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Re: Bauer-Ramazani v. TIAA-CREF settled

Having the accounts at TIAA-CREF still active wouldn't help. I still have the account I got a check in reference to, and it still came to me. I talked to my CPA about the tax status and her assessment was that this would count as an early distribution (i.e., taxed at ordinary income rates plus with...
by ResearchMed
Tue Oct 21, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bauer-Ramazani v. TIAA-CREF settled
Replies: 23
Views: 1809

Re: "You're invited to...." (nonsense talk and dinner)

I'd guess a "sales dinner" to prospective clients is rather different than one for existing relatively high value clients. It was more like some sort of upscale function dinner, with some general and brief information, and some nice glossy brochures to take home. But among other things, we...
by ResearchMed
Tue Oct 21, 2014 3:22 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 48
Views: 2343

Re: "You're invited to...." (nonsense talk and dinner)

I went to two of these, but it was for current clients of a specific trio of "advisors" at MegaBroker. One was at a restaurant that I had REALLY wanted to go to for decades, but never got around to (out in the 'burbs, and I kept forgetting about it). DH didn't want to go, so I asked if I c...
by ResearchMed
Tue Oct 21, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 48
Views: 2343

Re: Multiple Fake "Thank you for your order"?

Memory eating parasites? Maybe that's my problem, why this disturbed me. That must be it! :twisted: RM Hope not. It's the subject line for one of the common message types - ones that are trying to sell Alzheimer's cures. Perhaps the most disgusting type of spam I've seen. Sorry. I didn't realize th...
by ResearchMed
Tue Oct 21, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2129

Re: Multiple Fake "Thank you for your order"?

P.S. Social engineering works. Sure, I have learned to ignore "SEEKING YOUR IMMEDIATE ASSISTANCE" and other familiar phishing. In fact, it occurs to me that another good reason to avoid big banks is that it is easier to ignore emails about my Bank of America account if I don't have a Bank...
by ResearchMed
Tue Oct 21, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2129

Re: Multiple Fake "Thank you for your order"?

Now I suddenly receive similar spam in several fairly independent email accounts at the same time. What's your theory on how this could happen? I'm not Greg, but I hope you don't mind if I respond. I like that you qualify "independent" with "fairly", but it still seems that you'...
by ResearchMed
Tue Oct 21, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2129

Re: coincidence?

davebarnes wrote:As of yesterday, I had received zero of these.
This morning; 30 in my Inbox.
I blame this thread.


I guess my little plot worked!!

RM
by ResearchMed
Tue Oct 21, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2129

Re: Multiple Fake "Thank you for your order"?

I've just received a series of what are obviously fake "order confirmation" emails, each from a different weird return email address, with the "Subject" header being only my email address that was used in the "To" header. These are supposedly for mid 4-figure charges. ...
by ResearchMed
Mon Oct 20, 2014 11:53 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2129

Re: Multiple Fake "Thank you for your order"?

Now I suddenly receive similar spam in several fairly independent email accounts at the same time. What's your theory on how this could happen? I'm not Greg, but I hope you don't mind if I respond. I like that you qualify "independent" with "fairly", but it still seems that you'...
by ResearchMed
Mon Oct 20, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2129

Re: Multiple Fake "Thank you for your order"?

two of my email addresses (one at MegaEmployer, and the other used for personal/small business), on totally different servers. This makes me think that someone who has both of your email addresses did click their link... Right. This is probably it. We get enough of those, but they are usually where...
by ResearchMed
Mon Oct 20, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2129

Re: Multiple Fake "Thank you for your order"?

Thanks. Our guess is malware, not an actual invitation to enter charge card numbers for some supposed purchase. But the first thing we did was to double check charge card activity anyway. We had just replaced all debit cards, and haven't used them again (and won't except at the local branch after ho...
by ResearchMed
Mon Oct 20, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2129

Re: Anyone cancelling travel plans?

Random interesting anecdote: I was actually on the plane, unbeknownst to me at the time, with Mr Duncan from Brussels to DC in September (where he connected to fly to Dallas), while he was apparently not symptomatic. United Airlines emailed us a week or two later to let us know, even though they we...
by ResearchMed
Mon Oct 20, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 5980

Multiple Fake "Thank you for your order"?

I've just received a series of what are obviously fake "order confirmation" emails, each from a different weird return email address, with the "Subject" header being only my email address that was used in the "To" header. These are supposedly for mid 4-figure charges. T...
by ResearchMed
Mon Oct 20, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2129

Re: I feel I did the Right thing , but NOW WHAT?

I got a phone call and I got the part time job I applied for. I was only out of work one week. It's very easy for me to find work. The problem is now childcare again. . For a part time. Which is impossible re editing the post I guess I will I just felt line a lot of people were asking for the whole...
by ResearchMed
Sun Oct 19, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: I feel I did the Right thing , but NOW WHAT?
Replies: 35
Views: 4737

Re: I feel I did the Right thing , but NOW WHAT?

You need to speak with some sort of counselor, in terms of your family, your finances and housing, your husband, your children, and your employment options. Have you checked if there is some legal aid available? How much is the attorney charging you? Fighting charges like this could become quite exp...
by ResearchMed
Sun Oct 19, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: I feel I did the Right thing , but NOW WHAT?
Replies: 35
Views: 4737

Re: POLL: How fulfilling is your retirement?

Can this be changed to allow more than one response?

RM
by ResearchMed
Sun Oct 19, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 2784

Re: The Final, Definitive Thread on Rebalancing

You forgot the person who posted to the wrong thread in error, asking "How can I tell which is more Bogleheaded-ish: Walmart or Costco?"

RM
by ResearchMed
Sat Oct 18, 2014 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 24
Views: 1818

Re: Pimco vs. Jack Bogle on active management of bonds

PIMIX looks very interesting. Thank you for posting. PIMIX is the Institutional class of PONDX. Ordinarily, there is a $100k initial investment required for PIMIX, but at Vanguard, it can be purchased with an initial investment of $25k. PONDX has a slightly higher ER than PIMIX (no surprise), but i...
by ResearchMed
Sat Oct 18, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco vs. Jack Bogle on active management of bonds
Replies: 18
Views: 1946

Re: Vanguard Survey warning

I took the survey without any issues. Or at least I think so :| I'd run a special scan just to be sure. But... I assume there *was* an actual survey, and that it looked to be the kind of thing Vanguard might be wanting to ask? We've had occasional websites "flagged" as suspicious or downr...
by ResearchMed
Sat Oct 18, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Survey warning
Replies: 9
Views: 1328

Re: Mega bus vacation with toddlers.

21 hours, eh? 1.5 and 3 years old? Dear God, have pity on the rest of the folks on the bus and pay more to drive yourselves. Lol. I thought that since we are not driving. We will be available to entertain them. Maybe this is a bad idea. We have a brand new mini van and we do not want to drive aroun...
by ResearchMed
Sat Oct 18, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1877

Re: Mega bus vacation with toddlers.

21 hours, eh? 1.5 and 3 years old? Dear God, have pity on the rest of the folks on the bus and pay more to drive yourselves. Lol. I thought that since we are not driving. We will be available to entertain them. Maybe this is a bad idea. We have a brand new mini van and we do not want to drive aroun...
by ResearchMed
Sat Oct 18, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1877

Re: Cruise to Mexico

We are looking at taking a cruise to Mexico from Los Angles on Princess Cruise Line. The cruise is 10 nights and stops in San Diego, Cabo San Lucas, La Paz, Loreto and Puerto Vallarta Mexico. We haven't been to La Paz or Loreto before so was wondering if anyone has every taken this cruise and has i...
by ResearchMed
Sat Oct 18, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Cruise to Mexico
Replies: 4
Views: 511

Re: 403b deduction glitch

It turned out that they had incorrectly identified my maximum as $23,000 for the year; it's actually $26,000 (catch up + 50+). I noted that it had been $26,000 last year as well and there had been no such problem when I hit $23,000; they didn't really have a reason why it would have arisen this yea...
by ResearchMed
Sat Oct 18, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: 403b deduction glitch
Replies: 11
Views: 591

Re: Anyone cancelling travel plans?

I think so. We were in Dallas 3 weeks ago for the Cowboys - Saints game (Cowboys fan) when the news broke the first US case was confirmed there. I'm going back to Dallas for the Colts game in December. News would have to change significantly from what is going on now to get me to cancel the trip. I...
by ResearchMed
Sat Oct 18, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 5980

Re: 403b deduction glitch

This may or may not be the same issue the OP faced but I had a situation where I had a part-time job that I had arranged to direct 100% of my pay into my 403b, that is, everything except my FICA was going into my 403b. This was working fine until September, when payroll had to manually enter some i...
by ResearchMed
Sat Oct 18, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: 403b deduction glitch
Replies: 11
Views: 591

Re: 403b deduction glitch

This may or may not be the same issue the OP faced but I had a situation where I had a part-time job that I had arranged to direct 100% of my pay into my 403b, that is, everything except my FICA was going into my 403b. This was working fine until September, when payroll had to manually enter some i...
by ResearchMed
Sat Oct 18, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: 403b deduction glitch
Replies: 11
Views: 591

Re: important supreme court case

kenner: I had a question about the Statute of Limitations part. "Even if" it turns out Employer's "decision" of more than 6 years ago "stands" due to this statute, why isn't the same fiduciary concern called into question "now and going forward" (or "at t...
by ResearchMed
Sat Oct 18, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: important supreme court case [on high cost 401k plans]
Replies: 7
Views: 1518

Re: 403b deduction glitch

fposte: When you wrote above " Payroll is looking into it. I think it's going to be complicated to correct, since just adding it to next month looks like it will put me above the maximum to deduct, and I can't just tweak the contributions to compensate on my end because I'm already at the max.&...
by ResearchMed
Sat Oct 18, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: 403b deduction glitch
Replies: 11
Views: 591

Re: Kids & Sports

What activities *does* he enjoy?

This could be something he "sort of does" on his own time, or something he enjoys watching (live or otherwise).

Athletic/physical or otherwise?

RM
by ResearchMed
Fri Oct 17, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 20
Views: 1614

Re: Kids & Sports

Have you asked his pediatrician about whether his muscle tone/coordination are within average bounds, and not just someone who specializes in such problems (or other specific problems/therapies)? And perhaps get a second opinion? It sounds like you are indeed noticing something, and (I AM NOT A PHYS...
by ResearchMed
Fri Oct 17, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 20
Views: 1614

Re: Anybody ever reduce term coverage amount?

Sounds okay as a general strategy, as long as you are thinking about the inflation effects over a couple of decades. One million way in the future won't be the same as it is now. Do either of you have life insurance available through employer that would be a multiple of salary? (And if so, is it por...
by ResearchMed
Fri Oct 17, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody ever reduce term coverage amount?
Replies: 16
Views: 813

Re: Market Slide Percentages?

Speaking of cute, looking at you, are you a Russian Blue? Or just a domestic shorthair? British blue? RM I was going by the green eyes. British Blue eyes are copper color. Myself, I am a Turkish Van. :happy[/quote] Not quite green enough. Ears a bit off? Also a bit chunky for a contemporary Russian...
by ResearchMed
Thu Oct 16, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market Slide Percentages?
Replies: 28
Views: 1855

Re: Market Slide Percentages?

drawpoker wrote:Ha, ha, Zabar. Cute.
Speaking of cute, looking at you, are you a Russian Blue? Or just a domestic shorthair?


British blue?

RM
by ResearchMed
Thu Oct 16, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market Slide Percentages?
Replies: 28
Views: 1855

Re: bath tub

Couple of random thoughts for consideration. 1) If you can manage a little extra width vs the standard tubs, it definitely pays off. Also, eliminating or reducing the ledge on the inner side wall can make whatever you get a little more roomy. 2) The frameless glass looks nice, and doesn't have the ...
by ResearchMed
Thu Oct 16, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: bath tub [replacement]
Replies: 9
Views: 784

Re: bath tub

I'd like to replace the scuzzy one piece bathtub/shower unit in one of my bathrooms with a nicer tub and a tile surround. Not a jacuzzi tub - having heard that sub-$1000 ones are junk and if spending more, maybe just do an outside hot tub. Anyhow, I'm trying to pick out a bathtub. I gather that acr...
by ResearchMed
Thu Oct 16, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: bath tub [replacement]
Replies: 9
Views: 784

Re: Market Slide Percentages?

Who else is tracking their losses in the current slide of the past 6 days? I just did my math, came up with percentage, and wonder how it compares with other bogleheads. Without going into long-winded account I will just say I think I am fairly well-diversified, domestic large cap, small cap, value...
by ResearchMed
Thu Oct 16, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market Slide Percentages?
Replies: 28
Views: 1855

Re: Your personal risk level: Got your flu shot yet?

We had a niece die from the flu last year. She was only in her thirties. Get your shot! That is so very sad. I know it happens (people really do die from "the flu"), but have never known anyone who had to deal with it personally. 30 is so young. We got our flu shots about 10 days ago. We ...
by ResearchMed
Wed Oct 15, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 2949

Re: How to wrap my head around downsizing my home?

seeshells wrote:
<quote DELETED by RM at seeshells request>



OP was asking for assistance with housing suggestions, not a pity party.

What's your goal here with the above two posts, seeshells?

RM
by ResearchMed
Wed Oct 15, 2014 8:10 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3537

Re: How to wrap my head around downsizing my home?

How about speaking briefly with a few real estate agents who handle the areas of Boston Metro you'd consider - and they may have suggestions about the nearby suburbs (Cambridge, Brookline). There may be some newer loft-style condos that might give you the "open feeling" you are used to. An...
by ResearchMed
Wed Oct 15, 2014 7:35 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3537

Re: Roll Over Old TIAA CREF Account?

Keep it. Move everything into the TIAA Real Estate Account (TREA). You'll want to thank me later... Yes, at least look into TREA. That's what we left behind at TIAA-CREF, and we are well over the max allowed for new contributions, so we'll just let that ride :happy But do read up a bit about it, as...
by ResearchMed
Wed Oct 15, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll Over Old TIAA CREF Account?
Replies: 15
Views: 764

Re: Roll Over Old TIAA CREF Account?

My wife has a TIAA CREF retirement account from when she worked at a college 10 or 12 years ago. It's her account and there's not much in it. I'm tempted to suggest that she just roll it over into a VG IRA account. She's holding the CREF Equity Index, Stock, and Growth funds and the TIAA Traditiona...
by ResearchMed
Wed Oct 15, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll Over Old TIAA CREF Account?
Replies: 15
Views: 764

Re: The Role of Life Expectancy

I'm 64 and retired. I use life expectancy with a grain of salt. We've recently seen some friends die or get seriously ill lately and am starting to feel that I really want to live now and not worry so much about 85 or 90 which may not come or be any fun anyway. šŸ™ We are a bit older, but of a simila...
by ResearchMed
Wed Oct 15, 2014 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: The Role of Life Expectancy
Replies: 25
Views: 1650

Re: Bauer-Ramazani v. TIAA-CREF settled

On further thought, I realize that I have not had to worry about transfer processing delays (which I have experienced at a variety of custodians over the years, though it does seem TIAA-CREF is the most dilatory) because my general practice is 1) whenever possible request that asset transfers be do...
by ResearchMed
Wed Oct 15, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Bauer-Ramazani v. TIAA-CREF settled
Replies: 23
Views: 1809

Re: Ebola preparation

I'm sorry, but I frankly think the various organizations like the CDC, WHO, etc that have spoken out about this just do not know as much about Ebola as they would like people to think. Exactly how contagious is this thing? Right now it seems like it's harder to get than Flu but easier to get than A...
by ResearchMed
Tue Oct 14, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2224

Re: Buy a new car, or fix the old one?

I plan on upgrading my car every 10-15 years mostly motivated by safety innovations. I would look at what additional safety you would get out of a new car vs keeping the 12 year old one. Is this really something to be concerned about (I'm asking non-sarcastically)? I've seen a few other posters wit...
by ResearchMed
Tue Oct 14, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 2928

Re: Sale of house-closing tomorrow, buyer is backing out

For those mentioning low numbers for earnest money - are you possibly thinking of the deposit with offer? In our area, it's typical to deposit $1000 with the offer (cashed only if accepted) and no less than 5% earnest money with P&S. The sellers of the house we bought wanted 10%, which our RE a...
by ResearchMed
Mon Oct 13, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5055

Re: Sale of house-closing tomorrow, buyer is backing out

We've always asked for extra earnest money, to protect us from this exact scenario. It may not "encourage" the buyer to go through with the purchase (the ideal outcome), but it will allow enough of a reduction in asking price to help get another buyer quickly (one can always hope). But dif...
by ResearchMed
Mon Oct 13, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5055

Re: Another real estate question/selling Manhattan coop

The COI may have only just started. If the Realtor gets the listing yanked and given to another agent, but the first is on the Coop Board... yikes! Not a good situation. Is it possible in the area (or conventional ever) to have a dual listing [not sure this is the correct term]? I've seen these, but...
by ResearchMed
Mon Oct 13, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Another real estate question/selling Manhattan coop
Replies: 4
Views: 428

Re: Avoid logging into brokerage account

From the time I took over the investments (DH has zero interest in any of this; at this point, he's still earning it, I'm investing it, and we are both starting to enjoy spending it on long-overdue travel), I watched things very carefully, daily, and even "the markets" throughout the day o...
by ResearchMed
Mon Oct 13, 2014 7:47 am
 
Forum: Investing - Theory, News & General
Topic: Avoid logging into brokerage account
Replies: 17
Views: 1696

Re: Credit Cards and History

Games, games, games... Your credit score is based on your ability to borrow, borrow, borrow, borrow, ... and payback. Do you want a "good credit future" or a "good future"? If you want a good future, I would recommend you don't borrow and don't play the games the banks and FICO ...
by ResearchMed
Sun Oct 12, 2014 7:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Cards and History
Replies: 8
Views: 1176
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