Search found 230 matches

by Chicago60
Sun Nov 20, 2016 9:03 am
Forum: Local Chapters and Bogleheads Community
Topic: Valuethinker has surpassed 30,000 posts
Replies: 39
Views: 3110

Re: Valuethinker has surpassed 30,000 posts

livesoft wrote:Kudos to Valuethinker. I wish he would post more.

Ha. Indeed. Not many can credibly make that claim.
by Chicago60
Thu Nov 17, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 3144

Re: Strategy for TLH Munis in Taxable?

I bought in July at $14.54, and it closed yesterday at $13.99--a 3.78% drop in under 4 months, with a loss of 2.4% in less than the last two weeks. For a very safe Muni Bond fund, that might be fairly characterized as a killing. But, this is just a portion of my overall portfolio, and my stock paper...
by Chicago60
Sun Nov 13, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: paying medical premium with credit card
Replies: 16
Views: 1269

Re: paying medical premium with credit card

Blue Cross Blue Shield of Illinois stopped accepting credit card payments at some point earlier this year. So, I "prepaid" about 6 months worth of premiums on my credit card to take advantage of the points before the policy change went into effect, but that is no help for my 2017 payments.
by Chicago60
Tue Nov 08, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Investing as an Accredited Investor: Is it worth it?
Replies: 16
Views: 1611

Re: Investing as an Accredited Investor: Is it worth it?

So I am an "accredited investor". Big deal. There are probably another 10,000 or so other Bogleheads in the same category - and I haven't seen many waxing enthusiastic about their crowd-funding deals. Total Stock Market, Total International Stock Market and a variety of bonds funds work f...
by Chicago60
Sat Nov 05, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Health Insurance Premiums for 2017
Replies: 79
Views: 5232

Re: Frustrated with Health Insurance Premiums for 2017

The same goes with doctors. Sometimes people die or aren't healed. Sometimes the doctor did what any reasonable doctor would and still loses the lawsuit. Doctors are no better or different than other professionals. The overwhelming majority are good. But when a doctor, like any professional, errors...
by Chicago60
Sat Nov 05, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Health Insurance Premiums for 2017
Replies: 79
Views: 5232

Re: Frustrated with Health Insurance Premiums for 2017

Humans are all different and can respond differently to drugs and treatments. We can make the trials extremely vigorous. This will take much longer and cost much more. Sure, this is true. And, consequently, no class action would ever be certified by the Court if the basis of the claim is that the d...
by Chicago60
Sat Nov 05, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Health Insurance Premiums for 2017
Replies: 79
Views: 5232

Re: Frustrated with Health Insurance Premiums for 2017

Another reason they are higher is lawsuits. I see commercials for drug/medical device class action lawsuits all the time on TV. If they are advertising, you can bet it is lucrative. You don't have people winning $50 million settlements over approved drugs in Canada or most other countries. I am not...
by Chicago60
Wed Oct 05, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Securities litigation notice
Replies: 14
Views: 1586

Re: Securities litigation notice

Hi Copernicus, I also received the same forms. Looks like for each batch of shares involved, we'll have to provide documents. That's a lot of work. As a comparison, I didn't do any work and received a whopping $2 ($1.74 to be exact) from the Janus lawsuit (for the thousands of dollars I lost under ...
by Chicago60
Tue Oct 04, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Securities litigation notice
Replies: 14
Views: 1586

Re: Securities litigation notice

The Notice is most likely legitimate, but I cannot determine that from what you posted. If you provide the case caption (names of the parties, the case number, and the court where the case is pending--all of which will be on the first page), I can give you a definitive answer. I am wondering whethe...
by Chicago60
Tue Oct 04, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Credit cards that have annual fee's, do you have any?
Replies: 55
Views: 3954

Re: Credit cards that have annual fee's, do you have any?

Can you upgrade to the Reserve card if you have the Preferred? Was there a sign on bonus when you applied? My Preferred card gave me 50,000 points (I believe) when I signed on. Yes, but don't. :) 100k point bonus on the Reserve Wow, that's a lot. Nope, I won't "upgrade". The Reserve card ...
by Chicago60
Tue Oct 04, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Securities litigation notice
Replies: 14
Views: 1586

Re: Securities litigation notice

Received a mailing stating that I should fill out a form to qualify. Can anyone comment on how to assess authenticity of mailing, and whether it is a good idea to send information in the form? Thanks. Details: Pfizer securities litigation settlement c/o Garden city group, LLC in Dublin, OH There ar...
by Chicago60
Sun Sep 25, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: yahoo class action email suit
Replies: 13
Views: 1265

Re: yahoo class action email suit

A case has been filed: Schwartz v. Yahoo Inc., 16-cv-05456 (N.D. Cal.), was filed in the United States District Court for the Northern District of California. You are free to see what damages have been alleged on behalf of the class.
by Chicago60
Sun Sep 25, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Chicago Food/Restaurant Recommendations
Replies: 60
Views: 3681

Re: Chicago Food/Restaurant Recommendations

When you are in Chicago, visit The Second City. They are running a show "The Best of the Second City" with some tickets still available for the 3rd and 8th of October. That would have been my first choice, but it's not available on my preferred date. I'll probably go to see "The Seco...
by Chicago60
Sun Sep 25, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: yahoo class action email suit
Replies: 13
Views: 1265

Re: yahoo class action email suit

OP: I would be surprised if a class action doesn't get filed, if not already filed. Class members have been damaged in innumerable ways. After the lawsuit has been filed, it will take a number of months, more likely longer, for the judge assigned to the case to decide whether, under the circumstance...
by Chicago60
Sun Sep 25, 2016 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Uncovered MF Shares at Vanguard
Replies: 18
Views: 1819

Re: Uncovered MF Shares at Vanguard

OP: If you have copies of your old tax returns, the dollar amounts of reinvested dividends for each fund per year will be listed as you received and reported (and paid taxes) on those amounts. If you decide to sell an entire fund, your total invested amount plus the reinvested dividends totaled for ...
by Chicago60
Thu Sep 22, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: Chicago Food/Restaurant Recommendations
Replies: 60
Views: 3681

Re: Chicago Food/Restaurant Recommendations

There are quite a few Chicago restaurant institutions--Manny's Deli on S. Jefferson Street, Lou Mitchell's on W. Jackson, The Berghoff on Adams, Billy Goat on lower Michigan Ave--that will give you a flavor of what working class and ethnic Chicago was like 50 or 60 years ago, before it became the &...
by Chicago60
Thu Sep 22, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Chicago Food/Restaurant Recommendations
Replies: 60
Views: 3681

Re: Chicago Food/Restaurant Recommendations

Excellent suggestions above, and you cannot go wrong with almost any of them. I could add 50 more in the River North, Streeterville, Gold Coast area, but you really cannot go wrong with the above suggestions. I write for two reasons: If you want deep dish pizza, do not go to Giordano's. The lines ar...
by Chicago60
Fri Sep 09, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Sole Proprietor 401K and Tax Questions
Replies: 9
Views: 771

Re: Sole Proprietor 401K and Tax Questions

Spirit Rider wrote:Wait a minute, what do you mean by this.


What I meant by that is lines 4 and 5 (I think) from Schedule SE of my 1040. I did not, and do not, pay myself W-2 wages. Thanks for the question, and concern.
by Chicago60
Thu Sep 08, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Sole Proprietor 401K and Tax Questions
Replies: 9
Views: 771

Re: Sole Proprietor 401K and Tax Questions

I don't think you will find anything on the IRS website, because there is no difference between a sole proprietor and the individual taxpayer. They are one and the same, for the purposes of a 401k you are both employer and employee. Here is a relevant reference in 401(c)(5) 26 U.S. Code Ā§ 401 - Qua...
by Chicago60
Wed Sep 07, 2016 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sole Proprietor 401K and Tax Questions
Replies: 9
Views: 771

Re: Sole Proprietor 401K and Tax Questions

Thanks, Paddy. That was my assumption, but I could not find an answer on the IRS website, and was hoping for something more authoritative and definitive.
by Chicago60
Wed Sep 07, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Sole Proprietor 401K and Tax Questions
Replies: 9
Views: 771

Sole Proprietor 401K and Tax Questions

This is my first year with a 401K through my sole proprietorship, which I opened solely to take advantage of the ability to contribute to a Roth 401K since I intended to not add to my tax favored accounts, and intended to begin conversions of a sizeable tIRA to a Roth IRA. I now am questioning the w...
by Chicago60
Sat Sep 03, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 2904

Re: Help with potential lawsuit

[ Nope, not settled by any means. I am sorry to inform you but the letter may be meaningless. Your insurance company supposedly did its own investigation and (not surprisingly) concluded the other driver was responsible for the accident (which seems inconsistent with the facts in the opening post--...
by Chicago60
Sat Sep 03, 2016 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 2904

Re: Help with potential lawsuit

You say "everything was settled months ago", but that the other driver is now claiming personal injury. In what way was it "settled?" Did your insurance company pay the other driver for either damage to his vehicle, or his personal injuries, or both? If so, did the insurance com...
by Chicago60
Sat Sep 03, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Unethical to chase transfer bonuses?
Replies: 52
Views: 3876

Re: Unethical to chase transfer bonuses?

Maybe you are old and cheap, but what does that have to do with the ethics of your question? If you are simply complying with the rules provided, I see nothing unethical about moving your investments around to take advantage of bonus offers. These companies know a certain percentage of people will d...
by Chicago60
Sat Sep 03, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 2904

Re: Help with potential lawsuit

You say "everything was settled months ago", but that the other driver is now claiming personal injury. In what way was it "settled?" Did your insurance company pay the other driver for either damage to his vehicle, or his personal injuries, or both? If so, did the insurance comp...
by Chicago60
Fri Sep 02, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Can company convert to auto renewal without your permission?
Replies: 13
Views: 1059

Re: Can company convert to auto renewal without your permission?

Received my yearly bill for service contract for furnace and hot water heater repairs. In past years I always paid with a check. The last few years I've been debating if I should renew or not. This year the renewal letter said "for my convenience" on Oct 1st of each year they will automat...
by Chicago60
Thu Sep 01, 2016 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Retire Early? Roth Conversion?
Replies: 21
Views: 3769

Re: Can I Retire Early? Roth Conversion?

Generally converting your tIRA to a Roth now is not a good idea if your current tax rate is higher than your expected tax rate in retirement.
by Chicago60
Thu Sep 01, 2016 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for kids future
Replies: 10
Views: 914

Re: Investing for kids future

You may want to look into 529 plans for their expected college costs. You can invest their money and you can add to it. Depending on where you live, you may also receive a state tax deduction.
by Chicago60
Mon Aug 29, 2016 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestion for CD
Replies: 5
Views: 653

Re: Suggestion for CD

The best site I know of for CD suggestions is https://www.depositaccounts.com/blog/
You can search for whatever term your heart desires.
by Chicago60
Mon Aug 29, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Selling house to our real estate agent - issues
Replies: 23
Views: 2765

Re: Selling house to our real estate agent - issues

Two Issues here: financial and legal. For the financial, how long was the house on the market before the agent made the offer, and how many showings and offers, if any, were there? It may very well be that the agent's offer is competitive and fair if the house had showings or offers but minimal inte...
by Chicago60
Fri Aug 26, 2016 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Hiring a Family Law / Divorce Attorney
Replies: 6
Views: 714

Re: Hiring a Family Law / Divorce Attorney

What criteria are important when selecting a divorce attorney? ... Does the prestige of the attorney impact the behavior of opposing counsel? For example, if one attorney is head of the local Bar Association might the performance of the other attorney be more deferential? Not in my experience, alth...
by Chicago60
Thu Aug 25, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Receiving refund for product in exchange for giving up right to sue
Replies: 9
Views: 1436

Re: Receiving refund for product in exchange for giving up right to sue

As usual, the lawyers are the only winners. Actually, I think society is the winner. These meritorious class actions act like private attorney generals. If these cases are not filed by lawyers (on a contingency basis), history suggests to me that corporations are much less likely to change their be...
by Chicago60
Thu Aug 25, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion or Tax Gain Harvest?
Replies: 11
Views: 1061

Re: Roth Conversion or Tax Gain Harvest?

Kevin, thanks for those threads and suggested search terms. OP, my circumstances are very similar to yours. I, too, have been unable to reach a definitive determination on the correct approach to minimize taxes, nor have I seen any threads that have answered the question, although many have gracious...
by Chicago60
Tue Aug 23, 2016 7:46 am
Forum: Investing - Theory, News & General
Topic: Update: Emory & Columbia; New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt
Replies: 61
Views: 5351

Re: Update: & Columbia - Re: New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt

I wonder if there's going to be any consolidation. We're now at 9 lawsuits and counting, The lawsuits are filed in multiple jurisdictions so likely not consolidated in the traditional sense. But, the defendants might move that they be MDL'd (Multidistrict Litigation) and assigned to the same judge....
by Chicago60
Mon Aug 22, 2016 5:17 pm
Forum: Investing - Theory, News & General
Topic: Update: Emory & Columbia; New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt
Replies: 61
Views: 5351

Re: Update: & Columbia - Re: New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt

I wonder if there's going to be any consolidation. We're now at 9 lawsuits and counting, The lawsuits are filed in multiple jurisdictions so likely not consolidated in the traditional sense. But, the defendants might move that they be MDL'd (Multidistrict Litigation) and assigned to the same judge.
by Chicago60
Thu Aug 18, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow and Spending in Retirement
Replies: 18
Views: 1248

Re: Cash flow and Spending in Retirement

Depending of course on your circumstances and marginal tax bracket, you may want to sell some of the positions with gains held over a year and tax gain harvest.
by Chicago60
Wed Aug 17, 2016 4:09 pm
Forum: Investing - Theory, News & General
Topic: Update: Emory & Columbia; New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt
Replies: 61
Views: 5351

Re: Update: Emory & Columbia; New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt

Where do I find a lawyer to follow me around the grocery store to make sure I don't pick the wrong foods? And clearly we need to put a stop to online purchasing. How are the guardians supposed to supervise my shopping when it is done from home? I would not be the least surprised to see a suit again...
by Chicago60
Mon Aug 15, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 3668

Re: vacation ideas - October

Fall colors in New England would be quite nice, and I assume you can get there by car (if you do not travel too far east) within your time constraints.
by Chicago60
Mon Aug 15, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: What non-fiction tv shows or movies you like to stream on netflix, hulu ,and amazon?
Replies: 22
Views: 2229

Re: What non-fiction tv shows or movies you like to stream on netflix, hulu ,and amazon?

rec7 wrote:What non-fiction tv shows or movies you like to stream on netflix, hulu ,and amazon?


"Making of a Murderer" meets the requirements of your question and was compelling "TV" on Netflix.
by Chicago60
Mon Aug 15, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 31
Views: 4132

Re: Fidelity Rewards Visa 2% cash back

Anyone use this card? Do you like it? We have used Chase Freedom (now Unlimited) for the last 8 years. We've been happy with the card, the customer service, and the 1.5% cash back. It is the only cc we have, and we thought it might be wise to have a second. We are already Fidelity customers so 2% c...
by Chicago60
Mon Aug 15, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Where to report IRS impersonation scams
Replies: 26
Views: 1866

Re: Where to report IRS impersonation scams

Call your local police immediately. What do you expect some local policeman to do about a phone call from another country? I stand by my response. Your first phone call should be to your local police. They will know how to handle your complaint and escalate as needed. Sorry if you disagree. I disag...
by Chicago60
Mon Aug 15, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 7159

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

I think this question (and many of the responses) is a subliminal Rorschach test revealing the backgrounds and biases of Bogleheads.
by Chicago60
Mon Aug 15, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Advice about a stop in Chicago
Replies: 52
Views: 4662

Re: Advice about a stop in Chicago

Your hotel to Second City (the current show and performers are superb) is almost exactly 1.5 miles and worth it, if you can. They sometimes have tickets available on hottix for half price (plus fees): http://www.hottix.org/ The neighborhood for both the hotel and Second City are completely safe, day...
by Chicago60
Mon Aug 15, 2016 2:29 pm
Forum: Investing - Theory, News & General
Topic: Update: Emory & Columbia; New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt
Replies: 61
Views: 5351

Re: New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt

Where do I find a lawyer to follow me around the grocery store to make sure I don't pick the wrong foods? And clearly we need to put a stop to online purchasing. How are the guardians supposed to supervise my shopping when it is done from home? I would not be the least surprised to see a suit again...
by Chicago60
Wed Aug 10, 2016 12:38 pm
Forum: Investing - Theory, News & General
Topic: Update: Emory & Columbia; New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt
Replies: 61
Views: 5351

Re: New Fiduciary cases, about 403b's at MIT, Yale, & NYU

I personally don't like this at all, assuming that they did offer index funds with ER's below 0.10. This smacks of a law firm finding some cash cows - ones who don't want bad press - to sue and hoping to settle. I think it is sad... Who cares if Fidelity and MIT offered up 370 funds and some of the...
by Chicago60
Tue Aug 09, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: My friend doesn't meet the requirements for a conforming loan.
Replies: 32
Views: 2283

Re: My friend doesn't meet the requirements for a conforming loan.

Maybe she can borrow additional money from family so that the refinancing numbers prove more favorable.
by Chicago60
Tue Aug 09, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: My friend doesn't meet the requirements for a conforming loan.
Replies: 32
Views: 2283

Re: My friend doesn't meet the requirements for a conforming loan.

Does the divorce agreement provide parameters for her to get her ex off the mortgage and obtain a new loan (like a mortgage contingency would)? She should document all efforts she has made, and will make, in getting a new loan, conforming or otherwise. And, she probably should disclose to her divorc...
by Chicago60
Fri Aug 05, 2016 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Is my hypothetical retirement withdrawal plan sound?
Replies: 35
Views: 2921

Re: Is my hypothetical retirement withdrawal plan sound?

OP, this seems to work perfectly and is the very strategy I am working through. My question for you: change the hypothetical and double everything in taxable, basis in taxable, savings, and IRA. How would you determine how much to generate in harvesting gains at 0% taxes each year vs how much to con...

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