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Re: US Trusted traveler programs

According to the online comparison chart, Nexus also includes the TSA pre check for US citizens. Yet, it's $50/5 years whereas the TSA pre check is $85/5 years. Wouldn't the smartest choice be to enroll in Nexus? What am I missing? If someone will be traveling overseas and/or arriving on internatio...
by ResearchMed
Mon Sep 01, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: US Trusted traveler programs
Replies: 12
Views: 762

Re: US Trusted traveler programs

For domestic travel suggest the TSA Pre-Check known traveler number program. The Global Entry good for re entry to US in avoiding long passport/customs lines. I have been advised that my Global Entry number also works for TSA pre check but did not work in last domestic flight so prefer the TSA know...
by ResearchMed
Sun Aug 31, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: US Trusted traveler programs
Replies: 12
Views: 762

Re: Help me evaluate a standby generator quote

Is it natural, forgive the pun, to go with natural gas if available vs propose or diesel? Also, why would one not choose NG? We use NG because we've already got it in the house, and where it enters the house wasn't too far from the electrical panel where we'd have the generator (on the outside of t...
by ResearchMed
Sun Aug 31, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 28
Views: 1428

Re: Do you have class?

Seriously? CC companies hate customers like you. As others have mentioned, they want customers who carry balances and rack up massive interest. They love those customers. Except for the regular Amex cards, because they don't have revolving credit. One pays in full each month; or, one is supposed to...
by ResearchMed
Sun Aug 31, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have class?
Replies: 15
Views: 1505

Re: Do you have class?

I hold 9 major credits which are on a revolving balance, haven't paid a cent of interest for around 10 years, perhaps longer. I sometimes feel the credit card companies just don't know how to deal with clients like me. I feel I have no class, no peers, and definitely am not treated with any special...
by ResearchMed
Sun Aug 31, 2014 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have class?
Replies: 15
Views: 1505

Re: Ideas for thanking a doctor

Yes, it would be nuts to give candy to health professionals :oops: :D How about an assortment of nuts? For sanitary reason, it should have each serving individually wrapped or something to that effect. :D That's a REALLY good idea, especially in a location where there are more likely to be sick peo...
by ResearchMed
Sat Aug 30, 2014 11:44 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 56
Views: 2447

Re: My husband's " WILL", $ left for me to live on....

Ineedadvice50, Do you, by any chance, share your email address with your husband? If so, whenever someone sends you a private message, another message is sent to your (and your husband's) email address. That is a likely way he would know about this topic. (See the upper left corner to see if you ha...
by ResearchMed
Sat Aug 30, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16660

Re: How do you compute RMDS for late retiree?

Please let me know which life expectancy table I use if I retire at 75? Most of the tables I have seen start at 70 and a half. If everything goes according to plan, I will retire at 75. Most of my pre-tax money is in my company's 401K so I don't have to take RMDS. I can't make head or tail of the I...
by ResearchMed
Sat Aug 30, 2014 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you compute RMDS for late retiree?
Replies: 10
Views: 687

Re: Help me evaluate a standby generator quote

We finally had a Generac installed about a year ago now, after thinking and thinking about it. Sandy really caught our attention, of course. What tilted the scale for us was that we depend upon a sump pump to keep the finished garden level from flooding. (And the insurance, even with flood insurance...
by ResearchMed
Sat Aug 30, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 28
Views: 1428

Re: Ideas for thanking a doctor

Yes, it would be nuts to give candy to health professionals :oops: :D How about an assortment of nuts? For sanitary reason, it should have each serving individually wrapped or something to that effect. :D That's a REALLY good idea, especially in a location where there are more likely to be sick peo...
by ResearchMed
Sat Aug 30, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 56
Views: 2447

Re: Ideas for thanking a doctor

Is the doctor in a larger practice or a hospital system where there are "patient ratings" (increasingly common, I think)? You could ask, and if so, ask if he/his office can send you a link, or otherwise help you to find that, so you can post your good experience, give the number ratings, ...
by ResearchMed
Sat Aug 30, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 56
Views: 2447

Re: My husband's " WILL", $ left for me to live on....

I was worried that so much personally identifiable information was provided, in case OP's husband became aware of this. (One could consider using hypothetical ages, numbers/ages of children, length of marriage, etc.) However, it does seem extremely likely that OP's husband did indeed find this on hi...
by ResearchMed
Sat Aug 30, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16660

Re: Ideas for thanking a doctor

Is the doctor in a larger practice or a hospital system where there are "patient ratings" (increasingly common, I think)? You could ask, and if so, ask if he/his office can send you a link, or otherwise help you to find that, so you can post your good experience, give the number ratings, a...
by ResearchMed
Sat Aug 30, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 56
Views: 2447

Re: Help out family without compromising my own retirement?

Thanks everyone for posting replies and expressing support. I don't discuss these issues with other people, so just letting it out here helps. As some suggested, I think I will send a check just enough to help with groceries (I have moved to another town and can't actually bring food to them physic...
by ResearchMed
Fri Aug 29, 2014 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 52
Views: 3219

Re: Should elderly play it safe & risk not having enough or

Right. Though with an annuity, as no one knows which parent will live longer, I suppose you end buying half the annuity in each parents' name. Though even that's risky. I'm pretty sure that when one spouse dies your costs don't drop by 50%. There are annuities that could provide something like 2/3 ...
by ResearchMed
Fri Aug 29, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should elderly play it safe & risk not having enough or no?
Replies: 13
Views: 1451

Re: Probability question

The only reason that the previous two years' "1/12" probability event MIGHT affect the third year is IF there is evidence, once you decide to look into it, etc., that the "1/12" probability wasn't accurate in the first place, or for some reason does in fact change. If he's using ...
by ResearchMed
Fri Aug 29, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Probability question
Replies: 14
Views: 1106

Re: Help out family without compromising my own retirement?

Also, if their circumstances are truly dire, there are public assistance programs available that they might qualify for, depending upon the reasons. "Squandering" wouldn't be one of them, obviously. But if they can't work due to disabilities or something, that would be different. Have you ...
by ResearchMed
Fri Aug 29, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 52
Views: 3219

Re: Help out family without compromising my own retirement?

Hi, I am single with a steady job, save diligently for my own retirement, and live below my means. Unfortunately, my parents and siblings are in poor financial shape. My parents did not prepare for the retirement and my siblings have no steady jobs. They are currently living rent free in my condo w...
by ResearchMed
Fri Aug 29, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 52
Views: 3219

Re: Do Bogleheads worry about institutional risk?

Concur. My only concern is a catastrophic database failure of an extended duration at Vanguard, for this reason I save a soft copy all our statements on external drives and a hard copy in our investment binder, just in case this black swan. Thanks for reading. Our concern is more along these lines,...
by ResearchMed
Thu Aug 28, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 33
Views: 1625

Re: Donald Trump - The Apprentice

Where is the box for "we watched it a bit at first, but no longer"? :wink: As with most TV <junk>, even those that have some interesting and/or novel approach initially... it rapidly deteriorated into forced extra "touches" to [we guess] keep it from getting stale. That seems to ...
by ResearchMed
Thu Aug 28, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1612

Re: Purchasing a bathtub

Wife can't decide between the options: Depth: Soaking or standard material: acrylic or cast iron Type: rectangle or oval faucets: wall mount or roman 5 ft or 6 ft Any and all personal experience/ advice welcomed Thanks for the help JB Is space (length or width) a concern? To get "longer",...
by ResearchMed
Thu Aug 28, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Purchasing a bathtub
Replies: 8
Views: 518

Cell phone plan on cruise - direct experience?

We are leaving on a cruise soon to Bermuda, and on CruiseCritic.com, we keep hearing all sorts of conflicting information about the least expensive way (if there is one) to make or receive cell calls on the ship. This is on Norwegian Cruise Line, in case that matters, which it might. DH seems to hav...
by ResearchMed
Wed Aug 27, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone plan on cruise - direct experience?
Replies: 5
Views: 429

Re: .com rather than .gov, lesson learned

I'm embarrassed. While working "in a zone" i was applying for and EIN # . With lack of mindfulness i did a quick google search and got sucked into a for-fee .com application site, thinking i was on .gov I was awakened from my stupor when it asked for my credit card, at which time i abando...
by ResearchMed
Wed Aug 27, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: .com rather than .gov, lesson learned
Replies: 18
Views: 2446

Re: Family loan implications

My parents loaned about $66,000 to my brother for a business startup. The loan interest rate was around 3% to be paid back over 10 years. He was paying around $630 per month. After 16 months (and about $10,080 of principal/interest) the business didn't work out and my brother has stopped making the...
by ResearchMed
Wed Aug 27, 2014 1:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Family loan implications
Replies: 12
Views: 613

Re: Husband rear-ended, driver ignoring his insurance

Something is wrong with what you've been told, and most of the above comments reflect that. Additionally, you should be able to get the car repaired right away and probably get a rental car courtesy of the insurer. Even if you don't have that coverage, if someone else is at fault, HIS insurance pick...
by ResearchMed
Tue Aug 26, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 43
Views: 4575

Re: Zegna Suits

I've reached my networth that I am at not by making such purchases but by saving and living lower middle class lifestyle... This is hilarious. The real lower middle class pays $4500 for a car not a suit, but I doubt you're buying a suit worth more than your car. If the OP wanted a real response he ...
by ResearchMed
Mon Aug 25, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8852

Re: Schwab Financial Consultant

He might mean something like the Vanguard "concierge", who can help direct calls to the right department, or help facilitate transfers from other financial firms?

RM
by ResearchMed
Mon Aug 25, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Financial Consultant
Replies: 10
Views: 918

Re: Zegna Suits

I'm not quite sure why so many here seem to think so many decisions are driven by what "others" would think. Well, by definition if one is asking for feedback on a forum - they must care what others think. Otherwise - they wouldn't ask what others think in their question. There are so man...
by ResearchMed
Mon Aug 25, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8852

Re: Zegna Suits

If someone is going to judge me - positively or negatively - based on whether I am wearing a $4.5k suit - not really interested in their opinion to begin with. 99% of the population won't be able to tell the difference between a $4.5k suit and a $1k suit (let alone a $500 suit). If they can tell th...
by ResearchMed
Mon Aug 25, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8852

Re: Zegna Suits

If someone is going to judge me - positively or negatively - based on whether I am wearing a $4.5k suit - not really interested in their opinion to begin with. 99% of the population won't be able to tell the difference between a $4.5k suit and a $1k suit (let alone a $500 suit). If they can tell th...
by ResearchMed
Mon Aug 25, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8852

Re: Agreement Regarding Vacation Property

A partnership exit strategy my wife employed, and executed. Party A wishing to exit offers $X to buy out party B. Party B has the option to either accept or buy out party A at price $X. Party A proposed this, and so should be ready to execute immediately, but party B should have should have suffici...
by ResearchMed
Mon Aug 25, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Agreement Regarding Vacation Property
Replies: 21
Views: 1522

Re: Zegna Suits

Hi all, I am shopping for outfit for my upcoming wedding. I like ZEGNA line, their suits are very comfortable and made in Italy from good Egyptian or Australian fabrics, The outfit from Zegna would run me about $4500, is this too pricy? I tried on Armani, Boss, Canelli, but these definitely do not ...
by ResearchMed
Mon Aug 25, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8852

Re: Builder Mortgage Company "Colluding" with another lender

Should I be as concerned about this..? I am building a home with Pulte Homes, they obviously want me to use their mortgage group Pulte Mortgage for the financing. Chase bank recently called me and made me a offer for finance and an extended rate lock. I emailed Pulte mortgage with that offer and as...
by ResearchMed
Mon Aug 25, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Builder Mortgage Company "Colluding" with another lender?
Replies: 2
Views: 393

Re: Agreement Regarding Vacation Property

I was trying to take the potentially increased value out of the discussion in order to focus on other aspects. What we actually intend to do is adjust the Fair Market Value of the property in the LLC annually by mutual agreement. If or some reason we couldn't agree on an adjustment in a given year,...
by ResearchMed
Mon Aug 25, 2014 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Agreement Regarding Vacation Property
Replies: 21
Views: 1522

Re: Zegna Suits

Over the past several years, DH has purchased a few "nicer" suits. That means, yes, more expensive. (He's had the luxury of no time pressure, so we just haunt the major sales, and usually find nothing, but every now and then, a winner.) They are also MUCH nicer, in terms of fabric/cut/tail...
by ResearchMed
Sun Aug 24, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8852

Re: I need "Ultra High Net Worth" investing advice please

It sounds like you are down to US Trust and Vanguard. Why not try them both for a while and see who is better in terms of knowledge, service, and quality of advice? You could compare the fees also. If US Trust cost more than Vanguard, make the judgment whether or not the extra fees are worth what y...
by ResearchMed
Sun Aug 24, 2014 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15319

Re: I need "Ultra High Net Worth" investing advice please

Are you referring to a permanent "change of scenery" (moving) or temporary ones, so that several vacations (now, and each year in the future) will fit the bill? Unless you are considering moving to an ultra high cost of living area (Manhattan, SF, London come immediately to mind, but ther...
by ResearchMed
Sun Aug 24, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15319

Re: I need "Ultra High Net Worth" investing advice please

Here's a curveball for everyone... The $50m Question. We're located in an income tax state, our kids are extremely young. If we plan to live off this wealth and make it last for generations, does it make sense to move to a No Income Tax state? Where we're at now the cost of living is pretty low to ...
by ResearchMed
Sun Aug 24, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15319

Re: I need "Ultra High Net Worth" investing advice please

Here's a curveball for everyone... The $50m Question. We're located in an income tax state, our kids are extremely young. If we plan to live off this wealth and make it last for generations, does it make sense to move to a No Income Tax state? Where we're at now the cost of living is pretty low to ...
by ResearchMed
Sun Aug 24, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15319

Re: Zegna Suits

I've reached my networth that I am at not by making such purchases but by saving and living lower middle class lifestyle, however wedding is a special occasion, treating myself to this is OK, however only if it is worth it, am I getting what I am paying for? or is this clothing line overpriced... I...
by ResearchMed
Sun Aug 24, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8852

Re: I need "Ultra High Net Worth" investing advice please

.....Any real estate will be additional homes in areas we like to travel. About the travel... How much have you traveled thus far, in life (as a child, but especially as an adult)? If building your business was an intense and somewhat long endeavor, then you may not even have given this too much th...
by ResearchMed
Sun Aug 24, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15319

Re: Tracking Down Pension Info.

I don't know how much time you want to put into this wild goose chase. In addition to the potential for 10 year cliff vesting as mentioned by previous posters, have you thought about the size of the potential benefit? A traditional pension was designed to reward long term employees. So a typical pe...
by ResearchMed
Fri Aug 22, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Down Pension Info.
Replies: 31
Views: 2306

Re: Tracking Down Pension Info.

ubermax, This should be very helpful to OP. The only reason I mentioned my Fidelity experience was because OP seemed to have hit a dead end. And I know that it NEVER would have occurred to me that the money was sitting at some retail-type financial firm, vs some state agency or even some specialized...
by ResearchMed
Fri Aug 22, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Down Pension Info.
Replies: 31
Views: 2306

Re: Quote from a mover: Please comment

Are you planning to pack everything other than furniture? What about fragile items such as china and glassware? If you are packing these, make sure that their insurance (or yours) will cover any breakage. Sometimes the mover must pack these in order to cover breakage (presumably because the owner mi...
by ResearchMed
Fri Aug 22, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 3752

Re: Tracking Down Pension Info.

I had a "missing pension" (as mentioned above), and never heard a thing from SS about it. There was a 5 year vesting period, so there were at least 5 annual tax reporting times when it should have been reported to SS if that is required. Now, that might be because I had to take the pensio...
by ResearchMed
Fri Aug 22, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Down Pension Info.
Replies: 31
Views: 2306

Re: Tracking Down Pension Info.

I don't know what Fidelity has to do with the OP's situation ? and did I miss the answer to the question : why not call Chase Chemical ??????? seems like a pretty obvious thing to do but maybe I'm missing something ???? What Fidelity "has to do" with this, as I explained above, is that is...
by ResearchMed
Fri Aug 22, 2014 7:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Down Pension Info.
Replies: 31
Views: 2306

Re: Tipping tradespeople

We keep nice cold Gatorade, bottled iced tea or lemonade, or just ice cold water, for any workpeople, especially when the weather is hot (or if they look tired, hot, stressed), and hand it out, insist that they ask if they want more (we assume, however, that they won't ask, so we keep offering for w...
by ResearchMed
Fri Aug 22, 2014 7:38 am
 
Forum: Personal Consumer Issues
Topic: Tipping tradespeople [rain gutter installers]
Replies: 27
Views: 2334

Re: Global entry and Nexus (not the phone)

I have my global entry interview next week. I got a letter telling me to bring a copy of the letter, passport and drivers license to the interview. Is there anything else I need to bring to the interview?Thanks I was almost on the road when I realized I did not have the letter, went back home and p...
by ResearchMed
Thu Aug 21, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Global entry and Nexus (not the phone)
Replies: 16
Views: 1003

Re: I failed SS login

We also both had to go to the SS office in able to set up an online account. Somehow, SS had us both (!?) categorized as non-citizens, so we had to bring proper birth certificates as well as photo ID's. For some reason, the US passport that we provided as the photo ID would not suffice as proof of c...
by ResearchMed
Thu Aug 21, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 18
Views: 1764

Re: Implementing Two-Factor Authentication for Fidelity Acco

Actually, Vanguard does offer a form of two factor authorization, by allowing the investor to restrict access to accounts only from a specified computer. The downside, of course, would be that one could not access accounts when that device is not readily available but the capacity to prevent others...
by ResearchMed
Thu Aug 21, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11290
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