Search found 195 matches

by westcoast
Tue Dec 03, 2013 3:59 pm
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 9448

Re: Wine for daily consumption?

We like Cupcake wines, both the reds and whites are great IMHO. They are under ten dollars a bottle and available in most grocery stores here.
by westcoast
Sun Oct 20, 2013 2:16 am
Forum: Personal Finance (Not Investing)
Topic: Just hit the million mark net worth today
Replies: 98
Views: 12556

Re: Just hit the million mark net worth today

Great story and congratulations also I hope you keep prospering in our great country. Again great job.
by westcoast
Wed Oct 16, 2013 12:02 pm
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 16177

Re: How many square feet is your home?

We are retired and have 2997 square feet, with a three car garage. 3 bed, 2 1/2 bath with a bonus room over the garage. Way to big for the two of use. My wife had her office and business in bonus room when she was working. I am trying to convince her we should down size to around 1500/1800 square fe...
by westcoast
Wed Oct 02, 2013 1:44 pm
Forum: Personal Consumer Issues
Topic: Wine Picks
Replies: 44
Views: 4066

Re: Wine Picks

You might try wines from Cupcake vineyards, they are priced around 10+ dollars a bottle and I have found them to be very good no matter the type of wine you like.
by westcoast
Mon Aug 26, 2013 4:28 am
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 10253

Re: Choice Of Weapon For Personal Home Self Defense

A 1911 style 45 cal handgun is a very good weapon for this purpose. Easy to use (with practice) with lots of stopping power. You must practice with it and know the law on its use in your jurisdiction and be mentally prepared to use if you must. It's not a toy to try and scare someone with, its a ver...
by westcoast
Mon Aug 12, 2013 1:18 am
Forum: Personal Consumer Issues
Topic: deciding whether to buy a Trek FX 7.2 hybrid bicycle
Replies: 9
Views: 2342

Re: deciding whether to buy a Trek FX 7.2 hybrid bicycle

Thank you all for the replies and recommendations. I am going with the Trek FX 7.2 and am going to add bar ends to it.

Ed
by westcoast
Sat Aug 10, 2013 5:44 pm
Forum: Personal Consumer Issues
Topic: deciding whether to buy a Trek FX 7.2 hybrid bicycle
Replies: 9
Views: 2342

deciding whether to buy a Trek FX 7.2 hybrid bicycle

My bicycle riding experience consists of riding a Fugi mountain bike to work most days when the weather permitted. This was about a ten mile round trip. I enjoyed the ride and it helped me keep the weight down. I fully retired over two years ago and stopped riding and gave my bike to my son in law. ...
by westcoast
Sat Jun 22, 2013 4:49 pm
Forum: Personal Consumer Issues
Topic: Debt collectors constantly calling me for my parents debt
Replies: 17
Views: 3452

Re: Debt collectors constantly calling me for my parents deb

I would tell them you are recording the call an you intend to file bar complaint agaist the attorney if they continue to harass you.
by westcoast
Mon Jun 03, 2013 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: future tenant wants to start a day care
Replies: 23
Views: 3238

Re: future tenant wants to start a day care

Thanks for the help, my wife and I decided to rent to someone else instead of the lady who wanted to have the day care. Again thanks for the help.
by westcoast
Mon Jun 03, 2013 10:51 am
Forum: Personal Finance (Not Investing)
Topic: future tenant wants to start a day care
Replies: 23
Views: 3238

future tenant wants to start a day care

I have a rental house in which the current tenant is moving out. A potential new tenant wants to start a small day care for 3/4 kids under the age of four. Does anyone have any experience with this. I am waiting for a call from my insurance agent to see if my policy covers any liability we would hav...
by westcoast
Fri May 31, 2013 12:44 am
Forum: Personal Investments
Topic: Advisor wants to separate me from my money
Replies: 24
Views: 3301

Re: Advisor wants to separate me from my money

The OP wasn't taken up the advisors time, the advisor was taking up the OP's time buy trying to separate him from his money.
by westcoast
Wed May 15, 2013 9:36 pm
Forum: Investing - Theory, News & General
Topic: THANKS, BOGLEHEADS, FROM JACK BOGLE
Replies: 39
Views: 7426

Re: THANKS, BOGLEHEADS, FROM JACK BOGLE

Thank you Mr. Bogle for all of your wisdom you have given us and I wish you many many more birthdays.
by westcoast
Wed Apr 10, 2013 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: B of A issuing credit cards with chips for travel
Replies: 43
Views: 5623

Re: B of A issuing credit cards with chips for travel

USAA has a chip and pin card. If you call them you need to ask about it I don't think it is advertised on their web site.
by westcoast
Wed Apr 10, 2013 12:14 am
Forum: Investing - Theory, News & General
Topic: Post your asset allocation here:
Replies: 136
Views: 15128

Re: Post your asset allocation here:

age 61 and 59

Stocks 45% Bonds 55%

We are both retired
by westcoast
Sat Mar 23, 2013 12:42 am
Forum: Personal Consumer Issues
Topic: Holland America Mediterranean cruise in april on he Eurodam
Replies: 8
Views: 1519

Re: Holland America Mediterranean cruise in april on he Euro

Thank you all for the great advise we received. We are checking the cruise critic web-site for more information on the ship and tours. We are thinking we may take some of the ship offered tour in Livorno (Florence), Barcelona and Tunis. The others we may do on our own. Hoping to make this a great an...
by westcoast
Thu Mar 21, 2013 10:15 pm
Forum: Personal Consumer Issues
Topic: Holland America Mediterranean cruise in april on he Eurodam
Replies: 8
Views: 1519

Holland America Mediterranean cruise in april on he Eurodam

We are planning a cruise this april leaving from the port of Cititavecchia (Rome) and returning there 10 days later. We have stops in Livorno Italy, Monaco, Barcelona, Palma de Mallorca, Tunis, Sicily and Naples. We have been checking the tours offered by the cruise line and with some on-line tour o...
by westcoast
Thu Feb 28, 2013 1:16 am
Forum: Personal Investments
Topic: Windfall - pay off mortage, or invest in bonds?
Replies: 46
Views: 6229

Re: Windfall - pay off mortage, or invest in bonds?

It' looks like you may be over complicating the situation. I would keep it simple and pay of the mortgage.
by westcoast
Thu Feb 21, 2013 4:05 pm
Forum: Investing - Theory, News & General
Topic: Fixed account or Bond fund?
Replies: 15
Views: 2076

Re: Fixed account or Bond fund?

Before I retired I had a similar 457b from Nationwide at 3.5%. The only disadvantage was you could not move than 20% out of the fund in a calendar year. When I retired I left the money in the fund but can now transfer or take whatever I need from it without any fees. As you said it makes a good back...
by westcoast
Sun Jan 13, 2013 9:21 pm
Forum: Personal Investments
Topic: Is this considered a bond fund or ?
Replies: 7
Views: 604

Re: Is this considered a bond fund or ?

Thank you all for your advise and suggestions, I am going to ponder it for awhile before I decide what to do for sure. Right now I am leaning to consider it part of our bond allocation and take the income it produces. Thank you again for your help. Before I retired I transferred my deferred 457 fund...
by westcoast
Sun Jan 13, 2013 8:27 pm
Forum: Personal Investments
Topic: Is this considered a bond fund or ?
Replies: 7
Views: 604

Is this considered a bond fund or ?

My wife and I have our accounts 60% stock and 40% bond after getting suggestions from this fine forum, and thanks for the great advice. Vanguard total stock market vtsax 35% Vanguard International vgtsx 15% Vanguard TIPs vipsx 10% Vanguard total bond fund vbtlx 30% Vanguard REIT vgslx 10% I have a 4...
by westcoast
Sat Jan 12, 2013 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: united airlines 24hr booking policy
Replies: 10
Views: 1177

Re: united airlines 24hr booking policy

I agree with lessbro63 apples and oranges
by westcoast
Thu Jan 03, 2013 12:52 am
Forum: Personal Finance (Not Investing)
Topic: I sold all my mutual funds and stocks on December 20th
Replies: 72
Views: 12056

Re: I sold all my mutual funds and stocks on December 20th

Thanks for the update and for the courage to let us know how you fared.
by westcoast
Sun Dec 30, 2012 12:10 am
Forum: Personal Finance (Not Investing)
Topic: How to get Ken Fisher Investment off my back?
Replies: 55
Views: 32295

Re: How to get Ken Fisher Investment off my back?

I had them calling me all the the time also two years ago. I got rude to the guy on the phone and told him firmly to stop calling me at work. They have not called since. And happily I found this great website.
by westcoast
Sat Dec 29, 2012 6:24 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood and carpet?
Replies: 21
Views: 4799

Re: Vacuum for hardwood and carpet?

I have used a dyson for several years. Have not had any problems with it at all. Cleans both tile and carpets very well.
by westcoast
Sat Dec 22, 2012 10:14 pm
Forum: Investing - Theory, News & General
Topic: For those retired 10+ years
Replies: 37
Views: 4771

Re: For those retired 10+ years

Retired at age 51 in 2003. Worked part time for several years but looking back wish I had just retired and not worked part time. Always keeping busy, traveling, visiting friends and our kids. Took a big hit from the down turn in 2008 but have bounced back just fine. Pension and some rental housing h...
by westcoast
Tue Dec 18, 2012 7:15 pm
Forum: Personal Consumer Issues
Topic: Can't think of x-mas gift to give wife...
Replies: 44
Views: 4891

Re: Can't think of x-mas gift to give wife...

Take her to a finest hotel in your area for the weekend and dinner at a four star restaurant. Or a gift certificate to Starbucks.
by westcoast
Sat Dec 15, 2012 12:00 am
Forum: Personal Investments
Topic: When to sell mutual funds
Replies: 16
Views: 1349

Re: When to sell mutual funds

I agree with Taylor sell before the dividend.
by westcoast
Sun Dec 02, 2012 3:12 am
Forum: Personal Consumer Issues
Topic: Vacation to Scandinavia and Russia in April
Replies: 6
Views: 914

Vacation to Scandinavia and Russia in April

My wife and I are planning a trip for our 39th wedding anniversary this coming April. Of the countries we are going to Russia is the only one which requires a tourist visa. We have been told by a tour agency the Russian visa can be expensive and a long process as you need someone to sponsor you. We ...
by westcoast
Wed Nov 28, 2012 1:43 pm
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 41771

Re: What kind of car are you driving?

Me 2004 Honda CRV

My wife 2006 Lexus Es330

harley davidson roadking
by westcoast
Sat Nov 24, 2012 1:18 pm
Forum: Personal Investments
Topic: Fund manager wants to meet again
Replies: 16
Views: 1744

Re: Fund manager wants to meet again

Sounds like you have done your research so I think it would be a waste of your time to go back for another meeting.
by westcoast
Sat Nov 10, 2012 11:38 pm
Forum: Personal Consumer Issues
Topic: boglehead t-shirts?
Replies: 83
Views: 8477

Re: boglehead t-shirts?

I would buy a t-shirt
by westcoast
Thu Nov 08, 2012 5:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1518309

Re: What Book Are You Currently Reading? Part V

Just started Lost Symbol by Dan Brown. First few chapters have been very good, hard to put down the kindle.
by westcoast
Thu Nov 08, 2012 5:34 pm
Forum: Personal Consumer Issues
Topic: Antivirus software which is the best?
Replies: 64
Views: 5083

Re: Antivirus software which is the best?

I have used used Norton in the past an recently switched to Microsoft Security Essentials. I have been very satisfied with it.
by westcoast
Mon Aug 13, 2012 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at 62 vs 66
Replies: 53
Views: 10514

Social Security at 62 vs 66

I can take social security at age 62 in 10 months. I am trying to compare it with taking it at 66. At 62 I can get $18000 per year, and at 66 I would get about $24000 per year. A $6000 dollar per year difference. The fours years from 62 to 66 I would collect about $72000. If I wait to age 66 to star...
by westcoast
Wed Apr 18, 2012 11:47 am
Forum: Personal Consumer Issues
Topic: How do you sell your car to private party?
Replies: 17
Views: 2363

Re: How do you sell your car to private party?

Check Edmunds.com and Kelly blue book to see what your car is worth. Make sure you have the price for the car and a description of the car including good and bad aspects of the car displayed on it. I said I would only take cash and the car was "as is". I sold one last year in the parking l...
by westcoast
Mon Apr 16, 2012 9:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 386094

Re: What Book Are YOU Currently Reading? Part IV. (07/04/201

The Sins of Viscount Sutherland by Samantha James
by westcoast
Sun Apr 08, 2012 12:58 am
Forum: Personal Investments
Topic: Oregon Muni-bond fund?
Replies: 31
Views: 7006

Re: Oregon Muni-bond fund?

Not only does Oregon have a high state income tax, it rains all the time. So please just visit.
by westcoast
Tue Mar 27, 2012 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice for Unemployed Lawyer
Replies: 50
Views: 8345

Re: Career Advice for Unemployed Lawyer

Has your friend thought about a career in law enforcement? I have several friends who started as lawyers and later became police officers. They worked in all areas including training on search and seizure, recent court decisions, civil liability, patrol, internal affairs, investigations etc.
by westcoast
Thu Mar 15, 2012 12:44 am
Forum: Personal Investments
Topic: Retired and need advice on investment portfolio
Replies: 10
Views: 1275

Re: Retired and need advice on investment portfolio

All of the funds listed with blue arrow are retirement accounts except the credit union account. We are trying to get more of a return by going to a 50/50 allocation. With my pension and we felt we could take more risk.

Thanks
Ed
by westcoast
Wed Mar 14, 2012 11:54 am
Forum: Personal Investments
Topic: Retired and need advice on investment portfolio
Replies: 10
Views: 1275

Re: Retired and need advice on investment portfolio

Regarding the 457, I had been told when I enrolled in it, the 457 is different than an IRA as I would not have to take any money from it when I turn 70 1/2. However I just got off the phone with Nationwide and was told I do have to make withdrawals when I turn 70 1/2. If I stay in Nationwide with th...
by westcoast
Tue Mar 13, 2012 9:51 pm
Forum: Personal Investments
Topic: Retired and need advice on investment portfolio
Replies: 10
Views: 1275

Re: Retired and need advice on investment portfolio

Yes I am going to keep the Deferred compensation 457 money in there but but want to diversify some or all of it out the annuity.

thanks
Ed
by westcoast
Tue Mar 13, 2012 9:09 pm
Forum: Personal Investments
Topic: Retired and need advice on investment portfolio
Replies: 10
Views: 1275

Retired and need advice on investment portfolio

I am 60 and retired several years ago my wife is 58 and retired this year. Income from my pension (increases maximum 2 per cent each year) and rental properties cover our current expenses. I may take social security in two years and my wife in four years. Emergency fund-- none Debt home mortgage 30y...