Search found 560 matches

by legio XX
Mon May 11, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 436
Views: 75054

Re: Good Modern Science Fiction

The murderbot novellas are very good (and short so you can easily decide if you like them) and the author just released a full length novel. I loved the murderbot novellas and am very happy to hear about a new novel. Martha Wells, Network Effect . Don't believe I actually just paid for an e-book fo...
by legio XX
Sat Mar 21, 2020 2:33 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50803

Re: How Is Your Job Being Impacted By The Current Crisis?

We had less than a day's notice that classes (college) were first suspended and then moved online for the rest of the semester. This left us with a long weekend to retool face-to-face classes for online. We seem to have hit the ground running, but the landing was rougher from some than for others. T...
by legio XX
Fri Mar 13, 2020 7:21 am
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12396

Re: Are you still going to the gym ...

This week I didn't go as often. Only two days instead of my usual five. I'm 75 y/o. But today my 80 y/o brother told me that he hadn't missed a day because he wanted to "stay in shape" to ward off the caronovirus or do better if he contracted it. ... Ditto. Age 76 here and actually went more often ...
by legio XX
Mon Mar 09, 2020 10:15 am
Forum: Personal Investments
Topic: Parents retiring with $500k saved - Things look OK?
Replies: 83
Views: 9913

Re: Parents retiring with $500k saved - Things look OK?

Moving 50 miles from friends and family to save a few bucks that you don't need doesn't sound like a great option unless you are worried about maxing out your kids inheritance. The scary part of this post isn't the house or expenses. It is the single stock risk. Yeh, there are considerations other ...
by legio XX
Sun Mar 08, 2020 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: What USPS “Snail Mail” Option Do You Recommend for Tax Return?
Replies: 57
Views: 3092

Re: What USPS “Snail Mail” Option Do You Recommend for Tax Return?

If I owe them, certified with return receipt - although the Priority Mail envelope looks like a good alternative. Didn't know it was up to $7.75!!! If I don't owe, vanilla first class. First class 4oz large envelope certified return receipt is $8.00; $6.85 electronic receipt. vs $7.75 Makes sense i...
by legio XX
Sun Mar 08, 2020 7:34 am
Forum: Personal Finance (Not Investing)
Topic: What USPS “Snail Mail” Option Do You Recommend for Tax Return?
Replies: 57
Views: 3092

Re: What USPS “Snail Mail” Option Do You Recommend for Tax Return?

If I owe them, certified with return receipt - although the Priority Mail envelope looks like a good alternative. Didn't know it was up to $7.75!!!

If I don't owe, vanilla first class.
by legio XX
Sun Mar 08, 2020 7:29 am
Forum: Investing - Theory, News & General
Topic: Has Vanguard been hacked? Website is down!
Replies: 13
Views: 2156

Re: Has Vanguard been hacked? Website is down!

No trouble logging on and checking accounts - down about 5% overall - but the 2-factor authentication was not there and the graphic showing AA wasn't working. Yes, I do have the current Flash so that's not it. So something isn't quite right. Darn! I swore that I wasn't going to look at this!! Didn't...
by legio XX
Wed Mar 04, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: Help/Advice with Decluttering
Replies: 37
Views: 2751

Re: Help/Advice with Decluttering

... - Iam starting with my comics and graphic novels. I have a lot graphic novels that I have read but will probably never re-read again. I sold almost all of mine 17-18 years ago. I kept only those I had a personal connection to - like a story that I wrote or an artist whose work I have on the wal...
by legio XX
Tue Mar 03, 2020 8:21 am
Forum: Investing - Theory, News & General
Topic: Popular opinion is to sell and wait out coronavirus - that means the inverse is probably true
Replies: 15
Views: 1676

Re: Popular opinion is to sell and wait out coronavirus - that means the inverse is probably true

. . . tried to point out 1966-1982 and 2000-2009 etc, it fell on deaf ears. I showed them the power of Treasury bonds during distress and they were impressed, although I doubt they will buy any. Instead, the idea is to sell on the up and wait out. Unless their money is all in tax-sheltered acc'ts, ...
by legio XX
Tue Mar 03, 2020 8:05 am
Forum: Investing - Theory, News & General
Topic: How did the market react during the last pandemic? Pretty well.
Replies: 10
Views: 1500

Re: How did the market react during the last pandemic? Pretty well.

Wow - I had forgotten about Hong Kong Flu. I was in gradeschool and remember that we all had to stay home from school for a week or two... I was an adult and wouldn't have remembered it at all. Ask me about '68 and I would have come up with the Chicago convention and accompanying politicking. On th...
by legio XX
Sat Feb 22, 2020 7:43 pm
Forum: Investing - Theory, News & General
Topic: "Wells Fargo Paying $3 Billion To Settle U.S. Case Over Fraudulent Customer Accounts"
Replies: 49
Views: 3109

Re: "Wells Fargo Paying $3 Billion To Settle U.S. Case Over Fraudulent Customer Accounts"

'The $3 billion penalty is appropriate, "given the staggering size, scope and duration of Wells Fargo's illicit conduct," added Andrew Murray, U.S. attorney for the Western District of North Carolina.' Ditto for tarring and feathering and riding to jail - now there's a thought: prison for white-coll...
by legio XX
Sat Feb 22, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2473

Re: HS Latin or Spanish/ASL?

Congratulations on having a curious and adventurous learner. I lean toward Latin. Not (only) because I'm a historian, but because it can give a foundation for further language study. "You've had Spanish; meet great-grandma." Three years of Spanish gives about as much as is useful unless you have a l...
by legio XX
Sun Feb 16, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Relative laid off - need advice
Replies: 29
Views: 5106

Re: Forced early retirement with minimal asset - please help with planning

. . . He did say he wants to retire at 62 though, because he feels burnt out. I’m not saying it’s justified, but I think he has some depression (his job has been unstable for the last 2-3 years). Unless he finds joy in a new job, he will retire as soon as he can live on his IRA and SS. As one who h...
by legio XX
Sat Feb 01, 2020 7:48 pm
Forum: Personal Consumer Issues
Topic: paying cleaning lady
Replies: 49
Views: 4933

Re: paying cleaning lady

whodidntante wrote:
Thu Jan 30, 2020 7:40 pm
jumppilot wrote:
Thu Jan 30, 2020 7:32 pm
Our cleaning man comes once a month.
What? No gentleman? :happy
Actually, the masculine form of lady is lord. If cleaning lord sounds funny, so may cleaning lady - cleaner is fine, thank you. Just pay a fair wage, etc.
by legio XX
Sat Feb 01, 2020 11:48 am
Forum: Investing - Theory, News & General
Topic: Legibility - age-old issue of form vs function
Replies: 19
Views: 1256

Re: Legibility - age-old issue of form vs function

20-20 at 90! Wow!! I'm typing this without glasses but that's impressive. I think what you are describing is simply poor design. A product that doesn't do its intended job is the definition of poor design. Speccing very light or very heavy type - anything that reduces readability - for a statement s...
by legio XX
Sat Feb 01, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: Do You Do Your Taxes by Hand? Reporter doing story
Replies: 108
Views: 7808

Re: Do You Do Your Taxes by Hand? Reporter doing story

Nobody does their taxes by hand anymore. I was a college freshman in 1975 and bought a calculator for $20 or $30 that was so amazing it did trig functions and logs. My dad had a desktop calculator in 1972 or 1973 ( it would add subtract, multiply and divide) to help him do the bookwork for his busi...
by legio XX
Sat Feb 01, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: How to decide a job change from Chicago to Houston?
Replies: 52
Views: 2886

Re: How to decide a job change from Chicago to Houston?

FWIW, two of my classmates, husband and wife, took jobs in Houston and were joined by a colleague, classmate of the wife's, who also had a job there. Husband was lifelong New Yorker; wife had grown up and did her undergraduate work in Chicago. Friend was lifelong Chicagoan. These folks were academic...
by legio XX
Sat Feb 01, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Forging an old photo
Replies: 25
Views: 2549

Re: Forging an old photo

It would depend on what you are using the photos for. Since you want old paper, it seems that your forgeries may be looked at fairly closely. If that is the case, wouldn't whoever is looking at the photo be able to tell that it was printed by a printer - ink applied to paper - rather than in a darkr...
by legio XX
Mon Jan 13, 2020 11:27 am
Forum: Personal Finance (Not Investing)
Topic: [RMD shortfall - issue fixed]
Replies: 17
Views: 2411

Re: Vanguard another RMD snafu [solved!]

I would call Vanguard on Monday and tell the automated voice system you need RMD help. That should transfer you to RMD specialist. . . . I think what you are describing is a situation unique to your account. 100% correct. Easy solution. The problem was that my TIRA is spread over three funds and ap...
by legio XX
Mon Jan 13, 2020 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep Medicare B on employer's plan?
Replies: 2
Views: 290

Re: Should I keep Medicare B on employer's plan?

Just bumping this up to see if the edited post gets any response.
by legio XX
Sun Jan 12, 2020 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: [RMD shortfall - issue fixed]
Replies: 17
Views: 2411

Re: Vanguard another RMD snafu

Presumably these are RMDs for 2020, so at least you have a lot of time to sort this out. In my account, when I go to the "My Accounts" menu tab, select "Retirement contributions, distributions, and RMDs" from the dropdown menu, and then click on the "Required minimum distribution" tab, I see a warn...
by legio XX
Sun Jan 12, 2020 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep Medicare B on employer's plan?
Replies: 2
Views: 290

Should I keep Medicare B on employer's plan?

Just edited the post and title for clarity. I need to make a decision on this. I've looked at a couple of earlier threads, e.g. https://www.bogleheads.org/forum/viewtopic.php?t=201040, and want to make sure I've got things straight before acting. Due to increased work load I qualify for full medical...
by legio XX
Sun Jan 12, 2020 9:08 am
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 93868

Re: What age did you reach 100K networth?

. . . I collected 110 response, and I got this results: . . . 95% Perc. 39.00 (95% of the Boglehead users had at least 100k net worth at age 39) Wow! Sorry to skew the stats, but my net worth was probably negative until sometime in my 50s when IRA surpassed outstanding debt. Hit 100 k around age 60...
by legio XX
Sat Jan 11, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: [RMD shortfall - issue fixed]
Replies: 17
Views: 2411

Re: Vanguard another RMD snafu

I'm not entirely following the details of what you wrote . . . I think what you are describing is a situation unique to your account. Sorry to get off on a tangent. I have to do RMDs for two accounts. The date for the transaction and the withholding have been set up since I started RMDs. I got emai...
by legio XX
Sat Jan 11, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: speakers
Replies: 32
Views: 2896

Re: speakers

Before buying new speakers, I suggest watching this Steve Guttenberg ("The Audiophiliac") video re speaker placement... https://www.youtube.com/watch?v=nu6tXrjYZAA He's a bit quirky, but gives good advice. In true BH fashion, these tips could significantly improve your sound, at no cost! Just did a...
by legio XX
Sat Jan 11, 2020 9:33 am
Forum: Personal Consumer Issues
Topic: Recommend Dual SIM smartphone please
Replies: 25
Views: 1921

Re: Recommend Dual SIM smartphone please

I'm using a Nokia 6.1 which is no doubt an obsolete model. No idea how it stacks up against more recent phones, but I have no complaints. It meets your other criteria.

I'm not a heavy user, and I use the second slot for a Euro chip.
by legio XX
Sat Jan 11, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: [RMD shortfall - issue fixed]
Replies: 17
Views: 2411

Re: Vanguard another RMD snafu

HueyLD wrote:
Sat Jan 11, 2020 8:57 am
If you do an ACATS, you can transfer securities without having to sell them.
Thanks! Will look that up.
by legio XX
Sat Jan 11, 2020 9:20 am
Forum: Investing - Theory, News & General
Topic: Bloomberg Will Revive ‘Wall Street Week’
Replies: 38
Views: 4429

Re: Bloomberg Will Revive ‘Wall Street Week’

I watched that show faithfully, even when I didn't have two nickels to rub together. Me too. Hard to explain why now that I think of it . . . Loved Louie Rook! 👏 I wonder if I can find this show streamed somewhere. I don't have cable. Umm, one post up. It doesn't work. I assumed it was a pay site s...
by legio XX
Sat Jan 11, 2020 8:49 am
Forum: Personal Finance (Not Investing)
Topic: [RMD shortfall - issue fixed]
Replies: 17
Views: 2411

[RMD shortfall - issue fixed]

Title updated by OP. [Title was "Vanguard another RMD snafu [solved!]", see solution below. --admin LadyGeek] Has anyone else had this problem? What is the best way to fix this and (maybe) not have it happen again? I had VG set up to automatically take my RMDs on January xx. It worked OK the last fe...
by legio XX
Fri Dec 27, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: My debit card was hacked. How did it happen?
Replies: 27
Views: 2539

Re: My debit card was hacked. How did it happen?

I have an ATM card with my credit union. It's been quite nice all these years and i like it much better than a debit card, for the obvious reasons. Unfortunately my credit union doesn't do ATM cards anymore, and when you call them up most of the customer reps don't even know what an ATM card is. My...
by legio XX
Mon Dec 23, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: naming beneficiaries on accounts
Replies: 2
Views: 474

Re: naming beneficiaries on accounts

Thank you, Celia. That answers my question. What you say about taxes makes a great deal of sense, but unless I depart fairly early on there might be nothing left for whoever gets the sheltered acc'ts. And for the taxable, the market could be up, down or sideways for the rest of my life. The idea was...
by legio XX
Mon Dec 23, 2019 7:51 am
Forum: Investing - Theory, News & General
Topic: Peter Lynch on Barron's Roundtable Tonight
Replies: 61
Views: 5016

Re: Peter Lynch on Barron's Roundtable Tonight

Peter Lynch's contribution to my present solvency is his description - probably on Wall Street Week - of his working day. I realized that I would never be able to do that and so early on lost any temptation to "play" the market. Memories of growing up in a household where The Depression still lived ...
by legio XX
Mon Dec 23, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: naming beneficiaries on accounts
Replies: 2
Views: 474

naming beneficiaries on accounts

I read this thread, but have a further question. https://www.bogleheads.org/forum/viewtopic.php?t=225584 I likely do not have enough assets that probate would be an issue and just want to have things in order. Getting the beneficiary ducks lined up has reached the top of to-do-now list, so: There ar...
by legio XX
Tue Nov 05, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Travel hacking international flights
Replies: 50
Views: 5600

Re: Travel hacking international flights

Really surprised at the numerous mentions of United - https://www.cnn.com/2017/04/10/travel/passenger-removed-united-flight-trnd/index.html short-term memory needs some exercise maybe I'm amazed that you thought this news article was relevant to the question posed by the OP. It isn't. As for United...
by legio XX
Tue Nov 05, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 14402

Re: Finances in NYC

FrugalConservative wrote:
Tue Nov 05, 2019 4:00 pm
Bushwick and bedstuy, are great neighborhoods? lol. Couldnt pay me to live there.
Good. The people who have owned and rented there for generations would approve.
by legio XX
Tue Nov 05, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 14402

Re: Finances in NYC

skime wrote:
Sat Nov 10, 2018 9:41 am
You'll be miserable living in Manhattan on 122k. It's a lot more expensive than you may think. If saving is a priority, stay out of NYC unless you run a bank or hedge fund.
Nonsense.
by legio XX
Mon Oct 28, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Travel hacking international flights
Replies: 50
Views: 5600

Re: Travel hacking international flights

Really surprised at the numerous mentions of United -

https://www.cnn.com/2017/04/10/travel/p ... index.html

short-term memory needs some exercise maybe
by legio XX
Fri Oct 25, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 6048

Re: Who does your tax returns?

Do it myself by hand. Then I know what affects my taxes to what degree, and no software program is screwing it up. Also, zero cost. Same here. Modest income and pretty simple return. I consider it earning what I would pay a preparer. Software is less expensive, but I would need to learn to use it. ...
by legio XX
Sat Oct 19, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D provider help-Wellcare Wellness
Replies: 39
Views: 3710

Re: Medicare Part D provider help-Wellcare Wellness

Hi. I've been on Wellcare this past year. No problems. I use one generic regularly, no mail order. I will check prices for the coming year and go with whoever is cheapest.
by legio XX
Thu Oct 17, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 4590

Re: Moving my home landline phone number to MagicJack - good idea?

Not a good idea. viewtopic.php?t=230651#p4203833

SandysDad - You returned a MagicJack? How? Getting $$ back from them is more than I could do - congrats!
by legio XX
Thu Oct 17, 2019 7:11 pm
Forum: Personal Investments
Topic: social security 'extra security' feature?
Replies: 25
Views: 2338

Re: social security 'extra security' feature?

Never used this myself, but a friend recently applied for Medicare and ran into problems. The financial questions were irrelevant - e.g., which of these lenders do you have your auto loan with; this person has never owned a car - so the answer was "none of the above" and the system was unhappy when ...
by legio XX
Wed Sep 25, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Is it out-of-style for business women to wear pantyhose?
Replies: 19
Views: 5432

Re: Is it out-of-style for business women to wear pantyhose?

OK, business attire is rare on the working levels of academe so I did a couple of quick surveys: On the subway: probably a bit late in the morning for a good sample, but those wearing what looked like business attire were uniformly bare-legged. Not sure if a conservative dress with hiking boots coun...
by legio XX
Tue Sep 24, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 10444

Re: Physical activity suggestions for a non athletic youth

Exercise and diet play off each other - exercise makes you feel good and makes you want to eat healthier...which makes you feel good and makes you want to exercise. This. It ain't the calories you work off but the feel good factor. I was one of the bounce off the wall and jump on the couch kids - t...
by legio XX
Sun Sep 22, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 32
Views: 2623

Re: ongoing eBay buying problems

I thought I should let people know how this turned out. I can now buy on eBay, as usual. No idea what the problem was so nothing useful to say to anyone with the same problem. It began when I couldn't complete a purchase transaction. Went through the usual process until the end; then the screen woul...
by legio XX
Sat Sep 21, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 19
Views: 1712

Re: Need new Refrigerator

Consumer Reports has no shills, nor any advertising. I don't consider CR or Wirecutter a review site. I mean those sites that purport to be reviews by customers/users but are routinely manipulated by vendors/producers/"influencers." Since I don't use them I can't quickly point out examples, but the...
by legio XX
Sat Sep 21, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Tax form for Seniors.
Replies: 32
Views: 2850

Re: Tax form for Seniors.

Some of us prefer paper and using arithmetic so we understand what affects our taxes instead of tossing numbers into a black box where who knows what happens to them. I do a lot of tax returns for seniors -- well over 100 per year. Often someone will come in with even a fairly simple return done by...
by legio XX
Sat Sep 21, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 19
Views: 1712

Re: Need new Refrigerator

My suggestions: 1) Research on sites specific to buying appliances, not a financial forum. Subjective feedback from a few people is worthless. In my experience the honest subjective feedback of a few knowledgeable people has been worth a good bit. Major appliances, ongoing expenditures, e.g., cell ...
by legio XX
Fri Jun 28, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5608

Re: NYC Apartment to sue or not to sue

Yeah he should talk to a lawyer, end of story. ... That said, I looked up the new NYC law. At surface, it looks like it strengthens rent-control and gives greater rights and protections to Tenants. That's what makes this situation so odd. A law protecting renters seems to have screwed OP, a renter....
by legio XX
Fri Jun 28, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5608

Re: NYC Apartment to sue or not to sue

And as Pete mentioned it is rent stabilized. Rent controlled is where you read about someone having a 3 bedroom that the family has lived in for 50+ years and pay $640 a month on Park Avenue (or C.P.W.). Rent controlled apts have not turned over since 1971. Other rent regulated apts are rent stabil...
by legio XX
Fri Jun 28, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5608

Re: NYC Apartment to sue or not to sue

Like another poster said, it’s posts like this would make me think twice about being a landlord. Personally I think there’s no case. They weren’t even on the lease at the beginning of their tenancy so how does what happened In the past affect them that much if rent can increase when tenancy is chan...