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by ResearchMed
Fri May 22, 2015 6:10 pm
Forum: Personal Consumer Issues
Topic: Traveling Insurance
Replies: 6
Views: 336

Re: Traveling Insurance

If by travel insurance you are talking about medevac, I highly recommend Medjet Assist. I don't work for them, but have their Expat policy as I live overseas. I know several persons that they brought back due to serious accident or illness. Unlike some competitors, they will bring you back to a pla...
by ResearchMed
Wed May 20, 2015 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: ATM fraud minimization steps
Replies: 15
Views: 851

Re: ATM fraud minimization steps

Several months ago, I tried to use my ATM card to see if I remembered the PIN as I was about to go overseas. It turns out my card was expired from not having been used. I'm glad I checked as I was able to get a new card the same day. Other steps to take: Check your bank acccount online every day. :...
by ResearchMed
Wed May 20, 2015 2:33 pm
Forum: Personal Consumer Issues
Topic: Trip Insurance
Replies: 35
Views: 1514

Re: Trip Insurance

I was in Colombia and was fortunate to have insurance. Due to a medical emergency a Lear jet was flown in with a doctor and a nurse and flew me to a hospital in Miami. Travel Insurance covered the flight, the ambulance, 1 week hotel expenses for my wife and first class air home.My personal insuranc...
by ResearchMed
Wed May 20, 2015 9:20 am
Forum: Personal Consumer Issues
Topic: Building a guest house
Replies: 20
Views: 1749

Re: Building a guest house

Our cousin approached us last year with a guest house on our property. [...] What do you think about this plan? Personally, I would avoid being a landlord to a relative. And even if this wasn't your cousin, there are potential problems. What if turns out to be a terrible tenant and you have to boot...
by ResearchMed
Tue May 19, 2015 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 16
Views: 1349

Re: Moving Vanguard Funds to a broker?

navyitaly wrote:For the record Schwab charges $76 to BUY and $0 to sell...so if you bring a fund in transfer in-kind it is $0 to SELL it.


Good to know. Thanks!

I only ever checked about "buy" costs.

That's terrific for the OP!

RM
by ResearchMed
Tue May 19, 2015 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 16
Views: 1349

Re: Moving Vanguard Funds to a broker?

I am becoming more and more disenchanted with what I consider Vanguard's poor legal/custodial/communication decisions (not with their investment ones). One such has already caused me damage; a new one did not damage me personally, but had the potential to, and I'm losing confidence in their ability...
by ResearchMed
Tue May 19, 2015 10:51 am
Forum: Investing - Theory, News & General
Topic: Supreme Court rules in favor of 401k participants who object to high fees
Replies: 30
Views: 2893

Re: Supreme Court rules in favor of 401k participants who object to high fees

I'm not sure I understand fully. Is the following statement correct? The ruling is saying trustees have a fiduciary duty both during the setup and choosing the funds of the plan, and thereafter monitoring the plan and especially in the ongoing fund choice. ---------------------- Addressing the poin...
by ResearchMed
Tue May 19, 2015 9:22 am
Forum: Investing - Theory, News & General
Topic: Supreme Court rules in favor of 401k participants who object to high fees
Replies: 30
Views: 2893

Re: Supreme Court rules in favor of 401k participants who object to high fees

Does this mean as trustees, we cannot offer actively managed mutual funds? Or can we do so as long as we offer a menu of low cost index funds as well? We offer total stock, total bond and total international as well as vanguard REIT, TIPS and convertibles. We do not offer index funds for small cap ...
by ResearchMed
Tue May 19, 2015 9:16 am
Forum: Personal Consumer Issues
Topic: Trip Insurance
Replies: 35
Views: 1514

Re: Trip Insurance

I worked in the Travel industry for 35 years and never used trip insurance prior to retirement. Since then, I always purchase insurance. The medical coverage overseas is a primary reason, and for the higher cost trips, insurance covers any monetary reimbursements. I had a trip planned this week for...
by ResearchMed
Tue May 19, 2015 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Estimating Portfolio Return
Replies: 13
Views: 1078

Re: Estimating Portfolio Return

We just kept saving at a decent amount over the decades. Whatever the rate of return, we couldn't predict. There were some "great years", and some truly dreadful ones. We just plodded on. Fortunately, "the market" did slowly continue the overall trend up, regardless of the bumps ...
by ResearchMed
Tue May 19, 2015 8:28 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads (in general) plan to finance their healthcare for later life?
Replies: 34
Views: 3541

Re: How do Bogleheads (in general) plan to finance their healthcare for later life?

We are grandfathered in to some very good retiree health insurance, which will be a blessing. (Younger cohorts will have coverage, but not as good.) We've also got long term coverage for DH. When Employer switched insurers for their plan a few years ago, there was a new "window" during whi...
by ResearchMed
Tue May 19, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: Trip Insurance
Replies: 35
Views: 1514

Re: Trip Insurance

BahamaMan, had you gotten sick while out of the country, your US health insurance would have covered nothing and you would have had to arrange your own return possibly while still incapacitated. That's not necessarily true. I've gotten medical care outside of the US before. While they did not accep...
by ResearchMed
Mon May 18, 2015 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Home buying strategies for mother-in-law?
Replies: 9
Views: 728

Re: Home buying strategies for mother-in-law?

Thanks for the responses, we're really interested in alternative financing options for buying her a home. Moving into a new home was originally our idea and she wasn't interested, but has since warmed up to it, especially after talking to her sister (to the point of looking for lots herself). Whate...
by ResearchMed
Sun May 17, 2015 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase home without permits?
Replies: 70
Views: 4186

Re: Should we purchase home without permits?

The only thing I don't like about this approach is our homeowner's insurance may not cover damage if something happens during the days/weeks it takes for us to get things up to code and permitted. Change "may not" to "will not", meaning your homeowner's insurance will not cover ...
by ResearchMed
Sun May 17, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: PDF file locking up computer
Replies: 20
Views: 1287

Re: PDF file locking up computer

I've had this happen before, and what it was doing was opening up Adobe and then asking me to save the document automatically. The problem was, the "do you want to save" dialog box was opened up behind all the windows giving the appearance it was locked. THANK YOU! This solved the problem...
by ResearchMed
Sun May 17, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off student debt by selling off taxable account assets
Replies: 16
Views: 745

Re: Pay off student debt by selling off taxable account assets

Make sure you keep enough available (meaning not locked up in retirement accounts that are either inaccessible or have a penalty) as an emergency fund. Once you start the higher-paying job, you'll be able to start making a real dent in that debt, assuming you live frugally for a while. If you aren't...
by ResearchMed
Sun May 17, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone limit available credit on Credit card?
Replies: 34
Views: 2354

Re: Does anyone limit available credit on Credit card?

I try to prepay most of the big items from the US and I carry cash with me. I try to avoid using any card card/AMT card overseas. Credit card fraud isn't something I worry about. The bank is liable for it. I'd worry about carrying a lot of cash when traveling anywhere, in the U.S. or abroad. That s...
by ResearchMed
Sun May 17, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone limit available credit on Credit card?
Replies: 34
Views: 2354

Re: Does anyone limit available credit on Credit card?

I was wondering if anyone has limited the available credit on credit cards. A few years ago I had fraudulent charges placed on two credit cards so I called them up and asked them to restrict the amount to $5,000. I have just opened a new bank account and got a new CC. I'm am horrified to see that I...
by ResearchMed
Sun May 17, 2015 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Dodge and cox foreign-anyone use it?
Replies: 11
Views: 1021

Re: Dodge and cox foreign-anyone use it?

Dodge and Cox has a fairly new global fund. I believe the ticker is DODGX. I have not owned the global fund. However, if you are asking about Dodge & Cox International fund I owned it for 10+ years then exchanged it for Vanguard's Total International. The Dodge and Cox International fund grew f...
by ResearchMed
Sun May 17, 2015 9:11 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter (MA)
Replies: 129
Views: 9843

Re: Master Thread for Metro Boston's Chapter (MA)

Updated roll call for our coming meeting on May the 30th in Waltham. See logistics here: https://www.bogleheads.org/forum/viewtopic.php?f=9&t=152268&p=2479142#p2471598 Here is a list of individuals who gave me a clear indication that they are going to come: siamond positive gabriel1970 The ...
by ResearchMed
Sat May 16, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities
Replies: 41
Views: 3340

Re: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities

Here is the "flaw" in Pfau's piece. For the "term life" example, he states the following: " At retirement, the couple who used term-life is assumed to avoid insurance products and aims to get their retirement income using only withdrawals from their investment portfolio .&qu...
by ResearchMed
Thu May 14, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Contingent Offer
Replies: 13
Views: 1553

Re: Contingent Offer

Agent #1 brought you the willing buyer Agent #1 gets the commission. I have NO problem paying Agent #1 the commission if I end up selling to this particular buyer. The contract with Agent #1 was until the middle of March. At his suggestion, we remodeled our kitchen. The house was taken off the mark...
by ResearchMed
Wed May 13, 2015 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase home without permits?
Replies: 70
Views: 4186

Re: Should we purchase home without permits?

I called the City, and they said the extra BR/BA won't be torn down unless there is something obviously wrong. The problem I see is that when you pull a permit, say for construction, they want to see the work before sheetrock and insulation to inspect the framing. This means ripping the wall out do...
by ResearchMed
Wed May 13, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: SPIA for mom?
Replies: 33
Views: 1804

Re: SPIA for mom?

When did she start taking Social Security? Are these survivor benefits, or based upon her own earnings? Also, especially if she and you are concerned about longevity, keep in mind what $680 or so is likely to be "worth" in 20, 25, or 30 years. There is more than one way to deal with the in...
by ResearchMed
Tue May 12, 2015 5:29 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9152

Re: I Hate Vacations

OP, just do whatever you feel like doing when on "vacation". If that means going nowhere, do so. Do not worry about what others may think about how you spend your vacation, or what comments they may make, whether people in your social circle or people here This ^ Define "vacation&quo...
by ResearchMed
Tue May 12, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on renting a room in my home to a friend
Replies: 30
Views: 1768

Re: Taxes on renting a room in my home to a friend

Regardless of how you handle the rent and taxes (and I'm not sure how that is supposed to work), you should definitely run this by your insurance agent. The last thing you'd want is if there is some reason for a claim, and the insurer "found out" that someone was living there (not as a gue...
by ResearchMed
Tue May 12, 2015 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase home without permits?
Replies: 70
Views: 4186

Re: Should we purchase home without permits?

I called the City, and they said the extra BR/BA won't be torn down unless there is something obviously wrong. It appears the additions were done many years past (not sure exactly when but not in the past 10 years or so). They said we may pay double the fines to get the permits, we cannot make chan...
by ResearchMed
Tue May 12, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: Especially with TIAA Real Estate
Replies: 21
Views: 937

Re: Portfolio Advice: Especially with TIAA Real Estate

I have 10% of my portfolio in TREA, and divvy it up 5% bonds/5% equities, as others have suggested. If your bonds are for stability, then it certainly reduces your volatility in the short term. However, the longer-term volatility can be much greater, much more equity-like, as we saw in 2008-9: http...
by ResearchMed
Tue May 12, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Bought a brand new house - what next?
Replies: 17
Views: 2064

Re: Bought a brand new house - what next?

Change the locks on all exterior doors, including to garage and between house and garage. At the minimum, if you keep the locks, have them re-keyed. We'd suggest Medeco. (But note, if you yourself get locked out, it's harder to get back in. More difficult and more costly.) Double check that ground l...
by ResearchMed
Tue May 12, 2015 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase home without permits?
Replies: 70
Views: 4186

Re: Should we purchase home without permits?

We plan to purchase a home, however there is a discrepancy between the number of BR/BA currently compared with public records. We have asked the listing agent for the permit info without a response and are calling the city tomorrow. What are the ramifications for buying a home without permits for a...
by ResearchMed
Mon May 11, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: (Mortgage) Prequalifing vs. Applying
Replies: 9
Views: 681

Re: (Mortgage) Prequalifing vs. Applying

I was recently prequalified for a mortgage and put earnest down on a new construction which won't be ready to close for 5-6 months. I didn't shop around lenders because all I truly needed right now was a prequalifing letter to satisfy the builder. I plan to shop around lenders when I am closer to c...
by ResearchMed
Thu May 07, 2015 3:04 pm
Forum: Personal Consumer Issues
Topic: What to do with mink coat
Replies: 30
Views: 2302

Re: What to do with mink coat

If it is a full coat (not a wrap, etc.) and you live in a very cold winter climate, you could have a coat (or full jacket) lined with it. Very warm, and keeps the wind out, too. I wouldn't buy a fur these days, but I have an old coat lined in mink, and it's the warmest thing I've got for cold/windy ...
by ResearchMed
Thu May 07, 2015 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help delaying SS (or not)
Replies: 6
Views: 484

Re: Help delaying SS (or not)

For starters, you can probably file for Spousal benefits when you are FRA, which should help getting you through from age 66 to 70. It will be 50% of your wife's FRA-age benefits unless she originally filed before her FRA, in which case you'll get half of what her early filing benefits are. RM Even...
by ResearchMed
Thu May 07, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help delaying SS (or not)
Replies: 6
Views: 484

Re: Help delaying SS (or not)

For starters, you can probably file for Spousal benefits when you are FRA, which should help getting you through from age 66 to 70.

It will be 50% of your wife's FRA-age benefits unless she originally filed before her FRA, in which case you'll get half of what her early filing benefits are.

RM
by ResearchMed
Thu May 07, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: Are we experiencing a bond correction or crash?
Replies: 34
Views: 5670

Re: Are we experiencing a bond correction or crash?

thoughts? Because these topics are supposed to be actionable , when you ask your questions, why don't you include what your specific situation is for the topic at hand, and what the decisions/etc., are for which you need some information or suggestions. Not only will this "play by the rules&qu...
by ResearchMed
Thu May 07, 2015 9:29 am
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 63
Views: 3077

Re: 400lbs, delivery or pick up?

I go through 40lbs of clay clumping cat litter a week - get it delivered! I wish I could.. I get my cat food delivered once a month in a combo of 200 packs of 4 sachets, 6 trays of 24 tins and 3 25lb sacks. 9 indoor kitties and 12+twice daily visitors to my street cat soup kitchen. If you have mole...
by ResearchMed
Thu May 07, 2015 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Power of attorney
Replies: 52
Views: 2255

Re: Power of attorney

Update status: Our Employer has recently sent this information along with the PA statute to Vanguard, to determine if Vanguard will or will not be honoring a DPoA (or any PoA flavor) that is legal in our state. I'm sure Vanguard will find a way to wiggle out of it, or put up a good fight. :annoyed (...
by ResearchMed
Thu May 07, 2015 9:08 am
Forum: Investing - Theory, News & General
Topic: Meeting to improve 403b with our plan administrator
Replies: 13
Views: 920

Re: Meeting to improve 403b with our plan administrator

Thanks for the feedback. We are a school corporation and we have 5 vendors right now. I spoke to someone with Vanguard and it sounds like it is very easy to set up a 403b plan offering. All our corporation would have to do is download the 403b kit and submit the information. I'm not looking to chan...
by ResearchMed
Wed May 06, 2015 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Credit union: "once a member, always a member"?
Replies: 22
Views: 1629

Re: Credit union: "once a member, always a member"?

I've wondered how that slogan applies to someone who closed all accounts, then some time later (when not meeting the current membership criteria for whatever reason) wanted to re-establish a relationship. If this is a concern then don't close all your accounts. At my CU all I need do is keep $5 in ...
by ResearchMed
Wed May 06, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Credit union: "once a member, always a member"?
Replies: 22
Views: 1629

Re: Credit union: "once a member, always a member"?

I've wondered how that slogan applies to someone who closed all accounts, then some time later (when not meeting the current membership criteria for whatever reason) wanted to re-establish a relationship. If this is a concern then don't close all your accounts. At my CU all I need do is keep $5 in ...
by ResearchMed
Wed May 06, 2015 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity GPS problems
Replies: 13
Views: 1150

Re: Fidelity GPS problems

I've had the same thing happen, including for multiple days at a time. Logging off the Fidelity account and back in, or rebooting entirely did not fix the problem. Each time, it just seemed that "suddenly", the linked accounts were back. It hasn't happened very recently. I thought I had re...
by ResearchMed
Tue May 05, 2015 12:29 pm
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 63
Views: 3077

Re: 400lbs, delivery or pick up?

It's clay. It's mined. It's a mineral. You can make bricks. It's "organic" . IMO, 400# of clay litter isn't going to affect 70 acres of land. I add clay and ashes to our composed compost because the compost is all organic matter. A good soil is roughly composed of organic matter, sand, an...
by ResearchMed
Mon May 04, 2015 9:08 pm
Forum: Personal Consumer Issues
Topic: Used vehicle purchase disaster
Replies: 37
Views: 3779

Re: Used vehicle purchase disaster

Am I the only one confused about what it means to buy a vehicle "as is" AND get some sort of warranty through that same seller?

RM
by ResearchMed
Mon May 04, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 63
Views: 3077

Re: 400lbs, delivery or pick up?

jebmke: See my avatar... he's 1 of 6... :) … his name is Krumm (those are not his real teeth!). I luvs your avatar. :D ResearchMed: I have not signed up for notifications. Tho calling the local UPS might actually be a good idea, maybe even a conf call with the shipper (in this example chewy.com)......
by ResearchMed
Mon May 04, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: Car Insurance Claim Question
Replies: 7
Views: 573

Re: Car Insurance Claim Question

We had a minor accident in our driveway this weekend in which one car scraped the other. The repair estimate is about $1,300. My wife called the insurance company and they said that our deductible is $500. Should we file the claim and get our $800 or will we end up paying more in the long run in hi...
by ResearchMed
Mon May 04, 2015 5:50 pm
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 63
Views: 3077

Re: 400lbs, delivery or pick up?

Have you signed up for delivery notifications from UPS (or FedEx/etc.)? That way, you could also coordinate with Dispatch, to make sure that you are home, if there is something that needs to come inside. (Not sure that you'd want 400# of cat litter sitting in the rain, for example...) We haven't wor...
by ResearchMed
Mon May 04, 2015 4:37 pm
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 63
Views: 3077

Re: 400lbs, delivery or pick up?

My guilty conscience is strong... but how strong... or how much value should I give it? I want to purchase 400 lbs of cat litter. I can order and pick up at the store, which means the folks who are loading, hauling, and unloading are dealing with all sorts of heavy stuff other than my kitties' pee ...
by ResearchMed
Mon May 04, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Power of attorney
Replies: 52
Views: 2255

Re: Power of attorney

I would note that Pennsylvania changed their statute in 2014 and mandates acceptance of poa including out of state POA. http://www.legis.state.pa.us/cfdocs/legis/li/uconsCheck.cfm?yr=2014&sessInd=0&act=95 5608.1. Liability for refusal to accept power of attorney. (a) Acceptance required.--E...
by ResearchMed
Fri May 01, 2015 9:26 pm
Forum: Investing - Theory, News & General
Topic: Annuities: Bad in principle or practice?
Replies: 75
Views: 4198

Re: Annuities: Bad in principle or practice?

At current interest immediate fixed annuities are primarily insurance against living to long. For example I read that at age 70 you can get $2000 permonth (with nothing to your heirs if you die for $314,000. Clearly that has zero value unless you live 16+ years which is slightly more than median li...
by ResearchMed
Fri May 01, 2015 3:58 pm
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4692

Re: Oh yuck, what just happened to the font?

Yep, broken here too on both my desktop browser (IE 11 on Win 8.1) and phone browser (IE on Win phone 8.1) for the bogleheads.org web site. It wasn't doing this at 11 am PDT on the desktop. Some place after about that time the fonts became smaller and pushed together. It's very hard to read. It's h...

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