Search found 3234 matches

by ResearchMed
Tue Feb 09, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 61
Views: 2595

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

1.) Have a separate Credit Card for stored payments on-line and don't use it for anything else. This makes it unlikely that this number will be Breached and so you won't have to change cards when your other one for daily use gets hacked. Wow, i really like that idea. I agree that the worst part of ...
by ResearchMed
Sat Feb 06, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Airllne carry on luggage size: recommendations?
Replies: 24
Views: 1814

Re: Airllne carry on luggage size: recommendations?

we bought Samsung luggage over holidays that advertised as 21". On flight from US to UK, BA had no issues with it. On flight from UK to Asia, the gate rep said that with the handle (a leather one), it is more than 21" and hence checked it to final destination. I now dont even know which i...
by ResearchMed
Fri Feb 05, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Asset Protection - Health Care Costs
Replies: 8
Views: 697

Re: Asset Protection - Health Care Costs

Since these matters involve precise knowledge of both applicable state and federal law - as well as specific information about the types of assets you're trying to protect - seems that general guidance may be somewhat helpful, but I wouldn't advise relying on it. I would recommend discussing such m...
by ResearchMed
Fri Feb 05, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 64
Views: 5568

Re: Anyone travel without hacking?

We don't churn cards, although recently, we've considered it. However, for many years, we've tried our best to purchase *everything* with charge cards that accumulate points. We are in two different "programs", and between the two, we have access to most (not all) airlines. And for a few t...
by ResearchMed
Fri Feb 05, 2016 2:40 pm
Forum: Investing - Theory, News & General
Topic: Today's dumbest investment advice
Replies: 32
Views: 3752

Re: Today's dumbest investment advice

About the author: "After 20 successful years in the IT industry, Saintvilus decided his second act would be as a stock analyst -- bringing logic from an investor's point of view. Richard's work has been featured on CNBC, Yahoo! Finance, MSN Money, Forbes, Motley Fool and numerous other outlets....
by ResearchMed
Fri Feb 05, 2016 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Maxing out then quickly paying off credit cards?
Replies: 18
Views: 1122

Re: Maxing out then quickly paying off credit cards?

I have an upcoming home repair that will be fairly expensive ($20k), however I have the cash to pay for it up front. This got me to thinking - could I run this through my Citi Double Cash card and earn 2% back on this repair? I'd quickly pay off the card as soon as the transaction posts. Do I run t...
by ResearchMed
Thu Feb 04, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Purchasing Business Class Tickets
Replies: 37
Views: 3318

Re: Purchasing Business Class Tickets

When my boss decided to open an office in Athens, Greece, he used his Amex Platinum card to buy his business class ticket which gave him a free companion business class ticket for his wife. Not sure if this feature is still available. However, the Amex Platinum card has a $450 annual fee and also g...
by ResearchMed
Thu Feb 04, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Purchasing Business Class Tickets
Replies: 37
Views: 3318

Re: Purchasing Business Class Tickets

For a 50th, yes, splurge (assuming you can afford it). Do you have a choice of airlines? If so, try to get one with flatbed seats. It makes a difference. Last year, Alitalia switched equipment, and upgraded us from premium economy to business/first, with flatbed seats. It made a huge difference. (We...
by ResearchMed
Tue Feb 02, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Airllne carry on luggage size: recommendations?
Replies: 24
Views: 1814

Re: Airllne carry on luggage size: recommendations?

Ooops sorry... Forgot some important specs: Must have 4 (not 2) SPINNER wheels. Those with 2 wheels no longer seem to fit down airline aisles, and dragging/carrying them sidewise gets very cumbersome. (We can no longer carry heavy loads any distance. When younger, none of that would have been a prob...
by ResearchMed
Tue Feb 02, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Airllne carry on luggage size: recommendations?
Replies: 24
Views: 1814

Airllne carry on luggage size: recommendations?

So as not to hijack the other thread about general quality luggage, I'll start a new one. We'll be on Air Canada soon and also Alitalia (but that's later). These have slightly different size limits (interpretations?) for carry-on: 23 cm x 40 cm x 55 cm (9 in x 15.5 in x 21.5 in ) Wheels and handles ...
by ResearchMed
Mon Feb 01, 2016 11:06 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15729

Re: Unwinding day old terrible car deal for mother-in-law

Hi everyone.. Got on the phone w/ the GM this afternoon w/ my wife. He was annoyed that we "didn't call him sooner" despite calling incessantly since the day after the sale. We went back and forth, and we told him we were not pleased with how she achieved financing. His question is "...
by ResearchMed
Sun Jan 31, 2016 11:49 pm
Forum: Personal Consumer Issues
Topic: "Facebook" running on "network" per resource monitor?
Replies: 12
Views: 945

Re: "Facebook" running on "network" per resource monitor?

Are you logged into chrome (the browser)? Do you have sync enabled? If you do, I'd suspect maybe the browser had saved a Facebook cookie or something(in your Chrome account) (from when Facebook was accessed in your other computer) that triggered things. Just a guess. Is "sync" to sync my ...
by ResearchMed
Sun Jan 31, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: "Facebook" running on "network" per resource monitor?
Replies: 12
Views: 945

Re: "Facebook" running on "network" per resource monitor?

Are you logged into chrome (the browser)? Do you have sync enabled? If you do, I'd suspect maybe the browser had saved a Facebook cookie or something(in your Chrome account) (from when Facebook was accessed in your other computer) that triggered things. Just a guess. Is "sync" to sync my ...
by ResearchMed
Sun Jan 31, 2016 11:06 pm
Forum: Investing - Theory, News & General
Topic: Equal weight index funds
Replies: 46
Views: 3195

Re: Equal weight index funds

VMOM - London Stock Exchange.

Looks to be quite new, per CNBC search and price history.

Interesting.
Had no idea, either.

RM
by ResearchMed
Sun Jan 31, 2016 10:40 pm
Forum: Personal Consumer Issues
Topic: "Facebook" running on "network" per resource monitor?
Replies: 12
Views: 945

"Facebook" running on "network" per resource monitor?

Whoa. I do not participate on Facebook. (DH does, and I doubt that is relevant, but just in case, thought I'd mention it.) We are starting to plan a trip to Europe for May. Using Chrome (Windows 10 on an almost new Lenovo Yoga), I opened a search for a European town, and then map of country, plus se...
by ResearchMed
Sat Jan 30, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Home [Inherited home, mortgage not paid, papers served]
Replies: 6
Views: 954

Re: Home [Inherited home, mortgage not paid, papers served]

It sounds like perhaps this property isn't being carefully maintained (or at least OP may not be fully aware whether it is). If OP has name on title, is there any liability if someone "slips and falls", especially if, say, a walkway is cracked or stairs are broken? (Or "just because&q...
by ResearchMed
Sat Jan 30, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15729

Re: Unwinding day old terrible car deal for mother-in-law

My mother in law is driving over to the dealer as we speak. I told her to request a conference call with her, my wife, the GM, and myself to work something out. GOAL: Completely unwind deal.. get my mother in law's car back. I'm open to other things.. next in line is.. pay them a small fee or somet...
by ResearchMed
Sat Jan 30, 2016 3:36 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15729

Re: Unwinding day old terrible car deal for mother-in-law

Back to the "friend". How long has MIL known this person? Is there *any* chance that this was a calculated "friendship", and the "friend" has "befriended" others who soon need nice, new, shiny cars? Just a thought... If so, you can mumble the "conspiracy&...
by ResearchMed
Sat Jan 30, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15729

Re: Unwinding day old terrible car deal for mother-in-law

How do you intend to keep her from doing something similar again? Good luck! This ^^ She's already out $5k from a recent Ponzi scheme, and now this? Is she so truly uneducated - this is totally separate from the language problem - that she thinks (clearly) that she can afford a car that is more tha...
by ResearchMed
Sat Jan 30, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15729

Re: Unwinding day old terrible car deal for mother-in-law

What's up with the "friend"?

RM
by ResearchMed
Thu Jan 28, 2016 11:33 am
Forum: Investing - Theory, News & General
Topic: Hedge Funds blame Index funds: Bogleheads referenced
Replies: 80
Views: 6719

Re: Ackman's comment on index funds and bubble

Am I missing something here? If the value of the company goes up, the shares you already own go up by that amount. Therefore, the new value is the correct amount to own. Did I miss something? Yes, odd. But perhaps he is referring to what "must" be done when there are inflows exceeding out...
by ResearchMed
Thu Jan 28, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4233

Re: Which news source do you use?

knpstr wrote:I'm a google news user...will slowly "learn" what you care about.


Hmmm. That's interesting.

Would this eventually lead to a sort of AI version of confirmation bias?

RM
by ResearchMed
Wed Jan 27, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Asking questions of Vanguard
Replies: 10
Views: 869

Re: Asking questions of Vanguard

Has anyone used Vanguard's secure message feature to ask a question about its procedures? I tried, and got a response that showed that the "registered representative" hadn't understood the question at all. She then suggested that I telephone Vanguard, but a telephone conversation seems to...
by ResearchMed
Tue Jan 26, 2016 8:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 49
Views: 6293

Re: Where is YDNAL?

If this is YDNAL, he is alive and well as of January 14, 2016. http://davidlandy.net/blog/ I like his blog. It is great to know Landy is well. My fear is that a Boglehead is lying dead for weeks or even worse suffering in his/her apartment after the last time they posted. Bogleheads is a great comm...
by ResearchMed
Tue Jan 26, 2016 7:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 49
Views: 6293

Re: Where is YDNAL?

Where are Professor Emeritus and Dolphinsaremammals? Last I remember, some time ago, Professor Emeritus had mentioned that he was (or was about to become) a caretaker for his wife, who was recently totally disabled. Very sad. And very sobering. That situation caused us to take another look at our p...
by ResearchMed
Mon Jan 25, 2016 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Unauthorized trades - nightmare in progress - options?
Replies: 18
Views: 3666

Re: Unauthorized trades - nightmare in progress - options?

Has been over a week. More than $9K is still "missing" - it got swept out to an undisclosed location & VBS ain't telling me where it went. Backdated transactions by VBS (posted 01/14, dated "12/15") seem to have snaffled LT holdings - cost basis, balances data sez they sold ...
by ResearchMed
Mon Jan 25, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: Impact of delaying - What to do?
Replies: 14
Views: 899

Re: Medicare: Impact of delaying - What to do?

crefwatch, You are WRONG. Your employer health insurance is PRIMARY if you (or spouse) have CURRENT employment based health insurance, provided your employer has more than 20 employees. If your employer health insurance is adequate, then there is NO need to enroll in Medicare Part B: https://www.me...
by ResearchMed
Mon Jan 25, 2016 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: Impact of delaying - What to do?
Replies: 14
Views: 899

Re: Medicare: Impact of delaying - What to do?

crefwatch, You are WRONG. Your employer health insurance is PRIMARY if you (or spouse) have CURRENT employment based health insurance, provided your employer has more than 20 employees. If your employer health insurance is adequate, then there is NO need to enroll in Medicare Part B: https://www.me...
by ResearchMed
Sun Jan 24, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: [Computer] Backup Date issues
Replies: 16
Views: 831

Re: [Computer] Backup Date issues

I agree on the importance of restoring the file fully, including all of the date information. A restore that doesn't completely restore every bit of file metadata... including not only dates, but permissions and ACLs and what-have-you (and yet, resource forks on a Mac even though they are deprecate...
by ResearchMed
Sun Jan 24, 2016 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9102

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

Ok, I'll be the first to say it... Marry the girl... :sharebeer Daddy-O is looking out for the best interests of his daughter, as well he should. He may be miffed by his daughters bf , fiance, french toast whatever is making changes to her accounts. He has taken care of her much longer than you! On...
by ResearchMed
Sat Jan 23, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: Odd Ball Vanguard Mail Message
Replies: 14
Views: 2285

Re: Odd Ball Vanguard Mail Message

Did anyone else get this strange US mail letter from Vanguard, or have any idea what it might mean? The letter said... "Dear xxxxx, Thank you for restoring access on 01/15/2016. As you know, our secure website allows you to monitor all your accounts and conduct most types of transactions onlin...
by ResearchMed
Sat Jan 23, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: [Computer] Backup Date issues
Replies: 16
Views: 831

Re: [Computer] Backup Date issues

I used a new Seagate Backup utility (came free on the 1TB drive I bought) yesterday instead of copy and paste. It changed the dates on all the files it backed up to yesterdays date. So I lost all the dates when files were created and saved in my history on this backup copy. I have done manual backu...
by ResearchMed
Sat Jan 23, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: Impact of delaying - What to do?
Replies: 14
Views: 899

Re: Medicare: Impact of delaying - What to do?

mhalley....Wow = Many employers require that you or spouse enroll in Medicare. I had no idea that was the case. That seems like mandating that you take a pay cut. :( Not sure about the pay cut part. It may vary by employer (?). Our employer only requires that we each sign up for Medicare Part A, wh...
by ResearchMed
Sat Jan 23, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: 401K Divorce and Remarriage
Replies: 8
Views: 859

Re: 401K Divorce and Remarriage

It might work for early access to the money, as stated by Alan S. However, make sure that you are aware of other downsides, perhaps like loss of spousal/family health insurance. There may be other unexpected complications. RM Such as potential exposure to a fraud claim if the divorce was just a pre...
by ResearchMed
Sat Jan 23, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: 401K Divorce and Remarriage
Replies: 8
Views: 859

Re: 401K Divorce and Remarriage

It might work for early access to the money, as stated by Alan S.

However, make sure that you are aware of other downsides, perhaps like loss of spousal/family health insurance.

There may be other unexpected complications.

RM
by ResearchMed
Fri Jan 22, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on resubmitting perscription claim
Replies: 15
Views: 722

Re: Need advice on resubmitting perscription claim

Yes, I would send my regrets, explaining that it is too late to resubmit; it was the pharmacist's error, and that their letter is not timely with regard to your new insurance. Copy your state insurance commissioner. Good idea to let Anthem know you are reporting this to the insurance commission. Go...
by ResearchMed
Thu Jan 21, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: New neighbor turning their house into vacation rental
Replies: 41
Views: 4549

Re: New neighbor turning their house into vacation rental

You might eventually be able to "help them [new owners] to help you". As suggested above, perhaps there's a new part-time job for someone, managing, supervising cleaning (or even cleaning if one needs work or knows someone who does), etc. But even without that formal agreement, IF there is...
by ResearchMed
Thu Jan 21, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Social security restricted spousal benefits - does my husband need to know?
Replies: 35
Views: 2627

Re: Social security restricted spousal benefits - does my husband need to know?

Just happened to think of this. My wife, who is five years younger than I am, filed for - and received - Social Security retirement benefits at age 62 based on my earnings and my receipt of SS. She does not have sufficient quarters to qualify herself. This was 3 years ago, but I do not recall havin...
by ResearchMed
Wed Jan 20, 2016 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Social security restricted spousal benefits - does my husband need to know?
Replies: 35
Views: 2627

Re: Social security restricted spousal benefits - does my husband need to know?

There is an issue here with the new law. Mike Piper can confirm. You can file for Divorced Spouse Benefit without dealing with the ex in any way. But if the ex decides to suspend his/her benefits for a few years, then yours get suspended as well. But it's only for four years max... In this case, it...
by ResearchMed
Wed Jan 20, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Actions to take after getting married
Replies: 13
Views: 844

Re: Actions to take after getting married

Not the most fun task, but if you do not have your estate documents done (wills, advanced medical directives, etc), you should set those up. I tried that with my bride. Resulted in a big fight. Apparantly she thought that in the event of our death 50% of our total net worth was to go to one of her ...
by ResearchMed
Tue Jan 19, 2016 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Best place to live in CA for a retiree
Replies: 27
Views: 2373

Re: Best place to live in CA for a retiree

looking wrote:hi all

where is the best place to live in CA for a retired person--cheap place ,warm weather so on --


Are you looking to move from Morgan Hill?

What is it about that area that you dislike or wish to improve?

RM
by ResearchMed
Mon Jan 18, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Which type of CCRC?
Replies: 14
Views: 1066

Re: Which type of CCRC?

Financially, what are your thoughts on type of continuing care retirement community, assuming all else is equal? 1. Pay large fee up front. Monthly fee stays similar if you move from independent-living apartment to assisted living smaller apartment or to nursing home. 2. Pay less fee up front. Mont...
by ResearchMed
Sun Jan 17, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: Will Medicare Pay For This?
Replies: 4
Views: 844

Re: Will Medicare Pay For This?

Sent you a PM about how someone handled insurance (but not Medicare) for "reconstructive" surgery that wasn't "medically necessary". And as mhalley wrote, yes, it's probably going to help that this was due to a well documented accident, rather than just waking up and looking in t...
by ResearchMed
Sat Jan 16, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: HOA question
Replies: 11
Views: 1118

Re: HOA question

One possible problem, even with the current owners grandfathered in with the ability to rent, is that future sales might be somewhat affected, especially if this is in a desirable rental area (such as a resort/vacation area, or where many people tend to rent). RM We had no rental restrictions and w...
by ResearchMed
Sat Jan 16, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: HOA question
Replies: 11
Views: 1118

Re: HOA question

CA SB 150 from 2011 is relevant (I think): http://www.leginfo.ca.gov/pub/11-12/bill/sen/sb_0101-0150/sb_150_bill_20110708_chaptered.html So yes -- but does not apply to current owners before the change was made (unless you have waived in writing). One possible problem, even with the current owners ...
by ResearchMed
Fri Jan 15, 2016 10:00 pm
Forum: Investing - Theory, News & General
Topic: A new memo from Oaktree's Howard Marks
Replies: 8
Views: 1509

Re: A new memo from Oaktree's Howard Marks

I don't usually get too much from various columns, although I read lots of them for different perspectives, etc.

But this one...

I found myself stopping frequently to think about what I had just read, and to re-read it.

And I'll be reading it yet again.

Thanks for posting the link.

RM
by ResearchMed
Fri Jan 15, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Deed in 2 peoples name that aren't married
Replies: 59
Views: 4625

%age follows the money? Re: Deed in 2 peoples name that aren't married

Here is a thought... It sounds like there was no written agreement about who owns what percentage of the property. Just because two (or more) names are on the property, that doesn't mean it is owned equally. My understanding (and experience, but this might vary by state) is that a valid argument ca...
by ResearchMed
Thu Jan 14, 2016 6:16 pm
Forum: Personal Consumer Issues
Topic: Help redeeming frequent flyer points for good value?
Replies: 19
Views: 1175

Re: Help redeeming frequent flyer points for good value?

Also https://awardnexus.com/user/login?url=%2F Look at the options under other ways to sign up and go in via being registered at flyertalk. Thanks. So if one registers for this through flyertalk, there is *no* cost anywhere along the way? That's what the "first page" blurb of the link you...
by ResearchMed
Thu Jan 14, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: Help redeeming frequent flyer points for good value?
Replies: 19
Views: 1175

Re: Help redeeming frequent flyer points for good value?

Airlines open rewards flights 330 days in advance. Usually time is your friend. I got 2 business class tickets to Italy for June 2015....I used points to buy them in August 2014. Also...be flexible in your destination. The italy tickets above...well originally I wanted to go to Greece, but couldn't...
by ResearchMed
Thu Jan 14, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: Help redeeming frequent flyer points for good value?
Replies: 19
Views: 1175

Re: Help redeeming frequent flyer points for good value?

Also https://awardnexus.com/user/login?url=%2F Look at the options under other ways to sign up and go in via being registered at flyertalk. Thanks. So if one registers for this through flyertalk, there is *no* cost anywhere along the way? That's what the "first page" blurb of the link you...

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