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kathkath

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Posts posted by kathkath

  1. Yes No.  Just don’t.

    re:advisors we have had a couple.  One was a Ramsey recommended and he was benign.  Young, fee based, did our taxes ended up quitting so we were assigned another.  We later realized that DR recommended ones only get on his list by paying a fee.  DR doesn’t vet them.

    Then we switched to another who was a good friend we trusted.  First with Morgan Stanley then moved to Wells Fargo.  Their statements and interface both were difficult to see what was going on, by design.  Took awhile for us to figure out but he cost us THOUSANDS and has been our biggest financial regret.  5 years down the drain with him. Since then I have spent lot of time readin books and we have come up with our OWN plan.  We switched everything to Fidelity and are managing it ourselves.  Their app is so amazingly simple to see exactly where you are.  We are slowly selling off our bad investments, are waiting til Jan and moving everything into index funds.  Do your homework.  It is less complicated than the advisors would like you to believe.  Look, you homeschool, right? You have had to learn along the way? You can do this.

     Everyone is in this business for a reason, to make $$$.  Sorry if this offends anyone but they are leeches.   They make their money off us—either commissions or other payments that are difficult to see.  Reddit also has some advice forums in addition to bogleheads etc. squirrelers is another.

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  2. On 8/10/2018 at 9:39 AM, happi duck said:

    I like Trader Joe's tea tree tingle conditioner.  I use this conditioner first as if it were shampoo and then rinse.  Then I use it like conditioner and comb before rinsing.

    My hair is only wavy but if i use any shampoo it dries out, breaks and tangles easily.  This also happens to me with some other conditioners I've tried.

    This.  Absolutely.  I Comb it in my hair in the shower and rinse some (not all) a la curly girl.  Comb some gel in.  Squeeze curls in old cotton T-shirt.  

  3. We have an 18" Bosch dishwasher with the third rack up top and it is the most amazing dishwasher we have ever had. Better than a previous 24" Bosch we had, go figure. Can fit so much in and put all silverware up top so don't use basket. Abslutely deep double sink. Deep enough for big pots and pans and cookie sheets to get clean. A single faucet you can pull down to spray dishes is awesome too. And yes fridge inside.

    • Like 1
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