Search found 6557 matches

by ResearchMed
Sun Jul 22, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 126
Views: 12361

Re: Salary vs. Lifestyle

There is always more. You can always find ways to spend more money on just about anything. At some point you need to realize that spending more doesn't provide any real value to one's life so why look to earn more? Sure if you make $30k a year and you go up to $80k that is a big deal. But if you ma...
by ResearchMed
Sun Jul 22, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 18
Views: 1484

Re: Rain shower

Yup, that rainshower is for DH, and only for him. The rainshower head doesn't tilt at all, by design/choice. I'd hate having water running down my face all the time, and I'd hate having shampoo and water running down my face even more! We have two "tilted" showerheads, and needed to put one of the "...
by ResearchMed
Sun Jul 22, 2018 7:32 am
Forum: Investing - Theory, News & General
Topic: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??
Replies: 26
Views: 1331

Re: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??

Are you just trying to "fight the power" here? Accept that TIAA doesn't meet your needs anymore because of the new way they do business. Move the account somewhere that doesn't impede what you want to do. I can tell you that Schwab is very helpful in situations like this. With a new account, my wif...
by ResearchMed
Sun Jul 22, 2018 7:03 am
Forum: Investing - Theory, News & General
Topic: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??
Replies: 26
Views: 1331

Re: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??

So... TIAA reps (2 of 'em) told us that a full PoA or any sort of agent authorization is NOT sufficient anymore for all access to the account information. I think this is outrageous. My understanding of how a full POA should work is that you should be able to ACT as the person who granted the POA. ...
by ResearchMed
Sat Jul 21, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 18
Views: 1484

Re: Rain shower

We are getting ready to redo our master shower. We are getting rid of the sunken tube and putting in a level floor and safety grab bars and a nice slide shower head. But I am thinking about adding a nice big rain shower as well. I am also planning on a wooden shower seat in lieu of a built in seat....
by ResearchMed
Sat Jul 21, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??
Replies: 26
Views: 1331

Re: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??

Your link: https://www.tiaa.org/public/pdf/paymentdestination.pdf doesn't seem to work. I keep getting a: "The requested URL /public/pdf/paymentdestination.pdf was not found on this server." Interesting. I just clicked on it and it worked. Hmm. I tried again, and... it worked. "Whatever", as the yo...
by ResearchMed
Sat Jul 21, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 22
Views: 1472

Re: Unpermitted structure - options?

We have no idea about the several neighbors who need two kitchens for religious reasons . But he did NOT have an answer about the "religious need for a second kitchen" , which just surprised me. Oh yes - that may be a "need" or desire for some ... Not sure if I understood your meaning, but I wasn't...
by ResearchMed
Sat Jul 21, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??
Replies: 26
Views: 1331

Re: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??

Your link: https://www.tiaa.org/public/pdf/paymentdestination.pdf doesn't seem to work. I keep getting a: "The requested URL /public/pdf/paymentdestination.pdf was not found on this server." Interesting. I just clicked on it and it worked. Hmm. I tried again, and... it worked. "Whatever", as the yo...
by ResearchMed
Sat Jul 21, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 22
Views: 1472

Re: Unpermitted structure - options?

Hire a lawyer that specialises in these sorts of things (residential zoning, HOA's, residential insurance etc.) in your specific city. The initial consultation should be free and the issue seems straightforward. They will provide professional representation to you to get this resolved or at least d...
by ResearchMed
Sat Jul 21, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: American Express (Amex) Platinum Business Card
Replies: 2
Views: 377

Re: American Express (Amex) Platinum Business Card

Does anyone have any experience with this relatively new offering. It seems that the benefits are in flux but the cost is lower than the personal card and I could pay the fees with corporate dollars. DW and I have been flying a fair bit again and access to lounges is very nice. I don't usually fly ...
by ResearchMed
Sat Jul 21, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??
Replies: 26
Views: 1331

Re: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??

Did you use a generic POA or one from TIAA? Maybe you need one of these. https://www.tiaa.org/public/pdf/paymentdestination.pdf https://www.howardcm.com/forms/Variable%20Annuity/CREF-Authorization.pdf We've had the proper TIAA-CREF/now TIAA own forms completed for years, and there has *never* befor...
by ResearchMed
Sat Jul 21, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??
Replies: 26
Views: 1331

Re: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??

Well, this is discouraging. What if the situation involved a durable financial power of attorney? In the next year or three, I'll be considering where to move some 401k and 403b monies. I have a very favorable 403b TIAA contract with TIAA, and if I could, I would probably choose to add it to my TIA...
by ResearchMed
Sat Jul 21, 2018 6:53 am
Forum: Investing - Theory, News & General
Topic: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??
Replies: 26
Views: 1331

TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??

So... TIAA reps (2 of 'em) told us that a full PoA or any sort of agent authorization is NOT sufficient anymore for all access to the account information. One must now have "guardianship"/"conservatorship" (terms used interchangeably by TIAA reps). Yes, even if DH is fully competent. I was having di...
by ResearchMed
Thu Jul 19, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 59
Views: 2790

Re: Fake IRS calls - anybody care?

I told her to do so, and will call her back first thing in the morning to remind her. I was a little surprised Citi would do nothing until it posted. I have a Barclaycard and noticed a fraudulent charge on my acct before it posted (I check my accts daily). They immediately took action. While I real...
by ResearchMed
Thu Jul 19, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 59
Views: 2790

Re: Fake IRS calls - anybody care?

I told her to do so, and will call her back first thing in the morning to remind her. I was a little surprised Citi would do nothing until it posted. I have a Barclaycard and noticed a fraudulent charge on my acct before it posted (I check my accts daily). They immediately took action. While I real...
by ResearchMed
Thu Jul 19, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 59
Views: 2790

Re: Fake IRS calls - anybody care?

I told her to do so, and will call her back first thing in the morning to remind her. I was a little surprised Citi would do nothing until it posted. I have a Barclaycard and noticed a fraudulent charge on my acct before it posted (I check my accts daily). They immediately took action. While I real...
by ResearchMed
Thu Jul 19, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 59
Views: 2790

Re: Fake IRS calls - anybody care?

I'm sick to my stomach. My daughter called me this afternoon in tears that she had been scammed. What I can gather is that she received one of these calls yesterday, caught the end of the message as she was coming into the house, answered the phone and fell for it to the tune of a $500 ebay gift ca...
by ResearchMed
Thu Jul 19, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 59
Views: 2790

Re: Fake IRS calls - anybody care?

I've had a recent wave of phone calls purporting to be from IRS, warning me of court actions unless I call their number now. I know I'm not supposed to respond to such calls, but should I report them to any law enforcement office? There has been a recent dramatic increase in these robocalls, with a...
by ResearchMed
Thu Jul 19, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Gift cards: which is "better / safer"? physical or electronic?
Replies: 22
Views: 937

Re: Gift cards: which is "better / safer"? physical or electronic?

We can't find anyone to give it to, either, no doubt because there aren't any nearby. You can sell or exchange them online but it might not be worth the trouble. Thanks. We actually hadn't thought of that. But you are right, it's not enough to fuss with, even at full price, and I assume there'd be ...
by ResearchMed
Thu Jul 19, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Gift cards: which is "better / safer"? physical or electronic?
Replies: 22
Views: 937

Re: Gift cards: which is "better / safer"? physical or electronic?

I just got off the phone with a (major) merchant and learned that electronic gift cards I had purchased online were used fraudulently, thereby depleting my balance to zero. :( I'm not a big fan of gift cards, though I do buy them and, it seems, increasingly so :shock: . Sometimes, I will buy a gift...
by ResearchMed
Thu Jul 19, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Israel Private Tours
Replies: 3
Views: 402

Re: Israel Private Tours

Going on a cruise that visits Haifa for a two days. Would like to take a tour to Jerusalem for an overnight stay. Anyone have any experience with tour companies that provide transportation, hotel and guides for this type of tour? The cruise ship offers tours but I would rather go on a smaller, priv...
by ResearchMed
Thu Jul 19, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring $2M out of Vietnam to the US
Replies: 16
Views: 1608

Re: Transferring $2M out of Vietnam to the US

Hi Bogleheads, I would like to ask for your help using your collective brainpower. My uncle had land in Vietnam that he just recently sold for $2M US Dollars. He is currently over there right now finalizing the transaction and has a green card here in the US. The issue is that the Vietnamese Govern...
by ResearchMed
Thu Jul 19, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas like Alaskan Cruises
Replies: 11
Views: 889

Re: Vacation Ideas like Alaskan Cruises

I just completed a 2-week Norwegian fjord cruise on Regent Seven Seas, and have done two two Alaska cruises, one of which was also on Regent. Norway does offer beautiful and uncrowded scenery and ports and was in some ways reminiscent of Alaska in that regard. A number of cruise lines offer Norwegi...
by ResearchMed
Thu Jul 19, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities
Replies: 15
Views: 716

Re: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities

Some Accountable Care Organizations were given an exemption from the 3-day rule for certain patients, maybe your friend is one of them. After seeing your reply I did a search and found this link, updated recently. It seems related : https://www.cms.gov/Medicare/Medicare-Fee-for-Service-Payment/shar...
by ResearchMed
Thu Jul 19, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 56
Views: 2565

Re: Europe travel Qs

When you charge something, do NOT allow them to convert to dollars "for your convenience". Charge in the local currency. Let the card company (e.g., VISA/bank) do that at official rates, rather than unknown rates and also unknown fees. RM It’s actually the other way around. If you allow DCC, the ra...
by ResearchMed
Wed Jul 18, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 56
Views: 2565

Re: Europe travel Qs

We travel in Europe about once a year. Definite second that on phone thieves in Paris--even just setting it on your table at a cafe is a huge risk. I've been a near victim myself. Just be aware of your surroundings and belongings, that's all. I also recommend bringing at minimum 2 credit cards with...
by ResearchMed
Wed Jul 18, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 56
Views: 2565

Re: Europe travel Qs

When you charge something, do NOT allow them to convert to dollars "for your convenience". Charge in the local currency. Let the card company (e.g., VISA/bank) do that at official rates, rather than unknown rates and also unknown fees. RM It’s actually the other way around. If you allow DCC, the ra...
by ResearchMed
Wed Jul 18, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 29
Views: 2315

Re: Possible Knob & Tube in an older home.

Their statement is unequivocal. It is more than I would have said for my house, because the only way I could say for sure would be to open up all the walls. I wouldn't even write it with that wording for the cabins we built about 10 years ago! The most I would willingly write would be something lik...
by ResearchMed
Wed Jul 18, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas like Alaskan Cruises
Replies: 11
Views: 889

Re: Vacation Ideas like Alaskan Cruises

... If you are looking for something with the beautiful landscapes, consider a slightly different cruise: Hurtigruten's 12 day Coastal Round Trip, from Bergen, Norway, all along the coast, up over the top, stopping in Kirkenes (visit to Russian border avail) and then back down. 34 stops. Daytime st...
by ResearchMed
Wed Jul 18, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 34
Views: 2660

Re: How Unclaimed Property Laws Can Affect Retirees

If they are IRA's with zero activity, what about the taxes? Do they just withhold (at max tax rate?) and send the rest to the state ? And what about penalties for those "underage"? And what about money in 403b/etc., plans - money that cannot be removed per rules? RM This was stated in the article W...
by ResearchMed
Wed Jul 18, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 126
Views: 12361

Re: Salary vs. Lifestyle

I realize that this is a very subjective matter, but after reading one of the threads regarding early retirement, I noticed they recurring theme: Enjoying life while you can (having more time for "living in the sunlight" - hobbies, taking walks, exercising and spending time with family). I thankful...
by ResearchMed
Wed Jul 18, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas like Alaskan Cruises
Replies: 11
Views: 889

Re: Vacation Ideas like Alaskan Cruises

We recently went on a 10 day Alaskan cruise. We had a very nice time. Does anyone who has been on an Alaskan cruise have any other vacation recommendations? If you are looking for something with the beautiful landscapes, consider a slightly different cruise: Hurtigruten's 12 day Coastal Round Trip,...
by ResearchMed
Wed Jul 18, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Alaska Trip/Cruise Summer of 2020. Help me plan
Replies: 23
Views: 1539

Re: Alaska Trip/Cruise Summer of 2020. Help me plan

We are thinking of Alaska in the next year or two. One option is to book the Alaska rail package. Anyone here did that? Tripadvisor has glowing reviews of it. https://www.alaskarailroad.com/travel-planning/packages/alaska-by-daylight ALASKA BY DAYLIGHT 10 Days/10 Nights Available late May - early S...
by ResearchMed
Wed Jul 18, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 34
Views: 2660

Re: How Unclaimed Property Laws Can Affect Retirees

If they are IRA's with zero activity, what about the taxes? Do they just withhold (at max tax rate?) and send the rest to the state ? And what about penalties for those "underage"? And what about money in 403b/etc., plans - money that cannot be removed per rules? RM This was stated in the article W...
by ResearchMed
Wed Jul 18, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 34
Views: 2660

Re: How Unclaimed Property Laws Can Affect Retirees

If they are IRA's with zero activity, what about the taxes?

Do they just withhold (at max tax rate?) and send the rest to the state?
And what about penalties for those "underage"?

And what about money in 403b/etc., plans - money that cannot be removed per rules?

RM
by ResearchMed
Wed Jul 18, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 56
Views: 2565

Re: Europe travel Qs

Your bankcard (ATM) issuer may have an online list (and map) of ATM locations in each city you'll be in. If you can find one inside a bank, that's best. First, fewer chances of someone nearby interfering. Second, if you have trouble, there's someone to ask. We had some difficulty in Italy with no En...
by ResearchMed
Wed Jul 18, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 56
Views: 2565

Re: Europe travel Qs

When you charge something, do NOT allow them to convert to dollars "for your convenience".
Charge in the local currency.

Let the card company (e.g., VISA/bank) do that at official rates, rather than unknown rates and also unknown fees.

RM
by ResearchMed
Wed Jul 18, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 34
Views: 2660

Re: How Unclaimed Property Laws Can Affect Retirees

Does simply logging in to check balances (or just that the money is still there) count? Or does one need to make changes to something? IF automatic distributions, such as RMD's do NOT count.. WOW... this is a time bomb waiting to zap a lot of people, and older people disproportionately. I see they a...
by ResearchMed
Wed Jul 18, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3264

Re: 35 minute connection for flight, long enough?

Folks, Thanks for your excellent advice, we've decided to get a direct flight into ORD instead. Good move. I missed one flight in my life & I vow never to let that happen again. My family knows this, so they are aware of my insistence to be at the gate early. Also, seems like in the past few years ...
by ResearchMed
Tue Jul 17, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Accepted new job, immediately laid off at old one?
Replies: 37
Views: 5943

Re: Accepted new job, immediately laid off at old one?

EVERYTHING HAS CLEARED AND I START IN TWO WEEEEEEEEEEEEEEEEEEEEEEEEEEEEEKS!!!!!!!!!! WHOOOOOOOOO HOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO looks like I was freaking out for no reason. wow. will still be paid for a extra 8 weeks after I start working at the new company..legit just double income for 2 months....
by ResearchMed
Tue Jul 17, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Business Credit Card
Replies: 9
Views: 844

Re: Business Credit Card

Also, for a larger business with significant liability, it is potentially one less avenue to pierce the company veil. As long as there is no way the veil is already "pierced", such as holding a mortgage or other company property in your personal name. Or if one commingles business and personal mone...
by ResearchMed
Mon Jul 16, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Business Credit Card
Replies: 9
Views: 844

Re: Business Credit Card

Thank you, that was very helpful. Have been in business for over a year as an LLC/S-Corp. Have an EIN. No DUNS. Have business checking. Have business phone line and utilities in company name. Also have office building lease. 3 business credit cards, have made all payments on time, no late payments ...
by ResearchMed
Mon Jul 16, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Moving taxable to Vanguard with capital gains?
Replies: 11
Views: 513

Re: Moving taxable to Vanguard with capital gains?

Good news, trbcx is on the vanguard ntf list, so transferring it in kind means you can take your time making the decision. https://investor.vanguard.com/mutual-funds/profile/overview/1595?FundIntExt=EXT Good. And if OP finds the TRP fund acceptable, then perhaps stop all re-investments, and just le...
by ResearchMed
Mon Jul 16, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 31
Views: 1960

Re: Heart Rate Monitors Fitbit vs. Garmin

Apologies for lack of clarity. I have amended the subject header and will try to be more clear in my posts moving foreword. You need to go back to your FIRST post, and then use the little "pencil" to edit it. Thanks! And... whew!! RM Thanks for the full title fix. And I'm glad that I wasn't the onl...
by ResearchMed
Mon Jul 16, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 31
Views: 1960

Re: Heart Rate Monitors Fitbit vs. Garmin

Sasquatch wrote:
Mon Jul 16, 2018 1:31 pm
Apologies for lack of clarity. I have amended the subject header and will try to be more clear in my posts moving foreword.
You need to go back to your FIRST post, and then use the little "pencil" to edit it.

Thanks!

And... whew!!

RM
by ResearchMed
Mon Jul 16, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Moving taxable to Vanguard with capital gains?
Replies: 11
Views: 513

Re: Moving taxable to Vanguard with capital gains?

Hello, We currently have $100k in taxable account with T. Rowe Price in the Blue Chip Growth Fund(TRBCX, expense ratio .7%) I think I want to move it to Vanguard and put it in the Vanguard Total Stock Market Index Admiral Shares (VTSAX, expense .04%) to lessen the expense($700 vs $40 right now). Th...
by ResearchMed
Mon Jul 16, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: TripAdvisor "Points" & "Levels" ?
Replies: 8
Views: 592

Re: TripAdvisor "Points" & "Levels" ?

Many sites are doing things like that. Points and seals and pages showing virtual "stickers" and "badges" you've earned. Makes me feel like I'm back in grade school and getting smiley and star stickers. Right. If it isn't a little sticky gold star that I can stick on my forehead, then what's the po...
by ResearchMed
Mon Jul 16, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3703

Re: Are Credit Cards Actually Convenient?

At some stores, the chip readers are significantly slower than the old "swipe" method, but it's not a huge deal. Yes.. I wonder how and when restaurants will use the chip readers? My guess is that fraud must be going up at restaurants that still use the swipe. The issuers have said that if a vendor...
by ResearchMed
Mon Jul 16, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Alaska Trip/Cruise Summer of 2020. Help me plan
Replies: 23
Views: 1539

Re: Alaska Trip/Cruise Summer of 2020. Help me plan

Wife and I will be celebrating 30 years of her putting up with me. We would like to see as much as we can over a 2 week period. No set schedule or time of year to travel as we are both retired. No physical restrictions besides a little Arthritis in the knees. Not interested in climbing mountains bu...
by ResearchMed
Mon Jul 16, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 31
Views: 1960

Re: HR Monitors Fitbit vs. Garmin

Whew!!!

I thought you were writing that your HR department was monitoring private devices.

:shock:

RM