Search found 4215 matches

by ResearchMed
Sun Apr 23, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 23
Views: 1099

Re: Alaska cruise advice

Spend an extra day or two, three. in Seattle or Vancouver before embarking. After Debarking, visit Portand and Columbia Gorge for 2 days. Oh, I should mention, I live in Seattle, which is why we're looking at Seattle (or maybe Vancouver) as the embark/debark point. Been to Vancouver/Portland many t...
by ResearchMed
Sun Apr 23, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 67
Views: 5645

Re: Any regrets living a frugal life for high income/high networth individuals?

I am Top 5th percentile networth for my age group (40-49) and top 2-3% income with no debt thanks to being frugal and being a boglehead now for 10 yrs. We drive > 8 yr old cars and have a remodeled but modest house In a middle to upper middle class area worth about 650k. We can afford a house twice...
by ResearchMed
Thu Apr 20, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Booking united award tickets with 2 accounts
Replies: 13
Views: 1262

Re: Booking united award tickets with 2 accounts

There is often a charge to "transfer points" between accounts, but perhaps UA doesn't have this? We've needed to use both of our accounts a few times, and by phone, we did 3 legs (2 outbound, one return) on one account, and the other return on the other account. Both itineraries were linke...
by ResearchMed
Wed Apr 19, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Medical Alert Services
Replies: 11
Views: 740

Re: Medical Alert Services

You might also check with your parent's community first responders to see what systems they would recommend. take care. Now, that is a "why didn't I think of that" suggestion! :wink: But they might not be allowed to recommend? But a "what would you use for your parent" type of q...
by ResearchMed
Wed Apr 19, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: fil moved, now outside of kaiser service area, what to do?
Replies: 10
Views: 1040

Re: fil moved, now outside of kaiser service area, what to do?

Fil recently moved, always had Kaiser, senior advantage i think. Now he's complaining that Kaiser told him he's outside their service area after he moved. What are his options? He really likes Kaiser, the closest one is about 20 miles away. It sounds like there are two issues: One is the distance t...
by ResearchMed
Tue Apr 18, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 34
Views: 3397

Re: Weight loss and investing

We have a similar "strategy" to monitor both weight loss and investment gain. For weight loss (which is not an "all the time" situation, but, shall we say, "too often"), we make note of each "new low", and don't get upset when the current weight isn't a new lo...
by ResearchMed
Tue Apr 18, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Medical Alert Services
Replies: 11
Views: 740

Re: Medical Alert Services

My 77 year-old father had a fall recently (no injuries, fortunately), and I'm interested in buying a medical alert service for him. Unfortunately, after a weekend of Googling (and subsequent tons of ads cleverly disguised as independent reviews), I'm even more confused than ever; I was wondering wh...
by ResearchMed
Tue Apr 18, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: What is the max SS income you could receive this year?
Replies: 38
Views: 4142

Re: What is the max SS income you could receive this year?

This may be silly, but does everyone who worked the requisite number of years at SS ceiling-or-above salary get the same max SS benefit, regardless of which year they retired? Also, when the FRA increases, there won't be as many years 'til "age 70" and maximum benefit. Is that "8% per...
by ResearchMed
Tue Apr 18, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity ethics moving to Vanguard
Replies: 35
Views: 3742

Re: Fidelity ethics moving to Vanguard

Welcome to Bogleheads, Danya. You might have a surprise benefit, if that helps. If you are ending a "managed" account, and transferring to a self-managed account of $300k at Vanguard, you'll probably recoup that $600 pretty fast, by *not* paying the fees associated with a managed account. ...
by ResearchMed
Tue Apr 18, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 127
Views: 11109

Re: Do you have an umbrella policy?

Recently increased our umbrella from $1M to $2M, cost went from about $200/y to $300/y. Have 3 cars, a boat, and 2 houses, one of which is a vacation rental. We went up to $5M on the umbrella when we purchased and started renting out our future retirement home, and at the same time had a teenager s...
by ResearchMed
Sat Apr 15, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: How does family of 4 spend $1,500/mo on groceries?
Replies: 25
Views: 1803

Re: How does family of 4 spend $1,500/mo on groceries?

Both adults like to cook. If they cook expensive things with "gourmet" ingredients, that can run up the cost. There must be cook books for low cost meals out there. The other factor in lowering costs is to move towards low or no meat dishes. Ingredients like brown rice, beans, lentils, fr...
by ResearchMed
Sat Apr 15, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1518

Re: How to avoid heath care surprises?

It is impossible to spend more than the OPM. That is why you should not have any worries because you know your max. That's not true on my plan, and I suspect on most. You can't spend more than the OPM on covered medical expenses, but if it doesn't count as covered, it doesn't count toward the OPM. ...
by ResearchMed
Thu Apr 13, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: When need and want take different paths.......
Replies: 30
Views: 2223

Re: When need and want take different paths.......

Let's suppose you are retired and your financial future is secure. ... as in pension and SS pay all the bills and your investments pay for frills, toys and travel easily. Let's further suppose you had an unscratched car itch that could be handled without any strain despite being at a number that st...
by ResearchMed
Thu Apr 13, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requesting a certified power of attorney
Replies: 7
Views: 859

Re: Vanguard is requesting a certified power of attorney

Note: Background for this question can be found in the following thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=206067&p=3268853#p3268853 I'm trying to move my mother's taxable investment account from Janney Montgomery Scott to Vanguard. Mom has dementia, which means that I am...
by ResearchMed
Thu Apr 13, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: CREF Stock QCSTIX vs ?
Replies: 12
Views: 345

Re: CREF Stock QCSTIX vs ?

To RM & Aristotelian, I have decided that I do not want the annuity option available in my 403.b. I can move my money to an IRA with TIAA or an outside IRA with e.g. Fidelity. There are 57 different mutual funds that I could invest in with a TIAA IRA. The one with the highest 10 year annualized...
by ResearchMed
Thu Apr 13, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: CREF Stock QCSTIX vs ?
Replies: 12
Views: 345

Re: CREF Stock QCSTIX vs ?

Hi RM, I can move the money to an outside IRA at any time. My 403.b plan is CUNY--and there are hundreds of choices--which is why I'm asking for suggestions. Many thanks, Peg M That's great, to have both options. However, you might still want to list your choices within your 403b. You may have some...
by ResearchMed
Thu Apr 13, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: CREF Stock QCSTIX vs ?
Replies: 12
Views: 345

Re: CREF Stock QCSTIX vs ?

Hi all! Currently I hold CREF Stock QCSTIX in my 403.b. Over the past 10 years, annualized return is 5.3% (approx.). Does anyone know a better choice within TIAA? I'm looking for growth, not income. BTW, I know there are better choices outside TIAA (e.g. Fidelity Spartan Total Market Index). The de...
by ResearchMed
Tue Apr 11, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Viewing Northern Lights (the full colors)
Replies: 17
Views: 1518

Re: Viewing Northern Lights (the full colors)

Luck plays a big role. It's possible to see the bright, colorful northern lights with the naked eye if you have a clear night and the conditions are right. You could also get a dull, gray set of northern lights (to the naked eye) that looks colorful in a photo. I would normally recommend taking a t...
by ResearchMed
Mon Apr 10, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Viewing Northern Lights (the full colors)
Replies: 17
Views: 1518

Viewing Northern Lights (the full colors)

We are going to take a cruise in Norway next year, in hopes of seeing some Northern Lights. And if not, it will be spectacular scenery. I've read that the flashy colors are often not actually all that visible to the naked eye, that they show up more with a photo or video. One person reported seeing ...
by ResearchMed
Sun Apr 09, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: To claim or not to claim (collision insurance) that is the question
Replies: 10
Views: 656

Re: To claim or not to claim (collision insurance) that is the question

Nope ResearchMed - the relative is from abroad - his insurance wont apply in the US. My insurance (like any standard car insurance in the US) should follow the car. So as long as he had my consent (he did) it should be no problem for Safeco to cover. Right. If both are insured in the USA, I do wond...
by ResearchMed
Sun Apr 09, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: To claim or not to claim (collision insurance) that is the question
Replies: 10
Views: 656

Re: To claim or not to claim (collision insurance) that is the question

Is there any chance that the relative has insurance that would cover both types of damage?

(I'm not at all sure how the order of claims would work in a case like this, or which, if any, insurer would try to recover from the other insurer.)

RM
by ResearchMed
Sun Apr 09, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2592
Views: 675333

Re: What Movie Have You Recently Watched?

Just watched "Contact" again. I hadn't remembered some details quite right, but I sure did remember the essence. When the Jodie Foster character is testifying at the end, it gets ... deeper than one might have expected. And then there is the subsequent scene about timing [trying to avoid s...
by ResearchMed
Sun Apr 09, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 100
Views: 4002

Re: Require Access to School Records?

I'm trying to suggest something...The fact that you would even mention not only checking the grades, but conferences with teachers IN COLLEGE suggests to me that maybe to your daughter you have gone way past some line in her mind. I would never have conceived if possibly speaking to a college profe...
by ResearchMed
Sun Apr 09, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 100
Views: 4002

Re: Require Access to School Records?

gasdoc,

Are you sure this "sharing of information" permission really applies to speaking directly with instructor types, and not just "grades" or other general progress status information?

I'm way out of date on this stuff, but still...

RM
by ResearchMed
Sun Apr 09, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 42
Views: 3986

Re: Avoiding shafting my local merchants with card fees

seems like a reach to assume companies don't stay in business simply due to 'credit card fees' and that social unrest (loud parties) arise as a result. Correlation doesn't imply causation. It doesn't merely seem like a reach, it definitely is a reach. But my interest in the welfare of local busines...
by ResearchMed
Sun Apr 09, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: My 72 year old father is looking for advice on where to park ~$300K
Replies: 20
Views: 2290

Re: My 72 year old father is looking for advice on where to park ~$300K

other than in savings accounts where it currently sits. he is thinking about CD's but i imagine there has to be a better place to put the money for the time being. i think he's just hoping to do better than the minuscule interest it's earning in a savings account while still limiting risk as much a...
by ResearchMed
Sun Apr 09, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 2044

Re: Trip Ideas - San Francisco & Northern CA

Following! We have a conference in SF this summer, and plan a few extra nights north of San Francisco, after a night or two in Sausalito. We stayed there a few years ago, and are eager to spend a bit of time there again. Mostly interested in sights that can be accessed, or get close to, by car. (Sli...
by ResearchMed
Fri Apr 07, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Cost of Booze on a Cruise
Replies: 68
Views: 6388

Re: Cost of Booze on a Cruise

Which cruise line are you considering? Was looking at Norwegian, Holland America, Celebrity or Viking River cruises. But never having been on any cruise, I'm mostly looking for an interesting trip and probably fun ports to visit. Other factors are where you are cruising, what time of year, and how ...
by ResearchMed
Fri Apr 07, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Cost of Booze on a Cruise
Replies: 68
Views: 6388

Re: Cost of Booze on a Cruise

I have not been on a cruise, but am considering one in the fall. Is this fascination with alcohol and the best ways to get alcohol on board a common theme for cruising? It sounds like a major on board activity may be drinking, which likely would not be of much interest to me. The cruise line is rea...
by ResearchMed
Fri Apr 07, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: friend has roofing small biz, how to accept credit cards?
Replies: 11
Views: 697

Re: friend has roofing small biz, how to accept credit cards?

Needs an account with a commercial bank that provides merchant processing services. A bank like US Bank, Wells, Citi, JPM, FifthThird, SunTrust, etc. All the major banks have the ability to process merchant transactions, but your friend will "pay" for it - if he uses a terminal he'll have...
by ResearchMed
Fri Apr 07, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: friend has roofing small biz, how to accept credit cards?
Replies: 11
Views: 697

Re: friend has roofing small biz, how to accept credit cards?

Friend has a small roofing business, has his contractors license, wants to take credit cards. How does he go about this and what other type of payment/credit options can he provide to his clients? We went through this process a few years ago, but after checking a few other vendors, each with dreadf...
by ResearchMed
Fri Apr 07, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Flights with limited pre-assigned seating benefits
Replies: 49
Views: 2684

Re: Flights with limited pre-assigned seating benefits

I have crossed the Pacific about 60 times (round-trips). Mostly in coach. I would not purchase a ticket that had anything greater a zero percent possibility of being in a center-coach-seat for 12-14-16 hours. And yes, it happened to me, flying from Frankfurt to India on Lufthansa. Picked a decent a...
by ResearchMed
Fri Apr 07, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Cost of Booze on a Cruise
Replies: 68
Views: 6388

Re: Cost of Booze on a Cruise

You never garnered pride or glee from trying to break a rule and getting away with it? Nope. I am just a 60 year old, law-abiding citizen. "Law or no law" issue aside, we're with Jimmie. There are so many and far more interesting and creative ways for us to experience "pride", a...
by ResearchMed
Thu Apr 06, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 42
Views: 3986

Re: Avoiding shafting my local merchants with card fees

I'm shopping for new credit cards for my parents. I'm aware that the "interchange fee" varies based on card benefit level (here's a guide): https://www.helcim.com/us/pricing/visa-mastercard-interchange-rates/ For example the interchange rate set by Visa for a Visa Debit is as low as .8% +...
by ResearchMed
Thu Apr 06, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: STEM & "coding" toys for little ones ?
Replies: 41
Views: 3227

Re: STEM & "coding" toys for little ones ?

Sorry I didn't explain the "We'd love to sit with them on visits to help get started, but the goal is something that they could also do on their own." from my initial post. These are not our children , but they are children we are becoming very, very fond of, and same with their parents (t...
by ResearchMed
Thu Apr 06, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Unique position
Replies: 17
Views: 1036

Re: Unique position

I have very recently found this forum, and I'm not surprised that so many people hold this philosophy. I have been studying the stock market and I am coming to the unfortunate realization that unless I get lucky, I'm probably not going to get way ahead by picking my own stocks. I will still leave a...
by ResearchMed
Thu Apr 06, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: STEM & "coding" toys for little ones ?
Replies: 41
Views: 3227

STEM & "coding" toys for little ones ?

I just stumbled across this list of STEM/coding toys: http://www.workingmother.com/stem-toys-teach-kids-to-code#page-4 Do any of you have any direct experience with toys that would help pre-schoolers to *enjoy* these types of activities, on this list or not? (Also, are there any such toys that are s...
by ResearchMed
Wed Apr 05, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Flights with limited pre-assigned seating benefits
Replies: 49
Views: 2684

Re: Flights with limited pre-assigned seating benefits

I regularly travel overseas on 16+ hour flights and always pay up for the bulkhead seating. I can't physically sit in other coach seats otherwise because the distance from my hip to knee it longer than from seat back to seat back. The do have more knee room but perhaps not anymore room to stretch o...
by ResearchMed
Mon Apr 03, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 5969

Re: Weird house buying experience

We are fully aware that we will end up spending money on those scenarios and we are fine with that. The only thing we are not fine with is the failure to get an accurate price sheet until AFTER we negotiated. You aren't grasping what virtually everyone (dozens of posters) are trying to tell you. Th...
by ResearchMed
Sun Apr 02, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 5969

Re: Weird house buying experience

My two cents. First from reading this post, I don't think dbr has the exact scenario right when he says: So my understanding is that in the end you all agreed to a house priced with two golden winchers by mistake. They found their mistake and deleted one of the golden winchers but they didn't reduc...
by ResearchMed
Sun Apr 02, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: World Cruises
Replies: 7
Views: 886

Re: World Cruises

For awhile now, I've been browsing on and off for world cruises - favoring those that stop at exotic locations not otherwise easy to get to without separate and more expensive multiple trips - for example, locations in the South Pacific. I realize that port stops aren't going to offer a comprehensi...
by ResearchMed
Sun Apr 02, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 5969

Re: Weird house buying experience

No-one thinks this is an underhand practice? Presenting the price as X, making buyer negotiate of X, then in the final paperwork buyer finds out they should have been negotiating off X-1k? It sounds like you've been dealing with the builder for some time. How have they been in general, from the fir...
by ResearchMed
Sun Apr 02, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 5969

Re: Weird house buying experience

No-one thinks this is an underhand practice? Presenting the price as X, making buyer negotiate of X, then in the final paperwork buyer finds out they should have been negotiating off X-1k? It sounds like you've been dealing with the builder for some time. How have they been in general, from the fir...
by ResearchMed
Sun Apr 02, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Cost of Booze on a Cruise
Replies: 68
Views: 6388

Re: Cost of Booze on a Cruise

Please note that on any cruise from the port of embarkation, you are allowed to take two bottles of 759 ml wine bottles. This is a good cost saver. Needs to be carried with you and not in checked in bag. Has to be wine in 750 ml bottle or smaller size. That is can't be beer or liquor You really nee...
by ResearchMed
Fri Mar 31, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: advice on where to put money at age 55 to secure savings in the event of market crash
Replies: 35
Views: 3672

Re: advice on where to put money at age 55 to secure savings in the event of market crash

I am a 51 year old attorney. My goal is to retire from the practice at age 59 1/2. I am a conservative investor but have saved a lot over the years. I am happy with a lower return and have based my future on socking away my earnings. I am concerned that there will be another market crash within the...
by ResearchMed
Fri Mar 31, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Someone To Be In Charge of Moving
Replies: 6
Views: 456

Re: Someone To Be In Charge of Moving

Soon I will be moving out of the house where our kids were raised and we lived for 25 years. I'm single now and will be downsizing to an apartment or probably townhouse. The thought of moving/selling/trashing stuff is stressing me out. I'm fairly well off. Meaning I'd like to just pay someone to be...
by ResearchMed
Wed Mar 29, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208235

Re: What's Your Credit Card Rewards Strategy?

Interesting. So you would have to add up the miles required for 2 separate flights together? How would the number of miles required work? Make sure you have enough time to get to your next plane? I wonder if the layovers would be especially long doing it this way. I assume if they strung the legs /...
by ResearchMed
Tue Mar 28, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Air Travel from Vancouver BC to Denver
Replies: 8
Views: 524

Re: Air Travel from Vancouver BC to Denver

I'm planning a trip, and am finding conflicting information about Customs procedures when flying back to the US (connection in Denver) from Vancouver BC (YVR.) If anyone has done this fairly recently and could clarify the process (and maybe amount of time required) I'd appreciate it. I don't have a...
by ResearchMed
Sun Mar 26, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208235

Re: What's Your Credit Card Rewards Strategy?

In asking my question this week about the use of points to fly from the East Coast to Europe, I'm getting feedback that often fares are low enough, that I may want to pay cash instead - and save the points, presumably for more expensive routes, etc. So here's the follow up question - I'm not crazy ...
by ResearchMed
Sat Mar 25, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance
Replies: 7
Views: 543

Re: Travel insurance

Absolutely suggest that you contact http://www.TripInsuranceStore.com In your case, I'd try to make a point to speak directly with Steve (he *will* call back unless he's on vacation himself, etc.). You'll want to discuss what costs/risks/insurance your daughter actually needs, before you can really ...

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