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Re: Beach vacation in So Cal

hmw wrote:Thanks for all your suggestions. The consensus seemed to be the beaches north of SD. I think my 4-year old will like the Legoland.

Thanks!


OP, Travelzoo has a Legoland deal that will save you $15 total (yeah, not much, I know). AAA also has a 10% deal, but I did not work out the exact details.
by dgdevil
Sat Apr 11, 2015 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Beach vacation in So Cal
Replies: 52
Views: 4252

Re: question about penalty for lack of health insurance

Ignore. You don't have to pay the penalty. The government cannot come after you in any way, liens, interest, late-fees, etc.

ADD: At any rate, I believe the maximum penalty for 2014 is $72. Not sure where you get $2400. Maybe run the numbers on TaxAct just to double-check.
by dgdevil
Sat Apr 11, 2015 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about penalty for lack of health insurance
Replies: 7
Views: 892

Re: Should I renege [on a] job offer?

At your age, always go for the higher pay. That's the best advice I can give you. Work those hours now, and then you won't have to work them in a few years. Nah, it's a trap. He'll get lifestyle creep - understandable, and expected at that age - and will then need to keep feeding the beast. Go with...
by dgdevil
Thu Apr 09, 2015 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I renege [on a] job offer?
Replies: 45
Views: 3230

Re: Best US city to spend Xmas

Living in SF? Easy. Plenty of nonstop red-eyes to Sydney. Get there about 8 am. Hit the beach (e.g. Bondi) for a BBQ with all your soon-to-be Aussie mates. Happy boxing day!
by dgdevil
Thu Apr 09, 2015 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2322

Re: Can I really afford to retire in California?

Although California is more expensive than Nevada or Florida, I think we can afford to live there ... Welcome (back) to California. You know the lay of the land, so no shocks. We need all the upright, taxpaying citizens we can get. Yes, life is too short to go chasing supposedly tax-friendly regime...
by dgdevil
Thu Apr 09, 2015 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I really afford to retire in California?
Replies: 34
Views: 2734

Re: When to give adult children their inheritance?

There are much harder jobs that "cubicle drudgery" and what if the parents amassed their savings by working as such for "The Man"? They work hard and save hard so the kids don't necessarially have to? That makes no sense to me. Every job has its drudgery, though cubicles - and w...
by dgdevil
Tue Apr 07, 2015 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 6463

Re: Beach vacation in So Cal

Santa Monica has restaurants of all price ranges. But, for those interested, it has some world class restaurants. World class? You mean the King's Head? That's worldly. At any rate, every city claims to have world-class restaurants, whatever that means. I should note that the closest In-N-Out to Sa...
by dgdevil
Tue Apr 07, 2015 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Beach vacation in So Cal
Replies: 52
Views: 4252

Re: When to give adult children their inheritance?

But if you're still living, it would be a horrible idea to give them a ton of money before they establish themselves. They will never have the pride of making it on their own... Why would you take that from them? Don't know about "a ton of money." But a nice cash infusion might give them ...
by dgdevil
Tue Apr 07, 2015 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 6463

Re: Beach vacation in So Cal

I am not willing to turn this into a long-drawn out debate, but I find it mind-boggling that anyone would think San Diego Beaches are anywhere close to Santa Monica/Venice. Certainly San Diego beaches are ok if you can't afford to be in Santa Monica, but for anyone to say S.D. is better makes me th...
by dgdevil
Mon Apr 06, 2015 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Beach vacation in So Cal
Replies: 52
Views: 4252

Re: Obtaining Swiss visa in the US

What happens if you do not have a transit visa but have a visa to the final destination? Will you be sent back to the originating country of flight? Or be allowed to proceed? Consult the transit country's official Immigration website. You *may* be OK if you are not going through immigration and you...
by dgdevil
Mon Apr 06, 2015 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining Swiss visa in the US
Replies: 16
Views: 1313

Re: The train from Oslo to Copenhagen? Copenhagen ideas?

With only three days to kill, don't waste time and money on the train. Norwegian Air gets you there in an hour for about $140 return. Quite frankly, though, Stockholm is far superior to Copenhagen (about $120 on Norwegian). Cheaper, prettier, and the people stand on the right side of escalators. Cop...
by dgdevil
Mon Apr 06, 2015 7:08 pm
 
Forum: Personal Consumer Issues
Topic: The train from Oslo to Copenhagen? Copenhagen ideas?
Replies: 25
Views: 1532

Re: When to give adult children their inheritance?

My parents have only just begun getting their inheritances, in their 70s. And they are too old to enjoy it by traveling, etc. I do not know the sums involved, probably decent. They are hard-working and successful, but I think they might have appreciated some help in their 40s when it came time to pa...
by dgdevil
Mon Apr 06, 2015 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 6463

Re: Help/advice with Europe trip (France+/-Greece)

Paris to Santorini nonstop is doable at about $262 return on Transavia, out of Orly. Easyjet has flights to Greek islands, but they may be seasonal. Maybe save Greece for another today, combine with Turkey or somewhere else in the area. I personally find Paris to be the most over-rated city on the p...
by dgdevil
Sun Apr 05, 2015 11:46 pm
 
Forum: Personal Consumer Issues
Topic: Help/advice with Europe trip (France+/-Greece)
Replies: 22
Views: 1367

Re: Beach vacation in So Cal

hmw wrote:Thanks for all your suggestions. The consensus seemed to be the beaches north of SD. I think my 4-year old will like the Legoland.

Thanks!


Good move. Just don't slip to him that Disneyland is up the road.
by dgdevil
Sun Apr 05, 2015 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Beach vacation in So Cal
Replies: 52
Views: 4252

Re: Gift Ideas for 80 Yr Old Grandmother w/ Dementia

Just show up with a cake and a smile. No one cares about birthdays and birthday gifts after, well, 30 for men and 60 for women.
by dgdevil
Sat Mar 28, 2015 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Gift Ideas for 80 Yr Old Grandmother w/ Dementia
Replies: 23
Views: 1604

Re: I'm a single 38 yo female needing financial advice

$1,500 per month for rent and utilities in New York sounds amazing, especially if you can keep this deal for the long-term. I don't know if you are living in a broom closet, though. Moving to a lower cost of living area would not necessarily produce additional benefits, especially if OP's job and sk...
by dgdevil
Sat Mar 28, 2015 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a single 38 yo female needing financial advice
Replies: 18
Views: 3130

Re: Boglehead Concert Goers?

Clark & Addison wrote:That being said, I did just recently buy tickets to see George Jones next month as this is his final tour and the date he is in town happens to fall on my birthday.


Damn! Cutting it close! Hope you made it to the show.
by dgdevil
Fri Mar 27, 2015 9:03 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Concert Goers?
Replies: 64
Views: 3517

Re: Biotechnology to buy and hold or not

IBB is down about 10% since last week. Profit-taking ahead of tax time? A wee breather? Or an omen? Anyway, very sage advice, @Valuethinker.
by dgdevil
Wed Mar 25, 2015 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Biotechnology to buy and hold or not
Replies: 15
Views: 1488

Re: Vanguard HealthCare Fund

island wrote:
Yikes, 100K!! I didn't realize that. Why so high, tying to control size or typical of some sector funds? Will have to investigate. :greedy


Yikes, Squared!! A hundred grand and underperforming the sector. Guess this boosts defibrillator sales.
by dgdevil
Tue Mar 24, 2015 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6161

Re: Vanguard HealthCare Fund

"Someone's making a bunch of money on all this!" Genius! A lot of hospital time for me too - though in a good way - and I totally agree with you. Best of luck. Do you all hold it in your tax deferred or ROTH? Is it tax effecient and suitable for a taxable account? According to Lipper, the...
by dgdevil
Tue Mar 24, 2015 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6161

Re: Help w/ adult child hard-wired for poor financial decisi

(just the two of them) Oops, sorry. I inferred multiple siblings based on usage of the superlative. Well, that blows my brilliant theory away. She seems to be running away from something; hopefully she'll come around. At least she hasn't joined a cult or a commune yet. Any chance that drugs are inv...
by dgdevil
Tue Mar 24, 2015 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help w/ adult child hard-wired for poor financial decisions?
Replies: 45
Views: 4716

Re: Help w/ adult child hard-wired for poor financial decisi

Is she rebelling against her older siblings, rather than you? If they're successful, and she is only "reasonably" intelligent, she may be throwing in the towel after years of living in their shadow. Of course, I am totally guessing. And I don't understand extreme pet people anyway. I assum...
by dgdevil
Tue Mar 24, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help w/ adult child hard-wired for poor financial decisions?
Replies: 45
Views: 4716

Re: TRP Health Sciences up only 0.19% today

The truth hurts. Thanks, @investor_coffee. PRHSX is T. Rowe Price's worst domestic stock performer for a second day in a row, thanks to a 5% drop in XBI.
by dgdevil
Mon Mar 23, 2015 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: TRP Health Sciences up only 0.19% today
Replies: 8
Views: 750

Re: Driving from NYC to Seattle, Must See places?

I'm planning a similar trip as part of my plan to see 50 states before turning 50, and am quite excited about the South Dakota/Nebraska/Montana portion - which others have highlighted above. If you look at the lower of the 2 routes suggested by Google maps, note that you can make a quick detour to n...
by dgdevil
Sat Mar 21, 2015 10:41 am
 
Forum: Personal Consumer Issues
Topic: Driving from NYC to Seattle, Must See places?
Replies: 12
Views: 1124

Re: Doctor's office requires credit card on file

[Question on moderator action removed by admin LadyGeek. It was resolved by PM instead.]
by dgdevil
Sat Mar 21, 2015 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 3007

Re: Doctor's office requires credit card on file

Based on all the doctor bashing on this board and in this thread, I can see I am making the right choice retiring at 49 years old. ... I am so glad I am quitting in one week. Sorry to read this. Most of the comments on this thread are outrageous. Got paranoia? My ER doc sister just retired, aged 44...
by dgdevil
Sat Mar 21, 2015 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 3007

Re: TRP Health Sciences up only 0.19% today

By prelisted, you mean firms like Twitter whose closely held stock was held by the likes of Price's New Horizons fund? Not sure how significant that category is in Health Sciences, but I will call my adviser over there on Monday for what I'm sure will be an enlightening conversation.
by dgdevil
Sat Mar 21, 2015 1:09 am
 
Forum: Investing - Help with Personal Investments
Topic: TRP Health Sciences up only 0.19% today
Replies: 8
Views: 750

Re: Doctor's office requires credit card on file

ezpz wrote: I would have to monitor my account to be sure there are no unexpected charges.


What unexpected charges are you expecting?
by dgdevil
Fri Mar 20, 2015 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 3007

Re: Doctor's office requires credit card on file

There are plenty of great doctors out there. Not necessarily. If this one comes highly recommended and checks all the other boxes, just do it. How often do you cancel appointments anyway? These people spend way too much time fussing around with billing. If their policy means they can devote more ti...
by dgdevil
Fri Mar 20, 2015 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 3007

Re: TRP Health Sciences up only 0.19% today

No indication of a distribution, though there is a record date next week for quarterly dividends.

Yes, I pay too much attention. Agreed. But I never look when the market is down! My question is rooted not so much in emotion but the mechanics.
by dgdevil
Fri Mar 20, 2015 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: TRP Health Sciences up only 0.19% today
Replies: 8
Views: 750

Re: Hearse as daily driver?

billern wrote:Tom Waits used to drive a hearse. I don't think I could pull it off.


Neil Young came to America in a hearse, a 1948 Buick Roadmaster. He called it Mort. The car caught the attention of a chap named Stephen Stills, and history was made.
by dgdevil
Fri Mar 20, 2015 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3882

Re: Hearse as daily driver?

I would love to buy a hearse! Yes, go for it. I was in the market about 20 years ago until it dawned on me that parking spaces might be a tight fit at best. So I bought a coffin instead to use as a coffee table. Girls don't really care what sort of car you drive as long as it's clean. Maybe you coul...
by dgdevil
Fri Mar 20, 2015 6:55 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3882

TRP Health Sciences up only 0.19% today

I shouldn't complain. T. Rowe Price Health Sciences (PRHSX) is up 17% YTD, helping my IRA account rise 9% YTD. But today it was the worst performer among TRP's domestic funds, rising just 0.19% in a strong market. By contrast VHT was up 0.5% and XLV up 0.44%. I thought the 10% leap in Biogen would h...
by dgdevil
Fri Mar 20, 2015 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: TRP Health Sciences up only 0.19% today
Replies: 8
Views: 750

Re: Does an AirBnB guesthouse make sense?

My wife and I are considering AirBnB for the future as a way to rent close to our daughter rather than purchasing/leasing a small place. Are there certain parts of the country that are better for this system? Or are they better in small vs large cities? Thanks! Good idea; best to go to airbnb.com a...
by dgdevil
Wed Mar 18, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Does an AirBnB guesthouse make sense?
Replies: 19
Views: 2287

Re: Our new voice land line keeps getting FAX calls.

Yes, junk faxes most likely. Very annoying and pretty much untraceable. When I first acquired my landline number, I kept getting faxes intended for the actress Gina Gershon (# off by one digit). They were quite interesting.

PS there was a whole Seinfeld sub-plot about this problem.
by dgdevil
Tue Mar 17, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Our new voice land line keeps getting FAX calls.
Replies: 11
Views: 1077

Re: Does an AirBnB guesthouse make sense?

I swear someone asked a similar question about 2 days ago. Responses raised issues about zoning, insurance, etc. In your case, if the children come to stay, why not put them up in someone else's AirBnB (assuming you move to a city where it has not been outlawed)? Save you a ton of hassle and capital...
by dgdevil
Mon Mar 16, 2015 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does an AirBnB guesthouse make sense?
Replies: 19
Views: 2287

Re: Retiring to California. Keep 401k money pre-tax?

California is one of the worst states in terms of legal protection for IRAs. While 401k plans are federally protected from civil lawsuits, protection for IRAs depends on the state, and California provides very little. I would keep it in the 401k as insurance against lawsuits. Very good point. Rollo...
by dgdevil
Mon Mar 16, 2015 12:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring to California. Keep 401k money pre-tax?
Replies: 21
Views: 1354

Re: Blues (music)

I am pleasantly surprised to find a full-length Howlin' Wolf documentary on Youtube: https://www.youtube.com/watch?v=Sfa723wnc08 Last time I saw it, it was on Netflix. You will learn how Wolf would have been a Boglehead - and Muddy Waters wouldn't have been. It was directed by Don McGlynn, who also ...
by dgdevil
Sat Mar 14, 2015 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 45
Views: 2863

Re: Is PA a good state for retirees?

I found this article the other day (even though I'm decades from retiring, I still like to think about it). http://www.kiplinger.com/tool/retirement/T055-S001-state-by-state-guide-to-taxes-on-retirees/index.php?map=14#anchor But I don't know that picking a state solely on the taxation should be the...
by dgdevil
Fri Mar 13, 2015 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is PA a good state for retirees?
Replies: 23
Views: 2168

Re: Another take on Vanguard questionnaire: NYTimes

If Mr. Schwartz does indeed read this I'd be curious to know what his dad does for work at 88 years old. Cheers to him. Someone asked who my father works for: he is self employed, as a lobbyist in Austin, Texas. He has fewer clients than he used to, but he's still sharp and working the current sess...
by dgdevil
Thu Mar 12, 2015 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another take on Vanguard questionnaire: NYTimes
Replies: 42
Views: 4067

Re: Blues (music)

R.L. Burnside! For sure. After him, there's no going back. I have six of his albums, played the bawdy A Ass Pocket of Whiskey to death, and saw him once or twice. I even drove around the Mississippi hill country trying to find his juke-joint. This was pre-Internet, and I learned later it had burned ...
by dgdevil
Thu Mar 12, 2015 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 45
Views: 2863

Re: Blues (music)

A young Jeff Healey and Stevie Ray Vaughan tearing up Look at Little Sister: https://www.youtube.com/watch?v=2HmLFyvFxTc It's gratifying that you mention Jeff Healey, a great performer and real old soul who is at risk of being forgotten. I'm looking at the 1990 Q Magazine review for Hell to Pay , w...
by dgdevil
Thu Mar 12, 2015 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 45
Views: 2863

Re: Where to retire in New England?

ivyhedge wrote: Our condo "appreciation" has been literally obscene


Ooh, now I'm intrigued.
by dgdevil
Thu Mar 12, 2015 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 7813

Re: Bonus received. But its not what was agreed upon. Advi

Buy him a $30 bottle of wine, and say, "Y'know what? You're right. Thank you."
by dgdevil
Wed Mar 11, 2015 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 5268

Re: Where to retire in New England?

I'm not sure the New England is viewed as tax-friendly to seniors, is it? And if you do move there, there is a 20-year moratorium before you can complain about the weather. Delaware might offer better tax breaks (though it is scarily close to Baltimore, @agent13x). Or, just keep driving and spend 18...
by dgdevil
Wed Mar 11, 2015 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 7813

Re: Financial Hard Times - accessing 401k money smartly. Hel

What about the non-breadwinner. Any reason why he can't step up? Best to cut expenses to the bone before raiding the retirement kitty. (And you know it will be drained eventually). Zero cable, zero Internet, zero subscriptions, zero donations, zero gift-giving, zero dining out. Go to foodbanks, enro...
by dgdevil
Wed Mar 11, 2015 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Hard Times - accessing 401k money smartly. Help!
Replies: 9
Views: 1296

Re: Who's going to Disney this summer?

Hate to be the bearer of bad news, but Pirates of the Caribbean will be closed at WDW from May 11 to Sept. 25. Staycation with the kids, and watch Johnny Depp in Edward Scissorhands or Keith Richards in Gimme Shelter . http://www.orlandosentinel.com/travel/attractions/the-daily-disney/os-disney-to-c...
by dgdevil
Tue Mar 10, 2015 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5312

Re: U.S. stocks in freefall

VictoriaF wrote:
dgdevil wrote:Emerging markets? That's brave.


Is Russia still considered an Emerging market, or it has joined the Scourging market?

Victoria


Submerging. (Russia + Bra7il)
by dgdevil
Tue Mar 10, 2015 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1251
Views: 236671

Re: U.S. stocks in freefall

Emerging markets? That's brave. In a few months, when we're looking for an event to symbolize the end of the bull market, it will be either the launch of the Apple watch, or the Nasdaq (briefly) breaking 5000, or that WSJ article about fund clients angry that they can't get guaranteed 20% annual ret...
by dgdevil
Tue Mar 10, 2015 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1251
Views: 236671

Re: Fly or drive?

Please drive. I hate babies, toddlers on planes.
by dgdevil
Mon Mar 09, 2015 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 4981
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