal Investments
Topic: How to invest $1,000,000
Replies: 16
Views: 2087

Re: How to invest $1,000,000

Thank you all for the very helpful replies.
by brak
Fri Jul 01, 2016 11:58 am
Forum: Investing - Help with Personal Investments
Topic: How to invest $1,000,000
Replies: 16
Views: 2087

Re: How to invest $1,000,000

What kind of bond index fund? Treasuries, corporates, munis etc.? Thanks
by brak
Fri Jul 01, 2016 11:55 am
Forum: Investing - Help with Personal Investments
Topic: How to invest $1,000,000
Replies: 16
Views: 2087

How to invest $1,000,000

My 97 year old father (who is still quite with-it) is sitting on approximately $1,000,000 cash - the result of individual bonds in which he had invested coming due. This represents approximately one-third of his total portfolio - the rest of the money is invested in bonds that have not come due. If ...
by brak
Wed Jun 01, 2016 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Writing my will
Replies: 19
Views: 2090

Re: Writing my will

I am finding these comments extremely helpful. Thank you. If people have opinions to add I would love to him them. Thanks again.
by brak
Tue May 31, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Writing my will
Replies: 19
Views: 2090

Writing my will

I am in the process of creating my will - better late than never. I have a 17 year old daughter so one component of the will is establishing a trust for her in the eventuality that my wife and I should both die before she reaches the age of 30. A good friend of mine has agreed to be the Executor of ...
by brak
Wed May 18, 2016 6:56 am
Forum: Personal Consumer Issues
Topic: Taking new-ish car to independent mechanic?
Replies: 18
Views: 2170

Re: Taking new-ish car to independent mechanic?

I recently bought a new car (a Subaru Legacy which is now back at the dealer's due to a recall pertaining to a possible fault with the steering column that makes the car unsafe to drive). When picking up my new car, the dealer offered me a service package which I turned down explaining that I had an...
by brak
Wed Apr 27, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Upgrading car stereo speakers
Replies: 11
Views: 877

Re: Upgrading car stereo speakers

Thanks all for the great information.
by brak
Tue Apr 26, 2016 8:08 pm
Forum: Personal Consumer Issues
Topic: Upgrading car stereo speakers
Replies: 11
Views: 877

Upgrading car stereo speakers

I recently purchased a 2016 Subaru Legacy with the standard sound system, which is adequate but mediocre. This has made me start to contemplate upgrading the sound system in the car, but know nothing about this process. Is it a wise thing to do or does it threaten to mess up the wiring or other thin...
by brak
Sat Apr 16, 2016 6:43 am
Forum: Personal Consumer Issues
Topic: Door problems with new Subaru
Replies: 41
Views: 4419

Re: Door problems with new Subaru

Stay tuned for an update after I meet with the service folks on Wednesday.
by brak
Fri Apr 15, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: Door problems with new Subaru
Replies: 41
Views: 4419

Re: Door problems with new Subaru

So here's the update. I returned to the dealership today and tried the doors of the 16 Subaru Legacys that were on the lot - their total stock. Every single car had the exact same problem, with the exact same door. The salesman said no one had ever pointed it out to him before, but he presumed the d...
by brak
Thu Apr 14, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: Door problems with new Subaru
Replies: 41
Views: 4419

Re: Door problems with new Subaru

Thanks so much. I will definitely keep you updated.
Thanks.

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