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Re: Zegna Suits

I've been a fan of Joseph Abboud suits, which I used to buy on sale at Nordstrom. I very much like the quality, and they fit me perfectly without alterations (other than finishing the legs). I believe that the company was recently bought out by Men's Wearhouse. Take a look. Should be under $700.
by anonenigma
Mon Aug 25, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 7903

Bedbugs and Wood Furniture

My mother's apartment, in a large building, has had bedbug issues over the past few months. The apartment has been treated multiple times, but bedbugs are notoriously difficult to get rid of. Mom is giving up her apartment and moving to assisted living (not due to the bedbugs), and there are a few p...
by anonenigma
Sat Aug 23, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Bedbugs and Wood Furniture
Replies: 3
Views: 744

Re: College Counselors

Focus on the UCs, especially since he wants a larger school. They're highly rated and a great deal for students who qualify for in-state tuition. Take a couple of road trips and see the campuses in person. If his SAT is just okay, focus on all but UCB, UCLA and UCSD. Davis, Irvine and Santa Barbara ...
by anonenigma
Sun Aug 17, 2014 2:20 am
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1946

Re: Medicare or Other for Caregiver Emergency?

What kind of care does your father need? Does someone need to be there 24x7, or does he just need help for a few hours a day? Does he need care for medical issues or just assistance with basic tasks? I doubt that Medicare will help much with this, as it's your mother who is having the surgery. There...
by anonenigma
Sun Aug 17, 2014 2:10 am
 
Forum: Personal Consumer Issues
Topic: Medicare or Other for Caregiver Emergency?
Replies: 7
Views: 445

Re: Is Medigap insurance really needed?

One more thing. As I understand it, Medicare covers 100% of all hospitalizations plus lab tests and medications during a hospitalization - after the deductible is paid. What I've seen from my parents' hospitalizations is small charges from doctors, including those who read x-rays and EKGs.
by anonenigma
Sat Aug 02, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4154

Re: Is Medigap insurance really needed?

Very provocative. I'd had that thought about my mother but decided to play it safe and keep a Medicare F supplement in place. In addition to what the doctor discusses, it covers additional days in skilled nursing (if needed - pretty unlikely) as well as the fees of doctors who do not accept Medicare...
by anonenigma
Sat Aug 02, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4154

401(k) to SEP or Roth

My wife, who is 44, has about $30,000 in a 401(k) from a job she left two years ago. Planning to move to VG, where she has both a SEP and a Roth. Given her age, is it smarter to pay the tax (25% federal plus 7-8% state - assume there's no self-employment tax) and go Roth?

Thanks for your guidance.
by anonenigma
Sat Jul 26, 2014 11:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) to SEP or Roth
Replies: 1
Views: 181

Re: 2 days in San Francisco

Consider a couple of hours in North Beach, home of the Beat poets and San Francisco's Italian community. Visit City Lights Bookstore, have an amazing sandwich from Molinari's (eat it in Washington Square Park?), and an espresso at Cafe Trieste. Perhaps purchase of pound of coffee beans at Graffeo an...
by anonenigma
Fri Jul 18, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in San Francisco
Replies: 25
Views: 1718

Re: Teacher Considering Career Change

The administration at your school may well have been toxic, but it all comes down to how you feel about the kids. If you fundamentally enjoy working with them, teaching is a great profession. Also, how deeply do you believe in the importance of your subject matter? You were an econ major teaching ma...
by anonenigma
Thu Jul 17, 2014 2:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Teacher Considering Career Change
Replies: 49
Views: 3940

Re: Continue subscribing to local newspaper?

Dropped L.A. Times a few years ago because its coverage of education (my field) is totally dishonest.

We happily pay for the New York Times to be delivered, though we mostly read it online.
by anonenigma
Sat Jul 05, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6386

Re: Anyone use Wells Fargo Bank?

I've been with Wells Fargo for more than 40 years - they were the bank on campus. I haven't had any negative episodes, and I don't recall paying them fees. I just keep the required minimum balance in my checking account, and that's that. Their bill pay is excellent. Their ATMs are better than those ...
by anonenigma
Tue Jul 01, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Wells Fargo Bank?
Replies: 57
Views: 7738

Re: No Foreign Transaction Fee, No Annual Fee

Amex Platinum card doesn't charge the foreign transaction fees (or will refund them if such shows up), according to the rep just now. Yes, yes, the annual fee is high. We make up for it many times over each year with the other direct monetary perks, in addition to often getting free upgrades (even ...
by anonenigma
Sat Jun 28, 2014 1:55 am
 
Forum: Personal Finance (Not Investing)
Topic: No Foreign Transaction Fee, No Annual Fee
Replies: 33
Views: 4391

Re: Favorite guitarist...

Paco de Lucia, Julian Bream, Antonio Bribiesca, Barney Kessel, Django Reinhardt, Andres Segovia
by anonenigma
Sat Jun 07, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21100

Re: Restaurants in New York City?

Luzzo's for pizza. Junior's for strawberry cheesecake. Russ and Daughters for smoked fish (not sit down). Second Avenue Deli for deli. Cafe Mogador.
by anonenigma
Tue May 20, 2014 2:41 am
 
Forum: Personal Consumer Issues
Topic: Restaurants in New York City?
Replies: 42
Views: 2774

Re: Why did I just get a 2012 CA income tax refund check?

I didn't get a check from FTB, but I did get a bill recently (May 7th) for just under $1,200. I called FTB and, while I was waiting on the phone for half an hour, compared the bill with my return. It didn't take long to figure out what happened: They had not credited the check I mailed with my retur...
by anonenigma
Sun May 18, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Why did I just get a 2012 CA income tax refund check?
Replies: 15
Views: 1468

Re: "Moshe Milevsky on Tontines"

I knew about tontines because of the television series, "The Wild, Wild West," which had an episode titled, "The Night of the Tottering Tontines."

http://www.imdb.com/title/tt0748583/
by anonenigma
Sat May 17, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: "Moshe Milevsky on Tontines"
Replies: 28
Views: 2601

Re: 403b Mess

They are exempt from ERISA.

It doesn't appear like there are any good choices there.

In response to the poster who mentioned PlanMember Services, all of their offerings are extremely high cost except the Direct. Watch out for them.
by anonenigma
Sat May 03, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b Mess
Replies: 8
Views: 723

Re: True cost of owning a house

The New York Times has an interactive graphic on this - might help refine your methodology:

http://www.nytimes.com/interactive/busi ... lator.html
by anonenigma
Tue Apr 29, 2014 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: True cost of owning a house
Replies: 47
Views: 3527

Re: Success with free extended warranty benefit from cred ca

Through the years I have had to use the AMEX warranty three or four times, and every time they have been fantastic and fast.
by anonenigma
Fri Apr 18, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Success with free extended warranty benefit from cred cards?
Replies: 14
Views: 1367

Re: Overcontribution to 401k, how to reflect that on my taxe

Sounds like you did it wrong. Self employed person's SEP goes on 1040 as an income adjustment. Only employees' contribution goes on sch. c. IRS might pick up on the mistake if the contribution is more than 25 percent of w-2 total wages(if any at all). And you should not go ahead with showing a dedu...
by anonenigma
Mon Apr 14, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overcontribution to 401k, how to reflect that on my taxes
Replies: 14
Views: 690

Re: Overcontribution to 401k, how to reflect that on my taxe

I just did something similar with my wife's SEP, and it was hard to figure out. If there were earnings associated with the money you withdrew, those earnings will be taxed as regular income in 2014, BUT there will be a 10% penalty on those earnings on your 2013 return. In TurboTax, I had to create ...
by anonenigma
Mon Apr 14, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overcontribution to 401k, how to reflect that on my taxes
Replies: 14
Views: 690

Getting Out of Contract w/ATT Uverse

We have the misfortune of having our internet and home phone service with ATT Uverse. For the past six days, since they had a national outage, we have had neither internet nor home phone service. I have spent nearly three hours on the phone with them, and while the customer service reps are nice, no...
by anonenigma
Mon Apr 14, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Getting Out of Contract w/ATT Uverse
Replies: 3
Views: 626

Re: Overcontribution to 401k, how to reflect that on my taxe

I just did something similar with my wife's SEP, and it was hard to figure out. If there were earnings associated with the money you withdrew, those earnings will be taxed as regular income in 2014, BUT there will be a 10% penalty on those earnings on your 2013 return. In TurboTax, I had to create a...
by anonenigma
Mon Apr 14, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overcontribution to 401k, how to reflect that on my taxes
Replies: 14
Views: 690

Re: Can you Max out 2 457b plans during the same year?

Yes, my old job has both, 457b and 401k plans now. I've only used the 457b, but I could open a 401K and put the max $23,000 in it. I'll put $17,500 into my 457b and open a 401K and max it out with $23,000. I could then rollover the 401K to Vanguard IRA. But because of my income, I can not add any m...
by anonenigma
Fri Apr 11, 2014 2:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Can you Max out 2 457b plans during the same year?
Replies: 12
Views: 858

Re: Can you Max out 2 457b plans during the same year?

You can't max out both - that's for sure.

Does your current job have a 403(b) or 401(k) to which you can contribute?
by anonenigma
Wed Apr 09, 2014 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you Max out 2 457b plans during the same year?
Replies: 12
Views: 858

Re: New TV or Sound bar?

I'm happy with the Sony 660 sound bar. Lists for $399 but Amazon is selling it for about $290.
by anonenigma
Wed Apr 09, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 3307

Re: Tax Question: Overcontribution to SEP

Confusing stuff. I think I have figured out the substitute 1099-R, since Vanguard won't send one until 2015 even though this is for 2013 taxes. Final question: Since the 1099-R shows the return of the contribution, do a keep the full original contribution amount on the Schedule C or reduce it to the...
by anonenigma
Sat Apr 05, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: Overcontribution to SEP
Replies: 9
Views: 501

Tax Question: Overcontribution to SEP

In my wife's first year as a consultant, I was a little too aggressive with the employer contribution to her SEP. I had Vanguard return $2,500, which yielded a check for $2,601. Am I correct that the contribution returned just becomes income for 2013 and the dividends the contribution earned will be...
by anonenigma
Sat Apr 05, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: Overcontribution to SEP
Replies: 9
Views: 501

Re: California getaway

Fly into L.A. Drive to Back Bay Inn just south of Morro Bay via Santa Ynez Valley, stopping at the Los Olivos Grocery for lunch and Beckmen and Brander wineries for tastings (maybe free tickets from Los Olivos Grocery). Back Bay Inn is nice, relaxed, reasonably priced - Noi's Thai food in town. Driv...
by anonenigma
Wed Mar 05, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 2267

Re: Move to California means what $ ?

If wine is a big motivator, consider Central California as a less expensive alternative. There are great wineries in Paso Robles.
by anonenigma
Tue Mar 04, 2014 2:14 am
 
Forum: Personal Consumer Issues
Topic: Move to California means what $ ?
Replies: 55
Views: 4660

Re: The Great 100 thousand dollar pension question.

Double check whether the five years of airtime count toward the 25 year service requirement. I bought five year of airtime in my state teachers retirement system (before it was no longer permitted) but it did not count toward any of the longevity incentives. Otherwise, as long as your pension is gua...
by anonenigma
Sun Mar 02, 2014 12:35 am
 
Forum: Personal Finance (Not Investing)
Topic: The Great 100 thousand dollar pension question.
Replies: 71
Views: 8754

Group Term Life Via Employer

I know nothing about life insurance but just received an offer from my school district (vendor is ING) for supplemental group term life. I'd like to know if it's a good deal or not. Cost per month per thousand dollars of benefit is $0.222 for ages 55-59 and $0.317 for ages 60-64. For five times my s...
by anonenigma
Sat Mar 01, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Group Term Life Via Employer
Replies: 20
Views: 1196

Re: Nice couches are pricey, where I can get them for less?

There's a whole universe of knockoffs. We recently bought a Baxton Studio club chair that was clearly "inspired" by a chair at Crate and Barrel. Both original and knockoff were very comfortable, but the knockoff was about $360 compared to $1199 at Crate and Barrel. I purchased from Oversto...
by anonenigma
Sun Feb 16, 2014 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 43
Views: 4050

Re: Net Worth Survey 2014 Interactive Dashboard

I didn't do the survey, but I'm curious as to what multiplier was used to assess the value of a pension with (and without) COLA.
by anonenigma
Mon Feb 10, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey 2014 Interactive Dashboard
Replies: 27
Views: 5308

Re: Cost Analysis: Living in CA vs the South

I live in a 2 br. apt in the City of Los Angeles, so electric is with muni DWP. Allow $50 a month w/o any AC. If the city picks up your trash, add another $5 a month. For gas, figure $130 in a very cold month and $15 in a month in which the heat is never used. Average it at $60-70. Figure total util...
by anonenigma
Thu Jan 30, 2014 4:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5953

Re: good coffee grinder and roaster

I use a Capresso 560 burr grinder - around $90 at Amazon. It doesn't burner the coffee, which fast grinders do.
by anonenigma
Sun Jan 26, 2014 1:05 am
 
Forum: Personal Consumer Issues
Topic: good coffee grinder and roaster
Replies: 19
Views: 1400

Re: TIAA Traditional in IRA - PAYING just 1%

Of course, they won't have many new deposits offering that rate, so all they're doing is driving away customers. I just opened a Roth with Vanguard and will direct my 2014 contribution there. What's troubling to me is that a 3% minimum was promised when I opened the account. They're sticking to that...
by anonenigma
Mon Jan 20, 2014 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional in IRA - PAYING just 1%
Replies: 15
Views: 1076

Re: Constructive Criticism and Tough Love

Who is John Galt? “There are two novels that can change a bookish fourteen-year old’s life: The Lord of the Rings and Atlas Shrugged . One is a childish fantasy that often engenders a lifelong obsession with its unbelievable heroes, leading to an emotionally stunted, socially crippled adulthood, un...
by anonenigma
Sun Jan 19, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Constructive Criticism and Tough Love
Replies: 45
Views: 4445

Re: My wife's 403(b) doesn't seem too great.

Of course in reality, he's an employee of the company administering her plan, which is one of several vendors her employer offers. Probably not. He's likely an independent salesman who is "appointed" to several companies. The quarterly fee is not unusual - $15 per year for plan administra...
by anonenigma
Sat Jan 18, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: My wife's 403(b) doesn't seem too great.
Replies: 18
Views: 1443

Re: Do you Invest in a 457 and a 403, at the same time?

jwillis77373 wrote:
After 50, or in the same year you turn 50, with catch-up that's 17,500 per account or 35,000 and then 6,500 for your choice of IRA for a total of $41,500 per year.

Not quite. After age 50, it's 23,000 in 403(b) and 457(b) plus $6,500 in IRA - a total of $52,500.
by anonenigma
Sat Jan 11, 2014 1:05 am
 
Forum: Investing - Theory, News & General
Topic: Do you Invest in a 457 and a 403, at the same time?
Replies: 24
Views: 1723

Re: TIAA Traditional in IRA - PAYING just 1%

My 457(b) has a guarantee of 1% but currently pays 3.35%. That's why it was a surprise that the IRA delivers no more than the 1% it guarantees.
by anonenigma
Fri Jan 10, 2014 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional in IRA - PAYING just 1%
Replies: 15
Views: 1076

TIAA Traditional in IRA - PAYING just 1%

Several months ago TIAA-CREF announced that it would no longer guarantee a 3% minimum return on new IRA funds (rollovers and deposits) invested in the TIAA Traditional Annuity. The new guaranteed would be 1%. Apparently, 1% is not just the minimum. It's also what TIAA-CREF will pay on new money. My ...
by anonenigma
Fri Jan 10, 2014 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional in IRA - PAYING just 1%
Replies: 15
Views: 1076

Re: The Funniest Movie Ever

Tootsie Groundhog Day Splash Sullivan's Travels The Palm Beach Story Some Like It Hot You Can't Take It With You The Philadelphia Story Moulin Rouge (Luhrmann) Singin' In the Rain Ball of Fire My Favorite Year Modern Times The Gods Must Be Crazy Morgan! The Ruling Class Beverly Hills Cop Trading Pla...
by anonenigma
Sat Jan 04, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 14830

Re: What does a Bogle TV look like?

We just replaced a 32" tube tv (use a handtruck to get it downstairs!) with a 55" Samsung LED (model 6003) television. I decided not to get a smart tv - that the smarts could come via the bluray player (Sony 3100). I got the television at Costco when it came down $90 for Black Friday week ...
by anonenigma
Sat Jan 04, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 4385

Re: School District Not Allowing me To Invest

"'m looking at this in terms of the overall retirement provision for employees, and I'm seeing a minor frustration, not the catastrophe that everybody else seems to see. You're evidently not a school employee being ripped off by the 403(b) industry. You presumably do not understand the scope o...
by anonenigma
Fri Jan 03, 2014 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: School District Not Allowing me To Invest
Replies: 82
Views: 6927

Re: School District Not Allowing me To Invest

Suggest that your district look at other third party administrators (TPA) for the 403(b). I don't know what their pricing would be for a small district, but TSA Consulting Group is highly competent. As for paying the admin fee for its plan participants, I believe that TIAA-CREF will do that. Use htt...
by anonenigma
Fri Jan 03, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: School District Not Allowing me To Invest
Replies: 82
Views: 6927

Re: School District Not Allowing me To Invest

Ideally, your district will soon permit participation in the state's 457(b) plan and your district's 403(b) plan document permits transfers from the 403(b) to the 457(b) while you're still employed. New York has had a sad history with 403(b), with New York State United Teachers having received tidy ...
by anonenigma
Fri Jan 03, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: School District Not Allowing me To Invest
Replies: 82
Views: 6927

Re: School District Not Allowing me To Invest

You need to provide the names of the vendors.

To some degree, it depends on the state in which you reside. In California, the Insurance Code requires access for any willing vendor.

www.403bwise is a good place to look.

CalSTRS's www.403bcompare may also be helpful.
by anonenigma
Fri Jan 03, 2014 2:57 am
 
Forum: Investing - Help with Personal Investments
Topic: School District Not Allowing me To Invest
Replies: 82
Views: 6927

TIAA Direct

I received a letter yesterday that instructed me to call them if I did not want restrictions placed on my account or have it closed. The letter indicated that they needed to collect certain information from me under the Patriot Act. Does anyone know what this is about, as they were "experiencin...
by anonenigma
Tue Dec 10, 2013 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: TIAA Direct
Replies: 2
Views: 423

Re: Wireless Blu-Ray Players

Thanks for all the help. Amazon's price on the Sony 3100 (non 3D) just dropped from $85 to $55, so I went for it.

Will report on whether the wifi works well.

Thanks, again, and have a great Thanksgiving.
by anonenigma
Thu Nov 28, 2013 2:24 am
 
Forum: Personal Consumer Issues
Topic: Wireless Blu-Ray Players
Replies: 24
Views: 1480
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