Search found 191 matches

by msj16
Sun Jun 14, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Good hotels and restaurants in Vienna, Salzburg
Replies: 9
Views: 860

Re: Good hotels and restaurants in Vienna, Salzburg

We have now booked at the Hyatt in Vienna. Now just figuring out Salzburg. Thanks!
by msj16
Sun Jun 14, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Good hotels and restaurants in Vienna, Salzburg
Replies: 9
Views: 860

Re: Good hotels and restaurants in Vienna, Salzburg

Thanks for the advice. What a great idea to stay in the historic district. I will do that. I am fine with spending a lot (500 or so per night). Does anyone know of a hotel that has two double beds or does that not exist. Even suites seem to have a king and only a rollaway. Thank you for the restaura...
by msj16
Sun Jun 14, 2015 1:22 am
Forum: Personal Consumer Issues
Topic: Good hotels and restaurants in Vienna, Salzburg
Replies: 9
Views: 860

Good hotels and restaurants in Vienna, Salzburg

Hello,

I am planning a one week trip to Vienna and Salzburg. I would appreciate any ideas for hotels as well as restaurants.

msj16
by msj16
Fri May 08, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 24
Views: 2083

Re: Author Advice - Advantages/Disadvantages of Co-author

bowtie-Thank you for the best wishes. What an interesting year 2015 is going to be! miebuf - Thank you very much for your advice and nuggets of wisdom born from being a successful writer. I will take one step at a time down the road. I have discovered that writing can be a true joy if one focuses on...
by msj16
Wed May 06, 2015 11:09 pm
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 24
Views: 2083

Re: Update - Author Advice - Choose Co-author?

Hello everyone, Today my book proposal got accepted for publication. I did it all on my own without a co-author. I appreciate all of your previous advice and support. I had wavered a bit, not knowing whether I could actually write well. Now I am really glad that I didn't pursue co-authorship! This w...
by msj16
Thu Apr 23, 2015 9:01 pm
Forum: Personal Consumer Issues
Topic: Terminating ADT Alarm Service
Replies: 12
Views: 1887

Re: Terminating ADT Alarm Service

Even worse, after I cancelled, I had a collections agency send threatening letters about not paying my ADT bill. The ADT rep said she had no idea why the contract cancellation never went through, and why a new contract was issued without my consent. They refused to offer anything for the time and tr...
by msj16
Sat Mar 07, 2015 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Financial Plan is Dead!
Replies: 26
Views: 6283

Re: Vanguard Financial Plan is Dead!

After speaking with Vanguard my understanding about the "Consult with a CFP" is that it involves a short phone-call (about 15 minutes or less) to ask a question. It does not include a comprehensive written financial plan. They said that they got rid of that when they moved to advisory serv...
by msj16
Fri Mar 06, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice. My wife is starting a small business
Replies: 25
Views: 3042

Re: Need advice. My wife is starting a small business

I previously had a SEP with Vanguard and now have a Solo 401K with Vanguard. I found the paperwork to be minimal in terms of setting it up. Just repeating the same contact info for a few pages - no sweat. I have not yet filed the form when one reaches 250,000.
by msj16
Sun Feb 22, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 10371

Re: What age do you guys plan to retire?

People in the thread probably don't like their jobs. Warren Buffet at 85 is still not planning to retire. The best thing about 2015 is that I realize that after much work, I now love my job and have no interest in retiring. I have too much good work to do! I own my own business so I don't have to d...
by msj16
Sun Feb 15, 2015 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Target date funds-- Retirement Tax RMD Planning
Replies: 11
Views: 1535

Re: Target date funds

People just have to remember that Vanguard's target date fund use index funds whereas many others (T. Rowe Price for example - ) can use actively managed funds. Some have so many funds in them that I found it difficult to know exactly what I was buying! That is why I prefer the simplicity of Vanguar...
by msj16
Mon Feb 09, 2015 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Design/Contribution Advice – 55% in Taxable Accts.
Replies: 6
Views: 718

Re: Portfolio Design/Contribution Advice – 55% in Taxable Ac

Vanguard had me first complete a questionnaire assessing risk tolerance. I have always had very high risk tolerance (did not sell during the 2008 crash and actually bought more). They suggested dialing my high risk tolerance down a bit given my goals of retiring in 10 years. So, the advice was based...
by msj16
Sun Feb 08, 2015 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 3314

Re: Hospital/medical bill - need advice

I have a friend who has paid a private health care advocate to try to fight it out with the insurance company. I also wanted to add to those reading this thread that just because an insurance card has been copied, does not mean that the provider knows the plan! I have found that even the insurance c...
by msj16
Sun Feb 08, 2015 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Design/Contribution Advice – 55% in Taxable Accts.
Replies: 6
Views: 718

Re: Portfolio Design/Contribution Advice – 55% in Taxable Ac

Not an expert here but I am your age and recently obtained advice from a Vanguard financial planner. The recommended allocation to stock was 76%. I am currently at 75%. I intend to retire in 10 years as well. Most our age are being more conservative than that. I think you are doing really well thoug...
by msj16
Sat Feb 07, 2015 8:34 am
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 29
Views: 2473

Re: Are the expensive air purifiers worth the money?

Caduceus wrote:What kind of things would a HEPA filter not purify that would cause allergies?


Check to see if you have a dust mite allergy which would require encasing your mattress.
by msj16
Fri Feb 06, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 29
Views: 2473

Re: Are the expensive air purifiers worth the money?

All I can tell you is that I had a reasonably expensive one for years (which was running all of the time - with the filters being changed every six months) and I still had some congestion. Then I got an IQ-air this year. I really noticed a difference and I don't easily fall for the placebo effect. I...
by msj16
Wed Jan 21, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question for parents in retirement
Replies: 4
Views: 548

Re: Asset Allocation Question for parents in retirement

dbr - Your posts are always very helpful. Thank you for the great advice which I conveyed word for word to my mother! dale-thanks for the word of caution - By not accessing it, I meant not using the funds for living expenses. They are dutifully having to take it out via the required minimum distribu...
by msj16
Wed Jan 21, 2015 7:27 pm
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 9473

Re: "When you've won the game, stop playing"

Context, please. In the same vein, Leerar's point is well taken: if you have plenty of human capital left when you've "made your number" (I get it, I'll stop with the acronyms), no reason why you can't keep piling on. But, again, if that happens just before you retire, a great deal more c...
by msj16
Wed Jan 21, 2015 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question for parents in retirement
Replies: 4
Views: 548

Asset Allocation Question for parents in retirement

Hello, My parents have asked me a question regarding asset allocation during retirement. Currently, they are living solely on social security and pensions (which fully cover their monthly expenses) so are not accessing their tax-deferred and taxable retirement savings. They are 75 and 85 years old a...
by msj16
Fri Jan 16, 2015 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 17903

Re: Should I Declare Victory and Pack It In?

Wormwood - Well said about the "delayed gratification". It really seems like you are ready to hit "stop" on the rat-race. Peace of mind and emotional health are ultimately more important than money. You can do this and work part-time if necessary as long as you are ready to give ...
by msj16
Mon Jan 05, 2015 3:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hobbies + Free Time
Replies: 11
Views: 2295

Re: Hobbies + Free Time

Reading, Playing the piano, personal finance, travel and my new hobby - netflix streaming!
by msj16
Thu Dec 25, 2014 1:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Message To You -- 70 Years Ago.
Replies: 58
Views: 5647

Re: My Christmas Message To You -- 70 Years Ago.

You have lived a worthy life before most of us were born. Then later in life, you tackled a new battle - the investor battle. A different battlefield but also necessary.

Merry Christmas
by msj16
Thu Dec 25, 2014 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance (Specialist "Out of Network" [error])
Replies: 43
Views: 5438

Re: Health Insurance (Specialist "Out of Network" [error])

Great that you had the will to persevere. The suggestion to take a screen shot was a very good one. Beware in the future of "phantom networks" - the illusion that your insurance company has many doctors/specialists in-network, when in fact they do not.
by msj16
Wed Dec 17, 2014 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 30
Views: 3219

Re: Looking to move inheritance from high-fee advisor

You can get a detailed written financial plan from Vanguard (see Flagship status). Voyager Select status (500,000 assets ) also qualifies for this. You can try to manage it yourself at Vanguard which is not hard given funds such as Target Retirement Income (which I use), or can get ongoing help if n...
by msj16
Sun Dec 14, 2014 7:36 am
Forum: Investing - Help with Personal Investments
Topic: College Savings
Replies: 20
Views: 1642

Re: College Savings

There is a website that I found useful:

www.savingforcollege.com

It has a Q and A section that I found to be helpful (under Community section).
by msj16
Mon Dec 08, 2014 10:12 am
Forum: Personal Consumer Issues
Topic: Youngster talented in science and math
Replies: 47
Views: 3749

Re: Youngster talented in science and math

My seventh grader who is really into physics loved reading Stephen Hawking - A Brief History of Time and if you don't have the time, there is always a Briefer History of Time!
by msj16
Sat Dec 06, 2014 5:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2521

Re: Thank you, Taylor...

It is rare to find a person of such generosity, wisdom and kindness. Thank you for helping change so many lives, including my own.
by msj16
Thu Dec 04, 2014 9:10 am
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 78
Views: 5788

Re: Private college counselor

Thank you TomatoTomahto and Livesoft for the very helpful advice. It makes sense that one must show that a student can manage high academic rigor in high school in order for colleges to assume that a student can master the advanced curriculum at top notch colleges.
by msj16
Wed Dec 03, 2014 11:25 am
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 78
Views: 5788

Re: Private college counselor

I think we will briefly try a private college counselor because both parents did not grow up in this country. It is so foreign to think about AP classes, essays, extracurricular activities etc... and I am just beginning to figure this all out. I have some questions and would appreciate quick input: ...
by msj16
Mon Nov 24, 2014 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Huge salary increase...looking for guidance
Replies: 26
Views: 3797

Re: Huge salary increase...looking for guidance

In case you didn't know, you can superfund a 529 by putting in 5 years worth in one year.
by msj16
Fri Nov 21, 2014 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Plan - when to stop contributing?
Replies: 15
Views: 2181

Re: 529 Plan - when to stop contributing?

You should input these numbers into a college calculator. I just did, given your numbers and years until your child hits college. If you are planning for a public 4 year average cost, then you really don't need to continue contributing (based on 5% investing return). You are totally done. If you are...
by msj16
Fri Nov 21, 2014 8:24 am
Forum: Personal Finance (Not Investing)
Topic: 529 Plan - when to stop contributing?
Replies: 15
Views: 2181

Re: 529 Plan - when to stop contributing?

I run my numbers through a college calculator. For me, as a personal decision I choose the inputs as college cost of average private college per year (I want to plan for private college and any unused funds can go to graduate school which is likely), inflation at 5-6%, investing return at 5%. I have...
by msj16
Sat Nov 15, 2014 10:53 pm
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 11504

Re: Does anyone here make "fun" purchases.

As long as you are successfully working toward the big goals (retirement, getting rid of mortgage etc..) or have taken care of them already and can pay cash, go for it! Our big goals are almost finished and some are complete (like paying off the mortgage) so time to stop delaying gratification! Rece...
by msj16
Wed Nov 12, 2014 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Transition from Saving to Spending
Replies: 37
Views: 5459

Re: Transition from Saving to Spending

For my mom who grew up relatively poor, spending in retirement was quite difficult. I had to explain the 4% rule and we worked on what asset allocation in retirement would allow her to feel comfortable spending.
by msj16
Sun Nov 09, 2014 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 48
Views: 4656

Re: What about non-U.S. colleges?

I went to McGill University in Montreal. I can tell you that it was an amazing education for very little tuition. In my graduate program I was finding that my undergraduate knowledge in comparison to my peers was top notch. I still credit it with really developing my critical thinking skills.
by msj16
Sun Nov 09, 2014 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 48
Views: 4656

Re: What about non-U.S. colleges?

I went to McGill University in Montreal. I can tell you that it was an amazing education for very little tuition. In my graduate program I was finding that my undergraduate knowledge in comparison to my peers was top notch. I still credit it with really developing my critical thinking skills.
by msj16
Wed Oct 29, 2014 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Finance kids' medical educations with a HELOC?
Replies: 24
Views: 2256

Re: Finance kids' medical educations with a HELOC?

It doesn't have to be all or nothing. Depending upon how risky the situation is for you (i.e., how much you have in retirement already) you might loan half the amount and expect them to take out loans as well (perhaps in the later years so that it can be more quickly paid off once they graduate.
by msj16
Wed Oct 22, 2014 5:37 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"
Replies: 8
Views: 2047

Re: "Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"

Look what a couple of great and wise men can do!
by msj16
Mon Oct 20, 2014 6:13 pm
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 3940

Re: Shoes for Plantar Fasciitis?

Custom orthotics worked for me.
by msj16
Tue Oct 14, 2014 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Recent statistics of college majors
Replies: 35
Views: 2940

Re: Recent statistics of college majors

Informative chart. Thank you for sharing. I would be interested in graduate school data as well. I have a budding physicist or chemist who has the mind to be an engineer but could go on to a Ph.D. in physics/chem. I wonder how that compares.
by msj16
Sat Oct 11, 2014 11:33 am
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 2708

Re: Air Purifier for Allergies

Good luck! Let's agree to update this post after some experience with the IQAIR machines I wanted to report back that the IQAir is amazing! I previously was using a BlueAir so it wasn't as if there was no air cleaner. With the IQ air, my son was saying he was not congested, was sleeping better and ...
by msj16
Mon Oct 06, 2014 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: help me help a friend, financially
Replies: 24
Views: 2571

Re: help me help a friend, financially

Given the fact that she lost her job and has also been in debt in the past, she should build up an emergency fund. That is priority number one. Second, you have to help her see that at her age she has to build up more in retirement or she will be trapped into working for too long. Paying off the mor...
by msj16
Sun Oct 05, 2014 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Just need to vent
Replies: 16
Views: 3703

Re: Just need to vent

I have been in that situation too. I feel your pain. I sat down with my mother, father and their advisor, while their advisor said that it was fine for my 75 year old mother and 80 year old father to be invested 100% in stocks because of the "problem" with bonds. She then recommended putti...
by msj16
Mon Sep 29, 2014 2:33 pm
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 24
Views: 2083

Re: Author Advice - Advantages/Disadvantages of Co-author

Thank you everyone for your feedback, petunias - Great questions. I will keep that list handy. mlebuf - I appreciate such valuable, detailed advice. I will approach this more strategically based on this feedback. EmergDoc - Thanks for the feedback from a very successful self-publisher. If only my fa...
by msj16
Wed Sep 24, 2014 7:08 am
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 24
Views: 2083

Re: Author Advice - Advantages/Disadvantages of Co-author

I want to run the written collaboration agreement by a lawyer. If anyone has any recommendation for the type of lawyer I would use (copyright lawyer?, intellectual property lawyer) and then any specific names in the NJ, PA or Manhattan area, I would appreciate it.
by msj16
Wed Sep 24, 2014 7:06 am
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 24
Views: 2083

Re: Author Advice - Advantages/Disadvantages of Co-author

I agree with the posters who said not to expect great sums of money from writing a book. I have written several technical books and in fact my nickname is derived from a compliment I got on one of them. My books were well-liked by their readers but never made much money mostly due to lack of promot...
by msj16
Wed Sep 24, 2014 7:03 am
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 24
Views: 2083

Re: Author Advice - Advantages/Disadvantages of Co-author

Can you directly work with the prospective co-author's agent, without making him a co-author? Victoria Well if it doesn't work out between us to collaborate, I can definitely go to the agent with my own proposal. But my concern is that large publishing houses will not want to publish an unknown aut...
by msj16
Tue Sep 23, 2014 4:42 pm
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 24
Views: 2083

Re: Author Advice - Advantages/Disadvantages of Co-author

Thank you very much. This is incredibly helpful. The co-author would not ever agree to ghost write. He was recently interviewed on national tv and works hard to create a media presence. He has areas of expertise that blend nicely with mine which I believe will make for a better book. We both have ag...
by msj16
Tue Sep 23, 2014 3:25 pm
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 24
Views: 2083

Author Advice - Advantages/Disadvantages of Co-author

Hello, I have an area of expertise (nothing to do with personal finance) which lends itself to writing a book for the general public. I met with a potential co-author today who loves my idea for a book. This individual has written six previous books, has an agent, has great writing skills and bringi...
by msj16
Sun Sep 21, 2014 3:01 pm
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 2708

Re: Air Purifier for Allergies

Thank you Leesbro63 for letting me know. I am about to splurge on an IQ air as well!
by msj16
Sat Sep 20, 2014 8:40 am
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 2708

Re: Air Purifier for Allergies

I am the original poster. I've used the IQAIR for 2 nights and have not sneezed once. Placebo effect? Maybe, I'd think it tough to fake the body into not sneezing. To be fair, I haven't sneezed much during the day either (outside the bedroom), so perhaps the weather is just good for a low allergy t...

Go to advanced search