Search found 8223 matches

by ResearchMed
Mon Mar 04, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 160
Views: 9015

Re: Men & Women: What do you pack for travel inside 1 carry-on luggage only??

We don't travel that way for a two to three week trip. ... FWIW, I'm 71 now and wife a bit younger. Here's what we do for a cruise that long. We each take a medium size (spinner) case we check. They are for clothes and shoes and will be cross packed for a change or two. Mine will also include our s...
by ResearchMed
Sun Mar 03, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Luggage Carry On 22" long x 14" wide x 9" tall
Replies: 24
Views: 1719

Re: Luggage Carry On 22" long x 14" wide x 9" tall

Last we had checked, there were some airlines that had (again) reduced the size to less than 22"... 21.5, for example.
We didn't want to risk it.
It seems to be almost a plot in cahoots with the luggage manufacturers :annoyed

RM
by ResearchMed
Sun Mar 03, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4287
Views: 1129379

Re: What Movie Have You Recently Watched?

Free Solo Although you know it is going to turn out ok, it is still harrowing to watch Alex Honnold, on a difficult sheer mountain face, climbing without ropes or any safety equipment. He is one misstep or wrong move away from death. Great profile of determination coupled with a passion (make that ...
by ResearchMed
Sun Mar 03, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 160
Views: 9015

Re: Men & Women: What do you pack for travel inside 1 carry-on luggage only??

As little as possible. Whether it is a week-long international business trip or a 10+ day family vacation; it fits in one carry-on-sized bag. Period. This is exactly what I have in mind. What do you put in that carry on sized bag? thanks, j Whoa, Sandtrap... you changed the game :happy One carry-on...
by ResearchMed
Sun Mar 03, 2019 10:09 am
Forum: Personal Investments
Topic: Saving Once in Retirement
Replies: 32
Views: 3149

Re: Saving Once in Retirement

Auto and house repairs sound like normal budget items. Call it what you want, but you should have some money for such things whether it is "savings" from "retirement income" or designated funds in your already saved "retirement stash". Exactly, but it doesn't even need to be designated. Spending mo...
by ResearchMed
Sun Mar 03, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Additional Tax Withholding vs Estimated Tax Payments
Replies: 6
Views: 447

Re: Additional Tax Withholding vs Estimated Tax Payments

Both are fine. Withholding has the advantage of being considered received equally across the year. It also helps you not "forget" to make one of the quarterly payments Mike This ^^^ It's also less "painful", if each month, a small portion is automatically removed from the paycheck before you even g...
by ResearchMed
Sun Mar 03, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Red Wine question
Replies: 29
Views: 3110

Re: Red Wine question

Open That Bottle Night, the last night in February, was so-designated by Wall Street Journal wine columnists Dorothy Gaiter and John Beecher during their tenure with the WSJ. They have since retired, but I continue to follow Dorothy’s wine columns online. This year for OTBN, we had a recent prize, ...
by ResearchMed
Fri Mar 01, 2019 10:55 pm
Forum: Investing - Theory, News & General
Topic: Money Markets
Replies: 17
Views: 2080

Re: Money Markets

I would put it into VMMXX Vanguard Prime Money Market which has a current compound yield of 2.49%. In fact I’ve invested in it myself. Yes, this has become a very attractive place to put money, with excellent liquidity. And there are now quite a few other MM funds at other vendors that are offering...
by ResearchMed
Fri Mar 01, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7048

Re: BH could you live off your SS benefit?

Just curious how many BH feel they could live comfortably or somewhat comfortably on SS alone in retirement. Given both my wife and I have worked at good paying jobs our entire careers and that we live in a MCOL with a paid off home I think as long as our expectations were reasonable I can say we c...
by ResearchMed
Fri Mar 01, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: Money Markets
Replies: 17
Views: 2080

Re: Money Markets

I would put it into VMMXX Vanguard Prime Money Market which has a current compound yield of 2.49%. In fact I’ve invested in it myself. Yes, this has become a very attractive place to put money, with excellent liquidity. And there are now quite a few other MM funds at other vendors that are offering...
by ResearchMed
Fri Mar 01, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Dynasty Trusts
Replies: 6
Views: 725

Re: Dynasty Trusts

Read about these a few years ago. I think they just normal trusts. The difference is they are domiciled in states that have no laws against perpetuity. That means if the inheritance goes on per stirpes then they go on forever as long as you have progeny. Think they are more a marketing tool for the...
by ResearchMed
Fri Mar 01, 2019 1:39 pm
Forum: Investing - Theory, News & General
Topic: Do houses grow tax free?
Replies: 98
Views: 4744

Re: Do houses grow tax free?

Thank you everyone. So here is what I have learned so far: - Property tax is another tax disadvantage with houses, but of course not in Roth - You can money in increments to Roth but not to a house - You can withdraw money tax free in Roth, but you have to sell the whole house to enjoy the capital ...
by ResearchMed
Fri Mar 01, 2019 1:14 pm
Forum: Investing - Theory, News & General
Topic: Do houses grow tax free?
Replies: 98
Views: 4744

Re: Do houses grow tax free?

The tax free growth only matters if you sell the house. Same applies to Roth IRA investing. Tax free growth only matters when sell the shares, no? It's not clear what you are asking. Are you asking about the growth of the capital gains *after* selling the house? Or the accumulation of value (hopefu...
by ResearchMed
Fri Mar 01, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: Do houses grow tax free?
Replies: 98
Views: 4744

Re: Do houses grow tax free?

The tax free growth only matters if you sell the house. Same applies to Roth IRA investing. Tax free growth only matters when sell the shares, no? It's not clear what you are asking. Are you asking about the growth of the capital gains *after* selling the house? Or the accumulation of value (hopefu...
by ResearchMed
Fri Mar 01, 2019 12:48 pm
Forum: Investing - Theory, News & General
Topic: Do houses grow tax free?
Replies: 98
Views: 4744

Re: Do houses grow tax free?

Just for the sake of learning. Assuming someone living in a state that exempts his primary residency from capital gains taxes if sold, up to $500,000. And as a result, let's say he would then sell the house after some decent appreciation without paying capital gain taxes. Can we safely (from only t...
by ResearchMed
Fri Mar 01, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 52
Views: 5929

Re: Financial solicitation by my doctor

Stop being so sensitive. Don’t want to participate? Disregard it then. Yeah, people here get so wound up about everything. I cannot go a single day w/o somebody hitting me up for money. Be it the homeless guy on the corner, the guy at the gas station that doesn't have enough gas to get home, my Alm...
by ResearchMed
Fri Mar 01, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 52
Views: 5929

Re: Financial solicitation by my doctor

Stop being so sensitive. Don’t want to participate? Disregard it then. Yeah, people here get so wound up about everything. I cannot go a single day w/o somebody hitting me up for money. Be it the homeless guy on the corner, the guy at the gas station that doesn't have enough gas to get home, my Alm...
by ResearchMed
Fri Mar 01, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Trying to understand how I got hit with such a big amount in taxes owed
Replies: 41
Views: 5663

Re: Trying to understand how I got hit with such a big amount in taxes owed

The IRS mandates that only 22% be withheld for bonus payments, and RSU vestings are in that category. Since you said you are in the 35% tax bracket, if you had a substantial amount of RSUs vest, they would have been vastly under withheld , in accordance with IRS regulations. ^This. In the future se...
by ResearchMed
Fri Mar 01, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 14302

Re: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?

But my argument is the average retired couple who is going to spend $120K/year over a long retirement will have a non-trivial federal tax bill, due to SS and RMDs, over the course of their retirement. Yes, but many in this board retire early and can enjoy a decade or two of very low taxes . This is...
by ResearchMed
Thu Feb 28, 2019 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed: medical (drug company) speaking and taxes
Replies: 12
Views: 532

Re: Advice needed: medical (drug company) speaking and taxes

Dear fellow bogleheads I anticipate around 6k income 1099 doing medical drug company speaker program. This is in addition to my W-2 job. I have two questions 1. Do I need to pay quarterly estimated tax for this 2. Travel, accommodations is provided for. What kind of deduction I could claim? One tho...
by ResearchMed
Thu Feb 28, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pay capital gains tax?
Replies: 9
Views: 1082

Re: How do you pay capital gains tax?

The capital gains tax rate for most is no more than 15%. What happened to the other 85%? 100% of the money was used to purchase a piece of property. In that case you probably should have sold enough extra to pay the tax. How to pay the tax depends on the situation and what other assets and income y...
by ResearchMed
Thu Feb 28, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pay capital gains tax?
Replies: 9
Views: 1082

Re: How do you pay capital gains tax?

The capital gains tax rate for most is no more than 15%. What happened to the other 85%? 100% of the money was used to purchase a piece of property. In that case you probably should have sold enough extra to pay the tax. How to pay the tax depends on the situation and what other assets and income y...
by ResearchMed
Thu Feb 28, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 52
Views: 5929

Re: Financial solicitation by my doctor

Thanks, rjbraun.

That answers that...

Thank you.

RM
by ResearchMed
Thu Feb 28, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawal Rate for an unhealthy 80 y/o woman
Replies: 43
Views: 2539

Re: Safe Withdrawal Rate for an unhealthy 80 y/o woman

A SPIA with period certain might work.... Broken Man 1999 I will look into that. Thank you. gasdoc If she does not have any serious bequest desires, and her main concern is her own living expenses, then I don't see how a period certain SPIA would help. That would guarantee that if she passed before...
by ResearchMed
Thu Feb 28, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 8861

Re: How did mylife.com get my info?

The problem will just repeat itself unless you control the information at the source. What I do since I operate a business is that I apply for a supplementary business card with a made-up name, Ryan Jigglepants, that can, theoretically, be used by any employee. I am still liable for all the credit ...
by ResearchMed
Thu Feb 28, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Electric [utility] plans. I'm moving out of Texas should I get a short term plan?
Replies: 8
Views: 424

Re: Electric plans. I'm moving out of Texas should I get a short term plan?

Electric plans are the rates offered by electricity provider in Texas. Kinda like cell phone providers except you're signing up for electricity to your home. Oh. It seemed you were referring to some sort of specialized "plan", like cell phone plans. That seems to be no different from any electric s...
by ResearchMed
Thu Feb 28, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Electric [utility] plans. I'm moving out of Texas should I get a short term plan?
Replies: 8
Views: 424

Re: Electric plans. I'm moving out of Texas should I get a short term plan?

My electric plan is ending early March and I'm planning to move out of Texas in about 6 months. Should I sign up for a short term plan? Do you get charged early termination fees if you move out of state? You might want to describe what kind of "electric plan" you are referring to. We don't have any...
by ResearchMed
Thu Feb 28, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Nervous about locking up money in SPIA
Replies: 101
Views: 6295

Re: Nervous about locking up money in SPIA

The point of the annuity is not to protect me from a market down turn. The point of the annuity is to protect me if I get old and demented and do something really stupid with my money, like give it to a clever con artist. If you are demented enough, an annuity won't protect you. You could still giv...
by ResearchMed
Thu Feb 28, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: best way to borrow about $300K for a few months for new house
Replies: 33
Views: 2702

Re: best way to borrow about $300K for a few months for new house

Option 3 was already mentioned and in fact designed exactly for this situation. And that is a bridge loan. If it's a regular HELOC or home equity loan, that's not quite the same as a regular "bridge" loan; there's nothing about "bridging" that is needed for a HELOC or home equity loan (other than y...
by ResearchMed
Thu Feb 28, 2019 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Client From Hell Is Driving Me Insane!
Replies: 60
Views: 7766

Re: Client From Hell Is Driving Me Insane!

Sounds like a great client. They are paying your firm and not physically hurting you. :sharebeer Seriously, you are not the first person to have a challenging customer. I'd encourage you to make the best of it...especially since it only consumes 25% of your workload. Here is my main suggestion: The...
by ResearchMed
Thu Feb 28, 2019 2:58 am
Forum: Personal Consumer Issues
Topic: Luxury vacation towns ??
Replies: 51
Views: 3882

Re: Luxury vacation towns ??

quantAndHold wrote:
Wed Feb 27, 2019 11:55 pm
Santa Barbara.
Beautiful area, many lovely beaches, although I haven't been there recently.

After SB, I moved to Seattle.
The sun apparently stayed in SB :shock:
But I loved Seattle, too!

RM
by ResearchMed
Wed Feb 27, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 14302

Re: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?

Retired mid-2017 (ages 57/56) to travel. As others have noted, that is an easy way to spend however much you are willing to let go. Last year's travel expenditures came in at $149,000--we were home for 12 weeks total, and among our international trips was 3 months diving the south pacific. (My firs...
by ResearchMed
Wed Feb 27, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawal Rate for an unhealthy 80 y/o woman
Replies: 43
Views: 2539

Re: Safe Withdrawal Rate for an unhealthy 80 y/o woman

I serve as a financial mentor of sorts for an unhealthy 80 y/o woman, and would like the collective wisdom from the Bogleheads community. This lady's assets include a home that will be sold soon for about $100K, about $50K in an IRA, about $50K in a taxable account, and about $20K in cash equivalen...
by ResearchMed
Wed Feb 27, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 52
Views: 5929

Re: Financial solicitation by my doctor

We've never (yet?) gotten a solicitation to help with research directly from any of our physicians. But we do get such email and snail mail from the teaching hospital/medical center. What it a bit more similar is when it comes from a group that does involve research that pertains to our own medical ...
by ResearchMed
Wed Feb 27, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 14302

Re: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?

$30k/year living expenses is more than enough for a comfortable lifestyle. OP you hit send before you finished your statement " $30K/year living expenses is more than enough for a comfortable lifestyle for me, but of course everyone's needs and expenses are different so I'm only speaking for myself...
by ResearchMed
Wed Feb 27, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Seller Evaluating Multiple Offers
Replies: 12
Views: 882

Re: Seller Evaluating Multiple Offers

I would counter #3 and ask them to match the selling price from #2. I agree, based on the information provided. What does your agent say? My agent told me she gave the other agent a heads up that their all cash offer is the lowest before the counters. I'm curious what is the fine line.... are agent...
by ResearchMed
Wed Feb 27, 2019 2:10 pm
Forum: Personal Investments
Topic: Investing Dilemma (Index Funds Vs Individual Stocks Mirroring an Index)
Replies: 29
Views: 1077

Re: Broker Offering Parametric Portfolio to Track Index, Is this a stupid thing to do?

[merged replies from a duplicate thread into this existing topic - moderator prudent] My wife and I have a dilemma that I'm hoping you can help resolve. The basic crux of the issue is my wife has a stock portfolio that was set up by her family and managed by a family friend at a large brokerage tha...
by ResearchMed
Wed Feb 27, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 2966

Re: Lease renewal: Complex raised rent by 6.5%

Had a similar experience renting an apartment in a complex that was owned by a corporation who had many properties. When they raised our rent $100/month on our first renewal, I went to the leasing office and asked them if they could do $50/month or we would probably move out (bluff). They declined ...
by ResearchMed
Wed Feb 27, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Seller Evaluating Multiple Offers
Replies: 12
Views: 882

Re: Seller Evaluating Multiple Offers

For those of you that have sold your properties with multiple offers how did you evaluate your offers. I have 3 offers on the table and I'm in the process of asking for counter offers. Based on the initial offers would you guys rank it the same way I have why or why not and how much do you value a ...
by ResearchMed
Wed Feb 27, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Software That Searches Inside PDF Files
Replies: 21
Views: 790

Re: Software That Searches Inside PDF Files

rkhusky wrote:
Wed Feb 27, 2019 12:36 pm
Note also that the creator of the pdf can choose to block searching if the appropriate security setting is selected.
I didn't know this.

But IF this was selected, couldn't someone just scan it and have OCR-type SW do the searching?
If it's a clear pdf, that should work fairly well.

RM
by ResearchMed
Wed Feb 27, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 2966

Re: Lease renewal: Complex raised rent by 6.5%

Hmm, just saw my unit listed on Zillow at a price between what we're paying now ($1,520) and what they wanted us to pay ($1,620). https://i.imgur.com/4G813rG.png Note, the building our unit is in is the one furthest from pool, leasing office, and communal grilling areas hence the price discrepancy ...
by ResearchMed
Wed Feb 27, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 2966

Re: Lease renewal: Complex raised rent by 6.5%

Hmm, just saw my unit listed on Zillow at a price between what we're paying now ($1,520) and what they wanted us to pay ($1,620). https://i.imgur.com/4G813rG.png Note, the building our unit is in is the one furthest from pool, leasing office, and communal grilling areas hence the price discrepancy ...
by ResearchMed
Wed Feb 27, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 14302

Re: If you are currently or planning to spend over $120k/year in retirement, what is your projected budget?

I'd also like to know the retiring portfolio balance of someone planning on spending $120k/year in retirement. It would be interesting to see whether that's 2 million or 4 million (or more or less). Me too. $120,000 is 4% of $3M. Curious which side of that number most people would fall. Personally,...
by ResearchMed
Wed Feb 27, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Software That Searches Inside PDF Files
Replies: 21
Views: 790

Re: Software That Searches Inside PDF Files

The Mac OSX Finder searches for strings within PDF files. But not if the files are scanned, and are essentially images. If the images are scanned, and not created as pdf's from original print documents, then sometimes (not always) and depending upon the quallity of the original and of the scanning,...
by ResearchMed
Wed Feb 27, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 2966

Re: Lease renewal: Complex raised rent by 6.5%

If anything, it seems you are simply identifying yourselves as tenants who are likely to cause even more trouble in the future (e.g., when there IS "an issue"). That isn't likely to work well, if vacancies are quickly filled. Also, did they recently replace the roof? "Not replacing with tiles" is st...
by ResearchMed
Wed Feb 27, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 2966

Re: Lease renewal: Complex raised rent by 6.5%

Rental markets are hot across the US. I own rentals near Charlotte NC and I've gone up $150 to $400 across the board on my properties. Because of supply and demand...there may only be X number of available properties and I will get 300+ inquiries from my zillow rental listing. I have employees who ...
by ResearchMed
Tue Feb 26, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding Suddenly Changed 2 Months into 2019
Replies: 22
Views: 1404

Re: Withholding Suddenly Changed 2 Months into 2019

What's meant by it being a timing issue? The amount of tax that you will actually owe for the year is not dependent upon the withholding. The amount withheld will be applied to the total tax amount due, and chances are there will be something to be added, or some refund left, when the tax return is...
by ResearchMed
Tue Feb 26, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare choices
Replies: 82
Views: 5274

Re: Medicare choices

One thing to consider, in terms of whether "plain vanilla Medicare" is sufficient: It typically does NOT include medical care outside the USA, so if you are doing - or plan to do - international travel, you'll want some sort of supplemental plan OR be sure to get travel insurance each time you leav...
by ResearchMed
Tue Feb 26, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare choices
Replies: 82
Views: 5274

Re: Medicare choices

One thing to consider, in terms of whether "plain vanilla Medicare" is sufficient: It typically does NOT include medical care outside the USA, so if you are doing - or plan to do - international travel, you'll want some sort of supplemental plan OR be sure to get travel insurance each time you leave...
by ResearchMed
Tue Feb 26, 2019 12:46 pm
Forum: Personal Investments
Topic: Alternative to VUSXX
Replies: 21
Views: 995

Re: Alternative to VUSXX

erik265 wrote:
Tue Feb 26, 2019 12:25 pm
Just wondering I also have a Merrill Edge account what could I buy in there that is an equivalent to VUSXX? VUSXX is not offered in Merrill Edge at the moment?
Could you kindly give the name of this fund for those of us who have not memorized just about all such symbol/name pairs?
Thanks.

RM