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Re: Sued and won for drycleaner losing suit, suit now found.

Victory is mine! Paid a visit to the cleaner today and asked for payment in full of the judgment. She had the suit, but it looked somewhat more worn than expected. I insisted on payment, and she said she would get a lawyer and sue me for refusing the suit. I told her I was heading straight to the c...
by ResearchMed
Mon Mar 30, 2015 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7343

Re: Implications of Marriage - she with debt and low income

All: First, I'd like to say I really appreciate all the feedback here. I know prenups are a sticky subject in the forums, and the fact this thread hasn't blown up into the usual dead-end arguments is a good thing, Let me add a few things that may clarify or expand on my original posting, in no part...
by ResearchMed
Mon Mar 30, 2015 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 52
Views: 4127

Re: Why would real estate be sold for $1?

My parents own a rental condo and are thinking of selling sometime this year. They asked that I assist in the process. The condo is located in PA and my parents own it outright - it is also fully depreciated. I am trying to research pricing, so I went to the county recorder of deed's website to che...
by ResearchMed
Mon Mar 30, 2015 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Why would real estate be sold for $1?
Replies: 17
Views: 1407

Re: Implications of Marriage - she with debt and low income

If you're not religious(I assume if you were, a domestic partnership wouldn't cut it) and you're absolutely sure you never want children, then why get married at all? +1, other than her giving you an ultimatum. OP has already answered this, so I don't know why so many are questioning this: " B...
by ResearchMed
Sun Mar 29, 2015 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 52
Views: 4127

Re: Mortgage Debt in Retirement?

Why pay off the mortgage, if there is still some appreciation (slow or not), and the rest of the money (what is not used to pay off the mortgage) can also be invested? Because the appreciation will happen regardless of whether you pay off the mortgage or not, so why not? There are so many answers t...
by ResearchMed
Sun Mar 29, 2015 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Debt in Retirement?
Replies: 74
Views: 4664

Re: Implications of Marriage - she with debt and low income

If you're not religious(I assume if you were, a domestic partnership wouldn't cut it) and you're absolutely sure you never want children, then why get married at all? +1, other than her giving you an ultimatum. OP has already answered this, so I don't know why so many are questioning this: " B...
by ResearchMed
Sun Mar 29, 2015 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 52
Views: 4127

Re: Hate where we live, do we make major changes?

20 years is enough - it's TOO much - for a place that you hate. Assuming that these feelings aren't new, and based upon some possibly passing annoyance (and it doesn't sound that way), then yes... it's time to do something, move somewhere, where you'll have a chance to be happier. (Note that no plac...
by ResearchMed
Sun Mar 29, 2015 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5224

Re: Mortgage Debt in Retirement?

As the Wizard pointed out, the issue of leverage is a different issue. I agree that a mortgage gives you the benefit of leverage when purchasing a home, but after you have owned the home for a while, the issue of leverage becomes a moot point when you have to decide between paying off the mortgage ...
by ResearchMed
Sun Mar 29, 2015 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Debt in Retirement?
Replies: 74
Views: 4664

Re: Mortgage Debt in Retirement?

Although we certainly didn't expect dramatic appreciation, that's what has happened. You would have gotten the same dramatic appreciation whether you had a mortgage or not. And the first $500k profit will be tax free (or possibly taxed only at the state level, but that's a small percentage). Anythi...
by ResearchMed
Sun Mar 29, 2015 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Debt in Retirement?
Replies: 74
Views: 4664

Re: Mortgage Debt in Retirement?

Read a book not too long ago that made a convincing case that you should always hold the maximum possible mortgage on any house that you own, even if you have to borrow against the equity. This is unlikely as a general rule. If you would be better off borrowing at mortgage rates to invest, why is t...
by ResearchMed
Sun Mar 29, 2015 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Debt in Retirement?
Replies: 74
Views: 4664

Re: [Poll] Would you be disappointed if VG advertised more?

greg24 wrote:They should fix their customer service before attempting to draw in more customers.


This ^

RM
by ResearchMed
Sat Mar 28, 2015 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Would you be disappointed if VG advertised more?
Replies: 19
Views: 1322

Re: Boomer forced to retire (unemployed)

Apologies, but I'm getting more and more confused about your situation and your planning. It wasn't that long ago (a year or so) that you were asking about taking $100k and purchasing an SPIA to pay for a lot of your expenses (?). And then you were planning to move overseas and live "rich"...
by ResearchMed
Fri Mar 27, 2015 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boomer forced to retire (unemployed)
Replies: 34
Views: 3905

Re: Boomer forced to retire (unemployed)

To be more clear: He has been out of work almost 23 weeks sorry for being uncleared. I am 34 year old that is why we allocated the assets according to my age. Kids are in preschool part time not full time. If he goes back to work, the cost will increase. I"m still at work. I will post more inf...
by ResearchMed
Fri Mar 27, 2015 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boomer forced to retire (unemployed)
Replies: 34
Views: 3905

Re: Boomer forced to retire (unemployed)

I agree with the above that more information is needed to give a meaningul answer, but given what you've posted already: I would assume that an 80/20 allocation for a mid-50's couple (I assumed you were around his age, but may be wrong on that) dependent on one income with two kids would be conside...
by ResearchMed
Fri Mar 27, 2015 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boomer forced to retire (unemployed)
Replies: 34
Views: 3905

Re: The Financial Implications of Moving in Together

It has only been "a few" years, but the issues remain and grow year by year. The lack of equity, the power imbalance, etc are something I would not put up with or impose on my girlfriend. I can see this could work for some and for them "good for them", just not me, and apparentl...
by ResearchMed
Fri Mar 27, 2015 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3001

Re: The Financial Implications of Moving in Together

I moved in with my GF after 6 ish months of dating, and weve been living together for 7 years now. We never had a hard rule of who pays for what. I have generally made more money, so I would pay a bit more bill wise. We bought a house a few years ago (its in my name, I put the downpayment down) and...
by ResearchMed
Fri Mar 27, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3001

Re: The Financial Implications of Moving in Together

Great news Boggleheads, After three years and change, my girlfriend and I are moving in together. We are in hard contract for a lovely apartment in Manhattan (in good BH fashion we had the landlord knock 250 off the rent PM and avoided a brokers fee by negotiating directly). She is my best friend a...
by ResearchMed
Fri Mar 27, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3001

Re: Sued and won for drycleaner losing suit, suit now found.

I hope you've found a different dry cleaner for all future needs?

I certainly wouldn't trust them, now, to do good work on your clothing.

RM
by ResearchMed
Fri Mar 27, 2015 10:15 am
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7343

Re: My evil plan backfired

id recommend asking the funds be split 50/50 into index and his active. The index is your half. Give it time. Over many years you should do better. If not then im guessing you are Mrs. Buffet :) Although I already "voted", with a suggestion that you and he arrange for his "winnings&q...
by ResearchMed
Fri Mar 27, 2015 9:01 am
 
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 6673

Re: My evil plan backfired

I wasn't sure if I should post this here or in investments, but as it's more around psychology and behaviors than investments specifically I put it here. Last fall my husband wanted to try out buying individual stocks. Long story short - I wasn't on board with the idea but he wasn't on board with i...
by ResearchMed
Thu Mar 26, 2015 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 6673

Re: WSJ Delivery Record - Dismal

My WSJ is delivered with my morning newspaper (around 5 am). Evidently cheaper for WSJ to do that in this area. On time about 99.9% A few years ago it did come with the mail and even then the on-time was quite good. WSJ is printed in several plants around the country and your distance to the closes...
by ResearchMed
Thu Mar 26, 2015 9:04 am
 
Forum: Personal Consumer Issues
Topic: WSJ Delivery Record - Dismal
Replies: 25
Views: 1837

Re: Vanguard HealthCare Fund

zaboomafoozarg wrote:
ResearchMed wrote:OMG!

SELL! SELL!!! SELL!!!

RM


The order doesn't go through until tonight, so you have 1 day!


OK, but is this frontrunning of sorts?

(Meh, who would ever know, right?)

RM
by ResearchMed
Thu Mar 26, 2015 8:44 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 61
Views: 5175

Re: Vanguard HealthCare Fund

Thank you for not investing in healthcare :twisted: Based on your stated conviction your buying would result in 30 years of under performance please stay awY LOL. Well... we're going to see! :D All the regret was killing me, so I did what any good stay-the-course Boglehead wouldn't do - said heck w...
by ResearchMed
Wed Mar 25, 2015 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 61
Views: 5175

Re: why they requires my username and pass word

Actually, I've been having the same exact problem. The site is very inconsistent in when it keeps me logged in/logs me out. I don't delete the cookies. This is on Chrome Version 41.0.2272.76 m I am using Chrome also and have a similar problem. I eventually determined that it has to do with my phone...
by ResearchMed
Wed Mar 25, 2015 7:11 pm
 
Forum: Forum Issues and Administration
Topic: why they requires my username and pass word
Replies: 7
Views: 824

Re: Travel Insurance

Has anyone purchased annual (vs single trip) travel insurance? As DH and I travel more, I'm wondering if we should consider it. We travel multiple times per year, at least once internationally. -Steph I'd suggest calling Steve at TripInsuranceStore.com (see above). (Talk with him, don't just review...
by ResearchMed
Wed Mar 25, 2015 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance
Replies: 20
Views: 1179

Re: Booking a cruise online

Double check that the agency doesn't have their own booking or cancellation fee (or both). Sometimes it is helpful to re-price the cruise if rates go down. (But double check if you'll lose any perks and figure total price BEFORE actually cancelling.) There are often long advance windows when there i...
by ResearchMed
Wed Mar 25, 2015 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Booking a cruise online
Replies: 8
Views: 893

Re: Booking a cruise online

If you are considering NCL, there is a "real" discount for any cruise booked through Costco Travel.
Don't know if it can be done online.

RM
by ResearchMed
Wed Mar 25, 2015 11:30 am
 
Forum: Personal Consumer Issues
Topic: Booking a cruise online
Replies: 8
Views: 893

Re: Building a new house. Any recommendations?

From the home we moved into: LOTS of extra storage in the (finished) basement. This includes one wall between the Guest bedroom and the media/family room that has been made "thicker" to be a very wide, regular depth closet, with double doors. Second, built into the wall that continues to g...
by ResearchMed
Wed Mar 25, 2015 10:53 am
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 48
Views: 3988

Re: Vanguard HealthCare Fund

zaboomafoozarg wrote:I kind of feel dumb for not investing in this. But if I did it would probably underperform the next 30 years.


Thank you for not investing in healthcare :twisted:

RM
by ResearchMed
Wed Mar 25, 2015 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 61
Views: 5175

Re: Excess Cash - Play Monopoly or Repay Debt?

Quick question, Meg77: I didn't realize that the "value" of your rental properties (and your home?) is the purchase price, and not the "current value" (which, of course, could drop dramatically in a bad RE market, etc.). RE has appreciated here quite a bit, to our (pleasant) surp...
by ResearchMed
Tue Mar 24, 2015 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 67
Views: 5159

Re: The one area I disagree with Jack

I do not intend to go 100% equities, but for someone who's comfortable with their fixed income level as their income floor, I'm not going to call them delusional if they put their excess money in stocks The delusional part is thinking your pseudo bond results in you having a moderate risk portfolio...
by ResearchMed
Tue Mar 24, 2015 11:09 am
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7321

Re: Excess Cash - Play Monopoly or Repay Debt?

Meg77, I 'get it' about the debt for real estate (made some nice pin money over the years, and put children through school, too, that way, plus money for major updates in current home, etc.). But from what I'm seeing, you are a bit too close to the edge, in many ways - not enough equity for forced s...
by ResearchMed
Mon Mar 23, 2015 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 67
Views: 5159

Re: Excess Cash - Play Monopoly or Repay Debt?

First, congratulations to both of you on your first! :happy It looks like you have a nice little real estate empire in progress (it's 7 properties?), but not much equity yet? Main concern... that consumer debt!! What interest rate? Assuming you don't have a 0% rate *and* 100k coming in to pay that o...
by ResearchMed
Mon Mar 23, 2015 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 67
Views: 5159

Re: Mysterious Vanguard Security Code

You might want to experiment with logging into your Vanguard account, but typing the password incorrectly. Then log in correctly a few minutes later and see what it says for "last login." I don't know what Vanguard shows, but one of my credit cards did show my failed login attempt (becaus...
by ResearchMed
Sun Mar 22, 2015 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 1769

Re: Roommate problems

My younger brother rents a 2 BR condo with his cousin. His roommate's mother owns the condo. There are no written lease agreements, the terms were handshake agreed upon. Basically, I think both they are working on a month to month basis - with a loose 60 day notice period requested. I think the set...
by ResearchMed
Sun Mar 22, 2015 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roommate problems
Replies: 39
Views: 4166

Re: Roommate problems

My younger brother rents a 2 BR condo with his cousin. His roommate's mother owns the condo. There are no written lease agreements, the terms were handshake agreed upon. Basically, I think both they are working on a month to month basis - with a loose 60 day notice period requested. I think the set...
by ResearchMed
Sun Mar 22, 2015 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roommate problems
Replies: 39
Views: 4166

Re: Mysterious Vanguard Security Code

Consider Vanguard's two-factor authentication. You type in your user name, they send you a text number to your cell phone that you enter and that gets you to the password logon screen. It's added steps but there are no virus worries. I do it everytime I check my account. Love it. https://personal.v...
by ResearchMed
Sun Mar 22, 2015 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 1769

Re: Traveling WiFi

We will be on vacation for about 6 weeks and might not be at a spot that has Wifi access. We have ATT as our provider and I see that they have mobile devices named Velocity, Unite, Unite Pro. They sell for $50.00-150.00 or 0.99 with a 2 year contract. I have also used my IPhone 5 as a tethering dev...
by ResearchMed
Sun Mar 22, 2015 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 2010

Re: Mysterious Vanguard Security Code

I would encourage you to change your password, but most of the times this happens, it's merely someone who has a similar username to you and is putting in the username wrong. I used to work in customer service, and I probably had at least one call a day where someone would call in saying they had l...
by ResearchMed
Sun Mar 22, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 1769

Re: Reduced Spending thru Retirement? Models or Data

In my case spending is determined by available income. That is, once retired, we tend to spend according to how our investments and dividends are doing. Been retired 8 years and I can see that over time there might be less we want to spend on our lifestyle, but this will probably be offset by gifts...
by ResearchMed
Sun Mar 22, 2015 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Reduced Spending thru Retirement? Models or Data
Replies: 6
Views: 715

Re: One Level or Two Level House

Folks with one story homes, don't you have basement steps to climb? A basement will not get used nearly as much as bedrooms on the 2nd floor. Have to sleep every night :D One big consideration here, regarding basements, is whether it is "difficult" to get down those stairs, or whether one...
by ResearchMed
Sun Mar 22, 2015 9:37 am
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5631

Re: VGPMX [Vanguard Precious Metals And Mining Fund]

As a result VGMMX recently sold for $8.50/share, ... It is 470% below its all time high of $40/share in just 8 years ago. Sorry, but the current share price is only 78.75% below it's all time-high. What you meant is that the all time high was 470% of the current price. This casual usage of the perc...
by ResearchMed
Sun Mar 22, 2015 8:47 am
 
Forum: Investing - Theory, News & General
Topic: VGPMX [Vanguard Precious Metals And Mining Fund]
Replies: 24
Views: 2352

Re: External Hard Drive?

I use two external hard drives. The primary drive is always connected to my system. I back up my data files data daily and the entire system monthly on it. The secondary drive is portable, and I do another monthly backup on it. I add in a cloud backup (Carbonite). Carbonite runs in the background a...
by ResearchMed
Sun Mar 22, 2015 8:41 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2319

Re: The one area I disagree with Jack

I agree with the few folks in this thread that brought up that one can't rebalance funds from SS/pensions into equities in a down market. I don't quite get this. Couldn't a person receiving SS use any excess money not needed for expenses to rebalance (i.e. contribute to whatever part of their portf...
by ResearchMed
Sun Mar 22, 2015 7:42 am
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7321

Re: Should I get more aggressive with Taxable?

My wife & I have long dreamed of retiring early, or at least departing our jobs and doing "something else." We both hate our jobs and the area we live in, but due to the presence of family and solid salaries, plus kids, we decided to remain here for a time and "milk the cow"...
by ResearchMed
Sat Mar 21, 2015 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I get more aggressive with Taxable?
Replies: 7
Views: 1093

Re: The one area I disagree with Jack

We'd consider the "present value" of Social Security (or gross approximation thereof, with some underestimating built in) for purposes of figuring "net worth" from a retirement perspective. But we'll be starting to include a bit of the increasing equity in our home, too. (We didn...
by ResearchMed
Sat Mar 21, 2015 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7321

Re: Hyped? Growth of 401(k) vs. Roth vs. Regular post-tax ac

Here is one flaw, or a flaw for those in different tax brackets: "7) Pre-tax 401(k) gets the full contribution amount. The others only get 70% contributed b/c of post-tax ( using 30% tax bracke t)" This changes dramatically for those in very high tax brackets, *if* they expect to be in [mu...
by ResearchMed
Sat Mar 21, 2015 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Hyped? Growth of 401(k) vs. Roth vs. Regular post-tax acct.
Replies: 9
Views: 1005

Re: Buying a house: which scenario is better?

Buying the house yourself is one option you've given. The other is "Buy the house with a woman, split the mortgage/down payment 50/50, I own 50% of the house". Is there something presumably peculiar about purchasing a home with a woman that wouldn't occur with a man, or a more general &quo...
by ResearchMed
Fri Mar 20, 2015 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a house: which scenario is better?
Replies: 9
Views: 1088

Re: "Financial Simplicity: What is Your Time Worth?"

This seemed at first a bit "anti-BH", but it does "fit" us. I've only recently learned "not to sweat the small stuff", like if we don't get "all the points we could get, all the time". :shock: It is indeed "what is your time worth" - and also the str...
by ResearchMed
Fri Mar 20, 2015 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3552

Re: 401k, moving to a different state mid-year

I'm currently working in NH, and will be moving to a new job in MA in the summer with a slightly higher salary. I'm putting in monthly contributions to my 401k that would max it out by the end of the year. However, since NH has no state tax and I'm earning less now, I was thinking of cutting down m...
by ResearchMed
Thu Mar 19, 2015 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k, moving to a different state mid-year
Replies: 1
Views: 183
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