Search found 8815 matches

by ResearchMed
Sat Jul 20, 2019 5:02 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 61
Views: 3871

Re: Ferri? Or Vanguard PAS?

You do realize my comment was meant to be humor, don't you? Mine was also humor, but... with an edge. There *are* too many of these stereotypes. And one way to notice it is to think whether stating that same thing as "...I feel like they want to put me into an "old man" portfolio..." has the same c...
by ResearchMed
Sat Jul 20, 2019 4:34 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 61
Views: 3871

Re: Ferri? Or Vanguard PAS?

retiredjg wrote:
Sat Jul 20, 2019 4:28 pm
nedsaid wrote:
Sat Jul 20, 2019 4:16 pm
In other words, I feel like they want to put me into an "old lady" portfolio, I still want aggressive investments, just in smaller proportions as I get older.
I think I'm offended. :P
That makes two of us.
:annoyed

RM
by ResearchMed
Sat Jul 20, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: How to get rid of a piano?
Replies: 26
Views: 1554

Re: How to get rid of a piano?

If you can find someone to take it away for free, count yourself lucky. Here's an older article about the (non-existent) demand for used pianos: https://www.nytimes.com/2012/07/30/arts/music/for-more-pianos-last-note-is-thud-in-the-dump.html Here is another article, current, from the Washington Pos...
by ResearchMed
Sat Jul 20, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: The skyrocketing cost of long term care and how to pay for it
Replies: 24
Views: 1663

Re: The skyrocketing cost of long term care and how to pay for it

We've had to manage this for a family member and it boils down to this: Find a facility who will take private pay for a set period of time, then guaranty that they will continue care, taking in continued streams of income (pension, social security, annuity payment). For said relative, we found such...
by ResearchMed
Sat Jul 20, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: The skyrocketing cost of long term care and how to pay for it
Replies: 24
Views: 1663

Re: The skyrocketing cost of long term care and how to pay for it

We've had to manage this for a family member and it boils down to this: Find a facility who will take private pay for a set period of time, then guaranty that they will continue care, taking in continued streams of income (pension, social security, annuity payment). For said relative, we found such...
by ResearchMed
Sat Jul 20, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: For the ladies - menstrual products
Replies: 20
Views: 2121

Re: For the ladies - menstrual products

As a male - no daughters - no "first hand" knowledge or experience. This is an "international" aspect of this issue - that adversely affects girls in third world countries. Such girls often stay out of school because of this. I know several folks who are active locally in groups doing a lot of work...
by ResearchMed
Fri Jul 19, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: How much data do you have? [data backup issues]
Replies: 11
Views: 546

Re: How much data do you have?d [data backup issues]

I've been forced to switch from portable laptop drives to external desktop drives recently for my backup needs because I now have about 7 terabytes worth of information I need to keep backing up. I'm curious what is the size of your total archive/stuff that needs backing up? I know a lot of people ...
by ResearchMed
Fri Jul 19, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Greece...needed vaccinations?
Replies: 11
Views: 831

Re: Greece...needed vaccinations?

My wife and I are flying to Athens in September, getting on a small (300 passengers) cruise boat and visiting a few islands. Is anyone familiar with the need for any special vaccinations for such a trip? Also, because we will primarily be in the Aegean Sea, should sea sickness be a concern? Any oth...
by ResearchMed
Fri Jul 19, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Trans-Atlantic Flight Delayed 12 Hours
Replies: 67
Views: 4226

Re: Trans-Atlantic Flight Delayed 12 Hours

I think the moral of this story isn't to buy travel insurance. The moral of the story is to not use dodgy airlines like Condor when you have to be somewhere at a date certain. Travel insurance can get you your money back, but it's not going to get you on a cruise ship before it departs. If it had b...
by ResearchMed
Fri Jul 19, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: Trans-Atlantic Flight Delayed 12 Hours
Replies: 67
Views: 4226

Re: Trans-Atlantic Flight Delayed 12 Hours

And now that we're on Medicare, we definitely need medical insurance for times out of the US. Many of the Medicare medigap policies include 50k lifetime coverage outside the US. For those with the $50k lifetime cap, IF you get travel insurance consider making sure it is the type with PRIMARY medica...
by ResearchMed
Fri Jul 19, 2019 5:41 am
Forum: Personal Consumer Issues
Topic: Trans-Atlantic Flight Delayed 12 Hours
Replies: 67
Views: 4226

Re: Trans-Atlantic Flight Delayed 12 Hours

Situations like this are why travel insurance is recommended. Did you buy any that covers delayed/missed flights? +1 This is a no-brainer. I was on a high end land tour - Classic Italy - last year with Tauck. There was a wonderful welcoming dinner the very first night at a beautiful hotel in Sorren...
by ResearchMed
Fri Jul 19, 2019 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?
Replies: 89
Views: 4373

Re: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?

I still think the right approach is the simple one: you got X dollars. Try and manage those X dollars as best you can to handle any and all spending needs, including LTC, without trying to "bucket" money for different purposes. It's a big help if your SS covers a decent percentage of your needs. Co...
by ResearchMed
Wed Jul 17, 2019 4:09 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 61
Views: 3871

Re: Ferri? Or Vanguard PAS?

Where did this Rick Ferri guy come from? I have been on the site for around two years and never seen any advisors plugged. but over the last two or three days I've seen this guy's name thrown around a dozen times. Perhaps it's the cynic in me but I wonder why. If you look at a post of his, you'll s...
by ResearchMed
Wed Jul 17, 2019 4:01 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 61
Views: 3871

Re: Ferri? Or Vanguard PAS?

Where did this Rick Ferri guy come from? I have been on the site for around two years and never seen any advisors plugged. but over the last two or three days I've seen this guy's name thrown around a dozen times. Perhaps it's the cynic in me but I wonder why. If you look at a post of his, you'll s...
by ResearchMed
Wed Jul 17, 2019 3:03 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 61
Views: 3871

Re: Ferri? Or Vanguard PAS?

I¡ve had a Vanguard account over 10 years (Roth: about 50/50 VFIAX and Target Retirement). I've grown to feel very comfortable with Vanguard philosophy, operating principles. The balance of my traditional retirement funds ($240,000) are actively 'managed' accounts from back from when I knew a lot l...
by ResearchMed
Wed Jul 17, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6834

Re: Tenant turned off all utilities advice please!!

I would simply refer the former tenant to the lease, mention clearly stated areas where deductions could be made from the security deposit, possibly imply others and ask her if she agreed that it was in the best interest of everyone to settle through discussion rather than incur additional cost and...
by ResearchMed
Wed Jul 17, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?
Replies: 89
Views: 4373

Re: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?

1) SPIA (or ladder a few), for ongoing income that could also be used in the future to pay toward LTC indefinitely. This alone could be a very good move. TMK, SPIA payouts do not impact Medicaid eligibility in most states after five years from when the SPIA is bought. Those payouts plus Medicaid co...
by ResearchMed
Wed Jul 17, 2019 10:19 am
Forum: Personal Investments
Topic: Vanguard government money market funds not available to organization accounts at Etrade
Replies: 8
Views: 236

Re: Vanguard government money market funds not available to organization accounts at Etrade

Well I heard back from Etrade and they now tell me the Vanguard gov MM funds are available but the trade will have to be entered manually through our account rep. No anticipation of the online access being corrected. Frustrating but better than nothing. Good luck with your 403b. That sounds like a ...
by ResearchMed
Wed Jul 17, 2019 10:05 am
Forum: Personal Investments
Topic: Vanguard government money market funds not available to organization accounts at Etrade
Replies: 8
Views: 236

Re: Vanguard government money market funds not available to organization accounts at Etrade

For organization accounts at Vanguard, the settlement fund is Federal Money Market. So it seems to me either Etrade mistakenly restricting the access, or Vanguard restricting the access outside of Vanguard accounts. At least for the 403b plan(s), this is all relatively new, and I'm assuming there i...
by ResearchMed
Wed Jul 17, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?
Replies: 89
Views: 4373

Re: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?

. We got X dollars. Those X dollars need to support a number of spending needs, some of which may not be foreseen. Not saying "set the dollars aside" but rather estimate a % of your portfolio for LTC (3,5,10yrs. whatever you're comforable with) to be there if you need it. It can still grow in the m...
by ResearchMed
Wed Jul 17, 2019 9:01 am
Forum: Personal Investments
Topic: Vanguard government money market funds not available to organization accounts at Etrade
Replies: 8
Views: 236

Re: Vanguard government money market funds not available to organization accounts at Etrade

We have an organization (corporation) account at Etrade. Not for aggressive investing, just a place to earn a little income through the year on cash reserves, as local banks pay about nothing. Vanguard Federal Money Market (VMFXX) and Vanguard Treasury Money Market (VUSXX) are available at Etrade a...
by ResearchMed
Wed Jul 17, 2019 5:53 am
Forum: Investing - Theory, News & General
Topic: [Merrill Lynch charges high fees]
Replies: 43
Views: 4071

Re: [Merrill Lynch charges high fees]

Given his "advance age" (yes, DH is the same, but that IS "elderly" and *can* have diminished faculties), I'd speak with a branch manager or some more senior person, and gently mumble your concern about "ongoing elder financial fraud/abuse". I think most of those places are becoming *very* sensitive...
by ResearchMed
Wed Jul 17, 2019 5:41 am
Forum: Personal Consumer Issues
Topic: Letter from Amex - scam?
Replies: 25
Views: 2291

Re: Letter from Amex - scam?

I got a letter from Amex saying that I have an unclaimed check from 2015. The amount is in the 100s. They said that if I don't return the enclosed form by a certain date, the money would be treated as abandoned and handed over to the state. Does this sound like a scam? This sounds VERY much like a ...
by ResearchMed
Tue Jul 16, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: Letter from Amex - scam?
Replies: 25
Views: 2291

Re: Letter from Amex - scam?

I got a letter from Amex saying that I have an unclaimed check from 2015. The amount is in the 100s. They said that if I don't return the enclosed form by a certain date, the money would be treated as abandoned and handed over to the state. Does this sound like a scam? This sounds VERY much like a ...
by ResearchMed
Tue Jul 16, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Letter from Amex - scam?
Replies: 25
Views: 2291

Re: Letter from Amex - scam?

I got a letter from Amex saying that I have an unclaimed check from 2015. The amount is in the 100s. They said that if I don't return the enclosed form by a certain date, the money would be treated as abandoned and handed over to the state. Does this sound like a scam? This sounds VERY much like a ...
by ResearchMed
Tue Jul 16, 2019 6:58 pm
Forum: Investing - Theory, News & General
Topic: Primecap Admiral Fund VPMAX
Replies: 27
Views: 5728

Re: Primecap Admiral Fund VPMAX

My brother has held PRIMECAP for over 20 years and he's happy with it. Unfortunately he holds it in taxable. I've suggested several times to take the distributions to contribute to IRA and re-purchase PRIMECAP there but he's reluctant. Maybe he just doesn't want to call Vanguard to work around the ...
by ResearchMed
Tue Jul 16, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 4717

Re: Do you care about your home appreciating?

Yup! We don't think the surprisingly high appreciation shown on Zillow is in any way realistic. But watching what other homes are selling for, vs. earlier prices, we figure there will be *some* noticeable "gain", mostly tax free. That will, one way or another, help fund the approaching retirement. RM
by ResearchMed
Tue Jul 16, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 4717

Re: Do you care about your home appreciating?

Yup! We don't think the surprisingly high appreciation shown on Zillow is in any way realistic. But watching what other homes are selling for, vs. earlier prices, we figure there will be *some* noticeable "gain", mostly tax free. That will, one way or another, help fund the approaching retirement. RM
by ResearchMed
Tue Jul 16, 2019 1:43 pm
Forum: Forum Issues and Administration
Topic: Suggestion: Approx. or ca. rather than tilde ~
Replies: 12
Views: 624

Re: Suggestion: Approx. or ca. rather than tilde ~

Quit trying to read anything substantive on your phone. It's good for texting, etc., but not reading websites that are anything other than fluff. Kudos to you for even trying though. You’re probably right, but my iPad is clunky and my PC is in a room I’m seldom in. ^ Typed on my iPhone :D :oops: Ap...
by ResearchMed
Tue Jul 16, 2019 1:32 pm
Forum: Forum Issues and Administration
Topic: Suggestion: Approx. or ca. rather than tilde ~
Replies: 12
Views: 624

Re: Suggestion: Approx. or ca. rather than tilde ~

Quit trying to read anything substantive on your phone. It's good for texting, etc., but not reading websites that are anything other than fluff. Kudos to you for even trying though. You’re probably right, but my iPad is clunky and my PC is in a room I’m seldom in. ^ Typed on my iPhone :D :oops: Ap...
by ResearchMed
Tue Jul 16, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: For the ladies - menstrual products
Replies: 20
Views: 2121

Re: For the ladies - menstrual products

I switched to the old fashion clothes pads years ago and they minimize overnight leaks better than any disposal pads out there. What do you mean by old fashioned clothes pads? I didn't know there was anything available other than disposable pads. Before there were 'fancy' disposables, women used cl...
by ResearchMed
Tue Jul 16, 2019 9:47 am
Forum: Personal Investments
Topic: Company Stock at discount - immediate sell
Replies: 16
Views: 873

Re: Company Stock at discount - immediate sell

thanks for the feedback. This is a fairly small amount (less than $3k a year i believe) in stock purchases. Wondering if he would be better off putting that money into 401K instead-- I don't know if he is taking full advantage of the company match -- which would be a better benefit than the "gain=t...
by ResearchMed
Tue Jul 16, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: For the ladies - menstrual products
Replies: 20
Views: 2121

Re: For the ladies - menstrual products

There is a similar thread on FlyerTalk.com, in the Women Travelers section: https://www.flyertalk.com/forum/women-travelers/1206332-time-month.html No one had posted there for years, but someone just did this year, bumping it up. My guess is that you'd get some good and/or interesting responses ther...
by ResearchMed
Tue Jul 16, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: dumb question about mutual fund returns
Replies: 8
Views: 784

Re: dumb question about mutual fund returns

Thanks, that's what I thought, but for some reason I just began to wonder, as this way the company is making a wild guess about the tax rates. My mutual funds are in my Roths anyway. On at least one website I look at that shows this information, there is a footnote explaining that the tax rate used...
by ResearchMed
Tue Jul 16, 2019 8:51 am
Forum: Personal Investments
Topic: Company Stock at discount - immediate sell
Replies: 16
Views: 873

Re: Company Stock at discount - immediate sell

I wanted to confirm my thinking. I have never done this and have no experience I have a young friend that is buying his company's stock at a discount and then turning around and selling the stock within a few days/weeks. He pays taxes on the ST "gain" as ordinary income, there is no real win for hi...
by ResearchMed
Tue Jul 16, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6834

Re: Tenant turned off all utilities advice please!!

The woman behaved horribly. However, I have always contacted the utilities and ended service every time I have moved from a rental. Sometimes, the landlord had an agreement on record with the utility company to assume responsibility for the billing and the service would remain on. Other times, the ...
by ResearchMed
Mon Jul 15, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Can the dealer be trusted?
Replies: 17
Views: 1893

Re: Can the dealer be trusted?

I am not sure why the constant dealership disrespect on this board. I've been in the automotive repair business for almost 40 years and worked at, or with, several types of repair facilities. By far, the best trained, the highest credentialed, and most ethical have been dealership technicians. The ...
by ResearchMed
Mon Jul 15, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Separate Personal and Rental Property Umbrella Insurance
Replies: 3
Views: 281

Re: Separate Personal and Rental Property Umbrella Insurance

I complained here about my umbrella policy insurance going up $1000 after my 16 year old got his license and having 10 rentals. I was in my Statefarm office today going through some coverage on a rental house and they suggested I separate out my personal and rental property umbrella coverage....whi...
by ResearchMed
Mon Jul 15, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: from Seattle (WA) to Inverness (Scotland) and back
Replies: 23
Views: 1367

Re: from Seattle (WA) to Inverness (Scotland) and back

For those who travel often overseas. I'm hoping for some input on one's experience on getting to Inverness, Scotland. Hoping for a memorable experience enroute as this will probably be my only trip abroad. I have a bit of luxury, but not too extravagant. And would prefer not driving to East Coast t...
by ResearchMed
Mon Jul 15, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 6924

Re: I think i can spend 30k on this vacation, but wife not sure

The actionable part of this for the forum is to get some perspective on wealth vs needs and wants even if it doesn't apply to the OP. People's personal decisions are up to them, of course. The actionable part now is, if the OP has a history of one single thread, where OP then deletes all of OP's ow...
by ResearchMed
Mon Jul 15, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6834

Re: Tenant turned off all utilities advice please!!

Maybe experience and successful landlords could comment - but I wonder if there are way(s) the landlord can detect such problems during the lease? One way I've heard landlords do this is change the HVAC filters twice a year. That allows access ...with notice of course. Now what you do about a filth...
by ResearchMed
Mon Jul 15, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6834

Re: Tenant turned off all utilities advice please!!

Maybe experience and successful landlords could comment - but I wonder if there are way(s) the landlord can detect such problems during the lease? Well, in this case, yes: Demanding multiple cleanings after moving in, for example! :annoyed But one would prefer to "detect" this type of tenant before...
by ResearchMed
Mon Jul 15, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6834

Re: Tenant turned off all utilities advice please!!

It's situations like this that make me glad that I'm not a landlord. Yeah, it's basically a job, not the same as buying funds or true passive investments. My previous boss owned some cheap buy high yielding rental building in California. He was asking if anyone wants to go accompany him to collect ...
by ResearchMed
Mon Jul 15, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6834

Re: Tenant turned off all utilities advice please!!

The rule of the state in which the property resides tenant law will determine this, see them online. +1 for photos and detailed receipts for any work performed This is key - the local jurisdiction landlord/tenant regs/laws. And YES for PHOTOS (detailed) plus receipts for the cleaning or any other w...
by ResearchMed
Mon Jul 15, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 85
Views: 3781

Re: SECURE act and Roth IRAs

"This last feature is especially important. By facilitating the inclusion of annuities as an investment option, the SECURE Act would make it more likely that workplace savers engage lifetime income solutions." https://www.investmentnews.com/article/20190712/BLOG09/190719965/the-secure-act-completin...
by ResearchMed
Sun Jul 14, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Relocated, No Bank Branch, and Need Earnest Money Check
Replies: 13
Views: 595

Re: Relocated, No Bank Branch, and Need Earnest Money Check

Also, it seems to send a wire I would need to go to a bank branch. Why can't you call your bank for the wire? I could try in the morning. This seems to be my only option. They probably can't wire a large sum with only your phone call, but you should be able to set it up by phone, and then email or ...
by ResearchMed
Sun Jul 14, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: Can the dealer be trusted?
Replies: 17
Views: 1893

Re: Can the dealer be trusted?

NO! Absolutely not! YOUR mechanic who YOU pay, who is NOT connected to the selling dealer is the one to perform the inspection. Otherwise, when things go wrong, you can only blame yourself for not doing reasonable things to be sure the car is good. This! The dealer just wants to make a sale. It is ...
by ResearchMed
Sun Jul 14, 2019 7:04 pm
Forum: Personal Investments
Topic: Vanguard: "download holdings" shows only lumped totals for brokerage accounts?
Replies: 7
Views: 412

Re: Vanguard: "download holdings" shows only lumped totals for brokerage accounts?

BTW, the TDAmeritrade 401(k) that my spouse has does not use the same login nor the same web site nor the same interfaces that the TDAmeritrade brokerage accounts use including my HSA, my solo 401(k), my Roth IRA, and our joint taxable account. The 401(k) side of the company has a different call ce...
by ResearchMed
Sun Jul 14, 2019 6:33 pm
Forum: Personal Investments
Topic: Vanguard: "download holdings" shows only lumped totals for brokerage accounts?
Replies: 7
Views: 412

Re: Vanguard: "download holdings" shows only lumped totals for brokerage accounts?

I haven't read the other posts about TDAmeritrade, but my spouse's company switched to TDAmeritrade as the custodian for their 401(k) a while ago and changed the fund line-up to have Vanguard, DFA, and the old funds, too. So in the absence of other news, I would just assume that TDAmeritrade took t...
by ResearchMed
Sun Jul 14, 2019 5:58 pm
Forum: Personal Investments
Topic: Vanguard: "download holdings" shows only lumped totals for brokerage accounts?
Replies: 7
Views: 412

Re: Vanguard: "download holdings" shows only lumped totals for brokerage accounts?

Is this by any chance a 403b type account? No, it's a personal Roth IRA that's never been connected to an employer or institution. ...Vanguard has been transferring ALL of the Brokerage holdings to TDAmeritrade, where all of the details are listed, and where all Brokerage transactions will take pla...