Search found 6531 matches

by ResearchMed
Wed Jul 18, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable Trusts
Replies: 8
Views: 413

Re: How much percent of your income should you use on vacation?

I know the question ignores a lot of variables but assuming you have no debt (or at least not a lot) how much percent of income would you say is reasonable to spend on vacation? That's really impossible to give a general rule, regardless of debt. It would definitely depend upon whatever amount you ...
by ResearchMed
Wed Jul 18, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 10
Views: 428

Re: Possible Knob & Tube in an older home.

Their statement is unequivocal. It is more than I would have said for my house, because the only way I could say for sure would be to open up all the walls. I wouldn't even write it with that wording for the cabins we built about 10 years ago! The most I would willingly write would be something lik...
by ResearchMed
Wed Jul 18, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas like Alaskan Cruises
Replies: 7
Views: 345

Re: Vacation Ideas like Alaskan Cruises

... If you are looking for something with the beautiful landscapes, consider a slightly different cruise: Hurtigruten's 12 day Coastal Round Trip, from Bergen, Norway, all along the coast, up over the top, stopping in Kirkenes (visit to Russian border avail) and then back down. 34 stops. Daytime st...
by ResearchMed
Wed Jul 18, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 23
Views: 1064

Re: How Unclaimed Property Laws Can Affect Retirees

If they are IRA's with zero activity, what about the taxes? Do they just withhold (at max tax rate?) and send the rest to the state ? And what about penalties for those "underage"? And what about money in 403b/etc., plans - money that cannot be removed per rules? RM This was stated in the article W...
by ResearchMed
Wed Jul 18, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 53
Views: 3329

Re: Salary vs. Lifestyle

I realize that this is a very subjective matter, but after reading one of the threads regarding early retirement, I noticed they recurring theme: Enjoying life while you can (having more time for "living in the sunlight" - hobbies, taking walks, exercising and spending time with family). I thankful...
by ResearchMed
Wed Jul 18, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas like Alaskan Cruises
Replies: 7
Views: 345

Re: Vacation Ideas like Alaskan Cruises

We recently went on a 10 day Alaskan cruise. We had a very nice time. Does anyone who has been on an Alaskan cruise have any other vacation recommendations? If you are looking for something with the beautiful landscapes, consider a slightly different cruise: Hurtigruten's 12 day Coastal Round Trip,...
by ResearchMed
Wed Jul 18, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Alaska Trip/Cruise Summer of 2020. Help me plan
Replies: 23
Views: 1434

Re: Alaska Trip/Cruise Summer of 2020. Help me plan

We are thinking of Alaska in the next year or two. One option is to book the Alaska rail package. Anyone here did that? Tripadvisor has glowing reviews of it. https://www.alaskarailroad.com/travel-planning/packages/alaska-by-daylight ALASKA BY DAYLIGHT 10 Days/10 Nights Available late May - early S...
by ResearchMed
Wed Jul 18, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 23
Views: 1064

Re: How Unclaimed Property Laws Can Affect Retirees

If they are IRA's with zero activity, what about the taxes? Do they just withhold (at max tax rate?) and send the rest to the state ? And what about penalties for those "underage"? And what about money in 403b/etc., plans - money that cannot be removed per rules? RM This was stated in the article W...
by ResearchMed
Wed Jul 18, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 23
Views: 1064

Re: How Unclaimed Property Laws Can Affect Retirees

If they are IRA's with zero activity, what about the taxes?

Do they just withhold (at max tax rate?) and send the rest to the state?
And what about penalties for those "underage"?

And what about money in 403b/etc., plans - money that cannot be removed per rules?

RM
by ResearchMed
Wed Jul 18, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs
Replies: 36
Views: 1068

Re: Europe travel Qs

Your bankcard (ATM) issuer may have an online list (and map) of ATM locations in each city you'll be in. If you can find one inside a bank, that's best. First, fewer chances of someone nearby interfering. Second, if you have trouble, there's someone to ask. We had some difficulty in Italy with no En...
by ResearchMed
Wed Jul 18, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs
Replies: 36
Views: 1068

Re: Europe travel Qs

When you charge something, do NOT allow them to convert to dollars "for your convenience".
Charge in the local currency.

Let the card company (e.g., VISA/bank) do that at official rates, rather than unknown rates and also unknown fees.

RM
by ResearchMed
Wed Jul 18, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 23
Views: 1064

Re: How Unclaimed Property Laws Can Affect Retirees

Does simply logging in to check balances (or just that the money is still there) count? Or does one need to make changes to something? IF automatic distributions, such as RMD's do NOT count.. WOW... this is a time bomb waiting to zap a lot of people, and older people disproportionately. I see they a...
by ResearchMed
Wed Jul 18, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 57
Views: 2383

Re: 35 minute connection for flight, long enough?

Folks, Thanks for your excellent advice, we've decided to get a direct flight into ORD instead. Good move. I missed one flight in my life & I vow never to let that happen again. My family knows this, so they are aware of my insistence to be at the gate early. Also, seems like in the past few years ...
by ResearchMed
Tue Jul 17, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Accepted new job, immediately laid off at old one?
Replies: 37
Views: 5853

Re: Accepted new job, immediately laid off at old one?

EVERYTHING HAS CLEARED AND I START IN TWO WEEEEEEEEEEEEEEEEEEEEEEEEEEEEEKS!!!!!!!!!! WHOOOOOOOOO HOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO looks like I was freaking out for no reason. wow. will still be paid for a extra 8 weeks after I start working at the new company..legit just double income for 2 months....
by ResearchMed
Tue Jul 17, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Business Credit Card
Replies: 8
Views: 700

Re: Business Credit Card

Also, for a larger business with significant liability, it is potentially one less avenue to pierce the company veil. As long as there is no way the veil is already "pierced", such as holding a mortgage or other company property in your personal name. Or if one commingles business and personal mone...
by ResearchMed
Mon Jul 16, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Business Credit Card
Replies: 8
Views: 700

Re: Business Credit Card

Thank you, that was very helpful. Have been in business for over a year as an LLC/S-Corp. Have an EIN. No DUNS. Have business checking. Have business phone line and utilities in company name. Also have office building lease. 3 business credit cards, have made all payments on time, no late payments ...
by ResearchMed
Mon Jul 16, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Moving taxable to Vanguard with capital gains?
Replies: 11
Views: 495

Re: Moving taxable to Vanguard with capital gains?

Good news, trbcx is on the vanguard ntf list, so transferring it in kind means you can take your time making the decision. https://investor.vanguard.com/mutual-funds/profile/overview/1595?FundIntExt=EXT Good. And if OP finds the TRP fund acceptable, then perhaps stop all re-investments, and just le...
by ResearchMed
Mon Jul 16, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 24
Views: 1365

Re: Heart Rate Monitors Fitbit vs. Garmin

Apologies for lack of clarity. I have amended the subject header and will try to be more clear in my posts moving foreword. You need to go back to your FIRST post, and then use the little "pencil" to edit it. Thanks! And... whew!! RM Thanks for the full title fix. And I'm glad that I wasn't the onl...
by ResearchMed
Mon Jul 16, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 24
Views: 1365

Re: Heart Rate Monitors Fitbit vs. Garmin

Sasquatch wrote:
Mon Jul 16, 2018 1:31 pm
Apologies for lack of clarity. I have amended the subject header and will try to be more clear in my posts moving foreword.
You need to go back to your FIRST post, and then use the little "pencil" to edit it.

Thanks!

And... whew!!

RM
by ResearchMed
Mon Jul 16, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Moving taxable to Vanguard with capital gains?
Replies: 11
Views: 495

Re: Moving taxable to Vanguard with capital gains?

Hello, We currently have $100k in taxable account with T. Rowe Price in the Blue Chip Growth Fund(TRBCX, expense ratio .7%) I think I want to move it to Vanguard and put it in the Vanguard Total Stock Market Index Admiral Shares (VTSAX, expense .04%) to lessen the expense($700 vs $40 right now). Th...
by ResearchMed
Mon Jul 16, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: TripAdvisor "Points" & "Levels" ?
Replies: 8
Views: 580

Re: TripAdvisor "Points" & "Levels" ?

Many sites are doing things like that. Points and seals and pages showing virtual "stickers" and "badges" you've earned. Makes me feel like I'm back in grade school and getting smiley and star stickers. Right. If it isn't a little sticky gold star that I can stick on my forehead, then what's the po...
by ResearchMed
Mon Jul 16, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3650

Re: Are Credit Cards Actually Convenient?

At some stores, the chip readers are significantly slower than the old "swipe" method, but it's not a huge deal. Yes.. I wonder how and when restaurants will use the chip readers? My guess is that fraud must be going up at restaurants that still use the swipe. The issuers have said that if a vendor...
by ResearchMed
Mon Jul 16, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Alaska Trip/Cruise Summer of 2020. Help me plan
Replies: 23
Views: 1434

Re: Alaska Trip/Cruise Summer of 2020. Help me plan

Wife and I will be celebrating 30 years of her putting up with me. We would like to see as much as we can over a 2 week period. No set schedule or time of year to travel as we are both retired. No physical restrictions besides a little Arthritis in the knees. Not interested in climbing mountains bu...
by ResearchMed
Mon Jul 16, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 24
Views: 1365

Re: HR Monitors Fitbit vs. Garmin

Whew!!!

I thought you were writing that your HR department was monitoring private devices.

:shock:

RM
by ResearchMed
Mon Jul 16, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 301
Views: 29866

Re: Concierge medicine Worth It????

For the most part, the days are long gone when your PCP had time (and got paid) to leave his office and drive over to the hospital to see patients. Hospitalists have taken over this role which is generally much more efficient because they live in the hospital. I'm not sure how this would work in a ...
by ResearchMed
Sun Jul 15, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: College funds spendown...
Replies: 6
Views: 677

Re: College funds spendown...

Hello all, I’ve got a couple of kids in high school (a senior and a sophomore). I’m assuming/hoping both will go to college, and I’ll be footing the bill for both. In total, I’m looking at paying for 8 years of school for the two and I’ve got about 3 years total squirreled away in coverdells split ...
by ResearchMed
Sun Jul 15, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Accepted new job, immediately laid off at old one?
Replies: 37
Views: 5853

Re: Accepted new job, immediately laid off at old one?

Nothing to do but wait. It seems highly unlikely that the new offer won't go through. Maybe that you didn't leave your old job on your own terms has added to your jitters. yep..that's exactly the right reason. everyone said i got the best deal since i'm going to get paid for the next 10 weeks and w...
by ResearchMed
Sun Jul 15, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: TripAdvisor "Points" & "Levels" ?
Replies: 8
Views: 580

Re: TripAdvisor "Points" & "Levels" ?

They are worth nothing and you get nothing for them other than the satisfaction of having more points than the other guy.! The only use maybe is if one becomes a "expert", posters can have a idea as to ones possible "credibility". But as we know more posts/reviews doesn't necessarily make one a exp...
by ResearchMed
Sun Jul 15, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: TripAdvisor "Points" & "Levels" ?
Replies: 8
Views: 580

TripAdvisor "Points" & "Levels" ?

I participate on TripAdvisor with reviews, because it's been quite helpful for us (much more so than we would have expected). I keep getting these "thanks" or other things telling me what my "progress" is. What is this about? Sometimes, like today, it's a summary of my "points" and what "level" I'm ...
by ResearchMed
Sun Jul 15, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3650

Re: Are Credit Cards Actually Convenient?

I'd like to hear from other Bogleheads what they believe are the benefits of using credit cards, and whether these benefits outweigh the various hassles that come along with credit cards. I've been giving some thought to this because I've noticed that over the past several years, my credit cards ha...
by ResearchMed
Sun Jul 15, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel
Replies: 23
Views: 1706

Re: Kitchen Remodel

7. Cabinetry with rolling shelves and other features to save the "back" is worth a million ice packs. 8. The corners of a range hood or cooktop hood should never ever be below the tallest person in the house. :shock: 7. What is a rolling shelf? It's a flat drawer behind a door. Just get drawers in ...
by ResearchMed
Sun Jul 15, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Bounced check
Replies: 27
Views: 2739

Re: Bounced check

I think it's okay to have at least two different checkbooks for different accounts even if it is not necessary. I don't write a lot of checks but a checking account still is useful in ways that a savings account or a brokerage account is not. I have checkbooks for both my checking account and broke...
by ResearchMed
Sun Jul 15, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 38
Views: 4339

Re: Denied for an auto loan 2 weeks after purchase??

I have heard dealers use this as a ploy to bump the interest rate. Get you into the car for a few days and you "love it". Then come back with the denial and change the terms. As iridium says the loan is first with the dealer. If they can bump the rate maybe the spread between the dealer & the bank ...
by ResearchMed
Sun Jul 15, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 301
Views: 29866

Re: Concierge medicine Worth It????

But my question was more about the "concierge medicine retainer" : I had assumed that a concierge physician charged a fee that was intended to sort of pay for extra time, so she/he could have fewer patients and more easily take more time with each. If one is just "pre-paying" medical care, how does...
by ResearchMed
Sun Jul 15, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 301
Views: 29866

Re: Concierge medicine Worth It????

https://medcitynews.com/2014/02/many-patients-primary-care-physician-care/ The article has some data about patient panel size. Thanks, ram, for the link. This is very useful info for the thread. Am assuming when the author uses the term "retainer based" PCPs that is the same as saying "concierge se...
by ResearchMed
Sun Jul 15, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Suit Alterations - chain vs local tailor
Replies: 16
Views: 1134

Re: Suit Alterations - chain vs local tailor

I would imagine any tailor could perform simple alterations like adjusting the sleeve length and adding non-working buttons, finishing the pants, and adjusting the waist by an inch. I've never had more complex alterations done. At most department stores, basic alterations would be free. You would b...
by ResearchMed
Sat Jul 14, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Spending profile in retirement
Replies: 19
Views: 1573

Re: Spending profile in retirement

What do you use as a spending profile in retirement? I don't don't think the SWR method is what I want to use. My current plan in firecalc and The Flexible Retirement Planner is: 55-60: $105k base spending (current spending), $25k travel 61-70: $95k base spending (kids are off the dole), $25k trave...
by ResearchMed
Sat Jul 14, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 301
Views: 29866

Re: Concierge medicine Worth It????

https://medcitynews.com/2014/02/many-patients-primary-care-physician-care/ The article has some data about patient panel size. Thanks, ram, for the link. This is very useful info for the thread. Am assuming when the author uses the term "retainer based" PCPs that is the same as saying "concierge se...
by ResearchMed
Sat Jul 14, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: BH , please help make an argument for after-tax contributions
Replies: 4
Views: 484

Re: BH , please help make an argument for after-tax contributions

Signed up with new employer who has a 401k plan (through ADP), checked out features - fairly standard in pre-tax and Roth contribution being both allowed, after tax not set up. Went to talk to the HR administrator who have mentioned that setting that up is possible however company does not believe ...
by ResearchMed
Fri Jul 13, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 301
Views: 29866

Re: Concierge medicine Worth It????

Yes most group practices will have their partners or their doctors available for existing patients. That has been my experience with group practices as well. You altered my post for some reason. I'm guessing the dm200 thought you had a typo, and corrected it (rather than copying it exactly with a [...
by ResearchMed
Fri Jul 13, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 61
Views: 4664

Re: Should we sell our business?

Another question.. If we sell for $2M, and only $100k is for equipment and hard assets, leaving $1.9M for intangibles, what is the tax rate we'll pay? http://www.smallbiztaxadvisor.com/federal/top10.lasso That link seems to put most of the sale price into just "long term capital gains" tax rate. Is...
by ResearchMed
Fri Jul 13, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 301
Views: 29866

Re: Concierge medicine Worth It????

Yes most group practices will have their partners or their doctors available for existing patients. That has been my experience with group practices as well. You altered my post for some reason. I'm guessing the dm200 thought you had a typo, and corrected it (rather than copying it exactly with a [...
by ResearchMed
Fri Jul 13, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 61
Views: 4664

Re: Should we sell our business?

Assuming it went through tomorrow, 3.8M in liquid assets and 700k in real estate in your late 40's for a total NW of 4.5M? Yup, sounds like a dream come true to me. Bird in the hand is worth two in the bush. Sell it and enjoy your early retirement. That does sound great. But at the same time, build...
by ResearchMed
Fri Jul 13, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Suit Alterations - chain vs local tailor
Replies: 16
Views: 1134

Re: Suit Alterations - chain vs local tailor

Ah... I had forgotten: In the future, you might try a good dry cleaner. Some have tailors that stop by, for mending clients' clothing or doing alterations. DH has found that it is faster and less expensive to take new trousers there to be shortened, than the upscale store where he buys them (on sale...
by ResearchMed
Thu Jul 12, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for Investment Property with No Income
Replies: 2
Views: 357

Re: Mortgage for Investment Property with No Income

Hi all, hope everyone is well. I've been toying with the idea of buying an investment rental property. Not sure if I'm actually going to do it; just considering it. A preliminary question is whether I could even qualify for a mortgage. I literally have a perfect FICO score, but I retired over three...
by ResearchMed
Thu Jul 12, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 38
Views: 4339

Re: Denied for an auto loan 2 weeks after purchase??

Someone else recently had something like this happen.

There weren't any problems with fraud alerts, but it was also "weekend", so they were told it was all fine, and just go home with the car, etc.
:annoyed

RM
by ResearchMed
Thu Jul 12, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9419

Re: When does frugal cross the line to cheapskate?

If your frugality is making someone unhappy, you've crossed the line. That someone could be somebody else ("stingy,") or it could be you ("miserly.") I might add to this something like, "... when you have enough money, including for necessary savings, and do not *need* to be this frugal with money....
by ResearchMed
Thu Jul 12, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 245
Views: 49189

Re: That Extravagant Thing You Do

Wow. The revival of an almost 10 year-old thread, courtesy of some thread melds by the moderators. Since the original posting, I have added thermal baths to the mix. Thermal waters are far more prevalent in Europe than in the US, so affordable choices abound. But, there is an extravagant version. W...
by ResearchMed
Thu Jul 12, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 5686

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

I am a new real estate investor and just bought a rental property in the Houston Texas area. One of my tenants rented the 2 bedroom townhouse themselves and I found is now sleeping in the living room and renting out the other 2 rooms to other people and did not inform me about this. The main tenant...
by ResearchMed
Thu Jul 12, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 37
Views: 3339

Re: New construction: financing fell through, builder won't return deposit/earnest $

Tough lesson to learn that verbal isn't worth squat. Next time ask for an addendum stating very clearly the terms of return of the deposit. In many states, it is the law that verbal agreements are *not* valid for real estate transaction; ONLY written agreements are valid. Don't know about Californi...