Search found 2697 matches

by ResearchMed
Sun Aug 02, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Wait... What? [IRA and taxation]
Replies: 30
Views: 3664

Re: Wait... What? [IRA and taxation]

I think that people on this board are a often a unrealistic about thinking that they will have high retirement income that forces them into a higher tax bracket then. I am one of those people and I think I am justified -- by RMDs. My RMDs will be enough to push me into the next bracket. To me, an R...
by ResearchMed
Sat Aug 01, 2015 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 66
Views: 6104

Re: Keep paying the mortgage??

AZAttorney11 wrote:Why is the OP allowed to delete his posts? It has destroyed this topic.


Perhaps because there might be legal action?

I think that deletion - perhaps of an entire thread - was once suggested/done some time ago (not the same OP).

RM
by ResearchMed
Sat Aug 01, 2015 3:38 pm
Forum: Personal Consumer Issues
Topic: AAA Plus worth it?
Replies: 24
Views: 1178

Re: AAA Plus worth it?

Time to renew my AAA membership. I have had AAA Plus for the past 10 years. My commute have been 30+ miles one-way. While I have used the service, I haven't used the towing which is primarily the reason I got the Plus vs. Basic. 100 miles of towing vs 5 miles. Should I keep the Plus? Difference is ...
by ResearchMed
Sat Aug 01, 2015 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: SS Question
Replies: 6
Views: 587

Re: SS Question

Withdrawing SS at 62, the 2015 income limit is $15,720 before having SS deducted. Does that include money earned by spouse too? IOW, if spouse makes $50K, I make $0, is my SS income deducted? Thank you folks in advance. Are you planning to file jointly, or as married filing separately? And have you...
by ResearchMed
Sat Aug 01, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 72
Views: 3784

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

To make you feel better, here is our daily food budget for two adults: Breakfast: $5 (coffee + croissants at home) Lunch: $15 (restaurant) Afternoon coffees: $5 (Starbucks) Dinner: $40 (restaurant, includes 1 alcoholic drink) Total: $65/day or about $2K/month Preach it brother. By myself, I am arou...
by ResearchMed
Sat Aug 01, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Chargeback on a Prepaid Visa Card for a $20 Locker Rental at a Water Park
Replies: 23
Views: 1543

Re: Chargeback on a Prepaid Visa Card for a $20 Locker Rental at a Water Park

The system "worked" in that BOTH Amex and WalMart "caught" a middle-of-the night fraudulent attempt to buy and pickup the next morning a new fancy iPad, totally across the country from where I was sleeping. SNIP.... there was a second email telling "me" that "Sorr...
by ResearchMed
Sat Aug 01, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Chargeback on a Prepaid Visa Card for a $20 Locker Rental at a Water Park
Replies: 23
Views: 1543

Re: Chargeback on a Prepaid Visa Card for a $20 Locker Rental at a Water Park

The system "worked" in that BOTH Amex and WalMart "caught" a middle-of-the night fraudulent attempt to buy and pickup the next morning a new fancy iPad, totally across the country from where I was sleeping. SNIP.... there was a second email telling "me" that "Sorr...
by ResearchMed
Sat Aug 01, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Chargeback on a Prepaid Visa Card for a $20 Locker Rental at a Water Park
Replies: 23
Views: 1543

Re: Chargeback on a Prepaid Visa Card for a $20 Locker Rental at a Water Park

I agree with ResearchMed about AMEX being easy to work with, but I had an experience earlier this week with my Priceline Visa card that leads me to believe a lot of other cards are catching up. I noticed my card had a charge of $79.50 I didn't recognize. I called in and notified the CSR of my not r...
by ResearchMed
Sat Aug 01, 2015 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Portfolio mgr says only 38% gains instead of 68%?!
Replies: 4
Views: 777

Re: Portfolio mgr says only 38% gains instead of 68%?!

bought $50k worth of prhsx (healthcare fund) in 2013 in a non-tax advantaged acct. (ie: after tax $) I have not added/sold since then. It's now worth 84k. (84-50)/50 = 68% I'm using Morningstar's portfolio manager. (portfolio.morningstar.com) it says I only have 38% unrealized gains since purchase....
by ResearchMed
Sat Aug 01, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Chargeback on a Prepaid Visa Card for a $20 Locker Rental at a Water Park
Replies: 23
Views: 1543

Re: Chargeback on a Prepaid Visa Card for a $20 Locker Rental at a Water Park

I would say you are expending way to much time and energy over $20 but honestly I would be the same way. It's the principal that you already overpaid once for a locker and they owe you that $20 back. My suggestion would be to write a letter (not an email) to the head person at the water park explai...
by ResearchMed
Fri Jul 31, 2015 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Surprisingly positive experience filing for SS online
Replies: 9
Views: 718

Re: Surprisingly positive experience filing for SS online

We both had a remarkably positive experience filing online also. This was quite a surprise, I should add, since for both of us (?!), when we had previously tried to create/access an online SS account, we could not. After much too much time, we finally found out (first me, and then, astonishingly, DH...
by ResearchMed
Fri Jul 31, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: What to do with very small 401k from previous employer
Replies: 27
Views: 879

Re: What to do with very small 401k from previous employer

I just checked and I have $1500 left that I can contribute for 2015. Talk about close. As I said before, rollovers and conversions have nothing to do with your IRA contribution limits. You can convert this amount and still contribute the full $5500 to your Roth IRA. Again I missed that amid all the...
by ResearchMed
Fri Jul 31, 2015 10:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard TR funds hold investor class shares?
Replies: 11
Views: 672

Re: Why Vanguard TR funds hold investor class shares

. Why Vanguard uses investor shares for some of the funds (they actually use an institutional fund for Total Bond Fund) in their retail Target Retirement funds : 1. The TR funds have a $1000 minimum which means the potential for small accounts and since they are fund of funds they are not allowed t...
by ResearchMed
Fri Jul 31, 2015 9:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard TR funds hold investor class shares?
Replies: 11
Views: 672

Re: Vanguard TR funds hold investor class shares?

Our large-employer 403b plan has "Investor" share class for the "core" Total Stock/International/Bond funds, and not Institutional. I can't figure that out, either. Because we are required to keep a minimum of 5% in the "core" part of the account, there is no way to get...
by ResearchMed
Fri Jul 31, 2015 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Social security
Replies: 7
Views: 627

Re: Social security

One advantage of the File and Suspend approach is you can at anytime file for benefits back to age 66. If say at age 69, your long term health outlook doesn't look so good, you could file for those 3 years of benefits retroactively. Of course they would be paid at your age 66 "rate" + any...
by ResearchMed
Fri Jul 31, 2015 9:01 am
Forum: Investing - Help with Personal Investments
Topic: What to do with very small 401k from previous employer
Replies: 27
Views: 879

Re: What to do with very small 401k from previous employer

I had not been contributing to my last employer's 401K plan but recently found out that I have a small 401K vested balance $1435 due to their profit sharing plan. I have no 401K at current employer to roll it into. I'm under 59.5 and tax bracket of 25% I know that I can't roll it directly into my R...
by ResearchMed
Fri Jul 31, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Hit with $10k tax bill from 2013, given 3 weeks to pay
Replies: 23
Views: 3033

Re: Hit with $10k tax bill from 2013, given 3 weeks to pay

Did you enter the 20K withholding anywhere on your tax return? I.e. Which line on Form 1040 Pg 2, is it included? What kind of official tax form (1099-B, W2, etc) did you get that shows the withholding? The RSU withholding is not on my 1040 - I think that's the root cause here. I got from etrade: -...
by ResearchMed
Fri Jul 31, 2015 3:02 am
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 66
Views: 6104

Re: Keep paying the mortgage??

Here is the other issue: Make sure the entity that inspected your house is not also in the repair /remediation business, or closely affiliated with such a business. You want a totally independent inspector that does no referrals to any contractor who "can handle it for you." If your inspe...
by ResearchMed
Thu Jul 30, 2015 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with low raise
Replies: 67
Views: 4676

Re: Frustrated with low raise

awval999 wrote:Just don't work as hard. That's what I do. And leave on time.


This could backfire.

Suddenly, you might be perceived as an under-performer, and who knows what happens next...

Let your switch to a new job, if needed, be on *your* time schedule, not theirs.

RM
by ResearchMed
Thu Jul 30, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: Owned a bank owned property & previous owned item
Replies: 10
Views: 712

Re: Owned a bank owned property & previous owned item

I would give it back if it is something you don't really care about. Just put it out by the street and tell him to come get it. There is no reason to get crosswise with someone who KNOWS WHERE YOU LIVE and my have not much to lose at this point if his life has fallen apart. Unfortunately, in this d...
by ResearchMed
Thu Jul 30, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: Fed UP With Fed Ex
Replies: 23
Views: 1847

Re: Fed UP With Fed Ex

......Leaving an obviously leaking - and smelly? - parcel? That's a new level of "delivery service", that's for sure. I'd contact FedEx corporate on that one, with the date and approx. time, and the tracking number, so they can determine which of their fine delivery folks provided this pa...
by ResearchMed
Thu Jul 30, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Chip and pin credit cards?
Replies: 15
Views: 1146

Re: Chip and pin credit cards?

Capitalone sent me a new Quicksilver (1.5%) card. but the old one doesn't expire till 2018. I noticed the new one has a chip in it. Is there any point for Capital One to do this? I can understand if my credit card was expiring and they had to send me a new card anyway. but 3 yrs early? currently, a...
by ResearchMed
Thu Jul 30, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 52
Views: 3986

Re: Priorities

My wife and I had always dreamed of retiring someday to a big lake house with a boat and a couple of jetskis. Two years ago, a good friend of hers from high school felt sick, went to the doctor, they found Stage IV cancer and she was dead 10 weeks later. She was 52, and in excellent health (other t...
by ResearchMed
Thu Jul 30, 2015 1:47 pm
Forum: Personal Consumer Issues
Topic: Fed UP With Fed Ex
Replies: 23
Views: 1847

Re: Fed UP With Fed Ex

Pet food direct w/UPS shipments always arrived in perfect condition in my experience. Lots of Fancy Feast cans. Never had a problem once. That is my point exactly ! UPS has a way better record on damaged shipments than FedEx. btw, PetFooddirect is of no help to me. Their prices are way, way higher ...
by ResearchMed
Thu Jul 30, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: look for car suggestions
Replies: 40
Views: 2077

Re: look for car suggestions

With your budget I would consider leasing: Don't have to worry about expensive maintenance on a vehicle after warranty Don't have to worry about selling it No worries about depreciation You can afford to lease a more expensive vehicle than you can buy You can drive a brand new vehicle every 3 years...
by ResearchMed
Thu Jul 30, 2015 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 52
Views: 3986

Re: Priorities

Protagonist - SO glad you are okay! Close call... too close. Tales like these simply reinforce the decision we made about 2 years ago, that "it's time" to start spending and *enjoying*, rather than working and saving even more. DH is (we hope) healthy and exercises regularly (we both do) -...
by ResearchMed
Thu Jul 30, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 66
Views: 6104

Re: Keep paying the mortgage??

In some states it's illegal for an agent to act as a dual-agent (as he did in your case) while being a principal in the transaction (i.e., the seller or buyer). This may give you a way to void the purchase contract. Regardless, you should hire an attorney (and not the one who helped with your purch...
by ResearchMed
Thu Jul 30, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: look for car suggestions
Replies: 40
Views: 2077

Re: look for car suggestions

How much snow are we talking? 6 inches, pretty much any awd vehicle properly equipped with good snow tires. 24 inches? You need 4 wheels pulling and as much ground clearance as you can stand which means tall tires and a vehicle designed not to drag underneath. I also don't know what kind of snow th...
by ResearchMed
Thu Jul 30, 2015 8:57 am
Forum: Personal Consumer Issues
Topic: look for car suggestions
Replies: 40
Views: 2077

Re: look for car suggestions

In your price range I'd be looking at the Lexus LX, GX, a Range Rover, or Land Rover. I also hate cars dressed up to look like SUV's. Hadn't looked at the Rovers. I guess I thought they were far more $$. Thanks. We'll check on that. A bigger factor than ever before is the seat and overall car "...
by ResearchMed
Thu Jul 30, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: look for car suggestions
Replies: 40
Views: 2077

Re: look for car suggestions

On the low end, look at the Subaru Outback 3.6 - I was really impressed with the fit and finish, and safety tech available. Loaded for about 37K On the high end, look at the Merc E63 AMG wagon. A beast. You are looking at the low 100's there. You don't need the 3.6 version of the Outback which is a...
by ResearchMed
Wed Jul 29, 2015 5:53 pm
Forum: Personal Consumer Issues
Topic: look for car suggestions
Replies: 40
Views: 2077

Re: look for car suggestions

We are probably going to get the "new, improved" Volvo XC90. We had been reading about the new model for some time, and a couple of weeks ago, started with test driving it, plus some similar SUV's, and also the smaller Subaru Outback (which we rent when we are in the Cascades in the winter...
by ResearchMed
Wed Jul 29, 2015 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 66
Views: 6104

Re: Keep paying the mortgage??

Who actually did the work? The "Agent" was also the owner, correct? So either the Agent/owner did the work or had some contractors, or he hired someone as a sort of general contractor who had the work done. Either way, the Agent was the owner, which probably gives a different level of resp...
by ResearchMed
Wed Jul 29, 2015 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Independent Contractor (IC) vs. Regular Employee (RE)
Replies: 11
Views: 739

Re: Independent Contractor (IC) vs. Regular Employee (RE)

Aside from the technicalities of whether the job description (and the job itself) fits the IC or RE category, one huge factor that previous existed doesn't quite anymore. In the past, RE status usually gave one automatic inclusion health care coverage, without needing to be "insurable". On...
by ResearchMed
Wed Jul 29, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Actual car leasing experiences ? (esp Volvo?)
Replies: 5
Views: 625

Actual car leasing experiences ? (esp Volvo?)

As mentioned previously, we are finally getting another car. We've decided not to keep cars 10-15 years anymore, because of the continuing upgraded safety features, and this decision is NOT negotiable, so please don't comment with opinions or facts about keeping cars a long time, or not. We rather n...
by ResearchMed
Wed Jul 29, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Question on beneficiaries
Replies: 12
Views: 806

Re: Question on beneficiaries

Thanks to all for the advice. I understand that I need to do nothing now. When one of us dies, prior to remarrying we would need to change the beneficiaries. How does this help you if *you* are the first to pass? Isn't this the first step to what - potentially - you fear could happen? Your wife rem...
by ResearchMed
Tue Jul 28, 2015 10:21 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6145

Re: wife got in wreck with Honda CRV - no collison coverage

Though I agree this lady seems a bit more accident prone than she should be, I'm also intrigued by the sanctimonious attitude of the rest of us here. If you've never been in one of these accidents, that just means you've never been in one. If these things didn't happen, then good drivers would not ...
by ResearchMed
Tue Jul 28, 2015 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 66
Views: 6104

Re: Keep paying the mortgage??

Hi.. Thanks for all the replies. Per the attorney, the trick is proving that the seller himself knew about the mold. He will likely claim as an investor he did not do the work or ever see any mold. Though, the neighbors all report interacting with him numerous times while he was personally doing wo...
by ResearchMed
Tue Jul 28, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 66
Views: 6104

Re: Keep paying the mortgage??

How much of a down payment did you make?

RM
by ResearchMed
Tue Jul 28, 2015 6:00 pm
Forum: Personal Consumer Issues
Topic: Fed UP With Fed Ex
Replies: 23
Views: 1847

Re: Fed UP With Fed Ex

......Leaving an obviously leaking - and smelly? - parcel? That's a new level of "delivery service", that's for sure. I'd contact FedEx corporate on that one, with the date and approx. time, and the tracking number, so they can determine which of their fine delivery folks provided this pa...
by ResearchMed
Tue Jul 28, 2015 5:40 pm
Forum: Personal Consumer Issues
Topic: Fed UP With Fed Ex
Replies: 23
Views: 1847

Re: Fed UP With Fed Ex

We've had a similar problem (and the shipper doesn't matter; it's the packaging!)....... ....we've figured out what the best packaging material/strategy is. When it's done well, no damage anywhere. When it's not done that way, usually the entire shipment is broken or dented and needs to be replaced...
by ResearchMed
Tue Jul 28, 2015 4:38 pm
Forum: Personal Consumer Issues
Topic: Fed UP With Fed Ex
Replies: 23
Views: 1847

Re: Fed UP With Fed Ex

For the 3rd time in less than 3 months I had to call up my cat food & litter supplier and inform them of yet another damaged shipment coming to my home via Fed Ex. (Bag of litter ripped open when the corner of a case of cat food made some high velocity contact. ) The company (chewy dot com) cus...
by ResearchMed
Tue Jul 28, 2015 4:27 pm
Forum: Personal Consumer Issues
Topic: Well water did not pass total coliform bacteria
Replies: 13
Views: 1426

Re: Well water did not pass total coliform bacteria

Hi: I just had a new well put in, it failed the total coliform bacteria (reading 89) the first time, so the well company sent someone to disinfect again with bleach, but it failed again (reading now 18). What else should I do? Thank you. I followed all instructions (leaving bleach in water overnigh...
by ResearchMed
Tue Jul 28, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: When to take Social Security survivor benefit
Replies: 5
Views: 432

Re: When to take Social Security survivor benefit

Hello all, My husband died eleven years ago at age 50, I was 48. Now I am four months away from my 60th birthday which will make me eligible to receive SS survivors benefits. I have not remarried but have chosen to be in a lifelong relationship with a wonderful man. Due to really good planning befo...
by ResearchMed
Tue Jul 28, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6763

Re: Divorce

Thanks for all the great replies and supportive comments. I have some good, and somewhat embarrassing, news. Looks like we have broken through some barrier and resolved the crisis. We were both completely ready to call it quits, the wife was looking for a house to rent, some relative told, etc. Its...
by ResearchMed
Tue Jul 28, 2015 2:00 pm
Forum: Investing - Theory, News & General
Topic: Why do people buy annuities?
Replies: 73
Views: 7811

Re: Why do people buy annuities?

Call it what you want. A 10-15% "payout" is still higher than you can get on your own, unless you have access to some secret magic investment vehicle. Let's try to stay above arguing petty semantics and stick to the ideas. I'm not just calling it what I want, you are. This is not just pet...
by ResearchMed
Tue Jul 28, 2015 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Question on beneficiaries
Replies: 12
Views: 806

Re: Question on beneficiaries

I think you'll need to arrange things so that at Vanguard, the beneficiary/ies is/are your trust or your estate - you'll need to speak with a tax/estate attorney about how to word the Vanguard part, and also how to word the trust/estate part. I doubt that Vanguard's forms will allow something as com...
by ResearchMed
Sun Jul 26, 2015 6:45 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 46
Views: 4378

Re: Can you return food at a restaurant and not have to pay for it?

If there is a food ingredient (major or minor like a spice), it seems that the "right" thing to do is to announce up front, before (or perhaps when) ordering that one has an allergy to "x". It really doesn't seem fair to wait to see IF that ingredient shows up (or is detected by ...
by ResearchMed
Sun Jul 26, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 172
Views: 10615

Re: Would you look down on a co-worker for driving a beater?

I drive a car that is 12 years old with 225K miles on it. It is starting to rust on the bottom and there is noticeable chipped paint in several locations. I drive lots of miles per year and thought I would drive this car into the ground since there is very little trade in or resale value. My co-wor...
by ResearchMed
Sun Jul 26, 2015 10:39 am
Forum: Investing - Theory, News & General
Topic: Edelman -- best days, worst days
Replies: 26
Views: 1968

Re: Edleman -- best days, worst days

It should be obvious that no market timer could capture all the highs and miss all the lows Paul Enter: algorithmic market software equations that take care of that ..(afaik) :| Not likely. People have been trying literally for centuries to predict markets. In the pre-computer era, they used charts...
by ResearchMed
Sun Jul 26, 2015 7:11 am
Forum: Forum Issues and Administration
Topic: Incorrect time on [bogleheads.org home page; 4 hours ahead]
Replies: 6
Views: 543

Re: Incorrect time on forum page; 4 hours ahead

My bogleheads.com page shows recent posts in chronological order. Starting yesterday afternoon the times shown appear as 4 hours ahead, e.g., at 6:57 AM they show as 10:57. If I look at an individual thread and attempt a reply, the correct time is shown. I've looked at my User Control Board Prefere...

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