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Re: Good Modern Science Fiction

Based on this thread I've now finished the following: Snow Crash (OK) Ready, Player One (Enjoyed it) Old Man's War (Really enjoyed it) I've also now read about 4-5 others from John Scalzi and have found those novels to be some really fun, easy reads. Time to go back through the thread for a second t...
by avmax8
Thu Nov 13, 2014 12:36 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 138
Views: 7116

Re: A 'really good book' you did NOT enjoy

Faulkner. The Sound and the Fury
by avmax8
Sun Sep 07, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 12184

Re: Nanny/Household Employee Payroll Company

Be aware that a whole bunch of nannies can't go through these services because they are not here legally. When we had nannies many years ago, that was the time when some woman nominated to be the US Attorney general turned out to be gaming the system. It would have been funny if it wasn't so sad. I...
by avmax8
Mon Jul 28, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nanny/Household Employee Payroll Company
Replies: 8
Views: 985

Re: Nanny/Household Employee Payroll Company

The Nanny Tax Company out of Chicago. We've used them for several years and they're much more affordable (~$500/year) than what you listed.
by avmax8
Mon Jul 28, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nanny/Household Employee Payroll Company
Replies: 8
Views: 985

Re: suggestion for awd luxury sedan

I wouldn't worry about the reliability of the Hyundai; there is a reason they have the best standard warranty of all the car manufacturers. Also, while the Subarus that you list are nice cars (I own a 2013 Outback Limited), I don't think they're in the same class as the rest of your list.
by avmax8
Sat Apr 12, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 44
Views: 4492

Re: New or Used Subaru Outback?

Thanks for the replies -- I've been thinking along the same lines. IMO, it doesn't make much sense how high many used car prices are. It seems like the market is inefficient. I had to make this determination a few months ago, and the used Outback made no sense for me. Looked around on craigslist, d...
by avmax8
Tue Feb 25, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: New or Used Subaru Outback?
Replies: 19
Views: 2145

Re: Bed sheets like they used to be?

We use the 600 thread count "Hotel" brand from Macys and have not been disappointed. They've worn well for us over the past 5 years. They make nice towels, as well.
by avmax8
Mon Dec 30, 2013 11:17 pm
 
Forum: Personal Consumer Issues
Topic: Bed sheets like they used to be?
Replies: 41
Views: 5010

Re: Obamacare -- is March 31st the real deadline?

Any company doing this horrible of a job would have gone out of business by now, deservedly so. In 12 weeks? With over a million new enrollees? And lines backed up to get in? When Apple has people lined up around the corner for an iPhone, that is considered an indication of a very popular product. ...
by avmax8
Wed Dec 25, 2013 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare -- is March 31st the real deadline?
Replies: 37
Views: 1965

Re: Health-Sharing Ministry as ACA Insurance Alternative

I am grateful for all the responses so far. One would have to have been living under a rock this past year or so to be unaware of the passionate (even vitriolic) discourse accompanying recent health insurance legislation, and we all have an opinion... An essential aspect to achieving the civil disc...
by avmax8
Sat Dec 14, 2013 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health-Sharing Ministry as ACA Insurance Alternative
Replies: 17
Views: 1390

Re: Nanny Share Considerations

We used The Nanny Tax Company https://www.nannytaxprep.com and it was worth every penny. Very responsive to our needs and were able to handle adjustments to pay mid-year plus supply all federal/state tax forms ready for final signatures.
by avmax8
Mon Dec 09, 2013 12:48 am
 
Forum: Personal Consumer Issues
Topic: Nanny Share Considerations
Replies: 21
Views: 1562

Re: Help Pick ObamaCare Plan?

I think that for most people the ACA is just a big nothing... For all the screaming and hollering you hear on the news, the ACA doesn't affect most people, it will provide healthcare for millions of low-income uninsured, and just a relative handful will be paying more. Jack, you're obviously biased...
by avmax8
Sat Nov 30, 2013 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Pick ObamaCare Plan?
Replies: 51
Views: 2631

Re: New job in DC - where to live

I would suggest looking in Southwest DC. This is relatively under-recognized location that has a lot to offer and is relatively affordable (easily within your budget) compared to locations in NW. The redevelopment of the Southwest Waterfront is ongoing and will offer a lot in the coming years. In th...
by avmax8
Sat Nov 23, 2013 5:39 pm
 
Forum: Personal Consumer Issues
Topic: New job in DC - where to live
Replies: 34
Views: 2593

Re: Security concerns with HealthCare.gov

Kennedy is former CSO of Diebold. Diebold voting machines have a very checkered history. I am not saying he's wrong, just that I don't think his creds are any good. In fact Avi Rubin, one of the other panelists was instrumental in outing Diebold. It's interesting that Rubin, who is probably the mos...
by avmax8
Wed Nov 20, 2013 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Security concerns with HealthCare.gov
Replies: 33
Views: 2199

Re: On-line nanny tax services - reviews/experiences?

We used The Nanny Tax Co from Chicago, IL and were very happy with them. I think the cost was about $400 per year and they prepared all forms which were then sent to us for signature and then we sent along to the relavent agencies. When we made pay adjustments, etc., it was a simple matter of callin...
by avmax8
Wed Jul 10, 2013 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: On-line nanny tax services - reviews/experiences?
Replies: 6
Views: 1146

Re: Seattle Local Chapter? The answer is "Yes"

I'm in Tacoma but would make the trip up for a meeting. Is there anything more about a meeting in mid-April?
by avmax8
Thu Mar 28, 2013 9:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Local Chapter? The answer is "Yes"
Replies: 60
Views: 17515

Re: Help with grandmothers portfolio

Wow! Bob's not my name , thanks so much for your response. You'd only mentioned the CD strategy for the IRA but I'm assuming that it would be applicable for some of the taxable assets, as well? I was going to advise my mother to sell a portion of the taxable assets to bring the equities portion down...
by avmax8
Wed Mar 27, 2013 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with grandmothers portfolio
Replies: 3
Views: 759

Help with grandmothers portfolio

I previously wrote a bit about my mother and her questions regarding my grandmothers financial portfolio, for which she (my mother) has POA. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=50920 I hope it is OK to start a new thread as a number of years have passed and I have some additional...
by avmax8
Tue Mar 26, 2013 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with grandmothers portfolio
Replies: 3
Views: 759

Re: Fired my Smartphone Carrier

Having seen at least one thread about the newest Smartphones, I can't but comment on the economics of modern cell phone use. In my area, the monthly cost of 4g-smartphone plans is about $120 for the carrier with best local coverage (Verizon). I had a smartphone but noticed I was using the internet ...
by avmax8
Sun Mar 17, 2013 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Fired my Smartphone Carrier
Replies: 39
Views: 5093

Re: Fraudulent Income Tax Refunds

Trudy,

Can't explain it although one electronic and one paper return would make it more tedious to compare. Could also be the sheer volume of returns. Perhaps they only select a percentage to review?
by avmax8
Mon Mar 11, 2013 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Income Tax Refunds
Replies: 20
Views: 1849

Re: Berskshire Hathaway and 3G buying Heinz

Dumb as I am, I was tempted and did buy Heinz in October, with no thought it would be bought out. I am close to retirement and have some dividend paying stocks in addition to broad index funds mostly with Vanguard. Now I will have to sell HNZ as a short term gain in my taxable account. :annoyed I h...
by avmax8
Fri Feb 15, 2013 7:38 am
 
Forum: Investing - Theory, News & General
Topic: Berskshire Hathaway and 3G buying Heinz
Replies: 49
Views: 3054

Re: Pre-K better returns than equities?

I live in the Washington DC area where the main local paper is the Post. Over the years I have been subjected to a lot of their polls, studies, and data gathering. In every instance I remember the way they construct the questions it makes the results worthless. It's almost like they want a poll res...
by avmax8
Fri Feb 15, 2013 7:32 am
 
Forum: Investing - Theory, News & General
Topic: Pre-K better returns than equities?
Replies: 10
Views: 1021

Re: Boglehead Newby In Need of Portfolio Help (Update)

First, let me thank everyone on the board for such a great resource. Bogleheads guidance has allowed me to sleep soundly at night and I’ve actually been able to direct a number of folks here so they can benefit from everyone’s knowledge. I thought I would post an update on our portfolio so that folk...
by avmax8
Thu Feb 14, 2013 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Newby In Need of Portfolio Help (Update)
Replies: 6
Views: 1141

Re: Berskshire Hathaway and 3G buying Heinz

I feel that even BRK itself is still an individual stock--not even a mutual fund--but if I really believed in the idea of profiting from Buffett's knowledge/insight/magic/luck, I'd do it by buying BRK and thus, buying whatever Buffett buys at the time Buffett is buying, and owning everything Berksh...
by avmax8
Thu Feb 14, 2013 5:15 pm
 
Forum: Investing - Theory, News & General
Topic: Berskshire Hathaway and 3G buying Heinz
Replies: 49
Views: 3054

Re: Cost of medical insurance for 50+

It is from the IRS, see link below http://www.irs.gov/PUP/newsroom/REG-148500-12%20FR.pdf Are you serious that this is your reference for the $20,000? All I could find were examples used to describe the tax treatments of various coverage scenarios. "Example 3. Family without minimum essential ...
by avmax8
Sat Feb 09, 2013 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of medical insurance for 50+
Replies: 36
Views: 4608

Re: Cost of medical insurance for 50+

You are assuming that the mechanics will be the same as Mass. I have not seen specifics to suggest that. Given that many States have elected not to set up exchanges and there was no funding passed for a National Exchange I think that this is a work in progress. I have seen written that a bottom lev...
by avmax8
Sat Feb 09, 2013 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of medical insurance for 50+
Replies: 36
Views: 4608

Re:

Is it possible to exchange Investor shares for Admiral shares when the funds are held at a discount brokerage? I paid a transaction fee when purchasing my investor shares. Will I have to pay a fee when i sell investor shares and again when i buy admiral shares or is there some type of redemption? A...
by avmax8
Sat Feb 09, 2013 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conversion from Investor Shares to Admiral Shares
Replies: 51
Views: 13946

Re: All-inclusive in Cancun

"What you don’t get from most reports in the US is statistical evidence that Americans are less likely to face violence on average in Mexico than at home, particularly when you zero in on Mexico’s most popular travel destinations. For example, the gateway to Disney World, Orlando, saw 7.5 murd...
by avmax8
Sun Jan 20, 2013 12:22 pm
 
Forum: Personal Consumer Issues
Topic: All-inclusive in Cancun
Replies: 33
Views: 4094

Re: Help with portfolio [Active Military]

You didn't mention what service you're in but when you're ready to shop for insurance take a look at Army/Air Force Mutual Aid Association or Navy Mutual Aid Association. Both likely have the lowest cost options available to you and your spouse as service member and dependent, respectfully.
by avmax8
Sat Jan 05, 2013 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio [Active Military]
Replies: 12
Views: 837

Re: Dinner Guest Issues

And I concur that the lamb with no mint sauce is a faux pas... This is not true and traces its roots to the days when mutton (a sheep older than 1 year) was served rather than lamb (a sheep 1 year or younger). Mutton was a much tougher meat with a very strong taste and mint jelly/sauce was served a...
by avmax8
Sun Dec 30, 2012 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Dinner Guest Issues
Replies: 149
Views: 12296

Re: Your cost of delivering a baby [insurance coverage]

See: http://www.mayoclinic.com/health/circumcision/MY01023 Did you read the article you quoted? AAP doesn't recommend routine male circumcision and says their might be benefits. Circumcision makes it simpler to wash the penis. Washing beneath the foreskin of an uncircumcised penis is generally easy...
by avmax8
Mon Dec 03, 2012 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your cost of delivering a baby [insurance coverage]
Replies: 60
Views: 3975

Re: Your cost of delivering a baby [insurance coverage]

Interesting about HMO holders being charged extra fee for circumcision (I understand PPO would). I find it reassuring that premium dollars are no longer being as widely used to perform elective cosmetic surgery on infants. Classifying circumcision as elective cosmetic surgery is debatable. Many con...
by avmax8
Mon Dec 03, 2012 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your cost of delivering a baby [insurance coverage]
Replies: 60
Views: 3975

Re: dealing with IRS identity theft

Just an update in case anyone is curious, and as I pass the six month anniversary since filing my taxes. No resolution yet. I am in the process of buying a home and this is causing great fun with the lender, because my 2011 IRS transcript does not match the 1040 I gave them. I did learn from the tr...
by avmax8
Sun Aug 26, 2012 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: dealing with IRS identity theft
Replies: 21
Views: 3403

Re: Advice about taxes-- part-time resident VA and CA

Stats,

We use a CA CPA for our federal and state taxes and need to often file part time state returns. Our returns cost approx. $200-300 annually. If you'd like to speak with our CPA just let me know and I'd be happy to pass along his info.
by avmax8
Tue Jul 17, 2012 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice about taxes-- part-time resident VA and CA
Replies: 13
Views: 685

Re: Best internet travel forum?

hsv_climber wrote:It depends...
If you are into luxury-type travel then http://www.flyertalk.com/
Otherwise, it would be something like http://www.summitpost.org/phpBB3/, etc.


+1 for flyertalk; have been using it for several years now and they have a wealth of info to share.
by avmax8
Thu Apr 26, 2012 3:41 pm
 
Forum: Personal Consumer Issues
Topic: Best internet travel forum?
Replies: 21
Views: 1814

Re: Buffett gains ground in hedge fund bet

abuss368 wrote:I understand "The Snowball" was not written by Mr. Buffett as I have a copy of the book. However, he allowed unprecedented access to write the book. I understand the reviews were very good. Has anyone read it?


I have. Really enjoyed it and found it actually pretty objective.
by avmax8
Thu Mar 22, 2012 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett gains ground in hedge fund bet
Replies: 26
Views: 3094

Re: Fraudulent Income Tax Refunds

This happened to me for 2009 and 2010 so I can relate. FYI, you don't have to have a postive balance with the IRS (ie: over-withhold) for this to occur. In my case, someone simply used my name and SSN and filed a return electronically with a 1040-EZ using one of the online avenues. The refund was el...
by avmax8
Thu Mar 22, 2012 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Income Tax Refunds
Replies: 20
Views: 1849

Re: Warren Buffet gets too much credit

However, in regards specifically to this bet, I do not see how Buffet's biases alter affect his opinion (which is well documented in academic studies) that over time, active management will lose out to passive investing due to fees. ....Buffet has a business to run, and a public portfolio to manage...
by avmax8
Wed Mar 21, 2012 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett gains ground in hedge fund bet
Replies: 26
Views: 3094

Re: Berkshire Annual Letter Out Saturday

I'm not knowledgeable enough to debate anyone on the merits or faults of Buffett. But I do believe that he is sincere. And I'll have to let it go at that. ML I could not agree more. Honestly, I'm surprised by the comments. This is the same guy who has said that most investors would be better off pu...
by avmax8
Thu Feb 23, 2012 11:26 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Annual Letter Out Saturday
Replies: 40
Views: 2895

Re: How to Die

Here is another relevant article, albeit a bit longer, from one of my favorite author/MD's regarding end of life care, etc. There is a bit more emphasis on the economics surrounding the issue but still a powerful piece of writing. http://www.newyorker.com/reporting/2010/08/02/100802fa_fact_gawande?c...
by avmax8
Sun Dec 11, 2011 3:31 am
 
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 84
Views: 10733

Beagler wrote:Already posted and under discussion.

viewtopic.php?t=83398


My bad. Moderators please feel free to close or merge if possible.
by avmax8
Sun Oct 02, 2011 8:50 am
 
Forum: Investing - Theory, News & General
Topic: Vanity Fair Article: California and Bust
Replies: 5
Views: 822

Vanity Fair Article: California and Bust

Just read this article in Vanity Fair regarding CA and its financial difficulties and thought some here might find it interesting.

http://www.vanityfair.com/business/features/2011/11/michael-lewis-201111.print
by avmax8
Sun Oct 02, 2011 3:52 am
 
Forum: Investing - Theory, News & General
Topic: Vanity Fair Article: California and Bust
Replies: 5
Views: 822

Here's some bullet points on my thoughts applicable to the situation of someone nearing retirement age: 1) ...because all the new "benefits" of the law are directed to poor people, it will be paid for through cost shifting to people with money. 2) Health care reform will be ruled unconsti...
by avmax8
Thu Sep 29, 2011 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: the health reform law and early retirement
Replies: 11
Views: 1060

As you mentioned, comparing apples to apples can be tricky so make sure that your bids are for the exact same systems including makes/models. I found it easier to decide on make and then contact specific contractors for bids. I would also ensure that the contractors technicians are certified by the ...
by avmax8
Thu Jun 09, 2011 4:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Central Air Replacement
Replies: 68
Views: 7680

I would agree with the Angies list recommendation. We've used it for multiple jobs and feel very comfortable that the bids we've received have been competitive and the contractors trustworthy.
by avmax8
Tue Jun 07, 2011 3:40 am
 
Forum: Personal Consumer Issues
Topic: How to identify a reputable home contractor
Replies: 18
Views: 1439

How about Thailand? There is tons to do with plenty of exploring and no Visa required (or it can be purchased in the airport; not entirely sure). Fantastic food, friendly people, and very affordable. Iceland is a lot of fun as well although 8-9 days may be a bit long. You could always spend a couple...
by avmax8
Fri Apr 15, 2011 8:17 am
 
Forum: Personal Consumer Issues
Topic: Lone Travel Destination Needed Fast!
Replies: 35
Views: 5381

Re: The Hoops to Hiring A Nanny Legally

Our service costs $400/year and has been worth every penny. Its no where close to 20% for us, more like 1%. The time that I've saved and agnst that I've avoided are more the worth the cost. I agree $400/year would absolutely be worth the cost. Please do tell! Dbr and others, I was including fica/ f...
by avmax8
Mon Apr 04, 2011 7:19 am
 
Forum: Personal Finance (Not Investing)
Topic: The Hoops to Hiring A Nanny Legally
Replies: 13
Views: 3922

Re: The Hoops to Hiring A Nanny Legally

There are services available to have a company hire and do all the paperwork, and you pay the company (but, I didn't want to pay the 20% surcharge). Anuj Our service costs $400/year and has been worth every penny. Its no where close to 20% for us, more like 1%. The time that I've saved and agnst th...
by avmax8
Sun Apr 03, 2011 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: The Hoops to Hiring A Nanny Legally
Replies: 13
Views: 3922

rai wrote:thanks for the suggestions.

A book I read last year which I thought was very good was called "The Prize: The Epic Quest for Oil, Money, & Power"


That is a fantastic one. I've heard that Yergin is updating the book to include the past 20 years.
by avmax8
Tue Mar 29, 2011 2:48 pm
 
Forum: Personal Consumer Issues
Topic: recommend non-fiction book (see post for details)
Replies: 20
Views: 1876

To me this answer to why he supported and thought tax cuts from borrowed money were a good idea in 2001 nail it in terms of credibility towards what he is saying now. ALAN GREENSPAN: Well, that's what you would think. The Office of Management and Budget, Congressional Budget Office, and mainly, in ...
by avmax8
Sat Sep 25, 2010 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Alan Greenspan's Dire Warning
Replies: 53
Views: 6113

Out of the brands that you quoted I think Trane is probably the best. Carrier is another excellent brand that you might want to consider. Whichever you choose, I would recommend a couple of things based on recent personal experience. 1. Pick a brand and then get quotes for the exact same system fro...
by avmax8
Wed Jul 28, 2010 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: HVAC brand advice
Replies: 22
Views: 2774
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