Search found 351 matches

by legio XX
Sun May 15, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: pdf editor
Replies: 11
Views: 977

Re: pdf editor

Thanks, but my Word is 2007 and I have a PC not a Mac. I need to upgrade, but for now it's the old stuff - XP and 2007.

Vic
by legio XX
Sun May 15, 2016 7:26 am
Forum: Personal Consumer Issues
Topic: pdf editor
Replies: 11
Views: 977

Re: pdf editor

It is a also VERY expensive. Far beyond my means and a lot more than I need. Sould have specified "free dowload."
by legio XX
Sun May 15, 2016 7:23 am
Forum: Personal Consumer Issues
Topic: Friend owed money by now deceased person
Replies: 14
Views: 2273

Re: Friend owed money by now deceased person

Assuming that the lender also knew the borrower's wife - friends good enough to lend money to each other usually socialize a bit - why not simply a polite short letter with photocopy of note. "Sorry to bother you . . . here's all you have to do . . . not a big court/probate deal . . . thanks.&q...
by legio XX
Sun May 15, 2016 7:02 am
Forum: Personal Consumer Issues
Topic: pdf editor
Replies: 11
Views: 977

Re: pdf editor

Since this thread is so old, I thought I'd better ask before trying the suggested stuff. I have reached the point where not being able to edit in .pdf format is a PITA. My Eurocolleagues tell me this is no problem for them . . . Some of them are a good bit older than I am . . . I have an article nee...
by legio XX
Mon Feb 15, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Jobs with Student Loan Forgiveness
Replies: 44
Views: 3649

Re: Jobs with Student Loan Forgiveness

I don't think readers of the New York Times are going to take kindly to articles highlighting how a doctor making 200k/yr had half a million in student loans waived away. The PSLF was put in place to help someone like your sister not be burdened by tremendous student debt while filling a needed gov...
by legio XX
Mon Feb 15, 2016 8:14 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 15010

Re: Do you pay for exercise?

Yep. Take class 3x a week @ $16-18 per. My equivalent of the $200/month cable pkg in another thread. Why spend so much? Because I love it and actually get there. Getting to gym workouts - forget about working out at home, a bit of stretching maybe, sold the Nordic Trak long ago - is being dutiful; n...
by legio XX
Sun Feb 14, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 13408

Re: Weight Loss Plans?

The problem with most diets is they attempt to limit portion size which is very difficult to maintain long term as the diet leaves you constantly hungry. That's what I thought, but it doesn't work that way - or it didn't for me. I remember thinking I'd never stick to 3 oz portions of meat, but when...
by legio XX
Sun Feb 14, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 13408

Re: Weight Loss Plans?

Can I ask how to get motivated to lose weight? Or how to motivate a loved one to lose weight without pissing them off? Wow! Two very different issues. In 2002 I knocked off 10-12 lbs - all I wanted to do. Not much but had been buggin' me for years. I used Losing Weight for Good by Lawrence Cheskin ...
by legio XX
Wed Dec 16, 2015 6:58 pm
Forum: Personal Consumer Issues
Topic: Coffee maker
Replies: 38
Views: 3578

Re: Coffee maker

I use white vinegar in my 4-cup Mr. Coffee (two passes - with filter, reusing the vinegar from the first pass) twice a year, at the cost of a few cents. It makes a world of difference on the heating/flow of the coffeemaker. As you can see, I'm frugal (cheap) and not a "coffee snob" :happy...
by legio XX
Sat Nov 28, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Small windfall: use towards loans, investments, etc?
Replies: 16
Views: 1519

Re: Small windfall: use towards loans, investments, etc?

The only question I would have is how secure your income is for the next year or so. Since you have an emergency fund this might be less important, but a period of unemployment could mess up a good plan. Faced with a similar situation, although at a much older age, I sliced and diced. If you are rea...
by legio XX
Sat Nov 28, 2015 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 207
Views: 15492

Re: Push child to avoid expensive college?

Just don't let her do this: http://www.nytimes.com/2015/11/29/upshot/student-debt-in-america-lend-with-a-smile-collect-with-a-fist.html?ribbon-ad-idx=2&rref=education&module=Ribbon&version=origin&region=Header&action=click&contentCollection=Education&pgtype=article "...
by legio XX
Sat Nov 28, 2015 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 207
Views: 15492

Re: Push child to avoid expensive college?

OK with four pages of responses I admit I went through rather quickly. The responses, at least most of them, have been thoughtful and generally great. I probably don't have anything to add, but before even trying I would want to know what this young woman's interests are . "High school" is...
by legio XX
Sat Nov 14, 2015 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Age 53 / Pay Off Student Loans with Inheritance?
Replies: 50
Views: 5649

Re: Age 53 / Pay Off Student Loans with Inheritance?

I was in a somewhat similar situation. Defended the dissertation a few years older and a lot less in debt. And inherited a lot less. I compromised by consolidating the loans which extended the term and halved the payment. To avoid taking a beating on the interest I paid more when I could. Why not ju...
by legio XX
Sun Nov 08, 2015 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Job Recommendations - Unique skillset / experience
Replies: 8
Views: 1461

Re: Job Recommendations - Unique skillset / experience

Adjuncts who can handle business or tech courses are probably paid more, but I doubt the difference is that great. Short version: part-time uni teaching is a poverty-level job. Pay low, benefits minimal, competition strong. Working conditions vary from meh to execrable - like holding office hours in...
by legio XX
Sun Oct 18, 2015 12:13 am
Forum: Personal Consumer Issues
Topic: Need hotel in/near Milan next week -
Replies: 6
Views: 597

Re: Need hotel in/near Milan next week -

OK, under pressure I booked the "red light district" hostel. Will report if there's anything interesting . . . .

Vic

PS. It's soccer. Juve is playing a home game on the 25th. May their luck follow mine with the hotel!
by legio XX
Sat Oct 17, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Need hotel in/near Milan next week -
Replies: 6
Views: 597

Re: Need hotel in/near Milan next week -

Thanks daveatca, When I tried a quick search it looked pretty bad. I guess reviews of cheap hotels will turn up words like "roaches" and "red light district," but I draw the line at "door didn't lock" - so I turned to the Bogleheads. So far it looks like the best bet mi...
by legio XX
Sat Oct 17, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: Need hotel in/near Milan next week -
Replies: 6
Views: 597

Need hotel in/near Milan next week -

OK, I'm hoping that one of the well-travelled Bogleheads can offer a suggestion on this one. I'm in Italy for a conference next week. Returning from Milan on Sunday, 10/25. When I went to book the Saturday overnight at one of the dozens of hotels near Milano Centrale (and the bus to the airprort) I ...
by legio XX
Sat Aug 15, 2015 7:22 am
Forum: Personal Consumer Issues
Topic: Can a bill dispute ruin our credit?
Replies: 30
Views: 2994

Re: Can a bill dispute ruin our credit?

FWIW, about 12 years ago I refused on principle to pay AT&T money they tried to collect for two additional months of cell phone service after I had cancelled the account. Not a matter of contract; the contract had expired. And, I would probably have renewed it if they hadn't treated me like ****...
by legio XX
Wed Aug 12, 2015 9:25 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 103
Views: 13663

Re: Why not add a "like" button to Boglehead posts?

What about a "love" button? Probably for the same reason that the guy who created the Like/Love questionnaire quickly told his publisher to refuse requests to reprint it. To wit, people were skimming it and using it without studying the work it summarized. The substantive research was bei...
by legio XX
Sun Aug 09, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Anti-smartphone [basic phone + paper planner & address book] anyone??
Replies: 42
Views: 3705

Re: Anti-smartphone [basic phone + paper planner & address book] anyone??

I don't have to go back to texting on a flip phone - never stopped. I keep the flip for talk/text and recently bought a small tablet that takes a 4G chip. I made a little use of it during a recent UK trip, but am not really taking advantage of all its tricks. I tend to learn/buy what I need when I n...
by legio XX
Sun Aug 02, 2015 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: would-be semi-retirees, could you find part-time work?
Replies: 15
Views: 2116

Re: Poll: would-be semi-retirees, could you find part-time work?

. . . Or working in the sophisticated adult entertainment business. . . . managing sophisticated adult entertainment . . . That said, I wouldn't have any objections to working in the adult entertainment industry. This must be either the sex trade or higher education. Probably option 1 is more relia...
by legio XX
Sun Jun 28, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 5680

Re: are these legit Vanguard reviews?

I'm skeptical of any site that calls itself "consumer" something. It's similar to pre-web days when any number of magazines tried to ride the reputation of Consumer Reports which earned its reputation by not running any ads. The me-toos were all ordinary commercial 'zines that earned reven...
by legio XX
Sat Jun 27, 2015 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 5533

Re: Homemaker denied credit card despite high household income

I applaud the bank for responsible lending. I don't know what your wife's gender has to do with it. Would they give you a credit card without an income? I see no reason why a homemaker of either gender should be denied credit. Responsible lending is not giving access to unreasonable amounts of cred...
by legio XX
Sat Jun 27, 2015 6:37 am
Forum: Personal Consumer Issues
Topic: Scotland / Ireland Castles?
Replies: 29
Views: 3197

Re: Scotland / Ireland Castles?

killjoy, northwoods, Thanks for the info. I agree that driving in the country might be a better way to start. I feel the same way about left-side driving as some of my friends feel about driving in New York. I do it naturally; some of them absolutely refuse to drive into the city. Go figger . . . Th...
by legio XX
Fri Jun 26, 2015 5:56 am
Forum: Personal Consumer Issues
Topic: Scotland / Ireland Castles?
Replies: 29
Views: 3197

Re: Scotland / Ireland Castles?

Wales has many good castles but it rains a lot. Many of the castles were built for defence in the 11th-14th centuries and are therefore the real deal Working castles sound like a great idea! Have an open week in the UK coming up soon. But, I don't drive there - haven't done any left-hand driving fo...
by legio XX
Fri Jun 26, 2015 5:47 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 31899

Re: What ratio are you stocks/bonds and how old are you?

70s. 55/43 and a little cash. Rebalancing a bit this weekend.

Vic
by legio XX
Fri Jun 26, 2015 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 5533

Re: Homemaker denied credit card despite high household income

Very surprised to read this. I thought treating homemakers like unemployed adolescents had been illegal for over 40 years. A lousy grocery-store credit card?! It used to be that kids with no credit started building a credit history with this kind of account. Or do they also claim her previous credit...
by legio XX
Sun Apr 05, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: Your Best Tips for Selling on eBay/Amazon/Similar?
Replies: 18
Views: 2475

Re: Your Best Tips for Selling on eBay/Amazon/Similar?

the short version - I've been selling on eBay for more than 10 years, Overall experience positive. I dropped off Amazon when they wanted my "Taxpayer ID" even though I was nowhere near the point where the IRS requires this. I had prepared a much longer comment, but the BH system kicked me ...
by legio XX
Sun Feb 15, 2015 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Tenants won't let us show the rental: what do we do?
Replies: 60
Views: 9006

Re: Tenants won't let us show the rental: what do we do?

This sounds like a job for your management company. Since the lease specifies your right to show the property, and you have made reasonable effort to work with them, why not tell the manager to begin eviction proceedings? That will either get them to cooperate or get them out if they are hiding anyt...
by legio XX
Sun Feb 15, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: Best Men's Winter Pants
Replies: 18
Views: 2050

Re: Best Men's Winter Pants

We live in the same territory so, FWIW, here's my solution: snow pants (intended for snowboarding and other winter sports) from EMS (paid $70) over regular clothes. I spend most of my time indoors, but try to walk a good bit even in lousy weather. The long underwear works OK, but then I'm indoors fo...
by legio XX
Wed Nov 19, 2014 9:17 am
Forum: Personal Consumer Issues
Topic: Medicare Part B - timing question
Replies: 3
Views: 951

Re: Medicare Part B - timing question

Also warn him to send everything Certified w return receipt. Very little is actually lost in the mail, but when I switched from my employer's plan to Medicare B the local SS office swore they never got the paperwork. I remailed w/ return receipt and when they still didn't respond I went with the rec...
by legio XX
Sun Oct 05, 2014 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding RMD's with 401K after age 70 1/2
Replies: 18
Views: 4723

Re: Avoiding RMD's with 401K after age 70 1/2

Hmmm. Never thought of rolling one of these accounts into another. Will have to look into it . . . I have two of them, one 401K and one 403B. They are only about 15% of my retirement fund. The intention is to roll each one into my VG traditional IRA when I stop working for the respective institution...
by legio XX
Sun Oct 05, 2014 8:45 am
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 149
Views: 17234

Re: Oatmeal suggestions

A year or two ago the bulb finally went on - I could cook real porridge in my rice cooker if I soaked it like brown rice. :shock: I have a 30+ year-old Zojirushi with 3 settings - cook, keep warm, and unplugged. Works fine although a bit messy if you don't allow a couple of minutes before opening. L...
by legio XX
Sun Aug 10, 2014 6:27 am
Forum: Local Chapters and Bogleheads Community
Topic: what gender are you?
Replies: 27
Views: 5968

Re: what gender are you?

OK, we need some vocabulary here. I have to give this lecture to students in introductory courses because they usually come in thinking that "gender" is what you call "sex" when you're in school. Wrong. sex - biological , the reproductive assignment, male or female, usually obvio...
by legio XX
Mon May 26, 2014 8:44 am
Forum: Personal Consumer Issues
Topic: Restaurants in New York City?
Replies: 42
Views: 3473

Re: Restaurants in New York City?

I'd be very careful using yelp. Apparently they let businesses squelch bad reviews if the business advertises on yelp. I trust tripadvisor more. I've heard chowhound is pretty good and zagats is trustwothy. Ditto - have avoided this site for a while. Seems to be over-managed by the "we fix you...
by legio XX
Mon May 26, 2014 8:35 am
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1349

Re: NYC for the day… what to do with the car

Assuming it is still there - the garage on 42nd St between 9th and 10th Aves used to be park it yourself.

It's been a long time since I kept a car so this needs to be checked up on.

Vic
by legio XX
Sun May 11, 2014 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Why I Don't follow AARP Any More
Replies: 18
Views: 2667

Re: Why I Don't follow AARP Any More

Ah yes, but do "those polled" understand that compensation isn't really tied to performance, but comes largely from fees and commissions? That the % charged on the underlying nest egg is what shows up on a statement, but is only a baseline? Etc.

Vic
by legio XX
Sun Apr 27, 2014 6:47 am
Forum: Personal Finance (Not Investing)
Topic: HELOC to pay off student loans?
Replies: 33
Views: 6120

Re: HEL to replace student loan (revised)

Hope this is totally irrelevant, but - the terms of student loans are the most draconian around. If you can swap it out for a lower interest rate and at better terms, almost any imaginable, you might want to think about it. If the worst happens and your finances crash, yes, you could lose your house...
by legio XX
Wed Apr 16, 2014 6:20 am
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 6179

Re: What is your net worth

Did the January thread come with instructions like a 1040? Some people must have a lotta time on their hands - or accountants?
by legio XX
Wed Mar 05, 2014 10:22 pm
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 7686

Re: Used $35k Porsche on $64k income?

Siiigh. Having driven but not owned both a Beemer and a Carrera . . . if I was your age with your income I'd go for the Porsche!

Sorry, back to my drooling fantasies,

Vic
by legio XX
Wed Mar 05, 2014 10:04 pm
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 9676

Re: Will this affect your Tipping?

I don't see the rationale for tipping at takeouts. This seems like an excuse for not paying employees a living wage. I'm not big on tipping for table service, but it is part of the social infrastructure, and those workers depend on it, so I always tip the baseline 15% unless service has been excepti...
by legio XX
Wed Mar 05, 2014 9:36 pm
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 7176

Re: Do you have a favorite chocolate bar?

OK, it's not a chocolate bar , but if there's a Beard Papa's within reach, try the chocolat fondant. The world's greatest finger food. [Unfortunately, they don't serve Japanese enamel-cracking coffee so do it as a take-out.] If chocolate isn't on the menu of the day, try the mochi bites - cocoa or g...
by legio XX
Tue Feb 18, 2014 7:17 am
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 105
Views: 17885

Re: "Chip" credit card for foreign travel

sperry8, I used my magstripe cards at automated Trenitalia kiosks in Venice last month with no problem. they didn't require chips. How do you know the kiosks you went to require chips ? Glad to hear it. I'm headed back to Italy next week. A couple of years back I couldn't use my card at the Trenita...
by legio XX
Mon Feb 17, 2014 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else use RMD to pay off student loan?
Replies: 2
Views: 435

Re: Anyone else use RMD to pay off student loan?

By today's standards, the interest rate was high. Some of these consolidated loans date back to when anything < 10% looked like a gift from Great Googamooga. So, if I kept the RMD until year end I would have earned whatever VG Total Bond market Fund will earn this year. Paying off the loan earned ~5...
by legio XX
Mon Feb 17, 2014 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else use RMD to pay off student loan?
Replies: 2
Views: 435

Anyone else use RMD to pay off student loan?

Facing the first RMD seems like the final milestone heading to official old age. I was going to delay until the bitter end, New Years Eve, but decided to take it right away and pay off the last of the student loan debt picked in the long pursuit of a mid-life doctorate. Saving a bit of interest didn...
by legio XX
Sun Oct 20, 2013 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Picking an insurance co for Medigap policies
Replies: 34
Views: 4017

Re: Picking an insurance co for Medigap policies

I was going to save this until I was sure that the problem(s) were fully resolved, but here's my tuppence re AARP/United: Earlier this year I switched from Medicare A + employer's program to Medicare A, B, D + Medigap. I chose AARP/United. Offhand I don't remember how I worked through all the candid...
by legio XX
Sun Aug 18, 2013 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 31
Views: 3244

Re: Dental Insurance

Dental insurance does function largely as a pre-payment plan, but given the cost of routine care it works out about the same, and when things do go wrong it gets you recognized as a human being in a dentist's office.

Vic
by legio XX
Mon Aug 12, 2013 9:30 am
Forum: Personal Consumer Issues
Topic: LinkedIn strategy?
Replies: 51
Views: 6016

Re: LinkedIn strategy?

I keep getting invitations from people I don't know or from people I do know who didn't send them. I also get endorsed for skills I don't have while the skills I do have never show up. Whenever I log in they ask to get into my email list, which I always refuse. Apparently some others are less fussy ...
by legio XX
Sun Feb 10, 2013 8:31 am
Forum: Investing - Help with Personal Investments
Topic: 401K choices
Replies: 4
Views: 726

Re: 401K choices

Thanks folks,

I passed this along.

Vic

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