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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: Investing - Help with Personal Investments
Topic: Live Now, Live Later?
Replies: 27
Views: 2109

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: 234

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: 35
Views: 2140

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: 3552

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: 296

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: 296

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: 296

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: 296

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: 3838

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: 1772

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: 2436

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: 1186

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: 1537

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: 2509

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: 9187

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: 2509

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: 15962

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: 429

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: 25
Views: 1078

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: 25
Views: 1078

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: 25
Views: 1078

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: 2978

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: 2978

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: 1544

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: 25
Views: 1078

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: 25
Views: 1078

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: 25
Views: 1078

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: 25
Views: 1078

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: 385

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: 468

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: 1271

Re: The Unthinkable Disaster: What If Your Account Disappear

Interesting that this was BoA. Last week, in our small business account, we transferred $X from the checking to the savings (because there are checks out there, etc.). The teller took the check that we had written, planning to withdraw and re-deposit into the savings account. Teller then said the t...
by ResearchMed
Sun Apr 06, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Unthinkable Disaster: What If Your Account Disappeared?
Replies: 43
Views: 4404

Re: The Unthinkable Disaster: What If Your Account Disappear

I had a bank account "disappear" in a sense: Bank of America took a large deposit and mistakenly marked it as a withdrawal. It put the account in the deep red for 3 weeks until BoA could figure out their own mistake. All checks bounced. All auto bill pays bounced. All direct deposits of p...
by ResearchMed
Sun Apr 06, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Unthinkable Disaster: What If Your Account Disappeared?
Replies: 43
Views: 4404

Re: Unexpected dental bill

The first thing to check is that the codes submitted actually matched all of the procedures done. This is a good point. But I'm not sure how a patient would know the correct codes when it's hard for a doctor's office who does this every day to figure out the correct codes. We spend thousands of dol...
by ResearchMed
Sat Apr 05, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unexpected dental bill
Replies: 22
Views: 2210

Re: somoene filed a return with my spouses SSN?

This is another excellent reason to adjust your withholding so you don't get a refund. JW I don't think that makes a difference since the fraudster can just fudge the numbers to give big returns. It's too bad the IRS isn't cracking down on this more. No difference to the fraudster, but it certainly...
by ResearchMed
Sat Apr 05, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: somoene filed a return with my spouses SSN?
Replies: 22
Views: 1758

Re: Acronis or such, instead of/plus Carbonite/Backblaze, et

Thanks. Will Acronis backup the entire drive, software and all? And then it could be downloaded to the repaired computer? Could it be downloaded to a NEW computer, or would there be anti-piracy concerns such that the computer ID's don't match, and it couldn't be downloaded to a different physical co...
by ResearchMed
Sat Apr 05, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Acronis or such, instead of/plus Carbonite/Backblaze, etc.?
Replies: 7
Views: 460

Acronis or such, instead of/plus Carbonite/Backblaze, etc.?

Well... having recently inquired here (Bogleheads.org) about Backblaze, we got it. And we already had Carbonite, but one can't be tooooo careful, right? And 3 days ago, computer croaked. Geek Squad now has it's heart and soul and skeleton, and the system itself is being restored, but sans files and ...
by ResearchMed
Sat Apr 05, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Acronis or such, instead of/plus Carbonite/Backblaze, etc.?
Replies: 7
Views: 460

Re: somoene filed a return with my spouses SSN?

Can one get a PIN pro-actively *before* any tax identity theft actually takes place, or does IRS just issue those after the fact?

RM
by ResearchMed
Sat Apr 05, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: somoene filed a return with my spouses SSN?
Replies: 22
Views: 1758

Re: Unexpected dental bill

The first thing to check is that the codes submitted actually matched all of the procedures done. Another thing to check, given this involved a tooth extraction, is that part of it shouldn't be covered by the medical insurance (not dental), as a surgical procedure. We've had that happen, and involve...
by ResearchMed
Fri Apr 04, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unexpected dental bill
Replies: 22
Views: 2210

Re: single premium deferred annuity

We've thought about this, and also about SPIA's, given how expensive the (apparently few) inflation-adjusted SPIA's are. Have you thought about putting a bit less into that first SPDA (is that a correct abbreviation?) that doesn't have any inflation adjustment, and then purchase a few more, starting...
by ResearchMed
Thu Apr 03, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: single premium deferred annuity
Replies: 4
Views: 586

Re: Anyone driving an older Volvo XC70?

I've had Volvo's since the mid '60's (with one time out for a lemon of a Saab - huge mistake). I've often wished I could have a duplicate of that 240 series wagon, with the manual choke, and simple controls (but of course, far fewer safety features, so I wouldn't really want one...). We've had a XC9...
by ResearchMed
Mon Mar 31, 2014 10:58 pm
 
Forum: Personal Consumer Issues
Topic: Anyone driving an older Volvo XC70?
Replies: 4
Views: 373

Re: BH Vacations

I think the key point in vacation planning SHOULD BE to identify at least some of the activities you expect to do first. In a new foreign country, it might be mainly exploration of several cities and areas. But if you're doing a ski vacation, for instance, then you have to buy into the cost of the ...
by ResearchMed
Mon Mar 31, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3186

Re: BH Vacations

I think the key point in vacation planning SHOULD BE to identify at least some of the activities you expect to do first. In a new foreign country, it might be mainly exploration of several cities and areas. But if you're doing a ski vacation, for instance, then you have to buy into the cost of the ...
by ResearchMed
Mon Mar 31, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3186

Re: BH Vacations

This frugality thing seems to have overtaken BH to the point where a BH vacation is regarded as an inexpensive one. How about the thought that living wisely (LBYM, invest wisely, stay the course, etc.) has allowed us to take some wonderful but expensive (i.e., 5-digit) vacations (Galapagos, South A...
by ResearchMed
Sun Mar 30, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3186

Re: BH Vacations

I usually get invited to give a lecture somewhere so that all airfare is paid for plus a few days of hotel. Then I just add on some days for personal time. If my family has time and wants to come, then I use frequent flyer miles for them. ^ Yes, this too! For lectures or consulting. (But this wasn'...
by ResearchMed
Sat Mar 29, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3186

Re: BH Vacations

How old are you? I think a lot of this depends upon one's age, and also the usually-related amount of retirement savings one has accumulated (also whether one still is saving for a down payment for a home, or has a comfortably affordable mortgage already, etc.). Early on, we took the children on bac...
by ResearchMed
Sat Mar 29, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3186

Re: Moving to HCOL (Net Income Paycut)? [High Cost of Living

Two questions first: Is the new job one that you really prefer, and is it likely to make you happier (job satisfaction, type of work, colleagues, chance of advancement, etc.) than your current job? Is the new HCOL area a place you *want* to be? In addition to new COL (Cost of Living), there is also ...
by ResearchMed
Sat Mar 29, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving to HCOL (Net Income Paycut)? [High Cost of Living]
Replies: 14
Views: 1078

Re: "Protecting Your Portfolio From Old Age"

This can't really be separated from "Protecting Your Body From Old Age", can it? We figure at such a point that we can't figure out how to pay bills or find our way to the ATM or log on to the computer (okay, not that bad, maybe), we'll also be requiring considerable medical care or at lea...
by ResearchMed
Sat Mar 29, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: "Protecting Your Portfolio From Old Age"
Replies: 19
Views: 2161

Re: Cloud storage advice?

I use Google Drive, and I just transitioned to a Windows 8 machine last week. The process was completely seamless, as Google Drive simple synchronized my new computer to be up-to-date with the files current stored on Google's servers. I have no idea what could be causing your tech issues. Edit: And...
by ResearchMed
Sat Mar 29, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Cloud storage advice?
Replies: 22
Views: 1903

Re: We Don't want to die with Money

Call_Me_Op wrote:I'm confused. OP says she wants to spend all of their money but yet wants to leave an estate. I don't see a problem here. Spend what you want to spend and the rest will be left to heirs.


OP wrote "... We do not intend to leave an estate..."

RM
by ResearchMed
Wed Mar 26, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3748
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