Search found 532 matches

by Good Listener
Wed May 23, 2018 8:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 97
Views: 14058

Re: [Virtual online chapter - Master thread]

It was great lazylarry. Thanks for arranging. I wanted to donate so you could get to your goal to avoid needing to change links at 40 minutes but I don't use PayPal. But then it lasted on 1 link for more than an hour. Did you reach your $150 goal per your recent comments here?
by Good Listener
Wed May 23, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 96
Views: 3974

Re: How have you upgraded your wardrobe?

When you retire, you can be like me. I haven't worn shoes or a sports jacket in 2 years except for 1 funeral. My daily wear is sweat pants and hoodies in the cold unless I need my LL Bean Gortex jacket in the super cold. Spring and summer and fall are wicking Hanes t shirts and wicking gym type shor...
by Good Listener
Tue May 22, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: How do I tell if Roth conversions are worth the trouble?
Replies: 56
Views: 3811

Re: How do I tell if Roth conversions are worth the trouble?

I don't know why people seem it's essential to stay in the same bracket and not go a few per cent higher. I believe strongly that we are now at tax rates that are the lowest any of us will ever see. I would convert it all to Roths no matter what the bracket, and I am doing that.
by Good Listener
Mon May 21, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1354

Re: Medicare and Cataract surgery - one or two charges?

As a doc, I prefer to keep things as simple as possible. So I went with the basic lenses. I used a private ophthalmologist rather than a cataract mill, and he told me well over 90% went with standard monofocal lenses, and that's what he would choose for himself. After my supplemental plan F, I paid...
by Good Listener
Mon May 21, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1354

Re: Medicare and Cataract surgery - one or two charges?

If you have them together or separate, what difference does it make once you've paid the deductible? And even if somehow there is a difference, would you really risk both eyes at the same time?
by Good Listener
Sat May 19, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Year End Tax Forms
Replies: 7
Views: 658

Re: Vanguard Year End Tax Forms

I just downloaded the 2017 form 5498 to my computer and saved it on Dropbox and Google drive along with all my 2017 forms. Why not just save the files digitally forever?
by Good Listener
Fri May 18, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile phone service
Replies: 8
Views: 655

Xfinity Mobile phone service

This is a new service from Comcast that is available to customers with phone or Internet (I have both). Although one has to buy the phone from them, as of now, it is free for phone and text and charges $12 per gig of data per month. In my area there are so many xfinity hotspots that even though I us...
by Good Listener
Fri May 18, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 5991

Re: Neighbor wants to use our land temporarily - let them or not?

I would want to be as friendly as possible as many of you are proposing. I have a question though. Let us say a worker trips or falls or has an accident on your property while moving or lifting the equipment and is killed or severely injured or disabled (he has 5 kids and is a single parent to top i...
by Good Listener
Thu May 17, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 26
Views: 3105

Re: more rotten service from Vanguard [ACH transfer, fund availability]

I did an ACH from Vanguard to Chase 2 weeks ago. I initiated it on Day 0 at 3 PM and it was in my Chase account on Day 2 when I woke up. Sometimes some people are too critical of Vanguard. We save so much money from their reduced fees that is worth tolerating a day or two of delays on occasion.
by Good Listener
Wed May 16, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 5970

Re: Would you send your children to private school in my situation?

It is 2 % of your income. Cost should be no consideration.
by Good Listener
Wed May 16, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9639

Re: how do you tip on wine at a restaurant

I'm glad I don't drink in restaurants. To read that a person pays $50 for food and 1.5 times that for wine is so strange to me. Can people not hold off for an hour or two? But to OP, I agree. The few times I have been forced to order wine for others (I always pay :oops: ), I applied a $10 tip for it...
by Good Listener
Mon May 14, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Executor - Vanguard
Replies: 9
Views: 1131

Re: Executor - Vanguard

I have a Special Needs Trust that I set up for my special needs daughter. It is currently unfunded (it is a beneficiary of my taxable account) , but I had my lawyer put in all the language Vanguard wanted. I dealt extensively with the Trust Department at Vanguard which is how I learned of all their ...
by Good Listener
Mon May 14, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Considerations in selecting a hearing aid
Replies: 14
Views: 584

Considerations in selecting a hearing aid

I have bitten 5he bullet and realize I actually have to have hearing aids. I know they're a pain. . I will provide some pricing information but prices are not a prime consideration. I saw a private audiologist who gave me a thorough hearing exam last week and deals with items in the $6,000 range per...
by Good Listener
Thu May 10, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Amazon package that can't be traced
Replies: 72
Views: 3840

Re: Amazon package that can't be traced

I think Victoria has a secret admirer who simply has no concept of women's clothes sizes. Maybe roses will follow.
by Good Listener
Thu May 10, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B sticker shock - should I appeal
Replies: 7
Views: 1324

Re: Medicare Part B sticker shock - should I appeal

It is amazing as most of us have no clue. You haven't gotten hit with the IRMAA for Part D which took a few months to get onto the bill, whicn is about another 80 per month at the max....(same cutoffs as Part B). For everybody's information, from the Medicare website, the maximum for Medicare premia...
by Good Listener
Tue May 08, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5474

Re: How to handle problem employee

I've been there and you have identified a problem. I think if you are a young manager I would give in to her. This type of employee is one second or one word away from going to HR and putting you into a lot of trouble.
by Good Listener
Mon May 07, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Am I the Only One That Has Trouble Reading the Vanguard Online Entries
Replies: 6
Views: 854

Re: Am I the Only One That Has Trouble Reading the Vanguard Online Entries

I feel your pain. That's why I continue to be a dinosaur and resist the Vanguard brokerage account and continue my mutual funds only account.
by Good Listener
Sat May 05, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: The Boglehead Philosophy Tested in the Classroom
Replies: 8
Views: 1252

Re: The Boglehead Philosophy Tested in the Classroom

You are young and learning. I urge you to view this as nothing other than luck. 9 weeks is not enough to evaluate anything and if you subjected the different groups to a statistical analysis with appropriate adjustments I suspect there would be no difference between groups. Was any statistical analy...
by Good Listener
Sat May 05, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Sprinkler system burst, company won't honor guarantee, what to do?
Replies: 21
Views: 3175

Re: Sprinkler system burst, company won't honor guarantee, what to do?

The person is either long gone or will file for bankruptcy most likely. I wouldn't waste a second on anything other than getting it repaired.
by Good Listener
Sat May 05, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Best Forex Books?
Replies: 5
Views: 521

Re: Best Forex Books?

The best book would ne the Bigleheads guide to investing. If you think you can beat the expertise of the big firms and all of their wants and sophisticated systems, you will be in for a hard lesson. If somebody could write a book on how to win at Forex, they wouldn't write it. Please limit your expo...
by Good Listener
Sat May 05, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Inlaws are 100% in a single stock - help diversify
Replies: 21
Views: 2520

Re: Inlaws are 100% in a single stock - help diversify

Coming from a retiree,,,,,,,,These are in laws. Tread lightly. I think it might be best for the child only to be interacting with them.
by Good Listener
Wed May 02, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance strategies for working Medicare recipient and non-working spouse
Replies: 11
Views: 747

Re: Health insurance strategies for working Medicare recipient and non-working spouse

My spouse, who is 65 and on Medicare (along with a Part D plan and Medigap plan subscribed before returning to the workforce) has taken a position with decent health insurance through a Aetna PPO (company pays 80% her, 70% of mine). I am retired, and a couple years away from 65. We are now trying t...
by Good Listener
Tue May 01, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Converting my Vanguard account to the brokerage platform
Replies: 7
Views: 680

Re: Converting my Vanguard account to the brokerage platform

I think there are major disadvantages but await confirmation. 1) All distributions I believe go to a new Federal Money Market fund and can't be directed to the money market fund of your choice. 2) all distubtions are aggregated on a 1099 which has some benefits but makes it a little more difficult i...
by Good Listener
Tue May 01, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Fiber cable on front lawn
Replies: 39
Views: 2588

Re: Fiber cable on front lawn

I think any competent general or real estate lawyer could construct a very effective letter. I cannot imagine the company liability if somebody trips and gets I hired after a formal written complaint.
by Good Listener
Mon Apr 30, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 6841

Re: How would you handle a request for money from a niece?

If my mother did not give a granddaughter $100 I would be very angry. Whether it was my daughter or a siblings daughter. At 90 yeats9old she can't afford the $100? Are you somehow emotionally involved in this? $100 isn't worth a minute' s thought.
by Good Listener
Mon Apr 30, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth it to dissolve this inherited annuity?
Replies: 33
Views: 2283

Re: Is it worth it to dissolve this inherited annuity?

One factor often ignored is that taxes WILL be paid...its just a matter of when.
by Good Listener
Mon Apr 30, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: When to buy a new car (need to find a Boglehead way)
Replies: 34
Views: 2676

Re: When to buy a new car (need to find a Boglehead way)

Looking at the cost per year is important. But, not the only thing. Cars are very personal. One thing I've learned is that people (for the most part) don't want to drive the same car for that long. You are at 4 years. The car has lots of life left. But, I am thinking you probably want a new car. Th...
by Good Listener
Sun Apr 29, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance, do we need it and how?
Replies: 23
Views: 2502

Re: Health insurance, do we need it and how?

I would never for a single day be without high quality medical insurance. Even if you returned and signed up for an ACA policy, you don't know if the best institutions for cancer for example are in the network and it is not like you get accepted the day you apply.
by Good Listener
Sun Apr 29, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is McClung "slice and dice" worth the complication?
Replies: 40
Views: 2752

Re: Is McClung "slice and dice" worth the complication?

I think there are far better uses for your time. Any increment (again, if any) will likely be very small.
by Good Listener
Sun Apr 29, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Preventing Smoke from Seeping In
Replies: 22
Views: 2179

Re: Preventing Smoke from Seeping In

The condo board is Irrelevent (to the prior poster) as the unit in question is not part of the condo association. Unless it is illegal, I don't think court will help and it is unlikely a person will stop smoking if asked. So your original question of how to mitigate the smell hopefully will generate...
by Good Listener
Fri Apr 27, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: VG's puzzling Wash Rules Ruling
Replies: 13
Views: 1111

Re: VG's stubborn Wash Rules Ruling

At the outset let me say this is not asking for tax advice, but a consumer issue with Vanguard. I am asking for other BH's suggestions in dealing with what I perceive as Vanguard's stubborn, misguided and overall subpar customer service. The situation: Early in 2018, I purchased VIMAX, Vanguard Mid...
by Good Listener
Mon Apr 23, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10107

Re: Salary Negotiation gone sour

Thesaints wrote:
Mon Apr 23, 2018 4:52 pm
If they took someone else because of 3k/yr losing that job was actually positive for you.
This. I would run away....
by Good Listener
Sat Apr 21, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Can physician charity services (or expenses) be written off?
Replies: 10
Views: 933

Re: Can physician charity services (or expenses) be written off?

As a now retired physician who donated a lot of free care, I suggest you just donated it and don't try to get a tax deduction. Then you really will have donated.
by Good Listener
Sat Apr 21, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 79
Views: 9603

Re: Inheritance Changing Lifestyle

I would beware a spouse trying to abuse this. How dare he/she.
by Good Listener
Sat Apr 21, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3305

Re: Medicare Questions

They will try come up with all kind of justifications. I have yet to find an anesthesiologist who makes < $500K. They find little sympathy from me. I have great admiration for the medical profession. Not so much for anesthesiologists. Other doctors have to deal with the same insane health care syst...
by Good Listener
Sat Apr 21, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 168
Views: 13232

Re: I’m still not a fan of international bond funds

I don't think you will find half a dozen people at this site who are fans of international bond funds.
by Good Listener
Fri Apr 20, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11290

Re: New retirees: so whatdayathink ?

Retired 1 year. I walk a lot and read a lot and don't use an alarm. I now have medical issues I never had before I was 65 and have time to go to doctors. I walked 4.5 miles each way today today to a cardiologist whom I had to browbeat into a nuclear stress test in a few weeks when I will do the same...
by Good Listener
Fri Apr 20, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Primary and secondary medical insurance - Out of pocket costs & deductibles
Replies: 1
Views: 247

Primary and secondary medical insurance - Out of pocket costs & deductibles

I have a question about whether what I am asking is a legal issue, moral issue, neither or both. It is fairly common I would think in this age of deductibles, coinsurance and out of pocket maximima. This involves a child under 26 with private medical insurance coverage from both parents. They both w...
by Good Listener
Fri Apr 20, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8743

Re: Need for Medicare supplemental plan?

No, you are not automatically eligible to change every year. Do some googling. Googling, it looks like you have the right to switch from one Medicare Advantage plan to another Medicare Advantage plan once a year. However the same does not apply to Medigap (You don't have the right to switch from on...
by Good Listener
Thu Apr 19, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 4173

Re: Costco Free Screenings

Bah. I am within walking distance of the one in New Jersey in Lawrenceville and am there about three to five times a week. And of course all they have this year is osteoporosis screening on the schedule which is for females. But I must say it is scheduled for April 18th and I have seen no signs at ...
by Good Listener
Wed Apr 18, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to argue for S&P
Replies: 15
Views: 1047

Re: How to argue for S&P

I have an interesting idea. Why argue with the person? Let the person do what they wish and you do what you wish. :sharebeer
by Good Listener
Wed Apr 18, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 4173

Re: Costco Free Screenings

Bah. I am within walking distance of the one in New Jersey in Lawrenceville and am there about three to five times a week. And of course all they have this year is osteoporosis screening on the schedule which is for females. But I must say it is scheduled for April 18th and I have seen no signs at ...
by Good Listener
Wed Apr 18, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8743

Re: Need for Medicare supplemental plan?

If you choose MA and then have medical problems, you may never be able to get a supplement. I wouldn't do it.
by Good Listener
Tue Apr 17, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5602

Re: I want to pay off my mortgage. Am I crazy?

I had a mortgage on my 2nd residence. I paid it off after 1 mortgage payment as I hated owing anything . Pay it off and get pleasure :sharebeer .
by Good Listener
Tue Apr 17, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Homebuyer buying a FSBO home, help!
Replies: 11
Views: 1058

Re: First Time Homebuyer buying a FSBO home, help!

I would never buy from a FSBO. By definition, they are trying to save on every possible fee. They will nickel and dime you. IF you still want to proceed beware.