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Re: Living below my means, means…

Take your argument to an extreme: Why not drive the cheapest possible car, live in the cheapest possible home/apartment, etc. Because I don't want to take it to an extreme, I don't want to drive the cheapest possible car, I don't want to live in the cheapest possible apartment, but I do want to liv...
by ResearchMed
Tue Nov 25, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2557

Re: Living below my means, means…

Living below your means is a great idea! http://i61.tinypic.com/xta10.jpg http://www.thedacrons.com/eric/dogtown/babson_boulders_gloucester.php Not seeing anyone here (or pretty much anywhere on BH) defending "debt" (except maybe mortgage, but there's disagreement there, of course). What'...
by ResearchMed
Tue Nov 25, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2557

Re: Living below my means, means…

Living below your means is a great idea! http://i61.tinypic.com/xta10.jpg http://www.thedacrons.com/eric/dogtown/babson_boulders_gloucester.php Not seeing anyone here (or pretty much anywhere on BH) defending "debt" (except maybe mortgage, but there's disagreement there, of course). What'...
by ResearchMed
Tue Nov 25, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2557

Re: Living below my means, means…

Living below your means, means: - driving a Toyota when you could afford a Lexus - Living in a $250,000 home when you could afford a $500,000 home - Attending to a state school when you could afford a private school - Taking a domestic vacation when you could afford to vacation in a foreign country...
by ResearchMed
Tue Nov 25, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2557

Re: Living below my means, means…

Living below your means, means: - driving a Toyota when you could afford a Lexus - Living in a $250,000 home when you could afford a $500,000 home - Attending to a state school when you could afford a private school - Taking a domestic vacation when you could afford to vacation in a foreign country...
by ResearchMed
Tue Nov 25, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2557

Re: New Jan 2015 Brokerage Fees from Vanguard

Am I reading this right that if you don't hold $50k in Vanguard products you will pay higher commissions? This is as opposed to just having $50k+ in assets invested in whatever else (non-Vanguard funds or ETFs, stocks, bonds, etc). Correct. The "minimum" amount for each category must be i...
by ResearchMed
Mon Nov 24, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: New Jan 2015 Brokerage Fees from Vanguard
Replies: 5
Views: 1270

Re: Back-up Drive - Local or Cloud? Which?

...Having only local backup drives (even redundant ones) isn't going to help if there is a fire, etc., which is why we added Carbonite a few years earlier. Read your Carbonite agreement very carefully. It is not an archival service, meaning to keep everything forever. In the case of a fire, this is...
by ResearchMed
Mon Nov 24, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 27
Views: 1580

Re: Back-up Drive - Local or Cloud? Which?

The "files" did download were either empty or corrupted. The "help" to "click within the box" (after logging in)? NO "BOX" to "click". And no response. This is exactly why it is critical to periodically do test restores (even if only a sample) to ve...
by ResearchMed
Mon Nov 24, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 27
Views: 1580

Re: Back-up Drive - Local or Cloud? Which?

I use local hard drive (duplicates, alternating), and also CARBONITE. I wrote up an "accidental real-life experiment" last spring (elsewhere on BH), comparing Carbonite and BackBlaze. We'd had Carbonite for a couple of years, and I decided for redundancy, to add a second cloud backup, Back...
by ResearchMed
Mon Nov 24, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 27
Views: 1580

Re: Calculating value of tax deferred contributions

Aren't some (all?) retirement plans subject to a 50/50 split if there is a divorce? Is that just ERISA plans, IRAs, or...? I remember needing to sign giving permission for some monies to be removed from [one of DH's retirement accounts], stating that I was aware I was giving up my rights to that mon...
by ResearchMed
Mon Nov 24, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Calculating value of tax deferred contributions
Replies: 4
Views: 418

Re: Excess RMD withdrawn

I requested and received my total 2014 RMD from my Vanguard IRA on November 3. Then on November 20 an additional RMD withdrawal was taken which appears to be over the required withdrawal amount. I will be calling Vanguard on Monday, but, was wondering if anyone has had a similar experience or might...
by ResearchMed
Sun Nov 23, 2014 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess RMD withdrawn
Replies: 4
Views: 713

Re: Retirement around the corner, seeking advice on getting

Marielake, Please do some reading and/or check with someone (without any conflict of interests) about how the TIAA-CREF Traditional Annuity works, in terms of "before annuitizing" vs. "after annuitizing". It is very different. Separately, you should be able to find somewhere on y...
by ResearchMed
Sun Nov 23, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement around the corner, seeking advice on getting hous
Replies: 21
Views: 1896

Re: Vanguard Funds Outperform Peer Group

RM: How are you getting that statistic? From the link in the Opening Post. Best wishes. Taylor Yes, and that is what I quoted: "above average" doesn't mean top 10%. 93% of the funds being "above average" doesn't mean they are in the top 10%, either. 93% are generally in the top ...
by ResearchMed
Sun Nov 23, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Funds Outperform Peer Group
Replies: 9
Views: 927

Re: Vanguard Funds Outperform (risk and return) Peer Group

Toons: Not only are Vanguard's stock, bond and balanced funds in the top 10% of all funds for 10-year returns, we also know that index funds have less risk than managed funds. Thank you, Vanguard (and Jack Bogle) ! Best wishes. Taylor How are you getting that statistic? The link shows that 93% of a...
by ResearchMed
Sun Nov 23, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Funds Outperform Peer Group
Replies: 9
Views: 927

Re: Vanguard launches new offering ... [Vanguard merchandise

For those who may be ordering the large ceramic coffee mug I have just discovered another use. It doubles as a nice beer mug, holds almost a full bottle. Though am sure that this is a non approved off-label use. :happy It's likely to be approved for a "compassionate use waiver" in this ca...
by ResearchMed
Sun Nov 23, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11223

Re: Retirement around the corner, seeking advice on getting

Lots of good ideas/suggestions above for you. A few more: First, make SURE that you leave enough CASH (or reasonably liquid assets) in hand for anything like a new roof or, probably a larger expense, long term care. (But annuities and SS can help with this annual cost, as could selling a home at tha...
by ResearchMed
Sun Nov 23, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement around the corner, seeking advice on getting hous
Replies: 21
Views: 1896

Re: Bumped out of first class at boarding - compensation?

I am not a FF/contract expert but I disagree with this. I find it hard to believe that non-rev passengers have the right to bump anyone with a confirmed ticket from first class. A ticket purchased with miles is still a contract for first class. I think a key point here is 'deadheading ' -- The airl...
by ResearchMed
Sun Nov 23, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 41
Views: 4112

Re: Vanguard launches new offering ... [Vanguard merchandise

Tacky. Really tacky. Coffee mugs, teeshirts, ballcaps are appropriate for some things. But a respected mutual funds brand? What does WSJ have to say about this? At first I thought this thread was some sort of practical joke, a hoax. Guess not. :shock: Some of us like tacky. Well, sometimes there's ...
by ResearchMed
Sun Nov 23, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11223

Re: Bumped out of first class at boarding - compensation?

The airline probably doesn't want *everyone* (including other first class passengers-to-be) realizing their precious seats are at risk AT THE VERY LAST MINUTE, at the instant of boarding :annoyed That's really the damage here. I will never _ever_ again assume that I'm going to be flying in any prem...
by ResearchMed
Sun Nov 23, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 41
Views: 4112

Re: Bumped out of first class at boarding - compensation?

Also contact Chris Elliott, and see this (albeit from 2009): http://elliott.org/blog/kicked-out-of-my-first-class-seat-to-make-room-for-a-crewmember/ This apparently involves mileage-based travel, also. The bumped passengers (who chose to fly a different airline instead) took the airline to small c...
by ResearchMed
Sun Nov 23, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 41
Views: 4112

Re: Bumped out of first class at boarding - compensation?

Three questions: (1) I was wondering what Bogleheads think is appropriate compensation to request in this situation? (2) Should I start with USAir or United customer service? (3) I feel a refund of "double miles" (160,000 miles) and two $500 certificates for future travel would be appropr...
by ResearchMed
Sun Nov 23, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 41
Views: 4112

Re: Bumped out of first class at boarding - compensation?

Also, social media has become increasingly involved and effective. A first (less aggressive) approach would be to try (guessing, but it often works) emailing SocialMedia@<domain name of company> (using this e-address will no doubt suggest to them what the next step might be; see below) and politely ...
by ResearchMed
Sun Nov 23, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 41
Views: 4112

Re: Bumped out of first class at boarding - compensation?

Also contact Chris Elliott, and see this (albeit from 2009): http://elliott.org/blog/kicked-out-of-my-first-class-seat-to-make-room-for-a-crewmember/ This apparently involves mileage-based travel, also. The bumped passengers (who chose to fly a different airline instead) took the airline to small cl...
by ResearchMed
Sun Nov 23, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 41
Views: 4112

Re: best bank for online billpay

From what I have read, some banks take the money out of your account when you write a bill pay check. Others wait until the check clears. You want the second type. Curious why you think the second type is better. In a (nearly) zero interest rate world, there's no difference. It's almost more conven...
by ResearchMed
Sat Nov 22, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 23
Views: 1527

Re: POLL: Do you personally own a cell phone?

um, I thought a "flip phone" was one of those phones sort of like a clam-shell, and the top "flipped up" (hence the name). What's "flippy" about a phone without a touch screen? And is ONLY a "touch screen" phone a "smart phone"? RM the Dinosaur :? Y...
by ResearchMed
Sat Nov 22, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2762

Re: POLL: Do you personally own a cell phone?

I think my cell phone would not count as a "smart phone" (too elderly, early dementia may even be setting in). And it's definitely not a flip phone. But I personally own it. What category should I select? RM "Flip phone" = a phone that has no touch screen. The word "own&quo...
by ResearchMed
Sat Nov 22, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2762

Re: POLL: Do you personally own a cell phone?

I think my cell phone would not count as a "smart phone" (too elderly, early dementia may even be setting in).

And it's definitely not a flip phone.

But I personally own it.

What category should I select?

RM
by ResearchMed
Sat Nov 22, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2762

Re: Jim Cramer dad & LTCI

I have seen LTCI repeatedly in play in my community among friends and acquaintances (sadly), and I have yet to observe or hear of a vendor who did not pay as promised according to the provisions of the policy. But let's say you are skeptical, but willing to assess the evidence (rather than anecdote...
by ResearchMed
Sat Nov 22, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3395

Re: A week in Tuscany: April 2015. Suggestions?

Definitely try to spend at least a few hours at the old walled city of San Gimignano. We were going to go there en route from Florence to Siena for a day trip last spring. We spent so much time just wandering around San Gimignano, and having a meal, and then some gelato, and wandering some more, tha...
by ResearchMed
Fri Nov 21, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: A week in Tuscany: April 2015. Suggestions?
Replies: 22
Views: 1440

Re: Vanguard offers login security code

I wish that Vanguard would accommodate those of us who don't have cell phones or Google Voice by sending security codes to us via email. Granted, it wouldn't be as secure as two-factor authentication, but it would be more secure than having no security codes at all. Potential problem there is "...
by ResearchMed
Fri Nov 21, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 70
Views: 6162

Re: Retirees' Regrets

No regrets here. For those anticipating/in retirement, this advice from Scott Burns seems very worthwhile: http://assetbuilder.com/scott_burns/the_hedonic_clock Another excellent article: http://finance.yahoo.com/news/7-ways-to-retire-happy-192156194.html Wish we had come across something like the ...
by ResearchMed
Fri Nov 21, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 2851

Re: repositioning cruise to Europe?

Yes, look at CruiseCritic.com Look at the different cruise lines, and also look at the "ports of call" or other broad categories in the 'Forum' index there, or do a search for "repo", "repositioning", or "Transatlantic". ("TA" will get too many views...
by ResearchMed
Fri Nov 21, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: repositioning cruise to Europe?
Replies: 11
Views: 1363

Re: Send text messages from PC to Cell Phone

To send a text message via email, you must use a SMS to email gateway. Just substitute a 10-digit cell number for ‘number’ for each carrier below: ■AT&T: number@txt.att.net ■T-Mobile: number@tmomail.net ■Verizon: number@vtext.com ■Sprint: number@messaging.sprintpcs.com or number@pm.sprint.com ■...
by ResearchMed
Fri Nov 21, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 15
Views: 1455

Re: Retirees' Regrets

Not a regret as much as advice: If you want to travel and see things/do things on your bucket list, make plans to do so and get on the road ! Shawcroft I am not retired but my wife and I have tried to travel internationally while we were younger feeling that if we weren't as healthy or perhaps weal...
by ResearchMed
Fri Nov 21, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 2851

Re: What temperature for house for long winter absence?

If pipes aren't fully drained, keep the cabinet doors under sinks OPEN, so air circulates from the regular room temp, *especially* if there are any piping along exterior walls. During dramatic ultra-low temps, we have a slight dripping set for the one faucet with pipes on an exterior wall, in an old...
by ResearchMed
Thu Nov 20, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: What temperature for house for long winter absence?
Replies: 31
Views: 2872

Re: HMO vs PPO

What are the differences in choices of health care providers (physicians, hospitals)? How much of what you are likely to want is in the HMO? (I assume there is NO coverage outside the HMO providers? A question we had, although we don't choose our HMO option, is there doesn't seem to be coverage for...
by ResearchMed
Thu Nov 20, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: HMO vs PPO
Replies: 16
Views: 1084

Re: HMO vs PPO

What are the differences in choices of health care providers (physicians, hospitals)? How much of what you are likely to want is in the HMO? (I assume there is NO coverage outside the HMO providers? A question we had, although we don't choose our HMO option, is there doesn't seem to be coverage for ...
by ResearchMed
Thu Nov 20, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: HMO vs PPO
Replies: 16
Views: 1084

Re: Credit Card Fraud - Need Advice

One TIP: memorize and then scratch off your CCV code on the back so only you can use it online. While they still can duplicate it they must use it in person (which presents a risk of being photographed). But what do you do when you want to use the card in person? Doesn't the merchant need to see th...
by ResearchMed
Thu Nov 20, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 32
Views: 2821

Re: IRAs at different brokerages

As with livesoft, we use 4 different firms. 3 of them have some of the 403b money, and one of those (Vanguard) along with Schwab have some IRA accounts. We do this also in part in case there are "computer gremlins" at one of the firms... There are different funds available at each place th...
by ResearchMed
Thu Nov 20, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: IRAs at different brokerages
Replies: 3
Views: 547

Re: Credit Card Fraud - Need Advice

One TIP: memorize and then scratch off your CCV code on the back so only you can use it online. While they still can duplicate it they must use it in person (which presents a risk of being photographed). But what do you do when you want to use the card in person? Doesn't the merchant need to see th...
by ResearchMed
Wed Nov 19, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 32
Views: 2821

Re: Is this an appropriate use for a line of credit?

The issue is that a lot of these contracts do not fully pay out until the event is finished. That sounds like a significant problem. You should be getting at least enough up-front to cover your hard expenses. The margins on catering should be high enough to allow this. Yes, a line of credit is appr...
by ResearchMed
Wed Nov 19, 2014 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this an appropriate use for a line of credit?
Replies: 6
Views: 547

Re: Any experience on the 10 year alarm bateries

I replace my smoke alarm batteries every January 1. However it seems there is always one that starts beeping about now and of course it is in the middle of the night. I am thinking about the 10 year batteries I have seen at hardware stores. Has anyone had experience with them, good or bad. Thanks D...
by ResearchMed
Wed Nov 19, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Any experience with 10-year alarm batteries?
Replies: 16
Views: 1076

Re: How often do you go out to dinner?

You spend $15 per day eating out for all meals all month long? What am I missing? You are missing to-go boxes. We just went to our favorite Mexican place, had water to drink and two $10 meals. Those ended up being 5 meals altogether: 2 in the restaurant and 3 back at home. Chinese take-out is 6 mea...
by ResearchMed
Tue Nov 18, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 4572

Re: UPS pickup small packages at a home?

Easy but useful question for those of you who have done this - When you use UPS to ship a small package (typically an Amazon return in my case), from a HOUSE address (not apt), can you just have the UPS truck come pick the package up at your front door? I've been taking my packages to the UPS store...
by ResearchMed
Tue Nov 18, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: UPS pickup small packages at a home?
Replies: 6
Views: 773

Re: Credit Card Fraud - Need Advice

OP, I don't have an answer for your question. But I set up an alert with all my credit and debit cards...that if there is a charge of over $20....or any suspicious charges on my cards, they will send me email immediately or even call me. I got a call once from my credit card company telling me that...
by ResearchMed
Tue Nov 18, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 32
Views: 2821

Re: Vacation in France

This one is easy. Go to France. You will have a wonderful time. I took a long trip to France with my girlfriend (now wife) some years ago and the memories still sustain us. I can't imagine giving that up for a little bit more in the retirement account. +1 Now I'll give you the other side of the sce...
by ResearchMed
Tue Nov 18, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 5017

Re: Vanguard launches new offering ...

jlawrence01 wrote:
InvestorNewb wrote:It's a good idea on their part... the pricing on the merchandise also looks at-cost.


They are making money on it ...

No complaints here, though. No extra charge for XXL.


Shouldn't that get Admiral status pricing? :happy

RM
by ResearchMed
Tue Nov 18, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11223

Re: [Should I] rent out [my] house [for a 3-day event]?

When major events happen in my town, I consider it a great luck to be able to attend them rather than financially benefit from them. One's life is a combination of experiences, and unique experiences spice one's life. Victoria And that's totally cool for you. When major events happen in my town, I ...
by ResearchMed
Tue Nov 18, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 4084

Re: 403(b) Difficulties - please advise!

Your wife's situation might be a bit different from some of the others where BH'ers tried (and some succeeded) in changing the funds offered. This is important: Is your wife operating with a formal fiduciary responsibility? Not to scare you, but I *think* (that's THINK, and IANAL - but would one chi...
by ResearchMed
Tue Nov 18, 2014 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: 403(b) Difficulties - please advise!
Replies: 9
Views: 820

Re: Lenovo vs Surface Pro 3

I've had the Lenovo Yoga 2 (i7, 8GB, 64bit, SSD) for a few months. I love it. Very light and easy to bring around. I don't have much need for a tablet, but when I do, I love how it flip to one. But I use it in laptop mode 90% of the time. I would recommend it, I was also looking at surface pro, but...
by ResearchMed
Tue Nov 18, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Lenovo vs Surface Pro 3
Replies: 20
Views: 1575
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