Search found 5968 matches

by ResearchMed
Mon Apr 23, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 145
Views: 8368

Re: BH travel tips?

Thank you, Hyperborea, I don't use a smartphone and rarely carry my cellphone. I found some button compasses on Amazon, but for some reason they sell them in large quantities. My current choice is "Bayite Hard Shell Liquid Filled Button Compass Set for Survival Watch Band Paracord Bracelet Pack of ...
by ResearchMed
Mon Apr 23, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 145
Views: 8368

Re: BH travel tips?

I frequently wished that I had a compass in cities, but was not familiar with the concept of button compasses. On Amazon they have more sophisticated ones for $8 and above, and cheap ones selling 10 for $10. Which one do you use? I've had a little one that, IIRC, cost about $5 a number of years ago...
by ResearchMed
Sun Apr 22, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 64
Views: 4421

Re: Settlement Offer -- Accept or Wait?

I consulted a personal injury attorney yesterday. He said the reimbursement for the ER is about what it should be as long as I don't receive any surprise bills. He told me that my medical insurance company might wish to be reimbursed for some of the monies; he also said that they might not even thi...
by ResearchMed
Sun Apr 22, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Long term care ins John Hancock
Replies: 32
Views: 1448

Re: Long term care ins John Hancock

The "re-set" of the "maximum payout" is something that is available in most policies for sale today. Hmmm. Guess DH's policy from about 5 years ago left this out. Too bad. About 5 years ago, Employer changed LCTI providers, and thus a new window opened for "everyone". Employees were automatically "...
by ResearchMed
Sun Apr 22, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 64
Views: 2888

Re: AAA? What to do in car emergencies?

If a car is on fire, any part of it. Get away to a safe location. Call 911. The car can be replaced. Injury by fire or explosion cannot. The fumes and smoke from a car fire are extremely toxic. This from a close friend who is a retired fire captain. aloha j This. Last I checked, them thar cars got ...
by ResearchMed
Sun Apr 22, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Long term care ins John Hancock
Replies: 32
Views: 1448

Re: Long term care ins John Hancock

Understood. The "negotiations" you're referring to is a policy feature called, "Alternate Plan of Care". Most of the better policies sold since the late 90's include this. Most policies being sold today include it as well. That would probably be similar, but seems to be a "planned" policy feature. ...
by ResearchMed
Sun Apr 22, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 64
Views: 2888

Re: AAA? What to do in car emergencies?

We've stopped even trying to reach our insurer's "roadside" (or driveway!) "help". :happy I have had my battery die in my garage twice. One the first occasion, it was the weekend and i was on my way to the grocery store. So I went back in the house called AAA - they always ask if you are stranded o...
by ResearchMed
Sun Apr 22, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Best Alternative to a Pension (DB )
Replies: 12
Views: 914

Re: Best Alternative to a Pension (DB )

I read a thread yesterday about a forum member's employer freezing his and other employees pension near his retirement date. The thread reminded me how fragile the guarantee of a DB pension may be for many. I posted a question 2 weeks ago , seeking advice on whether I should buy back abut 7 years o...
by ResearchMed
Sun Apr 22, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 64
Views: 2888

Re: AAA? What to do in car emergencies?

But as I was driving on the highway, I realized that, without my husband, I have no clue what to do if I have a flat or a breakdown or an accident. Is AAA still the thing to do? AAA is an expensive and bad idea. 30 yrs ago they were the only game in time and people are stuck in old habits. Any auto...
by ResearchMed
Sun Apr 22, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Long term care ins John Hancock
Replies: 32
Views: 1448

Re: Long term care ins John Hancock

Understood. The "negotiations" you're referring to is a policy feature called, "Alternate Plan of Care". Most of the better policies sold since the late 90's include this. Most policies being sold today include it as well. That would probably be similar, but seems to be a "planned" policy feature. ...
by ResearchMed
Sun Apr 22, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Remedy for Post-Purchase Problem (House)
Replies: 10
Views: 1048

Re: Remedy for Post-Purchase Problem (House)

My son and daughter-in-law recently bought their first home in Pennsylvania. Beyond the typical "surprises" found after moving in, they have discovered and validated major installation flaws with their metal roof. Installed by previous owner less than four years ago, it leaks at various places into...
by ResearchMed
Sat Apr 21, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Updated w2 from 2013-2017
Replies: 6
Views: 508

Re: Updated w2 from 2013-2017

This happened to us, and I think the two previous posters are correct. The overdue money was paid in a lump sum, in one year. No changes were needed to previous years' tax returns. It was a nice, unexpected check, of an amount large enough to "notice". Nice (except that we should have had the money ...
by ResearchMed
Sat Apr 21, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 23
Views: 1612

Re: estate planning with animals

I've left a significant amount of money in my will for the care of any pets I have at the time if my death, since I know what medical care cost of one who had a chronic illness, very expensive, and the executor gets to pick who gets that and the pets. However, I have three people lined up and the e...
by ResearchMed
Sat Apr 21, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Home owner's insurance
Replies: 6
Views: 560

Re: Home owner's insurance

I own a single family residence. Attached to the residence is an 'in-law quarters residence' which I rent out to a couple and their son. I recently received a bill for my home owner's insurance with its $900 increase. Should I maintain the home owner's insurance? Did you disclose to your insurance ...
by ResearchMed
Sat Apr 21, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Home owner's insurance
Replies: 6
Views: 560

Re: Home owner's insurance

I recently received a bill for my home owner's insurance with its $900 increase. Should I maintain the home owner's insurance? First, decide if you need insurance at all. What would be the impact on your financial situation if the house burned down completely? Then, consider if the specifics of the...
by ResearchMed
Sat Apr 21, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 64
Views: 4421

Re: Settlement Offer -- Accept or Wait?

I think your medical insurance company is going to want to be reimbursed. If you sign that agreement, you may be liable for the reimbursement of medical costs. That ambulance ride and ER Visit was likely a LOT more than $1800. You car insurance company will also want to be reimbursed. Without detai...
by ResearchMed
Sat Apr 21, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Long term care ins John Hancock
Replies: 32
Views: 1448

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: 32
Views: 1448

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: 32
Views: 1694

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: 32
Views: 1694

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: 64
Views: 4421

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: 32
Views: 1694

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: 2114

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: 2114

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: 10830

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: 2114

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: 2114

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: 1293

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: 2114

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: 10830

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: 1692

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: 1692

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: 1041

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: 10830

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: 1041

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: 877

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: 877

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: 302

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: 3091

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: 913

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: 145
Views: 8368

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: 680

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: 2660

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: 145
Views: 8368

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: 1136

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: 5440

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: 145
Views: 8368

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: 367

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: 485

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: 625

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...