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Re: Adj Complife (whole life ins) advice

You are with Northwestern Mutual. Those guys are salesmen. They sold my spouse that same insurance before I learned better. I do not trust all three NWM agents I have known. Based on your assets you are not in high tax bracket and that policy is costing you more in fees than it saves in taxes. After...
by Anon1234
Wed Sep 17, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adj Complife (whole life ins) advice
Replies: 10
Views: 528

Re: An anecdotal case for indexing

I'm glad to see the case law supports my application of the golden rule.

I also appreciate that the reporting BH did so privately instead of making a public accusation.
by Anon1234
Mon Sep 01, 2014 12:59 am
 
Forum: Investing - Theory, News & General
Topic: An anecdotal case for indexing
Replies: 3
Views: 755

An anecdotal case for indexing

As a long term renter I regularly get mail for previous tenants, likely because the USPS mail forwarding expires. When I get mutual fund reports that aren't sealed I flip through them (ie not sealed by the sender, I don't mean a ripped open package). Mutual fund annual reports have arrived in 3 of t...
by Anon1234
Sat Aug 30, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: An anecdotal case for indexing
Replies: 3
Views: 755

Re: Wrong state tax withheld, over $1000 extra tax

One question came to my mind. If this signing bonus was considered earned before you moved and began working at the new location, it might actually be taxable In the prior state. That made me blush. But fortunately my contract is clear, it is earned as part of first paycheck. Sorry, just trying to ...
by Anon1234
Sat Aug 30, 2014 1:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Wrong state tax withheld, over $1000 extra tax
Replies: 9
Views: 578

Re: Should elderly play it safe & risk not having enough or

Again, I'll post the details of my parents situation in a few weeks, and perhaps a discussion like this can't work in the abstract, and can only be decided looking at the particulars of any given situation. It requires looking, and personal judgment. There are few guarantees, and taking risk is a p...
by Anon1234
Sat Aug 30, 2014 12:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Should elderly play it safe & risk not having enough or no?
Replies: 17
Views: 2017

Re: Question for Mac Excel 2011 users

I didn't know about this function in Mac Office. Is there a way to display only the quote and not all the other data? https://farm4.staticflickr.com/3905/14884885750_ea6df9a907_z.jpg I don't know if your macro will work. but it is very easy to pull in security prices in excel for mac 2011. I didn't...
by Anon1234
Sat Aug 30, 2014 12:16 am
 
Forum: Personal Consumer Issues
Topic: Question for Mac Excel 2011 users
Replies: 13
Views: 1004

Re: Wrong state tax withheld, over $1000 extra tax

spectec wrote:One question came to my mind. If this signing bonus was considered earned before you moved and began working at the new location, it might actually be taxable In the prior state.


That made me blush. But fortunately my contract is clear, it is earned as part of first paycheck.
by Anon1234
Sat Aug 30, 2014 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Wrong state tax withheld, over $1000 extra tax
Replies: 9
Views: 578

Re: Vanguard Fund w/ Tax-Efficiency

The relative is likely in a lower tax bracket. You might consider moving the funds back under the relative's name and be an authorized agent/rep to control the investments (I forget if agent is the right term). You can gift $14,000 this year. You could also do an interest free loan for the full amou...
by Anon1234
Fri Aug 29, 2014 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund w/ Tax-Efficiency
Replies: 9
Views: 915

Re: Wrong state tax withheld, over $1000 extra tax!

Getting the problem fixed will require that you contact payroll and check the procedures, which may include a corrected W-4. Your employer may also have a form for you to certify that you are a resident of a no-tax state (or of a state which has no special withholding form). You need to get this co...
by Anon1234
Fri Aug 29, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wrong state tax withheld, over $1000 extra tax
Replies: 9
Views: 578

Wrong state tax withheld, over $1000 extra tax

I took a new job in a new state and just got my first paycheck, which included my signing bonus. My new employer withheld state tax from my former state costing me over $1000 in extra tax. Can it be changed or corrected? Is there a name for this type of problem or correction? It was a paper check an...
by Anon1234
Fri Aug 29, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wrong state tax withheld, over $1000 extra tax
Replies: 9
Views: 578

Re: Subaru Blues

... Any similar tales of woe regarding the Suby? I'm wondering what sort of problem would cause these symptoms. It's now on my "Do Not Buy" list after hearing this narrative. Check the gas cap for looseness or torn gasket. If the emissions system detects a fuel tank pressure problem the w...
by Anon1234
Fri Aug 29, 2014 10:59 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8058

Re: Question for Mac Excel 2011 users

I don't know if your macro will work. but it is very easy to pull in security prices in excel for mac 2011. I didn't use any VBA. Excel > Data > Get External Data > Run Saved Query... > MSN MoneyCentral Stock Quotes Click on Parameters Follow the instructions "Enter stock, fund or other MSN Mon...
by Anon1234
Thu Aug 28, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Question for Mac Excel 2011 users
Replies: 13
Views: 1004

Re: How to safely sell a big ticket item online

Be careful with PayPal. They can pay with a stolen credit card which would be charged back later, then you're sans money and trailer. Cash transaction at a police station. At least 1 police dept encourages it, http://www.wxyz.com/news/novi-police-department-offers-parking-lot-for-craigslist-transact...
by Anon1234
Wed Aug 27, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2548

Re: engineers - please help with engineering school selectio

I'll offer up this Econtalk partial episode on choosing a college. "Munger on Many Things" http://www.econtalk.org/archives/2010/01/munger_on_many.html The college component is 7.5 minutes from 47:56 to 55:20. It helps explain the components that a college experience provides, ie. educatio...
by Anon1234
Thu Jun 12, 2014 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5465

Re: How do I make this argument?

Once you are convinced that he has heard what you've said, that's as much as you can accomplish. If he's a good friend you can suggest trying to see whether he can state your argument correctly, and in return see whether you can state his argument correctly. When you get that far, leave it like tha...
by Anon1234
Sun Feb 09, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I make this argument?
Replies: 6
Views: 501

Re: Drive to CO Skiing in 2WD Minivan?

FlyOverState wrote:
Anon1234 wrote:Drive to CO Skiing in 2WD Minivan?


Seems like finding four boards to fit the wheels would be the hardest part.


Yes it is. Also very difficult to ski inside the minivan.
by Anon1234
Sun Feb 09, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Drive to CO Skiing in 2WD Minivan?
Replies: 29
Views: 2151

Re: Drive to CO Skiing in 2WD Minivan?

Thank you for all the replies! You have convinced me that 4WD is not required to visit CO skiing if I'm prepared with Chains, or simply to delay the travel if it is too bad. That sits well with me, I'm not too inclined to push the limits anyway. I did research chains and I found these, I think I'll ...
by Anon1234
Sun Feb 09, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Drive to CO Skiing in 2WD Minivan?
Replies: 29
Views: 2151

Re: Need a new all in one printer

Hi folks, My printer croaked and I don't see any recent threads on printers. I need a new general printer/copier/scanner. One of my pet peeves with my old HP is that it doesn't scan to a PDF so having that feature would be nice for my next one. Of course having one that uses ink efficiently would a...
by Anon1234
Sat Feb 08, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2732

Drive to CO Skiing in 2WD Minivan?

I am in the market for a new 7-passenger vehicle. Considering new '14s, Odyssey, Sienna, Highlander, and Traverse/Acadia/Enclave. Do I need AWD? Where I live we get some snow, but most minivans are 2WD. I have a Subaru and Corolla, so I know the difference, and I'm OK with AWD or 2WD for my area. Bu...
by Anon1234
Sat Feb 08, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Drive to CO Skiing in 2WD Minivan?
Replies: 29
Views: 2151

Re: Physician Malpractice tail insurance-which would you cho

Texas hold em71 wrote:Anon 1234

Does TMLT mention what coverage limits those physicians had?


No, it would be a mix. But 1 broker and 2 companies (1 being TMLT) all told me most docs have the minimum $200k/$600k. That's per occurrence, per year limits, not per institution as the OP stated.
by Anon1234
Fri Dec 06, 2013 1:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician Malpractice tail insurance-which would you choose?
Replies: 39
Views: 2159

Re: Nanny Share Considerations

2. Insurance - we have a $1million umbrella policy along with our home insurance policy. I feel that should be enough but does anyone feel strongly that we should have more? Umbrella insurance does not cover employees, at least not from Geico or Amica. You need commercial liability insurance. In my...
by Anon1234
Fri Dec 06, 2013 12:57 am
 
Forum: Personal Consumer Issues
Topic: Nanny Share Considerations
Replies: 21
Views: 1410

Re: Physician Malpractice tail insurance-which would you cho

I am a physician, and I am switching jobs. I need to purchase tail coverage for my malpractice insurance. I live in a state with damage caps of $250K for an individual physician/500K for an institution. I was given multiple options by the insurance company- $100K/300K coverage for $11.5K cost to me...
by Anon1234
Fri Dec 06, 2013 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician Malpractice tail insurance-which would you choose?
Replies: 39
Views: 2159

Re: Physician Malpractice tail insurance-which would you cho

I am a physician, and I am switching jobs. I need to purchase tail coverage for my malpractice insurance. I live in a state with damage caps of $250K for an individual physician/500K for an institution. I was given multiple options by the insurance company- $100K/300K coverage for $11.5K cost to me...
by Anon1234
Fri Dec 06, 2013 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician Malpractice tail insurance-which would you choose?
Replies: 39
Views: 2159

Re: Nanny Share Considerations

1. Taxes - all 3 parties want taxes to be paid That is good because if you don't the employer takes all the risk - the nanny is not held responsible for employer's failure to withhold taxes. 2. Insurance - we have a $1million umbrella policy along with our home insurance policy. I feel that should ...
by Anon1234
Fri Dec 06, 2013 12:14 am
 
Forum: Personal Consumer Issues
Topic: Nanny Share Considerations
Replies: 21
Views: 1410

Re: what to do: car choice

If $1k/month is your savings goal and you can still meet that, then you can spend the extra dough on 2nd car or whatever else... Now, leasing a new car to get reliability is a waste. I drive a 11 year old 200k+ mile corolla and it has never let me down. I got it 3 years old with 90k. Do you really n...
by Anon1234
Sat Sep 14, 2013 12:15 am
 
Forum: Personal Consumer Issues
Topic: what to do: car choice
Replies: 12
Views: 1307

Re: What Insurance Co. for Term Life?

I used Low Load Insurance Service. https://www.llis.com/ As an insurance broker (independent agent), they can quote from lots of companies. It's similar to quoting on term4sale.com but with a human touch. I found them to be super helpful and straightforward, not pushy at all. I think their profile d...
by Anon1234
Fri Sep 06, 2013 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Insurance Co. for Term Life?
Replies: 6
Views: 588

Re: Help switching Insurance - anyone use Geico??

Did you report this incident to your state insurance commissioner (assuming you live in a state which has an insurance commissioner who protects consumer rights & which is funded adequately (through taxes) to hold companies accountable?) Doing that and sending a copy to Geico might get a better...
by Anon1234
Wed Sep 04, 2013 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help switching Insurance - anyone use Geico??
Replies: 30
Views: 2354

Re: Help switching Insurance - anyone use Geico??

Experience 2: Geico currently denying repair cost for a parking lot fender bender due to insured not calling them (my brother,as bystander, observed his car being hit in parking lot). As a word of advice: states have laws that state if damage is beyond a certain $ amount, police must be called. Man...
by Anon1234
Wed Sep 04, 2013 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help switching Insurance - anyone use Geico??
Replies: 30
Views: 2354

Re: Help switching Insurance - anyone use Geico??

I've used Geico for 10+ years. No issues for me. I have 2 family members hit, while parked, by Geico insureds. Geico has an annoying habit of denying their insureds coverage if the insured does not call them to inform them of the collision. In both cases below the Geico insured exchanged insurance i...
by Anon1234
Wed Sep 04, 2013 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help switching Insurance - anyone use Geico??
Replies: 30
Views: 2354

Re: Consumer Feedback Online

Did you close your account in the interval? That deletes all your reviews. No, I didn't close my account. Is it possible the seller closed their account, or started selling the same item as a "different product?" I know retailers play tricks with model numbers for pricing purposes. Maybe ...
by Anon1234
Sun Sep 01, 2013 9:47 am
 
Forum: Personal Consumer Issues
Topic: Consumer Feedback Online
Replies: 21
Views: 1593

Re: Consumer Feedback Online

Amazon deleted my negative review. I was the only one who reviewed it. Here is link to the product. No reviews as of today. http://www.amazon.com/Brainymats-Counting-Money/dp/B00BKM44SQ/ref=sr_1_1?s=toys-and-games&ie=UTF8&qid=1377959204&sr=1-1&keywords=money+placemat Here is a pictur...
by Anon1234
Sat Aug 31, 2013 10:40 am
 
Forum: Personal Consumer Issues
Topic: Consumer Feedback Online
Replies: 21
Views: 1593

Re: Nanny Costs

In my area pro nannies make $13-18/hr. More money gets better education, better spoken, more confident nannies, ie. someone who is more polished. Even $13 gets you someone who is ultra-reliable, assuming you are offering a full time job. If you are offering spotty work with week to week schedule cha...
by Anon1234
Wed Aug 28, 2013 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Nanny Costs
Replies: 8
Views: 1737

Optical microscope recommendation

Hello - I would like to get a microscope for personal use and need some help. I've spent a few hours reading about them, but I can't seem to finalize what I need. General purpose of the microscope is to allow my kids (and me :D ) to look at things up close. I do not want 800X zoom to see individual ...
by Anon1234
Sun Aug 25, 2013 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Optical microscope recommendation
Replies: 6
Views: 434

Re: Office chair recs

I can recommend the Zody by Haworth. Super nice. My a** may not look like much but it seeks and knows comfort. I have Zody Task at work, and I like it. Some testers got the Aeron when the office-update team was evaluating chairs. Apparently the testers liked the Haworth Zody Task better. Starts at ...
by Anon1234
Sun Aug 25, 2013 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Office chair recs
Replies: 21
Views: 2586

Re: "Baked into the price"

Hi - I'm going to try to explain why most of your questions aren't valid questions. You might think I'm being a semantic nitpicker, and I probably am, but I find it helpful in filtering marketing and sentiment from data and intellect. Hello, With the recent run-up of U.S. stocks, I was thinking abou...
by Anon1234
Sat Aug 24, 2013 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Baked into the price"
Replies: 6
Views: 723

Re: Car trade/fix opinion...

I haven't put any money into this in ~2 years. the valve cover gaskets were replaced/repaired by a Nissan Dealership at a cost of $600 2 months ago. Stop going to Dealers. Look for a mechanic who doesn't have to support the overhead of a BMW dealership, or any other dealership. I use Angie's list a...
by Anon1234
Thu Aug 22, 2013 11:44 pm
 
Forum: Personal Consumer Issues
Topic: Car trade/fix opinion...
Replies: 27
Views: 1870

Re: Wiki - Emotions and Investing (new investors - read this

Has there been any thought on writing up how an investor can take advantage of the emotions and behavioral mistakes of other investors? There were 2-3 funds by University of Chicago Behavioral Economist Richard Thaler http://www.chicagobooth.edu/faculty/directory/t/richard-h-thaler All are gone. ht...
by Anon1234
Tue Jul 23, 2013 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki - Emotions and Investing (new investors - read this)
Replies: 67
Views: 6155

Re: How do you say thanks from a distance?

Personal notes + Harry and David. Done. Thanks all!
by Anon1234
Mon Jul 01, 2013 9:33 pm
 
Forum: Personal Consumer Issues
Topic: How do you say thanks from a distance?
Replies: 17
Views: 1226

Re: How do you say thanks from a distance?

A fruit basket or Amazon gift card or whatever would probably be greatly appreciated, but I bet what they would appreciate MOST is if you gave them rave reviews on every conceivable review site you can find online (is there a Yelp for lawyers/insurance agents?) and recommended them to all your frie...
by Anon1234
Mon Jul 01, 2013 8:52 pm
 
Forum: Personal Consumer Issues
Topic: How do you say thanks from a distance?
Replies: 17
Views: 1226

How do you say thanks from a distance?

I want to say thanks to a lawyer and an insurance salesperson who helped me out big time in the last month or so. I don't know either of these people other than as a consumer of their services. They live hundreds of miles from me. Neither of them charged me for their services. If I were to place a v...
by Anon1234
Mon Jul 01, 2013 8:02 pm
 
Forum: Personal Consumer Issues
Topic: How do you say thanks from a distance?
Replies: 17
Views: 1226

Re: any boglehead cure for audiophile upgrade-itis?

IMO, good speakers make a huge difference They also last for decades, so IMO a good pair (set) is worth pursuing if you've been bit by the audiophile bug. To limit costs, here's what I did. Set a price limit now. Spend plenty of time researching and listening to speakers within that limit. Buy the ...
by Anon1234
Tue Feb 26, 2013 8:10 pm
 
Forum: Personal Consumer Issues
Topic: any boglehead cure for audiophile upgrade-itis?
Replies: 62
Views: 3863

Re: Tax question: Payroll deducted charitable giving

It sure seems to me like the charity itself would be sending you a Receipt in order to document your giving --- even if it came from payroll deduction. You really want that receipt because it tells you the money really went to where you wanted it to go and not into the back pocket of someone in you...
by Anon1234
Sat Jan 26, 2013 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax question: Payroll deducted charitable giving
Replies: 4
Views: 276

Re: Tax question: Payroll deducted charitable giving

If it is an after tax deduction, it won't appear on the W2. The year-end paystub should show all deductions - that should suffice for itemizing the donation if that is your intent. That's my intent. I agree it should suffice, but if I need that other thing I sure would like to get it now instead of...
by Anon1234
Sat Jan 26, 2013 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax question: Payroll deducted charitable giving
Replies: 4
Views: 276

Tax question: Payroll deducted charitable giving

2012 was my first year using payroll deduction for giving. I'm doing my own taxes again now that my bogleheaded investments have made it more simple (thanks bogleheads!). So, two questions: 1) Has the contribution already been deducted from my W2 Box 1? It does not explicitly appear on my W2. And, m...
by Anon1234
Sat Jan 26, 2013 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax question: Payroll deducted charitable giving
Replies: 4
Views: 276

Re: Mr. Market Doesn't Care What You Think!

midareff wrote:a contrarian indicator.... :twisted:


Do they have a chart showing previous 1wk and 6mos return versus net sentiment? I suspect (aggregate) investor sentiment would be a better lagging indicator. Edit: Nevermind, that's the correlation chart. They did 1, 2 and 4 weeks, but didn't show 26.
by Anon1234
Sat Jan 26, 2013 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market Doesn't Care What You Think!
Replies: 16
Views: 1856

Re: How loud is impact noise?

Op, To calculate a maximum SPL you would take the mass and speed of the object, and find its energy at the moment of impact. Assume that all the energy is converted to sound (no vibration, no friction, no heating, no recoil (bouncing). Then you would need to assume some dispersion pattern, possibly ...
by Anon1234
Tue Jan 22, 2013 11:20 pm
 
Forum: Personal Consumer Issues
Topic: How loud is impact noise?
Replies: 24
Views: 1574

Re: Did you release you your Personal CPI?

Boglenaut wrote:Most places I read my paper at raised value drinks from $1 to $1.19. So I suspect it's off to a +19% start.

Edit - But I get 5 refills now instead of 4, so maybe I stayed about even?


No, because you changed your market basket.
by Anon1234
Thu Jan 17, 2013 1:40 am
 
Forum: Investing - Theory, News & General
Topic: Did you release your Personal CPI?
Replies: 20
Views: 1252

Re: Question Regarding the Retirement Calculator from Hell

Why would having more people save result in lower expected returns? If everyone is saving, who wants your money? Perhaps you have noticed that bond yields are very low. That is largely because everyone is trying to save at the same time in order to deleverage so no one is willing to pay you for sav...
by Anon1234
Thu Jan 17, 2013 1:08 am
 
Forum: Investing - Theory, News & General
Topic: Question Regarding the Retirement Calculator from Hell
Replies: 29
Views: 4734

Re: Question Regarding the Retirement Calculator from Hell

Rising productivity is almost always ignored by those who prophecy doom and gloom due to demographics. The ratio of workers to retirees may be predicted to decline, but predicted increases in productivity (output per worker) more than make up for the decline, leaving everyone (workers and retirees)...
by Anon1234
Thu Jan 17, 2013 12:40 am
 
Forum: Investing - Theory, News & General
Topic: Question Regarding the Retirement Calculator from Hell
Replies: 29
Views: 4734

Re: Question Regarding the Retirement Calculator from Hell

Does this mean that the Bogleheads are acting against their own best interests by promoting financial literacy? Yes, in the same way that if we all got together and blew against the wind, we could change the weather. Funny! But if this is all true, then why do people get so worked up over other peo...
by Anon1234
Thu Jan 17, 2013 12:21 am
 
Forum: Investing - Theory, News & General
Topic: Question Regarding the Retirement Calculator from Hell
Replies: 29
Views: 4734
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