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Re: Rich Spouse, Poor Spouse

Why not figure your taxes separately, for your own knowledge. Are you otherwise separating expenses? Assuming it is less expensive to file jointly, put the "extra you've saved" into something like a vacation account. Or split it proportionately, if you are seriously separately paying for t...
by ResearchMed
Thu Jul 24, 2014 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rich Spouse, Poor Spouse
Replies: 8
Views: 189

Re: Steps to take to prevent ID theft?

In addition to changing passwords, etc., did you have the charge card number changed so the old number that was used is no longer valid?

RM
by ResearchMed
Thu Jul 24, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Steps to take to prevent ID theft?
Replies: 3
Views: 126

Re: SEC Adopts Money Market Fund Reform Rules

Are there ANY changes in the new SEC regs that would affect the retail investor, specifically those using money market funds within IRA/403b/etc., type accounts. Most of what I'm reading emphasizes that they won't break the buck on those retail accounts, but the part(s) about restricting withdrawals...
by ResearchMed
Thu Jul 24, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 17
Views: 978

Re: SEC Adopts Money Market Fund Reform Rules

Will this affect the Vanguard (or Fidelity/TIAA-CREF/etc.) money market funds? Schwab apparently doesn't have institutional clients in their retail money market fund(s?), or so it seemed from the news coverage . But what about Vanguard? And at least at Schwab, for IRA's, one had the choice to use an...
by ResearchMed
Wed Jul 23, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 17
Views: 978

Re: 2 days in Portland, suggestions?

Portland, Oregon?

Portland, Maine?

or?

RM
by ResearchMed
Tue Jul 22, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 34
Views: 1159

Re: VG Admiral Fund-falling below minimum investment

Under plans that do fall under ERISA, you cannot discriminate against participants based on age, length of employment, amount contributed, etc. Hence, one person who gets lower Admiral expenses because they have a larger amount investment would violate this clause. But since 403b regulations precee...
by ResearchMed
Tue Jul 22, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 3003

Re: VG Admiral Fund-falling below minimum investment

Under plans that do fall under ERISA, you cannot discriminate against participants based on age, length of employment, amount contributed, etc. Hence, one person who gets lower Admiral expenses because they have a larger amount investment would violate this clause. But since 403b regulations precee...
by ResearchMed
Tue Jul 22, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 3003

Re: VG Admiral Fund-falling below minimum investment

Apparently not in all retirement plans. Really? Can you provide more details, my understanding from multiple discussions of this is that would violate ERISA for 401K/403B/etc. plans... Hmmm. Don't know about any ERISA regs that would be violated, but that doesn't mean there aren't any such... Which...
by ResearchMed
Mon Jul 21, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 3003

Re: VG Admiral Fund-falling below minimum investment

Some people are investing in 401k/403b type accounts where only mutual funds are allowed, no ETF's or individual stocks. In retirement plans, everybody is in the same share class regardless of balance. Apparently not in all retirement plans. We've bumped from Investor to Admiral in more than one fu...
by ResearchMed
Mon Jul 21, 2014 12:28 am
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 3003

Re: VG Admiral Fund-falling below minimum investment

spectec wrote:Just curious. If that happens, would it be advisable to sell it all and buy the comparable ETF (if one exists)?


Some people are investing in 401k/403b type accounts where only mutual funds are allowed, no ETF's or individual stocks.

RM
by ResearchMed
Sun Jul 20, 2014 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 3003

Re: NY Times Article - a case for index investing

Has anyone done a study like this using rolling time periods, or in some other way avoided allowing a short window of "less than stellar" performance (or even outright "bad" performance) having a possibly otherwise "good" active fund/managers get dropped? I'll put one o...
by ResearchMed
Sun Jul 20, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 23
Views: 2867

Re: Memory foam mattresses - any insight?

We bought an iComfort by Serta about 2 years ago and have been very happy with it. My wife was against a foam mattress. We've always had conventional mattresses, the last bought through a program at Four Seasons. You've got me really curious...when you say you purchased a mattress through a "p...
by ResearchMed
Sat Jul 19, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 49
Views: 3003

Re: USPS Shipping Problem Again

Glad, I guess, to see there's anecdotal evidence that the USPS can deliver valuables. My anecdotal evidence is that USPS employees steal from elderly, honest patrons. Again, FWIW. Yes, a real, REAL problem. (Although I suspect those are equal opportunity thefts, and affect the younger and less hone...
by ResearchMed
Sat Jul 19, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 857

Re: USPS Shipping Problem Again

Don't know if this is true, but when I was [much] younger, we knew one of the curators at the Smithsonian. He claimed that when custody of the Hope Diamond was transferred, it was decided the best way was USPS in a "plain brown wrapper", no bells or whistles or publicity, no hint it was a...
by ResearchMed
Sat Jul 19, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 857

Re: USPS Shipping Problem Again

We haven't used USPS for years for anything "important", because... it just isn't reliable. We get mail addressed to many of our neighbors, and thus assume that many of our neighbors get mail addressed to us. Worse, if it isn't something we are expecting - such as an invitation (yes, some ...
by ResearchMed
Sat Jul 19, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 857

Re: Options/guidance for a lazy person to be fit

Another suggestion is to get accustomed to walking "more" in general. Instead of taking an elevator up 1 or 2 flights, take the stairs. Then up 3 or 4 flights. This can become self-reinforcing, as you start to enjoy knowing you can dash up a couple of flights of stairs easily. It can becom...
by ResearchMed
Fri Jul 18, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5160

Re: Options/guidance for a lazy person to be fit

Without getting into the pros/cons of the Weight-Loss Diet Food Fight, no "diet" will work if someone can't stick to it. So that's the first thing in terms of what you eat. There IS interesting new research on the "low fat" vs "low carb" debate, and there are MANY ways ...
by ResearchMed
Fri Jul 18, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5160

Re: Snake!

Thanksgiving dinner?

Would it taste like rattlesnake meat?
Or "chicken"?

:twisted:

RM
by ResearchMed
Thu Jul 17, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 3969

Re: If interest rates would ever reach double digits again

Also, at what point in time, at precisely what interest rate, could you be certain that interest rates - and inflation - wouldn't rise even more? Those high money market rates back in the early 80's were great, yes. Except that a mortgage then was 17.5%. To refi about a year later to 13.5% felt grea...
by ResearchMed
Thu Jul 17, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: If interest rates would ever reach double digits again
Replies: 36
Views: 2994

Re: Is this realtor lying to me?

A quick Google search suggests your realtor is not outright lying to you. There are solutions for low appraisals, though, such as paying the difference in cash (which is possibly what your realtor is saying). What does this mean? The buyer pays the bank the difference? They buyer pays me the differ...
by ResearchMed
Thu Jul 17, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this realtor lying to me?
Replies: 27
Views: 3321

Re: Codebtor Bankruptcy - Defaulted Student Loan

Unlike the other situation (where a co-signer *might* be needing to declare bankruptcy), this case is already in bankruptcy. You should first check with your OWN attorney, who can then perhaps contact the bankruptcy Trustee to see if something can be worked out that is fair to the creditors and also...
by ResearchMed
Wed Jul 16, 2014 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Codebtor Bankruptcy - Defaulted Student Loan
Replies: 4
Views: 687

Re: Snake!

These are the kinds of posts where I really wish the OP would identify their location, if only to provide guidance on where I don't want to live. Between you and me, don't move to the Australian outback. I was having a quiet beer in a pub there last year when a deadly king brown snake appeared at t...
by ResearchMed
Wed Jul 16, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 3969

Re: Snake!

These are the kinds of posts where I really wish the OP would identify their location, if only to provide guidance on where I don't want to live. Maryland. No poisonous snakes in our state that I know of. The black rat snakes get pretty big though - lots of natural food, few predators. When I was l...
by ResearchMed
Wed Jul 16, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 3969

Re: Why I can't be a day trader.

Ah... the psychological part. Tricky! Your question is really how not to let "the market" fluctuations "get to you", correct? You can't really avoid it, but you can mitigate how it affects you. Please keep in mind that the mutual funds will generally do about the same as similar...
by ResearchMed
Wed Jul 16, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

But I am honestly not sure if that is how any of it will work. (This is my first experience with a brokerage account and inherited IRAs) You could call VG and ask. It has been my experience to date that asking Vanguard questions results in a boiler plate answer that usually doesn't apply to the sit...
by ResearchMed
Wed Jul 16, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

But I am honestly not sure if that is how any of it will work. (This is my first experience with a brokerage account and inherited IRAs) You could call VG and ask. It has been my experience to date that asking Vanguard questions results in a boiler plate answer that usually doesn't apply to the sit...
by ResearchMed
Wed Jul 16, 2014 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: Why I can't be a day trader.

If the funds are now at Vanguard, why can't you use Vanguard mutual funds?
(They also allow funds from many other mutual fund families, many with no transaction costs. But the selection of Vanguard funds should be more than adequate for your purposes at this point.)

RM
by ResearchMed
Wed Jul 16, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I can't be a day trader.
Replies: 38
Views: 2931

Re: High end purses

I want to thank this thread for getting me to search for purses. Now, every web page I go to has an ad or three for a purse. Many are from Nordstrom, which I believe I can blame on the OP since I followed his link to the Marc by Marc Jacobs purse as well as his subsequent link to a monogramed D&...
by ResearchMed
Tue Jul 15, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10661

Re: Is this poison ivy?

Doesn't quite look like poison ivy. Usually the "3-leaf" display is very obvious, and I don't see that here. However, I have seen poison ivy interspersed with something similar to what is in your photo, including at our home. We had to have it all removed and chemically treated, because th...
by ResearchMed
Tue Jul 15, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2440

Re: A question for the Bogleladies or those who can consult

Been there, done that, would not do it again. Lingerie is even more personal than purses. The one time I did buy the wife some, I could tell she didn't like it through her fake polite thank you smile. She wore it once, and I have not seen it since. When I asked her if she would like some lingerie a...
by ResearchMed
Tue Jul 15, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5322

Re: A question for the Bogleladies or those who can consult

No, if you ask her, she will say she doesn't want a high end purse. Buy one anyway. Now take her shopping with you so she can choose, but don't let her pull that bogleheaded "it's too expensive." Oh, wrong thread, same principle. If he gets this answer than he's no worse off than if he ha...
by ResearchMed
Tue Jul 15, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5322

Re: Why does anyone use American Express?

We've had two major disasters-in-waiting (okay, "disaster" is too strong a word, but still...) fixed promptly by Amex Plat Travel Service, and many other little "saves". (One really can "call collect" from overseas, as old-fashioned as that sounds these days.) We get th...
by ResearchMed
Tue Jul 15, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Why does anyone use American Express?
Replies: 146
Views: 21993

Re: HSA and Medicare

If you choose to take Social Security and continue to work and if you are contributing to a “qualified” HSA, you must pay close attention to timing. Once Social Security benefits begin , if you are already 65, you will be enrolled in Medicare Part A retroactively for up to 6 months. What in the wor...
by ResearchMed
Tue Jul 15, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA and Medicare
Replies: 19
Views: 1398

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

Among several possibilities DO NOT - repeat *NOT* - "giv[e] some money to friend to pay auto loan before bankruptcy". :shock: :shock: Who knows how he'll spend it! The only thing to think about along these lines (and this is NOT a recommendation) would be to take that money directly to the...
by ResearchMed
Mon Jul 14, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7225

Re: A question for the Bogleladies or those who can consult

Hopefully it wouldn't be John Cleese fitting her! :shock:

Sent you a PM.

RM
by ResearchMed
Mon Jul 14, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5322

Re: Best way to rent a car for 14-16 days

Thanks for the replies. I checked out some of the websites and the prices seems similar but I'll book and rebook if I need to. The only thing I'd be against is booking multiple reservations for the same timeframe. I would cancel instead so it doesn't affect the rental business and raise rental pric...
by ResearchMed
Mon Jul 14, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Best way to rent a car for 14-16 days
Replies: 14
Views: 1720

Re: Problem with Revoked Student Loan

How did she have "no idea the loan existed" until "recently"? Did she apply for it? Did she accept it when it was offered/presented to her as part of a financial aid package? I've never heard of an educational institution paying for tuition (or anything else) with a loan that the...
by ResearchMed
Mon Jul 14, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Problem with Revoked Student Loan
Replies: 5
Views: 879

Re: Another reason I am my own advisor

This reminds me that one thing we often forget to factor into "how our investments are doing" is the total that we *would* have paid those nice, friendly Merrill Lynch/Morgan Stanley folks over the past years. And the annual figure we tend to think about is "only" the fee were bi...
by ResearchMed
Mon Jul 14, 2014 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Another reason I am my own advisor
Replies: 15
Views: 3721

Re: Safe withdrawal rate > 4% if no heirs & ok to deplete ca

sbashore's method is about as good as you can get. The maximum withdrawal a retiree can take is basically unknown, so you have to play the odds, but using some common sense can increase those odds. There is more than one withdrawal method, so you might take a look at them. The standard 4% initial w...
by ResearchMed
Sun Jul 13, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate > 4% if no heirs & ok to deplete captl?
Replies: 32
Views: 3082

Re: Other forums of same high Quality?

We've become quite active on CruiseCritics.com However, I would rate BH's as much better, for a couple of reasons, although partly it is due to the nature of the topics. On CC, there is sometimes a lot more in the way of "argumentative" back and forth, too often in a completely non-constru...
by ResearchMed
Sun Jul 13, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Other forums of same high Quality?
Replies: 6
Views: 1544

Re: High end purses

"Not everyone who buys something expensive is doing so to impress others, although that myth is frequently repeated on this board." I agree that it's a myth, but only those who buy expensive things for enjoyment will ever understand. I've had nice collector cars I never talk about in the ...
by ResearchMed
Sun Jul 13, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10661

Re: High end purses

In my opinion, "designer" purses look like old lady purses, similar to what my mother used to lug around (she actually carried a pair of pliers in her purse). They are too big and bulky and look more like carry-on luggage than anything. What on earth do these women put in them? I see wome...
by ResearchMed
Sun Jul 13, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10661

Re: Travel Converters/Adapters

More info here; https://www.ricksteves.com/travel-tips/phones-tech/electric-adapters-converters Look very carefully at the item you want to use to make sure that it says something like 110/220 on it or it will get fried and might start a fire. (most do) This is very important. Many (most?) modern e...
by ResearchMed
Sun Jul 13, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: Travel Converters/Adapters
Replies: 11
Views: 872

Re: High end purses

In my opinion, "designer" purses look like old lady purses, similar to what my mother used to lug around (she actually carried a pair of pliers in her purse). They are too big and bulky and look more like carry-on luggage than anything. What on earth do these women put in them? I see wome...
by ResearchMed
Sun Jul 13, 2014 7:02 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10661

Re: Who else hates choosing a car?

One car I considered was the newer 2014 Honda Accord Hybrid. It's boring looking ... but it does get 47 MPG (supposedly). That right there would be a $2500 per year gas savings. How do you all handle this? Buy what you can afford and makes you happy. Something like a Lexus RX hybrid gets you most o...
by ResearchMed
Sat Jul 12, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6283

Re: High end purses

[Re-adjusting flame-resistant designer outfit...] I frequently find myself baffled by some of the judgmental comments on this website about how others spend their own money, or contemplate doing so. Aren't the basic themes of this website, this philosophy, to invest sufficiently and wisely (most he...
by ResearchMed
Sat Jul 12, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10661

Re: High end purses

This thread will rapidly go the way of those such as discussions about $5,000 watches. The bottom line from other threads, about not saving everything and enjoying life too, is probably along the lines of: -- can you/she afford something expensive? -- will she enjoy it for a long time? -- do you hav...
by ResearchMed
Fri Jul 11, 2014 10:48 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10661

Re: Abbreviations

The wiki has PIA, but not under its own listing (it is under FRA). I think it deserves its own place in the sun. I also have a question about the wording; try these. FRA - Full Retirement Age. The age at which your social security benefits are not reduced for age. See: Social Security PIA - Primary...
by ResearchMed
Fri Jul 11, 2014 9:40 pm
 
Forum: Forum Issues and Administration
Topic: Abbreviations
Replies: 11
Views: 628

Re: Vacation Home Fractional Ownership

I have no experience with fractional ownership, but with the posts above, it sounds like a pain in the buttocks. Do you really want to have to go to the vacation house every year? What if you want to go to Utah or Idaho next winter? Or if it has to be this area, why not just rent a place, and let t...
by ResearchMed
Fri Jul 11, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Home Fractional Ownership
Replies: 15
Views: 1704

Re: What after-tax income could you live on today?

"Could" live on "if we had to" (and still be comfortable), or "expect to live on", both distinguished from "hope" to live on if things don't derail? VERY different, even without downsizing. And "with downsizing", even though our house is bigger than ...
by ResearchMed
Fri Jul 11, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 4864
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