Search found 7399 matches

by ResearchMed
Fri Nov 09, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: HSA/HDHP vs PPO - advantages if you know you will have high costs?
Replies: 5
Views: 293

Re: HSA vs PPO - advantages if you know you will have high costs?

keepItSimple wrote:
Fri Nov 09, 2018 9:06 am
You are correct, I do mean HDHP + HSA.
You can change the title (also for others reading).
Go to your first post, see little pencil icon in upper right corner, click it to edit.

Thanks.

RM
by ResearchMed
Fri Nov 09, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: HSA/HDHP vs PPO - advantages if you know you will have high costs?
Replies: 5
Views: 293

Re: HSA vs PPO - advantages if you know you will have high costs?

I've been on my company's high cost "cadillac" PPO plan forever. This year, I've started researching my company's cheaper health plan, which comes with an HSA. Here's the comparison: HSA: Annual cost out of my paycheck: $3000 Deductible: $3000 Co-insurance: 90% Out-of-pocket maximum: $4000 Company ...
by ResearchMed
Thu Nov 08, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3975

Re: aerobic exercise: rower vs. treadmill and elliptical

Interesting comments to think about. The treadmill for me is my preferred aerobic exercise - I love running. It is just getting harder as I am getting older. I don't find the elliptical to be as good (in terms of I how fatigued I am afterwards). I am not worried about using a rower for non-aerobic ...
by ResearchMed
Thu Nov 08, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3975

Re: aerobic exercise: rower vs. treadmill and elliptical

Interesting that so many would toss the elliptical first. We've got a treadmill and an ellipical. We got rather expensive equipment, in part because of necessary specifications (rather low ceiling in lower level media/exercise room; needed adjustable stride - for shorter stride - on elliptical, etc....
by ResearchMed
Thu Nov 08, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11754

Re: If expenses are low, are some of us over saving?

$3k + housing would be pretty decent for some people, there are many living a happy retirement on less... Then there are some who imagine it being dreadful to live on twice that. I suspect an awful lot of this depends upon whether one is living in a LCOLA or a VHCOLA. It can make a huge difference....
by ResearchMed
Thu Nov 08, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 880

Re: HIPPA Information available to out of town ER or not?

My physician's office recently asked me to sign a HIPPA release authorizing them to release my medical information to other providers. The explanation for the request was that if I were out of town, and found myself in a facility such as an ER, that the staff could call my physician for any informa...
by ResearchMed
Wed Nov 07, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Anyone here retire in two homes
Replies: 24
Views: 3069

Re: Anyone here retire in two homes

My wife and I are planning for retirement. We were thinking of selling our house and buying two less expensive houses. For example, one for summer (like Lake Tahoe) and one for winter (like Palm Springs area). Has anyone done something like this? If so, what are the pros and cons? Thanks. Assuming ...
by ResearchMed
Wed Nov 07, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11754

Re: If expenses are low, are some of us over saving?

The thread on Baby Boomer savings brought this to mind. For a higher earning couple, assuming they’re debt free and have a paid off home at retirement, why not aim to have expenses be at/below the expected Social Security benefit? Assuming that’s ~$3k to cover property taxes, healthcare, food, tran...
by ResearchMed
Wed Nov 07, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Should I wait to deposit my 401k rollover check from Fidelity?
Replies: 14
Views: 855

Re: Should I wait to deposit my 401k rollover check from Fidelity?

Deposit it now. Right now. Today. Even if you leave it in a money market fund for now. You'd be amazed at just how fast sixty days can roll by, especially during holiday season. The last thing you want to do is wake up a couple of months from now and realize that you neglected to roll it in, and th...
by ResearchMed
Wed Nov 07, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 8824

Re: Long-term Care Insurance

Discussions on this thread are fascinating but I fail to understand is why would people who have amassed 7-figure asset be willing to settle for a state-assisted facility. You'd worked hard all your life and should let the fruit of your labor take care of you and your spouse/partner in your old age...
by ResearchMed
Tue Nov 06, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 8824

Re: Long-term Care Insurance

Discussions on this thread are fascinating but I fail to understand is why would people who have amassed 7-figure asset be willing to settle for a state-assisted facility. You'd worked hard all your life and should let the fruit of your labor take care of you and your spouse/partner in your old age...
by ResearchMed
Mon Nov 05, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: 401k to Rollover IRA - must liquidate - what's best way?
Replies: 4
Views: 291

Re: 401k to Rollover IRA - must liquidate - what's best way?

Hi All! First post but been enjoying this forum for a while: I have a 401k from a previous employer where I was able to allocate up to 50% in a self-directed account (for an annual $50 fee of course). I would like to move that 401k to a rollover IRA with Fidelity (at least for now as I already have...
by ResearchMed
Mon Nov 05, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5900

Re: Deal fell through and didn't get escrow money.....

It takes the listing off MLS for however long the time frame is stated between the two parties for the buyer to conduct inspection, eval, etc etc. It is separate from earnest and non refundable. Rule of thumb is 1% of listing but in a seller's market it might be more 1.5%. Counts toward purchase pr...
by ResearchMed
Mon Nov 05, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5900

Re: Deal fell through and didn't get escrow money.....

Never heard of "due diligence" money. We've just had earnest money, which was/was not refundable depending upon whether any failure to close was due to a stated contingency not being met. What is the difference between due diligence money and earnest money where you are? RM It takes the listing off...
by ResearchMed
Mon Nov 05, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5900

Re: Deal fell through and didn't get escrow money.....

Never heard of "due diligence" money. We've just had earnest money, which was/was not refundable depending upon whether any failure to close was due to a stated contingency not being met. What is the difference between due diligence money and earnest money where you are? RM It takes the listing off...
by ResearchMed
Mon Nov 05, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5900

Re: Deal fell through and didn't get escrow money.....

As a seller I'd have to be in pretty dire straits to accept an offer from a buyer that was contingent upon sale of their existing home. I definitely wouldn't accept such an offer if my house hadn't been on the market for at least 60 to 90 days without a better offer. I'd also expect the contingent ...
by ResearchMed
Sun Nov 04, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

When I sign in, I'm immediately taken to the page informing me that I've signed off and that I should close my browser just in case it retains any information about my session, so that's nice. That happened to us first thing today. Try clearing any Vanguard-related cookies. That fixed it for us. RM
by ResearchMed
Sun Nov 04, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Helping Mom after Dad died talking with financial institutions
Replies: 8
Views: 927

Re: Helping Mom after Dad died talking with financial institutions

My father recently died. I'm trying to help my elderly mom consolidate her financial accounts. I'm having a hard time being able to talk to these places. I understand their concerns when adult children come sniffing around their parents' accounts. I have POA and often times I have Mom on the phone ...
by ResearchMed
Sun Nov 04, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

Possible it was a hardware and network upgrade and the same applications are in use. I do agree an email and a twitter post would have been nice. Use the feedback and let them know for future outages. You have to tell VG not this forum to ensure the word gets back to decision makers. Good luck with...
by ResearchMed
Sun Nov 04, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

I worked in IT for 20 years. Whenever we planned for down times there were always a few that complained and some end users were so called experts. We would chuckle and laugh it off. This thread is not so different. +1 4 pages of complaining about Vanguard closing the site for one day. Maybe this wa...
by ResearchMed
Sun Nov 04, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

I worked in IT for 20 years. Whenever we planned for down times there were always a few that complained and some end users were so called experts. We would chuckle and laugh it off. This thread is not so different. +1 4 pages of complaining about Vanguard closing the site for one day. Maybe this wa...
by ResearchMed
Sun Nov 04, 2018 7:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

Deleting all "vanguard" type cookies allowed the login.

Never had to do that before.

No idea if it will continue to work, or not.

or will I need to manually delete Vanguard cookies again before all future logins...

RM
by ResearchMed
Sun Nov 04, 2018 7:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

Great start for the "new, "improved", updated software"... Well, to be fair, as far as I know nobody at Vanguard has yet said it was done and ready for public consumption. Let's let them finish before we start judging the results. Then don't invite log in attempts by posting the regular window. Kee...
by ResearchMed
Sun Nov 04, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

Systems seem to be up. Logged in via Android app, all funds appear. I did not study for noticeable changes. Coffee time in my Vanguard mug! You are lucky, I guess. I was delighted to ready what you posted, and tried to log in. Alas, although I do get the regular log in window, with regular places f...
by ResearchMed
Sat Nov 03, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

I also think being a member of a STEERING COMMITTEE is not the same as being someone receiving one of presumably many "surveys". Otherwise, "Steering Committees" would be mighty large for many organizations! RM Please take up your gripes with Vanguard, rather than me personally. This is their termi...
by ResearchMed
Sat Nov 03, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

When someone's financial information will be unavailable for a weekend, with zero notice? Not everyone is a Boglehead and constantly thinking about investments, and probably checking in online frequently. And to be blunt, the fact that so many *here* were upset/concerned that the site was suddenly ...
by ResearchMed
Sat Nov 03, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

When someone's financial information will be unavailable for a weekend, with zero notice? Not everyone is a Boglehead and constantly thinking about investments, and probably checking in online frequently. And to be blunt, the fact that so many *here* were upset/concerned that the site was suddenly ...
by ResearchMed
Sat Nov 03, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

Vanguard asked members of the Steering Committee last week what kind of notification people would like in case of the web site being down. Given that they'd informed me for weeks via the huge banner on the top of their site, I said I thought an email was unnecessary. I have logins to hundreds of we...
by ResearchMed
Sat Nov 03, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

Only 8 figure accounts got the email..... I didn't get one either!! Why do you assume we don't have an 8 or even 9 figure account, not to mention what we've got stashed at Fidelity and Schwab and TIAA? :wink: How hard would it have been to send an email to ALL account holders? Really!?? I actually ...
by ResearchMed
Sat Nov 03, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

Only 8 figure accounts got the email..... I didn't get one either!! Why do you assume we don't have an 8 or even 9 figure account, not to mention what we've got stashed at Fidelity and Schwab and TIAA? :wink: How hard would it have been to send an email to ALL account holders? Really!?? I actually ...
by ResearchMed
Sat Nov 03, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: My Grandmother has 80% stocks
Replies: 55
Views: 5443

Re: My Grandmother has 80% stocks

The only suggestion that I would make is to make sure that she is not automatically reinvesting dividends and capital gains into more equities. She could use that to add to her income to pay for living expenses or use that cash to re-balance her AA. I help my Mother and MIL (both in their 90's) wit...
by ResearchMed
Sat Nov 03, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18322

Re: Vanguard website "unavailable during weekend of Nov 3"

I don't seem to find any email from Vanguard about the site being down. Did I overlook it? I found out here, and then, sure enough, there was a notification when someone goes to the site or tries to log in. But what about someone who did not try to log on during the several days prior? And then expe...
by ResearchMed
Sat Nov 03, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: My Grandmother has 80% stocks
Replies: 55
Views: 5443

Re: My Grandmother has 80% stocks

...84 year olds are not traveling the world or buying new cars so doubtful she is going to outlive her money. Good luck. A few on this board might disagree with you. :x Gill Yup. MIL purchased a nice new car when she was about 92 or 93. She was driving all of her friends to *their* medical appointm...
by ResearchMed
Sat Nov 03, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: Social Security Max Taxable Earnings
Replies: 12
Views: 1742

Re: Social Security Max Taxable Earnings

Tamales wrote:
Sat Nov 03, 2018 1:22 pm
So for "high earners" an extra $279 paid in, and a few pennies per month in additional future benefits?
That's how it works after the second bend point.
Nothing new there, except for "a bit extra" now, both in now and out later.

RM
by ResearchMed
Sat Nov 03, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Should I buy a fire truck?
Replies: 13
Views: 882

Re: Should I buy a fire truck?

watchnerd wrote:
Sat Nov 03, 2018 10:47 am
Image

$10,500 on local Craigslist

https://seattle.craigslist.org/oly/hvo/ ... 02725.html
Pretty fancy cow catcher on the front!

RM
by ResearchMed
Sat Nov 03, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Softest Fabric or Brand for a Lady's Nightgown?
Replies: 10
Views: 1001

Re: Softest Fabric or Brand for a Lady's Nightgown?

For cotton knit (relatively thin), try Hanro.
It's a bit pricey, but it's very fine, very soft.

For anything, check the inside seams. Make sure they are finished "flat" (you'll know it when you see it :wink: ), so there aren't edges sticking up that could feel scratchy.

RM
by ResearchMed
Fri Nov 02, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: My Grandmother has 80% stocks
Replies: 55
Views: 5443

Re: My Grandmother has 80% stocks

Hi all. I was speaking to my grandmother tonight (84 yrs old,) who has been invested with Vanguard for decades. She is amazing. Anyway, she told me that she is at about 80% stocks and 20% bonds. I couldn't believe my ears. I asked why she is still invested so aggressively. She said the reason is be...
by ResearchMed
Fri Nov 02, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3545

Re: The most you ever paid for a prescription

I told people not to feel sorry for the insurance companies because there were lots of pricing shenanigans going on behind the scenes between insurance companies, pharmacies, and drug manufacturers. Yes. If you model out the profits of the health insurers, drug manufacturers, and pharmacy benefit n...
by ResearchMed
Fri Nov 02, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5217

Re: Brett Arends: Here's a simple way to beat a bear market

Agree completely IF one knows when the market will go south and stay south AND when it starts coming back up. His plan does not work if the market keeps going down when you are DCA. Good luck. Actually it works well if market is going down while you are DCA No it doesn't. It only works if the marke...
by ResearchMed
Fri Nov 02, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Weight Training After 70
Replies: 33
Views: 2365

Re: Weight Training After 70

As a doctor, I would not consult a doctor about this question. We have absolutely no formal training in exercise physiology or theory and 85% of us do not know where the nearest gym is. The idea that a medical doctor is qualified to write out a physical training regimen is silly. Go see them to man...
by ResearchMed
Fri Nov 02, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Weight Training After 70
Replies: 33
Views: 2365

Re: Weight Training After 70

In your 70s or 80s are you as interested in "gains" or maintaining fitness and flexibility? These aren't mutually exclusive. All of our bodies are in decline...you need to gain to help maintain. I'm likely missing something. I ran 3 miles this morning. Tomorrow I must run 4 or I don't gain? I walk ...
by ResearchMed
Fri Nov 02, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5217

Re: Brett Arends: Here's a simple way to beat a bear market

Agree completely IF one knows when the market will go south and stay south AND when it starts coming back up. His plan does not work if the market keeps going down when you are DCA. Good luck. Actually, IF one finds oneself in this situation, then even if one is DCA'ing while the market "keeps goin...
by ResearchMed
Fri Nov 02, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Have my first busted trades today
Replies: 33
Views: 3190

Re: Have my first busted trades today

Why not move the ETF shares from IRA to taxable "in kind"? No need to fret about pricing at all. Or does ML not allow that? You'd need to pay the taxes from some other source, or sell some of the ETF after transferring, for the taxes. RM Clarification -- I'm not actually taking a distribution. I ju...
by ResearchMed
Fri Nov 02, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Have my first busted trades today
Replies: 33
Views: 3190

Re: Have my first busted trades today

Why not move the ETF shares from IRA to taxable "in kind"?
No need to fret about pricing at all.

Or does ML not allow that?

You'd need to pay the taxes from some other source, or sell some of the ETF after transferring, for the taxes.

RM
by ResearchMed
Fri Nov 02, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Quick advice - 401(k) xfer via check - avoiding loss due to mkt fluctuation
Replies: 2
Views: 158

Re: Quick advice - 401(k) xfer via check - avoiding loss due to mkt fluctuation

I have 95K in SP500 in old employer 401(k) to be rolled into new employer 401(k) Process will likely take 1-2 wks; I request check, they mail to me, I mail to the new employer, they process, etc. In this market anything can happen in 1-2 weeks, so I want to preserve my AA while the transfer occurs....
by ResearchMed
Fri Nov 02, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Weight Training After 70
Replies: 33
Views: 2365

Re: Weight Training After 70

I am 73. Convalescence after two (2) major episodes of foot surgery restricted my activity level for nearly three (3) years. This resulted in loss of muscle strength in my lower body as well as my upper body. I have begun a regimen of weight-training to try to regain some lost muscle strength. I ha...
by ResearchMed
Fri Nov 02, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9296

Re: no dividends in index funds!

I wanted the quarterly dividends like I used to get with the blue chip stocks. It would just be additional income, often just at the right times. It was great to get a quarterly $800.00 dividend check. With the Index Funds I am lucky to get $300.00 quarterly for dividends.... If you need the extra ...
by ResearchMed
Thu Nov 01, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3013
Views: 591527

Re: What's Your Credit Card Rewards Strategy?

I was thinking of cancelling my oldest Amex Card (I have several others) -- I haven't used it in years. Amex says I've been a cardmember with them for 20+ years (because of that card), and they always greet with me with 'Thank you for being a loyal customer for n years" Would cancelling my oldest c...
by ResearchMed
Thu Nov 01, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3013
Views: 591527

Re: What's Your Credit Card Rewards Strategy?

You should be thinking beyond just the straight cashback %. You need to calculate the value of Citi's industry leading purchase protections. Price Rewind 2 year extended warranty Return protection Purchase protection Brand name clothing (especially shoes!!!!!!), Home Depot/Lowes purchases, Amazon p...
by ResearchMed
Thu Nov 01, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 78
Views: 6368

Re: What does the BH community do with their pets when they travel?

Cats are easier than dogs in this respect. Either way, another possibility if one doesn't need a live-in pet-sitter, is to see if a vet tech from your veterinarian's group might like to stop off before and after work (etc.) to check on pet, or walk it, etc. Such a person might even turn into a pet- ...