Search found 1229 matches

by Raymond
Sun Jul 01, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 66
Views: 5791

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: 1203

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: 1279

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: 10052

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: 10052

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: 5935

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: 3963

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: 6728

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: 4988

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: 4456

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: 5489

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: 1711

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: 10510

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: 4875

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: 4950

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: 5677

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: 3608

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: 2489

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: 1463

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: 702

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: 1259

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: 3434

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: 1177

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: 4948

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: 762

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: 2945

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: 1221

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: 2664

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: 4281

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: 5695

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: 2666

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: 3693

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: 1066

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: 1816

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: 1363

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: 5156

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!
by Raymond
Sun Feb 11, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: What are the structure problems with whole life insurance?
Replies: 15
Views: 1684

Re: What are the structure problems with whole life insurance?

Someone pitched me on whole life insurance... as a way to invest tax free. When I came to these boards to do some research I found that whole life gets such an icy reception that actively managed equity funds look beloved by comparison. Now I am wondering what the fatal flaw with whole life is. Thi...
by Raymond
Sat Feb 10, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: what to look for when buying a flipped house
Replies: 27
Views: 2231

Re: what to look for when buying a flipped house

A former co-worker and her husband bought a house from a flipper. When they decided to make some changes to the guest bathroom several months later, they found that the toilet wasn't bolted to the floor, and the mirror covered a fairly large hole in the drywall. So wiggle the toilets and look behind...
by Raymond
Wed Feb 07, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: donating a car to charity?
Replies: 13
Views: 808

Re: Vehicle Donation to Any Charity, LLC (V-DAC)

Consider going to CarMax and getting a price quote from them to buy your car. Usually takes less than an hour.

If the amount they offer is acceptable to you, sell the car to them and donate the proceeds to the charity.
by Raymond
Wed Jan 31, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3862

Re: How to ship two big tubs of butter internationally?

IMO, discussion of shipping methods to Australia take second place to whether he can even legally send it there (strict Australian regulations).
by Raymond
Wed Jan 31, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3862

Re: How to ship two big tubs of butter internationally?

Australia is extremely strict about importing foods. See this: "Bringing or mailing goods to Australia" And: "Shipping Food to Australia" - parcelhero.com I am pretty sure the agricultural inspection officer will open up the containers, especially if they are not commercially packaged. Personally, I...
by Raymond
Mon Jan 29, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Transamerica Life insurance/investments
Replies: 39
Views: 2287

Re: Transamerica Life insurance/investments

dodgersummer wrote:
Mon Jan 29, 2018 2:21 am
...The salesman suggested i keep contributing to my Roth IRA but replace contributions from my 457b with contributions to their life insurance and investment plans due to me getting no match on my 457b plan him getting a nice commission...
Fixed it for you.
by Raymond
Sun Jan 28, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 7221

Re: Change in "career", PA or Optometry?

...My first recommendation would be to shadow individuals in both career fields to get an basic idea of what the jobs entail... +1 Unless you've shadowed several PAs and optometrists, you have no real information to decide one way or the other, unless you have already decided (how?) that "... I wou...
by Raymond
Sun Jan 28, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Keeping a new BMW shiny!
Replies: 27
Views: 2648

Re: Keeping a new BMW shiny!

Paint deteriorates faster with exposure to ultraviolet radiation. When possible, park it in the shade - home garage or carport, parking garage or covered parking at work, under trees (not if there's a bunch of bird droppings or tree sap in the parking spot :P ) Wash and wax every so often - your cho...
by Raymond
Sat Jan 27, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 4142

Re: Which of these mechanic-recommended services would you pay for?

In the absence of specific car information - "Read the owner's manual."

I drive a 2017 Honda Accord LX sedan (silver with black interior), coming up on 12,000 miles.
by Raymond
Thu Jan 25, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant Recommends doing Whole Life Insurance
Replies: 64
Views: 5662

Re: Accountant Recommends doing Whole Life Insurance

And from whom are you supposed to obtain the whole life insurance? His golfing buddy who just happens to be an insurance agent? An example of using the tax tail to wag the dog - what's next, wildcat oil wells in West Texas? Who cares if you lose money, as long as Uncle Sam doesn't get his filthy mit...
by Raymond
Sun Jan 21, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer money to family members to take advantage of lower tax rates
Replies: 35
Views: 3730

Re: Transfer money to family members to take advantage of lower tax rates

First of all, they would blow through the zero bracket quickly. Second, what you are describing is a sham transaction and would be ignored by the IRS. OP, the recipient of the gift inherits your cost basis for capital gains purposes. If I understand it correctly, let's say you gifted stock worth $1...
by Raymond
Sat Jan 20, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Greetings from the Midwest
Replies: 7
Views: 1167

Re: Greetings from the Midwest

Welcome to Bogleheads! :sharebeer Congratulations on your investments and living within your means - I think Dave Ramsey has great advice for getting out/staying out of debt, but you'll get better investing suggestions on this board. To get more visibility and more accurate suggestions from the "hiv...
by Raymond
Mon Jan 15, 2018 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Family death, house for sale, under-valued.
Replies: 19
Views: 2656

Re: Family death, house for sale, under-valued.

It's up to you, but I personally would not buy this specific property due to all the work needed; the potential for strife between extended family members is just a bonus.

But then I'm a chicken that way :P
by Raymond
Sat Jan 13, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 11386

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

^^ The contest entry window closed at 12 midnight ET on January 10, 2018.