Search found 1267 matches

by Raymond
Sun Oct 21, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 118
Views: 6301

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: 4049

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: 152
Views: 12515

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: 1849

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: 4847

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: 4109

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: 1655

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: 1655

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: 2309

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: 575

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: 1844

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: 706

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: 4222

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: 860

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: 1437

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: 3781

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: 1900

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: 5451

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: 4031

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: 6433

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: 6433

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: 2105

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: 14892

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: 2955

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: 2701

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: 7310

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: 3501

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: 5499

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: 3501

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: 1933

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: 1933

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: 1311

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: 4944

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: 1314

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: 2046

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: 3059

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: 6172

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: 1361

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: 1384

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: 10769

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: 10769

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: 6331

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: 4358

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: 7092

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: 5335

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: 4715

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: 5879

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: 1868

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

Tell him to run, not walk, away from anyone from "First Command Financial Services".