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Re: Guyton-Klinger Withdrawal Decison Rules

Is there a version of Guyton-Klinger that is not perpetual, for those without major legacy desires? Perhaps using something like the percentages used for life-expectancy and required minimum distributions? The main problem I worry about with this is that whereas it might work well early on, once on...
by ResearchMed
Wed Mar 04, 2015 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Guyton-Klinger Withdrawal Decison Rules
Replies: 31
Views: 1384

Re: Guyton-Klinger Withdrawal Decison Rules

I've tinkered with Guyton-Klinger (and multiple other withdrawal strategies) quite a lot in my own Excel spreadsheets. I don't believe much in Monte-Carlo, my approach is based on solid backtesting, while playing with a drag on returns to simulate possible rosier or drearier average returns. The wa...
by ResearchMed
Wed Mar 04, 2015 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Guyton-Klinger Withdrawal Decison Rules
Replies: 31
Views: 1384

Re: Paris France help/suggestions for women

As a visitor, my daughter had good success with a pouch on a string that she hung over her neck and under her sweater. I've seen these called passport holders, or commonly used in industrial settings as badge holders (although visible, not hidden, for use displaying a badge.) Later when she stayed ...
by ResearchMed
Mon Mar 02, 2015 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Paris France help/suggestions for women
Replies: 22
Views: 1380

Re: Landlord requested addendum to lease

A totally absurd request. Only reason for them to ask is just in case they've got some totally naïve renters, I suppose. But it really speaks extremely poorly of them as landlords no matter what. I'd also worry about how they'll care for this ongoing issue in the future, if they have to pay for thei...
by ResearchMed
Mon Mar 02, 2015 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Landlord requested addendum to lease
Replies: 24
Views: 1967

Re: Father in law possible elder scam victim?

These sound like "gifts", not loans, unless you can show me paperwork to the contrary. Agree with a few others that someone with a durable POA should start handling their finances... Yes, that could be a problem if the payee claimed such. However, given that the payee wrote out the check ...
by ResearchMed
Mon Mar 02, 2015 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 1678

Re: Father in law possible elder scam victim?

We found out about the checks because the eldest daughter -is- watching things pretty closely. She saw the bank statements and immediately followed up. FIL's dementia has appeared pretty recently and suddenly. She's in the process right now of taking away his paper checks and setting up automatic b...
by ResearchMed
Mon Mar 02, 2015 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 1678

Re: Father in law possible elder scam victim?

FelixTheCat wrote:Why isn't the "eldest daughter (not my wife)" monitoring these situations? I figure it's her responsibility since she is on the trust. It's not hard to watch finances with Mint, Quicken, etc. these days.


Also, doesn't *she* have some responsibility here if she is on the trust??

RM
by ResearchMed
Mon Mar 02, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 1678

Re: Paris France help/suggestions for women

Have her take a look also at pacsafe.com They have some of the same types of items that Rick Steves has on his website, but Pacsafe has metal wiring to lessen the chance that straps/etc., can be just cut. Also, have her read up (google) on pickpocketing. It isn't meant to alarm her, but to help her ...
by ResearchMed
Mon Mar 02, 2015 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Paris France help/suggestions for women
Replies: 22
Views: 1380

Re: Father in law possible elder scam victim?

Maybe it is time to consider having someone else manage his finances without him being able to write his own checks. Given the update, I doubt you'll see a dime back. You can talk to the handymen and give them a sob story to see if they have any decency, but I wouldn't expect much given they took t...
by ResearchMed
Mon Mar 02, 2015 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 1678

Re: Job offer questions - appropriate?

The manager did not quantify the average hours. My impression is that it's more than 40, but not excessively so. I think I would want to know what the company expected of me as far as house per week before I accepted their job offer. I would not just assume the answer. Is this a salary or hourly po...
by ResearchMed
Mon Mar 02, 2015 11:51 am
 
Forum: Personal Consumer Issues
Topic: Job offer questions - appropriate?
Replies: 23
Views: 1124

Re: Is a generator worth it?

<snip...> And the generator shut off a short time after the power came back on ( but that took longer than I had expected ). RM Check your generator documentation. Mine will run an additional 1-2 minutes to "cool down" after the transfer switch has gone back over to utility power. - Ron A...
by ResearchMed
Mon Mar 02, 2015 11:36 am
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5264

Re: Father in law possible elder scam victim?

If they agreed to it, it likely isn't illegal. Sure, report it to the police, but I wouldn't expect them to do much as they typically fill their time with voilent crimes (and traffic tickets). They'll probably just tell you it is a civil matter unless others are reporting something similar about th...
by ResearchMed
Mon Mar 02, 2015 10:24 am
 
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 1678

Re: Wife turning 50, Ideas for gift?

midareff wrote:How about a surprise dinner at the Eiffel Tower? Long surprise weekend in Paris?


Now, *that's* a surprise almost anyone would love :happy

There's only one 50th!

RM
by ResearchMed
Mon Mar 02, 2015 10:12 am
 
Forum: Personal Consumer Issues
Topic: Wife turning 50, Ideas for gift?
Replies: 25
Views: 1718

Re: Selling multi-family - Push to Waive Inspection?

Having evaluated off market multi's I'd suggest contacting his most recent prior sellers to see how aggressive he his with deferred maintenance. If he's very handy it might not matter and bringing it up would hurt the deal. If he's more sophisticated then you'd need leverage such as another motivat...
by ResearchMed
Sun Mar 01, 2015 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Selling multi-family - Push to Waive Inspection?
Replies: 23
Views: 1156

Re: Wife turning 50, Ideas for gift?

Wonderful idea to do something special for her big day. But first, is she the type of person who enjoys surprises? Or is she the type who would be embarrassed (or whatever) to be caught offguard? Or, is she the type who really gets a lot of pleasure from enjoying the planning of activities and celeb...
by ResearchMed
Sun Mar 01, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Wife turning 50, Ideas for gift?
Replies: 25
Views: 1718

Re: Vanguard Managed Payout to add new fund

That's one way to front-load (no pun intended) a bunch of money into a brand new fund.

Or did I miss something?

RM
by ResearchMed
Sun Mar 01, 2015 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 26
Views: 1887

Re: Selling multi-family - Push to Waive Inspection?

Let the buyer have his inspection. After all, if you were buying, you would want to have an inspection before buying. You can simply let the buyer or any potential buyer know it is being sold "as is". That way if there are issues that any inspection brings to light, the buyer will bear th...
by ResearchMed
Sun Mar 01, 2015 10:08 am
 
Forum: Personal Consumer Issues
Topic: Selling multi-family - Push to Waive Inspection?
Replies: 23
Views: 1156

Re: Selling multi-family - Push to Waive Inspection?

Hi all, My wife and I are selling our 2 unit investment property in the Northeast. We had been interviewing Realtors, and were planning on doing showings in the next 7-10 days to get in on the market for spring. I've also had it listed on Zillow halfhazardly. Well today an investor made an offer, r...
by ResearchMed
Sun Mar 01, 2015 8:49 am
 
Forum: Personal Consumer Issues
Topic: Selling multi-family - Push to Waive Inspection?
Replies: 23
Views: 1156

Re: Wife doesn't want to retire - I do

... If she wanted to retire now, then either I would need to keep working, or we would have to rerun the numbers and see where that takes us - perhaps reducing our expenses for a while or such. The assumption in the model is that she works for 5 more years, then retires. That's what she says she wa...
by ResearchMed
Sun Mar 01, 2015 8:28 am
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 64
Views: 5378

Re: airbnb tips?

I've stayed in dozens of airbnbs without any major issues. I find it is a delightful way to travel. As one other member mentioned, having a kitchen is a huge win over pricey hotels with resort fees etc. If you stay at a place with at least a few positive reviews, you are almost guaranteed to have a...
by ResearchMed
Sat Feb 28, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: airbnb tips?
Replies: 20
Views: 1588

Re: airbnb tips?

We have used VRBO (and such) to advertise our vacation rentals. And we've rented through VRBO, too. One problem I quickly saw with airbnb - and perhaps I'm wrong about "how it works" - is that because they take a cut (rather than get their money through paid listings), THEY are always the ...
by ResearchMed
Sat Feb 28, 2015 6:04 pm
 
Forum: Personal Consumer Issues
Topic: airbnb tips?
Replies: 20
Views: 1588

Re: Is a generator worth it?

In my neighborhood, a lot of folks had a long outage with TS Sandy....and went out and bought $20k automatic whole house natural gas generators, with auto-test (monthly) functions. When icestorm Niko blew in a couple years later, a good fraction of them failed shortly after the power went out, but ...
by ResearchMed
Sat Feb 28, 2015 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5264

Re: Is a generator worth it?

Yes, at least in our area. Many (most?) homes with oil heat have big tanks in their basements. For those with buried tanks, our experience from househunting and speaking with attorneys is that any underground tank must be disclosed and removed . And this may involve testing and de-contamination of ...
by ResearchMed
Sat Feb 28, 2015 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5264

Re: How long will I l live? (mortality predictor)

Site is not working for me w/ firefox. I fill in data, press go button and nothing happens. I go to calendar and it says to enter data and press go! :?: :wink: Hi Christine_NM Do you see very faint red outlines on any of those first boxes? You need to spell out the birth month (not a number) and en...
by ResearchMed
Sat Feb 28, 2015 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long will I l live? (mortality predictor)
Replies: 17
Views: 2017

Re: "2015 Annual Letter by Scott Burns and Kennon Grose"

Always a good lesson Taylor - thank you Below is a link to the investment returns by class over 10 years -- in periodic table format notice how REITS were top 4 years and near the bottom 4 years http://seekingalpha.com/article/1928381-asset-class-returns-from-2004-to-2013 If you click on the "...
by ResearchMed
Sat Feb 28, 2015 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: "2015 Annual Letter by Scott Burns and Kennon Grose"
Replies: 8
Views: 1148

Re: Is there a way to provide for inflation ?

The answer to the OP's question is likely an optimal MIX of annuities plus a basket of funds. (I'm not much a fan of CDs...) If by "funds" you mean mostly stock funds, I agree. CDs are good for some things, but fixed income is not very strong for trying to stretch out money and not have i...
by ResearchMed
Sat Feb 28, 2015 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1671

Re: Is a generator worth it?

Don't go natural gas. Any disaster (earthquake, hurricane, floor, etc.) could shut down natural gas. Go with propane or gasoline. You can get a 300-500lb propane tank for under $700 and bury half of it to keep it out of sight. When I requested a permit to do just that, the town clerk said "you...
by ResearchMed
Sat Feb 28, 2015 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5264

Re: Wife doesn't want to retire - I do

Is it possible for her to work longer hours weekly but have more time off (say 2 months a year)? Use that to do longer vacations or whatever you both enjoy.... sort of easing her into retirement. How about her still working but cutting back on hours? Is there any chance you could do something part ...
by ResearchMed
Sat Feb 28, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 64
Views: 5378

Re: Self-directed 401(k) Option

Not all Brokerage Options (the "self direction" part of the 403b in our case) have fees. At Vanguard, there is no extra fee unless one purchases a mutual fund from a mutual fund family where Vanguard charges a transaction fee. Most funds seem to be NTF (No Transaction Fee). At Fidelity, th...
by ResearchMed
Sat Feb 28, 2015 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Self-directed 401(k) Option
Replies: 9
Views: 580

Re: Long-term gain (or loss) held less than a year?

There seems to be (or at least in the past) something odd about the "start" [buy] date for a few things in our accounts. These are all in tax-deferred accounts, so it doesn't "matter", but it's been puzzling - and annoying. First, to keep in mind, EVERYTHING held at Vanguard was ...
by ResearchMed
Sat Feb 28, 2015 7:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Long-term gain (or loss) held less than a year?
Replies: 17
Views: 870

Re: Car Accident in Front Yard

In the time it took to take the pictures and post here---couldn't you just pick up the plastic pieces? It doesn't seem like a big deal. More concerning, is a drunk driver can just come barreling thru your front yard. Yes I could. But as I said, I'm too lazy to clean up another person's mess. Now, y...
by ResearchMed
Fri Feb 27, 2015 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 30
Views: 2286

Re: Car Accident in Front Yard

File a claim with the car drivers insurance company. They will get rid of the ruts, too. If this is a classic DUI, one-car accident, with no question about driver's liability (yes, yes, there can always be a question if it gets to court, etc., but assuming not), then this is what the insurance is f...
by ResearchMed
Fri Feb 27, 2015 10:06 am
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 30
Views: 2286

Re: Cost of medication - Costco versus Walgreens

Pharmacies are accustomed to transferring prescriptions directly to other pharmacies. (If you gave them a paper Rx, then you can request it back. I don't know how it works for a faxed Rx. Can one request a printout? Obviously it isn't for a med that requires an original signature from the prescribin...
by ResearchMed
Fri Feb 27, 2015 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of medication - Costco versus Walgreens
Replies: 13
Views: 1012

Re: Credit Card Refund Not Posted

I made a purchase online on a saturday (actually earlier this month). Called to cancel order on monday. Phone rep said it would take 2-3 days for refund to show up. 7 business days later, still not showing up, initiated dispute with CC company (chase). Got a call from chase the same day. Problem so...
by ResearchMed
Thu Feb 26, 2015 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Credit Card Refund Not Posted
Replies: 14
Views: 803

Re: Vanguard change of address - word of warning!

My Vanguard account shows my mailing address (PO Box) and my street address. Are you saying that if I change the street address they have on file, they will somehow still be using the old one? I'm not sure I follow... With some companies, it's customary to send a change of address "confirmatio...
by ResearchMed
Thu Feb 26, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard change of address - word of warning!
Replies: 7
Views: 1303

Re: choosing a real estate agent

You don't owe the previous broker anything at all. That person already got a nice commission. Find the best person for your needs, now. Selling isn't necessarily the same as buying, in terms of what agent you might want. As for season, the spring/summer rush starts well before that, and then continu...
by ResearchMed
Thu Feb 26, 2015 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: choosing a real estate agent
Replies: 2
Views: 289

Re: Is a generator worth it?

We finally got one, after not having one for the first few years we had this home, when the street lost power regularly. That seems fixed. However... Sandy gave us religion. Given where we live, if we lost power for a while in the cold winter, our pipes would/could freeze. In a summer or other warm ...
by ResearchMed
Thu Feb 26, 2015 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5264

Re: IRS Called and Asked for Personal Information

On the few occasions where someone calls from some company/vendor/whatever and wants information, we'll refuse to give any, and ask for the name and extension number to call back, and also the location. We then go to another source for a general phone number (such as a statement/bill, or even online...
by ResearchMed
Thu Feb 26, 2015 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Called and Asked for Personal Information
Replies: 16
Views: 1648

Re: Credit Card Refund Not Posted

It can sometimes take one or two entire billing cycles for a credit to show up. I remember when merchants and credit card companies used to claim this, but I think this was only "true" when people routinely only ever saw charges when they got their monthly statements by snail mail. Now th...
by ResearchMed
Thu Feb 26, 2015 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Credit Card Refund Not Posted
Replies: 14
Views: 803

Re: Credit Card Refund Not Posted

It can sometimes take one or two entire billing cycles for a credit to show up. Uh, what? Any time I have done a return/refund from a vendor the credit appears in the same timeframe as regular charges do. I wouldn't say same time frame. Purchases show up as pending immediately, and refunds take 2-3...
by ResearchMed
Thu Feb 26, 2015 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Credit Card Refund Not Posted
Replies: 14
Views: 803

Re: Credit Card Refund Not Posted

I made two purchases at a grocery store yesterday using my credit card and they are showing up in my account as pending. I also did a return at the same grocery store in between those two purchases and the refunded amount to my credit card is not showing up in my account online and also via the 1-8...
by ResearchMed
Thu Feb 26, 2015 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Credit Card Refund Not Posted
Replies: 14
Views: 803

Re: Is it actually impossible to time market crashes?

I think another part might just be the timing itself? Like even though a lot of people saw the housing bubble as a problem, nobody knew exactly when it was going to pop. In a similar way I see the student loan market this way. There are some big differences (education is not the same kind of asset ...
by ResearchMed
Wed Feb 25, 2015 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 3010

The SCOTUS TRANSCRIPT from yesterday's hearing

And here is a link to the transcript of the SCOTUS hearing yesterday:

http://www.supremecourt.gov/oral_argume ... 0_8njq.pdf

RM
by ResearchMed
Wed Feb 25, 2015 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 39
Views: 5666

Re: Is it actually impossible to time market crashes?

I understand that market timing is effectively impossible in terms of trying to predict lows / highs to make quick short-term gains. However, does this also apply to systemic risks? Things that would affect the entire economy / stock market to the point where it's not so much trying to predict the ...
by ResearchMed
Wed Feb 25, 2015 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 3010

Re: Is there a way to provide for inflation ?

How do you impose an inflation index on deferred annuities? Wasn't one of the points in the discussion about those that even if the deferred annuity is inflation indexed, the indexing would only apply after the annuity is realized and not in the time intervening. I may have misread those conversati...
by ResearchMed
Wed Feb 25, 2015 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1671

Re: Money lent and unable to recover

I can't get them to respond to email so Notarization is out of question. I use turbo tax and will have to look for IRS form 8949. Thanks for your suggestions. :happy this kinda helps. One more Q - Can I claim interest(that I was expected to receive) as bad debt and if so, can I claim for the initia...
by ResearchMed
Tue Feb 24, 2015 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money lent and unable to recover
Replies: 10
Views: 1693

Re: What are Costco's best deals?

The fresh berries and gasoliine tend to be the best prices I can get in our state, especially if I use their business AmEx to get extra 4% rebate. Also buy tires and sometimes car and regular electronics batteries. Love buying electronics with them for their no hassle returns. Their granola bars an...
by ResearchMed
Tue Feb 24, 2015 8:55 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 176
Views: 12928

The Tibble briefs at SCOTUS

Thanks very much for those links, LadyGeek! Here is a link for the Merit Briefs and the Amicus Briefs for the Tibble Case at SCOTUS, argued today. http://www.americanbar.org/publications/preview_home/13-550.html My understanding is that audio recordings will be available on Friday, but there are not...
by ResearchMed
Tue Feb 24, 2015 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 39
Views: 5666

Re: Employer 403b change - Vanguard to TIAA-CREF

I just got the news today. My first reaction was pretty negative, but I have only really worked with Vanguard. I know I will be paying higher fees, but other than that can someone chime in if they were forced to move in the same way? It sounds like they are still a good company, but it still makes ...
by ResearchMed
Tue Feb 24, 2015 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer 403b change - Vanguard to TIAA-CREF
Replies: 4
Views: 333

Re: TIAA-CREF Stock Account 403(b)

This 403(b) represents 8% of total portfolio. At this point, a little heavy in equities, so this TREA is a great option. Just make sure you are clear about the withdrawal restrictions (once per quarter only). It's different from the other T-C/CREF funds. We have quite a bit in TREA, but watch it li...
by ResearchMed
Tue Feb 24, 2015 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Stock Account 403(b)
Replies: 8
Views: 511
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