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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: 58
Views: 2786

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: 1373

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: 56
Views: 4184

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: 56
Views: 4184

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: 4611

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: 4611

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: 722

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: 1072

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: 2888

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: 2888

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: 722

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: 2888

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: 2888

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: 722

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: 3598

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: 3598

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: 722

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: 2206

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: 1033

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: 2206

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: 1333

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: 2668

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: 2087

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: 3947

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: 2668

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: 2668

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: 7477

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: 5051

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: 7477

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: 1261

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: 5072

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: 1225
Views: 229675

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: 1225
Views: 229675

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: 4547

Re: Wife tired of saving...

Townhome is 2000 sq feet. Its an end unit. Its a townhome, not a condo or a coachhome. And its a end unit with land, if that matters and with no one above us. As for the cars, there is no hers or my car. Whoever gets a contract/client that is further, that person takes the more economical car becau...
by dgdevil
Mon Mar 09, 2015 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19179

Re: Disposing of old greeting/holiday cards

Keep the cards. Why on earth would she want to look at pix on FB when she doesn't have a computer? I still have all my cards, going back to when I was born, though I did toss ones I received when I was about 5, 6, 7 to my eternal regret. You can probably make bigger inroads into her piles of stuff b...
by dgdevil
Sun Mar 08, 2015 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Disposing of old greeting/holiday cards
Replies: 21
Views: 1058

Re: Wife tired of saving...

As for why we dont have retirement accounts, I once was a firm believer in money now vs money later. What happened to the great suggestions and feedback from this thread? Solo 401k? IRAs? https://www.bogleheads.org/forum/viewtopic.php?f=1&t=137074&p=2024498#p2024498 What?! Are you implying ...
by dgdevil
Sat Mar 07, 2015 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19179

Re: Brazilian guy looking for some basic help

Does Brazil have a tax treaty with the USA that lowers the non-treaty tax from 30% of dividends and interest income to 15% or less? Not yet. It is a remarkably closed economy with no major economic pacts, apart from Mercosur, which has devolved into a leftist political lobbying bloc. Exposure to Br...
by dgdevil
Sat Mar 07, 2015 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brazilian guy looking for some basic help
Replies: 8
Views: 691

Re: Who's going to Disney this summer?

Well if the fine folks at Disney were that brilliant they would have opened up a dog kennel right next to where you board the ship and offered parents a discount to board their pets and children while sailing the high seas. Probably much cheaper for Disney to staff a kennel than a daycare. Am I wro...
by dgdevil
Fri Mar 06, 2015 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5072

Re: Does My Daughter Need A Prenup?

Boyfriend comes from an affluent-but-not-"rich" family and has multiple siblings. He probably will not be in the same inheritance situation. Wouldn't it be funny if the in-laws were LBYM Bogleheads with millions in the bank? Or if son-in-law leverages his lowly sales gig into the corner o...
by dgdevil
Fri Mar 06, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 5802

Re: Who's going to Disney this summer?

We're doing a 4-day Disney Cruise in June----due to my wife's insistence. Not cheap----but wife says it includes all day child care----so that's worth it's price in gold. So you're going on a cruise in which the kids are coming but they will be in daycare all day? Silly leap in logic. But this opti...
by dgdevil
Fri Mar 06, 2015 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5072

Re: Brazilian guy looking for some basic help

Are you in Brazil or USA? If Brazil, you basically have no Boglehead-style options, alas. I'm living in Brazil, why do you say I have no Boglehead-style options and what are those anyways? Boglehead-style options include a choice of mutual funds with low expense ratios (i.e. the fees that the finan...
by dgdevil
Thu Mar 05, 2015 11:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brazilian guy looking for some basic help
Replies: 8
Views: 691

Re: Brazilian guy looking for some basic help

Are you in Brazil or USA? If Brazil, you basically have no Boglehead-style options, alas.
by dgdevil
Thu Mar 05, 2015 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brazilian guy looking for some basic help
Replies: 8
Views: 691

Re: Who's going to Disney this summer?

DDMP20 wrote:Maybe I came off a bit harsh in my previous post.


Not at all. You were right to zero in on this very unusual comment: My husband insisted that Disney should be part of their memories.
by dgdevil
Thu Mar 05, 2015 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5072

Re: Why not to use etrade!

Did you look at Sharebuilder? They charge $6.99 per trade, or $5.99 if you are at Costco, IIRC. Not sure about your other criteria, though I am pretty sure they have real-time quotes. Customer service is friendly. I now use them more than eTrade.
by dgdevil
Thu Mar 05, 2015 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not to use etrade!
Replies: 10
Views: 1134

Re: Wife tired of saving...

Your wife contributes fantastically to this very high income that you guys have and commutes 80 miles per day in a car, while you work from home. For the love of peat, buy her a nice, safe car, and don't worry if it gets 10 miles less per gallon in efficiency, and then make it her* car. She's earni...
by dgdevil
Thu Mar 05, 2015 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19179

Re: Wife tired of saving...

Your wife contributes fantastically to this very high income that you guys have and commutes 80 miles per day in a car, while you work from home. For the love of peat, buy her a nice, safe car, and don't worry if it gets 10 miles less per gallon in efficiency, and then make it her* car. She's earni...
by dgdevil
Thu Mar 05, 2015 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19179

Re: Wife tired of saving...

The 2 young children will probably necessitate a residential upgrade one of these days anyway. The risk is that your wife will never be satisfied, especially if she keeps exchanging confidences with her Yenta sister, whose finances - I'm sure - are in pristine condition.
by dgdevil
Wed Mar 04, 2015 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19179

Re: LLC or Umbrella insurance?

Umbrella is dirt cheap. Just get it. But it does not cover professional liability. You would need separate cover for that, so contact your insurance broker. From what I read, LLC is overrated. If it was that effective, we'd all have it.
by dgdevil
Tue Mar 03, 2015 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: LLC or Umbrella insurance?
Replies: 8
Views: 586

Re: Paris France help/suggestions for women

I have traveled widely and here is what I do. I carry a days worth of cash, my camera, and sometimes a credit card in a cross body bag (PacSafe). I keep the cash and credit card in a zippered pocket in the bag and I safety pin the zipper pulls together. When I am on a bus/metro or in a crowded plac...
by dgdevil
Mon Mar 02, 2015 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Paris France help/suggestions for women
Replies: 22
Views: 1613
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