Search found 5262 matches

by ResearchMed
Sat Nov 18, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Charge card, what info embedded in chip?
Replies: 8
Views: 571

Re: Charge card, what info embedded in chip?

Thanks.

If the info for the receipt is in fact going to the phone via the charge card company, with the regular info for the charge statement... that makes sense.
The driver seemed (to us) to make it sound like it was going from taxi directly to cell phone.

Thanks again.

RM
by ResearchMed
Sat Nov 18, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Charge card, what info embedded in chip?
Replies: 8
Views: 571

Re: Charge card, what info embedded in chip?

It has absolutely nothing to do with what’s on the chip. The chip is basically a fraud resistant way of storing and retrieving your card number. Was it a Square reader (one of the white readers)? If you used your card someplace else where they had a Square reader and gave your mail address then, Sq...
by ResearchMed
Sat Nov 18, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

D urable POAs present a huge risk of fraud or malfeasance. To be useful they have to give the agent immediate unfettered power over the principal's assets. Financial institutions do not like getting caught in the middle and potentially be exposed to liability. Durable POAs are generally not drafted...
by ResearchMed
Sat Nov 18, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Charge card, what info embedded in chip?
Replies: 8
Views: 571

Charge card, what info embedded in chip?

We are away at a conference. In a taxi this afternoon, DH put the charge card into the slot ("insert chip side", etc.), and it was processed. He asked for a receipt, and the driver said, "The receipt will come to your cell phone." :confused DH asked how that worked (he hadn't been asked for any phon...
by ResearchMed
Fri Nov 17, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Suggestions for 1st week vacation in 2018?
Replies: 21
Views: 1127

Re: Suggestions for 1st week vacation in 2018?

Vacation time: 1/1/2018-1/7/2018. (Repeated) So far, almost all suggested places have been visited. Mexico (Cancun), Puerto Rico, Bahamas, Jamaica, DR, Aruba, Costa Rica, Belize, Honduras, St. Martin, Anguilla have been visited. Some people say Cuba may be a gray place to visit since the new admini...
by ResearchMed
Fri Nov 17, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: If you run Windows Defender & Malwarebytes..read this
Replies: 2
Views: 867

Re: If you run Windows Defender & Malwarebytes..read this

I just finished rebuilding a laptop from a new HDD back into a functioning machine running Win 10 Creators and Malwarebytes 3.2.2. (The issue detailed below didn't happen with this new build as MWB has addressed the source of the conflict with update 3.0.6 and above) As a side note..I worked for ye...
by ResearchMed
Thu Nov 16, 2017 8:18 pm
Forum: Forum Issues and Administration
Topic: Notifications
Replies: 3
Views: 340

Re: Notifications

I was under the impression that if you start a thread you are automatically subscribed to receive notifications, but that doesn't seem to be the case. Did something change or was that never the case? Is it possible that what is happening is that you "missed" a notification (or thought you'd already...
by ResearchMed
Thu Nov 16, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: OAYIX Fund [Oakmark International]
Replies: 2
Views: 268

Re: OAYIX Fund

I was looking for a fund that would complement the OAYIX fund, Vanguard will not hold that fund. I do not mind the fee for the returns and the average over time, most others I hold have less fees but at the same time do not return as much, any info is much appreciated. Is this the institutional cla...
by ResearchMed
Thu Nov 16, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Res - Anyone use Trip Canc Insurance
Replies: 10
Views: 872

Re: Chase Sapphire Res - Anyone use Trip Canc Insurance

I tried, it was due to a medical issue on the part of the person going with me. Chase denied it. I would not rely on their travel insurance and instead shop around - relying on the word of a customer service agent cost me $800. Did you have an actual valid claim? Did Chase give a reason and was it ...
by ResearchMed
Thu Nov 16, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: RMD's when changing broker?
Replies: 5
Views: 307

Re: RMD's when changing broker?

I have opened a new IRA at Merrill Edge, but have not moved assets from TDA. I must take my first RMD before 12/31/17. If I roll over first, how will ME know how much to take out based on 12/31/16 balance? (I do know the amount required.) Advice? You need to keep track of how much you need to pay f...
by ResearchMed
Thu Nov 16, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Res - Anyone use Trip Canc Insurance
Replies: 10
Views: 872

Re: Chase Sapphire Res - Anyone use Trip Canc Insurance

Double check about whether any coverage for medical-related claims would exclude anything related to some sort of pre-existing condition. This exclusion could snowball. Also, how some current medical problem is "related" to a pre-existing condition can get slippery. This is a concern with any travel...
by ResearchMed
Thu Nov 16, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 36
Views: 3180

Re: Upgrading a flight - what are your rules?

We've got a upcoming family trip, for four of us. On the way out, we have a single/direct 8 hr leg. On the way back, we have a 7hr redeye flight back. Right now we've got basic economy booked, and have the option to upgrade to econ plus. The fliers are 5'10", 5'6", and 2 fliers are 5'2" in height. ...
by ResearchMed
Thu Nov 16, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 36
Views: 3180

Re: Upgrading a flight - what are your rules?

We've got a upcoming family trip, for four of us. On the way out, we have a single/direct 8 hr leg. On the way back, we have a 7hr redeye flight back. Right now we've got basic economy booked, and have the option to upgrade to econ plus. The fliers are 5'10", 5'6", and 2 fliers are 5'2" in height. ...
by ResearchMed
Thu Nov 16, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime customers can now give Amazon access to their home
Replies: 51
Views: 4066

"First" (?) bug report - Re: Amazon Prime customers can now give Amazon access to their home

Apparently the first "bug" has been discovered:

https://www.cnbc.com/2017/11/16/amazon- ... aimed.html

It lets a delivery person disable cam, and re-enter home. :shock:

"What could possibly go wrong...?"

Let me count the ways...

RM
by ResearchMed
Thu Nov 16, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Gifting of stock in error
Replies: 8
Views: 986

Re: Gifting of stock in error

You can't unscramble an egg, even if you cracked it by mistake. It can be hard for brokerages to untangle certain types of mistakes. There can be third parties involved who don't care about mistakes. And from the computer systems point of view, a transaction is a transaction and can't simply be del...
by ResearchMed
Thu Nov 16, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15940

Re: Flying first class, business, versus economy.

I've never flown any other way than economy. Better seats cost too much. I just looked at the prices for a flight from US to Bangkok: $1129 Economy Class $1,937 Premium Economy $6,664 Business Class $13,838 First Class I usually have to buy 3 tickets. I would have heartburn paying the extra $800 fo...
by ResearchMed
Wed Nov 15, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Florida slip & fall advice? Helping my parents
Replies: 11
Views: 857

Re: Florida slip & fall advice? Helping my parents

My parents are in their 70's and they bought a house in Florida in early Summer 2017. It had been a lifelong dream to have a house in Florida. 3 weeks ago they entered a grocery store and walked through the produce aisle where there was water on the floor. My mother fell and her kneecap broke in ha...
by ResearchMed
Wed Nov 15, 2017 4:09 am
Forum: Personal Finance (Not Investing)
Topic: How to protect an elderly person?
Replies: 7
Views: 1181

Re: How to protect an elderly person?

It is possible to establish an adult guardianship or conservatorship to protect a person who is incapable of fully protecting themselves. Guardianships and conservatorships require court approval, which implement the legal concept of parens patriae. The guardian or conservator has much more control...
by ResearchMed
Tue Nov 14, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

If you have a password manager you could write a letter to the person with your DPOA and give them the password. Then, this person could use your computer and do anything with any of your accounts that you could do. Obviously, this is against the rules of most institutions such as Vanguard, and Sch...
by ResearchMed
Tue Nov 14, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

and for this, let's try to ignore Vanguard's peculiar treatment of PoA's (as in, refusing to recognize them; let's assume they are operating within PA law, and DO recognize a DPoA, etc., for this) ResearchMed, did you see my post above about the changes VG has made? https://www.bogleheads.org/forum...
by ResearchMed
Tue Nov 14, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

If you have a password manager you could write a letter to the person with your DPOA and give them the password. Then, this person could use your computer and do anything with any of your accounts that you could do. Obviously, this is against the rules of most institutions such as Vanguard, and Sch...
by ResearchMed
Mon Nov 13, 2017 11:30 pm
Forum: Investing - Theory, News & General
Topic: "A Case Against Over Weighting International Equity"
Replies: 11
Views: 1409

Re: "A Case Against Over Weighting International Equity"

I'm a bit confused here. I thought this forum promotes buy and hold as opposed to market timing. I'm seeing a lot of threads and comments from members here this year stating that they modified their asset allocation to hold more international equities due to high P/E's in the US market. I wonder if...
by ResearchMed
Mon Nov 13, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

I don't know the mechanism for providing for a dedicated additional account, but as a practical matter I would expect most people would just log on as the account owner. Nope, that is prohibited, considered to be sharing passwords. An agent logs in as "self", and then can see own accounts (if any) ...
by ResearchMed
Mon Nov 13, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

FYI, "The Uniform Power of Attorney Act" was created in 2006 in an attempt to standardize POA details across the states, requirements, standards for acceptance, etc. "The UPOAA provides broad protection for good faith acceptance or refusal of an acknowledged power of attorney, consequences for unre...
by ResearchMed
Mon Nov 13, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

I think there may be some misunderstanding of "Durable" as it pertains to PoAs. My understanding (correct me if I am wrong) A non-durable PoA ceases if the grantor becomes incapacitated, while durable continues after the grantor becomes incapicitated. My understanding is that you are correct. And a...
by ResearchMed
Mon Nov 13, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

I think there may be some misunderstanding of "Durable" as it pertains to PoAs. My understanding (correct me if I am wrong) A non-durable PoA ceases if the grantor becomes incapacitated, while durable continues after the grantor becomes incapicitated. My understanding is that you are correct. And a...
by ResearchMed
Mon Nov 13, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

.... IF Vanguard allowed outside "regular" PoA's, then what you would want, I think, would be a Springing PoA, one that "springs" into effect upon your incapacity. One problem with this type of PoA is that it typically requires a physician (or more than one, or also someone else) to make a determin...
by ResearchMed
Mon Nov 13, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

Vanguard is in PA, and thus is legally required to accept a valid PoA that is other than on their own form. RM Can you cite the PA law, and provide a link? Thanks There are a few BH threads discussing this shortly after it was passed, if you want to search here. Meanwhile, my most recent link to th...
by ResearchMed
Mon Nov 13, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

On one hand, I understand bank's & financial institutions reluctance to accept outside POA's. It would be a relatively easy way to drain someone else's account. On the other hand, I have had to deal with the frustration of a valid POA, account owner is in poor health, and being unable to take care ...
by ResearchMed
Mon Nov 13, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5545

Re: Losing all of your savings.

Forgive yourself. Though its hard to do, but I find it impossible to move on if I beat myself up for the mistakes. Second thing that helps me is to read life stories about people who have made the best of their failures. That gives me hope and motivation to do the same. Lastly, count your blessings...
by ResearchMed
Mon Nov 13, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

I'm confused. If VG won't accept a POA, why not just complete VG's Agent Authorization form in advance? Very common situation: Owner(s) of Vanguard account(s) are getting older and have PoAs done to designate a trusted family member to act on their behalf. Time passes and owner(s) become "incapacit...
by ResearchMed
Mon Nov 13, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

There is nothing that prevents a person from being proactive with a POA. We supplied copies of our properly executed POA's to our brokerage house as soon as we executed them. They had their legal folks review them. They archived copies, linked to our accounts, and provided feedback that they would ...
by ResearchMed
Mon Nov 13, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

There is nothing that prevents a person from being proactive with a POA. We supplied copies of our properly executed POA's to our brokerage house as soon as we executed them. They had their legal folks review them. They archived copies, linked to our accounts, and provided feedback that they would ...
by ResearchMed
Mon Nov 13, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5545

Re: Losing all of your savings.

So is the OP a pro poker player? I'm confused. OP had posted this earlier in a different post: I play poker for a living and have 6 figures on my bank account without any interests. I want to invest it the problem is I don't know how sooo I might need some percent of that money in months or might b...
by ResearchMed
Mon Nov 13, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5545

Re: Losing all of your savings.

why did you edit/delete all your old posts? The only thing listed under all your old posts is "lasdasd". https://s17.postimg.org/mlfkwxiof/Capture.jpg before you have a chance to delete this post and no one can read it again, here's what the OP's original question was: i've lost all of my savings b...
by ResearchMed
Mon Nov 13, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

"Because they can". We are in discussions with the PA AG's office about this. Another BH member (no longer active) had legal action started with Vanguard about this, but I think the very situation one would need the REAL PoA got in the way, and other things became far more important. (We had been w...
by ResearchMed
Mon Nov 13, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5545

Re: Losing all of your savings.

I agree to consider professional help. NOT a financial advisor, but a mental health professional. The other suggestions so far in this thread amount to help-self imperatives to learn and don't feel so bad. Usually that's easier said than done. This ^^^ Also, was this due entirely to investment loss...
by ResearchMed
Mon Nov 13, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

Banks and brokerages may refuse a POA. https://www.nytimes.com/2016/05/10/health/finding-out-your-power-of-attorney-is-powerless.html?_r=0 1. This article is from 2016 2. In many states (including my state of Virginia), financial institutions (banks and credit unions, for example) may not refuse to...
by ResearchMed
Mon Nov 13, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 93
Views: 4599

Re: POAs may not be that powerful

Banks and brokerages may refuse a POA. https://www.nytimes.com/2016/05/10/health/finding-out-your-power-of-attorney-is-powerless.html?_r=0 1. This article is from 2016 2. In many states (including my state of Virginia), financial institutions (banks and credit unions, for example) may not refuse to...
by ResearchMed
Mon Nov 13, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 127
Views: 7768

Re: Thoughts about wearing a "uniform"/same thing everyday?

In industry, there will be many people you deal with who never notice that you wear a uniform. There will be many more who notice, but either don't care or think it's a great idea. And there will be some who notice and think less of you for it. That's just the diversity of interest level and opinio...
by ResearchMed
Sun Nov 12, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15940

Re: Flying business

.....In the end it is all about how you value your money. Most of us can have a lot of things but not everything. You need to decide if a seat for a couple hours maximizes you happiness or not...... Well put. However in my particular case, the physical pain can last a day or two. If it were just a ...
by ResearchMed
Sat Nov 11, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Best way to sell house contents
Replies: 19
Views: 2468

Re: Best way to sell house contents

We used an "elder moving service" to help MIL when she moved cross country to an assisted living facility near us. They helped with everything from arranging for moving the things she wanted (and they did and supervised all packing as well), plus getting second-hand shops and estate shops(for nicer ...
by ResearchMed
Sat Nov 11, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Cruise to Nassau, Bahamas - Atlantis Discovery Tour?
Replies: 7
Views: 549

Re: Cruise to Nassau, Bahamas - Atlantis Discovery Tour?

Taking a 4-day Royal Caribbean cruise and considering if it's worthwhile to pay $49 for Atlantis Discovery tour. I understand this tour does not allow access to water park and the beach and fine with it. Is the tour worth it? We are a party of 5(3 adults and 2 kids(one of them an infant) and we'll ...
by ResearchMed
Sat Nov 11, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Jetted Tub: Maintenance and type
Replies: 6
Views: 642

Re: Jetted Tub: Maintenance and type

There's one feature about the walk-in type tubs (with a seat) that I noticed on the TV ads, although I have no idea what the general "non-TV quality" tubs are like. They mentioned speed of water to drain out, and that got me. Because of the door, you'd *need* to wait for just about all the water to ...
by ResearchMed
Fri Nov 10, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 127
Views: 7768

Re: Thouhgts about wearing a "uniform"/same thing everyday?

This has recently been a "thing" in the news, for some business women (also men) to wear a sort of "uniform", but usually to avoid needing to make more decisions that aren't "necessary": https://www.washingtonian.com/2017/03/30/what-its-really-like-to-wear-a-style-uniform-every-day-renata-briggman/ ...
by ResearchMed
Fri Nov 10, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: 450,000 American Airlines MILES gifted to me - how to book
Replies: 25
Views: 2301

Re: 450,000 American Airlines gifted to me - how to book

If your uncle logs onto his AA account he can see when the miles expire. My American Airline account says my miles (46k currently) expire 18 months after the last activity. Any addition or use of the miles count as activity. He can buy a magazine subscription with the miles, or donate some miles to...
by ResearchMed
Fri Nov 10, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: 450,000 American Airlines MILES gifted to me - how to book
Replies: 25
Views: 2301

Re: 450,000 American Airlines gifted to me - how to book

Well, not gifted and not yet. My 80+ year old uncle realizes he’ll never use the miles and wants to donate them to me. American Airlines charges a ridiculous amount to gift or donate miles - something like $625 for 50,000 miles. But it appears that if the tickets are booked through him, it’s no pro...
by ResearchMed
Fri Nov 10, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: 401K to IRA rollover
Replies: 10
Views: 620

Re: 401K to IRA rollover

My employer switched their 401k plan to the new provider in January 2017. This new provider is charging 1.1% admin fee. I have around $200K in my 401k account. So I am paying almost $200 every month in 401k admin fees. I contribute full 18K to the 401K plan every year. I have no plans to quit the j...
by ResearchMed
Thu Nov 09, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1100372

Re: U.S. stocks in freefall

Whakamole wrote:
Thu Nov 09, 2017 6:31 pm
tj wrote:
Thu Nov 09, 2017 6:08 pm
KSOC wrote:
Thu Nov 09, 2017 5:34 pm
I wish I had more $$ to buy today. Opportunities have been rare.
It ended down only like 0.4 % ?
VTI hasn't closed this low since November 2nd of this year.
:D

RM
by ResearchMed
Thu Nov 09, 2017 11:25 am
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 122
Views: 11518

Re: The fear of retirement, black swan, and math to dissuade the fear.

As has been said, some of the assumptions like credit card income may have been a bit off, but overall I think the logic of what OP has laid out is sound. If someone has enough self control, flexibility, and sense to have accumulated $2M, with a 50/50 asset allocation, and can live comfortably with...