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Re: important supreme court case

I thought that was an extremely well written article.
by Pacific
Sat Oct 18, 2014 12:05 am
 
Forum: Investing - Theory, News & General
Topic: important supreme court case [on high cost 401k plans]
Replies: 7
Views: 1560

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
Thu Oct 16, 2014 4:33 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 2990

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
Fri Oct 10, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28453

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 Oct 09, 2014 5:50 am
 
Forum: Investing - Theory, News & General
Topic: I'm Chuck and I work at Vanguard and Invest in Active Funds
Replies: 44
Views: 7322

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
Thu Sep 18, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 38
Views: 3243

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
Sat Sep 06, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 10 days on Hawaiian Islands
Replies: 24
Views: 1462

Re: Sports Motivation Waning

WhyNotUs wrote:[Medical advice removed by admin LadyGeek]


+1
by Pacific
Fri Aug 29, 2014 11:53 pm
 
Forum: Personal Consumer Issues
Topic: Sports Motivation Waning
Replies: 18
Views: 1678

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
Fri Aug 29, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Probability question
Replies: 14
Views: 1179

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 Aug 21, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 4964

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 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: [Saudi Arabian stock exchange to open to foreign investors]
Replies: 18
Views: 1415

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
Thu Jul 24, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Term Life through an Irrevocable Life Insurance Trust
Replies: 11
Views: 757

Re: Neighbor's Fireworks

What would you do in this situation?


Nothing, other than clean off my roof.
by Pacific
Sun Jul 06, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4641

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
Thu Jun 26, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Class-action lawsuits
Replies: 16
Views: 1317

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 24, 2014 5:38 am
 
Forum: Personal Consumer Issues
Topic: Question about divorce & settlement
Replies: 39
Views: 2160

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 1:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Nevada's 529's website
Replies: 4
Views: 349

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
Tue Jun 17, 2014 1:34 am
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5522

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
Mon Jun 16, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5522

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
Sat Jun 14, 2014 12:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Withdrawal of Roth earnings by a non-resident alien
Replies: 14
Views: 1046

Re: [Poll] How do you rebalance?

Unfortunately, this poll can have several "correct" responses.
by Pacific
Mon Jun 09, 2014 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Poll] How do you rebalance?
Replies: 30
Views: 1735

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
Sat Jun 07, 2014 3:15 am
 
Forum: Investing - Theory, News & General
Topic: Am I thinking this correctly? Reinvesting in IRA's
Replies: 21
Views: 1284

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 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 1996

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 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA questions
Replies: 43
Views: 3367

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 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: Am I thinking this correctly? Reinvesting in IRA's
Replies: 21
Views: 1284

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
Fri Jun 06, 2014 3:52 am
 
Forum: Investing - Theory, News & General
Topic: European Central Bank short term interest now -0.10%
Replies: 12
Views: 1145

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
Wed Jun 04, 2014 5:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Can a dead woman take her RMD?
Replies: 47
Views: 3460

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 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here play fantasy football?
Replies: 27
Views: 902

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 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here play fantasy football?
Replies: 27
Views: 902

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 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a 1 month trip abroad.
Replies: 37
Views: 3534

Re: Living in or near San Diego

Pros: Already been listed

Cons: Chargers, Padres
by Pacific
Tue Jun 03, 2014 1:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Living in or near San Diego
Replies: 17
Views: 1835

Re: Need laptop advice. Lenovo IdeaPad S210 59387503?

I have loved Lenovo's Thinkpad line for years.
by Pacific
Wed May 28, 2014 1:07 am
 
Forum: Personal Consumer Issues
Topic: Need laptop advice. Lenovo IdeaPad S210 59387503?
Replies: 10
Views: 525

Re: Swedroe's New Book

Larry, many thanks for your contributions to the forum. Sometimes (like now??) I don't understand how you put up with some of the rude people. Thanks again.
by Pacific
Sun May 25, 2014 4:23 am
 
Forum: Investing - Theory, News & General
Topic: Swedroe's New Book
Replies: 76
Views: 12638

Desert Solitaire

I'm sorry, but I just can't resist quoting this paragraph from Edward Abbey's Desert Solitaire : (This is where "Having indulged myself in a number of harsh judgments upon the Park Service, the tourist industry, and the motoring public, I now feel entitled to make some constructive. practical, ...
by Pacific
Sat May 24, 2014 12:50 am
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4750

Re: Ads in Yahoo email inbox that aren't email

You can click on the ghost in the bar -> gear on the top -> options -> Blocking options and block all the sites without needing to manually do them all. These instructions are for firefox, but they exist for the other browsers as well though getting to them might be slightly different. I never saw ...
by Pacific
Sat May 24, 2014 12:39 am
 
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 21
Views: 1811

Re: Youtude videos on economics for my son to watch

DSInvestor wrote:Khan Academy has lots of educational videos and they have a section on economics:
https://www.khanacademy.org/

It's an amazing resource.


+100
by Pacific
Sat May 24, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: Youtude videos on economics for my son to watch
Replies: 11
Views: 803

Re: Moving to Alaska

I immediately pictured the John Wayne - Stewart Granger movie North to Alaska and, to a lesser extent, the Johnny Horton song. Good luck. Or rather, good night, sleep tight, and don't let the grizzlies bite.
by Pacific
Sat May 24, 2014 12:34 am
 
Forum: Personal Consumer Issues
Topic: Moving to Alaska
Replies: 19
Views: 2650

Re: Ads in Yahoo email inbox that aren't email

I found some information on this Yahoo scheme. From the link you can find out what they know about you and what they are targeting. I have 27 companies tracking what I'm doing. There is an individual opt out option and an opt out-all option. I tried the all option and I got a message that it would ...
by Pacific
Fri May 23, 2014 4:59 am
 
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 21
Views: 1811

Re: Hawaii for winter

Waimea/Kamuela is worth considering as well. Not too far to Hapuna Beach, a nice town, and occasionally can find a furnished rental at a reasonable price. I used to own a farm in Hawi and hold it in high regard but it is probably a little off the beaten path for you. Waimea/Kamuela is worth conside...
by Pacific
Fri May 23, 2014 4:52 am
 
Forum: Personal Consumer Issues
Topic: Hawaii for winter
Replies: 10
Views: 2316

Re: Grand Canyon

I don't mean to hijack this thread, but if you are interested at all in national parks, you might want to read Edward Abbey's Desert Solitaire.
by Pacific
Thu May 22, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4750

Re: Break is over (Yep, a SS question)

sscritic wrote:This is a myth that has been perpetrated for years, but it is still just a myth no matter how many times it is repeated.


But, but, I read it somewhere on the internet so it must be true. :shock:
by Pacific
Thu May 22, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Break is over (Yep, a SS question)
Replies: 37
Views: 2837

Re: Best source for cheap airfares?

Malaysia Airlines
by Pacific
Thu May 22, 2014 1:24 am
 
Forum: Personal Consumer Issues
Topic: Best source for cheap airfares?
Replies: 11
Views: 1295

Re: Gift Tax Question

Many thanks for the thoughts and suggestions of everyone, including sscritic (a/k/a Socrates :happy ). I am summarizing what I consider to be the relevant points below (though I have taken the liberty of eliminating much of the language which I believe does not apply). I. It appears clear that the m...
by Pacific
Wed May 21, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gift Tax Question
Replies: 14
Views: 1463

Re: Gift Tax Question

I am sorry sscritic, but I am now more confused than ever. The fault does not lie with you, but with the wording of the various laws, regulations, and treaty language. I thought after reading the information that the mother (who has never been a US citizen or resident) could give a cash gift, for pu...
by Pacific
Wed May 21, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Gift Tax Question
Replies: 14
Views: 1463

Re: Gift Tax Question

I just realized I did not ask any questions on my last post! So, let me re-phrase it: (The mother was never a U.S. citizen.) Does it make a difference if the gift from mother to daughter comes from mother's U.S. based investment account rather than from a foreign bank? "Generally, nonresident a...
by Pacific
Wed May 21, 2014 3:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Gift Tax Question
Replies: 14
Views: 1463

Re: Gift Tax Question

Thank you for all the replies. 1. The gift from the alien non-resident mother is not from a foreign bank account, but from the mother's investments (including those with Vanguard) located in the U.S. 2. The gift is not of the soon to be purchased house, but for part of the down payment for the soon ...
by Pacific
Tue May 20, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gift Tax Question
Replies: 14
Views: 1463

Gift Tax Question

Mother (non-U.S. citizen and non-U.S. resident) is giving her daughter (U.S. citizen and U.S. resident) a gift of substantially more than $14,000 in 2014 for part of a down payment on daughter's new home. Is my understanding correct that mother does not have to file or pay gift tax? Also, is my unde...
by Pacific
Tue May 20, 2014 6:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Gift Tax Question
Replies: 14
Views: 1463

Re: Lawyer recommends trust

As usual, many thanks to Bruce Steiner for his input on this forum. I just wish he would move from the most expensive city in the country to a small town in the midwest!
by Pacific
Sun May 18, 2014 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer recommends trust
Replies: 81
Views: 5488

Re: Pull-ups and Push-ups

Although it does not include pull-ups, here is a short workout that doesn't call for much equipment: The Scientific 7-Minute Workout ( high-intensity circuit training using body weight as resistance ) http://2.bp.blogspot.com/-zEBGZdvr6UQ/Uw5-106RqcI/AAAAAAAAA7U/TI9aZLouDUM/s1600/workout.jpg Those ...
by Pacific
Wed May 14, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 46478

Re: Can I be a boglehead and join a golf club?

frugalhen, to me this is a slam dunk -- join.

The $8K to join and $8K per year isn't the expensive part -- it is the price of all the darn lost golf balls that adds up.
by Pacific
Mon May 12, 2014 3:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4719
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