Search found 1168 matches

by Pacific
Fri Jun 16, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 61
Views: 6644

Re: Trust Fund Hell

Trust Fund Hell in blue. Boglehead 3-fund in red. The trust fund outperformed the S&P 500 during the time frame that matches your adopted daughter's time window… It could have been worse. http://i.imgur.com/X7aLpgT.png That is pretty neat. The trust funds for the girls all started in 1984. The ...
by Pacific
Fri Jun 16, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 61
Views: 6644

Re: Trust Fund Hell

delamer wrote:What was done with the two previous distributions?


All in Total Stock Market Admiral, Total International Admiral, and Small-Cap Value Admiral (though also had FTSE All-World ex-US Small Cap at one time before sold and added to Total International).
by Pacific
Tue Jun 13, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 61
Views: 6644

Trust Fund Hell

My adopted daughter’s deceased father left her a trust fund which paid out at 25, 30, and 35 years of age. The trustee is her uncle. He is a very nice guy and a tax attorney in New York (unfortunately, however, he is not Bruce Steiner). About 18 years ago I happened to see how the uncle was investin...
by Pacific
Mon Jun 12, 2017 2:31 am
Forum: Personal Finance (Not Investing)
Topic: Inheriting Quandary
Replies: 46
Views: 6547

Re: Inheriting Quandary

I would wait to see if bsteiner weighs in and then follow his advice.
by Pacific
Mon Jun 12, 2017 2:27 am
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 1780

Re: Best way to book multi-city international airfare itinerary?

Dec 28 - Jan 11: Round trip flight Portland to Santiago on AA returning from Santiago to Fayetteville on Jan 11 for about $1600. Both outbound and return segments route through DFW. Basically they are only charging us about $100 extra to add the PDX-DFW segment on the outbound flight and the DFW-XN...
by Pacific
Sun Apr 02, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 6761

Re: Weird house buying experience

If you like the house, negotiate as much as you can and buy it. In the larger scheme of things it's not a lot of money and house you like are not easy to find. If they don't budge on numbers then get other upgrades or landscaping thrown in. Might be easier for builder to do that. We did ask for a c...
by Pacific
Mon Mar 06, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: "How Not to Invest"
Replies: 7
Views: 1772

"How Not to Invest"

James Kwak in his Baseline Scenario has an excellent article entitled “How Not to Invest”. In the Wall Street Journal, Micah Hauptman summarized a recent paper by Michael Cooper, Michael Halling, and Wenhao Yang on mutual fund fees. They find, as did previous research, tremendous differences in pric...
by Pacific
Fri Feb 17, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Vietnam
Replies: 31
Views: 3010

Re: Vietnam

I MUCH preferred Saigon to Hanoi. The food was fantastic. I suggest that you open a moped shop while you are there. :D I agree with the recommendations for the War Remnants Museum, Reunification Palace, and Cu Chi tunnels. The WRM has an entire floor dedicated to the use of napalm and the long-term ...
by Pacific
Wed Feb 08, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: finding a good estate lawyer (nyc, westchester)?
Replies: 9
Views: 689

Re: finding a good estate lawyer (nyc, westchester)?

JoinToday wrote:If I lived in NY near NYC, I would give Bruce Steiner a call. Posts on this forum (bsteiner). I wished he lived in California


+1 (except for the part about California)
by Pacific
Tue Jan 24, 2017 5:23 am
Forum: Personal Consumer Issues
Topic: Amazon Phishing Email after Order
Replies: 16
Views: 2344

Re: Amazon Phishing Email after Order

I order things from Amazon a few times a year and have never gotten one of those, either that got through or caught by gmail's spam filter. I ordered something early this month - same thing. Could your email account have been compromised? Not to change the topic, but I would have thought you'd have...
by Pacific
Tue Jan 24, 2017 5:19 am
Forum: Personal Consumer Issues
Topic: American Greed new season kicks off on Saturday
Replies: 16
Views: 2170

Re: American Greed new season kicks off on Saturday

John Elway of the Denver Broncos got scammed out of mucho cash from one of these type of scammers. So its good to know very smart people can be scammed too. Never let your guard down. ps! Scammer either committed suicide, or is in prison I can't remember. I'm interested in what makes John Elway a v...
by Pacific
Tue Dec 06, 2016 3:52 am
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 7943

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

Isn't this what grandparents are for?
by Pacific
Sat Sep 24, 2016 3:09 am
Forum: Personal Consumer Issues
Topic: Viking cruise in Europe
Replies: 10
Views: 2314

Re: Viking cruise in Europe

We took a river cruise on the Mekong this year with Uniworld - Vietnam and Cambodia. LOVED it. We took a river cruise on the Douro last year with Uniworld - Portugal. LOVED it. Both cruises had the best guides I have ever experienced. Nothing like getting as many Pimms Cups as you desire for free (w...
by Pacific
Wed Sep 21, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Study Abroad program question
Replies: 34
Views: 2308

Re: Study Abroad program question

Valuethinker wrote:There is a foreign language school in Vermont, a friend of mine learned his German there. It was pretty hard core (they chuck you out if they catch you speaking English more than a certain number of times).



Middlebury College
by Pacific
Mon Sep 19, 2016 6:58 am
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 7492

Re: Cities like New Orleans?

Crime is very high and very violent, not just pickpockets. 11 % sales tax on everything except food (that's only 4 %) 6 % income tax on almost everything including pensions (but not social security) If you eat that great food it will kill you eventually. Hot sweaty summers +1 Would you enjoy living...
by Pacific
Mon Aug 22, 2016 10:00 pm
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 4260

Re: Favorite Asian Vacation?

1. South Island of New Zealand

2. Bali
by Pacific
Mon Aug 01, 2016 12:18 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 15572

Re: SSA MANDATORY cell phone based multifactor authentication

I don't see how this can stand given the there are those that use web but don't have a cell phone. You don't need a cell phone to get texts, you just need a phone number and and internet connection. You can get a google voice number for free and get texts over the web, or have the texts sent direct...
by Pacific
Tue Jul 12, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 5702

Re: Passwords

Loandapper wrote:Last Pass Premium account. It will change the way you use the internet for the better.


+1
by Pacific
Sun Jul 03, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Hotel in Honolulu?
Replies: 26
Views: 2187

Re: Hotel in Honolulu?

Whoever told you that Waikiki is the place to be is clearly a tourist. Waikiki Beach is probably the worst beach you can visit on the island (crowded and dirty), and the hotels in that area of town are packed together, making it difficult to maneuver yourself out of Waikiki and back in at peak traf...
by Pacific
Sun Jun 26, 2016 7:21 am
Forum: Investing - Theory, News & General
Topic: BREXIT - Whats the big deal?
Replies: 108
Views: 12111

Re: BREXIT - Whats the big deal?

Agreed. I don't see how the current value of US stocks decreased by >3% because some people on a small island in the atlantic decided to do something stupid (maybe) over the next two years. IF they don't override it in parliament, stage a re-vote, etc. over the next few months.... As loathe as I am...
by Pacific
Sun Jun 26, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Southeast coast beach cities for raising a family
Replies: 29
Views: 2579

Re: Southeast coast beach cities for raising a family

What exactly do you mean by "progressive"?
by Pacific
Sun Jun 26, 2016 7:06 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 13500

Re: What did you learn from the post-Brexit bloodbath?

The better question is what did George Soros learn from the post-Brexit bloodbath?
by Pacific
Sun Jun 26, 2016 7:03 am
Forum: Personal Consumer Issues
Topic: VG password security (for phoning into rep)
Replies: 19
Views: 1147

Re: VG password security (for phoning into rep)

I have the voice verification and it does not seem to work all that well. After repeating their phrase, I get prompted to repeat a different phrase, after the third failure, I get human. Other times it works on the first try. I thought it might be an AT&T' Uverse VOIP problem. I have complained...
by Pacific
Thu Jun 23, 2016 2:43 am
Forum: Personal Consumer Issues
Topic: European Package Tours
Replies: 23
Views: 1838

Re: European Package Tours

We have taken two Uniworld river cruises -- the Douro in Portugal and the Mekong in Vietnam and Cambodia. We prefer the river cruises because smaller groups so you get to know everyone. Both cruises were fantastic and the guides that Uniworld employs are the best I've seen. We are considering severa...
by Pacific
Wed Apr 20, 2016 8:28 pm
Forum: Investing - Theory, News & General
Topic: "Profits in Finance"
Replies: 4
Views: 853

"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: 5007

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: 6074

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: 14572

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: 9915

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: 2409

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: 1702

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: 136368

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: 4037

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: 5768

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: 2842

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: 2002

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: 4154

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: 4076

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: 4076

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: 3320

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: 8578

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: 19765

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: 14468

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: 3642

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: 4572

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: 532

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: 44
Views: 5572

Re: Newer washing machine freaks out dog

I suggest contacting Cesar Millan, the Dog Whisperer. I am not kidding.

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