Search found 7593 matches

by ResearchMed
Mon Dec 17, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 180
Views: 10533

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Over the phone, the nice folks I talked with didn't seem to think that they disqualify or even have exclusions for many policies of folks who are 75 or older. We haven't applied, since we don't have a trip purchased yet and probably won't buy one unless the prices fall (right now they're quite high...
by ResearchMed
Sun Dec 16, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 37
Views: 2295

Re: Airbnb as side gig

Hi, Although you have had many dissenters here, it all depends. My mother in law rock five Airbnb units, and yes they're older than us. We also, Airbnb our basement because we saw the benefit. There is a deadbolt and locked fire door between two spaces. The Airbnb is an 800 sq ft space with two bed...
by ResearchMed
Sun Dec 16, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 982
Views: 105693

Re: [What TV Show Have You Recently Watched?]

Try the British version of House Of Cards. That was terrific. Although now dated I still like it much better than the US version. Ian Richardson's delivery of his tagline, "You might very well think that; I couldn't possibly comment." is priceless. The Handmaid's Tale , on hulu. It took a few episo...
by ResearchMed
Sun Dec 16, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 982
Views: 105693

Re: [What TV Show Have You Recently Watched?]

What should I start...which one would you prefer House of Cards or Vikings?? I haven't seen Vikings, so no feedback there, but I thought House of Cards became consistently worse over its last few seasons. Agree, as happens with too many series over time. Try the British version of House Of Cards. T...
by ResearchMed
Sun Dec 16, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 37
Views: 2295

Re: Airbnb as side gig

My stay-at-home spouse is thinking about listing one of our rooms on Airbnb as a side gig and generate some self employment income. The purpose is early mortgage pay-off, setting up individual 401k and bolstering retirement savings. We have a 4 bedroom 3.5 bathroom house and are currently using onl...
by ResearchMed
Sun Dec 16, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Lottery Tickets
Replies: 30
Views: 1552

Re: Lottery Tickets

In economics this is know as the Law of Reciprocity. Basically, if you do something nice for me I’ll do something nice for you. I feel obligated to reciprocate. So by you giving me a lottery ticket I feel obligated to give you something, basically a listing if I'm selling my house. The issue isn't ...
by ResearchMed
Sun Dec 16, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my last rental property in major west coast city?
Replies: 10
Views: 881

Re: Should I sell my last rental property in major west coast city?

If you were to buy this property today, what is the price and what rent could you get realistically? If it is like most West Coast markets (I assume California, due the very low property tax assessment), then the cap rates are probably so low that it wouldn't make a very good investment. " Things a...
by ResearchMed
Sun Dec 16, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Lottery Tickets
Replies: 30
Views: 1552

Re: Lottery Tickets

To me, sounds super tacky! And I buy them once every blue moon. Good luck. I had written a slightly longer reply, but it started with this. I'll just double down here :wink: And IF one offends sme current/past customer who are truly anti-gambling (or know someone with a gambling problem!), then tha...
by ResearchMed
Sun Dec 16, 2018 5:22 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 122
Views: 7333

Re: Favorite Purchase of 2018?

The cruise of a lifetime. It isn’t happening until 2020, but we locked it in this year. And are slowly, slowly, whittling away at the payment for it. A total of 49 days along the west coast of Central and South America, around Cape Horn, and finishing in Rio de Janiero. “This is gold, Jerry. Gold!”...
by ResearchMed
Sat Dec 15, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Possible Recession and a Retiree's postulation?
Replies: 20
Views: 1992

Re: Possible Recession and a Retiree's postulation?

Let's assume (always dangerous) that stocks and equity funds take a major hit both domestic and international...... I suspect dividends for those of us only taking dividends and not selling equities will remain, for the most part, unchanged in a taxable portfolio... +/- 10%. Effect on a 40/60 IRA p...
by ResearchMed
Sat Dec 15, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 74
Views: 4849

Re: Law school without practicing law

Some of the top law schools have online courses, some of them free, and some of them are taught by top professors.

You might want to try a few of these for starters, in a couple of areas, to see if it appeals.

RM
by ResearchMed
Sat Dec 15, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 122
Views: 7333

Re: Favorite Purchase of 2018?

My gravity/weighted blanket-!!!!! I read about this last fall and last Dec I ordered one. I LOVE it. https://www.youtube.com/watch?v=7QGOuLlukas I bought mine from this Canadian company- it took 3 weeks to get it as they were backordered but they are a good company and my blanket is good quality: h...
by ResearchMed
Sat Dec 15, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5018

Re: Forgoing health insurance

Couple of (more) thoughts: * it's not like there's an even distribution of the price of medical bills for an individual for a year. Meaning: some have mentioned that it's not that bad as what everyone is saying, you'd be able to fend for yourself. But, in my experience, there is such a wide varianc...
by ResearchMed
Sat Dec 15, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Annuity Question
Replies: 5
Views: 286

Re: Annuity Question

To be clear...are you already collecting the pension, or is it starting imminently, or do you still have some time to wait before it starts? If you’re already collecting the pension, then a SPIA is indeed the correct comparison. If it doesn’t start for some time, the. A deferred annuity would be th...
by ResearchMed
Sat Dec 15, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 122
Views: 7333

Re: Favorite Purchase of 2018?

My gravity/weighted blanket-!!!!! I read about this last fall and last Dec I ordered one. I LOVE it. https://www.youtube.com/watch?v=7QGOuLlukas I bought mine from this Canadian company- it took 3 weeks to get it as they were backordered but they are a good company and my blanket is good quality: h...
by ResearchMed
Sat Dec 15, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: AAII Sentiment
Replies: 3
Views: 484

Re: AAII Sentiment

One member of the Morningstar Discussion Forum tends to post these weekly. But unfortunately, I haven't been able to log on to M*'s Forums for some time, so I hadn't seen this. Those opinions had been fluctuating considerably recently, but I had NOT seen this recent result. Ouch. Thanks for posting ...
by ResearchMed
Sat Dec 15, 2018 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 74
Views: 4849

Re: Law school without practicing law

I have a JD and took/passed the bar in two states. However, my primary job is with the feds and I have a law practice as a side hustle. Many people I work with in the government have JDs and have no intention of practicing law. Having a JD alone doesn’t let you practice, you still need to pass the ...
by ResearchMed
Sat Dec 15, 2018 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 74
Views: 4849

Re: Law school without practicing law

I have a JD and took/passed the bar in two states. However, my primary job is with the feds and I have a law practice as a side hustle. Many people I work with in the government have JDs and have no intention of practicing law. Having a JD alone doesn’t let you practice, you still need to pass the ...
by ResearchMed
Fri Dec 14, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 122
Views: 7333

Re: Favorite Purchase of 2018?

An very special and unusual March cruise along the Norwegian coast, from Bergen up around to Kirkenes (the Russian border), and then back again. Beautiful scenery... it's just gorgeous. And we saw the Northern Lights, which was one of the goals. We also had a bit of excitement not yet experienced on...
by ResearchMed
Fri Dec 14, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Grandma's Money
Replies: 8
Views: 1352

Re: Grandma's Money

I am comfortable with selecting appropriate index funds, but would love a discussion about how they should be allocated since it wont be needed in the near future. My instinct would be to invest it somewhat aggressively, since the members of my Dad's generation already have their retirements figure...
by ResearchMed
Fri Dec 14, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3467

Re: Who else is doing home automation?

Smoke wrote:
Fri Dec 14, 2018 4:38 pm
Retired... as long as the tv remote works, thats about how automated I want to be.
Bingo :D

RM
by ResearchMed
Fri Dec 14, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 48
Views: 2112

Re: Hyatt Legal Plan for Will and Trust

... can you share how you interview the attorney and knowing which attorney works best for you? Seems like any attorney should be ok if they’re able to get it done? I’m not in the profession so how do you evaluate one attorney from another. Check the lawyer's bio and his/her firm's website. That sh...
by ResearchMed
Fri Dec 14, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Did VMFXX break the buck? [Vanguard Federal Money Market Fund]
Replies: 12
Views: 1398

Re: Did VMFXX break the buck?

It's currently showing the daily market value as $0.9999. https://imgur.com/DzhvO9V Per our account right now: " Price as of 12/13/2018 $1.00 " And it will "update" at some point after the close, before Monday. I'm not sure what you are seeing... a quick glance didn't show me anything lower than $1...
by ResearchMed
Fri Dec 14, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Schwab to another bank
Replies: 36
Views: 1754

Re: Moving from Schwab to another bank

Sorry, should have made it a bit more clear! I was wondering if there was a Schwab-like product with a brick and mortar presence. Sometimes I have to deposit cash (not terribly often), and its a bit of a pain to go buy a money order somewhere and then deposit it online. AH that makes sense too. As ...
by ResearchMed
Fri Dec 14, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 48
Views: 2112

Re: Hyatt Legal Plan for Will and Trust

... can you share how you interview the attorney and knowing which attorney works best for you? Seems like any attorney should be ok if they’re able to get it done? I’m not in the profession so how do you evaluate one attorney from another. Check the lawyer's bio and his/her firm's website. That sh...
by ResearchMed
Fri Dec 14, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Schwab to another bank
Replies: 36
Views: 1754

Re: Moving from Schwab to another bank

Looking for suggestions on a new bank. I like Schwab, and initially went with them because of the ATM fee refunds and the fact that I can withdraw money overseas with no fees (or at least get fees refunded). Now that I hardly ever carry cash (except when traveling to certain countries overseas), ha...
by ResearchMed
Fri Dec 14, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 48
Views: 2112

Re: Hyatt Legal Plan for Will and Trust

... can you share how you interview the attorney and knowing which attorney works best for you? Seems like any attorney should be ok if they’re able to get it done? I’m not in the profession so how do you evaluate one attorney from another. Check the lawyer's bio and his/her firm's website. That sh...
by ResearchMed
Fri Dec 14, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 48
Views: 2112

Re: Hyatt Legal Plan for Will and Trust

We are just starting this with Hyatt. We got the names of several attorneys in our area who specialize in this type of work, and we can pick any (or interview and then choose). It would also cover health care proxies, medical directives, and such. Don't forget those. But for specialized things like...
by ResearchMed
Fri Dec 14, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Withdrawals at age 70
Replies: 24
Views: 1448

Re: IRA Withdrawals at age 70

Sorry to complicate things but I have a slightly different wrinkle. I have retirement benefits split between an IRA and a 457b. I know I have to take both into consideration with regard to RMD's. I set up my IRA for the exclusive purpose of making qualified charitable distributions (QCD) and will f...
by ResearchMed
Fri Dec 14, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Attn Landlords: Registered Agent Recommendations?
Replies: 2
Views: 146

Re: Attn Landlords: Registered Agent Recommendations?

I have property in another state. Why do need an RA? All my mail is either sent to property manager or my home address. We had some vacation rental property in another state. The state required that there be a registered agent in that state, for possible receipt of any documents (including service ...
by ResearchMed
Fri Dec 14, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner Insurance Deductible Amount?
Replies: 19
Views: 1170

Re: Homeowner Insurance Deductible Amount?

We called insurer, explained what happened, they arranged to send out an adjuster in the near future (and as described, this was changed to earlier, "the day the new furnace was installed"), and also suddenly to two adjusters appearing. Actually, as we typically would do, we called the claims dept ...
by ResearchMed
Fri Dec 14, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Withdrawals at age 70
Replies: 24
Views: 1448

Re: IRA Withdrawals at age 70

The divisors quoted above are for: 1. Unmarried Owners 2. Married Owners whose spouses are not more than 10 years younger 3. Married Owners whose spouses are not the sole beneficiaries of their IRAs What is the difference if a spouse and, say, a sibling/child are both beneficiaries of an IRA? I quo...
by ResearchMed
Fri Dec 14, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: IRA Withdrawals at age 70
Replies: 24
Views: 1448

Re: IRA Withdrawals at age 70

There is another detail to note: When you calculate your RMD, it is based on your account balance at the end of the previous year, but you use the divisor for your age at the end of the year. So, if you become 70.5 in the last half of the year, your divisor for your first RMD is the one for age 70,...
by ResearchMed
Fri Dec 14, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner Insurance Deductible Amount?
Replies: 19
Views: 1170

Re: Homeowner Insurance Deductible Amount?

Insure only what you can't afford to lose. If an extra $2,500 deductable ($5,000 in total) wouldn't be a hardship in the case of a disaster take advantage of the $600 / premium reduction. In all liklihood, you'll break even in just over 4 years by choosing the higher deductable and lower premium. W...
by ResearchMed
Fri Dec 14, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: IRA Withdrawals at age 70
Replies: 24
Views: 1448

Re: IRA Withdrawals at age 70

There is another detail to note: When you calculate your RMD, it is based on your account balance at the end of the previous year, but you use the divisor for your age at the end of the year. So, if you become 70.5 in the last half of the year, your divisor for your first RMD is the one for age 70,...
by ResearchMed
Thu Dec 13, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding underpayment penalty
Replies: 17
Views: 1781

Re: Avoiding underpayment penalty

Is there any way that you could arrange for a large withholding from that final paycheck? Perhaps even a slight overpayment, which you'd get back when you file taxes or could apply to the next year's taxes? That works two ways: 1) it puts the tax payment in the same quarter as the income; 2) no pape...
by ResearchMed
Thu Dec 13, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to Evaluate Giving
Replies: 15
Views: 1157

Re: How to Evaluate Giving

There is a homeless shelter somewhat nearby that has no (or almost no?) overhead. The space is donated in the basement of a church. No costs to the shelter, including for utilities. The staff are all volunteers, some with years of experience there (the senior staff). It's been going for decades now....
by ResearchMed
Thu Dec 13, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3467

Re: Who else is doing home automation?

Dottie57 wrote:
Thu Dec 13, 2018 4:45 pm
Mike Scott wrote:
Thu Dec 13, 2018 1:51 pm
Not me; it's a pretty expensive giggle, it's one more thing to break and need fixed and the security concerns are very real.
+1
Not a chance.

RM
by ResearchMed
Thu Dec 13, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Being locked out of my account and "research team" will contact me in 72 hours
Replies: 33
Views: 3941

Re: Being locked out of my account and "research team" will contact me in 72 hours

The rep seemed to indicate that the person tried different passwords and different usernames, not the same username with a lot of passwords all at once. What's odd is that I don't use that username often and the password is unique, which is the scary part. Now the username isn't used anywhere else ...
by ResearchMed
Thu Dec 13, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: smart locks - schlage vs. august vs. something else
Replies: 13
Views: 1112

Re: smart locks - schlage vs. august vs. something else

We have used the Schlage locks for years. Very reliable. But we have never connected them to the internet. The best defense against hacking is not to be connected in the first place. Unless someone needs complete monitoring (and some may), the keypads allow extra codes. Thus, one can give someone a...
by ResearchMed
Thu Dec 13, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: ReFi...Yes or No
Replies: 16
Views: 961

Re: ReFi...Yes or No

Good Evening Fellow Bogleheads, My DW and I purchased a new house in October with the intent of renting out our previous home. The old house has been on the rental market for about 1 month. We have had a lot of showings, some applicants, but no truly viable prospects after credit checks and backgro...
by ResearchMed
Thu Dec 13, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21697

Re: What percentage of your net worth is your home equity?

Okay, I’ve read all six pages. :shock: Someone please tell me: what is the main take-away from this thread? This: “When I use a word,” Humpty Dumpty said, in rather a scornful tone, “it means just what I choose it to mean—neither more nor less.” “The question is,” said Alice, “whether you can make ...
by ResearchMed
Thu Dec 13, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21697

Re: What percentage of your net worth is your home equity?

TomatoTomahto wrote:
Thu Dec 13, 2018 6:20 pm
I was using this as a break from the news today. I seldom watch TV news, but so much broke today.

Net worth isn’t net worth; facts are not facts; yowza.
Now we know: "Net worth" is "Fake News".

:shock:

RM

P.S. I've just reported myself.
by ResearchMed
Thu Dec 13, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: smart locks - schlage vs. august vs. something else
Replies: 13
Views: 1112

Re: smart locks - schlage vs. august vs. something else

We have used the Schlage locks for years. Very reliable. But we have never connected them to the internet. The best defense against hacking is not to be connected in the first place. Unless someone needs complete monitoring (and some may), the keypads allow extra codes. Thus, one can give someone a...
by ResearchMed
Thu Dec 13, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21697

Re: What percentage of your net worth is your home equity?

KlangFool, Then it's very simple - those folks are considering their portfolio size and not their net worth. Standard terms like "net worth" have well-defined meanings, and you risk confusing people who are trying to learn by redefining a standard term to your liking. Just tell people that you thin...
by ResearchMed
Thu Dec 13, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Being locked out of my account and "research team" will contact me in 72 hours
Replies: 33
Views: 3941

Re: Being locked out of my account and "research team" will contact me in 72 hours

It turns out the original code was sent because someone successfully logged in after trying a lot of different logins. They didn't get access because they didn't have the code sent to my phone, thanks 2FA! It was the multiple login attempts (and the successful one) that triggered the fraud review. ...
by ResearchMed
Thu Dec 13, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: smart locks - schlage vs. august vs. something else
Replies: 13
Views: 1112

Re: smart locks - schlage vs. august vs. something else

Anyone have smart locks and can provide feedback on Schlage sense and August pro or suggest a better alternative? The features I desire are: 1. keypad with the ability to assign temporary codes remotely using an app. 2. app that tracks who is accessing the lock. 3. physical lock is able to be re-ke...
by ResearchMed
Thu Dec 13, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner Insurance Deductible Amount?
Replies: 19
Views: 1170

Re: Homeowner Insurance Deductible Amount?

Insure only what you can't afford to lose. If an extra $2,500 deductable ($5,000 in total) wouldn't be a hardship in the case of a disaster take advantage of the $600 / premium reduction. In all liklihood, you'll break even in just over 4 years by choosing the higher deductable and lower premium. W...
by ResearchMed
Thu Dec 13, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner Insurance Deductible Amount?
Replies: 19
Views: 1170

Re: Homeowner Insurance Deductible Amount?

Insure only what you can't afford to lose. If an extra $2,500 deductable ($5,000 in total) wouldn't be a hardship in the case of a disaster take advantage of the $600 / premium reduction. In all liklihood, you'll break even in just over 4 years by choosing the higher deductable and lower premium. W...
by ResearchMed
Thu Dec 13, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Where does one purchase correctly-sized petite trousers?
Replies: 27
Views: 1235

Re: Where does one purchase correctly-sized petite trousers?

Thanks again to everyone who responded, special thanks to @rupert and @ResearchMed One general question is that what's the most that could be taken out from inseams? If it's no big deal to take out 3-4 inches, then a lot of individual trousers become feasible (suit jackets would be a whole 'nother ...