Search found 205 matches

by white_water
Fri Aug 10, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7668

Re: Should I tell my family/friend that they are making a financial mistake?

Sometimes there is nothing you can to except watch that slow moving train wreck happen. A very close friend had his money with EJ. EJ invested it in 5 1/4 % front end load funds and a few stocks. Friend never heard of or been told about no load funds. He was with EJ because his father was an EJ clie...
by white_water
Mon Aug 06, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Costco Travel Experience?
Replies: 5
Views: 696

Re: Costco Travel Experience?

Used it twice, no problems. Would use it more but we often go to regions they don't do business with.
by white_water
Mon Aug 06, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Is It Really That Difficult to Apply for Social Security Online?
Replies: 13
Views: 959

Re: Is It Really That Difficult to Apply for Social Security Online?

Signed up over 10 years ago and it was easy then. Ditto DW's experience. SS employees who returned the call were knowledgeable, efficient and polite.
by white_water
Thu Jul 26, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9262

Re: Toughest Purchase of my Life. Engagement Ring time

"Make sure it's as big as her mother's."

This.
by white_water
Mon Jul 02, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 4934

Re: Do you own just 5% of anything?

5% +/- precious metals, 1/2 inherited, balance purchased.
by white_water
Tue Jun 05, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3149

Re: Should I replace my water heater?

Replace it for peace of mind.
by white_water
Tue May 22, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 91
Views: 13466

Re: Teachers: what are your best personal finance tips?

1) Move to the right of the salary schedule ASAP by taking credit courses. 2) Search out an education friendly state for your first job. Due diligence on desirable districts in that state will pay off. 3) Stay in that district unless things turn south. Moving outside of a state can be costly in term...
by white_water
Tue May 22, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5200

Re: Buy an old farmhouse?

It's more than a house, it's a lifestyle choice only you and your family can decide. The advantages are many. The downsides are mostly financial. If you're handy with tools that can offset the dollar drain, if not, how do you feel about learning? If it was me, I'd do it in a heartbeat. You might wan...
by white_water
Wed May 09, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Buying a Boat
Replies: 47
Views: 5189

Re: Buying a Boat

Owning the right boat isn't un-Bogleish IMO. It's your choice to spend your fun money as you wish. Enjoy. Caveat: if you can, and esp. if the boat was moored at a dock, pencil out the weight of that model Whaler, that outboard, that trailer, add in a fudge factor for fuel. Weigh the used boat on a t...
by white_water
Mon May 07, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Family Vacation in Late Feb
Replies: 30
Views: 1550

Re: Family Vacation in Late Feb

Possibly look at the kid friendly beach of Sanibel Isl. Fl.
by white_water
Fri May 04, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 25
Views: 2329

Re: Car rentals, what is the catch?

Rented the cheapest one time. Off airport a mile or two. Asked for a small sedan, was given a tired beater van, on the road had a hunch and just checked found rental had no spare, no jack, no lug wrench. Turned around and went back, asked for something else, got a 20 yr old Ford Ranger P.U. Second v...
by white_water
Wed Apr 25, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: how would you handle this--collecting life insurance
Replies: 31
Views: 3211

Re: how would you handle this--collecting life insurance

Contact the state insurance commission with details. Or if you're a patient person, tell the insurance carrier you will do that.
I've used this hammer twice, both times on purposefully delayed payment.
by white_water
Fri Apr 20, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: “The Smell of Retiree Mon$y...”
Replies: 57
Views: 8864

Re: “The Smell of Retiree Mon$y...”

It sounds as if the solicitor may be on commission as another poster suggested.
by white_water
Sun Apr 15, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2500

Re: Yellow Stone time needed

SLC airport to West Yellowstone is about 325 miles. If you want to make that trip w/in that time allowance, you might fly into Idaho Falls instead. If you're in a time crunch stay in W. Yellowstone, not Jackson to minimize drive time. Yellowstone inside the park accommodations are probably already b...
by white_water
Fri Apr 06, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 7246

Re: Want/need some income in semi-retirement

Re: adjunct college instructor, it barely paid enough for gas. Driving airport shuttle paid much better.
by white_water
Fri Apr 06, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4735

Re: Is it very hard to learn Spanish?

It depends on your language acquisition ability, and easier for some than others. Take a look at Duolingo, it's a free cell phone app and do some sample lessons. It uses visual, oral, aural lessons and clues that many find easier.
by white_water
Mon Apr 02, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 42
Views: 4173

Re: Cleaning up new house before move in—getting rid of “cat smell”

A neighbor removed approx. 2000 S.F. carpet, pad, and subfloor and some lower drywall to eliminate pervasive cat spray odor in a house they purchased.

Hope your experience is better.
by white_water
Wed Mar 14, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 9471

Re: traveling to mexico, should I be concerned?

DW and I have traveled to Mexico perhaps 1 1/2 dozen times over 30 years and live near the border. Great people, lousy politics. Anecdotally we note a decline vis-à-vis in safety, cleanliness, and the overall condition of the people. Of course there are exceptions like Cancun, Cozumel, where Canadia...
by white_water
Wed Mar 07, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Road trip to National Parks in Pacific/Mountain States.
Replies: 15
Views: 2199

Re: Road trip to National Parks in Pacific/Mountain States.

Google" taking dogs into Canada from USA." There are restrictions including up to date Rabies vaccination and having that documented for entering Canada and returning to the US. Note: You didn't mention traveling to Ontario but JIC perhaps Ontario readers can comment on the regulations for " pitbull...
by white_water
Wed Feb 28, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 8660

Re: Physical cash

What Blueskies123 said, $1-2K at all times because of likelihood of natural disasters with power out for extended periods.
by white_water
Fri Feb 23, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: anonymous financial gift to student / best gift card option
Replies: 54
Views: 3280

Re: anonymous financial gift to student / best gift card option

One possibility: have a proxy ( atty, CPA, church , bank, fraternal organization) give the award with funds you provide.
by white_water
Wed Feb 21, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Cedar Roof
Replies: 27
Views: 1903

Re: Cedar Roof

Need more information here. Cedar shakes or cedar shingles? Shakes are much thicker than sawn cedar shingles.
by white_water
Sat Feb 03, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 4921

Re: Amazon Stock - Can this giant be stopped?

Off the top of my head: Kodak, Motorola, Sears, Sun Micro, Yahoo, Blockbuster all were high flyers once. Reversion to the mean, failure to change happens.
by white_water
Sat Feb 03, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: How to receive large payment for a boat, PayPal vs Wire
Replies: 31
Views: 2479

Re: How to receive large payment for a boat, PayPal vs Wire

There is a greater risk of fraud through Paypal. If they have $40K to spend on a boat, they can figure out wire transfers.
A search on Paypal problems might be a good idea.
by white_water
Mon Jan 22, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: How much $ worth of things have you discarded without using?
Replies: 25
Views: 2640

Re: How much $ worth of things have you discarded without using?

Gifts, mostly clothes go to homeless shelters esp. for vets. After retirement I had 6-8 gift dress shirts still in the wrapper. Marie Kondo's book helped figure out what to let go of. As to the $$ value, pre owned clothes are worth pennies on the dollar. Most year we don't have enough to itemize any...
by white_water
Wed Jan 17, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 2161

Re: London/Paris Trip Questions

Another vote for Chunnel train. Getting to -from Heathrow /Charle de Gaulle is time consuming esp with luggage and a child in hand.

And the second class seats on the train are better than 1st class US seats. You won't see much besides a few lights once you're in the tunnel.
by white_water
Mon Jan 15, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7389

Re: Looking for a reasonably priced, safe international destination

Scotland, it has castles, history, scenery, museums, hiking, what's not to like? Adults can do a distillery tour. Re: Puerto Penasco, MX. There was a big shoot out between the army and cartels in Dec, 2013. Just a FYI, no place in Mexico is 100 % risk free. Kids might like Bahamas better. Fine beach...
by white_water
Mon Jan 08, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7744

Re: Lowball offer on a home

Don't know the particulars of your location but in my area the improvements you listed would be well over $100K.
Remodels often go over budget in my experience, esp. in older homes.
by white_water
Wed Dec 06, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Cat sitter info
Replies: 21
Views: 1255

Re: Cat sitter info

Due diligence and get references.
by white_water
Wed Nov 29, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 6433

Re: Edward Jones trap

A long time friend was sold 5 % front end load actively managedfunds from EJ. He knows the difference between load vs no-load and I showed him my N.L. index fund choices from VG and Fido. But he's still with E.J. " because his late father was a client."

Some times you just have to walk away.
by white_water
Tue Nov 21, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: best SUV
Replies: 30
Views: 3534

Re: best SUV

Need more data to give you an informed answer.

How large are the passengers?
Do you need multiple child seats?
Do you need 4 wheel drive?
How much storage do you need behind the passengers?
Do you need head room?
What might work well in Phoenix may not be suitable in Maine.
by white_water
Sun Oct 08, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 3169

Re: What to do with unused paint?

We gave ours to the local Boys and Girls club for art projects after checking to see if paint donation was welcome. They said they'd use it painting stage scenery.
by white_water
Thu Aug 31, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Best practices for moving a family/stuff long distance. Any warnings?
Replies: 29
Views: 2037

Re: Best practices for moving a family/stuff long distance. Any warnings?

Inventory everything that goes on the truck with hard copy and video. Everything. Multiple views. Let the movers see you do it, film the workers too. if need be let them know there is going to be a tough inspection. Supervise the packing and loading. Twice I've seen the driver go to a homeless shelt...
by white_water
Wed Aug 02, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 9637

Re: How far off are Zillow's estimates?

In my area Zillow prices vary so much over a few months that their data is suspect, nearly worthless for all the reasons other posters mentioned.
by white_water
Wed Aug 02, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 9637

Re: How far off are Zillow's estimates?

Duplicate post, apologies.
by white_water
Sun Jul 16, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 5954

Re: Rent in safer neighborhood or buy in less safe one?

Most sketchy neighborhoods DON'T gentrify, but you could get lucky. If it were my young family, I'd rent, build assets, keep looking. I'd rather own a very small home in a good neighborhood than any home in a bad neighborhood. There are no risk free decisions. The choice you describe here is between...
by white_water
Tue Jul 11, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 3791

Re: Moving a car cross country

Another option: Have one driver drive solo, ahead of time, then fly back and join the other driver for a paired drive with the 2nd vehicle. What psteinx said. We've done the walkie/talkie plus cell phone driving two cars on three 1600 mile trips. I'd rather not do it again. My wife is cool headed b...
by white_water
Sat Jul 08, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 3430

Re: Doing dishes while camping

3 buckets: hot soapy water, rinse water, final rinse with a bit of Chlorox & water, air dry.

Keep hand sanitizer handy after using the facilities, esp pit toilets also a good idea.
by white_water
Wed Jun 21, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 6803

Re: Help with Guns in Estate [how to sell]

Please do not use a pawn shop for any inherited items you want to sell. There are other, better "Bogle-ish "options people have posted here.
by white_water
Tue Jun 20, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 5243

Re: Liability with dogs, hypothetical

Pit bulls are great until they aren't, just like some other breeds. Owning a pit mix rescue carries an element of chance.
by white_water
Mon Jun 19, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 5174

Re: Want to downsize, see "to do" list. What to tackle first?

Find 3 local long time, knowledgeable real estate agents to advise about the remodel questions. Then it's easier to prioritize the to do list.

I think you're exactly right to seriously de-clutter even before talking to RE people.
by white_water
Mon Jun 19, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 20
Views: 2492

Re: Olympic NP and Mt Rainier NP

If it's raining hard at Port A. maybe take the 3 yr old to the Feiro Marine Life center near the city dock and ferry terminal. They have touch tanks for kids to interact with durable marine animals. Another kid suitable exploration short tideland hike is the county park at Salt Creek Recreation Area...
by white_water
Mon Jun 19, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 2180

Re: Which motorcyle?

You're an adult, you likely have your investments organized to CYA. If not then do that first, esp term insurance and disability, maybe rent a Harley for a while, take a motorcycle riding class from the dealer, see if you like it. Some thrive on it, some get terrified by the odds. In many areas big ...
by white_water
Sat Jun 10, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 4262

Re: Naming boat

DHOW 30
by white_water
Tue Jun 06, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 91
Views: 13466

Re: Teachers: what are your best personal finance tips?

The district DW and I worked for as teachers couldn't be bothered with retirement planning other than allowing several annuity salespersons access to the employees at one or two district wide functions per year. When some of us suggested a more inclusive sample we were told abruptly it wasn't possib...
by white_water
Fri Jun 02, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Responding to a weird job interview question..
Replies: 31
Views: 3818

Re: Responding to a weird job interview question..

Kudos to the kid for looking for a job! Possibly the employer has prior negative experiences with over-protected teens raised by helicopter parents. I like the suggestion above responding" I can handle it." This sounds like a good opportunity to learn the real world isn't always touchy feely, everyo...
by white_water
Thu Jun 01, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"
Replies: 35
Views: 7008

Re: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"

16 years into retirement, very modest pension, took SS at 62, asset allocation 35/65 using Vanguard and Fidelity total stock and total bond index funds.

Fairly LCOL living area, house paid for, no consumer debts, low consumption lifestyle and live in income tax state by choice.
by white_water
Fri May 19, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: How to dispose of household effects (estate sale?)
Replies: 21
Views: 3605

Re: How to dispose of household effects (estate sale?)

Caveat: there are unethical "estate sales" businesses. An estate sales group had a contract which gave them the unsold items to dispose of. The next of kin weren't on the premises. The "estate sales" marked up a number of desirable items high enough that they didn't sell. I overheard them talking am...
by white_water
Sun Apr 30, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Motor Home
Replies: 33
Views: 4603

Re: Motor Home

There was some good info on line not too long ago referencing how long purchasers of new MH's keep them. IIRC it's about 3 + years. That makes finding a nearly new one easy. Let someone else take the hit on depreciation, save a bundle. Good luck in your search.