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Re: What "actively" manged funds do you own?

T. Rowe Price Health Sciences Fund : PRHSX Janus Enterprise Fund Class T : JAENX and I have these in my taxable account :( Just had a big distributions from these funds. I am not sure how to get out of these and move to index funds in a tax efficient way. Life could be worse. The reinvestment price...
by dgdevil
Sat Dec 20, 2014 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 31
Views: 1116

Re: What "actively" managed funds do you own?

PRHSX - T. Rowe Price Health Sciences - about 20% of actively managed retirement portfolio with TRP.
by dgdevil
Sat Dec 20, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 31
Views: 1116

Re: Asset protection in Nevada

I spoke to a Las Vegas attorney about this a while back. His fee is $7,500, and then an annual trustee fee of $1,500 to $2,000. I can give you his info, if you PM me. He seemed like a decent chap, but I did not proceed since a Nevada DAPT might not work with out-of-state real estate - an issue that ...
by dgdevil
Fri Dec 19, 2014 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Asset protection in Nevada
Replies: 16
Views: 1597

Re: Vinyl (as in old records)

What do you have? And what quality? Unless it is classic rock, you probably won't get much. The millennials can't get enough of Floyd and Zeppelin on vinyl, and are driving prices sky-high. If all you have is Don Ho, Jerry Vale and Sergio Mendes, you might as well toss them. See the Seinfeld ¨Old Ma...
by dgdevil
Fri Dec 19, 2014 12:07 am
 
Forum: Personal Consumer Issues
Topic: Vinyl (as in old records)
Replies: 10
Views: 911

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

Same-day Alcatraz sales. Feel like getting up at 4 am? http://www.tripadvisor.com/ShowTopic-g60713-i30-k6810222-Same_day_Alcatraz_tickets_our_experience-San_Francisco_California.html I would do it! Alcatraz is far and away the most exciting thing to do in San Francisco. Good luck, and dress extra wa...
by dgdevil
Thu Dec 18, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 9
Views: 526

Re: What do you splurge on?

* Legos (constructing buildings is a good stress reliever for me). Funny you should mention Lego. I have been considering reactivating my childhood passion, adding Lego to my splurge list. I just spent hours at my parents' house reconstructing my 70s-era kits, with the help of online sites, for the...
by dgdevil
Thu Dec 18, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 234
Views: 20643

Re: Do you travel with friends in retirement?

Hmmm, the best way to lose friends is to go on a vacation with them. Did that once many years ago with someone we thought were good friends. We found out differently. Never again. +1. I had a bad break-up with my best friend since high school days. It was 1990, in Prague, we still haven't talked, a...
by dgdevil
Wed Dec 17, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Do you travel with friends?
Replies: 41
Views: 3108

Re: Should I buy house with a crack?

Thank you for the replies. I think we will look for another home. This home has a great view and is in an excellent location, but I also "am chicken" as Calm Man mentioned above. So best not to spend my life worrying all the time about the foundation. Thanks! It's a very risk-averse crowd...
by dgdevil
Tue Dec 16, 2014 12:56 am
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3203

Re: Should I buy house with a crack?

Thank you for the replies. I think we will look for another home. This home has a great view and is in an excellent location, but I also "am chicken" as Calm Man mentioned above. So best not to spend my life worrying all the time about the foundation. Thanks! It's a very risk-averse crowd...
by dgdevil
Tue Dec 16, 2014 12:39 am
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3203

Re: What do you splurge on?

Foreign travel - albeit in the budget sector, not the Four Seasons sector. It is a (potentially reckless) splurge because I have no job, no income, but unlimited free time, and I know too many people who did not travel when they were younger and now it is too late because of various health and finan...
by dgdevil
Mon Dec 15, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 234
Views: 20643

Re: Should I buy house with a crack?

You haven't seen the home inspection report yet? Why not? You paid for it (not that they're that useful anyway). Don't take the Realtor's word on anything - they're not really your friend. Structural and geological reports are what you need. Ask the neighbors if they have similar issues.
by dgdevil
Mon Dec 15, 2014 2:31 am
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3203

Re: Should I buy house with a crack?

Get it checked, but cracks come with the territory here in CA. Hairline one along the ceiling here, and 1 or 2 bigger ones elsewhere. At least your vendor didn't try to cover it up, like the successive owners of the house next door do with some errant stucco.
by dgdevil
Mon Dec 15, 2014 12:44 am
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3203

Re: How to teach young kids to be frugal?

Leemiller wrote: For Christmas she is getting a little cash register


Cool! I got one as well, as I had requested despite not being able to say "register" properly. I think I lost interest fairly quickly, though.
by dgdevil
Sun Dec 14, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4163

Re: You folks think the big one is coming?

McDonald's has structural issues - chiefly poor domestic operations. As a fan of their offerings, I am totally vexed by their menu every time I go there. It also has heavy foreign exposure and is an f/x play. Good long-term and nice dividend yield (3.8%), but maybe wait for concrete signs of recover...
by dgdevil
Fri Dec 12, 2014 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5696

Re: Different Experience With TSA Pre-Check

Stand back and watch the boarding of your next flight. Then wait and board after most of the others have boarded, no difference. It makes a huge difference if all the overhead locker space is taken and you have to check your wheelie. Fortunately I carry only a small bag that fits under the seat in ...
by dgdevil
Fri Dec 12, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 2809

Re: You folks think the big one is coming?

Sell your Russian and Venezuelan shares! Also emerging markets, and dial back on foreign exposure amid the international slowdown. Go short on Australia. U.S. is a safe haven, Japan too even with the election. Low oil prices are generally good for us, but the markets don't like volatility and rapid ...
by dgdevil
Fri Dec 12, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5696

Re: Is the collapse of oil price a "black swan"?

The reason oil prices are low is because the Saudis/Qataris are exerting pressure on Russia/Iran for their support of the Syrian regime. That happened in early eighties and early two thousands, for that same reason. They have the ability to produce oil at $15 a barrel when it costs most others abou...
by dgdevil
Fri Dec 12, 2014 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: Is the collapse of oil price a "black swan"?
Replies: 87
Views: 7644

Re: Different Experience With TSA Pre-Check

I believe they let over-70s (or thereabouts) through TSA Pre, which accounts for a lot of the delays.
by dgdevil
Fri Dec 12, 2014 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 2809

Re: How to teach young kids to be frugal?

This behavior may have had some benefit and value when you were younger and in a different circumstance. It does not sound like it is all that helpful to you at this point in your life. I'm not saying to get stupid in your spending, but hasn't the time come to enjoy the fruits of your efforts? If n...
by dgdevil
Fri Dec 12, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4163

Re: Totally Stressed. Husband lost job.

In my experience, I am not aware of any situations where a 20-year union member was fired for a single customer complaint, unless there was serious misconduct or other aggravating circumstances involved. True. There is usually a well-defined escalation process - verbal warning, a couple of written ...
by dgdevil
Thu Dec 11, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 28
Views: 6354

Re: Totally Stressed. Husband lost job.

I have been through union-related arbitration, and it can take a long time. Like you say, the company is in no rush to settle the matter. It also depends on the arbitrator's schedule, as well as the schedules of the attorneys for both sides. It is important that you keep in constant contact with the...
by dgdevil
Thu Dec 11, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 28
Views: 6354

Re: Different Experience With TSA Pre-Check

Have been through the TSA Pre-Check line many times in the past year or so, but this was a first for me. The entry point I chose at DFW last night didn't have a separate line for TSA Pre-Check. So the procedure was a little different since I started out going through the regular line, but the TSA s...
by dgdevil
Thu Dec 11, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 2809

Re: IRS Investigator viewed my LinkedIn profile?

I don't know how much spare time you have, but the idea of setting up a fake Linkedin account as an IRS Special Agent and then clicking on various friends' and enemies' accounts just to screw with their heads (especially over Xmas) sounds really, really appealing.
by dgdevil
Wed Dec 10, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Investigator viewed my LinkedIn profile?
Replies: 14
Views: 3440

Re: Why don't YOU follow Buffett's advice?

I followed his lead - asked CEOs for preferred stock in their companies and other preferential treatment. They never got back to me. Maybe I need to get a mistress and throw money at Hillary Clinton. Well, there's always Tesco.
by dgdevil
Wed Dec 10, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 8100

Re: Quintessential Australia/New Zealand Things To Do/Visit

Nothing to do in Auckland. NZ highly overrated, IMHO. Both countries ridiculously expensive, FACT.
by dgdevil
Tue Dec 09, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Quintessential Australia/New Zealand Things To Do/Visit
Replies: 17
Views: 1320

Re: Who Paid for the wedding?

Eloped a few weeks after first date, about 10 years ago. Big cost was marriage licence, celebrant, then a few rounds of drinks with a handful of friends. My parents, informed after the event, later reimbursed us for the few nights we spent in a hotel on a quasi-honeymoon. Wife does not like jewelry,...
by dgdevil
Sun Dec 07, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6498

Re: Zion National Park

Mitt Romney + wife + grandkids hiked 50 miles in the area this past summer. Pretty inspirational blog post:

https://medium.com/@MittRomney/a-family ... 8c5d60c0e3
by dgdevil
Sat Dec 06, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Zion National Park
Replies: 16
Views: 1180

Re: Who Paid for the wedding?

denovo wrote: ... he thinks the bride's family wants a particularly extravagant wedding.


Has friendo raised the issue with his fiancée? Guesswork and assumptions not particularly useful at this stage.
by dgdevil
Sat Dec 06, 2014 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6498

Re: Am I being cheap?

People on this site express their desires for nice cars, watches and other things that you might not care about. Yeah, but we don't expect wifey to ignore financial commonsense and buy these for us. Is it so impossible to fathom that this lady actually wants a diamond engagement ring? Then she can ...
by dgdevil
Sat Dec 06, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8799

Re: Am I being cheap?

Louis Winthorpe III wrote:
livesoft wrote:If she wants a ring, make her go buy it for herself.


Bizarre.


Minus one.
by dgdevil
Sat Dec 06, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8799

Re: Am I being cheap?

randomthrowaway wrote: She is caught up in what all her friends are doing


These friends will keep dogging you throughout the marriage. If it's not wedding rings, it will be cars, homes, holidays, and every other form of consumer spending. Best to put your foot down now.
by dgdevil
Sat Dec 06, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8799

Re: Teeth whitening

Yes, get custom trays and tiny dabs of Opalescence whitener (as seen on Amazon) on the teeth that are exposed when you smile. Follow instructions, which will likely include warning not to keep the trays in your mouth for more than 30 minutes. Gums will likely be super-sensitive. You will see results...
by dgdevil
Wed Dec 03, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 12
Views: 2203

Re: Which degree makes more sense for a late starter

Cybersecurity? In the news every day. Maybe Sony Pictures is hiring.

To echo, Saladdin, HR? You're a better person than that. You don't want to turn 50 and look back on a professional life essentially wasted.
by dgdevil
Wed Dec 03, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Which degree makes more sense for a late starter
Replies: 54
Views: 3982

Re: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fi

Go back to the intersection. Maybe there is a mechanical issue with the phasing, so that amber barely exists before it turns red. Unlikely, but you never know. Maybe it's a favorite trap for this very reason. Definitely fight The Man, every time.
by dgdevil
Wed Dec 03, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1369

Re: tipping rubbish pickup people and letter carriers

Most Americans are barely breaking even. You can't tip everyone.
by dgdevil
Wed Dec 03, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 3681

Re: tipping rubbish pickup people and letter carriers

placeholder wrote:
Faith2014 wrote:I always tip my newspaper delivery person since it's a very low paying job.

Are you sure?


Newspaper delivery guy probably has more job security than the journalists at the paper. Maybe tip them instead, preferably in liquid form.
by dgdevil
Tue Dec 02, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 3681

Re: Being woken up by neighbors above me

Thin ice, @bfwolf, thin ice. Maybe the noise also travels in the other direction and you don't know it. Well, you will know it after he gives you an earful during your elevator conversation.
by dgdevil
Wed Nov 26, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 6305

Re: How Not to Retire

Yep, thanks for linking this very inciteful article that is making the rounds of the web nowadays. This guy has a talent for writing, so why isn't he working and writing more, and getting paid to do so? I will guess it's because he makes enough money to support his lifestyle. Sure, that is not the ...
by dgdevil
Mon Nov 17, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 8016

Re: Advise Needed: Unique Situation At workplace

HR is not your friend.
by dgdevil
Sun Nov 16, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Unique Situation At workplace
Replies: 28
Views: 3967

Re: Who is mailing Holiday Cards this year?

@denovo. Ahh, great minds. We could sell the concept to Jimmy Kimmel.
by dgdevil
Sun Nov 16, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3643

Re: Who is mailing Holiday Cards this year?

You send a parody response - family photo dressed up as homeless or prisoners, and brags like "Johnny got a good-behavior release from jail and is adjusting well on parole" and "Jane got knocked up, we hope to determine paternity after it is delivered" and "My stocks all tan...
by dgdevil
Sun Nov 16, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3643

Re: Who is mailing Holiday Cards this year?

I used to send lots of cards, but never got any in return. So no more.

Despite being an atheist, I do like to say ¨Merry Christmas¨ to people, store clerks, etc. What the hell, right? They seem shocked to hear that word. Secularization is out of control.
by dgdevil
Sat Nov 15, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3643

Re: 36 y.o. New at investing, am I in too much debt?

medinme wrote: It's really easy to spend $20K+ on a wedding if you want all the bells and whistles. Especially if you have friends that are photographers


No one is cheaper than I, but time after time I hear that this is the one aspect of the wedding where you should pay a professional.
by dgdevil
Fri Nov 14, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: 36 y.o. New at investing, am I in too much debt?
Replies: 63
Views: 6030

Re: 36 y.o. New at investing, am I in too much debt?

I can have the credit cards paid off pretty quick (less than 3 months) Well, it may not be all doom and gloom if you can do this. I was skating on thin ice for a year or two after I bought my house. As for taking out a loan to cover wedding expenses, I would drop that idea. Actually, I would drop t...
by dgdevil
Thu Nov 13, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 36 y.o. New at investing, am I in too much debt?
Replies: 63
Views: 6030

Re: Bogleheads, tell me about your 40's?

It's all about health - mental and physical - as the young men's invincibility cloak begins to lose its strength. Fun things in your 20s and 30s, like (occasional) eating and drinking to excess, start to have consequences. As stated above, vision might slip and aches + pains might mount -- though th...
by dgdevil
Thu Nov 13, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 17298

Re: Uber Car and the real cost of driving

The NYT discussed Uber's impact on Los Angeles drivers in an article last week. Seems a lot of New Yorkers in LA, who don't have cars, are loving Uber. How Uber is changing night life in Los Angeles : http://www.nytimes.com/2014/11/02/fashion/how-uber-is-changing-night-life-in-los-angeles.html?_r=0 ...
by dgdevil
Thu Nov 13, 2014 1:48 am
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2973

Re: Donating Your Body to Medical School, etc.

The "Stiff" author has written a ton of fascinating books in a similar vein. If you're fascinated by bowel movements, she's your lady. Think I'll stick with organ donation only. I'm not THAT charitably minded.
by dgdevil
Sun Nov 02, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Donating Your Body to Medical School, etc.
Replies: 44
Views: 4783

Re: Australia and New Zealand

I like the contrast between first-class flying and staying in hostels. Yes, Australia and NZ will be grim in June/July - but not in a Northern hemisphere way. No need to pack your fur coats. Anyway, not much you can do about it. Tahiti/Bora Bora for 5 days? Well, admittedly, I've never been. But thi...
by dgdevil
Thu Oct 30, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 47
Views: 4319

Re: WSJ discount?

Wait until Thanksgiving Friday. You may get another chance to start all over again.
by dgdevil
Wed Oct 29, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: WSJ discount?
Replies: 13
Views: 1239

Re: Buying Salmon Online

Friends don't let friends buy farmed fish. Here is a place right here in my hometown. http://www.northwest-seafood.com/ I also thought this was the case, but was surprised to see salmon farms proliferating in New Zealand - admittedly a drive from Alaska - and this is considered the freshest, health...
by dgdevil
Tue Oct 28, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 20
Views: 1772
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