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Re: Travel Insurance

This is very helpful to hear from people who have lots of experience. I was asking in particular about getting an annual policy. It costs more but if one is going on several trips, including domestic, it seems like it would be good value and give one more bang for the buck. I'm going to call and as...
by ResearchMed
Sun Dec 21, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance
Replies: 18
Views: 865

Re: Travel Insurance

I'm to figure how the 94 yo mother fits in here. She's not going with you on the month long trip, but if she passes away while you're over there, you will want to return home early? Is that the main concern? ...and, if so, is that a risk normally covered by travel insurance? Gill Yes, I think that ...
by ResearchMed
Sun Dec 21, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance
Replies: 18
Views: 865

Re: Advice for Contractor Payment

Why wouldn't you want to get a third party (charge card company) involved? The contractor pays the fee, not you (unless they are offering you a discount for cash). We always feel better when there is a charge card company standing behind us, so to speak, in case there is anything squirrelly. Especia...
by ResearchMed
Fri Dec 19, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Advice for Contractor Payment
Replies: 5
Views: 533

Re: campaign for better 403B

It's doubtful your 403B plan is subject to ERISA rules. The fact that there are no lower cost options and no index funds is a red flag. Possibly. But it seems like a non-profit organization of that size would be subject to ERISA. If I were a fiduciary for such a high fee plan, I would be worried ab...
by ResearchMed
Thu Dec 18, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: campaign for better 403B
Replies: 17
Views: 1011

Re: Lockheed's 401k plan suit

Lockheed is the most recent, I think, and the biggest claim (I think). Nationwide is another: http://www.forbes.com/sites/johnwasik/2014/08/15/why-your-401k-is-worth-suing-over/ And Fidelity was sued by its own employees. There are others, and all of this should be a *real* wakeup call to the fiduci...
by ResearchMed
Thu Dec 18, 2014 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: Lockheed Martin Case Puts 401(k) Plans On Trial
Replies: 6
Views: 1484

Re: campaign for better 403B

Ask your HR person if it is under the jurisdiction of DOL ERISA. Don't be surprised if he/she doesn't know. Then ask for the "plan document." This document is public to all employees. Looks like to me after reading the first page of this document that it is under ERISA: http://www.princip...
by ResearchMed
Thu Dec 18, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: campaign for better 403B
Replies: 17
Views: 1011

Re: Convince Wife About Value of IRA - Good Resources

If your spending is quite low relative to income, then it's likely not to be sky high in retirement (although that could change if you love to travel, etc.). If your spending will be lower in retirement, then chances are the amount you'd be taking out of retirement accounts (via RMD's or extra) is ...
by ResearchMed
Mon Dec 15, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince Wife About Value of IRA - Good Resources
Replies: 13
Views: 1117

Re: Convince Wife About Value of IRA - Good Resources

If your spending is quite low relative to income, then it's likely not to be sky high in retirement (although that could change if you love to travel, etc.). If your spending will be lower in retirement, then chances are the amount you'd be taking out of retirement accounts (via RMD's or extra) is l...
by ResearchMed
Mon Dec 15, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince Wife About Value of IRA - Good Resources
Replies: 13
Views: 1117

Re: woman's bathrobe gift

Try LL Bean, RedEnvelope, and Boden. $80 is not an unreasonable price for a good bathrobe, but RedEnvelope has a nice on sale right now for about $50. We just received another LL Bean catalog, and there are several styles and fabrics of bathrobes for women, such as flannel or terrycloth. I don't kn...
by ResearchMed
Tue Dec 09, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: woman's bathrobe gift
Replies: 7
Views: 817

Re: IRS IRA Rollover Rule Clarification Notice

I doubt that this was what was intended (?), but some people (including us) have used this to access a short-term "loan", with no penalties as long as the money is returned to a different IRA in less than 60 days. Didn't even have to be a different one (IRS lost a previous case on that as...
by ResearchMed
Tue Dec 09, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS IRA Rollover Rule Clarification Notice
Replies: 23
Views: 2358

Re: IRS IRA Rollover Rule Clarification Notice

I doubt that this was what was intended (?), but some people (including us) have used this to access a short-term "loan", with no penalties as long as the money is returned to a different IRA in less than 60 days. (There is, of course, the potential loss of any investment returns - or los...
by ResearchMed
Tue Dec 09, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS IRA Rollover Rule Clarification Notice
Replies: 23
Views: 2358

Re: IRS IRA Rollover Rule Clarification Notice

I totally get that this does not affect trustee to trustee transfers. I have read parts of the court case and I will need to read it in its entirely. What I do not completely understand is why someone would choose to insert themselves into the process. There must be some type of monetary advantage ...
by ResearchMed
Tue Dec 09, 2014 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS IRA Rollover Rule Clarification Notice
Replies: 23
Views: 2358

Re: Ad hoc travel to Antarctica

Phineas J. Whoopee wrote:
ResearchMed wrote:...
This is renewing our interest in a trip there, fast :D
...

Going there fast is probably a good idea, but within that constraint I suggest you make a point of going slowly.
PJW


:D
by ResearchMed
Mon Dec 08, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 2611

Re: Ad hoc travel to Antarctica

You might also want to keep an eye on CruiseCritic.com You could find information about cruises to Antarctica (by cruise line), but there may also be some additional information about ports of call in South America. That would probably include things that are not cruise-specific, along with informat...
by ResearchMed
Mon Dec 08, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 2611

Re: Ad hoc travel to Antarctica

Yesterday, someone has mentioned that the cheapest way to travel to Antarctica is to come to Ushuaia, Argentina, a port, from which tour boats for Antarctica depart. Supposedly, most boats have some empty cabins and they are happy to sell them at the last moment at a fraction of the price. I have s...
by ResearchMed
Mon Dec 08, 2014 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 2611

Re: Family jewels, kind of.

I don't care if they offered me 75% off. I'd be setting the tone for my marriage right from the get-go, and that would start by getting the rock you want, on your own, with your money, and without any meddling by family. Your purchase, your decision (along with your new bride's input). Set the tone...
by ResearchMed
Mon Dec 08, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3322

Re: What to do with VGPMX?

As mentioned above a few times, what is important is to stick with whatever plan you have, and not jump in and out (thus locking in losses, usually). This is what should be the case *unless* your situation has changed - it has, the medical/stress situation - and/or you original reason for a particul...
by ResearchMed
Mon Dec 08, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 32
Views: 2247

Re: Protocol for taking a deposit on an item I'm selling

I'd suggest getting it in writing, even if just a handwritten note signed by both of you (and it sounds like this is a bit late, that she's already given you the check?). Otherwise, there could be some confusion/misunderstanding, or just forgetfulness - someone thinking the check was the full amount...
by ResearchMed
Sun Dec 07, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protocol for taking a deposit on an item I'm selling
Replies: 15
Views: 675

Re: Protocol for taking a deposit on an item I'm selling

Do you have the purchase arrangements in writing - total price, amount of deposit (and whether it is refundable or not, and if so, under what conditions), how long you'll hold it for her?

RM
by ResearchMed
Sun Dec 07, 2014 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protocol for taking a deposit on an item I'm selling
Replies: 15
Views: 675

Re: Muliple Vanguard "Total Stock Market Index" funds questi

Added: There are two labeled "Inst" that both have ER's of .04% , one with $5m and one with $100m minimum. Well, I'm mostly happy to see that you are having trouble deciding between which of the two above you want to invest. :happy Yeah, such difficult decisions......... ! Guess I'll flip...
by ResearchMed
Sun Dec 07, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Muliple Vanguard "Total Stock Market Index" funds question
Replies: 17
Views: 1056

Re: Muliple Vanguard "Total Stock Market Index" funds questi

But, at least in this case, why have two of them? RM See this post for the explanation of the creation of the Total Bond Market II: Vanguard Introduces Total Bond Market II Fund It's possible that there was a similar reason for creating a second total stock market index fund. Or there was some othe...
by ResearchMed
Sun Dec 07, 2014 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: Muliple Vanguard "Total Stock Market Index" funds question
Replies: 17
Views: 1056

Re: Muliple Vanguard "Total Stock Market Index" funds questi

I'm not sure that accounts for all of it . . . Check BeneIRA's note, and again, it is all the same stuff, the difference is the expense ratio and the minimum investment required, if not satisfied with our (short) inputs you can contact Vanguard for the rest of the story . As far as I can tell, VITN...
by ResearchMed
Sun Dec 07, 2014 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: Muliple Vanguard "Total Stock Market Index" funds question
Replies: 17
Views: 1056

Re: Muliple Vanguard "Total Stock Market Index" funds questi

I'm not sure that accounts for all of it . . . Check BeneIRA's note, and again, it is all the same stuff, the difference is the expense ratio and the minimum investment required, if not satisfied with our (short) inputs you can contact Vanguard for the rest of the story . As far as I can tell, VITN...
by ResearchMed
Sun Dec 07, 2014 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: Muliple Vanguard "Total Stock Market Index" funds question
Replies: 17
Views: 1056

Re: Muliple Vanguard "Total Stock Market Index" funds questi

https://institutional.vanguard.com/VGApp/iip/site/institutional/investments/productoverview?fundId=0094 It tracks the S&P 500 Index but the expense ratio is 0.04% whereas the Institutional Plus shares have an expense ratio of 0.02%. https://institutional.vanguard.com/VGApp/iip/site/institutiona...
by ResearchMed
Sun Dec 07, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Muliple Vanguard "Total Stock Market Index" funds question
Replies: 17
Views: 1056

Re: Muliple Vanguard "Total Stock Market Index" funds questi

Same stuff Your link is for institutional investors, and it is all the same, the difference is the expense ratio and the minimum investment required, here is the link for individual investors like the rest of us https://investor.vanguard.com/mutual-funds/vanguard-mutual-funds-list?assetclass=stk#ta...
by ResearchMed
Sun Dec 07, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Muliple Vanguard "Total Stock Market Index" funds question
Replies: 17
Views: 1056

Re: Am I being cheap? [wedding/engagement ring]

My guess is that this thread demonstrates that a large percentage of bogleheads think much differently vs. the general population. I don't believe you'd run into the same argument over a buying $2k engagement/wedding ring vs. a $75k salary among the general population. I do think the OP should revi...
by ResearchMed
Sun Dec 07, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8805

Muliple Vanguard "Total Stock Market Index" funds question

I'm not sure what I am missing here... but if I go to the "Aggregate" view of ALL Vanguard funds and etfs -- https://institutional.vanguard.com/VGApp/iip/institutional/csa/investments/aggregateviews/all?structure=all&flip=1100&ssc=true&mgmt=all&sac= there are TWO separate p...
by ResearchMed
Sun Dec 07, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Muliple Vanguard "Total Stock Market Index" funds question
Replies: 17
Views: 1056

Re: Family jewels, kind of.

Am I the only one that is bothered by the entire premise of this scenario? The parents are selling diamonds to their son-in-law? What's next? Are they going to bill him for half the wedding? Is this for a wedding ring? You are not alone. Reading halfway through that third sentence, my smile about &...
by ResearchMed
Sun Dec 07, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3322

Re: Am I being cheap? [wedding/engagement ring]

TomatoTomahto wrote:
ResearchMed wrote:Is this true, that it is governed by some state laws?

I did not know that.

RM


http://family.findlaw.com/marriage/what ... ement.html


Thanks.
That was interesting!

RM
by ResearchMed
Sun Dec 07, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8805

Re: Am I being cheap? [wedding/engagement ring]

And there are very few things where one truly believes and hopes that "this will be a one time only special occasion/item/symbol". IANAL, and as far as I know, there no other "gifts" that have to be returned if the contract is not fulfilled. If the marriage does not take place, ...
by ResearchMed
Sun Dec 07, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8805

Re: Am I being cheap? [wedding/engagement ring]

I agree that there's a profound symbolism to an engagement and/or wedding ring. I can see why many people don't understand what having a diamond or not has anything to do with love, fidelity and commitment, and I can see that many people want their diamond rings and don't like being told they can't...
by ResearchMed
Sun Dec 07, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8805

Re: Am I being cheap? [wedding/engagement ring]

I think forum members regularly counsel people, both men and women, to spend less on things like watches, houses or cars. None of those threads ever seem to elicit accusations that people are being judgmental. How is this different? I don't think people would say "well, if your partner thinks ...
by ResearchMed
Sun Dec 07, 2014 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8805

Re: how much house can i afford?

Not quite what you are asking, but IF you are seriously considering using a garage (or any space in your home) for business use that involves others (employees or clients), double check first about zoning, and if that is okay, then also double check about how homeowner's might change (in type/rate)....
by ResearchMed
Sun Dec 07, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: how much house can i afford?
Replies: 14
Views: 1357

Re: Family jewels, kind of.

I agree in that I believe they think they are doing me a big favor because I'd be buying it "at cost" so it must be a big discount. I also think that they have these diamonds in the hope that their only daughter will have one on her ring someday, but I'm not sure how strongly they feel ab...
by ResearchMed
Sat Dec 06, 2014 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3322

Re: Am I being cheap?

She is caught up in what all her friends are doing These friends will keep dogging you throughout the marriage. If it's not wedding rings, it will be cars, homes, holidays, and every other form of consumer spending. Best to put your foot down now. If the attitude here is "put your food down no...
by ResearchMed
Sat Dec 06, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8805

Re: Family jewels, kind of.

Am I the only one that is bothered by the entire premise of this scenario? The parents are selling diamonds to their son-in-law? What's next? Are they going to bill him for half the wedding? Is this for a wedding ring? You are not alone. Reading halfway through that third sentence, my smile about &...
by ResearchMed
Sat Dec 06, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3322

Re: Family jewels, kind of.

If you want the "surprise" element (a nice touch), then go for that, by all means. But you don't have to have "the" ring at that time. You can still have the surprise (down on one knee, or any other old or new ritual) "Will you marry me" (or whatever wording you prefer)...
by ResearchMed
Sat Dec 06, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3322

Re: Am I being cheap?

If she's "the one" (*this* is the most important decision), bite the bullet and consider it an investment in your future. Money can't buy happiness, but it can buy the ring that will make your future wife happy. Happy wife, happy life, as they say. That could set a very bad precedent for ...
by ResearchMed
Sat Dec 06, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8805

Re: Is it safe to leave Laptop in hotel room

I think housekeeping may not be paid for rooms they don't clean, or something. Anyway, the do not disturb sign upsets them if it's left on long enough, even if you tell them you don't need housekeeping for the room. I used to work at night at a customer's computer center and set do not disturb so I...
by ResearchMed
Sat Dec 06, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7880

Re: Poll: Do you ask questions at company 401(k) meetings?

We raise questions/concerns about benefits (including 403b choices, and occasional assorted problems) directly with a senior person in HR. It started because of serious problems with money in one of our accounts going missing, so that wasn't something that was appropriate for a larger meeting, and i...
by ResearchMed
Fri Dec 05, 2014 9:26 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you ask questions at company 401(k) meetings?
Replies: 25
Views: 1726

Re: Legal Protections Question (Rental Property)

We formed an LLC in advance, but couldn't really make use of it fully, because we had the mortgage in our personal names (not a "business loan"). So we took out a commercial umbrella policy for just such potential concerns, as our personal umbrella policy would cover business issues. So ge...
by ResearchMed
Thu Dec 04, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legal Protections Question (Rental Property)
Replies: 29
Views: 1855

Re: login security questions, using false answers

Still haven't figured out something that would work *easily* (that is, some "rule" we could actually remember!), given the need to change to never-used passwords every so often. My comments were to "security questions" not passwords..... that makes it hard..... How about letter+...
by ResearchMed
Thu Dec 04, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: login security questions, using false answers
Replies: 13
Views: 1043

Re: login security questions, using false answers

I have tried made up answers and they are too much a PITA because when you need to answer it's usually away from home or whatever - I guess I would make a bad spy because I forget my lies 8-) ..... So I use a method with the real answer plus some text (different text for different companies).... So...
by ResearchMed
Thu Dec 04, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: login security questions, using false answers
Replies: 13
Views: 1043

Re: Amazon product restricted to Prime members. Is this new?

seems to be a new marketing scheme http://www.msn.com/en-us/money/inside-the-ticker/amazon-launches-product-line-just-for-prime-members/ar-BBgkGL4 I just saw this written up a few hours ago. For those who don't like to click, Amazon has a new line of some products (disposable diapers, baby wipes ar...
by ResearchMed
Thu Dec 04, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Amazon product restricted to Prime members. Is this new?
Replies: 34
Views: 4152

Re: Wedding/Engagement Ring Stones

For Mrs. R's engagement band, I hired a local smith to create a white gold band, hammered. Our wedding bands are also unadorned- tricolor gold (rose, white, and gold) bands in a wave pattern . We discussed at length our likes and dislikes about rings, stones, and so forth. For us, simple and plain ...
by ResearchMed
Thu Dec 04, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Wedding/Engagement Ring Stones
Replies: 16
Views: 1635

Re: Mortgage and heloc deduction question.

Ah... to be sure I understand...

One can deduct interest on a single (first) mortgage of up to $1.1m, and it doesn't have to be in two "parts" of $1m and $100k as a second/HELOC?

Thanks.

RM
by ResearchMed
Thu Dec 04, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage and heloc deduction question.
Replies: 9
Views: 954

Re: Mortgage and heloc deduction question.

You can't deduct the interest on a mortgage over $1m I don't think. I think using the heloc although I will be fully deducting might create a cash flow problem because paying down the mortgage does not change the monthly payments because of the amortization schedule. My understanding is that you ar...
by ResearchMed
Thu Dec 04, 2014 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage and heloc deduction question.
Replies: 9
Views: 954

Re: Assistance with new TIAA-CREF options

Hi - Well, your choices aren't too bad. The expense ratios are a little higher than I'd like, but not bad - especially compared to choices in many smaller corporate retirement plans. Basically, given your choices, don't invest in anything that is a not a TIAA-CREF fund. Note that you can control yo...
by ResearchMed
Wed Dec 03, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with new TIAA-CREF options
Replies: 9
Views: 896

Re: Do we have too much house?

... Babysitter is not for date night - it is for 40+ hours a week (we still have one child not yet in school, plus she is there before the older ones go to school and after they get home), during which my wife and I go to work and earn 10x what we pay for babysitting. ... How many years before the ...
by ResearchMed
Wed Dec 03, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we have too much house?
Replies: 45
Views: 4453

Re: I think I might have goofed.........

I'm having difficulty understanding why an attorney who is "doing" wills would not be on alert about the need to specify beneficiaries. This is pretty routine, actually. And necessary in most cases. Something definitely does NOT smell kosher. Don't send that extra check. "Postpone&quo...
by ResearchMed
Wed Dec 03, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: I think I might have goofed.........
Replies: 15
Views: 2703
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