Search found 1243 matches

by Raymond
Thu Aug 16, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2520

Re: Sign - Speed checked by Radar

Maybe a ground radar unit, either fixed in place, or mobile on a trailer.

Or just a state trooper vehicle with a radar unit behind the "Burma Shave" signs ?
by Raymond
Sat Aug 11, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: 28/F looking for some financial advice
Replies: 22
Views: 2537

Re: 28/F looking for some financial advice

As above - either nuke the student debt from orbit ("It's the only way to be sure") or pay it off by the end of the year. You mentioned that you were concerned about potential capital gains on the individual stocks: Apple: $2,900 Facebook: $2,400 McDonalds: $1,925 Microsoft: $4,084 Netflix: $2,084 T...
by Raymond
Sat Aug 11, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Private Banking is a trap. Don't do it!
Replies: 55
Views: 6923

Re: Private Banking is a trap. Don't do it!

DualCitizen wrote:
Sat Aug 11, 2018 8:28 pm
...The reason I haven't firmly said no is because I want to stay at the Private Bank now (due to better service).
Scylla, meet Charybdis :P
by Raymond
Fri Aug 10, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3188

Re: Offering 401k Advice to my coworkers?

iceddante wrote:
Fri Aug 10, 2018 7:32 am
...I feel like having an impartial 3rd party Fiduciary attend the office to give advice would be best, but I'll let others make that recommendation if they want...
Are you serious?

Please do not do this.
by Raymond
Thu Aug 09, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4513

Re: SocialSecurity.tools updated to include spousal benefits

Thanks to gregable (and neurosphere) for this fantastic tool! :sharebeer
by Raymond
Thu Aug 09, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3188

Re: Offering 401k Advice to my coworkers?

It's great that you were able to get the 401(k) plan switched to Vanguard. However, as mentioned previously, that's about as far as you can legally carry the ball - HR was right to send you that email. Let Vanguard's people take it from here. Even on a personal level, I would not tell co-workers wha...
by Raymond
Wed Aug 08, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand a 'Life Income Plan' ?
Replies: 19
Views: 1785

Re: Help me understand a 'Life Income Plan' ?

fastrak99 wrote:
Wed Aug 08, 2018 1:46 pm
...My initial alarm went off when the 'head honcho' was explaining all this to me, wearing a 25K audemars watch. :| :| :|
I love it!

"Where are the customers' high-end watches?" (with apologies to Fred Schwed).
by Raymond
Tue Aug 07, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand a 'Life Income Plan' ?
Replies: 19
Views: 1785

Re: Help me understand a 'Life Income Plan' ?

...While I have not compared the two back to back it does seem that this 'Life Income Plan' is a dressed up version of 'variable universal life plan' - and have a hard time understanding the way either works... You are not meant to understand the way any of it works. I doubt the salesman does eithe...
by Raymond
Thu Aug 02, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: NT
Replies: 20
Views: 1226

Re: Advisor trying to convince me to buy annuities

Yes By All Means Be Polite. He is trying to make a living. Just say "No Thank You " With a nice smile on your face.... :happy :happy :happy Then block his phone number and email address :happy How did you meet this person, and why did the subject of your finances even come up in conversation?
by Raymond
Tue Jul 31, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: DOOM!!!!! Morgan Stanley warns
Replies: 41
Views: 4780

Re: DOOM!!!!! Morgan Stanley warns

As pkcrafter wrote, I wonder how Morgan Stanley is set up to profit from this latest episode of "Inducing Fear, Uncertainty and Doubt"?

Stay the course :happy
by Raymond
Mon Jul 30, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Garage doors
Replies: 13
Views: 1204

Re: Garage doors

Replace the garage doors now, before you have snakes coming in after the mice :D
by Raymond
Thu Jul 26, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Medical records breach
Replies: 21
Views: 1964

Re: Medical records breach

...Thoughts, suspicions, advice on taking action against "Chronic Pain Speicalists"? If you want to take action against a very likely innocent party, then have at it. Don't expect them to see you as a patient ever again, though. And yes, you want your eye doctor to know your entire medical history ...
by Raymond
Thu Jul 26, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: The stock that got away
Replies: 40
Views: 2899

Re: The stock that got away

Sasquatch wrote:
Thu Jul 26, 2018 6:19 pm
How do you folks keep from loosing your mind when you miss the boat on a stock?...
I never lose my mind, since my crystal ball sees the future perfectly.

What? You don't have a crystal ball?
by Raymond
Sun Jul 01, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 66
Views: 5929

Re: Men's Cologne

I would rather smell of nothing than smell sweet. - Martial Many people come to me and they say, “Hey, how can you be such a swinging sex god?"...But I’m also a unique guy too. The kind of guy who likes to have his own special scent. Not to smell like every other guy. I like to have my own, individ...
by Raymond
Thu Jun 21, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Anyone use a WiFi enhancement product?
Replies: 14
Views: 1230

Re: Anyone use a WiFi enhancement product?

I futzed around with multiple wireless extenders, powerline kits, etc. until I switched to Google Wifi Mesh.

Three units more than cover my 2300 sq. ft. house.

No worries :happy
by Raymond
Fri Jun 15, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: SleepScore App
Replies: 11
Views: 1293

Re: SleepScore App

sport wrote:
Fri Jun 15, 2018 9:31 am
I also have been having sleep difficulties. I learned that there are doctors who specialize in this area. My suggestion is to ask your primary care doctor for a referral. The "sleep doctor" has helped me.
OP, you might consider being evaluated at a sleep medicine clinic.
by Raymond
Thu Jun 14, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10374

Re: I was rear ended and the other guy wants a payout!

cdu7 wrote:
Thu Jun 14, 2018 10:30 am
Notified mine immediately, uploaded tons of pictures.
Excellent.

I would let your insurance company handle it from now on, relax, and not worry whether or not they give a single red cent to the other driver.

After all, that's what you pay your insurance premiums for.
by Raymond
Thu Jun 14, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10374

Re: I was rear ended and the other guy wants a payout!

Just to clarify, did you notify your insurance company immediately after the accident?

Or are you seeking reimbursement directly from the other driver's insurance carrier?
by Raymond
Tue Jun 12, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 6042

Re: Anyone with a paid off house drop homeowners insurance

House paid off six years ago. Still have homeowner's insurance. You do what you like, but I don't think dropping HI will put any of us in "Profiles of Courage". And I basically I don't trust insurance companies, they are out to make money. Pretty hard grading standard for trustworthiness, seeing tha...
by Raymond
Fri Jun 08, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 4026

Re: Death - Prediction

Sometime between one minute from now (when a garbage truck goes out of control and crushes me as I sit at my desk at home) and thirty years from now (shot by a jealous husband as I escape out a window.) :P
by Raymond
Fri Jun 08, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -- looking for advice
Replies: 56
Views: 6800

Re: Large inheritance -- looking for advice

Sorry about your father. I would think that a person smart enough and hard-working enough to accumulate $1 million by the age of 30 would be able to manage $5 million without needing to use the services of "financial advisors", but that's just me. I personally would NOT talk to "wealth advisors" or ...
by Raymond
Tue Jun 05, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: Best case to convert a Bogle skeptic?
Replies: 56
Views: 5055

Re: Best case to convert a Bogle skeptic?

It's hard to convince someone that their life's work was total crap. Unless they were a plumber. *rimshot* --- OP, just to pile on, yes, it's a fool's errand. Just enjoy your time with your father, and if he thinks you and your husband are idiots, well, he probably thinks everyone your age is an id...
by Raymond
Thu May 24, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 million inheritance?
Replies: 32
Views: 4537

Re: How to invest $1.4 million inheritance?

What is the interest rate on the mortgage?

If it's higher than, say, the current Treasury 5-year note yield of 2.83%, and you have sufficient liquid funds for emergencies, you might consider paying off the mortgage entirely.

[Edit] Corrected "bond" to "note".
by Raymond
Sat May 19, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5606

Re: Finance a $28,000 house for Brother?

...I am the only one that approves for loans, therefore they look to me for help but I don't want to jeopardize my future either, I'm trying to get ahead!... Whatever you do, please do *not* co-sign for anyone's loans - you will be left holding the bag. I don't care if it's your brother or your bud...
by Raymond
Fri May 18, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Nephew graduating high school & joining military. Gift Ideas?
Replies: 29
Views: 1762

Re: Nephew graduating high school & joining military. Gift Ideas?

Tell him to run, not walk, away from anyone from "First Command Financial Services".
by Raymond
Tue May 15, 2018 10:01 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 10976

Re: Yes, I'm 89 all right!

Happy Birthday! :sharebeer
by Raymond
Sat May 12, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 5033

Re: How to think about schools/homes (Greatschools/Niche)

In your situation, I would stay in your present house.

Grt2bOutdoors covered pretty much what I was going to say.
by Raymond
Fri May 11, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5243

Re: Anyone buy carbon offsets when flying?

If I were that concerned about my carbon footprint, I wouldn't fly at all.

I wouldn't drive either - I'd walk to my destination :happy

Seriously, though, the plane will fly and use the fuel whether or not you are on board (unless everyone decided to cancel their reservations.)
by Raymond
Fri May 11, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5836

Re: New Car Suggestions: BMW Crapping Out

Since you have had good experiences with Toyota vehicles, and don't want another 4Runner:

- Highlander (as you have already mentioned).
- If you would consider a sedan, perhaps the Avalon or the Camry.
by Raymond
Sat May 05, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 45
Views: 3715

Re: Long term care insurance

You could apply, but it sounds like self-insuring is a better plan, assuming that you all could even qualify for LTCI.
by Raymond
Tue May 01, 2018 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: At what point should you hire a financial advisor?
Replies: 25
Views: 2544

Re: At what point should you hire a financial advisor?

As mentioned above, if you were smart enough to build a business that your portion was worth $12.1 million when you sold it, I think you're smart enough to manage your money yourself :D Definitely an accountant and an estate attorney, but do not let them manage your investments. Be skeptical of any ...
by Raymond
Tue Apr 24, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 21
Views: 1494

Re: Used car dealer-Freight charge

What type and price used cars does this place sell? Mostly older cars with a lot of miles. They just happen to be currently selling a 2016 Infiniti QX60 which I am interested in that I thought was a really good price but not as good with these extra charges. So this place mostly sells high-mileage ...
by Raymond
Mon Apr 23, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Mid May trip to Malta
Replies: 5
Views: 721

Re: Mid May trip to Malta

If they are interested in birds of prey, they might like the Malta Falconry Centre . My wife and I were there last summer, and did the full-day (5-hour) falconry experience - it's odd to have a Harris's hawk gripping your gauntleted hand with its talons, looking you straight in the eye as if to say,...
by Raymond
Wed Apr 18, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: what to do with a windfall$$$
Replies: 7
Views: 1332

Re: what to do with a windfall$$$

Welcome to the Bogleheads. Paying towards the mortgage sounds like a good idea, but it depends on the rest of your financial situation, especially whether or not you have emergency funds. I'd hold off on recommending the swimming pool and the 1984 Porsche until we see the big picture. I think you ca...
by Raymond
Mon Apr 16, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 3571

Re: Las Vegas hotel

I prefer the Embassy Suites a few blocks off the strip, no resort fee, free parking. I stayed there a few yrs ago. Free drinks in the evening. +1, nice place, breakfast made-to-order included in the price, no smoke that I recall: Embassy Suites by Hilton Las Vegas - near UNLV There is another Embas...
by Raymond
Mon Apr 09, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Account for benefit of a relative; doling out funds
Replies: 16
Views: 1195

Re: Account for benefit of a relative; doling out funds

...What you effectively want is some form of "spendthrift trust". If there aren't many special provisions and relationship with R is good, it may be that some standardized boilerplate format would be sufficient... Agreed - while there is an expense drag by using an independent trustee, I think that...
by Raymond
Fri Apr 06, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: What is Megacorp?
Replies: 62
Views: 5059

Re: What is Megacorp?

Don't forget the Umbrella Corporation, United Aerospace Corporation, Tyrell, Cyberdyne Systems, etc. :P
by Raymond
Thu Apr 05, 2018 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Are Callable CD's For Real?
Replies: 6
Views: 781

Re: Are Callable CD's For Real?

17%? I want some of what those guys are smoking. Here's a link to callable CD rates: "Best Callable CD (Certificate of Deposit) Rates" - findrates.com Nothing even close to 17%. ...It is much more likely they are going to give you a sale pitch for a variable annuity, in which case you should still r...
by Raymond
Wed Mar 14, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Should a recent college grad look for a job in the Bay Area or Texas?
Replies: 39
Views: 2989

Re: Should a recent college grad look for a job in the Bay Area or Texas?

I'd suggest your friend's parents hold off buying her a condo until she figures out what she wants to do. And as mentioned before, what does "wants to go into medicine" mean? If she wants to become an MD, DO or something else, then why not go to school for that? What was her undergraduate degree in?...
by Raymond
Fri Mar 09, 2018 12:14 am
Forum: Investing - Theory, News & General
Topic: How Index ETF is considered liquid when capital gain tax is ready to hit on liquidation
Replies: 10
Views: 1231

Re: How Index ETF is considered liquid when capital gain tax is ready to hit on liquidation

The definition of "liquidity" has nothing to do with potential taxation of any capital gains. Also, there is no current Federal income tax bracket of 30% . The maximum long-term capital gains tax is 20% , since we are talking about an investment made ten years ago. Sure, I'd rather not pay 20% of my...
by Raymond
Wed Mar 07, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: In-law advice?
Replies: 24
Views: 2679

Re: In-law advice?

Just hope both your wife and her sister have such a great time visiting with each other that they forget to ask you about financial advice :happy If your SIL does ask, just point her towards the already-mentioned "If You Can" and the Bogleheads guide. Then yell, "Who wants to go out for ice cream?!"...
by Raymond
Tue Mar 06, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Cheapest way to get spare car keys
Replies: 32
Views: 4382

Re: Cheapest way to get spare car keys

To minimize the chances of the key going AWOL, would a neck lanyard suit her purposes? Something like these (I have no personal experience with this company): Lanyards and Neck Strap Key Holders - keyring.com Particularly if she's wearing scrubs, the pockets are not always as secure as they should be.
by Raymond
Fri Mar 02, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley wants my 410K and everything else, Why?
Replies: 63
Views: 5744

Re: Morgan Stanley wants my 410K and everything else, Why?

Welcome, sdhopunk :sharebeer As already mentioned, when you decide what to do with your money, move it away from the grifter at Morgan Stanley. However, you can still make use of him - tell the USAA and church guys that you couldn't possibly leave the MS adviser, as you've been with him for so long ...
by Raymond
Thu Feb 22, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Would you pay off this debt?
Replies: 60
Views: 2707

Re: Would you pay off this debt?

My suggestions: 1. Pay off the car loan entirely. 2. Make extra payments towards the mortgage principal, until you decrease the payoff amount to the point where you just get tired of it and pay it off. 3. I personally would not include the possible inheritance in my planning. The giver(s) may use up...
by Raymond
Tue Feb 20, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 3752

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

I read it. Great story. But...let's see....each investor put up $320,000, expecting that to become $1,000,000 by the end of 10 years. Assuming that they meant $640,000 growing to $1M over 10 years, that would be a gain of 56%, or about 4.5% annualized return. Instead, it grew to $2.2M, an annualize...
by Raymond
Thu Feb 15, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Diamonds [Earrings and ring]
Replies: 13
Views: 1101

Re: Diamonds

iracks wrote:
Wed Feb 14, 2018 10:05 pm
Dear pajamas

I wanted to surprise her with both. So she doesn’t know.😊
Just as long as you're not surprised if she decides to exchange them for something else she likes better.

+1 to runner540's suggestion above.
by Raymond
Wed Feb 14, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1876

Re: Keep crows off of chimney caps

FrugalInvestor wrote:
Wed Feb 14, 2018 6:42 pm
Why not just attach some bird spike strips to the chimney caps with construction adhesive?
If that doesn't work, I say we take off and nuke the entire site from orbit.

It’s the only way to be sure.
by Raymond
Mon Feb 12, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Extreme newbie - what to do with inheritance
Replies: 10
Views: 1397

Re: Extreme newbie - what to do with inheritance

Sorry about your father's passing. Welcome to Bogleheads. My suggestions: #1: Keep your mouth firmly shut about this inheritance. Of course your siblings know, and possibly their spouses, but TELL NO ONE ELSE. Otherwise your friends, church members, neighbors, insurance salesmen, "financial advisers...
by Raymond
Sun Feb 11, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 5234

Re: Can I afford to move to a lower paying career?

I think it's unlikely that anyone said on their deathbed, "I wish I'd spent more time at the office."

"What to Do Before You Quit Your Job"

Best wishes!