Search found 561 matches

by JasonR
Tue Jan 26, 2021 9:58 am
Forum: Personal Investments
Topic: Make 400K last 30 years with 2.5k monthly expenses
Replies: 11
Views: 1506

Re: Make 400K last 30 years with 2.5k monthly expenses

We did file for her unemployment and she actually made much more that way for the year :happy We've also received lots of guidance regarding public assistance from the lawyer who drew up the trust. She's quite knowledgeable in this area.
by JasonR
Tue Jan 26, 2021 9:52 am
Forum: Personal Investments
Topic: Make 400K last 30 years with 2.5k monthly expenses
Replies: 11
Views: 1506

Re: Make 400K last 30 years with 2.5k monthly expenses

Thanks to everyone for the thoughtful suggestions. If we lived in a state other than Texas, she would have more options for public assistance. But, then, our cost of living would be higher. What I'm hearing is that some of you would invest as high as 60-40. That's more aggressive than I was thinking...
by JasonR
Tue Jan 26, 2021 9:09 am
Forum: Personal Investments
Topic: Make 400K last 30 years with 2.5k monthly expenses
Replies: 11
Views: 1506

Re: Make 400K last 30 years with 2.5k monthly expenses

She is highly functioning and has a janitorial job making $400 per month, but that could disappear tomorrow because of the pandemic (and actually did for several months this past summer). Her rent will go up approximately 2% a year from current $1830/month. She's in a facility with a food plan. The ...
by JasonR
Tue Jan 26, 2021 8:31 am
Forum: Personal Investments
Topic: Make 400K last 30 years with 2.5k monthly expenses
Replies: 11
Views: 1506

Make 400K last 30 years with 2.5k monthly expenses

Longtime Boglehead here. I have a problem involving a family member we're now responsible for and I'm not sure of the solution. My MIL recently passed, leaving my wife and me in charge of her 54 year-old special needs daughter. MIL left us approximately 400K in a special needs trust to help. I need ...
by JasonR
Sat Nov 19, 2011 6:32 pm
Forum: Personal Consumer Issues
Topic: An ethical (?) question [getting free newspapers]
Replies: 29
Views: 3285

Re: An ethical (?) question

You're contributing to the needless destruction of trees by accepting the paper, especially if it's filled with five pounds of ads like our local paper is. I'd politely ask the delivery guy to stop.
by JasonR
Sat Nov 19, 2011 6:11 pm
Forum: Personal Investments
Topic: Dealing With Financially Negligent Parents/In-Laws?
Replies: 51
Views: 15301

Re: Dealing With Financially Negligent Parents/In-Laws?

you're asking them to give all this up for, what, some ephemeral sense of fiscal responsibility? sounds like they've got their financial life set right where they want it. not everyone wants to die a millionaire. many would rather die a million in debt and enjoy the difference in lifestyle while th...
by JasonR
Sat Nov 19, 2011 4:39 pm
Forum: Personal Investments
Topic: Dealing With Financially Negligent Parents/In-Laws?
Replies: 51
Views: 15301

Re: Dealing With Financially Negligent Parents/In-Laws?

... has anyone had to deal with parents/in-laws who are negligent/ignorant financially? How do you get through to them? What can open their eyes? How do you deal with people who dismiss your knowledge because you're just their kids, so you couldn't possibly know more about managing money than them?...
by JasonR
Fri Nov 11, 2011 9:32 am
Forum: Personal Consumer Issues
Topic: Interior Plantation Shutters
Replies: 12
Views: 3456

Re: Interior Plantation Shutters

My initial thinking is a five or six foot pole cut on an angle at the end with another angled thinner piece attached (probably screwed) that would fit between the closed shutters. Both pieces of the pole would have to be cushioned at the upper end so as not to scratch or mar the finished on the shu...
by JasonR
Mon Nov 07, 2011 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: How Should this accident be handled?
Replies: 31
Views: 3391

Re: How Should this Be Handled?

My 86 year old mother and my sister were going into a big chain store at night. The parking lot was rather dark and as my mother stepped up to the sidewalk in front of the store, she tripped and fell hard. ... And why don't you want to sue? I'd call a lawyer yesterday. Sad. That's a bit rude to cal...
by JasonR
Sat Nov 05, 2011 10:50 am
Forum: Personal Finance (Not Investing)
Topic: How Should this accident be handled?
Replies: 31
Views: 3391

Re: How Should this Be Handled?

ChessFan wrote:My 86 year old mother and my sister were going into a big chain store at night. The parking lot was rather dark and as my mother stepped up to the sidewalk in front of the store, she tripped and fell hard. ...
And why don't you want to sue? I'd call a lawyer yesterday.
by JasonR
Fri Nov 04, 2011 12:36 pm
Forum: Personal Consumer Issues
Topic: The Boglehead Shaving Thread
Replies: 26
Views: 2640

Re: The Boglehead Shaving Thread

40s style Gillette Superspeed (1952 model) double edge razor, Derby Extra blades bought for $10 per 100 from Ebay. Each blade gives me 4 to 5 shaves. Badger brush with Van der Hagen shave soap ($1 or so per puck at Walmart). Takes me about 10 minutes for a smooth shave.
by JasonR
Fri Nov 04, 2011 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Finances after marriage
Replies: 47
Views: 4045

Re: Finances after marriage

Where does she own her funds? In an IRA? Perhaps she does what she wants within her IRA/401k, and you do your thing with yours. Within a taxable account, I'd push for the most tax-efficient funds from the beginning. Try to create one overall asset allocation across all the accounts. Shoot for "...
by JasonR
Thu Nov 03, 2011 10:07 pm
Forum: Investing - Theory, News & General
Topic: Meet the Young Bogleheads
Replies: 9
Views: 1891

Re: Meet the Young Bogleheads

With all due respect to the "young guns", nothing beats actual 60 year-olds who have a million or two in the bank and who've seen a few bear markets.
by JasonR
Tue Nov 01, 2011 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor Says He Has No Responsibility
Replies: 22
Views: 5317

Re: Neighbor Says He Has No Responsibility

Christine_NM wrote:Invisible fences that I've "seen" have little flags at property corners to indicate their presence. Maybe you could line the vulnerable boundary with a few more of those.
Or put down some flags that say "gas line" :)
by JasonR
Tue Nov 01, 2011 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor Says He Has No Responsibility
Replies: 22
Views: 5317

Re: Neighbor Says He Has No Responsibility

I sympathize with you, investor.saver, but perhaps you can move the wire in a few feet to avoid this problem next year?
by JasonR
Sun Oct 30, 2011 9:17 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Recommendation
Replies: 54
Views: 4561

Re: Dishwasher Recommendation

We got a Samsung because we overspent on the built in oven/microwave. The Samsung is subpar in every way. We now wash and dry dishes by hand and use the DW for storing tupperware. Do not recommend Samsung DW. Wow. I hate my Samsung front loading clothes washer. It just didn't last as long as I expe...
by JasonR
Wed Oct 26, 2011 12:03 pm
Forum: Personal Consumer Issues
Topic: Replacing a Faucet on a Pedestal Sink
Replies: 11
Views: 10590

Re: Replacing a Faucet on a Pedestal Sink

Great advice from earlyout.

You might also try loosening the nuts that hold the sink against the wall, then gently lifting the sink a bit while twisting the pedestal around until you can better reach the drain connection.
by JasonR
Tue Oct 25, 2011 10:17 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Recommendation
Replies: 54
Views: 4561

Re: Dishwasher Recommendation

Had a Kenmore (Whirlpool, I believe) for 9 years. Cleaned absolutely everything with no pre-washing. Quiet, too. Because it was the WRONG color after a kitchen redo, I stupidly replaced it with a GE Profile. Didn't clean well, ever. Sold the house. New one came with a new GE Profile. Exactly as bad ...
by JasonR
Tue Oct 25, 2011 10:10 pm
Forum: Personal Consumer Issues
Topic: OT : what antivirus software do you use ?
Replies: 45
Views: 3451

Re: OT : what antivirus software do you use ?

Ubuntu linux. No antivirus necessary.
by JasonR
Fri Oct 14, 2011 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Women in Demanding Careers
Replies: 74
Views: 6026

Another vote for the full-time stay-at-home dad. But...you will have to compromise on your goals a bit. Think "balanced, diversified portfolio".
by JasonR
Thu Oct 13, 2011 10:32 pm
Forum: Personal Investments
Topic: Messed up TLH - Wash sale
Replies: 5
Views: 715

Re: Messed up TLH - Wash sale

I did this earlier this week, but I forgot to stop my automatic investments into Total Stock Market and Total Int'l which bought today. This will make a wash sale. I work for the IRS and you are in a lot of trouble... Just kidding! Really, the wash sale involves only the amount of the auto investme...
by JasonR
Wed Oct 12, 2011 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance rate hike by ~25%. What to do?
Replies: 15
Views: 1595

I'm with one of Progressive's partners. My homeowner's premium is going up 5.6% this year. It went up about that much last year. No claims, ever. 25% seems excessive and would force me to seriously shop around.
by JasonR
Mon Oct 10, 2011 3:41 pm
Forum: Personal Consumer Issues
Topic: Netlfix changes tune, will not split off DVD business.
Replies: 33
Views: 3353

I will keep Netflix. Nobody has a better selection of slasher movies with zombies and/or pyschopathic hobos. My teenage son would freak without it.
by JasonR
Sun Oct 09, 2011 7:34 am
Forum: Investing - Theory, News & General
Topic: IndexUniverse
Replies: 20
Views: 3091

ETFs are more fun? You get to play "day trader" while still indexing. Or is it "day trade while still playing indexing"?
by JasonR
Thu Oct 06, 2011 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Lose the escrow!?
Replies: 36
Views: 4601

Be careful... Boy was my face red (with anger) when at the closing they hit me with a $450 "waiver of escrow" fee! To late to change. :( Lesson: They will get you one way or another. Yep. My last mortgage 11 months ago I was hit with one of these, except for $750. You got a deal! Who got ...
by JasonR
Wed Oct 05, 2011 10:06 am
Forum: Personal Investments
Topic: What do you like about your financial planner?
Replies: 34
Views: 3638

retiredjg wrote:If the question is mostly about an external person helping you see your own "myopia", I think you could get free help with that here on the forum. :lol: .
Lot's of outsiders helping for free always beats one who charges. :D
by JasonR
Tue Oct 04, 2011 9:38 pm
Forum: Personal Investments
Topic: I Caused The Market To Bottom!
Replies: 23
Views: 3368

I think the moral of the story is to make that call at 3:55, not 3:30.
by JasonR
Tue Oct 04, 2011 11:37 am
Forum: Personal Consumer Issues
Topic: Gmail Full - Now What?
Replies: 24
Views: 3238

when I switched from Yahoo to Gmail, I was able to import my old emails. Can't you just open another acount and export the old stuff? Just use the new account for storage?

Edit: sorry, I see you checked moving to Yahoo. I'd research such an option more if I were you.
by JasonR
Tue Oct 04, 2011 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Lose the escrow!?
Replies: 36
Views: 4601

bertilak wrote:Be careful...
Boy was my face red (with anger) when at the closing they hit me with a $450 "waiver of escrow" fee! To late to change. :(

Lesson: They will get you one way or another.
Yep. My last mortgage 11 months ago I was hit with one of these, except for $750. You got a deal!
by JasonR
Fri Sep 30, 2011 3:11 pm
Forum: Personal Consumer Issues
Topic: Funny press release
Replies: 8
Views: 1147

Continued. http://www.oracle.com/us/corporate/press/503343 http://allthingsd.com/20110929/mike-lynch-to-oracle-oh-you-mean-those-slides/ Why does Autonomy/HP even care whether or not Autonomy was ever offered to Oracle? It's a done deal and they can now blame the pharmacist for everything. And why ...
by JasonR
Fri Sep 30, 2011 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Is marriage too risky?
Replies: 89
Views: 8923

Marry only a divorced woman. Unless YOU will be the problem, it should work out. Could you explain for us? It's been my experience that women entering a second marriage are more serious about relationships than first-timers. They don't have the time or tolerance for games, and they know what they w...
by JasonR
Thu Sep 29, 2011 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Is marriage too risky?
Replies: 89
Views: 8923

Marry only a divorced woman. Unless YOU will be the problem, it should work out. What is your logic on this? Subsequent marriages are even more likely to end in divorce. You hadn't posted this revised statistic when I posted. You have now convinced me that marriage in all instances is too risky.
by JasonR
Thu Sep 29, 2011 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Is marriage too risky?
Replies: 89
Views: 8923

Marry only a divorced woman. Unless YOU will be the problem, it should work out.
by JasonR
Wed Sep 28, 2011 11:34 am
Forum: Personal Consumer Issues
Topic: Amazon's new Kindle Fire looks good
Replies: 58
Views: 8712

Seems like Amazon is also targeting potential Nook-color buyers. Can't you already hack one of those to make it pretty much a tablet? I've heard that's possible.
by JasonR
Wed Sep 28, 2011 7:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard launches 6 more Admiral index funds
Replies: 33
Views: 7104

Regarding conversion to admiral: The 60-day restriction seems to have disappeared for the new funds. If you've recently TLHed, seems you can move back in now--after 30 days of course.
by JasonR
Tue Sep 27, 2011 4:12 pm
Forum: Personal Investments
Topic: Pros and Cons to living on a lake?
Replies: 39
Views: 15798

Lots of lakes and rivers in central and southeastern Texas are very low because of the record draught here. Surrounding homeowners can't be pleased.
by JasonR
Tue Sep 27, 2011 2:29 pm
Forum: Personal Investments
Topic: To Pay? or Not to Pay? Do I even have a choice?
Replies: 12
Views: 2427

What kind of agreement did you have?
by JasonR
Mon Sep 26, 2011 6:15 pm
Forum: Personal Consumer Issues
Topic: kitchen counter brand/materials?
Replies: 11
Views: 1697

Here's a good thread from last year:

http://www.bogleheads.org/forum/viewtopic.php?t=55141
by JasonR
Fri Sep 23, 2011 2:55 pm
Forum: Personal Consumer Issues
Topic: Anyone done DIY attic insulation? Any tips?
Replies: 28
Views: 4132

Watch your step.
by JasonR
Fri Sep 23, 2011 2:51 pm
Forum: Investing - Theory, News & General
Topic: Soros, Roubini: "We're already in recession."
Replies: 18
Views: 3084

snodog wrote:More than any other time in history, mankind faces a crossroads. One path leads to despair and utter hopelessness. The other to total extinction. Let us pray we have the wisdom to choose correctly.
What are the other two paths? There are four in a crossroads.
by JasonR
Thu Sep 22, 2011 9:51 pm
Forum: Personal Consumer Issues
Topic: Has anyone survived a bear attack?
Replies: 157
Views: 19707

Opponent Process wrote:turns out I couldn't survive a cougar attack.
Ha! Another "victim" here.
by JasonR
Wed Sep 21, 2011 3:10 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 386104

A World on Fire, Britain's Crucial Role in the American Civil War, by Amanda Foreman. It is.....9 0 0.......pages long and is 80% rehash of the entire Civil War with facts you already know together with accounts of any English, Scots, or Welsh individual who had anything to do with the War in any c...
by JasonR
Mon Sep 19, 2011 9:33 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 386104

Fyodor Dostoevsky's The Idiot. A real page turner at 400 pages in.
by JasonR
Mon Sep 19, 2011 11:57 am
Forum: Personal Consumer Issues
Topic: Gardening problems with neighbors
Replies: 46
Views: 9027

Re: Gardening problems with neighbors

Moving because your neighbor plants stuff too close to you seems a bit rash. Fences and tall shrubs can solve a lot of problems. I speak from experience as well....and it worked. I should have been more clear: I wasn't really thinking of the plant neighbors when I suggested moving, but rather the o...
by JasonR
Sun Sep 18, 2011 9:46 pm
Forum: Personal Consumer Issues
Topic: Gardening problems with neighbors
Replies: 46
Views: 9027

Re: Gardening problems with neighbors

Should my friend contact the police and file a report. May be a police presence may keep the neighbor in line without making threats. A survilance camera can be install, but how do this without appearing to be looking at the neighbor's property? Paul Tell me you're not being serious! Your friend ne...
by JasonR
Mon Sep 12, 2011 10:22 pm
Forum: Personal Consumer Issues
Topic: hot tub installation cost, outside, big enough for 6 people
Replies: 12
Views: 1518

John Bailout wrote:In 1986 or 2011 dollars? :)
:lol:
by JasonR
Mon Sep 12, 2011 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deduct books as an investment expense???
Replies: 10
Views: 2157

Re: Can I deduct books as an investment expense???

biasion wrote: I like free money for the taking, doesn't everyone?
People who think you're a shameless cheapskate won't respond to your post.
by JasonR
Mon Sep 12, 2011 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: death of spouse and car is financed in the decedents name
Replies: 22
Views: 2842

Can't she just use the life insurance and buy her own car? Is there something special about this car?
by JasonR
Wed Sep 07, 2011 1:50 pm
Forum: Personal Consumer Issues
Topic: How much should cat tooth extraction cost?
Replies: 47
Views: 69655

So I'll take my veterinarian with his slightly older ultrasound machine and office in an industrial part of town, but also his willingness to stay at the practice until the wee hours of the morning or on weekends/holidays to monitor unstable pets, over one with the fancy toys and higher costs who c...
by JasonR
Wed Sep 07, 2011 6:44 am
Forum: Personal Consumer Issues
Topic: How much should cat tooth extraction cost?
Replies: 47
Views: 69655

It's a bit expensive for my region, but I don't know about how that translates to Seattle prices. My vet charged $110 for a cleaning and $50 for each extraction when I had a cat who needed extractions this spring. Had she not had blood work recently, there would have been an additional $75 pre-op b...