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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: 2
Views: 71

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: 273

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: 273

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: 273

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: 6
Views: 366

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: 599

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: 599

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: 11
Views: 824

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: 11
Views: 824

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: 802

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: 802

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: 2098

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: 320

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: 1292

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: 877

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: 877

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: 802

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: 2037

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: 4050

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: 4050

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: 2288

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: 2288

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: 2288

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: 2288

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: 2288

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: 2288

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: 2288

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: 2288

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: 6285

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: 2288

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: 5205

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: 5205

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: 2993

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: 1858

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: 1979

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: 1346

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: 1897

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: 1897

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: 517

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: 629

Re: Anyone cancelling travel plans?

I think so. We were in Dallas 3 weeks ago for the Cowboys - Saints game (Cowboys fan) when the news broke the first US case was confirmed there. I'm going back to Dallas for the Colts game in December. News would have to change significantly from what is going on now to get me to cancel the trip. I...
by ResearchMed
Sat Oct 18, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6285

Re: 403b deduction glitch

This may or may not be the same issue the OP faced but I had a situation where I had a part-time job that I had arranged to direct 100% of my pay into my 403b, that is, everything except my FICA was going into my 403b. This was working fine until September, when payroll had to manually enter some i...
by ResearchMed
Sat Oct 18, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: 403b deduction glitch
Replies: 11
Views: 629

Re: 403b deduction glitch

This may or may not be the same issue the OP faced but I had a situation where I had a part-time job that I had arranged to direct 100% of my pay into my 403b, that is, everything except my FICA was going into my 403b. This was working fine until September, when payroll had to manually enter some i...
by ResearchMed
Sat Oct 18, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: 403b deduction glitch
Replies: 11
Views: 629

Re: important supreme court case

kenner: I had a question about the Statute of Limitations part. "Even if" it turns out Employer's "decision" of more than 6 years ago "stands" due to this statute, why isn't the same fiduciary concern called into question "now and going forward" (or "at t...
by ResearchMed
Sat Oct 18, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: important supreme court case [on high cost 401k plans]
Replies: 7
Views: 1559

Re: 403b deduction glitch

fposte: When you wrote above " Payroll is looking into it. I think it's going to be complicated to correct, since just adding it to next month looks like it will put me above the maximum to deduct, and I can't just tweak the contributions to compensate on my end because I'm already at the max.&...
by ResearchMed
Sat Oct 18, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: 403b deduction glitch
Replies: 11
Views: 629

Re: Kids & Sports

What activities *does* he enjoy?

This could be something he "sort of does" on his own time, or something he enjoys watching (live or otherwise).

Athletic/physical or otherwise?

RM
by ResearchMed
Fri Oct 17, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2286

Re: Kids & Sports

Have you asked his pediatrician about whether his muscle tone/coordination are within average bounds, and not just someone who specializes in such problems (or other specific problems/therapies)? And perhaps get a second opinion? It sounds like you are indeed noticing something, and (I AM NOT A PHYS...
by ResearchMed
Fri Oct 17, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2286

Re: Anybody ever reduce term coverage amount?

Sounds okay as a general strategy, as long as you are thinking about the inflation effects over a couple of decades. One million way in the future won't be the same as it is now. Do either of you have life insurance available through employer that would be a multiple of salary? (And if so, is it por...
by ResearchMed
Fri Oct 17, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody ever reduce term coverage amount?
Replies: 16
Views: 825

Re: Market Slide Percentages?

Speaking of cute, looking at you, are you a Russian Blue? Or just a domestic shorthair? British blue? RM I was going by the green eyes. British Blue eyes are copper color. Myself, I am a Turkish Van. :happy[/quote] Not quite green enough. Ears a bit off? Also a bit chunky for a contemporary Russian...
by ResearchMed
Thu Oct 16, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market Slide Percentages?
Replies: 28
Views: 1869

Re: Market Slide Percentages?

drawpoker wrote:Ha, ha, Zabar. Cute.
Speaking of cute, looking at you, are you a Russian Blue? Or just a domestic shorthair?


British blue?

RM
by ResearchMed
Thu Oct 16, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market Slide Percentages?
Replies: 28
Views: 1869
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