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Re: St. Louis Chapter 2012+

I would also like to attend local events, and don't want to be a coordinator. So, since we lack a coordinator (which is OK), perhaps we should brainstorm what kind of event/locale would work for a get-together. I'm not even sure where to start! What do St. Louis Bogleheads think would be a good kind...
by verbose
Sat Apr 06, 2013 9:52 am
 
Forum: Local Chapters and Bogleheads Community
Topic: St. Louis Chapter 2012+
Replies: 29
Views: 3812

Re: Pay a speeding ticket or plead to non moving

I agree about the driving habits. I've received one ticket in my life, and it wasn't for speeding. However, when my husband is pulled over, he gets a ticket 100% of the time. I've been pulled over for valid reasons probably ten times in my life. I don't cry or anything... I just don't get a ticket.
by verbose
Fri Jan 25, 2013 9:06 am
 
Forum: Personal Consumer Issues
Topic: Pay a speeding ticket or plead to non moving
Replies: 42
Views: 2882

Pay a speeding ticket or plead to non moving

I'm wondering how I should pay a speeding ticket. I have two choices: 1) Pay $135, get points on the license, and have an auto insurance increase of unknown quantity 2) Pay $120 to a lawyer plus about $315 in fines, no points, no insurance rate increase My husband usually gets about one ticket a yea...
by verbose
Fri Jan 25, 2013 12:06 am
 
Forum: Personal Consumer Issues
Topic: Pay a speeding ticket or plead to non moving
Replies: 42
Views: 2882

Re: Hardie or Certainteed Fiber Cement Siding?

My Certainteed is from 2007. Most of the people I know with cracked siding have siding from 2004-2008. We had a bit of a lull in building from 2008 -2011 while the builder went bankrupt. I'm not sure what material they're using on the latest new homes. It may not even be from the same manufacturer.
by verbose
Thu Sep 20, 2012 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Hardie or Certainteed Fiber Cement Siding?
Replies: 13
Views: 5406

Re: Hardie or Certainteed Fiber Cement Siding?

I second the point about installation by qualified contractors. The first batch of houses sided in our neighborhood had more issues, and sooner, due to improper installation. The builder learned, and now we just have issues with the Certainteed material.
by verbose
Thu Sep 20, 2012 11:46 am
 
Forum: Personal Consumer Issues
Topic: Hardie or Certainteed Fiber Cement Siding?
Replies: 13
Views: 5406

Re: Hardie or Certainteed Fiber Cement Siding?

Certainteed siding is on my house and a couple hundred other homes in my neighborhood built by the same developer. After a few years (conveniently past the full coverage warranty period) the siding will crack. On my house, the side of the house that faces the most sun is cracked all over, while the ...
by verbose
Thu Sep 20, 2012 7:32 am
 
Forum: Personal Consumer Issues
Topic: Hardie or Certainteed Fiber Cement Siding?
Replies: 13
Views: 5406

Re: My 401K fee disclosure was released today...

Husband and I have same employer, same 401k through The Standard. I wasn't terribly surprised because it's a small company. We pay 69 bps on top of every expense ratio. There are some very low fund ERs in the 401k, such as Vanguard 500 Index Signal at 5 bps, which becomes 74 bps. I already knew the ...
by verbose
Fri Aug 31, 2012 7:38 am
 
Forum: Investing - Help with Personal Investments
Topic: My 401K fee disclosure was released today...
Replies: 26
Views: 2337

Re: health insurance "hospital" billing question

OP, you have been tricked, either by the physical therapy office, hospital billing or the insurance company. I haven't figured out which one is responsible, but somebody needed to say something to you about billing, and didn't. This has happened to me. A family member was receiving regular physical ...
by verbose
Thu Aug 16, 2012 10:52 pm
 
Forum: Personal Consumer Issues
Topic: health insurance "hospital" billing question
Replies: 42
Views: 3770

Re: When it is advantageous to convert to a Roth IRA?

Thanks for the replies. I've had rollover funds in TIRAs since the mid-90s. There's no way we can predict how long either of us will work for the current employer. It's a much better situation than our last few jobs, and could be many years. I'm not willing to roll into an expensive 401k just for th...
by verbose
Tue Aug 14, 2012 7:48 am
 
Forum: Investing - Help with Personal Investments
Topic: When it is advantageous to convert to a Roth IRA?
Replies: 17
Views: 2191

When it is advantageous to convert to a Roth IRA?

I've been thinking for years that we should have some of our retirement assets in Roth IRAs, but it never works out. I wonder when it's best to convert existing IRAs? We are both programmers who switch jobs frequently, so most of our retirement savings are in TIRAs that have been funded by 401k roll...
by verbose
Sat Aug 11, 2012 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: When it is advantageous to convert to a Roth IRA?
Replies: 17
Views: 2191

Re: Adopting an adult dog

We adopted a five year old Labrador Retriever as our first dog. She was already trained and socialized (including kids and cats), though we had no idea. Being a typical Lab, she adjusted to our family within 24 hours. She has never chewed up our possessions. Until she reached age 12, we didn't have ...
by verbose
Fri Jul 20, 2012 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Adopting an adult dog
Replies: 42
Views: 5564

Re: Elementary private school education a scam??

Perhaps a better question for this thread (and less likely to get it locked), would be: Do you or did you send your children to private elementary school? Why, how did it turn out and what did it cost? That information may be more useful for parents of very young children and future parents. My chil...
by verbose
Thu Jul 12, 2012 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Is elementary private school education worth the price?
Replies: 104
Views: 7370

Re: Post your AA

Age: 39
Aggregate US Equities (sans REIT): 40%
Aggregate US REIT: 10%
Aggregate Intl Equities (sans REIT): 20%
Aggregate Intl REIT: 0%
Aggregate Nominal Bonds: 25%
Aggregate Inflation Bonds: 5%
Any Sector or Commodity plays: 0%
by verbose
Tue Jul 10, 2012 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Post your AA
Replies: 135
Views: 15600

Re: IT job satisfaction

My husband and I are both in IT and we are both job-hoppers. I don't know how else we'd keep our careers going. The hardest thing about it are the benefits. Staffing and consulting firms have horrible benefits, probably just a step above those for retail workers. Almost every 401k we've had consiste...
by verbose
Thu Jun 21, 2012 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: IT job satisfaction
Replies: 54
Views: 6300

Re: Help with some financial basics - new to this site

1- Save a small emergency fund 2- Save $4000 3- Sell the car, use the $4k to pay the difference You're paying about $500/month for a car that you don't need and can't afford. The decision to buy it is in the past, but every day it's not for sale, you make the decision to keep it. When you need a car...
by verbose
Tue May 22, 2012 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with some financial basics - new to this site
Replies: 34
Views: 1510

Re: Investing UGMA money

My 10-year-old kid has a UGMA in Vanguard LifeStrategy Moderate Growth (VSMGX). At some point in the coming years, I will move these funds to the conservative, then the income LifeStrategy funds. See the link below for more on these funds: https://personal.vanguard.com/us/funds/vanguard/LifeStrategy...
by verbose
Sat May 12, 2012 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing UGMA money
Replies: 2
Views: 261

Re: Are you preparing the increase in taxes for 2013?

The AMT patch has already expired for 2012. I have a tax forecast spreadsheet set up for 2012. If I use the AMT exemption that is currently law ($45,000 for joint), then we will owe $6114 in April 2013. If I use the AMT exemption from 2011 ($74,450 for joint), then we get a refund of $182. So, shoul...
by verbose
Sat Apr 28, 2012 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How are you preparing the increase in taxes for 2013?
Replies: 56
Views: 4886

Re: Strange IRS Letter

In some cases, you can leave certain fields blank and the IRS will figure your tax for you, and send you a bill or a refund. I don't know if there's a difference between zero and blank when entered in the IRS computers, thus the IRS might have figured this return needed to have tax calculated for it...
by verbose
Mon Apr 23, 2012 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strange IRS Letter
Replies: 5
Views: 1108

Re: Your Dumbest Financial Move

Dumbest financial moves, roughly in chronological order: - Throwing away a full-ride 4-year scholarship to a private university after 2 years because I was more interested in boys than college. - Not carrying collision/comp on a car that was a gift that we couldn't afford to replace, and being too p...
by verbose
Mon Apr 16, 2012 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Dumbest Financial Move
Replies: 166
Views: 13142

Re: Why does anyone use American Express?

I cancelled AMEX a few years ago. We were getting ready to close on a new house, so there was a lot of money moving between our accounts. I attempted to pay the AMEX bill from a money market savings using ACH, rather than wait for the transfer to checking to clear (different banks). The money market...
by verbose
Wed Mar 28, 2012 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Why does anyone use American Express?
Replies: 105
Views: 14740

Re: Indoor TV Antennas?

We live on the edge of a large metro area, so an indoor antenna didn't work for us. Instead, we installed an outdoor antenna in the attic. It's in the attic for two reasons: 1) Midwestern storms would probably take it down every couple of years and 2) although federal law gives us the right to put i...
by verbose
Mon Mar 26, 2012 7:35 am
 
Forum: Personal Consumer Issues
Topic: Indoor TV Antennas?
Replies: 26
Views: 2287

Re: Repair or replace car?

I fell in love with my '85 Accord. I miss that car. It was rusting, the interior was crumbling, the dash vents didn't work, both bumpers were crooked (replaced several times), paint was faded on one side (other side repainted in repair) and it needed an alignment with every oil change. Yet, I feel I...
by verbose
Wed Mar 21, 2012 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Repair or replace car?
Replies: 25
Views: 1974

Re: What are some profitable careers?

Software engineering. Requires no graduate school (even college is optional). Starting pay in the major cities is around $120k (salary + bonus + equity), but could be more if you are lucky (you join a startup and it does well) or good (raises + bigger bonuses), and will go up as your equity refresh...
by verbose
Sat Mar 17, 2012 10:48 am
 
Forum: Personal Consumer Issues
Topic: What are some profitable careers?
Replies: 140
Views: 7957

Re: Not good places for emergency funds : CapOne, Amex

I am also trying to refinance, and I'm closing my ING Direct account after it's all over. The underwriters wanted a statement of account activity in the middle of the month. ING doesn't do that--it's simply not available. The closing has now been delayed. I'm still waiting for the February statement...
by verbose
Fri Mar 02, 2012 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not good places for emergency funds : CapOne, Amex
Replies: 47
Views: 4573

Re: Poll: Cost of cheapest option in your 401K/403B/457/etc.

I don't know the total cost of my 401k choices. I work for a contract company that provides workers to clients who don't want the expense of hiring employees. My 401k is with John Hancock. I know that all the options include a .5% management fee on top of the expense ratio. I also know that the comm...
by verbose
Sat Feb 11, 2012 10:29 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Cost of cheapest option in your 401K/403B/457/etc.?
Replies: 27
Views: 1428

Re: Many Sad Stories of the Downwardly Mobile

Maybe it's just the article's framing, but it seems like it's time for these families to stop idealizing the past. They are anchoring on past earnings. The family waiting to be foreclosed on must be living with an incredible emotional burden. I wonder if it would help them to sell almost everything ...
by verbose
Sun Feb 05, 2012 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Many Sad Stories of the Downwardly Mobile
Replies: 42
Views: 2489

Re: how often do u write checks?

I wrote 152 checks in the last half of 2011. Extrapolated to the entire year, that's 304 checks per year. Private school, cleaning service, Girl Scouts, hairdressers, home repair/improvement, and charity accounts for most of it. Then there are the services that charge for online payment but accept a...
by verbose
Thu Feb 02, 2012 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: how often do u write checks?
Replies: 79
Views: 3955

Re: Capital Loss Carryover from 2008 thru 2011

My minor daughter is carrying over a long-term capital loss. Her only income (dividends) is always well below the standard deduction (for dependents) of $950. The long-term carryover amount will remain the same year to year until she has long-term capital gains to offset it or until her other income...
by verbose
Thu Feb 02, 2012 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Capital Loss Carryover from 2008 thru 2011
Replies: 9
Views: 891

Re: Car exterior maintenance (washing, waxing, etc) [poll]

I find that my cars need more inside washing than outside washing. I have kids and when we're on the run we just toss the Happy Meals in the backseat. It gets ugly very quickly. So about every 4 - 6 months I take a really filthy car to a full-service car wash where they do the inside and outside. I ...
by verbose
Sat Jan 28, 2012 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car exterior maintenance (washing, waxing, etc) [poll]
Replies: 50
Views: 3504

Re: Number of State Allowances to Claim for Zero Withholding

I think you're on the right track by claiming so many allowances. My husband's Missouri allowances are set at 23. We do owe Missouri tax, but our Missouri itemized deductions are about four times the Missouri standard deduction. This year, the withholding has worked out well: refund from Missouri of...
by verbose
Sun Jan 15, 2012 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Number of State Allowances to Claim for Zero Withholding
Replies: 4
Views: 385

Re: Can Adele Sing?

I hate her voice. It's made worse by DJ's raving about it.

I sing in a chorus. That kind of singing has no place in choral music. I'm sure that's part of my issue.
by verbose
Tue Jan 10, 2012 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Can Adele Sing?
Replies: 56
Views: 3847

Re: Question for Obstructionist Drivers

I suppose I'm an obstructionist. Congested urban highways with left lane exits make the passing lane academic. During rural drives, I am very good about passing properly. I will avoid being tailgated at all costs, except I never speed up. That would drive the anxiety of being tailgated even higher. ...
by verbose
Tue Jan 10, 2012 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Question for Obstructionist Drivers
Replies: 171
Views: 6101

Re: Recovering Debtor/New Investor Help

When getting out of PMI, watch the loan terms carefully. When I last refinanced in 2009, I had a first and second. The bank wanted to combine them and charge me PMI on the refinance. The terms were such that I could not apply to have PMI removed until after I'd had the loan for 3 years, regardless o...
by verbose
Sat Dec 17, 2011 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Recovering Debtor/New Investor Help
Replies: 44
Views: 2239

Re: Total Insanity--sport star compensation

Baseball (and most other pro sports) is not completely free market because of the barriers to the entry of new teams. MLB controls the number of teams. Cities pay for stadiums to compete for one of the limited teams. Artificially restricting the supply of teams keeps the prices high. Imagine basebal...
by verbose
Fri Dec 09, 2011 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Total Insanity--sport star compensation
Replies: 148
Views: 5294

Re: Do you think most kids are brats?

I used to believe that poor parenting explained all brats over the age of 3. Then we had a second child... As parents of a brat, I can tell you that certain members of the public make our job very hard. They approach our child when he's tantruming or pouting, and attempt to soothe him (validates the...
by verbose
Tue Dec 06, 2011 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Do you think most kids are brats?
Replies: 114
Views: 5988

Re: Keeping store receipts - an addiction?

I reconcile my accounts every morning while I drink my coffee. As soon as I enter a receipt, I determine whether to keep it. If it's for consumables (groceries, gas, restaurants) then I throw it away upon entering the receipt. I used to wait until a receipt posted to the account, but I stopped doing...
by verbose
Mon Nov 07, 2011 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keeping store receipts - an addiction?
Replies: 23
Views: 1390

Re: Costs of Full-Service Movers?

We moved interstate once. The company's moving allowance covered only specific moving expenses, and the basic move was going to be far less than the allowance. So I had the movers provide boxes and pack everything. That was a great move...
by verbose
Fri Oct 28, 2011 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Costs of Full-Service Movers?
Replies: 30
Views: 1812

Re: Money and in-laws

Abraham Lincoln faced a similar dilemma. His letter is worth reading in its entirety, and still quite applicable today.

http://www.quotablelincoln.com/LincolnLetters.html
by verbose
Tue Oct 25, 2011 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money and in-laws
Replies: 59
Views: 6302

Re: Medallion Problem

In some cases, Vanguard does require a Medallion guarantee. My husband has paper stock certificates (they were a gift) and he wanted to transfer them into a Vanguard brokerage account. For this type of transfer, Medallion is required. We attempted to obtain a Medallion guarantee from our bank, but o...
by verbose
Tue Oct 25, 2011 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Medallion Problem
Replies: 21
Views: 2878

My neighborhood has had a few intense discussions of this topic. We have new homes, small lawns, lots of dogs, and the builder planted only Kentucky Bluegrass. Certain grass types are highly susceptible to damage from dog urine and Kentucky bluegrass is one. These strategies will reduce lawn spottin...
by verbose
Fri Oct 14, 2011 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dog marking lawn
Replies: 17
Views: 1195

How to minimize cost of airfare for Thanksgiving

My family of four has agreed that we will spend Thanksgiving with my brother-in-law's family in Maine. We live in Missouri. I haven't purchased airfare yet because I am so shocked at the prices that I yell at the computer and close the browser. I'm trying to figure out a way to get to Maine, for Tha...
by verbose
Wed Aug 31, 2011 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to minimize cost of airfare for Thanksgiving
Replies: 30
Views: 3202

Dave Ramsey recommends Churchill Mortgage for applicants who have no credit history because they've taken on little or no debt.

http://www.churchillmortgage.com/dave/

I haven't used them myself. But it may be worth a try.
by verbose
Wed Aug 24, 2011 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do about lack of credit history?
Replies: 5
Views: 719

All other investments are mutual funds, but husband received a birthday gift of Apple (AAPL) in 2001. Cost basis: ~ $75. Value today: ~ $3K
by verbose
Wed Aug 24, 2011 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Individual Stocks
Replies: 34
Views: 3453

Advertising also plays a large role in poor food choices, especially if children are allowed to make food purchase decisions. Time is also a huge factor, for all families with little kids, even those who are well-off. In our family, there are two working parents and two long commutes. We get home ar...
by verbose
Sat Aug 20, 2011 10:39 am
 
Forum: Personal Consumer Issues
Topic: Cost of eating a healthful diet
Replies: 174
Views: 13748

I looked up my own neighborhood in the neighborhood scout link OP included. The name of the "neighborhood" was nothing I'd heard before. The neighborhood area covers several subdivisions, trailer parks, farmland, industrial sites, and a new urban development. I live in said new urban devel...
by verbose
Mon Aug 01, 2011 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Finding Good Neighborhood
Replies: 49
Views: 4453

My parents never banned books, but there was one incident. My dad gave me his copy of Clan of the Cave Bear to read, when I was in high school. Then he read the next one, Valley of Horses, which was gratuitously sexual. My father then told me that he wasn't going to give me any more books in this se...
by verbose
Wed Jun 08, 2011 7:37 am
 
Forum: Personal Consumer Issues
Topic: Book banning (restrictions) by parents (for their kids)
Replies: 67
Views: 4385

I'm a contractor and get paid hourly. If I'm not there, I'm not paid. I lost a contracting position that was about to go permanent because I was sick with a virus (102 fever for a week), and my kids got sick after me (for a total of about 9 sick days). Since they didn't want to admit their reasoning...
by verbose
Sat May 28, 2011 9:27 am
 
Forum: Personal Consumer Issues
Topic: workplace/children question
Replies: 18
Views: 1613

We bought a 2000 VW New Beetle. It was a lemon. The power train worked beautifully, but other stuff just fell apart. When we drove it off the lot, the horn didn't work. My husband discovered this on his first drive, when a truck tried to change lanes into him and no horn sounded. Under the standard ...
by verbose
Thu May 26, 2011 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 39
Views: 4769

Type A Type B is impossible for me. I'd end up stuck--too close to a nearby car to back up or move forward, and looking for a compassionate passerby who happens to be a competent parker to please get my car out of this jam. (The passerby who helps is always male, and older than me. I know this becau...
by verbose
Thu May 26, 2011 10:35 pm
 
Forum: Personal Consumer Issues
Topic: What Is Your Parking Lot Parking Style?
Replies: 56
Views: 4314

Sorry about your job. I'll attempt to provide some info on your first question, no idea about the second. It's usually a good idea to roll over 401k funds, rather than leave them with a former employer's plan. Even if expenses were similar (and they're probably not), the employer plan is managed thr...
by verbose
Thu May 26, 2011 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Laid Off Tuesday.
Replies: 20
Views: 4046
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