Search found 1282 matches

by Raymond
Sat Dec 15, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Nice gifts for young kids
Replies: 33
Views: 2531

Re: Nice gifts for young kids

If the 4- and 2-year-olds aren't allergic, and their parents are ok with it, huge Hershey chocolate bars and crisp $20 bills (how many is up to you) inside holiday cards. The baby? You got me there - maybe something on this page: https://pregnantchicken.com/100-great-gifts-ideas-for-babies-under-one/
by Raymond
Fri Dec 14, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 2832

Re: Is it difficult to change a baby's legal name?

OP, James is a great name.

As long as you didn't name him "Sue" (disclaimer: bad language)
by Raymond
Thu Dec 13, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: Ok to invest in an LLC?
Replies: 27
Views: 1215

Re: Ok to invest in an LLC?

A friend of mine is starting a new company which I'd like to make a small investment in. I have lots of experience investing in private companies but this one is different since the founder is particularly inexperienced and he isn't thinking about VCs... (emphasis added) This is the part where I wo...
by Raymond
Mon Dec 10, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 61
Views: 6888

Re: Article: Your love of index funds is terrible for our economy

Meh. Clickbait.

Might as well have been an article titled "I Gave Birth to Elvis' Alien Love Child" - all they want is the clicks for advertising purposes.

And, yes, I clicked on it :P
by Raymond
Thu Dec 06, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1877

Re: How to cheaply replace my smartphone?

As above, I'd recommend getting a *new* Verizon-compatible unlocked Moto G5+, G5s+, G6 or G6 Play, then bring it to a local Verizon store to have them activate it (if your SIM card from your previous card doesn't work.) Avoids the used battery problem, as well as the bloatware that is installed on t...
by Raymond
Thu Dec 06, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell?? 1,118.75% gain!!
Replies: 26
Views: 3837

Re: Should I sell?? 1,118.75% gain!!

If you sell, don't spend all the money in one place :D

If only you'd bought <Dr. Evil pinky finger to lips> ONE MILLION DOLLARS of the stock back in the day.
by Raymond
Sat Dec 01, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Manager suddenly passed away - New manager ethical dilemma
Replies: 24
Views: 4606

Re: Manager suddenly passed away - New manager ethical dilemma

"Time to say goodbye."

Don't bother with the ethics reporting, just vote with your feet.
by Raymond
Mon Nov 26, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: ideas for a Xmas holiday in central Europe
Replies: 22
Views: 2098

Re: ideas for a Xmas holiday in central Europe

In addition t Prague, I would suggest visiting Budapest and Paris and Amsterdam. In a twelve-day trip? Not sure if serious... Or do you mean the next time OP and his wife go to Europe? :happy ----- OP, in my opinion, twelve days divided between two locations would be best (including day trips to ne...
by Raymond
Fri Nov 16, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6363

Re: Cremation seminar – with complimentary lunch

JMacDonald wrote:
Thu Nov 15, 2018 9:40 pm
If you are a veteran, you have burial benefits:
https://www.cem.va.gov/burial_benefits/
Thanks for the link!
MJW wrote:
Fri Nov 16, 2018 12:39 am
cheese_breath wrote:
Thu Nov 15, 2018 9:55 pm
Smart Cremation?
What's next, multifactor cremation?

I prefer a low cost index cremation.
Smart Beta Incineration (SBI)™ :happy
by Raymond
Tue Nov 13, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone change career/ start over again?
Replies: 8
Views: 1897

Re: Anyone change career/ start over again?

I am currently in the military (Australia) and the job does not really come with the qualifications for good civilian careers Combat arms? Support? How many years service? Have you visited the Australian Department of Veterans' Affairs website ? Also, RSL Defence Care You might consider changing th...
by Raymond
Sun Nov 11, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 39
Views: 5144

Re: USAA getting out of mutual fund biz

I've been a USAA member for over thirty years - insurance and banking.

Transferred what little I had with them in mutual funds and individual stocks over to Vanguard about ten years ago, never looked back.
by Raymond
Wed Nov 07, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: How much to donate to local police and fire department?
Replies: 23
Views: 1820

Re: How much to donate to local police and fire department?

Got letters asking to donate to both. The fire department is volunteer run ( not sure what exactly that means ). I plan to give $50 to each. But not sure if I should give more? What criteria would you use to determine the amount? (emphasis added) Here's a link: Volunteer fire department - Wikipedia...
by Raymond
Mon Nov 05, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Diamonds [Earrings and ring]
Replies: 24
Views: 2633

Re: Diamonds [Earrings and ring]

iracks wrote:
Sun Nov 04, 2018 5:08 pm
Thanks everyone
Hah!

You can't just revive your own thread from February 2018 and not tell us what you decided to do :D
by Raymond
Mon Nov 05, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Career License/Certification suggestions please
Replies: 11
Views: 1043

Re: Medical Career License/Certification suggestions please

The PA seems too difficult too. "Display interpersonal communication skills providing ability to communicate and manage as a mid-level provider with other health care providers, nursing, technicians and staff to provide optimal patient care." In the context of this thread, I believe that "PA" means...
by Raymond
Thu Nov 01, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Stock basis for widow
Replies: 32
Views: 1052

Re: Stock basis for widow

Difference between community property and common law states:

"Common-Law Property Versus Community Property"
by Raymond
Sun Oct 21, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8737

Re: Quitting w/o notice

OP, whatever you decide to do, start getting your personal stuff out of your office (family pictures, etc.), and clearing any personal information off your computer.

Just in case they walk you out without letting you go back to your desk.
by Raymond
Fri Oct 19, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: The End of Indexing?
Replies: 33
Views: 4288

Re: The End of Indexing?

Niels Jensen is the CIO and founder of Absolute Return Partners (ARP), based in the United Kingdom. Formerly with "Sherson" (according to his bio page on ARP - did they mean "Shearson"?) Lehman, Goldman Sachs, Oppenheimer, etc. https://www.arpinvestments.com/who-we-are According to the website, they...
by Raymond
Thu Oct 18, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17091

Re: Where would you go for financial guidance if you win the Megamillions?

I've posted this here before, and the original link is from 2009, but here it is again:

(Warning: NSFW language, and the link is to the general discussion forum of a firearms website)

"Austrian's Semi-Annual 'Guide For Recent Lottery Winners (Or Deluded Hopefuls)' Post" - www.ar15.com
by Raymond
Mon Oct 08, 2018 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 1934

Re: Investment advice for a friend in her nineties

I think you've done all you can be reasonably expected to do.

If you make any further recommendations, and she acts on them, who do you think will be blamed (by her or by her relatives) if things go south afterwards?
by Raymond
Wed Sep 19, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 56
Views: 5105

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

...the actual reps don't really even understand their own investments... The part that they do understand thoroughly is their commission on each investment they peddle :greedy OP, it's up to you if you want to spend time at the bank listening to the spiel. Personally, I'd rather do something else, ...
by Raymond
Tue Sep 18, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Over Management of $7M Portfolio - Need Review/Help Allocating
Replies: 50
Views: 4159

Re: Taking Over Management of $7M Portfolio - Need Review/Help Allocating

LFKB, Your plan is sound, but as already mentioned, I personally would not want to be a lightning rod for possible vindictive, greedy or bat-guano insane relatives. Another vote for Vanguard Personal Advisory Services . Perhaps your grandmother might convey your suggestions to Vanguard, and see what...
by Raymond
Tue Sep 18, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Fakespot vs. Reviewmeta for Amazon?
Replies: 16
Views: 1958

Re: Fakespot vs. Reviewmeta for Amazon?

OP, I just ran the Amazon iPhone case web page mentioned in your post through Fakespot, and it gives the reviews an "A" rating :confused Hmm, not sure what happened. I found another case. Please check this on both: https://www.amazon.com/Apple-iPhone-Leather-Case-Saddle/dp/B075KXPG9D/ref=sr_1_50?s=...
by Raymond
Mon Sep 17, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Fakespot vs. Reviewmeta for Amazon?
Replies: 16
Views: 1958

Re: Fakespot vs. Reviewmeta for Amazon?

OP,

I just ran the Amazon iPhone case web page mentioned in your post through Fakespot, and it gives the reviews an "A" rating :confused
by Raymond
Mon Sep 17, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap Flights
Replies: 23
Views: 2342

Re: Cheap Flights

My personal preference is to fly on Southwest Airlines whenever possible.

If not possible, then go to Google Flights, but as already mentioned, book with the airline directly.
by Raymond
Mon Sep 17, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Want to buy Home - But not sure!
Replies: 7
Views: 602

Re: Want to buy Home - But not sure!

In your situation (possible job change for you, possible further schooling/returning to work for your wife), I would definitely rent, either a larger apartment or a house. I almost bought a house when I was starting my present career in the mid-1990s - my then-girlfriend (now wife) who was visiting ...
by Raymond
Mon Sep 17, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: “Costly race to bottom on mutual fund fees”
Replies: 13
Views: 1880

Re: “Costly race to bottom on mutual fund fees”

If the author is the same Jared Dillian mentioned in this 2011 LA Times article, interesting background:

"Former trader marks Lehman's collapse as a second chance" - articles.latimes.com, Sept.15, 2011
by Raymond
Tue Sep 11, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Allianz 222 annuity to counter sequence risk?
Replies: 10
Views: 719

Re: Allianz 222 annuity to counter sequence risk?

A fixed indexed annuity? Is this accountant also a salesman? What a nasty product. I looked it up, it also has a 10 year withdrawal penalty. Basically bond like returns that is almost illiquid due to the horrible withdrawal penalty schedule. Sillyivan , welcome to Bogleheads. Is the accountant actu...
by Raymond
Sat Sep 08, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4315

Re: Switching Careers - From IT to Police Officer

Any and all are welcome! Just for brainstorming you might consider joining the military in a cyber warfare role. I don't have a clue what that would pay or what the job would be like but that might be worthwhile looking into. A quick Google search looks like you could enter the military as an offic...
by Raymond
Fri Sep 07, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Effectiveness of McAfee Anti-Virus Protection
Replies: 10
Views: 867

Re: Effectiveness of McAfee Anti-Virus Protection

McAfee might as well be a virus itself.

Windows Defender, Malwarebytes and CCleaner for me.
by Raymond
Sun Sep 02, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: How valuable is a roth for only 1 year?
Replies: 23
Views: 1449

Re: How valuable is a roth for only 1 year?

Im maxing out 401k this year. Job just started in july. Was not offered 401k in prior job. This is also last year im eligible for roth. Thereafter i anticipate making too much. Is it still worth investing in roth or should i keep savings in in emergency fund. I currently only have 23k and anticipat...
by Raymond
Fri Aug 31, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones advising roll over 401K to their IRA
Replies: 44
Views: 3860

Re: Edward Jones advising roll over 401K to their IRA

I can't even. Indeed. Of course the EJ guy would love for you to roll over your previous employers' 401(k)s and get his sticky hands on your money. Your gut instinct is right - you can open up your Roth IRA and manage it yourself; you could leave your money where it is, but I personally like to mov...
by Raymond
Fri Aug 31, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Suddenly disabled but need to invest
Replies: 17
Views: 1924

Re: Suddenly disabled but need to invest

If it works for your age and situation, perhaps an immediate fixed annuity ? [Edit] Here's a calculator you can play with, varying the amount you wish to invest, etc.: ImmediateAnnuities.com Of course, one of the main issues with an immediate annuity is that the money goes irrevocably to the insuran...
by Raymond
Thu Aug 30, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5494

Re: How to repel wild dogs?

Since you are going to China, +1 for a nice big flashlight, like this one: Maglite LED 3-Cell D Flashlight, Black If you were going to an area that allowed legally-owned firearms, may I suggest a Callahan Fullbore Auto-Lock with a customized trigger? I have one, which I have named "Vera". Very effec...
by Raymond
Tue Aug 28, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 4084

Re: Recommend a good SOCK. Yes, I said SOCK!

I like the Wigwam brand of socks, I get mine from Amazon.
by Raymond
Tue Aug 21, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 103
Views: 6517

Re: Co-habitation agreement - ??

This might become a common-law marriage after a certain time. In some states it is 1 year, others 7 years. This lady should read up on common-law marriage. Perhaps he is counting on that after he lives there a few years, and part of her wealth will be his then. Most states do not have common-law ma...
by Raymond
Tue Aug 21, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 103
Views: 6517

Re: Co-habitation agreement - ??

I am getting bad vibes about the situation. If she is not interested in getting married again, then why have this guy live with her? If he loves her, then he should be happy to keep seeing her while living in his own place. If he has ulterior motives, then moving in would be the perfect setup (for h...
by Raymond
Mon Aug 20, 2018 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a pile of cash?
Replies: 16
Views: 2135

Re: What to do with a pile of cash?

In your situation, I would make extra monthly payments towards the principal, and only pay it off entirely when you get the mortgage down to an amount in your lump-sum comfort zone. Which is what I did - extra payments for several years until I got it down to around $35,000, then paid it off entirel...
by Raymond
Mon Aug 20, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: How to Begin with 1M
Replies: 117
Views: 15093

Re: How to Begin with 1M

Of course, the very first step is to fire your advisor immediately. Send a polite but firm thank you note saying their services are no longer needed. He shouldn't even have to do this. Just open an account with Vanguard, and work with them to get the money transferred. Agreed. OP, if you want to av...
by Raymond
Thu Aug 16, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 3008

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: 2765

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: 7430

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: 3565

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: 56
Views: 5757

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: 3565

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: 1978

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: 1978

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: 1363

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: 5044

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