Search found 1386 matches

by Pacific
Fri Mar 05, 2021 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Calling boglehead physicians who(m) have done locums
Replies: 14
Views: 1517

Re: Calling boglehead physicians who(m) have done locums

Shackleton wrote: Wed Mar 03, 2021 4:05 pm It’s “who”, not “whom”. Easy way to know when to use which is try the sentence with “he” and “him”. If “him” is correct, then “whom” is also correct.

He has done locums.
Him has done locums.

Therefore, it’s “Physicians who have done locums”
Thanks for this!
by Pacific
Wed Feb 17, 2021 3:20 am
Forum: Personal Consumer Issues
Topic: Where would you live in Phoenix if you could WFH
Replies: 125
Views: 8286

Re: Where would you live in Phoenix if you could WFH

If $$ is not a major concern, check out this 2019 article on the 5 priciest places in metro Phoenix:
https://www.azcentral.com/story/money/r ... 587745002/
by Pacific
Wed Jan 27, 2021 2:08 am
Forum: Personal Investments
Topic: Help! Locked out of Vanguard account and impossible to reach a contact center rep
Replies: 49
Views: 3886

Re: Help! Locked out of Vanguard account and impossible to reach a contact center rep

Vanguard doesn’t let you log on from outside the US. I’m surprised you were able to sign in for the first few times. You would want them to keep your account secure from someone trying to access it from overseas, wouldn’t you? This is incorrect. I login all the time from overseas. So does my daught...
by Pacific
Sun Jan 24, 2021 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping Tax Returns
Replies: 27
Views: 2046

Re: Keeping Tax Returns

Regarding scanners: You can't go wrong with Fujitsu and I have two different models. However, they are expensive. Late 2019 I tried a scanner from a fairly recent start-up in Texas called "Raven". Their scanners are much more reasonably priced than Fujitsu. After a few minor problems (and ...
by Pacific
Sun Jan 24, 2021 1:52 pm
Forum: Personal Investments
Topic: I just bought individual stocks and a lot of them.
Replies: 218
Views: 17123

Re: I just bought individual stocks and a lot of them.

Amazed that so many people have responded to this thread.

Check out the author's previous posts.
by Pacific
Fri Jan 22, 2021 2:56 am
Forum: Personal Investments
Topic: problem with Vanguard's "Calculate your RMD amount"
Replies: 17
Views: 1779

Re: problem with Vanguard's "Calculate your RMD amount"

Must be something associated with your computer. I just went the same path you described (twice as a test) and it brought up my RMD requirement for 2021 and also showed me what portion of that has already been taken by me last week, which was my annual QCD. Can you clear your cache and try again. Y...
by Pacific
Thu Jan 21, 2021 4:38 am
Forum: Personal Investments
Topic: problem with Vanguard's "Calculate your RMD amount"
Replies: 17
Views: 1779

Re: problem with Vanguard's "Calculate your RMD amount"

After reading your post, I went on Vg from overseas and it took less than 10 seconds (no buffering whatsoever). Everything worked fine, except for the bad news that my 2021 RMD is more than my 2020 RMD (which I took anyway).
by Pacific
Sun Jan 17, 2021 1:40 am
Forum: Personal Consumer Issues
Topic: Retirement: Anyone here from\live in Anthem, AZ?
Replies: 15
Views: 2060

Re: Retirement: Anyone here from\live in Anthem, AZ?

Anthem is really far north. If you want to stay closer to metro, you can live in the east valley: Tempe, Chandler, Gilbert, and Mesa. I'd give Mesa a pass though. All are much cheaper than Scottsdale. If I was going to retire here, I'd go north of Phoenix maybe Strawberry or Pine or Prescott. If I ...
by Pacific
Sun Jan 10, 2021 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Ugh Vanguard! May have to leave. They made a huge error.
Replies: 223
Views: 25445

Re: Ugh Vanguard! May have to leave. They made a huge error.

Curious as to where you got that information. My google search on Dun and Bradstreet shows the Vanguard Group reporting just 7.7Billion in revenue with Blackrock reporting about double that. A WSJ article lists Fidelity's 2019 revenue as 20.9Billion. There absolutely could be differences due to con...
by Pacific
Tue Dec 15, 2020 3:53 am
Forum: Personal Consumer Issues
Topic: How to watch all NFL games
Replies: 81
Views: 4977

Re: How to watch all NFL games

I am out of the country and use NFL Gamepass to watch anything and everything (including RedZone). I think it cost me around $125 this year. I don't understand what some posters are referring to about only watching games on a delay. I watch them live (though there is often about a 10-second annoying...
by Pacific
Thu Nov 26, 2020 2:52 am
Forum: Investing - Theory, News & General
Topic: Please help find Vanguard Transition Tab!!
Replies: 22
Views: 1684

Re: Please help find Vanguard Transition Tab!!

Cheez-It Guy wrote: Wed Nov 25, 2020 10:08 pm Transition or Transaction?
This.

I have no idea whether the OP is trying to find transactions (which I have) or transitions (which I do not have).
by Pacific
Wed Nov 25, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: Gift for departing physician
Replies: 47
Views: 3973

Re: Gift for departing physician

Your appendix?
by Pacific
Sat Nov 21, 2020 10:09 pm
Forum: Personal Investments
Topic: AZ Resident Seeking Vanguard 529
Replies: 12
Views: 622

Re: AZ Resident Seeking Vanguard 529

Arizona here using Nevada plan.
by Pacific
Wed Nov 18, 2020 5:10 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 20243

Re: Fed up With Flagship

From a thread started this morning: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=330336 Yesterday I was in the process of doing a rebalancing transaction in my Vanguard IRA when a message appeared on my screen “reminding” me that I was required to take an RMD of X$ by December 31, 2020...
by Pacific
Mon Nov 16, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can someone check my math and my logic on this?
Replies: 28
Views: 3041

Re: Can someone check my math and my logic on this?

My vote is for Option 1.

I did this and never looked back.

I hate being in debt for anything more than my monthly credit card bill.
by Pacific
Sun Nov 01, 2020 3:16 am
Forum: Personal Finance (Not Investing)
Topic: Father died intestate - sibling executor is estate attorney on power trip
Replies: 57
Views: 5539

Re: Father died intestate - sibling executor is estate attorney on power trip

My concern is that the executor is quite content to let cash languish in low-interest CDs and savings bonds before starting distributions in 2030 and I am opposed to that. I am willing to concede the savings bonds, but it’s my position that most of what’s currently in CDs (at 0.05%) should be in eq...
by Pacific
Sat Oct 31, 2020 1:30 pm
Forum: Investing - Theory, News & General
Topic: David F. Swensen
Replies: 57
Views: 6891

Re: David F. Swensen

David F. Swensen was an investor for Yale University . . .
I believe that Swensen is still alive and in charge of Yale's investments.
by Pacific
Sat Oct 31, 2020 1:21 pm
Forum: Investing - Theory, News & General
Topic: What y’all think of these funds?
Replies: 11
Views: 651

Re: What y’all think of these funds?

I believe that VGHCX has under-performed the average health care fund for the last 1, 3, 5, and 10 year periods?
by Pacific
Sat Oct 31, 2020 1:06 am
Forum: Personal Finance (Not Investing)
Topic: husband wants to move to HCOL state
Replies: 133
Views: 7350

Re: husband wants to move to HCOL state

You both need to compromise. Split the difference, and move to Nebraska!
by Pacific
Mon Oct 26, 2020 1:35 am
Forum: Non-US Investing
Topic: Keeping Vanguard account as Non resident Alien
Replies: 56
Views: 8591

Re: Keeping Vanguard account as Non resident Alien

I just want to say thank you to TedSwippet for all that he adds to this board. There are a group of posters, including TedSwippet, Bruce Steiner, Alan S., Garland Whizzer, and several others, who often post about subjects that do not usually interest me, but which I find interesting because of their...
by Pacific
Wed Oct 14, 2020 4:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Transition Messages
Replies: 85
Views: 5151

Re: Vanguard Brokerage Transition Messages

Would I still be able to do my automatic monthly exchanges from my money market fund into my various mutual funds?
by Pacific
Fri Oct 09, 2020 2:51 am
Forum: Personal Investments
Topic: Savings accounts for immigrants
Replies: 19
Views: 1561

Re: Savings accounts for immigrants

It is true actually. Look at the last question on this link. I thought he was mistaken as well but he was not. I even called the bank to confirm https://www.ally.com/help/bank/opening-account.html If I’m not a U.S. citizen, can I still open an account? To open an account with Ally Bank or Ally Inve...
by Pacific
Thu Oct 08, 2020 6:14 pm
Forum: Personal Investments
Topic: Savings accounts for immigrants
Replies: 19
Views: 1561

Re: Savings accounts for immigrants

It is true actually. Look at the last question on this link. I thought he was mistaken as well but he was not. I even called the bank to confirm https://www.ally.com/help/bank/opening-account.html If I’m not a U.S. citizen, can I still open an account? To open an account with Ally Bank or Ally Inve...
by Pacific
Tue Oct 06, 2020 4:54 pm
Forum: Personal Investments
Topic: Anyone know Vanguard's phone and fax numbers?
Replies: 22
Views: 1720

Re: Anyone know Vanguard's phone and fax numbers?

It took me 40 minutes on hold to get this information: phone 877-662-7447 fax 484-582-4544 No, this information was not available just by searching. I am frankly annoyed by Vanguard. :annoyed Are you being serious? It took me less than 10 seconds to get that phone number. I think that fax number is...
by Pacific
Fri Oct 02, 2020 1:54 am
Forum: Personal Consumer Issues
Topic: Trail sneakers
Replies: 59
Views: 3863

Re: Trail sneakers

Boglegirl81 wrote: Thu Oct 01, 2020 7:26 pm If you have an REI near you, go try a bunch on. That’s what I did and came out with a pair of Salomon hiking shoes that I like. They look like regular athletic shoes, which I prefer to the hiking shoe look.
+1
Salomon at REI
by Pacific
Wed Sep 30, 2020 1:42 am
Forum: US Chapters
Topic: Where did HEDGEFUNDIE go?
Replies: 108
Views: 12633

Re: Where did HEDGEFUNDIE go?

We lose (and almost lose) great forum contributors every once in awhile due to folks unwilling to compromise on views or admitting to agree to disagree. Like sscritic +1 Now HE was a legend. Probably the most knowledgable guy on here regarding a certain topic, but he sure didn't suffer fools gladly...
by Pacific
Wed Sep 16, 2020 2:02 am
Forum: Investing - Theory, News & General
Topic: Can VTSAX accidentally sell all its stock holdings?
Replies: 47
Views: 4019

Re: Can VTSAX accidentally sell all its stock holdings?

If Vanguard accidentally sold all of VTSAX, who would accidentally buy it?
by Pacific
Mon Sep 14, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: What's this bug?
Replies: 34
Views: 2760

Re: What's this bug?

Murder hornet: Murder hornets: USA's First male captured in Washington state This is bad news for bees. Based on the coloration of the legs, it looks a lot more like a robber fly than a murder hornet. Either way, be glad it's not a tarantula hawk, which are often flying around in my yard. Wired mag...
by Pacific
Sun Sep 13, 2020 1:11 am
Forum: Personal Consumer Issues
Topic: $3000 for COVID test!!!
Replies: 11
Views: 2286

Re: $3000 for COVID test!!!

Daughter and her husband went to walk-in clinic and got CV-19 screening tests around first of July. Both were asymptomatic. They paid $75 each now they get bill for three grand! One of their neighbor’s child got billed $9000. Same urgent care clinic using some lab in Miami. I told my son in law to ...
by Pacific
Sat Sep 12, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10213
Views: 733779

Re: Refinance Mega Thread

Currently in the underwriting stage with Loan Depot. 15 years at 2.25% with 2.5K lender credits. Started in early August. Looks like another 30-45 days. I opened up one of the initial email communications they sent us where there was a link to “check our rates “. I pushed the link and now it states...
by Pacific
Sat Sep 12, 2020 7:16 pm
Forum: Personal Investments
Topic: Ally Bank Not Reliable
Replies: 50
Views: 5150

Re: Ally Bank Not Reliable

I don't know what browser you are in, but I cannot log in with Chrome any longer, other browsers work fine


I just logged into Ally using Chrome while overseas and had no problem.
by Pacific
Thu Sep 10, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 7313

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

Now I'm in a quandry -- I'd like to follow up with him to explain what a horrible reputation NWM has and that what he's doing isn't personal finance. Please explain to me about this horrible reputation. I think they usually place at or near the top as far as customer satisfaction is concerned.
by Pacific
Thu Sep 03, 2020 7:36 pm
Forum: Investing - Theory, News & General
Topic: Uniswap Bogleheads?
Replies: 16
Views: 1348

Re: Uniswap Bogleheads?

Is it possible that you are posting on the wrong site?
by Pacific
Sun Aug 30, 2020 3:56 pm
Forum: Personal Investments
Topic: Dump Bonds -- buy AAPL & TSLA split?
Replies: 131
Views: 10796

Re: Dump Bonds -- buy AAPL & TSLA split?

TheLaughingCow wrote: Sun Aug 30, 2020 11:28 am Troll post
+1
You took the words right out of my mouth.
by Pacific
Sun Aug 30, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Just found my dream home/offer accepted, need lending ASAP and have important questions, you're my main resource
Replies: 91
Views: 6966

Re: Just found my dream home/offer accepted, need lending ASAP and have important questions, you're my main resource

orhkaf wrote: Sun Aug 30, 2020 11:33 am Despite what others are saying, I think you can buy the house and probably be okay. There’s no point to hoarding cash your whole life. Enjoy!
If he was hoarding cash he would not have to sell his investments to make the deposit and down payment.
by Pacific
Tue Aug 18, 2020 4:00 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Horror Story: Is this right?
Replies: 107
Views: 8599

Re: Ally Bank Horror Story: Is this right?

This is a related thread at reddit that you may find useful. https://www.reddit.com/r/personalfinance/comments/f6cc12/beware_ally_bank_bill_pay/ The check sent to the school was "intercepted" and cashed by the thief. Why would Ally be expected to "refund" those funds to the acco...
by Pacific
Tue Aug 18, 2020 3:55 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Horror Story: Is this right?
Replies: 107
Views: 8599

Re: Ally Bank Horror Story: Is this right?

He recently sat down to do his finances and wasn't sure whether he had cashed some of those checks ... from years ago.
This sounds very strange to me.

Wouldn't Ally have a copy of the cancelled check?
by Pacific
Tue Aug 18, 2020 3:42 am
Forum: Personal Consumer Issues
Topic: Farmed Atlantic salmon and toxic chemicals in fish feed
Replies: 62
Views: 4428

Re: Farmed Atlantic salmon and toxic chemicals in fish feed

arcticpineapplecorp. wrote: Mon Aug 17, 2020 9:55 pm see for yourself:

https://www.healthline.com/nutrition/wi ... #nutrition
Thank you for this. A treasure trove of information.
by Pacific
Mon Aug 17, 2020 3:01 am
Forum: Investing - Theory, News & General
Topic: What is the big deal with RobinHood accounts???
Replies: 76
Views: 9232

Re: What is the big deal with RobinHood accounts???

Then there was this recently, where a Robinhood user tragically misinterpreted the account balance in his account. https://www.cnn.com/2020/07/14/investing/robinhood-suicide-congress-underwood/index.html "Kearns, a college student with no income, was using Robinhood to trade complex options in...
by Pacific
Sat Aug 15, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Electronic Transaction at my bank [transfer-out I did not authorize]
Replies: 7
Views: 1051

Re: Electronic Transaction at my bank [transfer-out I did not authorize]

Do you know the identity of the person who transferred the funds?

What is your relationship to that person?
by Pacific
Fri Aug 07, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: Yves Smith reporting on recent Vanguard customer service experience
Replies: 3
Views: 795

Re: Yves Smith reporting on recent Vanguard customer service experience

As I understand from reading this forum (as I have never had a problem and I am always calling from overseas), Vg does have customer support problems, but the nakedcapitalism blogger sounded like a jerk.

I would love to hear the other side of the story.
by Pacific
Mon Aug 03, 2020 1:49 am
Forum: Personal Consumer Issues
Topic: Best Home Blood-Pressure Monitor for Accuracy?
Replies: 33
Views: 3910

Re: Best Home Blood-Pressure Monitor for Accuracy?

Spirit Rider wrote: Mon Aug 03, 2020 12:30 am I replaced my 20 year old Omron with this Omron Platinum Blood Pressure Monitor a month ago. I noticed that this has a much slower release of pressure than my old one.
Unfortunately, currently unavailable at Amazon.
by Pacific
Sat Jul 25, 2020 3:30 am
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 167
Views: 23031

Re: Vitamix Worth It?

It's not worth discarding a blender you currently have that works for your needs. I have a bar blender that a local business was getting rid of. Can make mousse, puree soup, etc. Is it chunkier than a Vitamix would produce? Sure but that doesn't bother me. If the current blender ever breaks down I'...
by Pacific
Wed Jul 22, 2020 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Anybody watch new joe Rogan episode with Peter Schiff?
Replies: 51
Views: 6968

Re: Anybody watch new joe Rogan episode with Peter Schiff?

Why does Joe Rogan, in so many of his podcasts, feel the need to constantly use such foul language? Is it supposed to be cool? He speaks with a tone and the language that his audience connects with. It wouldn't be "cool" if he spoke in an overly refined way, or if it seemed like he was ce...
by Pacific
Tue Jul 21, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody watch new joe Rogan episode with Peter Schiff?
Replies: 51
Views: 6968

Re: Anybody watch new joe Rogan episode with Peter Schiff?

Why does Joe Rogan, in so many of his podcasts, feel the need to constantly use such foul language? Is it supposed to be cool?
by Pacific
Mon Jul 13, 2020 9:17 pm
Forum: Personal Consumer Issues
Topic: Sour like smell in house - Need Help
Replies: 33
Views: 3108

Re: Sour like smell in house - Need Help

Jimmy Hoffa?
by Pacific
Fri Jul 10, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Recommendation for a good efficient mini tower PC
Replies: 56
Views: 2648

Re: Recommendation for a good efficient mini tower PC

From what I've heard two or more hard drives on the motherboard are very slow. Much better a USB hard drive case with 2 or more hard drives inside for backup, data update, etc. a much better setup. Just the opposite, generally storage drives connected directly to the motherboard (SATA or PCIe NVME)...
by Pacific
Fri Jul 10, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: Recommendation for a good efficient mini tower PC
Replies: 56
Views: 2648

Re: Recommendation for a good efficient mini tower PC

Dell has just announced as for sale a New XPS Desktop and Desktop Special Edition. New XPS Desktop: https://www.dell.com/en-us/shop/cty/pdp/spd/xps-8940-desktop?~ck=mn New XPS Desktop Special Edition: https://www.dell.com/en-us/shop/desktops/new-desktop-special-edition/spd/xps-8940-se-desktop I hope...