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Re: Vanguard e-delivery

We MUCH prefer e-statements, etc. We try to avoid paper copies by snail mail as much as possible. They don't get misdelivered to neighbors. They don't need to be shredded before disposal. We can download all e-statements as pdf's, store them in appropriate folders, and if hard copies are ever needed...
by ResearchMed
Thu Apr 24, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard e-delivery
Replies: 26
Views: 913

Re: Schwab--Retirement Plan & Chat with Advisor

We keep a modest amount at the local Schwab branch, for convenience, and yes, for their online research. But we don't use any of their services in terms of advising or managing. Just a selection of mutual funds that have no extra costs, and most of these are smaller amounts of mutual funds that we a...
by ResearchMed
Wed Apr 23, 2014 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab--Retirement Plan & Chat with Advisor
Replies: 6
Views: 853

Re: In-law Suite

It would have its own kitchen and everything - I hope they approve it :-( If the zoning is a problem, just double check precisely what distinguishes a 2-family from a single family. For example, maybe having an interior door (lockable or not!) between both "sides" would make a difference....
by ResearchMed
Wed Apr 23, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: In-law Suite
Replies: 15
Views: 1099

Re: In-law Suite

As long as your septic sytem can handle two more bedrooms, it should not be a problem (aasuming an add on to existing sructure). Now if you were adding a second kitchen that might cause problems. But your local building/planning/zoning folks can tell you for sure. If it isn't zoned for more density...
by ResearchMed
Wed Apr 23, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: In-law Suite
Replies: 15
Views: 1099

Re: In-law Suite

What is the zoning where your home is?

If 2-family homes are allowed...
Is your neighborhood strictly "one family" or are there already some 2-family/multi-family homes there?

RM
by ResearchMed
Wed Apr 23, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: In-law Suite
Replies: 15
Views: 1099

Re: Can my computer hear me?

In case the computer is not "listening" (and I find the idea of a microphone that can't be turned off more than a bit disturbing and, yes, creepy), here is another possibility: How often have you turned toward your computer screen after reading something or discussing something, and that t...
by ResearchMed
Tue Apr 22, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Can my computer hear me?
Replies: 33
Views: 2466

Re: The dangers of backtesting and overfitting data - paper

So, I read the paper in detail. Like nisiprius, I feel the situation is worse than I had believed. We are confronted with this stuff all the time. For example, "How often should I rebalance, what should my rebalancing bands be?" Anyone can set up a backtesting spreadsheet and find "o...
by ResearchMed
Tue Apr 22, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: The dangers of backtesting and overfitting data - paper
Replies: 31
Views: 1778

Re: are you too conservative with your investments?

I paused adBlock (in Chrome for Mac) so that I could see the tables, but the labels are still cut off. Is that my browser or is that the way the charts are displaying for everyone? In the second table, I can see the last few letters of each label in column A, and investor C's column is cut off. ALL...
by ResearchMed
Tue Apr 22, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: are you too conservative with your investments?
Replies: 13
Views: 2367

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

The *only* truly helpful thing (looking in retrospect, and also somewhat at the time) that our former MegaBrokers at MegaBrokerage A-then B did was to draw our attention to mid-caps. For this, we thank them, not that they would know, having been "out of our lives" for quite some time now. ...
by ResearchMed
Mon Apr 21, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 46
Views: 3390

Re: sued by landlord

I just talked to the management this morning. .... I think you need to get these statements in writing AND you need to be present in the room when the management calls/faxes/e-mails their lawyer. And the "in writing" should have a "CC:" at the bottom so that it is also sent to t...
by ResearchMed
Mon Apr 21, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: sued by landlord
Replies: 34
Views: 4123

Re: Stopping unwanted "junk" newspaper

So there's rarely any mail with valuable info... mostly junk mail of various sorts. (We'll even leave some junk mail in the mailbox for the same effect.) We guess it's a variation of a "confuse the enemy" strategy. My father used to use a similar strategy. When we would go away for week l...
by ResearchMed
Mon Apr 21, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1505

Re: 3-prong to 2-prong for laptop? & overseas?

Software person here (but I have worked with ee's for decades :D ) - the 3 prong adapter will almost certainly ground the power brick only - not the computer. If there is a wiring fault in the brick (very unlikely) the ground is nice to have - that being said I have used my 3-prong Lenovo brick wit...
by ResearchMed
Mon Apr 21, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: 3-prong to 2-prong for laptop? & overseas?
Replies: 13
Views: 588

3-prong to 2-prong for laptop? & overseas?

My current (no pun intended) Lenovo has a 3-prong plug. All of the other (many) assorted laptops we've had over the years have had 2-prong plugs. The 3-prong plug causes annoyance and sometimes difficulty when traveling, and even here at home in a very old house, as many places don't have many/any 3...
by ResearchMed
Mon Apr 21, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: 3-prong to 2-prong for laptop? & overseas?
Replies: 13
Views: 588

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

Some previous posts have suggested that an S&P500 completion index, like VG extended market, is necessarily inferior (over a long enough period, obviously) to a roughly equivalent combination of mid and small index funds. Presumably that's due to the behavior of equities transitioning at the up...
by ResearchMed
Sun Apr 20, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 46
Views: 3390

Re: Paranoia or just hard to adjust?

Approximately what is your place currently worth?
What is the remaining mortgage amount, if any?

Is it possible that the "sticker shock" will apply - nicely - to the place you already own?

RM
by ResearchMed
Sun Apr 20, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paranoia or just hard to adjust? [High Price of Real Estate]
Replies: 19
Views: 2064

Final Report: Carbonite vs Backblaze - an ongoing comp

Okay... here is the final report: Backblaze: A big fat ZERO. After repeated requests for additional assistance with "the downloaded/restored files that failed", there was NOTHING. Not long thereafter, an email was received stating: " Your ticket with Backblaze was last updated by our ...
by ResearchMed
Sun Apr 20, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1256

Re: Stopping unwanted "junk" newspaper

Our biggest concern is with newspapers (those we want, and the junk) piling up even for a day or two, suggesting that "no one is home". When we are away, we always have a housesitter, someone who either stays over or stops by daily to pick up the papers, bring in the mail, change a few lig...
by ResearchMed
Sun Apr 20, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1505

Re: POLL: If Eligible For Social Security .....

A bit tricky, the way the question and the answer choices are worded: "If Eligible For Social Security Based On Your Own Earnings, At What Age Did You Start Collecting?" I'm "eligible... based on ... own earnings", but am currently collecting spousal benefits. Will switch to &quo...
by ResearchMed
Sat Apr 19, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3225

Re: Question on borrowing from IRA

If you do this, do NOT (emphasis on "NOT"!) miss that 60-day deadline. Act as though it is really 50 or 55 days, to give yourself a window for something to go wrong. If you miss getting that money into a different IRA within that 60 day window, you will not be able to do so later, so that ...
by ResearchMed
Sat Apr 19, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on borrowing from IRA
Replies: 12
Views: 634

Re: Live Now, Live Later?

I was going to ask: "What do you WANT to do?" But you've answered that, in part, already. " Buy that boat that DH has been coveting, do the major remodel that I have been dreaming, and/or take the expensive travels to exotic destination while we are still young (at heart)? Getting use...
by ResearchMed
Thu Apr 17, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Live Now, Live Later?
Replies: 37
Views: 3652

Re: TIAA TPA rollover to Roth?

" The recent news from TIAA has left us wondering if it's wise to put all our annuity eggs in one basket" Is there "news" I should be worried about? Did Fidelity buy out TIAA? ;-) That probably would have been better! But nope, TIAA-CREF bought Nuveen :shock: (There's another th...
by ResearchMed
Wed Apr 16, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA TPA rollover to Roth?
Replies: 10
Views: 236

Re: Baby Boomers: Top 10 Movies

I'd add "Diner" instead.

RM
by ResearchMed
Wed Apr 16, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 44
Views: 2749

Re: Expensive med. test not covered by insurance

Hmmm, not sure here. When I go get my auto fixed, they usually provide me with a ballpark estimate of what the repairs will cost. It might not be too much to ask to have a little printout you sign before a battery of tests is sent off that gives a ballpark of what these tests cost. If the facility/...
by ResearchMed
Wed Apr 16, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3891

Re: message questions

OP wasn't complaining impatiently that there was no reply to his/her reply. Op was wondering why his/her outgoing reply seemed "stuck", and didn't seem to get sent. As for 3 days and "poof"!? Goodness. Someone takes a long weekend "off" and is considered delinquent? Yo...
by ResearchMed
Tue Apr 15, 2014 8:56 am
 
Forum: Forum Issues and Administration
Topic: message questions
Replies: 11
Views: 306

Re: message questions

I find the messaging system here confusing. As best I can tell, when I want to reply to someone, their name appears above the relevant box, and I should just leave it there. Correct? Also, at the moment, having attempted two replies, I see them in my outbox, but there are no copies of the messages ...
by ResearchMed
Tue Apr 15, 2014 8:31 am
 
Forum: Forum Issues and Administration
Topic: message questions
Replies: 11
Views: 306

Re: message questions

Hi. Message received! The outgoing messages will sit there until the recipient opens them, AFAIK. Once it's plucked out and read, it's gone from your mailbox. RM Are you admitting this is your fault? (or was) :) P.S. Make that outbox. Okay. I was taught from a very young age that EVERYTHING is my f...
by ResearchMed
Tue Apr 15, 2014 8:05 am
 
Forum: Forum Issues and Administration
Topic: message questions
Replies: 11
Views: 306

Re: message questions

Hi.

Message received!

The outgoing messages will sit there until the recipient opens them, AFAIK.
Once it's plucked out and read, it's gone from your mailbox.

RM
by ResearchMed
Tue Apr 15, 2014 8:02 am
 
Forum: Forum Issues and Administration
Topic: message questions
Replies: 11
Views: 306

Re: SSA says Grandmother owes 88K!

PC, I do hope you get this cleared up. The latest innovation at the IRS and SSA is that they can go after the children (or any relatives) to retrieve any overpayments to deceased parents, and they can seize your tax refunds to pay down this debt. Article: http://www.washingtonpost.com/politics/soci...
by ResearchMed
Mon Apr 14, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA says Grandmother owes 88K!
Replies: 26
Views: 3857

Re: Dilemma about legal action for injured child

I sent you a private message.

RM
by ResearchMed
Mon Apr 14, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Dilemma about legal action for injured child
Replies: 17
Views: 1855

TIAA-CREF is buying Nuveen?

I just got a news report that TIAA-CREF is buying Nuveen Investments. These don't seem like similar firms. How would this work, if TIAA-CREF is a non-profit? (In terms of "actionable", we've got a substantial amount at T-C, and there have been enough problems with them already... We can *n...
by ResearchMed
Mon Apr 14, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2476

Re: what exactly is the "boring SWAN" portfolio?

Hi cfs! I enjoy your posts, and now you've got me stumped. What does your new "signature" statement ("Fig ets nomen eiu") mean? (All I found on Google was someone else commenting about an empty Google search. Now maybe there will be two of those.) Miss the "SWAN portfolio&qu...
by ResearchMed
Sun Apr 13, 2014 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: what exactly is the "boring SWAN" portfolio?
Replies: 7
Views: 1194

Re: Passport validity: Do I need at least 6 months?

Many places have the passport requirement that it must be valid for at least 6 months after your planned departure.

Why not get it done now, when you have ample time, so that you have the convenience of flexibility in your travel plans later this year.

RM
by ResearchMed
Thu Apr 10, 2014 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1542

Re: Partials vs implants

I have a lower partial that I wore once or twice, then relegated to a drawer in the guest bath. Expensive paper weight, as it were. When I lost two adjacent teeth on the upper right side within the space of two months, I vowed to go the implant route. Having the implant(s) done by my favorite tag-t...
by ResearchMed
Thu Apr 10, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2532

Re: Expensive hobbies and possessions? (B/c you can...)

My long-time personal trainer, but now coming to the house early in the morning. It's the only way I could get DH to do this regularly, even though his intentions were always "tomorrow, definitely" :wink: This is something we consider partly a health-mandated activity. The luxury, of cours...
by ResearchMed
Thu Apr 10, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9246

Re: Partials vs implants

I've got several implants (artificial, metal "stem", top is regular crown). One nice thing is that they don't do anything "to" the neighboring teeth, the way "attached bridges" do, *IF* I understand that correctly. About to get another. On the other hand, I've got a lot...
by ResearchMed
Thu Apr 10, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2532

Re: heartbleed - widespread internet security problem

from Vanguard: Heartbleed was discovered in OpenSSL, the data encryption standard used by a majority of websites around the world—including vanguard.com—to transmit information securely. It lets attackers steal confidential data without being noticed, including passwords, bank account information, ...
by ResearchMed
Thu Apr 10, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16626

Finally! TIAA-CREF class action for delays

Finally. We just received a notice of Proposed Settlement of a class action suit against TIAA-CREF for taking too long to transfer funds. This is something we complained mightily about some years ago, and finally had Vanguard assist in doing the paperwork to "pull" the money. (A major brok...
by ResearchMed
Wed Apr 09, 2014 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally! TIAA-CREF class action for delays
Replies: 1
Views: 433

Re: Carbonite vs Backblaze - an ongoing comp

By the way, ALL files stored on Carbonite, as we've already conveniently "tested", were easily downloaded (not "restored") when traveling or when using DH's laptop. Easy. That wouldn't work with local backups. (We have those, too, but didn't keep them fully up to date, and on mor...
by ResearchMed
Wed Apr 09, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1256

Re: Carbonite vs Backblaze - an ongoing comp

My big concerns about this is how slow the restore from carbonite is. Is there a reason for it? or is it just THAT MUCH data you are trying to restore that you're only at 12% after a day or two? A huge amount of content, and a fairly convoluted folder structure (folders within folders within folder...
by ResearchMed
Wed Apr 09, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1256

UPDATE: Carbonite vs Backblaze - an ongoing comp

OP here, with an update. This has been an interesting field experiment. (Not a "controlled" experiment; there was nothing "controlled" about this! :shock: ) Backblaze: Still MIA for the most part. ONE other email, offering help SELLING us the paid disk recovery. ZERO additional h...
by ResearchMed
Wed Apr 09, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1256

Re: Brown bagging in a more formal office

Agree with Mitchell777. Could you bring some snack bars (granola bars, etc.) with you - enough to subsist on as a lunch, at least the first day - so that IF they "invite you to lunch", and everyone grabs what they brought and heads off, you could say, "Just a minute, let me grab a bi...
by ResearchMed
Wed Apr 09, 2014 8:24 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 3094

Re: Brown bagging in a more formal office

Agree with Mitchell777. Could you bring some snack bars (granola bars, etc.) with you - enough to subsist on as a lunch, at least the first day - so that IF they "invite you to lunch", and everyone grabs what they brought and heads off, you could say, "Just a minute, let me grab a bit...
by ResearchMed
Wed Apr 09, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 3094

Re: How to Handle Death of a Tenant

The laws tend to be state specific, so telling us the state would help. In CA, if the tenant dies in the unit, you have to tell any prospective tenants. I know that doesn't apply to you, but I tell you this to emphasize that the rules you have to follow will be the rules for your state, not mine, u...
by ResearchMed
Wed Apr 09, 2014 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Handle Death of a Tenant
Replies: 19
Views: 1625

Backblaze responds, sort of...

Update: Backblaze rep just responded, stating that they only offer 24 hour response time, and as far as we can tell, that seems to mean ONE response each 24 hours. Far worse, he still did not tell us how to arrange the hard drive, and he did NOT address in any way our report that his instructions ab...
by ResearchMed
Tue Apr 08, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1256

Re: Carbonite vs Backblaze - an ongoing comp

...I'm talking about data files, not a system image. Restoring a system image is more complicated. I'm not sure any (many) people backup their system files in the cloud... This is what Carbonite seems to offer now. Has anyone used it? Anyone actually RESTORED a full system (mirror drive) that way? ...
by ResearchMed
Tue Apr 08, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1256

Re: Carbonite vs Backblaze - an ongoing comp

I have been using SOS backup for a couple of years. I have never tested it or used it. How do you test one? How do you download to a new computer/hard drive? Thanks for bring this up. The way I "tested" Carbonite, when I first got it a few years (?) ago, is by first, going up "into t...
by ResearchMed
Tue Apr 08, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1256

Carbonite vs Backblaze - an ongoing comp

Well, well. Having recently added Backblaze (and commented here on BH that Backblaze was MUCH faster with the initial backup), I'm now having first hand experience with the actual RESTORE process - unfortunately... Last week, my trusty laptop went belly up. But I didn't panic, because I had "se...
by ResearchMed
Tue Apr 08, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1256

Re: temp power of attorney for specific purpose of selling h

We did the reverse, purchasing out of state, and decided it wasn't worth flying a long distance for the closing. The Escrow Agent FedEx'd the documents to us, and actually paid to have a Notary come to our home to witness the signatures. (He was pretty ticked off that he had to sit there while we re...
by ResearchMed
Tue Apr 08, 2014 7:20 am
 
Forum: Personal Finance (Not Investing)
Topic: temp power of attorney for specific purpose of selling house
Replies: 7
Views: 393

Re: Any way to auto save a draft?

Thanks everyone. Glad to know I'm not alone and will try your suggestions. And to clarify, I was logged in to begin, but you're saying if I choose the log me on automatically it will keep me logged in? Nope. Not a guarantee. I've got "log me on automatically", and no other "log out&q...
by ResearchMed
Mon Apr 07, 2014 4:15 pm
 
Forum: Forum Issues and Administration
Topic: Any way to auto save a draft?
Replies: 14
Views: 484

Re: Seattle trip at end of May - Any tips?

What are your interests? Sightseeing in town (museums - what type - or ?)? Sightseeing with water-based views, or ferry to islands? Sightseeing to mountain areas (Snoqualmie Falls? Mt Rainier areas?)? Hiking? Shopping (for what, and what can't you get where you live?)? Other interests? It's a beauti...
by ResearchMed
Mon Apr 07, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Seattle trip at end of May - Any tips?
Replies: 22
Views: 1326
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