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Re: Good Wines

I paid $3,29 a bottle for red wine at Trader Joe's recently. Seemed just fine to me! :happy
by dm200
Fri Jan 30, 2015 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 37
Views: 1962

Re: Arguments for Saving/Investing vs Mortgage prepay

Well you're right but it's her life. :wink: You might want to show her the magic of compounding investments. Bankrate.com has some good calculators. I will say that when I was young I though the stock market was risky and probably would have pre-paid debt too. But back in dinosaur days (80s) mortga...
by dm200
Fri Jan 30, 2015 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguments for Saving/Investing vs Mortgage prepay
Replies: 4
Views: 424

Arguments for Saving/Investing vs Mortgage prepay

I am acquainted with a very responsible (financial and otherwise) young woman (in her 30's, single) recently purchased a condominium apartment and has a 30 year mortgage obtained through some sort of (don't know details) state first time buyer program at a decent and fair interest rate (can't recall...
by dm200
Fri Jan 30, 2015 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguments for Saving/Investing vs Mortgage prepay
Replies: 4
Views: 424

Re: Are expense ratio fees deductible?

FBN2014 wrote:Are expense ratio fees tax deductible on a 1040 or 1041?


There is nothing to deduct since you never received the expense ratio. The money for the "expense ratio" is deducted from the fund before you have any access to that money.
by dm200
Fri Jan 30, 2015 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are expense ratio fees deductible?
Replies: 3
Views: 355

Re: What is your BMI?

I have no health or medical training or credentials, so I rely on what I consider to be credible information from professionals in the fields - when backed by reliable citations and references. Some of these are: http://www.hsph.harvard.edu/obesity-prevention-source/obesity-definition/obesity-defini...
by dm200
Thu Jan 29, 2015 7:25 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 1893

Re: GNMA Fund?

It is my understanding that GNMA obligations are explicitly backed by the US Government - and cannot be removed (at least from existing issues). So, I conclude that the "credit risk" (essentially zero) is the same for GNMAs as for Treasuries. What exactly is the meaning of the word "...
by dm200
Thu Jan 29, 2015 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: GNMA Fund?
Replies: 14
Views: 825

Re: GNMA Fund?

One scenario is a removal of federal support making the word "agency" meaningless; this should make you shudder particularly if it coincides with a real estate crash and defaults. Another (more likely) is interest rate changes, not only on the "increase" side but even on the ext...
by dm200
Thu Jan 29, 2015 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: GNMA Fund?
Replies: 14
Views: 825

Re: switching Job- Health insurance etc...

Look for (and understand) when the new employer's plan will be effective for you - as well and exactly when the previous employer's plan for you will terminate. Sometimes, depending on the exact rules, just a one day difference in your start date can change almost a whole month of eligibility. I don...
by dm200
Thu Jan 29, 2015 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching Job- Health insurance etc...
Replies: 4
Views: 294

Re: US citizen vs green card

Could be deported if convicted of a crime This "risk" may be greater than many might realize. You might say, "I don't deal drugs or rob banks." The risks, I think, though are things like auto accidents (resulting in serious injury or death) where there might be actual or perceiv...
by dm200
Wed Jan 28, 2015 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: US citizen vs green card
Replies: 35
Views: 2883

Re: Drinking water

[b] 100% True Story [/b]: I spend time doing various sorts of things in a building where there are other various folks also doing various sorts of things. Some are employees of the organization (that owns the facility) and some are volunteers doing charitable work, outreach to various sorts of peop...
by dm200
Mon Jan 26, 2015 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 45
Views: 3019

Re: Drinking water

On principle - I drink only tap water. Period. As a taxpayer, I pay large amounts to ensure the tap water is safe to drink.
by dm200
Sun Jan 25, 2015 11:53 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 45
Views: 3019

Re: Fidelity Donor Advised Fund

The wording of the grant recommendation can be important. If the wording, for example, says or implies that this grant is in fulfillment of a contractual obligation - it will not be fulfilled. The Fido DAF has recommended ways of doing a "pledge" (as most capital campaigns want) so that it...
by dm200
Sun Jan 25, 2015 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Donor Advised Fund
Replies: 50
Views: 3410

Re: Charitable Giving Question

Thanks for all the quick and thoughtful responses. I can see a "foundation" being a good way to do this type of giving, but with a minimal contribution of $100,000 it's probably not worth it or even possible to set one up. I chose a minimal payout of 1% thinking that an amount so low allo...
by dm200
Wed Jan 21, 2015 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Charitable Giving Question
Replies: 10
Views: 542

Re: Cosign or write loan

I strongly advise against just cosigning the mortgage loan. Not only could you lose the $85,000 - BUT you could become entangled in a mess doen the road - and a mortgage loan is a long term entanglement. How you otherwise might assist/help depends on all the facts, circumstances and assumption of ri...
by dm200
Wed Jan 21, 2015 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cosign or write loan
Replies: 40
Views: 1480

Re: Charitable Giving Question

This is the kind of thing foundations (such as the Ford Foundation) do. Such foundations are required to distribute much more than the 1% you propose. Using a donor advised fund (DAF), such as Fidelity or Vanguard, you could almost certainly do the 1% indefinitesly. A DAF IS subject to the higher an...
by dm200
Wed Jan 21, 2015 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Charitable Giving Question
Replies: 10
Views: 542

Re: Medicare Newbie

It might be wise to establish care with certain providers (internist & obgyn, plus anyone else you might need) before you are on medicare. Depending on the medical practice, some will only except medicare patients who they already have a relationship with, but will not see new patients on medic...
by dm200
Tue Jan 20, 2015 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Newbie
Replies: 14
Views: 998

Re: urgent: how to identify top surgeons for a procedure

beware: "top hospital" and "top doctor" lists from popular magazines are, to a good degree, popularity contests. you can be a mediocre clinician, but conduct great research and head up a department in a big name hospital, and end up as a "top doc". i know several who a...
by dm200
Tue Jan 20, 2015 4:46 pm
 
Forum: Personal Consumer Issues
Topic: urgent: how to identify top surgeons for a procedure
Replies: 49
Views: 3996

Re: Medicare Newbie

There are many factors in this evaluation and decision. My choice (and I am and have been) very happy (Washington DC area) is Kaiser's Medicare Cost (much like Medicare Advantage) plan. You do not get a Medigap policy with a MA or MC plan. Some do or may) include prescription drugs. (Mine does). MA ...
by dm200
Mon Jan 19, 2015 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Newbie
Replies: 14
Views: 998

Re: urgent: how to identify top surgeons for a procedure

Consumer Checkbook is published in many areas of the country does periodic surveys (sometimes by patients and sometimes by other physicians) of physicians - by specialty.

https://www.checkbook.org/
by dm200
Mon Jan 19, 2015 10:44 pm
 
Forum: Personal Consumer Issues
Topic: urgent: how to identify top surgeons for a procedure
Replies: 49
Views: 3996

Re: Fidelity Donor Advised Fund

Sorry if I am going away from the main topic but this is related to DAF. I do understand the process and operation of DAF fund. What I would like to get clarity is the following: We are in the 15% tax bracket with single income, two dependents and such. Our yearly charity contributions are split be...
by dm200
Mon Jan 19, 2015 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Donor Advised Fund
Replies: 50
Views: 3410

Re: Medigap

Anyone have a recommendation for a person/group who would advise us on which medigap company and /or plan would best suit my wife and I. We live in dallas and I am retired and she will be retiring in April at the age of 66 at which time we will lose our company insurance plan. Thanks, Jb I also sug...
by dm200
Sat Jan 17, 2015 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap
Replies: 9
Views: 795

Re: Survey - Men Who Exercise At a Gym

This topic is slightly freaking out the germaphobe in me. I sit on the weight benches and use the mats at the gym and there's no way I'm letting those cooties grow and multiply by wearing them more than once (or hanging them in the closet, keeping them in/on the dresser, etc. They go straight into ...
by dm200
Sat Jan 17, 2015 11:41 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2633

Re: Survey - Men Who Exercise At a Gym

What about women who exercise at a Gym??? You think women don't sweat (er, "get dewey" :wink: ), or just don't bother with clean clothes? (Also, wouldn't these answers seem to make a difference depending upon gym visit frequency - daily/every weekday, vs. once per week?) RM 1. I posed the...
by dm200
Sat Jan 17, 2015 11:33 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2633

Survey - Men Who Exercise At a Gym

For men who regularly work out at a gym - how frequently do you wear clean exercise/workout clothes? [Assume that the exercise clothes are hung up after exercise session and NOT just stuffed sweaty/wet into a gym bag]
by dm200
Sat Jan 17, 2015 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2633

Re: [Purchasing a] shopping cart

Another possibility (depending on quantity of groceries, etc.) might be one of those folding boxes with handle and wheels that you can get at Stapes, Office Depot, etc. They have a top. so they can be used as a strong storage container (push down the handle).
by dm200
Sat Jan 17, 2015 12:50 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] shopping cart
Replies: 22
Views: 2329

Re: Fidelity Donor Advised Fund

Very easy if it's a well known charity, one already on their list. If not on their list already, it may take a few days or longer to process. Once I tried to donate to my local school, they sent a letter to the school to get some additional information and it got held up over a holiday so that one ...
by dm200
Sat Jan 17, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Donor Advised Fund
Replies: 50
Views: 3410

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

I have been deposed several times in patent matters. It is a simple matter to tell the truth as you know it. I didn't find it stressful at all. I can't imagine why the OP would need a personal lawyer absent buying, selling or stealing confidential information. Dale This may be true in many (perhaps...
by dm200
Sat Jan 17, 2015 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4540

Re: Instant coffee

I drink instant occasionally (for convenience and speed of having a cup). While I am not fussy about coffee (wet, has caffeine, warm or hot meets my requirements), instant coffee just does not taste very good - compared to brewed or perk coffee. What I find interesting (puzzling) is that it seems th...
by dm200
Fri Jan 16, 2015 10:50 am
 
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 3347

Re: Staying under FDIC limit with maturing brokered CDs

I spoke with Vanguard today - and asked this question.

They told me that as long as the settlement date is on or after the maturity date - you stay under the FDIC limit (in my scenario).
by dm200
Fri Jan 16, 2015 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Staying under FDIC limit with maturing brokered CDs
Replies: 6
Views: 678

Re: 3%, 10-year CD bought today

As you will note on the vanguard web site and statements, you see a "market value" for this CD and this changes just about every day. You will see a number above or below 100 that shows the estimated "market value" related to full value of 100. So, if that is 99.00 - that is 1% l...
by dm200
Thu Jan 15, 2015 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3392

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

The company that laid me off three years ago has initiated legal action against one of their competitors. I got a call from the company that laid me off saying that they would provide a lawyer if I wanted one, as they expected the sued company to try to get depositions from people on the patents. T...
by dm200
Thu Jan 15, 2015 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4540

Re: Should heat be left on?

Last night I turned my heat off and in the middle of the night, I heard something burst. It sounded like a gun shot but I'm pretty sure it was a pipe. Luckily my heat/water still works this morning. I live in an apartment building and only turn my heat on for brief periods when it is really cold. I...
by dm200
Tue Jan 13, 2015 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Should heat be left on?
Replies: 25
Views: 3350

Re: Disability Insurance

I do not (professionally or educationally) know the medical field, but (as far as I know) surgeons are licensed Medical Doctors, it sure seems to me that, after a year, if the "disability" was very narrowly related to doing surgery - practicing medicine might not be a reasonable profession...
by dm200
Tue Jan 13, 2015 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 23
Views: 1339

Re: Disability Insurance

The general idea is that during the first 12 months, it would pay (according to the terms of the policy) if the disability prevented you from doing your particular job/profession. Then, during the subsequent period, would pay if you were unable to do any job for which you were suited (perhaps the di...
by dm200
Tue Jan 13, 2015 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 23
Views: 1339

Re: Downside of putting condo in a trust

I know there are a lot of benefits to creating a living revocable trust and transferring assets. I'm thinking about transferring my condo deed to the trust, though I have some hesitations because I don't know much about this topic. What is the downside and what are the hidden costs and traps? For e...
by dm200
Tue Jan 13, 2015 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Downside of putting condo in a trust
Replies: 29
Views: 2839

Re: Bilingual households

Everything I read, from credible sources, indicates the overwhelming benefits of learning multiple languages at a very early age. In the US, of course, as well as most of the world, English competency is vital. I would NOT wait (at all) to come up with a "plan" and "system" for t...
by dm200
Tue Jan 13, 2015 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Bilingual households
Replies: 39
Views: 5120

Re: Staying under FDIC limit with maturing brokered CDs

Maybe that also might be a question that I could ask the FDIC about.
by dm200
Tue Jan 13, 2015 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Staying under FDIC limit with maturing brokered CDs
Replies: 6
Views: 678

Re: Staying under FDIC limit with maturing brokered CDs

i think you might be correct but would verify it with the fixed income desk. Actually if I recall correctly, the settement date was usually after the purchase date so it seems like there should be no issue with cash flow. If it actually is the same day, how do you know the credit will appear before...
by dm200
Mon Jan 12, 2015 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Staying under FDIC limit with maturing brokered CDs
Replies: 6
Views: 678

Staying under FDIC limit with maturing brokered CDs

Assuming all such holdings are in Vanguard Brokered CDs and you wish to stay under the $250,000 FDIC limit (and this is an organization account where there is no way of multiplying the $250,000 limit) - is there any reason or possibility that scheduling the purchase of a new issue CD on the same day...
by dm200
Mon Jan 12, 2015 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Staying under FDIC limit with maturing brokered CDs
Replies: 6
Views: 678

Re: Splitting Pre-expenses

lewis0580 wrote:All-
Thank you for the replies - I see some of you don't agree with our way of handling finances, and that is your right, I am happy to see how others handle finances within their marriage. To those who offered true advice to my question hanks!!!
Brian


Have you asked your wife what she thinks?
by dm200
Mon Jan 12, 2015 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Splitting Pre-expenses
Replies: 15
Views: 1126

Re: CD ladder question

If one is doing a '5 year CD ladder' is it best to do it at one institution? I'm assuming that that is easiest? Probably - BUT I would make sure to stay within the FDIC (for banks) or NCUA (for federally insured credit unions) limits - either by having no more than $250,000 OR multiplying the cover...
by dm200
Mon Jan 12, 2015 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: CD ladder question
Replies: 4
Views: 627

Re: Fidelity Donor Advised Fund

Another nice feature of Fidelity's DAF, which I was unaware of until I contributed to it, is that you can designate how your contributions are invested while they remain in the DAF. We, for example, made a large contribution last year because we had higher income last year. The tax deduction for th...
by dm200
Mon Jan 12, 2015 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Donor Advised Fund
Replies: 50
Views: 3410

Re: Fidelity Donor Advised Fund

Wonderful! My wife and I have one with a modest amount from appreciated stock/funds. You can make "grant" requests for as little as $50. Almost all of our grant requests go through very quickly. The only delay/problem we have ever had was one time a request I made had wording that implied ...
by dm200
Sun Jan 11, 2015 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Donor Advised Fund
Replies: 50
Views: 3410

Re: Issues with employer contributions to accounts

Have had some problems recently with delays after payroll deduction. Are there guidelines as to how long an employer is allowed to contribute to HSA and 401k accounts? What can be done about this issue? I can't cite the precise details, but I believe the employer may have about a month or so (depen...
by dm200
Sun Jan 11, 2015 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Issues with employer contributions to accounts
Replies: 6
Views: 764

Re: Vanguard cd question [Brokered CDs]

I'm now curious why they are offering a choice of 2.3% or 2.250% on those Goldman Sachs 5-year CD's. Why would anyone choose the lower rate? That "pattern" is very common, where the same issuing bank will have a higher rate offered and one or more lower rates. My assumption is that the is...
by dm200
Fri Jan 09, 2015 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard cd question [Brokered CDs]
Replies: 47
Views: 6319

Re: Joint emergency fund for a single person ?

In general, based on what you describe, I think you have a good idea. I am in this kind of business - so let me offer some considerations I would suggest. 1. I would NOT just add her as joint owner on lots of accounts or on your primary checking/transaction accounts. Since she has a POA, if necessar...
by dm200
Thu Jan 08, 2015 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Joint emergency fund for a single person ?
Replies: 16
Views: 1842

Re: Vanguard cd question [Brokered CDs]

I'm now curious why they are offering a choice of 2.3% or 2.250% on those Goldman Sachs 5-year CD's. Why would anyone choose the lower rate? That "pattern" is very common, where the same issuing bank will have a higher rate offered and one or more lower rates. My assumption is that the is...
by dm200
Thu Jan 08, 2015 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard cd question [Brokered CDs]
Replies: 47
Views: 6319

Re: Vanguard cd question [Brokered CDs]

If you login to your Vanguard account, more details appear. For example, call options don't appear until you login. I see a lot with call options. Vanguard's search tool doesn't include call options (I don't see where you can select this or not). For the survivor option, I see "Conditional put...
by dm200
Thu Jan 08, 2015 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard cd question [Brokered CDs]
Replies: 47
Views: 6319

Re: Misunderstanding around dimensions

Big chance for misunderstanding (or worse). Get it clarified very specifically. As I would interpret "100 feet (or foot) square" - I think of a square area of 100 ft on each side, or 10,000 square feet. Also, whether something "fits" is more than just square ft (or area). The dim...
by dm200
Mon Jan 05, 2015 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2025

Re: question regarding restrictive covenant in "at will" sta

It's quite possible there is a correlation between these doctrines. For example, the political forces which lead to right to work laws could easily be the same forces that lead to the enforceability of non-competes Could be.. On the other hand, viewed as "employer" rights, there may be si...
by dm200
Mon Jan 05, 2015 8:14 pm
 
Forum: Personal Consumer Issues
Topic: question regarding restrictive covenant in "at will" state
Replies: 16
Views: 1447
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