Search found 5607 matches

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: 3576

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: 4600

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: 730

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: 1438

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: 2841

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: 2743

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: 3558

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: 678

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: 66889

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: 1361

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: 489

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: 1361

"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: 241

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: 2841

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: 2841

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: 2743

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: 924

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: 673

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: 615

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: 615

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: 615

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: 982

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: 243

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: 982

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: 702

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: 143

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: 468

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: 685

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: 685

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: 468

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: 468

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: 523

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: 1948

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: 2743

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: 2598

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: 2463

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: 2463

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: 1982

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: 1982

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: 1982

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...
by ResearchMed
Wed Jan 10, 2018 3:53 am
Forum: Personal Finance (Not Investing)
Topic: Did I need a lawyer after an accident?
Replies: 29
Views: 2598

Re: Did I need a lawyer after an accident?

Something is a bit off here, given a motor vehicle accident and significant medical expenses. OP, you have an attorney. What, exactly, is she/he doing? The attorney should be handling most of this for you, including with the hospital billing office so at least they don't start collections. That incl...
by ResearchMed
Tue Jan 09, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting Assets in Divorce
Replies: 51
Views: 4997

Re: Splitting Assets in Divorce

Your incomes are irrelevant in the splitting of assets. The only time they matter is in the calculation of child support. Most states have worksheets to do such, and you can certainly do that on your own. 30k truck (zero balance) remaining on a 20k car (10K balance) If you keep your car and she kee...
by ResearchMed
Tue Jan 09, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: What your 2017 returns would look like if you listened to these financial websites
Replies: 18
Views: 3709

Re: What your 2017 returns would look like if you listened to these financial websites

David Jay wrote:
Tue Jan 09, 2018 1:10 pm
And VTIAX (Total Stock Market) was up 27.5%

...own the haystack
VTIAX is Total International Stock Index Fund, Admiral class.

Total Stock Market was up approx 21% last year.

RM
by ResearchMed
Tue Jan 09, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Convert to LLC for rental properties?
Replies: 10
Views: 1235

Re: Convert to LLC for rental properties?

Hi, My wife and I own two duplexes. One for for 10 and another for 15 years. This year they will net about $6,000/year rental income after depreciation, etc (line 26 on Schedule E). Next year it will be about $15,000/year since I paid off a loan. We don't provide "substantial services" nor am I a "...
by ResearchMed
Tue Jan 09, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Splitting Assets in Divorce
Replies: 51
Views: 4997

Re: Splitting Assets in Divorce

Consider maintaining the home for the child, with each custodial parent moving in and out of the house for parenting time. Have an apartment on the side that either of you lives in when the other is at home with the child. Makes for a more stable childhood. This is a disaster of an idea. Who knows?...
by ResearchMed
Mon Jan 08, 2018 10:16 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8461

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

What I find more inappropriate is when some member denigrates the choice (or even the actual question) of others. Someone asking about getting a good price for, say, a diamond engagement ring is looking for just that... help with pricing. Responding in an uncharitable way about how stupid such a rin...
by ResearchMed
Mon Jan 08, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: Questions on exchanging between Vanguard IRA funds and tax implication
Replies: 5
Views: 397

Re: Questions on exchanging between Vanguard IRA funds and tax implication

Any transactions taken withIN an IRA have no tax consequences. I can think of one exception, triggering a wash sale if you sell something at a loss in a taxable account and buy something substantially identical in an IRA within 30 days. Thank you. My comment was a bit too broad. For OP, what this m...
by ResearchMed
Sun Jan 07, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Debating which credit card to get for airline travel
Replies: 22
Views: 1236

Re: Debating which credit card to get for airline travel

You'll learn a lot from the sources given already, especially that opening new credit cards for significant point bonuses will be important unless you are spending a huge amount each year. However, in terms of *which* cards, take some time to study which airlines are "partners". Almost always, if yo...
by ResearchMed
Sun Jan 07, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4178

Re: PE firm is buying my practice. Help!

Don't invest too much, if you invest at all.

Otherwise, you'll have your income *and* your investments based pretty much upon the same thing.

I know nothing about PE, so I can't comment on how to deal with that on its own.

RM