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Re: Time to stop driving for 85 yo MIL

Medical privacy is a bit of a myth. Doctors are required to report all sorts of things - positive HIV tests, and other diseases; sexual abuse; suicidal tendencies. Killer seniors could be another, probably depending on the state.
by dgdevil
Mon Jan 26, 2015 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3469

Re: Time to stop driving for 85 yo MIL

You have to have a plan that doesn't seem punitive. Yes, we are taking away your keys (metaphorically, maybe), but don't worry because a) we will drive you everywhere whenever you want; b) we will give you a smartphone and set up an Uber account; c) you can move in with us; d) etc., etc.
by dgdevil
Sun Jan 25, 2015 10:58 am
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3469

Re: Rental Car Prices - is this the new normal ?

Search for coupons on retailmenot.com. They can make a big difference, especially for Budget. Obviously, try to avod airport lcations and collision-damage waiver fees.
by dgdevil
Sun Jan 25, 2015 10:08 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 52
Views: 3336

Re: Gotta Be a Bear Market Coming

If you time the market, and you are right, then you are in a better position than buying any holding. On the other hand, if you are wrong.. not so good. So, you will know in retrospect as the future unfolds. Not so good, yes, but it's certainly not the end of the world if OP starts to reduce equiti...
by dgdevil
Sat Jan 24, 2015 3:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7588

Re: Reporter doing story on pitfalls of doing one's own taxe

dcnut wrote: By the way, I have been audited only twice, and no errors were found.

Glenn


Were you actually audited? Or do you mean that the IRS got in touch seeking more info? A full audit, twice, seems particularly unlucky, albeit over many decades.
by dgdevil
Sat Jan 24, 2015 2:27 am
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on pitfalls of doing one's own taxes
Replies: 40
Views: 4646

Re: 7 nights- Scotland or Ireland?

Sheepdog wrote:We didn't get to Northern Ireland though.


Don't forget Belfast. Pretty intense stuff, walking up the Protestant road, down the Catholic one, each with souvenir stores. Soldiers, barbed wire everywhere.
by dgdevil
Tue Jan 20, 2015 1:34 pm
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 1985

Re: 7 nights- Scotland or Ireland?

Ireland. They're friendlier. And their economy needs your help. You can also clear US customs at 1 or 2 Irish airports.
by dgdevil
Mon Jan 19, 2015 11:42 am
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 1985

Re: Getting deposed -- do I need to hire my own lawyer?

And besides, they laid me off. :annoyed I wouldn't lift a finger to help the employer who laid me off, so you're more saintly than I am. They have some chutzpah coming to you for help. Hopefully you get some political capital out of this, or actual capital. At a minimum: first-class airfares/hotel,...
by dgdevil
Fri Jan 16, 2015 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4490

Re: Swiss franc jumps as SNB abandons ceiling versus euro

Isn't the real story the futility of central banks trying to distort market forces? What are the implications for central banks (the Fed and the ECB) and quantitative easing, remembering that enforced low interest rates helped create the subprime bubble?
by dgdevil
Thu Jan 15, 2015 11:54 pm
 
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2268

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

Don't walk away, especially if you like the house otherwise. Just consider this the price of an education, and be prepared to write some big checks. As stated above, every house has its flaws. The roof is pretty much ground zero for many home ailments; once it's fixed, you'll be fine. Mold has also ...
by dgdevil
Wed Jan 14, 2015 10:31 am
 
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 42
Views: 3591

Re: Dazed, Confused and Upset

macheta wrote:I wonder why they don't have more regulation around this type of business.


1) You can't regulate consumer greed/gullibility;

2) We're already snowed under with paperwork. The truth is in there, somewhere.
by dgdevil
Tue Jan 13, 2015 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6276

Re: Why do you like to travel and AA question?

You sleep in the car -- with your 3 young children, too? Interesting.
by dgdevil
Mon Jan 12, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: Why do you like to travel and AA question?
Replies: 16
Views: 1130

Re: Slovenia And Croatia In May

If you care about frequent-flier rewards, there is a decent chance that the Lufthansa flights will be in a fare class that will not earn anything for your United account. It's becoming a minefield, especially after March 1 when reward miles on United will be determined by the $$ you spent, not the d...
by dgdevil
Fri Jan 09, 2015 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Slovenia And Croatia In May
Replies: 25
Views: 1783

Re: Older Brother is a New MD

$50k seems large for an emergency fund, in this case. How about an aggressive fund in a Roth IRA to take advantage of his brief eligibility window?
by dgdevil
Fri Jan 09, 2015 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Older Brother is a New MD
Replies: 24
Views: 3225

Re: Wall Street Journal Subscriptions on Ebay question

LifeIsGood wrote:This has probably been reported before but Frequent Flyer points can be used for WSJ subscriptions. Delta requires 3,200 miles for a 304 day subscription. Other FF programs offer the same terms.
https://www2.magsformiles.com/
Disclaimer: I have not used Magsformiles


Magsformiles is kosher.
by dgdevil
Fri Jan 09, 2015 9:11 am
 
Forum: Personal Consumer Issues
Topic: Wall Street Journal Subscriptions on Ebay question
Replies: 22
Views: 4623

Re: SoCal City Recommendations Young Family

chaz wrote:Look at San Bernardino.


Haha! Mind you, the local meth industry may tie in well with his job in pharmaceuticals.
by dgdevil
Thu Jan 08, 2015 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: SoCal City Recommendations Young Family
Replies: 29
Views: 2240

Re: Slovenia And Croatia In May

Good idea. Do the coast next time - Dubrovnik, Montenegro, Albania, etc.
by dgdevil
Wed Jan 07, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Slovenia And Croatia In May
Replies: 25
Views: 1783

Re: Slovenia And Croatia In May

Too late to replace Zagreb with Sarajevo? Then you can go down the coast to Dubrovnik for day or two, then inland to Sarajevo for day or two via quick pitstop in Mostar. I did it on the bus. Very easy.
by dgdevil
Wed Jan 07, 2015 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Slovenia And Croatia In May
Replies: 25
Views: 1783

Re: Buying Disney stock - ABC vs ESPN org chart

I hope this bizarre quest did not prevent you from buying Disney when it was around 80 a few weeks ago.
by dgdevil
Tue Jan 06, 2015 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1863

Re: Vanguard's best fund: Healthcare?

Electron wrote:One surprise is that T. Rowe Price Health Sciences (PRHSX) has outperformed Vanguard Healthcare over all Morningstar periods from 1 year to 15 years.


No surprise! Why are you surprised?
by dgdevil
Tue Jan 06, 2015 4:35 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 7018

Re: House paid off - Transfer to Trust?

It's 2015. There's no such thing as privacy. Transferring a house to a trust is not a bad idea, but should be done only as part of your overall estate planning, and with a specialized attorney.
by dgdevil
Mon Jan 05, 2015 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: House paid off - Transfer to Trust?
Replies: 6
Views: 1326

Re: VHT - What could cause the price to drop?

Go back to early 2014. Healthcare took a hit when Gilead's seemingly costly Hepatitis C drug raised some congressional eyebrows. (All looked a bit staged to me). Things seemed wobbly for a bit. So I guess some form of government intervention, nationalization would be a serious downer. But this is al...
by dgdevil
Sun Jan 04, 2015 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: VHT - What could cause the price to drop?
Replies: 9
Views: 955

Re: Purchasing foreign currency for vacations (present/futur

If you want to pursue this, then ignore the banks and look at sites like Travelex and usforex.com. Very convenient, low-cost and the latter (at least) allows you to lock in rates. If you really want to go all out on the f/x side, why not lock in hotel rooms on booking.com, which has no cancellation ...
by dgdevil
Sun Jan 04, 2015 7:24 am
 
Forum: Personal Consumer Issues
Topic: Purchasing foreign currency for vacations (present/future)
Replies: 21
Views: 1778

Re: Vanguard's best fund: Healthcare?

So what would be a preferred healthcare ETF or fund in taxable if you are wary of turnover, capital gains, etc?
by dgdevil
Sat Jan 03, 2015 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 7018

Re: Airlines: Could 2015 be another great year?

Lousy for customers, esp. frequent-flyers as rewards programs continue to be devalued, i.e. United post-March 1. Great for investors. I am buying XTN as a hedge.
by dgdevil
Thu Jan 01, 2015 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Airlines: Could 2015 be another great year?
Replies: 16
Views: 2474

Re: What are you up YTD?

+15.8% for the year in my rollover IRA at TRP. I am about 90% stocks, with health sciences (PRHSX) my biggest holding among a half-dozen funds. Got some VG in taxable - pretty blah.
by dgdevil
Thu Jan 01, 2015 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30062

Re: Best albums from 2014?

L.C. Cooke - The Complete SAR Recordings. You don't know him, but you know his older brother, Sam. This record (cheap on Amazon) was recorded 50 years ago, but released for the first time in 2014. A great classic-soul time capsule.
by dgdevil
Wed Dec 31, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 61
Views: 5235

Re: Another silly anti index article

I subscribe to James Stack's newsletter, and saw his anti-index item about 2 weeks ago - and agreed with him, of course. He's a pretty conservative guy overall, about 80% invested and giving the bull market "the benefit of the doubt." You'd be unwise to bet against him.
by dgdevil
Tue Dec 30, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Another silly anti-index article
Replies: 42
Views: 4081

Re: Faking your way through sports small talk

Empathies with OP. I can't stand what passes for sport in USA. But I did have a long chat once with someone about the Dodgers, about whom I know absolutely nothing. My secret? I asked lots of generic, open-ended questions. Sports fans love to be seen as experts, and it takes little provocation for t...
by dgdevil
Mon Dec 29, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Faking your way through sports small talk
Replies: 34
Views: 1851

Re: Parent liability for young adult child

Yes, umbrella is useless in this situation. Talk to your insurance agent. They deal with these issues all the time. Anyway, hat's off to your son - great stuff!
by dgdevil
Sat Dec 27, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Parent liability for young adult child
Replies: 31
Views: 3029

Re: Preparing for a big move (US to Europe)

Never give up. There's always a way. And you're only young once.
by dgdevil
Thu Dec 25, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Preparing for a big move (US to Europe)
Replies: 26
Views: 2967

Re: Preparing for a big move (US to Europe)

My son was born in Italy....he is a US citizen by birth...has an Italian birth certificate...he can't get a visa here once we move back..its more complicated than that...and you still have to pay USA taxes...and Italian taxes stink. Italy is "jus sanguinis" - which sucks in his case, but ...
by dgdevil
Wed Dec 24, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for a big move (US to Europe)
Replies: 26
Views: 2967

Re: Who should pay for this meal?

OP may prefer an adult-oriented dinner; also gives her kids quality time with grandparents.
by dgdevil
Mon Dec 22, 2014 1:06 am
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 7917

Re: What do you splurge on?

That is crazy! Thanks for the tip. ¨Clean and sanitized¨ is a relief. I will have to get in on this.
by dgdevil
Sun Dec 21, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24382

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

That is an interesting thread, thanks. Well, PRWCX is the most conservative equity fun at TRP, so I guess risk is relative. I have about 20% of my rollover IRA in PRWCX. It's not sexy, but it's not completely boring either. I can sleep at night. I would not call PRWCX an equity fund since it is onl...
by dgdevil
Sun Dec 21, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 4796

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

T. Rowe Price Capital Appreciation - PRWCX An excellent choice in the low-risk domain. Fund is now closed, so don't accidentally sell all your holdings. Interesting, because there is some posts in this thread suggesting it is definitely riskier than Wellington. http://www.bogleheads.org/forum/viewt...
by dgdevil
Sun Dec 21, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 4796

Re: Who should pay for this meal?

Start with an offer to split the tab 50/50, which still benefits them. Knowing this in advance, you could order the expensive items (though do it after they have ordered and handed back the menus). No one forced them to live in San Francisco. Respectfully disagree with Laura: I think it is important...
by dgdevil
Sun Dec 21, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 7917

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

stevewolfe wrote:T. Rowe Price Capital Appreciation - PRWCX


An excellent choice in the low-risk domain. Fund is now closed, so don't accidentally sell all your holdings.
by dgdevil
Sun Dec 21, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 4796

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: 82
Views: 4796

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: 82
Views: 4796

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: 19
Views: 2415

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: 955

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: 12
Views: 955

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: 237
Views: 24382

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: 53
Views: 5324

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: 3265

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: 3265

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: 237
Views: 24382

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: 3265

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: 3265
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