Search found 547 matches

by CedarWaxWing
Tue Aug 14, 2018 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 265
Views: 32039

Re: Low-earners- What is your profession?

I just want to give OP some appreciation for making an insightful as well as refreshing thread. Some posters in this thread stated that they can retire at an early age (less than 50 yrs. old) even though they are categorized as low-income earners. How is this achievable? Is it simply living in the ...
by CedarWaxWing
Mon Aug 13, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can the greedy 'Private Bank' make any money off my index funds?
Replies: 21
Views: 1965

Re: Can the greedy 'Private Bank' make any money off my index funds?

Why in the world would you want to transfer index funds from a good mutual fund company to "private bank"?

Seems like a set up for being pestered to death to buy their products... especially an annuity.

Is there REALLY any advantage to have done those transfers?
by CedarWaxWing
Sun Aug 12, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 12
Views: 1507

Re: Rental House Issue

1.. Have every communication in writing, i.e. email. 2. After any phone calls write a summary of the call timed and dated. 3. There are very few property managers who are honest, hard working, and looking out for your best welfare. 4. If you have an attorney... give that person a call and ask if he/...
by CedarWaxWing
Tue Aug 07, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4469

Re: Medicare Supplement Companies

...have detailed as much as I am willing to, in order to preserve the identity of the patient.....That event occurred a few years ago, in a major metropolitan area. The benefit of laparoscopy was very clear, and the only reason to not approve that was cost to Kaiser. The final outcome was good, but...
by CedarWaxWing
Thu Aug 02, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5221

Re: ACT test - got 34, try for 36?

Great scores already.

Isn't there a better way to spend one's time than taking the same test over again?
by CedarWaxWing
Tue Jul 31, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4469

Re: Medicare Supplement Companies

I have detailed as much as I am willing to, in order to preserve the identity of the patient, who is also a friend. The issues were straight forward, as stated. I am not saying Kaiser is not a good place. I have no doubt that they have good physicians, but the system is sometimes a problem to my per...
by CedarWaxWing
Tue Jul 31, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4469

Re: Medicare Supplement Companies

[/quote] I have been on the Kaiser Medicare plan here for 7 1/2 years. Very, very happy - low cost and high quality . [/quote] Kaiser is very good on preventative medicine treatment. They do keep costs low.. but sometimes there is another steep price to pay for that. Case in point: I happen to know ...
by CedarWaxWing
Sat Jul 28, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4469

Re: Medicare Supplement Companies

I don't have a ton of experience, having been on Medicare for only a couple of years, but I've been extremely satisfied with the AARP United Healthcare supplement (Plan L). Of course, I cannot speak for the others. It's odd that AARP/United is not your lowest-cost alternative, because it has been f...
by CedarWaxWing
Sun Jul 22, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Best luxury vinyl plank flooring?
Replies: 19
Views: 1751

Re: Best luxury vinyl plank flooring?

I did a 950 sq foot house complete remodel this year for resale after renting it since 1990, and living in it from 1981 t0 1990. For everything other than the bedrooms and baths I used Cali-floors "luxury vinyl"... I was skeptical of the product but used that for a few reasons. I considered bamboo.....
by CedarWaxWing
Sun Jul 22, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5126

Re: High voltage powelines near house

I don't know why I bothered to post the link to the scientific studies on the feds' cancer website, since people would clearly prefer to offer their uninformed opinions instead. By the way, comparing cell phones to high voltage lines is like saying photons and x-rays are the same. I did appreciate ...
by CedarWaxWing
Sat Jul 21, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Suggestions About Simulating Homemade Chicken Stock
Replies: 28
Views: 1588

Re: Suggestions About Simulating Homemade Chicken Stock

No matter what kind of pot you use... cook it outside.

If electric.. just plug it in, keep on a wooden table, or on the patio.

If propane... rent, or borrow, or buy an outdoor propane burner set up.. comes as 1, 2, or 3 burners where I live. It will come in handy for years to come.
by CedarWaxWing
Sat Jul 21, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Which brokerage is best for backdoor Roth
Replies: 18
Views: 1406

Re: Which brokerage is best for backdoor Roth

krafty81 wrote:
Sat Jul 21, 2018 7:32 pm
Schwab was easy but my (former) tax accountant screwed it up royally on both my federal and state income tax returns. New tax guy found the problem, I got a hefty check from USG and California. Just a reminder to ensure your accountant does it right on your return! :annoyed
A CPA or not?
by CedarWaxWing
Tue Jul 17, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of using CPA for taxes
Replies: 31
Views: 4086

Re: Benefits of using CPA for taxes

Seems like you are doing a lot of work on your taxes. Second guessing the CPA, checking your return. May as well do the whole thing yourself. Sure, your in laws are happy with this CPA, they never check so they do not even know if all is best on their tax return. They may be missing or have missed ...
by CedarWaxWing
Tue Jul 17, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Was my experience with a CPA typical?
Replies: 23
Views: 4101

Re: Was my experience with a CPA typical?

It sounds reasonably typical. That doesn't mean you need to be satisfied with it. How many times do you go to a restaurant and get typical service vs really awesome service? As a CPA, I do most of the things complained about here. 1) I don't assume I'm smarter than my software. If it kicks up an er...
by CedarWaxWing
Tue Jul 17, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Was my experience with a CPA typical?
Replies: 23
Views: 4101

Re: Was my experience with a CPA typical?

It reminds me of the time my brother broke some relatively minor bone at summer camp. I wasn't there, this is my mom's sorry. They drove up there immediately. The nearest doctor happened to be a general practitioner; they still existed in the 1950s. He set the bone and put it in a cast, with a fine...
by CedarWaxWing
Tue Jul 17, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: How do I find information on home security cameras that came with the house?
Replies: 15
Views: 1290

Re: How do I find information on home security cameras that came with the house?

I would ask the builder who bought and put them in... and go to that source. The builder may well be the developer and has a foreman that does the real work...
by CedarWaxWing
Sat Jul 14, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14069

Re: Early retirement

Thanks for posting, Skime; I'll be following this thread with interest. I'm about a year or so from retiring early, but I've read many many things here and elsewhere about others' reactions to an early retiree's decision. I've also experienced unexpected reactions from close friends and family as I...
by CedarWaxWing
Fri Jul 13, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5503

Re: Would you trade experiences in your youth for early retirement

I never worried about or tried to retire early. I spent a great deal of time getting educated in fields I enjoy and believe in. That made making friends with interesting people a natural flow of living, and full in interesting experiences. Doing the work you believe in makes the idea of retiring ear...
by CedarWaxWing
Sat Jul 07, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5779

Re: Girls and investing

Mademoisellebogleheads wrote:
Sat Jul 07, 2018 11:10 pm
How old should a girl be before she starts to take golf lessons?
When she wants to take the lessons and is capable of taking the instruction. No special age, but the instructor will likely have something to say about that...
by CedarWaxWing
Sat Jul 07, 2018 11:13 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5779

Re: Girls and investing

I have four children and have found that their interest and maturity signaled whether they were ready and willing to learn about investing, not their age. The child being a boy or a girl has nothing to do with it. I would agree. But sometimes I feel like it's us, the adults who are prejudiced. I've...
by CedarWaxWing
Sat Jul 07, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5610

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

I am having the below services down on my 2015 Honda Accord purchased new in August 2015. Until now I have only had oil changes done. Any insight on a) likelihood these services are actually needed, and b) reasonableness of costs. I live in Washington, DC area so probably higher than average cost o...
by CedarWaxWing
Fri Jul 06, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Active Management Justification
Replies: 33
Views: 2008

Re: Active Management Justification

The graphic you posted from your so called FA is a nice piece of trickery as already has been explained the responses you have received. 1. The fund it compares to the MFS fund is not an apples to apples comparison. This may be a good fund, but is it good enough to make up for the way it is being so...
by CedarWaxWing
Fri Jul 06, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Active Management Justification
Replies: 33
Views: 2008

Re: Active Management Justification

I’d fire my broker. You can always find a chart or fund that looks better than an index. The thing is, you can only find it for sure in hindsight. JT Using a chart of historical performance is quite lame. Apparently this broker views his clients as naive. Thank you Jack, Taylor, Rick, Larry, Dr. Bi...
by CedarWaxWing
Fri Jul 06, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Boglehead CPA's: How Do You Complete Your CPE Requirements?
Replies: 7
Views: 523

Re: Boglehead CPA's: How Do You Complete Your CPE Requirements?

One of my sons is a cpa... he works for a large accounting auditing firm, and they send him to one of their continuing education sessions a couple times per year. He says that more than satisfies his annual ed requirements.
by CedarWaxWing
Fri Jul 06, 2018 12:31 am
Forum: Investing - Theory, News & General
Topic: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?
Replies: 32
Views: 3949

Re: Bernstein watchers - where do you go to see his current writing or current allocation preferences ?

I'm not doctrinaire on the subject, and you'll find plenty of praise in my books for a three-fund/target date approach; that's what "If You Can" is all about. I just wish Vanguard would offer Admiral Class Target/Life Strategy funds :wink: Bill I asked VG about why they don't do that... and I was t...
by CedarWaxWing
Thu Jul 05, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14845

Re: How to "retire" in your 30's article

I retired early... at age 64. I thought I was going to wait until 70, but when I hit 64 I decided to retire early. If Mark can retire at age 30 or whatever it was... and be a stay at home dad... that sounds very cool also. Everyone has a different life and has to decide for him/herself how to naviga...
by CedarWaxWing
Wed Jul 04, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Settlement -- Lumpsum vs Annuity?
Replies: 10
Views: 1122

Re: Settlement -- Lumpsum vs Annuity?

Do you need the income for living expenses or support of other at this time, or if you had one lump sum would you be investing it for a long term plan for retirement at an average retirement age? Are you currently healthy and expecting to live and average or longer lifespan? How important is it to b...
by CedarWaxWing
Tue Jul 03, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5616

Re: Rodents ate my car!

An coat the rodent tape with the hottest pepper spray you can get.. or with extract of the hottest peppers available.

https://www.google.com/search?q=the+hot ... fox-b-1-ab
by CedarWaxWing
Tue Jul 03, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: PurePoint...nice gesture
Replies: 6
Views: 707

Re: PurePoint...nice gesture

yougotitdude wrote:
Tue Jul 03, 2018 12:20 pm
I got that too a while ago. The tea is actually really good stuff.
The tea bag is not entirely microwave safe. The string melted my Tervis mug where the string rested as it went over the top of the mug.
by CedarWaxWing
Tue Jul 03, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3446

Re: How do I fix my heating bill?

1. Turn the heat down to 60 degrees. We do that all winter. Ditto above. We set the thermostat at 60 in the winter. I would go lower if I could but don't want to risk freezing pipes. We have a space heater in the bedroom set at ~68 and just put on a jacket if we need to go to the kitchen. 60 degree...
by CedarWaxWing
Mon Jul 02, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3446

Re: How do I fix my heating bill?

1. Turn the heat down to 60 degrees. We do that all winter.
When it is sunny make sure the sun gets into the house.

2. Geothermal heat pump IF you have the space on the property to do that. It is expensive.

3. Solar and windmilling at the house?

M
by CedarWaxWing
Mon Jul 02, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual (65 Life) Whole Life Insurance Question
Replies: 25
Views: 4513

Re: Northwestern Mutual (65 Life) Whole Life Insurance Question

If you instead had put 3k into VTSAX in 2001, and repeated that every year until 2018 about now, and invest all distributions, you would have had about 162,893 in returns, and could have also paid the 476 or so difference into a term policy (if there is a reason to) you would have had a lot more dea...
by CedarWaxWing
Mon Jul 02, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3892

Re: Recommend a vehicle for $24,000 or less

I would buy a used 2014-2016 Camry or Accord. That way you can afford leather seats and more features. You should be able to find a cream puff lease turn in for around $15-20k. Then I'd spend the saved money on a set of snow tires and steel wheels to swap in November and April. The 2018 Camry/Accor...
by CedarWaxWing
Sun Jul 01, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7324

Re: What are you learning or studying?

Fine tuning my t ira to roth strategy, while also planning the repairs and sales of my rental properties to simplify my financial life in retirement. It is surprising to me how few of the tradespeople who I can find easily actually do their job well and efficiently. For example... most painters know...
by CedarWaxWing
Sun Jul 01, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Are Hedge funds basically scams?
Replies: 36
Views: 3164

Re: Are Hedge funds basically scams?

"Scam" is a harsh word. Eugene Fama famously said of hedge funds, "If you want to invest in something where they steal your money and don’t tell you what they’re doing, be my guest." Does that equate to "scam?" No. However, the fact that people invest trillions of dollars in hedge funds does not va...
by CedarWaxWing
Fri Jun 22, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 15060

Re: Did you celebrate when you finally hit $1m?

No.

Kept on truckin.....
by CedarWaxWing
Thu Jun 21, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Grandparents requested our help to manage $300K
Replies: 29
Views: 3526

Re: Grandparents requested our help to manage $300K

https://www.bogleheads.org/forum/viewtopic.php?t=183555 The above link discusses a book by Jane Bryant Quinn "How to Make Your Money Last". The books is very pertinent to retirement planning and harvesting. The section on annuities is also very good, including suggestions as to how to make an intell...
by CedarWaxWing
Wed Jun 20, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 2405

Re: 1st Car Mechanic service experience

To get fair priced car maintanence: 1. Get the good refs for the shop. Personal references from acquaintances which are confirmed by online reviews that are verified if possible. 2. Understand your car. Having done your own work for a few years is a great way to get a good foundation in that regard,...
by CedarWaxWing
Wed Jun 20, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 36
Views: 1426

Re: How to evaluate charities to donate to?

I did a bunch of reseach on a this topic a few years. Here’s the organization I use to identify where my donations will have the most impact: Give Well https://www.givewell.org There’s even the option to donate to a charity of your choice anonymously. Are you saying that this group has a mechanism ...
by CedarWaxWing
Tue Jun 19, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: New Ponzi scheme fiy
Replies: 5
Views: 2091

New Ponzi scheme fiy

https://www.marketwatch.com/story/sec-says-its-halted-a-102-million-ponzi-scheme-2018-06-19 One of many reasons I have less and less confidence in small finance firms... especially if they think they can or should ever be able to do the transactions in house or are unaudited in a way that allows rev...
by CedarWaxWing
Tue Jun 19, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Advisory Portfolios
Replies: 23
Views: 1091

Re: Northwestern Mutual Advisory Portfolios

These comparisons are very sensitive to time period. It is very easy to select start-and-end dates to make any portfolio look good. figures don't lie, but liars figure. The more important question: Why are you engaging with anyone from NWMLIC (Northwestern Mutual Life Insurance Company) about inves...
by CedarWaxWing
Mon Jun 18, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 4997

Re: "distilled" water for wife's CPAP machine

1. No for good reasons that are already listed.

2. Ask your pulmonologist, or your primary care doc if you don't trust those answers.
by CedarWaxWing
Thu Jun 14, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5458

Re: Rowing machine motivation

Congratulations on the new exercise machine! I like podcasts or audiobooks for my long runs too. But first things first: is this your first experience with a rowing machine? If you can't last more than 5 minutes, you're going too hard, and are likely to burn yourself out and stop using the rower. Y...
by CedarWaxWing
Thu Jun 14, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10978

Re: Timeshare ever worth it? Please share details

The "service fees" and "maintenance fees" are bad enough that I would not take on a time share if it was given to be as a gift. Why be the slave of a recurrent fee schedule, most of which does not benefit you directly, and over which you have no control? No thanks. I like to pick and chose where I v...
by CedarWaxWing
Wed Jun 13, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 108759

Re: Anyone regret paying off mortgage early?

I bought my last home in 1990, when interest rates were 9%. Prior to that I bought first home in 1981 when they are also 9% I think, and I got a loan for that one to help with the down payment (paid 10% for that and paid that off over 4 years to a family member). I paid off the 1990 home as aggressi...
by CedarWaxWing
Wed Jun 13, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Thrivent?
Replies: 17
Views: 1806

Re: Thrivent?

In what way is it Lutheran?

M
by CedarWaxWing
Tue Jun 12, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5165

Re: How do you celebrate (potty trained kid) milestone with your spouse?

GCD wrote:
Mon Jun 11, 2018 12:42 pm
My son once had an explosive poo during diaper changing that splattered against a textured wall. I spent considerable time with a Q-tip cleaning up after that. On the subsequent Father's Day I got a spray painted gold Q-tip.
+1 LOL
by CedarWaxWing
Mon Jun 11, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 2055

Re: 2018 RAV 4 or Camry

We are in the market for a new car because the 15 year old Buick Le Sabre my dh drove died. He is quite upset about this and is having trouble deciding which car to buy. We are both retired and this car will be our main car. He is tall (6' with long legs) but I am short (almost 5'3"). The Camry is ...