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Re: College & PhD vs $250k working

grad students usually get full tuition/health benefits as well as a stipend from the lab in which they are doing their phd work. monies could be from a fellowship or a research grant from nih, nsf, Dod.... i pay my phd students about 30K per year which may not seem like much but if your son's buddie...
by greenspam
Wed Jun 04, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7461

Re: Golfers vs Investors

golfers slice; investors slice-n-dice. golfers draw; investors withdraw. golfers chip; investors buy blue-chips. golfers putt; investors putter with their portfolio... ...enough silliness. an analogy i see is: using the driver off the tee on a very tight fairway and hitting into the woods... high ri...
by greenspam
Thu May 08, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Golfers vs Investors
Replies: 18
Views: 1707

Re: Redrawn flood zone map puts portion of property in FZ

Exact same thing happened to me, in fact, if the line were drawn with a finer pen, none of my property would have been in the FZ. Now I do have to pay flood insurance. I have heard you can appeal/hire a surveyor but I haven't gotten around to it yet. When Sandy hit (which they say is a thousand year...
by greenspam
Sun Mar 30, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Redrawn flood zone map puts portion of property in FZ
Replies: 24
Views: 3960

Re: How much should we put in our 2013 Roths?

with regards to accessing cash, you can always remove roth contributions without tax or penalty, and, the earnings could also be removed penalty free -- if used for 1st time home purchase. but im confused as to how roth contribution would change your tax refund ??? roth money is already taxed unlike...
by greenspam
Wed Mar 26, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much should we put in our 2013 Roths?
Replies: 15
Views: 1628

Re: W4 Claiming Exemption

ooops my bad i was 1/3 right the child care credit is nonrefundable
need more coffeeeeeeeee :D
by greenspam
Wed Jan 22, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: W4 Claiming Exemption
Replies: 11
Views: 461

Re: W4 Claiming Exemption

she will not get any 'bonus' from uncle sam; those tax credits cannot be used to make her income less than zero nor can they increase her refund beyond getting back what taxes were withheld during the year...
by greenspam
Wed Jan 22, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: W4 Claiming Exemption
Replies: 11
Views: 461

Re: Something I don't understand about music

for some great bob Dylan covers see or hear: http://en.wikipedia.org/wiki/The_30th_Anniversary_Concert_Celebration I remember first seeing this on PBS on a blizzardy night back in 1993 or 94 and was blown away by it. I downloaded the entire vid (back in the day when u could do that using utorrent or...
by greenspam
Thu Dec 26, 2013 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Something I don't understand about music
Replies: 108
Views: 6445

Re: estate planning attorney fees

update:

a very good friend highly recommended his estate planning attorney to me;
I will get all the same documents.... for about $1,000 instead of $5,000.
by greenspam
Tue Nov 19, 2013 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: estate planning attorney fees
Replies: 29
Views: 3041

Re: estate planning attorney fees

thanx all for many wonderful suggestions....

to be more specific;

1) the will/trust/etc is just for me; my wife recently passed away... and i have 3 adult children.
2) live in NJ, where there is an estate tax, and
3) own 2nd home in CT.
by greenspam
Wed Nov 13, 2013 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: estate planning attorney fees
Replies: 29
Views: 3041

estate planning attorney fees

hi all, got a quote from an attny for: 1) revocable trust, pour over will, poa, health care directive = $3,500 2) separate nonrevocable life insurance trust (goal is to reduce state estate tax) = $1,500 sounds kinda high to me, but i never use lawyers for anything. this is in the northeast and for a...
by greenspam
Tue Nov 12, 2013 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: estate planning attorney fees
Replies: 29
Views: 3041

VG or TIAA-CREF for managing trust account ???

Need to setup a trust for my 3 adult kids (i think) but I'm quite lost even after reading the wiki on estate planning/etc.... i see that both VG and TIAA-CREF offer personal trust services where they can serve as trustee or help in other ways, just wonderin' if anyone here has used VG or TC for such...
by greenspam
Mon Oct 07, 2013 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: VG or TIAA-CREF for managing trust account ???
Replies: 1
Views: 309

Re: Advising a Future Engineer

check local universities, even contact specific professors in the field.. i have 'hired' several highly motivated high school students who emailed me their impressive resumes and when i interviewed them they were equally impressive, so i let them work in my lab for a summer.... volunteer, of course,...
by greenspam
Thu Sep 26, 2013 10:31 am
 
Forum: Personal Consumer Issues
Topic: Advising a Future Engineer (Updated)
Replies: 42
Views: 2359

Re: Is Clark Howard a Boglehead?

just got an email from TIAA-CREF re: free clark howard webinar re: life insurance on thurs sept 26th, so i found this old clark howard thread here in bogle-land to post the registration link for all interested: https://tiaa-creflifeinsurance.webex.com/mw0307l/mywebex/default.do?nomenu=true&siteu...
by greenspam
Mon Sep 23, 2013 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Is Clark Howard a Boglehead?
Replies: 20
Views: 2808

Re: About to buy a boat

2 sayings: 1) a boat is a hole in the water into which you throw money... 2) if it flies, floats, or flirts, rent it, don't buy it... on a more serious note, if you can afford it and think you will enjoy it, go for it but please be very careful boats can be very very dangerous. never drink and drive...
by greenspam
Wed Sep 18, 2013 3:43 pm
 
Forum: Personal Consumer Issues
Topic: About to buy a boat
Replies: 47
Views: 2924

Re: Weight Loss Plans?

I agree with most posts here, DIY, don't pay someone else for your weight loss... About 6 months ago I went to my once-a-decade Dr.'s appt, and he said "you're fat." I said I wanted a second opinion; he said "ok, you're ugly too..." seriously, he said i also had borderline high B...
by greenspam
Tue Sep 17, 2013 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 109
Views: 6399

Re: Boston this weekend

Yes, beachplum, and there was wailing and gnashing of teeth in my house.
But it was a classic yanks-sox game which I thoroughly enjoyed and perhaps tonite's outcome shall differ...
Or not...
by greenspam
Fri Sep 06, 2013 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Boston this weekend
Replies: 25
Views: 1887

Re: Boston this weekend

go into any sports bar in Bahhhhstan this weekend
and watch the wailing and gnashing of teeth
as the Yanks sweep the Red Sox....
(i'm hoping)
--------------------------------------------------------------
or perhaps there will be cheers and beers if their beloved Sox
beat up on the Yanks...
by greenspam
Thu Sep 05, 2013 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Boston this weekend
Replies: 25
Views: 1887

Re: What do you do with your cash back rewards?

mine (W-F 1%) goes straight to the mortgage principal on primary home.
typically $50 a month on $5k spending and i always pay cc in full and on time.
by greenspam
Wed Aug 28, 2013 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with your cash back rewards?
Replies: 51
Views: 3505

Verizon/FiOs triple play deal ???

currently have cablevision/optimum online, approx $150/month for cable tv/phone/internet. very happy with channel lineup/internet speeds/etc... but verizon/FiOs is offering their 'triple play' for $80/month for 1st yr, then $90 a month for 2nd year, plus giving a $300 visa gift card.... soundz like ...
by greenspam
Wed Aug 21, 2013 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Verizon/FiOs triple play deal ???
Replies: 13
Views: 2204

Re: Cable Modem

also check for any damage along the entire length of the cable that comes from the outside of your house to the modem....

a friend of mine had similar problems; the cable guy came and found that rodents had gnawed thru the cable in the garage...
by greenspam
Wed Aug 21, 2013 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Cable Modem
Replies: 16
Views: 1835

Re: I soooo want to pile in large here...

you already missed the big run.... coulda' shoulda' woulda' bought on july 5th (closed at 13.76) and sold today (closed at 19.23) for about 40% profit. if only you had piled in large about 6 weeks ago... based on its recent behavior, looks like an excellent candidate to SHORT. yeah, based on bolling...
by greenspam
Mon Aug 19, 2013 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: I soooo want to pile in large here...
Replies: 53
Views: 5861

Re: The "de" Merits of Tactical Asset Allocation funds

i'm no defender of financial advisors or TAA, but, raising or lower allocations to (at least) 1 out of 35 investment classes or vehicles isnt especially that drastic... from: http://www.financial-planning.com/fp_issues/2012_01/true-cost-of-tactical-management-bob-veres-2676548-1.html "Perhaps t...
by greenspam
Wed Aug 14, 2013 11:16 am
 
Forum: Investing - Theory, News & General
Topic: The "de" Merits of Tactical Asset Allocation funds
Replies: 2
Views: 358

Re: please help me make a wise decision

just FYI, the CRPC designation can be earned by paying $1140 to the College of Financial Planning and completing a 6-8 week course on retirement planning.... see: http://www.cffpinfo.com/crpc.html so, do you want to pay 1.5% of your investment every year to someone who took a 6-8 week course on reti...
by greenspam
Mon Jul 29, 2013 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: please help me make a wise decision
Replies: 11
Views: 885

R: A tablet can replace a computer

i was gonna start a thread along these lines but found this old one to revive/update. i have 2 dead old heavy laptops and am looking to replace with a small/light device such as a small laptop or tablet. but, along the lines of this thread, can a tablet really 'replace' a laptop... i really just nee...
by greenspam
Sat Jul 27, 2013 9:12 am
 
Forum: Personal Consumer Issues
Topic: A tablet can replace a computer
Replies: 57
Views: 5929

Re: [Sad news - Pat Larimore]

Taylor,

You have helped me many times on this forum, either indirectly or directly (see: viewtopic.php?p=690893)

So sorry for your loss, I watched the vid and can see that your wife's stunning outer beauty was surpassed only by her inner beauty.

God Bless.
by greenspam
Wed Jul 17, 2013 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 15844

Re: My dentist asked me for a hot tip

I just had to check, "Scorpio Dog" finished 9th of 11 horses in the 5th race last night... off to the glue factory... but this thread reminds me of my former dentist who would watch CNBC and stock quotes while he was drilling my teeth.... this was during the dotcom bubble/burst. particular...
by greenspam
Wed Jul 17, 2013 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: My dentist asked me for a hot tip
Replies: 37
Views: 2846

Re: My dentist asked me for a hot tip

"Scorpio Dog", horse #5 in 5th race tonight at Presque Isle Downs, 15-1 odds, put a Benjamin on the nose to win.
by greenspam
Tue Jul 16, 2013 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: My dentist asked me for a hot tip
Replies: 37
Views: 2846

Re: A spectacular movie, and a terrible movie

This thread is quickly going to turn into a "who can name the most obscure" movie contest. Extra points if it was in black &white, silent or international. All of you who think blockbusters are awful , and your taste/intellect/refinement/sophistication is better than the average movie...
by greenspam
Fri Jul 12, 2013 1:30 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 10011

Re: A spectacular movie, and a terrible movie

spectacular: the other night "whatever happened to baby jane" was on pbs, and i must say, bette davis is scarier (looking and acting) than just about any other movie monster or ghost or witch or demon or villain... horrific. here is one probably no one has heard of; "the old dark hous...
by greenspam
Fri Jul 12, 2013 1:19 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 10011

Re: 25 years today (how long u been on the job ???)

wow, thanks for so many replies... and the analyses of the data !!!
i guess i have a way to go to catch up with some of you bogleheads;
i thought 25 yrs on the job was rare these days...

thanx again all and here's to your health and longevity in all your endeavors :sharebeer
by greenspam
Mon Jul 01, 2013 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: 25 years today (how long u been on the job ???)
Replies: 74
Views: 5838

25 years today (how long u been on the job ???)

well, just finishing up 25 years here in the salt mine, started this job on july 1, 1988... beware, youngsters, time flies when you're having fun. btw same wife, 27 years, same car, 11 years. i guess when i like something i stick to it. there are advantages to longevity on this job; now qualify for ...
by greenspam
Fri Jun 28, 2013 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: 25 years today (how long u been on the job ???)
Replies: 74
Views: 5838

Re: Your worst financial habit

i hate paying TAXES !!!!

so, despite being in the 2-comma club for my retirement acct, i continue to max out my 403b and wife's IRA because i can't stand the thought of reducing my tax-deductible contributions and paying more $$$ to Uncle Sam !!!
by greenspam
Fri Jun 14, 2013 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Your worst financial habit
Replies: 84
Views: 10692

Re: return brand-new and re-buy with coupon ???

i had never really thought that the coupon could have been 'triggered' by my purchase, i thought it was just a coincidence... but it actually makes sense.
so, i will use it for my next purchase.
thanx for the helpful replies.
by greenspam
Thu Jun 13, 2013 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: return brand-new and re-buy with coupon ???
Replies: 16
Views: 1143

Re: Circling vultures...advisors looking for access to resid

this article in Bulletin of the American College of Surgeons should be of interest: "FINANCIAL PLANNING FOR RESIDENTS" http://www.facs.org/fellows_info/bulletin/2011/prabhakaran0811.pdf perhaps it could be discussed in a "journal club" format with the residents, that way, everyo...
by greenspam
Thu Jun 13, 2013 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Circling vultures...advisors looking for access to residents
Replies: 109
Views: 8089

return brand-new and re-buy with coupon ???

there was a discussion last week or so about returning used items for full refund. this practice was largely frowned upon by bogleheads.... just today i bought $140 of merchandise and just a bit later received a 15% off coupon from same merchant via email (it is for father's day special promotion at...
by greenspam
Wed Jun 12, 2013 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: return brand-new and re-buy with coupon ???
Replies: 16
Views: 1143

Re: Circling vultures...advisors looking for access to resid

this article in Bulletin of the American College of Surgeons should be of interest: "FINANCIAL PLANNING FOR RESIDENTS" http://www.facs.org/fellows_info/bulletin/2011/prabhakaran0811.pdf perhaps it could be discussed in a "journal club" format with the residents, that way, everyon...
by greenspam
Tue Jun 11, 2013 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Circling vultures...advisors looking for access to residents
Replies: 109
Views: 8089

Re: Leaving Ameriprise - move to Vanguard or TIAA CREF ?

expenses of Riversource VUL policy are ridiculous; including a premium expense charge of 5% !!! page 5 (pg #3) in: http://www.riversource.com/content/files/6418.PDF run, dont walk from ameriprise. but there will likely be 'surrender' fees... see: http://thefinancebuff.com/10000-lesson-on-variable-un...
by greenspam
Mon Jun 10, 2013 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Leaving Ameriprise - move to Vanguard or TIAA CREF ?
Replies: 9
Views: 1001

Re: Building a Deck this Summer

consider adding an attached gazebo (screened-in) to keep out the sun by day and the bugs by night...
by greenspam
Wed Jun 05, 2013 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Building a Deck this Summer
Replies: 46
Views: 2641

Re: Returning used items to the store [POLL]

my wife or one of the kids lost the key to the lock on our shed, so i tried to hacksaw it off, but that didnt work, must have been hardened steel.... whatever it is called it could not be sawed with a standard hacksaw blade. so i went to the local hardware store looking for an appropriate hacksaw bl...
by greenspam
Tue Jun 04, 2013 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Returning used items to the store [POLL]
Replies: 50
Views: 2511

Re: Possible bullying at work

"@greenspam
I feel more confident writing than talking eye to eye. Am generating paper trail on purpose. Getting the issue out in the open might make him fix his ways."

...or might get you fired...
by greenspam
Thu May 30, 2013 11:43 am
 
Forum: Personal Consumer Issues
Topic: Possible bullying at work
Replies: 87
Views: 7647

Re: Possible bullying at work

don't send an email (paper trail might somehow be used against you) just talk to him/her and express your feelings in a polite, professional, but very firm fashion. ask if he/she has any specific problems with your performance and then relate your source of 'disgruntlety'. he/she should try to fix t...
by greenspam
Thu May 30, 2013 11:36 am
 
Forum: Personal Consumer Issues
Topic: Possible bullying at work
Replies: 87
Views: 7647

Re: Which companies benefit most from these technologies?

Nuance Communications (NUAN) is a leader in voice recognition; check it out.
Apple's Siri depends on NUAN's technology and some consider NUAN a potential takeover candidate by AAPL.
by greenspam
Sun Apr 28, 2013 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Which companies benefit most from these technologies?
Replies: 8
Views: 1005

Re: Roth/403b/Ibonds for college payments ?

Thanx for the replies... Rupert, your answer sounds very sensible; perhaps i shouldnt be 'married' to these high-rate ibonds because you are right, i am earning more in the retirement accts. Iorek, i do NOT get the tax exemption for the educational use of the ibonds, if i did, i guess cashing the ib...
by greenspam
Fri Apr 26, 2013 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth/403b/Ibonds for college payments ?
Replies: 5
Views: 385

Roth/403b/Ibonds for college payments ?

for past few yrs, have been paying 2 kids college expenses 'out-of-pocket' and thru their 529 plans which paid for most expenses but will be exhausted soon... they both chose go to relatively cheap state schools and i am trying to keep them student-loan free... need about an extra $12-15K (above and...
by greenspam
Fri Apr 26, 2013 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth/403b/Ibonds for college payments ?
Replies: 5
Views: 385

Re: harvard med school vs. penn med+full tuition scholarship

re: comparing philly to cambridge,
UPenn med is in philly (another poster said it was in hershey; that is penn state, not upenn),
but
HMS is in Boston (Mission Hill/Longwood), not Cambridge..
by greenspam
Wed Apr 17, 2013 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10603

Re: harvard med school vs. penn med+full tuition scholarship

and keep in mind, this is 'basic training'..... you will obviously want to go elsewhere for residency, and then fellowship.... consider harvard again then...
by greenspam
Mon Apr 15, 2013 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10603

Re: harvard med school vs. penn med+full tuition scholarship

hmmmm, choosing between the #1 and #4 med schools in the country:

http://grad-schools.usnews.rankingsandr ... int=85a732

i'd pocket the $200k...
by greenspam
Mon Apr 15, 2013 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10603

Re: March Madness the Boglehead way

i started a thread on this, but it was quickly locked: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=113088 so, i expect this thread will be locked soon as well. anyhow, one of the boglehead pool participants used a different passive approach, selecting winners according to the size of th...
by greenspam
Tue Mar 26, 2013 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: March Madness the Boglehead way
Replies: 8
Views: 679

March Madness !!!

Bogleheads are generally considered to be good investors; let's see how good we are at picking basketball games... many of the same principles apply; analysis of data, risk/reward considerations, a bit of luck... If interested, Go to Yahoo college basketball tournament pick'em: http://tournament.fan...
by greenspam
Mon Mar 18, 2013 4:52 pm
 
Forum: Personal Consumer Issues
Topic: March Madness !!!
Replies: 2
Views: 468
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