Search found 362 matches

by Reubin
Fri Nov 16, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Navigating Venice Italy Transportation System
Replies: 19
Views: 1358

Re: Navigating Venice Italy Transportation System

There are pickpockets in Venice so be careful. Some are well dressed women. Just be prudent and protect your assets mostly in crowded areas like you would do anywhere else in Europe. I've been there many times and have never had a problem.
by Reubin
Sun Nov 11, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Help Me Buy A New Front Door
Replies: 16
Views: 1197

Re: Help Me Buy A New Front Door

My front entry door is old and very drafty so we decided to purchase to a new door. We never realized what an ordeal this would be. If the only concern is it being drafty, I strongly recommend weather stripping. There is no guarantee the new doir won't be drafty either. Also, putting glass in the d...
by Reubin
Sun Nov 11, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Help Me Buy A New Front Door
Replies: 16
Views: 1197

Re: Help Me Buy A New Front Door

Mike Scott wrote:
Sun Nov 11, 2018 12:07 pm
A direct door replacemnt is a very easy DIY job.
Easy for you. Difficult for me.
by Reubin
Sun Nov 11, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Help Me Buy A New Front Door
Replies: 16
Views: 1197

Help Me Buy A New Front Door

My front entry door is old and very drafty so we decided to purchase to a new door. We never realized what an ordeal this would be. First we went to a store in New York that sells doors and found one that we liked. We are looking for a fairly nice looking door, half glass, with one sidelight in a st...
by Reubin
Mon Nov 05, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5030

Re: Are Bond Funds Really a Good Investment Now?

I do not believe that I have a constant ability to time the markets but there are times that I've been correct about where it's going. I believe that bond yields are headed higher now so why would I want to buy bonds at this time? There's no way that I can suspend my strong belief in this to purcha...
by Reubin
Mon Nov 05, 2018 12:56 am
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5030

Re: Are Bond Funds Really a Good Investment Now?

I do not believe that I have a constant ability to time the markets but there are times that I've been correct about where it's going. I believe that bond yields are headed higher now so why would I want to buy bonds at this time? There's no way that I can suspend my strong belief in this to purcha...
by Reubin
Sun Nov 04, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5030

Re: Are Bond Funds Really a Good Investment Now?

They're a better investment than a year ago. Share prices are lower and yields are higher. Stop looking at recent performance and stop trying to time the market. Put together a sensible allocation and investing plan, then stick to it. What's wrong with using one's judgment to time the market? Am I ...
by Reubin
Sun Nov 04, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5030

Re: Are Bond Funds Really a Good Investment Now?

They're a better investment than a year ago. Share prices are lower and yields are higher. Stop looking at recent performance and stop trying to time the market. Put together a sensible allocation and investing plan, then stick to it. What's wrong with using one's judgment to time the market? Am I ...
by Reubin
Sun Nov 04, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5030

Re: Are Bond Funds Really a Good Investment Now?

They're a better investment than a year ago. Share prices are lower and yields are higher. Stop looking at recent performance and stop trying to time the market. Put together a sensible allocation and investing plan, then stick to it. What's wrong with using one's judgment to time the market? Am I ...
by Reubin
Tue Oct 16, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: 5 Year CD Coming Due
Replies: 8
Views: 1310

Re: 5 Year CD Coming Due

If, by "deep cash", you mean money you won't need for a long time, why not put it into the safety of another CD? There are 2 year CDs paying 3% out there - Navy Federal CU. There's a thread on the forum discussing Achieva CU's offer of 4.2% for a 5 year CD with a minimum of $75k, I think. Thank you...
by Reubin
Mon Oct 15, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: 5 Year CD Coming Due
Replies: 8
Views: 1310

5 Year CD Coming Due

My 5 year CD, yielding 2%, is coming due. This is deep cash for me so I'm not looking for risky investments. With interest rates rising should I roll it into something like Vanguard Prime MM?
by Reubin
Mon Oct 01, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: Barron's Making the Case for Gold
Replies: 139
Views: 10854

Re: Barron's Making the Case for Gold

Gold has been down for so long that the curb looks like up.
by Reubin
Sun Sep 30, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 10692

Re: Moneytalk with Bob Brinker coming to an end

Oh, and by the way. Brinker proved to me that you can time the market if you know what you're doing. He is the only one that I know who was ever able to consistently do it. I could never figure out his secret but I sure profited from it. He gets a lot of credit for calling near the top of the dot-c...
by Reubin
Sun Sep 30, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 10692

Re: Moneytalk with Bob Brinker coming to an end

Oh, and by the way. Brinker proved to me that you can time the market if you know what you're doing. He is the only one that I know who was ever able to consistently do it. I could never figure out his secret but I sure profited from it.
by Reubin
Sun Sep 30, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 10692

Re: Moneytalk with Bob Brinker coming to an end

Mr.BB wrote:
Sun Sep 30, 2018 5:59 pm
I listen to most of it and the last 10 min he spent thanking everyone and said that he will be continuing to work on his newsletter and investing.
Thanks.
by Reubin
Sun Sep 30, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 10692

Re: Moneytalk with Bob Brinker coming to an end

Bob just said that he's going to make a special announcement at the end of his last show (which is coming up at the end of this hour). Unfortunately I will not be able to hear what he says as he closes out his last show after more than 3 decades due to a prior engagement. If anyone happens to hear i...
by Reubin
Sun Sep 30, 2018 1:35 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 10692

Re: Moneytalk with Bob Brinker coming to an end

I've listened to Brinker for about 30 years, although recently very sporadically. Early on he would make predictions on the air about the markets and they were remarkably accurate. He is the only guy that I've ever seen who could reliably time the stock market. I subscribed to his newsletter decades...
by Reubin
Thu Sep 20, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 56
Views: 4987

Re: Should I bother meeting with a Chase Private Client Rep

Another good example of this sort of thing is the B of A Premium Rewards/Merrill Edge package. If you have $100,000 in balances at Merrill Edge (which can be in a Vanguard mutual fund, Admiral shares) then you get a great package of services from B of A, including a 2.625% unlimited cash rebate on ...
by Reubin
Fri Sep 14, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: Need burner phone for wife traveling in Italy
Replies: 24
Views: 1955

Re: Need burner phone for wife traveling in Italy

I have AT&T and use their international unlimited plan all around the world. At $10 for any 24 hour period it provides you with unlimited calling, internet and texting. And you just use your own phone. Really convenient.
by Reubin
Sat Sep 01, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6633

Re: Lexus vs. Mercedes

Lexus all day and any day. If you buy a used Mercedes you will be working for your car.
by Reubin
Fri Aug 31, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?
Replies: 30
Views: 3656

Re: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?

The hospital social worker gave us no time or ability to visit even one nursing home for my friend, who died after four days of transfer. They just informed us by text that the move was happening and that the ambulance was coming. I suspect that it might have been the Fentanyl patch that the nursing...
by Reubin
Thu Aug 30, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?
Replies: 30
Views: 3656

Re: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?

They just killed an elderly friend of mine. She was there for four whole days. So I'd say yes. Unfortunately, the hospital where she was moved her to this Nursing home without asking anyone for their approval. Hospitals and social workers in particular that I have seen and dealt with are completely ...
by Reubin
Wed Aug 15, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25695

Re: most compelling TV character ever

Gus Fring from Breaking Bad and Better Call Saul. You know, the owner of Los Pollos Hermanos, the fast food chicken restaurant.

He may not be the most compelling character ever but I find him extremely compelling.

https://en.wikipedia.org/wiki/Gus_Fring
by Reubin
Wed Aug 15, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 6973

Re: Men’s Underwear recommendation

TMI..
by Reubin
Fri Aug 10, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 5041

Re: Should I pay 6000.00 to repair wife's car....

$600,000 seems a little bit high to me. I'd try to negotiate it down some.
by Reubin
Sun Aug 05, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Good/Cheap Glucose Monitoring System.
Replies: 15
Views: 1302

Re: Good/Cheap Glucose Monitoring System.

Reli-On at Walmart. $15. for meter, $9. For 50 strips. Less expensive than ablot of insurance coverages. That's the one that I've used for many years, being prediabetic. I am intrigued, though, by the new continuous monitoring glucose monitors that no longer require one to prick their finger. Can I...
by Reubin
Sun Aug 05, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Good/Cheap Glucose Monitoring System.
Replies: 15
Views: 1302

Re: Good/Cheap Glucose Monitoring System.

Reli-On at Walmart. $15. for meter, $9. For 50 strips. Less expensive than ablot of insurance coverages. That's the one that I've used for many years, being prediabetic. I am intrigued, though, by the new continuous monitoring glucose monitors that no longer require one to prick their finger. Can I...
by Reubin
Mon Jul 30, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

Well, the free attorney associated with the hospital says that a will with a trust is too complicated for the free service that they provide and that my friend's assets are too great. I will now have to find another attorney to handle this affair and hope that they will come to the hospital quickly....
by Reubin
Mon Jul 30, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

Should the title of this thread be "What Should my Dying Friend do About His Assets?", or did the original poster (OP) have it right originally? It might make it clearer what's happening here. My friend is near death and I am trying to assist him for his sake and his sister's. I know if I do nothin...
by Reubin
Mon Jul 30, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

Who is the trustee? Who is the beneficiary of the remainder after the sister dies? I'll be the trustee and there won't be another beneficiary. That answer doesn't make sense. If he has $550K now, and the sister dies within a year of his death and there is still $500K in the trust, where does it go?...
by Reubin
Mon Jul 30, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

Some of the comments above strike me as ironic considering how much time and effort go into discussion of strategies to minimize taxes on this forum. I've never really thought of the government as a charity either. That whole concept makes me laugh. Not everyone thinks like you, especially this cou...
by Reubin
Mon Jul 30, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

NotWhoYouThink wrote:
Mon Jul 30, 2018 3:06 pm
Who is the trustee? Who is the beneficiary of the remainder after the sister dies?
I'll be the trustee and there won't be another beneficiary.
by Reubin
Mon Jul 30, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

While the OP is futzing around with strategies, his friend is going to die without a will and the money will be distributed as state law specifies. If I were him, I'd ask the attorney to promptly draw up a will leaving everything to the sister, and then if there is more time, a subsequent will can ...
by Reubin
Mon Jul 30, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

Some of the comments above strike me as ironic considering how much time and effort go into discussion of strategies to minimize taxes on this forum. I've never really thought of the government as a charity either. That whole concept makes me laugh. Edited to add: Sorry for your impending loss. Goo...
by Reubin
Mon Jul 30, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

OP, Here's another way of saying what has already been said. Your friend's assets are his until he dies. After he dies and all debts have been settled and taxes are filed, they belong to whoever the state says are the default beneficiaries for his state, unless he draws up a will or trust to say ot...
by Reubin
Sun Jul 29, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

Three points: 1. Perhaps the friend's assets would provide a higher standard of care for his sister. 2. The OP's friend has stated that he wants the assets to go to the sister. As the OP stated in a subsequent post, these are his friend's assets and he has indicated his choice. So, I don't see wher...
by Reubin
Sun Jul 29, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

... Thank you very much for this! So, just to verify, he could set up a trust for his sister with discretionary distributions with the balance at her death going to or in further trust for whomever he would leave his estate to if she predeceased him. Should he name someone as executor to distribute...
by Reubin
Sun Jul 29, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

Three points: 1. Perhaps the friend's assets would provide a higher standard of care for his sister. 2. The OP's friend has stated that he wants the assets to go to the sister. As the OP stated in a subsequent post, these are his friend's assets and he has indicated his choice. So, I don't see wher...
by Reubin
Sun Jul 29, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

If he wants to provide for his sister (even though as a practical matter, as you point out, it may not accomplish anything), he should provide for her in trust rather than outright, with the balance at her death going to or in further trust for whomever he would leave his estate to if she predeceas...
by Reubin
Sun Jul 29, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

If he wants to provide for his sister (even though as a practical matter, as you point out, it may not accomplish anything), he should provide for her in trust rather than outright, with the balance at her death going to or in further trust for whomever he would leave his estate to if she predeceas...
by Reubin
Sun Jul 29, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

If he wants to provide for his sister (even though as a practical matter, as you point out, it may not accomplish anything), he should provide for her in trust rather than outright, with the balance at her death going to or in further trust for whomever he would leave his estate to if she predeceas...
by Reubin
Sun Jul 29, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

Re: What Should I Do About A Dying Friend's Assets?

If he wants to provide for his sister (even though as a practical matter, as you point out, it may not accomplish anything), he should provide for her in trust rather than outright, with the balance at her death going to or in further trust for whomever he would leave his estate to if she predeceas...
by Reubin
Sun Jul 29, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5604

What Should I Do About A Dying Friend's Assets?

I have an elderly friend (89) who is dying and has entered hospice care. He has a short time left and is bedridden but still somewhat functional mentally. He has 2 siblings and none of the three of them have any other relatives at all. His brother is estranged and 93 years old. His sister, who he ha...
by Reubin
Wed Jul 11, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 4453

Re: Tipping in a hotel room/cruise ship room

Cruises are now automatically taking $15 pp per day. For a couple that's $30 per day, $210 per week, or $300 for a 10 day cruise. That's a lot of money, sometimes half of the actual cost of the entire cruise. What I do is to go to the front desk at the end of the cruise and reduce these automatic ti...
by Reubin
Tue Jun 12, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: What To Do About 2001 Honda Odyssey With No AIr
Replies: 16
Views: 1510

What To Do About 2001 Honda Odyssey With No AIr

We have a 2001 Honda Odyssey that still drives well and is used as a transport vehicle for my wife's flea market business. This spring the air conditioning failed as the refrigerant all leaked out. The mechanic added more refrigerant and it leaked out again but he used a dye and said that he located...
by Reubin
Tue Jun 12, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 6248

Re: When should you consider removing the collision coverage on a car?

I removed the collision/comprehensive on my 10 year old Toyota Avalon with 330,000 miles on it as soon as I retired, because I wouldn't need to use the car as much for commuting. A month later the car was washed away in Hurricane Sandy. It cost me about 10K!
by Reubin
Mon Jun 04, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 37
Views: 10999

Re: Dehumidifier for humid basement. I want one that lasts.

Buy one from Bed Bath and Beyond. I know it sounds crazy, but their return policy is quietly ridiculously awesome. They'll exchange basically anything if it quits working on you, and it technically doesn't even matter how long ago you made the purchase. You don't even need a receipt or the packagin...
by Reubin
Mon Jun 04, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4544

Re: steel cut oats in bulk

atlanta_dad wrote:
Thu May 31, 2018 1:25 pm
Where do you buy Bob's red mill steel cut oats in larger quantities like 5 lbs or more. On Amazon.com I found 25 lbs bag, which is too much for me and all others are 24 oz or less,

Thanks in advance
Buying steel cut oats in bulk will lead to bulk in more ways than one. Sorry, I couldn't resist.
by Reubin
Mon Jun 04, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3823
Views: 1079719

Re: What Movie Have You Recently Watched?

Trading Places , on Netflix. This is a very funny 1983 movie starring Eddie Murphy, Dan Ackroyd, Jamie Lee Curtis, Ralph Bellamy, Don Ameche and Denholm Elliott. I was inspired to watch again by a Boglehead's forum discussion about commodities trading, link . Apparently the portion of Dodd-Frank pr...
by Reubin
Mon Jun 04, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3823
Views: 1079719

Re: What Movie Have You Recently Watched?

We just went to see Solo and we loved it. I recommend it. Solo: A Star Wars Story, about the beginnings of Han Solo, was excellent. Saw it today. The young actor gave a plausible interpretation of the character that Harrison Ford took on. And Woody Harrelson was just excellent. As was the young Lan...