Search found 8649 matches

by ResearchMed
Tue Jun 25, 2019 9:36 am
Forum: Personal Investments
Topic: Retired: Don't want to outlive my funds
Replies: 27
Views: 1401

Re: Retired: Don't want to outlive my funds

This is very long. Sorry. I'm 73. Retired. Alone, recently widowed. No heirs. No bills. No mortgage. Auto only has 28k miles on it, so won't need a new one probably ever. Social Security + Pension brings me in enough money to almost handle my current expenses. I'm short about 8k a year. The shortag...
by ResearchMed
Tue Jun 25, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Good Volvo dealership for warranty service in Orlando area? Parallel parking malfunction, etc.
Replies: 13
Views: 716

Re: Good Volvo dealership for warranty service in Orlando area? Parallel parking malfunction, etc.

Satisfied owner of Volvos since 1969 here... Our most recent car is a 2014 CPO XC60 T, purchased in 2015 at the tender age of just under 1, with ~10k miles. Yes, those seats!! :happy Our other car is a 2004 XC90, which was really the cat's meow when I got it. That gyro system... Volvo gave a freebie...
by ResearchMed
Tue Jun 25, 2019 4:58 am
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 20
Views: 2850

Re: Anyone knew the answer where the money is

OP here. It is my responsibility to let everyone know what happened with this instance and the outcome. Spoke with a representative from Vanguard today and learned 1) vanguard did requested full IRA account transfer 2) there is no way of stopping the transfer as soon as it started, because it is el...
by ResearchMed
Tue Jun 25, 2019 4:40 am
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 22
Views: 1407

Re: Facebook reading our minds?

If you have a smart-phone with the Facebook app, they very well could be listening to you and offering suggestions based on that. Per buhlaxtus's link, listening to your conversations would be quite impractical. The explanation is probably far more pedestrian. You visited a restaurant that apparent...
by ResearchMed
Mon Jun 24, 2019 2:01 pm
Forum: Personal Investments
Topic: Non traded BDC help
Replies: 6
Views: 310

Re: Non traded BDC help

I inherited a small position (10k) in a non traded BDC. As you can imagine this investment has lost half its value since it was bought and, being non liquid, has been near impossible to cash out. I learned today this company is merging with another and is essentially frozen for an indefinite period...
by ResearchMed
Mon Jun 24, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?
Replies: 41
Views: 2388

Re: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?

And yes, even though you are upset about some of this, do try to be friendly/cooperative, and treat this as a sort of "matter of fact" issue: "the window seat isn't there, and you do expect it to be completed of course". Treat this one thing as though it was an honest oversight, which it may well h...
by ResearchMed
Mon Jun 24, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?
Replies: 41
Views: 2388

Re: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?

OP: I assumed that the "window seat" wasn't the huge deal that some here seem to be describing (such as an entire bay window). Is this something like a bench (where you might put a cushion) that is set into a small bay window alcove, or perhaps is just in front of a window along a wall, or maybe is ...
by ResearchMed
Mon Jun 24, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?
Replies: 41
Views: 2388

Re: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?

Yes, if it is in the plans, you should get it. And by the way, with new construction, when there are other similar or identical homes (vs. a one-of-a-kind custom home), builders are typically loath to lower prices, as others can typically find the selling price, and it can cause difficulties with su...
by ResearchMed
Sun Jun 23, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of elderly parents' home
Replies: 42
Views: 2850

Re: Sale of elderly parents' home

potto0213. From Mike PIper's "Social Security Made Simple" page 22 to paraphrase - the widow gets 100% of her husband's PIA since she is past her full retirement age. Is that what you are saying? Bear I thought the surviving spouse got the full SS benefits of the deceased spouse (if it is more than...
by ResearchMed
Sun Jun 23, 2019 7:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 42
Views: 2970

What else is Vanguard getting "out of"? Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transameric

Does Vanguard have any special relationship with Transamerica? I don't have any Vanguard annuities, but earlier this week two defined contribution plans I have through Megacorp, which are now handled by Transamerica, are now showing up as links (albeit not-yet-working links) beneath my Vanguard 401...
by ResearchMed
Sat Jun 22, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: First Class Seats Domestic USA
Replies: 26
Views: 1984

Re: First Class Seats Domestic USA

Sorry, but my comments certainly have a lot to do with "what OP is asking about". For one thing, OP should focus on the types of seating, rather than what the "class" is "named" (e.g., Business or First). It's the seating that provides the comfort - or not - rather than the label. Second, if you re...
by ResearchMed
Sat Jun 22, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: First Class Seats Domestic USA
Replies: 26
Views: 1984

Re: First Class Seats Domestic USA

Also, "first class" seems to be going the way of the dodo bird. More and more, "business class" (J) is the "top category", but J can be far more comfortable than economy in many cases these days, including full flat bed seating (is that an oxymoron?). This is the case on domestic as well as interna...
by ResearchMed
Sat Jun 22, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: First Class Seats Domestic USA
Replies: 26
Views: 1984

Re: First Class Seats Domestic USA

Also, "first class" seems to be going the way of the dodo bird. More and more, "business class" (J) is the "top category", but J can be far more comfortable than economy in many cases these days, including full flat bed seating (is that an oxymoron?). This is the case on domestic as well as internat...
by ResearchMed
Sat Jun 22, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: First Class Seats Domestic USA
Replies: 26
Views: 1984

Re: First Class Seats Domestic USA

Greetings, I have never flown first class. I have flown economy, and have put up with the lack of comfort for the price of the ticket. 2 yrs ago I blew 2 lumbar disks, and then found out I have severe spinal stenosis lumbar. NOT looking for any medical advise. I can only sit in an uncomfortable sea...
by ResearchMed
Thu Jun 20, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: 5 days in Como, Italy
Replies: 15
Views: 1158

Re: 5 days in Como, Italy

We are in Milano now, having just spent about a week in Torino. The Duomo (Cathedral) is incredibly ornate outside, and worth a view. And one can go up to the roof area, and get a nice view. Plus in your case, the children may enjoy the adventure. DH just returned minutes ago from a trip up to the t...
by ResearchMed
Thu Jun 20, 2019 12:27 am
Forum: Investing - Theory, News & General
Topic: Against the Clock - Robert Merton & the Economist's Buttonwood
Replies: 11
Views: 1432

Re: Against the Clock - Robert Merton & the Economist's Buttonwood

"Human capital is low-risk." I wonder about this. It's quite possible to lose one's job and have a hard time finding one which pays the same or something close. It's not clear to me whether human capital is more or less risky than stocks. Interesting article and I certainly agree that the problem i...
by ResearchMed
Wed Jun 19, 2019 12:34 am
Forum: Investing - Theory, News & General
Topic: Which category to liquidate to cover a margin
Replies: 7
Views: 610

Re: Which category to liquidate to cover a margin

For some reason, I need to provide a cash loan to a close relative on short notice. This leaves me with a large 8.325% margin at Fidelity. I think liquidating a portion of my portfolio is likely less expensive than paying the margin rate. My emergency cash reserve is intact, so are our day jobs. My...
by ResearchMed
Tue Jun 18, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 65
Views: 3457

Re: How to ensure POA is acting in best interest of grantor?

As what you’ve described might be financial elder abuse you should contact local law enforcement authority to intervene. They will undertake a thorough accounting. An Elder Affairs Office may be able to deal with "anonymous" complaints. If so, and if the "complaint" is specific enough for them to i...
by ResearchMed
Mon Jun 17, 2019 11:40 pm
Forum: Investing - Theory, News & General
Topic: Do VG reps/execs read this website for improvement suggestions?
Replies: 9
Views: 964

Re: Do VG reps/execs read this website for improvement suggestions?

Hi BHs, This website produces a wealth of good ideas and explicit & implicit suggestions for improvement at VG. Everything from: improving the web interface, to customer service needs, to issues & errors with cost basis tracking on converting MFs to ETFs. Plus, it produces lots of great questions t...
by ResearchMed
Mon Jun 17, 2019 1:17 am
Forum: Personal Investments
Topic: Charles Schwab Money Market Retirement Account interest payment
Replies: 8
Views: 810

Re: Charles Schwab Money Market Retirement Account interest payment

I recently set up a Charles Schwab Cash and Money Market Retirement Account and parked my maximum 401k deferred amount ($18500 for 2019). I have a company 3% safe harbor match up to salary of 275k which is deposited monthly. Now I set up this up because I want a vanilla account where I can park the...
by ResearchMed
Sun Jun 16, 2019 12:04 am
Forum: Personal Consumer Issues
Topic: Health Insurance for Parents Traveling from Abroad
Replies: 3
Views: 393

Re: Health Insurance for Parents Traveling from Abroad

This issue has occasionally been brought up on CruiseCritic.com in one sub-forum:

https://boards.cruisecritic.com/forum/4 ... insurance/

You might need to do a search. Apologies, but I didn't keep track of the latest on this particular insurance need (others traveling to the USA).

RM
by ResearchMed
Fri Jun 14, 2019 10:42 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 33
Views: 1345

Re: can i change from ETFs to ( mf) mutual fund

hello BH Can I change from VG ETF to VG MF( mutual fund). My all portfolios are VG ETFs. One thing if I change from ETF to MF then all the dividend go into my bank account Anyone comment on it or thought my thinking is right or wrong??. Why can't dividends from your ETF's be directed towards the sa...
by ResearchMed
Fri Jun 14, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3875

Re: Checks without my account number

That’s simply not how the check clearing system in the United States works. To clear a check you need the routing number, account number, and a check number. Your bank’s bill pay service is functionally similar, unless you find yourself in situations where you need to physically hand someone a chec...
by ResearchMed
Fri Jun 14, 2019 12:44 am
Forum: Personal Finance (Not Investing)
Topic: what type of term life insurance
Replies: 12
Views: 984

Re: what type of term life insurance

My daughter (35) and son-in-law (40) have good jobs (combined income $330K), but are relying on their "employee life insurance plan" for their life insurance. My daughter says her death benefit is $250,000, and I believe my son-in-law is about the same --- or less. They think they have their life i...
by ResearchMed
Thu Jun 13, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

I thought the final offer was your previous one. You allowed buyer to attend perc test with understanding that the price would be reduced by the written estimate. Why were they allowed to counter? I find this absurd that this run around is occurring 14 days before closing. Makes me think buyer is n...
by ResearchMed
Thu Jun 13, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

Gardener wrote:
Thu Jun 13, 2019 9:00 pm
No, it would be going to my agent. Who would send to buyers agent
Er, what IS it going to take for you not to continue this "one more thing" approach, ad infinitum?

RM
by ResearchMed
Thu Jun 13, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

See ALL previous comments... Do NOT continue with this so-called "buyer". Do you REALLY, deep down, think that any so-called "agreement" here will be honored later without more demands? Really? End the madness. Get a NEW agent who will represent YOU, and give you decent advice. And note that no agen...
by ResearchMed
Tue Jun 11, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21665

Re: Can I afford this 2.3 million dollar home?

"Normal people" don't belong anywhere near this thread. You are earning 15x-20x what "normal" households do. ^ This!! Those numbers are mind boggling to this middle income family of 4. :shock: Just two to three years of that income would take us from debt riddled (now) to FIRE. Yes, this is part of...
by ResearchMed
Tue Jun 11, 2019 6:54 am
Forum: Personal Investments
Topic: intrigued and puzzled by Schwab offer to waive fees on Vanguard mutual fund purchases
Replies: 9
Views: 1232

Re: intrigued and puzzled by Schwab offer to waive fees on Vanguard mutual fund purchases

as I've stated in other threads, if you've got enough in Schwab, they offer you the option of having one or two other companies funds at no cost ( I've got Vanguard set up for mine). It's possible that the office you use has seen that you have vanguard funds and wants to make you aware of that opti...
by ResearchMed
Mon Jun 10, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3137

Re: Good Rx

GoodRX is such a good resource for comparison shopping of prescriptions. It is eye opening to see that sometimes one could pay cash at 1/3 of the cost of an insurance copay. Go figure! One thing to keep in mind for those with high medical costs, for those who are likely to reach your OOP (Out Of Po...
by ResearchMed
Mon Jun 10, 2019 2:37 pm
Forum: Personal Investments
Topic: Social Security and divorce
Replies: 3
Views: 730

Re: Social Security and divorce

I just turned 62, and my ex-wife to whom I was married for 19 years is 42. According to SSA.gov, I am eligible to receive $2000 a month at age 62. Does this mean I will collect $2000 a month until such time that she turns 62, and then my benefit will be reduced by half? Setting aside of course the ...
by ResearchMed
Mon Jun 10, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3875

Re: Checks without my account number

Thanks for the replies. Reports indicate a potential problem with pre-authorized checks like Bluebird and Money Network. It has been reported that a pre-authorized check will bounce if the payee attempts an electronic deposit or ACH pull: https://www.flyertalk.com/forum/manufactured-spending/156727...
by ResearchMed
Mon Jun 10, 2019 6:09 am
Forum: Personal Consumer Issues
Topic: Recycling - questions and answers
Replies: 14
Views: 1449

Re: Recycling - questions and answers

In our area, the Salvation Army will arrange to pickup whatever donations are ready. They ask that you give them some vague estimate of what you'll have, and how much, so they can be ready.

RM
by ResearchMed
Sun Jun 09, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3875

Re: Checks without my account number

When I do bill pay from my bank, my bank deducts the money immediately and the check that is mailed is a bank check, not a check drawn from my account. Thus it doesn't need to have my account number, just like a bank check that you would get from the bank in person. Ah - this was an interesting iss...
by ResearchMed
Sun Jun 09, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3875

Re: Checks without my account number

That’s simply not how the check clearing system in the United States works. To clear a check you need the routing number, account number, and a check number. Your bank’s bill pay service is functionally similar, unless you find yourself in situations where you need to physically hand someone a chec...
by ResearchMed
Fri Jun 07, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

Rascott- buyer came under contract at the end of April with the cash offer. Only after we negotiated all general repairs and gone back and forth with septic, did he disclose that he would be financing. You see a lot more of these in a week than I will in a lifetime, but is that common? We accepted ...
by ResearchMed
Fri Jun 07, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

Here is where because buyer is financing it becomes an issue: Because buyer wants to finance, an appraisal is needed. Per my agent, an appraisal cannot be completed until septic amendment is signed. Financing complicates things. And since I'm not sure that licensed septic can schedule out and get t...
by ResearchMed
Fri Jun 07, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

Here is where because buyer is financing it becomes an issue: Because buyer wants to finance, an appraisal is needed. Per my agent, an appraisal cannot be completed until septic amendment is signed. Financing complicates things. And since I'm not sure that licensed septic can schedule out and get t...
by ResearchMed
Thu Jun 06, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

True RM. And I have that concern as well. But, I do wonder if being present would be more likely to accept the offer. Maybe he does not trust the estimate that I give him, but perhaps being in person, he would see exactly whats going on. I could get burned with either approach I think. Do you have ...
by ResearchMed
Thu Jun 06, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

True RM. And I have that concern as well. But, I do wonder if being present would be more likely to accept the offer. Maybe he does not trust the estimate that I give him, but perhaps being in person, he would see exactly whats going on. I could get burned with either approach I think. Do you have ...
by ResearchMed
Thu Jun 06, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

True RM. And I have that concern as well. But, I do wonder if being present would be more likely to accept the offer. Maybe he does not trust the estimate that I give him, but perhaps being in person, he would see exactly whats going on. I could get burned with either approach I think. Do you have ...
by ResearchMed
Thu Jun 06, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

"IF they really wanted financing, why not start the appraisal - ALL of the financing - shortly after the offer was accepted? NOT after going back and forth about other issues, much later. And NOT when the deadline is looming such that many mortgage applications cannot be completed in time, etc." -R...
by ResearchMed
Thu Jun 06, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

I have until Saturday to respond, but here is what I am thinking. Please tell me if there is any holes in this that I am not seeing. Sellers initial offer stands- crediting buyer the entire amount of the written estimate that makes septic tank/drain field pass county inspection. Seller also allows ...
by ResearchMed
Thu Jun 06, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

I don't have a firm estimate on the septic. Will have that on 6/10 or 6/11. Initial estimates to repair the septic were approximately $8k-$12k prior to the perk. Installers were just going off of the septic test failure and looking at the lay out of my land. They all physically came to my property....
by ResearchMed
Thu Jun 06, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23157

Re: Selling home- Demanding Buyer (Repairs)

I don't have a firm estimate on the septic. Will have that on 6/10 or 6/11. Initial estimates to repair the septic were approximately $8k-$12k prior to the perk. Installers were just going off of the septic test failure and looking at the lay out of my land. They all physically came to my property....
by ResearchMed
Wed Jun 05, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 5936

Re: Would you buy a house without a garage?

The garage issue would depend on the part of the country and if most people there use public transportation (or not). The bathroom is a bigger issue, in my opinion. I would always consider how a future buyer would like the house when buying from me. Are you willing to have your house sit for a year...
by ResearchMed
Wed Jun 05, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Frequent Flyer miles for kids. Can I use them?
Replies: 12
Views: 685

Re: Frequent Flyer miles for kids. Can I use them?

adamthesmythe wrote:
Wed Jun 05, 2019 5:54 pm
Last time I checked, you could transfer your miles to another person for a fee.
The fee tends to be relatively high, per point, not a "processing fee".

It might make more sense to buy the extra miles needed, thus leaving the other person's points in place.

RM
by ResearchMed
Wed Jun 05, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4537
Views: 1168485

Re: What Movie Have You Recently Watched?

We were somehow in the mood the other evening to re-watch "All the President's Men".

Brought back so many memories of the real times. I was surprised to note how quickly it came out.

RM
by ResearchMed
Wed Jun 05, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Frequent Flyer miles for kids. Can I use them?
Replies: 12
Views: 685

Re: Frequent Flyer miles for kids. Can I use them?

Anyone know what to do with kid and their flights? I have a several FF accounts and so does my wife but my kids seldom fly. We're going to Europe, should be 15k miles per person. - Can I get them accounts? (age 14, 16) - Or better yet, can I somehow "have" their miles? :mrgreen: Thanks They should ...
by ResearchMed
Wed Jun 05, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 4701

Re: Are we downsizing too much?

According to Google, the average new single family home size in the U.S. = 2,600 square feet. So I would suggest that 1,800 is small. Also, it is 1,200 feet smaller than OP's current house, so it will feel small. Too small? Only the OP can determine that... Right: " Only the OP can determine that.....