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Re: "Password Therapy"

If there were ever to be a "passwords to forget" system, this would be one of them :shock:

Seriously, cute idea, but how to remember WHICH self-improvement mottos were chosen, never mind which goes with which website.

EM
by ResearchMed
Wed Sep 17, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: "Password Therapy"
Replies: 3
Views: 182

Re: Vanguard's Website - Bad, or just me?

I have an example. I just got agent authorization for my parents' account at Vanguard. Vanguard told me that I'd be able to see and adjust (buy and sell) their investments from within my account. How cool, I thought. Until I logged in today and found that all of my account summaries, my total asset...
by ResearchMed
Wed Sep 17, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 1937

Re: The boglehead way to buy furniture

Is there a Cort Furniture nearby? This was a total surprise to us, and might be useful, especially if you have small children. (I didn't get "nice" furniture until the children were old enough that they knew what "careful" meant, and *could* behave accordingly. Til then, mostly l...
by ResearchMed
Tue Sep 16, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 36
Views: 2686

Re: Opinion on personal injury status

How much was for directly paid (out of your pocket) and how much was lost wages? The former is non-negotiable. DH went through this 2 yrs ago when a teenager hit him (in the car, thank goodness), and promptly admitted to police that he was "looking in the other direction when [he] floored it&qu...
by ResearchMed
Tue Sep 16, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on personal injury status
Replies: 12
Views: 674

Re: Tiny house movement.

Not a tent but something like this may works http://www.tumbleweedhouses.com/products/whidbey/ Have you added up the dimensions of ground level and loft? This is NOT a 500sqft home. And it's not 1BR, 1BA, as stated at the bottom. Looks to be about 1,000sqft, with 2BR + large loft. Even so, the furn...
by ResearchMed
Tue Sep 16, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 53
Views: 3101

Re: Vacation Home

Sounds like a great idea to me. You can deduct all expenses, taxes, interest, and depreciation. I see tax losses, also deductible. After 20 years when you retire and move into the property as primary residence, might not have to pay capitol gains. The hard part is insurance because it's not owner o...
by ResearchMed
Tue Sep 16, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Home
Replies: 26
Views: 2219

Re: Young Guy, Probably Not Going To Live A Long Time

If you don't want family drama, the most important thing to do is meet with an estate planning attorney and make sure your will/etc are set up properly per your wishes. That is much more important and will net a greater return than any financial product. Great idea. However, I have a very basic wil...
by ResearchMed
Tue Sep 16, 2014 7:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Young Guy, Probably Not Going To Live A Long Time
Replies: 30
Views: 4183

Re: Vacation Home

If you think the property might rent for 6-8 weeks per year, this won't add a lot of money (unless you've got an ultra-luxury property, in which case the rental income would still be a tiny portion of annual costs). If might not be worth it for the small extra. You'd need to pay taxes on the amount ...
by ResearchMed
Mon Sep 15, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Home
Replies: 26
Views: 2219

Re: Meetings over the lunch hour, taboo?

livesoft wrote:...Anyways, I thought you had a knapsack of cash to spend anyways, so why don't you buy lunch instead?


And if that money was invested all these decades, well, add some fine wine, too. :D
And, er, are you still working just to keep your identity hidden still?

RM
by ResearchMed
Mon Sep 15, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 33
Views: 2556

Re: Using 2 yrs of FSA for one procedure?

My understanding is the FSA monies must be used for the year the expense is incurred, and this doesn't count 'payment plans'. (But I could be wrong. We've always use it all up in recent years.) It's still 2014. Can you lump sum fund that FSA account for 2014 now? EDIT: Some FSA's (all?) might allow ...
by ResearchMed
Mon Sep 15, 2014 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using 2 yrs of FSA for one procedure?
Replies: 4
Views: 301

Re: Should I step in to help my in law pay off credit card d

What does your husband say? Ralph This is your husband's mother, right? If he agrees, and this is NOT a pattern MIL has, and you can afford the $3k, then just pay it off. Or, if all three of you would feel better about it, let her pay you a small amount per month, indefinitely. Better than paying c...
by ResearchMed
Mon Sep 15, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I step in to help my in law pay off credit card debt
Replies: 31
Views: 2429

Re: Young Guy, Probably Not Going To Live A Long Time

boro wrote:I am sorry but I recall you posting that you are a few months shy of 70?


He answered this question some time ago - the age 70 question was apparently asked on behalf of his father.
(Obviously not worded well....!)

RM
by ResearchMed
Mon Sep 15, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guy, Probably Not Going To Live A Long Time
Replies: 30
Views: 4183

Re: move, rent or buy a second home?

How do your children feel about going "back home" on weekends, away from school friends - or would it be "TO old friends"? Is this likely to be a problem in the future? How much would a new (or used new) home near the school cost on a monthly basis, compared with costs for curren...
by ResearchMed
Mon Sep 15, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: move, rent or buy a second home?
Replies: 7
Views: 468

Re: Young Guy, Probably Not Going To Live A Long Time

Thank-you. Yes, I've made it clear that none of my belongings or possessions are going to my family. What I own will be sold, and added to the money I have saved to be donated. I saw the grief that money fights caused when my grandma died. Not going to happen here. I'll check into those suggestions...
by ResearchMed
Mon Sep 15, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guy, Probably Not Going To Live A Long Time
Replies: 30
Views: 4183

Re: Travel Insurance for a "trip of a lifetime"

A few emergency medical evacuation stories I am aware of: here and here And, on a more personal note, a relative of mine got an emergency evacuation via medjet a few years back as well. Ah - can you share a few details about the MedJet evacuation? Was it "as advertised" in that the Insure...
by ResearchMed
Fri Sep 12, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Travel Insurance for a "trip of a lifetime"
Replies: 36
Views: 2360

Re: Travel Insurance for a "trip of a lifetime"

We are on Safari in Kruger NP South Africa right now. We use Travelguard as our Medical evacuation insurance. We have an annual policy so it has no exclusions. It also covers 25 K in medical expenses so any hospital or Doctor KNOW they will get paid. Could you share the information about the annual...
by ResearchMed
Thu Sep 04, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Travel Insurance for a "trip of a lifetime"
Replies: 36
Views: 2360

Re: Travel Insurance for a "trip of a lifetime"

... You might also want to check our MedJetAssist for evacuation. This can be purchased annually or per-trip. ... Sounds like a good suggestion, especially if you meant to say "out." :happy PJW Oh, no... WE OWN THE COMPANY.... *** NOT !*** :oops: As they'd say in "Get Smart"... ...
by ResearchMed
Wed Sep 03, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: Travel Insurance for a "trip of a lifetime"
Replies: 36
Views: 2360

Re: Travel Insurance for a "trip of a lifetime"

Thank you all so far for the info! Phineas: "Trip of a lifetime" were my words in the sense that this was a high dollar trip that we won't be planning on taking but once every 10 years or so. We can afford to pay for it if we didn't go, I just know it would sting a little. :) I am looking...
by ResearchMed
Wed Sep 03, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Travel Insurance for a "trip of a lifetime"
Replies: 36
Views: 2360

Re: Travel Insurance for a "trip of a lifetime"

+1 for World Nomads. Well priced and easy to deal with. I've never filed a claim, but friends who have have had good experiences. ("Have have had" is such a cool grammatical construction.) Fun. Try this one: "That that is is that that is not is not is not that so" Couldn't resis...
by ResearchMed
Wed Sep 03, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Travel Insurance for a "trip of a lifetime"
Replies: 36
Views: 2360

Re: Travel Insurance for a "trip of a lifetime"

Strongly urge you to contact Steve (or colleagues) at TripInsuranceStore.com But PHONE them, don't try to sort through the abbreviated info of many plans on their Website: 888.407.3854 (We have no affiliation, but they've helped us with several policies, one of which ended up with a low-5-figure rei...
by ResearchMed
Wed Sep 03, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: Travel Insurance for a "trip of a lifetime"
Replies: 36
Views: 2360

Re: Is a college degree really worth what it costs?

I think this is interesting in terms of understanding the exorbitant costs of college and that it suggests that many would benefit from price shopping between colleges, but it's not a realistic choice for most 18 year olds to invest $233k and be underemployed the rest of their working lives, and I ...
by ResearchMed
Tue Sep 02, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a college degree really worth what it costs?
Replies: 33
Views: 1815

Re: Is a college degree really worth what it costs?

I went to college, then grad school, and ended with a PhD because that was necessary for me to do the work I had dreamed of since childhood (okay, about 7th grade explicitly, but before that, too). I possibly/probably could have earned more (especially for many of those early years) doing something ...
by ResearchMed
Tue Sep 02, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a college degree really worth what it costs?
Replies: 33
Views: 1815

Re: Variable Annuity - Timing of Surrender Charges

Why are surrender charges relevant? They can't take money out until they terminate employment anyway. In the 403b world, can transfer funds to another investment provider sanctioned by the employer, even if employee is under 59.5 and still working for the employer. - DDB Also, in at least *some* 40...
by ResearchMed
Tue Sep 02, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Variable Annuity - Timing of Surrender Charges
Replies: 10
Views: 548

Re: Which generator do you have?

My new neighbor has installed what appears to be one of the standard Home Depot natural gas models, probably Generac. It is as loud as a lawn mower, and there is no practical way to reduce the noise level. His costs will include my hotel bill when he lets it run all night. Won't your hotel possibly...
by ResearchMed
Tue Sep 02, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 7150

Re: Alzheimer's and Prenup

Daisy, You might want to edit the above info so that it is NOT so personally identifiable, just to be cautious. Change the locations, the exact amounts of loans, etc. Don't give exact ages of anyone in the future, etc. There was another thread where there has been considerable speculation about whet...
by ResearchMed
Tue Sep 02, 2014 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's and Prenup
Replies: 20
Views: 2968

Re: Online Security: Are there any sites you do not trust?

You cannot trust any site 100%. Did you see the recent headline about major banks being hacked? Government and corporate systems are constantly under attack. Any organization from your bank to your hospital to the government can have a security breach and leak your information. It is not enough to ...
by ResearchMed
Tue Sep 02, 2014 5:43 am
 
Forum: Personal Consumer Issues
Topic: Online Security: Are there any sites you do not trust?
Replies: 14
Views: 1500

Re: US Trusted traveler programs

According to the online comparison chart, Nexus also includes the TSA pre check for US citizens. Yet, it's $50/5 years whereas the TSA pre check is $85/5 years. Wouldn't the smartest choice be to enroll in Nexus? What am I missing? If someone will be traveling overseas and/or arriving on internatio...
by ResearchMed
Mon Sep 01, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: US Trusted traveler programs
Replies: 12
Views: 902

Re: US Trusted traveler programs

For domestic travel suggest the TSA Pre-Check known traveler number program. The Global Entry good for re entry to US in avoiding long passport/customs lines. I have been advised that my Global Entry number also works for TSA pre check but did not work in last domestic flight so prefer the TSA know...
by ResearchMed
Sun Aug 31, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: US Trusted traveler programs
Replies: 12
Views: 902

Re: Help me evaluate a standby generator quote

Is it natural, forgive the pun, to go with natural gas if available vs propose or diesel? Also, why would one not choose NG? We use NG because we've already got it in the house, and where it enters the house wasn't too far from the electrical panel where we'd have the generator (on the outside of t...
by ResearchMed
Sun Aug 31, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 1920

Re: Do you have class?

Seriously? CC companies hate customers like you. As others have mentioned, they want customers who carry balances and rack up massive interest. They love those customers. Except for the regular Amex cards, because they don't have revolving credit. One pays in full each month; or, one is supposed to...
by ResearchMed
Sun Aug 31, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have class?
Replies: 15
Views: 1606

Re: Do you have class?

I hold 9 major credits which are on a revolving balance, haven't paid a cent of interest for around 10 years, perhaps longer. I sometimes feel the credit card companies just don't know how to deal with clients like me. I feel I have no class, no peers, and definitely am not treated with any special...
by ResearchMed
Sun Aug 31, 2014 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have class?
Replies: 15
Views: 1606

Re: Ideas for thanking a doctor

Yes, it would be nuts to give candy to health professionals :oops: :D How about an assortment of nuts? For sanitary reason, it should have each serving individually wrapped or something to that effect. :D That's a REALLY good idea, especially in a location where there are more likely to be sick peo...
by ResearchMed
Sat Aug 30, 2014 11:44 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 74
Views: 4575

Re: My husband's " WILL", $ left for me to live on....

Ineedadvice50, Do you, by any chance, share your email address with your husband? If so, whenever someone sends you a private message, another message is sent to your (and your husband's) email address. That is a likely way he would know about this topic. (See the upper left corner to see if you ha...
by ResearchMed
Sat Aug 30, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17327

Re: How do you compute RMDS for late retiree?

Please let me know which life expectancy table I use if I retire at 75? Most of the tables I have seen start at 70 and a half. If everything goes according to plan, I will retire at 75. Most of my pre-tax money is in my company's 401K so I don't have to take RMDS. I can't make head or tail of the I...
by ResearchMed
Sat Aug 30, 2014 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you compute RMDS for late retiree?
Replies: 10
Views: 742

Re: Help me evaluate a standby generator quote

We finally had a Generac installed about a year ago now, after thinking and thinking about it. Sandy really caught our attention, of course. What tilted the scale for us was that we depend upon a sump pump to keep the finished garden level from flooding. (And the insurance, even with flood insurance...
by ResearchMed
Sat Aug 30, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 1920

Re: Ideas for thanking a doctor

Yes, it would be nuts to give candy to health professionals :oops: :D How about an assortment of nuts? For sanitary reason, it should have each serving individually wrapped or something to that effect. :D That's a REALLY good idea, especially in a location where there are more likely to be sick peo...
by ResearchMed
Sat Aug 30, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 74
Views: 4575

Re: Ideas for thanking a doctor

Is the doctor in a larger practice or a hospital system where there are "patient ratings" (increasingly common, I think)? You could ask, and if so, ask if he/his office can send you a link, or otherwise help you to find that, so you can post your good experience, give the number ratings, ...
by ResearchMed
Sat Aug 30, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 74
Views: 4575

Re: My husband's " WILL", $ left for me to live on....

I was worried that so much personally identifiable information was provided, in case OP's husband became aware of this. (One could consider using hypothetical ages, numbers/ages of children, length of marriage, etc.) However, it does seem extremely likely that OP's husband did indeed find this on hi...
by ResearchMed
Sat Aug 30, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17327

Re: Ideas for thanking a doctor

Is the doctor in a larger practice or a hospital system where there are "patient ratings" (increasingly common, I think)? You could ask, and if so, ask if he/his office can send you a link, or otherwise help you to find that, so you can post your good experience, give the number ratings, a...
by ResearchMed
Sat Aug 30, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 74
Views: 4575

Re: Help out family without compromising my own retirement?

Thanks everyone for posting replies and expressing support. I don't discuss these issues with other people, so just letting it out here helps. As some suggested, I think I will send a check just enough to help with groceries (I have moved to another town and can't actually bring food to them physic...
by ResearchMed
Fri Aug 29, 2014 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 5601

Re: Should elderly play it safe & risk not having enough or

Right. Though with an annuity, as no one knows which parent will live longer, I suppose you end buying half the annuity in each parents' name. Though even that's risky. I'm pretty sure that when one spouse dies your costs don't drop by 50%. There are annuities that could provide something like 2/3 ...
by ResearchMed
Fri Aug 29, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should elderly play it safe & risk not having enough or no?
Replies: 17
Views: 2005

Re: Probability question

The only reason that the previous two years' "1/12" probability event MIGHT affect the third year is IF there is evidence, once you decide to look into it, etc., that the "1/12" probability wasn't accurate in the first place, or for some reason does in fact change. If he's using ...
by ResearchMed
Fri Aug 29, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Probability question
Replies: 14
Views: 1145

Re: Help out family without compromising my own retirement?

Also, if their circumstances are truly dire, there are public assistance programs available that they might qualify for, depending upon the reasons. "Squandering" wouldn't be one of them, obviously. But if they can't work due to disabilities or something, that would be different. Have you ...
by ResearchMed
Fri Aug 29, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 5601

Re: Help out family without compromising my own retirement?

Hi, I am single with a steady job, save diligently for my own retirement, and live below my means. Unfortunately, my parents and siblings are in poor financial shape. My parents did not prepare for the retirement and my siblings have no steady jobs. They are currently living rent free in my condo w...
by ResearchMed
Fri Aug 29, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 5601

Re: Do Bogleheads worry about institutional risk?

Concur. My only concern is a catastrophic database failure of an extended duration at Vanguard, for this reason I save a soft copy all our statements on external drives and a hard copy in our investment binder, just in case this black swan. Thanks for reading. Our concern is more along these lines,...
by ResearchMed
Thu Aug 28, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 33
Views: 1708

Re: Donald Trump - The Apprentice

Where is the box for "we watched it a bit at first, but no longer"? :wink: As with most TV <junk>, even those that have some interesting and/or novel approach initially... it rapidly deteriorated into forced extra "touches" to [we guess] keep it from getting stale. That seems to ...
by ResearchMed
Thu Aug 28, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1663

Re: Purchasing a bathtub

Wife can't decide between the options: Depth: Soaking or standard material: acrylic or cast iron Type: rectangle or oval faucets: wall mount or roman 5 ft or 6 ft Any and all personal experience/ advice welcomed Thanks for the help JB Is space (length or width) a concern? To get "longer",...
by ResearchMed
Thu Aug 28, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Purchasing a bathtub
Replies: 8
Views: 539

Cell phone plan on cruise - direct experience?

We are leaving on a cruise soon to Bermuda, and on CruiseCritic.com, we keep hearing all sorts of conflicting information about the least expensive way (if there is one) to make or receive cell calls on the ship. This is on Norwegian Cruise Line, in case that matters, which it might. DH seems to hav...
by ResearchMed
Wed Aug 27, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone plan on cruise - direct experience?
Replies: 5
Views: 439

Re: .com rather than .gov, lesson learned

I'm embarrassed. While working "in a zone" i was applying for and EIN # . With lack of mindfulness i did a quick google search and got sucked into a for-fee .com application site, thinking i was on .gov I was awakened from my stupor when it asked for my credit card, at which time i abando...
by ResearchMed
Wed Aug 27, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: .com rather than .gov, lesson learned
Replies: 18
Views: 2481

Re: Family loan implications

My parents loaned about $66,000 to my brother for a business startup. The loan interest rate was around 3% to be paid back over 10 years. He was paying around $630 per month. After 16 months (and about $10,080 of principal/interest) the business didn't work out and my brother has stopped making the...
by ResearchMed
Wed Aug 27, 2014 1:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Family loan implications
Replies: 12
Views: 649
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