Search found 601 matches

by Big Dog
Fri Jan 19, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Help Me Spend $900.00 Unused FSA Dollars
Replies: 28
Views: 1263

Re: Help Me Spend $900.00 Unused FSA Dollars

prescription sunglasses?
by Big Dog
Thu Jan 18, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 155
Views: 9379

Re: Stats on When People Take Social Security

You can be lucky like Jimmy Carter, he is now in his 90s, none of his relatives lived beyond 50s. I admit I know nothing about Jimmy's parents, but as you note that it can be advantageous to practice things that increase your life span. (In my case, both parents died before 70, but they both had ch...
by Big Dog
Thu Jan 18, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 155
Views: 9379

Re: Stats on When People Take Social Security

There are some of us who have a valid reason to believe we will not survive to our 80s. The actuarial tables may be valid for the total population, but perhaps not for some who already have chronic diseases. That is absolutely correct. In addition to having a chronic disease yourself, your genes co...
by Big Dog
Wed Jan 17, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Lessons From 2017
Replies: 11
Views: 1608

Re: Larry Swedroe: Lessons From 2017

this is great stuff. Thanks for sharing (and to Larry for continually sharing his knowledge even when it may go against his pocketbook).
by Big Dog
Tue Jan 16, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 155
Views: 9379

Re: Stats on When People Take Social Security

If you live to the average life expectancy for someone your age, you will receive about the same amount in lifetime benefits no matter whether you choose to start receiving benefits at age 62, full retirement age, age 70 or any age in between." In other words, the system is designed so that for tho...
by Big Dog
Sun Jan 14, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2121

Re: Do you correct cashier mistakes?

generally, yes, if I'm paying attention. A simple, "are you sure that is correct?", will get them to re-look the charges.

But my local cheap smog guy always seems to forget the online coupon, until reminded. Maybe its something with oil change/smog artists? :twisted:
by Big Dog
Sat Jan 13, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1688

Re: wireless dead again - router suggestions?

fwiw: I can't recall that we've ever had a router die. (A couple of modems conked out over 20 years, but no routers.). We do turn them off every night - to save a few pennies of electricity. Plus, I know I can't be hacked if the internet is off! That being said, we have upgraded routers over time, j...
by Big Dog
Sat Jan 13, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Renting in NYC for a new college grad. Best practices?
Replies: 23
Views: 1880

Re: Renting in NYC for a new college grad. Best practices?

contact HR at your new company. They might have a list of agents that newbies have used before. (My son started a job in October in Manhattan and coming from out of state, he thought the broker was worth the cost.) At a minimum, you'll need a letter from HR: 'To whom it may concern, this letter conf...
by Big Dog
Sun Jan 07, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Implications of top 1% owning 40% of the Stock Market?
Replies: 16
Views: 1223

Re: Implications of top 1% owning 40% of the Stock Market?

Sadly, the median 401k balance is low, well under $100k. Even worse, its only $111k for those 55-64, so your point is spot-on. Nothing nefarious about the 1% having a lot of their wealth tied up on the market -- where else would they put it? -- the issue is that the middle class is not saving enoug...
by Big Dog
Mon Dec 25, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 249
Views: 34958

Re: Fidelity free Turbotax

Look at the screenshot in this post
Thanks, but I guess I'm not worthy. :(

(My Summary page only shows, balances, market news, asset allocation and a reminder to contribute to an IRA.)
by Big Dog
Mon Dec 25, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2461

Re: Securing Law School Scholarships

For a small application fee and a little extra work, you can apply to other schools that you don't necessarily want to go to and use any scholarship offers they give you as leverage with your target schools. Forget the app fees, send an e-mail to Admissions for any LS that you are interested in, an...
by Big Dog
Mon Dec 25, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 249
Views: 34958

Re: Fidelity free Turbotax

hmw:

may I ask what link you click on to see free TT? The only thing I can find is $20 off. But then I only have IRA's and and ESSP managed by them. No brokerage account.
by Big Dog
Sun Dec 24, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2461

Re: Securing Law School Scholarships

I don’t think you’re going to get much merit aid from the t14. Just not true. The world of law admissions has become a buyers market over the past decade. Depending on the school, ~20% of admits of the T7-T14 receive at least a half-tuiton discount. It's 48% at Northwestern Law (see link below). An...
by Big Dog
Sun Dec 24, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2461

Re: Securing Law School Scholarships

It's been a few years since I took the test and applied for schools. But, my understanding is that a lot of the top schools don't give many merit scholarships and if they do it would be because of some fantastic story or (much more likely) an incredible LSAT score. Things have changed since the '80...
by Big Dog
Sun Dec 24, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2461

Re: Securing Law School Scholarships

deleting duplicate post. (not sure why this is happening...). sorry
by Big Dog
Sun Dec 24, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2461

Re: Securing Law School Scholarships

law school is almost all about two numbers: GPA+LSAT. To enhance your career prospects, attend the highest ranked school that you can afford, i.e., net of merit money. A few extra points on the LSAT would mean a high probability of admission to Harvard Law and/or big merit money at many in the T14. ...
by Big Dog
Sun Dec 24, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan forgiveness
Replies: 12
Views: 1653

Re: Student loan forgiveness

if you can keep the nonprofit thing going, loan forgiveness can be a good deal.

Sure, Congress cna always change the 10-year forgiveness plan, but I would be shocked if they made any changes retro. Most likely, they'd eliminate for new loans.
by Big Dog
Sun Dec 24, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Etiquette of converting to exempt status
Replies: 31
Views: 3434

Re: Etiquette of converting to exempt status

large employers generally have legal counsel that covers labor laws. To change your classification, they'd better have really good documentation, or risk yuuuuge penalties, & backpay.

but a question: how do other hospitals in your state handle positions similar to yours: exempt or nonexempt?
by Big Dog
Sat Dec 23, 2017 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic RMDs to be effected by Vanguard
Replies: 23
Views: 2452

Re: Automatic RMDs to be effected by Vanguard

you should be able to go online and see the transaction pending.

I used the auto RMD service and it ran fine on yesterday, and should post on Tuesday.
by Big Dog
Sat Dec 23, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Bounty or Kirkland brand
Replies: 25
Views: 2174

Re: Bounty or Kirkland brand

Bounty is on sale at Costco next week?
sorry, I should have been more clear. Sale starts Jan 3. (TurboTax also $10 off.)
by Big Dog
Sat Dec 23, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Bounty or Kirkland brand
Replies: 25
Views: 2174

Re: Bounty or Kirkland brand

da' wife much prefers Bounty, but our Costco has been out of stock recently. So we tried the Kirkland house brand. Ok for me, but da' wife still no like. Fortunately, the Bounty will be on sale next week and hopefully in-stock.
by Big Dog
Sat Dec 23, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Medicare Medical Insurance
Replies: 21
Views: 1323

Re: Medicare Medical Insurance

You have perhaps not noticed that you have been prepaying Medicare from each of your paychecks for decades. That's a common misconception. Medicare, like Social Security, is a pay-as-it-goes system. Current workers and employers pay for current beneficiaries. There is no prepayment, or 'lockbox', t...
by Big Dog
Tue Dec 19, 2017 1:15 am
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Target Retirement fund 2035 to 2020
Replies: 14
Views: 1420

Re: Moving Vanguard Target Retirement fund 2035 to 2020

That sounds like a market timing comment. Absolutely, and it may be the exact right thing to do if one had planned to work xx more years and all of a sudden that plan is down to <<<x years. In other words, much less time to be able to rebuild during any market downturn. (Who knows what will happen ...
by Big Dog
Mon Dec 18, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 4162

Re: opinions requested on student college decision / financial related

Jesuit colleges offer a phenomenal education. My D attended one and to my mind, her education was 'better' than her brother's who attended one of the Ancient Eight. If you can afford it -- and it appears that you can -- go for it. But, Klang is correct: on a pure dollars and cents ROI, it won't pan ...
by Big Dog
Fri Dec 15, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 153
Views: 17411

Re: TurboTax Prices

costco normally has $10 off starting Jan 2.
by Big Dog
Thu Dec 07, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15619

Re: Do people still use AAA?

in addition to towing service, AAA also jumps a battery so I can get it in for replacement. (Older car and alternator brushes are getting weak, so I was swapping out the battery every 18 months or so.)

Service time has always been within 30 minutes of call-in.
by Big Dog
Tue Dec 05, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 26770

Re: Why not take Social Security at 62

so how would you know expectancy at 62? I'd say, it's still the same at birth. Oh heck no. Life expectancy at birth includes childhood diseases, teenage death by auto accidents and all kinds of other reasons. But, by definition, once you hit the 20's, you are 100% guaranteed to not die of a childho...
by Big Dog
Sun Dec 03, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: The 4% rule, Firecalc and Human Nature
Replies: 86
Views: 6187

Re: The 4% rule, Firecalc and Human Nature

I am reminded of the new-ish BH member who posted last week that he felt he could come up with a perfect portfolio if he just had an unlimited amount of time to study up on investing... I'd rather spend my time figuring out how I can get to South Florida to go sailing with Taylor. :sharebeer :share...
by Big Dog
Wed Nov 29, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning question (should we add beneficiaries to savings account?)
Replies: 33
Views: 2028

Re: Estate planning question (should we add beneficiaries to savings account?)

Alan S nailed it on the IRAs! I would recommend putting beneficiaries (aka Transfer on Death or Pay on Death) on that savings account, Bingo. The IRA custodian will ask each sister how they want their money: setup a new, IRA in their name or cash out now (and its all taxable). Assuming that the sis...
by Big Dog
Fri Nov 24, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3444

Re: HSA: "Pay out of pocket" vs Withdraw math problem

just started an HSA this year but thinking it really doesn't work for me since I'm two years from retirement. - Put $7500 in, but also had that much in expenses this year. Paid expenses out general after-tax cash flow at first, but then considered what will happen in two years when I retire, and sti...
by Big Dog
Thu Nov 23, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 91
Views: 13983

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

placed my preorder today. Can't wait. (I'd really love an autographed version, but then I'm not worthy since my simple mind is stuck on a 2-fund portfolio. Yeah, I know heresy in parts of South Florida!.)

Thank you, Taylor and Mel.
by Big Dog
Wed Nov 22, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 26770

Re: Why not take Social Security at 62

That is, the rough general idea is that the government calculates Social Security payments in such a way that it is not supposed to matter much to the government when you take Social Security. While perhaps true for 300 million Americans, the numbers for you or the OP can be very different. Those 3...
by Big Dog
Wed Nov 22, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4531

Re: Replace TVs with Smart Tvs or not?

agree with the others. Get a streaming received and plug it in. One thing that I noticed with the smart tv that we purchased ~4 years ago is that the built-in wireless receiver is just not very strong. Very difficult to pick up streaming directly into the TV, at least based on where our router is i ...
by Big Dog
Tue Nov 21, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12342

Re: Help DW gets fired, but then next day her boss offers her job back

I'd ask for a contract, which stipulates if it happens again, they pay her a minimum of xx weeks in severance at the then going pay rate but not less than 75% of prelayoff.
by Big Dog
Sat Nov 18, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: My fafsa has made me an "independent" because I was born before Jan. 1 1995. But im not independent...
Replies: 19
Views: 1586

Re: My fafsa has made me an "independent" because I was born before Jan. 1 1995. But im not independent...

But last year i had the option to "skip" the section about my assets. Herein lies the issue. "your" assets are your assets and should've been reported as such. Regardless, yes, the rules are that you have aged out and are now considered "independent" for fafsa. So you can check the box, skip parent...
by Big Dog
Mon Nov 06, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Employer not offereing HSA. Legal?
Replies: 5
Views: 619

Re: Employer not offereing HSA. Legal?

No, an employer is not obligated to offer anything more than a medical plan approved by ACA (if over 50 employees).
by Big Dog
Sun Nov 05, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 502
Views: 49554

Re: Picking College and College Scholarships

Mudd is a unique experience: top notch math, physical sciences & engineering in a tiny school. But since they are LAC-like, Mudd is also strong in lit/hume courses.
by Big Dog
Sat Nov 04, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: How Best to Clean Inside of Windshield
Replies: 11
Views: 1710

Re: How Best to Clean Inside of Windshield

I use windex and a microfiber towel.

(never understood the newspaper thingy....every time I read a paper my fingers get black with ink. How is it that wetting the newspaper -- even with glass cleaner -- just doesn't spread that wet ink on the glass?)
by Big Dog
Sat Nov 04, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 6105

Re: College student... Financial mess... Need advice...

if you are paying for it, might as well move back in -- or threaten to.
by Big Dog
Sat Nov 04, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: At-fault insurance's estimate different from bodyshop's
Replies: 21
Views: 1250

Re: At-fault insurance's estimate different from bodyshop's

Yes, I informed my insurance first right after the accident, and I chose to claim with the other side's insurance. Fortunately, its been awhile since I had an accident -- really, it was wife, but our insurance handled everything even tho the other person was clearly at fault and was ticketed for an...
by Big Dog
Fri Nov 03, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 12131

Re: Got an iPhoneX

review in today's WSJ -- tech author liked it.
by Big Dog
Fri Nov 03, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: At-fault insurance's estimate different from bodyshop's
Replies: 21
Views: 1250

Re: At-fault insurance's estimate different from bodyshop's

what does your insurance company say? I'd call them -- that's what you pay them for.
by Big Dog
Wed Nov 01, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 422
Views: 32290

Re: To take or not to take delivery of Tesla 3

I guess I am,but then again there is no 35,000 Tesla... Fair enough. And I just listened into the earnings call, and production bottlenecks have slowed the ramp by at least 12 weeks. (But probably longer in Elon time.) But, as I stated up thread, my daily driver is an full deprecated '89 Volvo, so ...
by Big Dog
Wed Nov 01, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 422
Views: 32290

Re: To take or not to take delivery of Tesla 3

18,000 for new 2015 Prius,35,000 for new i3 with some upgrades after tax credit... Great cars, but aren't you mixing prices? For example, the base M3 is $35k before tax credit. Getting back to the original question, at 49K, I suspect I have other options which will make me happier. No doubt that $5...
by Big Dog
Tue Oct 31, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 422
Views: 32290

Re: To take or not to take delivery of Tesla 3

Oh....so only 15,000 more than advertised. The $35k model "should" be along a few months after the long-range model hits the streets. But yes, it ain't available now as is the i3. (But isn't the msrp $42k?) Your i3 won't get me to the airport and back (without stopping to charge) to pickup my kids ...
by Big Dog
Tue Oct 31, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 422
Views: 32290

Re: To take or not to take delivery of Tesla 3

I don't know why anyone would do this for any reason other than being an early adopter or maybe it is a prestige/show off thing in your circle of friends and acquaintances. It makes absolutely no sense from a perspective of economics and practicality. I fashion myself as a Boglehead -- my '89 Volvo...