Search found 3401 matches

by ResearchMed
Tue May 24, 2016 8:02 pm
Forum: Investing - Theory, News & General
Topic: Fidelity typo (Isolated or not?) [Money Market account balance]
Replies: 11
Views: 560

Re: Fidelity typo (Isolated or not?)

I saw the same thing as the OP. My account was normal, but my wife's Roth IRA showed a negative $60,000 market change for each of her three funds earlier this evening. It was odd. I refreshed the screen a couple times, and it went away. Just logged back in to both my account and her account, and ev...
by ResearchMed
Tue May 24, 2016 7:14 pm
Forum: Investing - Theory, News & General
Topic: Fidelity typo (Isolated or not?) [Money Market account balance]
Replies: 11
Views: 560

Re: Fidelity typo (Isolated or not?)

livesoft wrote:Fido must've hired some IT folks away from Vanguard.


Best answer possible!

:twisted:

RM
by ResearchMed
Tue May 24, 2016 7:03 pm
Forum: Investing - Theory, News & General
Topic: Fidelity typo (Isolated or not?) [Money Market account balance]
Replies: 11
Views: 560

Fidelity typo (Isolated or not?) [Money Market account balance]

Okay... in checking today's balances after the close... In the Core portion of the Employer-contributed section, which has a very small balance as we use Fidelity just to hold a few Fidelity funds: for the Money Market account which should have less than $500.00 ..... "Today's Gain/Loss: $-20,4...
by ResearchMed
Wed May 18, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 7708

Re: Is it common for a step mother to inherit everything?

I'm going to argue a little bit for the OP... People with blended families need to plan better. I don't think anybody is going to disagree, but I'm not sure how this is an argument for the OP. Nothing wrong with being disappointed in the outcome, but there really is nothing that can be done about i...
by ResearchMed
Wed May 18, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 7708

Re: Is it common for a step mother to inherit everything?

I disagree. It is much more normal to leave your kids nothing. The average American does not leave or receive an inheritance. Tradition is such a funny word to focus on also. Just because we've always done something a certain way, doesn't make it any more right (morally / ethically). This. OP obvio...
by ResearchMed
Tue May 17, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: Kenai Peninsula - Too Late to Plan?
Replies: 6
Views: 786

Re: Kenai Peninsula - Too Late to Plan?

So I put this topic out last week, and based off of that feedback, I am trying to squeeze in a trip to Anchorage and the Kenai Peninsula this July/August. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=191040&p=2901911#p2901911 I've bought a guidebook and talked to a few people. My o...
by ResearchMed
Tue May 17, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 7708

Re: Is it common for a step mother to inherit everything?

In reference to why I think she shouldn't have gotten her first husband's life insurance, it's simply because he was drunk at the wheel and she bribed the local coroner...it worked out for her too. She accidentally let the cat out of the bag one night in Florida after a few too many drinks on the b...
by ResearchMed
Tue May 17, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3539

Re: Email Hacked

I sometimes get Emails from people I know, but they are from Email lists some hacker obtained, such as the list of parents of my grandson's former elementary school class, and a list of former colleagues in a lunch group. I do not respond, especially when all it contains is a an internet address to...
by ResearchMed
Sat May 14, 2016 6:58 am
Forum: Personal Consumer Issues
Topic: Best "Life Alert" type device for 98 year old grandparents
Replies: 16
Views: 1257

Re: Best "Life Alert" type device for 98 year old grandparents

I see above, yet more reasons to keep landlines, despite Verizon's efforts to get rid of them. They won't even repair them in my area. I would definitely get a system with automatic fall detection. I kind of like the idea of remote camera monitoring, (as the person who would be monitored), despite ...
by ResearchMed
Thu May 12, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: Quality; shower hardware where to find it?
Replies: 23
Views: 1457

Re: Quality; shower hardware where to find it?

Find a bathroom supply store with a nice showroom. Find one that at the least has a few of the names mentioned above. There's no substitute for seeing things in person and also touching them, especially to avoid that cheap feeling that isn't visible in photos. Once there, find a sales rep (yes, they...
by ResearchMed
Thu May 12, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Let's talk wristwatches
Replies: 158
Views: 25968

Re: Poll: Let's talk wristwatches

This signature is a placebo. You are in the control group. Are you sure I'm in the control group? Because from here it seems to be working as it should. :beer Yup. You should thus take pity on those in the experimental group. Things probably aren't working so well for them. :shock: Or maybe it's mu...
by ResearchMed
Thu May 12, 2016 8:40 am
Forum: Investing - Theory, News & General
Topic: Reuters Article - FYI for clients of of retail brokerage firms that sell order flow to Citadel or Knight
Replies: 3
Views: 1172

Re: Reuters Article - FYI for clients of of retail brokerage firms that sell order flow to Citadel or Knight

Most retail brokerage firms engages in this dishonest practice of selling their client order flow to internalizers. TD Ameritrade, Schwab, Etrade, Robinhood,etc do this. Add Vanguard to that list. Q1 2016, > 60% of orders for NYSE listed securities were routed though Citadel and KCG. http://vrs.vis...
by ResearchMed
Thu May 12, 2016 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Let's talk wristwatches
Replies: 158
Views: 25968

Re: Poll: Let's talk wristwatches

Just curious if anyone wants to update this thread their input as it is few years old. With the advent of cellphones, are watches passe? ... I used to wear a Casio G-Shock (maybe still in a drawer?); but, sometime in the 90s, I got a cellphone. That was the last time I wore a wristwatch. I think th...
by ResearchMed
Wed May 11, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney issues
Replies: 11
Views: 1488

Re: Power of Attorney issues

This is becoming very common for some reason. Here is a discussion that describes the issues that I and others have and with Vanguard https://www.bogleheads.org/forum/viewtopic.php?p=2478589 . The issue persists to this day even though PA passed a law requiring them to accept properly executed POAs...
by ResearchMed
Wed May 11, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 4179

Re: Is a home disaster looming? sump pump running constantly please help!

The home is new and under the 1 year new warranty but this builder has tried to persuade me that it's all normal several times. Once I figure out if it's the drainage into the existing french drain issue, I plan to take this to him and see what he will do. I am also trying to contact the city build...
by ResearchMed
Tue May 10, 2016 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant stops paying rent and refuses to show the house for prospective buyers
Replies: 43
Views: 8170

Re: Tenant stops paying rent and refuses to show the house for prospective buyers

Hello all, I own a home in Ohio and rented my home out to a tenant last year when I moved out of state. The lease is till the end of June. The tenant moved out of the home without notice but found a friend to sublease it. They have paid rent till date but have refused to pay the rent for May asking...
by ResearchMed
Tue May 10, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 7118

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Juliajones54 wrote:Ha! JULIPS. Dang auto correct!!
I do have tulips in the yard though....hmmmm.


Dear TuliaTones,

Don't you (now) mean "yummmm"? :happy;

It was a cute typo/auto-correct (accidentally or on purpose; it's something we occasionally say in jest).

RM
by ResearchMed
Tue May 10, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Rent Prior to Closing
Replies: 5
Views: 497

Re: Rent Prior to Closing

They are desperate. Got that part. This could work really well for them, and for you, albeit a bit rushed. HOWEVER... *IF* they don't get the financing (due to lack of effort or otherwise), then... what if they do not move? The laws in some states are remarkably tenant-friendly, and you could have a...
by ResearchMed
Thu May 05, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: International Travel Insurance
Replies: 11
Views: 414

Re: International Travel Insurance

We have used InsureMyTrip.com to compare policies, and have used a few different companies based on results there, most recently TravelSafe...which just reimbursed me for the 2-week trip to Ecuador/Galapagos Islands that we had to cancel due to my wife getting injured about a month prior to departu...
by ResearchMed
Thu May 05, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: International Travel Insurance
Replies: 11
Views: 414

Re: International Travel Insurance

These are really great and helpful responses. And so quickly, too! I will look into these. Other inputs are welcome, but I definitely feel we are off to a great start. Thanks again! The brokers (like TripInsuranceStore; there are others) are particularly useful, because they can help you compare po...
by ResearchMed
Thu May 05, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: International Travel Insurance
Replies: 11
Views: 414

Re: International Travel Insurance

We use http://www.TripInsuranceStore.com (And we've had a big claim paid by the policy from TravelInsured paid without quarreling, and that's important.) Call them, and explain exactly what your concerns are. They'll also probably ask you some questions that will help them find the best policy for y...
by ResearchMed
Thu May 05, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Liability Waiver vs. LLC for Personal Trainer
Replies: 22
Views: 1185

Re: Liability Waiver vs. LLC for Personal Trainer

Are there any zoning issues with running a business out of your home?
Is a separate permit needed for this?

RM
by ResearchMed
Thu May 05, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: What to buy my sig other from the DOG for Mothers Day
Replies: 16
Views: 1871

Re: What to buy my sig other from the DOG for Mothers Day

One cupcake on the counter next to one dog bone. A card beside which reads: A treat for both of us! What a great day! Thanks for being my "mom". (OP-I think your idea is thoughtful and fun.) :beer Very cute idea :happy Depending upon how much you want The Dog to spend (might have to up th...
by ResearchMed
Thu May 05, 2016 8:40 am
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 52
Views: 5037

Re: Revealing Usernames

You have a good point. But I don't think you are allowed to change your user name as it appears. I just tried to see if that was possible, but the user name field is not editable. :x We continue to have new posters who are either using their real names or something so close to their own names that ...
by ResearchMed
Wed May 04, 2016 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Liability Waiver vs. LLC for Personal Trainer
Replies: 22
Views: 1185

Re: Liability Waiver vs. LLC for Personal Trainer

If everyone was as paranoid as a "boglehead" attorney there would probably never be any businesses formed for fear of being sued! :) I love this place. (I'm serious/not being sarcastic) Please don't let us scare you too much. Cheers! :beer I'd suggest the opposite, sort of. When we had ou...
by ResearchMed
Wed May 04, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Liability Waiver vs. LLC for Personal Trainer
Replies: 22
Views: 1185

Re: Liability Waiver vs. LLC for Personal Trainer

2. Search out a good insurance agent. Get some cheap general liability coverage. Should be relatively cheap and if anything, likely provides more "protection" than waivers in most instances. This. I don't understand why some folks opt to form an LLC and pay an annual fee of several hundre...
by ResearchMed
Tue May 03, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 149
Views: 20239

Re: I bought the wrong car - know it after 15 days

It's also too low to the ground and harder to get in and out of than the Lexus ES350. I'm just trying to see how not to take a real bath on a car I've had for 15 days. If you are particular in your vehicles, my suggestion for the next go around is to rent the same vehicle you want to buy for a week...
by ResearchMed
Tue May 03, 2016 7:24 am
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 149
Views: 20239

Re: I bought the wrong car - know it after 15 days

It's also too low to the ground and harder to get in and out of than the Lexus ES350. I'm just trying to see how not to take a real bath on a car I've had for 15 days. If you are particular in your vehicles, my suggestion for the next go around is to rent the same vehicle you want to buy for a week...
by ResearchMed
Mon May 02, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 8153

Re: How to Bogleheads TRAVEL?

We've recently found that many of the hotels we prefer to stay at will "match the online rate" and give an additional 10% discount (and sometimes an upgrade). To do this, they must be able to go to <the low-price website> and see that price, at least in our recent experience. It took a ver...
by ResearchMed
Fri Apr 29, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 7118

Re: So,are Bogleheads Bourbon or Scotch drinkers?

Jack FFR1846 wrote:Neither.

I'm partial to diet coke. Probably saved $100k by not buying alcohol.


This, or fine wine.

(Minus the saving $$)

:happy

RM
by ResearchMed
Fri Apr 29, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with my father's LTC insurer
Replies: 8
Views: 644

Re: Problem with my father's LTC insurer

You wrote: "...I proposed this solution to the insurance company: Mail my dad's checks to me, and I'll send them along to the bank branch where my mother does business, and they'll deposit them into her account. I'm already doing this with Penn Treaty's checks to my mother, who has in-home care...
by ResearchMed
Thu Apr 28, 2016 6:54 pm
Forum: Investing - Theory, News & General
Topic: When to begin taking Social Security payments?
Replies: 31
Views: 1935

Re: When to begin taking Social Security payments?

One serious consideration if you are planning to wait until age 70 to begin taking SS benefits is that you may not receive what you were promised. This has happened to me. I turned 70 last June and began taking SS benefits for the first time. For the past ten months I have received the full retirem...
by ResearchMed
Thu Apr 28, 2016 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help getting out of a tiaa traditional
Replies: 22
Views: 1000

Re: Help getting out of a tiaa traditional

I'm in the process of moving money from tiaa to fidelity. Retirement is a long ways off and the fidelity spartan rates are so much better than anything that tiaa can offer. Tiaa is telling me that I can only move my traditional funds out over a 10 year period. Is this true? I guess if so, I should ...
by ResearchMed
Thu Apr 28, 2016 4:57 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 105
Views: 8156

Re: Selling in May and Walking Away?

The Economist Intelligence Unit puts out a monthly overview, the latest dated last week. The summaries are available free. http://gfs.eiu.com/Article.aspx?articleType=rf&articleid=564149040&secId=4 You'll forgive me if I take their forecast over yours. :P That's some mighty specific forecas...
by ResearchMed
Thu Apr 28, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: When to begin taking Social Security payments?
Replies: 31
Views: 1935

Re: When to begin taking Social Security payments?

Appreciate all posts so far. RM: current forecast SS benefits at FRA: $2,700 for me, $1,000 for my wife. Look at your age 70 benefits. That's what the longer-lived of the two of you could get "for life", and don't forget... this is COLA'd. It's a good deal, especially since it doesn't app...
by ResearchMed
Thu Apr 28, 2016 3:07 pm
Forum: Investing - Theory, News & General
Topic: When to begin taking Social Security payments?
Replies: 31
Views: 1935

Re: When to begin taking Social Security payments?

Appreciate all posts so far. RM: current forecast SS benefits at FRA: $2,700 for me, $1,000 for my wife. Look at your age 70 benefits. That's what the longer-lived of the two of you could get "for life", and don't forget... this is COLA'd. It's a good deal, especially since it doesn't app...
by ResearchMed
Thu Apr 28, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: When to begin taking Social Security payments?
Replies: 31
Views: 1935

Re: When to begin taking Social Security payments?

Don't forget about survivor benefits. Do you and your wife earn about the same, or is there a significant difference in the SS benefits you'll each get? The survivor will get the benefits that the higher earner was getting, even if that was "the other spouse". So the lifetime of the longes...
by ResearchMed
Thu Apr 28, 2016 9:08 am
Forum: Investing - Theory, News & General
Topic: McKinsey report on diminishing returns
Replies: 91
Views: 6827

Re: McKinsey report on diminishing returns

Excellent report, thanks for posting it, Robert T. For financial planning, it seems prudent for investors, whether in the accumulation stage or the retirement stage, to use the slow-growth scenario (in orange below) — about 4.5% real return for stocks and 0% real return for bonds. There actually se...
by ResearchMed
Thu Apr 28, 2016 6:26 am
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2200

Re: End of life situation and handling IRA

I forgot to mention: If you are able to get a Power of Attorney executed, make SURE that it is a DURABLE Power of Attorney (DPoA). And if you do find the PoA, and it is not "Durable", try to get a new one executed while your father is still able to do that. It sounds like your father might...
by ResearchMed
Wed Apr 27, 2016 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: End of life situation and handling IRA
Replies: 24
Views: 2200

Re: End of life situation and handling IRA

My 70 year old father has been in poor health for sometime, and while the news changes every day I'm potentially faced with an end of life situation over the next few months due to cancer. I could use some guidance about how to handle his IRA, things that aren't easily found in a google search. Her...
by ResearchMed
Wed Apr 27, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Practices
Replies: 26
Views: 1968

Re: Medical Billing Practices

The closest thing to this we are seeing is the need sometimes to pay any co-pay *before* being seen. In the past (I don't remember quite when this changed), we'd pay nothing at time of service, and then get a bill later, and we'd pay anything left that was still due. The co-pay, deductible, whatever...
by ResearchMed
Wed Apr 27, 2016 10:45 am
Forum: Investing - Theory, News & General
Topic: Schwab ends load fund access
Replies: 8
Views: 869

Re: Schwab ends load fund access

Having never purchased a load fund, I'm not quite sure how they "work". Who, exactly, benefits from the load, and will thus lose if load funds aren't available? Does a sales agent split it with his/her agency and also with the fund family? If one is purchasing from Schwab, say, online, the...
by ResearchMed
Wed Apr 27, 2016 8:56 am
Forum: Investing - Theory, News & General
Topic: Schwab ends load fund access
Replies: 8
Views: 869

Schwab ends load fund access

"Schwab shuns load funds in DOL's wake Mutual funds with sales loads to come off the shelves May 2" http://www.investmentnews.com/article/20160427/FREE/160429943/schwab-shuns-load-funds-in-dols-wake?utm_source=BreakingNews-20160427&utm_medium=email&utm_campaign=investmentnews&u...
by ResearchMed
Tue Apr 26, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Women business clothes - what brands make the right impression?
Replies: 64
Views: 5973

Re: Women business clothes - what brands make the right impression?

I understand. Many people won't or will say you should ignore folks who are so shallow as to notice, etc., but in the real world, it happens, as you heard. And men do it too. I was absolutely flabbergasted many decades ago (age showing!) when I had decided to wear the same outfit "again", ...
by ResearchMed
Tue Apr 26, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's Portfolio - Annuities
Replies: 15
Views: 1392

Re: Help with Mom's Portfolio - Annuities

All annuities are inferior financial products. She should get into stock and bond index funds. This video pretty much says it all about variable annuities... https://www.youtube.com/watch?v=ZulYOxPaoA8 Whoa... ALL annuities are "inferior financial products" or "all variable annuities...
by ResearchMed
Mon Apr 25, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: SS question before new changes after 4/29/16
Replies: 4
Views: 595

Re: SS question before new changes after 4/29/16

Thanks for the handholding! I went to a luckily close by SS office and after a long wait was told to apply online and to be sure to complete the application by clicking the submit button. The application does not seem to have a provision for filing and suspending, and phoning the SS office didn't h...
by ResearchMed
Fri Apr 22, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Quick, healthy dinner resources and tips
Replies: 15
Views: 1441

Re: Quick, healthy dinner resources and tips

Two careers and two now teen kids, and we've eaten dinner together nearly every night....homemade prob >80% of the time. We just made the usual (scratch) soups and pasta sauce recipes in double or triple batches, often on weekends if we were busy, and then had v quick dinners during the week. Also,...
by ResearchMed
Sun Apr 17, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Last minute tax questions about selling a home!
Replies: 3
Views: 389

Re: Last minute tax questions about selling a home!

A friend sold a home in NJ this year. She did not live in NJ at all in 2015 and made no gain on the sale of the of home, but still had to post two payments to the State of New Jersey: 1. A "Realty Transfer Fee" which is computed in the same way as a tax, but doesn't actually appear to be ...
by ResearchMed
Sat Apr 16, 2016 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Count TIAA Traditional towards the bond allocation?
Replies: 17
Views: 1020

Re: Count TIAA Traditional towards the bond allocation?

The non-liquid form of TIAA Traditional should be treated like a bond fund with a duration of 4.5 years. The reason is that you can't take all the money out; you take 10% out today, and another 10% every year for nine years. If rates rise, you have to accept the lower rate for 0-9 years each on 1/1...
by ResearchMed
Sat Apr 16, 2016 7:29 am
Forum: Personal Consumer Issues
Topic: Buying the most expensive house on the street?
Replies: 34
Views: 4844

Re: Buying the most expensive house on the street?

My wife and I are actively home shopping in advance of relocating to a new state. We know the area we are moving to generally, but not so much the specific neighborhoods. Last week I was out there on business and or real estate agent showed me a couple houses, two of which were nearly identical (sa...

Go to advanced search