Search found 71 matches

by panine
Mon Jul 01, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: Historical Best 1/2/3-YR CD rates by Banks
Replies: 2
Views: 762

Re: Historical Best 1/2/3-YR CD rates by Banks

Would like to know this as well.
by panine
Sun May 26, 2019 6:53 pm
Forum: Investing - Theory, News & General
Topic: "Investing in Total Markets"
Replies: 45
Views: 5135

Re: "Investing in Total Markets"

Aware of these papers when they originally came out Cemented my ideas As UK Boglehead I had to think a little differently from a US investor Been in 2 Funds only for years -now 72years old -retired 16 years Global Equity Fund and Global Bond Fund only Made my pile so 30% Equities 65% Bonds 5% Cash ...
by panine
Fri May 24, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2359

Re: Fly cross-country with a cat

Never put a cat under the plane - only in the compartment with you. That's interesting. I thought that putting pets in the cargo hold is the standard procedure. Is there a reason why cats don't do well down there? It's freezing, extremely loud, and not sufficiently pressurized down there. Agony. No...
by panine
Fri May 24, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2359

Re: Fly cross-country with a cat

There are a lot of people that HATE cats. Hate is a strong word, but they HATE cats. Be prepared for hostility from fellow passengers especially if you're the type that talks to your cat like you would a two year old child. And, rest assured, there are people that HATE screaming kids but are subjec...
by panine
Fri May 24, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2359

Re: Fly cross-country with a cat

I've never taken any of my cats on an airplane because... I just wouldn't put them through it. Your vet may be able to prescribe a tranquilizer. Also, be prepared to have to take your cat completely out of its carrier for TSA, so get a leash if you're going to do this. Also, I believe there are serv...
by panine
Fri May 24, 2019 12:39 pm
Forum: Personal Investments
Topic: Aggressive Roth IRA fund suggestions
Replies: 10
Views: 973

Re: Aggressive Roth IRA fund suggestions

I think that your biggest investment opportunity is to upgrade your investment strategy and stick to it. I'm seeing dramatic swings in your underlying investment strategy... In the past six months you've sold your 3-fund portfolio, bought individual stocks, realized you didn't want to be buying ind...
by panine
Thu May 23, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning question risk of DNA services with half brother relatives filing against estate
Replies: 48
Views: 4085

Re: Estate Planning question risk of DNA services with half brother relatives filing against estate

Re: DNA test... when I did mine, I used a fake name, chose not to have the results shared with anyone, and also stipulated that the sample be destroyed after testing. I don't know if any of those things can be directed retroactively. i think you'll be fine if your will/trust is clear. leave them eac...
by panine
Thu May 23, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Are you missing a $15,000 payment from CRB FREEDOM?
Replies: 28
Views: 4947

Re: Are you missing a $15,000 payment from CRB FREEDOM?

regularguy455 wrote:
Wed May 22, 2019 2:16 pm
Stab in the dark, but sounds like it could have been a balance transfer from a Chase Freedom account?
This. Did you have a CD with Chase that was set to be transferred to your savings at maturity or something?
by panine
Thu May 23, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 32
Views: 2601

Re: ongoing eBay buying problems

Since Ebay and Paypal are separate, I had a problem with Paypal updating my credit card expiration date (when I got a new card) even though it updated fine on Ebay. This may not be your problem, but go into each account and check every bit of account information so they match. Also, some sellers hav...
by panine
Sat May 18, 2019 10:14 pm
Forum: Investing - Theory, News & General
Topic: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?
Replies: 74
Views: 9268

Re: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?

unclescrooge wrote:
Sat May 18, 2019 10:10 am
Could one make the case that mid caps are the intersection of small cap growth and large cap value?
This is exactly how I see them. They've done very well for us.
by panine
Mon May 06, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: House selling - modern norms
Replies: 36
Views: 5751

Re: House selling - modern norms

i sold two houses within the past 10 years and did a lot of research re: what we should take on and what we shouldn't. we decided not to sink a fortune into remodeling/staging to try to get a ridiculous price. instead, we made the houses look as clean and spacious as possible (emptied them), and pla...
by panine
Sat May 04, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Questions for Folks that Does Not Need Their 401k/IRA Funds in Retirement
Replies: 67
Views: 5617

Re: Questions for Folks that Does Not Need Their 401k/IRA Funds in Retirement

prd1982 wrote:
Tue Apr 30, 2019 11:08 am
capitalhockey wrote:
Tue Apr 30, 2019 9:25 am
His wife has nagged him over the years to loosen up the funds and to travel more & remodel kitchen.
That is sad and wrong. He must have missed the lecture about sharing financial decision making.
yes. it's her life, too. :(
by panine
Sat May 04, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Removing coaxial cable from exterior of home
Replies: 7
Views: 1208

Re: Removing coaxial cable from exterior of home

If it helps, Klein and Fluke make excellent voltage testers that are affordable.
by panine
Fri May 03, 2019 9:39 am
Forum: Personal Investments
Topic: Pension (rollover IRA or stay put)?
Replies: 13
Views: 1109

Re: Pension (rollover IRA or stay put)?

FiveK wrote:
Thu May 02, 2019 11:47 pm
panine wrote:
Thu May 02, 2019 11:44 pm
:confused negative 4% return?... negative 23.5% of assets? what am i missing here?
The difference between a tilde (i.e., "approximately") and a minus sign (i.e., "negative")? ;)
ah. yeah, definitely negative signs on my computer at least. :happy
by panine
Thu May 02, 2019 11:44 pm
Forum: Personal Investments
Topic: Pension (rollover IRA or stay put)?
Replies: 13
Views: 1109

Re: Pension (rollover IRA or stay put)?

Upon my separation from the company, the Immediate lump sum option is $175k that I could move to a Rollover IRA at Fidelity, Vanguard, etc. Other options are to leave it alone until I'm 65 (year 2035) and then they are forecasting the following options available at age 65: Lump Sum (at age 65) = $3...
by panine
Thu May 02, 2019 8:16 pm
Forum: Personal Investments
Topic: Learn from my Newbie Mistake as a Recent Bogleheads
Replies: 16
Views: 2654

Re: Learn from my Newbie Mistake as a Recent Bogleheads

Good on you for sharing this. :happy
by panine
Tue Apr 30, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Rolled over and melting down
Replies: 72
Views: 7437

Re: Rolled over and melting down

Cody, don't stress about what you don't know. It's good you're looking into learning about finances, and many times there's no one right answer or approach... just what's right for you. I can highly recommend my favorite financial book: Jane Bryant Quinn's "How to Make Your Money Last." Non-robotic ...
by panine
Mon Apr 29, 2019 4:33 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 244
Views: 22998

Re: Biggest Investment Mistake

Yep... marriage is a huge investment... of time, resources, equity, personal finance. Maybe the biggest one. I also don’t view investing as divorced from behavioral economics or other parts of one’s life and resources. Yes, I suppose marriage is a huge investment, but in my case it would be the BES...
by panine
Tue Apr 23, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Madness, Seeking Help
Replies: 23
Views: 3172

Re: Credit Card Madness, Seeking Help

She needs to extricate herself from him in all ways. This isn't a credit counseling thing. This is fundamentally unethical (perhaps criminal) behavior that has shown itself to happen again. He is who he is and does what he does to her without care. Good luck. How can she extricate herself in all wa...
by panine
Tue Apr 23, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Madness, Seeking Help
Replies: 23
Views: 3172

Re: Credit Card Madness, Seeking Help

She needs to extricate herself from him in all ways. This isn't a credit counseling thing. This is fundamentally unethical (perhaps criminal) behavior that has shown itself to happen again. He is who he is and does what he does to her without care. Good luck.
by panine
Fri Mar 29, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Passed Over For Promotion for Being too Good at My Job
Replies: 55
Views: 6106

Re: Passed Over For Promotion for Being too Good at My Job

"I am the best by a large margin"

your company's idea of "the best" may be different than yours? productivity may not be the only deciding factor.
by panine
Tue Mar 26, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO is not a Insurance Co
Replies: 31
Views: 5489

Re: GEICO is not a Insurance Co

we have our auto insurance through geico and with geico.
we also have renter's insurance and umbrella insurance through geico but with liberty mutual.
we've never had any problems with any of our policies and all customer service has been great.
by panine
Fri Mar 22, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Twitter [Is mobile number needed to register?]
Replies: 20
Views: 816

Re: Twitter

asking for a mobile phone number to send a verification code is becoming pretty commonplace. financial entities do it all the time for security. i don't use my real name as a twitter handle, so they don't have both my phone number and real name. twitter is how i get my news. i only follow newspapers...
by panine
Fri Mar 15, 2019 8:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard supervisor and brother-in-law stole over $2M from dead customers and dormant accounts
Replies: 30
Views: 6167

Re: Vanguard supervisor and brother-in-law stole over $2M from dead customers and dormant accounts

In the grand scheme of things, $2MM is not a lot. But it would be incumbent on Vanguard, the company to find these instances, and fully reimburse customers and their estates. in the grand scheme of things, a single dollar acquired in this way is too much. thank goodness there are ethical people wit...
by panine
Sun Mar 03, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Where to move? Advice sought
Replies: 12
Views: 1464

Re: Where to move? Advice sought

lol. i lived in san diego for a long time, live in LA now, and my wife and i have santa fe on our short lists for retirement spots. san diego is quickly heading towards LA-like traffic in spots. there are some less-populated towns in north county san diego that you might like, but no guarantees as t...
by panine
Sun Mar 03, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should we move
Replies: 24
Views: 2542

Re: Should we move

after living in a two-story house, can confirm that one-story houses are dreamed about by those who do the bulk of the chores and shopping, or need to go to the garage ten times a day. :happy
by panine
Sun Mar 03, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: SIL needs help. Car totaled, still owes $10k. Any way out?
Replies: 70
Views: 5497

Re: SIL needs help. Car totaled, still owes $10k. Any way out?

sounds like her mental issues make her a drama magnet/target/creator. history has shown you that any money you give her will not be returned to you. so, consider any aid to be a donation so that you don't wallow in anger afterwards. to be fair, she may have been trying to rescue those kids from thin...
by panine
Sat Feb 23, 2019 6:56 pm
Forum: Personal Investments
Topic: bitcoin guy wants to stock market
Replies: 234
Views: 13389

Re: bitcoin guy wants to stock market

I can't help you unless you provide more precise info on how much money you have in the real world, and how much you still have in the bitcoin universe. If you think $500,000 or $1,000,000 is enough to live comfortably for the rest of your life, you are mistaken. i'm not telling. if you think a mil...
by panine
Sat Feb 16, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Help with difficult work situation
Replies: 48
Views: 3911

Re: Help with difficult work situation

If you are that confident you can get a new job with similar pay and responsibilities, then quit. In this environment adding additional female/minority managers is very common. If you are equals, then I would be nothing but happy for her and just keep doing your best. Do the right thing. Every day....
by panine
Sun Feb 10, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software Privacy
Replies: 11
Views: 1233

Re: Tax Software Privacy

i use h&r block and figured they'd have to collect my info in order to file my taxes electronically. also, if you get the amazon gift card bonus, they have to share your return amount with the company so that the git card credit can be processed. are there any known abuses by h&r with anyone's info?
by panine
Thu Dec 13, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 8223

Re: Is a New Car Okay if Driven 15+ Years?

knowing how every mile has been driven in a car is priceless. many people buy used cars only to find out they have undisclosed problems (no matter the maker). also, life is short and you should enjoy yourself and feel safe. :happy
by panine
Fri Dec 07, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: IRA trust
Replies: 5
Views: 426

Re: IRA trust

Our clients generally provide for their children in trust rather than outright, to keep the children's inheritances out of their estates, and to protect their inheritances against their creditors and spouses, and Medicaid. Question: if an inheritance is kept in a trust to protect it from a spouse, ...
by panine
Fri Dec 07, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: IRA trust
Replies: 5
Views: 426

Re: IRA trust

Our clients generally provide for their children in trust rather than outright, to keep the children's inheritances out of their estates, and to protect their inheritances against their creditors and spouses, and Medicaid. Question: if an inheritance is kept in a trust to protect it from a spouse, ...
by panine
Sun Nov 25, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance questions.
Replies: 17
Views: 2204

Re: Inheritance questions.

if they had auto-pay set up online for their bills, you wouldn't get a physical bill. maybe they either have them automatically paid on a credit card or directly withdrawn from a bank account you don't know about yet. best to you. You are correct about the auto pay. I found it. Thanks. yay. :D
by panine
Sat Nov 24, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance questions.
Replies: 17
Views: 2204

Re: Inheritance questions.

if they had auto-pay set up online for their bills, you wouldn't get a physical bill. maybe they either have them automatically paid on a credit card or directly withdrawn from a bank account you don't know about yet. best to you.
by panine
Sat Oct 20, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: Headlamp for dog walking
Replies: 32
Views: 2815

Re: Headlamp for dog walking

Hi Charley. I can highly recommend the Nitecore NU20 headlamp. $30. Only 1.66 ounces. 360 lumens max. with SOS and beacon modes also. Adjustable angle. USB rechargeable. Excellent headband.
by panine
Fri Oct 05, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Anyone tried basil tea?
Replies: 24
Views: 1815

Re: Anyone tried basil tea?

Roothy wrote:
Thu Oct 04, 2018 3:49 pm
I am unable to verify that there is a limit to how much pesto one can consume.
:D I feel you.
by panine
Fri Oct 05, 2018 12:18 pm
Forum: Personal Investments
Topic: My apathetic sister's rollover IRA Money Market
Replies: 12
Views: 1174

Re: My apathetic sister's rollover IRA Money Market

Thoughts? It's her money to do (or not do) with as she wishes. Adult women can make their own decisions, which frees you from getting involved, unless she specifically asks you to.
by panine
Mon Sep 24, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Digitalizing Old Photos Help
Replies: 22
Views: 1846

Re: Digitalizing Old Photos Help

I've digitized all of our photos. We have an HP all-in-one copier/scanner. I scanned them then saved them into a "photos" folder on my desktop, then copied that folder onto a few flash drives also. Tips: 1) go through all of your photos first and toss out the ones you really could live without. 2) s...
by panine
Thu Sep 20, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 27851

Re: What is your single most expensive mistake?

Law school. Followed by practicing law. Followed by not not accepting the sunk costs earlier and getting out of either earlier. Now life is different and I’m in a different “job” of running the family business. I sell landscape supplies. Or, as my employees say, I’m a dirt farmer. To those that hat...
by panine
Sun Aug 26, 2018 8:28 pm
Forum: Personal Investments
Topic: Change from Admiral to Investor Class Shares at Vanguard
Replies: 13
Views: 1908

Re: Change from Admiral to Investor Class Shares at Vanguard

my wife has her ira with vanguard. i was going to open an ira with them also 5 years ago (they mailed application) then decided against it. they STILL email me often telling me they want the rest of my personal information to complete the process. clueless and dogged.
by panine
Mon Aug 06, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 65
Views: 8106

Re: SocialSecurity.tools updated to include spousal benefits

thanks, good guy gregable! awesome that you share this. will help my wife and me a lot! :happy
by panine
Wed Jun 27, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Identity Theft
Replies: 20
Views: 2136

Re: Identity Theft

a scammer found my wife's work history on linkedin. contacted an ex-boss and said they were from the sheriff's department of the city we used to live in and that they urgently had to contact my wife. ex-boss gave them her contact info. they called and said she had missed a court date in our old city...
by panine
Tue Jun 12, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 19001

Re: Should I take possession of a certified mail?

i would refuse it. if there is something he needs to convey to you, he should pick up the phone and have a conversation. if you owe him nothing, there should be no problem in refusing it.
by panine
Tue May 22, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 28549

Re: Do people still use AAA?

my wife and i have had aaa for more than 20 years. the value of the free maps and books alone are worth half of our membership. they've charged dead batteries about 3 times over the years... every time fast and professional. the peace of mind is priceless. i can't imagine changing a tire on a freewa...
by panine
Tue May 22, 2018 1:30 pm
Forum: Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1908

Re: Difficulty with Parents-In-Law

These are all great points. Thanks for commenting. I've always helped friends and family with finances; setting up 401K/IRA investments, paying off loans, etc., and so it's my instinct to want to help, but this has definitely shown me to only help the willing. As I told her, if they need my help, I...
by panine
Sun May 13, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: setting up trust- possible sibling drama may ensue
Replies: 34
Views: 3494

Re: setting up trust- possible sibling drama may ensue

If you want to have any kind of pleasant relationship with your siblings, instruct your father to appoint someone outside your family to control this. On the personal side, many a parent regards one child as "the golden child" within the family who is the only responsible do-gooder sibling and the o...
by panine
Wed May 09, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 8377

Re: What's the view on dogs running free?

Disclaimer: We have a cat We had a cat. Always stayed in our yard. One day - a seemingly non "vicious" dog came into our yard. (skip details). We no longer have a cat. Yeah, i was going to point this out... ANY dog (yes, even precious Fifi) is unpredictable and should be restrained on a leash or on...
by panine
Thu May 03, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 54
Views: 4246

Re: SUV vs Full Size Car - Taurus or Escape

I drive both a 2010 toyota camry and an older boxy design, 2012 ford escape. The pluses on the carmry are a softer, quieter ride and better gas mileage, especially on the highway. The positives on the escape are: a better overall view of the road ahead, higher clearance above snow making getting st...