Search found 4022 matches

by ResearchMed
Sun Feb 19, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2407
Views: 606290

Re: What Movie Have You Recently Watched?

Just watched Lost in Translation again, getting ready for our first trip to Japan in the spring. For some reason, it seemed a bit more of a "downer" than the previous time we watched it (last year). It was still wonderful to see the various locations and activities, and it definitely furth...
by ResearchMed
Sun Feb 19, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: capital gains on sale of home
Replies: 6
Views: 399

Re: capital gains on sale of home

This is a hypothetical so I can figure out how the numbers work. I am trying to figure out what I would pay in capital gains on the sale of my primary residence in CA that I purchased in 2009 for 1 million. My husband and I are both 40 years old and this was our first home. If we sell for 1.7 milli...
by ResearchMed
Sat Feb 18, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: How important is 401k/403b's greater protection against creditors?
Replies: 15
Views: 862

Re: How important is 401k/403b's greater protection against creditors?

Many bankruptcies are due to major medical problems, which typically aren't predictable. Having excellent medical insurance helps with the actual medical expenses, although not always quite as much as expected (obviously this will vary). But what about loss of a job for an extended period, or inabil...
by ResearchMed
Fri Feb 17, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 27
Views: 2112

Re: Cruise suggestions.

OP here. We are looking at a Viking Ocean Cruises trip to Israel and Greece with a departure from Rome plus stops in Naples and Cyprus. Viking has a good reputation with river cruises but ocean stuff is new for them so I am wondering about lots of stuff. There are no comments about this particular ...
by ResearchMed
Fri Feb 17, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have experience with Fidelity BrokerageLink?
Replies: 14
Views: 436

Re: Does anyone have experience with Fidelity BrokerageLink?

I used brokeragelink at Fidelity in my 401K at a previous company. I really miss it as my current 401K at Fidelity doesn't offer it. It's important to note that the specifics of how brokeragelink is set up may be different for each company's 401K plan. At my previous company we could have up to 90%...
by ResearchMed
Fri Feb 17, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Interesting study on impact of providing investors feedback
Replies: 24
Views: 715

Re: Interesting study on impact of providing investors feedback

Your: "So you don't get credit for higher returns simply because you took more risk. But you are technically correct anyway. It isn't "credit" that we care about. It's those "higher returns" due to being willing and able to take some "more risk". RM Yes. Typically...
by ResearchMed
Fri Feb 17, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: Interesting study on impact of providing investors feedback
Replies: 24
Views: 715

Re: Interesting study on impact of providing investors feedback

ResearchMed I have NO idea how you draw that conclusion. It doesn't apply in any way to what I wrote. What we are simply talking about is measuring things properly. Larry Your: "So you don't get credit for higher returns simply because you took more risk. But you are technically correct anyway...
by ResearchMed
Fri Feb 17, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: Interesting study on impact of providing investors feedback
Replies: 24
Views: 715

Re: Interesting study on impact of providing investors feedback

EHENGINEER Sorry IMO have it exactly backwards. One should care about the risk adjusted returns, meaning they adjust returns for the exposure to factors, like stocks and value and small. So you don't get credit for higher returns simply because you took more risk. Larry Taking this to an extreme wo...
by ResearchMed
Fri Feb 17, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3397

Re: Vanguard seems to have gone off the grid

I had split my $ between Fido and Vanguard just for this reason. Then last year I combined it all into Vanguard. Maybe not such a good idea. I will give them this one, but if it happens again, I guess I will take half back to Fidelity. Dan999 You split your money so you wouldn't have to deal with 1...
by ResearchMed
Fri Feb 17, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3397

Re: Vanguard Web Site Down?

Still can't get in, but different "symptom".

It just sits and spins. No message, "no nothing".

Sigh.
Yup, we'll ALWAYS have money in at least two different places.

Edit: Finally "in".

RM
by ResearchMed
Fri Feb 17, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3397

Re: Vanguard Web Site Down?

Now you can log in but account info not available. What a freaking joke...the day before a three day weekend and at market open. This is poor. They need an IT overhaul. Right. " Your account information is temporarily unavailable We apologize for the inconvenience. Please try again later, or c...
by ResearchMed
Fri Feb 17, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Interesting study on impact of providing investors feedback
Replies: 24
Views: 715

Re: Interesting study on impact of providing investors feedback

http://www.etf.com/sections/index-investor-corner/swedroe-investors-respond-feedback The results are quite interesting I thought. Hope you find it helpful Larry Interesting article/study. But what does "When this study was controlled for attrition, the authors were unable to explain their resu...
by ResearchMed
Fri Feb 17, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3397

Re: Vanguard Web Site Down?

Also can't get in. However, oddly, "is it down" shows the Vanguard site is *up*. Haven't seen that happen before (showing "up" when can't get in). RM Vanguard's front page is up. It's the back-end account pages that are down. That probably throws off Is It Down? Agree, front pag...
by ResearchMed
Fri Feb 17, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3397

Re: Vanguard Web Site Down?

Also can't get in.

However, oddly, "is it down" shows the Vanguard site is *up*.
Haven't seen that happen before (showing "up" when can't get in).

RM
by ResearchMed
Thu Feb 16, 2017 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage fees- Is this reasonable?
Replies: 10
Views: 1019

Re: Mortgage fees- Is this reasonable?

<snip> Third party fees: Appraisal fee - 450 Credit report fee - 35 Flood plus tax service fee - 76 Attorney fee - 1200 Clsg agent fee - 325 Survey (if applicable)- 795 Recording fee - 250 TOTAL - 6316 Escrows: What am I missing such that the "Third party fees" add up to more than $6k? RM
by ResearchMed
Thu Feb 16, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Payment Strategy/Interest Question
Replies: 25
Views: 1213

Re: Debt Payment Strategy/Interest Question

Another way to look at this is to consider what happens to your balance over time. If you have Loans A and B with a longer term on Loan B, you could apply an extra payment against either loan. If you apply it against Loan B, you will earn Loan B's interest rate on the payment, and get the benefit w...
by ResearchMed
Thu Feb 16, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Payment Strategy/Interest Question
Replies: 25
Views: 1213

Re: Debt Payment Strategy/Interest Question

Okay, if you're sure of that. I guess what led me wrong is I heard someone say that if a chunk of principal is paid off it "advances you in the amortization schedule." Thanks If you make an additional principal payment of exactly the principal due in the next month's payment, then it's eq...
by ResearchMed
Thu Feb 16, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1125
Views: 141412

Re: What's Your Credit Card Rewards Strategy?

Maybe this is a dumb question (and maybe my though process is just influenced by the credit vs. cash thread) but how much of this points/miles chasing leads to money spent on trips and vacations that wouldn't have otherwise be spent, thus leading to a net loss despite the credit card rewards? Do yo...
by ResearchMed
Thu Feb 16, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 27
Views: 2112

Re: Cruise suggestions.

I have traveled in my 70s and early 80s, Including in the Mediterranean. I now always purchase trip insurance to protect my investment if I can't go and to pay for medical treatment if needed on the trip, including getting us back home in such a case. We are careful with money and where it is on ou...
by ResearchMed
Wed Feb 15, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Another Newbie Tax Question!
Replies: 15
Views: 449

Re: Another Newbie Tax Question!

Your fund has lost value. But until/unless you sell, you have not lost any money. Some people do sell in this situation in order to "tax loss harvest." Then they buy a slightly different fund. This avoids a wash sale situation while keeping them invested. You can learn about this if you w...
by ResearchMed
Wed Feb 15, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Another Newbie Tax Question!
Replies: 15
Views: 449

Re: Another Newbie Tax Question!

Question one: Back in October 2016 I began my investing life by buying $10k worth of VTSAX, VTIAX, and VBTLX in a taxable account. Being the newbie I am, I completely forgot that I have to pay taxes on those! Therefore I had already e-filed my taxes before I received a notice today that I have a 10...
by ResearchMed
Wed Feb 15, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Another Newbie Tax Question!
Replies: 15
Views: 449

Re: Another Newbie Tax Question!

Question one: Back in October 2016 I began my investing life by buying $10k worth of VTSAX, VTIAX, and VBTLX in a taxable account. Being the newbie I am, I completely forgot that I have to pay taxes on those! Therefore I had already e-filed my taxes before I received a notice today that I have a 10...
by ResearchMed
Wed Feb 15, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1670

Re: Mailed Speeding Ticket via Auto System - Not Driver

you as the owner of the car are responsible for the violation. And the fine was always a lot higher ... plus court costs. Pay the ticket and learn a lesson. Or at least hope you don't get a judge like the ones I've seen in action. I have never had a run in with the law. I am of the impression that ...
by ResearchMed
Wed Feb 15, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Can I roll from an active 401(k) to an IRA?
Replies: 7
Views: 362

Re: Can I roll from an active 401(k) to an IRA?

Of course I know that I can take an old 401k (sitting at an old employer), and roll it to an IRA, but can I take some/all of my current company 401k and roll it to an IRA (in the same simple way I can do it from an old 401k)? Not going to do it (most likely), but just curious. Depends upon whether ...
by ResearchMed
Wed Feb 15, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1670

Re: Mailed Speeding Ticket via Auto System - Not Driver

Your wife was driving it??? Then I don't understand what you are asking. Sounds like your wife is responsible for the ticket. Who do YOU think should pay the ticket?? You keep using the term "written testimony" which is another way of saying "I'll write my pitiful excuse on a piece o...
by ResearchMed
Wed Feb 15, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Another Newbie Tax Question!
Replies: 15
Views: 449

Re: Another Newbie Tax Question!

Question one: Back in October 2016 I began my investing life by buying $10k worth of VTSAX, VTIAX, and VBTLX in a taxable account. Being the newbie I am, I completely forgot that I have to pay taxes on those! Therefore I had already e-filed my taxes before I received a notice today that I have a 10...
by ResearchMed
Wed Feb 15, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1670

Re: Mailed Speeding Ticket via Auto System - Not Driver

I received a speeding ticket in the mail from the Washington D.C. police department for $100 - no points. It was a camera ticket that was recorded using an automated traffic enforcement (ATS) system. I have a few weeks to pay or contest. Three pictures are documented as evidence; a close up of my l...
by ResearchMed
Wed Feb 15, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Kids in Apartment Sharing Bedroom - Workable?
Replies: 50
Views: 2896

Re: Kids in Apartment Sharing Bedroom - Workable?

Regarding "sleeping/bedtime" issues, once the children were old enough for even picture books, I set them up with a little shelf near the head of each bed (these were bunk beds). Each little shelf had a box of Kleenex, and a little light (for those of a certain age, you'll probably remembe...
by ResearchMed
Wed Feb 15, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Social Security on Spouse's Income Question
Replies: 4
Views: 657

Re: Social Security on Spouse's Income Question

I understand that if you are married to someone for one year you can collect spousal benefits assuming that the age and other qualifications are ok. If a previous wife is collecting the benefits as a result of a 12 year marriage followed by a divorce can the new spouse collect benefits also? If a d...
by ResearchMed
Wed Feb 15, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1125
Views: 141412

Re: What's Your Credit Card Rewards Strategy?

You could join AAdvantage Dining and United Dining rewards programs as a means to generate activity to keep your mileage points active, assuming that you live in or visit an area that has participating restaurants. If that's the sole purpose of keeping your two airlines cards, and you don't benefit...
by ResearchMed
Wed Feb 15, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Pop Quiz and Rant - Do you know what ICE stands for?
Replies: 19
Views: 1550

Re: Pop Quiz and Rant - Do you know what ICE stands for?

Immigrations and Customs Enforcement first came to mind (these days). But on cell phones, we each have a display on the front screen, showing even if phone is locked: "ICE: Call <husband or wife, depending upon which phone> at <cell number of other spouse>" No need for anyone to ferret thr...
by ResearchMed
Tue Feb 14, 2017 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Kids in Apartment Sharing Bedroom - Workable?
Replies: 50
Views: 2896

Re: Kids in Apartment Sharing Bedroom - Workable?

<snip> It's amazing that I haven't seen one person against this yet here. There seems to be a tone of dissent when I bring this up in the real world around me, along with the usual "conventional wisdom" that I'm "throwing my money away" renting. I'm used to deflecting that, but ...
by ResearchMed
Mon Feb 13, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1125
Views: 141412

Re: What's Your Credit Card Rewards Strategy?

Booking awards efficiently takes a lot of research, it's almost a science. If you don't thoroughly understand the program then there's a lot you're missing out on. Hi Drew, I assume that's why so many offer this as a service? How would you suggest going about learning the science for yourself? I am...
by ResearchMed
Mon Feb 13, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident - at-fault driver's insurance dragging their feet
Replies: 22
Views: 1493

Re: Car accident - at-fault driver's insurance dragging their feet

My mother was recently in an accident where she was t-boned by a driver who ran a stop sign. The other driver was ticketed. Her car is un-drivable and she doesn't have a spare vehicle. The other driver's insurance is dragging their feet on accepting liability and until they do so they will not prov...
by ResearchMed
Mon Feb 13, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - How much is too much?
Replies: 11
Views: 1023

Re: Homeowners Insurance - How much is too much?

Let's see if I can remember and try to address all the useful comments. Plumbing and electrical systems have been updated. Full, dry basement. Father in law and his brother dug out crawl space, poured footings, and concrete floor. New gas heating system on one side, new oil heating system on other....
by ResearchMed
Mon Feb 13, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Travel Insurance For Frequent Cruiser
Replies: 2
Views: 296

Re: Travel Insurance For Frequent Cruiser

I have a good friend who is a frequent cruiser. Recently his wife got sick...bad cold/flu but nothing serious. So they had to cancel their January cruise. He always gets travel insurance and put in a claim. The insurer is giving him a hassle, saying she was treated for a similar condition 6 months ...
by ResearchMed
Mon Feb 13, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - How much is too much?
Replies: 11
Views: 1023

Re: Homeowners Insurance - How much is too much?

There doesn't happen to be anything crazy like a huge mortgage (or two) from the past (maybe with interest only having been paid?), with a lender requiring the insurance?

Or... a "friendly insurance 'guy' they've known for years"...?

RM
by ResearchMed
Sat Feb 11, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1125
Views: 141412

Airport LOUNGE info - Re: What's Your Credit Card Rewards Strategy?

I just came across this https://www.nytimes.com/2017/02/06/travel/airport-lounges-guide.html?em_pos=large&emc=edit_tl_20170210&nl=travel-dispatch&nlid=21637249&ref=headline&te=1 in the NYTimes, about quite a few premium airport lounges, including some that have day passes. Some o...
by ResearchMed
Thu Feb 09, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Car for Business Travel
Replies: 15
Views: 759

Re: Personal Car for Business Travel

I would call my car insurance first. They may not cover you if you use your car for business. I have to disagree with this. Occasional travel to remote work locations is not considered commercial use of a vehicle. Examples of commercial use are things like: pizza delivery, taxi/uber, plumber's van,...
by ResearchMed
Wed Feb 08, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Life insurance policy question
Replies: 23
Views: 1209

Re: Life insurance policy question

Only those who wrote the whole-life policy can understand it. Probably you'd be better off cashing this thing. Explain why you say I should cash it? I jumped on it in 2013 as it was after a cancer diagnosis. I was 27 and married for 18 months. I was scared for my wife honestly but all has clearly w...
by ResearchMed
Wed Feb 08, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: finding a good estate lawyer (nyc, westchester)?
Replies: 9
Views: 569

Re: finding a good estate lawyer (nyc, westchester)?

Hi, We need to do some fairly straightforward estate planning. I've asked around and have come to believe laymen have little sense if their estate lawyer has done a good job. Also, as one might imagine, cost is high in this area. how did you find your lawyer? How did you determine your lawyer did a...
by ResearchMed
Wed Feb 08, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Not a member using Costco Cash Card
Replies: 5
Views: 559

Re: Not a member using Costco Cash Card

So, as is our custom, we have a "stack" of Costco Cash Cards (CCC) and we use these up and *then* renew our annual membership. To be fair, we also give these out to other non-members as gifts. It is up to them to decide if they want to become members. At the rate we are going, it looks li...
by ResearchMed
Tue Feb 07, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6638

Re: Best CC for Travel

Is there usually food in the lounges? Are drinks free? Yes, there is usually food and drink in these lounges, although the type/amount/quality can vary quite a bit, even within one "brand" of lounge (e.g., Priority Pass, or a specific airline club, etc.). In at least some clubs/lounges, t...
by ResearchMed
Tue Feb 07, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling over an IRA account from a few years ago
Replies: 3
Views: 236

Re: Rolling over an IRA account from a few years ago

That money is already "TIRA money". You aren't contribuing any new money to a tax-deferred account. As described, you would simply be moving TIRA money around. But make sure, if possible, that you have the money transferred directly from one custodian to another. That is, try NOT to have a...
by ResearchMed
Tue Feb 07, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: New mortgage advice
Replies: 9
Views: 502

Re: New mortgage advice

Hello, I will be closing on a new house in 6 weeks. I have locked in an interest rate of 4.125%.30 Year fixed. Purchase price is $307500 I have the option of putting down 20% or putting down 15%. If i put down 15% the monthly PMI would be $60/month until 80% LTV. I ask this because i had the extra ...
by ResearchMed
Tue Feb 07, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buying home - mortgage lender requires repairs - buy in cash instead?
Replies: 6
Views: 808

Re: Buying home - mortgage lender requires repairs - buy in cash instead?

Would the lender consider holding back some amount for the repairs? That might include an extra amount to "help motivate you" to make the repairs, as you'd probably be paying the regular payments that included that amount. I've had that done for major renovations. If these are safety probl...
by ResearchMed
Tue Feb 07, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Gift tax rules?
Replies: 6
Views: 621

Re: Gift tax rules?

I have a few questions about estate tax 1) gift tax exclusion is $5.4M per person or $10.8 for a married couple. Suppose one spouse dies before the other and the survivor inherited the entire estate. Now there is only one person does that person only have a $5.4M limit? 2) There is a yearly thresho...
by ResearchMed
Tue Feb 07, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2407
Views: 606290

Re: What Movie Have You Recently Watched?

"The Crown"- an excellent 10 part series on Netflix streaming about the reign of the current Queen Elizabeth. Great acting, interesting details never known before to the public, very rich photography. It's great all around. There are five more seasons (each 10 episodes) to follow over the...
by ResearchMed
Mon Feb 06, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Convert Low Software
Replies: 13
Views: 758

Re: Convert Low Software

If its a Vanguard fund, just look at the corresponding ETF (assuming there is one) to see its price movement. Note sure about VG but prices for Fido Roth conversions are end of day and you get that price as long as you make your selection by roughly 8 pm. Are you saying that there is a way to buy a...
by ResearchMed
Mon Feb 06, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Convert Low Software
Replies: 13
Views: 758

Re: Convert Low Software

I’m getting ready to begin my Roth Conversion Horse Race for 2017. Does anyone know of any type of prediction software that I can run at say 3PM to give me an idea if a given fund will most likely increase or decrease in value at today’s market close? Fund prices do not change during the day, you h...

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