Search found 1435 matches

by Raymond
Wed Nov 13, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 21
Views: 1596

Re: Looking at buying a foreclosure Dallas area cash

Also do the calculation, that after doing your due diligence, looking for contractors and tradespeople, time and money spent in fixing possible problems with the house, angry tenants, etc... That it might be worth your while just to buy a "regular" house, especially since you're not doing this as a ...
by Raymond
Wed Nov 13, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11068

Re: Saving seats on Southwest

I don't get the thread, I was under the impression that the check-in agent/machine is the one/thing that decides your seat number and it is printed on the boarding pass! Is SW following a different protocol? Sorry for the stupid question. Southwest Airlines boarding system: "Boarding the Plane" - s...
by Raymond
Wed Nov 13, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: Money Revealed
Replies: 8
Views: 1559

Re: Money Revealed

"Money Revealed" is a series of interviews by Robert Kiyosaki of "Rich Dad, Poor Dad" notoriety. SSM1, how did the family friend reconnect with you, and when was the last time she had spoken with you? Unfortunately, I have become cynical enough that whenever I hear from a long-lost friend, my first ...
by Raymond
Tue Nov 12, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to shop for term life insurance
Replies: 8
Views: 471

Re: How to shop for term life insurance

28fe6 wrote:
Tue Nov 12, 2019 6:27 pm
Just for future reference, for 20-year [Lifefy] was showing $50 for $350k and term4life is showing quote for 1M of about $62.
For what age and rating class?

+1 to the suggested sites above.
by Raymond
Tue Nov 12, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to shop for term life insurance
Replies: 8
Views: 471

Re: How to shop for term life insurance

Lifefy won't work for you - maximum policy amount of $350,000:

https://nophysicaltermlife.com/lifefy/

Also, the policies are issued by SBLI of Massachusetts, Lifefy is an online agent.
by Raymond
Mon Nov 11, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Need to add houseguests to homeowners or umbrella insurance?
Replies: 17
Views: 1096

Re: Need to add houseguests to homeowners or umbrella insurance?

How are your in-laws covered for health insurance?
by Raymond
Mon Nov 11, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Job negotiation 101?
Replies: 14
Views: 959

Re: Job negotiation 101?

Salaries in education tend to be lower then in the private sector so I would doubt that they will be able to match your current salary (unless you are going them in a rainmaker type fundraising position). If it is a prestigious place may would work for a lower salary to add the luster of a universi...
by Raymond
Sat Nov 09, 2019 11:24 am
Forum: Personal Investments
Topic: Windfall
Replies: 21
Views: 2106

Re: Windfall

test123 wrote:
Sat Nov 09, 2019 9:03 am
...Any debt is interest free, except mortgage —190k principal at 2.8 APR (appx 300k equity)...
(emphasis added.)

What are the other (non-interest-charging) debts?
by Raymond
Tue Nov 05, 2019 11:14 am
Forum: Personal Investments
Topic: Inexperienced investor needing help with $1+ million portfolio
Replies: 23
Views: 4775

Re: Inexperienced investor needing help with $1+ million portfolio

Congratulations on paying off the mortgage :sharebeer

Make sure the mortgage lender follows up with the proper paperwork; also, you'll be paying your property taxes directly from now on:

"Mortgage Paid Off: Next Steps" - hsh.com
by Raymond
Mon Nov 04, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3834

Re: Wedding gift from brother

Katietsu wrote:
Mon Nov 04, 2019 9:46 am
...After my sister in law got blacklisted for returns because of shower/wedding gifts, I learned my lesson about picking a gift that is not on the registry.
This sounds interesting - who blacklisted her, the store or the relatives?
by Raymond
Mon Nov 04, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Portable Lantern
Replies: 16
Views: 1026

Re: Portable Lantern

As above, a combination of a lantern (area lighting) plus a headlamp (hands-free task lighting). More importantly, I would have electric service restarted even though no one is staying there. There may be systems that need to be kept running to prevent damage to the house (sump pumps, for example), ...
by Raymond
Mon Nov 04, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Should I use a lawyer
Replies: 20
Views: 2959

Re: Should I use a lawyer

Have you called your insurance company yet?
by Raymond
Mon Nov 04, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: laddering life insurance
Replies: 22
Views: 1090

Re: laddering life insurance

I just kicked off applying for life insurance and I've been crunching a bunch of numbers and I've basically got something like this... How old are you, your spouse, and children (if any)? Thirty years seems a like a rather long term, unless you're in your 20's. I'm in my mid-50's, and my twenty-yea...
by Raymond
Mon Nov 04, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3834

Re: Wedding gift from brother

It is not expensive but when we got married someone gave us a nicely matted and framed copy of our wedding invitation that also had some pressed flowers in it. 30+ years latter that is the only wedding gift that we still have and it is in a back bedroom... That is fantastic! OP, there's an idea. An...
by Raymond
Thu Oct 31, 2019 7:06 pm
Forum: Personal Investments
Topic: If I save $65,000 a year for the next 25 years
Replies: 34
Views: 4220

Re: If I save $65,000 a year for the next 25 years

Depending on your expenses in the future, maybe it will be enough.

Do you live in an expensive area? Future hobbies or travel?

Need more information.
by Raymond
Wed Oct 30, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?
Replies: 52
Views: 4687

Re: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?

nonfacebookuser365 wrote:
Wed Oct 30, 2019 10:25 am
Jimmy Johns
+1, but I like the "Unwich" option (lettuce wrap instead of bread.)
by Raymond
Wed Oct 30, 2019 11:32 am
Forum: Personal Investments
Topic: Inexperienced investor needing help with $1+ million portfolio
Replies: 23
Views: 4775

Re: Inexperienced investor needing help with $1+ million portfolio

Thanks for the updated post.

Did you pay off the mortgage yesterday? :D

Nothing else to add to the excellent suggestions above.
by Raymond
Sun Oct 27, 2019 10:28 am
Forum: Non-US Investing
Topic: [Non-US] Planning to meet a wealth management advisor for education
Replies: 16
Views: 1010

Re: [Non-US] Planning to meet a wealth management advisor for education

If you have no interest in going with this we guy, I don’t think it’s a good idea. For one thing, you are wasting his time. Everyone has a right to make a living, and wasting someone’s time when you have no intention in using their service doesn’t seem right to me. Hahah it's ok that these parasite...
by Raymond
Sun Oct 27, 2019 8:49 am
Forum: Personal Investments
Topic: Inexperienced investor needing help with $1+ million portfolio
Replies: 23
Views: 4775

Re: Inexperienced investor needing help with $1+ million portfolio

OP, welcome back to Bogleheads! Here's your initial thread from January 2014: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=131603&p=1937764#p1937764 Many posters there suggested paying off your $110,000 mortgage then, but you never came back to that thread. Since you didn't pay it off then, ...
by Raymond
Mon Oct 21, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help on Whole Life Policy
Replies: 18
Views: 1317

Re: Help on Whole Life Policy

"...He basically said he was not making much on the policy and was doing it as a favor for us based on the IBC concept by maximizing the cash value aspect of it... Oh, I'm sure your "friend" made enough of a commission on the policy... :greedy But I've been in that situation too :( You might check ...
by Raymond
Sat Oct 19, 2019 12:31 pm
Forum: Personal Investments
Topic: Got tricked into a VUL, $40K already in - Need advice with my options
Replies: 22
Views: 3143

Re: Got tricked into a VUL, $40K already in - Need advice with my options

OP, as an aside, who is the beneficiary on your policies?

I hope it's not your ex-boyfriend :shock:
by Raymond
Fri Oct 18, 2019 11:52 pm
Forum: Personal Investments
Topic: Got tricked into a VUL, $40K already in - Need advice with my options
Replies: 22
Views: 3143

Re: Got tricked into a VUL, $40K already in - Need advice with my options

confused0_0 , welcome to the Bogleheads. Thanks for posting the links to the statements (BTW, the links are legitimate .pdf files of scanned account statements with personally identifiable information redacted). I don't have any useful specific advice to offer about your policy details, but I am gl...
by Raymond
Sun Oct 13, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: How to prevent shoe creases?
Replies: 18
Views: 1960

Re: How to prevent shoe creases?

I wore dress shoes for decades. Allen-Edmunds for most of the years but for me, the best routine was to use shoe trees religiously, try not wear the same pair two days in a row and use shoe cream and polish frequently to keep the leather supple. My shoes would typically last years if taken care of....
by Raymond
Wed Oct 09, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Office Startpage for Web Browser
Replies: 11
Views: 907

Re: Office Startpage for Web Browser

BBC or AP News or Reuters.
by Raymond
Fri Oct 04, 2019 9:04 pm
Forum: Investing - Theory, News & General
Topic: Variable annuities
Replies: 11
Views: 1257

Re: Variable annuities

I hope the OP returns with additional information.

Unless he's doing the selling, in which case he needn't bother :greedy
by Raymond
Fri Oct 04, 2019 8:52 pm
Forum: Personal Investments
Topic: Merrill Lynch Advisor wants to meet for coffee
Replies: 108
Views: 9623

Re: Merrill Lynch Advisor wants to meet for coffee

cheese_breath wrote:
Sun Sep 29, 2019 4:15 pm
NotWhoYouThink wrote:
Sun Sep 29, 2019 2:03 pm
.... He wants to syphon money from you....
Like drinking coffee through a straw?
No, like this:

"Siphon Preparation Guide" - bluebottlecoffee.com

Pretty fancy way to drain money out of your pocket, I mean, brew coffee :happy

Good job to OP for avoiding the meeting.
by Raymond
Thu Oct 03, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 8386

Re: Wedding Finances-Today

...Let us assume that wedding planners have traits in common with financial advisors! Exactly. That article would have been much more useful if they showed the median cost of a wedding. Especially with the data likely having a lot of outliers, both low and high. But that wouldn't serve the interest...
by Raymond
Sun Sep 29, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4404

Re: Mouse in the house

Cats are natural defenses against mice. In fact, a parasite in a mouse's brain is controlled by a chemical in a cat's urine so the mere smell of a cat's urine drives the mouse away... Actually, it's the other way around - a mouse is naturally afraid of cats, but the brain parasite makes the mouse u...
by Raymond
Mon Sep 23, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: When to give notice
Replies: 29
Views: 3831

Re: When to give notice

Congratulations and good luck at the new job!

What was the reaction of the HR person when every one of your answers was the same? :D
by Raymond
Sun Sep 22, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Stump Grinder - Ridiculous Side Hustle??
Replies: 51
Views: 7405

Re: Stump Grinder - Ridiculous Side Hustle??

Many activities which are enjoyable as hobbies cease to be fun when they become a job.

In your situation, I would focus on medical sales and continue digging up my own stumps :happy
by Raymond
Fri Sep 20, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Calls to sell a property I don't own
Replies: 8
Views: 929

Re: Calls to sell a property I don't own

As a general rule, I don't answer calls from phone numbers I don't recognize - they all go to voice mail (if they even bother to leave a message.)

+1 to the lowball offers, they probably have your name incorrectly associated with the properties.
by Raymond
Fri Sep 20, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Sold my S Corp Business - Should I File Unemployment?
Replies: 9
Views: 926

Re: Sold my S Corp Business - Should I File Unemployment?

Collecting Unemployment Benefits in Texas - nolo.com

From the linked page:

Reasons for Unemployment:
You must be out of work through no fault of your own to qualify for unemployment benefits in Texas...


(emphasis added)

I'd say selling your business was your "fault" :D
by Raymond
Thu Sep 19, 2019 1:40 pm
Forum: Non-US Investing
Topic: What to Recommend to Interested Friends
Replies: 20
Views: 1247

Re: What to Recommend to Interested Friends

If asked for financial advice, I never tell anyone what *they* should do, but what *I* would do in their situation. "If I had your 401(k), I would go with the Target Retirement 2525 fund, but that's up to you." :happy That way they can't blame you if the market drops next week. But they might blame ...
by Raymond
Thu Sep 19, 2019 11:02 am
Forum: Personal Investments
Topic: Newly widowed need investment advice
Replies: 35
Views: 2204

Re: Newly widowed need investment advice

OP, welcome to Bogleheads. My condolences on the passing of your loved one. It's nice that the Fidelity adviser's crystal ball is working, not just about the possible "down cycle", but also that index funds don't do well in recessions - which index funds (there are all sorts of indexes), and how wou...
by Raymond
Sat Sep 14, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 29676

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Two relatively new Toyota Corollas that were purchased with cash Vacations: $100 (vacations are mostly paid for by churning credit cards for miles and points) Restaurants: $250 (we go to inexpensive places like Chinese restaurants or Subway) Clothing/Shoes/Hair/Nails: $50 We live very comfortably -...
by Raymond
Sat Sep 14, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 29676

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Ron Ronnerson, Thanks for taking the time to explain how you' and your wife have arranged your financial and personal lives while living decently in what many people (including me in a Dallas suburb ) would consider to be a very HCOL area. Also: Anyone may arrange his affairs so that his taxes shall...
by Raymond
Thu Sep 12, 2019 12:12 am
Forum: Investing - Theory, News & General
Topic: Day Trading for a Living?
Replies: 44
Views: 4073

Re: Day Trading for a Living?

Northern Flicker wrote:
Wed Sep 11, 2019 11:18 pm
This will come as difficult news to this community, but according to this paper, basically nobody makes money day trading.
What is difficult about news reporting something most of us already knew?
You missed the OP's sarcasm discussion a few posts up.
by Raymond
Fri Sep 06, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Mensa membership
Replies: 90
Views: 7402

Re: Mensa membership

greg24 wrote:
Fri Sep 06, 2019 10:45 am
I thought we already had a thread for elite social clubs for adults.
Can I subscribe to your newsletter? :P
by Raymond
Fri Sep 06, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Should I join an elite social club for adults?
Replies: 27
Views: 3355

Re: Should I join an elite social club for adults?

I thought Bogleheads was an elite social club :confused

If it's not, I want my dues payments refunded ASAP.
by Raymond
Thu Sep 05, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Career change at 36- Finance to Nursing/PA?
Replies: 40
Views: 3849

Re: Career change at 36- Finance to Nursing/PA?

I've been a PA for over twenty years, and my wife is an ER RN (25+ years) A question you should ask yourself (as was mentioned above): "How do I deal with situations that many people would find completely disgusting or horrible?" Because you will be in those situations, whatever program you choose. ...
by Raymond
Fri Aug 30, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Co-sponsoring an immigrant's sick family member [Updated]
Replies: 47
Views: 4666

Re: Co-sponsoring an immigrant's sick family member

In his home country, Juan worked for the government in an anti-narcotics role, and he was forced to flee when the narcos figured out his identity. His story sounded fishy to me from the very beginning unless you misunderstood something. If he worked for the government in anti-narcotics, he WAS THE ...
by Raymond
Fri Aug 23, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Wedding stuff
Replies: 19
Views: 1949

Re: Wedding stuff

Sounds good, but as mentioned above, please save the speeches for the wedding reception.

Just because you have a PA system doesn't mean you have to use it (aside from the welcoming remarks).

Those "short speeches" have a tendency to drag on and on :wink:
by Raymond
Sat Aug 17, 2019 3:56 pm
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 59
Views: 7834

Re: Don’t put new money in market right now??

What did the Fidelity advisor suggest instead? Variable annuities? :greedy
by Raymond
Sat Aug 17, 2019 2:05 pm
Forum: Personal Investments
Topic: Stock Goes to Zero - Capital Loss?
Replies: 9
Views: 1403

Re: Stock Goes to Zero - Capital Loss?

OP, are you talking about Weatherford International PLC (WFTIQ ) or Wavefront Technology Solutions Inc (WFTSF) ? Both are almost worthless, although Weatherford is closer to zero than Wavefront :( Here's the procedure for reporting a capital loss on a worthless stock: "I own stock that became worthl...
by Raymond
Fri Aug 16, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8847

Re: Taking a break in your 50s: Is it the kiss of death?

What kind of work do you do (in general terms)? Is it possible to stop doing or delegate some of the tasks you currently perform that are of minimal or no value to your employer? If you can, just stop doing the Mickey Mouse stuff (maybe clear this first with your supervisor, if you have one) and foc...
by Raymond
Thu Aug 15, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Niece divorce - house questions
Replies: 44
Views: 3914

Re: Niece divorce and house

Thanks for the responses, and she engaged an attorney at the beginning of the process. My reason in asking for some insight is a tiny voice in the back of my head is telling me she might come to me (actually my wife) asking for money.... My wife and I already agreed on the answer, if asked, is no. ...
by Raymond
Mon Aug 12, 2019 11:24 pm
Forum: Personal Investments
Topic: Can having wealthy parents be a justification for a more aggressive investment strategy?
Replies: 97
Views: 7797

Re: Can having wealthy parents be a justification for a more aggressive investment strategy?

Welcome to the Bogleheads. One could make a strong case that you would have been better off *not* knowing about your parents' financial situation. Better to assume you won't get a blessed thing, then anything you do inherit will be gravy. What asset allocation (stock/fixed income) were you thinking...
by Raymond
Mon Aug 12, 2019 10:11 pm
Forum: Personal Investments
Topic: Can having wealthy parents be a justification for a more aggressive investment strategy?
Replies: 97
Views: 7797

Re: Can having wealthy parents be a justification for a more aggressive investment strategy?

Welcome to the Bogleheads. One could make a strong case that you would have been better off *not* knowing about your parents' financial situation. Better to assume you won't get a blessed thing, then anything you do inherit will be gravy. What asset allocation (stock/fixed income) were you thinking ...
by Raymond
Mon Aug 12, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Polish Beer
Replies: 24
Views: 1690

Re: Recommendations for Polish Beer

From Google, it looks like "Polish syrup" is fruit syrup in different flavors (cherry, raspberry, black currant, etc.)
by Raymond
Mon Aug 12, 2019 5:55 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17162

Re: Wellesley 56.05% drop today

Morningstar shows a -0.22% drop as of 5:40 p.m. today:

https://www.morningstar.com/funds/xnas/vwinx/quote