Search found 4378 matches

by ResearchMed
Tue Jun 27, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: cost basis question - vanguard
Replies: 2
Views: 127

Re: cost basis question - vanguard

Both. In fact, if you use the "Specific-ID" cost basis method in a taxable account you can see the cost basis of each lot that you bought on purpose or reinvested dividends (they don't support that for retirement accounts). I wish they did support/offer it for tax-deferred accounts. (It w...
by ResearchMed
Tue Jun 27, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing gains in retirement accounts
Replies: 10
Views: 426

Re: Realizing gains in retirement accounts

It's very aggressive in growth funds, and was thinking of lowering the allocation to 60/40 stocks/bonds. If you are thinking of changing your allocation, why? It shouldn't be because of temporary fluctuations in differing asset classes (or individual holdings). Decide what your long-term allocation...
by ResearchMed
Tue Jun 27, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing gains in retirement accounts
Replies: 10
Views: 426

Re: Realizing gains in retirement accounts

Greatness wrote:Shows a modest five figure gain. Just thought it might be worth locking in the gains and then re-diversify.


This sounds a bit more like "some holdings have large gains", but not others?
If so, the would "re-diversifying" be more like "rebalancing"?

RM
by ResearchMed
Tue Jun 27, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 12
Views: 589

Re: swimming goggles

this has nothing to do with investing, but I am looking for suggestions. I am looking to start back to lap-swimming soon and I would like some recommendations for goggles that won't leak the chlorinated water into my eyes (if that is even possible to stop). I have had eye issues and am still doctor...
by ResearchMed
Tue Jun 27, 2017 6:37 am
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 18
Views: 902

Re: Cruise With The Grandkids

We're contemplating taking our 4 grandchildren on a cruise. Their ages range from 8-13. Since this is a first time experience, I wanted to keep the length under one week in case there is some buyers remorse mid way through the cruise. :oops: I was initially attracted to Disney but was a bit put off...
by ResearchMed
Tue Jun 27, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: Etiquette question regarding access easement usage
Replies: 11
Views: 1062

Re: Etiquette question regarding access easement usage

OK, a while ago I bought a chunk of property, and the access to the chunk of property is through another person's property (access easement). It's legal access and the location of the easement has been surveyed and also is recorded with the county. Legally there is no question. Soon I am planning o...
by ResearchMed
Tue Jun 27, 2017 6:21 am
Forum: Investing - Help with Personal Investments
Topic: (Almost) every day I make a financial mistake more costly than the day before
Replies: 39
Views: 3199

Re: (Almost) every day I make a financial mistake more costly than the day before

Dollar cost average your money or dump it all is in. Your "friend" is a friend only to him/herself. A pick pocket. Run away from this person. Investing is not different. All of the above. (Especially about the "friend" who wants to share your money... 1% year after year... nice ...
by ResearchMed
Tue Jun 27, 2017 6:09 am
Forum: Personal Consumer Issues
Topic: Any good resorts in Barbados?
Replies: 5
Views: 495

Re: Any good resorts in Barbados?

You might consider Crane Beach Resort. Beautiful area. Thanks a ton for the reply. I read the details about the Crane resort. It is awesome. Would love to visit the place at the earliest. When I read the facts about the Crane Resort, I came to know that, it is one of the best Barbados resorts . I r...
by ResearchMed
Mon Jun 26, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Anyone else getting priced out of Volvo market?
Replies: 19
Views: 1601

Re: Anyone else getting priced out of Volvo market?

I don't know if you're in the market for an XC60, but we were recently quoted around 15% off MSRP for a 2017 AWD XC60. The 2018 model will arrive in a few months. Thank you but probably not. We're really in the market for a wagon rather than an SUV. Even if they had the same deals on the V60 AWD, t...
by ResearchMed
Mon Jun 26, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Anyone else getting priced out of Volvo market?
Replies: 19
Views: 1601

Re: Anyone else getting priced out of Volvo market?

Almost. We almost purchased one of the new XC90's almost 2 years ago. We had and still have a 2004 XC90, and *loved* it from the start. But... there were a couple of problems: 1) There weren't any actually available for delivery. (And although we put a refundable $1k on the specs we wanted, after 6 ...
by ResearchMed
Mon Jun 26, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Home insurance post-payoff?
Replies: 9
Views: 770

Re: Home insurance post-payoff?

Hi, I've paid off my house, and was wondering if there are deals I can get on my house insurance now that the bank isn't involved. I was speculating that perhaps the bank required some insurances that aren't relevant, and perhaps I could get a trimmed down coverage plan (without putting my home in ...
by ResearchMed
Sun Jun 25, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Mediator for ownership division of primary home
Replies: 46
Views: 1437

Re: Mediator for ownership division of primary home

I may have been reading between the lines, and incorrectly, but I somehow got the impression that what was desired was something that the two of them could agree with, and not necessarily what a court would decide based upon local property law. Based upon the numbers above, that calculation may be s...
by ResearchMed
Sun Jun 25, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Travel to Kazakhstan - Health Insurance
Replies: 11
Views: 965

Re: Travel to Kazakhstan - Health Insurance

I always pick up a travel plan from world nomads or a AIG directly. The plan covers a lot of medical services that my insurance won't cover out of the country, including flying someone out to stay bedside if I am hospitalized and up to $1M to fly me home on a medical flight in an emergency. The pri...
by ResearchMed
Sun Jun 25, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Travel to Kazakhstan - Health Insurance
Replies: 11
Views: 965

Re: Travel to Kazakhstan - Health Insurance

Hi, I am heading to K'stan for a wedding and was wondering what people do for short term health insurance in a "far away land" like that? Any thoughts? The first thing is to find out if your regular health insurance covers you "out of country", and if so, are there ANY restricti...
by ResearchMed
Sat Jun 24, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Mediator for ownership division of primary home
Replies: 46
Views: 1437

Re: Mediator for ownership division of primary home

When I type mediators into Yelp for their area, pretty much everything that comes up is Divorce and Family Law.... EDIT: I did find one mediator with good reviews that had a whole segment of their website dedicated to Estate Matters. Sent Mom the link, maybe they can give them a call and see if the...
by ResearchMed
Sat Jun 24, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mediator for ownership division of primary home
Replies: 46
Views: 1437

Re: Mediator for ownership division of primary home

I get the recommendation to have a divorce attorney do the mediation as they probably have significant experience with this sort of thing. But a part of me thinks this is a bad idea....they aren't looking to get divorced, and I worry that bringing a divorce attorney in, even as a mediator, could cr...
by ResearchMed
Sat Jun 24, 2017 4:53 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 87
Views: 12328

Re: Revealing Usernames

What happens when two "registered anonymous user"s post in the same thread? Then things will really get confused. I don't think this idea will work. The solution is for people to use anonymous user names and realize that before they actually sign up. I think a lot of people sign up not re...
by ResearchMed
Sat Jun 24, 2017 4:47 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 87
Views: 12328

Re: Revealing Usernames

Instead of changing user names, why not allow registered users to post anonymously; it could be as simple as a checking a box "mark this post anonymous" or "contains personal details" -just like the "notify me when a reply is posted". Those posts would say "regist...
by ResearchMed
Sat Jun 24, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Mediator for ownership division of primary home
Replies: 46
Views: 1437

Re: Mediator for ownership division of primary home

I get the recommendation to have a divorce attorney do the mediation as they probably have significant experience with this sort of thing. But a part of me thinks this is a bad idea....they aren't looking to get divorced, and I worry that bringing a divorce attorney in, even as a mediator, could cr...
by ResearchMed
Sat Jun 24, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 49
Views: 1672

Re: Is Vanguard Website Down

I experienced the same thing this morning but it only affected the Accounts Overview page, https://personal.vanguard.com/my-accounts/account-overview/ . If you enter another URL directly it works. For example: https://personal.vanguard.com/us/myaccounts/balancesholdings Interesting. Yup, that worke...
by ResearchMed
Sat Jun 24, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Stop saving and start spending
Replies: 39
Views: 5102

Re: Stop saving and start spending

I would like some advice on whether we still need to save every year or can start sending most of our disposable income. I am 43 and my wife is 39, and we have kids aged 12 and 9. We are fortunate to have an annual income of $400K. Our house is paid off and it is worth $1.2M. We have $1M in investe...
by ResearchMed
Sat Jun 24, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 49
Views: 1672

Re: Is Vanguard Website Down

I haven been trying to log on this morning in the Kansas City area and get a 404 error once I enter my username/password. Thanks Yeah, something is wrong. First try just now, got a weird never before seen message: This personal.vanguard.com page can’t be found No webpage was found for the web addre...
by ResearchMed
Sat Jun 24, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: American Airlines double charged me!
Replies: 8
Views: 1548

Re: American Airlines double charged me!

Dispute the second charge with the credit card company. This should also get the total disputed amount off the total to be paid now. If and only if you "lose" the dispute will that amount be put back into the total that you owe. Make sure that you specify that the amount should be removed...
by ResearchMed
Fri Jun 23, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2295

Re: Anyone have a habit of checking the market all day?

Nah.... Set it? Absolutely. Forget it? It really doesn't matter. If you can commit to buy and hold, then it makes no difference if you look or not. Contrary to popular opinion, I've always recommended not only "peaking," but staring full on into the eyes of the beast. Having held firm thr...
by ResearchMed
Fri Jun 23, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan
Replies: 24
Views: 1017

Re: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan

I've done exactly this several times before, it works well. It's a perfect scenario for a 401k loan. Thanks for the feedback, socal! We've also done this, but with IRA monies. And in that case, there was the *strict* 60-day window to put the money "back". Using a 401k loan avoids this tig...
by ResearchMed
Fri Jun 23, 2017 5:25 am
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 31
Views: 2995

Re: Is someone trying to steal my identity?

File a police report. When I was worried about id theft - quite a while ago, and with lower level mischief than what you're talking about - I looked up the financial fraud in my local police department and spoke directly to a detective. He advised me to file the report, change my financial account ...
by ResearchMed
Thu Jun 22, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: House Closing is Tomorrow! Here are the Closing fees .... am I being ripped off?
Replies: 22
Views: 2299

Re: House Closing is Tomorrow! Here are the Closing fees .... am I being ripped off?

StevenNJ1 wrote:
ResearchMed wrote:Is State Farm your choice of Homeowner's Insurance?

If not, did you check for costs if you arranged the coverage yourself?

RM


Yep, it was me. I picked them.


Okay.
That's all good, then.

Enjoy your new home!

RM
by ResearchMed
Thu Jun 22, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: House Closing is Tomorrow! Here are the Closing fees .... am I being ripped off?
Replies: 22
Views: 2299

Re: House Closing is Tomorrow! Here are the Closing fees .... am I being ripped off?

Is State Farm your choice of Homeowner's Insurance?

If not, did you check for costs if you arranged the coverage yourself?

RM
by ResearchMed
Thu Jun 22, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: Does TIAA violate ERISA when administering 403b loans?
Replies: 6
Views: 334

Re: Does TIAA violate ERISA when administering 403b loans?

Don't know, but: I believe that Public University 403(b) plans are not subject to ERISA. Wash U is private, so this fact is not directly relevant to the case, except that it suggests the possibility that there was a procedural screw-up at TIAA. I recall that TIAA in the past has had different forms...
by ResearchMed
Thu Jun 22, 2017 7:39 am
Forum: Investing - Theory, News & General
Topic: Does TIAA violate ERISA when administering 403b loans?
Replies: 6
Views: 334

Does TIAA violate ERISA when administering 403b loans?

This case claims that TIAA keeps part of the loan interest, all of which apparently is supposed to be paid by the plan participant and credited back to the participant him/herself. http://www.retirementplanblog.com/wp-content/uploads/sites/304/2017/02/Haley-v-TIAA.pdf Is the claim correct? If so, is...
by ResearchMed
Thu Jun 22, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1872
Views: 296956

Re: What's Your Credit Card Rewards Strategy?

What are Amex premium rewards worth if I get 50k points? You must be referring to Membership Rewards that you get with the Premier Rewards Gold. They are worth 1 penny per point if used for travel. Their real value is in their transferability to top off your point balance to their partners. Flying ...
by ResearchMed
Wed Jun 21, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: How/when do Inv shares convert to Admiral?
Replies: 6
Views: 509

Re: How/when do Inv shares convert to Admiral?

Hmm...this doesn't seem to be an option in my employer-sponsored retirement account. This is for Wellesley which appears to have a $50k threshold for Admiral shares. But I see no option. Maybe it has to be 100k in retirement or institutional accounts? Employer plans always have a list of funds. Wha...
by ResearchMed
Tue Jun 20, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 2937

Re: Liability with dogs, hypothetical

A friend of ours had his leashed standard poodle attacked recently, high 4 digit vet bill, paid in full by the attacking dog owner's homeowner's policy. It made us think about our possible liability. We have an electric fence and a well trained and friendly pit bull mix. She's a rescue, so we don't...
by ResearchMed
Sun Jun 18, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3238

Re: Fermenting Vegetables

RM, overview of various benefits: http://www.foodandnutrition.org/Winter-2012/The-History-and-Health-Benefits-of-Fermented-Food/ https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4058509/ Thanks. That is fascinating, about the probiotics and such. I had no idea that something like this was much more tha...
by ResearchMed
Sun Jun 18, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3238

Re: Fermenting Vegetables

I have a friend with a garden. He harvests more than he can use by himself (and his family, neighbors, etc.) In addition to filling his freezer, he ferments and has been trying to talk me into it. I live an urban life (think little time and space), so I wasn't too keen to it, until he introduced me...
by ResearchMed
Sun Jun 18, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected raise while househunting-- should I change my budget?
Replies: 21
Views: 2231

Re: Unexpected raise while househunting-- should I change my budget?

I've been house-hunting with the intention of keeping my monthly housing costs in line with what I'm currently paying in rent. I've been considering both condos and houses in the range of 360k - 500k (since my downpayment is flexible). However, I've just received a 25% raise (after having received ...
by ResearchMed
Fri Jun 16, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 4777

Re: Curious to odd estate question

The OP has indicated that he's not interested in any virtue-signaling responses. Why then do they keep coming? You want people to read the thread and not just comment? Crazy. If he is able to predict his final day, couldn't he do the bitcoin transfer and then simply die? Tough to do exactly, but at...
by ResearchMed
Fri Jun 16, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Debit card backup
Replies: 17
Views: 1357

Re: Debit card backup

Thanks for the thoughtful comments. My wife and I decided to get a credit card and we each carry one for back up / emergencies. Sure enough, I was traveling and my debit card got denied (fraud detection blocked the card since I was out of town). Used the credit card, paid the balance, back to hidin...
by ResearchMed
Fri Jun 16, 2017 4:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3925

Re: Vanguard risk tolerance survey blunder.

Its testing your maximum risk tolerance. Obviously C means you can either gain the most or lose the most. Your calculation also assume all outcomes are equally likely but they may well not be. I think *3!4!/5!'s calculations would also hold if there were a "bell curve" type of distributio...
by ResearchMed
Fri Jun 16, 2017 3:00 am
Forum: Personal Finance (Not Investing)
Topic: inherited IRA in community property state requires spousal consent for non-spousal beneficiary
Replies: 32
Views: 1887

Re: inherited IRA in community property state requires spousal consent for non-spousal beneficiary

Does this refer to any amount, or only if someone wishes a spouse to be beneficiary of less than half?

(This also might vary by state.)

RM
by ResearchMed
Thu Jun 15, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Call Forwarding from Landline to Cell
Replies: 7
Views: 598

Re: Call Forwarding from Landline to Cell

I'm thinking of cancelling my landline with Verizon. This is one of two numbers of I've been using for business, so there is a concern that clients may try to reach me on the landline phone number, even if I try to put the word out. Does anyone know if we can cancel a landline and still have the ca...
by ResearchMed
Thu Jun 15, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Considerations
Replies: 12
Views: 1095

Re: Reverse Mortgage Considerations

While I believe I fully understand the disadvantages of a Reverse Mortgage, without going into all the details, I believe my wife and I are, or would/will be, in a situation where this makes financial sense. We have a first mortgage about 13% of the market value of the house and other debts/bills o...
by ResearchMed
Thu Jun 15, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3230

Re: scary phone calls

We usually do not get phone calls or Emails which leave messages about account problems, except for the entertaining IRS scam. So there is something new in the works. We notice that many of those cold calls are now from our local area code and area, even with names, mostly on Fridays. Yes, we are a...
by ResearchMed
Thu Jun 15, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3230

Re: scary phone calls

Recently I've been receiving 2 or 3 phone calls per day with recorded warnings that my accounts have been subjected to "security breaches" and that I should phone either 888-387-7218 or 877-220-3493. Has anybody actually phoned these numbers? The results? I never answer or return such cal...
by ResearchMed
Thu Jun 15, 2017 12:53 am
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 31
Views: 3930

Re: Contractor took deposit but never did any work. What next?

I'd get a lawyer and take his advice and ignore the rest of what is posted in this thread. You might be surprised what a letter from a lawyer may get you. This ^ Also, make sure to ask your attorney if your state has special penalties for "consumer fraud", which in our state means 3x the ...
by ResearchMed
Thu Jun 15, 2017 12:15 am
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3835

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

I am going to talk to my TIAA-CREF rep I regret talking to TIAA-CREF reps. There's rarely any point. My TIAA rep is knowledgeable and can connect to other people at TIAA for answers to any questions. Realistically TIAA is amazingly complicated and most people including me can't navigate the complet...
by ResearchMed
Wed Jun 14, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Genetic testing and insurance
Replies: 16
Views: 1291

Re: Genetic testing and insurance

Do genetic testing results (e.g., 23andme done at home, Genesight done through doctor's office) impact ability to get disability and life insurance? Does a condition you have an increased genetic risk for - increased risk only, not certain, in fact there is a dispute over whether the gene profile e...
by ResearchMed
Tue Jun 13, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3835

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

You don't seem to be understanding the point others have made regarding TREA and timing. In theory - and this did work the in the one case where it came into play - you should be able to avoid losses almost entirely. You watch the commercial property price index (or your choice of measurement) and ...
by ResearchMed
Tue Jun 13, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 4777

Re: Curious to odd estate question

In some places it's hard to have your house burned to the ground: http://www.yalelawjournal.org/article/the-right-to-destroy I like the elaborate wealth-depleting funeral suggestion. Spend it on ritual. Make it endless. Keeping a mortgage close to full value on property would take care of the house...
by ResearchMed
Tue Jun 13, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 66
Views: 7717

Re: Trust Fund Hell

He is/was a trustee, with some fiduciary responsibilities. He may have wanted to have a managed account so that he would not be "blamed" if there were any problems (e.g., losses/complaints). Using a "big name" manager would presumably help with this, as long as any AUM/etc., fee...

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