Search found 30 matches

by muhtar1938
Sun Aug 24, 2014 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance
Replies: 6
Views: 1202

Re: Health Insurance

Dear Group: Thanks for all the information. I think I was living in a bit of a bubble given that my employer's insurance cost me almost nothing for full coverage. You're right in saying that my wife's is not as high as I might expect. I'll review other options, but, for the time being, I'll stick wi...
by muhtar1938
Sat Aug 23, 2014 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance
Replies: 6
Views: 1202

Health Insurance

Dear Bogleheads: I am retired with good health insurance (and good health, thank God) from my former company. For a time their less-generous plan worked well for my wife. But recently they changed it requiring a $1,000 deductible charge and 30% on bills thereafter. If my wife had any serious conditi...
by muhtar1938
Mon May 27, 2013 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Grandsons' 'Piggy Bank' Fund'
Replies: 12
Views: 1468

Re: Grandsons' 'Piggy Bank' Fund'

Dear Bogleheads: It never ceases to amaze me that we have a site like this one. Mostly, I graze rather than post; it's my ongoing graduate seminar in investing, and its many contributors are my professors. I treat it like a classroom I can always visit and learn important things. Over the years, it ...
by muhtar1938
Sun May 26, 2013 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Grandsons' 'Piggy Bank' Fund'
Replies: 12
Views: 1468

Grandsons' 'Piggy Bank' Fund'

Dear Group: I'm going to post the same question that I asked on another forum to get my fellow Bogleheads' opinion: I want to start what I call a "piggy bank" fund for both of my grandsons (4 & 8). I'd set up an automatic withdrawal from my checking account of $100 each monthly. The point of these f...
by muhtar1938
Thu May 31, 2012 11:43 am
Forum: Local Chapters and Bogleheads Community
Topic: Pat is coming home !
Replies: 115
Views: 13012

Re: Pat is coming home !

Dear Pat: I'm sure that you made Taylor so much more "Taylor" than he would have been without you in his life,so I suggest that he should welcome you with the Marine band and perhaps even the Mormon Tabernacle Choir. We are all in your debt, Pat, for a guy who has been helping all of us for years, a...
by muhtar1938
Sun May 27, 2012 9:31 am
Forum: Personal Finance (Not Investing)
Topic: House is paid off!!!
Replies: 48
Views: 4855

Re: House is paid off!!!

Dear Let's Go Boddy: I think I needed to hear what you had to say. We match up almost perfectly. Tons of great improvements, lovely home with everything you'd want, but this just isn't the time. We need just to see the reality of the marketplace, take the loss, and price our house accordingly. Thank...
by muhtar1938
Fri May 25, 2012 9:25 am
Forum: Personal Finance (Not Investing)
Topic: House is paid off!!!
Replies: 48
Views: 4855

Re: House is paid off!!!

Congratulations! Enjoy the freedom, and the extra cash. I hope it is not bad manners to mention that we, too, just paid off our mortgage, although "congratulations" in our case is a mixed blessing. Our home has been on the market at a reasonable price for almost two years; homes are just not moving ...
by muhtar1938
Wed May 09, 2012 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Customer Service - Wells Fargo vs. T. Rowe Price
Replies: 12
Views: 1753

Re: Customer Service - Wells Fargo vs. T. Rowe Price

I had the same bad experience with Wells Fargo; the reps I talked with were downright arrogant and dismissive, while I found TRP's people to be very much like those at Vanguard: courteous, helpful, very bright in explaining anything, and, in two words--competent and professional. Muhtar
by muhtar1938
Thu May 03, 2012 11:15 am
Forum: Investing - Theory, News & General
Topic: "Vanguard vs. the Competition"
Replies: 15
Views: 2561

Re: "Vanguard vs. the Competition"

You couldn't be more right, Taylor. In the area of the major discoveries I have made in my lifetime, Vanguard stands out as an incredible find. Thank you, Jack Bogle (and quite a few others) for guiding me to a comfortable life style,one involving such minimal effort agonizing over investing and lea...
by muhtar1938
Tue Apr 24, 2012 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Current Home Loan Interest Rates
Replies: 10
Views: 1206

Re: Current Home Loan Interest Rates

Thanks to everyone who has given me some excellent advice, especially enjoyed the professor's website. I must have given this website to at least 50 people because it is so rich in intelligence and information. Cheers, Muhtar
by muhtar1938
Mon Apr 23, 2012 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Current Home Loan Interest Rates
Replies: 10
Views: 1206

Re: Current Home Loan Interest Rates

Thanks "Maroon" and "Eyeball." I'll that website and my employer. I appreciate the information. Best, Muhtar
by muhtar1938
Mon Apr 23, 2012 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Current Home Loan Interest Rates
Replies: 10
Views: 1206

Re: Current Home Loan Interest Rates

Sorry for the duplicate post. Can't figure how I managed to do that. Muhtar
by muhtar1938
Mon Apr 23, 2012 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Current Home Loan Interest Rates
Replies: 10
Views: 1206

Current Home Loan Interest Rates

Dear Group: My wife and I are getting ready to buy a home. We will be paying off the mortgage on the one we are living in, because we have found exactly the home we have been looking for. And doing so won't pose an economic hardship. The expenses in terms of home owners' insurance, taxes, etc. won't...
by muhtar1938
Mon Apr 23, 2012 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Current Home Loan Interest Rates
Replies: 1
Views: 375

Current Home Loan Interest Rates

Dear Group: My wife and I are getting ready to buy a home. We will be paying off the mortgage on the one we are living in, because we have found exactly the home we have been looking for. And doing so won't pose an economic hardship. The expenses in terms of home owners' insurance, taxes, etc. won't...
by muhtar1938
Tue Apr 17, 2012 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards in Europe
Replies: 27
Views: 2405

Re: Credit cards in Europe

Dear "Livesoft": The debit card I have with Citizens Bank allows me to choose the "credit" option at the cash register to avoid any charge for a purchase. I use it constantly for online purchases. The amount is then nearly immediately deducted from my personal checking account. So I never borrow any...
by muhtar1938
Tue Apr 17, 2012 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards in Europe
Replies: 27
Views: 2405

Re: Credit cards in Europe

Dear Group: Reading your helpful responses to this post, I'm wondering what is the best route for my wife and I regarding an upcoming trip to England and Poland. I've used debit cards virtually since they have been available, but I've heard that they can be a problem outside the country. I don't wan...
by muhtar1938
Mon Mar 19, 2012 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How to choose a real estate agent for selling a house
Replies: 15
Views: 3013

Re: How to choose a real estate agent for selling a house

I'm curious about the issue of depersonalizing. Our turn-of-the century home has been on the market for two years. Of course, the market in my area has been depressed at lest that long and virtually all comparable homes in our area have been listed for that long, and not selling. Ours couldn't be mo...
by muhtar1938
Thu Jan 26, 2012 9:37 am
Forum: Investing - Theory, News & General
Topic: What is the single most important investing belief?
Replies: 128
Views: 10782

Re: What is the single most important investing belief?

Dear Taylor: Thanks for your reply. We both share that gratitude you mentioned. I almost wish the investing I've done was terribly complicated, but with Malkiel and Bogle looking over our shoulders, it just wasn't. I always tell friends that the last thing they want to do is to let investing become ...
by muhtar1938
Tue Jan 24, 2012 11:12 am
Forum: Investing - Theory, News & General
Topic: What is the single most important investing belief?
Replies: 128
Views: 10782

Re: What is the single most important investing belief?

I have to relate a true story that sounds like one of those "white lies" in solicitations for various newsletters whose guru turned a pittance into millions. In the early 80s with two young kids and a salary that found me living paycheck to paycheck, even calling up the gas company to see if my esti...
by muhtar1938
Tue Nov 01, 2011 9:39 am
Forum: Personal Consumer Issues
Topic: good book on brain function?
Replies: 23
Views: 1501

Re: good book on brain function?

I'm a Jungian psychoanalyst, who has practiced for twenty years. I also teach courses in neuroscience and psychoanalysis to psychoanalytic candidates. The new research in brain function will eventually lead to a paradigm shift in psychoanalysis in general regardless of the specific school. In my own...
by muhtar1938
Thu Jun 30, 2011 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinancing & Mortgage Brokers
Replies: 4
Views: 648

Mortgage Refinancing & Mortgage Brokers`

Dear Ted:

You're right about refinancing making zero sense. We just thought that the way homes are selling in our area, we might be waiting for a year or more.

Thanks of the information on mortgage lenders,
Muhtar
by muhtar1938
Thu Jun 30, 2011 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinancing & Mortgage Brokers
Replies: 4
Views: 490

Mortgage Refinancing & Mortgage Brokers

Dear Group: Making a call to Wells Fargo recently, I got the message that I am eligible for refinancing my mortgage. I recall a recent post in which a Bogglehead said that he had a good experience with a mortgage company and refinanced his mortgage inexpensively. Has anyone had experience with Wells...
by muhtar1938
Thu Jun 30, 2011 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinancing & Mortgage Brokers
Replies: 4
Views: 648

Mortgage Refinancing & Mortgage Brokers

Dear Group: I just called Wells Fargo with a payment question and heard their message about my being eligible for mortgage refinancing. I think I recall reading a recent post saying that a Bogglehead HAD refinanced with a mortgage company and did so quite cheaply. Has anyone had any experience with ...
by muhtar1938
Fri Jun 24, 2011 10:15 am
Forum: Personal Consumer Issues
Topic: While we are on the topic of dogs- Recommendations?
Replies: 58
Views: 5513

Fellow Dog Lovers: I think I’ll weigh in with those who advise against leaving a dog alone for 8 to 10 hours a day. Dogs (our Beatrice is a flat-coat retriever) are attachment “junkies;” they need love and attention, and proximity to us humans. When I’m home mine is everywhere I am. She is rarely mo...
by muhtar1938
Mon May 23, 2011 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon & "Slamming"
Replies: 24
Views: 3247

Verison

Dear Group: As usual, I get such good advice here. I'm going to try the "re-calling" method until I get someone reasonable. Thanks for all your ideas. I do feel lucky to have you all available to consult. I do read all the investment information, and I got all my dough with Vanguard. But I also trul...
by muhtar1938
Mon May 23, 2011 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon & "Slamming"
Replies: 24
Views: 3247

Verizon & "Slamming"

Dear Group: I’ve never been entirely satisfied by various practices of Verizon. Generally, we have been able to make them take off charges for options that we did not elect. I’d like to poll my fellow boggleheads to see what their experience has been with what I feel is their latest tactic to foist ...
by muhtar1938
Tue May 10, 2011 8:26 am
Forum: Personal Finance (Not Investing)
Topic: US Inheritance Taxes
Replies: 10
Views: 1383

Thank you all very much for answering so quickly. I don't post all that much on this forum, but it's like my online economics course, and much else besides. I bet I've given this site to 50 people in the past five years. It's one of those gems one comes upon from time to time and feels very, very gr...
by muhtar1938
Tue May 10, 2011 7:50 am
Forum: Personal Finance (Not Investing)
Topic: US Inheritance Taxes
Replies: 10
Views: 1383

US Inheritance Taxes

Dear Group: My wife is an only child whose widowed mother wants to leave her entire estate to her daughter. I've tried to make sense of what the inheritance law will be like after January 2011, when I understand they will go back to pre-Bush levels. But the best I can deduce is that they will be aro...
by muhtar1938
Thu Apr 21, 2011 8:05 am
Forum: Investing - Theory, News & General
Topic: Baby Boomers: Is it important to leave inheritance to kids?
Replies: 88
Views: 10879

Fair Warning. I worked overtime to give my children a lifestyle a cut above my base salary. I wanted them to have what I didn't have as a child of hard-working, labor-class parents who were as good as they get. So they had nice vacations, summer camp every summer, senior-class trips, European and So...
by muhtar1938
Mon Feb 14, 2011 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Inherited Stock
Replies: 3
Views: 842

Selling Inherited Stock

Dear Group: I inherited J. C. Penny stock over a decade ago and have decided to sell it. I seem to recall that inherited stock is treated differently than stock that one bought with one's own money in terms of deciding the cost basis for tax purposes. Can someone tell me how to handle such a sale co...