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Re: Pets and extended travel

My wife and I dream of an early retirement with extended travel, realistically 15 years or so away. I am talking about travelling internationally for 3-4 months per year, maybe more, with trips lasting a month or more. However, we are dog people and have difficulty seeing our lives without a four-l...
by ResearchMed
Wed Oct 29, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Pets and extended travel
Replies: 4
Views: 470

Re: Elderly parent on path to run out of money in 6 months

My father has always been terrible with money. Unfortunately, at age 75 he is on a path to run out of savings and will only have some SS and alimony to live off of. He has made many poor decisions and his choices have inspired the opposite behavior in me. For anybody with experience with this with ...
by ResearchMed
Wed Oct 29, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Elderly parent on path to run out of money in 6 months
Replies: 13
Views: 2743

Re: Finance kids' medical educations with a HELOC?

My son will be starting medical school in 2015, and my daughter will be starting graduate nursing school in 2017. I paid for their undergraduate education, but I don't have the resources to pay outright for their medical educations. Normal education loans will leave them saddled with a great deal o...
by ResearchMed
Wed Oct 29, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Finance kids' medical educations with a HELOC?
Replies: 23
Views: 1454

Re: Mold, mold, mold!!! In Massachusetts..

Is this a legal apartment, in an area zoned for two-family homes? (Given the age of the house, it's possible that the answer to the above is "no", but the house is grandfathered in.) Either way, you might want to check with either or both of the health department and the building departme...
by ResearchMed
Wed Oct 29, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: Mold, mold, mold!!! In Massachusetts..
Replies: 11
Views: 1186

Re: Mold, mold, mold!!! In Massachusetts..

Is this a legal apartment, in an area zoned for two-family homes? (Given the age of the house, it's possible that the answer to the above is "no", but the house is grandfathered in.) Either way, you might want to check with either or both of the health department and the building departmen...
by ResearchMed
Tue Oct 28, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Mold, mold, mold!!! In Massachusetts..
Replies: 11
Views: 1186

Re: shortest mortgage available

Is there a specific reason the mortgage term must be "the shortest available" (age of person applying? something else?)? Otherwise, would it work to get the "shortest term easily available", and just pay more each month, being careful to specify extra goes to pay off principal? G...
by ResearchMed
Tue Oct 28, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: shortest mortgage available
Replies: 14
Views: 1391

Re: Private Tour Guides (Caribbean Islands, December)

I go to the Caribbean about twice a year and have been to Curacao the most on your list, about four times. I think what you want basically is a taxi rental for the whole day. It would be a flat rate thing, not the meter running for six hours straight. Thanks. Yes, that is definitely a "default...
by ResearchMed
Tue Oct 28, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Private Tour Guides (Caribbean Islands, December)
Replies: 4
Views: 231

Private Tour Guides (Caribbean Islands, December)

Please, no comments about whether this is a "traditional BH-type vacation". We can afford it, and we have postponed this long enough already, and had some serious health scares. Enough on that. We are taking a very special cruise to several Caribbean islands, and would very much appreciat...
by ResearchMed
Tue Oct 28, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Private Tour Guides (Caribbean Islands, December)
Replies: 4
Views: 231

Travel related

For anything travel related, the community at http://www.flyertalk.com is the best resource. High quality info, respectful community, etc. Flyertalk.com is great, yes. And TripAdvisor.com (also mentioned above) is also very good. There is also CruiseCritic.com - which obviously is about cruising. B...
by ResearchMed
Sun Oct 26, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6434

Re: Home Sale Disclosure Advice

When I sold my house in California, the real estate attorney guided me through the stack of disclosure forms. I remember them as being a foot high, but my memory may be exaggerating. Including stuff like is there wildlife in your neighborhood? Yes, birds, squirrels, who knows what all. On the other...
by ResearchMed
Sun Oct 26, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Sale Disclosure Advice
Replies: 7
Views: 925

Re: Filing Small Claims

Small claims court probably isn't the right place for this, unless they owed *you* the money. Have you WRITTEN a real paper letter demanding documentation of what they claim you owe? If not, I'd send that to both the company HQ and the collection company, certified mail, signature required, return r...
by ResearchMed
Sat Oct 25, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: File in Small Claims Court [against a cable TV provider]?
Replies: 8
Views: 808

Re: Question on Selling After Tax Funds

I can see I need to be very careful on my use of words. I meant that the funds (being sold & bought) are held in a mutual fund that is not tax deferred or tax free. I think you mean that your "funds" are held in an ACCOUNT that is not tax-deferred or tax free. And the easiest way to d...
by ResearchMed
Sat Oct 25, 2014 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Question on Selling After Tax Funds
Replies: 15
Views: 548

Re: Question on Selling After Tax Funds

Yes it can be confusing. In my example, I am only referring to an After-Tax Fund...period. If I sell Fund A and buy Fund B, my understanding of the answers are that the tax consequence is on the short or long term gain of the sale and NOT the full amount that was sold or subsequently bought. That i...
by ResearchMed
Sat Oct 25, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Question on Selling After Tax Funds
Replies: 15
Views: 548

Re: Question on transferring After Tax Funds

I think you are mis-using the term "transfer", when you mean "sell A and then buy B". "Transferring" would be to have Fund A moved from Brokerage Firm X (maybe Fidelity, for example) to Brokerage Firm Y (say, Vanguard or Schwab). So the answer, IF I understand your ques...
by ResearchMed
Sat Oct 25, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Question on Selling After Tax Funds
Replies: 15
Views: 548

Re: Reserve Primary Fund, Final Distribution

This is why we are moving some IRA money from Vanguard to Schwab, so we can have the cash in a BANK account, FDIC insured.

We might move some EmployEE-contributed 403b accounts, getting them to a Schwab IRA.

At least then, what we "think of as cash" will actually BE cash.

RM
by ResearchMed
Fri Oct 24, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Reserve Primary Fund, Final Distribution
Replies: 9
Views: 726

Re: Strategies of Cash offer on house

We made our offer contingent upon a home inspection, to be completed within 5 business days. But no financing contingency. That's not something we'd fool around with, especially for an older home. There were still "things" that needed to be fixed repaired, but we expected that. We just nee...
by ResearchMed
Fri Oct 24, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategies of Cash offer on house
Replies: 5
Views: 710

Cash vs "no financing contingency"

We purchased our current home on with a "no financing contingency", rather than "cash". We'd been looking for four (yes, 4) years, and DH was like Goldilocks, too hot, too cold, too big, too small, too far, too near.... I was giving up. But every few months, I updated the "p...
by ResearchMed
Fri Oct 24, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategies of Cash offer on house
Replies: 5
Views: 710

Re: Electronic lock experiences

I have a different model Schlage BE365 V CAM 505 Camelot Keypad Deadbolt that is on the original 9v battery. I must have installed it 5-6 years ago so the battery life is great, it gets used several times a day. Mine is different in that the lock does not electrically retract the dead bolt, it just...
by ResearchMed
Fri Oct 24, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Electronic lock experiences
Replies: 12
Views: 1164

Re: Electronic lock experiences

We have several of these on vacation rentals, "the exact same but different" - meaning ours also has a deadbolt component. GREAT DEVICES! They have worked without failure (AMAZING!) for about 7 years now. This is in an area with heavy snow and very cold temps in the winter, and it can get ...
by ResearchMed
Fri Oct 24, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Electronic lock experiences
Replies: 12
Views: 1164

Re: 401a 's: TIAA-CREF vs Vanguard vs Fidelity

We have a similar 401a at the Fire district I work for. I make my contributions to a 457b plan (instead of a 401k) schools and hospitals usually use 403b for employee contributions. Public. Employers have different rules on retirement matching. The 401a is employer contributions only. I don't know ...
by ResearchMed
Thu Oct 23, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401a 's: TIAA-CREF vs Vanguard vs Fidelity
Replies: 10
Views: 815

Re: 401a 's: TIAA-CREF vs Vanguard vs Fidelity

Thanks again everyone. I spent a good while on the phone with each vendor yesterday. Interestingly enough, the Vanguard rep couldn't give me ANY information on funds offered, fees, expense ratios, etc. unless I gave them my information and opened a "shell" account with them. I thought tha...
by ResearchMed
Thu Oct 23, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401a 's: TIAA-CREF vs Vanguard vs Fidelity
Replies: 10
Views: 815

Re: TSA [is it a hassle to opt out of scanning?]

For a while, after a serious foot injury, I had a "boot", and I was requesting wheelchair assistance, as standing/walking even short distances/times was initially very painful. Fortunately, DH was able to go through the detectors (metal or otherwise) and then collect assorted carry-on item...
by ResearchMed
Thu Oct 23, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2208

Re: Question about Excluding the Gain from Sale of Home

Thanks! If I understand correctly, we're golden: The amount we're selling it for is less than $250K more than the purchase price. If I understand correctly, the two adjustments you mentioned would just make the calculation go even further in our favor. You mention "we". If the "we&qu...
by ResearchMed
Wed Oct 22, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about Excluding the Gain from Sale of Home
Replies: 5
Views: 329

Re: US Chip & Signature --> Chip & PIN 2020

I'm not an expert in it, but reading up on Wikipedia about the difference between chip and pin vs chip and signature, it seems like both protect against mass disclosure of credit card credentials. It seems like requiring the PIN mostly helps prevent use of the card in offline situations after it's ...
by ResearchMed
Wed Oct 22, 2014 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1317

Re: What are your LONG-term plans?

Are you clear about what your goals are, in terms of what you do for a living, and where you will live and raise children? Just a few months ago, you were writing about how you were considering home schooling your children on a very low cost of living tropical island where you grew up. Another time...
by ResearchMed
Wed Oct 22, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Smart people, please help us (agriculture exemption)
Replies: 19
Views: 899

What are your LONG-term plans?

Are you clear about what your goals are, in terms of what you do for a living, and where you will live and raise children? Just a few months ago, you were writing about how you were considering home schooling your children on a very low cost of living tropical island where you grew up. Another time,...
by ResearchMed
Wed Oct 22, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Smart people, please help us (agriculture exemption)
Replies: 19
Views: 899

Re: 401a 's: TIAA-CREF vs Vanguard vs Fidelity

In very general terms, I would personally prefer Vanguard because they have by far the largest menu of low-expense funds available anywhere, which includes a good REIT Index Fund. Fidelity has only about a dozen low-expense funds, their Spartan funds. TIAA-CREF also has fewer choices coupled with h...
by ResearchMed
Wed Oct 22, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401a 's: TIAA-CREF vs Vanguard vs Fidelity
Replies: 10
Views: 815

Re: Bauer-Ramazani v. TIAA-CREF settled

Having the accounts at TIAA-CREF still active wouldn't help. I still have the account I got a check in reference to, and it still came to me. I talked to my CPA about the tax status and her assessment was that this would count as an early distribution (i.e., taxed at ordinary income rates plus with...
by ResearchMed
Tue Oct 21, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bauer-Ramazani v. TIAA-CREF settled
Replies: 24
Views: 2082

Re: "You're invited to...." (nonsense talk and dinner)

I'd guess a "sales dinner" to prospective clients is rather different than one for existing relatively high value clients. It was more like some sort of upscale function dinner, with some general and brief information, and some nice glossy brochures to take home. But among other things, we...
by ResearchMed
Tue Oct 21, 2014 3:22 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 68
Views: 4179

Re: "You're invited to...." (nonsense talk and dinner)

I went to two of these, but it was for current clients of a specific trio of "advisors" at MegaBroker. One was at a restaurant that I had REALLY wanted to go to for decades, but never got around to (out in the 'burbs, and I kept forgetting about it). DH didn't want to go, so I asked if I c...
by ResearchMed
Tue Oct 21, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 68
Views: 4179

Re: Multiple Fake "Thank you for your order"?

Memory eating parasites? Maybe that's my problem, why this disturbed me. That must be it! :twisted: RM Hope not. It's the subject line for one of the common message types - ones that are trying to sell Alzheimer's cures. Perhaps the most disgusting type of spam I've seen. Sorry. I didn't realize th...
by ResearchMed
Tue Oct 21, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2306

Re: Multiple Fake "Thank you for your order"?

P.S. Social engineering works. Sure, I have learned to ignore "SEEKING YOUR IMMEDIATE ASSISTANCE" and other familiar phishing. In fact, it occurs to me that another good reason to avoid big banks is that it is easier to ignore emails about my Bank of America account if I don't have a Bank...
by ResearchMed
Tue Oct 21, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2306

Re: Multiple Fake "Thank you for your order"?

Now I suddenly receive similar spam in several fairly independent email accounts at the same time. What's your theory on how this could happen? I'm not Greg, but I hope you don't mind if I respond. I like that you qualify "independent" with "fairly", but it still seems that you'...
by ResearchMed
Tue Oct 21, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2306

Re: coincidence?

davebarnes wrote:As of yesterday, I had received zero of these.
This morning; 30 in my Inbox.
I blame this thread.


I guess my little plot worked!!

RM
by ResearchMed
Tue Oct 21, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2306

Re: Multiple Fake "Thank you for your order"?

I've just received a series of what are obviously fake "order confirmation" emails, each from a different weird return email address, with the "Subject" header being only my email address that was used in the "To" header. These are supposedly for mid 4-figure charges. ...
by ResearchMed
Mon Oct 20, 2014 11:53 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2306

Re: Multiple Fake "Thank you for your order"?

Now I suddenly receive similar spam in several fairly independent email accounts at the same time. What's your theory on how this could happen? I'm not Greg, but I hope you don't mind if I respond. I like that you qualify "independent" with "fairly", but it still seems that you'...
by ResearchMed
Mon Oct 20, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2306

Re: Multiple Fake "Thank you for your order"?

two of my email addresses (one at MegaEmployer, and the other used for personal/small business), on totally different servers. This makes me think that someone who has both of your email addresses did click their link... Right. This is probably it. We get enough of those, but they are usually where...
by ResearchMed
Mon Oct 20, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2306

Re: Multiple Fake "Thank you for your order"?

Thanks. Our guess is malware, not an actual invitation to enter charge card numbers for some supposed purchase. But the first thing we did was to double check charge card activity anyway. We had just replaced all debit cards, and haven't used them again (and won't except at the local branch after ho...
by ResearchMed
Mon Oct 20, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2306

Re: Anyone cancelling travel plans?

Random interesting anecdote: I was actually on the plane, unbeknownst to me at the time, with Mr Duncan from Brussels to DC in September (where he connected to fly to Dallas), while he was apparently not symptomatic. United Airlines emailed us a week or two later to let us know, even though they we...
by ResearchMed
Mon Oct 20, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6314

Multiple Fake "Thank you for your order"?

I've just received a series of what are obviously fake "order confirmation" emails, each from a different weird return email address, with the "Subject" header being only my email address that was used in the "To" header. These are supposedly for mid 4-figure charges. T...
by ResearchMed
Mon Oct 20, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2306

Re: I feel I did the Right thing , but NOW WHAT?

I got a phone call and I got the part time job I applied for. I was only out of work one week. It's very easy for me to find work. The problem is now childcare again. . For a part time. Which is impossible re editing the post I guess I will I just felt line a lot of people were asking for the whole...
by ResearchMed
Sun Oct 19, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: I feel I did the Right thing , but NOW WHAT?
Replies: 36
Views: 5238

Re: I feel I did the Right thing , but NOW WHAT?

You need to speak with some sort of counselor, in terms of your family, your finances and housing, your husband, your children, and your employment options. Have you checked if there is some legal aid available? How much is the attorney charging you? Fighting charges like this could become quite exp...
by ResearchMed
Sun Oct 19, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: I feel I did the Right thing , but NOW WHAT?
Replies: 36
Views: 5238

Re: POLL: How fulfilling is your retirement?

Can this be changed to allow more than one response?

RM
by ResearchMed
Sun Oct 19, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 3009

Re: The Final, Definitive Thread on Rebalancing

You forgot the person who posted to the wrong thread in error, asking "How can I tell which is more Bogleheaded-ish: Walmart or Costco?"

RM
by ResearchMed
Sat Oct 18, 2014 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 24
Views: 1894

Re: Pimco vs. Jack Bogle on active management of bonds

PIMIX looks very interesting. Thank you for posting. PIMIX is the Institutional class of PONDX. Ordinarily, there is a $100k initial investment required for PIMIX, but at Vanguard, it can be purchased with an initial investment of $25k. PONDX has a slightly higher ER than PIMIX (no surprise), but i...
by ResearchMed
Sat Oct 18, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco vs. Jack Bogle on active management of bonds
Replies: 18
Views: 1992

Re: Vanguard Survey warning

I took the survey without any issues. Or at least I think so :| I'd run a special scan just to be sure. But... I assume there *was* an actual survey, and that it looked to be the kind of thing Vanguard might be wanting to ask? We've had occasional websites "flagged" as suspicious or downr...
by ResearchMed
Sat Oct 18, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Survey warning
Replies: 9
Views: 1359

Re: Mega bus vacation with toddlers.

21 hours, eh? 1.5 and 3 years old? Dear God, have pity on the rest of the folks on the bus and pay more to drive yourselves. Lol. I thought that since we are not driving. We will be available to entertain them. Maybe this is a bad idea. We have a brand new mini van and we do not want to drive aroun...
by ResearchMed
Sat Oct 18, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1919

Re: Mega bus vacation with toddlers.

21 hours, eh? 1.5 and 3 years old? Dear God, have pity on the rest of the folks on the bus and pay more to drive yourselves. Lol. I thought that since we are not driving. We will be available to entertain them. Maybe this is a bad idea. We have a brand new mini van and we do not want to drive aroun...
by ResearchMed
Sat Oct 18, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1919

Re: Cruise to Mexico

We are looking at taking a cruise to Mexico from Los Angles on Princess Cruise Line. The cruise is 10 nights and stops in San Diego, Cabo San Lucas, La Paz, Loreto and Puerto Vallarta Mexico. We haven't been to La Paz or Loreto before so was wondering if anyone has every taken this cruise and has i...
by ResearchMed
Sat Oct 18, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Cruise to Mexico
Replies: 4
Views: 521

Re: 403b deduction glitch

It turned out that they had incorrectly identified my maximum as $23,000 for the year; it's actually $26,000 (catch up + 50+). I noted that it had been $26,000 last year as well and there had been no such problem when I hit $23,000; they didn't really have a reason why it would have arisen this yea...
by ResearchMed
Sat Oct 18, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: 403b deduction glitch
Replies: 11
Views: 681
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