Search found 1129 matches

by Pacific
Mon Jun 29, 2015 12:49 am
Forum: Investing - Theory, News & General
Topic: Puerto Rico Governor Says Island’s Debts Are ‘Not Payable’
Replies: 37
Views: 3480

Re: Puerto Rico Governor Says Island’s Debts Are ‘Not Payable’

"A U.S. commonwealth with a population of 3.6 million, Puerto Rico carries more debt per capita than any state in the country. The island has been staggering under the increasing weight of those obligations for years as its economy has tanked, triggering an exodus of island residents to the mai...
by Pacific
Mon Jun 22, 2015 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refund check from IRS
Replies: 3
Views: 823

Re: Refund check from IRS

Well, should I cash the check, tear it up, or return it somewhere?
by Pacific
Fri Jun 19, 2015 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Refund check from IRS
Replies: 3
Views: 823

Refund check from IRS

On my 2013 tax return, I forgot to claim the additional $1,500 standard deduction for being over age 65. So in May, 2014, I filed a 1040X amending it and directing that the $375 overpayment that I made be applied to my 2014 taxes. My 2014 tax return listed the $375 on lines 65 and 74. I received a c...
by Pacific
Tue May 26, 2015 3:10 am
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 38
Views: 2411

Re: $4500 reasonable for wills for blended family and some trusts?

I was going to advise waiting to see if Bruce Steiner weighed in. I see that he did. I would follow bsteiner's advice. He is like the old EF Hutton ads.
by Pacific
Tue Mar 31, 2015 4:34 pm
Forum: Investing - Theory, News & General
Topic: Bernanke's Blog: why are interest rates so low?
Replies: 52
Views: 7612

Re: Bernanke's Blog: why are interest rates so low?

Ah, finally the answer to "Which came first, the chicken or the egg?"
by Pacific
Sun Mar 29, 2015 3:51 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 137
Views: 15626

Re: Rick Ferri's 30 year market forecast 2015

More importantly, in my opinion,

1. What is the prediction for the return of Vanguard's Energy fund for just the next year?

2. If 30-year outlooks change each year, what's the point?
by Pacific
Fri Mar 13, 2015 12:00 am
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 6987

Re: $600 night guard for teeth grinding, really?

I got Invisalign instead for $7000 ish. It really helped - not only in moving my teeth to a better position to fix the problem more systemically but the retainer(s) act like a mouthguard as well. Though lately I've been a bit slack about wearing my retainer and am noticing a bit of jaw pain creepin...
by Pacific
Thu Mar 12, 2015 11:57 pm
Forum: Investing - Theory, News & General
Topic: Finra raps UBS, Vanguard with fines totaling $850,000
Replies: 23
Views: 3176

Re: Finra raps UBS, Vanguard with fines totaling $850,000

Uncle Pennybags wrote:Upon further review it's not a bad as it looks. What happened is payroll didn't inform compliance when an "adviser" had her wages garnished. Compliance is supposed to investigate all leans and garnishments to see if they require reporting and listing.


$350,000 for THAT?????
by Pacific
Thu Mar 12, 2015 11:52 pm
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 4022

Re: An arm and a leg ... for a middle finger?

I am still trying to figure out why you were "upset with kid for being careless." He was playing catch with a football! Glad my Dad never got upset with me for being so "careless." Not surprisingly, you don't acknowledge any "carelessness" on your part for having a simi...
by Pacific
Mon Feb 16, 2015 12:48 am
Forum: Personal Consumer Issues
Topic: Trip to Portugal in May
Replies: 1
Views: 392

Trip to Portugal in May

I am taking my wife on an 11-day Douro River cruise (including one day in Salamanca, Spain) starting in Lisbon and ending in Porto on a Sunday morning in late May. I do not need to be in Lisbon again (for a meeting) until Thursday late afternoon. So, I am looking for suggestions on what to do betwee...
by Pacific
Tue Jan 27, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 41
Views: 3315

Re: Newer washing machine freaks out dog

I suggest contacting Cesar Millan, the Dog Whisperer. I am not kidding.
by Pacific
Fri Dec 05, 2014 3:46 pm
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 6059

Re: mother-in-law wrecked our car

Big Blue, the only good news is that you got rid of Brady Hoke.
by Pacific
Sun Nov 23, 2014 5:51 am
Forum: Personal Consumer Issues
Topic: Good books on Law to give to a teenager?
Replies: 12
Views: 1199

Re: Good books on Law to give to a teenager?

1. Circle of Greed: The Spectacular Rise and Fall of the Lawyer Who Brought Corporate America to Its Knees

2. The Fall of the House of Zeus: The Rise and Ruin of America's Most Powerful Trial Lawyer

3. Attorney for the Damned: Clarence Darrow in the Courtroom
by Pacific
Fri Nov 21, 2014 3:05 am
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 10961

Re: Paid off our Mortgage this evening!

Congratulations! The comments on here have convinced me to do the same next month. 1. I probably will not be itemizing next year. 2. I have a PenFed 7/1 ARM at 3.128% interest and will owe $62,000 (of original $260,000 purchase price) next month. 3. The payoff of the remaining balance will come from...
by Pacific
Wed Nov 12, 2014 4:31 pm
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 16467

Re: Vanguard launches new offering ...

Prices are great. I am ordering the golf cap and plain gray Vanguard tee shirt.

I wonder if these are made in emerging market countries?
by Pacific
Wed Nov 05, 2014 4:55 pm
Forum: Investing - Theory, News & General
Topic: Interest is so low that Germans have to pay for savings
Replies: 19
Views: 2095

Re: Interest is so low that Germans have to pay for savings

Then the Germans should just put theri money in a place like . . . . Iceland. :oops:
by Pacific
Tue Nov 04, 2014 4:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 8045

Re: Vanguard web site changes

How will this work if you are traveling overseas and cannot get a text message?
by Pacific
Wed Oct 29, 2014 1:17 pm
Forum: Personal Consumer Issues
Topic: canceled flight on AA: premium seat fee not refunded
Replies: 30
Views: 2585

Re: AA canceled flight: premium seat fee not refunded

Grok, That's why the missus and I stopped flying American to DFW where we have grandchildren. The customer service has simply fallen off as repeated customer surveys show. We regret it. We enjoyed our Advantage perks in the past. Lev Sorry to break it to you but this is not limited to American.
by Pacific
Wed Oct 29, 2014 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 47
Views: 4586

Re: What online banks do you like for savings or MMA?

I use PenFed and Ally. Never a problem.
by Pacific
Fri Oct 17, 2014 11:05 pm
Forum: Investing - Theory, News & General
Topic: important supreme court case [on high cost 401k plans]
Replies: 7
Views: 1738

Re: important supreme court case

I thought that was an extremely well written article.
by Pacific
Thu Oct 16, 2014 3:33 am
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3727

Re: Your personal risk level: Got your flu shot yet?

I got my first flu shot ever last week. Immune system doesn't work well when you get older, so I finally caved after getting my first cold in decades last spring. I used to work in a hospital so didn't catch anything in the real world. Just a warning, the arm where it was injected lost some muscle ...
by Pacific
Fri Oct 10, 2014 3:13 pm
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 39243

Re: Headed for a 300+ point loss today?

While the likelihood of it happening is slim, if this week was the start of a 5 or 10 year slump in stocks, it will be interesting to look back on all of the comments made in this thread.
by Pacific
Thu Oct 09, 2014 4:50 am
Forum: Investing - Theory, News & General
Topic: I'm Chuck and I work at Vanguard and Invest in Active Funds
Replies: 44
Views: 9053

Re: I'm Chuck and I work at Vanguard and Invest in Active Fu

Low cost matters much more than passive vs active. It isn't that active management doesn't work. It's that it doesn't work well enough to overcome its costs. Chuck seems like a neat guy. But I can’t help it. I use five Vanguard active funds—three stock, two bond—for one-third of my personal 401(k) ...
by Pacific
Thu Sep 18, 2014 6:02 pm
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 47
Views: 5053

Re: Australia and New Zealand

I tell people that they shouldn't go to New Zealand unless they can take five weeks. We did it in three and it felt rushed.


True, but you could go to Queenstown on the South Island and do everything imaginable in about 8 hours!
by Pacific
Sat Sep 06, 2014 5:41 pm
Forum: Personal Consumer Issues
Topic: Suggestions for 10 days on Hawaiian Islands
Replies: 24
Views: 1636

Re: Suggestions for 10 days on Hawaiian Islands

Teens might be bored on Kauai, so I suggest Kauai, Maui, and Big Island. I also suggest ZERO days in Oahu.
by Pacific
Fri Aug 29, 2014 10:53 pm
Forum: Personal Consumer Issues
Topic: Sports Motivation Waning
Replies: 18
Views: 1816

Re: Sports Motivation Waning

WhyNotUs wrote:[Medical advice removed by admin LadyGeek]


+1
by Pacific
Fri Aug 29, 2014 2:19 pm
Forum: Personal Consumer Issues
Topic: Probability question
Replies: 14
Views: 1260

Probability question

The organizer of our fantasy football league has drawn the #1 draft position out of a basket for the second straight year. He asked me "What are the odds?" I told him the odds were obviously 1-1 since he was the guy in charge. But, seriously, since it is a 12-man league, I assume the odds ...
by Pacific
Thu Aug 21, 2014 11:52 am
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 6750

Re: Buying a home with aluminum wiring?

jack, I've know a few doctor-lawyers, but you are the first electrician-lawyer. At least, that is one of the best closing arguments I have read! :happy
by Pacific
Thu Jul 24, 2014 3:58 pm
Forum: Investing - Theory, News & General
Topic: [Saudi Arabian stock exchange to open to foreign investors]
Replies: 18
Views: 1513

Re: [Saudi Arabian stock exchange to open to foreign investo

What would be there to invest in ?


[OT comments removed by admin LadyGeek]
by Pacific
Thu Jul 24, 2014 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Term Life through an Irrevocable Life Insurance Trust
Replies: 11
Views: 947

Re: Help! Term Life through an Irrevocable Life Insurance Tr

5. Can you please provide contacts at any good estate planning lawyers/firms in NJ that you may have used or come across?


You can't get any gooder than Bruce Steiner at Kleinberg, Kaplan, Wolff & Cohen :sharebeer :sharebeer
by Pacific
Sun Jul 06, 2014 3:45 pm
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 5334

Re: Neighbor's Fireworks

What would you do in this situation?


Nothing, other than clean off my roof.
by Pacific
Thu Jun 26, 2014 3:33 pm
Forum: Personal Consumer Issues
Topic: Class-action lawsuits
Replies: 16
Views: 1604

Re: Class-action lawsuits

Class action you say?? Fantastic book (and you will never look at class actions the same way again): The Circle of Greed (or how the leading class action lawyer in America, California's own Bill Lerach, became a convicted felon) http://www.amazon.com/Circle-Greed-Spectacular-Brought-Corporate/dp/076...
by Pacific
Tue Jun 24, 2014 4:38 am
Forum: Personal Consumer Issues
Topic: Question about divorce & settlement
Replies: 39
Views: 2461

Re: Question about divorce & settlement

Which of the 50 different answers are you looking for? I can tell you the answer for my state, but I can't tell you the answer for the hypothetical state of your hypothetical dude with the hypothetical wife and the hypothetical house and the hypothetical stocks, at least not until you tell us the h...
by Pacific
Tue Jun 17, 2014 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Nevada's 529's website
Replies: 4
Views: 412

Re: Nevada's 529's website

It appears that Nevada's (Vanguard's) 529 plan is administered through Vanguard's website. I would just like to verify this with somebody who has a 529 through Nevada - does the 529 account get associated with your standard Vanguard login? Does your 529 plan holdings show up in the all accounts sum...
by Pacific
Tue Jun 17, 2014 12:34 am
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 6619

Re: Shopping at Costco

I did ask around in my friend circle, but no one has a Costco membership. :( Get new friends. You will need friends to take care of your finances when you are no longer able to. Plus, they will be able to buy you 1000 packs of Depends at a really good price at Costco. :happy :) :) :happy :happy :)
by Pacific
Mon Jun 16, 2014 8:04 pm
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 6619

Re: Shopping at Costco

You could go with a friend.

If you buy a membership, you will be surprised at how much you will use it (lots!).
by Pacific
Fri Jun 13, 2014 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawal of Roth earnings by a non-resident alien
Replies: 14
Views: 1175

Re: Withdrawal of Roth earnings by a non-resident alien

It's really strange that the IRS isn't more clear about this.
:D :D :D :D

What would happen if your father moves back to the U.S. to withdraw his Roth money?
by Pacific
Mon Jun 09, 2014 11:12 am
Forum: Investing - Help with Personal Investments
Topic: [Poll] How do you rebalance?
Replies: 30
Views: 1845

Re: [Poll] How do you rebalance?

Unfortunately, this poll can have several "correct" responses.
by Pacific
Sat Jun 07, 2014 2:15 am
Forum: Investing - Theory, News & General
Topic: Am I thinking this correctly? Reinvesting in IRA's
Replies: 21
Views: 1398

Re: Am I thinking this correctly? Reinvesting in IRA's

sscritic answered this. But to be more clear and direct: 1. There is a limit on IRA contributions (how much money you can take from "outside" and put "inside"). This is the only restriction. 2. Once the money is inside, you can do whatever you want with it (i.e. sell shares, buy...
by Pacific
Fri Jun 06, 2014 9:31 pm
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 2078

Re: Hiring an attorney? Advice please

It would be helpful to know what area of the law is involved. A few random observations from someone who practiced law for 30 years and also during that time hired other lawyers (on hourly and on contingency), and accountants. If you do not have experience with litigation and working with lawyers y...
by Pacific
Fri Jun 06, 2014 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: HOA questions
Replies: 43
Views: 3574

Re: HOA questions

WhyNotUs wrote:Need to get on the board and ask the board to appoint you and one or two board members as a cost-control task group. Outside efforts often disregarded as a threat unless you have been asked.


+1

believe me
by Pacific
Fri Jun 06, 2014 9:09 pm
Forum: Investing - Theory, News & General
Topic: Am I thinking this correctly? Reinvesting in IRA's
Replies: 21
Views: 1398

Re: Am I thinking this correctly? Reinvesting in IRA's

hunter1801 wrote:I understand that....but it doesn't really answer the questions I was asking.


Actually, I thought Socrates :happy answered your questions.
by Pacific
Fri Jun 06, 2014 2:52 am
Forum: Investing - Theory, News & General
Topic: European Central Bank short term interest now -0.10%
Replies: 12
Views: 1193

Re: European Central Bank short term interest now -0.10%

Just curious what effect this will have on Vanguard's Total International Bond Fund?
by Pacific
Wed Jun 04, 2014 4:00 am
Forum: Personal Finance (Not Investing)
Topic: Can a dead woman take her RMD?
Replies: 47
Views: 3736

Re: Can a dead woman take her RMD?

In order to avoid exactly this type of situation, would it be wise for those persons who take their RMDs to do so as a lump sum each January?
by Pacific
Tue Jun 03, 2014 10:07 pm
Forum: Personal Consumer Issues
Topic: Does anyone here play fantasy football?
Replies: 27
Views: 1067

Re: Does anyone here play fantasy football?

Don Christy wrote:Does "real" football count? I'm in an English Premier League Fantasy league! It just ended...
Don


No!
by Pacific
Tue Jun 03, 2014 10:06 pm
Forum: Personal Consumer Issues
Topic: Does anyone here play fantasy football?
Replies: 27
Views: 1067

Re: Does anyone here play fantasy football?

I have been in a 12 team league since the 1993 season (currently commissioner). Some members have come and gone, but there are still several founding members in the league and it is a great way to stay in touch and have some fun. We charge a nominal fee every year of $60 and the league is structure...
by Pacific
Tue Jun 03, 2014 4:47 pm
Forum: Personal Consumer Issues
Topic: Recommend a 1 month trip abroad.
Replies: 37
Views: 4769

Re: Recommend a 1 month trip abroad.

New Zealand (although I'd rather go in warmer months Nov-March). Agreed. You really need to spend at least a month in New Zealand to properly see the place. +1 I would spend an entire month touring the South Island of New Zealand. Beautiful. No, BEAUTIFUL. Skiing, trekking, Milford Sound, Franz Jos...
by Pacific
Tue Jun 03, 2014 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Living in or near San Diego
Replies: 17
Views: 4032

Re: Living in or near San Diego

Pros: Already been listed

Cons: Chargers, Padres
by Pacific
Wed May 28, 2014 12:07 am
Forum: Personal Consumer Issues
Topic: Need laptop advice. Lenovo IdeaPad S210 59387503?
Replies: 10
Views: 583

Re: Need laptop advice. Lenovo IdeaPad S210 59387503?

I have loved Lenovo's Thinkpad line for years.

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