Search found 4696 matches

by ResearchMed
Tue Aug 22, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to get power of attorney
Replies: 8
Views: 831

Re: How to get power of attorney

He should prepare several Powers of Attorney and give you the originals. You will then need to present an original to each institution where he has an account. Thank your for this advice. I would not have considered this. If there are financial (or other?) institutions that you can predict will nee...
by ResearchMed
Tue Aug 22, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 28
Views: 1458

Re: Eclipse Traffic: predictions vs reality?

I heard one story about someone driving from Frankin, NC to their home, which would ordinarily have been about a 5-1/2 hour drive. They claimed the drive required over 10 hours following the eclipse. Interesting. I'm guessing (not that we guessed well about this at all!) that traffic after might be...
by ResearchMed
Tue Aug 22, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 28
Views: 1458

Eclipse Traffic: predictions vs reality?

Could a few of you from various locations in the "totality" zones share the reality about the predicted traffic horrors? In particular, I'm curious about the traffic into (from north and south) and within Madras, Oregon. But I'd really appreciate any reports of traffic (good, bad, ugly, non-existent...
by ResearchMed
Tue Aug 22, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 29
Views: 2806

Re: Rental car booted for prior unpaid parking tickets

I think this is standard practice in the industry. It's happened to me twice, with two different rental companies, Enterprise and Hertz. So I don't think swearing to not use that company again will help. If a tire goes flat during your rental period, it's your problem. It's one of the many many rea...
by ResearchMed
Tue Aug 22, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 29
Views: 2806

Re: Rental car booted for prior unpaid parking tickets

Complicating, or perhaps triggering, the problem, the online payment for the parking spot "didn't show" on the lot's tow truck subcontractor's records (???), so that let to another ticket, the one dated today. It's an "interface problem", apparently (???), such that their tow company "didn't know" ...
by ResearchMed
Mon Aug 21, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 29
Views: 2806

Re: Rental car booted for prior unpaid parking tickets

RM Maybe you should have gone to our area as originally planned-- the sky was clear Sorry for your problem Don't we know it....!! :oops: And the sky was apparently also clear where we almost went on somewhat short notice today. However, the cloud cover rather suddenly appeared more "scattered all a...
by ResearchMed
Mon Aug 21, 2017 11:39 pm
Forum: Personal Consumer Issues
Topic: animal stuck in dryer vent?
Replies: 20
Views: 1610

Re: animal stuck in dryer vent?

So I keep hearing scratching or some type of movement noises in my 2nd floor laundry room. It sounds like an animal/bird is literally stuck in the dryer vent pipe and its not able to escape. Who do I call to help this animal/bird out? Anyone have any suggestions? How about a pest control service? A...
by ResearchMed
Mon Aug 21, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to get power of attorney
Replies: 8
Views: 831

Re: How to get power of attorney

Be aware that some institutions will not accept any PoA document other than their own. Vanguard is one of these, unfortunately (despite a several year old statute in Pennsylvania requiring business in PA to accept *any* valid PoA document). This can be especially unfortunate for someone who has a Du...
by ResearchMed
Mon Aug 21, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Advice-Just gave some information to Voice Phisher
Replies: 9
Views: 1049

Re: Advice-Just gave some information to Voice Phisher

It's a bit late now, but for "next time" (and unfortunately, there are likely to be a variety of "next times" with scammers of various sorts), IF we get an incoming call that is not totally expected - and sometimes even if it is - we will ask for the name/extension of the person calling, have them v...
by ResearchMed
Mon Aug 21, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Injury: Health Insurance definition
Replies: 25
Views: 1089

Re: Accidental Injury: Health Insurance definition

Our health insurance pays the full cost of treating accidental injuries in an emergency room. Emergency room treatments for other conditions require that deductibles be met and that co-pays be paid. I could not find a definition for "accidental injury" on our insurer's website. Does anyone know if ...
by ResearchMed
Mon Aug 21, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 29
Views: 2806

Re: Rental car booted for prior unpaid parking tickets

For what its worth, I rented from Hertz on an East Coast road trip late last year. We apparently did not pay a toll somewhere along the way and a ticket/fine was sent to Hertz. To their credit (and my chagrin) they were right on it and told us they would be adding $28 to the associated cc bill unle...
by ResearchMed
Mon Aug 21, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 29
Views: 2806

Re: Rental car booted for prior unpaid parking tickets

Perhaps call the police and say the car has been illegally booted? Ah, interesting idea, but too late for that, and it might not really be "illegal", depending upon whether there is at least one unpaid ticket, and what the status of that is on private property, etc. DH spent a couple of hours (!) t...
by ResearchMed
Mon Aug 21, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 29
Views: 2806

Rental car booted for prior unpaid parking tickets

What a surprise :annoyed DH went to retrieve our rental car from a lot (private, not city owned, in case it matters), and found two (count 'em, two!) boots on the car tires. Huh!? Turns out that the Hertz car had unpaid parking ticket (or tickets; we are only certain about one at the time, from June...
by ResearchMed
Mon Aug 21, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Is this an appropriate letter to send a neglectful attorney?
Replies: 17
Views: 1476

Re: Is this an appropriate letter to send a neglectful attorney?

I would just let my new lawyer handle that. Good point....I initially said the same thing.....except I think her case is quite straightforward, and if she can force the issue with this lawyer and get a timely court date it would save her a lot of hassle finding a new lawyer , as well as probably sa...
by ResearchMed
Mon Aug 21, 2017 3:44 pm
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 53
Views: 3143

Re: Home Page Updated

- The Home page tag line of "Investing Advice Inspired by Jack Bogle" has been changed to "Investing Advice Inspired by John Bogle". We also changed the forum and wiki tag lines to much. Just curious, why the change from Jack to John? I know John is Mr. Bogle's legal name, but my understanding is h...
by ResearchMed
Mon Aug 21, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 241
Views: 11280

Re: How far would you travel to see The Eclipse?

I work on music row in Nashville TN and we had an eclipse viewing party at work. Pretty funny seeing street lights turn on during the day and hearing crickets chirp. It was a bit warm out, but perfect weather otherwise since the clouds stayed away. :sharebeer Where were you? (Not sure where "music ...
by ResearchMed
Mon Aug 21, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 241
Views: 11280

Re: How far would you travel to see The Eclipse?

Didn't have totality where I lived but maybe 98% or so. It looked like twilight but it did not get dark. Pretty much, I stepped out of my front door and also had the TV going. The TV gave you better views. A neighbor let me use his pinhole viewer to watch the eclipse. I saw the carport lights go on...
by ResearchMed
Sun Aug 20, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 241
Views: 11280

Re: How far would you travel to see The Eclipse?

Is there anything like "TripCheck" elsewhere? In particular, in Nashville? Glorious weather here now :happy RM https://smartway.tn.gov/traffic/?position=-86.78882549999997,36.190326721817044,10&features=incidents,traffic be sure to open the "feature menu" to select the conditions you want to view H...
by ResearchMed
Sat Aug 19, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 241
Views: 11280

Re: How far would you travel to see The Eclipse?

Is there anything like "TripCheck" elsewhere? In particular, in Nashville? Glorious weather here now :happy RM https://smartway.tn.gov/traffic/?position=-86.78882549999997,36.190326721817044,10&features=incidents,traffic be sure to open the "feature menu" to select the conditions you want to view H...
by ResearchMed
Sat Aug 19, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 241
Views: 11280

Re: How far would you travel to see The Eclipse?

N.D. - thanks for the TripCheck tip. I wasn't aware of that site. I'll get up early Monday morning and take a look at it, and decide if I want to venture up Rt. 97 to the totality zone. I'll probably stay put in Bend, but anything's possible... Remember, you don't have to go all the way to Madras t...
by ResearchMed
Sat Aug 19, 2017 10:49 am
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 53
Views: 3143

Re: Home Page Updated

When a thread has a new post since I last read it, the title no longer goes back to blue. Is it by design? Yes, that feature was also in the previous home page. Actually your browser is doing the work. It knows (via a slight change in the URL) that the link has changed and modifies the color accord...
by ResearchMed
Sat Aug 19, 2017 10:15 am
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 53
Views: 3143

Re: Home Page Updated

So when one clicks on a topic, one automatically goes to the most recent post, way down on the page... with no way to easily remind oneself what the OP was? Don't like that at all. And the page where "all posts" are listed (and the sub-forum topic is shown by one letter on the left side)? Looks awfu...
by ResearchMed
Fri Aug 18, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3805
Views: 999209

Re: U.S. stocks in freefall

I'll bite because I admit I'm still learning--and I am genuinely interested. How exactly do we lose money if we don't sell the shares and actually realize the loss? If I have a wallet with $100 in it, and someone steals $10 out of it, is it a real loss then, or when I open the wallet and take the m...
by ResearchMed
Fri Aug 18, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Hotel availability for eclipse
Replies: 8
Views: 839

Re: Hotel availability for eclipse

If anyone is still looking for a hotel room in the totality zone, some rooms are becoming available at places that were completely booked up months ago. Much to my surprise, this morning I was able to reserve a room at a fairly nice hotel for the night before the eclipse due to some last minute can...
by ResearchMed
Fri Aug 18, 2017 6:42 am
Forum: Investing - Theory, News & General
Topic: Plaintiffs win Tibble v Edison (re: lower fees in 401k's)
Replies: 3
Views: 781

Plaintiffs win Tibble v Edison (re: lower fees in 401k's)

http://www.investmentnews.com/article/20170817/FREE/170819941/plaintiffs-win-in-tibble-vs-edison-401-k-fee-case?utm_source=Morning-20170818&utm_medium=email&utm_campaign=investmentnews&utm_visit=405045&itx[email]=1003f7c33ae94cdc6521c19276c259da0bbab5910de8aa4035217ec0b948fb18%40investmentnews See a...
by ResearchMed
Thu Aug 17, 2017 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Tax question about selling my house
Replies: 17
Views: 1328

Re: Tax question about selling my house

I didn't deduct depreciation while I rented it out so I am hoping it won't be affected. Sorry, you will pay "recapture" tax. Recapture is calculated on depreciation that was "allowed or allowable," according to Internal Revenue Code section 1250(b)(3). This means it doesn't matter if you took the d...
by ResearchMed
Thu Aug 17, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Put Mom Up In Hotel?
Replies: 3
Views: 742

Re: Put Mom Up In Hotel?

I hate self-deception. Thus I try to always be brutally honest with myself at all times, always trying to sweep away the clouds of error from my vision of the sun of truth. In another thread I explained that I recently endured the barbarism of house guests behaving as barbarians (by never offering ...
by ResearchMed
Thu Aug 17, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 71
Views: 5595

Re: Where to buy glasses for eclipse viewing ?

I finally got one through craigslist. Those who bought in bulk are reselling through craigslist in my area.They must be making good money by selling $2 item for $15. Given that some counterfeits are also copying all of the "credential verbiage", how can you be sure they are "okay"? We got ours dire...
by ResearchMed
Thu Aug 17, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 3533

Re: Other people's perception of your finances

I’m wondering how folks handle other people’s perception of your financial wherewithal. My spouse and I have been on a very long, difficult road to get to this point in our lives. We have worked our asses off, watched every penny, put a lot of thought into every decision we’ve made, and it is final...
by ResearchMed
Wed Aug 16, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6533

Re: Is $9000 too much for a sectional sofa ?

Ok I actually saw it today. It was at market center in downtown Dallas. It is place exclusively for retailers and designers. It was weird going into this large multifloor building with all this furniture decor and other consumer items with hardly anybody there. I was only allowed in as guest of the...
by ResearchMed
Wed Aug 16, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Accountant liable for penalties?
Replies: 23
Views: 1872

Re: Accountant liable for penalties?

If he had said "I can file an extension to give you more time to file but the estimated taxes are still due on April 15", what would you have said? In fact, it is possible he said that but you didn't think about the last part very much, especially if you've never had to pay estimated taxes. I would...
by ResearchMed
Wed Aug 16, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6533

Re: Is $9000 too much for a sectional sofa ?

1) You have the money 2) You will NOT derail any of your financial goals 3) Your wife wants the sofa What is there to discuss ? Why are you asking BH permission to do something which you need to do for the happiness in your life? I suppose it is a combination of due diligence and rationalization. I...
by ResearchMed
Tue Aug 15, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa Travel Insurance
Replies: 6
Views: 922

Re: Costco Visa Travel Insurance

RM - Thanks. We use the trip insurance store too although sometimes use our travel agent's Allianz policy which covers pre existing conditions if purchased by final payment. That only covers $50,000 emergency medical. We are on Medicare and our insurance policy for medigap is through my husband's f...
by ResearchMed
Tue Aug 15, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6533

Re: Is $9000 too much for a sectional sofa ?

IF you can really afford it...? First, can you SIT ON AND RELAX FOR A SHORT TIME on the SAME style (including all features, perhaps except covering)? We've searched for some furniture (both low cost for rentals, and higher cost for "us"), and there were some that were gorgeous (style, amazing fabric...
by ResearchMed
Tue Aug 15, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa Travel Insurance
Replies: 6
Views: 922

Re: Costco Visa Travel Insurance

Anyone use their travel insurance? We usually buy travel insurance for our cruises. We are taking a relatively inexpensive cruise to the Caribbean for 10 days. Total cost for our inside cabin AND airfare is just under $2600. I was thinking of just purchasing a medical insurance plan for $92-95 and ...
by ResearchMed
Tue Aug 15, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 45
Views: 3169

Re: What kind of hotel do you get on business travel?

I pay my own for business travel and try to stay at Comfort Inn/Choice. A close second is Drury Inns (Midwest), but those are about 30% higher. Any suggestions for lowering rates? When it is your own dime, you pay attention. Ed If you return to the same hotel reasonably often (subjective call, obvi...
by ResearchMed
Mon Aug 14, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant liable for penalties?
Replies: 23
Views: 1872

Re: Accountant liable for penalties?

My mother passed away in February and the accountant we went to (on recommendation of a family member) said he wouldn't get the taxes done on time and that he was going to file an extension. He told us there might be a "small amount" due in interest. That small amount has ballooned up to $1400 beca...
by ResearchMed
Mon Aug 14, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 986

Re: Erroneous Vanguard fund prices from 8/11

I called and was surprised to find that this was not a known problem. The rep initially tried to tell me that there simply had not been a change in value on Friday. However, after I pointed out how improbable that was considering the different compositions of the funds that were all showing a 0.00%...
by ResearchMed
Mon Aug 14, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Lack of Feedback from Vanguard Reps when Suggestions are Made
Replies: 5
Views: 439

Re: Lack of Feedback from Vanguard Reps when Suggestions are Made

Sorry if this topic has been discussed before (or if I posted it in the wrong forum). I've been a Vanguard investor for more than 15 years. In all that time I have made what I considered some useful suggestions to my Flagship reps who say they will submit this to the appropriate department. And yet...
by ResearchMed
Mon Aug 14, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 32
Views: 2120

Re: ipad or tablet for hospital?

from personal experience (sad), hospitals usually have a "guest" WiFi sign in and a standard disclaimer about personal items of value. A locked device is no protection - except for preventing usage when "borrowed" - unable to use the device someone would simply toss the item, not return it. You may...
by ResearchMed
Mon Aug 14, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 32
Views: 2120

Re: ipad or tablet for hospital?

What's out there for an older patient with a long hospital stay ahead? The caregiving spouse uses mac, the patient uses pc. They don't have smart phones. Not super tech savvy, but they do have some experience and they do use FB, etc to keep up with friends far and wide (ex-Navy). I'm not sure what ...
by ResearchMed
Mon Aug 14, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 986

Re: Erroneous Vanguard fund prices from 8/11

Links please. I see 6.81% for Wellington: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0021#tab=1 5.24% for Wellesley: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0027#tab=1 I am not talking about YTD, I am referring to the change in value from COB...
by ResearchMed
Sun Aug 13, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 71
Views: 5595

Re: Where to buy glasses for eclipse viewing ?

Hint we just read from an eclipse chaser: Get an eye patch for one eye, and put it on a bit before totality. Then take it off as totality hits, and one eye will already be acclimated to the "darkness". Anyone know if this would make a difference? Mythbusters tested night vision after using an eye p...
by ResearchMed
Sun Aug 13, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 71
Views: 5595

Re: Where to buy glasses for eclipse viewing ?

American Paper Optics still has them, as of a few minutes ago.

But the price is now higher, minimum 25 @ $4.
They DO offer 2 Day FedEx (~$25-30 extra).

But they are direct from certified/approved manufacturer.

RM
by ResearchMed
Sun Aug 13, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 71
Views: 5595

Re: Where to buy glasses for eclipse viewing ?

Hint we just read from an eclipse chaser:

Get an eye patch for one eye, and put it on a bit before totality.
Then take it off as totality hits, and one eye will already be acclimated to the "darkness".

Anyone know if this would make a difference?

Thanks.

RM
by ResearchMed
Sun Aug 13, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 241
Views: 11280

Re: How far would you travel to see The Eclipse?

Put appropriate sized black disk in your direct view so that it will block the sun and you can have your own artificial eclipse any time you want! Actually, this idea was first presented in 1940 by Donald Menzel of Harvard College (It was a college at that time! It had NOT become a university yet),...
by ResearchMed
Sun Aug 13, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a Barcelona trip
Replies: 31
Views: 2586

Re: Soliciting personal recommendations for a European trip

Stay overnight in Carcassonne. There is a nice hotel ($$, but maybe not too bad off season?), but I think there is at least one other hotel. After hours, it's even more special! I'll never forget driving up to the City. It was hard not to think it was a "Disneyland" of sorts. But it's real :happy RM
by ResearchMed
Sun Aug 13, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Alternatives/choices with ambulance or rescue squad
Replies: 25
Views: 1103

Re: Alternatives/choices with ambulance or rescue squad

Fortunately, we have never needed to call the local rescue squad or ambulance. However, as DW and I get older, the chance that we might need the service is increasing. One example is that I cannot or could not life DW to move her anywhere. Our locality has an excellent ambulance service - rescue sq...
by ResearchMed
Sun Aug 13, 2017 10:14 am
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 2654

Re: Please consider setting a time limit of 15 minutes to edit a post

My other forum is College Confidential. They allow edits to posts for 15 minutes after posting, which is sufficient time to fix typos, fix broken links, etc. The moderators can, of course, make edits and/or deletions as they see fit, based on their terms of service (similar to those here). While it...
by ResearchMed
Sun Aug 13, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 71
Views: 5595

Re: Where to buy glasses for eclipse viewing ?

As a heads up....two weeks ago I purchased eclipse-viewing glasses from Amazon that were described as being ISO compliant. Yesterday I get an e-mail from Amazon saying that these glasses were not ISO complaint and to not use them for viewing the eclipse. So things are sometimes not what they seem. ...