Search found 1144 matches

by Pacific
Wed Apr 20, 2016 8:28 pm
Forum: Investing - Theory, News & General
Topic: "Profits in Finance"
Replies: 4
Views: 781

"Profits in Finance"

James Kwak has an interesting article today on his Baseline Scenario discussing why asset-management charges have not gone down amid competition: Why do people pay 86 basis points for a product that is likely to trail the market, when they could pay 5 basis points for one that will track the market ...
by Pacific
Mon Mar 28, 2016 12:08 am
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 3806

Re: Your fav airline - as far as flying experience?

International = Singapore or Thai
Domestic = Southwest
by Pacific
Fri Feb 05, 2016 4:23 am
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 4414

Re: Take the Verb Tense Pledge!

Please, PLEASE, enough. I cannot take this any more. I am laughing so hard my contacts have floated and are continuing to float off my eyeballs.
by Pacific
Mon Jan 25, 2016 6:50 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 11181

Re: What is your favorite Financial Quote or Metaphor??

There is more than one road to Dublin. -- Taylor Larimore
by Pacific
Mon Jan 25, 2016 5:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 53
Views: 8743

Re: Where is YDNAL?

Why in the world would Bogleheads have banned sscritic? If one of the purposes of punishment is deterrence, it does not serve its purpose if others are not informed of the reason. He was one of my favorite posters and reminded me of my old criminal law professor (recently deceased) who employed the ...
by Pacific
Sun Jan 24, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: New Amazon Prime Member w/streaming - need recs
Replies: 26
Views: 2046

Re: New Amazon Prime Member w/streaming - need recs

In my opinion, The Wire is the best series I have ever seen on TV (Breaking Bad is second). But, I advise watching it with english subtitles because it is difficult to understand the street talk. (Heck, difficult to understand even with the subtitles!).
by Pacific
Fri Dec 04, 2015 6:15 am
Forum: Personal Consumer Issues
Topic: Dog house
Replies: 23
Views: 1361

Re: Dog house

I clicked on this to see what bad thing you had done to your wife!
by Pacific
Fri Dec 04, 2015 6:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 120524

Re: Vanguard Tax Dodge Case

If Congress bails out Vanguard with either of those moves, it could add a requirement that Vanguard disclose how much it pays its executives and money managers, perhaps all those making $1 million or more. “Nobody has any idea what anyone at Vanguard makes,” Sorenson says. “They can pay themselves ...
by Pacific
Thu Nov 12, 2015 4:21 pm
Forum: Personal Consumer Issues
Topic: Costco Travel....anyone used them?
Replies: 18
Views: 2611

Re: Costco Travel....anyone used them?

Earlier this year a friend suggested that I use it for rental cars. I found that 85% of the time Costco's rental car rate is less than Hotwire's. I now find Costco and Hotwire are the cheapest rates. Also, we booked a river cruise on the Douro River in Portugal through Uniworld. One of the couples o...
by Pacific
Thu Oct 08, 2015 10:47 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross sues Pimco
Replies: 46
Views: 5317

Re: Bill Gross sues Pimco

Boy, I'm sure Mohamed El-Erian is having a conniption fit about now.
by Pacific
Fri Sep 25, 2015 8:35 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle interview with Tony Robbins
Replies: 18
Views: 2388

Re: Jack Bogle interview with Tony Robbins

Tony Robbins? Really? I hope I don't see Jack on those Saturday morning infomercials.
by Pacific
Mon Sep 21, 2015 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Where can I find a good Estate attorney?
Replies: 14
Views: 1726

Re: Where can I find a good Estate attorney?

Poking around on yelp for a "real estate" attorney, I kept coming across "estate attorney" in listings. So check yelp.com and see if the reviews there help guide your decision. Neither of these is likely to be a good place to look. Could you elaborate on why many positive yelp r...
by Pacific
Mon Jun 29, 2015 12:49 am
Forum: Investing - Theory, News & General
Topic: Puerto Rico Governor Says Island’s Debts Are ‘Not Payable’
Replies: 37
Views: 3844

Re: Puerto Rico Governor Says Island’s Debts Are ‘Not Payable’

"A U.S. commonwealth with a population of 3.6 million, Puerto Rico carries more debt per capita than any state in the country. The island has been staggering under the increasing weight of those obligations for years as its economy has tanked, triggering an exodus of island residents to the mai...
by Pacific
Mon Jun 22, 2015 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refund check from IRS
Replies: 3
Views: 1690

Re: Refund check from IRS

Well, should I cash the check, tear it up, or return it somewhere?
by Pacific
Fri Jun 19, 2015 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Refund check from IRS
Replies: 3
Views: 1690

Refund check from IRS

On my 2013 tax return, I forgot to claim the additional $1,500 standard deduction for being over age 65. So in May, 2014, I filed a 1040X amending it and directing that the $375 overpayment that I made be applied to my 2014 taxes. My 2014 tax return listed the $375 on lines 65 and 74. I received a c...
by Pacific
Tue May 26, 2015 3:10 am
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 38
Views: 2702

Re: $4500 reasonable for wills for blended family and some trusts?

I was going to advise waiting to see if Bruce Steiner weighed in. I see that he did. I would follow bsteiner's advice. He is like the old EF Hutton ads.
by Pacific
Tue Mar 31, 2015 4:34 pm
Forum: Investing - Theory, News & General
Topic: Bernanke's Blog: why are interest rates so low?
Replies: 52
Views: 8008

Re: Bernanke's Blog: why are interest rates so low?

Ah, finally the answer to "Which came first, the chicken or the egg?"
by Pacific
Sun Mar 29, 2015 3:51 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 137
Views: 16962

Re: Rick Ferri's 30 year market forecast 2015

More importantly, in my opinion,

1. What is the prediction for the return of Vanguard's Energy fund for just the next year?

2. If 30-year outlooks change each year, what's the point?
by Pacific
Fri Mar 13, 2015 12:00 am
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 8665

Re: $600 night guard for teeth grinding, really?

I got Invisalign instead for $7000 ish. It really helped - not only in moving my teeth to a better position to fix the problem more systemically but the retainer(s) act like a mouthguard as well. Though lately I've been a bit slack about wearing my retainer and am noticing a bit of jaw pain creepin...
by Pacific
Thu Mar 12, 2015 11:57 pm
Forum: Investing - Theory, News & General
Topic: Finra raps UBS, Vanguard with fines totaling $850,000
Replies: 23
Views: 3410

Re: Finra raps UBS, Vanguard with fines totaling $850,000

Uncle Pennybags wrote:Upon further review it's not a bad as it looks. What happened is payroll didn't inform compliance when an "adviser" had her wages garnished. Compliance is supposed to investigate all leans and garnishments to see if they require reporting and listing.


$350,000 for THAT?????
by Pacific
Thu Mar 12, 2015 11:52 pm
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 4306

Re: An arm and a leg ... for a middle finger?

I am still trying to figure out why you were "upset with kid for being careless." He was playing catch with a football! Glad my Dad never got upset with me for being so "careless." Not surprisingly, you don't acknowledge any "carelessness" on your part for having a simi...
by Pacific
Mon Feb 16, 2015 12:48 am
Forum: Personal Consumer Issues
Topic: Trip to Portugal in May
Replies: 1
Views: 455

Trip to Portugal in May

I am taking my wife on an 11-day Douro River cruise (including one day in Salamanca, Spain) starting in Lisbon and ending in Porto on a Sunday morning in late May. I do not need to be in Lisbon again (for a meeting) until Thursday late afternoon. So, I am looking for suggestions on what to do betwee...
by Pacific
Tue Jan 27, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 41
Views: 3792

Re: Newer washing machine freaks out dog

I suggest contacting Cesar Millan, the Dog Whisperer. I am not kidding.
by Pacific
Fri Dec 05, 2014 3:46 pm
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 6296

Re: mother-in-law wrecked our car

Big Blue, the only good news is that you got rid of Brady Hoke.
by Pacific
Sun Nov 23, 2014 5:51 am
Forum: Personal Consumer Issues
Topic: Good books on Law to give to a teenager?
Replies: 12
Views: 1267

Re: Good books on Law to give to a teenager?

1. Circle of Greed: The Spectacular Rise and Fall of the Lawyer Who Brought Corporate America to Its Knees

2. The Fall of the House of Zeus: The Rise and Ruin of America's Most Powerful Trial Lawyer

3. Attorney for the Damned: Clarence Darrow in the Courtroom
by Pacific
Fri Nov 21, 2014 3:05 am
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 11326

Re: Paid off our Mortgage this evening!

Congratulations! The comments on here have convinced me to do the same next month. 1. I probably will not be itemizing next year. 2. I have a PenFed 7/1 ARM at 3.128% interest and will owe $62,000 (of original $260,000 purchase price) next month. 3. The payoff of the remaining balance will come from...
by Pacific
Wed Nov 12, 2014 4:31 pm
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 17186

Re: Vanguard launches new offering ...

Prices are great. I am ordering the golf cap and plain gray Vanguard tee shirt.

I wonder if these are made in emerging market countries?
by Pacific
Wed Nov 05, 2014 4:55 pm
Forum: Investing - Theory, News & General
Topic: Interest is so low that Germans have to pay for savings
Replies: 19
Views: 2200

Re: Interest is so low that Germans have to pay for savings

Then the Germans should just put theri money in a place like . . . . Iceland. :oops:
by Pacific
Tue Nov 04, 2014 4:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 8350

Re: Vanguard web site changes

How will this work if you are traveling overseas and cannot get a text message?
by Pacific
Wed Oct 29, 2014 1:17 pm
Forum: Personal Consumer Issues
Topic: canceled flight on AA: premium seat fee not refunded
Replies: 30
Views: 2834

Re: AA canceled flight: premium seat fee not refunded

Grok, That's why the missus and I stopped flying American to DFW where we have grandchildren. The customer service has simply fallen off as repeated customer surveys show. We regret it. We enjoyed our Advantage perks in the past. Lev Sorry to break it to you but this is not limited to American.
by Pacific
Wed Oct 29, 2014 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 47
Views: 5145

Re: What online banks do you like for savings or MMA?

I use PenFed and Ally. Never a problem.
by Pacific
Fri Oct 17, 2014 11:05 pm
Forum: Investing - Theory, News & General
Topic: important supreme court case [on high cost 401k plans]
Replies: 7
Views: 1800

Re: important supreme court case

I thought that was an extremely well written article.
by Pacific
Thu Oct 16, 2014 3:33 am
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 4230

Re: Your personal risk level: Got your flu shot yet?

I got my first flu shot ever last week. Immune system doesn't work well when you get older, so I finally caved after getting my first cold in decades last spring. I used to work in a hospital so didn't catch anything in the real world. Just a warning, the arm where it was injected lost some muscle ...
by Pacific
Fri Oct 10, 2014 3:13 pm
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 41681

Re: Headed for a 300+ point loss today?

While the likelihood of it happening is slim, if this week was the start of a 5 or 10 year slump in stocks, it will be interesting to look back on all of the comments made in this thread.
by Pacific
Thu Oct 09, 2014 4:50 am
Forum: Investing - Theory, News & General
Topic: I'm Chuck and I work at Vanguard and Invest in Active Funds
Replies: 44
Views: 9289

Re: I'm Chuck and I work at Vanguard and Invest in Active Fu

Low cost matters much more than passive vs active. It isn't that active management doesn't work. It's that it doesn't work well enough to overcome its costs. Chuck seems like a neat guy. But I can’t help it. I use five Vanguard active funds—three stock, two bond—for one-third of my personal 401(k) ...
by Pacific
Thu Sep 18, 2014 6:02 pm
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 47
Views: 5717

Re: Australia and New Zealand

I tell people that they shouldn't go to New Zealand unless they can take five weeks. We did it in three and it felt rushed.


True, but you could go to Queenstown on the South Island and do everything imaginable in about 8 hours!
by Pacific
Sat Sep 06, 2014 5:41 pm
Forum: Personal Consumer Issues
Topic: Suggestions for 10 days on Hawaiian Islands
Replies: 24
Views: 1912

Re: Suggestions for 10 days on Hawaiian Islands

Teens might be bored on Kauai, so I suggest Kauai, Maui, and Big Island. I also suggest ZERO days in Oahu.
by Pacific
Fri Aug 29, 2014 10:53 pm
Forum: Personal Consumer Issues
Topic: Sports Motivation Waning
Replies: 18
Views: 1906

Re: Sports Motivation Waning

WhyNotUs wrote:[Medical advice removed by admin LadyGeek]


+1
by Pacific
Fri Aug 29, 2014 2:19 pm
Forum: Personal Consumer Issues
Topic: Probability question
Replies: 14
Views: 1351

Probability question

The organizer of our fantasy football league has drawn the #1 draft position out of a basket for the second straight year. He asked me "What are the odds?" I told him the odds were obviously 1-1 since he was the guy in charge. But, seriously, since it is a 12-man league, I assume the odds ...
by Pacific
Thu Aug 21, 2014 11:52 am
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 11100

Re: Buying a home with aluminum wiring?

jack, I've know a few doctor-lawyers, but you are the first electrician-lawyer. At least, that is one of the best closing arguments I have read! :happy
by Pacific
Thu Jul 24, 2014 3:58 pm
Forum: Investing - Theory, News & General
Topic: [Saudi Arabian stock exchange to open to foreign investors]
Replies: 18
Views: 1628

Re: [Saudi Arabian stock exchange to open to foreign investo

What would be there to invest in ?


[OT comments removed by admin LadyGeek]
by Pacific
Thu Jul 24, 2014 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Term Life through an Irrevocable Life Insurance Trust
Replies: 11
Views: 1077

Re: Help! Term Life through an Irrevocable Life Insurance Tr

5. Can you please provide contacts at any good estate planning lawyers/firms in NJ that you may have used or come across?


You can't get any gooder than Bruce Steiner at Kleinberg, Kaplan, Wolff & Cohen :sharebeer :sharebeer
by Pacific
Sun Jul 06, 2014 3:45 pm
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 5761

Re: Neighbor's Fireworks

What would you do in this situation?


Nothing, other than clean off my roof.
by Pacific
Thu Jun 26, 2014 3:33 pm
Forum: Personal Consumer Issues
Topic: Class-action lawsuits
Replies: 16
Views: 1820

Re: Class-action lawsuits

Class action you say?? Fantastic book (and you will never look at class actions the same way again): The Circle of Greed (or how the leading class action lawyer in America, California's own Bill Lerach, became a convicted felon) http://www.amazon.com/Circle-Greed-Spectacular-Brought-Corporate/dp/076...
by Pacific
Tue Jun 24, 2014 4:38 am
Forum: Personal Consumer Issues
Topic: Question about divorce & settlement
Replies: 39
Views: 2671

Re: Question about divorce & settlement

Which of the 50 different answers are you looking for? I can tell you the answer for my state, but I can't tell you the answer for the hypothetical state of your hypothetical dude with the hypothetical wife and the hypothetical house and the hypothetical stocks, at least not until you tell us the h...
by Pacific
Tue Jun 17, 2014 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Nevada's 529's website
Replies: 4
Views: 460

Re: Nevada's 529's website

It appears that Nevada's (Vanguard's) 529 plan is administered through Vanguard's website. I would just like to verify this with somebody who has a 529 through Nevada - does the 529 account get associated with your standard Vanguard login? Does your 529 plan holdings show up in the all accounts sum...
by Pacific
Tue Jun 17, 2014 12:34 am
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 7914

Re: Shopping at Costco

I did ask around in my friend circle, but no one has a Costco membership. :( Get new friends. You will need friends to take care of your finances when you are no longer able to. Plus, they will be able to buy you 1000 packs of Depends at a really good price at Costco. :happy :) :) :happy :happy :)

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