Search found 7148 matches

by ResearchMed
Mon Oct 22, 2018 3:31 am
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 10
Views: 794

Re: Do you use mobile apps to assist with your investments?

No apps.

When I'm out and around, the last thing I need is to "act as though I'm still home and logged in"! :annoyed

RM
by ResearchMed
Mon Oct 22, 2018 3:20 am
Forum: Personal Finance (Not Investing)
Topic: New scam hackers spoofing actual correspondence with your own history
Replies: 7
Views: 881

Re: New scam hackers spoofing actual correspondence with your own history

My own frustration is that I'd just finished changing all passwords for financial sites, and done a run-through of my password safe to change all less secure passwords from years past. Anyone who had ever had my credit card info needed a more secure password than I used 4+ years ago. It was a pain,...
by ResearchMed
Mon Oct 22, 2018 2:51 am
Forum: Personal Finance (Not Investing)
Topic: New scam hackers spoofing actual correspondence with your own history
Replies: 7
Views: 881

Re: New scam hackers spoofing actual correspondence with your own history

So, I received an email with the last thread of a conversation I had with a financial firm last August. It looked like it was a new message from the firm, but with no new message to me. However, this one had a .doc attachment. If you touch the attachment, you get an online screen that seems to be a...
by ResearchMed
Mon Oct 22, 2018 2:28 am
Forum: Personal Consumer Issues
Topic: Privacy Protections for a Patient Death Preceding Passage of HIPAA
Replies: 5
Views: 409

Re: Privacy Protections for a Patient Death Preceding Passage of HIPAA

I am researching a relative (my late grandmother's sister) for purposes of constructing a family tree. My relative died in 1977. At the time of her death, she was a patient in a psychiatric hospital in PA. I am seeking information such as her spouse's name, whether there were any children, etc. My ...
by ResearchMed
Sun Oct 21, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: 2 rental car reservations?
Replies: 21
Views: 985

Re: 2 rental car reservations?

The rental company is not taking great strides to reserve the vehicle you selected. They are just going to give you whatever is on the lot. How many times have you showed up for a car rental and they don't have the vehicle? Happens all the time. One can say the customer should hold to a higher stan...
by ResearchMed
Sun Oct 21, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1445

Re: First RMD is due last day of year

BL... [quote= After age ~59.5, you are allowed to withdraw any amount and simply pay the tax. Please explain. Thanks I think what is meant is that before age 59.5, although there are no RMD's yet, IF you want access to your IRA money, you'd have to pay the regular income tax PLUS a fee of (I think)...
by ResearchMed
Sun Oct 21, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 42
Views: 2566

Re: noisy generator

I just talked to Generac. They're in cahoots with something called MobileLink that will email or text. Doesn't say anything about wifi. Looks like it's some cellular connection. Not sure I want to fork out $295 for the device and $99 a year for their cellular service when I already have cellular se...
by ResearchMed
Sun Oct 21, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying an apartment in China
Replies: 6
Views: 575

Re: Buying an apartment in China

Also, what about that 2.5 yr min on the current assignment, combined with the "can't sell" for 5 years?

Is that at all likely to be a problem, from your perspective or perhaps employer's?

RM
by ResearchMed
Sun Oct 21, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 42
Views: 2566

Re: noisy generator

I hope the OP has been instructed on how to change the oil in the generator. It should be done every 100 hours of operation (about 4 days of continuous operation) or once a year, whichever comes first. The replacement oil should be synthetic (I like Mobil 1), but Generac wants the first 100 hours t...
by ResearchMed
Sun Oct 21, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Kitces link: The Spectrum of Financial Dependence and Independence
Replies: 20
Views: 1680

Re: Kitces link: The Spectrum of Financial Dependence and Independence

I don't agree that the levels defined are all distinct. Three of them are more about mindset than where you are on some spectrum. Author would have done better to bring down the number to more distinct levels that don't include mindset differences that can actually occur at different levels. So sor...
by ResearchMed
Sun Oct 21, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 64
Views: 4489

Re: 8 reasons why pensions are [good]

They're certainly not [good --admin LadyGeek] in Detroit or Central Falls, RI, where public workers lost significant benefits. They're not [good --admin LadyGeek] in Providence where they risk municipal bankruptcy. They won't be [good --admin LadyGeek] in many, many areas over the next several year...
by ResearchMed
Sun Oct 21, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 247
Views: 28717

Re: High End Wrist Watches (Gone Crazy)

I visited a local watch seller at my local mall, and checked out a few watches from Rolex and Breitling. As someone who is learning about high end mechanical watches, I would say they were a disappointment. Sure they were nice, almost too shiny and blingy, but the casebacks were solid metal, so you...
by ResearchMed
Sun Oct 21, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 64
Views: 4489

Re: 8 reasons why pensions are [good]

Many years ago, when I joined the U.S. Public Health Service, I know there were good things about a “gov’t pension”, but after taking my retirement a few years back and I have come to appreciate that a pension provides many benefits I did not anticipate. I’ve made a list of all of the potential ben...
by ResearchMed
Sun Oct 21, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 42
Views: 2566

Re: noisy generator

I hope the OP has been instructed on how to change the oil in the generator. It should be done every 100 hours of operation (about 4 days of continuous operation) or once a year, whichever comes first. The replacement oil should be synthetic (I like Mobil 1), but Generac wants the first 100 hours t...
by ResearchMed
Sun Oct 21, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1445

Re: First RMD is due last day of year

I turn 70 next year on June 30, 2019, and I believe that means my first RMD must come out of my IRA on Dec 30, 2019. Or does it? How does the IRS define 70.5? If it's 6 "months" after my birthday, is it Dec 31st? Would my first RMD need to come out during calendar year 2020? Dec 31,2019 is a Tuesda...
by ResearchMed
Sun Oct 21, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 42
Views: 2566

Re: noisy generator

Our Generac was installed in a Generac-branded metal housing that has this egg-crate foam-looking "stuff' in the lid. I'm not sure about around the insides on the walls. But when the lid is closed, the sound is muffled considerably. RM There is some stuff on the sides (not sure how many sides as I ...
by ResearchMed
Sat Oct 20, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 42
Views: 2566

Re: noisy generator

You might look at attaching some egg crate type material to the insides of the boards (gen side) that may stifle some of the noise. Our Generac was installed in a Generac-branded metal housing that has this egg-crate foam-looking "stuff' in the lid. I'm not sure about around the insides on the wall...
by ResearchMed
Sat Oct 20, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 102
Views: 4600

Re: Long-term Care Insurance

Nearly every long-term care insurance company today offers couples the ability to share 10 to 16 years of benefits. Two long-term care insurance companies offer policies with lifetime/unlimited benefits. More importantly, 44 states have Long-Term Care Partnership Programs which can protect your ass...
by ResearchMed
Sat Oct 20, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Do Any Annuities Offer a "Free Lunch"?
Replies: 21
Views: 1737

Re: Do Any Annuities Offer a "Free Lunch"?

I recently recruited the help of my financial advisor friend to reach my goal of early retirement*. He suggested an annuity, specifically this one: http://cm.axa-equitable.com/res/prd/be97fc90f28d7d1bc62d656454c4fe1f.pdf How does this annuity compare to other offerings on the market, and how does i...
by ResearchMed
Sat Oct 20, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Travelers Checks
Replies: 31
Views: 1609

Re: Travelers Checks

We had a stash of Amex travelers check, in US$ and Euros, and in major cities in Italy, we had difficulty using them. Part of our problem was that we had already charged most of our hotel bills in advance. Most hotels (most, not all) would have taken them, and indeed that did help us slowly spend th...
by ResearchMed
Sat Oct 20, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: If I'm convinced to stop making extra mortgage payments, should I recast?
Replies: 15
Views: 1958

Re: If I'm convinced to stop making extra mortgage payments, should I recast?

One thing that annoyed me was immediately after I recast my mortgage servicing company sold/transferred my mortgage to another company. I think this was intentional on their part because the new company does not offer recast as a service and is constantly spamming me to “unlock” my homes value by o...
by ResearchMed
Fri Oct 19, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Timing mortgage pay down
Replies: 40
Views: 2636

Re: Timing mortgage pay down

30 years fixed rate mortgage is not the same as a normal bond or a bond fund. KlangFool So you say - but my point is that this subject is more nuanced than you care to consider. You have a very black and white view that is generally at odds with my experience. I don't believe that it makes any diff...
by ResearchMed
Fri Oct 19, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: If I'm convinced to stop making extra mortgage payments, should I recast?
Replies: 15
Views: 1958

Re: If I'm convinced to stop making extra mortgage payments, should I recast?

I've learned a lot following the recent posts re. paying off one's mortgage early and I think that I have been convinced to stop making extra principal payments. As a bit of background, we max out all of our tax deferred investments, have adequate emergency savings, contribute to 529s, etc. Any ext...
by ResearchMed
Fri Oct 19, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Best options for cash in Schwab brokerage accounts?
Replies: 59
Views: 12758

Re: Best options for cash in Schwab brokerage accounts?

I started putting some money into Schwab's SWVXX money market in May of this year. When I look at the "positions" tab, the gains/loss is 0% (which is disturbing, actually). I would like to be able to see online the $s gain/lost for that day, and the % gains/loss year to date for each fund. Or, if i...
by ResearchMed
Fri Oct 19, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Payroll Tax Cap
Replies: 6
Views: 502

Re: Social Security Payroll Tax Cap

Interesting detail to add... If one works for two W-2 jobs, and in total earns above the cap, he/she will get back the extra SS tax paid, but the employER does not. Meaning, each employer paid some share of SS tax which the employEE did not end up owing. I don't believe there is any mechanism for e...
by ResearchMed
Fri Oct 19, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Payroll Tax Cap
Replies: 6
Views: 502

Re: Social Security Payroll Tax Cap

So the social security payroll tax cap is on $128,400 of wages, thus $7,960.80 is the max a company will withhold per year. Could someone clear up the following situation: High income earner makes more than cap and his W-2 job stops withholding after earner hits $7,960.80. Side gig of same person c...
by ResearchMed
Fri Oct 19, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 110
Views: 5682

Re: Depositing Cash if it was gifted?

The title says "Cash." I am curious whether the same rule also applies to a bank check or a transfer between two financial institutions. One time I emptied a fairly large credit union account and walked up to a nearby Fidelity to buy a CD ladder. I also transfer excess fund from my checking account...
by ResearchMed
Fri Oct 19, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 110
Views: 5682

Re: Depositing Cash if it was gifted?

I sold a car for $12,000 and the seller literally brought cash. To avoid the possibility of it being counterfeit, I asked for him to bring the money to my credit union, and we deposited it there. I was asked a great deal of information, including for my driver license, where the cash was coming fro...
by ResearchMed
Thu Oct 18, 2018 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Timing mortgage pay down
Replies: 40
Views: 2636

Re: Timing mortgage pay down

OP, It is very simple. Mortgage interest rate = X. Market return = Y. If Y > X, investing win. If X > Y, pay extra win. It has nothing to do with timing. If you have $500 extra, mortgage interest = 3% and market return = 7%, investing the $500 always win since 7% is greater than 3%. KlangFool P.S.:...
by ResearchMed
Thu Oct 18, 2018 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Timing mortgage pay down
Replies: 40
Views: 2636

Re: Timing mortgage pay down

OP, It is very simple. Mortgage interest rate = X. Market return = Y. If Y > X, investing win. If X > Y, pay extra win. It has nothing to do with timing. If you have $500 extra, mortgage interest = 3% and market return = 7%, investing the $500 always win since 7% is greater than 3%. KlangFool P.S.:...
by ResearchMed
Thu Oct 18, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Timing mortgage pay down
Replies: 40
Views: 2636

Re: Timing mortgage pay down

I understand that, Klangfool. But that isn’t the question. Some people may have different comfort levels with debt or different goals altogether. For example, Retiring Russ may be retiring in 15 years and may decide to pay his mortgage off in 15 years as opposed to 30 years so he doesn’t have a mor...
by ResearchMed
Thu Oct 18, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Freestanding Wine Fridge Reccomendations
Replies: 9
Views: 871

Re: Freestanding Wine Fridge Reccomendations

I need recommendations for a decent wine fridge. I'm finding this especially hard to research, as it's a niche enough product that it doesn't seem to get widely reviewed by the standard third parties, it seems easy to drastically overpay, and quality seems to be all over the place. I think I need s...
by ResearchMed
Thu Oct 18, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 110
Views: 5682

Re: Depositing Cash if it was gifted?

Deposit the cash. If asked where you received the funds, be truthful - you inherited it. But the OP did not inherit it . His grandmother did. Now she wants to gift it to him. My grandfather recently passed away in July. He was 94 years old, a month from 95, and he left my grandmother almost $70,000...
by ResearchMed
Thu Oct 18, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 110
Views: 5682

Re: Depositing Cash if it was gifted?

Celia, not good advice. You are advocating structuring which is a crime. Gill Suggesting she hold onto it for herself is good advice, if you don't know her financial affairs. Are you referring to her depositing her own money in stages??? Yes, *any* repeated deposits that are each nearly $10k are "s...
by ResearchMed
Thu Oct 18, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 110
Views: 5682

Re: Depositing Cash if it was gifted?

I'll bet there's probably more cash in other places in the house. (My in-law put a deceased's persons stuff in the front yard for a yard sale, then started going through the pockets. After they found several hundred dollars, they pulled all the clothes inside for another time. The original family d...
by ResearchMed
Thu Oct 18, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 110
Views: 5682

Re: Depositing Cash if it was gifted?

Hi all, My grandfather recently passed away in July. He was 94 years old, a month from 95, and he left my grandmother almost $70,000 in cash that she did not know about (I mean literal $20 and $100 bills). My grandmother wants to gift me and her other grandsons $10-$15K each of it. My question is -...
by ResearchMed
Thu Oct 18, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3346
Views: 1005105

Re: What Book Are You Currently Reading? Part VI

I am on a cycle of re reading old classics that enjoyed years ago. And to be more specific, there were two books which years ago brought tears to my eyes at ending which I read in past weeks just to see if would occur again, kind of like a test of my now much older sensibilities. The Age of Innocen...
by ResearchMed
Thu Oct 18, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can you include this in a will?
Replies: 20
Views: 2885

Re: Can you include this in a will?

PoppyA wrote:
Thu Oct 18, 2018 12:13 pm
If you don’t want heirs fighting over your will, can you add a condition that any one who challenges it, forfeits their bequest?
I've heard of those.

Some legal eagles here will chime in about whether those clauses are enforceable.

RM
by ResearchMed
Thu Oct 18, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Local review of Truecar
Replies: 8
Views: 892

Re: Local review of Truecar

As described elsewhere on BH, we used TrueCar to help us get MIL a new car when she was cross country from us. Used TC to get quotes from several dealers. Those who "stuck with the request" and didn't go off the rails right away with upsells, I then contacted them directly, with *specifics* and said...
by ResearchMed
Thu Oct 18, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 74
Views: 9562

Re: Larry Swedroe: Prepare For The Bear

My last comments to explain a few things Homer The problem is that you fail to recognize what I have pointed out repeatedly in many discussions over the years about even DFA funds, you cannot extrapolate from a prospectus because it is written by lawyers to preclude lawsuits and often includes many...
by ResearchMed
Thu Oct 18, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1342

Re: To replace old Volvo

Volvo has one of the best CPO warranty's out there. 7 years or 100,000 miles from the date the vehicle was first placed in service. The new 2019 S60's should be in dealerships Dec/Jan. Volvo does have an early-trade up leasing program. I'd expect you'd find some screaming deals on low-milage lease ...
by ResearchMed
Wed Oct 17, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 77
Views: 4176

Re: Personal Adventure - recommendations

This is a great thread. No one has mentioned the wild and crazy events coordinated by the Adventurists so I will: https://www.theadventurists.com/home/ These are way too out there for me and probably for most bogleheads, but I admire the spirit motivating them. I think that spirit can be used to in...
by ResearchMed
Wed Oct 17, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1342

Re: To replace old Volvo

Again. Thank you very much. I have just done that. Also, to RM, I would like to respond to your request but I can't figure out how to do it as the responses which are coming in are not always sequential. Uh oh, I think we - including ME - are confused. I was trying to get someone ELSE to reformat. ...
by ResearchMed
Wed Oct 17, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1342

Re: To replace old Volvo

1johanna wrote:
Wed Oct 17, 2018 2:54 pm
Not quite sure what you suggest I do but I doesn't matter. I got the gist of your message & thank you for it.
If you are referring to me (RM), I'd prefer that you fix the entry you made that seems to show *me* writing what in fact *you* had written.
It would be simple courtesy.

Thank you.

RM
by ResearchMed
Wed Oct 17, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1342

Re: To replace old Volvo

Thank you. I have never had a better car than the S70 and, and I said, had hoped to keep it forever. Whenever I have to rent a car they all seem like tin cans after the Volvo. What I've found though, as a single woman, is that even the best recommended mechanics, tend, over time to take advantage. ...
by ResearchMed
Wed Oct 17, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1342

Re: To replace old Volvo

Thank you. I have never had a better car than the S70 and, and I said, had hoped to keep it forever. Whenever I have to rent a car they all seem like tin cans after the Volvo. What I've found though, as a single woman, is that even the best recommended mechanics, tend, over time to take advantage. ...
by ResearchMed
Wed Oct 17, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid exposure from owning rental properties
Replies: 6
Views: 509

Re: How to avoid exposure from owning rental properties

You probably cannot get the properties entirely veiled by an LLC *if* you have a mortgage, unless the LLC has enough assets/credit history to have a mortgage issued INSTEAD OF a mortgage in personal names. If properties are "paid off", then that's not a concern. I don't believe a mortgage has any i...
by ResearchMed
Wed Oct 17, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid exposure from owning rental properties
Replies: 6
Views: 509

Re: How to avoid exposure from owning rental properties

Hello, How does one protect oneself from the exposure caused by rental property investments? Deeds are pubic info and anyone can find out what one owns. I have 2 rental homes (both on mortgage, though) and I am trying to figure out how to protect myself and my family from bad actors out there. Move...
by ResearchMed
Wed Oct 17, 2018 4:12 am
Forum: Personal Finance (Not Investing)
Topic: What would you do with unexpected tax refund?
Replies: 25
Views: 1275

Re: What would you do with unexpected tax return?

Why is your tax return unexpected? Don't you usually have to file? For 2018, if your income is the same and you don't have to file, it's because the tax laws were changed last year and took effect this year. Celia - it was unexpected because we dont typically get a big return, maybe just a little m...
by ResearchMed
Tue Oct 16, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance from chase sapphire card
Replies: 6
Views: 750

Re: Travel insurance from chase sapphire card

I was curious if anybody has ever put in a travel claim(cancellation,interruption of trip,etc)using their chase sapphire preferred card. Thanks You might want to ask this on www.CruiseCritic.com on the "Travel Insurance" sub-forum. (It's not at all cruise-specific.) There has been a good amount of ...