Search found 8394 matches

by ResearchMed
Wed Apr 24, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Should I Sell Car to My Boss?
Replies: 21
Views: 1063

Re: Should I Sell Car to My Boss?

Have to explain a bit.... I have a brother who owns a nice Mustang....he recently had a daughter and now looking to unload the car since it's not family friendly. My boss heard about it when I was chatting with a coworker....turns out, he is a big Mustang fan....asked some questions about it I am r...
by ResearchMed
Tue Apr 23, 2019 7:50 pm
Forum: Investing - Theory, News & General
Topic: "S&P 500 Index closes at record high"
Replies: 101
Views: 6682

Re: "S&P 500 Index closes at record high"

You guys are being picky. Taylor's point is that the U S. market is at an all time high and that sticking with one's investing plan will reward investors. It has little to do with the S&P 500 specifically. Here is most of what he wrote: " This afternoon the S&P 500 Index closed at an all-time recor...
by ResearchMed
Tue Apr 23, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

delamer, First, we use regular AAdvantage points from the CitiCard (MasterCard, in our case). I don't understand the "Thank You Points" and haven't bothered to learn those details. Second, I am rather suddenly reading that some of the airlines' awards programs are changing to "dynamic pricing" of a...
by ResearchMed
Tue Apr 23, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Urban Myth on Electronic Car Break-ins?
Replies: 17
Views: 1071

Re: Urban Myth on Electronic Car Break-ins?

I am skeptical of something that was posted on our Neighborhood Watch online newsletter. We have had a number of cars entered during the night recently, and some things of value taken. The doors were apparently not forced open. I think people forgot to lock them. Someone posted a report, that there...
by ResearchMed
Tue Apr 23, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 3820

Re: Tips for getting the most out of your cruise?

I was glancing through some of the cruising ads and noticed that numerous (several) cruise lines are owned by a single company. Apparently , this company (and possibly others) attempt to appeal to various segments of the market. For example, IIRC, Holland America and Princess are owned by the same ...
by ResearchMed
Tue Apr 23, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

delamer, First, we use regular AAdvantage points from the CitiCard (MasterCard, in our case). I don't understand the "Thank You Points" and haven't bothered to learn those details. Second, I am rather suddenly reading that some of the airlines' awards programs are changing to "dynamic pricing" of aw...
by ResearchMed
Mon Apr 22, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

OP here. Thanks for all the input; as you’ve seen, I am naive to ways of the credit card world/rewards. So I have a Citibank card that I opened back in 1990. It has been a backup card for the last 15 years or so — like using it for an online purchase if I have never bought from the site before. I p...
by ResearchMed
Sun Apr 21, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

We currently have both a Citibank and an Amex card, but it sounds like we really need to open new cards to get the bonus points. People that seriously undertake this sort of thing often have a dozen or more cards open at once and maybe a history of twice that. They also play games with having real ...
by ResearchMed
Sun Apr 21, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Traveling to paris and amboise next week
Replies: 19
Views: 1239

Re: Traveling to paris and amboise next week

For something interesting in Paris, not far from the Louvre but actually in the 2nd arr., Google "paris covered passages" (without quotes). These arcades are hidden in several blocks of 19th century buildings just to the north of the Louvre and the Palais Royal. I discovered this part of Paris a fe...
by ResearchMed
Sun Apr 21, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Loan to employer?
Replies: 24
Views: 1730

Re: Loan to employer?

OP here—thank you all very much for your thoughfull responses. You ratified many of my concerns and also have given me some food for thought. Here are some answers and clarifications: * we didnt loose our LOC—we choose to let it lapse because of the onerous cost and admin burden. * The company is v...
by ResearchMed
Sun Apr 21, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 3820

Re: Tips for getting the most out of your cruise?

For a great introduction to cruising, check out the talk on RickSteves.com. Click on "Watch,Read,Listen" and then click on "Travel Talks" and you will see the one on "Cruising". Lots of good information on getting the most value out of a cruise. Thanks. We had no idea he had anything about cruising...
by ResearchMed
Sun Apr 21, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Loan to employer?
Replies: 24
Views: 1730

Re: Loan to employer?

Why did owner drop the LOC in the first place?
Maybe it was pulled?

Strongly suggest against this.
Obviously there is a cash-flow problem, even "if only" for expansion.

So... you might be out the loan... AND ... you might end up out of the job, too, if things don't go well.

RM
by ResearchMed
Sun Apr 21, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 3820

Re: Tips for getting the most out of your cruise?

[ quoted post removed by admin LadyGeek] It's not just Carnival. Do some homework about what type of cruise experience you want, which I admit is difficult for a "first cruise". It's not obvious what questions to ask, etc., until you have some baseline, some experiences. And definitely browse throu...
by ResearchMed
Sat Apr 20, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Suitable present for friend's retirement?
Replies: 11
Views: 1040

Re: Suitable present for friend's retirement?

We have given these a couple of times and they were well received by retiring friends & relatives https://dayclocks.com/ Nice, for those with fading memories :twisted: Reminds me of a hotel in Vancouver BC, where each day, the fresh floor mat in each elevator each morning had the day of the week fu...
by ResearchMed
Sat Apr 20, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2105

Re: River cruise, Avignon to Lyon, France

Wanting to pick the brains of the experienced travelers here. We are doing a river cruise next year from Avignon France to Lyon France. Looking at the best ways to get there from the states, I'm considering flying into Paris and taking trains to Avignon and from Lyon back to Paris. Does that make s...
by ResearchMed
Sat Apr 20, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

Thanks again for all the comments. By “upgrade,” I meant snagging a business class or first class ticket for international travel. It sounds like the best way to do that is to accumulate enough points to purchase such a ticket via points, rather than buying a coach seat and hoping to use points to ...
by ResearchMed
Sat Apr 20, 2019 1:56 pm
Forum: Personal Investments
Topic: Vanguard or Schwab for Retiree and Power of Attorney
Replies: 38
Views: 1427

Re: Vanguard or Schwab for Retiree and Power of Attorney

Vanguard’s online fraud policy used to say don’t share your password. But now it just says that all transactions using a shared password are considered authorized transactions. Ah - many thanks for that! I didn't know about this change. Time to review and print out some rules again. Thanks again! RM
by ResearchMed
Sat Apr 20, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

I would say a retired person getting a "couple" of credit cards, not being a frequent flyer, and having a vision of flying even once or twice business or first class to places such as Australia, New Zealand, Africa, and Asia is going to be disappointed. That is not to say such things can't be done,...
by ResearchMed
Sat Apr 20, 2019 1:31 pm
Forum: Personal Investments
Topic: Vanguard or Schwab for Retiree and Power of Attorney
Replies: 38
Views: 1427

Re: Vanguard or Schwab for Retiree and Power of Attorney

It would not be surprising if full account authorization at Vanguard only let's you see and transact on a person's personal accounts at Vanguard, but not their accounts located within an employer's active 401k, 403b or 457b custodial accounts. Not sure what the second half of that sentence means, b...
by ResearchMed
Sat Apr 20, 2019 1:05 pm
Forum: Personal Investments
Topic: Vanguard or Schwab for Retiree and Power of Attorney
Replies: 38
Views: 1427

Re: Vanguard or Schwab for Retiree and Power of Attorney

But I do have a question: WHY are 403b accounts (401k, too??) handled like this if it is "not just Vanguard"? RM IANAL, but I believe it is due to ERISA. Employee Retirement Income Security Act of 1974 That I can be TOLD all the information and I and MAKE the transactions by phone, but just cannot ...
by ResearchMed
Sat Apr 20, 2019 12:59 pm
Forum: Personal Investments
Topic: Vanguard or Schwab for Retiree and Power of Attorney
Replies: 38
Views: 1427

Re: Vanguard or Schwab for Retiree and Power of Attorney

.... There is no reason, since Vanguard cannot distinguish who is typing, for you to not log in as your husband yourself, assuming he has given you permission to do so. Nothing illegal about doing that. Vanguard may not like it, but there is nothing illegal about using someone's userid with their p...
by ResearchMed
Sat Apr 20, 2019 12:58 pm
Forum: Personal Investments
Topic: Vanguard or Schwab for Retiree and Power of Attorney
Replies: 38
Views: 1427

Re: Vanguard or Schwab for Retiree and Power of Attorney

I am POA and executor for my father now and I was POA and executor for my elderly aunt ten years ago. For each of them, I consolidated their investments at Vanguard .... There is, for some reason, a problem with 403b accounts (maybe 401k also?). With ALL of the proper forms/authorizations, when the...
by ResearchMed
Sat Apr 20, 2019 12:43 pm
Forum: Personal Investments
Topic: Vanguard or Schwab for Retiree and Power of Attorney
Replies: 38
Views: 1427

Re: Vanguard or Schwab for Retiree and Power of Attorney

I am POA and executor for my father now and I was POA and executor for my elderly aunt ten years ago. For each of them, I consolidated their investments at Vanguard .... There is, for some reason, a problem with 403b accounts (maybe 401k also?). With ALL of the proper forms/authorizations, when the...
by ResearchMed
Sat Apr 20, 2019 12:08 pm
Forum: Personal Investments
Topic: Vanguard or Schwab for Retiree and Power of Attorney
Replies: 38
Views: 1427

Re: Vanguard or Schwab for Retiree and Power of Attorney

I am POA and executor for my father now and I was POA and executor for my elderly aunt ten years ago. For each of them, I consolidated their investments at Vanguard where I could manage their finances easily. As it turned out, I never had to use their POAs. I went with them to each of their local b...
by ResearchMed
Sat Apr 20, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?
Replies: 43
Views: 4621

Re: I need advice on cleaning a toilet. How to you clean this part of the toilet?

Here is a picture of the area I am talking about. The area to the right. https://i.imgur.com/5FjCheh.jpg That looks a bit odd, but the part at the right is the "down the hatch" part, correct? How about with a brush (large bottle brush shape, or other with handle where the "brush" part can fit in th...
by ResearchMed
Sat Apr 20, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Business write-off for travel
Replies: 5
Views: 582

Re: Business write-off for travel

If the person is truly an employee (W2), the ability for him to deduct un-reimbursed expenses was eliminated in the last tax bill. Thanks. In the event he is a 1099, would he be able to claim it as an unreimbursed expense? Wouldn't it just be a "business expense" with 1099 income, same as perhaps a...
by ResearchMed
Sat Apr 20, 2019 11:34 am
Forum: Personal Investments
Topic: Vanguard or Schwab for Retiree and Power of Attorney
Replies: 38
Views: 1427

Re: Vanguard or Schwab for Retiree and Power of Attorney

I managed my fathers account for 10 years before he died. You can do just about everything on line. If you have someone's login id and password there is very little you can't do. I had a power of attorney but I never showed it to anyone at Vanguard. I just did what needed to be done. Technically th...
by ResearchMed
Sat Apr 20, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

<snip> I appreciate the information, but we will be retired so there will be no business cards. And I don’t want to get into the churning. I want to find a card or two that will support my goals of upgrades; I could see cancelling after a couple years and going with a new card, however. Is there an...
by ResearchMed
Sat Apr 20, 2019 9:53 am
Forum: Personal Investments
Topic: Vanguard or Schwab for Retiree and Power of Attorney
Replies: 38
Views: 1427

Re: Vanguard or Schwab for Retiree and Power of Attorney

My mother-in-law is a widow (early 60s) who knows very little about finances and is incapable of managing her portfolio. She relies on me to manage her finances and keep her on a budget. I'm her power of attorney and thus have legal authority to act on her behalf. Her portfolio is about $1.1M and i...
by ResearchMed
Fri Apr 19, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

However, I am interested in using points to upgrade to Business and First Class, so... Isn't the task of pursuing upgrades (using points) from coach different from the task of pursuing business and first tickets (using points directly)? I don’t know, but if anyone can weigh in on the issue that wou...
by ResearchMed
Fri Apr 19, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

I am a retired airline employee married to another retired airline employee. We formerly used each of our airline's credit cards. We dropped them both some years ago as redeeming points became increasingly difficult. My observations: Points are currency. Their value fluctuates. Generally, their val...
by ResearchMed
Fri Apr 19, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

Let me approach this from another angle. Let’s say I have a Qantas credit card with 100,000 points. I call Qantas reservations and say I want to fly to Sydney in the first week of December and return 14 days later. Will the reservation agent be able to give me options like “economy will be free, bu...
by ResearchMed
Fri Apr 19, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

Let me approach this from another angle. Let’s say I have a Qantas credit card with 100,000 points. I call Qantas reservations and say I want to fly to Sydney in the first week of December and return 14 days later. Will the reservation agent be able to give me options like “economy will be free, bu...
by ResearchMed
Fri Apr 19, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

Here’s some reviews of award booking services. https://www.flyertalk.com/forum/travel-tools/1296363-award-booking-services-list-some-reviews-30.html I used pointspros long ago - good service. I’ve used a few others - primarily complex routing in J/F. You can do it yourself with the same tools the s...
by ResearchMed
Fri Apr 19, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3403

Re: Optimizing credit card airline points

In anticipation of full retirement and more travel, I want to look into getting a couple credit cards in order to accumulate airline points. I doubt that we’ll become frequent fliers, but probably will do one big international trip and one US/Caribbean trip per year. I’d say the main goal is to be ...
by ResearchMed
Fri Apr 19, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8164

Re: This could be the biggest risk that retirees face?

I personally think a 5% failure rate is too high--too high for a planning number; I personally like 3% failure I disagree. You disagree that I personally think 5% is too high? Sorry, I don't like it when other people tell me what my personal risk tolerance should be. It does not bother me that ther...
by ResearchMed
Fri Apr 19, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: Hedging against hyperinflation scenario
Replies: 47
Views: 2988

Re: Hedging against hyperinflation scenario

The medium of exchange in your scenario will be brute force and survivor skills. I doubt Warren Buffett, Bill Gates and Mark Z will have an advantage in the zombie apocalypse. MMA and marksmanship skills will be at a premium. You could possibly sell your dried food made from those creepy ovens that...
by ResearchMed
Thu Apr 18, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 1940

Re: Get the best deal for your cruise: Whole Food, Plant Based

We go on cruises quite often, and both our daughters are vegan. Although it hasn't been ideal, we've never had a problem with the cruise being able to find things that our daughters were happy with. The key was to contact the head maitre d as soon as possible after boarding, and giving them as much...
by ResearchMed
Thu Apr 18, 2019 9:04 pm
Forum: Investing - Theory, News & General
Topic: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky
Replies: 16
Views: 2845

Re: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky

A couple of things that I noticed when listening. 1. Although I am not at the RMD age yet - a couple of speakers talked about needed RMD reform due to their onerous processes. I have never heard a great uproar about this problem - could the rmd'ers out their comment on how bad the process is? One s...
by ResearchMed
Thu Apr 18, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 1940

Re: Get the best deal for your cruise: Whole Food, Plant Based

This looks like it might be a special group on MSC Divina, and not the entire cruise. If so, you probably need to book through the group (??). Otherwise, you may be on the same cruise, but not eating the special meals. I can't see Divina filling up entirely with a group like this. If the cruise is a...
by ResearchMed
Thu Apr 18, 2019 8:11 pm
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8164

Re: This could be the biggest risk that retirees face?

The greatest risk to retirees may be that you'll be too successful: “You have to worry about getting unlucky and living to 100,” said Richard Thaler, a Nobel Prize winner in economics, during a Brookings Institution event Thursday. How long you’ll live and how much money you’ll need in retirement a...
by ResearchMed
Thu Apr 18, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5297

Re: Bogleheads privacy warning

only 10% of the country have assets over 1 million, what is the possibility the millionaire lives next door to you out of 300 million? If 10% of 300 million people are millionaires = 30 million And there are roughly 150 million homes 30/150 = 1/5 And a home has 2 "next door neighbors" 1/5 + 1/5 = 2...
by ResearchMed
Thu Apr 18, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5297

Re: Bogleheads privacy warning

I think I'm good since at home we have no gold, no cash, no jewelry, no guns, no drugs, and not much of anything of value. I think I'm good since at home we have no gold, no cash, no jewelry, no guns, no drugs, and not much of anything of value. We do have a really nice treadmill, but good luck get...
by ResearchMed
Thu Apr 18, 2019 12:33 pm
Forum: Investing - Theory, News & General
Topic: Publicly traded Partnership vs Publicly traded Corporation ?
Replies: 4
Views: 301

Re: Publicly traded Partnership vs Publicly traded Corporation ?

This won’t be a really crisp answer, but I happened upon the thread & thought I’d throw out a couple of things. It really boils down to taxes; the situation changed with the major tax changes that took place starting last year. Publically Traded Partnerships are cousins to Master Limited partnershi...
by ResearchMed
Thu Apr 18, 2019 9:33 am
Forum: Investing - Theory, News & General
Topic: Publicly traded Partnership vs Publicly traded Corporation ?
Replies: 4
Views: 301

Publicly traded Partnership vs Publicly traded Corporation ?

What is the difference between a publicly traded partnership and a publicly traded corporation. The reason for this question reflects a news item this morning about how Blackstone is changing from the former to the latter. What is confusing to me is the claim that the latter allows many more people ...
by ResearchMed
Thu Apr 18, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Small backup battery for Lenova YOGA laptop?
Replies: 4
Views: 304

Re: Small backup battery for Lenova YOGA laptop?

Many thanks!

I'll check into these.
These seem to be precisely the kind of thing I was looking for.

I guess I asked the wrong question of GeekSquad.

RM
by ResearchMed
Wed Apr 17, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Jury Duty questions
Replies: 20
Views: 2066

Re: Jury Duty questions

In some jurisdictions, there will be a phone number to call (or one call arrange for email notification) to find out if you actually need to show up. I was all set to show up bright and early a few weeks ago, and... the evening before, I received an email thanking me, but telling me I would not need...
by ResearchMed
Tue Apr 16, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job to Spend Time with Disabled Spouse?
Replies: 13
Views: 1827

Re: Leave Job to Spend Time with Disabled Spouse?

I greatly appreciate the feedback from those who have commented. Will consider an elder attorney for future long term care planning. And Katietsu, I think you nailed my dilemma....I don't feel old enough to stop working. I generally like my job but I can't be in two places at the same time. He does...
by ResearchMed
Tue Apr 16, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 2962

Re: Vaccine consent form allegedly forged...

<snip> Mistakes do happen. Erasing something a patient wrote on a consent form and writing something else is not a mistake. It is a deliberate action, and even if nearly inconsequential in this case (although it did incur a cost not agreed to), it might not be in others, so I'm not very keen on sim...
by ResearchMed
Tue Apr 16, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 2962

Re: Vaccine consent form allegedly forged...

I recently shared my story about receiving wrong vaccines: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=278667 The story was that I requested to have vaccines (let's say) A, B, C, and D (all CDC-recommended for my age group), and I signed the consent form only to have vaccines A, B, C and ...