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Re: Supreme Court to hear fiduciary duty/high cost funds cas

We seem to be making some headway with Employer, in part by "dropping hints" (dropping perhaps like lead balloons!?) about several cases, including, about a week or two ago, a reminder about the Tibble Case. That's great; bogleheads should consider sending their employers these cases to c...
by ResearchMed
Wed Jan 28, 2015 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 28
Views: 3614

Re: Expense ratio of individual stocks at Vanguard

However, if you thought that stocks had an expense ratio I would caution you to read more before investing in them. OP - consider this comment carefully. I think the OP might be used used to Europe where custody fees are very common, almost unavoidable. Let's be nice. There are none at Vanguard, or...
by ResearchMed
Tue Jan 27, 2015 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio of individual stocks at Vanguard
Replies: 16
Views: 1181

Re: Newer washing machine freaks out dog

First question is: Are you sure that the new washing machine is operating correctly?

"Grinding" sound doesn't sound quite right.

RM
by ResearchMed
Tue Jan 27, 2015 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 34
Views: 2021

Re: Perplexed by Oil Heating Issue

I'd also check with a different HVAC guy/company.

RM
by ResearchMed
Tue Jan 27, 2015 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Perplexed by Oil Heating Issue
Replies: 8
Views: 892

Re: Supreme Court to hear fiduciary duty/high cost funds cas

Will this have any bearing on the claim (by MegaEmployer) that they are not "allowed" to offer, say, Institutional classes [lower ER classes] of Vanguard mutual funds because it would disproportionately benefit higher-paid employees? I'm sure I've seen others list their mutual funds avail...
by ResearchMed
Mon Jan 26, 2015 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 28
Views: 3614

Re: wife's purse

Got my s/o her first Coach purse 2 years ago from an outlet store for Christmas. It was cloth with leather straps and trim. She used it as her every day bag, literally every day, for 2 years and the leather's stitching began to fray. The remainder of the bag was in good shape. I bought her another ...
by ResearchMed
Mon Jan 26, 2015 3:58 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 33
Views: 2822

Re: What's wrong with volatility if buy&hold

I cannot address what Prof. Lo might have meant, but to answer your title question - there is a problem with volatility beyond its association with risk. Volatility produces a drag on compounded returns. So while the annual average return may remain constant, the greater the volatility, the greater...
by ResearchMed
Mon Jan 26, 2015 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with volatility if buy&hold
Replies: 41
Views: 2552

Re: Vanguard Low Cost Actively Managed Funds

Hi everyone, I have most of my investments with Fidelity. About 50% of my portfolio is in Vanguard Wellington and Vanguard Wellesley, both in Investor shares because Fidelity doesn't offer Admiral shares. I could save about $700 annually in fees by moving those two funds to Vanguard. It make sense ...
by ResearchMed
Sun Jan 25, 2015 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Low Cost Actively Managed Funds
Replies: 8
Views: 1401

Re: Time to stop driving for 85 yo MIL

As to the taxi suggestion, there are zero taxis in my rural area. That is when there is a real problem for seniors, or even anyone without a drivers license and vehicle. It's especially bad for anyone who did drive, and then can't, whether due to age or injury/medical condition, because the housing...
by ResearchMed
Sun Jan 25, 2015 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3649

Re: Time to stop driving for 85 yo MIL

We had my father-in-law's doctor call the state motor vehicles department to express concern. The state required him to take a driving test. He failed. They gave him the option of taking a driving class for seniors and getting tested again. He did and he failed again. End of driver's license. I hav...
by ResearchMed
Sun Jan 25, 2015 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3649

Re: Time to stop driving for 85 yo MIL

When I couldn't drive because of a broken leg a few years ago, I felt very, very isolated and to some degree helpless. No more hopping into the car to pick up a few groceries or a prescription at the pharmacy or something at the garden center. No getting to doctor's appointments by myself. You are ...
by ResearchMed
Sun Jan 25, 2015 11:59 am
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3649

Re: Time to stop driving for 85 yo MIL

We had to face this with both of my parents, who FOUGHT like crazy and resisted. After we visited one final time and declared we would NEVER get in a car with them, we had to do something. (This was triggered by one of our children declaring after a visit with their own children that they'd never ge...
by ResearchMed
Sun Jan 25, 2015 11:43 am
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3649

Re: Anti-anti-fragile, or, the Contrapositive

Thanks to VictoriaF, I've read Taleb. Thanks to VictoriaF, I've read VictoriaF. :wink: There are other experts whose words I've read, and pondered. I have a sincere question, to which I do not today know the answer, descended from my claim, weeks ago, to be robust (as Taleb writes about and then go...
by ResearchMed
Sat Jan 24, 2015 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Anti-anti-fragile, or, the Contrapositive
Replies: 4
Views: 573

Re: Anti-anti-fragile, or, the Contrapositive

Thanks to VictoriaF, I've read Taleb. Thanks to VictoriaF, I've read VictoriaF. :wink: There are other experts whose words I've read, and pondered. I have a sincere question, to which I do not today know the answer, descended from my claim, weeks ago, to be robust (as Taleb writes about and then go...
by ResearchMed
Sat Jan 24, 2015 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Anti-anti-fragile, or, the Contrapositive
Replies: 4
Views: 573

Re: Recommend a clickless mouse

Anybody have a PC-only solution? I'm frankly shocked that there isn't one out there. Clickiness is nice, but I can't believe that there aren't more superearly birds with spouses they don't want to wake up with the clickiness of their mouse. Seems like an untapped market! "untapped" market...
by ResearchMed
Sat Jan 24, 2015 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2321

Re: Foreclosed-Law Firm pursuing amount of second lo

... I understand what you're saying. I guess just seeing if anyone had dealt with the law firm before, anyone been in this situation and successfully had a legal loophole to get out of it, if they can come after the second loan even though received settlement that it was illegally forcelosed (yes t...
by ResearchMed
Fri Jan 23, 2015 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosed-Law Firm pursuing amount of second lo
Replies: 31
Views: 2290

Re: Negotiating Price of New Construction Home with Builder?

As FrogPrince mentioned, the builder will want to have the public selling price be higher, rather than lower (and especially if they are likely to sell other similar homes in this area). We had this situation, and what we did was to ask for a variety of upgrades, some of which we paid for (so the pr...
by ResearchMed
Fri Jan 23, 2015 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating Price of New Construction Home with Builder?
Replies: 9
Views: 1055

Re: Foreclosed-Law Firm pursuing amount of second lo

Thanks all pretty much the responses I have from lawyers are either they don't handle that area or what do I want them to do. Basically saying if you have to go to court, want to negotiate settlement, or file for bankruptcy then they can help otherwise there isn't anything to do. Also one told me t...
by ResearchMed
Fri Jan 23, 2015 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosed-Law Firm pursuing amount of second lo
Replies: 31
Views: 2290

Re: Help with 401k Question

Yes, it is a ERISA plan. Okay, that's probably helpful. FIRST thing: verify that your information is correct. Call Schwab (whichever group/number handles this particular 401k). It's possible, and I'll hope, that there is some misunderstanding. Perhaps DFA funds can't be used without a minimum, but ...
by ResearchMed
Thu Jan 22, 2015 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k Question
Replies: 11
Views: 484

Re: Help with 401k Question

Just checking: Is this an ERISA plan?

RM
by ResearchMed
Thu Jan 22, 2015 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k Question
Replies: 11
Views: 484

Re: Selling mutual fund to buy ETF - "out of market" risk

Wait until you have to go through a large 401k to IRA rollover and are out of the market for weeks. :twisted: That's what the recent TIAA-CREF class action settlement checks were for many of us! T-C sat on the money for, sometimes, WEEKS before actually sending the check to the new firm. (What I do...
by ResearchMed
Thu Jan 22, 2015 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling mutual fund to buy ETF - "out of market" risk
Replies: 17
Views: 831

Re: Ask plumber to pay for damages?

You might also want to call in someone like Service Master; this might be arranged by your insurer. You want to be sure that no mold gets started, especially where it can't be seen. They might bring in industrial fans and dehumidifiers, and then check elsewhere for moisture (drywall near floor?). Th...
by ResearchMed
Thu Jan 22, 2015 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Ask plumber to pay for damages?
Replies: 12
Views: 1899

Re: [Rear-ended, medical insurance claims and Medicare]

We still have employee medical coverage, so I don't know if this would have been different with Medicare: DH and car were struck by teen who admitted to police that he floored it and only looked "the other direction". Car totaled. Not DH, thank goodness. We are in a no fault state, so our ...
by ResearchMed
Thu Jan 22, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Rear-ended, medical insurance claims and Medicare]
Replies: 7
Views: 481

Re: Selling mutual fund to buy ETF - "out of market" risk

Many ETF purchases have a fee for each buy and sell.
However, at some brokerage firms, there might be certain ETF's that can be bought/sold with no fee.

Before you decider to do this in weekly chunks, make sure if there are such fee, and then make the decision about frequency.

RM
by ResearchMed
Thu Jan 22, 2015 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling mutual fund to buy ETF - "out of market" risk
Replies: 17
Views: 831

Re: Establishing short-term rental vacation home business?

Another possibility in terms of jumpstarting the rentals would be to see if you can work with whomever you have selected to manage the rental process, arranging to bring to them any "leads" (or better!) so they can follow up with the rest of it. Some mgmt. agencies are not willing to do th...
by ResearchMed
Thu Jan 22, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Establishing short-term rental vacation home business?
Replies: 8
Views: 759

Re: Establishing short-term rental vacation home business?

Thanks ResearchMed. We only truly need a Management Company for Year One to be a single point of contact and as someone who'll arrange all cleaning and other services required. In Year Two, we may be able to hire someone in the short-term vacation home rental subdivision who lives there year round ...
by ResearchMed
Thu Jan 22, 2015 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Establishing short-term rental vacation home business?
Replies: 8
Views: 759

Re: Need a good place to store my cash

But several BH members DID give you thoughtful replies last time you asked. Further, my comment about the market going up while some people hold cash on the sideline, "waiting", IS a real answer, even if you don't like it or agree with it. This seems to be a pattern for many of the answers...
by ResearchMed
Wed Jan 21, 2015 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a good place to store my cash
Replies: 20
Views: 1316

Re: Need a good place to store my cash

Do you expect different answers than the ones you got to your similar question last October? https://www.bogleheads.org/forum/viewtopic.php?f=1&t=149149 ^^THIS. Why? You keep repeating the same questions. If you want different types of answers, you should try a different forum, probably one tha...
by ResearchMed
Wed Jan 21, 2015 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a good place to store my cash
Replies: 20
Views: 1316

Re: Stop the BS 401k and go IRA?

Is it possible to stop employer-sponsored junk 401k and just do Vanguard IRA? If so, how much can one contribute. By the way, I am going to boycott all things nationwide, which is a complete rip-off. It's possible to stop, but if your employer offers a match on 401(k) contributions, you want to get...
by ResearchMed
Wed Jan 21, 2015 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Stop the BS 401k and go IRA?
Replies: 8
Views: 982

Re: Is my employer's 'retiree' practice common?

Alan, The reduced benefit I'd receive by taking the pension early isn't a problem. I don't have any plan to take the pension until 65. My concern is that I won't be considered a company "retiree" until I'm 65 and start drawing on the pension. In the intervening years I'll just be a "...
by ResearchMed
Wed Jan 21, 2015 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my employer's 'retiree' practice common?
Replies: 16
Views: 2469

Re: Supreme Court to hear fiduciary duty/high cost funds cas

Now stop wasting time reading this thread and start drafting complaints against your former employers :) Hey! I resemble that remark! See this thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=155093 where I consider complaining to the HR department of my former employer about the hi...
by ResearchMed
Tue Jan 20, 2015 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 28
Views: 3614

Re: Alaska Cruise, end-May, Travel Advice

Take a look at CruiseCritic.com A few specific places to look: Go to the FORUM section. Then take a look at the part for the specific cruise line you'll be using. There will also be a section for "Roll Calls" for that cruise line. In that section, see if there is already a thread ongoing f...
by ResearchMed
Tue Jan 20, 2015 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Alaska Cruise, end-May, Travel Advice
Replies: 4
Views: 433

Fidelity heading up new "Dark Pool" ?

Apparently Fidelity is about to be involved in (in charge of, I think) some sort of new Dark Pool operation. How do these dark pools affect the trades (individual stocks, ETF's, or mutual funds) for the rest of us? I'm still not entirely clear about how HFT (high frequency trading) affects "the...
by ResearchMed
Tue Jan 20, 2015 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity heading up new "Dark Pool" ?
Replies: 2
Views: 716

Re: “How Does Aging Affect Financial Decision Making?”

I fear the problem is, your ability diminishes long before your confidence does, and also long before anyone would consider you not competent. I will make a plan for this, so that by age 70 when we are done deferring SS and are facing RMDs, everything will be on auto-pilot so that no tinkering or t...
by ResearchMed
Tue Jan 20, 2015 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2754

Re: “How Does Aging Affect Financial Decision Making?”

I thought of the test, but wondered if one might not learn the test and then be able to fake it in later years. One thing I have done is execute a Power of Attorney in favor of my wife and stepson (our executor). It's ready to go, no need to convince anyone I've lost my marbles. L. You mean a Durab...
by ResearchMed
Tue Jan 20, 2015 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2754

Re: Lenovo Yoga (& sudden shut down?)

"I just want my Windows 7 back, please..." Then you wasted money on a touch screen. Install Classic Shell. I have Win7 running on my work machine and Win8 on a machine I use for entertainment, mostly music, without a touchscreen. I intentionally did not alter it just to see how the work f...
by ResearchMed
Mon Jan 19, 2015 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo Yoga (& sudden shut down?)
Replies: 27
Views: 2117

Re: The "Less Than" a Million $ Club

<$1 million in retirement with no pension and not collecting social security can be radically different from <$1 million with social security plus $50,000 in a yearly pension. Are you including the net present value of pensions and SS in your net worth calculation? And the value of your home-with-n...
by ResearchMed
Mon Jan 19, 2015 3:07 pm
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 71
Views: 10247

Re: Account disclosure requirements for refinance

I'm not sure how/whether this would apply for a refinance, but for a purchase, the lender might want to look at all accounts to make sure there is not any hidden sudden lump sum coming in for a down payment that wasn't supposed to be loaned by someone else. If it's a gift, they need to see that docu...
by ResearchMed
Mon Jan 19, 2015 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Account disclosure requirements for refinance
Replies: 20
Views: 905

Re: Land - Me or my Neighbor

IANAL, but: If you maintain it for your own aesthetics, that should be OK. Others using the property, that is your neighbor's problem. That should also not be much of an issue, unless the land contains an attractive hazard, such as a pond or playground equipment. Talk to your insurance agent. If yo...
by ResearchMed
Mon Jan 19, 2015 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3411

Re: Lenovo Yoga (& sudden shut down?)

Is it hot? This sounds a lot like a heat management issue I had. In my case, I didn't have enough thermal paste on my CPU. Basically, if your processor gets too hot, windows will take the entire system down without warning. This also prevents starting the system if it is too hot. Here's what I woul...
by ResearchMed
Mon Jan 19, 2015 10:22 am
 
Forum: Personal Consumer Issues
Topic: Lenovo Yoga (& sudden shut down?)
Replies: 27
Views: 2117

Re: Lenovo Yoga (& sudden shut down?)

Don't have anything constructive to add, but to say I HATE Windows 8.1. It seems they must have beta tested it for computer guys and NOT people in the real world. I don't know anyone who likes it. Good luck. Yup, like I wrote above: "I just want my Windows 7 back, please..." :( But for ge...
by ResearchMed
Mon Jan 19, 2015 10:13 am
 
Forum: Personal Consumer Issues
Topic: Lenovo Yoga (& sudden shut down?)
Replies: 27
Views: 2117

Re: Account disclosure requirements for refinance

One possible reason it might be in the borrower's interest to "show more" rather than less is just in case it helps one to qualify for a lower rate. When we bought our current home, we were "over qualified" [I guess that means we "should have" bought a more expensive ho...
by ResearchMed
Mon Jan 19, 2015 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Account disclosure requirements for refinance
Replies: 20
Views: 905

Re: Lenovo Yoga (& sudden shut down?)

This is very interesting as I have a user with a Yoga 3 Pro which experienced exactly the same problem on Thursday 15/1 at approx. 10am. I have subsequently disconnected and reconected the battery in order to get it to start again, but it took the best part of 8 weeks worth of use for this problem ...
by ResearchMed
Sun Jan 18, 2015 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo Yoga (& sudden shut down?)
Replies: 27
Views: 2117

Re: NACA home mortgage program

I never heard of this program, and will give it a look later, out of curiosity, and in case some friends might be interested. However, you wrote: " If you just walk into a bank, you can get approved for a mortgage and buy your home the same day. At NACA, they make you prove to them over 3-6 mon...
by ResearchMed
Sun Jan 18, 2015 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: NACA home mortgage program
Replies: 4
Views: 372

Re: Help - tax issue with IRA transfer -- advice needed

Last spring I moved my IRA from Fidelity to Vanguard. Due to poor communication between me and Fidelity, the check was sent to me instead of Vanguard. I immediately moved it to Vanguard --- well within the 60 day window (probably 10-15 days). I have records of the check from Fidelity and also docum...
by ResearchMed
Sun Jan 18, 2015 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help - tax issue with IRA transfer -- advice needed
Replies: 6
Views: 313

Re: Survey - Men Who Exercise At a Gym

What about women who exercise at a Gym???

You think women don't sweat (er, "get dewey" :wink: ), or just don't bother with clean clothes?

(Also, wouldn't these answers seem to make a difference depending upon gym visit frequency - daily/every weekday, vs. once per week?)

RM
by ResearchMed
Sat Jan 17, 2015 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2627

Re: garbage disposals - are these still used?

The stand-alone disposals are pretty rare in my area anymore. They are found mainly in kitchens from the 1970s/1980s that haven't been renovated. The in-sink disposals are popular though; I have one myself. Hmmm... what's a "stand alone disposal"? Googling seemed to locate stand alone dis...
by ResearchMed
Sat Jan 17, 2015 3:27 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3681

Re: garbage disposals - are these still used?

...Of course if you're on a septic system you might have to pump the tank a little more often if you're careless about what you put down them. ... Really? We have a septic system, no disposal... tho I've thought it'd be nice (first place without one). Somehow, I thought it may even be beneficial to...
by ResearchMed
Sat Jan 17, 2015 3:18 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3681

Re: Establishing short-term rental vacation home business?

We agree that the Management companies are not going to give the TLC that you would give yourself, IF you had the time and access. In our case, we have neither, because we are across the country. (This was purchased for extended family use, with hopes - definitely realized :happy - that others would...
by ResearchMed
Sat Jan 17, 2015 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing short-term rental vacation home business?
Replies: 8
Views: 759

Re: Necessary to diversify among fund families?

It may be worth making the distinction here between "at" or "with" Vanguard meaning one's accounts are held there, and "in" Vanguard meaning that the investments are Vanguard funds and ETF's. I think there is a reasonable case to be made for not putting everything &quo...
by ResearchMed
Sat Jan 17, 2015 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Necessary to diversify among fund families?
Replies: 7
Views: 660
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