Search found 5616 matches

by ResearchMed
Sat Jan 20, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 106
Views: 4751

"PRIORITIES" - Re: Fear of dying with too much money?

This seems like an appropriate place for a reminder about a thread that was important to many: "Priorities", started by protagonist. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=170562& His first sentence is: " I'm 63. Last week I had a heart attack on the way to the airport to play music ab...
by ResearchMed
Sat Jan 20, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 106
Views: 4751

Re: Fear of dying with too much money?

I personally don't understand legacy. I think more like George Carlin. What relevance is legacy to a dead person? I think it matters to me because I probably won't ever have kids, so at least I want someone to remember me. Always thought having a building or something named after me would be cool. ...
by ResearchMed
Sat Jan 20, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 27
Views: 1111

Re: Rent (free at library) or buy books?

In the past I used to read books in hardcopy or electronically from the library. Price was right, and I only read the books one time. Recently I find I am buying the books, usually used through Amazon, as I like to mark them up and read and reread some of them and have my markups/notes available fo...
by ResearchMed
Sat Jan 20, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 38
Views: 1243

Re: Laughter is the Best Medicine - What makes you Laugh?

Ray and Tom Magliozzi from Car Talk. Their laughter is infectious! Yeah. They always came on the air right before Wait Wait. So sad when Tom died and they shut down production. One of my favorite callers had a complaint where his vehicle started up with no problem, initially had a lot of power, but...
by ResearchMed
Sat Jan 20, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 38
Views: 1243

Re: Laughter is the Best Medicine - What makes you Laugh?

Ray and Tom Magliozzi from Car Talk. Their laughter is infectious! Yeah. They always came on the air right before Wait Wait. So sad when Tom died and they shut down production. One of my favorite callers had a complaint where his vehicle started up with no problem, initially had a lot of power, but...
by ResearchMed
Sat Jan 20, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 21
Views: 1984

Re: Pros and Cons of High Rise Condos for retired couple

We had dinner with the in-laws last night. They said they are planning on moving, and wanted to seek our opinion. I don't know their finances in details, but the broad strokes are that they are retired in their late 50s, high 5 figure (I think around 80k) annual COLA pension, healthcare provided by...
by ResearchMed
Sat Jan 20, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 85
Views: 4170

Re: How to Minimize Your Emergency Care Expenses

2. Be informed about what is an "emergency" and what is not. For example, be aware of situations you might encounter. 3. Do NOT hesitate to use an ER when life threatened, such as severe heart attack, severe loss of blood, ruptured aorta, etc. This is really hard to know in practice. Heart attacks ...
by ResearchMed
Sat Jan 20, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 85
Views: 4170

Re: How to Minimize Your Emergency Care Expenses

How did it get this way? What was it like 30 years ago? 30 years ago (also more recently), if you did not have employer-provided health insurance and had any notable pre-existing condition... there was NO health insurance for you. (Or perhaps there was some medically underwritten policy that would ...
by ResearchMed
Sat Jan 20, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 85
Views: 4170

Re: How to Minimize Your Emergency Care Expenses

How did it get this way? What was it like 30 years ago? 30 years ago (also more recently), if you did not have employer-provided health insurance and had any notable pre-existing condition... there was NO health insurance for you. (Or perhaps there was some medically underwritten policy that would ...
by ResearchMed
Fri Jan 19, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 3965

Re: What can I do to fight this ridiculous medical bill?

alpenglow wrote:
Fri Jan 19, 2018 9:58 am
Aside from the situation, I'd crop that image to remove your real name and presumed account number.
This ^^^ :!:

RM
by ResearchMed
Thu Jan 18, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Bullied Me
Replies: 32
Views: 4700

Re: Vanguard Advisor Bullied Me

Not to deviate the topic, but as a minor how do you even have a say in the money? Doesn't a trustee have to handle the money for you? Just trying to educate myself on this aspect so some clarity would be appreciated. Thanks in advance. Good luck. To OP - Because you are a minor, there are probably ...
by ResearchMed
Wed Jan 17, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: What to adjust now if not leaving a legacy?
Replies: 10
Views: 762

Re: What to adjust now if not leaving a legacy?

To clarify, the idea isn’t to see if we can spend 5 or 6% of our money when first retired (planning on being in the 3-3.5% range.) It’s more that I haven’t been able to find any threads where it’s been discussed. If someone has a link to an old one, please share. The SPIA point is solid. Reverse mo...
by ResearchMed
Mon Jan 15, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee vs POA
Replies: 27
Views: 1454

Re: Trustee vs POA

Can anybody think of a reason why DW and I would want a trust instead of POA when all of our accounts are jointly owned anyway? I'm talking about when I'm incapacitated - not the benefits of a trust for inheritance purposes. Someone here (BH) seemed to suggest previously that Trust Docs would be ea...
by ResearchMed
Mon Jan 15, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 2914

Re: Any high-end skincare products worth it?

I'm not sure I know anyone who has truly benefited from high priced cosmetics, look wise. You know what? For nearly 40 years (I'm 61) I have smeared a thin layer of vaseline over my face before going to bed. I don't have any wrinkles at all. I've heard that others who do this love it as well. But i...
by ResearchMed
Sun Jan 14, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 2757

Re: Antarctica [anyone traveled there?]

technovelist wrote:
Sun Jan 14, 2018 10:02 pm
BrewOx wrote:
Thu Jan 11, 2018 7:45 am
Has anyone been there? Your thoughts on it. We are going with Tauck on Ponant Le Boreal.
My wife and I have been there. It was unbelievably beautiful.

Here are some of her pictures: https://www.flickr.com/photos/mothernat ... 3350556279
Which cruise line/ship?

RM
by ResearchMed
Sun Jan 14, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3630

Re: Are land line phones still being supported?

We have functioning landlines, and a two-line phone. And it was quite useful when all cell service went out a few years ago. At least AT&T went out regionally (or semi-regionally?). We still had WiFi, and were able to chat with AT&T to confirm there was indeed a problem. But if we'd needed to contac...
by ResearchMed
Sun Jan 14, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Say What? Morningstar Fund Spy
Replies: 3
Views: 682

Re: Say What? Morningstar Fund Spy

"Fund Spy The Year in Bond Funds -- 2017" 1/9/18 http://news.morningstar.com/articlenet/article.aspx?id=843114 There was only one comment on this article: "Hi, how do I sign up for Fund Spy. Can I have these articles emailed to me? Thanks so much for your help." Signed: ...@ Vanguard.com Any though...
by ResearchMed
Sun Jan 14, 2018 2:27 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 431
Views: 67055

Re: Forum software upgrade bug reports and change requests

Yes, another big "Thank you!" to those mostly behind the scenes who make this site run. It is unbelievable. And we are among those who have benefited SO much. As crazy and obnoxious as the Internet can be, there are some real gems out there, and Bogleheads is right at the top, if not THE top. Mornin...
by ResearchMed
Sun Jan 14, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: "EBATES" - For real, or scam ?
Replies: 14
Views: 1377

Re: "EBATES" - For real, or scam ?

It's real. I have made peanuts. 2.5% at Jet.com has been the best for me. 1% at Target but many categories are excluded; just this week I earned 11 cents from a $90 Target purchase. If you're serious, you can look at cashbackmonitor.com to see how much of a discount you'll get from ebates and all o...
by ResearchMed
Sun Jan 14, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: effect of authorized user on credit report?
Replies: 8
Views: 501

Re: effect of authorized user on credit report?

Hi. My kids have been an authorized users on our credit card accounts since their high school days. They're not owners or responsible but the cards appear on their credit reports as authorized users. From my credit card churning activities I know that some banks may count that against having a new ...
by ResearchMed
Sun Jan 14, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: "EBATES" - For real, or scam ?
Replies: 14
Views: 1377

"EBATES" - For real, or scam ?

Is EBATES really a "good thing", or is it a scam of some sort? Or is it just generally useless for most things? It's hard to get details without registering, but even then, experience could be different. If a company is shown, can one purchase *anything* online from that company, or does it turn out...
by ResearchMed
Sun Jan 14, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Using Tax Exempt Dividends to Fund IRA?
Replies: 5
Views: 249

Re: Using Tax Exempt Dividends to Fund IRA?

My wife and I are holding tax exempt bonds in our taxable account. Last year the tax exempt bonds generated about $13,000 worth of income from dividends. Since we can contribute $5,500 each, per year into our IRA's can't we just use $11,000 of the (roughly) $13,000 to fund the IRA's? Effectively we...
by ResearchMed
Sun Jan 14, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 2914

Re: Any high-end skincare products worth it?

I apologize, Neutrogena was a high end choice for me. I tend to forget how low end my life is some times! (laughing) My girlfriends all swear by some CC+ cream with SPF 50, but that's way out of my league. They do look terrific though! You are no doubt doing yourself a favor by staying away from th...
by ResearchMed
Sun Jan 14, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 2914

Re: Any high-end skincare products worth it?

I really like the Neutrogena products for my face. They have a couple of day versions (w/SPF) that I use as well as a couple of night cream versions. They are reasonably priced and available on Amazon. I use Palmer's lotion for the rest of my body and I really like that too. If I spend a day at hom...
by ResearchMed
Sun Jan 14, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 2757

Re: Antarctica [anyone traveled there?]

Has anyone been there? Your thoughts on it. We are going with Tauck on Ponant Le Boreal. We actually just got back a few weeks ago from our Antarctic cruise on Le Boreal with the Tauck group (we booked directly with Ponant, but about 1/3 of the ship was booked by the Tauck group). I echo everything...
by ResearchMed
Sun Jan 14, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Legal services via employment
Replies: 13
Views: 927

Re: Legal services via employment

My employer offers Hyatt legal legal plans for 6.50 per month. Is it worth the cost? The only expense I see in the near future is a prenup and I just don’t want to be penny wise pound foolish... Thank you. For us, it was worth it to elect legal services through Hyatt in a couple key years. Did will...
by ResearchMed
Sun Jan 14, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Advice On A Tour From Port Canaveral To Kennedy Space Center
Replies: 14
Views: 686

Re: Advice On A Tour From Port Canaveral To Kennedy Space Center

We will be taking a cruise shortly that will be stopping at Port Canaveral and we are trying to figure out the best way to spend the day at the Kennedy Space Center. We have a long day there and the ship's guided tour is already sold out. Would you recommend finding a private tour operator, taking ...
by ResearchMed
Sat Jan 13, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: What information should my heirs have just in case
Replies: 12
Views: 634

Re: What information should my heirs have just in case

Financial institution, account number, name account is under, and type of account (example — Vanguard, #123, Mom, IRA). Also add information on any debt and life insurance. If you maintain financial records on a spreadsheet or software like Quicken, I’d make sure they know where to find those recor...
by ResearchMed
Sat Jan 13, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: What information should my heirs have just in case
Replies: 12
Views: 634

Re: What information should my heirs have just in case

Oh, don't forget the medical proxies, advance directives, etc.

RM
by ResearchMed
Sat Jan 13, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: What information should my heirs have just in case
Replies: 12
Views: 634

Re: What information should my heirs have just in case

Assuming they have powers of attorney to manage your affairs when you cannot: They should know the institutions and account numbers so they can actually do something when needed. You may need to give each financial company the POA for your daughters on their own forms. Also, just in case something ...
by ResearchMed
Sat Jan 13, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Emergency evacuation with pre-existing condition
Replies: 13
Views: 988

Re: Emergency evacuation with pre-existing condition

okay, thanks all This is why it is so valuable to get a policy within the window after initial deposit. Then "pre-existing conditions" are NOT excluded (but ALWAYS check the specific policy you are purchasing!), as long as you are "fit to travel" on the day you purchase the policy. At our ages, we ...
by ResearchMed
Sat Jan 13, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Pre-approval
Replies: 6
Views: 250

Re: Real Estate Pre-approval

I do not want to purchase the house, my only intention was to prove to the seller my son has access to the funds to purchase a home. I was thinking this is similar to a pre-approval letter. Right now a pre-approval letter is good for 4 months which should be long enough but if not he would need ano...
by ResearchMed
Sat Jan 13, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Emergency evacuation with pre-existing condition
Replies: 13
Views: 988

Re: Emergency evacuation with pre-existing condition

Oh gosh, I am so stressed out over my upcoming Mt. Kilimanjaro trip in the next 10 days. Not thinking, I was at the doctor for hemorrhoid condition last week. The reason is I wanted to get a referral in case I want it removed after my month trip to Africa. So I figured I see the doctor prior to the...
by ResearchMed
Fri Jan 12, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Senior seeking info about obtaining mortgage for condo purchase
Replies: 10
Views: 709

Re: Senior seeking info about obtaining mortgage for condo purchase

We did this when we bought our retirement home 14 months ago. Not every lending institution does asset depletion mortgages so you have to look around more. I found two mortgage brokers who did these mortgages as well as our regular bank - BofA. We ended up going with BofA as they had the best rate ...
by ResearchMed
Fri Jan 12, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Trade date/Settlement date and SEC restrictions
Replies: 3
Views: 146

Re: Trade date/Settlement date and SEC restrictions

Trying to understand this more clearly but have a few questions. From what i've read you sell a security and it settles in 2-3 days. The brokerage indicates the settlement date. What is the "free riding" SEC restriction here? From what I am guaging it means that you can't buy a security and then se...
by ResearchMed
Fri Jan 12, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 474

Re: Travel insurance-2ndary versus primary

Thanks for the information. I checked out global rescue as well. Highly recommended by the American alpine club . I spoke with CSR at global rescue in length. Global rescue would provide ground transfer to the helicopter location to transport me to the nearest hospital. Also, once stabilized, I hav...
by ResearchMed
Fri Jan 12, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Divorce or Arbitration
Replies: 9
Views: 686

Re: Divorce or Arbitration

ok so maybe mediation, but perhaps each will want minimal legal representation to make sure everything is legit? suffice to say it cannot be the same lawyer? Yes, they should probably each have at least a quick look-over by each one's own, independent attorney, so that neither can later claim (genu...
by ResearchMed
Fri Jan 12, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Divorce or Arbitration
Replies: 9
Views: 686

Re: Divorce or Arbitration

For an elderly couple planning to part ways in FL, if amicable separation terms can be had, what is the easiest way to "settle"? They are both looking to avoid divorce lawyers and divorce court. Basically looking for an easy way to avoid legal fees and execute a simple divorce, such as possibly hav...
by ResearchMed
Fri Jan 12, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 474

Re: Travel insurance-2ndary versus primary

I agree with emergency evacuation which is what I am interested in. Kaiser will pay for all urgent and emergency medical fees. I need to file a claim which is the same for any travel insurance. I read the primer travel insurance from cruise critic forum. It mentioned "medjetassist" which is a stand...
by ResearchMed
Fri Jan 12, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 474

Re: Travel insurance-2ndary versus primary

I will be trekking Mt Kilimanjaro , followed by a safari with a UK tour group within 10 days. Total number of days with Tour group is 20 days. I have international travel insurance with Kaiser Permanente which will cover my urgent and emergency care. They will also provide transportation cost if it...
by ResearchMed
Thu Jan 11, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Wisdom of funding children's roth IRAs for disabled sibling
Replies: 10
Views: 527

Re: Wisdom of funding children's roth IRAs for disabled sibling

I have 3 kids (21, 18, 16), the youngest disabled. The older two have a small amount ($6k)of earned income in addition to being full time college students. I have been fully funding their roth IRAs every year for them, and plan to do so until they are mid 20s, with the plan for them to gift yearly ...
by ResearchMed
Thu Jan 11, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Mandatory IRA distributions. The IRS will take my money away!!
Replies: 29
Views: 1954

Re: Help with Mandatory IRA distributions. The IRS will take my money away!!

Am 65 and want to continue to work. I've come to the stark realization that after years of saving in tax deferred accounts the chickens will come home to roost. i.e. My mandatory (and voluntary) withdrawals will be taxed at REGULAR income tax rates.....With a portfolio of about 5 million, just the ...
by ResearchMed
Thu Jan 11, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 2757

Re: Antarctica [anyone traveled there?]

Has anyone been there? Your thoughts on it. We are going with Tauck on Ponant Le Boreal. We have it in the backs of our minds. Next month, we are off with Hurtigruten for a 12 night Norwegian coastal cruise, from Bergen up and over the northern tip of Norway. The sister ship to ours is currently in...
by ResearchMed
Wed Jan 10, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Did I need a lawyer after an accident?
Replies: 29
Views: 2605

Re: Did I need a lawyer after an accident?

It happened in early November 2017 They lawyer said it can take some time For what it is worth, I had someone run a red stoplight and nail me nearly head on almost two years ago. It took nearly 8 months before all the bills and settlement checks were finished. When dealing with lawyers and insuranc...
by ResearchMed
Wed Jan 10, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: House water detection and alert system?
Replies: 41
Views: 2492

Re: House water detection and alert system?

Hi, I live in the northeast where the risk of pipe burst is a real concern. I have seen and heard others who has their whole house flooded. Are there technologies/products out there that will alert me whenever water is detected? I know there are $10 water sensor I can get from HomeDepot, but that d...
by ResearchMed
Wed Jan 10, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: House water detection and alert system?
Replies: 41
Views: 2492

Re: House water detection and alert system?

Hi, I live in the northeast where the risk of pipe burst is a real concern. I have seen and heard others who has their whole house flooded. Are there technologies/products out there that will alert me whenever water is detected? I know there are $10 water sensor I can get from HomeDepot, but that d...
by ResearchMed
Wed Jan 10, 2018 4:39 am
Forum: Investing - Theory, News & General
Topic: How diversified are you really with cap weighted foreign markets?
Replies: 37
Views: 1993

Re: How diversified are you really with cap weighted foreign markets?

Area is proportional to cap weight. Right, but why the different shapes and vertical/horizontal placement? RM Compare it with a geographic map of the world. Ah! Thanks! I was focusing on it as a graph, trying to figure out each axis :oops: (and it could have been... with longitude/latitude, but I d...
by ResearchMed
Wed Jan 10, 2018 4:26 am
Forum: Investing - Theory, News & General
Topic: How diversified are you really with cap weighted foreign markets?
Replies: 37
Views: 1993

Re: How diversified are you really with cap weighted foreign markets?

Thesaints wrote:
Wed Jan 10, 2018 4:08 am
Area is proportional to cap weight.
Right, but why the different shapes and vertical/horizontal placement?

RM
by ResearchMed
Wed Jan 10, 2018 4:02 am
Forum: Investing - Theory, News & General
Topic: How diversified are you really with cap weighted foreign markets?
Replies: 37
Views: 1993

Re: How diversified are you really with cap weighted foreign markets?

Holding a foreign cap weighted index fund doesn't give you as much diversification as you thought. Your post and thread title should be edited to read: "How diversified are you with single-country , cap-weighted foreign markets?" Beyond the U.S. market, why would a U.S. investor limit themselves to...