Search found 881 matches

by teacher
Thu Apr 28, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Should a 60 yr old buy her first house?
Replies: 27
Views: 2494

Re: Should a 60 yr old buy her first house?

mte––In my mom's case, she netted $89,000 on the sale of her home and bought the new one for $77,000. She had $67,000 in savings. This was in 1983 in California where property taxes are 1% of the value of the home upon purchase and creep up no more than 2 percent or the rate of inflation, whichever ...
by teacher
Wed Apr 27, 2016 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should a 60 yr old buy her first house?
Replies: 27
Views: 2494

Re: Should a 60 yr old buy her first house?

mte––My mom was 64 when my father died. Her neighbors and friends encouraged her to sell her house and rent because she would not be able to keep up the home as she aged. A year later, a new neighborhood was being built a couple blocks from my home, and there was a very low maintenance, 992 square f...
by teacher
Thu Apr 14, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paying too much for indiv disability ?
Replies: 3
Views: 372

Re: Paying too much for indiv disability ?

After years paying into term life insurance during our children's growing years, we put emphasis on disability insurance instead because we came to realize disability was more likely to occur than death. When we retired, we cancelled disability insurance and self-insure with our savings. Check out t...
by teacher
Thu Apr 14, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Paying too much for indiv disability ?
Replies: 3
Views: 372

Re: Paying too much for indiv disability ?

I am in no way qualified to answer your question, but maybe this will get you started on your quest. Consider that it is a commercial site. How much does disability insurance cost? "Disability premiums are based on your age, sex, occupation and the amount of potential lost income you are trying...
by teacher
Sun Apr 10, 2016 11:28 am
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 6779

Re: Are you planning to leave an "estate"?

We plan to leave an estate for our sons' security and our own well-being. Our goal has been to go our graves knowing they will be financially secure. Until then, we fund their ROTH's and pay their graduate degree tuitions. Sharing accumulated wealth now and after our demise is as much a gift to us a...
by teacher
Sat Apr 09, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: Outdoor Granite Restoration Product
Replies: 11
Views: 549

Re: Outdoor Granite Restoration Product

I don't know if this is a common concern for others, but if I find a solution that really works well, I will post it here. You all have given me some leads to pursue, and I thank you. I'll check with the headstone maker and granite manufacturers. I enjoyed seeing the Vietnam Veteran's memorial clean...
by teacher
Sat Apr 09, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Outdoor Granite Restoration Product
Replies: 11
Views: 549

Re: Outdoor Granite Restoration Product

celia, For ease of mowing, since mid-century in California, headstones have typically been flat on the ground and usually made of granite or brass. They are in no way monumental or ornamental, but I would like them to be well-kept. I will take your advice, sport's and pshonore's advice to seek a pro...
by teacher
Sat Apr 09, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: Outdoor Granite Restoration Product
Replies: 11
Views: 549

Re: Outdoor Granite Restoration Product

celia wrote:
They weren't made the way they are now and are often very fragile.


These originated in the mid seventies and early eighties. Do you think they are old enough to be of concern? Your comment sure puts a different slant on things.
by teacher
Sat Apr 09, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Outdoor Granite Restoration Product
Replies: 11
Views: 549

Re: Outdoor Granite Restoration Product

sport wrote: You might want to contact a company that sells granite for architecture uses. They sometimes offer hints and methods for maintaining their products. I was planning on doing that I after see replies here. I will check out Wet and Forget, Higman. On Amazon, it looks like it is a liquid, a...
by teacher
Sat Apr 09, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Outdoor Granite Restoration Product
Replies: 11
Views: 549

Outdoor Granite Restoration Product

This post is a long shot as for over a year, I have tried to find a product and process to restore headstones for my father and grandmother and to keep my mother's looking as it does now. After decades, family member headstones have lost their luster and look neglected. I have asked people at the ce...
by teacher
Fri Apr 08, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: American Airlines
Replies: 27
Views: 1781

Re: American Airlines

DaftInvestor wrote: Oftentimes what happens is flights are canceled due to whether based upon where the planes are coming from - not from where they are leaving. That was not the case. Both NorCal and SoCal had no weather to speak of. We were in the airport of her destination on a crystal clear, sta...
by teacher
Fri Apr 08, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: American Airlines
Replies: 27
Views: 1781

Re: American Airlines

During the Christmas holidays, my 75 year old sister-in-law flew a 12 hour flight from the UK to LA on British Airways, expecting to fly the last leg to NorCal on American; she had a pre-paid ticket. She ended up sitting in a chair for 13 hours while American scheduled her on four different flights,...
by teacher
Mon Apr 04, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: TIPs to Stable Value––Good Idea?
Replies: 11
Views: 1158

Re: TIPs to Stable Value––Good Idea?

Thank you, dbr. My ignorance is showing. :oops: I thought TIPs were a sort of place-saver (they don't drop precipitously), but they do not necessarily keep up with inflation either.
by teacher
Mon Apr 04, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: TIPs to Stable Value––Good Idea?
Replies: 11
Views: 1158

Re: TIPs to Stable Value––Good Idea?

Thank you for your input, nisiprius. I think what has changed is a gradual awareness that the vast majority of our investments will be long term, so my thought was if there was above average inflation, we could ride it out.
by teacher
Mon Apr 04, 2016 8:41 am
Forum: Investing - Help with Personal Investments
Topic: TIPs to Stable Value––Good Idea?
Replies: 11
Views: 1158

Re: TIPs to Stable Value––Good Idea?

prudent said: Many would suggest that if the lion's share of the portfolio will go to heirs far down the road, a 100% fixed income allocation is not the best choice. Also, be sure to understand if there are any restrictions on withdrawing from the SV fund. I meant 100% SV in the fixed side of the po...
by teacher
Sun Apr 03, 2016 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: TIPs to Stable Value––Good Idea?
Replies: 11
Views: 1158

Re: TIPs to Stable Value––Good Idea?

Thank you for your replies. Maybe the notion of having all fixed income in SV is recency bias. Ameliorating inflation was the initial motivation for investing in the TIPs fund, however, we have enough in cash to not need to sell any funds from the portfolio until RMDs in 2-3 years. The lion's share ...
by teacher
Sun Apr 03, 2016 11:46 am
Forum: Investing - Help with Personal Investments
Topic: TIPs to Stable Value––Good Idea?
Replies: 11
Views: 1158

TIPs to Stable Value––Good Idea?

About 27% of our fixed funds are in the Vanguard TIPS fund in a Traditional IRA. The rest is in a Stable Value fund at 2.48% with .35% ER in a 401B.
We are contemplating moving the TIPS to SV.
What should we consider before making this move?
by teacher
Sat Mar 19, 2016 8:29 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle [may have said] TIPS give you "income risk"
Replies: 58
Views: 4640

Re: Jack Bogle says TIPS give you "income risk"

Mel Lindauer wrote: One potential problem with putting TIPS in one's tax-deferred account is that, at withdrawal, the interest isn't exempt from state and local taxation despite being a Treasury issue that's normally exempt from those taxes. Kevin M. wrote: Of course this also is true for any Treasu...
by teacher
Thu Mar 10, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 57
Views: 16297

Re: Costco and AMEX

All I care is that the new credit card company sends out reward CHECKS, rather than put credit on the card for future purchases.
This Nana needs cold hard CASH back to spend on the grand babies. :happy
by teacher
Sat Jan 09, 2016 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of a Revocable Living Trust, specifically in England
Replies: 8
Views: 407

Re: Advantages of a Revocable Living Trust, specifically in England

We don't need to be concerned about the federal estate tax exclusion amount now or in the future, I reckon, so it's unlikely we will need to consider the special rules for noncitizen spouses. However, I appreciate knowing non-citizenship could be an issue in case the magic of compounding is indeed m...
by teacher
Sat Jan 09, 2016 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of a Revocable Living Trust, specifically in England
Replies: 8
Views: 407

Re: Advantages of a Revocable Living Trust, specifically in England

No, she and my husband are UK citizens; they're English. DH had an inheritance in a trust in England and moving the funds here was difficult. We couldn't find counsel in England who knew inheritance tax laws in the US, and our accountant couldn't advise tax consequences moving the funds to his accou...
by teacher
Sat Jan 09, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of a Revocable Living Trust, specifically in England
Replies: 8
Views: 407

Re: Advantages of a Revocable Living Trust, specifically in England

Again, thanks, bsteiner. The difficulty will be finding counsel who knows tax consequences in both the UK and the US as she has beneficiaries in both countries.
by teacher
Sat Jan 09, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of a Revocable Living Trust, specifically in England
Replies: 8
Views: 407

Re: Advantages of a Revocable Living Trust, specifically in England

Thank you for your response, bsteiner. My sister-in-law has no specific reason to consider a trust vs a will as she has no knowledge of the benefits of a trust in England. She is just trying to find out whether there would be benefits worth considering. Of course you are correct, she should "di...
by teacher
Sat Jan 09, 2016 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of a Revocable Living Trust, specifically in England
Replies: 8
Views: 407

Advantages of a Revocable Living Trust, specifically in England

DH's sister is English. She is getting ready to prepare a will, and DH raised the idea of using the English equivalent of a Revocable Living Trust instead. Our question is: is there such an alternative to a will in England, and if so, what would the advantages be using the English version of our a R...
by teacher
Thu Jan 07, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 656
Views: 18625

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

Lots and lots of duplicates. :shock:
The rules say, "Only one guess (no percentages and no changes)".
Does that mean those who posted the same guess as a previous guess cannot change their guess before the deadline?
by teacher
Sun Jan 03, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: What to do for elderly parent, if they reject help?
Replies: 54
Views: 4388

Re: What to do for elderly parent, if they reject help?

If you haven't already, perhaps spend several days with your mom face-to-face, so you can broach the fact her needs are changing in causal conversation. If she shows signs of dementia, she may be resisting because those topics are foreign to her, and your presence may help her be more comfortable wi...
by teacher
Sun Jan 03, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 656
Views: 18625

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

I'm going to Stay the Course and go with last year's guess again.

2233.00
by teacher
Thu Dec 31, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST LEADERS
Replies: 53
Views: 4478

Re: 2015 BOGLEHEAD CONTEST LEADERS

Coming in 323rd out of 552 participants, at least I beat six of the fifteen "experts". Better than a poke in the eye with a sharp stick, but not much better. :|
by teacher
Wed Dec 30, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Aging Parents Care Scenarios
Replies: 24
Views: 2755

Re: Aging Parents Care Scenarios

My mother was a retired RN in her mid-sixties when my father died. Friends advised her to sell her home and rent an apartment, or buy a house-trailer and move into a trailer park. She was very indecisive and asked me what to do. After a year, a new housing development was built a couple blocks from ...
by teacher
Wed Dec 30, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth
Replies: 57
Views: 6223

Re: Net Worth

Aptenodytes said: First, "net worth" can mean almost anything, so you just need to say what you want it to mean. Second, RMDs don't affect net worth; they just relocate money from one type of account to another. Third, although I said "net worth" could mean anything you wanted it...
by teacher
Wed Dec 30, 2015 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth
Replies: 57
Views: 6223

Re: Net Worth

When you say, "Net Worth" are you taking future RMDs into consideration?
by teacher
Mon Nov 30, 2015 8:13 am
Forum: Personal Consumer Issues
Topic: The end of our Teflon pans is near...now what do we buy?
Replies: 63
Views: 7176

Re: The end of our Teflon pans is near...now what do we buy?

All-Clad does roadshows at Costco periodically. I bought a set with ceramic coating for a very good price. Ceramic-coated stainless steel cook-wear intrigued me because I like the non-stick feature, and I wanted to avoid Teflon. I like the All-Clad set very much, however, I wish they had glass lids ...
by teacher
Mon Nov 30, 2015 7:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 777
Views: 116911

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

Is there conjecture, or has it been determined what Danon's motivations are? Why is he going after Vanguard? What's in it for him?
by teacher
Sun Nov 29, 2015 11:09 am
Forum: Investing - Theory, News & General
Topic: Money Matters with Hanson & McClain
Replies: 3
Views: 892

Re: Money Matters with Hanson & McClain

During my pre-Boglehood days, Hanson & McClain was offering free ongoing advice to pre-retirees employed at AT&T. I expect they were trying to establish relationships with employees of a corporation that had matching 401ks. We met with a Hanson & McClain adviser who seemed knowledgeable....
by teacher
Sun Nov 29, 2015 10:30 am
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 154
Views: 31517

Re: If you could have only one fund, what would it be?

In Nov. 2009, my answer to the topic question was, "Wellington for now and Wellesley for later". JLMA asked: 1) what age would "later" be in your case? 2) it's been quite a few years now since your reply, has the answer to this question changed for you? I posted that response in ...
by teacher
Wed Sep 16, 2015 8:45 am
Forum: Personal Consumer Issues
Topic: Lighted Vanity Mirror (LED)–Good idea?
Replies: 12
Views: 1005

Re: Lighted Vanity Mirror (LED)–Good idea?

I'm moving away from the notion of a back lighted LED mirror due to the possible need to replace it down the road. I love the sensor mirror GoUk suggested. It's the best I have seen, but I am looking for a 10x magnification. I appreciate suggestions from Stonebr and Frank for bulb types. That gives ...
by teacher
Mon Sep 14, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: Lighted Vanity Mirror (LED)–Good idea?
Replies: 12
Views: 1005

Re: Lighted Vanity Mirror (LED)–Good idea?

crake said: I am hesitant about any integrated lighting/electronic elements in what should be permanent fixtures. I would not want to have to replace a 700 dollar vanity mirror because a couple of cent electronic component in it failed. I was thinking the same thing, crake. I would have to be convin...
by teacher
Mon Sep 14, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: Lighted Vanity Mirror (LED)–Good idea?
Replies: 12
Views: 1005

Lighted Vanity Mirror (LED)–Good idea?

We are renovating our master bath and have concerns about lighting. We were told led lights directly above the mirror gives a harsh reflection, in other words, not flattering. I would rather not have to deal with that, especially in early morning hours, so I am on a mission to find the most forgivin...
by teacher
Sun Sep 13, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: What bed did you get your toddler and how long did you use it?
Replies: 31
Views: 2765

Re: What bed did you get your toddler and how long did you use it?

I buy twin memory foam mattresses for my grandchildren at Costco, and their parents buy inexpensive bed frames at Ikea. The memory foam mattresses should last throughout childhood and beyond. They use Ikea bed frames very low to the ground, about 12". Both items can be purchased on-line. Costco...
by teacher
Sat Sep 12, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: Rat Filth in the Dash
Replies: 38
Views: 2457

Re: Rat Filth in the Dash

Here you go, FandangoDave5010.... :wink:

Manifold Destiny: The One! The Only! Guide to Cooking on Your Car Engine!
http://www.amazon.com/gp/product/037575 ... 0375751408
by teacher
Sat Sep 12, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Rat Filth in the Dash
Replies: 38
Views: 2457

Re: Rat Filth in the Dash

mchop said: ....removed the glove compartment to get to an air filter which was where I found the culprit (a couple days deceased). My boy's rat's nest was found in the exact same spot, right on top of the Heat and Air filter near the glove box. I think that is worth noting. How are you cleaning it ...
by teacher
Thu Sep 10, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Rat Filth in the Dash
Replies: 38
Views: 2457

Re: Rat Filth in the Dash

Wow, 2b2, that looks like a possibility. I am going to share this thread with my son tonight. There are some good preventative measures and this steamer idea should peak his interest. Any more ideas would be great.
by teacher
Thu Sep 10, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: Rat Filth in the Dash
Replies: 38
Views: 2457

Re: Rat Filth in the Dash

Liveloft wrote: Whew, teacher, that was quite a battle with the squirrels. Might I ask - who won? Perhaps the squirrels got mad at you and told their rat friends, and now they're getting even. Most definitely, the squirrels have won, not just the battle of being bombarded by five pound pine cones, b...
by teacher
Thu Sep 10, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Rat Filth in the Dash
Replies: 38
Views: 2457

Re: Rat Filth in the Dash

My mom lived to weeks before her 97th birthday. Seems that rat bite did her good. Good luck with your squirrel injury, Livesoft. Ours haven't chomped on us yet. We are not fond of them, but at least that rodent is cute. Anyway, I think I will try to find steam cleaning equipment rentals. So far, I j...
by teacher
Thu Sep 10, 2015 10:22 am
Forum: Personal Consumer Issues
Topic: Rat Filth in the Dash
Replies: 38
Views: 2457

Re: Rat Filth in the Dash

Springman said: More likely a mouse nest than a rats. This is for sure a rat. My son moved into a new development which was fields just months ago, so mice and garden snakes are an issue on their property. They have droppings in the garage which are much smaller, indicating mice. The Toyota dealer s...
by teacher
Thu Sep 10, 2015 10:15 am
Forum: Personal Consumer Issues
Topic: Rat Filth in the Dash
Replies: 38
Views: 2457

Re: Rat Filth in the Dash

hicabob said:
Rats and mice are ubiquitous in California


I've lived here since 1954 and have never seen a rat. I don't even know what they look like. A big mouse with a long tail? Guess I have been very lucky.
by teacher
Thu Sep 10, 2015 10:12 am
Forum: Personal Consumer Issues
Topic: Rat Filth in the Dash
Replies: 38
Views: 2457

Re: Rat Filth in the Dash

livesoft said:
Now in California, some squirrels carry the plague pathogen, so don't let squirrels play in your yard.


Too late, livesoft.
viewtopic.php?t=40235
by teacher
Thu Sep 10, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Rat Filth in the Dash
Replies: 38
Views: 2457

Re: Rat Filth in the Dash

I should add, my son has a three month old baby, a two year old and a five year old, so his concern is not limited to his own health.

Sorry to hear you have a similar problem, mchop. Hopefully, more responses will come. We are at the end of our rope finding ideas for solution on our own.
by teacher
Thu Sep 10, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: Rat Filth in the Dash
Replies: 38
Views: 2457

Rat Filth in the Dash

My son paid off his Toyota Tundra at the end of last week. He was so happy. But within a few days, he took it to the dealer to get the windshield squirters unplugged, and they discovered a rat’s nest in the dash on top of the H/A filter. So disgusting to think he has been breathing in air filtered t...

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