Search found 3647 matches

by ResearchMed
Tue Sep 27, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Resource for dealing with dependent adult children
Replies: 14
Views: 1809

Re: Resource for dealing with dependent adult children

Anyone have ideas: where could I meet others, hear other stories, of families dealing with dependent adult children? If there is a named condition, perhaps there is a support group specific for that. RM The individual is not interested in seeking a diagnosis. Cash payments have kept her off the str...
by ResearchMed
Mon Sep 26, 2016 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas for medical treatment
Replies: 3
Views: 536

Re: Traveling overseas for medical treatment

As I mentioned in another recent thread, I have a chronic medical condition that has debilitated me. My doctor said there is a promising experimental treatment, more promising than anything available in this country, that is available in Portugal and Germany, and I'm considering doing it. The cost ...
by ResearchMed
Fri Sep 23, 2016 7:17 pm
Forum: Personal Consumer Issues
Topic: Viking cruise in Europe
Replies: 10
Views: 1978

Re: Viking cruise in Europe

I am thinking of taking a Viking Cruise (ocean not river cruise) in the future. Area is somewhere in Europe. Has anyone gone on a Viking cruise? Would you do it again? Thanks. Take a look at http://www.CruiseCritic.com There is a subforum on river cruising, and also a plethora of other topics (firs...
by ResearchMed
Fri Sep 23, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Minor fender bump question
Replies: 17
Views: 1336

Re: Minor fender bump question

Let's suppose I am at fault in an accident. And let's suppose police won't come because it is a minor fender bender. What happens if the other party wants my insurance information but refuses to provide his/her insurance since he/she is not at fault? Do I willingly provide my insurance information ...
by ResearchMed
Fri Sep 23, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

Yes. Do a google search for different award programs rules on stopovers. ETA: For example, on United an itinerary that is Newark to Frankfurt, Frankfurt to Tokyo, Tokyo back to Newark would be charged the same miles as a Newark to Tokyo roundtrip (taxes are a different story). A number of bloggers ...
by ResearchMed
Fri Sep 23, 2016 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

That is Flyingblue. Airline programs vary. The current United program allows you one free stop over. Aeroplan (an amex transfer partner) allows you two. Hence the ability to get both a Paris trip and a Saigon trip on one award. Both sites can be buggy so as ResearchMed mentioned sometimes you have ...
by ResearchMed
Fri Sep 23, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: TIAA traditional and real estate
Replies: 16
Views: 993

Re: TIAA traditional and real estate

jjustice wrote:Just about everything that you might want to know about TIAA Traditional is covered in this White Paper.

https://www.tiaa.org/public/pdf/compliance/tiaa-traditional-white-paper.pdf

John


Thanks.

The date on the bottom indicates it's very recent (this month).

RM
by ResearchMed
Fri Sep 23, 2016 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Resource for dealing with dependent adult children
Replies: 14
Views: 1809

Re: Resource for dealing with dependent adult children

Anyone have ideas: where could I meet others, hear other stories, of families dealing with dependent adult children? Is there a physician or social worker or such involved with the care of your relative (the Adult Child of concern here)? if so, they may have contact information of resources, or at ...
by ResearchMed
Fri Sep 23, 2016 7:32 am
Forum: Investing - Theory, News & General
Topic: TIAA traditional and real estate
Replies: 16
Views: 993

Re: TIAA traditional and real estate

A REIT fund would be allocated as part of one's stock allocation, probably displacing space that would otherwise be allocated to small-cap and mid-cap stocks. Thus, either small-cap stocks or a mix of small-cap and mid-cap stocks is the fair comparison to a REIT. The TIAA Real Estate fund is more i...
by ResearchMed
Thu Sep 22, 2016 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

<snip> Did you book multiple award flights on a single ticket ? It sounds like it. <snip> I'm not quite sure if we are referring to the same type of ticketing. By "multiple award flights", are you referring to several legs en route from A to B (such as A - C - D - B)? That's what I'm tryi...
by ResearchMed
Thu Sep 22, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

madbrain... Have you tried to book a multi-leg routing by calling the airline, not online? I'm referring to connections for a one-way trip, not a return. What we had to do was to call the airline whose points we were using, not the airline we were flying. For one "direction", we've got one...
by ResearchMed
Thu Sep 22, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Threshold for pre-notifying credit card companies?
Replies: 40
Views: 2449

Re: Threshold for pre-notifying credit card companies?

If this gets worse, the solution may be to have three general purpose CCs and alternate between them to the extent possible... That's what I do already, but if a card is rejected don't I still have to call the bank to tell them it was legit so the card doesn't get shut off as "stolen"? I'...
by ResearchMed
Thu Sep 22, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Any Bogleheads invest in rental cabins/tiny homes?
Replies: 11
Views: 1470

Re: Any Bogleheads invest in rental cabins/tiny homes?

By "utility hookups", do you mean electricity and running water? Or also sewers/septic? And even with indoor plumbing, thinking about 300 days/year of actual rentals (and at what rent?) is probably extremely optimistic. Aside from whether there would be a strong demand for a tiny cabin (an...
by ResearchMed
Thu Sep 22, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Aging and Spending
Replies: 20
Views: 2599

Re: Aging and Spending

For those of us who are moving along the age spectrum (let's say 65+), I was wondering if you find yourself indulging in things you might not have 10 or 20 years ago. Are you feeling that time is starting to run out a bit, so you better start doing and buying things you didn't used to? If so, what ...
by ResearchMed
Thu Sep 22, 2016 7:57 am
Forum: Personal Consumer Issues
Topic: Warm January Vacation?
Replies: 19
Views: 1686

Re: Warm January Vacation?

tennisplyr wrote:Southern Florida??


Probably not a good idea just now with a pregnancy.

That was one reason I mentioned Hawaii.
So far, Zika doesn't seem to be a problem there.

RM
by ResearchMed
Wed Sep 21, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: Warm January Vacation?
Replies: 19
Views: 1686

Re: Warm January Vacation?

Hulk wrote:Any suggestions on a warm January vacation? Id rather do a ski trip but the boss is preggers, cant do much on the slopes. Dont really want to travel outside of U.S. with a small child and pregnant wife.


Hawaii?

RM
by ResearchMed
Wed Sep 21, 2016 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Resource for dealing with dependent adult children
Replies: 14
Views: 1809

Re: Resource for dealing with dependent adult children

Since medical, mental health and relationship issues are out-of-scope for this forum, we can look at the financial side. One possibility is a trust, using a trustee who is empowered to distribute funds from the trust under specified conditions. OP might also want to look into some variation/combina...
by ResearchMed
Mon Sep 19, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Transfer Citi Thank-you points to United Airlines
Replies: 11
Views: 677

Re: Transfer Citi Thank-you points to United Airlines

I've never heard of anyone transferring points. (I would not expect one credit card point to equal one airline point since the first is dependent on the dollars you spent while the latter is dependent on miles/route taken.) With credit cards, you can use the credit card points to give you credit (i...
by ResearchMed
Mon Sep 19, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?
Replies: 20
Views: 1616

Re: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?

Much thanks for the feedback and suggestions. CFM300: "In your original post, you describe the variety of TIAA Traditional you're now considering as "Group Supplemental Retirement Annuity". If that's accurate, and if the pdf I linked and quoted is accurate, then it appears that you w...
by ResearchMed
Mon Sep 19, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in retirement - cash or mortgage?
Replies: 10
Views: 991

Re: Buying a house in retirement - cash or mortgage?

Is it possible to get a mortgage without earned income? It might be that "any" income will work, and SS could count. But the bigger question is that you would need to document *enough* income to qualify for the mortgage, same as before retiring. So if the lender allowed in the range of ~3...
by ResearchMed
Mon Sep 19, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

madbrain, Are you calling the airlines 'awards' section? We've had good luck on code-share/international, but it takes a special group to deal to deal with it. And some of it is tedious online, and some apparently *impossible* online (so they waived their regular processing fee). Maybe the airlines ...
by ResearchMed
Mon Sep 19, 2016 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?
Replies: 20
Views: 1616

Re: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?

Thanks to all for the replies so far. This is a bump to see if anyone who has access to TIAA investments has opinions about TIAA Traditional (using employee-sourced funds for full liquidity) and TIAA Real Estate. I'm getting ready to pull the trigger. My resulting 30/70 AA would changes as follows ...
by ResearchMed
Mon Sep 19, 2016 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Medically Underwritten Immediate Annuity
Replies: 10
Views: 722

Re: Medically Underwritten Immediate Annuity

Usually the conditions that must be met to get the higher medical payout are stringent and may be limited to just a few years. The problem with immediate annuities is that they don't keep pace with inflation. But people get so focused on the NOW that the don't think about the dire future that lays ...
by ResearchMed
Sat Sep 17, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Reccomendations for decent patio furniture
Replies: 9
Views: 900

Re: Reccomendations for decent patio furniture

Costco has a lot of good patio furniture. However, this may not be the best time of year to look for it. We purchased a lot of patio furniture from Costco for vacation rental properties. Those got heavy usage and held up remarkably well. (We were really surprised.) But it needed a lot of labor to p...
by ResearchMed
Fri Sep 16, 2016 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

The best use of points for air travel (or possibly for anything) is usually for international premium classes (business or especially first). We have been accumulating points for many years, and only used them for premium international or, if domestic, only last-minute emergency travel when only ful...
by ResearchMed
Fri Sep 16, 2016 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Lending money to son
Replies: 21
Views: 1936

Re: Lending money to son

I'd strongly suggest not waiting until graduation or close to it. Just in case he might now or closer to graduation (or even some time after) be thinking of continuing to benefit from your largesse, I don't think it wise (or kind) to abruptly stop, when his planning might need to change between now ...
by ResearchMed
Wed Sep 14, 2016 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Denied Term Life Insurance/A Reminder to Get Your House in Order
Replies: 38
Views: 3326

Re: Denied Term Life Insurance/A Reminder to Get Your House in Order

Are you at the absolute maximum for your group policy? We can purchase a significant amount more than the firm-standard coverage offered. Check on this, which you already mentioned. However, it might be that if you didn't elect extra coverage when you first started, there might be medical underwrit...
by ResearchMed
Wed Sep 14, 2016 10:15 am
Forum: Personal Consumer Issues
Topic: Annual travel insurance
Replies: 7
Views: 490

Re: Annual travel insurance

Medjet Assist is not travel medical insurance just evacuation coverage. We are considering purchasing it ALONG with our travel insurance. However I have not found any reviews of people who actually needed to use them. This is what we do. I read one report on CruiseCritic that reported using their s...
by ResearchMed
Wed Sep 14, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Annual travel insurance
Replies: 7
Views: 490

Re: Annual travel insurance

There's a plenty lengthy thread (link below) with a variety of opinions and recommendations. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=167830 -Steph That thread is not specifically about *annual* policies. It's more about general trip insurance, and quite a bit about whether travel i...
by ResearchMed
Mon Sep 12, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Volvo "Overseas Delivery"
Replies: 4
Views: 418

Re: Volvo "Overseas Delivery"

Thanks. Yes - I have family there and will visit them at some point. My wife doesn't want to spend 3 weeks with the in-laws so we'd be "forced" to visit the rest of Europe as well! Could be next summer, right now I'd have a tough time getting a chunk of vacation from work (projects are de...
by ResearchMed
Mon Sep 12, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Volvo "Overseas Delivery"
Replies: 4
Views: 418

Re: Volvo "Overseas Delivery"

Anyone done the Volvo Overseas Delivery? (OSD) Seems like a great deal: - "Save" about 2k from MSRP (Hey it would roughly match the infamous Truecar at that price! :beer ) - Two round trip tickets to Sweden - One night in a hotel - Pick up your car in Sweden, drive it around while you tak...
by ResearchMed
Mon Sep 12, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: retiring with a mortgage
Replies: 35
Views: 3078

Re: retiring with a mortgage

OP here, Thank you all for taking the time to respond. I honestly thought there would be more people against carrying debt during retirement. I will try and answer some questions that were asked. Net worth about $1 million excluding house. Most of it is in a handful of individual stocks. I have rec...
by ResearchMed
Sun Sep 11, 2016 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Twin home burns down and one owner won't rebuild. What happens?
Replies: 25
Views: 2932

Re: Twin home burns down and one owner won't rebuild. What happens?

Interesting question! I never heard the term "twin home" but grew up in what you are calling a twin home and my neighborhood was full of them. We called them "rowhouses" (usually there were two mirror image homes, but there were occasional triples.) It was definitely not a condo...
by ResearchMed
Sun Sep 11, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Twin home burns down and one owner won't rebuild. What happens?
Replies: 25
Views: 2932

Re: Twin home burns down and one owner won't rebuild. What happens?

More commonly, I have seen this arrangement called a "duplex" and there is an area of quite a few of these in my neighborhood. I assume this arrangement is the same as a "duplex". As far as I know, ownership of land and "house" is separate. Interesting question. It may...
by ResearchMed
Sat Sep 10, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Just answered telephone political poll. Now concerned.
Replies: 49
Views: 5194

Re: Just answered telephone political poll. Now concerned.

Just found this for you http://www.matthewsyoung.com/surveys-customer_service.htm On the surface (without checking further at all), it seems legit. And main number is area code 919. If you are still concerned, you could call them on Monday and ask if they are currently doing political polling. I'd a...
by ResearchMed
Fri Sep 09, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Company clawing back retirement contributions
Replies: 59
Views: 6686

Re: Company clawing back retirement contributions

I can sort-of understand clawing back excess contributions made in error. I can't understand clawing back earnings/investments on the excess contributions. Right. (And great point in your next post about what if there had been only losses?) How could they possibly know what the returns were on that...
by ResearchMed
Fri Sep 09, 2016 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard....I know, it's been discussed!
Replies: 23
Views: 2331

Re: Schwab vs Vanguard....I know, it's been discussed!

I also like Vanguard has an app .... Schwab also has an app in case you didn't realize. To me, the advantage of having one account at Vanguard, as well as one account at Schwab, (and one account at Fidelity as well for me) is that I have access to all their different tools, newsletters, etc. althou...
by ResearchMed
Fri Sep 09, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3812

Re: map frustration

Everyone does have a GPS now. It is called the smartphone. I have not printed out directions in 5 years at least. Even the international roaming packages now are so cheap that I have avoided needed to print out directions when traveling. Certainly nothing wrong with printing directions but unfortun...
by ResearchMed
Fri Sep 09, 2016 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Extra money in acct
Replies: 11
Views: 535

Re: Extra money in acct

zadie wrote:it was $500k, not $500


Oh, well now... :D

In that case, too bad there isn't a shuttle service. :twisted:

(At least you didn't find that kind of money suddenly missing.)

RM
by ResearchMed
Fri Sep 09, 2016 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Extra money in acct
Replies: 11
Views: 535

Re: Extra money in acct

Logged into my vanguard acct today, and it was showing an extra $500k in the acct. It was a bug in the individual bonds that I own. I thought about trying to sell it... what would you do? Old New England saying, "He who sells something that isn't his'n, either pays it back or goes to prison.&q...
by ResearchMed
Fri Sep 09, 2016 2:34 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7972

Wells Fargo & ILLEGAL Student Loan servicing

I don't mean to pile on "poor ole WF", but... Well, okay, I guess I don't mind piling on in this case! http://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-wells-fargo-illegal-student-loan-servicing-practices/ Among the CFPB's order, "Wells Fargo failed to provid...
by ResearchMed
Fri Sep 09, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 3812

Re: map frustration

I have to travel to neighboring states from time to time. i used to use Google maps, and print off a bunch of screen grabs and go on my merry way, in my old car which does not have GPS. Then they changed the interface, so it is collapsed/expandable like an accordion, and the route line is so thick ...
by ResearchMed
Fri Sep 09, 2016 1:56 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7972

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Whenever I read about the latest fraudulent activity in the financial industry, I'm angered and frustrated that so often those responsible, the higher-ups in particular, are not identified and punished. I'm also dismayed at how closely it follows the fraudulent activity that led to the '08-'09 glob...
by ResearchMed
Fri Sep 09, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Transferring vacation home deed to LLC
Replies: 1
Views: 197

Re: Transferring vacation home deed to LLC

Hi guys! Just wanted to know if you guys have any experiences to share on this. We purchased a second home about 3 years ago - initially thinking that we will move into it. It is larger, on significantly more real estate etc. As time went by, we realize that our 9 yr old and us parents are perfectl...
by ResearchMed
Fri Sep 09, 2016 10:51 am
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7972

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

No only did customers loose money, so did the bank.. and the bank must now pay penalties.. which will be passed on through as add-on costs to the current and future customers. More explicitly, the shareholders lost money. The shareholders pay the fines. The "winners" are the bank executiv...
by ResearchMed
Thu Sep 08, 2016 5:10 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7972

Re: "Wells Fargo Fined for Years of Harm to Customers"

Bogleheads: When I was a young man, the local bank and its employees were considered the pillar of integrity. No more. This is a portion of today's revelation about America's fourth largest bank: Credit cards issued secretly without a customer’s consent. Bank employees creating fake email accounts ...
by ResearchMed
Thu Sep 08, 2016 4:10 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7972

Re: Wells Fargo - Sent Unsolicited Credit Cards

It's an incredible story. More than 2 million Wells Fargo checking/savings accounts and credit cards were fraudulently opened by Wells Fargo employees who were incentivized to do so. Supposedly 5300 WF employees have now been fired for this. At my age I'm pretty jaded, but this is shocking! Yeah. A...
by ResearchMed
Thu Sep 08, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: Fidelity and new Factor-based ETF's
Replies: 6
Views: 544

Fidelity and new Factor-based ETF's

These will be available on September 15th. Pretty short pre-announcement time. http://www.investmentnews.com/article/20160908/FREE/160909953/fidelity-rolls-out-factor-based-etfs?NLID=daily&NL_issueDate=20160908&utm_source=Daily-20160908&utm_medium=email&utm_campaign=investmentnews&am...
by ResearchMed
Thu Sep 08, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2166

Re: Water turned off in building-urgent!

A lot likely depends upon whether this was an emergency shut off, or whether the earlier-than-announced was for an emergency reason. If neither were emergencies, then it likely is a violation. And if water stays off for a certain length of time (per local health code), then that would probably be a ...
by ResearchMed
Thu Sep 08, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2166

Re: Water turned off in building-urgent!

Thanks so much! It looks like I'll have to hire someone to buy water for me. A waste of bottled water, which itself is a waste, but this is an unusual circumstance. Perhaps I can get that reimbursed. Will I be better off calling the Health Department now, or should I wait until after the incident a...

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