Search found 375 matches

by legio XX
Sat Sep 03, 2016 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Employer mistakes 100% for 0% contribution to TIAA-CREF
Replies: 24
Views: 2083

Re: Employer mistakes 100% for 0% contribution to TIAA-CREF

Update: . . . Frustrated, I went online and found an IRS webpage on "Fixing Mistakes in Employer Contributions" in 401(k) accounts. Highlighting the sentence that says employers are REQUIRED to fix errors, I sent it to VP of Finance. This seems to have worked . . . Good for you! :beer
by legio XX
Sat Sep 03, 2016 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Employer mistakes 100% for 0% contribution to TIAA-CREF
Replies: 24
Views: 2083

Re: Employer mistakes 100% for 0% contribution to TIAA-CREF

I'm surprised that 100% is even allowed in the first place. 100% probably breaks the software and gives convulsions to the HR people . . . . This is probably the issue. Apparently even the new and improved computer/program has trouble with zeroes. Just had this problem when our department chair ent...
by legio XX
Sat Sep 03, 2016 6:32 am
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6650

Re: Frustrated Losing Weight!

Unfortunately muscle doesn't actually burn that many calories. There is a myth that has been around forever that 1lb of muscle burns ~50 calories/day. Unfortunately the real number is like 6 (fat is 2). So if you replace 20lbs of fat with muscle, you burn a grand total of 40 more calories/day. Now ...
by legio XX
Fri Sep 02, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1914
Views: 450949

Re: What Movie Have You Recently Watched?

Just watched this classic sci-fi by Ursula Le Guin, The Lathe of Heaven. You could find it on youtube, VHS quality. http://www.imdb.com/title/tt0081036/?ref_=tt_rec_tt I looked at it from a Taoist view but I'm sure many interpretation applies. In one of my courses, I assign Le Guin's translation of...
by legio XX
Fri Sep 02, 2016 8:08 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6650

Re: Frustrated Losing Weight!

Personally I find not eating before bed screws me up as I have problems sleeping, wake up super hungry and find it difficult to get the hour run in before breakfast. OK, this resonates. An hour before breakfast is my nightmare, but going to sleep hungry is a disaster. Toss and turn and drag all the...
by legio XX
Fri Sep 02, 2016 6:42 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6650

Re: Frustrated Losing Weight!

I think it works out to 1.5 cups of oatmeal. Is that cooked oatmeal or is that dry pre-cooked oatmeal? Must be cooked oatmeal, so mostly water? Definitely cooked. It's a big meal for me with fruit/nuts/a smidge of maple sugar if the scale is cooperating/milk/etc. but I guess for someone bigger this...
by legio XX
Fri Sep 02, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6650

Re: Frustrated Losing Weight!

From another 70-something who weighs less than in high school, my tuppence: Book: (cheap!) Losing Weight for Good by Lawrence J. Cheskin, M.D. Johns Hopkins, portion-control diet. Calculate what you need to maintain the weight you want and follow the diet outline for that many calories. It works, pl...
by legio XX
Mon Aug 22, 2016 8:29 am
Forum: Personal Consumer Issues
Topic: Best way to sell comic books?
Replies: 8
Views: 802

Re: Best way to sell comic books?

I sold all my comics on eBay 12 or 13 years ago, about 500 mostly 70s and 80s books. Not a collection as they weren't protected, just sat around in holders on open shelves. Some were damaged beyond the shelfwear. I did what you did except for picking out valuable singles - too lazy and assumed I did...
by legio XX
Sat Aug 20, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: Airbnb rental review
Replies: 32
Views: 3442

Re: Airbnb rental review

We have used Airbnb extensively and successfully, specially in Europe and NYC (now illegal for less than 1 m, boo!). Hoooorraaayyy!!! Sorry, but NYC is a rent-regulated city, and landlords jumped on Airbnb as a way to scam the system and take badly-needed apartments off the market. Sorry, but there...
by legio XX
Sat Aug 20, 2016 6:03 am
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 6511

Re: Improving the Bogleheads forum

If an interview a few years ago had gone better, one of the first things I'd have done - as soon as my feet got back on the ground - was to ask the Bogleheads for advice on buying a car, then probably on maintaining it. Unfortunately, I will still be scrolling past auto (and gun and boat and expensi...
by legio XX
Fri Aug 19, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 54
Views: 5690

Re: Long wait on Vanguard Phone Lines-What's going on?

Same here. I got an email offering condolences on my recent loss and reminding about RMDs on inherited accounts. Since this death occurred more than ten years ago, and I've been taking the required RMD since then, I got suspicious. Called Vanguard, waited most of an hour and got blown off by a guy w...
by legio XX
Sun Aug 14, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 8365

Re: Are you on Facebook?

Yeh. A couple of years ago I was organizing a project and colleagues convinced me that FB was necessary. Meh. Probably generational, but I just don't get it. I have a number of interests, and there's probably some way to tag material to go only to specific "friends" but until I find out ho...
by legio XX
Tue Jul 26, 2016 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Any retirees here who have been life-long renters?
Replies: 140
Views: 10229

Re: Any retirees here who have been life-long renters?

Can't say I retired early since I am over 70 and still working part-time, but if I won the lottery or the NY real-estate market returned to rational (about the same odds on either happening) I don't think buying a home would be my first thought. My friends the owners seem to have a second job being ...
by legio XX
Mon Jul 04, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Roku TV without carrier?
Replies: 27
Views: 2148

Re: Roku TV without carrier?

rob65 wrote:Here's a netflix link that discusses speed requirements and data usage:

https://help.netflix.com/en/node/306


Thanks, took care of what I was going to ask.

Vic
by legio XX
Mon Jul 04, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: What is your credit card APR?
Replies: 40
Views: 1797

Re: What is your credit card APR?

8.9 and 11.25 - don't run a balance, but it's fun to quote these when Salesperson tries to push a store credit card: Sales- Do you have a ____ credit card. blah, blah, sales, discounts, blah____? Me- What's the APR? Sales- 25 point nine-nine - and specials, discounts, blah . . . Me- (handing over my...
by legio XX
Sat Jun 25, 2016 6:55 am
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 12742

Re: Do You See it Now?

The British Pound is down to 1.37. It may be a good time to visit my jolly ole friends in London. Leave it to me - this is the year I decided not to go to a major UK conference and add a bit of professional development afterward and this is the year the L drops. Just think how much I could have sav...
by legio XX
Sat Jun 25, 2016 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Retirees >65 y/o: How much do you spend on health insurance?
Replies: 17
Views: 2292

Re: Retirees >65 y/o: How much do you spend on health insurance?

The package - including M'care B, M'gap F, M'care D and dental is $432/mo. I went with the high-end M'gap plan because I didn't want to be tempted to skip routine maintenance to save the costs if I took the high deductible to save on the premium. Fortunately, I take almost no meds because that's wha...
by legio XX
Mon Jun 20, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 222
Views: 27444

Re: Could John Bogle Be Right About International Stock?

OK, with two threads running I decided to look at my foreign holdings - all in VG ex-US index - and see if I can justify having them. First, it's a pretty small part of stocks, ~8%. I can afford to risk that much. In the past four years the gain has been ~9%. Roller coaster, up/down. Saw the same pa...
by legio XX
Sun Jun 19, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Former company controlling an 401K??
Replies: 5
Views: 851

Re: Former company controlling an 401K??

OK, this is dredging up some info from 25 years back, but I think he has 60 days to get it into another qualified plan - whether his new 401k or an IRA - to avoid the penalties and the taxes. It will count as a rollover. If he doesn't have an IRA he can open one pretty quick. Just rolling it from on...
by legio XX
Sun Jun 19, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Refrigerator
Replies: 39
Views: 2627

Re: Recommendation for Refrigerator

I was surprised to see Samsung recommended. For those that are happy with them, what model do you have? We have a Samsung that we bought about 6 years ago, and it's been a real pain. We've had to defrost it every 5-6 months because of a design flaw that causes frequent moisture and ice build-up tha...
by legio XX
Sun Jun 19, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 9055

Re: Would you pay 6x face value to see Hamilton on Broadway?

Well, we used to camp out for two days for the privilege of buying standing room tickets for the Royal Ballet so I guess I've done something as weird as paying <how much?????!!!! are you nuts!!!!????> to see a show. Can't remember the last time I reluctantly paid the fees for online ticket-buying at...
by legio XX
Mon May 30, 2016 9:04 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 5238

Re: What was your first investment?

10 bucks in a Savings Account IRA at Barclay's. When I got it up to the stunning sum of $500 I got a CD IRA which was paying something ridiculous like 8% at the time. Took a few more years to get into money market mutual funds and a few more to dip a toe into stock funds.

Vic
by legio XX
Mon May 30, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: Yoga or Pilates or Something Else?
Replies: 43
Views: 3014

Re: Yoga or Pilates or Something Else?

Pilates. Personal preference. Also prefer a scheduled class workout; not very good at working out on my own - except for PT homework :( Women aren't competitive in working out - you're kidding, right? Seriously, the attitude of a class is a reflection on the instructor. You should probably check out...
by legio XX
Mon May 30, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1914
Views: 450949

Re: What Movie Have You Recently Watched?

Fritz Lang's Destiny (1921) - I have a soft spot for silents.

And the no-longer-new Star Wars just before it vanished from the theatres.

Hey, that's two movies since the semester ended . . . more moviegoing than most of last year.

Vic
by legio XX
Sun May 15, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: pdf editor
Replies: 11
Views: 1057

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: 1057

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: 2382

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: 1057

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: 3967

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: 16392

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: 14845

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: 14845

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: 3902

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: 1616

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: 16859

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: 16859

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: 6149

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: 1670

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: 621

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: 621

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: 621

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: 3138

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: 14046

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: 3912

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: 2183

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: 5857

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: 5838

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: 3365

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: 3365

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...

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