Search found 329 matches

by legio XX
Sun Jun 28, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4931

Re: are these legit Vanguard reviews?

I'm skeptical of any site that calls itself "consumer" something. It's similar to pre-web days when any number of magazines tried to ride the reputation of Consumer Reports which earned its reputation by not running any ads. The me-toos were all ordinary commercial 'zines that earned reven...
by legio XX
Sat Jun 27, 2015 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4744

Re: Homemaker denied credit card despite high household income

I applaud the bank for responsible lending. I don't know what your wife's gender has to do with it. Would they give you a credit card without an income? I see no reason why a homemaker of either gender should be denied credit. Responsible lending is not giving access to unreasonable amounts of cred...
by legio XX
Sat Jun 27, 2015 6:37 am
Forum: Personal Consumer Issues
Topic: Scotland / Ireland Castles?
Replies: 29
Views: 2726

Re: Scotland / Ireland Castles?

killjoy, northwoods, Thanks for the info. I agree that driving in the country might be a better way to start. I feel the same way about left-side driving as some of my friends feel about driving in New York. I do it naturally; some of them absolutely refuse to drive into the city. Go figger . . . Th...
by legio XX
Fri Jun 26, 2015 5:56 am
Forum: Personal Consumer Issues
Topic: Scotland / Ireland Castles?
Replies: 29
Views: 2726

Re: Scotland / Ireland Castles?

Wales has many good castles but it rains a lot. Many of the castles were built for defence in the 11th-14th centuries and are therefore the real deal Working castles sound like a great idea! Have an open week in the UK coming up soon. But, I don't drive there - haven't done any left-hand driving fo...
by legio XX
Fri Jun 26, 2015 5:47 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27822

Re: What ratio are you stocks/bonds and how old are you?

70s. 55/43 and a little cash. Rebalancing a bit this weekend.

Vic
by legio XX
Fri Jun 26, 2015 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4744

Re: Homemaker denied credit card despite high household income

Very surprised to read this. I thought treating homemakers like unemployed adolescents had been illegal for over 40 years. A lousy grocery-store credit card?! It used to be that kids with no credit started building a credit history with this kind of account. Or do they also claim her previous credit...
by legio XX
Sun Apr 05, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: Your Best Tips for Selling on eBay/Amazon/Similar?
Replies: 18
Views: 2251

Re: Your Best Tips for Selling on eBay/Amazon/Similar?

the short version - I've been selling on eBay for more than 10 years, Overall experience positive. I dropped off Amazon when they wanted my "Taxpayer ID" even though I was nowhere near the point where the IRS requires this. I had prepared a much longer comment, but the BH system kicked me ...
by legio XX
Sun Feb 15, 2015 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Tenants won't let us show the rental: what do we do?
Replies: 60
Views: 7888

Re: Tenants won't let us show the rental: what do we do?

This sounds like a job for your management company. Since the lease specifies your right to show the property, and you have made reasonable effort to work with them, why not tell the manager to begin eviction proceedings? That will either get them to cooperate or get them out if they are hiding anyt...
by legio XX
Sun Feb 15, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: Best Men's Winter Pants
Replies: 18
Views: 1871

Re: Best Men's Winter Pants

We live in the same territory so, FWIW, here's my solution: snow pants (intended for snowboarding and other winter sports) from EMS (paid $70) over regular clothes. I spend most of my time indoors, but try to walk a good bit even in lousy weather. The long underwear works OK, but then I'm indoors fo...
by legio XX
Wed Nov 19, 2014 9:17 am
Forum: Personal Consumer Issues
Topic: Medicare Part B - timing question
Replies: 3
Views: 857

Re: Medicare Part B - timing question

Also warn him to send everything Certified w return receipt. Very little is actually lost in the mail, but when I switched from my employer's plan to Medicare B the local SS office swore they never got the paperwork. I remailed w/ return receipt and when they still didn't respond I went with the rec...
by legio XX
Sun Oct 05, 2014 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding RMD's with 401K after age 70 1/2
Replies: 18
Views: 3878

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 8:45 am
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 149
Views: 15475

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 Aug 10, 2014 6:27 am
Forum: Local Chapters and Bogleheads Community
Topic: what gender are you?
Replies: 27
Views: 5728

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
Mon May 26, 2014 8:44 am
Forum: Personal Consumer Issues
Topic: Restaurants in New York City?
Replies: 42
Views: 3160

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 8:35 am
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1242

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
Sun May 11, 2014 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Why I Don't follow AARP Any More
Replies: 18
Views: 2579

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 Apr 27, 2014 6:47 am
Forum: Personal Finance (Not Investing)
Topic: HELOC to pay off student loans?
Replies: 33
Views: 5635

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
Wed Apr 16, 2014 6:20 am
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 6107

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 Mar 05, 2014 10:22 pm
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 7185

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 10:04 pm
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 9299

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 9:36 pm
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 6349

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
Tue Feb 18, 2014 7:17 am
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 105
Views: 16901

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
Mon Feb 17, 2014 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else use RMD to pay off student loan?
Replies: 2
Views: 404

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 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else use RMD to pay off student loan?
Replies: 2
Views: 404

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
Sun Oct 20, 2013 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Picking an insurance co for Medigap policies
Replies: 34
Views: 2932

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 Aug 18, 2013 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 31
Views: 2941

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
Mon Aug 12, 2013 9:30 am
Forum: Personal Consumer Issues
Topic: LinkedIn strategy?
Replies: 51
Views: 5830

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
Sun Feb 10, 2013 8:31 am
Forum: Investing - Help with Personal Investments
Topic: 401K choices
Replies: 4
Views: 637

Re: 401K choices

Thanks folks,

I passed this along.

Vic
by legio XX
Sun Feb 03, 2013 7:29 am
Forum: Investing - Help with Personal Investments
Topic: 401K choices
Replies: 4
Views: 637

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
Tue Oct 16, 2012 7:41 am
Forum: Personal Consumer Issues
Topic: What's the cheapest cell phone if you don't need minutes?
Replies: 82
Views: 9617

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
Mon Oct 15, 2012 4:27 am
Forum: Personal Consumer Issues
Topic: Knives set recommendations
Replies: 43
Views: 4104

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
Sun Oct 14, 2012 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Condo/Townhouse in DC (and lost!)
Replies: 23
Views: 2561

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 6:59 am
Forum: Investing - Theory, News & General
Topic: Why doesn't the general public care about expense ratios?
Replies: 101
Views: 7486

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 6:30 am
Forum: Investing - Help with Personal Investments
Topic: explain change Sara Lee
Replies: 7
Views: 929

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
Fri Oct 12, 2012 10:01 am
Forum: Personal Consumer Issues
Topic: New York - Cable for bogleheads
Replies: 16
Views: 1274

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
Thu Oct 11, 2012 7:54 am
Forum: Forum Issues and Administration
Topic: *Sorry for asking* Is this forum biased?
Replies: 100
Views: 8447

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 7:34 am
Forum: Personal Consumer Issues
Topic: Tailoring Clothes
Replies: 30
Views: 3076

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 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Bank in NYC? Experience w Chase or First Republic?
Replies: 17
Views: 1753

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 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 3086

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
Mon Oct 08, 2012 7:30 pm
Forum: Forum Issues and Administration
Topic: *Sorry for asking* Is this forum biased?
Replies: 100
Views: 8447

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 7:15 pm
Forum: Personal Consumer Issues
Topic: New York - Cable for bogleheads
Replies: 16
Views: 1274

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 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 10292

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 2:27 pm
Forum: Personal Consumer Issues
Topic: New York - Cable for bogleheads
Replies: 16
Views: 1274

Re: New York - Cable for bogleheads

Does that include the fees/taxes/box rental?

Vic
by legio XX
Mon Oct 08, 2012 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 10292

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 1:37 pm
Forum: Personal Consumer Issues
Topic: New York - Cable for bogleheads
Replies: 16
Views: 1274

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
Sun Oct 07, 2012 9:48 am
Forum: Personal Consumer Issues
Topic: New York - Cable for bogleheads
Replies: 16
Views: 1274

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 8:31 am
Forum: Personal Consumer Issues
Topic: Looking for a Good Historical Fiction Series
Replies: 48
Views: 5204

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
Tue Oct 02, 2012 9:17 am
Forum: Personal Finance (Not Investing)
Topic: student loans vs investing?
Replies: 15
Views: 1297

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
Sun Sep 09, 2012 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: 21 ways rich people think
Replies: 84
Views: 8881

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 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: College Debt: Be Careful
Replies: 64
Views: 6969

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 ...

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