Search found 5798 matches

by ResearchMed
Sat Feb 24, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Ethics of selling a used car
Replies: 15
Views: 482

Re: Ethics of selling a used car

I'm preparing to sell a used vehicle. It has some issues. Some are easy to ascertain with a visual inspection / quick test drive, others may not be noticed right away. Am I ethically required to disclose all of the known issues to the potential buyer? I have purchased used cars from dealerships bef...
by ResearchMed
Sat Feb 24, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: New Dryer with Issues... Should I return it?
Replies: 11
Views: 717

Re: New Dryer with Issues... Should I return it?

I am unclear on this point: Does the sensor still operate as intended even though there is lint? Just because the repair person replaced it doesn't mean it was malfunctioning. They may have just done that to say they did something on the service visit or to humor you. You said "same thing is happen...
by ResearchMed
Fri Feb 23, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: New Dryer with Issues... Should I return it?
Replies: 11
Views: 717

Re: New Dryer with Issues... Should I return it?

Return it while you can.

It's not likely to fix itself.

Chances are you can find another machine that suits you, even if with slightly different specs than this one.

RM
by ResearchMed
Fri Feb 23, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: anonymous financial gift to student / best gift card option
Replies: 40
Views: 1383

Re: anonymous financial gift to student / best gift card option

Do you have American Express? They can provide "gift cards" (Amex branded) at no cost, unless one wants it expedited. [Or they used to.] And I'd trust them not to screw around with the amount loaded on the card. RM I do not, but SO has Amex SPG. I think they run periodic no-cost Amex gift card prom...
by ResearchMed
Fri Feb 23, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: anonymous financial gift to student / best gift card option
Replies: 40
Views: 1383

Re: anonymous financial gift to student / best gift card option

Do you have American Express?

They can provide "gift cards" (Amex branded) at no cost, unless one wants it expedited.
[Or they used to.]
And I'd trust them not to screw around with the amount loaded on the card.

RM
by ResearchMed
Fri Feb 23, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanges for Same Fund, Tax Implications, & Canceling Orders
Replies: 4
Views: 210

Re: Exchanges for Same Fund, Tax Implications, & Canceling Orders

So today, I did something dumb (currently sick & tired).... I "exchanged" (Vanguard terms) 100% V. Star fund for 100% V. Star fund (apparently, it adds a second V. Star fund into the same account). I wanted to do a 100% exchange it to a different fund. Anyone know if this will trigger taxes that I ...
by ResearchMed
Fri Feb 23, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: anonymous financial gift to student / best gift card option
Replies: 40
Views: 1383

Re: anonymous financial gift to student / best gift card option

My thought is if I felt the student was deserving of help, I would simply give a money order along with a note that the funds are intended to assist with school costs (tuition/books/etc.), and trust that the student would honor and respect that. I might also mention in the note some things that sho...
by ResearchMed
Thu Feb 22, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 32
Views: 1695

Re: Caribbean Cruise 1st timer Cash or Card?

In our experience, the "regular daily gratuities" that are somehow distributed to staff can be charged, or are charged by default. However, if one is in a category where there are Butlers, tips to those extra staff should be separate, as they don't (ordinarily?) participate in the pooled tips. We us...
by ResearchMed
Thu Feb 22, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 32
Views: 1695

Re: Caribbean Cruise 1st timer Cash or Card?

1st cruise ever. Taking whole family. Meals are included in price of cruise. How much money do you need for other stuff? Is it best to take cash or use plastic? Will be going to Cozumel, Grand Cayman, and Jamaica. If you haven't yet discovered www.CruiseCritic.com - then you might find it very help...
by ResearchMed
Wed Feb 21, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Anyone have vision problems following cataract surgery?
Replies: 3
Views: 366

Re: Anyone have vision problems following cataract surgery?

See a different ophthalmologist for a 2nd opinion. There are hundreds of things that can go wrong with cataract surgery, and you probably won't find the answer here. Yes, definitely another opinion by this time. Also, this thread will probably get locked shortly (medical question). Good luck! RM
by ResearchMed
Wed Feb 21, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5316

Re: Multiple Offer situation/should we pull our offer?

My wife and I saw and bid on a house. Our buyer’s agent informed us that after speaking with the seller’s agent, they were taking all “best and final offers” due at 5PM today. We submitted an offer at 3:30pm at $2000 over asking and that it is our best, only and final offer. At 4:30 PM we received ...
by ResearchMed
Wed Feb 21, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Any cons in splitting a large purchase between two credit cards?
Replies: 5
Views: 483

Re: Any cons in splitting a large purchase between two credit cards?

We are going on a trip and I put a the initial down payment (plane tix & hotel deposits, etc.) on my old school AmEx Blue Cash that requires an initial $6,500 before the higher cash back percentages for the Gas, Supermarket, Drug Store purchases kick in. With that payment, I hit that $6,500 mark an...
by ResearchMed
Wed Feb 21, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Balance in Marriage and Student Loans
Replies: 26
Views: 1764

Re: Balance in Marriage and Student Loans

If you are both working at the same company, and that company is in some financial distress, I'd strongly consider keeping you emergency fund nice and high. I'd keep any accelerated payoff of loans until that ER is comfortably high. It's bad enough if one spouse loses a job, but you might be at risk...
by ResearchMed
Tue Feb 20, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: OTC supplements without huge bottles?
Replies: 11
Views: 645

Re: OTC supplements without huge bottles?

This is a first-world problem, literally. I am preparing to leave for 18 months, serving a full-time mission for my church in Southeast Asia. We are not allowed to ship any medications including supplements, because the local post office will either not deliver or charge a bribe. Some of them do no...
by ResearchMed
Tue Feb 20, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: Long term experiment
Replies: 3
Views: 509

Re: Long term experiment

So me and my wife both have Roth IRAs. I am going to do a little market experiment. In mine, I am buying U.S. Growth Fund at Vanguard (ER 0.43), a managed stock mutual fund. My wife's will have the Vanguard Total Stock Fund (ER 0.04), an index fund. The accounts have similar balances and I'll add t...
by ResearchMed
Tue Feb 20, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 1913

Re: House rewiring - cost of copper

Hello gang! I'm getting a quote in the next few days to rewrite my home's electrical. For background, we purchased it 2 years ago, after it was renovated, and it was built in 1939 - so, an older home. The electrical isn't causing any issues whatsoever (knock on wood!), however when I've replaced th...
by ResearchMed
Tue Feb 20, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5316

Re: Multiple Offer situation/should we pull our offer?

My wife and I saw and bid on a house. Our buyer’s agent informed us that after speaking with the seller’s agent, they were taking all “best and final offers” due at 5PM today. We submitted an offer at 3:30pm at $2000 over asking and that it is our best, only and final offer. At 4:30 PM we received ...
by ResearchMed
Tue Feb 20, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 36
Views: 2172

Re: Seeking Cruise Suggestions

This cruise, with the Norway pre-trip, is the best cruise we have been on. Look at the photos and read the details. http://www.gohagantravel.com/BlticSeaWlsBore_2017.html The same cruise (or a similar one?), often with the Norway pre-trip, is also offered through Smithsonian Journeys. Thanks for po...
by ResearchMed
Tue Feb 20, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Alaska Cruise Suggestions
Replies: 23
Views: 1587

Re: Alaska Cruise Suggestions

I think you could do an Alaskan cruise with an infant. I've definitely seem them (although rarely) on some cruises we've been on. Some of the excursions off the Alaskan cruises not suitable for infants could be skipped. If you get a room with a balcony you can enjoy the calving glaciers, whales, pu...
by ResearchMed
Tue Feb 20, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Alaska Cruise Suggestions
Replies: 23
Views: 1587

Re: Alaska Cruise Suggestions

I think you could do an Alaskan cruise with an infant. I've definitely seem them (although rarely) on some cruises we've been on. Some of the excursions off the Alaskan cruises not suitable for infants could be skipped. If you get a room with a balcony you can enjoy the calving glaciers, whales, pu...
by ResearchMed
Tue Feb 20, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 65
Views: 5252

Re: How do I unwind this Wealthfront mess?

I'm guessing they must have something like model portfolios, and each of many investors is invested proportionally in that particular portfolio?

Otherwise... !??

RM
by ResearchMed
Tue Feb 20, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 65
Views: 5252

Re: How do I unwind this Wealthfront mess?

I see 125 different holdings in taxable. Just as a clarification, did Wealthfront do this to you? Ouch. Who would purchase 2-digit (or even 3-digit) individual stocks, unless that was "everything they had" and wouldn't get more $ for some time? Were there charges for making these purchases?? RM
by ResearchMed
Tue Feb 20, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Alaska Cruise Suggestions
Replies: 23
Views: 1587

Re: Alaska Cruise Suggestions

Wow, thank you your input. This put things in perspective for me. It's looking like it'll be tough to cruise with our infant for the next several years. I was expecting the cruise experience to be mostly in the ship. I didn't think we'd be going in and out of the ship like that. If that's the case,...
by ResearchMed
Tue Feb 20, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Paying for expedited credit card replacements?
Replies: 16
Views: 592

Re: Paying for expedited credit card replacements?

All happened to me, also with a Fidelity branded card. It was most inconvenient as the fraud surfaced the day before leaving before an 8 day cruise. I opted not to have it expedited as I would be out of the country anyway. However, they still hit me with the fee. When I called to complain, the coul...
by ResearchMed
Tue Feb 20, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Paying for expedited credit card replacements?
Replies: 16
Views: 592

Re: Paying for expedited credit card replacements?

Many years ago in college, I lost my credit card and when I called to have it replaced, they sent it to me overnight at their cost. Presumably the purpose was for good customer service and stopping me from using any other card (and in turn, continue using theirs). I have a Fidelity 2% card and my w...
by ResearchMed
Tue Feb 20, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2717

Re: Repairing Stucco: A Case of Contractor Gouging

Price fixing is when competitors collude to set prices. It doesn't apply in your situation. You were quoted a wide range of prices. Your concern is completely different. Generally, it's called priced discrimination or differential pricing, or more informally and more particular to your situation, p...
by ResearchMed
Tue Feb 20, 2018 11:48 am
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2363

Re: Blank line doubling

http://I.imgur.com/65CvTmp.jpg Line 1 Line 2 The line that appears to cause the problem is the above image [ img]http://I.imgur.com/65CvTmp.jpg[/img]. This may be a bug that should be reported to the phpBB maintainers. Does this only occur in the local group posts or are there other examples? I don...
by ResearchMed
Tue Feb 20, 2018 10:09 am
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2363

Re: Blank line doubling

I’ve noticed that when I update an older post something causers the software to repeat each embedded blank line when displayed. This doesn’t happen every time, only occasionally. The last time was months ago and I just kept changing the content until it fixed itself but I have no idea what causes t...
by ResearchMed
Tue Feb 20, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Alaska Cruise Suggestions
Replies: 23
Views: 1587

Re: Alaska Cruise Suggestions

Hi All, The last topic I started was asking for suggestions for my trip to Maui. Everyone's recommendations were so much of a help that I'm asking all of you again to help me with picking an Alaska cruise. I've browsed through Cruisecritic and read as much info as I can but it's getting to a point ...
by ResearchMed
Mon Feb 19, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9422

Re: Single People and Retirement Question

.. . the coupled often view the solo with a raised eyebrow..." What does this mean? :confused Sorry for any confusion. The coupled - people who are part of a couple The solo - people who are not part of a couple Uh, yeah. I got that part... But what's with the "raised eyebrow"?? :confused
by ResearchMed
Mon Feb 19, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9422

Re: Single People and Retirement Question

I feel fortunate. I've spent as many years coupled as I have solo (in alternating status! LOL) and have always engaged in all sorts of activities, without regard to status. It may be more of a challenge to engage solo, but life is made the richer by reaching beyond our comfort zones. IMO, life is f...
by ResearchMed
Mon Feb 19, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve trip cancellation
Replies: 6
Views: 808

Re: Chase Sapphire Reserve trip cancellation

I made a claim for a hurricane in October that forced the cancellation of a trip to NoLA. They came back to me once and asked for additional documentation but paid out the claim in about 2 months without too much hassle. Did they say to expect to wait two months? Or did you sit around wondering if ...
by ResearchMed
Sun Feb 18, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Claim by Previous Owners
Replies: 8
Views: 1030

Re: Home Insurance Claim by Previous Owners

I bought a home 4-5 months back that in which I currently live. The home is fine, but I've found some water damage in the garage wall (where an ice dam backed up) and would like to replace the drywall and ensure there is no mold present. It is possible/feasible or unheard of to request that the pre...
by ResearchMed
Sun Feb 18, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve trip cancellation
Replies: 6
Views: 808

Re: Chase Sapphire Reserve trip cancellation

Has anybody used this feature of the card? I saw online that I need to work with eclaimsline.com. How long did it take to get the claim through and receive the benefit? How much of a hassle was it? I suspect it is going to take a lot of work to get reimbursed. You might also want to ask this on Cru...
by ResearchMed
Sun Feb 18, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency costs
Replies: 22
Views: 1345

Re: Emergency costs

After reading the White Coat Investor’s post on minimizing emergency costs and about 1000 emergency fund posts, it got me thinking. What kind of an emergency am I planning for and how much does it cost? I came up with three ideas 1-immediate job loss (of either me, my spouse, or both - I’ve lived t...
by ResearchMed
Sun Feb 18, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Do you have a Japanese bath in your house?
Replies: 27
Views: 3916

Re: Do you have a Japanese bath in your house?

Soaking tubs seem to be very nice, use less water, drain quickly, fill up to your chin, but you are in a sitting position rather than laying flat like a bathtub. http://walkinbathtubsfl.com/wp-content/uploads/2015/09/Walk-In-Tub-Outward-Opening-Door-St-Croix-RH6.png I like the idea. The door is coo...
by ResearchMed
Sat Feb 17, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Question about changes to personal mortgage deductions.
Replies: 11
Views: 831

Re: Question about changes to personal mortgage deductions.

Sure. I don't think it matters really. You would add up total mortgage interest you paid, but only get to use the deduction on $750k of it. It's the total that matters, not which is first. That just seems like playing with numbers. I could be wrong, but that's my take on it. I think for existing mo...
by ResearchMed
Sat Feb 17, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5786

Re: Effect of spending money on appearance in career

I'll start by writing that I'm male. Unfortunately it does end up as a factor for men and women. I'll go out on a limb and say, in general, active and healthy looking, energetic men and women over 50 have less change of "age discrimination" all other things equal than peers who are overweight or se...
by ResearchMed
Sat Feb 17, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10081

Re: My Over $300K Vanguard Balance Disappeared?

I did not check my Vanguard account for over a week. Wow, I don't know if I check every 8-10 months. I only log in when I want to transact something. Last summer I contributed to an IRA. And last week I logged in to get my 1099's. What is there to do on a weekly basis? Some of us just make sure tha...
by ResearchMed
Sat Feb 17, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5786

Re: Effect of spending money on appearance in career

I'll start by writing that I'm male. Unfortunately it does end up as a factor for men and women. I'll go out on a limb and say, in general, active and healthy looking, energetic men and women over 50 have less change of "age discrimination" all other things equal than peers who are overweight or se...
by ResearchMed
Fri Feb 16, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) RMDs while still working?
Replies: 16
Views: 952

Re: 403(b) RMDs while still working?

My dad has two 403(b)s with Vanguard, from the same employer (one from before the transition to Newport and then a new one this year). He is over 70 1/2. The "still working" exemption, from my reading, says that you must still be contributing to the plan. Since he will now be contributing to IRA #2...
by ResearchMed
Fri Feb 16, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10081

Re: My Over $300K Vanguard Balance Disappeared?

I did not check my Vanguard account for over a week. Wow, I don't know if I check every 8-10 months. I only log in when I want to transact something. Last summer I contributed to an IRA. And last week I logged in to get my 1099's. What is there to do on a weekly basis? Some of us just make sure tha...
by ResearchMed
Fri Feb 16, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10081

Re: My Over $300K Vanguard Balance Disappeared?

3:20 pm. and the full accounts are showing again.
When this happens, this is rather typical of the timing, although it does also happen at other times.

We've just adjusted...

Once DH retires, most off this money, and perhaps all, is likely to get moved.

RM
by ResearchMed
Fri Feb 16, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10081

Re: My Over $300K Vanguard Balance Disappeared?

An update: The 403b account information just vanished again, almost "on schedule" (2:45pm on a day the market is open and will close at 4pm). RM Did you try the other link? I am curious if you get different results there. good time to test! It would exercise my theory it is a backend integration is...
by ResearchMed
Fri Feb 16, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10081

Re: My Over $300K Vanguard Balance Disappeared?

Just wanted to say "Thank You" to Beehave, Celia, Doom&Gloom, Mouses, Oneleaf, ResearchMed, and Software. Your prompt response to my post convinced me last night that it was a glitch. I think, I slept well. At 6:00 AM, I wanted to check the account but resisted the temptation. Finally, checked arou...
by ResearchMed
Fri Feb 16, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund selling price
Replies: 9
Views: 519

Re: Mutual Fund selling price

Novice question here... when I attempt to sell a MUTF it says the selling price will be at the next NAV calculated at closing which can be higher or lower than the last price. So, essentially one is selling without even knowing the price they are selling at . My question is, I am not able to specif...
by ResearchMed
Fri Feb 16, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Does the absence of need for a legacy affect your AA or SWR?
Replies: 24
Views: 1713

Re: Does the absence of need for a legacy affect your AA or SWR?

If one does not need (or want) to leave a legacy for inheritance (or any particular purpose), does that affect your asset allocation or Safe Withdrawal Rate? Is anyone in this situation and, if so, how has it affected these elements of your financial planning? Thanks for any insight. Please not tha...
by ResearchMed
Fri Feb 16, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2717

Re: Repairing Stucco: A Case of Contractor Gouging

After carefully reviewing YouTube videos on how to do it, I replaced my old 7" range hood wall vent with a new 12" one. I prepared the area such that a "stucco contractor" would be able to break away the hole to properly paper, caulk, lath, re-stucco, and re-finish in one day (5-6 hours tops for an...
by ResearchMed
Thu Feb 15, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Changing from SS Spousal to Survivor
Replies: 26
Views: 1615

Re: Changing from SS Spousal to Survivor

My sister was receiving "spousal" SS benefits from her divorced husband whom she did not keep in touch with or communicate with. When her ex husband died, my sister's "spousal" SS benefits automatically changed to "survivor" benefits & were doubled. I believe that it was a few months after his deat...
by ResearchMed
Thu Feb 15, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: How do docs treat "white coat hypertension"?
Replies: 35
Views: 2083

Re: How do docs treat "white coat hypertension"?

At our major teaching hospital, at NO clinic (primary care or any specialties) does the physician regularly take BP measures. It's someone else, but these days, it's sometimes difficult to tell quickly if it's a nurse, a nurse practitioner, physician assistant, or...? ... And as for "non-physicians...