Search found 3768 matches

by ResearchMed
Mon Dec 05, 2016 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Life-changing event just happened. Seeking portfolio review and guidance
Replies: 33
Views: 2036

Re: Life-changing event just happened. Seeking portfolio review and guidance

<snip> Hi. No idea how long; he is looking everywhere and is working on a non-traditional path to get his teacher's license, which he would love. It may be he could teach summer school and then full time in the fall. Our daughter is an amazing girl; she has not a greedy bone in her body and we have...
by ResearchMed
Sun Dec 04, 2016 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: buying land without realtor- advice
Replies: 9
Views: 487

Re: buying land without realtor- advice

Hello, I am 40 years old, married, 3 kids. We are looking at purchasing more land that came up for sale near our current hunting shack/property. This is in Northern Minnesota. I currently own 80 acres, and the parcel that came up is similar in size. We have spoken with the current owner and have ag...
by ResearchMed
Sun Dec 04, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 23
Views: 1658

Re: Sous Vide?

My mom would like a sous vide device to try her hand with different recipe experiments in the coming year. Any recommendations for specific brands/types? any tips in general? Thank you. I'd love to know if retail devices (for "civilians" :wink: ) actually can work as well as professional ...
by ResearchMed
Sun Dec 04, 2016 10:58 am
Forum: Investing - Theory, News & General
Topic: Is it Legal for a Company to buy its own shares ?
Replies: 9
Views: 1075

Re: Is it Legal for a Company to buy its own shares ?

I have money invested in a company that is trading in its own shares as a means of trying to stimulate market interest and create "fake" volume. I know that certain countries have made this practice illegal - but as this is a US based company I wondered if there were any similar restricti...
by ResearchMed
Sat Dec 03, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Options for selling a house
Replies: 7
Views: 491

Re: Options for selling a house

Plans are to move in mid-2017. As part of the planning stage, we're looking at ways to sell the house. Options are: 1. Use a 6% realtor. Pro: Motivated agent to attract interested buyers Con: 6% off the top 2. Use a 4% realtor Pro: save 2% as compared to the 4% with a smaller commission, agent shou...
by ResearchMed
Fri Dec 02, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Anyone use a tankless hot water heater???
Replies: 26
Views: 2303

Re: Anyone use a tankless hot water heater???

Be careful to make sure will have enough capacity for house. We were talked by new plumber into replacing old 50 gallon water heater with expensive German tankless system, he assured us it would have capacity for our 6 bedroom house. It is big understatement to say that my wife was not happy to fin...
by ResearchMed
Fri Dec 02, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: Need advice on a ski location
Replies: 22
Views: 1624

Re: Need advice on a ski location

My DW and I are looking for a ski trip this this winter somewhere out west. The particular state is not that important but I am hoping to pick your brains to see because I am looking for something in particular. Here is my list of preferences - The hotel must be ski in/out - The hotel also needs to...
by ResearchMed
Fri Dec 02, 2016 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Life-changing event just happened. Seeking portfolio review and guidance
Replies: 33
Views: 2036

Re: Life-changing event just happened. Seeking portfolio review and guidance

<snip> Q’s and concerns: 1. I need to roll the Transamerica 401K over to his Vanguard to consolidate. 2. I am scared to death of making an allocation mistake. This is all we have for retirement. I need to revamp the % allocations and there could be other funds I should be considering. 3. What to do...
by ResearchMed
Fri Dec 02, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Just got a PENALTY letter from IRS...
Replies: 4
Views: 1105

Re: Just got a PENALTY letter from IRS...

Hi fellow Bogleheads- So, about one year ago a colleague of mine and I started a consulting firm that we formed as an S Corporation. We were pretty busy during March of last year, so we filed an extension for our S Corp tax return (1120S). We thought we had until October 15 to file this; turns out ...
by ResearchMed
Fri Dec 02, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 29
Views: 1255

Re: CBP (INS) Global Entry program worth it?

I take international flights several times a year, always at rush hour with massive lines through immigration. It's not unbearable (typical 45 min), but just enough to miss some local transportation connections at the end of a very long day. It finally occurred to me that it might be worth it to sp...
by ResearchMed
Thu Dec 01, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: European Riverboat Tours
Replies: 14
Views: 1316

Re: European Riverboat Tours

Considering a European riverboat tour for Sept '17. Prefer a smaller ship with fewer passengers (sounds antisocial, but we prefer DIY travel, and previously we were on a cruise to Bermuda with a Cecil B.deMille cast *S*). Any suggestions re: cruise companies? Thank you in advance. Have a look at ht...
by ResearchMed
Thu Dec 01, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for HNW Retirees
Replies: 12
Views: 949

Re: Credit Card for HNW Retirees

we are also taking money out of Roth/IRA on a auto-withdrawal into dedicated accounts to show that we have income above the SS and rental. Stupid. Money is already held in cash (Discretionary) but Banks want to see "regular income" Yes, one thing we found and others report is that lenders...
by ResearchMed
Wed Nov 30, 2016 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 24
Views: 3297

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

RM, When you come off the employer plan (at 67, for me--I wanted to take advantage of "free"), then you likely want another secondary insurance plan. Only if you and your dependent have lifetime employer coverage, would you not want a secondary plan to Medicare. By the time I was 67, one ...
by ResearchMed
Wed Nov 30, 2016 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retiree - Mortgage...not...
Replies: 10
Views: 1079

Re: Early Retiree - Mortgage...not...

It's the 10% penalty. Had the same thought and brought it up with the lender. No dice, it seems since 2008 the major banks have over compensated. I'm thinking that I should talk to local or smaller banks to see if they have any flexibility. It seems rather difficult to find an institution that does...
by ResearchMed
Wed Nov 30, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 24
Views: 3297

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

Interesting point, Watty - In fact, my insurer DID cancel my insurance when I turned 65, leading to some complications. However, I was able to quicly reinstate it, and it has paid claims for the last 7 months. But you are right, in one sense - insurers seem to assume that when you turn 65, you are ...
by ResearchMed
Wed Nov 30, 2016 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retiree - Mortgage...not...
Replies: 10
Views: 1079

Re: Early Retiree - Mortgage...not...

My wife and I are in a similar situation. Both retired, my wife receives social security and a pension. I'm not collecting SS yet. So our monthly review stream is moderate - 4K/month. We contacted Wells Fargo, Citibank and Chase - with our net worth they could impute a monthly revenue stream. All t...
by ResearchMed
Wed Nov 30, 2016 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for HNW Retirees
Replies: 12
Views: 949

Re: Credit Card for HNW Retirees

I know that credit card companies want to know your income. How about if your income is not that high, but you have significant wealth that is liquid? In this scenario, the income is irrelevant to one's ability to pay one's card on a monthly basis. Anyone with experience with dealing with this situ...
by ResearchMed
Wed Nov 30, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6029

Re: Should I buy a new car for safety's sake?

I'm just glad I survived driving for 10 years a 1970 VW Bus with a thin piece of sheet metal between me and eternity! Yikes, what memories. And it was like driving a billboard in the wind. Not fun on narrow 2-lane roads... Back in the day, when H#1 and I showed up in our HippieVan at MIL's with her...
by ResearchMed
Wed Nov 30, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6029

Re: Should I buy a new car for safety's sake?

Reading this thread makes me wonder how the US and other car centric societies survived given the death traps we all were in until 2017 cars came around. The answer, of course, is that a lot of people didn't survive. The traffic death rate in 1921 was about 240 deaths per billion vehicle miles trav...
by ResearchMed
Wed Nov 30, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6029

Re: Should I buy a new car for safety's sake?

why3not wrote:Reading this thread makes me wonder how the US and other car centric societies survived given the death traps we all were in until 2017 cars came around.


Well, not all members of the "car centric societies" did in fact survive.

"More", in percentage terms, do now.

RM
by ResearchMed
Wed Nov 30, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retiree - Mortgage...not...
Replies: 10
Views: 1079

Re: Early Retiree - Mortgage...not...

Hey folks, I've run into an issue that surprised me. My wife and I have retired early with substantial assets accumulated through a Boglehead philosophy and living well below our means. We're looking to move now that the kids are out of the house and are unable to get a standard mortgage. The lende...
by ResearchMed
Wed Nov 30, 2016 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Need some mortgage advice
Replies: 23
Views: 1933

Re: Need some mortgage advice

Best the original lender could come up with was 4.125 with borrower paid MI and 4.5 with lender paid, so not close enough to warrant staying with them. He is still skeptical of their 4% lender paid offer. Waiting for disclosures from new lender to make sure its actually legit. You ARE going to cont...
by ResearchMed
Wed Nov 30, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6029

Re: Should I buy a new car for safety's sake?

orca91 wrote:So, everyone should drive a Chevy Suburban or Dodge Ram 3500 just for safety's sake? :happy


Hummer!
(original big one, not the H2 or H3 wimpy versions :D )

RM
by ResearchMed
Wed Nov 30, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6029

Re: Should I buy a new car for safety's sake?

Assuming you don't drive aggressively and that you are not a terrible driver, anti-lock brakes, airbags, and decent crash ratings on a 2007 will serve you fine. You also don't seem to drive that much. If you are aggressive, careless, or simply uncomfortable driving during inclimate conditions, ESC ...
by ResearchMed
Wed Nov 30, 2016 11:31 am
Forum: Investing - Theory, News & General
Topic: Are stocks over bought as of late?
Replies: 17
Views: 1581

Re: Are stocks over bought as of late?

What does "overbought" (or "oversold") actually mean? Whatever the stock market is "at", there were enough buyers and sellers to balance things at the moment. Absent a fast crash, why is just the "bought" or "sold" emphasized at times? (And even with...
by ResearchMed
Tue Nov 29, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Need some mortgage advice
Replies: 23
Views: 1933

Re: Need some mortgage advice

I don't know what would happen if you started the underwriting process with the 2nd lender while still proceeding along with your current lender. I just don't think it's done. Both lenders will probably be mad at you for potentially wasting their time and there could be wasted fees on a second appr...
by ResearchMed
Tue Nov 29, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Need some mortgage advice
Replies: 23
Views: 1933

Re: Need some mortgage advice

I don't know what would happen if you started the underwriting process with the 2nd lender while still proceeding along with your current lender. I just don't think it's done. Both lenders will probably be mad at you for potentially wasting their time and there could be wasted fees on a second appr...
by ResearchMed
Tue Nov 29, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Rate Question
Replies: 7
Views: 588

Re: Tax Rate Question

I am trying to assist a couple with their personal finance and investing. There are some hurdles to get over before this will probably be relevant but the goal would be to have this worked out to be in effect for 2018. I have not done this level of analysis before so this is a good test for me but ...
by ResearchMed
Tue Nov 29, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Need some mortgage advice
Replies: 23
Views: 1933

Re: Need some mortgage advice

I would not be thrilled about changing lenders within 2 weeks of the closing date. You would have to push the closing date back and I hope the seller will be OK with that. How did they not have a rate lock done before now? I know people will float rates but getting within 2 weeks of closing seems c...
by ResearchMed
Tue Nov 29, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 40060

Re: Tesla X

14th out of 15th. Could be worse! http://money.cnn.com/2016/11/28/autos/tesla-model-x-consumer-reports/index.html?iid=ob_homepage_deskrecommended_pool Tesla's super-hot Model X SUV just took a beating in Consumer Reports magazine. The verdict: "fast but flawed." "In spite of its virt...
by ResearchMed
Mon Nov 28, 2016 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Bank for tenant security deposit
Replies: 12
Views: 959

Re: Bank for tenant security deposit

When we had rental property it was required by law to put the security deposit in an escrow account. Check on your state. This ^ And there may or may not be a requirement to keep it in a *separate* interest-bearing account. Even if it's not required to be kept separate, IF an "interest-bearing...
by ResearchMed
Mon Nov 28, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Bank for tenant security deposit
Replies: 12
Views: 959

Re: Bank for tenant security deposit

When we had rental property it was required by law to put the security deposit in an escrow account. Check on your state. This ^ And there may or may not be a requirement to keep it in a *separate* interest-bearing account. Even if it's not required to be kept separate, IF an "interest-bearing...
by ResearchMed
Fri Nov 25, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5194

Re: My Bonds Are Enraging Me

Thanks everyone. I have much to learn. I think from now on I'll look at my returns only once a year. That's one strategy that can work. Another strategy is to look at your returns regularly and learn that there are a lot of fluctuations due to noise, and they're not worth worrying about. This is wh...
by ResearchMed
Thu Nov 24, 2016 10:58 pm
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 60
Views: 5012

Re: What IS this? Salad tongs for elves?

What does a Victorian Lady's bicycling purse look like?

:confused

RM
by ResearchMed
Thu Nov 24, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 60
Views: 5012

Re: What IS this? Salad tongs for elves?

I can't tell from the original photo at the top. Are there flat or soft surfaces on the inside of each "side"? The "skirt lifters" do have that. If not, then this device might damage the fabric, even if only slightly, from the stronger pressure of just the outline of the edges. RM
by ResearchMed
Thu Nov 24, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 2402

Re: World Travel Insurance, Worth it?

We use travel insurance for all of our major trips recently, but we've never had particularly long trips. We do have MedJetAssist, which is very specific: If one ends up as an INpatient, at least 150 miles from home, then their coverage kicks in. You can call them, and they will medevac you to the ...
by ResearchMed
Thu Nov 24, 2016 12:27 am
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 2402

Re: World Travel Insurance, Worth it?

We use travel insurance for all of our major trips recently, but we've never had particularly long trips. We do have MedJetAssist, which is very specific: If one ends up as an INpatient, at least 150 miles from home, then their coverage kicks in. You can call them, and they will medevac you to the h...
by ResearchMed
Tue Nov 22, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: I just fired my son - trying to teach about hard work and money
Replies: 37
Views: 3854

Re: I just fired my son - trying to teach about hard work and money

I do some side work at home repackaging small signs for an Amazon seller. For the last few days, with my kids on break, I've enlisted their help. The older ones are able to attach the needed stickers and the younger ones are able to stack them into the boxes and help with packaging. I pay them a fe...
by ResearchMed
Mon Nov 21, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Why does it take days for return credits back to credit cards?
Replies: 4
Views: 543

Re: Why does it take days for return credits back to credit cards?

Friends, I was just wondering why does it take 3-5 business days (usually) for a vendor to return credit to your credit card after a merchandise return? This is after the returned merchandise has been inspected and accepted for return credit. The vendors certainly don't hesitate to charge your card...
by ResearchMed
Mon Nov 21, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Previously Foreclosed Properties
Replies: 8
Views: 1123

Re: Previously Foreclosed Properties

I wouldn't worry about it. Homes get foreclosed on for many reasons, and many of them aren't ever in poor condition even during the foreclosure process. I purchased a duplex directly out of foreclosure years ago. It was occupied by tenants and was in fine shape, the investor had just gone bankrupt ...
by ResearchMed
Sat Nov 19, 2016 8:51 pm
Forum: Investing - Theory, News & General
Topic: Private lending question
Replies: 9
Views: 888

Re: Private lending question

You can afford to LEND the money.

Can you afford to lose it? All of it?

That might be much more likely to occur than you realize.
There is a reason why the company is not getting conventional financing.

RM
by ResearchMed
Fri Nov 18, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 102072

Re: What's Your Credit Card Rewards Strategy?

just wanted to share my experience with the difference between two 100,000 miles/points redemptions: I flew to Japan last month and used 100k AA miles for two business class tickets going there one way. This turned out to be a lie flat seat that was equivalent to first class for the 13 hour flight ...
by ResearchMed
Thu Nov 17, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with moving a house - literally
Replies: 13
Views: 1179

Re: Anyone have experience with moving a house - literally

Make sure to let us know what you find out! Like others, seen it done, but have never done it. Yes, if you do it, and it doesn't seem inappropriate, maybe you could post a photo of the house going down the middle of some street. I wish I had had a camera that time I saw it. (It was long before cell...
by ResearchMed
Thu Nov 17, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with moving a house - literally
Replies: 13
Views: 1179

Re: Anyone have experience with moving a house - literally

So the college in my town is offering up three structures for "free" if you are willing to move them. One of the structures is a 3-4 bedroom house with two baths in good shape at about 2200 sq ft. Now obviously there are lots of things to consider - for instnace, this particular house is ...
by ResearchMed
Wed Nov 16, 2016 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Spouses with no interest in investing]
Replies: 62
Views: 5821

Re: spouses that careless about investing

This is a marriage problem, not a financial problem. A few hours with a therapist might do wonders for your marriage and your finances! My wife isn't terribly interested in finance (I was surprised this week when she didn't let me lend out Jonathan Clement's new book because she wanted to read it) ...
by ResearchMed
Tue Nov 15, 2016 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: sites to check price quotes
Replies: 2
Views: 202

Re: sites to check price quotes

Any good site to check daily price quotes for mutual funds? For example if I go to finance.google.com to see VCAIX, the price quote still has a time label of Nov. 14 (which is incorrect). On finance.yahoo.com, the price quote is correct, but the return (-1.36%) is incorrect. (thanks but let's not d...
by ResearchMed
Tue Nov 15, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: Liver
Replies: 43
Views: 4771

Why? Re: Liver

Look up recipes for "Chopped Liver". It is generally made with sautéed onions and hard boiled egg. And some liver. :happy When done "right", it's chicken liver, and the "fat" is rendered chicken fat. Nothing else comes close. Yum. But to OP : I love liver (chopped or o...
by ResearchMed
Tue Nov 15, 2016 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Buy Admiral Shares with No Minimum Requirements!
Replies: 7
Views: 1383

Re: Buy Admiral Shares with No Minimum Requirements!

I didn't know that Vanguard funds were like this when purchased elsewhere, but we've got a few funds at Vanguard from other fund families where we did not need to meet the stated minimum (per the fund family's posted info). One example is PIMCO, where one can get the Institutional share class at Van...
by ResearchMed
Mon Nov 14, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 45
Views: 4185

Re: Products to cope with other drivers' LED headlight

I'm having severe difficulty coping with LED headlights. The end of daylight saving time has made it clear how many more cars have LED lights than last winter. I am considering giving up night driving, except that I literally cannot do so. I have no alternative. There is no way that I am a safe dri...
by ResearchMed
Mon Nov 14, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Are all high-efficiency washers ridiculously LOUD?
Replies: 31
Views: 1669

Re: Are all high-efficiency washers ridiculously LOUD?

Is this only or primarily on the spin cycle? Are you *sure* it is fully/properly leveled? We've had one for about 15 years, and there's never been a problem with too much sound, although I wouldn't want it right in a room that is being used. Ours is in a utility room on the lower level, but that's ...

Go to advanced search