Search found 176 matches

by funnymoney
Sat Oct 27, 2012 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: What triggered you?
Replies: 76
Views: 6631

Re: What triggered you?

Back in 1987 (having nothing to do with the crash) it became apparent that our current advisor for our vast savings (almost $2000!) had done us dirty -- again. Most accomplishments in my life come from the energy following being furious, and this was another case. I finally decided those advisors re...
by funnymoney
Thu Oct 18, 2012 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance
Replies: 12
Views: 929

Re: Car insurance

After more than 30 years we switched out of State Farm, largely because their rates had reached ridiulous levels and their efforts to get their customers to use them for investment purposes were insulting. Amica came up as highly recommended. 6 weeks after we switched over, I totaled my car for the ...
by funnymoney
Tue Oct 16, 2012 8:01 pm
Forum: Investing - Theory, News & General
Topic: Your Best One Line of Wisdom
Replies: 238
Views: 19935

Re: Your Best One Line of Wisdom

In terms of investing: The best advice is always FREE advice.
by funnymoney
Mon Oct 01, 2012 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: MidAmerica 403b - plan expenses
Replies: 4
Views: 488

Re: MidAmerica 403b - plan expenses

Check out one of my favorite books, "Stop the 401k Rip-Off" by David Loeper. He has formulas you can use to establish what the hidden expenses really are, and I believe that 403bs are sufficiently simiklar to 401ks in this sense. Also, please ask this question on the "403bwise" website -- an excelle...
by funnymoney
Sun Sep 02, 2012 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance - broker v. direct purchase
Replies: 8
Views: 1684

Re: Insurance - broker v. direct purchase

We used State Farm and a local broker for 40 years, but in the end they became problematic. Not the broker, just the company. So we did more research and decided to move (after 40 years!!) to Amica, which is rated very highly. Six weeks after transferring, I totalled my car, threw a PT Cruiser into ...
by funnymoney
Thu Jul 05, 2012 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why everyone needs a BIG emergency fund - a personal story
Replies: 84
Views: 12519

Re: Why everyone needs a BIG emergency fund - a personal sto

Kellyfj -- My sympathy -- and respect -- to you for what you are going through and how well you are handling it. As a retired school psych, I saw that the Asperger's can be mild, moderate or severe, and if either of the first two, your son may develop well with appropriate supports. There will be fe...
by funnymoney
Sun Jun 17, 2012 10:30 pm
Forum: Personal Consumer Issues
Topic: Reasonable August Vacation Destinations-USA?
Replies: 53
Views: 8353

Re: Reasonable August Vacation Destinations-USA?

Check out rentals on coast or lakes in Maine at the company that used to rent our house -- www.onthewaterinmaine.com
Got some great places with swimming, hiking, kayaking, and all sorts of engaging activities.
Funnym0nye
by funnymoney
Sun Jun 17, 2012 10:24 pm
Forum: Personal Consumer Issues
Topic: Employment woes and midlife crisis
Replies: 39
Views: 5309

Re: Employment woes and midlife crisis

Snyder -- You are in a difficult position, no question. You are being so courageous to speak up and look for help and ideas while you are going through this awkward time. Know that by thinking about this, seeking ideas from others, and taking the time to think through ideas that can work (without qu...
by funnymoney
Sat Jun 16, 2012 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: 45 and wondering if I should stop investing altogether?
Replies: 67
Views: 9183

Re: 45 and wondering if I should stop investing altogether?

If you REALLY are thinking about a motorcycle, make sure you have FABULOUS long term disability insurance or you can be broke in no time. When my spouse was in neuro-ICU following a medically induced stroke, you could not believe the number of motorcyclists we saw. I was shocked. Now they were cycli...
by funnymoney
Wed May 30, 2012 6:07 pm
Forum: Personal Consumer Issues
Topic: Justifying a new car purchase
Replies: 18
Views: 2495

Re: Justifying a new car purchase

Not sure why you need a 6 cylinder RAV.... I have had a base model RAV for 2 years and only once wished for a moment for a 6 cynlinder... and that was when I was trying to race someone out of the tollbooth, which was inappropriate!!! LOVE my RAV.
Funnym0ney
by funnymoney
Mon May 28, 2012 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Save for Retirement. Forget Saving for College.
Replies: 87
Views: 7348

Re: Save for Retirement. Forget Saving for College.

I certainly agree that young people should have SOME responsiblity for their education and the costs. Like they should work during college and especially vacations, and pay for their own personal expenses and books, IMHO. In many states in the last 2 yeears of high school, you can take community col...
by funnymoney
Mon May 28, 2012 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: How did you pick your estate lawyer?
Replies: 12
Views: 1496

Re: How did you pick your estate lawyer?

Asked my mother's CPA, who deals mostly with seniors and who has high ethical standards.

Depends on the state, but you may be able to put things together in a manner that does not require probate.
Funnym0ney
by funnymoney
Sat May 05, 2012 4:04 pm
Forum: Investing - Theory, News & General
Topic: does it make sense at this point - teacher 403b plan -
Replies: 9
Views: 1357

Re: does it make sense at this point - teacher 403b plan -

If you decide, American Century and Fidelity might be reasonable choices to look at. I would rather try to get rid of a bedbug infestation that try to get out of any of the others. Once she retires, she can roll her 403b account into an IRA with a company of your/ her choice. You might want to check...
by funnymoney
Fri May 04, 2012 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Did you/Do you plan to move when retiring?
Replies: 65
Views: 5027

Re: Did you/Do you plan to move when retiring?

Moved from Seattle area to Maine. Could not afford to retire there, and moved to help take care of elderly mom. Love the snow, love the SUNSHINE, love the fall. Spring is iffy. Tiny one story house on a lovely, pristine lake where it really is nice to walk (or snowshow) duirng winter, kayak during s...
by funnymoney
Sun Apr 08, 2012 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Fee only advisors
Replies: 19
Views: 1969

Re: Fee only advisors

My husband uses Pacific Asset Management in Port Orchard, WA. It's all in DFA, goes through a 3rd party -- Schwab -- (which seems safer to me), and we made him do taxes for 3 yers before he got to manage $$. AND I interviewd him for 2 years in a kayak.
by funnymoney
Sat Apr 07, 2012 4:37 pm
Forum: Investing - Theory, News & General
Topic: How would a Boglehead respond to this?
Replies: 135
Views: 7355

Re: How would a Boglehead respond to this?

They are one of Goldman Sachs, Morgan Stanley, JP Morgan, UBS.[/quote] Are you kidding? Have you read a newspaper or watched any financial news over the last 4-5 years? Have you heard these names mentioned as part of the financial crisis and problems? Look carefully and you will see that none of the...
by funnymoney
Sat Apr 07, 2012 3:27 pm
Forum: Personal Consumer Issues
Topic: [POLL] How many miles on your car?
Replies: 141
Views: 10184

Re: [POLL] How many miles on your car?

2010 RAV/4 --- 41,000 miles. Itemization for taxes showed 12,000 miles last year for medical purposes. This year looks way better, tho!
by funnymoney
Sun Mar 18, 2012 12:17 pm
Forum: Investing - Theory, News & General
Topic: fiduciary gone sideways?
Replies: 8
Views: 900

Re: fiduciary gone sideways?

Right, 555, that would be one of his many papers on these issues. He worked with many professionals and a few amateurs (me, for instance) on these issues and was generally regarded as a prime example of the highest ethics in the 401k arena. Maybe I should have attended to the old idea, "He doth prot...
by funnymoney
Sun Mar 18, 2012 10:00 am
Forum: Investing - Theory, News & General
Topic: fiduciary gone sideways?
Replies: 8
Views: 900

Re: fiduciary gone sideways?

sschullo wrote:Sad story. He was a hero of mine too. I think morningstar took his brilliant piece, "Conversations with a Fiduciary" off their website.
Thanks, Steve. But then, you have been one of my heroes, too!
by funnymoney
Sat Mar 17, 2012 6:45 pm
Forum: Investing - Theory, News & General
Topic: fiduciary gone sideways?
Replies: 8
Views: 900

fiduciary gone sideways?

Does anyone have any current information on what's happening with Matthew D. Hutcheson? He was a hero of mine, but it looks like he has run into trouble. Just wondering if anyone is aware of what has happened most recently.
funnymoney
by funnymoney
Thu Jan 12, 2012 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 14957

Re: Found $100 Bill at Walmart

Years ago while waitressing I found a fabric bag of Native American sterling silver/turquoise jewelry on the floor under a table. Turned it in, owner realized it was lost, went to desk and recovered it. She found me, thanked me, reached into the bag and pulled out a cool turquoise ring and insisted ...
by funnymoney
Mon Jan 02, 2012 3:30 pm
Forum: Personal Consumer Issues
Topic: Are you left or right handed?
Replies: 33
Views: 2054

Re: Are you left or right handed?

I'm a lefty, sort of, and one of my favorite books (a good gift!) is "The Natural Superiority of Left-Handers". Ambidextrous isn't the best choice, tho. Better would be "mixed dominance" for those of us who do some things with the left and some with the right. Lefties tend to mix things up a little,...
by funnymoney
Mon Jan 02, 2012 3:19 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2012 BOGLEHEAD CONTEST
Replies: 408
Views: 22251

Re: REGISTRATION FOR 2012 BOGLEHEAD CONTEST

Optimisim prevails... 1555.60
:sharebeer
by funnymoney
Sat Dec 03, 2011 2:19 am
Forum: Personal Finance (Not Investing)
Topic: Does a 27 year old need to be cut off?
Replies: 72
Views: 7177

Re: Does a 27 year old need to be cut off?

If she's adopted, she now has family ties! Many parents find it more dificult to be tough on adopted children since often a lot of sympathy was involved in the adoption in the first place. However, I love the idea of putting together a new family plan for the phone, thereby wiping out some extra exp...
by funnymoney
Sun Nov 27, 2011 10:51 pm
Forum: Personal Consumer Issues
Topic: Redshirting school age children
Replies: 113
Views: 6365

Re: Redshirting school age children

Bagelhead -- For many years (like 30) I was the one doing testing for children whose parents wanted them in kindergarten a year early because their birthdays were just after the cut-off date. There are MANY issues, some presented below but in no particular order. Consider the anticipated maturation ...
by funnymoney
Fri Nov 11, 2011 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS. They say I owe $13k!
Replies: 37
Views: 6945

Re: Letter from IRS. They say I owe $13k!

Happened with exactly the same, even the same amount due to my sister and BIL. They paid a few $$ out to an accountant and ended up getting about $3,000 BACK!
Funnym0ney
by funnymoney
Thu Nov 10, 2011 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Bathroom floor - what should I get?
Replies: 30
Views: 5368

Re: Bathroom floor - what should I get?

Marmoleum is cool and it's considered "green". Personaly I love tile, but a very good idea is to get GRAY grout or maybe another dark color. Not a light one. And if you get tile, carefully assess the slipperiness of it. As you get older or if you end up with a sore leg or bad back, slipping and fall...
by funnymoney
Tue Nov 08, 2011 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: AFLAC - yes or no
Replies: 11
Views: 2043

Re: AFLAC - yes or no

Had AFLAC's cancer insurance some years back at a very modest cost, relatively speaking. They came through well (though I had to call and argue may case once) and paid a sizeable amount, given the very small cancer.
Funnym0ney
by funnymoney
Tue Oct 25, 2011 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Money and in-laws
Replies: 59
Views: 7887

Re: Money and in-laws

You might check out "The Millioonaire Next Door" and it's sequels. The author explains clearly how providing $$ to family member (he is usually talking about children, but this is the same) actually cripples them by not allowing them to learn to care for themselves. Those who receive the least tend ...
by funnymoney
Sun Oct 23, 2011 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Income/ Job is THE most important. If not, BRAG!
Replies: 51
Views: 7019

Re: Income/ Job is THE most important. If not, BRAG!

We never made 6 figure salaries, but were able to save well most of our lives. When we built a house we got snookered and spent 2x as much as predicted/ planned, and spent some time on a financial cliff looking at a view that included potential bankruptcy. By delaying a lot of things in the house an...
by funnymoney
Thu Oct 20, 2011 9:30 pm
Forum: Forum Issues and Administration
Topic: Forum Upgrade Successful
Replies: 136
Views: 11076

Re: Forum Upgrade Successful

Thanks for all you do for all of us.... :sharebeer
Funnymoney
by funnymoney
Sat Oct 15, 2011 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: What do do with 403(b) from old job?
Replies: 13
Views: 1316

You are SOOOOOOOOO lucky! To have two consecutive jobs with TIAA-CREFF and Vanguard is practically a miracle as most people have far, far worse vendors. In this case, rolling it over to consolidate sounds like a good idea. If you had the usual suspects as the vendor in your current job, the best ide...
by funnymoney
Fri Sep 30, 2011 5:51 pm
Forum: Forum Issues and Administration
Topic: FORUM UPGRADE - round 2
Replies: 39
Views: 5158

Thank you for all your work.....
by funnymoney
Thu Sep 29, 2011 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much are retirees spending every year?
Replies: 39
Views: 5139

The surprise to me has been that there is always AT LEAST $500 a month that I didn't plan for or expect. Stuff just comes up. Having found out how much we're spending on heating each year (about $6000 including repairs/ service) next month's unexpected expense will be an energy audit. And then there...
by funnymoney
Tue Sep 27, 2011 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Possible scam by large investment company?
Replies: 19
Views: 2700

Have had to do these transfers several times. Never had this problem. Doesn't sound right to me at all. If this was a BANK, or an INSURANCE company, I would be even more suspicious. There are people out there who are in the business of looking into this, but I don't know wht their fees would be... F...
by funnymoney
Tue Sep 27, 2011 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Pros and Cons to living on a lake?
Replies: 39
Views: 14159

Good grief. A view over the water is a spiritual high to many of us lake-livers. But I would prefer a lake (and have one, luckily!) that has LOTS more kayakers than motorized craft. We love to watch the beavers, falcons, osprey, mink and the retriever loves to swim out for his ball. However, I have ...
by funnymoney
Tue Sep 27, 2011 4:49 pm
Forum: Investing - Theory, News & General
Topic: Switching 401k Administrators! (Hopefully)
Replies: 2
Views: 626

Good for you!! If you are successful at implementing a really fine 401(k), you will thank yourself 20 years from now! And remember, if the company really does have a decent plan, that can be a nice selling point when searching for smart new employees.... Hopefully HR will climb on board! Way to go! ...
by funnymoney
Sun Sep 25, 2011 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care
Replies: 140
Views: 9200

Both of my parents had LTC, and altho both landed in nursing homes, neither got back what they had spent. Mother had GENWORTH, which just happens to be the worst run company I have seen in several years. They were totally awful to deal with from beginning to end, and by the time they finally paid ou...
by funnymoney
Thu Sep 22, 2011 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Montessori preschool experience?
Replies: 31
Views: 4115

My youngest sone went to Montessori from about 2-1/2 to 6. My only regret is that my oldest didn't get to go. There are still PEOPLE issues. The first Montessori he went to had a teacher that just plain didn't "get" boys and his experience was negative because of her. But it was the inept person, no...
by funnymoney
Thu Sep 08, 2011 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Meeting with CFO:EmployeeFiduciary Vs JH 401K Talking points
Replies: 53
Views: 6762

The only REAL solution I know of involves switching jobs every 5 years or so and rolling each 401(k) into an IRA with a responsible company with transparency like Vanguard. You might check out David Loeper's excellent book Stop The 401(k) Rip-Off. He actually gives you strategies and formulas for un...
by funnymoney
Thu Sep 08, 2011 4:41 pm
Forum: Personal Consumer Issues
Topic: Selected photos from my recent tour in the Pacific Northwest
Replies: 18
Views: 2451

AHHH!! Love the Deception Pass one... kayaking through there with the tide running is the bravest thing I have ever done....

Funnym0ney
by funnymoney
Wed Sep 07, 2011 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Meeting with CFO:EmployeeFiduciary Vs JH 401K Talking points
Replies: 53
Views: 6762

Well, you can try looking at all 3 sections of this Emmy Award winning program to see what John Hancock did to my husband's 401k .. http://www.youtube.com/watch?v=08UPQ3JaRek And you might look at Amazon to check on a few books... like the one by Itzoe. Finally, the people at www.401khelpcenter.com ...
by funnymoney
Sat Sep 03, 2011 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads 11 conference
Replies: 4
Views: 1067

Bogleheads 11 conference

Ummmmmmmmm... where is the information about the Bogleheads 2011 conference????

Funnym0ney :oops:
by funnymoney
Sun Jul 31, 2011 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Who has retired early? What age and what amount did you have
Replies: 108
Views: 25446

Retired at 58 then worked part time. Spouse retired at 63 largely due to recession affecting his company. In last nearly 2 years spouse has had valve replacement and double bypass, endocarditis, heart attack and major, serious stroke. He now goes to outpatient speech and occupational therapy, where ...
by funnymoney
Sat Jun 18, 2011 10:42 pm
Forum: Personal Consumer Issues
Topic: Ideas for Maine Vacation
Replies: 41
Views: 4413

The place to go for scenic wonder and lobster when you're near Freeport is the Harraseekett (SP?) Lobster Pound in South Freeport. Very sweet, very scenic, but not cheap. If you don't want to go as far north as Acadia (heavy traffic in summer, not such a pleasant drive), try Reid State Park outside ...
by funnymoney
Sat Jun 18, 2011 10:32 pm
Forum: Investing - Theory, News & General
Topic: Read any good online articles or blogs lately?
Replies: 7
Views: 1028

Ed Seidle's blog on the Forbes website is always interesting.

Funnymoney
by funnymoney
Wed Mar 16, 2011 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for college for my son with autism
Replies: 22
Views: 4242

As a school psychologist, I worked with many of these kids and their families at various age levels. Please know that children on the spectrum can undergo enormous changes as they mature, and many of them will suitably plan on attending post-secondary educational institutions once they reach high sc...
by funnymoney
Fri Mar 11, 2011 8:32 pm
Forum: Investing - Theory, News & General
Topic: John Bogle - Presidential Medal of Freedom?
Replies: 10
Views: 3088

Great idea! While it won't be an actual change in SEC regulations or restrictions on banks, this WOULD be shining a light on investing approaches that are far superior to those that are SOLD. GREAT IDEA! The more I think about it, the more I like it!! I wonder -- is there a way for you to get a peti...
by funnymoney
Tue Mar 08, 2011 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Random Acts of Kindness?
Replies: 41
Views: 5958

Yep, Fishndoc, that brought back memories. Years ago as a new teacher I really "felt" for 1 of my kids whose father had cancer. I got an anonymous person to deliver a gift we bought for each family member (I would have been fired if the admin had found out!). In January the child revealed that those...
by funnymoney
Mon Mar 07, 2011 8:18 pm
Forum: Personal Consumer Issues
Topic: Are fried/cooked tomatoes dangerous?
Replies: 39
Views: 5463

dm200 wrote:If eating cooked tomatoes were toxic, then there would be no Italian-Americans.

Obviously not true.
Well, and Italy would be rather empty, too.
Funnym0ney