Search found 3465 matches

by ResearchMed
Fri Jul 22, 2016 4:48 pm
Forum: Investing - Theory, News & General
Topic: Mutual fund performance and fund size
Replies: 9
Views: 645

Re: Mutual fund performance and fund size

h ttp://mutualfunds.com/education/short-term-performance-and-mutual-fund-size/ Hope you find this helpful, looks at why larger funds tend to have worse returns as they get more aum Larry Larry, you need to make that link start with "http://", and make all of the letters clickable. RM
by ResearchMed
Fri Jul 22, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone with an asset based mortgage?
Replies: 2
Views: 249

Re: Anyone with an asset based mortgage?

The pitfalls of being cash poor asset rich. Around 90% of my investable assets are in my IRA. I have been thinking about buying a vacation home for $280,000. Problem is it would cost me $330,000. That's because of what I would have to pay in taxes taking part of the purchase price from my IRA. Ther...
by ResearchMed
Thu Jul 21, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: London theatre tickets
Replies: 10
Views: 633

Re: London theatre tickets

If there is a specific play that you *really* want to see, then if you just can't find tickets through the regular box office & outlets, try the hotel concierge. Those will be marked up a bit, but typically not at all like "scalpers prices" (unless it's a truly "hot, must see"...
by ResearchMed
Wed Jul 20, 2016 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Discount -- comes with a trap
Replies: 4
Views: 674

Re: Insurance Discount -- comes with a trap

Don't like it but not opposed to it. There is enough stuff floating around about me, that it really doesn't matter too much. Besides, high risk should pay higher rates if their condition is reasonably correctable. ie, a person that is diabetic and not eating properly and/or not taking proper medica...
by ResearchMed
Wed Jul 20, 2016 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Recourse for a Lender not Following through on a on a pre-approval
Replies: 11
Views: 1103

Always a backup lender - Re: Recourse for a Lender not Following through on a on a pre-approval

I've been lucky and most home sales, I've handled, the pre-approval turned into a firm commitment. But occasionally "stuff" does happen and the pre-approval goes away. We get a pre-approval while house hunting, and make sure it is comfortably above the price point we expect to need. We al...
by ResearchMed
Tue Jul 19, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: How much are these microscopes worth and what should I do with them?
Replies: 15
Views: 1156

Re: How much are these microscopes worth and what should I do with them?

I have no idea about value, etc., although I have lots of fond memories of using microscopes when I was very young, for fun. There were all sorts of things to study :happy And also later, when I was older, for "real" school. if you don't find any other use/value for them, perhaps you could...
by ResearchMed
Tue Jul 19, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 26
Views: 1820

Re: New Vanguard Emerging Market Bond Fund

I was reading the Vanguard first half summary on M* this morning, and the article/video mentioned that Vanguard had quietly launched the Vanguard Emerging Markets Bond Fund. They said that it was in M*'s database (http://www.morningstar.com/funds/xnas/vembx/quote.html)--sort of--but that you wouldn...
by ResearchMed
Tue Jul 19, 2016 1:19 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 26
Views: 1820

Re: New Vanguard Emerging Market Bond Fund

I was reading the Vanguard first half summary on M* this morning, and the article/video mentioned that Vanguard had quietly launched the Vanguard Emerging Markets Bond Fund. They said that it was in M*'s database (http://www.morningstar.com/funds/xnas/vembx/quote.html)--sort of--but that you wouldn...
by ResearchMed
Tue Jul 19, 2016 12:58 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 26
Views: 1820

Re: New Vanguard Emerging Market Bond Fund

I was reading the Vanguard first half summary on M* this morning, and the article/video mentioned that Vanguard had quietly launched the Vanguard Emerging Markets Bond Fund. They said that it was in M*'s database (http://www.morningstar.com/funds/xnas/vembx/quote.html)--sort of--but that you wouldn...
by ResearchMed
Mon Jul 18, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud
Replies: 4
Views: 471

Re: Credit Card Fraud

Question:

How does this type of fraud "work"?

Was someone hoping to intercept the card from OP's mailbox?

Would they have a way to get the card number without the card?

RM
by ResearchMed
Mon Jul 18, 2016 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Recourse for a Lender not Following through on a on a pre-approval
Replies: 11
Views: 1103

Re: Recourse for a Lender not Following through on a on a pre-approval

Is there any re-course for a mortgage provider (in this case, BofA) not coming through on a pre-approval? I assume it is just bad form and there isn't anything I can do, but I provided all my financial info to my lender (BofA) and then provided a pre-approval at 75% LTV. They came back a few weeks ...
by ResearchMed
Mon Jul 18, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Bermuda cruise
Replies: 21
Views: 1571

Re: Bermuda cruise

Is this a good plan? Plan: Aug 2 Adults 2 Children 7-Day Boston to Bermuda Norwegian Dawn Royal Naval Dockyard, Bermuda Inside room https://www.ncl.com/cruises/7-Day-Bermuda,-Round-trip-Boston?itineraryCode=DAWN7BOSWRFBOS What are the ages of the children? NCL has a nice children's program for thos...
by ResearchMed
Sun Jul 17, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 6716

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

JLMA wrote:
TxAg wrote:How much do you work now?


36 hrs/wk


Can the hours be flexible?

If so, per day? Or can you take some real vacation time, and work more before/after?

Is the work stressful? Enjoyable?

RM
by ResearchMed
Sun Jul 17, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 6716

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

Have you considered what would happen if things don't go well with you and your friend? His business could have problems, or the two of you could have a falling out (that can happen even with "truly best friends"), or if he were to become disabled or pass away early? Would you have a *good...
by ResearchMed
Sun Jul 17, 2016 8:46 am
Forum: Investing - Help with Personal Investments
Topic: How much i can withdraw from the account and the account to continue to grow ?
Replies: 24
Views: 1742

Re: How much i can withdraw from the account and the account to continue to grow ?

OP - If you can provide how to reliably get 10% gains year after year, please let us all know. I think we'd all pay you enough where you don't have to worry about money anymore. :wink: This is the "catch". If it is a *guaranteed* 10%, and all that is required is "growth", then i...
by ResearchMed
Sat Jul 16, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: 4% SWR for 30 years, what % for 15 years
Replies: 12
Views: 1279

Re: 4% SWR for 30 years, what % for 15 years

Curious....why would you want that? Besides...4% is a guide from a study and is not 100% guaranteed for any time period Not sure about OP (who maybe has a deferred annuity or something?) But some people don't retire until quite late, by choice. DH is ~mid-70's, and just starting *another* multi-yea...
by ResearchMed
Fri Jul 15, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3155

Re: Raising a reader

When the children were young, bedtime seemed to be one struggle that wouldn't go away. Reading quietly together to them/with them didn't seem to help, nor did lullabies. So I decided there would be a new rule. Each child (there were two, close in ages) had a new shelf next to the bed (bunk beds back...
by ResearchMed
Fri Jul 15, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 2917

Re: Avoiding Inheriting Parents' Financial Mess / Debts

He can't inherit a house that his parents don't own . The bank owns it and will take possession of it after the parents' death. He should see that bankruptcy lawyer perhaps. Often some equity in a home can be preserved from creditors in bankruptcy, as can some other assets. Bankruptcy of living per...
by ResearchMed
Fri Jul 15, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 2917

Re: Avoiding Inheriting Parents' Financial Mess / Debts

He can't inherit a house that his parents don't own. The bank owns it and will take possession of it after the parents' death. He should see that bankruptcy lawyer perhaps. Often some equity in a home can be preserved from creditors in bankruptcy, as can some other assets. Bankruptcy of living pers...
by ResearchMed
Thu Jul 14, 2016 10:24 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Sorry, You're Just Going To Have To Save More Money
Replies: 16
Views: 3945

Re: Jason Zweig: Sorry, You're Just Going To Have To Save More Money

The big lesson, I think, is "stuff happens." Economically, things get better and things get worse. Salaries, cost of living... interest rates and investment returns. We all hate that--the "worse" part, anyway--but there is a mental trap I don't think we should fall into. By the ...
by ResearchMed
Tue Jul 12, 2016 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating annual withdrawals in retirement
Replies: 14
Views: 1249

Re: Calculating annual withdrawals in retirement

Let's say you have a million bucks invested in fund x. You are no longer making contributions to it. How do you maximize annual withdrawals while ensuring that you never, ever run out of money? Do you do it on the basis of what the fund earned the previous year? If you did that, and the fund earned...
by ResearchMed
Tue Jul 12, 2016 9:20 am
Forum: Personal Consumer Issues
Topic: Vanguard broken this morning?
Replies: 37
Views: 1956

Re: Vanguard broken this morning?

Via web app, I currently cannot access "Balances and holdings" sections or trade (no holdings to trade!). I've been trying for over half and hour, since the market opened. "This area is temporarily unavailable. Please try again later or contact us." Same thing here. But the &quo...
by ResearchMed
Mon Jul 11, 2016 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3655

Re: Do you have any retiree healthcare benefit from your employer?

My employer allows employees with 20 years of service to stay on the group plan in retirement, though the retiree pays the full cost plus an administrative fee. Like COBRA, but no time limit. I feel fortunate we have this option. How does this work, with Medicare? Our plan will require us to sign u...
by ResearchMed
Mon Jul 11, 2016 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3655

Re: Do you have any retiree healthcare benefit from your employer?

Yes. We are already grandfathered into a much "better" retiree plan than those with fewer years of service. The current (employee) health insurance plan is excellent, and there is a heavy subsidy for those at lower income levels. The retiree plan will operate a bit differently, given that ...
by ResearchMed
Mon Jul 11, 2016 10:01 am
Forum: Investing - Theory, News & General
Topic: Anyone have "revolving tilts"?
Replies: 39
Views: 1724

Re: Anyone have "revolving tilts"?

For example, perhaps you had a REIT tilt in a tax advantaged account for the last 10 years and it's done quite well. But now the p/e ratio is quite high and this is making you nervous. Since you have a desire for increased risk, willing to deviate from a total market approach and accept you cannot ...
by ResearchMed
Sun Jul 10, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Email compromised: How serious?
Replies: 42
Views: 2630

Re: Email compromised: How serious?

I guess it is not that LinkedIn compromised your e-mail password which LinkedIn would never have known in the first place, right? It is that your e-mail was used to identify you to LinkedIn and your LinkedIn password was compromised? This is what I'm assuming, but it isn't quite clear from the exch...
by ResearchMed
Sat Jul 09, 2016 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Credit cards
Replies: 29
Views: 2215

Re: Getting rid of Credit cards

What does worry me now is forgetting a bill, not being able to pay for it. Old people lose track of things. :confused Oh the credit limit is high enough. in fact i would prefer it lower. Call and have the credit limit lowered. I would like to do that. but wonder if they might think I am nuts> how m...
by ResearchMed
Sat Jul 09, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Employment ideas for former Police?
Replies: 37
Views: 2468

Re: Employment ideas for former Police?

University Security, plus if your children are pre-college age, you may get free tuition for them. Lots of ex-police work in University Security. You'll be in good company. Also, I know two retired cops who went into teaching. One ex-detective, after teaching for several years, is now dean of disci...
by ResearchMed
Sat Jul 09, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: New bed recommendations- disabled wife
Replies: 6
Views: 626

Re: New bed recommendations- disabled wife

Hi all, I'm looking for recommendations for a new bed. My wife and I are both very light sleepers. Also my wife has chronic Lyme disease which causes pain in her arms. So our current mattress which sags quite a bit is no good because it puts extra weight onto the arm that is leaning more in the cen...
by ResearchMed
Sat Jul 09, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Appreciation (VDAIX) and Vanguard High Dividend Yield (VHDYX)
Replies: 20
Views: 1022

Re: Vanguard Dividend Appreciation (VDAIX) and Vanguard High Dividend Yield (VHDYX)

Dividend Appreciation tracks the Nasdaq US Dividend Achievers Select, while High Dividend Yield tracks the FTSE High Dividend Yield Index. It seems to me the first index would be better for gains at this time. Do you think High Dividend yield somewhat mimics Vanguard Equity-Income? The obvious ques...
by ResearchMed
Sat Jul 09, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Appreciation (VDAIX) and Vanguard High Dividend Yield (VHDYX)
Replies: 20
Views: 1022

Re: Vanguard Dividend Appreciation (VDAIX) and Vanguard High Dividend Yield (VHDYX)

The obvious question is: why no admiral shares for high dividend yield ? I don't get it either! It's been around for about a decade. It would be nice for those who don't want to deal with ETF's. I found it even more odd that when Vanguard started the International High Dividend Yield Index (VIHAX) ...
by ResearchMed
Sat Jul 09, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Appreciation (VDAIX) and Vanguard High Dividend Yield (VHDYX)
Replies: 20
Views: 1022

Re: Vanguard Dividend Appreciation (VDAIX) and Vanguard High Dividend Yield (VHDYX)

Dividend Appreciation tracks the Nasdaq US Dividend Achievers Select, while High Dividend Yield tracks the FTSE High Dividend Yield Index. It seems to me the first index would be better for gains at this time. Do you think High Dividend yield somewhat mimics Vanguard Equity-Income? The obvious ques...
by ResearchMed
Fri Jul 08, 2016 10:42 pm
Forum: Personal Consumer Issues
Topic: resort fees at hotels mandatory?
Replies: 34
Views: 2790

Re: resort fees at hotels mandatory?

Declining the key would make a lot of sense, but their mini bars don't have keys. I don't know why the alcohol just can't sit in there untouched. Maybe the guests are afraid they might drink it while sleepwalking. Never given a key to a mini bar. Why would they lock them when there are people who w...
by ResearchMed
Fri Jul 08, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Can we start another forum section? [Taxation of Social Security benefits]
Replies: 60
Views: 4384

Re: Can we start another forum section?

All of the questions about "what is the hump" support the idea that others would benefit when questions are asked about topics that were previously not known to some.

RM
by ResearchMed
Fri Jul 08, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Can we start another forum section? [Taxation of Social Security benefits]
Replies: 60
Views: 4384

Re: Can we start another forum section?

I post alot on the forum and I am really not sure I follow. Some of the best advice I have read is from folks at all different income and wealth levels. In my opinion, it would be a challenge to draw a line in the sand. Indeed, it is useful to have a variety of perspectives. Those who are past the ...
by ResearchMed
Fri Jul 08, 2016 10:04 am
Forum: Investing - Theory, News & General
Topic: UK REIT Suspends Redeptions - Brexit Swan
Replies: 15
Views: 1898

TREA question -- Re: UK REIT Suspends Redeptions - Brexit Swan

The autocorrect on this device is vicious. For diets read r e I t s I'm speculating that this may be more like the TIAA CREF real estate fund that directly owns real estate. Would that be accurate? One special feature of TREA (that TIAA Real Estate Account) is that there is a liquidity guarantee ba...
by ResearchMed
Thu Jul 07, 2016 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Treat Social Security (and Pension) Like Bonds and Maximize Equities?
Replies: 16
Views: 1472

Re: Treat Social Security (and Pension) Like Bonds and Maximize Equities?

Collective Wisdom needed... Financial advice articles often emphasize shifting your bond and equities mix as you age (aggressive to conservative) or just opt for a lifestyle fund you set and forget and it adjusts overtime according to age. Because you need equities growth to counter inflation and a...
by ResearchMed
Wed Jul 06, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Go After American Airlines?
Replies: 45
Views: 3978

Re: Should I Go After American Airlines?

(I don't think they are allowed to overbook any more. I don't think that's correct. Reasonable overbooking increases overall efficiency. Airlines are certainly allowed to overbook AFAIK, though the penalties have increased a bit: https://www.transportation.gov/briefing-room/us-department-transporta...
by ResearchMed
Wed Jul 06, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)
Replies: 55
Views: 2938

Re: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)

My wife and I have lived in the same decaying Ohio town for 47 years. Both of our families are from this area but most of them have all sprawled out of this town into the suburbs or further across the state where there is more job opportunities. We are both young retirees with no children. For many...
by ResearchMed
Tue Jul 05, 2016 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Go After American Airlines?
Replies: 45
Views: 3978

Re: Should I Go After American Airlines?

...I called AA and inquired about possibility of returning one of the tickets... Is "one of the tickets" what you said? How would they have known which passenger's ticket to cancel? :shock: I did tell the AA rep which person in my party may not be able to go. Then isn't this credit what y...
by ResearchMed
Thu Jun 30, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Handling "drive-by" doctoring bills following surgery?
Replies: 61
Views: 5713

Re: Handling "drive-by" doctoring bills following surgery?

I have no particular expertise in this field just personal experiences. My wife was hospitalized last July for knee replacement. Surgery went very well with a complete recovery. She did as you and made sure all Dr were in network and they billed properly. Several months later came the mystery Dr bi...
by ResearchMed
Thu Jun 30, 2016 6:41 pm
Forum: Investing - Theory, News & General
Topic: Betterment's market timing move.
Replies: 5
Views: 813

Re: Betterment's market timing move.

I think this from the article may be the most significant aspect of Betterment's move and a good reminder for robo clients: "Nevertheless, the decision reminded users and non-users alike that there are actual humans making decisions behind the robo-advisers. "There is always going to be a...
by ResearchMed
Thu Jun 30, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: Betterment's market timing move.
Replies: 5
Views: 813

Re: Betterment's market timing move.

Betterment's move to halt trading following Brexit vote sparks controversy; "The notion they would halt trading on a 2% market drop; I was very surprised,” he adds, echoing the opinion of other advisers. “I couldn’t imagine if Vanguard would ever do the same thing." Betterment didn't even...
by ResearchMed
Thu Jun 30, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: Suggestions for temporary housing during renovation
Replies: 4
Views: 342

Re: Suggestions for temporary housing during renovation

Keep in mind that large renovation projects often take longer than planned. You probably don't want to have to move again, especially with children, and perhaps on shorter notice. A one year lease might be less per month anyway, so you might not end up paying all that much extra - depending upon the...
by ResearchMed
Thu Jun 30, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Boston area teardown bubble? Sign of a housing downturn ahead?
Replies: 74
Views: 4256

Re: Boston area teardown bubble? Sign of a housing downturn ahead?

Those were beautiful towns, with large green areas back in the day. I hope they aren't being ruined with McMansions. There is such a limited amount of buildable land in some of the closer-in "burbs", that there is severe pressure on subdividing lots (where permitted) or tear-downs/rebuild...
by ResearchMed
Wed Jun 29, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Need help getting Gmail back
Replies: 31
Views: 2503

Re: Need help getting Gmail back

As a last resort, you could try calling your old phone number and ask the new owner if he can read the verification code from google. The number was a business phone, which is no longer in use by anyone. Rick Can you add that number as a ring-mate number to one of your current phone numbers (if you...
by ResearchMed
Wed Jun 29, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Complicated Situation with Father (Future Care)
Replies: 10
Views: 1325

Re: Complicated Situation with Father (Future Care)

If you really think these other people have been "robbing him blind", then contact the local Elder Affairs agency (might have different name in your location). This could be elder abuse, financial. The same agency might be able to help with "where should he go" to get proper care...
by ResearchMed
Tue Jun 28, 2016 12:01 pm
Forum: Investing - Theory, News & General
Topic: 31 Things to help manage financial affairs
Replies: 3
Views: 524

Re: 31 Things to help manage financial affairs

Bogleheads: Harry Sit, the erudite editor of The Finance Buff , has listed 31 things he does to manage his financial affairs. It is a good list for Bogleheads to consider: Contribute to retirement plan at work, ideally to the maximum allowed by law. Invest in index funds and/or ETFs. Pay your credi...
by ResearchMed
Sat Jun 25, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to help my parents with LTC needs.
Replies: 25
Views: 1910

Re: Trying to help my parents with LTC needs.

I am not POA, they are probably mostly competent at this point, just housebound and having increasing medical needs but not willing to relinquish control of their affairs. If they are reluctant to give anyone POA, it would probably help if you got one first. Talk about how it will benefit you and w...

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