Search found 314 matches

by Good Listener
Sun Jul 23, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Simple question on Donor Advised Fund at Vanguard
Replies: 7
Views: 552

Re: Simple question on Donor Advised Fund at Vanguard

Thank you all. I was concerned about that. Not quite a deal breaker but it an attraction.
by Good Listener
Sat Jul 22, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Simple question on Donor Advised Fund at Vanguard
Replies: 7
Views: 552

Simple question on Donor Advised Fund at Vanguard

I like things very simple. If you set up a donor advised fund at Vanguard, does it show up with your other accounts on logon and in your physical statements? Or is it totally separate, inclduing a separate website?
by Good Listener
Sat Jul 22, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 28
Views: 2141

Re: When doing retirement planning, do you count your spouse's savings?

I'm sure glad I didn't after getting divorced twice. Also, if one spouse dies or becomes disabled that can muck up planning as well. I tend to assume the worse.
by Good Listener
Fri Jul 21, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3546

Re: Investing well for Retirement can be frustrating

Of want are you envious? If it is the car or the house, then maybe you should buy it? If not, I repeat, what do you envy? Maybe the OP is envious about being able to brag about something? I'm not sure. But: who says "it's not cool to brag about you portfolio?" Go ahead and do it, it you w...
by Good Listener
Thu Jul 20, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Flying first class/ business......
Replies: 21
Views: 3911

Re: Flying first class/ business......

I will not fly anymore for both safety and annoyance concerns respite hundreds if thousands of free miles. But if i must such as for a funeral or dying sibling, it will only be business or 1st class. Did i say that i hate both the TSA and the airlines? Huh? What does that have to do with the posted...
by Good Listener
Thu Jul 20, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3546

Re: Investing well for Retirement can be frustrating

Of want are you envious? If it is the car or the house, then maybe you should buy it? If not, I repeat, what do you envy?
by Good Listener
Wed Jul 19, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Flying first class/ business......
Replies: 21
Views: 3911

Re: Flying first class/ business......

I will not fly anymore for both safety and annoyance concerns despite hundreds if thousands of free miles. But if I must such as for a funeral or dying sibling, it will only be business or 1st class. Did i say that I hate both the TSA and the airlines?
by Good Listener
Tue Jul 18, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Dilemma about car dealership service bill error
Replies: 29
Views: 2273

Re: Dilemma about car dealership service bill error

I would pay them. It is clear you got the parts for free. I would not go in to pay it but simply charge it to your credit card. To not pay, you will have taken advantage of somebody's error.
by Good Listener
Sun Jul 16, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: First RMD
Replies: 1
Views: 351

First RMD

I hope I articulate this clearly. I am several years away from RMDs but am doing some tax planning. I am in the process of converting my tIRA (pre-tax) to a Roth to the top of a bracket. I probably won't be able to get it all done by the time I have to take RMDs. I know one must take the 1st RMD in ...
by Good Listener
Mon Jul 10, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - increase in compensation but also much longer commute
Replies: 25
Views: 1836

Re: Job opportunity - increase in compensation but also much longer commute

I wouldn't take it unless you can work from home at least 1 or 2 days a week. The commute will grate on you from day 1 and probably costs several thousand a year and require a new car soon
.
by Good Listener
Mon Jul 03, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to dispute/correct IRS bill
Replies: 17
Views: 1445

Re: Best way to dispute/correct IRS bill

Pay it and be done with it. We see the error that happened. I would not dare call and speak to anybody.
by Good Listener
Fri Jun 30, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 2761

Re: Amazon Echo vs. Google Home: which to get?

I want to get to Google home but I'm worried about a few things. First if I say OK Google now both my phone and tablet go off.. Sometimes saying the exact same thing. also for some reason the Android has now taken the shopping list and put in the cloud as opposed to on the phone.
by Good Listener
Fri Jun 30, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to change banking and credit card periods to end of month?
Replies: 12
Views: 804

Re: How to change banking and credit card periods to end of month?

First-hand experience in the last week. I have 2 Chase Visa cards. One is unlimited rewards and one is Amazon. I have now had both of them set so that the due date is the 26th and the closing date is the 1st. There is a 25-day delta in there. You can do that with a phone call.
by Good Listener
Fri Jun 30, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Food processor advice & finger shields
Replies: 4
Views: 324

Food processor advice & finger shields

After my sucesssful poaching of the chicken I have become quite the chef at age 64. Anyway in dicing and slicing potatoes and vegetables the other day I nearly caught off the fleshy part of my left thumb, but there's enough there that with 7 stitches it looks like it won't take forever to heal. I wi...
by Good Listener
Sun Jun 25, 2017 12:27 pm
Forum: Forum Issues and Administration
Topic: Getting notified about a thread
Replies: 6
Views: 403

Re: Getting notified about a thread

Yay. Thank you. For the web people, he is quite right that the box is checked but then when you click on it it then indicates that you will be subscribed. It is counterintuitive but at least it worked.
by Good Listener
Sun Jun 25, 2017 12:14 pm
Forum: Forum Issues and Administration
Topic: Getting notified about a thread
Replies: 6
Views: 403

Getting notified about a thread

There is one thread that I am quite interested in that will only have sporadic additions. It is the online virtual boglehead meeting group, which just had its first meeting last week. It should be great and I hope others join. :sharebeer So new posts will be critical as they will announce times and ...
by Good Listener
Fri Jun 23, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: 529 Non-Qualified Earning Distribution: Why Income Tax And Not Capital Gains Tax?
Replies: 7
Views: 592

Re: 529 Non-Qualified Earning Distribution: Why Income Tax And Not Capital Gains Tax?

I will answer but it is an embarrassing answer. Because that is what the tax code says. Do not look for rationale in it.
by Good Listener
Fri Jun 23, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: HP Laptop - Black Screen - Help
Replies: 14
Views: 959

Re: HP Laptop - Black Screen - Help

This may be what I call the death screen. You may have to restore to original specifications if you have a boot up disk. Otherwise head to Best Buy or Costco and spend a few hundred dollars and replace it. I hate when that happens. I feel for you.
by Good Listener
Fri Jun 23, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4213

Re: Poaching chicken

Project done. This morning I received a $40 new non-stick 10 quart 6 inch tall pot from Amazon. It is red which is my favorite color. I cooked them all up, and it worked out fine. I did cheat and have a neighbor of mine come in and supervise. But the item is now delivered to the salad maker lady. I ...
by Good Listener
Thu Jun 22, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4213

Re: Poaching chicken

I have to politely ask, why did you as a vegetarian agree to cook a meat dish? I have been a veggie for 20 years and personally I would not agree to cook something I'd a) have no recent experience cooking and b) be unwilling to taste. :) Else, that is easy. I was stupid for accepting this entire as...
by Good Listener
Tue Jun 20, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4213

Re: Poaching chicken

Final summary. Cheated a little. My cleaning lady was here today and she is or Central American origin and is great at cooking. She stayed an extra 2 hours with me to help me.(I paid her extra a lot.). It was poached in my spaghetti pot and there was no problem. I am glad you're all not worried. I t...
by Good Listener
Mon Jun 19, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4213

Re: Poaching chicken

Forget cooking them. Buy the cooked rotisserie chicken meat they have at Costco the same day and repackage them. They will already be shredded and the salad person can just toss them in. If asked, just fess up that you are vegetarian and have never cooked chicken. Poaching a single chicken breast i...
by Good Listener
Mon Jun 19, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: NYC coop
Replies: 12
Views: 1279

Re: NYC coop

If she is selling to move in with you, maybe change those plans and live there? Also, what about renting? Do the CC&R's prevent that? I am a little shocked to see that the board can approve/deny buyers. Seems like it opens up the door for discrimination and fair housing laws. How is her credit?...
by Good Listener
Mon Jun 19, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce and My IRA
Replies: 21
Views: 4567

Re: Divorce and My IRA

Stop. Stop. Do not do anything. If it is decided that the account will be split, the divorce document signed by the judge will indicate so. Then it will simply be split into 2 by the custodian. But community property does not mean everything is split exactly. That is, you don't each get half the fol...
by Good Listener
Sun Jun 18, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4213

Re: Poaching chicken

Your folks are great. Thank you. I will report on the results.
by Good Listener
Sat Jun 17, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4213

Re: Poaching chicken

I like livestock's suggestion to try 1 and I will in a small pot. I'm so sorry to make fund of what you said, but this is the funniest name mistake I've seen in a long time. Mooo..... :D :D :D And that is what Android does on occasion. I need to check better. The delivery will be in real time to th...
by Good Listener
Sat Jun 17, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4213

Re: Poaching chicken

Thanks all. They asked me to do it plain because it will Then be handed off to a lady making chicken salad and she will permit nobody else to season it. I like livestock's suggestion to try 1 and I will in a small pot. However, in typical Bogleheads fashion, the thread drifted from size to other mat...
by Good Listener
Sat Jun 17, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4213

Poaching chicken

I feel like a fool asking this...as a 60 something vegetarian man I can honestly say that I have never made chicken. Like a fool, instead of taking the easy way out and just donating cash for a charitable event, I volunteered to cook something. So I was assigned to do poached chicken breasts, totall...
by Good Listener
Sat Jun 17, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17637

Re: Siblings in disagreement over mom's house.

To me, ultimately I weigh the greatest risk. That is not a foreclosure or the house burning down or having it deteriorate in value. It is the jon-insurance. If it were me, I would not go one day longer without beginning to get out ofany ownership of this property. I would go to a lawyer, not necessa...
by Good Listener
Thu Jun 15, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?
Replies: 33
Views: 1872

Re: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?

Planning must recognize that the pension is not guaranteed, but rather promised. And promises have and will be broken depending on the state or municipality. For example, NJ, my state, has no possibility of meeting it's promises and Illinois less than that.
by Good Listener
Thu Jun 15, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.
Replies: 50
Views: 7771

Re: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.

I would refer her to Vanguard, maybe use PAS there, and move on. Unless you are a financial advisor working pro Bono or for a fee, a person with a friend as an advisor is in a bad spot without recourse.
by Good Listener
Wed Jun 14, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Bought $31K Stocks Today: Am I Mad?
Replies: 32
Views: 3697

Re: Bought $31K Stocks Today: Am I Mad?

Well, since two weeks ago you had a target allocation of 90% equities and was sitting at 77% equities, 3 days later you were thinking of going to 50% equities and now you are telling us you needed to buy $31k (about 5% of your total portfolio) to get back to 75% equities I'd say you might be mad, c...
by Good Listener
Wed Jun 14, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Rollout Begins for Person-to-Person Digital Payments Backed by Banks
Replies: 25
Views: 2447

Re: Rollout Begins for Person-to-Person Digital Payments Backed by Banks

Dumb question. Isn't this what I do with Chase Quick Pay now?
by Good Listener
Fri Jun 09, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Persistence Of The Value Premium
Replies: 47
Views: 5022

Re: Larry Swedroe: Persistence Of The Value Premium

I've always considered it "nonsense". If it was truly a premium the people with the wherewithal and smarts would have arbitraged it away already, long ago.
by Good Listener
Fri Jun 09, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Handshake Deal for Home Purchase
Replies: 13
Views: 2038

Re: Handshake Deal for Home Purchase

Are you kidding? You could die too or change your mind, as could he. This is no different than any other real estate deal. Just do a contract for Sept 1 closing.
by Good Listener
Fri Jun 09, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Is Inflation Dying of Old Age?
Replies: 82
Views: 7080

Re: Is Inflation Dying of Old Age?

Correlations aren't indicative of causality necessarily. Can you explain why a tightening labor force would lead to a decline in inflation as opposed to the opposite?
by Good Listener
Mon Jun 05, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to recover cost basis of Roth IRA?
Replies: 15
Views: 1270

Re: How to recover cost basis of Roth IRA?

I think you better call Vanguard. There is something very wrong here. Unless they are dead, in which case your parents didn't knowingly transfer it to you, I do not believe any type of IRA can be transferred to another person. How Vanguard allowed this to happen is beyond me.
by Good Listener
Thu Jun 01, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: avoiding spam?
Replies: 8
Views: 527

Re: avoiding spam?

gips wrote:you never get spam in your inbox? or you never get spam in your spam folder?


I don't know if I ever get it in my spam. Good point. Never in my inbox.
by Good Listener
Thu Jun 01, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Please critique my attorney's suggestions..
Replies: 28
Views: 4374

Re: Please critique my attorney's suggestions..

I have all the documents. But if you have beneficiaries or POD on everything, you are in good shape, as I now do except on my body parts!!! If not, like a home, then the will will take control. I think you lucked out and got a good lawyer.
by Good Listener
Thu Jun 01, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Choosing Renewable Energy From My Electricity Supplier
Replies: 14
Views: 841

Re: Choosing Renewable Energy From My Electricity Supplier

I suspect there is a good heart to this but everything is fungible. It's not like because you sign up for this that there will suddenly be more green energy produced. In other words, it's nonsense.
by Good Listener
Thu Jun 01, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: avoiding spam?
Replies: 8
Views: 527

Re: avoiding spam?

I switched to Gmail from yahoo 2 years ago. I NEVER get any spam, NEVER.
by Good Listener
Thu Jun 01, 2017 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market? :Bonds in rising interest rate environment
Replies: 22
Views: 2170

Re: Timing the market? :Bonds in rising interest rate environment

I only know that everybody is talking about a rising rate market...as they've done for the last 10 years.
by Good Listener
Wed May 31, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Wire fee charged by receiving bank.
Replies: 28
Views: 2667

Re: Wire fee charged by receiving bank.

I've been in similar situations, and this one strongly rubs me the wrong way too. BoA's move here is that of a jerk. But my experience has been that it's very difficult to resolve this the "right way" especially when Schwab views this as a customer satisfaction issue and not one of princi...
by Good Listener
Tue May 30, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: How best to care for someone who frequently falls
Replies: 32
Views: 2678

Re: How best to care for someone who frequently falls

Jack FFR1846 wrote:Assisted living facility? While not cheap, seems appropriate given the situation

Absolutely. Otherwise you will be looking at a hip fracture within a few months. And if the spouse is able to try to stop him going down, possibly 2 hip fractures or a concussion for her.
by Good Listener
Tue May 30, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 17
Views: 1088

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

neilpilot wrote:There's only one thing sadder than taking the time to post, asking Bogelheads if the $2.50/yr savings is worth the 2-year option.

That's the time I wasted reading the thread and posting this comment :D


Indeed. The cost of my coffee today.
by Good Listener
Sat May 27, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: Why are capital gains taxed lower than div/interest?
Replies: 20
Views: 1529

Re: Why are capital gains taxed lower than div/interest?

Why are one or two people politicizing this and risking having the thread shut down. The reason for the preferential rate is because one takes risk investing in a stock, far more than a bond and infinitely more than a treasury security or FDIC insured bank account. So the person gets compensated for...
by Good Listener
Sat May 27, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: The joy of Saving!
Replies: 7
Views: 1566

Re: The joy of Saving!

I'm not quite sure you'd have access to a safe in a bank if a bad power shortage occurs.. if you mean a home safe, that's different. You can also just hide it somewhere in the house.

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