Search found 3931 matches

by ResearchMed
Mon Jan 16, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Medicare insurance premium AND payroll tax ?
Replies: 7
Views: 328

Re: Medicare insurance premium AND payroll tax ?

If you are still employed at a company with greater than 20 employees, you do NOT have to sign up for medicare A or B as long as your plan meets certain guidelines including prescriptions. You WILL need a document from your employer when you eventually do sign up otherwise you could be penalized fo...
by ResearchMed
Mon Jan 16, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Medicare insurance premium AND payroll tax ?
Replies: 7
Views: 328

Re: Medicare insurance premium AND payroll tax ?

my friends at Dummies tells me "yes" http://www.dummies.com/personal-finance/insurance/health-insurance/do-you-pay-medicare-taxes-while-receiving-medicare-benefits/ although as ResearchMed mentions, sounds like there's a free version of Medicare. Yes, I'll have employer group coverage. Th...
by ResearchMed
Mon Jan 16, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Medicare insurance premium AND payroll tax ?
Replies: 7
Views: 328

Re: Medicare insurance premium AND payroll tax ?

ahoy. I will be eligible for the "mandatory" purchase of Medicare in a few months on my 65th birthday. I assume I will be getting some type of Medicare insurance and paying premiums for it. Hopefully I will continue to be working, do I still have to pay the Medicare payroll tax as well as...
by ResearchMed
Sun Jan 15, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Out of town mechanic botched fix
Replies: 19
Views: 1533

Re: Out of town mechanic botched fix

I'm from Southern California and was in the San Francisco area when my 2006 Honda Civic wouldn't start. I brought it in to a local mechanic up there and they told me the alternator died. They replaced said alternator with another used alternator. Diagnostic, service, and part charges totaled to $57...
by ResearchMed
Sun Jan 15, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: What is that gas / fume smell from furnace?
Replies: 15
Views: 768

Don't delay if you even think you smell gas - Re: What is that gas / fume smell from furnace?

If there is even the remotest possibility of a natural gas leak, LEAVE THE BUILDING, and AFTER YOU ARE OUT, *then* use your cell phone to call the Fire Department. We had a new gas meter installed, and... later that day... the smell of "natural gas odor". We looked at each other, i grabbed...
by ResearchMed
Sun Jan 15, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard on finding a dead person's password
Replies: 43
Views: 3251

Re: Vanguard on finding a dead person's password

For retirement assets our durable powers of attorney give each of us the right to manage them. Again, having the passwords is handy. Why would that be handy? Does the POA authorize the spouse to use your Vanguard account before your death? Does the POA authorize the spouse to use your Vanguard acco...
by ResearchMed
Sun Jan 15, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard on finding a dead person's password
Replies: 43
Views: 3251

Re: Vanguard on finding a dead person's password

Our non-retirement assets are in trusts with each of us as cotrustee for the other. At my incapacity or death my spouse would be legally entitled to manage those accounts and has access to them through my passwords. At some point would notify the financial institutions of my death, but that would n...
by ResearchMed
Sat Jan 14, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Browser navigation on Vanguard site
Replies: 7
Views: 429

Re: Browser navigation on Vanguard site

At Vanguard, I've learned to use the Cancel button AND read the little confirmation dialog to answer the Yes/No question properly. As part of interface design, I don't think there should ever be Yes and No, buttons. Instead they should be "Yes, cancel..." "No, continue with ...."...
by ResearchMed
Sat Jan 14, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: cruise around the world
Replies: 16
Views: 1486

Re: cruise around the world

yes we have done short cruise - like one week long. The idea of seeing so many places is appealing. Would you need to get visas for so many countries? Have you done just one cruise? (That's not a negative. I love cruising, but could not convince DH to try it until recently. He was hooked immediatel...
by ResearchMed
Fri Jan 13, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 961
Views: 118602

Re: What's Your Credit Card Rewards Strategy?

Enlightening!! But it says it can't be booked online when I looked up my local airport to HNL. This type of booking has to be done over the phone? We've found that many of the rewards travel cannot be booked online. (And those that can be booked on line, seem to be the ones we don't want, or at lea...
by ResearchMed
Fri Jan 13, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 961
Views: 118602

Re: What's Your Credit Card Rewards Strategy?

Enlightening!! But it says it can't be booked online when I looked up my local airport to HNL. This type of booking has to be done over the phone? We've found that many of the rewards travel cannot be booked online. (And those that can be booked on line, seem to be the ones we don't want, or at lea...
by ResearchMed
Fri Jan 13, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in paid-off starter house vs. dream house+work a few more years
Replies: 51
Views: 3050

Re: Stay in paid-off starter house vs. dream house+work a few more years

How do you feel about your jobs? RM The jobs are a mixed bag. I really enjoy my job, wife not so much. Both of our jobs would be amenable to part time work. The impetus for early retirement is less "job sucks" and more "fun stuff rules." We also love to travel. Well, if *both* o...
by ResearchMed
Fri Jan 13, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in paid-off starter house vs. dream house+work a few more years
Replies: 51
Views: 3050

Re: Stay in paid-off starter house vs. dream house+work a few more years

How do you feel about your jobs? Are you planning early retirement "because you can", or "because one or both of you hate your jobs"? If NOT the latter, then I'd say, enjoy life now as well as later, as long as you aren't jeopardizing a secure future, which certainly doesn't seem...
by ResearchMed
Fri Jan 13, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 961
Views: 118602

Re: What's Your Credit Card Rewards Strategy?

Enlightening!! But it says it can't be booked online when I looked up my local airport to HNL. This type of booking has to be done over the phone? We've found that many of the rewards travel cannot be booked online. (And those that can be booked on line, seem to be the ones we don't want, or at lea...
by ResearchMed
Thu Jan 12, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard balances and holding total is different from cost basis page total
Replies: 2
Views: 228

Re: Vanguard balances and holding total is different from cost basis page total

Hi everyone, Has anyone had any issues with the market value on the "balances and holding page" to be completely different from the market value on the "cost basis page?" The difference was greater than 120%! (larger market value total displayed on the "cost basis page"...
by ResearchMed
Thu Jan 12, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: [Redemptions missing from Treasury Direct Account]
Replies: 20
Views: 966

Re: Fraud in Treasury Direct Account

I am so embarrassed. Found the money in our matched bank account. I'd forgotten that is how redemptions work. Checked it and there were the funds :oops: I'm now ready to check into local mental health as I have no recollection of the transaction. So sorry for having stirred this up. Very glad it ha...
by ResearchMed
Thu Jan 12, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Inquiring about family finances?
Replies: 45
Views: 3356

Re: Inquiring about family finances?

Ahh, gotcha. Haven't brought it up with her. My point was not to be dismissive with her, just that her response, if involved in that convo would have been "well this is my cue to leave!" Points taken on the family finances and what not. She's just a bit too busy with work and new kid to g...
by ResearchMed
Thu Jan 12, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Inquiring about family finances?
Replies: 45
Views: 3356

Re: Inquiring about familiy finances?

What does you *wife* think about all of this? For starters, is she on board with your investing philosophy? And what is her relationship to her own father? (Did he include her in the previous conversation? If not, why do you think he didn't?) RM My wife doesn't think about finances. Ever. She could...
by ResearchMed
Thu Jan 12, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Inquiring about family finances?
Replies: 45
Views: 3356

Re: Inquiring about familiy finances?

What does you *wife* think about all of this?

For starters, is she on board with your investing philosophy?
And what is her relationship to her own father?
(Did he include her in the previous conversation? If not, why do you think he didn't?)

RM
by ResearchMed
Thu Jan 12, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 54
Views: 7431

Re: Insurance company "outdoor steps need a railing"

I put a temp railing up for my homeowners photos then took it down, lol. IF someone has a related fall, and there was no railing where you were required by insurance to have one, you will regret either a) not keeping that railing up, or b) having bothered to pay for that insurance. And liability cl...
by ResearchMed
Tue Jan 10, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2512

Re: Anyone else having trouble with unrequested CVS auto-refills?

The Wizard wrote:Revenue Enhancement, that's what we have here...


Yup.

Good gig they've got going.

RM
by ResearchMed
Tue Jan 10, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2512

Re: Anyone else having trouble with unrequested CVS auto-refills?

I've never knowingly asked for auto-refill. They always ask me, I always say "no." Two days ago I got a robocall saying my prescription was due for refill, did I want to refill it? After doing a reality check and counting over thirty pills left of my ninety-day supply, I pressed "two...
by ResearchMed
Tue Jan 10, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: Should I get out of TIAA traditional annuity?
Replies: 15
Views: 1007

Re: Should I get out of TIAA traditional annuity?

I'm aware of the vintages and this would be an initial investment in that account. There is currently no money in that TIAA traditional so no old vintages to give up. I would not be trading fixed income for equities but would establish the 20% bond position in the total bond market index. The TIAA ...
by ResearchMed
Tue Jan 10, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 961
Views: 118602

Re: What's Your Credit Card Rewards Strategy?

What currencies do you like Skymiles over? In my experience they're probably the least valuable airline miles, including foreign airlines. This can be strongly affected by where you fly. In particular being in a Delta captive city can make Skymiles more useful than the gyrations necessary to use &q...
by ResearchMed
Tue Jan 10, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 187
Views: 11512

Re: How Bad was 2008, really?

I remember the particular point that really terrified me was after a major money market fund "broke the buck" and suddenly it seemed like nothing was safe anymore. The federal government stepped in and temporarily guaranteed money market funds and for deposit accounts increased the FDIC l...
by ResearchMed
Tue Jan 10, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 2796

Re: Turned 30! Women's advice for skin care??

Amlactin for body skin care. There seem to be several forms of this. Which are you recommending? Thanks. Sub name is "Alpha-hydroxy therapy" Moisturizing Body Lotion. Pale lime-ish green pump top (on the little gray top), white almost opaque bottle (flat style, not round cross-section). G...
by ResearchMed
Tue Jan 10, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 2796

Re: Turned 30! Women's advice for skin care??

So here is a question, does skin care cream ever go bad or expire? Yes, cream can go bad. This could range from separating to going rancid, depending on the product. Fragrances can also go bad over time, leading to unpleasant odors even if the underlying oils have not gone rancid. And if you'd prev...
by ResearchMed
Mon Jan 09, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 187
Views: 11512

Re: How Bad was 2008, really?

2008 was a lot different than your normal bear market since since it was a mainly a financial crisis and the impact to the stock market was a secondary affect. There was a very real fear that the financial system would come to a grinding halt and things would basically collapse and things like ATM'...
by ResearchMed
Mon Jan 09, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 2796

Re: Turned 30! Women's advice for skin care??

So here is a question, does skin care cream ever go bad or expire? Yes, cream can go bad. This could range from separating to going rancid, depending on the product. Fragrances can also go bad over time, leading to unpleasant odors even if the underlying oils have not gone rancid. And if you'd prev...
by ResearchMed
Mon Jan 09, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud -- Got charged $1.2k and a call from Citibank
Replies: 8
Views: 904

Re: Credit Card Fraud -- Got charged $1.2k and a call from Citibank

For starters, see if you can get a second *credit* card, so you won't need to use a debit card if something like this happens again. I mean "when", as these things are likely to get more common, not less. And you certainly don't want this to be an only card while traveling, lest something ...
by ResearchMed
Mon Jan 09, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 2796

Re: Turned 30! Women's advice for skin care??

Amlactin for body skin care. Went to a dermatologist as my skin changed to *very* dry as I aged. Did this during our checkups for any signs of skin cancer. DH was sure the physician would suggest, or even try a hard sell, of the "specialty products" that are often carried in offices like ...
by ResearchMed
Mon Jan 09, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6487

Re: Laundry lifestyle creep

dratkinson wrote:
<snip>

Currently trying to find a generic high-pulp frozen OJ to replace frozen Minute Maid Country Style.


Is this because your laundry's lifestyle creep was to shift down?
:wink:

RM
by ResearchMed
Mon Jan 09, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 3204

Re: Teeth whitening

I paid about $150 to have it done back when at the dentist. He was offering a special. It worked OK and I liked the look. My teeth were not stained but just slightly off white to start. I went for some brighter and not real white like the movie stars. The dentist could grade the whiteness and get t...
by ResearchMed
Mon Jan 09, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 3204

Re: Teeth whitening

White is not the natural color of the teeth. The dental science does not know enough yet. Keep this ^^^ in mind. A few people seem to think they need really BRIGHT WHITE teeth such that it not only looks unnatural, but it really pops right out and almost knocks you out. I suspect a lot of TV/movie ...
by ResearchMed
Mon Jan 09, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 3204

Re: Teeth whitening

After years of drinking iron-rich well water, my teeth are kind of yellow. I am thinking about getting a teeth whitening at my dentist's office. But I have heard mixed results. So please let me know if you have done a teeth whitening, did it work and what method/brand did your dentist use? I think ...
by ResearchMed
Mon Jan 09, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: "How Market Crashes Happen"
Replies: 9
Views: 1197

Re: "How Market Crashes Happen"

I thought this Credit Suisse document I found linked from there pretty interesting: https://doc.research-and-analytics.csfb.com/docView?language=ENG&format=PDF&sourceid=em&document_id=x745112&serialid=knrGGNw%2bo620toTTx96qBQ%3d%3d ... The investors leaving active managers are likel...
by ResearchMed
Mon Jan 09, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: I want to go to Alaska this summer - tell me what, why and when!
Replies: 18
Views: 1431

Re: I want to go to Alaska this summer - tell me what, why and when!

Alaska was fun when we were there. It rains all the time there. Those nice sunny pictures you see are not the norm, just fyi. Wanna see mt denali? Good luck...only a small percentage of visitors see it. Its so large it creates its own weather...chances of seeing are are slim to none. When we went w...
by ResearchMed
Mon Jan 09, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6487

Re: Laundry lifestyle creep

What has become most important to us is to avoid fragrances and colorings and other non-functional additives as much as possible.
It's not always easy.
:annoyed

RM
by ResearchMed
Sun Jan 08, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Help choosing a mattress
Replies: 38
Views: 2906

What we slept on at a hotel? Re: Help choosing a mattress

I ended up opting for Tuft & Needle for a full size mattress... Tuft & Needle looks very interesting indeed. (So do other mail-order mattress companies such as Casper, Leesa, Brooklyn Bedding, etc.) I'd order one tomorrow if one of them figured out the big problem with mail-order mattresses...
by ResearchMed
Sat Jan 07, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Getting help for aging Grandmother
Replies: 16
Views: 1355

Re: Getting help for aging Grandmother

My 93 year old grandmother lives with my parents. Her mind is still sharp and she can get by on her own if my parents are out and people check on her a couple times a day, but unfortunately she's starting to need more frequent help -- falls every once in a while, help getting up, help with meal pre...
by ResearchMed
Sat Jan 07, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 57
Views: 3638

Re: Alaska cruise - Help me convince my family

A few months ago, we took a one-way cruise from Vancouver to Seward. spent a couple of days in Seward, and then took a train to Anchorage for the flight home. Others continued on to Denali, and we were sorry we hadn't planned that. But we'll be back. Highlights were Glacier Bay (not all ships go the...
by ResearchMed
Sat Jan 07, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6487

Re: Laundry lifestyle creep

In the old days, I'd just use the cheapest detergent I could buy and then call it a day. I then started using a more expensive detergent (even if not on sale) because it was highly-rated by consumer reports. More recently, we bought a large box of oxiclean. Initially, I was only adding it to the hi...
by ResearchMed
Fri Jan 06, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Estimated tax payments prior to RMD's?
Replies: 4
Views: 335

Re: Estimated tax payments prior to RMD's?

Once one begins taking RMD's; does one need to also consider estimated tax payments for the RMD for that year and each year afterwards? If one has a substantial IRA it could amount to a significant payout. Appreciate your thoughts. Why not just withhold the approximate amount from the withdrawn mon...
by ResearchMed
Fri Jan 06, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need? Will/trust/health directives?
Replies: 4
Views: 415

Re: What do I need? Will/trust/health directives?

Don't forget those children! You'll want to make arrangements (formally) about who would care for/raise your children should the worst happen. (Best to speak with those folks first, to make sure they are willing, and also that they generally agree with your philosophies, etc.) And then, how money (a...
by ResearchMed
Fri Jan 06, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 961
Views: 118602

Re: What's Your Credit Card Rewards Strategy?

Breaking news on the Chase Sapphire Reserve: 100,000 point bonus will not be decreased to 50,000. For anyone on the fence, you probably want to jump now: http://thepointsguy.com/2017/01/chase-sapphire-reserve-100k-online-bonus-ending/ Will " not " be decreased ? Then why the rush to "...
by ResearchMed
Fri Jan 06, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 179
Views: 10872

Re: Annual Vacation Budget

Thanks everyone. There is a lot of useful information here. I agree with many here that spending money on vacation is more worthwhile than spending on things. The basis for my question was even for vacations, you might soon reach a point of diminishing returns. I want to get a gauge on what the ave...
by ResearchMed
Fri Jan 06, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Problem: Electronic transfer limits. Also: portfolio advice.
Replies: 17
Views: 759

Re: Problem: Electronic transfer limits. Also: portfolio advice.

BOH? FHB? Can you spell out their names? Ally Bank allows up to $150k transfer out per day and $600k per month. If the amount is larger, a wire transfer will work better. Ally charges a very modest amount of $20 per outgoing wire transfer and nothing for incoming wires. If you can get wire transfer...
by ResearchMed
Fri Jan 06, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 179
Views: 10872

Re: Annual Vacation Budget

We are having a great time on every trip, and the memories and photos of trips taken are enjoyed *very* frequently. +1, although I didn't take my wonderful (but bulky and heavy) camera with me. I thInk my cell phone will suffice for the future, unless we do a safari or similar. Yup, no fancy camera...
by ResearchMed
Fri Jan 06, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 179
Views: 10872

Re: Annual Vacation Budget

"A lot." Travel is " W hat W e E njoy" nowadays. :happy I guess we are more in line with White Coat Investor and TomatoTomahto We certainly don't need more "stuff"; quite the opposite. A *safe* car is the only other big ticket item, and we "did that" in 2015, ...
by ResearchMed
Fri Jan 06, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Problem: Electronic transfer limits. Also: portfolio advice.
Replies: 17
Views: 759

Re: Problem: Electronic transfer limits. Also: portfolio advice.

Thank you to everyone for helping me set up with Vanguard. I have linked my (prior residence) banks as well as local, IE: FHB, BOH, Chase, etc. but have now found out that there are amount limits to electronic transfers to accounts outside of the bank. First H'wn Bank and BOH, Chase, have similar, ...

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