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Re: Avoiding RMD's with 401K after age 70 1/2

Hmmm. Never thought of rolling one of these accounts into another. Will have to look into it . . . I have two of them, one 401K and one 403B. They are only about 15% of my retirement fund. The intention is to roll each one into my VG traditional IRA when I stop working for the respective institution...
by legio XX
Sun Oct 05, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding RMD's with 401K after age 70 1/2
Replies: 18
Views: 3204

Re: Oatmeal suggestions

A year or two ago the bulb finally went on - I could cook real porridge in my rice cooker if I soaked it like brown rice. :shock: I have a 30+ year-old Zojirushi with 3 settings - cook, keep warm, and unplugged. Works fine although a bit messy if you don't allow a couple of minutes before opening. L...
by legio XX
Sun Oct 05, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 124
Views: 6401

Re: what gender are you?

OK, we need some vocabulary here. I have to give this lecture to students in introductory courses because they usually come in thinking that "gender" is what you call "sex" when you're in school. Wrong. sex - biological , the reproductive assignment, male or female, usually obvio...
by legio XX
Sun Aug 10, 2014 7:27 am
 
Forum: Local Chapters and Bogleheads Community
Topic: what gender are you?
Replies: 27
Views: 5249

Re: Restaurants in New York City?

I'd be very careful using yelp. Apparently they let businesses squelch bad reviews if the business advertises on yelp. I trust tripadvisor more. I've heard chowhound is pretty good and zagats is trustwothy. Ditto - have avoided this site for a while. Seems to be over-managed by the "we fix you...
by legio XX
Mon May 26, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: Restaurants in New York City?
Replies: 42
Views: 2932

Re: NYC for the day… what to do with the car

Assuming it is still there - the garage on 42nd St between 9th and 10th Aves used to be park it yourself.

It's been a long time since I kept a car so this needs to be checked up on.

Vic
by legio XX
Mon May 26, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1132

Re: Why I Don't follow AARP Any More

Ah yes, but do "those polled" understand that compensation isn't really tied to performance, but comes largely from fees and commissions? That the % charged on the underlying nest egg is what shows up on a statement, but is only a baseline? Etc.

Vic
by legio XX
Sun May 11, 2014 7:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I Don't follow AARP Any More
Replies: 18
Views: 2447

Re: HEL to replace student loan (revised)

Hope this is totally irrelevant, but - the terms of student loans are the most draconian around. If you can swap it out for a lower interest rate and at better terms, almost any imaginable, you might want to think about it. If the worst happens and your finances crash, yes, you could lose your house...
by legio XX
Sun Apr 27, 2014 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: HELOC to pay off student loans?
Replies: 33
Views: 5411

Re: What is your net worth

Did the January thread come with instructions like a 1040? Some people must have a lotta time on their hands - or accountants?
by legio XX
Wed Apr 16, 2014 7:20 am
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 6021

Re: Used $35k Porsche on $64k income?

Siiigh. Having driven but not owned both a Beemer and a Carrera . . . if I was your age with your income I'd go for the Porsche!

Sorry, back to my drooling fantasies,

Vic
by legio XX
Wed Mar 05, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6914

Re: Will this affect your Tipping?

I don't see the rationale for tipping at takeouts. This seems like an excuse for not paying employees a living wage. I'm not big on tipping for table service, but it is part of the social infrastructure, and those workers depend on it, so I always tip the baseline 15% unless service has been excepti...
by legio XX
Wed Mar 05, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 9048

Re: Do you have a favorite chocolate bar?

OK, it's not a chocolate bar , but if there's a Beard Papa's within reach, try the chocolat fondant. The world's greatest finger food. [Unfortunately, they don't serve Japanese enamel-cracking coffee so do it as a take-out.] If chocolate isn't on the menu of the day, try the mochi bites - cocoa or g...
by legio XX
Wed Mar 05, 2014 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 5532

Re: "Chip" credit card for foreign travel

sperry8, I used my magstripe cards at automated Trenitalia kiosks in Venice last month with no problem. they didn't require chips. How do you know the kiosks you went to require chips ? Glad to hear it. I'm headed back to Italy next week. A couple of years back I couldn't use my card at the Trenita...
by legio XX
Tue Feb 18, 2014 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 98
Views: 13612

Re: Anyone else use RMD to pay off student loan?

By today's standards, the interest rate was high. Some of these consolidated loans date back to when anything < 10% looked like a gift from Great Googamooga. So, if I kept the RMD until year end I would have earned whatever VG Total Bond market Fund will earn this year. Paying off the loan earned ~5...
by legio XX
Mon Feb 17, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone else use RMD to pay off student loan?
Replies: 2
Views: 370

Anyone else use RMD to pay off student loan?

Facing the first RMD seems like the final milestone heading to official old age. I was going to delay until the bitter end, New Years Eve, but decided to take it right away and pay off the last of the student loan debt picked in the long pursuit of a mid-life doctorate. Saving a bit of interest didn...
by legio XX
Mon Feb 17, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone else use RMD to pay off student loan?
Replies: 2
Views: 370

Re: Picking an insurance co for Medigap policies

I was going to save this until I was sure that the problem(s) were fully resolved, but here's my tuppence re AARP/United: Earlier this year I switched from Medicare A + employer's program to Medicare A, B, D + Medigap. I chose AARP/United. Offhand I don't remember how I worked through all the candid...
by legio XX
Sun Oct 20, 2013 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Picking an insurance co for Medigap policies
Replies: 34
Views: 2391

Re: Dental Insurance

Dental insurance does function largely as a pre-payment plan, but given the cost of routine care it works out about the same, and when things do go wrong it gets you recognized as a human being in a dentist's office.

Vic
by legio XX
Sun Aug 18, 2013 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 31
Views: 2733

Re: LinkedIn strategy?

I keep getting invitations from people I don't know or from people I do know who didn't send them. I also get endorsed for skills I don't have while the skills I do have never show up. Whenever I log in they ask to get into my email list, which I always refuse. Apparently some others are less fussy ...
by legio XX
Mon Aug 12, 2013 10:30 am
 
Forum: Personal Consumer Issues
Topic: LinkedIn strategy?
Replies: 51
Views: 5751

Re: 401K choices

Thanks folks,

I passed this along.

Vic
by legio XX
Sun Feb 10, 2013 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K choices
Replies: 4
Views: 551

401K choices

I got this request for my opinion from a colleague. (I answered only that my old 401K plan included Pimco and it had done alright - kind of fuzzy there.) I don't know the overall situation such as AA, total nest egg or % represented by this 401K, but the home is paid off and no dependent kids, etc. ...
by legio XX
Sun Feb 03, 2013 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K choices
Replies: 4
Views: 551

Re: What's the cheapest cell phone if you don't need minutes

If you love data but hate data plan prices- the Tmobile/Walmart $30 data plan gives 100 minutes +5gig of data at HSPA+ (3.5G speeds. . . . I swear lurking on B'heads is one of the best investments you can make. Didn't know about this one and have been thinking about caving for a SmartFone. Thanks! ...
by legio XX
Tue Oct 16, 2012 8:41 am
 
Forum: Personal Consumer Issues
Topic: What's the cheapest cell phone if you don't need minutes?
Replies: 82
Views: 9156

Re: Knives set recommendations

Mine are Henckel. I didn't buy them as a set, but pretty much have one and stash them in a knife block instead of the drawer. It keeps them handy and people think I'm a much better cook than I am. As for what to get first, I pretty much go with the crowd. Mid-size chef, two parers, boner, occasional...
by legio XX
Mon Oct 15, 2012 5:27 am
 
Forum: Personal Consumer Issues
Topic: Knives set recommendations
Replies: 43
Views: 3905

Re: Buying a Condo/Townhouse in DC (and lost!)

2) A lot of co-ops and associations here want you to stay in the unit as owner-occupied. I've heard horror stories about people basically being forced to sell if they have to leave for a job or something else vice renting it out. Does anyone know if it's easy in DC to find a place people are willin...
by legio XX
Sun Oct 14, 2012 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Condo/Townhouse in DC (and lost!)
Replies: 23
Views: 2440

Re: Why doesn't the general public care about expense ratios

OK, I vote for all of the above. But, if education is the key why do we have so many well-educated people making this mistake? My-nephew-the-busines-major gave me the "you get what you pay for" and "it's the return that counts" lines. No idea what his personal investments are, bu...
by legio XX
Sun Oct 14, 2012 7:59 am
 
Forum: Investing - Theory, News & General
Topic: Why doesn't the general public care about expense ratios?
Replies: 101
Views: 7382

Re: explain change Sara Lee

I'm also thinking of selling the Bank of New York stock that is back to the same value it was 15 years ago. Shady dealings seems to have caused this. I don't blame the market for being 'shady' when it doesn't go up or down as much as I hoped. What exactly are you referring to? Yeh, they were very u...
by legio XX
Sun Oct 14, 2012 7:30 am
 
Forum: Investing - Help with Personal Investments
Topic: explain change Sara Lee
Replies: 7
Views: 893

Re: New York - Cable for bogleheads

Lurk, What DSL speed do you have? I took the cheapest - slowest - back when I switched from dial-up so I think I will have to upgrade to stream. This means I will also have to get a landline again since Verizon no longer allows for dry loops. They sent an email about this a while back. Then there's ...
by legio XX
Fri Oct 12, 2012 11:01 am
 
Forum: Personal Consumer Issues
Topic: New York - Cable for bogleheads
Replies: 16
Views: 1170

Re: *Sorry for asking* Is this forum biased?

joybelle wrote: All quant investing is based on science.


If by quant investing you mean looking at chart shapes and such, it reminds me of astrology - which is full of data - and IMO about as reliable.

I'd as likely pick an investment by throwing the Ching.

Vic
by legio XX
Thu Oct 11, 2012 8:54 am
 
Forum: Forum Issues and Administration
Topic: *Sorry for asking* Is this forum biased?
Replies: 100
Views: 8281

Re: Tailoring Clothes

Does anyone buy nice clothes at Goodwill and have them tailored? Yes - although I find Housing Works has better stuff. Can't beat Goodwill for jeans though . . . . Tailoring - I usually need to have pants shortened and if they are a cuffed style I take them to the tailor. I turn my own shirt collar...
by legio XX
Thu Oct 11, 2012 8:34 am
 
Forum: Personal Consumer Issues
Topic: Tailoring Clothes
Replies: 30
Views: 2985

Re: Bank in NYC? Experience w Chase or First Republic?

Bank of New York is not in the retail banking business - That's good to hear. When they took over Barclay's (about 20 years ago!) it was a nightmare. Fortunately I also had the credit union which is where I've stayed ever since - so I can't comment on Chase vs Republic. But, if I needed to change t...
by legio XX
Thu Oct 11, 2012 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank in NYC? Experience w Chase or First Republic?
Replies: 17
Views: 1611

Re: Amazon Business Practice and Cust. Service

Amazon doesn't have a "retention" department. The very idea is ridiculous! Their margins are razor thin and if you don't follow their self-service model they frankly don't want to do business with you. From the story you've written here, your brother-in-law is the definition of a nightmar...
by legio XX
Thu Oct 11, 2012 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 2900

Re: *Sorry for asking* Is this forum biased?

OK, fair question. 30 years ago I was as ignorant as one can be. I bought a few books. Index funds were among a number of things I tried. I cannot explain why. As time went by I seemed to move toward . . . index funds. My mom enjoyed investing. It was as much a social activity as an investment strat...
by legio XX
Mon Oct 08, 2012 8:30 pm
 
Forum: Forum Issues and Administration
Topic: *Sorry for asking* Is this forum biased?
Replies: 100
Views: 8281

Re: New York - Cable for bogleheads

Thanks for the suggestions. Sometimes the group knows about things I never heard of and so can't check out until I do hear about it. I know I (UWS) can do either TimeWarner or FIOS. Can't do Dish (unless the landlord's dog approves - won't happen). Can do indoor antenna. Was just wondering what othe...
by legio XX
Mon Oct 08, 2012 8:15 pm
 
Forum: Personal Consumer Issues
Topic: New York - Cable for bogleheads
Replies: 16
Views: 1170

Re: Cell phones breaking budgets!

Rhymes, Thanks a lot! Never thought of this. I do have a VOIP number that I don't use much - MajicJack - and this gives me all kinds of ideas. Forward - forward - riiiing! Will see how it works out. The reason I want to set this up is that a few years ago a friend of my mom's - close to 90 - happene...
by legio XX
Mon Oct 08, 2012 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 10089

Re: New York - Cable for bogleheads

Does that include the fees/taxes/box rental?

Vic
by legio XX
Mon Oct 08, 2012 3:27 pm
 
Forum: Personal Consumer Issues
Topic: New York - Cable for bogleheads
Replies: 16
Views: 1170

Re: Cell phones breaking budgets!

Wow, the range here is wild. Went from a $50/month plan to pay-as-you-go with T-Mobile. Cut bill to about $20/month. The problem is that when I travel overseas, OK only a few weeks a year, but enough, no one can reach me unless they know my Euro cell no. (I put a few Euros on it each trip; never use...
by legio XX
Mon Oct 08, 2012 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 10089

Re: New York - Cable for bogleheads

Thanks, but neither building would allow a roof antenna. They have BOARDS that keep going on about INsurance and liaBILLity and how bad it will look to people they're trying to sell million buck apartments to. The UWS apt can pull in a few local channels with an indoor antenna, really sharp even wit...
by legio XX
Mon Oct 08, 2012 2:37 pm
 
Forum: Personal Consumer Issues
Topic: New York - Cable for bogleheads
Replies: 16
Views: 1170

New York - Cable for bogleheads

Two NY Bogleheads are *thinking about* getting / going back to cable / satellite / whatever. 1) UWS - Uppawessida ditched cable about 10 years ago - the physical cable is still there. Has clear area outside; not sure how long this will last; they've got to be salivating to build in that space. No sa...
by legio XX
Sun Oct 07, 2012 10:48 am
 
Forum: Personal Consumer Issues
Topic: New York - Cable for bogleheads
Replies: 16
Views: 1170

Re: Looking for a Good Historical Fiction Series

http://crimethrutime.com/timeline/series1.htm#18th

As the name says, these are crime/detection novels.

There are some links to other sites and to listings for other time periods.

Vic
by legio XX
Sun Oct 07, 2012 9:31 am
 
Forum: Personal Consumer Issues
Topic: Looking for a Good Historical Fiction Series
Replies: 48
Views: 4604

Re: student loans vs investing?

OK, let me take the other tack here. I acquired my student loan debt much later in life. After considering whether or not to pay it off and save in the long run, especially with the lousy interest rates going around today, I decided not to. I ease my conscience by dumping a RMD payment into the loan...
by legio XX
Tue Oct 02, 2012 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: student loans vs investing?
Replies: 15
Views: 1240

Re: 21 ways rich people think

. . . It's like they were afraid of money. Afraid to hold it. I see this so commonly. Since I am not a financial advisor I do not make recommendations other than, "You really ought to talk to a fee-only financial advisor." Not one of my poor patients with a windfall has yet done that. I'm...
by legio XX
Sun Sep 09, 2012 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: 21 ways rich people think
Replies: 84
Views: 8744

Re: College Debt: Be Careful

I agree that the college costs are high. I refused to pay full tuition for my daughter to go to biomedical engineering at Jonhs Hopkins or Duke two years ago. Instead she went to U of Wisconsin, Madison at 30% of the cost (state U). She is doing well and recently won a student research scholarship ...
by legio XX
Sun Sep 09, 2012 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Debt: Be Careful
Replies: 64
Views: 6863

Re: College Debt: Be Careful

I'm sorry, but I see that as a violation of a key concept of financial responsibilty of limiting one's debt as much as you can. Taking on debt to get more education to further one's career prospects is great. Taking on debt to get an education in something that gets one to pay debt past age 70 just...
by legio XX
Sun Sep 09, 2012 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Debt: Be Careful
Replies: 64
Views: 6863

Re: College Debt: Be Careful

Vic and Nisi I'm sorry that you feel that way. Everything I read says we need to drastically redirect our education systems NOW to more math, science and technology to have any hope of competing in the world. Our poor choices of college majors and high expenses for these poor choices . . . It's not...
by legio XX
Sun Sep 09, 2012 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Debt: Be Careful
Replies: 64
Views: 6863

Re: 70 is the New 65

I wish I could get this much discussion from my students!! I'd like to be able to retire from the job I do to pay the rent so that I could spend more time/energy on my real work. Not sure if that counts as retirement - how about if I do it while world-travelling? Since I can't retire I don't care if...
by legio XX
Sun Sep 09, 2012 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: 70 is the New 65
Replies: 67
Views: 5779

Re: College Debt: Be Careful

You are assuming that the function of a university is to facilitate post-graduate earnings. I do not agree with that assumption. What you are describing is "training," not "education." Reward universities for maximizing the short-term earnings achievements of graduates and in a ...
by legio XX
Sun Sep 09, 2012 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Debt: Be Careful
Replies: 64
Views: 6863

Re: College Debt: Be Careful

Someone brought up my biggest pet peave/ rant. The scam I call college education in this country. I am amazed the debt folks get into to get degrees in things that they should know have no way of paying for their education. Degrees in music, drama, art history, etc... are not going to pay off debt ...
by legio XX
Sun Sep 09, 2012 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Debt: Be Careful
Replies: 64
Views: 6863

Re: Hiring a baby sitter instead of day care

I had a relative asked around because she talks to a lot of people with kids. Apparently, she said no one pays the "nanny tax" and no one even heard of Pub 926, so she now probably think I am crazy to even consider paying it. I prefer not to break the law. Just because everyone else does ...
by legio XX
Thu Aug 30, 2012 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Hiring a baby sitter instead of day care
Replies: 53
Views: 4815

Re: New-Old Boglehead with Health Insurance Question

I'm hoping this will BUMP your post so that someone more knowledgeable can respond. It's been a long time since I had to confront this circumstance so things may have changed, but: Assuming the youngster is going to a public school s/he will have to live in the district, and you will probably have t...
by legio XX
Wed Aug 29, 2012 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: New-Old Boglehead with Health Insurance Question
Replies: 5
Views: 500

Re: Medicare makes 65 de facto retirement age & early retire

Do people get sick all the time in the US? I have never had health insurance and don't understand the preoccupation with it. I barely go to the doctors once every 2 or 3 years and it costs around US$150-200 per visit. Or is it that when you have healthcare, you go and see a doctor for every little ...
by legio XX
Sun Aug 26, 2012 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Medicare makes 65 de facto retirement age & early retirement
Replies: 126
Views: 8412

Re: The cost difference between men's and women's suits

No one seems to have mentioned the difference in tailoring. Pockets? Some women's suits have none; most have a slash pocket on the skirt and simple hand-in pockets on the jacket. Inside pockets, back pockets, just plain usable pockets, frequently nowhere to be found even on a pants suit. Waistband? ...
by legio XX
Sun Aug 26, 2012 9:42 am
 
Forum: Personal Consumer Issues
Topic: The cost difference between men's and women's suits
Replies: 32
Views: 2890

Re: Ivy League Myths Uprooted

ChapMan wrote:I know this is a weird thing to assert on a forum like this, but it's really not all about the money. . . .
That was a lot of rambling, but basically I'm asking us all to remember that college is a time to grow, mature, and explore, however you do that.


+1

Vic
by legio XX
Wed Jun 13, 2012 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Ivy League Myths Uprooted
Replies: 288
Views: 18610
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