Search found 2414 matches

Go to advanced search

by ResearchMed
Mon May 04, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 20
Views: 541

Re: 400lbs, delivery or pick up?

jebmke: See my avatar... he's 1 of 6... :) … his name is Krumm (those are not his real teeth!). I luvs your avatar. :D ResearchMed: I have not signed up for notifications. Tho calling the local UPS might actually be a good idea, maybe even a conf call with the shipper (in this example chewy.com)......
by ResearchMed
Mon May 04, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: Car Insurance Claim Question
Replies: 2
Views: 49

Re: Car Insurance Claim Question

We had a minor accident in our driveway this weekend in which one car scraped the other. The repair estimate is about $1,300. My wife called the insurance company and they said that our deductible is $500. Should we file the claim and get our $800 or will we end up paying more in the long run in hi...
by ResearchMed
Mon May 04, 2015 5:50 pm
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 20
Views: 541

Re: 400lbs, delivery or pick up?

Have you signed up for delivery notifications from UPS (or FedEx/etc.)? That way, you could also coordinate with Dispatch, to make sure that you are home, if there is something that needs to come inside. (Not sure that you'd want 400# of cat litter sitting in the rain, for example...) We haven't wor...
by ResearchMed
Mon May 04, 2015 4:37 pm
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 20
Views: 541

Re: 400lbs, delivery or pick up?

My guilty conscience is strong... but how strong... or how much value should I give it? I want to purchase 400 lbs of cat litter. I can order and pick up at the store, which means the folks who are loading, hauling, and unloading are dealing with all sorts of heavy stuff other than my kitties' pee ...
by ResearchMed
Mon May 04, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Power of attorney
Replies: 49
Views: 1601

Re: Power of attorney

I would note that Pennsylvania changed their statute in 2014 and mandates acceptance of poa including out of state POA. http://www.legis.state.pa.us/cfdocs/legis/li/uconsCheck.cfm?yr=2014&sessInd=0&act=95 5608.1. Liability for refusal to accept power of attorney. (a) Acceptance required.--E...
by ResearchMed
Fri May 01, 2015 9:26 pm
Forum: Investing - Theory, News & General
Topic: Annuities: Bad in principle or practice?
Replies: 75
Views: 3683

Re: Annuities: Bad in principle or practice?

At current interest immediate fixed annuities are primarily insurance against living to long. For example I read that at age 70 you can get $2000 permonth (with nothing to your heirs if you die for $314,000. Clearly that has zero value unless you live 16+ years which is slightly more than median li...
by ResearchMed
Fri May 01, 2015 3:58 pm
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 59
Views: 3609

Re: Oh yuck, what just happened to the font?

Yep, broken here too on both my desktop browser (IE 11 on Win 8.1) and phone browser (IE on Win phone 8.1) for the bogleheads.org web site. It wasn't doing this at 11 am PDT on the desktop. Some place after about that time the fonts became smaller and pushed together. It's very hard to read. It's h...
by ResearchMed
Fri May 01, 2015 3:51 pm
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 59
Views: 3609

Re: Oh yuck, what just happened to the font?

It was temporary, thank goodness, although I don't know what 'it' was.

It looked the same (and not pleasant) in several different browsers.

Any explanations?

RM
by ResearchMed
Fri May 01, 2015 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 38
Views: 4885

Re: House Next Door for Sale...Kind Of: Ethics Issue?

Can anyone explain why you would have a for sale sign but not be interested selling the house? What do you think is unethical? It just seems like a crappy business practice. The only thing I can think of is that he is trying to do something to cut out his agency but that seems like a very high risk...
by ResearchMed
Fri May 01, 2015 2:48 pm
Forum: Investing - Theory, News & General
Topic: What do you consider "cash"
Replies: 32
Views: 2052

Re: What do you consider "cash"

Up to now I've thought that CDs are "cash" but reading some of the posts lately I get the impression that they are more in the bond category. Is this correct? If so, I'm not holding as much cash as I thought. Thoughts, comments? I would consider as "cash" anything that isn't sub...
by ResearchMed
Fri May 01, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Better for the long run?
Replies: 11
Views: 755

Re: Better for the long run?

is it better to buy vanguard mutual funds and ETF's with no load fees and low expense rate, or individual stocks with load transaction fees but no expenses, what do you think would owned up costing more over the long run, figuring you buy an individual, or repurchase stock 4 times a year, or just r...
by ResearchMed
Fri May 01, 2015 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Better for the long run?
Replies: 11
Views: 755

Re: Better for the long run?

is it better to buy vanguard mutual funds and ETF's with no load fees and low expense rate, or individual stocks with load transaction fees but no expenses, what do you think would owned up costing more over the long run, figuring you buy an individual, or repurchase stock 4 times a year, or just r...
by ResearchMed
Fri May 01, 2015 1:29 pm
Forum: Investing - Theory, News & General
Topic: CREF Stock R3 Fund - Variable Annuity?
Replies: 16
Views: 643

Re: CREF Stock R3 Fund - Variable Annuity?

That is, one can use the T-C "Equity Index fund" instead of the CREF "Equity Index fund" (which has a higher ER), and later move the T-C money to the CREF fund, and *then* annuitize. RM Careful! Things have changed. The R3 class of the Equity Index annuity account has an ER of ....
by ResearchMed
Fri May 01, 2015 1:10 pm
Forum: Investing - Theory, News & General
Topic: CREF Stock R3 Fund - Variable Annuity?
Replies: 16
Views: 643

Re: CREF Stock R3 Fund - Variable Annuity?

This information has helped me understand - I never could figure out why they had both annuities and mutual funds. I do know that people using T-C are not unhappy with their annuities, something quite different from other company's annuities. Again, make sure not to confuse the "annuities"...
by ResearchMed
Fri May 01, 2015 1:03 pm
Forum: Investing - Theory, News & General
Topic: When - and how - to relax about retirement assets?
Replies: 14
Views: 2350

When - and how - to relax about retirement assets?

I just moved a posting that was originally in the VPW thread, in response to jcjc: Thanks everyone for responses. I was feeling pretty good about our savings but the devil is in the backtesting in poor market conditions. Long invest thank you very much again. Agree with all your SS comments and plan...
by ResearchMed
Fri May 01, 2015 12:40 pm
Forum: Investing - Theory, News & General
Topic: Analysis of TIAA-CREF Active vs. DFA and Vanguard
Replies: 8
Views: 866

Re: Analysis of TIAA-CREF Active vs. DFA and Vanguard

fwiw I listed all the funds that had the full period results, which for example TILGX a fund suggested by woofwoof doesn't have. So it wasn't included because doesn't have 10 year results. No cherry picking to support some predisposed hypothesis. I chose a closest comparable fund, Even giving TIAA ...
by ResearchMed
Fri May 01, 2015 12:27 pm
Forum: Investing - Theory, News & General
Topic: CREF Stock R3 Fund - Variable Annuity?
Replies: 16
Views: 643

Re: CREF Stock R3 Fund - Variable Annuity?

The word "annuity" in the name is a historical relic. It's basically irrelevant. The fund acts pretty much like a mutual fund. I disagree. You cannot annuitize a mutual fund. These accounts, or any portion of them, can be turned into high quality variable annuities when you retire. Being ...
by ResearchMed
Fri May 01, 2015 10:22 am
Forum: Personal Finance (Not Investing)
Topic: VPW question [Variable Percentage WIthdrawal]
Replies: 17
Views: 1129

Re: VPW question [Variable Percentage WIthdrawal]

Moved to start new topic.

RM
by ResearchMed
Fri May 01, 2015 10:09 am
Forum: Investing - Theory, News & General
Topic: "The Mutual Fund Observer"
Replies: 2
Views: 433

Re: "The Mutual Fund Observer"

Bogleheads: I am on the mailing list for "The Mutual Fund Observer. " These are interesting observations in the May issue by editor, David Snowball: "Many times a low Morningstar rating reflects the fact that a particular style or perspective is out-of-favor, but the managers were un...
by ResearchMed
Thu Apr 30, 2015 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: VPW question [Variable Percentage WIthdrawal]
Replies: 17
Views: 1129

Re: VPW question [Variable Percentage WIthdrawal]

To long invest: THANK YOU, THANK YOU. I am saving this post. It really helps a lot. Do you have a teaching background? I love how you gave me examples really helps to understand everything. I have not had time to go back to the calculator however here are some of the answers to your questions What ...
by ResearchMed
Thu Apr 30, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares - Is there any disadvantage to them?
Replies: 15
Views: 1293

Re: Admiral Shares - Is there any disadvantage to them?

No fees for conversion either direction. I understand that if you sell shares and that brings the balance below the "Admiral share" level, Vanguard might convert the shares back to Investor shares. Early on, we had that happen (go under $10k, for example) simply due to market fluctuations ...
by ResearchMed
Thu Apr 30, 2015 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Private Schools - Tuition
Replies: 91
Views: 4870

Re: Private Schools - Tuition

Ok, so the die may be cast, but I would like some perspective regardless. We are looking at putting my oldest in Pre-K. There are no public schools that are rated well academically in the area I live. We found a school that has a great reputation, that friends have used, and praise highly. The cost...
by ResearchMed
Thu Apr 30, 2015 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Spendy spouse
Replies: 110
Views: 10257

Re: Spendy spouse

Something more to consider is that the next time she comes home from work complaining about her job and how much she hates it, show her Mr. Money Mustache's blog, and how a guy and his family where able to retire in their early 30s with 1/3 the salary that you two bring home. Apples to Oranges, I t...
by ResearchMed
Thu Apr 30, 2015 8:37 am
Forum: Personal Consumer Issues
Topic: Organ shoes
Replies: 10
Views: 1264

Re: Organ shoes

(There is a manufacturer on the West coast who will custom make the shoes for those needing unusual sizes, or special fits, and it's not much more than the regular pricing. Whether they can change a shoe to a Velcro closure... I don't know.) Thanks. If you happen to know the name of the manufacture...
by ResearchMed
Wed Apr 29, 2015 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Unusual Way to Increase Social Security Benefits?
Replies: 37
Views: 2385

Re: Unusual Way to Increase Social Security Benefits?

My wife and I are both 64 and intend to delay social security until age 70. We will do the spousal benefit thing at age 66. Currently my earnings record is such that earnings for me between my current age of 64 and 70, even at maxed SS earnings, increases my benefits at age 70 only $10/month. I am ...
by ResearchMed
Wed Apr 29, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Unusual Way to Increase Social Security Benefits?
Replies: 37
Views: 2385

Re: Unusual Way to Increase Social Security Benefits?

My wife and I are both 64 and intend to delay social security until age 70. We will do the spousal benefit thing at age 66. Currently my earnings record is such that earnings for me between my current age of 64 and 70, even at maxed SS earnings, increases my benefits at age 70 only $10/month. I am ...
by ResearchMed
Wed Apr 29, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: Retirees - What would you have done differently?
Replies: 48
Views: 6322

Re: Retirees - What would you have done differently?

Just to add a thought My MIL Died at 57. DW became handicapped by 60. Life is a balance. I can very happily say that we put off NOTHING important until retirement. This is so important, and seems so frequently overlooked/unmentioned here on BH, with the emphasis on being frugal to the point of... d...
by ResearchMed
Wed Apr 29, 2015 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Wait for Social Security or not?
Replies: 13
Views: 1118

Re: Wait for Social Security or not?

Seems like she should see what happens one year at a time. Too many unknowns to make a hard and fast plan now. Wait to take SS as long as possible, but she may not be able to wait till 70. Most of the wait-till-70 advice involves taking spousal benefits earlier so the term "wait till 70" ...
by ResearchMed
Wed Apr 29, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: lost a bid for questionable practice of seller's agent
Replies: 28
Views: 3249

Re: lost a bid for questionable practice of seller's agent

Rules and statutory laws established by the various real estate commissions can vary a good deal from state to state. The code of ethics established by the National Association of Realtors (TM) is not the same as actual state law. In some areas, when a seller has "accepted" an offer, a &q...
by ResearchMed
Tue Apr 28, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Finding homeowner's insurance that covers Craigslist items
Replies: 6
Views: 702

Re: Finding homeowner's insurance that covers Craigslist ite

How about for a single non-jewelry $2,500 item and a few smaller non-jewelry items? Will photographic evidence be sufficient for the insurer? Are there particular insurers that will accept photos? If you have coverage for the *replacement* cost, then the original purchase price isn't critical. (If ...
by ResearchMed
Tue Apr 28, 2015 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Trust fund
Replies: 17
Views: 869

Re: Trust fund

I wish there was a book (or series of) where I can understand the issues my family might face. The Wiki page does not help much with this though. What if I call Vanguard for help? Do you believe that is a good starting place? Someone at Vanguard (assuming you can find the right "someone" ...
by ResearchMed
Tue Apr 28, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: What do you tip a valet?
Replies: 54
Views: 3874

Re: What do you tip a valet?

Why do places require valet parking? Atlanta traffic, limited space I assume. Don't want a lot of cars driving around the lot looking for spaces or people using another nearby business taking up their spaces. Also I presume it contributes to a more upscale feel. Uh... how do they " require &qu...
by ResearchMed
Tue Apr 28, 2015 12:27 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of running clothes
Replies: 34
Views: 2156

Re: Getting the stink out of running clothes

Are there medical products for this?

Or anything like the "soaks" that were used for diapers, back in the day before everyone used disposable?

RM
by ResearchMed
Tue Apr 28, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Increasing the size of a ring
Replies: 10
Views: 1117

Re: Increasing the size of a ring

Terrific idea, RM ! Why didn't I think of that? :oops: That is why I LOVE this forum! Great minds at work here! :D Thank you! It might not be worth it for the little diamonds surrounding the ruby, and I don't know how much effort (=$) would be required. But those are probably less likely to be swit...
by ResearchMed
Tue Apr 28, 2015 11:43 am
Forum: Personal Consumer Issues
Topic: Increasing the size of a ring
Replies: 10
Views: 1117

Re: Increasing the size of a ring

Interesting thread. I inquired at our local jewelry store about this not long ago. I have 3 rings which I now must wear on my pinkies :( as they are too small for ring finger. However, the jeweler told me this can easily be done (gold is added) but they send it Out to be done. I did not like the so...
by ResearchMed
Tue Apr 28, 2015 10:20 am
Forum: Personal Consumer Issues
Topic: Increasing the size of a ring
Replies: 10
Views: 1117

Re: Increasing the size of a ring

I've had my wedding ring resized twice. Always larger. Fortunately the pattern only goes 3/4 of the way around. They did add gold the second time. We use a local pawn shop for that kind of work. The people at the jewelry counter measured for the new size, etc. but explained that work like that was ...
by ResearchMed
Tue Apr 28, 2015 7:08 am
Forum: Personal Consumer Issues
Topic: Organ shoes
Replies: 10
Views: 1264

Re: Organ shoes

About 18 months ago, I acquired a home MIDI organ, which includes a double manual keyboard, and also a 25 note pedal keyboard. I can play the keyboards with the hands, but I have not really played the pedal keyboard yet. My time playing has been mostly spent at the piano and harpsichord, instead. H...
by ResearchMed
Mon Apr 27, 2015 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Merged accounts at Vanguard--cost basis info gone
Replies: 9
Views: 1321

Re: Merged accounts at Vanguard--cost basis info gone

I recently merged my mutual fund and brokerage accounts at Vanguard. Today I discovered, when looking over my cost basis information, that for the mutual funds that were moved into the new combined account, that there s no cost basis information shown for the covered shares. Oddly enough, there is ...
by ResearchMed
Mon Apr 27, 2015 4:22 pm
Forum: Investing - Theory, News & General
Topic: What would happen if everyone at Fidelity went Boglehead?
Replies: 42
Views: 3397

Re: What would happen if everyone at Fidelity went Boglehead

Vanguard has many active funds too. In fact, I think there are more active funds than index funds. So if everyone at Vanguard went Boglehead, it would be bad for Vanguard. Jack Bogle doesn't even go Boglehead. He has a quarter of his assets in active funds. I don't exactly how much of these firms' ...
by ResearchMed
Mon Apr 27, 2015 10:08 am
Forum: Investing - Theory, News & General
Topic: What I learned at my mandatory employee 403(b) info meeting
Replies: 52
Views: 5706

Re: What I learned at my mandatory employee 403(b) info meet

We were told it was due to the IRS what who knows. The email I got said the following: Mr. ____________ with ____________ Financial Services will be visiting the high school April 20th, 21st, and 22nd to visit will all employees to discuss some new changes to the 457 plan and a new account, A Roth ...
by ResearchMed
Mon Apr 27, 2015 9:31 am
Forum: Investing - Theory, News & General
Topic: Pfau, Kitces, & Target-Date Fund glide paths
Replies: 25
Views: 1990

Re: Pfau, Kitces, & Target-Date Fund glide paths

Someone who wanted to follow the Pfau/Kitces approach would not want to use a target date fund. The trajectory you follow beginning about 5 years after retirement is driven by the interaction of market dynamics and spending patterns; you can't foreordain it. At least that's how I interpret it. The ...
by ResearchMed
Mon Apr 27, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 2341

Re: Car Dealership Credit Report

I have decided Im not going to fill in the SSN number on any form unless its actually required, ie to get my Social security benefits, or provide tax / wage / income data to IRS. I will be curious how much trouble this causes me. I sort think they can ask but are you really obligated to provide it?...
by ResearchMed
Sun Apr 26, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help - Am I being stupid?
Replies: 16
Views: 1449

Re: Help - Am I being stupid?

Hello all-knowing board, been reading the boards for a few months, but first time poster. Thanks for any feedback. I currently have saved up around 15 months of expenses in cash, with a current plan is to get this to around 2 years worth. I've been reading up and thinking a lot lately, and have dec...
by ResearchMed
Sun Apr 26, 2015 11:46 am
Forum: Investing - Theory, News & General
Topic: 140% Stocks (or why the Kelly criterion is cool)
Replies: 97
Views: 5799

Re: 140% Stocks (or why the Kelly criterion is cool)

As an aside, should the word "temporarily" be "temporally"? Yes. Thanks. Fixed. What is the other book? "Lifecycle Investing," by Ayres and Nalebuff. On first glance, doesn't this type of "strategy" ignore the risk, however small or large, of going totally be...
by ResearchMed
Sun Apr 26, 2015 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Spendy spouse
Replies: 110
Views: 10257

Re: Spendy spouse

I actually feel very strongly that a lot of the Boglehead advice on these consumer forums is dogmatically singleminded to the point of equating savings/thrift with being ethically good. If we followed BH-advice only, we would never live in high COL areas, drive nicer than econobox cars, and take on...
by ResearchMed
Sun Apr 26, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: Experience with transporting oversized art piece?
Replies: 7
Views: 516

Re: Experience with transporting oversized art piece?

I'll need to transport sometime this summer 2 wooden sculptures from Europe to US. The problem is that both are long - 62 and 65 inches respectively. I initially thought that I should be able to get them in as cabin luggage, but the rules as described by the airlines are not exactly clear and seem ...
by ResearchMed
Sun Apr 26, 2015 11:18 am
Forum: Investing - Theory, News & General
Topic: 140% Stocks (or why the Kelly criterion is cool)
Replies: 97
Views: 5799

Re: 140% Stocks (or why the Kelly criterion is cool)

On first glance, doesn't this type of "strategy" ignore the risk, however small or large, of going totally belly up? In theory , this absolutely does try to avoid that. When trying to maximize geometric mean, multiplying by zero is the last thing you want to do. In practice , this risk is...
by ResearchMed
Sun Apr 26, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: 140% Stocks (or why the Kelly criterion is cool)
Replies: 97
Views: 5799

Re: 140% Stocks (or why the Kelly criterion is cool)

By the way, I don't think it is a straw man to ask "why not 200% stocks," because of this article (which was cited by "market timer" when he began a course of investments that resulted in his losing $200,000 more than he had). You should be more than 100% in equities when you ar...
by ResearchMed
Sun Apr 26, 2015 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley for pool fund?
Replies: 13
Views: 1146

Re: Wellesley for pool fund?

If you are firm on $40k expense, how will you make up for a 20 to 30% decline in Total Stock Market Index if this happens during your saving period? A firm commitment for funds in 5 years or less is better invested in CDs, money markets or cash. There is no way to predict that the market will be at...
by ResearchMed
Sun Apr 26, 2015 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Spendy spouse
Replies: 110
Views: 10257

Re: Spendy spouse

it depends on whether you can afford her current spending habits or not. if you can afford it, and this is your only problem, "let it go"...get counselling for YOU if need be. If you can't afford it, you need a budget, including some amount for luxuries, and as long as she stays in the bu...

Go to advanced search