Search found 9979 matches

by ResearchMed
Mon May 25, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 18
Views: 858

Re: Robot vacuums

if you have a house>1500sq feet then do ensure to buy a one with Mapping capability. I had bought eufy and it wasnt even able to finish 3 rooms in an hour. I returned and switched to roborock and since then its able to clean entire down stairs in 1 charge. Cleaning it has the same effort as emptyin...
by ResearchMed
Mon May 25, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting for Gifts?
Replies: 13
Views: 634

Re: Budgeting for Gifts?

Hi all, I've gathered that the general advice is to keep a month or two of expenses in a checking account, have some amount of money in an emergency fund (6-12 months expenses), and invest the rest. So, how do budget/handle gifts? Do you save up cash for the holidays and birthdays or withdraw from ...
by ResearchMed
Mon May 25, 2020 8:41 am
Forum: Investing - Theory, News & General
Topic: "The stocks are up but the economy's down"--good "Indicator" podcast episode
Replies: 12
Views: 1395

Re: "The stocks are up but the economy's down"--good "Indicator" podcast episode

I'm getting a "The requested page could not be found." for the link to the transcript.

RM
by ResearchMed
Mon May 25, 2020 8:34 am
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 21
Views: 3282

Re: Del Webb 55+ communities?

Do any of you live in a DW community or have thoughts about them vs. other similar active retirement communities? Looking for thoughts/opinions, etc. Florida based would be my first choice. Thanks Not Florida, but... Do think about the "what next" stage. We have friends that chose a very nice "55+"...
by ResearchMed
Sun May 24, 2020 9:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5431
Views: 1349302

Re: What Movie Have You Recently Watched?

Mystic River on Netflix. The movie was excellent! That movie depressed me so much that I told my wife I'm never going to see anything like it again. I'm not saying it wasn't a good movie. But I don't need to intentionally make myself depressed. Just saying. I've stopped even trying to watch depress...
by ResearchMed
Sun May 24, 2020 3:43 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2546

Re: TIAA traditional vs. Vanguard Total Market Bond index

Talked to people at the Pension Research Council at Wharton some time ago where I work(work at Penn) and they advocate the TIAA Cref ‘hybrid co-operative pension system’. I don’t see Penn changing because I don’t think there’s another provider that offers a hybrid co-operative pension model. "Hybri...
by ResearchMed
Sat May 23, 2020 11:14 pm
Forum: Investing - Theory, News & General
Topic: TIAA warns on negative yields on money market funds
Replies: 71
Views: 4684

Re: TIAA warns on negative yields on money market funds

Kinda looks like a money market fund to me: The Fund seeks high current income consistent with maintaining liquidity and preserving capital. Generally it seeks to maintain a share value of $1.00 per share. The fund invests at least 99.5% of its total assets in cash, U.S. Government securities and/o...
by ResearchMed
Sat May 23, 2020 9:42 pm
Forum: Personal Investments
Topic: Annuity
Replies: 11
Views: 852

Re: Annuity

The annuity has a 10 year certain period. Does it also include a joint and survivor feature - i.e, does it pay a percentage like 100% to your spouse if you die? The annuity will pay my spouse the full amount up to ten years if I die before ten years. If I die after ten years, then it ends. How old ...
by ResearchMed
Sat May 23, 2020 7:49 pm
Forum: Investing - Theory, News & General
Topic: TIAA warns on negative yields on money market funds
Replies: 71
Views: 4684

Re: TIAA warns on negative yields on money market funds

Wonder how TIAA will sustain its guaranteed 3% on its Traditional account? That shouldn't be a problem for many years. Almost all of the bonds backing the TIAA Traditional account were purchased when rates were much higher. Also, they hold mostly long-duration bonds, given the restrictions on remov...
by ResearchMed
Sat May 23, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 8686

Re: Personal spending out of control after Covid-19

Kids are 3 and 5. Surprised they like ghost pepper chips. LOL, no those are for me. I figured if I was going to eat chips I might as well eat the ones I like. Only buy cheap chips that you don't like. The worst possible outcome will be that you save money. With any luck you won't be tempted to snac...
by ResearchMed
Sat May 23, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 8686

Re: Personal spending out of control after Covid-19

Since the pandemic erupted, and the kids have been home alone with me while my wife goes off to work, I find I'm drinking more and spending more time shopping online. In the past month, I've spent a ridiculous amount of money replacing a tree that had been bothering me since we moved into the house...
by ResearchMed
Sat May 23, 2020 8:57 am
Forum: Investing - Theory, News & General
Topic: TIAA warns on negative yields on money market funds
Replies: 71
Views: 4684

Re: TIAA warns on negative yields on money market funds

Looks like negative rates may be coming sooner rather than later as giant TIAA warns. TIAA has put a limited, short-term expense waiver in place to help prevent the CREF Money Market Account from having negative yields https://www.tiaa.org/public/land/moneymarketchanges?tc_mcid=em_MMarket_IAS_Assig...
by ResearchMed
Sat May 23, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 21
Views: 3282

Re: Del Webb 55+ communities?

Do any of you live in a DW community or have thoughts about them vs. other similar active retirement communities? Looking for thoughts/opinions, etc. Florida based would be my first choice. Thanks Not Florida, but... Do think about the "what next" stage. We have friends that chose a very nice "55+"...
by ResearchMed
Sat May 23, 2020 8:35 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 81
Views: 3791

Re: Tips to stick to a weight loss diet?

Everyone is different but I too have switched to a low carb Leto diet during this shelter at home... 25lbs down in 3 months... Low carb can be tough but I’ve been able to do it by splurging more on good proteins and fat to the point that I am not hungry... Yes keeping track of what you eat is a pai...
by ResearchMed
Fri May 22, 2020 7:17 pm
Forum: Investing - Theory, News & General
Topic: Efficiency or resiliency in investing, business, personal finance, etc.
Replies: 83
Views: 3487

Re: Efficiency or resiliency in investing, business, personal finance, etc.

Also... is "resiliency" a real word? What does "resiliency" gives us that "resilience" does not? Resiliency : an ability to recover from or adjust easily to adversity or change From: https://www.google.com/search?q=define+resilience&rlz=1C1CHBF_enUS716US717&oq=define+resilience&aqs=chrome..69i57j0l...
by ResearchMed
Thu May 21, 2020 11:00 am
Forum: Personal Investments
Topic: TIAA Annuity Help understanding Contact Language
Replies: 22
Views: 1262

Re: TIAA Annuity Help understanding Contact Language

Here's a link to the Morningstar TIAA funds forum, with the May accumulation and payout rates for the various flavors of TIAA Traditional: https://community.morningstar.com/t5/TIAA-Funds/TIAA-Traditional-Rates-May-1-2020/td-p/696813 You can also register to ask questions on that forum - some of the...
by ResearchMed
Wed May 20, 2020 6:15 pm
Forum: Personal Investments
Topic: TIAA Annuity Help understanding Contact Language
Replies: 22
Views: 1262

Re: TIAA Annuity Help understanding Contact Language

Here's a link to the Morningstar TIAA funds forum, with the May accumulation and payout rates for the various flavors of TIAA Traditional: https://community.morningstar.com/t5/TIAA-Funds/TIAA-Traditional-Rates-May-1-2020/td-p/696813 You can also register to ask questions on that forum - some of the...
by ResearchMed
Wed May 20, 2020 12:46 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3552

Re: Safely disinfecting frozen food packages from corona virus?

It may indeed be overkill, but as a person who cannot seem to keep from touching my face, I do worry about transfer. We know that viruses are preserved by refrigeration or freezing, so I do disinfect items destined for fridge or freezer. I use 91% isopropyl squirted onto a square of paper towel. I ...
by ResearchMed
Wed May 20, 2020 11:58 am
Forum: Personal Investments
Topic: 401K Rollover Timing and Covid Volatility
Replies: 9
Views: 339

Re: 401K Rollover Timing and Covid Volatility

Hi all, My work 401k plan terminated and I will rollover the funds to my Vanguard IRA. My employer has given me until 8/31 to commence with that process. Is there any advantage in waiting for some time other than today to start the process or is that essentially just another ill-advised form of mar...
by ResearchMed
Wed May 20, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations: Marriage in your 50s/60s
Replies: 23
Views: 1831

Re: Financial Considerations: Marriage in your 50s/60s

Prenup and separate your finances as much as possible. Make sure there's an acceptable plan for the adult children in terms of inheritance. It's a perfectly reasonable request. Rather than endless arguments about each other's spending habits, letting the big spender spend "their" money and the save...
by ResearchMed
Tue May 19, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2929

Re: Choices of and precautions at hotels in this summer

I used to ask for no housekeeping when I did field support on equipment that I worked on at night. It might be observed for a day or two but then housekeeping showed up. My guess is they may get paid by the number of rooms they do. I think part of this is that they do need to check occasionally for...
by ResearchMed
Mon May 18, 2020 11:06 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3972

Re: Dual citizen, USA passport expiring, how to travel internationally

The continued replies are extremely helpful (& admittedly fascinating to me for some reason). Family member was pursuing an open in person acceptance facility this morning. I know they had their identity documents with them. I did not get a status update from them. But all in all they are making an...
by ResearchMed
Mon May 18, 2020 11:04 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3413

Re: Sources for N95 masks

Looks like you can get Given the markup for real n95 masks and dubious quality of the suppliers for kn95, I would splurge on a half or full mask respirator that lasts longer and are legitimately reusable (including on your next home improvement project if this virus ever blows over). Don't forget t...
by ResearchMed
Mon May 18, 2020 10:54 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2929

Re: Choices of and precautions at hotels in this summer

For quite some time, we ask the NO housekeeping enter the room (NO one, housekeeping or not) unless we request it. We'll ask housekeeping to bring some fresh towels/etc., and then hand them the used ones. We don't need the bed made up with fresh linens every day, and we don't need turn down service ...
by ResearchMed
Mon May 18, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3413

Re: Sources for N95 masks

Is there any way of determining that any of the masks aren't fakes, if they aren't purchased through, say, real medical supply firms or pharmacies, etc.?
I assume the answer is "no", because any type of labeling with "proper" ID info/mfg/etc., would be faked, too.

RM
by ResearchMed
Mon May 18, 2020 4:22 pm
Forum: Investing - Theory, News & General
Topic: Efficiency or resiliency in investing, business, personal finance, etc.
Replies: 83
Views: 3487

Re: Efficiency or resiliency in investing, business, personal finance, etc.

The recent downturn has made it clear that many consumers, small businesses, and even large corporations were set up to be efficient and not resilient. I've heard of many stories of landlords, for instance, who are at risk of foreclosure if they miss a couple of months of rent on their properties. ...
by ResearchMed
Mon May 18, 2020 4:05 pm
Forum: Investing - Theory, News & General
Topic: Efficiency or resiliency in investing, business, personal finance, etc.
Replies: 83
Views: 3487

Re: Efficiency or resiliency in investing, business, personal finance, etc.

The recent downturn has made it clear that many consumers, small businesses, and even large corporations were set up to be efficient and not resilient. I've heard of many stories of landlords, for instance, who are at risk of foreclosure if they miss a couple of months of rent on their properties. ...
by ResearchMed
Mon May 18, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2929

Re: Choices of and precautions at hotels in this summer

If you really wanted to be cautious I suppose you could pay for the room for a few extra days before you arrive. Sort of like buying the middle seat next to you on an airplane so it won't be occuplied. I guess you still have to check in to keep your hotel rooms. Not necessarily. For one thing, some...
by ResearchMed
Sun May 17, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3972

Re: Dual citizen, USA passport expiring, how to travel internationally

Agreed. And also not sure that "missing the cruise ship" is an "emergency". Well, by the time the ship has sailed, I guess it IS an emergency then, about how to get home! I was mostly questioning: 8 USC 1185 provides in relevant part that " it shall be unlawful for any citizen of the United States t...
by ResearchMed
Sun May 17, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3972

Re: Dual citizen, USA passport expiring, how to travel internationally

8 USC 1185 provides in relevant part that "it shall be unlawful for any citizen of the United States to depart from or enter, or attempt to depart from or enter, the United States unless he bears a valid United States passport." I'd recommend that your family member apply for a new US passport ASAP...
by ResearchMed
Sun May 17, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3972

Re: Dual citizen, USA passport expiring, how to travel internationally

Just curious... What would happen to such a person upon trying to re-enter the USA. (This assumes that *leaving* the country on that "other country's" passport works.) I thought the USA would *not* deny entry to a US citizen, although arriving without a valid passport would delay things while Immigr...
by ResearchMed
Sun May 17, 2020 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Cancel for any reason - travel insurance
Replies: 21
Views: 1237

Re: Cancel for any reason - travel insurance

Hint for CFAR - VERIFY with your policy & company: - I always get CFAR with Travel Insured, through tripinsurance store - you must insure 100% of the non-refundable costs within 21 days, not necessarily the whole trip cost I have an existing cruise planned for July 2021: - when I booked it in Febru...
by ResearchMed
Sat May 16, 2020 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Cancel for any reason - travel insurance
Replies: 21
Views: 1237

Re: Cancel for any reason - travel insurance

Thanks for the input everyone. I have used insuremytrip.com in the past. Likewise I found tripinsurancestore.com. My reason for obtaining insurance is because the ticket currently is non-refundable via Condor Air. As U.S. citizens it is unclear if the country we are going to will allow us in. The r...
by ResearchMed
Sat May 16, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for first time homebuyer? Cheapest mortgages?
Replies: 9
Views: 1056

Re: Advice for first time homebuyer? Cheapest mortgages?

Tell him to also check with 3-4 local banks and credit unions. They aren't going to be listed on bankrate.com, but often have very competitive rates. This is what we have done also. It was worth the relatively small amount of time to call around and check several places (credit unions, banks, etc.)...
by ResearchMed
Sat May 16, 2020 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to complain about a lender/mortgage broker
Replies: 4
Views: 419

Re: How to complain about a lender/mortgage broker

What money are you wiring, if this is a refinance? If it's for an appraisal or other miscellaneous costs for a refi, can't you pay those by charge card? Usually wiring money for real estate is for a purchase, when there are significant amounts due from the buyer, especially for the down payment. I d...
by ResearchMed
Sat May 16, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Cancel for any reason - travel insurance
Replies: 21
Views: 1237

Re: Cancel for any reason - travel insurance

We just booked an international flight a few days ago. I have considered purchasing a "cancel for any reason" trip insurance policy through John Hancock. We plan to take the trip but if it turns out we cannot go, it looks like as long as we cancel at least 48h prior to the start of the trip, we can...
by ResearchMed
Sat May 16, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Rental property: experiences with property management companies?
Replies: 11
Views: 770

Re: Rental property: experiences with property management companies?

Keep in mind that, as with many things, NO one will care about *your* property the way you do. That includes the tenants, but also any managers, who will need to "clean up" any problems during or after a rental. This is not necessarily a really bad thing. You are getting the services, freeing up you...
by ResearchMed
Sat May 16, 2020 12:23 am
Forum: Personal Finance (Not Investing)
Topic: 1 month from closing...change lenders?
Replies: 5
Views: 613

Re: 1 month from closing...change lenders?

You could be putting your earnest money in danger. Voluntarily withdrawing your original mortgage application could waive your financing contingency since you didn't follow through with financing if your second lender doesn't come through in time. You could also play hardball with your current lend...
by ResearchMed
Sat May 16, 2020 12:17 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5679

Re: Should I buy a new rice cooker from Zojirushi?

Which Zojirushi is best for both rice (several types) and for steel cut oats? I also don't like or want a pressure cooker. I don't mind if there is a "pressure" setting, as long as one can cook all the time without using that particular setting. A timer and "extended heating" setting would be useful...
by ResearchMed
Fri May 15, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: 1 month from closing...change lenders?
Replies: 5
Views: 613

Re: 1 month from closing...change lenders?

I'm buying, 1 month from closing. Had the appraisal come back, waiting for PMI company. 3.375% 30 year. Now it looks like there's a 30 year available from another lender at 2.75%. Is it possible to switch at this point? How crappy would that be? If you can get the newer lender to get it all arrange...
by ResearchMed
Fri May 15, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: close my amex blue preferred?
Replies: 16
Views: 1187

Re: close my amex blue preferred?

I started out having/using an amex blue cash everyday card 10 years or so ago, and then about 4 years ago got the amex blue preferred card for the better grocery rebates. For the foreseeable future we will now be getting most of our groceries via Amazon (with the 5% store card rebate), so the $95 a...
by ResearchMed
Fri May 15, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3409

Re: Email from Vanguard

celia wrote:
Thu May 14, 2020 11:16 pm
cowdogman wrote:
Thu May 14, 2020 3:30 pm
. . . I have suggested to my wife that if I disappear one day she should work with Vanguard's advisory team.
I have suggested to my DH that if I disappear one day, he should call the police.

Personally, I would prefer they find me rather than have my accounts re-balanced.
:beer
:D

RM
by ResearchMed
Fri May 15, 2020 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Worth refinancing?
Replies: 18
Views: 1022

Re: Worth refinancing?

Current: 30 year 165k owed 4.75% PITI- $1234 Have been renting out the rooms to cover $1200 the last 18 months Quoted: 30 year 170k loan on 3.625 PITI- 1032 Have a couple moving out and will have another guy move in. Total rent will be $875 meaning Id pay $157 per month Thoughts? Why does "who is l...
by ResearchMed
Fri May 15, 2020 7:10 am
Forum: Personal Finance (Not Investing)
Topic: How to handle possible Mold issue in Rental
Replies: 10
Views: 744

Re: How to handle possible Mold issue in Rental

I recently signed a six-month lease for a rental unit in Washington state starting on May 1st. I began experiencing some coughing after moving in and assumed that it was dust emerging from the heating air ducts and floor registers. I brought some air purifiers to the unit and run them both within o...
by ResearchMed
Thu May 14, 2020 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mulitple Locks for mortgage refi
Replies: 8
Views: 696

Re: Mulitple Locks for mortgage refi

I applied at a few place and got some estimates, I heard back from the first one which offered 3.25% refi with a $7 fee. I thought it was good so I asked to lock with them at 3.25. The other company came back with 3.125% refi with no fees. I sent an email and called the first company asking if they...
by ResearchMed
Wed May 13, 2020 10:39 pm
Forum: Personal Investments
Topic: TIAA Traditional: My Best "Bond" Fund?
Replies: 23
Views: 1762

Re: TIAA Traditional: My Best "Bond" Fund?

I have some money at TIAA 403b account from my previous job. I don't quite understand how TIAA Traditional works. It seems to give an incentive of a guaranteed minimum 3% interest to keep the money in the "fund". At the retirement, I will have an option to use the money in TIAA traditional to recei...
by ResearchMed
Wed May 13, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10750

Re: Dentist charges $10 for PPE

That’s ridiculous. I’d go buy a 50 cent surgical mask and 10 cent nitrile gloves and give them to the dental office and demand a refund. $10 is just absurd. Where are you finding 50 cent surgical masks? Please let me know, I would like to buy a bunch. 50 for 26.99 = $0.54 ea w/ free shipping https:...
by ResearchMed
Wed May 13, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 4818

Re: 90%+ chocolate bar

I noticed something, anything labeled "dark chocolate" does not have any milk. So even if it's 70-90% cocoa, it won't have any milk. The extra ingredient would be sugar. Does anyone know why there isn't even a little milk? Or why there isn't dark chocolate which is just cocoa + milk (no sugar), rat...
by ResearchMed
Wed May 13, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 4818

Re: 90%+ chocolate bar

I noticed something, anything labeled "dark chocolate" does not have any milk. So even if it's 70-90% cocoa, it won't have any milk. The extra ingredient would be sugar. Does anyone know why there isn't even a little milk? Or why there isn't dark chocolate which is just cocoa + milk (no sugar), rat...
by ResearchMed
Wed May 13, 2020 12:35 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13030

Re: Will "work from home" destroy the commercial real estate market?

The biggest disadvantage of work from home is that we do not own a home that accommodates this. I work at the kitchen table. My wife’s files take up the entire dining room table. It’s impractical to put everything away and set up again the following day. My house is a mess. In a permanent WFH situa...