Search found 5952 matches

by ResearchMed
Sat Apr 21, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Long term care ins John Hancock
Replies: 20
Views: 591

Re: Long term care ins John Hancock

This may be a really good use of Ibond investing. Since I did not need to use my iBonds for my son's education I have "repurposed" that money for self funding LTC. I think, in the long run, it will be better because I think, again, in the long run, the idea of a long stay at a hospital or nursing h...
by ResearchMed
Sat Apr 21, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Long term care ins John Hancock
Replies: 20
Views: 591

Re: Long term care ins John Hancock

This may be a really good use of Ibond investing. Since I did not need to use my iBonds for my son's education I have "repurposed" that money for self funding LTC. I think, in the long run, it will be better because I think, again, in the long run, the idea of a long stay at a hospital or nursing h...
by ResearchMed
Sat Apr 21, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 13
Views: 399

Re: Medical alert "button"

My Mom had one and had to use it twice so they are a good idea. It was long enough ago that I can't really give a recommendation on the company. When we looked into this the contracts with the company seem to be the biggest problem since and in addition to knowing how it works if they die you also ...
by ResearchMed
Sat Apr 21, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 13
Views: 399

Re: Medical alert "button"

Think very seriously about getting a device that has "fall detection", so IF someone falls and can't move/etc., help is started (e.g., phone call sequence, then 911... whatever is set up). RM Thanks, RM. Will certainly add the "fall detection" feature to whatever "buttons" get short-listed! Edit: G...
by ResearchMed
Sat Apr 21, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 33
Views: 1313

Re: Settlement Offer -- Accept or Wait?

I'm not sure what you mean by your question. The care I described was the only care I received. Beyond the items I listed, no care was necessary. I didn't see in your original post that you used your medical insurance for the hospital visit but they offered to reimburse you for the co pay. Good luc...
by ResearchMed
Sat Apr 21, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 13
Views: 399

Re: Medical alert "button"

Just starting to research options for getting a medical alert "button" for my elderly parents (well, two buttons - one for each of them). I know of at least one person whose parent has one, and from what I can tell they seem satisfied enough. My parents live independently, together, but are increas...
by ResearchMed
Thu Apr 19, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Replies: 31
Views: 2037

Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?

Thanks again for the information about "current fundholders" being able to purchase in a different account. I was indeed just able to buy "more" in an IRA (where there was currently no POAGX), in addition to the amount we already have in a 403b. Got that done, just in case they change the rules... o...
by ResearchMed
Thu Apr 19, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Replies: 31
Views: 2037

Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?

I'm glad thus question was brought up because I have a similar one: Does anyone have any thoughts on PRIMECAP Odyssey Stock Fund (POSKX)? ER (.67). This is one of remaining funds I have yet to liquidate from transferring my IRA from EDJ to Vanguard. I haven't liquidated this one yet because it look...
by ResearchMed
Thu Apr 19, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10387

Re: Quitting job - what to do if getting walked to the door

I'm not talking about what is legal. I'm referring to the reality of what will happen in certain companies under a "getting walked to the door" situation. Security certainly could be called. An Employee could contest it later, but "in the moment", it's going to be " The Employee vs. The Security Of...
by ResearchMed
Thu Apr 19, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Replies: 31
Views: 2037

Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?

Somewhat related to Miriam2’s point: Vanguard will not let you invest in their own closed funds e.g. Vanguard PRIMECAP (unless you have Flagship), even if you have that same fund in another account with them. So if you already have VG PRIMECAP in your tIRA, you can buy more of that fund (with limit...
by ResearchMed
Wed Apr 18, 2018 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Replies: 31
Views: 2037

Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?

Somewhat related to Miriam2’s point: Vanguard will not let you invest in their own closed funds e.g. Vanguard PRIMECAP (unless you have Flagship), even if you have that same fund in another account with them. So if you already have VG PRIMECAP in your tIRA, you can buy more of that fund (with limit...
by ResearchMed
Wed Apr 18, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Buy rental property out of state !
Replies: 16
Views: 1265

Re: Buy rental property out of state !

I kept reading about people having out of state property for rental and collect rent. It just sound wonderful collecting rent :sharebeer I am sure there are hiccup and headache along the way. :oops: Could you share the A B C of successfully doing this ? IF you are interested in owning rental proper...
by ResearchMed
Wed Apr 18, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Replies: 31
Views: 2037

Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?

Hello everyone Frequent reader finally posting a question; thank you everyone for so much awesome information and guidance!! My 401K contains multiple funds, through research I've selected what I consider the best options, with a 70/30 AA (early 30's): 20%, Fidelity® U.S. Bond Index Fund - Premium ...
by ResearchMed
Wed Apr 18, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10387

Re: Quitting job - what to do if getting walked to the door

I can't believe people let themselves be led out while leaving personal items behind. I wouldn't allow it. I don't like people touching my stuff. It's not up to the employee in these situations. Security would be called if there is any "problem", and Security might be called routinely for the "esco...
by ResearchMed
Wed Apr 18, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle former employer’s retirement plan
Replies: 23
Views: 1645

Re: How to handle former employer’s retirement plan

You shouldn't be thinking about withdrawing money from a tax sheltered 403(b) plan until you are retired. It should be left to grow and you should have an emergency fund of some size elsewhere to cover contingencies. So I don't see that point being particularly meaningful... It's "meaningful" for t...
by ResearchMed
Wed Apr 18, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle former employer’s retirement plan
Replies: 23
Views: 1645

Re: How to handle former employer’s retirement plan

she said once I roll it into my current employer’s plan I can’t get that money out until I leave my current employer I'm almost sure this is not correct. You can take your money out of any 403b without penalty after 59.5 regardless of whether you're still working. This is absolutely not always true...
by ResearchMed
Wed Apr 18, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: care.com -- any reviews / experience?
Replies: 14
Views: 963

Re: care.com -- any reviews / experience?

What type of care are you looking for? We needed to get assistance for very elderly MIL to help with transition from inpatient after a fall, to rehab and then back to assisted living. We got initial help from the hospital social worker/etc., staff, and then also from the rehab facility. They all us...
by ResearchMed
Wed Apr 18, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10387

Re: Quitting job - what to do if getting walked to the door

I can't believe people let themselves be led out while leaving personal items behind. I wouldn't allow it. I don't like people touching my stuff. It's not up to the employee in these situations. Security would be called if there is any "problem", and Security might be called routinely for the "esco...
by ResearchMed
Wed Apr 18, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: care.com -- any reviews / experience?
Replies: 14
Views: 963

Re: care.com -- any reviews / experience?

Wondering if anyone has experience using care.com to find a caregiver. Based on a fairly quick internet search, many of the negative reviews seem to stem from complaints about the company's auto-renewal policy. I could see how this is a nuisance, though the company's justification is that it avoids...
by ResearchMed
Wed Apr 18, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Check my logic please (life insurance)
Replies: 19
Views: 861

Re: Check my logic please (life insurance)

I'm a federal employee (salary ~$70k) and she is an RN (salary ~$80k). I have better benefits (childcare, retirement, etc) but she has a much higher ceiling with regard to income. I already get a basic policy through my employer of $70k life insurance, and she has the same. I assume 25 year level t...
by ResearchMed
Wed Apr 18, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Check my logic please (life insurance)
Replies: 19
Views: 861

Re: Check my logic please (life insurance)

Go for 30 - to be safer. I doubt the premiums are much different. I just don't understand the reasoning for 30. For me, the premiums are actually quite a bit more to make that 5 year jump. Also, by then both of my kids should be graduated from college. Even if they aren't, I'll have racked up so mu...
by ResearchMed
Wed Apr 18, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Unable to e file extension and direct pay today
Replies: 5
Views: 294

Re: Unable to e file extension and direct pay today

I was unable to e file my extension and direct pay yesterday so I figured I would be able to today with the date extension. Now when I try, it gets rejected because the irs free file options don’t allow the day to be past April 17th. Is anyone else in this same situation/should I scramble to get it...
by ResearchMed
Wed Apr 18, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3028

Re: Broke up with my girlfriend for financial reasons: crazy?

There are a lot of ways to handle this, including what happened in your case. However, there might be intermediate steps to take, preferably before things start blowing up. As a female, I hated if a man always insisted on paying. But early in my career (and I was unexpectedly a single mother of two ...
by ResearchMed
Tue Apr 17, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: AMEX Membership Rewards
Replies: 6
Views: 902

Re: AMEX Membership Rewards

Wondering if anyone's done the work to figure out how much you need to be spending to make a Membership Rewards worthwhile. I only have my corporate green card and am thinking that it may not be worth the hassle? I think I calculated about $10,000 in spend to make the membership fee break even? And...
by ResearchMed
Tue Apr 17, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 122
Views: 6558

Re: BH travel tips?

One way we have reduced travel stress is to rigorously avoid tight connections. I agree and attempt to do this every time but it doesn't always work out. We purchase tickets months in advance online and by the time the day of our departure has rolled around, our well thought out schedule has been a...
by ResearchMed
Mon Apr 16, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple HELOCs?
Replies: 7
Views: 678

Re: Multiple HELOCs?

So what did you end up doing? I am considering doing a HELOC churn. That is: assuming I can find a lender who will grant us a HELOC in the 3rd position w/ the promise of it becoming the 2nd position after we use it to pay down the first one...we'd be coming out way ahead, even paying the early term...
by ResearchMed
Mon Apr 16, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Post-Divorce Investment Strategy
Replies: 32
Views: 2642

Re: Post-Divorce Investment Strategy

Hello all. My divorce is final this month and I will end up with about 250,000 in capital gain from my primary residence sale, all mine. I will owe about 2000.00\month to the ex probably forever. Given all that, should I take the majority of the gain and buy another home, then pay her out of my ear...
by ResearchMed
Mon Apr 16, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 122
Views: 6558

Re: BH travel tips?

So you save 10 minutes at the airport by not having to wait for a checked bag but then have to go shopping for basic necessities? Similar to the "Don't want to spend time doing laundry" thing I mentioned above - seems like a trade-off (and one that might favor a checked bag to many people). I don't...
by ResearchMed
Mon Apr 16, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Rentals and Security Deposits
Replies: 21
Views: 1123

Re: Rentals and Security Deposits

I disagree. It all may depend on applicable federal, state and local laws and regulations. It is certainly permissible under the fair housing act and HUD regulations. So there goes the federal part. I would like to see a law or regulation that says a landlord can't limit the number of non-cohabitin...
by ResearchMed
Sat Apr 14, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire at the end of 2018 at age 59?
Replies: 31
Views: 5422

Re: Can I retire at the end of 2018 at age 59?

<snip> Social Security His: $25,000, starting at age 62, summer 2021. I want to front-load my SS to enable more travel while we are young(er). The models didn't care all that much when I started SS. Hers: $14,000, starting at age 70, summer 2030. <snip> Questions: 1. Is this a reasonable retirement...
by ResearchMed
Sat Apr 14, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 122
Views: 6558

Re: BH travel tips?

I carry extra travel wallets and go out only with what I'm ok with being stolen - small cash, credit card with small credit limit. I have experience getting mugged during decades of lots of global travel. Depending on location, I take pics of rental vehicles. Haven't had issues with major companies...
by ResearchMed
Sat Apr 14, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Are you or have you filed an extension for taxes?
Replies: 8
Views: 365

Re: Are you or have you filed an extension for taxes?

I'm looking to file an extension for my tax return. Found some losses from years before that trying to sort out, I'm not sure I'll be able to do it by the weekend. I assume I'll just file the extension. Have you filed before or this year? Has it been a problem for you? Did you wind up getting audit...
by ResearchMed
Sat Apr 14, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: USBank, unbeknownst to me, blocked my account [How did you fix a frozen bank account?]
Replies: 2
Views: 484

Re: USBank, unbeknownst to me, blocked my account [How did you fix a frozen bank account?]

Indeed! After several hours on the phone with the fraud division at USB and a visit to a local branch of USB they have now unblocked the account. It was their fault that account was frozen. So now I have to pick up the pieces, which means work for me (lots of paper work and forms to reconnect ACH's...
by ResearchMed
Fri Apr 13, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Buy Back into Retirement Fund. Math experts.
Replies: 5
Views: 621

Re: Worthwhile to Pay Back into Retirement Fund

I would break it up into two parts. Set aside the pension you'll already get. Consider this $90k to buy a $575/mo joint annuity with 3% increase. 1. How much do you want an annuity? Is it something you were considering as part of your retirement plan? 2. Is this a good price for an annuity? Punchin...
by ResearchMed
Fri Apr 13, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Alaska - 8 nights in May
Replies: 10
Views: 841

Re: Alaska - 8 nights in May

Hi - My partner and I are headed to Alaska next month. We're flying into Anchorage and departing 8 days later. We are renting a car and our rough itinerary is below. I'd love to hear any must-do's from those that have done a similar trip. - 1 night in Talkeetna - 2 nights in McKinley - we'll be vis...
by ResearchMed
Fri Apr 13, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 3475

Re: Unaffordable prescription drug

What are the "downsides" of not taking the med? (NOT asking for personal/medical situation - please continue reading...) First, have your physician contact the insurer and explain the need, and why this is the only med/formulation/etc., that works, and try to get special approval. This *can* work, a...
by ResearchMed
Fri Apr 13, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Some solace [rebalancing resulted in large capital gains tax]
Replies: 4
Views: 294

Re: Some solace [rebalancing resulted in large capital gains tax]

Thank you for your feedback dbr. Very helpful. Fortunately, even though it stings, we're able to pretty easily absorb this. At this point, I'm working to mentally put it in my rear view mirror and will march forward with the steady and consistent approach that's allowed us to build a nice portfolio...
by ResearchMed
Thu Apr 12, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Community
Replies: 11
Views: 881

Re: Assisted Living Community

I looked into an assisted living community today called The Crossings at Martinsburg, WV. I was crunching numbers and at this point I don't believe it's an option. Monthly rent in todays dollars is $4,800.00 a month which will most certainly rise each year. I'm not worried about the first couple of...
by ResearchMed
Wed Apr 11, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Prescription drug costs
Replies: 22
Views: 1203

Re: Prescription drug costs

An acquaintence of mine is in the business of doing statistical analysis for, among others, drug companies. He does not have medical credentials, but certainly knows how to read and understand the (alleged) effectiveness of various drugs. Of course, the newer drugs and those pushed by drug companie...
by ResearchMed
Wed Apr 11, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Separate accounts for same IRA ?
Replies: 12
Views: 489

Re: Separate accounts for same IRA ?

As far as the IRS is concerned, each individual has one (or none) traditional Individual Retirement Account, and one (or none) Roth Individual Retirement Account. You can place pieces and parts of YOUR account with whichever custodian(s) and in whatever proportion you choose. I think the IRS recogn...
by ResearchMed
Tue Apr 10, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Prescription drug costs
Replies: 22
Views: 1203

Re: Prescription drug costs

We already get far too much of our neighbors' mail, and we also get some of their packages (from all of the delivery services, FedEx, UPS, USPS). We don't have a clue why this is such a problem in our area. In some cases, the "incorrect item" isn't even for someone nearby. So... the *last* thing we ...
by ResearchMed
Tue Apr 10, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: What to do about Wife's Term Life Insurance Policy Nearing End?
Replies: 21
Views: 1587

Re: What to do about Wife's Term Life Insurance Policy Nearing End?

So the question is, if you have no debt and we are retired and have sufficient assets to live on, do we really need life insurance anymore? Sorry to ramble so much about that, just wanted to throw it out there--what are your all's thoughts on term life insurance for retirees who really don't "need"...
by ResearchMed
Mon Apr 09, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any simple strategies that can help us squeeze better returns?
Replies: 45
Views: 2959

Re: Are there any simple strategies that can help us squeeze better returns?

The simplest strategy to squeeze an extra 1/2% is to start with a lower than normal return rate. Then one is able to correct mistakes and improve expected return. If instead one is already optimized there is no simple strategy at all. Nor there is a more complicated one. The only way to increase ex...
by ResearchMed
Mon Apr 09, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: And yet another example why Vanguard is a 4th tier firm in regard to customer service…
Replies: 20
Views: 1785

Re: And yet another example why Vanguard if a 4th tier firm in regard to customer service…

Not to defend Vanguard and the indefensible here, but if you think this is bad, take a look at T Rowe Price, which limits passwords to ten characters altogether. Unfortunately, I'm stuck with them for our kids' college savings plan. Also NOT defending Vanguard (we've had some really horrid customer...
by ResearchMed
Mon Apr 09, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Volvo XC 60 T8 eAWD
Replies: 4
Views: 465

Re: Volvo XC 60 T8 eAWD

I stumbled upon a plug in hybrid SUV that has me excited. It's a Volvo XC 60 T8 eAWD . It's as fast a Porsche and more fuel efficient than a Prius (0-60 in 4.9 seconds, combined 59 MPG city/hwy). It seats 5, is tastefully appointed and . Are there any drivers of this vehicle that will give their re...
by ResearchMed
Sun Apr 08, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 3627

Re: Active Adult Retirement Communities

HomerJ, thanks for your reply. We're just getting started looking at Active Retirement Communities and have visited The Villages in Florida. We were impressed how nicely landscaped and organized The Villages were. Seemed really nice. We think the gulf side of Florida might suit us better than the A...
by ResearchMed
Sat Apr 07, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2543
Views: 476645

Re: What's Your Credit Card Rewards Strategy?

We aren't familiar with Hawaiian Airlines program or their MasterCard (yet!), but can you keep the points/account active by using the charge card? That works for both of the major programs we use, so the points can just sit there (or increase, due to the ongoing spending). (Someone who helps us wit...
by ResearchMed
Sat Apr 07, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2543
Views: 476645

Re: What's Your Credit Card Rewards Strategy?

Credit card rewards are a game and fun for some. When I add credit card rewards to other forms of reward optimization, such as rewards checking accounts, brokerage transfer rewards, frequent flyer miles/promos, priority pass utilization, timeshare promos, rental car promos and savings, solar rebate...
by ResearchMed
Sat Apr 07, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 3627

Re: Active Adult Retirement Communities

For places like these "active" communities, what is the "Plan B" for when someone needs assistance? Are there "linked" assisted living facilities or CCRC's or does one need to start anew? There are facilities near us (not quite full CCRC's, but with the full spectrum of care), but the "independent l...
by ResearchMed
Thu Apr 05, 2018 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8301

Re: Liability for 32 year old step son living home

Why on earth are you putting up with a grown man invading you and your wife's space and consuming what you work for while he contributes nothing? Why don't you want him to move out? "Give a man a fish and you feed him for a day. Don't teach a man to fish and you feed yourself. He's a grown man... f...