Search found 7319 matches

by ResearchMed
Tue Nov 13, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 4
Views: 335

Re: Anyone have a bad experience with HDHP?

What is the out of pocket for your HDHP plan? For us, the PPO and the HDHP have the same out of pocket. With the company seed money and other HSA incentives currently equal to the deductible, it works out favorably for most families. The devil is in the details. Premiums are $110/month and out of p...
by ResearchMed
Tue Nov 13, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Settlement
Replies: 10
Views: 1488

Re: Auto Accident Settlement

Judgments can be far higher. My wife's aunt was given $100k medical payments and $1.2M pain and suffering. But this was a horrible situation she went through. Yeah, one really doesn't *want* the type of accident that "pays well"... And if there is no permanent/visible damage, it's not "sexy" for a ...
by ResearchMed
Tue Nov 13, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Morningstar downgrades several Vanguard funds
Replies: 3
Views: 750

Re: Morningstar downgrades several Vanguard funds

"The 10 Biggest Funds to Get Downgrades in 2018" Vanguard Short-Term Investment-Grade (VFSTX) and Vanguard Intermediate-Term Investment-Grade (VFICX) Downgraded to Bronze from Silver Do Vanguard's bond managers matter? You bet. Low fees help, but management is still important. Greg Nassour was thes...
by ResearchMed
Tue Nov 13, 2018 6:13 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2995
Views: 587448

Re: What's Your Credit Card Rewards Strategy?

What you are describing is something called “backdating”, and only Amex did this. Note that Amex too stopped this practice at least 3 years ago, and if you cancel the card but apply for another Amex card later, it will NOT inherit the opening date of the oldest card. ? I just applied for a new Amex...
by ResearchMed
Mon Nov 12, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3584

Re: Feeling uneasy about recent splurge

I splurged! I never splurge. Please help me chill out.... I bought a luxury, very comfy (in the store anyway) mattress. I spent about $1,000 more than I hoped to spend. It was not an impulse buy, but I am feeling strangely guilty because I did not buy a more affordable/bargain model (which is what ...
by ResearchMed
Sun Nov 11, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: At what point does a life insurance policy not make sense?
Replies: 16
Views: 1687

Re: At what point does a life insurance policy not make sense?

I've read that you should have $1M 20 year life insurance policy. At what point does it not make sense to have a life insurance policy? If your net worth is >$1M (not that mine is), does it not make sense? What about an AD&D (Accidental death and dismemberment insurance)? I don't have a risky job, ...
by ResearchMed
Sun Nov 11, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11451

Re: If expenses are low, are some of us over saving?

I'm single with no debt, paid off home, newer car and save more than twice what I spend each year. I live in a medium COL city and live moderately frugally, but don't want for much of anything. I still spend $45-50K/year. The thought of working until medicare age of 65 makes me ill so my expenses, ...
by ResearchMed
Sun Nov 11, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11451

Re: If expenses are low, are some of us over saving?

I'm single with no debt, paid off home, newer car and save more than twice what I spend each year. I live in a medium COL city and live moderately frugally, but don't want for much of anything. I still spend $45-50K/year. The thought of working until medicare age of 65 makes me ill so my expenses, ...
by ResearchMed
Sat Nov 10, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?
Replies: 19
Views: 3494

Re: Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?

bogglizer wrote:
Sat Nov 10, 2018 11:02 pm
ResearchMed wrote:
Sat Nov 10, 2018 9:52 pm
But again, even that section says "... living ..."
Clearly, vampires and zombies are excluded here. They think of everything.
:D

RM
by ResearchMed
Sat Nov 10, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 1813

Re: 20th Anniversary vacation ideas wanted

So it's our 20th Anniversary this next year. We have a window to travel in early April and... we're stumped. We are good Boglehead savers and yet want to splurge a bit, but in the Boglehead tradition, looking for a good value for our dollar. So, looking for ideas. We'd be flying out of LAX. Looking...
by ResearchMed
Sat Nov 10, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11451

Re: If expenses are low, are some of us over saving?

I'm single with no debt, paid off home, newer car and save more than twice what I spend each year. I live in a medium COL city and live moderately frugally, but don't want for much of anything. I still spend $45-50K/year. The thought of working until medicare age of 65 makes me ill so my expenses, ...
by ResearchMed
Sat Nov 10, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?
Replies: 19
Views: 3494

Re: Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?

This website has a simple interface to see if you will continue to receive benefits while traveling out of the states. https://www.ssa.gov/international/payments_outsideUS.html Cheers Thanks. Is there a list of countries where SS recipients can NOT go, and still receive benefits? Is it different fo...
by ResearchMed
Sat Nov 10, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?
Replies: 19
Views: 3494

Re: Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?

This website has a simple interface to see if you will continue to receive benefits while traveling out of the states. https://www.ssa.gov/international/payments_outsideUS.html Cheers Thanks. Is there a list of countries where SS recipients can NOT go, and still receive benefits? Is it different fo...
by ResearchMed
Sat Nov 10, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?
Replies: 19
Views: 3494

Re: Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?

Yikes. I don't remember ever knowing about any 30-day "out of country" rule. We'll be pushing right up against in during one trip next year (28 or 29 days). How would they even know? Is anyone really trying to match up SS# and passports and checking for border crossings in/out of USA? We've been get...
by ResearchMed
Sat Nov 10, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1043

Re: Help! yet aother PPO vs HDHP plan

It's time to enroll in my work place health insurance plan. We have always purchased the regular family PPO plans in the past. I have taken a closer look at the HDHP/HSA plan, and I think HDHP is a better deal. I just want to make sure that I am not missing anything and end up cost us more if we ch...
by ResearchMed
Sat Nov 10, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 70
Views: 2548

Re: International Travel during Maternity/Paternity

This is just about the worst idea I have heard in a long time. As someone who just took a 10 month old to an all inclusive resort on vacation (that was booked before we knew better) it was a big mistake, personally and financially. We couldn't do any activities and our daughter got a cold that made...
by ResearchMed
Sat Nov 10, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 70
Views: 2548

Re: International Travel during Maternity/Paternity

But would you rather do that or take a 6 week trip with the kids when they can enjoy it too? Or retire 6 weeks early? You're convinced you don't need the leave for the conventional purpose so at least try to work a deal. we're already FI, not interesed in super early FIRE. can take sabbatical in th...
by ResearchMed
Fri Nov 09, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: IRA rollover vs. transfer
Replies: 9
Views: 421

Re: IRA rollover vs. transfer

We have been attempting to transfer a relatively small IRA from Union Bank to Vanguard. The funds are in a Union Bank IRA money market. They were automatically transferred from a prior employer because the amount was relatively small ($10,000 or so). My question is whether there is any significant ...
by ResearchMed
Fri Nov 09, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: IRA rollover vs. transfer
Replies: 9
Views: 421

Re: IRA rollover vs. transfer

We have been attempting to transfer a relatively small IRA from Union Bank to Vanguard. The funds are in a Union Bank IRA money market. They were automatically transferred from a prior employer because the amount was relatively small ($10,000 or so). My question is whether there is any significant ...
by ResearchMed
Fri Nov 09, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: IRA "direct rollover"
Replies: 5
Views: 442

Re: IRA "direct rollover"

My question is whether the rule that prohibits more than one IRA-to-IRA rollover in a twelve month period applies both to direct and indirect rollovers. I'm finding conflicting information on this. Some say direct rollovers are unlimited, but they may be using "direct rollover" interchangeably with...
by ResearchMed
Fri Nov 09, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: HSA/HDHP vs PPO - advantages if you know you will have high costs?
Replies: 5
Views: 277

Re: HSA vs PPO - advantages if you know you will have high costs?

keepItSimple wrote:
Fri Nov 09, 2018 9:06 am
You are correct, I do mean HDHP + HSA.
You can change the title (also for others reading).
Go to your first post, see little pencil icon in upper right corner, click it to edit.

Thanks.

RM
by ResearchMed
Fri Nov 09, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: HSA/HDHP vs PPO - advantages if you know you will have high costs?
Replies: 5
Views: 277

Re: HSA vs PPO - advantages if you know you will have high costs?

I've been on my company's high cost "cadillac" PPO plan forever. This year, I've started researching my company's cheaper health plan, which comes with an HSA. Here's the comparison: HSA: Annual cost out of my paycheck: $3000 Deductible: $3000 Co-insurance: 90% Out-of-pocket maximum: $4000 Company ...
by ResearchMed
Thu Nov 08, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3412

Re: aerobic exercise: rower vs. treadmill and elliptical

Interesting comments to think about. The treadmill for me is my preferred aerobic exercise - I love running. It is just getting harder as I am getting older. I don't find the elliptical to be as good (in terms of I how fatigued I am afterwards). I am not worried about using a rower for non-aerobic ...
by ResearchMed
Thu Nov 08, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3412

Re: aerobic exercise: rower vs. treadmill and elliptical

Interesting that so many would toss the elliptical first. We've got a treadmill and an ellipical. We got rather expensive equipment, in part because of necessary specifications (rather low ceiling in lower level media/exercise room; needed adjustable stride - for shorter stride - on elliptical, etc....
by ResearchMed
Thu Nov 08, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11451

Re: If expenses are low, are some of us over saving?

$3k + housing would be pretty decent for some people, there are many living a happy retirement on less... Then there are some who imagine it being dreadful to live on twice that. I suspect an awful lot of this depends upon whether one is living in a LCOLA or a VHCOLA. It can make a huge difference....
by ResearchMed
Thu Nov 08, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 854

Re: HIPPA Information available to out of town ER or not?

My physician's office recently asked me to sign a HIPPA release authorizing them to release my medical information to other providers. The explanation for the request was that if I were out of town, and found myself in a facility such as an ER, that the staff could call my physician for any informa...
by ResearchMed
Wed Nov 07, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Anyone here retire in two homes
Replies: 24
Views: 3019

Re: Anyone here retire in two homes

My wife and I are planning for retirement. We were thinking of selling our house and buying two less expensive houses. For example, one for summer (like Lake Tahoe) and one for winter (like Palm Springs area). Has anyone done something like this? If so, what are the pros and cons? Thanks. Assuming ...
by ResearchMed
Wed Nov 07, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11451

Re: If expenses are low, are some of us over saving?

The thread on Baby Boomer savings brought this to mind. For a higher earning couple, assuming they’re debt free and have a paid off home at retirement, why not aim to have expenses be at/below the expected Social Security benefit? Assuming that’s ~$3k to cover property taxes, healthcare, food, tran...
by ResearchMed
Wed Nov 07, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Should I wait to deposit my 401k rollover check from Fidelity?
Replies: 14
Views: 836

Re: Should I wait to deposit my 401k rollover check from Fidelity?

Deposit it now. Right now. Today. Even if you leave it in a money market fund for now. You'd be amazed at just how fast sixty days can roll by, especially during holiday season. The last thing you want to do is wake up a couple of months from now and realize that you neglected to roll it in, and th...
by ResearchMed
Wed Nov 07, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 8721

Re: Long-term Care Insurance

Discussions on this thread are fascinating but I fail to understand is why would people who have amassed 7-figure asset be willing to settle for a state-assisted facility. You'd worked hard all your life and should let the fruit of your labor take care of you and your spouse/partner in your old age...
by ResearchMed
Tue Nov 06, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 8721

Re: Long-term Care Insurance

Discussions on this thread are fascinating but I fail to understand is why would people who have amassed 7-figure asset be willing to settle for a state-assisted facility. You'd worked hard all your life and should let the fruit of your labor take care of you and your spouse/partner in your old age...
by ResearchMed
Mon Nov 05, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: 401k to Rollover IRA - must liquidate - what's best way?
Replies: 4
Views: 284

Re: 401k to Rollover IRA - must liquidate - what's best way?

Hi All! First post but been enjoying this forum for a while: I have a 401k from a previous employer where I was able to allocate up to 50% in a self-directed account (for an annual $50 fee of course). I would like to move that 401k to a rollover IRA with Fidelity (at least for now as I already have...
by ResearchMed
Mon Nov 05, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5867

Re: Deal fell through and didn't get escrow money.....

It takes the listing off MLS for however long the time frame is stated between the two parties for the buyer to conduct inspection, eval, etc etc. It is separate from earnest and non refundable. Rule of thumb is 1% of listing but in a seller's market it might be more 1.5%. Counts toward purchase pr...
by ResearchMed
Mon Nov 05, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5867

Re: Deal fell through and didn't get escrow money.....

Never heard of "due diligence" money. We've just had earnest money, which was/was not refundable depending upon whether any failure to close was due to a stated contingency not being met. What is the difference between due diligence money and earnest money where you are? RM It takes the listing off...
by ResearchMed
Mon Nov 05, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5867

Re: Deal fell through and didn't get escrow money.....

Never heard of "due diligence" money. We've just had earnest money, which was/was not refundable depending upon whether any failure to close was due to a stated contingency not being met. What is the difference between due diligence money and earnest money where you are? RM It takes the listing off...
by ResearchMed
Mon Nov 05, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5867

Re: Deal fell through and didn't get escrow money.....

As a seller I'd have to be in pretty dire straits to accept an offer from a buyer that was contingent upon sale of their existing home. I definitely wouldn't accept such an offer if my house hadn't been on the market for at least 60 to 90 days without a better offer. I'd also expect the contingent ...
by ResearchMed
Sun Nov 04, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

When I sign in, I'm immediately taken to the page informing me that I've signed off and that I should close my browser just in case it retains any information about my session, so that's nice. That happened to us first thing today. Try clearing any Vanguard-related cookies. That fixed it for us. RM
by ResearchMed
Sun Nov 04, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Helping Mom after Dad died talking with financial institutions
Replies: 8
Views: 916

Re: Helping Mom after Dad died talking with financial institutions

My father recently died. I'm trying to help my elderly mom consolidate her financial accounts. I'm having a hard time being able to talk to these places. I understand their concerns when adult children come sniffing around their parents' accounts. I have POA and often times I have Mom on the phone ...
by ResearchMed
Sun Nov 04, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

Possible it was a hardware and network upgrade and the same applications are in use. I do agree an email and a twitter post would have been nice. Use the feedback and let them know for future outages. You have to tell VG not this forum to ensure the word gets back to decision makers. Good luck with...
by ResearchMed
Sun Nov 04, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

I worked in IT for 20 years. Whenever we planned for down times there were always a few that complained and some end users were so called experts. We would chuckle and laugh it off. This thread is not so different. +1 4 pages of complaining about Vanguard closing the site for one day. Maybe this wa...
by ResearchMed
Sun Nov 04, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

I worked in IT for 20 years. Whenever we planned for down times there were always a few that complained and some end users were so called experts. We would chuckle and laugh it off. This thread is not so different. +1 4 pages of complaining about Vanguard closing the site for one day. Maybe this wa...
by ResearchMed
Sun Nov 04, 2018 7:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

Deleting all "vanguard" type cookies allowed the login.

Never had to do that before.

No idea if it will continue to work, or not.

or will I need to manually delete Vanguard cookies again before all future logins...

RM
by ResearchMed
Sun Nov 04, 2018 7:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

Great start for the "new, "improved", updated software"... Well, to be fair, as far as I know nobody at Vanguard has yet said it was done and ready for public consumption. Let's let them finish before we start judging the results. Then don't invite log in attempts by posting the regular window. Kee...
by ResearchMed
Sun Nov 04, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

Systems seem to be up. Logged in via Android app, all funds appear. I did not study for noticeable changes. Coffee time in my Vanguard mug! You are lucky, I guess. I was delighted to ready what you posted, and tried to log in. Alas, although I do get the regular log in window, with regular places f...
by ResearchMed
Sat Nov 03, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

I also think being a member of a STEERING COMMITTEE is not the same as being someone receiving one of presumably many "surveys". Otherwise, "Steering Committees" would be mighty large for many organizations! RM Please take up your gripes with Vanguard, rather than me personally. This is their termi...
by ResearchMed
Sat Nov 03, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

When someone's financial information will be unavailable for a weekend, with zero notice? Not everyone is a Boglehead and constantly thinking about investments, and probably checking in online frequently. And to be blunt, the fact that so many *here* were upset/concerned that the site was suddenly ...
by ResearchMed
Sat Nov 03, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

When someone's financial information will be unavailable for a weekend, with zero notice? Not everyone is a Boglehead and constantly thinking about investments, and probably checking in online frequently. And to be blunt, the fact that so many *here* were upset/concerned that the site was suddenly ...
by ResearchMed
Sat Nov 03, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

Vanguard asked members of the Steering Committee last week what kind of notification people would like in case of the web site being down. Given that they'd informed me for weeks via the huge banner on the top of their site, I said I thought an email was unnecessary. I have logins to hundreds of we...
by ResearchMed
Sat Nov 03, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

Only 8 figure accounts got the email..... I didn't get one either!! Why do you assume we don't have an 8 or even 9 figure account, not to mention what we've got stashed at Fidelity and Schwab and TIAA? :wink: How hard would it have been to send an email to ALL account holders? Really!?? I actually ...
by ResearchMed
Sat Nov 03, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18182

Re: Vanguard website "unavailable during weekend of Nov 3"

Only 8 figure accounts got the email..... I didn't get one either!! Why do you assume we don't have an 8 or even 9 figure account, not to mention what we've got stashed at Fidelity and Schwab and TIAA? :wink: How hard would it have been to send an email to ALL account holders? Really!?? I actually ...