Search found 713 matches

by Jackson12
Thu Oct 19, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 2807

Re: Finally a win for teachers!!

As the relative of a teacher who was terrible retirement options and who has been steadily pushing for changes , it is inspiring to see your post. I'm sharing this thread with her.
by Jackson12
Thu Oct 19, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Best fund(s) for Special Needs Trust
Replies: 14
Views: 824

Re: Best fund(s) for Special Needs Trust

Here's an example of how one state, Virginia, uses Vanguard funds for its ABLE account (known as ABLE Now) To see their choice of Vanguard options see this link : https://www.able-now.com/investment-options They offer VASIX (Life' Strategy Income fund) as their conservative choice. VSMGX ( Life Stra...
by Jackson12
Thu Oct 19, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Best fund(s) for Special Needs Trust
Replies: 14
Views: 824

Re: Best fund(s) for Special Needs Trust

Generally, when getting SSI benefits, the help received to pay for food and shelter (housing) may cause a recipient to receive lower monthly benefits. $735 per month is about the maximum figure for an individual. However,if parents are helping with rent and food, the maximum SSI benefits might go do...
by Jackson12
Thu Oct 19, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Best fund(s) for Special Needs Trust
Replies: 14
Views: 824

Re: Best fund(s) for Special Needs Trust

I recently created a Special Needs Trust and have just opened a Vanguard brokerage account for the trust. I am now in the process of funding the trust, and I am wondering what the best mutual fund(s) might be to use. I'm currently considering the Tax Managed Balanced Fund Admiral (VTMFX) or the Bal...
by Jackson12
Wed Oct 18, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Best fund(s) for Special Needs Trust
Replies: 14
Views: 824

Re: Best fund(s) for Special Needs Trust

I recently created a Special Needs Trust and have just opened a Vanguard brokerage account for the trust. I am now in the process of funding the trust, and I am wondering what the best mutual fund(s) might be to use. I'm currently considering the Tax Managed Balanced Fund Admiral (VTMFX) or the Bal...
by Jackson12
Sun Oct 08, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5789

Re: Question About Long Term Care

I think family history of longevity should be a factor when deciding in this type of insurance. Longevity is common in my family, with many members needing at least several years of care. A grandmother came to live with my parents and after years of family caretaking, needed to move to a nursing hom...
by Jackson12
Thu Oct 05, 2017 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5789

Re: Question About Long Term Care

Is there really anyone who buys a product, "prepared" for the price to later double? Why would you? Are there any BH's who have actually done so in the past 5 years or so? Any recent purchasers of a non-subsidized LTCI product? Curious about the calculation of the _buyers_. Maybe I'm missing someth...
by Jackson12
Sun Oct 01, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5789

Re: Question About Long Term Care

The issue of large premium is usually never addressed by insurance agents, since this is a product with commissions and fees that are not transparent. CA has a database of requested and approved increases by insurance company for all states. Only three have never raised premiums. http://www.insuran...
by Jackson12
Sun Oct 01, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5789

Re: Question About Long Term Care

Deleted. Better info and link , from someone else, in another post above.
by Jackson12
Mon Sep 18, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

I bought a new top of the line Bosch due mainly to its quiet rating. It lasted about a month past the warranty and self destructed beyond repair. Then bought a KitchenAid, based on Consumer Reports rating and its good. Just as quiet too. Interesting. Like most reviews I read when shopping products ...
by Jackson12
Fri Sep 15, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Flex steel,mLazy Boy,or other sectional?
Replies: 10
Views: 617

Re: Flex steel,mLazy Boy,or other sectional?

JBTX wrote:
Fri Sep 15, 2017 12:58 pm
viewtopic.php?t=225738

There may be some pearls of wisdom here. I'm guessing you won't want to go the way we went. :D
That's quite a thread. Thanks. Lots of various brands and price points suggested there. I've been looking at the various web pages.
by Jackson12
Fri Sep 15, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Flex steel,mLazy Boy,or other sectional?
Replies: 10
Views: 617

Re: Flex steel,mLazy Boy,or other sectional?

Lou354 wrote:
Fri Sep 15, 2017 10:30 am
Our FlexSteel leather sectional sofa has held up very well for 14 years so far. Includes young kids stage.

That's reassuring, thanks so much.
by Jackson12
Fri Sep 15, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Flex steel,mLazy Boy,or other sectional?
Replies: 10
Views: 617

Flex steel,mLazy Boy,or other sectional?

I searched the forum before posting this, sorry if I missed anything relevant We're looking for a sectional which matches our old one in size and shape, basically an L shape, easy care fabric, etc. Not leather. It has been suprisingly difficult to find the right color, shape, etc. We finally found a...
by Jackson12
Fri Sep 15, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2607

Re: Can not decide between washing machines

Consumer Reports is a poor resource. Many of their recommended products have poor reliability. A durable good that works great for only 6 to 12 months is worthless to me. I've been burned by CR when the internet would have guided me well. Try researching the internet for problems with models you're...
by Jackson12
Sun Sep 10, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter with Autism and Spouse Almost 13 Years Younger
Replies: 45
Views: 6250

Re: Daughter with Autism and Spouse Almost 13 Years Younger

Also, any person can contribute to an ABLE account . So if there happen to be grandparents, relatives or even friends who want to give gifts as contributions to an ABLE account, that is an option.
by Jackson12
Sun Sep 10, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter with Autism and Spouse Almost 13 Years Younger
Replies: 45
Views: 6250

Re: Daughter with Autism and Spouse Almost 13 Years Younger

I can speak from experience as we have a special needs son who will not be able to support himself. I understand many of the financial and other challenges you face. They can be daunting. Like you, we spent significant money on various services for our child and that impacted our savings and portfo...
by Jackson12
Sun Sep 10, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter with Autism and Spouse Almost 13 Years Younger
Replies: 45
Views: 6250

Re: Daughter with Autism and Spouse Almost 13 Years Younger

Our 12 year old daughter is finally able to stay in the general educational environment 90% of the day for this school term so for the first time in many years my wife and I have at least some optimism for her health and potential for an independent future. That is the great news! The not-so-great ...
by Jackson12
Fri Sep 08, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

Furthermore, when you do open the door, it is relatively hard to tell, by inspecting the control panel, whether the dishes are dirty (i.e. hasn't been run) or clean. It's kind of silly, but I bought a dishwasher magnet to solve this problem. You set it to "clean" to mark that the dishes are clean. ...
by Jackson12
Fri Sep 08, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

Assuming CR has data for 10 years on the Bosch, all that is saying is if you had purchased that Bosch 10 years ago, you would have bought one which has stellar reliability data. CR really does NOT have the reliability data on the today's Bosch. That is point which people are just not getting it. Th...
by Jackson12
Wed Sep 06, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4919

Re: Do I need an Amazon Echo??.....

If you have mobility issues or know someone who does it might be worth the money. It's amazing how it can be controlled with simple- and sometimes not so simple- voice commands. It's been tested in nursing homes and with senior citizens who live in their own homes. Nurses or relatives have used it w...
by Jackson12
Wed Sep 06, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

I bought I'd posted a response, with our dishwasher choice provided. We purchased a Bosch. So far, so good, although only time will tell. We went with Bosch SHXM78W56N 24" 800 Series Built-In Dishwasher w/ Bar Handle - Black We were planning to research further but I had a fair idea of the usual pri...
by Jackson12
Mon Sep 04, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3025
Views: 885726

Re: What Movie Have You Recently Watched?

tampaite wrote:
Sun Aug 20, 2017 11:58 am
The 100 Year-Old Man Who Climbed Out the Window and Disappeared
Loved it. You might also like a Man called Ove . Also,
One Man and his Cow. All 3 are character driven, quirky, and take some commitment to get past the opening sequences and into the heart of each movie.
by Jackson12
Mon Sep 04, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 155
Views: 25003

Re: The Wall Street Journal to close Google loophole entirely

Call your local library. Mine offers online access to digital editions of the Wall Street Journal. Just like reading Kindle or other books borrowed online from the library via Overdrive or anther app, you use your library's newspaper and periodicals app to read the digital edition of the WSJ you wan...
by Jackson12
Sun Sep 03, 2017 3:21 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31494

Re: What to do when a parent's money runs out?

I also wonder about taking in a boarder, taking great care that he or she is a responsible, safe person. This worked well for my mother, both in helping to meet expenses as well as having an extra pair of eyes to provide feedback as she aged. We were in her home frequently ( lived in the same city ...
by Jackson12
Fri Sep 01, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

I would love to recommend Bosch, but can not. Ours is barely 4 years old and we already had the technician in once, I constantly have to clean the system out all the way to the pump, the interior baskets degraded to such a degree that I had to buy new ones this year and lately the door handle broke...
by Jackson12
Fri Sep 01, 2017 4:14 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

My mother just recently picked up a mid tier Kitchenaid to replace her old Kitchenaid. It works fine, but hers has standing water in the filter area whenever it is finished. The worst part is it smells. Kitchenaid says it is normal to have water, but the fact the dishwasher and washed dishes end up...
by Jackson12
Wed Aug 30, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

The dishwasher installer for my friend's Bosch recommended Frigidaire.
by Jackson12
Wed Aug 30, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher

I posted on Facebook ( I've been asking friends and acquaintances, those on and offline) and a neighbor kindly offered to let me hear her Bosch in action. This model: https://www.bestbuy.com/site/bosch-800-series-24-bar-handle-dishwasher-with-stainless-steel-tub-black/5710293.p?skuId=5710293 If it i...
by Jackson12
Wed Aug 30, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4150

Re: Transitioning management of investments as cognitive ability declines

This is relevant, the research for that study indicating that most in their 70s and 80s are competent to handle their finances. The last few paragraphs, the conclusion, raises the chalkenges and options when cognitive function slips (a footnote indicates the unreliability of tests which are meant to...
by Jackson12
Wed Aug 30, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

In my lengthy reply above, I forgot to note that we now favor Bosch. I'm still nervous, primarily because of all the issues we've had with top rated appliances - and it's exactly those issues which make me sorry to lose our old dishwasher , as it lasted and performed well, long past the "typical" 1...
by Jackson12
Wed Aug 30, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

In my lengthy reply above, I forgot to note that we now favor Bosch. I'm still nervous, primarily because of all the issues we've had with top rated appliances - and it's exactly those issues which make me sorry to lose our old dishwasher , as it lasted and performed well, long past the "typical" 10...
by Jackson12
Wed Aug 30, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

We purchased a Bosch dishwasher at the same time our neighbor purchased a Bosch refrigerator. Within 4 years, we got rid of them both. Sorry I can't provide model numbers. Wrote a letter to HQ as did my neighbor and never heard back. That was 2 years ago. Now have a Miele, which I should have bough...
by Jackson12
Tue Aug 29, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

In 2012 I did my research and decided to purchase a Bosch dishwasher. However when we got to Lowe's the salesman talked us out of the Bosch and sold us on a Kitchen Aid instead. This machine was fine at first but after three service calls it eventually died in December 2016. So again I did my resea...
by Jackson12
Tue Aug 29, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4150

Re: Transitioning management of investments as cognitive ability declines

The simplicity of this appeals to me, although I don't think I'd be comfortable with a single fund. What is your concern with a single fund? Many, many BH's are using Target Date funds or Lifestrategy funds from Vanguard. Currently I use the 3 fund portfolio, but DW (and Vanguard) have specific ins...
by Jackson12
Tue Aug 29, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4150

Re: Transitioning management of investments as cognitive ability declines

I am counting on a Statutory Form Power of Attorney with a springer clause to handle my affairs if I decline. My estate attorney is the agent. Based on this post, I did some preliminary research to begin grasping the basics of a Statutory Form Power of Attorney. It looks as though having a back- up...
by Jackson12
Mon Aug 28, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4150

Re: Transitioning management of investments as cognitive ability declines

None of our children are local. Our oldest child has our durable power of attorney. All utility, telephone, cable, insurance and other periodic bills are set up for automatic payment. The exceptions are real estate taxes (due twice per year) and the credit card bill. Social Security direct deposits...
by Jackson12
Sun Aug 27, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Stay or not - natural disaster
Replies: 16
Views: 1805

Re: Stay or not - natural disaster

It's an individual decision but we'd play it safe. We have a special needs kid. He couldn't hang on to a roof, etc. We'd leave.
by Jackson12
Sun Aug 27, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

We are on our 2nd Bosch. Both were/are exceedingly quiet. The first one developed a problem with the sequencing after 10 years and we elected to get a new one rather than fix it. The second one has never had any problems with anything so far at 11 years. If/when this one dies we would probably get ...
by Jackson12
Sun Aug 27, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4150

Re: Transitioning management of investments as cognitive ability declines

I am single and do not have kids. In retirement I am seriously considering one or more SPIA - partly for the reasons you listed. Check would be deposited. No need to worry about lots of asset mgmt or when to sell. I will also go to a balanced fund for non SPIA to keep it simple (Vanguard life strat...
by Jackson12
Sun Aug 27, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4150

Re: Transitioning management of investments as cognitive ability declines

I am single and do not have kids. In retirement I am seriously considering one or more SPIA - partly for the reasons you listed. Check would be deposited. No need to worry about lots of asset mgmt or when to sell. I will also go to a balanced fund for non SPIA to keep it simple (Vanguard life strat...
by Jackson12
Sun Aug 27, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

It seems like you are only getting a dishwasher, so when you say you want black or white shouldn't it match your other appliances? We have black ovens, a black refrigerator, etc. we have white cabinets and a black counter top and cook top. Our old dishwasher is white. We didn't replace it when we r...
by Jackson12
Sun Aug 27, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

We are on our 2nd Bosch. Both were/are exceedingly quiet. The first one developed a problem with the sequencing after 10 years and we elected to get a new one rather than fix it. The second one has never had any problems with anything so far at 11 years. If/when this one dies we would probably get ...
by Jackson12
Sun Aug 27, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

Sorry to be replying to some replies on this thread so late. I spent most of today researching options, reading reviews, consulting friends, and of course checking back for replies here. I also looked at dishwashers in stores. We're still leaning toward a Bosch. Unfortunately for us ( but fortunate ...
by Jackson12
Sun Aug 27, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4150

Re: Transitioning management of investments as cognitive ability declines

Interesting subject. I have an elderly parent whose portfolio is overly complex who is suffering from analysis paralysis and fear of making a mistake. I would like to simplify my own portfolio before I get to that stage. There will be tax implications to consider however. An annual fee of 0.75% wou...
by Jackson12
Sun Aug 27, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

Thanks, everyone. All this info is very helpful.
by Jackson12
Sat Aug 26, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: mold problem in bathroom --advice?
Replies: 18
Views: 1961

Re: mold problem in bathroom --advice?

Home Armor FG502 Instant Mold and Mildew Stain Remover, Trigger Spray 32-Ounce Best ever. You also need a great overhead shower fan. We got a better one than our older model and it helped eliminate any issues. Be sure to check your ceiling if you have any mold. It can spread from your shower to ceil...
by Jackson12
Sat Aug 26, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Re: Bosch dishwasher?

We bought this Bosch d/w two years ago, and we love love love it: SHP65T55UC If you yank the bottom drawer, yes, it can come off the rails, and you just put it back on. What, it's an inch off the tracks? How complicated is that? Pretty sure that ours doesn't have a separate drying element, but we j...
by Jackson12
Sat Aug 26, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6783

Bosch dishwasher?

We need a new dishwasher. Our old and beloved Whirlpool lasted 20 years but it's officially expired. A sad day. We've been cinsuderung dishwashers but many reviews end by saying ' " this review written as part of a promotion"

So I'd like opinions from others. We prefer a black or white 24" model.
by Jackson12
Sat Aug 26, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 47
Views: 7265

Re: Best "investment tip" I have gotten from Bogleheads

Even if we used it only for oatmeal, if it was *good* oatmeal, and faster/easier (not to mention faster cleanup), we'd get <it>. And also: Why is the cleanup so much easier? Isn't there the same "oatmeal inside the pot/container" problem? Put oats, water, and a bit of salt in a pyrex glass dish sit...