Search found 7807 matches

by ResearchMed
Tue Jan 15, 2019 3:38 pm
Forum: Investing - Theory, News & General
Topic: An Annuity Hater Revisits SPIAs
Replies: 11
Views: 1377

Re: An Annuity Hater Revisits SPIAs

Without going full CPI (which last I heard was only being issued by Principle), it is possible to build in some coverage with a fixed 2% or 3% escalator. I priced a 2% for a 70 YO through the Fidelity website and I was pleasantly surprised. TIAA Traditional Annuity offers an "adjusted" SPIA type pr...
by ResearchMed
Tue Jan 15, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: Active Stock Fund Slump (Morningstar discussion)
Replies: 3
Views: 227

Active Stock Fund Slump (Morningstar discussion)

I just stumbled across this, by Jeffrey Ptak: https://www.morningstar.com/articles/907717/the-active-stock-fund-slump-explained.html He discusses several possible reasons, and whether they are expected to continue. Bottom line conclusion was " While it's reasonable to assume that some of these trend...
by ResearchMed
Tue Jan 15, 2019 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PRIMECAP and Capital Opportunity
Replies: 48
Views: 2696

Re: Vanguard PRIMECAP and Capital Opportunity

You can’t buy Odyssey through Vanguard. I tried but it didn’t work, maybe I’m missing something. Are the Odyssey equivalents as good as the VG Primecaps? Can you buy at Fidelity? I don’t know if it’s equivalent, but they don’t show up as Vanguard mutual funds, I would just try to put the ticker sym...
by ResearchMed
Tue Jan 15, 2019 10:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 180
Views: 27586

ALL Vanguard 403b Brokerage Windows moved to TD Ameritrade? Re: Vanguard 403b Changes

The Brokerage Window of our Vanguard 403b plan (not in the Fidelity or TIAA plans) has been transferred to TD Ameritrade. (This might be "sort of like" when entire Employer plans - smaller plans - were moved to Newport recently?) TD Ameritrade states that this was imposed by Vanguard for "ALL 403b p...
by ResearchMed
Tue Jan 15, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Help with Simple Real Estate Transaction
Replies: 9
Views: 626

Re: Help with Simple Real Estate Transaction

Hello, Years ago, my Uncle purchased a vacant lot next door to a cabin that my wife and I own in California. We wanted to purchase the lot at the time so that nobody would build on the lot but didn't have the money for the purchase. We now have the means to purchase the lot and my Uncle is more tha...
by ResearchMed
Mon Jan 14, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Social Security Benefits
Replies: 11
Views: 1181

Re: Maximizing Social Security Benefits

If they get married, will his girlfriend be able to collect $2,000/month as well or is it a reduced (~50%) amount? If they are a SS eligible spouse, a spouse can receive either their own SS benefits (i.e. calculated based on their own earning) or 50% of their spouse's, whichever is greater. In this...
by ResearchMed
Mon Jan 14, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Ideas for Nashville trip?
Replies: 39
Views: 3893

Re: Ideas for Nashville trip?

We took our first trip to Nashville in summer, 2017, and really enjoyed it. We also thought the Parthenon was special. But don't go late in the afternoon... this may have been a "summer" (crowd) problem, but we almost got shut out, as they stopped the line well before closing time. We were among the...
by ResearchMed
Mon Jan 14, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 33
Views: 3083

Re: Winter boot recommendation

For our trip above the Arctic circle last winter (a cruise, in part in search of Northern Lights), I went to REI and found that the Bogs boots were by far the best for what we might encounter, and also back at home given that we can get heavy snow... and slush. They are totally waterproof, all the w...
by ResearchMed
Sun Jan 13, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: ID during International Travel
Replies: 14
Views: 764

Re: ID during International Travel

I'm always loath to give my passport to any cop or soldier because you may not get it back easily. While travelling through Eastern bloc countries it was practically a rule to put a 100 DM note in your passport when you handed it to the policeman. I was in Spain back in the 1990's and had just gott...
by ResearchMed
Sun Jan 13, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Meanings of probability
Replies: 8
Views: 843

Re: Meanings of probability

Clever_Username wrote:
Sun Jan 13, 2019 7:18 pm
Next time I teach probability, I might send this out to my students.
Yeah... I wish I had this when I was teaching!

Anything to make the students smile and enjoy it was worth a *lot*.

RM
by ResearchMed
Sun Jan 13, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: ID during International Travel
Replies: 14
Views: 764

Re: ID during International Travel

We keep copies of all of that "in the cloud", so we aren't even dependent upon our devices.
But we can call them up on our devices even faster, IF needed.

Never have needed those... yet.

RM
by ResearchMed
Sun Jan 13, 2019 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PRIMECAP and Capital Opportunity
Replies: 48
Views: 2696

Re: Vanguard PRIMECAP and Capital Opportunity

You can’t buy Odyssey through Vanguard. I tried but it didn’t work, maybe I’m missing something. We have no problem. It's an online transaction through the brokerage window in a 403b, and also in the brokerage window in an IRA. We've purchased three different PRIMECAP funds (not the "Vanguard versi...
by ResearchMed
Sun Jan 13, 2019 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PRIMECAP and Capital Opportunity
Replies: 48
Views: 2696

Re: Vanguard PRIMECAP and Capital Opportunity

You can’t buy Odyssey through Vanguard. I tried but it didn’t work, maybe I’m missing something. We have no problem. It's an online transaction through the brokerage window in a 403b, and also in the brokerage window in an IRA. We've purchased three different PRIMECAP funds (not the "Vanguard versi...
by ResearchMed
Sun Jan 13, 2019 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PRIMECAP and Capital Opportunity
Replies: 48
Views: 2696

Re: Vanguard PRIMECAP and Capital Opportunity

You can actually have more than 4 accounts with Vanguard Primecap, rollover IRA, brokerage rollover IRA, Roth IRA, brokerage Roth IRA, taxable brokerage account. It's also available in some 403b type accounts (ours, for existence). Also, PRIMECAP will allow someone to purchase a *closed* fund in a ...
by ResearchMed
Sun Jan 13, 2019 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PRIMECAP and Capital Opportunity
Replies: 48
Views: 2696

Re: Vanguard PRIMECAP and Capital Opportunity

You can actually have more than 4 accounts with Vanguard Primecap, rollover IRA, brokerage rollover IRA, Roth IRA, brokerage Roth IRA, taxable brokerage account. It's also available in some 403b type accounts (ours, for existence). Also, PRIMECAP will allow someone to purchase a *closed* fund in a ...
by ResearchMed
Sun Jan 13, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4038
Views: 1100665

Re: What Movie Have You Recently Watched?

We saw "On the Basis of Sex" (Ruth Bader Ginsberg early life/career). Obviously, we know "how it turned out" thus far, and the movie ends long before she reaches the heights of her career. But IF we had not known where she was heading, I don't think we would have found the movie as compelling. We we...
by ResearchMed
Sun Jan 13, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Inquiry - But Haven’t Applied for Anything
Replies: 8
Views: 595

Re: Credit Inquiry - But Haven’t Applied for Anything

Yes, if you haven't done anything to cause it. Did you not get credit freezes at each of the agencies? I did a fraud alert so I’m supposed to be contacted before any new credit is extended. I know a freeze would have been better but I wanted the flexibility if I decided to open a new account. Have ...
by ResearchMed
Sun Jan 13, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Medicare enrollment-Part B only
Replies: 12
Views: 1031

Re: Medicare enrollment-Part B only

I too am forced to retire from my job of 23 years - I have new 40ish year old women boss. I have the 2 forms to fill out - Monday will discuss with my Human Resources Dept - since my firm is so big not sure where - what office to go to and get the forms signed - will resolve this on Jan 14th. How l...
by ResearchMed
Sat Jan 12, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3167
Views: 614632

Re: What's Your Credit Card Rewards Strategy?

Is there a way us to verify if our new Barclay Arrival card (partner of AA) IS a "chip and PIN" rather than regular "chip and signature"? Thanks. RM I believe all Barclaycards issued have chip and pin capability. No card issued in the United States is a chip and pin only card. Thanks. We hope so, a...
by ResearchMed
Sat Jan 12, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3167
Views: 614632

Re: What's Your Credit Card Rewards Strategy?

While the discussion is primarily about how to get the best deal, I'd like to mention a strategy that may not be obvious. (I have one 2% cash back card - that's all I need.) I just started my very first Health savings account . The fund provider issued a debit card for the convenience of minimizing...
by ResearchMed
Sat Jan 12, 2019 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: 4 cents left in traditional IRA after Backdoor Roth
Replies: 13
Views: 1210

Re: 4 cents left in traditional IRA after Backdoor Roth

I would have thought that when transferring, the later arriving interest would "follow along". Nope. At both TIAA and Schwab, the accounts were zero'd out, with the full transfer. For the large amount transferred out of TIAA, suddenly a few hundred dollars appeared. In the much smaller Schwab accoun...
by ResearchMed
Sat Jan 12, 2019 12:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Treasury vs Federal MoneyMarket
Replies: 9
Views: 739

Re: Vanguard Treasury vs Federal MoneyMarket

Any other Treasury MM owners out there? I use it for my emergency fund, even though I have WAY less than the $50k minimum. How did this happen? When I first started investing at Vanguard in the 90s, I went looking for the most conservative fund they had, which was Treasury moneymarket. At the time ...
by ResearchMed
Sat Jan 12, 2019 12:00 pm
Forum: Investing - Theory, News & General
Topic: best ways to move to Vanguard
Replies: 6
Views: 521

Re: best ways to move to Vanguard

It also depends if you want to be in cash (out of the market) while the transfer is made.

RM
by ResearchMed
Sat Jan 12, 2019 11:11 am
Forum: Investing - Help with Personal Investments
Topic: E-Trade or Charles Schwab
Replies: 14
Views: 647

Re: E-Trade or Charles Schwab

We have no experience with E-trade, but our experiences with Schwab have all been wonderful. Their customer service is great, at a local branch and also their phone service. Recently, we've used their online chat, and even that has been great. When we have more of our money "freed up" (able to remov...
by ResearchMed
Sat Jan 12, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: "Borrowing" strategy from IRA
Replies: 19
Views: 910

Re: "Borrowing" strategy from IRA

If you have a spouse, perhaps you could use the spouse's IRA to repay yours, thus turning 60 days into 120. If I were doing this, I would go so far as to open an IRA account at some institution where I could walk in around day 55, make a deposit, and walk out with the receipt in hand. A good strate...
by ResearchMed
Sat Jan 12, 2019 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Rollover - why checks instead of wiring funds?
Replies: 35
Views: 1411

Re: Rollover - why checks instead of wiring funds?

We've been able to do the transfer electronically between vendors (e.g.,Vanguard & Fidelity), but both are in the same 403b plan. And it can be "in kind", rather than just cash. As for "delays" when checks are used, such as from 403b to an IRA, sometime approximately 10-15 years ago, TIAA-CREF (then...
by ResearchMed
Sat Jan 12, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: Optimal Investment Strategy for Retirement Using the Coverage Ratio
Replies: 4
Views: 517

Re: Optimal Investment Strategy for Retirement Using the Coverage Ratio

I think the utility of the coverage ratio, as defined in this paper, is a better metric than the commonly-used failure rate, but the paper assumes a constant inflation-adjusted spending regardless of portfolio performance and that the number of years in retirement is known. It would be good to rela...
by ResearchMed
Sat Jan 12, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 33
Views: 3192

Re: How to buy business class tickets?

Look online at the airline's site and map out the flights you want to take. If plenty of seats are available on all flights, buy coach, then upgrade them using points. I've done this many times and it's been the only way I've been able to book 4 seats for my family together using points. Trying to ...
by ResearchMed
Sat Jan 12, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3167
Views: 614632

Re: What's Your Credit Card Rewards Strategy?

Is there a way us to verify if our new Barclay Arrival card (partner of AA) IS a "chip and PIN" rather than regular "chip and signature"?

Thanks.

RM
by ResearchMed
Fri Jan 11, 2019 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: "Borrowing" strategy from IRA
Replies: 19
Views: 910

Re: "Borrowing" strategy from IRA

Hi ResearchMed, Any idea what the turn around time is to get the funds from Vanguard for the 60 day loan strategy? Zach Unfortunately, no. We did that with Schwab, and there's a branch within minutes of our house. So we called up, and the next day, they had a check waiting for us. You might want to...
by ResearchMed
Fri Jan 11, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: "Borrowing" strategy from IRA
Replies: 19
Views: 910

Re: "Borrowing" strategy from IRA

Arctic and Samsdad, Thanks! Really rough times and shut down like worst timing. So sorry that all of this is happening at the same time. Not getting paid... really absurd as well as unfortunate. We've made use of the "60 day loan" aspect of IRA's. Until a few years ago, it was "once per year per IR...
by ResearchMed
Fri Jan 11, 2019 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 23
Views: 2908

Re: Fidelity Problems

I am confused, is this in an IRA or a taxable account where you were doing the TLH since TLH only works in a taxable account. I am working with Vanguard where they reinvested dividends (contrary to the account instructions) to funds that I had sold to TLH in two different taxable accounts causing a...
by ResearchMed
Fri Jan 11, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 46
Views: 5177

Re: Who's flying?

One USA domestic airport announced they'd be closing the TSA security at one terminal.
My understanding is that everyone would need to go through security at one of the other terminals, and then go to "that" terminal if necessary.

RM
by ResearchMed
Fri Jan 11, 2019 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Combining multiple accounts -which brokerage?
Replies: 4
Views: 288

Re: Combining multiple accounts -which brokerage?

We use several different vendors now, due to various IRA's and 403b's. But once DH retires, we'll probably consolidate, but we'll never use only one. Just in case of software glitches (or something more nefarious), we'd prefer to have more than one way to access at least short term funding. If most/...
by ResearchMed
Fri Jan 11, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 278
Views: 64960

Re: How to Minimize Your Emergency Care Expenses

In my health insurance policy I see some procedures require "pre approval" to be covered. They aren't just elective things either. Does the hospital usually check your insurance and get pre approval when necessary without you asking? What if you're not in a condition to ask for pre approval, e.g.un...
by ResearchMed
Fri Jan 11, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 673
Views: 12163

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST

I see several duplicate entries, so there's more work to be done. According to the rules, the earliest entry is the only one that counts. Can the duplicates be removed? If anyone is running stats on the distribution, the duplicate entries will skew the results. I suggest posting the duplicate names...
by ResearchMed
Thu Jan 10, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Best place to sell stuff?
Replies: 21
Views: 1573

Re: Best place to sell stuff?

I find my local Salvation Army a rewarding place to donate items I no longer want, and to shop for "new" clothes. I get that you don't receive $$, but it's a worthy charity. It also saves on the hassle and time of selling and transacting goods/money. It's just easy, and quick. The Salvation Army in...
by ResearchMed
Thu Jan 10, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Good bags/containers for packing snacks?
Replies: 17
Views: 911

Re: Good bags/containers for packing snacks?

Wow. Putting boiling water in a freezer ziploc is a great idea! Then we could cook fresh pasta later in the day, on a picnic. Neat! :wink: RM Classic backpacker meals are made this way. Idahoan mash potatoes, ramen, Knorr sides, oatmeal etc. No messy pot cleaning. See youtube.com Hey, livesoft... I...
by ResearchMed
Thu Jan 10, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Good bags/containers for packing snacks?
Replies: 17
Views: 911

Re: Good bags/containers for packing snacks?

There are many varieties of bags which use different plastics. Storage bags, freezer bags, and some other kind. Try a different variety. Freezer bags are great because one can put boiling water in them unlike the other bags. Wow. Putting boiling water in a freezer ziploc is a great idea! Then we co...
by ResearchMed
Thu Jan 10, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Travel Companies Similar to "Road Scholar"?
Replies: 21
Views: 1495

Re: Travel Companies Similar to "Road Scholar"?

I know you mentioned that your spouse wanted both “organized” and “educational”, but you can achieve the 2nd part on your own by booking small group tours through Context travel. They do half day and day tours in major cities with local guides. We really enjoyed the half day archeological tour of L...
by ResearchMed
Wed Jan 09, 2019 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth premium increase
Replies: 19
Views: 1417

Re: Genworth premium increase

I don't know. What I will say, and this is after seeing my grandparents experience, is you may not need this policy for 20 years. How many more increases will there be? How many times will you need to decide to pony up a big increase or take a cut in benefits? My grandparents eventually wound up wi...
by ResearchMed
Wed Jan 09, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth premium increase
Replies: 19
Views: 1417

Re: Genworth premium increase

I don't know. What I will say, and this is after seeing my grandparents experience, is you may not need this policy for 20 years. How many more increases will there be? How many times will you need to decide to pony up a big increase or take a cut in benefits? My grandparents eventually wound up wi...
by ResearchMed
Wed Jan 09, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 97
Views: 8642

Re: Shingrix [Vaccine availability]

I didn't know an Rx was needed for Shingrix. It is not needed. age dependent - if you (for unknown reason) need to be vaccinated before the recommended age (I think that's 60?) Ah, thanks. Good to know, although we are well "old enough" :annoyed I just didn't understand about the Rx part. RM
by ResearchMed
Wed Jan 09, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: Travel Companies Similar to "Road Scholar"?
Replies: 21
Views: 1495

Re: Travel Companies Similar to "Road Scholar"?

I had the opposite problem with RS. Trip to Rome, art focus. RS cancelled the trip 30 days out, due to not enough signups. Since I had booked a private week in Florence after it, I was not happy. Lost my deposit for that sector. RS claimed not their problem, please see the fine print. Yes. That is ...
by ResearchMed
Wed Jan 09, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Travel Companies Similar to "Road Scholar"?
Replies: 21
Views: 1495

Re: Travel Companies Similar to "Road Scholar"?

When it comes to travel, I'm a "free spirit" - no reservations, stay away from crowds, if I have to spend the night sleeping on a beach or a bench, no problem. My wife, however, prefers to travel in comfort, and she enjoys organized/educational travel. Hey, that's OK with me - I have to compromise ...
by ResearchMed
Wed Jan 09, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question hindsight
Replies: 65
Views: 4857

Re: Social Security question hindsight

True. https://www.fool.com/retirement/general/2016/04/19/when-does-the-average-american-start-collecting-so.aspx My goodness gracious! According to the chart, only 10% or so of Americans make it past FRA. And about 3% make it to 70. I expect that the percentages amongst Bogleheads are much higher. ...
by ResearchMed
Wed Jan 09, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 97
Views: 8642

Re: Shingrix [Vaccine availability]

I didn't know an Rx was needed for Shingrix. It is not needed. Thanks. I mentioned that in response to the comment above: " For the first shot our doctor had sent an Rx to our pharmacy which put us on their waiting list. " Perhaps that helps with priority on a waiting list? Er, that is, IF we can e...
by ResearchMed
Wed Jan 09, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 97
Views: 8642

Re: Shingrix [Vaccine availability]

This is my understanding and experience with Shingrix -- Both the first and second dose are the same shot Recommend the second shot is administered between 2 - 6 months after the first You may (or may not) feel lousy the day after the shot so plan accordingly Some people don't have any adverse reac...
by ResearchMed
Wed Jan 09, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 97
Views: 8642

Re: Shingrix [Vaccine availability]

This is my understanding and experience with Shingrix -- Both the first and second dose are the same shot Recommend the second shot is administered between 2 - 6 months after the first You may (or may not) feel lousy the day after the shot so plan accordingly Some people don't have any adverse reac...
by ResearchMed
Wed Jan 09, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Social Security question hindsight
Replies: 65
Views: 4857

Re: Social Security question hindsight

I've seen statistics somewhere that most folks start benefits at or before their FRA, and only a tiny percentage wait until age 70. True. https://www.fool.com/retirement/general/2016/04/19/when-does-the-average-american-start-collecting-so.aspx My goodness gracious! According to the chart, only 10%...