Search found 4313 matches

by ResearchMed
Mon May 22, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: I'm calling "tails" on all the tosses of this coin...
Replies: 11
Views: 1105

Re: I'm calling "tails" on all the tosses of this coin...

It's very real-- I've looked at it under magnification and bright light It's a Fine plus (not quite VF grade) with the stamping not quite 180 out from each other Quite unique as far as I can tell Wow. Have you Googled for similar coins? Can you send a photo of it to a specialist (e.g., someone you ...
by ResearchMed
Mon May 22, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: I'm calling "tails" on all the tosses of this coin...
Replies: 11
Views: 1105

Re: I'm calling "tails" on all the tosses of this coin...

Calling all coin collectors-- While I've been a numismatic collector for years and have encountered other "error " coins, I've never seen one of these: I found a genuine Lincoln wheat cent with both being a reverse -- no heads at all and it's clearly an original strike Obviously I can't t...
by ResearchMed
Mon May 22, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Need advice from FF miles experts
Replies: 23
Views: 1468

Re: Need advice from FF miles experts

You want to be sure that you can actually book reasonable flights. Doing this for a family can become near impossible at times. We did a lot of trips to Aruba from Boston and Bradley and found that the best use of miles for us was to pay for the initial coach tickets and then immediately upgrade wi...
by ResearchMed
Mon May 22, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Need advice from FF miles experts
Replies: 23
Views: 1468

Re: Need advice from FF miles experts

It depends if you are likely to have a need for higher priced tickets. As an example, we are using 85k points each, to fly from the USA to Japan, First Class on Japan Air Lines. ("Cash price" of that varies between about $12k-17k *each*, depending upon when I look. But we would *NEVER* co...
by ResearchMed
Mon May 22, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Need advice from FF miles experts
Replies: 23
Views: 1468

Re: Need advice from FF miles experts

It depends if you are likely to have a need for higher priced tickets. As an example, we are using 85k points each (one way), to fly from the USA to Japan, First Class on Japan Air Lines. ("Cash price" of that varies between about $12k-17k *each* (one way), depending upon when I look. But ...
by ResearchMed
Mon May 22, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Keeping credit score up
Replies: 20
Views: 1353

Re: Keeping credit score up

You are overdramatizing. Your score is outstanding and you do not need to worry about it. We don't have a mortgage and just paid off a 0% car loan, so I will come back here and humblebrag about how much our credit score dropped in a couple weeks. And BTW, we were able to get a 0% car loan even thou...
by ResearchMed
Sun May 21, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit profile question
Replies: 2
Views: 179

Re: Credit profile question

I'm not familiar with all of the new Amex programs, but have you phoned them to ask if they can give you "your" tenure length? A few years ago, I switched to DH's Amex Plat, as a supplemental cardholder. I hadn't had Amex for a few years, myself. When I got the supplemental card for his ac...
by ResearchMed
Sun May 21, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: 81 Year Old Mother - Buying House to "Rent" to Her?
Replies: 23
Views: 2221

Re: Advice Needed: 81 Year Old Mother - Buying House to "Rent" to Her?

Does the attorney know about that $~$40k?
That might affect the bankruptcy, or at least the timing.
If the attorney doesn't yet know, it might be worthwhile to pass that info along before any other meetings.

Good luck!

RM
by ResearchMed
Sun May 21, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 219
Views: 42760

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Glad you have made so much progress, but it must have been *tedious* (and stressful!). About the newly found money... My guess is that the first thing, with respect to the "aid" she's received, is that the aid will need to be paid back. Given the court case documentation, there shouldn't b...
by ResearchMed
Sun May 21, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1603
Views: 246527

Re: What's Your Credit Card Rewards Strategy?

I've seen the Prestige mentioned. I was thinking of getting one. If I get the annual travel credit twice that is $500 and then you get $400/$500 in points ($500 if used for travel). AF is $450. Also lounge access and no foreign transaction fees. I already have Global Entry so that reimbursement doe...
by ResearchMed
Sun May 21, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Watching elderly family members burn money
Replies: 17
Views: 2454

Re: Watching elderly family members burn money

Quick question. You mentioned that she'd been buying cars this way "for a while now". Is there any chance she is suffering from some cognitive difficulties? I can understand her auctioning the house and big things (especially like a tractor, as pointed out above). But not letting family ha...
by ResearchMed
Sat May 20, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Why buy travel insurance when some credit cards offer it for free
Replies: 8
Views: 1152

Re: Why buy travel insurance when some credit cards offer it for free

When going outside the US, even if only to Canada, I pay what's usually very little for medical and medical repatriation insurance. If my credit card offered the same thing for no additional charge I would use its. I never buy trip cancellation or interruption insurance, because I only insure again...
by ResearchMed
Sat May 20, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: How to sell a house?
Replies: 22
Views: 1866

Re: How to sell a house?

We had one of these companies help very elderly MIL "get rid of stuff" and pack the rest, for a move cross country to an assisted living facility near us. We had another company meet the van and "unpack her". Thank you so much for these long, informative posts about moving your ...
by ResearchMed
Sat May 20, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905372

Re: U.S. stocks in freefall

That was a rough one but I rode it out and didn't sell. :mrgreen: :sharebeer At which point would you sell? Hopefully never , though retired I'm still in the accumulation phase. I feel for those who need their investments to pay the bills. [emphasis added] Say what!? I've rarely seen such a condesc...
by ResearchMed
Sat May 20, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: house issue with number of rooms
Replies: 18
Views: 1758

Re: house issue with number of rooms

In two separate regions of the country, we've had a house with a full "walk-out basement". Proper sized windows, etc., not "tiny basement windows high up on the wall. Both backed into a hill (one a gentle slope, one a steeper hill). One is almost 100 years old, one we designed and bui...
by ResearchMed
Sat May 20, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905372

Re: U.S. stocks in freefall

That was a rough one but I rode it out and didn't sell. :mrgreen: :sharebeer At which point would you sell? Hopefully never , though retired I'm still in the accumulation phase. I feel for those who need their investments to pay the bills. [emphasis added] Say what!? I've rarely seen such a condesc...
by ResearchMed
Thu May 18, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Death in family a week before cruise
Replies: 30
Views: 3409

Re: Death in family a week before cruise

Sorry to hear of your situation. On the trip insurance thought (a hindsight now), I'm not even sure if it would cover your wife's grandmother, as I believe (but not certain) that it would only cover immediate family members? Someone else noted used travel insurance for a "relative" but I ...
by ResearchMed
Thu May 18, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to sell a house?
Replies: 22
Views: 1866

Re: How to sell a house?

For helping them with the "stuff", whichever way the rest of it goes, given that some needs to be kept, you might want to find someone who helps with "elder moving". "Cleaning out" is where they usually start. They can also assist with the actual move, and help someone...
by ResearchMed
Thu May 18, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Upcoming travel plans with electronics
Replies: 22
Views: 1568

Re: Upcoming travel plans with electronics

Not really related to your question, but I just learned that we could by insurance for $24/year to cover our $750 camera, even for dropping and damaging it, and we can cancel after the camera returns from an overseas trip. As for the computer, we have a rider that is very cheap but with a deductibl...
by ResearchMed
Thu May 18, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: 81 Year Old Mother - Buying House to "Rent" to Her?
Replies: 23
Views: 2221

Re: Advice Needed: 81 Year Old Mother - Buying House to "Rent" to Her?

I sympathize, I am in a very similar situation. My 81 year old mom lives alone in a tiny town in PA, I currently live across the country in WA. Her house is paid off but it is huge and old: 4 floors, 4 bedrooms, and filled to the brim with junk (hoarder). It's also in dire need of maintenance, my d...
by ResearchMed
Thu May 18, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to sell a house?
Replies: 22
Views: 1866

Re: How to sell a house?

Team Bogleheads: I'm curious on your thoughts about the following scenario. There seem to be several options and I'll lay out my rough approach. An elderly couple (80s) needs to sell their house after living there for 40 years. -House needs renovating. Concrete foundation is slightly caving due to ...
by ResearchMed
Thu May 18, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Individual Health Insurance
Replies: 9
Views: 830

Re: Individual Health Insurance

sawhorse wrote:
Katietsu wrote:Also check with your potential school.

Yes, every school I'm familiar with offers an insurance plan for students that is usually pretty good.


Some schools require the students take their insurance unless the student provides proof of adequate insurance coverage elsewhere.

RM
by ResearchMed
Thu May 18, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Paying balance of costly ambulance ride
Replies: 18
Views: 1024

Re: Paying balance of costly ambulance ride

Here is a question, IF the ambulance company won't "play nice" with insurance payments - and we do not yet know from you (OP) if that is the situation. But if so, did the Clinic call the ambulance rather than calling 911? Is there any possibility that they called a "partner" ambu...
by ResearchMed
Thu May 18, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Paying balance of costly ambulance ride
Replies: 18
Views: 1024

Re: Paying balance of costly ambulance ride

A few weeks ago I suffered a pretty serious injury during a sporting event I was playing in. Game officials drove me to an urgent care center, but the care center decided I need to go to the hospital ER and arranged for an ambulance, a local supposedly non-profit ambulance association. It was a 7 m...
by ResearchMed
Thu May 18, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Death in family a week before cruise
Replies: 30
Views: 3409

Re: Death in family a week before cruise

Bogleheads, hope all is well. We have a cruise schedule to depart on the 27th. My wife's grandmother was just put in hospice care. We didn't purchase insurance when I booked it. Is there anything I can do if she passes away before the cruise? A quick Google sounds like they are tough on giving any ...
by ResearchMed
Thu May 18, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: National Law Review on "Inconsistent Rulings" on 403b cases
Replies: 5
Views: 458

Re: National Law Review on "Inconsistent Rulings" on 403b cases

... Has the one of the Schlichter cases, the one that got bounced back from the Supreme Court to the Appellate (I think - mostly a good thing for Schlichter) been heard again yet? RM Yes, the Edison Brothers case has been the subject of two CTA9 decisions post-SCOTUS. The latest is a December 2016 ...
by ResearchMed
Thu May 18, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Upcoming travel plans with electronics
Replies: 22
Views: 1568

Re: Upcoming travel plans with electronics

I would have thought to just use Fedex. But the cost.... Picking Berlin out of the hat for originating destination, and a 4KG package to Tennessee, the "international economy" (aka 5-6 day) rate comes to $222.86. Which is more than buying a Chromebook in Berlin and throwing it away before...
by ResearchMed
Thu May 18, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: National Law Review on "Inconsistent Rulings" on 403b cases
Replies: 5
Views: 458

Re: National Law Review on "Inconsistent Rulings" on 403b cases

If you are interested in more details on this, you might want to take a look at the results Schlichter has obtained in the 401k area as well... He's been successful at this for a long time. This seemed to be a nice summary of some of the key points. Has the one of the Schlichter cases, the one that...
by ResearchMed
Thu May 18, 2017 6:18 am
Forum: Investing - Theory, News & General
Topic: National Law Review on "Inconsistent Rulings" on 403b cases
Replies: 5
Views: 458

National Law Review on "Inconsistent Rulings" on 403b cases

http://www.natlawreview.com/article/update-university-section-403b-cases-inconsistent-rulings This short piece from yesterday mentions a few specific aspects of the cases: -- Offering higher expense fund share classes; -- Offering too many choices; -- Having too many record keepers; And finally, -- ...
by ResearchMed
Thu May 18, 2017 6:02 am
Forum: Personal Consumer Issues
Topic: Upcoming travel plans with electronics
Replies: 22
Views: 1568

Re: Upcoming travel plans with electronics

I have a long planned Baltic cruise coming up in a couple of weeks. I generally travel with a lot of electronics - Kindle, semi-pro camera, laptop etc. However the recent news about potential cabin bans of larger-than-cellphone electronics has me concerned. I don't want to have to put this stuff th...
by ResearchMed
Mon May 15, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Searching For A Walking Shoe Without Inside Seams
Replies: 5
Views: 590

Re: Searching For A Walking Shoe Without Inside Seams

I have great sensitivity in my feet. I wear prescription foot orthotics and New Balance shoes (M1540v2, with a roll bar). My discomfort stems, in part, from the fact that the seams on the inside of the shoes press into the skin on the top side of my feet. I am looking for a comparable shoe without ...
by ResearchMed
Mon May 15, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to stay on a budget?
Replies: 31
Views: 3119

Re: How to stay on a budget?

We are trying to cut down on expenses and increase savings.. However, we have never had any luck sticking to a budget since we generally have enough left over to max our tax deferred accounts and some leftover. We have tried two different ways: 1. Make a budget. We stick to it for a week or two, th...
by ResearchMed
Mon May 15, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Rental Property to Tenant
Replies: 10
Views: 687

Re: Selling Rental Property to Tenant

Hello! Sorry if this thread is repetitive with others; I did a search on a few subtopics and decided that my situation and questions were unique enough to warrant a post. Situation: We became accidental landlords about 4 years ago. Property values have risen enough such that we have decided to sell...
by ResearchMed
Mon May 15, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6386

Re: The recent WannaCry ransomware

Re the advice to "Backup your systems," pay special attention to "Make sure you have offline backups." This ransomware encrypts data on all accessible drives on your network . If you leave a backup drive connected then that data will be compromised as well. And of course "T...
by ResearchMed
Mon May 15, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: mirror or clone my windows 10 HD?
Replies: 10
Views: 726

Re: mirror or clone my windows 10 HD?

I'm not sure "mirror" applies to your situation. I think you either want to "clone" or create a backup "image" of your entire system. To me, "mirroring" is when you have copies of a file or folder in more than one location and you want them to stay in sync (l...
by ResearchMed
Mon May 15, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: staying the course (goals met but rolling backwards)
Replies: 18
Views: 982

Re: staying the course (goals met but rolling backwards)

Try living on one income for a year, as if you only had your income (ie still meeting your savings goals from that one income). Maybe one of you will change your mind. Even if it doesn't change anything, you'll save some extra dough. that's a great idea, we're doing a 6 month pilot. We're currently...
by ResearchMed
Sat May 13, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: 81 Year Old Mother - Buying House to "Rent" to Her?
Replies: 23
Views: 2221

Re: Advice Needed: 81 Year Old Mother - Buying House to "Rent" to Her?

I think you should consider an apartment or a small condo in a senior community rather than another house at 81. It's wonderful that she still feels like working at 81, but unfortunately things can change overnight in our 80's. Will you and she be able to afford full-time help after a fall or a hip...
by ResearchMed
Sat May 13, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6386

Re: The recent WannaCry ransomware

All I know is what I read, but: "So people who've been using their modern operating system - so Windows 7 and so on or who've been keeping up to date with their Windows patches - should have been completely secure against this vulnerability." Matt Tait, of Capital Alpha Security in the Un...
by ResearchMed
Sat May 13, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6386

The recent WannaCry ransomware

Is this correct, that the malware was really "only" a problem on older, unsupported Windows XP systems? http://www.cnbc.com/2017/05/13/microsoft-issues-highly-unusual-windows-xp-patch-to-prevent-massive-ransomware-attack.html It seems a patch had already been issued for the more recent and...
by ResearchMed
Sat May 13, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Afraid I may have been hacked
Replies: 18
Views: 2687

Re: Afraid I may have been hacked

I doubt it will get worse. Seems to be getting better Imo, unless you're not keeping your os patched and up to date. Getting hacked by a preview message with a up to date system is very rare. We don't have preview enabled. It's simply opening the email that is the potential problem, one that we pre...
by ResearchMed
Sat May 13, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Anybody have "Haven" experience on Norwegian Cruise Lines?
Replies: 1
Views: 420

Re: Anybody have "Haven" experience on Norwegian Cruise Lines?

My wife and I booked ourselves in a Haven suite on Norwegian later this year. We've sailed them before but never upgrade ourselves to this extent. I lurk the Cruise Critic forum sometimes but don't post there. Wondering if any BH cruisers may have done this type of upgrade before. I think the bigge...
by ResearchMed
Sat May 13, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Afraid I may have been hacked
Replies: 18
Views: 2687

Re: Afraid I may have been hacked

How could you be hacked by replying to an email message? Seems like that term becomes more and more losely used these days. Just pay attention to your browser address bar, don't open up email attachments and set UAC to high. How this could happen is precisely what has been discussed in the previous...
by ResearchMed
Fri May 12, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Early Delivery of Child - How best to adjust Insurance/Benefits?
Replies: 8
Views: 1103

Re: Unexpected Early Delivery of Child - How best to adjust Insurance/Benefits?

Hello folks, I recently had an early landing of our dependent. I was really hoping to get some more research time in, but alas, that isn't an option. That said, the baby will be in the NICU from anywhere between 2-3 months. I'm thanking myself I went with the HDHP, because that was the easiest Max ...
by ResearchMed
Fri May 12, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: TIAA settles Fiduciary case brought by *own* employees
Replies: 3
Views: 582

Re: TIAA settles Fiduciary case brought by *own* employees

This is pretty interesting: http://www.investmentnews.com/article/20170512/FREE/170519961/tiaa-to-pay-5m-in-401-k-excessive-fee-suit?NLID=daily&NL_issueDate=20170512&utm_source=Daily-20170512&utm_medium=email&utm_campaign=investmentnews&utm_visit=405045&itx Apparently TIAA E...
by ResearchMed
Fri May 12, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: TIAA settles Fiduciary case brought by *own* employees
Replies: 3
Views: 582

TIAA settles Fiduciary case brought by *own* employees

This is pretty interesting: http://www.investmentnews.com/article/20170512/FREE/170519961/tiaa-to-pay-5m-in-401-k-excessive-fee-suit?NLID=daily&NL_issueDate=20170512&utm_source=Daily-20170512&utm_medium=email&utm_campaign=investmentnews&utm_visit=405045&itx Apparently TIAA Em...
by ResearchMed
Fri May 12, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences/vacations - how much do people do
Replies: 24
Views: 2075

Re: Experiences/vacations - how much do people do

I never thought it would happen with me, being an avid gadget fan, but as I progress into middle age (48), I have started valuing vacation trips even more than stuff. I fortunately was able to resist the siren song of expensive sports cars, but spent money on other things like expensive sound syste...
by ResearchMed
Fri May 12, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Afraid I may have been hacked
Replies: 18
Views: 2687

Re: Afraid I may have been hacked

I once opened an Email from a friend and my computer crashed right then. That Email was a chain Email and probably had pre-opened attachments. I could not restart, had to bring my computer to a Geek who deleted everything and downloaded new software. Cost was $150. I wonder why my friend could rece...
by ResearchMed
Thu May 11, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Primary and Contingent Benficiary Question
Replies: 7
Views: 283

Re: IRA Primary and Contingent Benficiary Question

As I understand it, the contigent beneficiaries only get something if the primary has pre-deceased you. ... or the primary disclaims some/all of the inheritance. Well, yes. But that wouldn't be known in advance, in terms of what is desired vs. what is arranged currently. The best of intentions.... RM
by ResearchMed
Thu May 11, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Primary and Contingent Benficiary Question
Replies: 7
Views: 283

Re: IRA Primary and Contingent Benficiary Question

I was discussing this scenario with someone today. Let's say that I set up my IRA so that my wife is the primary beneficiary and my children from a prior marriage are the contingent beneficiaries. And my wife has a will that says that her own kids, from a prior marriage, are her sole heirs. We both...
by ResearchMed
Thu May 11, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Afraid I may have been hacked
Replies: 18
Views: 2687

Re: Afraid I may have been hacked

The vast majority of email phishing compromises are delivered either through an attachment or URL link. You'd need to open the file attachment, or click the link, to be compromised. In those circumstances, no, just opening the email without touching the link/attachment will not compromise you. Howe...

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