Search found 37 matches

by birnhamwood
Mon Oct 28, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2411

Re: Popeyes Chicken Sandwich [is it a good value]

We went with a view to trying the sandwich, but they were out and gave us a future date for checking back. Not sure we will go back though since this particular outlet was too small for comfort and, we thought, not kept very clean (trash on floor, unbussed tables, etc.)
by birnhamwood
Sun Oct 27, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169484

Re: What Book Are You Currently Reading? Part VI

Long Way Home by Cameron Douglas (Michael's son) --- Interesting book. Much more than a Hollywood celebrity story. It focuses on his lifelong drug addiction (since age 11) and his eight years in prison. You wonder how a human being can sink so low.
by birnhamwood
Sat Oct 26, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6584

Re: How much does a "good school district" matter?

The better the neighborhood, the better the schools. It's just that simple.
by birnhamwood
Mon Oct 21, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: My husband says I can retire. Is he right?
Replies: 45
Views: 6204

Re: My husband says I can retire. Is he right?

You're minimally set for retirement IMO, but with one more college education to pay for, why not wait until graduation at least?
by birnhamwood
Fri Oct 18, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Preparing for 25% tariff on Scotch
Replies: 39
Views: 4553

Re: Preparing for 25% tariff on Scotch

Up to now he's just been aggravating, but now he's MEDDLIN' !!
by birnhamwood
Tue Oct 15, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Maui?
Replies: 24
Views: 1980

Re: Where to stay in Maui?

VRBO.com has been our go-to site for years and has never disappointed. That's Vacation Rentals by Owner.
by birnhamwood
Mon Oct 14, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: poor Boglehead sending my kids to college
Replies: 69
Views: 5814

Re: poor Boglehead sending my kids to college

The OP (and no one else, for that matter), has even mentioned student loans.

HOO-YAH !!
by birnhamwood
Fri Oct 11, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119589

Re: What frugal thing did you do today?

I change my 24" strip of floss weekly, but could probably get 10 days if I put my mind to it.
by birnhamwood
Thu Oct 10, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 36
Views: 3381

Re: Consumer Reports

I subscribe to digital, but over all I prefer to listen to Amazon's 400 housewives discussing the merits of frying pan A over frying pan B.
by birnhamwood
Wed Oct 09, 2019 10:29 am
Forum: Investing - Theory, News & General
Topic: Statistics question
Replies: 33
Views: 2776

Re: Statistics question

I was given Bs in all my statistics courses.
by birnhamwood
Mon Sep 30, 2019 1:18 pm
Forum: Personal Investments
Topic: Dallas Financial Advisor
Replies: 4
Views: 809

Re: Dallas Financial Advisor

You cannot beat Asset Builder or Scott Burns, a principal there. https://en.wikipedia.org/wiki/Scott_Bur ... columnist)
by birnhamwood
Mon Sep 23, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes for selling gold coins
Replies: 54
Views: 3168

Re: Paying taxes for selling gold coins

I usually buy 4 to 6 gold eagles a year, and my coin company does not charge tax as long as I buy two or more at a time. Neither is any record made of my purchases. I don't sell the coins so the issue of paying tax has never come up for me. But if I sold, I would not pay tax and would not miss much ...
by birnhamwood
Mon Sep 09, 2019 7:35 pm
Forum: Personal Investments
Topic: Investing Starting at 63 yo
Replies: 2
Views: 736

Re: Investing Starting at 63 yo

Yes, good luck to your dad. He doesn't need to make a lot of money, and public school districts are always in needs of bus drivers,
janitorial workers, etc. They have prettry good benefits too. A recommendation from his warden would go a long way, I'd think.
by birnhamwood
Mon Sep 09, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Moving Back to the Land. Should I cash out IRA or Finance the House
Replies: 17
Views: 1360

Re: Moving Back to the Land. Should I cash out IRA or Finance the House

How much does your cost of living adjusted pension bring in?

But way too much house, IMO.
by birnhamwood
Mon Sep 09, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Hard Life Changes - Help With Looking For Employment After 10 Years
Replies: 38
Views: 3959

Re: Hard Life Changes - Help With Looking For Employment After 10 Years

High school physics/science/math teachers in Southern California can make about $50,000 a year these days, but you'd need a year to become certified and to take a few courses in your teaching field.
by birnhamwood
Mon Sep 09, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Visit to Tokyo
Replies: 17
Views: 1900

Re: Visit to Tokyo

Check your necktie at the hotel desk if you spend a night at the Narita/Tokyo airport, the FedEx pilot joke goes.

It's so boring you might otherwise commit suicide. :^)
by birnhamwood
Sun Sep 08, 2019 2:03 pm
Forum: Personal Investments
Topic: TIAA Annuities
Replies: 2
Views: 574

Re: TIAA Annuities

I've been with TIAA for 52 years and have the highest regard for the company and its products.
by birnhamwood
Sat Apr 06, 2019 5:04 pm
Forum: Personal Investments
Topic: Currently Unemployed BUT not worried.....
Replies: 5
Views: 1217

Re: Currently Unemployed BUT not worried.....

You're more of a risk taker than I, but I'm 35 years older, so that's OK. We never let up let up until we were debt free and had a nice comfortable nest egg tucked away. We old folks "know a thing or two because we've seen a thing or two." :^)
by birnhamwood
Wed Apr 03, 2019 7:57 pm
Forum: Personal Investments
Topic: Investment advice wanted
Replies: 9
Views: 1222

Re: Investment advice wanted

Here's the best investment advice I know of --

https://www.dallasnews.com/business/per ... luSxQwt_u0
by birnhamwood
Thu Mar 28, 2019 8:37 pm
Forum: Personal Investments
Topic: move 529 from Illinois to texas
Replies: 10
Views: 695

Re: move 529 from Illinois to texas

More important than which state to go with (TX or IL) is which company to go with (Vanguard, TIAA, etc.) and then what allocation, aggressive, balanced, or conservative. My Texas family opted for TIAA/ Missouri/balanced.
by birnhamwood
Thu Mar 28, 2019 8:18 pm
Forum: Personal Investments
Topic: $480K, no job, special needs kids, what to do?
Replies: 52
Views: 5986

Re: $480K, no job, special needs kids, what to do?

"This time, Lord, you gave me a mountain." Elvis Without BOLD action on your part, you can easily be broke in five years. By BOLD action, I mean (1) leaving your comfort zone and finding a companion, wife, live-in, helper, lover, whatever, to lighten your load and permit you to work. Then take the b...
by birnhamwood
Sat Mar 23, 2019 7:10 pm
Forum: Personal Investments
Topic: Should I Keep or Sell my House/Financial Advice
Replies: 29
Views: 2189

Re: Should I Keep or Sell my House/Financial Advice

You can afford to move into the condo and let the house sit idle for a year, then decide. That's what I'd do. Yes, you'd be out a little, but you can afford it.
by birnhamwood
Fri Mar 22, 2019 2:25 pm
Forum: Personal Investments
Topic: 529 plan question: When did you change to more conservative AA?
Replies: 36
Views: 2114

Re: 529 plan question: When did you change to more conservative AA?

We went with the balanced (moderate) TIAA (Georgia) plan sixteen years ago and are pleased with its 6% return for our three grandchildren. We started by matching whatever our son contributed, then raised when we could and he raised when he could. Two start college next year and will have accumulated...
by birnhamwood
Wed Mar 20, 2019 8:08 pm
Forum: Personal Investments
Topic: Best Way To Save For Kids Future If They May Not Go To College
Replies: 26
Views: 1985

Re: Best Way To Save For Kids Future If They May Not Go To College

Your objections are noted, but the 529 Plan is far and away your best bet, whatever your children's future life decisions.

https://www.amazon.com/Student-Loan-Sca ... 0807042315
by birnhamwood
Tue Mar 19, 2019 10:16 pm
Forum: Personal Investments
Topic: 1031 from duplex to land?
Replies: 5
Views: 494

Re: 1031 from duplex to land?

I agree with Abe; good farm land is very high right now. In the corn belt, expect to pay minimally $10K per acre, and in the Mississippi Delta about $5K per acre if the land is leveled and irrigated. Unless you're a farmer yourself, you'll need a farm operator who will handle all the expenses and ta...
by birnhamwood
Tue Mar 19, 2019 1:01 pm
Forum: Personal Investments
Topic: 1031 from duplex to land?
Replies: 5
Views: 494

Re: 1031 from duplex to land?

I embrace the KISS principle, and therefore like your default option. 1031 rules are complicated.
by birnhamwood
Sun Mar 10, 2019 2:40 pm
Forum: Personal Investments
Topic: USAA
Replies: 18
Views: 2897

Re: USAA

I've been with USAA since 1957 and am sticking with the banking and insurance departments.

But I've moved investments to VG, except for USAIX, which I'll keep.

Yes, alas, the culture is changing. They were once the best, IMHO.
by birnhamwood
Sat Mar 09, 2019 2:49 pm
Forum: Personal Investments
Topic: Oppenheimer???? Stay out of this or help???
Replies: 29
Views: 2480

Re: Oppenheimer???? Stay out of this or help???

Dear Grandmother: As per your request, I advise you to invest only in guaranteed instruments backed by the full faith and credit of the United States government.

Copy all family members.
by birnhamwood
Sat Mar 02, 2019 10:20 pm
Forum: Personal Investments
Topic: Need to divorce raymond james
Replies: 26
Views: 3377

Re: Need to divorce raymond james

Raymond James has a long history of shady dealings, and has surrended some $35M in fines from the SEC, NASD, state regulators in TX and FL, and the Financial Industry Regulatory Authority. Check Wikipedia.
by birnhamwood
Sat Feb 16, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 11128

Re: More Bad News for USAA Bank

I'm in my 63rd year at USAA, beginning in 1958 with automorile insurance and adding banking and investments as they have grown. I have never had a single complaint, but I do believe the culture and operations are slowly changing from a duty-honor-country business and ethical code (in the beginning) ...
by birnhamwood
Tue Feb 12, 2019 9:00 pm
Forum: Personal Investments
Topic: Investing in gold
Replies: 33
Views: 2586

Re: Investing in gold

My grandchildren get a 1 oz gold coin at Christmas and another oz on their birthdays. They save them, so I consider it a small investment of sorts.
by birnhamwood
Sun Feb 10, 2019 9:33 pm
Forum: Personal Investments
Topic: Leaving Advisor - Ethics Question? [Resolved]
Replies: 50
Views: 3078

Re: Leaving Advisor - Ethics Question?

"Steve has used this firm for about 15 years and is happy with them . . " Have Steve's 15-year portfolio returns beat those of his advisor? If so, he has good reason to leave, one his advisor will certainly understand. If not (and considering his wife's situation) leaving might not be the best idea.
by birnhamwood
Sat Feb 09, 2019 5:05 pm
Forum: Personal Investments
Topic: Glide Path Computations for College Savings
Replies: 9
Views: 687

Re: Glide Path Computations for College Savings

" . . . assume that I want to save 150k for each [child]" Are you starting with $Zero? You actually need to "save" that much? Do you really need $150K per child? According to the College Board, annual in-state Texas tuition and fees are only about $10K, and if you throw in room and board, books, tra...
by birnhamwood
Sat Feb 09, 2019 3:59 pm
Forum: Personal Investments
Topic: How much is too much to have in TIAA Traditional RA guaranteed account?
Replies: 10
Views: 593

Re: How much is too much to have in TIAA Traditional RA guaranteed account?

" . . .would it be unwise to put 100% of my 401k in the TIAA Traditional RA guaranteed account?" In my opinion, it WOULD be wise to put 100% of your 401k in Traditional. It's guaranteed, and I don't see your making much (if any) more with the funds you mention. Also, I see being unable to get to the...
by birnhamwood
Sat Jan 19, 2019 6:13 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 17509

Re: Tributes to Jack Bogle

I am very sorry to learn of Mr. Bogle's passing. I owe my financial success to him and the Bogleheads, particularly Mr. Larimore and Mel L. I was a participant on this board many years ago.