Search found 287 matches

by brak
Thu Jul 20, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 9
Views: 579

MVNO's versus the Big 4

I am switching cellphone companies to one that gives me better reception in my area. I have asked around and the consensus seems to lean toward AT&T. I will be using about 3GB data per month. If I go with an MVNO that uses the AT&T network, will my cellphone reception be as good as if I subs...
by brak
Tue Jul 18, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 1926

Re: Cellphone nightmare - please help

In my phone's settings, the carrier is Credo. I called and asked Credo whose towers they use - Verizon. Thanks for all your help. Keep those comments coming! P.S. - before switching to Credo (Verizon) I had AT&T, with no problems except the high cost.
by brak
Tue Jul 18, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 1926

Re: Cellphone nightmare - please help

jjface - I have an iPhone 7 which was purchased in March of this year.
by brak
Tue Jul 18, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 1926

Re: Cellphone nightmare - please help

Thanks for all the great replies. What is MVNO?
by brak
Tue Jul 18, 2017 6:24 am
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 1926

Cellphone nightmare - please help

I currently use Credo for my cellular phone service. The reception has been terrible (a nightmare in fact in that emergency calls get dropped, etc.), especially but not at all limited to my house, and after going round and round with Credo, trying many fixes, it looks like they may be willing to let...
by brak
Fri Jun 30, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Ally raised their savings account rate to 1.15%
Replies: 18
Views: 2872

Re: Ally raised their savings account rate to 1.15%

But remember that another option to their savings account is their 11 month no penalty for early withdrawal CD at 1.50%.
by brak
Sun Jun 18, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

Thanks for all the realistic and reassuring words. It helps me avoid getting sucked into the college-selection craziness. We are oriented NOT toward helping her find the best college, but rather helping her find the best fit. It's a different orientation than the one I had when I applied to college,...
by brak
Wed Jun 14, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

It's amazing to me that one "C" can potentially override all the other significant accomplishments of your daughter.
by brak
Tue Jun 13, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

Livesoft - my hat is off to you for having survived the material storm.
by brak
Mon Jun 12, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

Can we git back on track please? I would be most appreciative.
by brak
Sun Jun 11, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

I appreciate all the thoughtful replies - they are extremely helpful.
by brak
Sun Jun 11, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

Right on Livesoft!
by brak
Sun Jun 11, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

I couldn't agree with you more. Life is not over as a result of a "C", regardless of what the high school says. And life is much more important than a "C" as well. This whole college thing has become crazy and it brings out the worst in our kids in many ways.
by brak
Sun Jun 11, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

oops...sorry for misspelling Nisiprius.
by brak
Sun Jun 11, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

Thanks Nispirius. Harvard definitely won't be on our list this time around!
by brak
Sat Jun 10, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

stoptothink - if you would like to start a thread on the purpose of college, please feel free to do so but I would appreciate if this thread stayed relevant to my initial question...thanks much.
by brak
Sat Jun 10, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

3504PIR, you sound like a wise person - we are trying to take the same approach with our daughter. Would you mind sharing to which colleges she applied and got into? Thanks.
by brak
Sat Jun 10, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

So does any one know of any good small schools (less than 10,000 students), liberal arts and student focused in nature, good health sciences programs, and good support for students (good availability of tutoring, good professor accessibility)? If they have an aerial dance program it's a plus, but we...
by brak
Sat Jun 10, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

Tall Boy - thanks for your comment. Actually we are not stressed out. I find that information is the antidote to stress. I am just intent on trying to keep it low stress. Thanks.
by brak
Sat Jun 10, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

Again, these replies are so so helpful. CTCL is the book in which we found McDaniel and Juniata College. Her school, by the way, does not provide class rank as the GPA is unweighted. She has taken the ACT twice (she is a lousy test taker) and her highest composite score is a 24. We are debating whet...
by brak
Sat Jun 10, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

Re: College admissions question - she got a "C"

Thank you all for the helpful replies - I really appreciate it. It's so easy to get caught up in the college craziness, especially since my daughter goes to a high powered high school. Just to give you further bits of information that have been alluded to in the posts. My daughter does not intend to...
by brak
Sat Jun 10, 2017 6:31 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8223

College admissions question - she got a "C"

My daughter just finished up her junior year in high school. Prior to this semester, her unweighted GPA was 3.81 which translates into mostly A's with a few B's sprinkled in. This semester she had a class with a Biology 2 teacher that was a killer and she got a "C". All her other courses w...
by brak
Sun May 21, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2858

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: 2858

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: 1096

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: 1096

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: 1096

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: 1096

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: 5473

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: 5473

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: 5473

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: 5473

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: 565

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: 5473

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: 5947

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: 1822

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: 1822

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: 1822

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: 1822

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: 734

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: 633

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: 633

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: 633

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: 201

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: 2661

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: 2661

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: 762

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: 612

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: 612

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: 612

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 ...

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