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Re: Foreign film night recommendations.

Anything Scandinavian is great. The best movie I saw last year was ¨We Are the Best!¨ about 3 Swedish teenage girls who want to be punk rockers. It's by Lukas Moodysson, who cannot make a bad film. There's a Danish one called Klown, which is quite hilariously inappropriate and non-PC. More serious i...
by dgdevil
Thu Feb 26, 2015 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 115
Views: 5648

Re: IRS Called and Asked for Personal Information

Did they sound like a Nigerian prince? I guess we can mock their brazennesss, but we all have our moments of fuzziness before our first cup of coffee. By the end of the day, they will have picked up some useful info.
by dgdevil
Thu Feb 26, 2015 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Called and Asked for Personal Information
Replies: 16
Views: 1462

Re: Help! Ive been put on a performance improvement plan!

By the way, OP, if you do get fired -- and you're kinda the underdog now, so I'm hoping you'll emerge with some redemption -- don't immediately sign any papers that the company gives you. You are within your rights to peruse at your leisure with legal guidance, if necessary. Employers count on shell...
by dgdevil
Thu Feb 26, 2015 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 61
Views: 6248

Re: Help! Ive been put on a performance improvement plan!

I'm sure you're a great guy, but you sound like a horrible boss. I'm glad the company is finally doing something about it. I wish mine had PIP'd the low-level managers who made my life a misery. If you're serious about retaining your job, go to to them on bended knees with a mea culpa-filled list of...
by dgdevil
Wed Feb 25, 2015 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 61
Views: 6248

Re: Buying a home in SF Bay Area

Can you transfer to a lower cost part of the country and maintain your $110k salary? OP moved to SF only last April, so presumably was aware of the sticker shock and would be disinclined to pack up again. Not sure how old OP is, but I understand his desire for solitude in the wake of a divorce and ...
by dgdevil
Tue Feb 24, 2015 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 3940

Re: Buy and Hold Forever Stocks

DIS (great, recently)

BHP (had been great, not so much now but good tax-free dividend yield)

FAST (oy vey!)

Some ETFs - XLY (consumer discretionary, DIS-heavy), XLB (materials), XLI (industrials), XTN (transport), XLV (health).
by dgdevil
Tue Feb 24, 2015 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 86
Views: 5338

Re: Who's going to Disney this summer?

beasy44 wrote:Please go in October if you can, best time I've ever gone and we've done it multiple times.. Weather is nice and lines are lowww!


Aren't more rides closed during off-peak periods?
by dgdevil
Tue Feb 24, 2015 11:48 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 31
Views: 1919

Re: Help! I can't afford to eat on my South Beach vacation

When one goes to Europe, Rick Steves always advises to have a picnic lunch. I'm not really interested in food - don't like cooking. I've found that one can usually find a small (well Europe) supermarket. Then I stack up on fruit, yoghurt, crackers, cheese and some wine? Or join me - I'll be in Miam...
by dgdevil
Mon Feb 23, 2015 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 59
Views: 4565

Re: Who's going to Disney this summer?

It is stupid to reduce the issue to "the haves and the have-nots." It's a simple case of a company looking at supply and demand, and fixing prices accordingly. Disney raises prices every year. No one is forcing you to go (except for wife and kids), nor is Disney a monopoly. I personally th...
by dgdevil
Mon Feb 23, 2015 10:56 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 31
Views: 1919

Re: Moving to Denmark--a few questions

Also, make sure your US credit card (again, preferably, with no foreign fees) has a PIN arranged, or it will be useless in Denmark. Unless something has changed in the last 2 years, this is incorrect. I had no issue using any of my regular credit cards while in Denmark. I was there last summer. The...
by dgdevil
Sat Feb 21, 2015 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving to Denmark--a few questions
Replies: 9
Views: 759

Re: Moving to Denmark--a few questions

Americans opening bank accounts overseas - generally not easy these days. Google FATCA in this forum. Probably best to open a US account (e.g. Schwab?) that allows for fee-free ATM withdrawals overseas. T&Cs may apply. Also, make sure your US credit card (again, preferably, with no foreign fees)...
by dgdevil
Sat Feb 21, 2015 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving to Denmark--a few questions
Replies: 9
Views: 759

Re: Read WSJ every day ?

sschullo wrote:Today, as with most Bogleheads, I ignore any and all print, TV and an internet financial media. It only reports news that is basically sensational, negative and have no control.


I don't think most Bogleheads like to be perceived as clueless ostriches.
by dgdevil
Sat Feb 21, 2015 9:20 am
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4938

Re: Read WSJ every day ?

Steven28 wrote:I also email links to my kids for various articles that they will appreciate


Those links probably won't work unless they are subscribers.

Add: Oops! I stand corrected.
by dgdevil
Sat Feb 21, 2015 6:05 am
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4938

No Apple in either of T. Rowe Price's technology funds

Either these guys are brilliantly perceptive, or just stupid. I noticed in T. Rowe Price's newly issued 2014 fund reports that both its Science & Technology fund and its Global Technology fund eliminated their Apple positions last year, missing out on some serious bucks to date. Anyone else in o...
by dgdevil
Fri Feb 20, 2015 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: No Apple in either of T. Rowe Price's technology funds
Replies: 2
Views: 392

Re: Music / Song Help

Speaking of Lou Reed, you could try the 8- minute "The Gift", recited by John Cale, on the VU's White Light, White Heat album.
by dgdevil
Thu Feb 19, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2212

Re: Music / Song Help

The Legend of John Henry's Hammer - Johnny Cash
Lily, Rosemary and the Jack of Hearts - Bob Dylan
Black Diamond Bay - Bob Dylan
by dgdevil
Thu Feb 19, 2015 8:09 am
 
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2212

Re: Read WSJ every day ?

You're seeing pink elephants if you think you can detect political bias in the WSJ news stories.
by dgdevil
Mon Feb 16, 2015 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4938

Re: Read WSJ every day ?

Economist is the best, followed by the FT. WSJ has slipped, but its opinion pages are a good antidote to the other leading papers. It currently has a Presidents Day special, $1 for 3 months on digital. Add $4 for physical.
by dgdevil
Mon Feb 16, 2015 11:35 am
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4938

Re: Not being notified of new posts

Me too.
by dgdevil
Tue Feb 10, 2015 9:23 pm
 
Forum: Forum Issues and Administration
Topic: Not being notified of new posts
Replies: 6
Views: 549

Re: can someone explain the reasoning behind SEPP?

SEPP is actually a gift from the government, if done correctly. As stated above, just split your IRA into SEPP and non-SEPP, and work out your annual requirement. I am greatly intrigued by the possibilities and hope to take advantage after I turn 50.
by dgdevil
Tue Feb 10, 2015 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: can someone explain the reasoning behind SEPP?
Replies: 10
Views: 982

Re: Moving to Thailand. Assets in USD

Martello Shores wrote:I thought you had to be a Thai citizen, or born there, to buy property in Thailand?


As of this 2009 article, it looked complicated but doable. Assume OP has some sort of familial link.

http://www.nytimes.com/2009/05/27/great ... d=all&_r=0
by dgdevil
Mon Feb 09, 2015 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving to Thailand. Assets in USD
Replies: 12
Views: 1478

Re: talk me out of it - investing in oil

I got sucked into some oil stock a few months ago with an absurdly high dividend yield, promptly lost half my investment - ok, just $500 in play money - before cutting my losses on Friday. There are plenty of other fun sectors where you can make money.
by dgdevil
Sun Feb 08, 2015 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: talk me out of it - investing in oil
Replies: 50
Views: 4698

Re: Janitor in Vermont leaves millions

cjking wrote:Why are we assuming he was a great investor? His 6 million could be the result of 65 years of compounding on an inheritance of $136,000.


Or he started off with $12 million and invested in Hollywood (jist of an old joke there).
by dgdevil
Thu Feb 05, 2015 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 47
Views: 2973

Re: Janitor in Vermont leaves millions

Abe wrote:
Most fast food places offer senior drinks, but you usually have to ask for it.


What happens in 2050 when 25% of the population comes in asking about senior discounts? Time to short the consumer discretionary sector?
by dgdevil
Thu Feb 05, 2015 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 47
Views: 2973

Re: Janitor in Vermont leaves millions

Mind you, if I was one of his buddies and had felt always obliged to pick up the check at the diner, I'd be feeling pretty annoyed right now. But, like me, he insisted on parking far away to save on the meter, so I feel I am on the right track. That is where we differ, I would pick up the check bec...
by dgdevil
Thu Feb 05, 2015 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 47
Views: 2973

Re: Janitor in Vermont leaves millions

Mind you, if I was one of his buddies and had felt always obliged to pick up the check at the diner, I'd be feeling pretty annoyed right now.

But, like me, he insisted on parking far away to save on the meter, so I feel I am on the right track.
by dgdevil
Thu Feb 05, 2015 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 47
Views: 2973

Re: Janitor in Vermont leaves millions

If it turns out that he actually picked stocks, and didn't pile into index funds, I guess this forum will have to self-destruct.
by dgdevil
Thu Feb 05, 2015 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 47
Views: 2973

Re: Vacation in Europe in Sept : transfer funds now ?

Your bank charges no fees for transfers between your accounts in different countries? That's pretty good. A lot of international banks, HSBC in my case, treat each country's operations as separate - and so I got killed on ATM charges and lousy exchange rates. But I digress. Everyone's talking about ...
by dgdevil
Wed Feb 04, 2015 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation in Europe in Sept : transfer funds now ?
Replies: 4
Views: 593

Re: Accidentally forgot a credit card for three months HELP!

From a medical perspective why would anyone trust someone with their life if that person doesn't even pay their bills on time? That person is not showing good decision making skills and we know decision making skills are not limited to one area, one could reasonably expect that person not to make g...
by dgdevil
Wed Feb 04, 2015 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Accidentally forgot a credit card for three months HELP!
Replies: 40
Views: 3973

Re: POLL: Do you personally own a cell phone?

No cell phone: no one would call me anyway. Yes, on landline, though that is pretty silent too.
by dgdevil
Mon Feb 02, 2015 3:01 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 92
Views: 6144

Re: Accidentally forgot a credit card for three months HELP!

Buy tons of stuff on this rarely used credit card, pay it all off immediately to show them what a great person you are. After a few months of this, call them to remind them what a great person you are - and, btw, could they please fix your credit report.
by dgdevil
Sat Jan 31, 2015 3:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Accidentally forgot a credit card for three months HELP!
Replies: 40
Views: 3973

Re: Anyone know when CD rates will increase?

Kevin M wrote:Kevin


Great read, thank you!
by dgdevil
Wed Jan 28, 2015 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone know when CD rates will increase?
Replies: 70
Views: 5343

Re: Anyone know when CD rates will increase?

It's a valid question, and the silly responses were inevitable. I have some Raise Your Rate CDs at Ally, and the one time I exercised the option I was too early by a few days and missed out on a few extra shekels. So when I look at my account now (on the horrible new web site), and see that I can ra...
by dgdevil
Wed Jan 28, 2015 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone know when CD rates will increase?
Replies: 70
Views: 5343

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: 89
Views: 5737

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: 89
Views: 5737

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: 89
Views: 7810

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: 7767

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: 4788

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: 2053

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: 2053

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: 4574

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: 2287

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: 58
Views: 5712

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: 6347

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: 1140

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: 1796

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: 3239

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: 4767

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: 2280

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: 1796
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