Search found 65 matches

by Schu
Thu Aug 27, 2015 5:24 am
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 56
Views: 9146

Re: Floss aversion

Dr. Tung's Smart Floss is my favorite.

Ted
by Schu
Wed Aug 05, 2015 10:14 pm
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 171
Views: 26693

Re: Buying a Rolex Watch

My 11 year old Explorer II is at the local jeweler waiting for parts after a breakdown.

Gotta scrounge up $570 in the next month or so, but the watch was a gift, and a gift that keeps on giving.


Ted
by Schu
Sun Jul 12, 2015 10:13 am
Forum: Personal Consumer Issues
Topic: Auto Titling Corp. out of state title experiences?
Replies: 0
Views: 530

Auto Titling Corp. out of state title experiences?

It now seems legit to me, but when shopping for a new car in nearby Illinois yesterday (living in Indiana), the Illinois dealer listed some $881 for Indiana licensing and titling through a company called Auto Titling Corp. of Centennial, CO. I suspect the Indiana excise tax on the car will be in the...
by Schu
Thu Jul 02, 2015 9:46 pm
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 62
Views: 12720

Re: Learning Spanish

I'd look for Mango Languages at your local public library. I used it for a trip to Greece last year, and found it helpful.

After registering through your public library, apps are available, or the Mango website.

Ted
by Schu
Mon Jun 29, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 48
Views: 21829

Re: can you recommend comfortable walking shoes?

I second going to a local running store to be properly fitted. I bought shoes this way (Brooks) and went on a trip to Italy. I was shocked I had no foot problems. Might be luck, but I've been doing well with Brooks for years now, using their shoe advisor at their website, brooksrunning.com when I ne...
by Schu
Mon May 18, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: Questioning a Dentist?
Replies: 43
Views: 6459

Re: Questioning a Dentist?

During a routine visit a couple years ago, the fill in dentist examined me after the cleaning. She said I needed all this stuff done and I asked my hygienist to see one of the practice's owners. The owner said everything looked fine and my teeth will be with me for a very long time. I'm not capable ...
by Schu
Wed Apr 29, 2015 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: LifeLock vs Freezing Credit Reports
Replies: 22
Views: 15875

Re: LifeLock vs Freezing Credit Reports

The cost of freezing and unfreezing credit depends on your situation (victim, non-victim, senior etc.) and the state you live in. In Indiana, freezing and unfreezing is free. It's certainly worth a few dollars if that's your situation. I've been frozen for a couple years and haven't needed to unfree...
by Schu
Thu Apr 02, 2015 10:19 pm
Forum: Personal Consumer Issues
Topic: Any Magic Jack users out there?
Replies: 10
Views: 2041

Re: Any Magic Jack users out there?

Just a month ago I bought and Obihai 200 and canceled my Frontier land line. My old number couldn't be ported, so I picked a new number from Google Voice. I don't pay anything for Google Voice, and signed up for an E911 service for $15 a year. I physically disconnected from Frontier at the box outsi...
by Schu
Fri Mar 27, 2015 10:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 23783

Re: Vanguard HealthCare Fund

When I started with Vanguard, I sold my 3 or so pharm stocks and made Vanguard Healthcare VGHAX 10% of my holdings. Healthcare is a racket, not really a competitive sector by any Economic standard. Owning the fund is also a hedge against rising healthcare costs in retirement. I figure if the racket ...
by Schu
Thu Jan 08, 2015 7:19 pm
Forum: Personal Consumer Issues
Topic: Buying Euros for a France vacation in the summer
Replies: 13
Views: 2270

Re: Buying Euros for a France vacation in the summer

It's not worth the hassle.

Also, I'd bet the exchange rate this summer will be even more to your liking.

Ted
by Schu
Mon Nov 24, 2014 7:33 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 42458

Re: 23 year old... Can I afford a Rolex?

I own a Rolex Explorer II (black) that I received as a gift over ten years ago. I doubt I'd spend $7500 to replace it, but it is certainly a beautiful watch, in the sense of simplicity and very high quality materials. I don't wear a Rolex as an exercise in conspicuous consumption, but it might revea...
by Schu
Fri Nov 21, 2014 12:18 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 588
Views: 50743

Re: What doyou splurge on?

Maple syrup.
by Schu
Fri Nov 14, 2014 9:44 pm
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 17965

Re: Harry's razors

I purchased a handle and 24 cartridges for DorcoUSA a few months back for $32 and I'm pretty happy with them. I saw the Dollar Shave Club online and wanted to avoid the relentless monthly shipments. I guess Dorco is their source, and I can order as needed. My next order might not be for a couple yea...
by Schu
Tue Aug 19, 2014 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: identity theft - stolen rental car
Replies: 2
Views: 800

Re: identity theft - stolen rental car

I had a small scare a couple years ago. I put a fraud alert on my credit bureau accounts and looked at my credit reports. Instead of Life Lock etc. I opted for a credit freeze with all the agencies. I have no plans to borrow, so it works for me. The Federal Trade Commission is a good place to start....
by Schu
Mon Aug 18, 2014 8:58 pm
Forum: Personal Consumer Issues
Topic: Bankrolled Her Brother, Regrets It (article)
Replies: 24
Views: 4681

Re: Bankrolled Her Brother, Regrets It (article)

People seem to have their own financial equilibrium that they return to no matter what happens. Money help might be best directed toward the young and very old in certain situations, but I think it's almost always lost on the people in between. If someone gave me $$$$ right now, I'd save it away som...
by Schu
Sun Jul 06, 2014 7:55 pm
Forum: Personal Consumer Issues
Topic: Opinions/experiences Saatva mattresses?
Replies: 3
Views: 789

Re: Opinions/experiences Saatva mattresses?

Yes, I'm willing to take the risk, but I'm hoping to hear from Bogleheads that might have experience with Saatva for more information. The return policy is acceptable to me (free both ways would just get built into the price anyway) and I have bought many things online, sight unseen. A Steelcase Lea...
by Schu
Sun Jul 06, 2014 3:51 pm
Forum: Personal Consumer Issues
Topic: Opinions/experiences Saatva mattresses?
Replies: 3
Views: 789

Opinions/experiences Saatva mattresses?

I started looking for a new queen size bed yesterday, making a few stops around town to see what is available. Looking for bedding information online, I found a company called Saatva Mattress that sounds promising. They have no retail locations to see their products. Everything is online, and the pi...
by Schu
Mon Jun 30, 2014 9:09 pm
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 30577

Re: The Millionaire Next Door: Are You One?

No, I'm not a MND. All I know and care about is that I'm doing okay for me. As a 30 Rock fan, I understood very well in my own way when Jack Donaghy said "Money can't buy happiness. It is happiness."

Others disagree. They are right, too.
by Schu
Mon Jun 30, 2014 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 13132

Re: do you lie about your finances to friends

I will go as far as advocating "Pay Yourself First" and tell anyone that's how I've saved $40k for my next Honda Accord equivalent, and paid cash for my current car from this money. In the right situation, I think it can be helpful to tell a real story of saving every paycheck and how I never worry ...
by Schu
Wed Apr 16, 2014 9:12 pm
Forum: Personal Consumer Issues
Topic: Computer Speakers
Replies: 13
Views: 1489

Re: Computer Speakers

I use a Dayton Audio DTA-120 amp and a pair of old Boston bookshelf speakers and I'm quite happy with it. For $100 and speakers I had already (and can change on a whim) I kept myself away from buying more. I like the passive speaker approach over actives.

Ted
by Schu
Thu Jan 02, 2014 8:07 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 33810

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

2120, or possibly something else.


Ted
by Schu
Sun Dec 15, 2013 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Any bogleheads work "for the dark side"?
Replies: 36
Views: 5096

Re: Any bogleheads work "for the dark side"?

Many/most people need a real person in an office working for a company they know to get started investing. People are better off investing and paying than they would be not investing at all. If they learn they want to invest in some other way, of course they can pursue that. Lying about the options ...
by Schu
Mon Nov 25, 2013 6:26 am
Forum: Personal Consumer Issues
Topic: I might buy this car from car max
Replies: 37
Views: 4759

Re: I might buy this car from car max

I looked for my car (2003 Honda Accord) online months ago and found one at the carmax site. They were way over ($5000) the range of what every other credible source would put the market price at. Their prices are too high for me.

Ted
by Schu
Wed Nov 13, 2013 2:37 pm
Forum: Personal Investments
Topic: Best "Indirect Financial advice" you ever received?
Replies: 66
Views: 5513

Re: Best "Indirect Financial advice" you ever received?

Stay away from shiny things.
by Schu
Tue Nov 12, 2013 8:51 pm
Forum: Investing - Theory, News & General
Topic: If want a good laugh watch this [advisor] video
Replies: 41
Views: 5286

Re: If want a good laugh watch this video

Maybe Christopher Guest is a Boglehead?

Ted
by Schu
Sat Nov 09, 2013 9:35 am
Forum: Personal Finance (Not Investing)
Topic: How do I convince my wife?! [Contribute to Roth IRA]
Replies: 38
Views: 4764

Re: How do I convince my wife?! [Contribute to Roth IRA]

You are extremely fortunate Tommy D to have a wife that thinks that retirement accounts psychologically are only retirement accounts. What the laws allow us to do can get many people in trouble, at least people not having this wonderful wall that your wife has in her mind. And at 30 and 27? Continue...
by Schu
Sun Oct 27, 2013 4:14 pm
Forum: Personal Investments
Topic: Help with Windfall
Replies: 32
Views: 3305

Re: Help with Windfall

I think your chart is very difficult to see

Also, it would help to have an update of the entire picture and plan, particularly what your plans are for the Roth IRAs.

Ted
by Schu
Sat Oct 26, 2013 5:23 pm
Forum: Personal Investments
Topic: Help with Windfall
Replies: 32
Views: 3305

Re: Help with Windfall

Hey SeymourGlass!

I've been hoping these last few months that you've been doing very well with your windfall management.

It's great to see you're still on it.

Ted
by Schu
Mon Oct 21, 2013 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Free Stanford Course: Finance of Retirement & Pensions
Replies: 138
Views: 21804

Re: Free Stanford Course: Finance of Retirement & Pensions

Lecture 3 Exercises.pdf to the right of the Discussion Questions Lecture 3.pdf works for me. It's a bit different (a .pdf instead of an interactive, submissible quiz) this week until Novoed updates the submission feature later this week, according to the note the Lecture 3 Excercises .pdf.

Ted
by Schu
Fri Oct 18, 2013 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Just hit the million mark net worth today
Replies: 98
Views: 12365

Re: Just hit the million mark net worth today

Thanks Yogesh, for the reminder to stop, breathe deeply, look around, smile and celebrate every now and then.

And to not forget how or why.

And of course congrats on your milestone.


Ted
by Schu
Fri Oct 11, 2013 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Free Stanford Course: Finance of Retirement & Pensions
Replies: 138
Views: 21804

Re: Free Stanford Course: Finance of Retirement & Pensions

Thanks Victoria.

I'm working at it. . .

Ted
by Schu
Fri Oct 11, 2013 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Free Stanford Course: Finance of Retirement & Pensions
Replies: 138
Views: 21804

Re: Free Stanford Course: Finance of Retirement & Pensions

I'm finding many of the Lecture 1 exercises baffling. I'm finding the questions vague. #4 I can plan for retirement assuming anything, like a 9% return a bond, this is true. That can't be what they're getting at. States of the World? I certainly can use 9% though, and I'd have to know much more abou...
by Schu
Mon Sep 23, 2013 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA Question/Lazy Bank
Replies: 12
Views: 1492

Re: Inherited IRA Question/Lazy Bank

The RMD for the year of your FIL's death should be based on finishing his RMD for his death year. It sounds like they might be getting the RMD for this year correct. Next year, the RMD will be based on the balance of the inherited IRA Dec. 31, 2013, and your wife's age. I think you're on the right t...
by Schu
Sat Sep 21, 2013 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA Question/Lazy Bank
Replies: 12
Views: 1492

Re: Inherited IRA Question/Lazy Bank

I'm sticking with my first post, that an IRA with a designated human beneficiary (not an estate or trust) has nothing to do with the the estate, as far as money (RMDs or otherwise) passing from the inherited IRA to the estate. It works much like a TOD. If the beneficiary of the IRA was listed as an ...
by Schu
Sat Sep 21, 2013 3:54 pm
Forum: Personal Investments
Topic: Get out of Edward Jones???
Replies: 23
Views: 7930

Re: Get out of Edward Jones???

Like the OP, I inherited Edward Jones accounts. After a year and a half of study, thinking and getting zinged by loads and commissions, I moved three accounts from Edward Jones to Vanguard, and I'm glad I didn't wait any longer. The portfolio and service at EdJ was okay for the original owner, but c...
by Schu
Sat Sep 21, 2013 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA Question/Lazy Bank
Replies: 12
Views: 1492

Re: Inherited IRA Question/Lazy Bank

If the check was issued in your FIL's name after he passed away, the bank made a mistake and I would want it corrected. Once he died, your wife immediately inherited the IRA. She, of course, must complete his RMD for the year he died, and the outstanding balance of the her father's RMD taxable to he...
by Schu
Wed Sep 11, 2013 4:55 pm
Forum: Personal Consumer Issues
Topic: Wife: Surprise, we now have a cat.
Replies: 89
Views: 11631

Re: Wife: Surprise, we now have a cat.

Congrats on your new cat! I second the recommendation of Felix Catnip Tree Company scratching posts. Someone moving out of an apartment building in Chicago left a new Felix post in the lobby for someone like me to take. I did, and that post saved my furniture from all sorts of damage, as my cat like...
by Schu
Sun Sep 08, 2013 11:54 pm
Forum: Personal Investments
Topic: Inherited an IRA: Not sure what to do.
Replies: 8
Views: 1952

Re: Inherited an IRA: Not sure what to do.

I'm in a similar situation with an inherited IRA of a similar size, in my 40s, and in the same tax bracket. Using the inherited IRA calculator at Bankrate (http://www.bankrate.com/calculators/retirement/ira-beneficiary.aspx) and viewing the reports it generates, I decided to feed a Roth IRA with the...
by Schu
Sat Aug 31, 2013 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: How long will my inherited ira last?
Replies: 21
Views: 3476

Re: How long will my inherited ira last?

Just taking the RMD, it should last to the end of your life expectancy, whether it's you or anyone who inherits the IRA after you. But it's a single calculation, all based on your life expectancy, and not that of any future beneficiary. It doesn't last forever like a regular IRA. Life expectancy doe...
by Schu
Sun Aug 25, 2013 1:21 pm
Forum: Personal Investments
Topic: Simple and short questions - need help
Replies: 6
Views: 807

Re: Simple and short questions - need help

The shorter the question the longer the answer, maybe?
by Schu
Sun Aug 25, 2013 9:01 am
Forum: Personal Investments
Topic: Considering moving everything to Vanguard
Replies: 22
Views: 3692

Re: Considering moving everything to Vanguard

I just moved three accounts (taxable, Roth, and Inherited IRA) from Edward Jones to Vanguard. Everything moved in-kind, without any trouble. I thought I wanted to wait a few more years to transfer everything, fearful of the unknown. Everything transferred quickly and without hassle. I have decisions...
by Schu
Sun Aug 18, 2013 10:27 pm
Forum: Personal Investments
Topic: least to greatest tax efficiency help
Replies: 7
Views: 894

Re: least to greatest tax efficiency help

Thanks everybody! island, my American Funds are mostly in the inherited IRA, so the tax consequences aren't a concern. In the Roth, same situation of course, and the taxable account I have about $3k net in gains, waiting for December for them to turn LT. My tax basis started last year, so I figure i...
by Schu
Sun Aug 18, 2013 8:49 pm
Forum: Personal Investments
Topic: How to leave my financial adviser
Replies: 39
Views: 5229

Re: How to leave my financial adviser

I just left Edward Jones a few weeks ago. I called my broker to tell him I was moving to Vanguard and to thank him for service and integrity. I complimented his office staff and all that they have done for me. It's the slightest bs-y but mostly true. I wanted for him to find out from me first. I lik...
by Schu
Sun Aug 18, 2013 7:56 pm
Forum: Personal Investments
Topic: least to greatest tax efficiency help
Replies: 7
Views: 894

Re: least to greatest tax efficiency help

Thanks, livesoft! When I finally got to my Small-Cap calculation and saw the .008/share dividend, I had a bit of an eureka! moment.

I will move it on the list.


Ted
by Schu
Sun Aug 18, 2013 3:07 pm
Forum: Personal Investments
Topic: least to greatest tax efficiency help
Replies: 7
Views: 894

least to greatest tax efficiency help

After moving three accounts (taxable, Roth, inherited IRA) from Edward Jones to Vanguard in the last few weeks, I'm ready to begin the process of selling off my American Funds and individual stocks and remaking my portfolio at Vanguard. About tax efficiency, I've read "The Bogleheads' Guide to Inves...
by Schu
Thu Aug 01, 2013 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing credit Reports
Replies: 8
Views: 1047

Re: Freezing credit Reports

I had an identity theft scare this last April. In Indiana, freezing and unfreezing credit is free of charge whether one has suffered ID theft or not, but free is not the norm in most states. I'm not looking to take out loans or open new credit cards, so it works for me.
by Schu
Tue Jul 23, 2013 6:02 pm
Forum: Personal Investments
Topic: Help with portfolio, fiduciary hourly advisor
Replies: 139
Views: 9189

Re: Help with portfolio, fiduciary hourly advisor

I called Vanguard yesterday after getting hit with a $725 commission fee from my Edward Jones broker for a stock sell/buy decision I made over the last year. My goal calling Vanguard was to get some questions answered by Vanguard, with the intent of moving accounts to Vanguard next year or maybe the...