Search found 4166 matches

by ResearchMed
Sat Mar 25, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance
Replies: 7
Views: 420

Re: Travel insurance

Absolutely suggest that you contact http://www.TripInsuranceStore.com In your case, I'd try to make a point to speak directly with Steve (he *will* call back unless he's on vacation himself, etc.). You'll want to discuss what costs/risks/insurance your daughter actually needs, before you can really ...
by ResearchMed
Fri Mar 24, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 4803

Re: What to do with $100???

Whenever I somehow end up with a $50 or $100 bill I put it aside and put it in a safety deposit box the next time I go to my bank. From what I hear I will need a stash of cash after I get married that my wife doesn't know about. (While this is a joke... it has been advice given to my by married fri...
by ResearchMed
Thu Mar 23, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Short time to retirement questions, thinking about bogle philosophy in light of our short time frame
Replies: 6
Views: 517

Re: Short time to retirement questions, thinking about bogle philosophy in light of our short time frame

If the market goes up, it is better to go all in at the beginning. If it goes down, it is better to DCA. Generally markets go up. But not necessarily this year. Right. The problem with the "on average, lump sum beats DCA" is that not everyone will be "average", except in Lake Wo...
by ResearchMed
Thu Mar 23, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Help Overcoming a Lead Paint Phobia
Replies: 28
Views: 1575

Re: Help Overcoming a Lead Paint Phobia

Where do you live? Are there newer apartments/homes? After something like (1978 maybe) no lead paint was used inside. Could you find a place like that? BTW, back in the early 80's, I purchased a grand old 3 family, and lived in one unit. But the bank required that we have full lead remediation becau...
by ResearchMed
Thu Mar 23, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 17
Views: 1346

Re: Northern Lights cruise, Norway, March 2018

That sounds like my next dream trip! But there is so much to see in Norway, I hope you are looking forward to that as much as the Northern Lights, which can be spectacular. (If just the NL, Alaska, Canada, and even Northern USA have spectacular NL as well.) Have only been in Norway between May and ...
by ResearchMed
Thu Mar 23, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 17
Views: 1346

Re: Northern Lights cruise, Norway, March 2018

How long was the train between Oslo and Bergen? Nice scenery? We'll be there in mid-March, so it should be mid-way in terms of mostly daylight or night. The train ride from Oslo to Bergen is one of the most spectacular in Europe. Here's a description: https://www.raileurope.com/blog/11474-oslo-to-b...
by ResearchMed
Wed Mar 22, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 17
Views: 1346

Re: Northern Lights cruise, Norway, March 2018

February last year we went to Iceland for 8 days and one night saw a spectacular northern light show about 2am. This past September we also took the Hurtigruten cruise round trip from Bergen to Kirkenes and back to Bergen. We flew to Oslo and spent a couple nights there, then took the train over th...
by ResearchMed
Wed Mar 22, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 17
Views: 1346

Re: Northern Lights cruise, Norway, March 2018

There's an alternative in Finland, a resort that involves heated glass igloos under the Northern Lights, http://www.kakslauttanen.fi/en/ I suspect that the normal traveler would encounter more language issues in Finland then along the Norwegian coast. Regardless of where you go to see the Northern ...
by ResearchMed
Wed Mar 22, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Short visit to Hong Kong - "must do/see"?
Replies: 16
Views: 1125

Re: Short visit to Hong Kong - "must do/see"?

Thanks, all.

We are reading and taking notes!

RM
by ResearchMed
Wed Mar 22, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Winter Travel
Replies: 29
Views: 1869

Re: Winter Travel

In an interesting turn of events, now Paris is being tossed onto the table by several in the group. They want to spend New Years Eve in the City of Light, visit museums when the lines will be shorter, drink vin chaude and have fun. Leaving not until late December, after Christmas. There is a lot to...
by ResearchMed
Tue Mar 21, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Legal Issue: What kind of lawyer (or do I not need one yet)?
Replies: 41
Views: 3398

Re: Legal Issue: What kind of lawyer (or do I not need one yet)?

Not a lawyer, but was severely burned by lawsuit from previous employer with some similarities to your case. The consequences (I speak from experience) of inadequate legal representation is such cases can be devastating. I strongly suggest: 1. Do NOT respond yourself to this notice. Even if you hav...
by ResearchMed
Tue Mar 21, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Legal Issue: What kind of lawyer (or do I not need one yet)?
Replies: 41
Views: 3398

Re: Legal Issue: What kind of lawyer (or do I not need one yet)?

Please don't use Google to find a lawyer. As others have said, go back to your previous attorney. Otherwise, you're going to have to pay the new attorney to get up to speed in the case, which will, at a minimum, involve reading the pleadings, etc., from the prior case. That's gonna cost you. This, ...
by ResearchMed
Tue Mar 21, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Winter Travel
Replies: 29
Views: 1869

Re: Winter Travel

A group of family members - all adults, who live in different geographic areas, has decided to convene and enjoy the Christmas holiday and possibly New Years holiday together, somewhere in the world. We are planning ahead since it will take some time and planning to pull this altogether during the ...
by ResearchMed
Tue Mar 21, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 17
Views: 1346

Re: Northern Lights cruise, Norway, March 2018

The northern lights go with the sunspot cycle, which is 11 years long. If I remember right we are significantly past the peak. Anyway- I have done the Hurtigruten partway although in the early summer. The stops are short. Not very much like a cruise ship. I remember drinks were expensive. You might...
by ResearchMed
Mon Mar 20, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 17
Views: 1346

Re: Northern Lights cruise, Norway, March 2018

Interesting thought, using what is effectively the ferry system for a cruise. I think my mom did one of these, many years ago, and she quite enjoyed it, but she was a budget traveler by nature and didn't miss the cruise ship service and meals. The schedules as I saw them gave very limited time onsh...
by ResearchMed
Mon Mar 20, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 17
Views: 1346

Northern Lights cruise, Norway, March 2018

We are rapidly and very belatedly filling in our dance card for some of those long overdue special travel plans.dreams. Turns out the solar/Northern Lights cycle is just starting to get less active, on something like a multi-year cycle, so we just bumped this up. We found a small ship that always of...
by ResearchMed
Mon Mar 20, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Short visit to Hong Kong - "must do/see"?
Replies: 16
Views: 1125

Short visit to Hong Kong - "must do/see"?

We did it... managed to change our awards plane tickets to add 2 nights in Hong Kong after our Japan trip. (At first, we weren't going to do this, but... it just didn't make sense not to stay a while once we were all the way out there.) We'll keep checking, and hope to make it anywhere up to 6 night...
by ResearchMed
Sun Mar 19, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Planning if you don't care to leave an estate....
Replies: 32
Views: 2582

Re: Planning if you don't care to leave an estate....

Or you could just keep it simple and have a single portfolio designed to survive higher withdrawals in the short term then lower withdrawals once Social Security hits. This is my current plan, a few years away from retirement. Other than a difference in risk, is there any advantage/disadvantage of ...
by ResearchMed
Sun Mar 19, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Planning if you don't care to leave an estate....
Replies: 32
Views: 2582

Re: Planning if you don't care to leave an estate....

Or you could just keep it simple and have a single portfolio designed to survive higher withdrawals in the short term then lower withdrawals once Social Security hits. This is my current plan, a few years away from retirement. Other than a difference in risk, is there any advantage/disadvantage of ...
by ResearchMed
Sun Mar 19, 2017 12:12 am
Forum: Personal Consumer Issues
Topic: Rhoad Scholar Travel Tours/Etc.
Replies: 11
Views: 974

Never again! Re: Rhoad Scholar Travel Tours/Etc.

obgraham and RudyS remind us of our one "almost" trip with Road Scholar. We were quite excited to find a special trip with Road Scholar in Europe just as full payment (non-refundable) was due. We arranged awards travel to get there. They posted the hotels in each of the two cities. As we *...
by ResearchMed
Sat Mar 18, 2017 11:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2541
Views: 651623

Re: What Movie Have You Recently Watched?

Just watched "The Verdict" again, with Paul Newman and Charlotte Rampling.

Somehow it captures us each time we see it.

"A washed-up, ambulance-chasing attorney gets a chance at redemption when his friend tosses him an open-and-shut medical malpractice case."
[Or almost...]

RM
by ResearchMed
Sat Mar 18, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: First time Cruise trip to Carribean
Replies: 6
Views: 530

Re: First time Cruise trip to Carribean

Hi all, Going with family to our first cruise trip to Carribean - Oasis of the Seas. Flying into Orlando, and then to Port Canaveral. Any suggestion on which hotel to stay in Orlando, Do any offer free shuttles to the port? Any other recommendations on how to get to port? Any suggestions/recommenda...
by ResearchMed
Sat Mar 18, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Planning if you don't care to leave an estate....
Replies: 32
Views: 2582

Re: Planning if you don't care to leave an estate....

Now that we've left our advisor, I've been doing some retirement planning through various tools (Fidelity, and Financial Engines, through work -- FireCalc and my own spreadsheet, privately), and I'm more or less in the same range. But one factor is, we don't have children, and except for some money...
by ResearchMed
Sat Mar 18, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 18271

Re: How Bad was 2008, really?

I'm in no means trying to be flippant, but I don't recall 2008 being any different than any other period in my investing life. When I put the money down I fully expect there is a possibility I can lose it all. I accept that fact and move on. It wasn't just the money being gone. It was the fear of h...
by ResearchMed
Fri Mar 17, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Convincing Someone To Dump A Bad Financial Advisor
Replies: 39
Views: 3128

Re: Convincing Someone To Dump A Bad Financial Advisor

This reminds me of one of the various "light bulb" jokes.

How many psychiatrists does it take to change a light bulb?

Only one, but the light bulb really has to want to change.

(Most other variations don't focus on the desires of the little light bulb...)

RM
by ResearchMed
Wed Mar 15, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Cool Budget Tool
Replies: 6
Views: 662

Re: Cool Budget Tool

Cute.

However, I was mightily disappointed when I blew it up to better read the smaller text, that one tiny part was "bitcoin" instead of "bacon".

:wink:

RM
by ResearchMed
Wed Mar 15, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 4803

Re: What to do with $100???

I seem to be odd person out here, but... I would not consider getting the "giver" a gift paid for with the gift money. It was given to you presumably in hopes that you would get some pleasure getting something for *yourself*, be that a "thing", a service, an experience, or even c...
by ResearchMed
Wed Mar 15, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: TIAA ending voluntary expense waiver on CREF Money Market
Replies: 6
Views: 585

Re: TIAA ending voluntary expense waiver on CREF Money Market

I'm not sure "why", but the somewhat parallel "TIAA MM Fund" doesn't have this same issue (yet?). Do most people have access to both? (Our plan does, and I've never quite understood that, either... why have two. I assume it's an artifact from the early days of CREF/TIAA-CREF?) I ...
by ResearchMed
Wed Mar 15, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 4803

Re: What to do with $100???

How about going out with a friend to an extra nice restaurant, or purchasing a nice bottle of wine or such, something you wouldn't ordinarily do? Do you own a home? Is there something you can add that you use daily and tell your mother that you'll be thinking of her every time you use it? Decades ag...
by ResearchMed
Tue Mar 14, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners claim
Replies: 10
Views: 873

Re: Homeowners claim

Last time we had a claim from a lightning strike, we had the initial claim put in. Only after work was started were some more issues discovered, so they had to readjust the amount. Make sure that is still available to you. This what the recoverable depreciation money is for correct? Since my roof w...
by ResearchMed
Mon Mar 13, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 89
Views: 12878

Re: Priorities

Time for us to review this theme, for a variety of reasons. Bringing my attention back to this thread is a piece in The New York Times entitled " The Wish List I Made After My Wife Almost Died ": https://www.nytimes.com/2017/03/13/your-money/the-wish-list-i-made-after-my-wife-almost-died.h...
by ResearchMed
Sun Mar 12, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22558

Re: How to Die

I just remembered a friend's elderly aunt, alone across the country in an Assisted Living Facility. She had someone come in to take care of her bills, etc. Obviously, there would be a real honesty issue, so I don't know how to handle that (with *anyone* who has complete access like this!). Perhaps a...
by ResearchMed
Sat Mar 11, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Hong Kong hotel - which side of the harbor?
Replies: 8
Views: 817

Re: Hong Kong hotel - which side of the harbor?

Thanks very much. That (the Peninsula) is what we were eyeing for this stay :wink: There was at least one hotel we'd have enjoyed on the other side that had some floors starting on the "acceptably low" height, but I've heard so much about the Peninsula - the one in Hong Kong - for so long....
by ResearchMed
Sat Mar 11, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Hong Kong hotel - which side of the harbor?
Replies: 8
Views: 817

Hong Kong hotel - which side of the harbor?

We are now thinking of adding about 3 nights to our Japan trip with a stopover in Hong Kong. We need to see if we can re-arrange our return with awards, and that would be hit or miss, and might not happen until some last minute premium award seats are released. Which side of the harbor is "bett...
by ResearchMed
Sat Mar 11, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22558

Re: How to Die

@munir, yes, a friend like that might be ideal, but I don't happen to have one. @ResearchMed, I asked my attorney to be POA both before and after my death. She said it could be considered a conflict of interest, as she would charge $220 per hour to write out bills, etc. The professional guardian I'...
by ResearchMed
Sat Mar 11, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22558

Re: How to Die

I'm glad this thread has been revived, as it's timely for me-- my husband died in January, I have cancer, and I'm now receiving palliative care only. After talking to friends and relatives, I'm leaning toward hiring a professional guardian to be my "Advance Directives" person. I'd almost ...
by ResearchMed
Sat Mar 11, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: TV and/or Speakers for Enhanced Voice Clarity [UPDATE]
Replies: 35
Views: 1791

A Solution for MIL (Bose radio) - Re: TV and/or Speakers for Enhanced Voice Clarity

Reporting back with success :happy DH found himself visiting his mother, but hadn't brought over any of the new assorted devices we were going to try. He decided to try connecting her old TV sound through her regular Bose radio, and apparently MIL could hear much better. This is not the "latest...
by ResearchMed
Sat Mar 11, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22558

Re: How to Die

The reason an advance directive by the patient may not always be honored is that there are always some questions: was this a well-informed decision? Was it made after appropriate discussion with a physician? Did the patient change their mind subsequently? Also, many questions like dialysis, tempora...
by ResearchMed
Fri Mar 10, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Fund recommendation
Replies: 6
Views: 347

Re: Fund recommendation

Mr.BB wrote:Is there any other vanguard fund that is similar to VHGEX?


Name of fund, please?

And what is it about this one that you need to find something similar, so we can best help with your query?

RM
by ResearchMed
Fri Mar 10, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question on Refund from the State
Replies: 16
Views: 876

Re: Tax Question on Refund from the State

I didn't do my 2015 state taxes correctly. I was just notified by the state that they're refunding me $3500. That's great, but I am unsure about whether I should amend my Federal taxes for that year or I should include it when I file my 2017 federal taxes, which will be the year I receive the money...
by ResearchMed
Fri Mar 10, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 3896

Re: Total Annual Expenses

"After tax" spending should better reflect what "stuff/experiences" are actually being purchased. This makes a difference if someone is using after tax savings, for example, vs. "everything coming from tax-deferred accounts", and thus subject to potentially high percent...
by ResearchMed
Fri Mar 10, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners claim
Replies: 10
Views: 873

Re: Homeowners claim

Unless you disagree with the amount of the reimbursement check, why wouldn't you deposit the money? RM Good question. I dont have an answer for that. I've never had a claim with my home or auto insurance before so I wasnt sure what the proper way to handle the money was. I mean I guess it's my mone...
by ResearchMed
Fri Mar 10, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners claim
Replies: 10
Views: 873

Re: Homeowners claim

Unless you disagree with the amount of the reimbursement check, why wouldn't you deposit the money?

RM
by ResearchMed
Thu Mar 09, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Clawback of sales commissions earned
Replies: 42
Views: 2647

Re: Clawback of sales commissions earned

You are NOT using a company-linked computer for these posts, are you? RM This post reminds me of Silicon Valley. Next thing we know OP's entire argument will be based on whether anyone believes he has a girlfriend or not. :?: It's a TV show on HBO, you'd have to see it to know what I was talking ab...
by ResearchMed
Thu Mar 09, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: New or CPO sedan or cross-over for family of four
Replies: 12
Views: 671

Re: New or CPO sedan or cross-over for family of four

New year, new baby. Our current car is a late 90s Honda Accord and its time for a second car. We aren't really sure what we want to spend, maybe 35-45? Not sure if that is a good budget or not. Since neither or us has purchased a new, or even an expensive used car before, we're a bit clueless. I su...
by ResearchMed
Thu Mar 09, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Clawback of sales commissions earned
Replies: 42
Views: 2647

Re: Clawback of sales commissions earned

I'm sure compensation can "change", but retroactively...??? Can you quickly contact a labor attorney for a short consult? That should either be free or not expensive for a short meeting. Are you "okay" with the new terms, aside from the clawback? RM I am OK with the changes from...
by ResearchMed
Thu Mar 09, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Clawback of sales commissions earned
Replies: 42
Views: 2647

Re: Clawback of sales commissions earned

BruDude wrote:
ResearchMed wrote:You are NOT using a company-linked computer for these posts, are you?

RM


This post reminds me of Silicon Valley. Next thing we know OP's entire argument will be based on whether anyone believes he has a girlfriend or not.


:?:
by ResearchMed
Thu Mar 09, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Clawback of sales commissions earned
Replies: 42
Views: 2647

Re: Clawback of sales commissions earned

corgimom11 wrote:
ResearchMed wrote:You are NOT using a company-linked computer for these posts, are you?

RM


No. Initial post was from personal computer at home. Follow-ups have been directly via my cell.


Good! :happy

Just wanted to double check.
Sometimes things like this get overlooked, especially "at first"...

RM
by ResearchMed
Thu Mar 09, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Clawback of sales commissions earned
Replies: 42
Views: 2647

Re: Clawback of sales commissions earned

You are NOT using a company-linked computer for these posts, are you?

RM
by ResearchMed
Thu Mar 09, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Clawback of sales commissions earned
Replies: 42
Views: 2647

Re: Clawback of sales commissions earned

Soon after this post, I did receive notification that they intend to deduct the near five figure amount from my paycheck on March 15. If I refuse to comply by tomorrow, they will not pay me any of my commissions for February, citing that "compensation can change at any time." I'm sure com...

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