Search found 6797 matches

by ResearchMed
Tue Aug 21, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do?
Replies: 41
Views: 2335

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

Well everyone, that excitement was short-lived. I emailed my program's academic director who quickly confirmed that I had not, in fact, met the requirements for graduating and said that he had noticed the error sometime last week and had moved to remedy it - so definitely for the best that I didn't...
by ResearchMed
Tue Aug 21, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 47
Views: 1946

Re: Co-habitation agreement - ??

Off the top of my head the only thing that really matters here is rent + utilities and (maybe) groceries and the rest could be negotiated orally as, at least to me, those seem like the only major expenses. Presumably they would keep their own cars right? Otherwise, to the extent they were taking a ...
by ResearchMed
Tue Aug 21, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do?
Replies: 41
Views: 2335

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

I’m facing a situation which, to the best of my Googling ability, is pretty unusual. It’s also the type of dilemma that probably has a clear solution but I thought I’d at least air it out before acting. In brief, I’m a military reservist and master’s student at a well-regarded American university. ...
by ResearchMed
Tue Aug 21, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 47
Views: 1946

Re: Co-habitation agreement - ??

What about if/when they split or she doesn't want him to live there anymore? She shoule make SURE that she checks the landlord/tenant laws in her state. I had a friend who was caught in a nightmare when the woman living with him fought the breakup (at least he found out what she was like before gett...
by ResearchMed
Mon Aug 20, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: 1-2 year high growth mutual fund
Replies: 3
Views: 233

Re: 1-2 year high growth mutual fund

https://www.kiplinger.com/tool/investing/T041-S001-top-performing-mutual-funds/index.php Wanted to know anyone's recommendation on a 1-2 year mutual fund to invest in. Only looking for a short term investing. Thanks! The link is for PAST short term returns, and also longer term, of course. There is...
by ResearchMed
Mon Aug 20, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 84
Views: 3846

Re: Excessive Emergency Room Charges - Options?

Much much less. An ultrasound should not cost more than $200. You went to the ER and had an ultrasound; you did not go to a doctor's office and have an ultrasound. Do NOT know the answer - but on occasion one of my doctors orders an ultrasound and one choice was to have it at a local hospital (norm...
by ResearchMed
Mon Aug 20, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: How much clothing do you need to get by?
Replies: 13
Views: 987

Re: How much clothing do you need to get by?

My substantial weight loss has necessitated that I replace almost my entire wardrobe. No one would have ever called me obese, but my above average height is a good concealer. I've arrived at a good BMI and switched my fitness/app/diet/exercises goals from "lose a bunch of weight" to "maintain weigh...
by ResearchMed
Mon Aug 20, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 84
Views: 3846

Re: Excessive Emergency Room Charges - Options?

I once had an ER visit where the attending came in towards the end (after the resident treated me), checked on how everything was going, and then billed my insurance $250 for that minute. Residents can’t bill. The attending takes total responsibility and liability for your care. The resident is the...
by ResearchMed
Mon Aug 20, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 86
Views: 8320

Re: Is a million really the benchmark for retirement

What matters is your expenses in retirement. If you plan to spend $100k a year, and have no pension, and $20k coming from Social Security, $1 million will not be enough. If you plan to spend $50k a year, have a $40k pension, and $20k coming from Social Security, you don't need to save a cent. Start...
by ResearchMed
Mon Aug 20, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Odd credit issue? (took out loan for ring and credit drops 90 pts?)
Replies: 15
Views: 912

Re: Odd credit issue? (took out loan for ring and credit drops 90 pts?)

Make sure you get insurance on that rock. Safest place is on her finger. With OP's resources, he can replace it in a heartbeat. There are a few threads about insuring jewelry but it's generally not worth it and often does not cover "mysterious disappearance" (as opposed to getting broken into or ge...
by ResearchMed
Mon Aug 20, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: File a claim for $750 worth of car damage?
Replies: 17
Views: 757

Re: File a claim for $750 worth of car damage?

My friend Adam lent his car to Beth. Beth bumped into a pole and ended putting a deep scratch into one of the doors. Adam & Beth got an estimate to repair the damage and the body shop said they'd have to repaint the door and it would cost $750. Adam's insurance deductible is $500. Should Adam file ...
by ResearchMed
Mon Aug 20, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Odd credit issue? (took out loan for ring and credit drops 90 pts?)
Replies: 15
Views: 912

Re: Odd credit issue? (took out loan for ring and credit drops 90 pts?)

With an 800 FICO score, it will be a negligible effect on your credit whether you pay it off full or monthly or at the end. There's just so much room for improvement and you're already at the top. Contrary-wise, because you have a high score, a sudden increase of $20k to your revolving utilization ...
by ResearchMed
Mon Aug 20, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 46
Views: 4014

Re: Credit Card Fraud - $30K

Credit info can be released, even if frozen, to entities that have an existing relationship with you. I.e., American? Except that American isn’t the creditor here. The banks issuing cards that produce AAmiles are Citi and Barclays, and just because you have a relationship with one doesn’t mean you ...
by ResearchMed
Mon Aug 20, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Establishing Residency as College Tuition Strategy
Replies: 16
Views: 744

Re: Establishing Residency as College Tuition Strategy

I live in a state with expensive in-state tuition costs (Illinois) and many of my friends with college age kids are sending them out of state to Iowa or Wisconsin and telling me OOS tuition is cheaper than in-state Illinois tuition. I looked up one school that I think my youngest will be interested...
by ResearchMed
Sun Aug 19, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Homeowners Insurance
Replies: 3
Views: 375

Re: Question on Homeowners Insurance

Folks, Need some guidance on the amount and coverage details for homeowners insurance. We're first time home buyers and our buying a new construction townhome. Looks like the HOA insurance covers the exterior and some part of the interior (e.g. cabinets, original appliances): "The common elements, ...
by ResearchMed
Sun Aug 19, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: "Cognitive Biases Tricking Your Brain" (The Atlantic, Sept 2018)
Replies: 4
Views: 891

Re: "Cognitive Biases Tricking Your Brain" (The Atlantic, Sept 2018)

I’m not sure if that experiment is a great example of present bias. Perhaps people know that waiting a month provides the higher return, but maybe they are cash strapped and need that money now. Would be better if they did the experiment only with rich people. Also, that $30 in the first example is...
by ResearchMed
Sun Aug 19, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: "Cognitive Biases Tricking Your Brain" (The Atlantic, Sept 2018)
Replies: 4
Views: 891

"Cognitive Biases Tricking Your Brain" (The Atlantic, Sept 2018)

I just came across this, and it starts with a financial example:

https://www.theatlantic.com/magazine/ar ... as/565775/

It seems to be available without a paywall.

RM
by ResearchMed
Sun Aug 19, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Transferring institutional class shares from 401k to Vanguard?
Replies: 8
Views: 560

Re: Transferring institutional class shares from 401k to Vanguard?

My wife holds Vanguard institutional class share funds in a Fidelity Roth 401k. If she transfers it out to a Vanguard Roth IRA (allowed by plan), can she keep and continue to add to the institutional class or will Vanguard revert it to an Admiral share class? Thanks. My understanding has been that ...
by ResearchMed
Sun Aug 19, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 45
Views: 2667

Re: Best (most practical, low cost) Luggage for Airline Travel

( I'm a luggage contrarian. Roller luggage is dumb for several reasons: . . . Somebody up-thread mentioned Osprey travel backpacks. The Farpoint 40 is great for up to a week and is carry-on legal. I use mine all the time. The larger Farpoint 55 is huge and is great for extended trips. Other manufac...
by ResearchMed
Sun Aug 19, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 4460

Re: Your major and investing/finance?

I'm an intelligence professional...and have a Masters of Science in Strategic Intelligence. My studies were very heavy on logical fallacies, cognitive biases, and "thinking about thinking". I was drawn to Boglehead-ism (even before my studies) due to strength of the academic support and the logic-o...
by ResearchMed
Sat Aug 18, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 4460

Re: Your major and investing/finance?

Economics. I don’t know about correlations to specfic majors, but a big chunk of the mistakes that I see on the forum are due to innumeracy. If you don’t have a basic understanding if math and statistics, it leads to bad financial decisions. Which is not be say that everyone who understands numbers...
by ResearchMed
Sat Aug 18, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 45
Views: 2667

Re: Best (most practical, low cost) Luggage for Airline Travel

This wouldn't be "low coast", but in terms of ease of use... Earlier this year at a conference, instead of a "goodie bag of assorted stuff" from sponsors, each attendee was given a good sized hard-sided 4-wheel Rimowa suitcase. The suitcase itself was "nice", but nothing truly special. However, the ...
by ResearchMed
Sat Aug 18, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2027

Re: Soap for hand washing dishes

SanityCheck wrote:
Sat Aug 18, 2018 4:24 pm
Use "Dawn Ultra"......much better than "Original" !!
Thanks.
We'll give it a try.
In general, once we find a product that "works great", we don't tend to keep trying others. Yup, that means we might not find "THE Ultimate <X>".
But it keeps us satisfied and happy. :happy

RM
by ResearchMed
Sat Aug 18, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Question on taxation on sale of unbuilt coop apartment share
Replies: 1
Views: 129

Re: Question on taxation on sale of unbuilt coop apartment share

Haven't been able to find the answer to this one. I paid for an apartment (actually a "share") in a new coop apartment building that is just beginning construction. Shortly afterwards, I decided to sell my apartment (coop share) and was charged a fee of $500 by the coop developer. Obviously, I neve...
by ResearchMed
Sat Aug 18, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Diversification
Replies: 13
Views: 739

Re: Diversification

I never understood the logic that in order to prove one is diversified is to have a fund or two losing money for the year as others are making money in terms of fund appreciation in fund price. If this is correct....why? If all are in positive territory at any given point in the year....then you ar...
by ResearchMed
Sat Aug 18, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: Diversification
Replies: 13
Views: 739

Re: Diversification

I have never heard anyone assert that some of your assets have to lose money (in a year) in order to prove you are diversified. Can you provide a link to such a statement? Ditto. In fact, I "understood" that diversification would mean that some funds/asset classes would "perform better than others"...
by ResearchMed
Sat Aug 18, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 46
Views: 4014

Re: Credit Card Fraud - $30K

Sorry about your predicament. My first thought was whether the hackers were able to ascertain this was a rarely used card with a high credit limit, and targeted it for that reason? I know there are lots of Bogleheads that churn credit cards for bonuses, but one reason that I don’t is because more c...
by ResearchMed
Sat Aug 18, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2027

Re: Soap for hand washing dishes

GoldenFinch wrote:
Sat Aug 18, 2018 1:51 pm
Dawn.

*Too bad we can’t have a poll (lol).
I think we are in the midst of one, and we have ... a winner :D

RM
by ResearchMed
Sat Aug 18, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2027

Re: Soap for hand washing dishes

I use Dawn. Original formula. If it works for animals covered in oil from oil spills, it is fine for me. +1 Dawn has got to be the best soap ever invented. Also works wonders for cleaning prescription eyeglasses. I used to buy the cheapo liquid dish soap but over a year ago got a bottle of Dawn on ...
by ResearchMed
Thu Aug 16, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 5792

Re: Terminating an employee with company car

Update: I got up early and came to the office at 6:45am. I boxed his personal belongings up. I texted my other employees and told them they could come in a little later. At 8am, he came in and we talked before he had time to go to his desk. It was a short conversation, not hostile. I allowed him to...
by ResearchMed
Thu Aug 16, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Wife turning 65. Need to enroll in medicare?
Replies: 6
Views: 793

Re: Wife turning 65. Need to enroll in medicare?

I have zero official knowledge of this. But my understanding is this. She doesn’t have to come off your private insurance, but there’s no point in staying on it bc all private insurance policies are secondary to an available government insurance claim. I’m not aware of any law that would prevent an...
by ResearchMed
Thu Aug 16, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Lock Suitcases on International Flight or Not?
Replies: 24
Views: 1590

Re: Lock Suitcases on International Flight or Not?

Nobody locks checked luggage on any flight. Worry about something important... We do. What’s the downside? We each keep a key. You have a key, the TSA or other security doesnt. They use bolt cutters when they check the contents! Isn't that only when you don't use TSA-compliant locks? If you do, the...
by ResearchMed
Thu Aug 16, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1562

Re: Mail order pharmacy

Humana allows you to reorder your 90 day meds after two months from your initial fill. So does our Kaiser plan. Makes it very, very convenient. I think this is a common option; so does my Aetna Part D plan. Also, many posters seem to think that 90 day meds are only an option if you mail order. I ha...
by ResearchMed
Thu Aug 16, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Barclay Card with American Airlines
Replies: 7
Views: 336

Re: Barclay Card with American Airlines

I have one but I don't think it's No Foreign Transaction fee. So I use my Capital One card outside the US. They both have chips but no PIN by default. So I had to use my ATM card (which does have a PIN) to buy a pass for the vaporettos in Venice earlier this month... Ouch... good point. We totally ...
by ResearchMed
Thu Aug 16, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1562

Re: Mail order pharmacy

We also don't want our meds sitting in hot trucks or mis-delivered, etc. Objectively, how big a risk is this type of thing? Obviously, It would depend on the drug. The one that I had a problem with states on the package "store between 59F-77F" That temperature range can easily be exceeded on either...
by ResearchMed
Thu Aug 16, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Barclay Card with American Airlines
Replies: 7
Views: 336

Barclay Card with American Airlines

We each got a form on a recent AA flight to sign up for their BarclayCard. We didn't previously even know AA had a BarclayCard. We think that we can get the signup bonus points, because it isn't a CitiCard; we'll see. But we think BarclayCard *might* have a real "chip & pin" card. Is that true? We'd...
by ResearchMed
Thu Aug 16, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1562

Re: Mail order pharmacy

We also don't want our meds sitting in hot trucks or mis-delivered, etc. Objectively, how big a risk is this type of thing? That depends upon the meds. Some are very temp sensitive, and arrive in cold packs, even from the local pharmacy. These probably wouldn't be available by mail order, so the is...
by ResearchMed
Thu Aug 16, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Anyone try to tax loss harvest and fail?
Replies: 12
Views: 981

Re: Anyone try to tax loss harvest and fail?

aristotelian wrote:
Thu Aug 16, 2018 10:21 am
You can always check the market near closing time and then place or cancel your order.
If you are placing mutual fund orders at Vanguard, no cancellations allowed.

RM
by ResearchMed
Thu Aug 16, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1562

Re: Mail order pharmacy

Some local pharmacies deliver, often at no charge. If they accept your insurance, then the convenience wouldn't "cost". We also don't want our meds sitting in hot trucks or mis-delivered, etc. Our insurance at CVS suddenly started filling ongoing Rx's with 90 day amounts. However, the savings for ge...
by ResearchMed
Wed Aug 15, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 5792

Re: Terminating an employee with company car

Definitely thought I was about to read a story about you running over an employee with a company car. Glad no one was hurt, but this is less interesting. Apply $500 of credits to the employee's Uber account. :shock: Well, that's one way.....!! Seriously, the Uber credit is another way. IF it were m...
by ResearchMed
Wed Aug 15, 2018 10:11 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to tax loss harvest and fail?
Replies: 12
Views: 981

Re: Anyone try to tax loss harvest and fail?

As I understand, when you buy, sell or exchange mutual funds you will get the closing price of that day or if the order is put in after 4pm EST, the next business days closing price. Has anyone tried to tax loss harvest (TLH) relatively small amounts and had the fund close at the end of the day or ...
by ResearchMed
Wed Aug 15, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 5792

Re: Terminating an employee with company car

Just be a decent human being about it. If you want you could drive him/her home. And return with the car. Give them some respect & dignity. I've had to do it & it isn't fun If I was just terminated unexpectedly, I don't think I would want to have the awkwardness/unpleasantness of sitting next to th...
by ResearchMed
Wed Aug 15, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 5792

Re: Terminating an employee with company car

You might want to allow the employee time to clear out any personal possessions.

If you prefer, you could have Security accompany the employee, the way some places have Security watch while employee clears personal possessions from an office, etc.

RM
by ResearchMed
Wed Aug 15, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 96
Views: 11231

Re: Warning: avoid Windows 10 update 1803

I had that problem previously with the ultra-long time needed for that update. Since then, including in the past few days, these types of updates/re-starts have taken almost no time. However, that may/may not be the same on other computers... RM Thanks but its not the 'time' to update, the update i...
by ResearchMed
Wed Aug 15, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 96
Views: 11231

Re: Warning: avoid Windows 10 update 1803

Strange....so sitting here working and this pops up....anyone else having this issue? I had set updates to manual....now changed to disabled. Unless someone here can verify this 'update' is safe and won't have the negative effects it had this past Spring?? https://s15.postimg.cc/e0xguvyrf/update.jp...
by ResearchMed
Wed Aug 15, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 57
Views: 4692

Re: Men’s Underwear recommendation

DH got some Bjorn Borg (boxer/briefs?) when we were in Norway. He finds them so comfortable that he bought more when we got home. (Easily available online.) They are *very* soft cotton, and I'm not quite sure what to call the style/cut. (Don't mistake the similar style workout shorts. Those are tot...
by ResearchMed
Wed Aug 15, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 57
Views: 4692

Re: Men’s Underwear recommendation

DH got some Bjorn Borg (boxer/briefs?) when we were in Norway. He finds them so comfortable that he bought more when we got home. (Easily available online.) They are *very* soft cotton, and I'm not quite sure what to call the style/cut. (Don't mistake the similar style workout shorts. Those are tota...
by ResearchMed
Wed Aug 15, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4820

Re: How often do you check your brokerage accounts

I look at my total balance daily just to make sure nothing funny is going on. Got a voice mail yesterday from my financial advisor at Fidelity wanting to know why I had moved my money out of Fidelity. I had not made any such move, and knew from having checked my balance that morning everything was ...
by ResearchMed
Tue Aug 14, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2360

Re: What's the reason you would buy reading glasses at...

How do these mail order type places get the pupil positioning just right, and especially both of them at the same time? In the past, without extra care, I've had trouble with what even some "in person" shops do. Each eye is *great*, near and far, etc. (although not always, alas). But both together, ...
by ResearchMed
Tue Aug 14, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Should I be worried about potential identity theft? Bizarre email/name mix up?
Replies: 16
Views: 960

Re: Should I be worried about potential identity theft? Bizarre email/name mix up?

From good old Google: " Macy's is reportedly investigating a phishing scam that uses a fake Macy's delivery email notification for what is usually a non-existent order. " This particular post is about 2 years old, but if this is "out there", no surprise if it's still being recycled. Or they could ju...