Search found 346 matches

by Good Listener
Fri Sep 22, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 18
Views: 597

Re: Asking for no wedding gifts

I did that for my second wedding. We told people that if they wanted to give me something, that a contribution to Charity X would be what we would request. And the charity reported to me quite a bit of donations in honor of our marriage and provided a list of the names so that we could send thank yo...
by Good Listener
Fri Sep 15, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2301

Re: blood pressure monitor recommendations?

I use the Omron. And when I go to shoprite I use the machine by Higi. Don't. It gives me a full sense of satisfaction as the pressures are usually 20 points lower and I emailed them and they say its good. Nonsense. I beg them to recalibrate and they always say they will or did but it's nonsense. The...
by Good Listener
Tue Sep 12, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for smartphones.
Replies: 31
Views: 2422

Strategy for smartphones.

I am a committed Android user. I bought a top of the line Google pixel 11 months ago. Today it failed miserably. I went to the Verizon store and they ordered a replacement for me. The warranty is 12 months. That would include if this replacement won't work within that 12-month period , veterans anot...
by Good Listener
Tue Sep 12, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase on ebay
Replies: 2
Views: 303

Purchase on ebay

Hi, I have never bought anything at eBay before but a friend suggested I try and I did. I wanted to get a Google home device which you may know retails for $130. We looked at eBay and there was a seller selling absolutely new ones at $81. This was without an auction, a fixed price. I ordered Sunday ...
by Good Listener
Tue Sep 05, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should we let MIL pay off our mortgage?
Replies: 69
Views: 8671

Re: Should we let MIL pay off our mortgage?

I don't think you should accept the gift unless it is specifically arranged to be your wife's. Forget divorce which can happen. But if it's joint for you and the wife and she dies, does your MIL really want your new wife if you get one to have her money? And then if you die, all of it? Frankly MIL s...
by Good Listener
Tue Sep 05, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8387

Re: Protecting moms assets from nursing home expenses

Forgetting moral issues, she is only 74 and can live a long time in a healthy fashion at home. Jer social security is pretty small. If I were her child I would not allow her to gift away the relatively small amount of assets she has, about 250k. She may need it and she shouldn't have to count on the...
by Good Listener
Tue Aug 29, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 6525

Re: Why I asked for Larry book thread to be closed

Doc wrote:
Tue Aug 29, 2017 1:30 pm
Agreed. Shutting off discussion of ideas just because they are contrary to ones own beliefs is not a good thing.
Doc,
I think you misunderstood Ned.
by Good Listener
Wed Aug 23, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: "Verizon Up" rewards program - any insight?
Replies: 5
Views: 884

Re: "Verizon Up" rewards program - any insight?

I am avoiding. Consenting to the program allows them to share your info with aol I believe and other marketing partners. The rewards will likely be very little.
by Good Listener
Tue Aug 22, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Medicare when not collecting Social Security
Replies: 17
Views: 1380

Re: Paying for Medicare when not collecting Social Security

Thank you all. I just mailed the Form 5510 for automatic debit and will update if it is too early (since I haven't gotten a bill yet and it is late August with my 1st payment is for Nov ) and I get told to resubmit or if it works. And for those who asked, yes, I will have to pay them for part D beca...
by Good Listener
Tue Aug 22, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Medicare when not collecting Social Security
Replies: 17
Views: 1380

Paying for Medicare when not collecting Social Security

Help !!! I am getting very conflicting information from both the Medicare and Social Security Departments but the people are very well-intentioned. So no complaints from me. But I need some help. I will be on Medicare in November :shock: I am delaying collecting Social Security possibly until age 70...
by Good Listener
Mon Aug 21, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14517

Re: How far would you travel to see The Eclipse?

Having seen it on tv today, I wouldn't travel for it. On TV, I saw multiple locations undergoing the eclipse and saw it better than looking through the glasses I suspect. At the real sites you are dealing with less than 2 hours of the whole thing and 2 minutes of totality. But some people love the e...
by Good Listener
Mon Aug 21, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Finding Life Insurance for "High-Risk" Mother
Replies: 25
Views: 2402

Re: Finding Life Insurance for "High-Risk" Mother

I doubt she can get any underwritten insurance and a non-medically underwritten policy for somebody her age would be exorbitant. Are you in a position to tell your mother that you will cover the expenses if nothing is left in her estate to pay for it?
by Good Listener
Mon Aug 21, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 11850

Re: Is it worth it?

With all due respect, and I mean it, why do you jump right away to the woman staying home and the male continuing to work? Why not the other way or both contributing time? My daughter sounds similar to OP and if she has children I certainly hope she continues working as a professional. But addition...
by Good Listener
Sun Aug 20, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 11850

Re: Is it worth it?

There are a lot of factors that could be at play, but could your household run on just the husband's income? I'm assuming he alone makes at least 6-figures, why not you stay home and raise the children? There should be nothing more important to the two of you than family. As you may have inferred, ...
by Good Listener
Sun Aug 20, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15811

Re: Jobs that pay over $100,000

It depends what comes easy to him and how hard working he is. I am not of the opinion that you must have a career in what you love. As I tell my kids, there are things you will absolutely never want to do (e.g. my dd would never want to do anything with medicine - it grosses her out). But beyond th...
by Good Listener
Fri Aug 18, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Poker Software
Replies: 11
Views: 1515

Re: Poker Software

Depending on your state, online may be available legally. Otherwise it is not possible for an American to play online from within the United States. You will only learn by playing for real money and most decent players now learn online if they can because of a much greater rate of hands per unit tim...
by Good Listener
Sun Aug 13, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax: Interpreting 2017 Publication 505
Replies: 10
Views: 647

Re: Estimated Tax: Interpreting 2017 Publication 505

The Obamacare social security and Medicare taxes ARE part of the total if you are subject to them. They are part of line 63 coming from the OTHER TAXES section but I got the impression that OP was looking for Medicare/SS withholding to be used along w/ normal income tax withholding as "credits/paym...
by Good Listener
Sat Aug 12, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3328

Re: Your Movie Collection?

Like my music CDs. I used to have hundreds. Now they are on a flash drive and backed up to Google music. The CDs are in a landfill. Ditto books donated to the library and now have 1 bookshelf with 3 shelves half empty. Movie DVDs? Gone.
by Good Listener
Fri Aug 11, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax: Interpreting 2017 Publication 505
Replies: 10
Views: 647

Re: Estimated Tax: Interpreting 2017 Publication 505

The Obamacare social security and Medicare taxes ARE part of the total if you are subject to them.
by Good Listener
Thu Aug 10, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Why Worry About US Estate Tax for Non-Resident Aliens
Replies: 25
Views: 1848

Re: Why Worry About US Estate Tax for Non-Resident Aliens

If I understand your post, you live here and benefit from living here but want to evade estate taxes even though you know it is illegal? I hope my understanding is incorrect. The OP lives in the US at the moment , but will not be living in the US for the period about which they are asking (and is n...
by Good Listener
Thu Aug 10, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds and Taxes.
Replies: 24
Views: 1627

Re: Muni Bonds and Taxes.

Also I need to inform you that the muni funds have distributed both LT and ST capital gains distributions for the last several years and although I don't understand why will continue to do so if rates rise even slowly. Already for example the NJ long term fund has 4 cents per share in realized gain...
by Good Listener
Wed Aug 09, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why Worry About US Estate Tax for Non-Resident Aliens
Replies: 25
Views: 1848

Re: Why Worry About US Estate Tax for Non-Resident Aliens

If I understand your post, you live here and benefit from living here but want to evade estate taxes even though you know it is illegal? I hope my understanding is incorrect. It is indeed incorrect. Re-read the first post, and note the "... for non-resident aliens " qualifier in the very first sent...
by Good Listener
Wed Aug 09, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Why Worry About US Estate Tax for Non-Resident Aliens
Replies: 25
Views: 1848

Re: Why Worry About US Estate Tax for Non-Resident Aliens

If I understand your post, you live here and benefit from living here but want to evade estate taxes even though you know it is illegal? I hope my understanding is incorrect.
by Good Listener
Wed Aug 09, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds and Taxes.
Replies: 24
Views: 1627

Re: Muni Bonds and Taxes.

Also I need to inform you that the muni funds have distributed both LT and ST capital gains distributions for the last several years and although I don't understand why will continue to do so if rates rise even slowly. Already for example the NJ long term fund has 4 cents per share in realized gains.
by Good Listener
Sat Aug 05, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 2984

Re: Dinner plates that do not get so hot after microwaving?

Amazing followup. I was in Bed Bath and Beyond and hanging in the kitchen area were set of 4 microwave plates that "stay cool in the microwaves ". $6 for 4. 10 inch diameter with a little outpouch on 1 side. A nonbreakable material and quite light. It works.
by Good Listener
Fri Aug 04, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical billing sent to collection. What should I do?
Replies: 20
Views: 1262

Re: Incorrect medical billing sent to collection. What should I do?

I will be executed for the statement. If anything is less than$1,000 and I can prevent future complications, I just pay it.
by Good Listener
Wed Aug 02, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 2984

Re: Dinner plates that do not get so hot after microwaving?

.....except by conduction from the food cooked on them. Agreed. This might be a "nuke too long" problem, not a plate problem. Good Listener, tell us more about what you are "cooking". I microwave everything. The problem with the plates is when I put chicken on it for others. It even heats the silic...
by Good Listener
Tue Aug 01, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 2984

Re: Dinner plates that do not get so hot after microwaving?

.....except by conduction from the food cooked on them. Agreed. This might be a "nuke too long" problem, not a plate problem. Good Listener, tell us more about what you are "cooking". I microwave everything. The problem with the plates is when I put chicken on it for others. It even heats the silic...
by Good Listener
Mon Jul 31, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 2984

Dinner plates that do not get so hot after microwaving?

Hi, I am cooking more lately, mostly with microwaving. The 11.5 inch plates I have get super hot and I need dish towels or pot holders to remove them from the microwave.. I even bought those silicon microwave covers that are put on the microwave turntable with the plate on top that you can then use ...
by Good Listener
Mon Jul 31, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with 3oz of gold?
Replies: 28
Views: 4520

Re: What to do with 3oz of gold?

I had 3 also. I walked into a store in the diamond district of NYC when i went in for a ballgame and they paid me the price of gold in cash rounded down a slight bit. No value in keeping it. And then you went to the Bronx with thousands in cash in your pocket? I sold some years ago and I was parano...
by Good Listener
Sat Jul 29, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with 3oz of gold?
Replies: 28
Views: 4520

Re: What to do with 3oz of gold?

I had 3 also. I walked into a store in the diamond district of NYC when i went in for a ballgame and they paid me the price of gold in cash rounded down a slight bit. No value in keeping it.
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: 637

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: 637

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: 42
Views: 4059

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: 3964

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 want. There...
by Good Listener
Thu Jul 20, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Flying first class/ business......
Replies: 21
Views: 4114

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: 3964

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: 4114

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: 2441

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: 372

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: 2026

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: 18
Views: 1726

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: 3082

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: 901

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: 368

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: 570

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: 570

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. So new posts will be critical as they will announce times and dates,. Is ...
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: 642

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: 1131

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.