Search found 6163 matches

by ResearchMed
Wed May 23, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Need help with debt strategy
Replies: 36
Views: 1141

Re: Need help with debt strategy

The money is in a mutual fund (HCTAX) through an advisor at Securities America. When you say "where my money should be" are you implying I should get an investment advisor? Nooooo! :shock: I was concerned you already were paying an advisor, and perhaps some other fees, too. I'm not familiar with Se...
by ResearchMed
Wed May 23, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Additional Liability of Getting Married (Protecting Taxable accounts)
Replies: 6
Views: 379

Re: Additional Liability of Getting Married (Protecting Taxable accounts)

Law school will definitely put a dent in that brokerage account. My law school was like $30K per year when I went less than 10 years ago and it is now $50K+ per year just for tuition. Seems like a pre-nupt or, alternatively, a post-nupt, would be a good idea for you guys. It's a state-specific thin...
by ResearchMed
Wed May 23, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Need help with debt strategy
Replies: 36
Views: 1141

Re: Need help with debt strategy

UPDATE: The loans are not due but I must start payments on that date. Second, I started the ROTH through a friend of a friend. I will not touch the money for debt payment and move as soon as I find a fund that looks good. Thank you to everyone who has contributed, it is exciting getting so much gre...
by ResearchMed
Wed May 23, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Car wreck insurance settlement
Replies: 19
Views: 1175

Re: Car wreck insurance settlement

Ask friends and maybe nextdoor.com for a lawyer referral I read on here that you might expect a settlement of 3x the medical bills. 1/3 of that repays your insurer Do you mean 1/3 pays your attorney? The insurer shouldn't be getting a percentage contingency...? RM The insurer already owns part of a...
by ResearchMed
Wed May 23, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Need help with debt strategy
Replies: 36
Views: 1141

Re: Need help with debt strategy

I don't know where to start with my debt and have struggled with finances my entire life. I am looking for advice on how to tackle my debt in the best way possible. Any information is helpful, thank you in advance. My background information is as follows: *29 Year old male in CA graduating this May...
by ResearchMed
Wed May 23, 2018 6:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2615
Views: 496615

Re: What's Your Credit Card Rewards Strategy?

My credit card rewards strategy does not work. My son's: "Dad, you save money by not spending. " does. My inlaws: "Going broke saving money" is so true. Credit cards rewards is like picking up pennies in front of stream rollers. I learned my lesson with Fidelity 2% cash back card as well with Bank ...
by ResearchMed
Wed May 23, 2018 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Car wreck insurance settlement
Replies: 19
Views: 1175

Re: Car wreck insurance settlement

boglerdude wrote:
Wed May 23, 2018 12:12 am
Ask friends and maybe nextdoor.com for a lawyer referral

I read on here that you might expect a settlement of 3x the medical bills. 1/3 of that repays your insurer
Do you mean 1/3 pays your attorney?

The insurer shouldn't be getting a percentage contingency...?

RM
by ResearchMed
Tue May 22, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Have Annuity Rates Gone Up?
Replies: 15
Views: 1582

Re: Have Annuity Rates Gone Up?

I confess I probably don't understand "mortality credits." This is just a way for the insurance company to continue paying those who live past the age where the original investment's return and principal has been exhausted? Another way of saying it is that you get higher payments as a benefit from ...
by ResearchMed
Tue May 22, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1327

Re: Difficulty with Parents-In-Law

Couple of things from the recent posts: 1. My Dad didn't suggest I reach out to them about it. He is just very open about his and my mother's finances, so I was just them using as a counterpoint. 2. My FIL showed me the investments and what they were without my prompting. But when I dug in and poin...
by ResearchMed
Tue May 22, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1327

Re: Difficulty with Parents-In-Law

Your MIL "refuses to share" with you her OWN financial information. That is her right. Period. IF your wife needs to discuss such things with *her* parents, and they wish to do that, that's up to all of them (but it sounds unlikely). Unless they are so far gone mentally that you would be able to get...
by ResearchMed
Tue May 22, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Have Annuity Rates Gone Up?
Replies: 15
Views: 1582

Re: Have Annuity Rates Gone Up?

I confess I probably don't understand "mortality credits." This is just a way for the insurance company to continue paying those who live past the age where the original investment's return and principal has been exhausted? Sort of, but not quite. Brief summary of how it works: The payments (payout...
by ResearchMed
Mon May 21, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 47
Views: 4480

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

Seems to be some confusion. I inquired about nursing homes, being admitted as private pay instead of on Medicaid. Assisted living facilities are not nursing homes, and it is not typical that Medicaid covers assisted living expenses. For the most part, assisted living facilities are private pay faci...
by ResearchMed
Mon May 21, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Have Annuity Rates Gone Up?
Replies: 15
Views: 1582

Re: Have Annuity Rates Gone Up?

You can also check SPIA payout rates at

www.immediateannuities.com

RM
by ResearchMed
Mon May 21, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1058

Re: Older iPhone text msgs disappear

Thanks so much for all of these suggestions. I'll have to ask DH about a few of these things. Perhaps he IS the Gremlin after all :D I know he's checked and re-checked the iPhone, *and* at least about the "lack of any notification" [but before we noticed about the "ding" with 2nd and subsequent arri...
by ResearchMed
Mon May 21, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1058

Re: Older iPhone text msgs disappear

Seems like this type of problem has been occurring for a while now. You likely have a mischievous ghost living in your phone, likely a reflection of the previous owner. https://discussions.apple.com/thread/5503256 More than once, Apple "geniuses" F*, Scr* messed up settings on my phones. I won't le...
by ResearchMed
Mon May 21, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1058

Re: Older iPhone text msgs disappear

One odd pattern we just noticed, about initial notification that a text message arrived. The FIRST incoming text message from X does NOT give any indication it arrived. No ding. No copy displaying (briefly or longer). No little "number of messages waiting" showing. However, IF there is a "conversati...
by ResearchMed
Mon May 21, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 47
Views: 4480

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

In my mother's case they wanted to know every asset she had or transferred in the past 5 years. As far as a facility giving away your bed when you are in the hospital, I'm sure some will try anything. I'd have an attorney calling them real fast. The ones we've spoken with never asked about transfer...
by ResearchMed
Mon May 21, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 1670

Re: Pimco PONAX beating VWIAX Wellesley ~~ too good to be true?

Speak english - what is PONAX? Pimco what? the corporate entity? You need to spell out the names of the funds, most folks are not going to bother looking it up. PONAX is the flavor of the bond income fund that replaced PONDX, which is "gone".. Institutional class is PIMIX. Pimco waived the PONAX lo...
by ResearchMed
Mon May 21, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1058

Re: Older iPhone text msgs disappear

By the way, thanks for ALL of the above.
We'll be returning to the Genius Bar, and I'll bring along a few of these comments to see if that jars some neurons anywhere...
:happy

RM
by ResearchMed
Mon May 21, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1058

Re: Older iPhone text msgs disappear

How are your Notifications set up for Messages? It seems you are allowing notifications. Banners will show up and then disappear, Alerts will stay on the screen until action is taken. You can also set them to show on the Lock Screen. This is how version 10.x.x works. Version 11.x.x also gives the s...
by ResearchMed
Mon May 21, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1058

Re: Older iPhone text msgs disappear

Just an idea - see if there are any other computers/phones/etc that might be somehow receiving the text messages and marking them as read. Maybe your old blackberry is still connected to your phone number in some way for example. Do you have iMessages on or off? I would try it the opposite of whate...
by ResearchMed
Mon May 21, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 47
Views: 4480

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

Even those with the ability to self insure, a long tail yearly claim of 100,000 in today's dollars for 10 or more years is a very tough pill to swallow. I can't speak to Alzheimer's but have experience with full nursing care. At least in my area, if you choose a facility that accepts Medicaid you n...
by ResearchMed
Mon May 21, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1058

Re: Older iPhone text msgs disappear

The only thing I can think of is the keep message setting in Settings->General->Messages but I assume the people at Apple has already looked into it. Yup. We already had that set "right". It's a weird disappearing semi-pattern, regardless of that setting. That's especially perplexing. Note: Althoug...
by ResearchMed
Mon May 21, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1058

Older iPhone text msgs disappear

My BlackBerry finally died, and DH has been encouraging me to "try an iPhone" and move into the modern era, etc. (I *liked* the BB keyboard. A lot.) So... we had Apple set up his older one with my phone number. I'm slowly getting used to it, but I still prefer my old BB, although the model I had is ...
by ResearchMed
Sun May 20, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Pay TV scams?
Replies: 3
Views: 670

Re: Pay TV scams?

We never had any form of pay TV. My elderly spouse was in an assisted living home for two years and is completely bed-bound and unable to use his hands. He spent all his waking time with the TV on, watching, or dozing through, Cable News. I recently brought him home, with the assistance of Hospice,...
by ResearchMed
Sat May 19, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investments that are unique *and* sensible?
Replies: 12
Views: 1307

Re: Investments that are unique *and* sensible?

Like a lot of people who follow the markets and find the way they function both fascinating and reassuring, I find it intriguing when sensible investments are able to prosper based on their uniqueness rather than by offering analogous features at a slightly better price. I can think of three invest...
by ResearchMed
Fri May 18, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Cinque Terre, Italy private boat tour
Replies: 7
Views: 840

Re: Cinque Terre, Italy private boat tour

Cruise wrote:
Fri May 18, 2018 9:28 pm
It’s been awhile, so the details escape me, but when we visited, we had a nice journey on a coastal ferry. Not private, but wonderful.
Thanks very much.

This might work well, especially if we have difficulty with something private.
I'll look into it.
How long ago were you there?

RM
by ResearchMed
Fri May 18, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Cinque Terre, Italy private boat tour
Replies: 7
Views: 840

Cinque Terre, Italy private boat tour

We'll have one day in Cinque Terre next May, during a cruise stop. This particular port of call is the "most special" for DH, so I'd like to arrange a * private* boat tour . We'll be docking in La Spezia. Any recommendations would be terrific. (We might spend some time on land also, but the prime go...
by ResearchMed
Fri May 18, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60
Replies: 104
Views: 6517

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

We recently got the XC60 for my wife and love it. The safety, tech and look are superior to the others you named IMO We test drove one yesterday. We liked it a lot. But...no Overseas Delivery. I think we are going to wait to see if by chance they bring it back. <crossing fingers> We did OSD last ye...
by ResearchMed
Fri May 18, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Locking a tote bag?
Replies: 11
Views: 524

Re: Locking a tote bag?

Thank you so much, I think that bag looks like a possible solution. Any bag with a double zipper pull should work. And there are more and more of these (perhaps for this reason?). There are lots of tiny locks, but for this type of purpose, we find a little combination lock better... no chance of lo...
by ResearchMed
Fri May 18, 2018 3:30 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60
Replies: 104
Views: 6517

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

We recently got the XC60 for my wife and love it. The safety, tech and look are superior to the others you named IMO We test drove one yesterday. We liked it a lot. But...no Overseas Delivery. I think we are going to wait to see if by chance they bring it back. <crossing fingers> We did OSD last ye...
by ResearchMed
Wed May 16, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4538

Re: somebody is using our address

Could be related to credit card fraud. The mailing addresses fraudsters use to get their stuff are tracked by credit card companies and shared. They need new addresses so might use someone else's for a while. Doubt there's any liability per se but not ideal to have these folks mulling around. Good ...
by ResearchMed
Wed May 16, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4538

Re: somebody is using our address

What about the chase issue? he opened some kind of account there using our addressand his name. what is this fraud about? Notify them, too. AND send back the "no one of that name..." Chances are they won't be amused, if there are charges being run up. You want to make sure that you are right from t...
by ResearchMed
Wed May 16, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4538

Re: somebody is using our address

He doesn't want his wife to find out what he's ordering online? :happy I would contact USPS and tell them no mail or packages should come to your address in any other name but yours. I don't know if they can stop that or make that happen. But, that's where I would start. Actually, I'd also tell the...
by ResearchMed
Wed May 16, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4538

Re: somebody is using our address

Somebody showed up at our home couple of weeks ago and told us that he lives a block away used our address by mistake. When we asked questions about his address it contradicted his hand gesture so we cut the conversation short and called the cops right away. it turns out that he went to jail in the...
by ResearchMed
Wed May 16, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: ?$ Bid for Upgrade to Business Class (per flight hour)
Replies: 15
Views: 1049

Re: ?$ Bid for Upgrade to Business Class (per flight hour)

Being a BH deep down inside I feel gypped when I travel Business Class, but given my age, mid 70s, I now resign to being ripped off. Context: Myself and DW have an intercontinental trip coming up and have already coughed up $10k just for the long flight legs in Business Class. Missing leg is a dayt...
by ResearchMed
Wed May 16, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 5988

Re: Neighbor wants to use our land temporarily - let them or not?

I wouldn't worry about liability. I don't see that you have any more or less liability for a vacant lot than you do all of the other months you own the land as an absentee owner. I'm not familiar with vacant lots being manicured and needing mowed. Is this common in FL? In my experience, vacant lots...
by ResearchMed
Wed May 16, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8840

Deleted - answer found

Deleted... I found the answer.

RM
by ResearchMed
Tue May 15, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Three sump pumps?
Replies: 10
Views: 954

Re: Three sump pumps?

You are asking about replacing a sump pump with a combo unit (primary and backup)? Or you are asking about *adding* this combo to an existing sump pump? I have an existing primary and backup installation in my current pit, like in this picture: http://www.uswaterproofing.com/services/residential/bo...
by ResearchMed
Tue May 15, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Term life-is this reasonable price?
Replies: 10
Views: 883

Re: Term life-is this reasonable price?

I have been searching for term life insurance for quiet sometime. I don't qualify for exceptional rate because of medical reasons. Recently, I got a quote for 135 USD/month with AIG (standard non-tobacco) for 20 years for 1 million. Is this acceptable price? Thanks for your inputs! If you've got me...
by ResearchMed
Tue May 15, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Three sump pumps?
Replies: 10
Views: 954

Re: Three sump pumps?

Hi all - At my previous house (~2K sq ft), I had a standard 22gal sump pump pit. The drainage was bad, and power would go out regularly during heavy storms, so I had a primary, and battery-backup, pump. When the battery-backup pump needed to be replaced, I installed a combo https://www.basementwatc...
by ResearchMed
Tue May 15, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60
Replies: 104
Views: 6517

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

My wife and I have been doing a lot of research on vehicles and we are planning on test driving these 3 SUV's next weekend. She wants a two row luxury SUV with a lot of the new safety features, but still wanted to get decent gas mileage. I would think the Lexus would be the best as far as reliabili...
by ResearchMed
Tue May 15, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 5988

Re: Neighbor wants to use our land temporarily - let them or not?

We own a residential lot in a resort area of Florida affected by Hurricane Irma.. We do not live in Florida. Received a call from a neighbor for permission to use our land to store materials and forklifts for their new tile roof. Hurricane destroyed it. Would you give permission? Liability concerns...
by ResearchMed
Tue May 15, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant/Landlord Question
Replies: 12
Views: 1053

Re: Tenent/Landlord Question

I rent my condo in Florida out to a fine tenant. She has been living there five years and we have had a great relationship. Her lease expires Nov. 1. I will be retiring this year, and therefore cannot renew her lease. Does anyone know how far in advance I am required to tell her that I will not be ...
by ResearchMed
Tue May 15, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: Helping someone with Cancer
Replies: 21
Views: 1307

Re: Helping someone with Cancer

Hi Everyone, Sadly I just found out that a former and very close co-worker of mine has come down with stage 3 cancer. She's a young mother of 2 (literally had her 2nd baby a couple weeks of ago). She's having surgery this Friday and will undergo chemo afterwards. I'd like to do something for her an...
by ResearchMed
Mon May 14, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market instead of bond fund
Replies: 40
Views: 4969

Re: Vanguard Prime Money Market instead of bond fund

Don't rising rates help holders of bond funds if shares are held past the duration period? I thought that's what Vanguard says. The problem/question refers to what happens prior to that (which could take years, depending upon duration of fund). I *hate* the "explanation" that "... and if you wait <...
by ResearchMed
Mon May 14, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 81
Views: 4323

Re: keyless ignitions and carbon monoxide

Both of our cars have keyless start, as in you don’t need to put a key in the ignition. As long as the fob is in the car, you just press a button to start — and stop — the vehicle. My car lets the driver get out of the car, with or without the key fob, without turning it off and without giving any ...
by ResearchMed
Mon May 14, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 219
Views: 34727

Re: How to Minimize Your Emergency Care Expenses

I got a real lesson in why medical facilities don't want you taking a taxi or bus home by yourself from a procedure where you had amnesiac sedation when I accompanied a friend for her colonoscopy. After the procedure, she was awake and chatty. The doctor came in and told us that everything looked g...
by ResearchMed
Mon May 14, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Buying Audi 6 in Germany
Replies: 7
Views: 851

Re: Buying Audi 6 in Germany

In years past, it was a "better deal", but still really only made sense IF one wanted to take a trip overseas *anyway*. But even then, and especially now, the "best value" of overseas delivery is if one wanted to spend more time there and would have needed to rent a car for an extended time. Then th...
by ResearchMed
Sun May 13, 2018 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market instead of bond fund
Replies: 40
Views: 4969

Re: Vanguard Prime Money Market instead of bond fund

To improved the liquidity of bond investments, near future additions to fixed income should be in short duration funds, particularly for those with needs possibly in the next 10 years or less When interest rates stabile for a year or so, the principal value of the fund should catch up. Putting new ...