Search found 438 matches

by legio XX
Mon Sep 10, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 18
Views: 1869

Re: finding the error in my federal tax return

Yep, that's the message. Thanks, will go back and try again. While I wait for the IRS to tell me all the paper I just sent them should have been submitted to my non-existent online acc't . . . .
by legio XX
Mon Sep 10, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: IRS: Great customer service?
Replies: 26
Views: 2567

Re: IRS: Great customer service?

I prepared to call the IRS. I blocked out a chunk of my afternoon. I expected to descend into phone tree purgatory with no satisfactory resolution of my problem. There was a phone tree. There was a 15 minute hold time. However, I was connected with a very helpful customer service agent who had acce...
by legio XX
Mon Sep 10, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 18
Views: 1869

Re: finding the error in my federal tax return

If you don't mind spreadsheets, see either of https://sites.google.com/site/excel1040/ (Prettier formatting) . . . This looks good, but it won't let me actually enter any information, not even the basic stuff like line 7. I get messages that the cell is protected, etc. And I can't unprotect the fil...
by legio XX
Sun Sep 09, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 18
Views: 1869

Re: finding the error in my federal tax return

If you don't mind spreadsheets, see either of https://sites.google.com/site/excel1040/ (Prettier formatting) . . . This looks good, but it won't let me actually enter any information, not even the basic stuff like line 7. I get messages that the cell is protected, etc. And I can't unprotect the fil...
by legio XX
Fri Aug 31, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Body language coach?
Replies: 26
Views: 2876

Re: Body language coach?

This is the most sound advice so far. Also the advice to be videotaped. Very revealing. Be yourself, do not copy anyone. Are you a product expert? If not become one. That will shine through above any personality traits. Body language can be learned, however. It’s a matter of not allowing inner thou...
by legio XX
Mon Aug 27, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 18
Views: 1869

Re: finding the error in my federal tax return

Folks, Thanks. Just to let you know that I am following up on some of the suggestions. I had a lot more capital gains this year - consider it a kind of rebalancing - and expected a bit of a hit. But, I am pretty far down the income scale so it was more than I expected. The increased SS liability was...
by legio XX
Mon Aug 27, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 18
Views: 1869

finding the error in my federal tax return

I do my taxes by hand and until 2017 no problem - the one gaffe I can recall, they sent a larger refund. The feds want an extra couple of hundred for 2017, and they are probably right, but I want to find where I loused up, and they don't tell you that part. I don't file online, but I have no objecti...
by legio XX
Mon Aug 27, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3686
Views: 1057168

Re: What Movie Have You Recently Watched?

New Spike Lee movie was very good. Made me really sad at the end though. Watched this with a mixed group of older folks who could remember the times involved and early-arriving students, mostly foreign, plus a few Spike Lee devotees, filmmaker majors. The various groups reacted at different points ...
by legio XX
Sun Jul 15, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 8871

Re: Be Careful Using Mailboxes

The main point here is concern about mail being stolen from USPS drop boxes. It would arguably be wise to avoid as much as possible placing mail in a drop box after the last pickup for the day. USPS typically lists scheduled times for pickups on the boxes. Yeh, there are notices on the mailboxes (N...
by legio XX
Wed Jun 20, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8903

Re: gray hair

A competent stylist/colorist makes all the difference in the world. When my long-term stylist retired it took me a couple of years to find another and no way I could afford to keep up the color. Don't really miss it. Good coloring is subtle - most people never noticed I wasn't natural because a reas...
by legio XX
Mon Jun 18, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 6223

Re: Lost job. Take early SS or draw from accounts?

Got it. Wants a solution without changing anything. Many folks want that, but sometimes we have to do what we have to do. Eventually, we run out of alternatives and money. Big difference between not changing anything and considering carefully what to change. "Move, New York is so expensive . . ." i...
by legio XX
Mon Jun 18, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 6223

Re: Lost job. Take early SS or draw from accounts?

I think she basically wants me to help her find a job. That would be the ideal solution, to be unemployed for as short a time as possible. Just the exercise of putting together a new resume could be an eye-opener. :shock: I just did a skills-based resume and the "translation" from the academic CV t...
by legio XX
Sun Jun 17, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 6223

Re: Lost job. Take early SS or draw from accounts?

I suggested she move to a LCOL area, get rid of her car, get a roommate, etc, but I was shut down on everything. All good suggestions. Rejecting all of them out of hand says either doesn't understand the situation, has given up, or just doesn't want your help. That's unfortunate. I frequently get s...
by legio XX
Fri Jun 15, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 4049

Re: Non-alcoholic drinks for wedding

It is an afternoon wedding. We are serving 2 types of meat, fresh fruit salad, rolls, 2 or 3 kinds of pasta salads, and I feel like there is something else that I can not remember off the top of my head Salad salad, the green stuff? Any kind of vegetable? Pasta salads can be kind of heavy. Whole gr...
by legio XX
Fri Jun 15, 2018 5:48 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 4049

Re: Non-alcoholic drinks for wedding

For various reasons (people taking multiple meds not compatible with alcohol, people in recovery) some people made their entertaining and events chem free (no smoking, alcohol or recreational drugs) a long time ago. We all survived. If you go the soda/pop route, please provide water, fizzy water (se...
by legio XX
Thu Jun 14, 2018 5:46 am
Forum: Investing - Theory, News & General
Topic: The Deep History of Stock & Bond Returns
Replies: 75
Views: 5505

Re: The Deep History of Stock & Bond Returns

Just to add more flavor to the deep history of stocks and bonds, beyond the tables and charts: Early Bond Trading Era — 14th century bankers in an Italian counting house. https://i.imgur.com/2rPoKUg.png Source: Wikipedia This is a depiction of the vice of avaritia (greed). :twisted: https://www.bl....
by legio XX
Sun Jun 10, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' College Philosophy question
Replies: 68
Views: 4034

Re: Bogleheads' College Philosophy question

Community college can be a very good way to save on 2 years of undergrad. Yes, it can save money, but it's not as straightforward as this post implies. There are surprisingly highly qualified faculty members. Because there are no other jobs available, especially in fields like humanities. People wh...
by legio XX
Sat Jun 09, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5662

Re: Rowing machine motivation

+1 on what black jack said. It all depends on what you are trying to do and where you are starting from. I was advised to try a rower because I can't run - knees won't take it - and quick-walking on the treadmill with the elevation ramped up was booooring. And I just didn't feel worked out even thou...
by legio XX
Sat Jun 09, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3686
Views: 1057168

Re: What Movie Have You Recently Watched?

We just went to see Solo and we loved it. I recommend it. Solo: A Star Wars Story, about the beginnings of Han Solo, was excellent. Saw it today. The young actor gave a plausible interpretation of the character that Harrison Ford took on. And Woody Harrelson was just excellent. As was the young Lan...
by legio XX
Thu May 31, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Roommate in a house?
Replies: 32
Views: 3153

Re: Roommate in a house?

Agreed with most of the advice above. It's likely not worth it to her to claim rental depreciation. Do you earn equal incomes? If not, why split the bills 50/50? It's up to y'all too decide what works for you, but I think it avoids fights about "fair share" to split according to income. Plus then y...
by legio XX
Wed May 30, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 5102

Re: My mind exploded

Meh, I'd consider $150 shoes relatively cheap. I wouldn't consider that cheap unless dress shoes maybe, let alone sandals Actually sounds pretty tame; it could have been tattoos or piercings . . . bail money . . . Cheap is relative. Finn Comfort sandals around $300, wear daily for a couple of summe...
by legio XX
Wed May 30, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9655

Re: Router hack, have you acted?

I have no idea how to update firmware, change passwords, or alter the security settings on my router. The cable guy set up the modem and router when he installed the cable internet, and I just use the wifi. He did ask me to select my own password. The extent of my ability to deal with this issue is...
by legio XX
Sat May 26, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Magic Jack Go vs Obihai obi200- which one as landline replacement?
Replies: 30
Views: 3663

Re: Magic Jack Go vs Obihai obi200- which one as landline replacement?

chrissv wrote:
Fri May 25, 2018 9:18 am
legio XX wrote:
Fri May 25, 2018 9:00 am
If I buy an Obi will it work with any VOIP provider?
Yes, it will work with any provider.
Thanks!
by legio XX
Sat May 26, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 9238

Re: Help Buying Mens Shoes for Work and Dating

UpperNwGuy wrote:
Sat May 26, 2018 6:42 am
. . . On the other hand, don't get any shoes that have thick rubber, treaded soles. Girls consider such shoes inappropriate for anything but hiking. . .
Don't think a 35-year-old man would be dating a "girl." Shoes are probably a long way behind fit, presentable, breathing.

Vic
by legio XX
Fri May 25, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Magic Jack Go vs Obihai obi200- which one as landline replacement?
Replies: 30
Views: 3663

Re: Magic Jack Go vs Obihai obi200- which one as landline replacement?

OK, one more query from the techno-challenged: I looked up Obi 100/200. Like Watty I'm not enthusiastic about the Google data vacuum and rather use something else. They get enough from me through my work acc'ts. Will also look into Steven's suggestion, Vimeo. If I buy an Obi will it work with any VO...
by legio XX
Thu May 24, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6694

Re: What’s your phone/internet bill?

T mobile over 50 plan, 1 line = 50.00 unlimited Use the phone as a hotspot for internet use: email, bogleheads, news articles. No problems. Cancelled my land line so that is it. Live near city so have many over the air tv channels. Same here on the phone; pay $15 for internet although kinda slow. I...
by legio XX
Thu May 24, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Magic Jack Go vs Obihai obi200- which one as landline replacement?
Replies: 30
Views: 3663

Re: Magic Jack Go vs Obihai obi200- which one as landline replacement?

I've used Magic Jack for years and am very happy with it. Was able to port my home phone # and use all of my existing phones. Low cost annual fee and you can get it even lower by paying for 5 years. Set it and forget it. Mel, I'm glad you've had good luck with Magic Jack, but I just had a second on...
by legio XX
Sun Apr 01, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Nice article on saving money and financial independence
Replies: 36
Views: 5701

Re: Nice article on saving money and financial independence

Ron wrote:
Sat Mar 31, 2018 11:59 am

"plus has a additional income from side hustles including selling furniture she refurbishes on Craigslist and eBay as well as house and dog sitting"

That's probably providing another $50k of annual income :mrgreen: ...

- Ron
You're joking, right?
by legio XX
Sun Apr 01, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: taxes: e-file vs. paper
Replies: 51
Views: 4291

Re: taxes: e-file vs. paper

I'm just sticking with what I'm used to - paper and pencil. When I'm through erasing I fill out the clean copies in ink and send them off. This year there was $$ owing :annoyed so I sent a check and sprang for certified w return receipt. While it might be useful to have a program check my numbers, I...
by legio XX
Sat Dec 23, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 20225

Re: How low will it go? BTC is crashing! (contest)

Bitcoin is now down to $13,500, 30% drop from All Time High (>$20K) only 4 days ago. Precipitously dropping since 3 hours ago. Contest: Name the value of BTC at close of today (I will look at 2300 western time), or lowest of the day, whichever is LOWER. Reward: Bragging rights, and for fun. No idea...
by legio XX
Fri Dec 08, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 13739

Re: Price of haircut?

I disagree. I used to be a hair stylist and my wife still is. 30 years ago I was an apprentice in several of the top hair salons in New York City and worked in New York (upper west side) for several years after that. You can find an amazing hair cutter/stylist for $20. IMHO charging $140 for a man'...
by legio XX
Fri Dec 08, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: router - can I set it up myself?
Replies: 15
Views: 1374

router - can I set it up myself?

My techno-competent neighbor who usually "helps" with computer issues is not here right now. I need to buy and set up a new router. Right now running on IS- provided modem and need to add router. I don't want a combo - that's what stopped working a little while back. I've been busy/travelling and co...
by legio XX
Sun Dec 03, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 6573

Re: How Do You Stay Current With Popular Music?

+1 on YouTube, not new but useful. Haven't been big on popular music for a loooong time - can't name anything the current megastars put out - and sorry, but I can't call that singing. If you want to explore, YouTube is a rabbit hole in the good sense. A few years ago, I looked for a recommended Greg...
by legio XX
Sun Dec 03, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an index
Replies: 10
Views: 1268

Re: For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an inde

Grabiner,
Thanks! This gives me a clearer picture and -yeh- I did forget about the taxable portion of SS, which is always a PITA; thanks for the reminder! I do my taxes on paper, but maybe it's time to at least get some software to work it all out.

Vic
by legio XX
Sun Dec 03, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of going "back" to school nearing 40?
Replies: 24
Views: 3182

Re: Thinking of going "back" to school nearing 40?

Not the same situation, but - I started grad school at about your age and defended a dissertation in mid-50s. Still earn a few bucks teaching undergrads part-time. I'm typing this from deep in the EU having just attended the inaugural meeting of a learned society and been elected to its board of dir...
by legio XX
Sun Dec 03, 2017 5:14 am
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 6216

Re: How do I convince my employees to invest more?

You've gotten a lot of advice already, so I won't repeat the praises of opt-out. I do know of one situation where the employer switched to that option. A friend who works there told me about it because a number of co-workers asked for her advice. The not-large Co. sent out some standard meet-the-leg...
by legio XX
Sun Dec 03, 2017 4:12 am
Forum: Personal Finance (Not Investing)
Topic: For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an index
Replies: 10
Views: 1268

Re: For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an inde

Not an ACA comment, but for taxes in general. I looked this up because I wanted to move a bit from taxable stock index to cash this year rather than next and was wondering about consequences. As a set-it-and-forget-it investor I have a lot of long-term capital gains! If I read correctly (not always ...
by legio XX
Sun Dec 03, 2017 3:48 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 13739

Re: Price of haircut?

I don't believe that for once I'm on the high end of a Boglehead thread! OK, New York is expensive, but I could find cheaper haircuts. I did, and I decided they weren't worth it. I pay $140 (!!! not a mistake) plus a tip to the student/assistant who does the shampoo. Same price for everyone who sits...
by legio XX
Fri Oct 13, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 7595

Re: Help me understand what happen with the new law and ACA subsidies

Unless one is ill, I think many under 65 will be able to find some type of job with medical coverage. I think employer funded health care is far superior to Medicare. This does not coincide with my experience on both points. For those still in the "market," I can only suggest dogged determination t...
by legio XX
Sat Sep 02, 2017 6:57 am
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 4503

Re: Driving a car Italy, any suggestion?

I've rented in Italy 10-20 times over past several years with a US drivers license, multiple agencies (US-based brands, Sixt, others). Nobody ever asked for IDP for what it's worth, notwithstanding stated policies. I've never had issues with unexpected charges, spurious claims of damage, etc. It he...
by legio XX
Fri Jul 28, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 8588

Re: Free Reading

rgs92 wrote:Do brick-and-mortar libraries have a useful purpose anymore? Are they worth the public funds they cost? Just asking.
Yes, and yes.
by legio XX
Sun Jul 09, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 4063

Re: Luggage recommendation

Another + for Eagle Creek. I have a soft-sided bag with only two wheels and a zip-off day pack. It has to be 20+ years old, and I've been "going to get a new one" for at least the past seven years. That's when I had to replace the wheels - which they supplied without cost, a genuine freebie. It look...
by legio XX
Thu Jun 22, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard restricts my account due to mail?
Replies: 41
Views: 4376

Re: Vanguard restricts my account due to mail?

Yeh, I've had this happen twice in the past year or so. Address has been the same since I first invested with VG over 25 years ago. I had to call them and go through a song and dance, but assumed this fixed the problem. The mail started coming again, etc. BUT, bright young thing didn't tell me that ...
by legio XX
Wed Jun 14, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 12811

Re: Worth it to buy expensive clothes?

I'm on the low end of the income scale among Bogleheads. My usual uniform is $20 cargo pants from Modell's or thrift shop Levis. But, when I do splurge I seldom regret it. Fratelli Rossetti shoes (only when on sale), some Ralph Lauren shirts (actually turned the collar and kept wearing it until the ...
by legio XX
Wed Jun 14, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Best windows based laptop
Replies: 24
Views: 2182

Re: Best windows based laptop

Don't know if it's still available, but I finally decided on Lenovo Yoga 700 from Costco. Cost came in at ~ $600 with extended warranty (yeh, I know, but on the advice of a more techno-savvy friend . . . ). Wanted small and light to haul around. It has 8 gig ram and 256 SSD, Intel CORE m5. Still lea...
by legio XX
Mon Jun 12, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 309
Views: 43405

Re: Good Modern Science Fiction

Just finished Martha Wells' novella All Systems Red . Just cracked up as the humans try to get a Murderbot to talk about its feelings. Wells' Raksura books are also well worth the read. BTW, liked Old Man's War . Reminded me of Heinlein's Starship Trooper where the recruits were laughing as some old...
by legio XX
Sat Apr 22, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 4281

Re: Medigap Insurance Plans

Spirit Rider, Thanks. I'll start looking at hi-deductibles again. $2200 is not so bad when offset by lower premiums in "good" years. Went on full M'care about six years ago when my employer's plan went through the roof. Used not-routine services twice, so - given the discipline to stash the premium ...
by legio XX
Sat Apr 22, 2017 2:38 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 143
Views: 23564

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

Mel Lindauer wrote:
LadyGeek wrote:
The answer is still no.
And it will be "NO" tomm. and next year and the year after that for all eternity. It ain't gonna happen. Period.
Good. :beer

Vic
by legio XX
Sat Apr 22, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 4281

Re: Medigap Insurance Plans

I don't know where you received this information. Hi-deductible plan F is not going away. Only plans that pay coverage before a deductible or co-pay (Plans C & F). In fact the law does not mention plans by name, only disallows new enrollment starting in 2020 in plans with first dollar coverage. Oh ...
by legio XX
Mon Apr 17, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Win 10 issues [Windows 10]
Replies: 35
Views: 5075

Re: Win 10 issues [Windows 10]

sandramjet wrote:just open the windows explorer widget (looks like a file folder on the taskbar). Enter your search term in upper right corner field that has a magnifying glass icon. works just like in win7, etc.
Got it! . . . kept walking right past it . . .

Thanks a lot :beer ,

Vic