Search found 7319 matches

by ResearchMed
Sat Nov 16, 2013 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Evil mother in law property
Replies: 31
Views: 3387

Re: Evil mother in law property

A couple of early questions: What is the "market value" rent for a similar size property in the neighborhood? (You can probably arrange to adjust it up or down, depending on specifics such as condition - exterior, interior, appliances, etc. - and location.) If you are renting to a relative at BELOW...
by ResearchMed
Sat Nov 16, 2013 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard bond funds
Replies: 5
Views: 1538

Re: vanguard bond funds

Good question - I'm not entirely sure if IRA money can be deposited while still having earned income at age 71. That was a slip on my part. I know that (at least in some cases) the 403b money (Employer or Employee) CAN still be contributed. However, at least in our case, we can NOT get it out while ...
by ResearchMed
Sat Nov 16, 2013 3:21 pm
Forum: Personal Consumer Issues
Topic: Neighbor's vehicle caused property damage
Replies: 10
Views: 2851

Re: Neighbor's vehicle caused property damage

And while you are at it, have them get you a nice, new tree - or several smaller ones. I assume that the tree provided shade, or added street appeal (value) to your home, etc. That's part of the damages you incurred. Likewise any new sod, if a car was skidding across your yard. You shouldn't make a ...
by ResearchMed
Sat Nov 16, 2013 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard bond funds
Replies: 5
Views: 1538

Re: vanguard bond funds

You mention that you are still putting money into the 403b from your work? Do you really have access to that money before retirement? Just double check if you plan to have that be considered any sort of emergency money. At 71, there would be no penalty to withdraw from an IRA, so you might want to c...
by ResearchMed
Sat Nov 16, 2013 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property: the Mrs. Murphy Exemption
Replies: 7
Views: 2738

Re: Rental property: the Mrs. Murphy Exemption

You might get more responses on a LL website, such as the unfortunately named "mrlandlord.com" forum. Having said that, it can be nerve racking to be selecting a new tenant, especially one who will live next door to you. How many bedrooms does your rental unit have? Good screening will help tremend...
by ResearchMed
Sat Nov 16, 2013 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Evil mother in law property
Replies: 31
Views: 3387

Re: Evil mother in law property

A couple of early questions: What is the "market value" rent for a similar size property in the neighborhood? (You can probably arrange to adjust it up or down, depending on specifics such as condition - exterior, interior, appliances, etc. - and location.) If you are renting to a relative at BELOW ...
by ResearchMed
Wed Nov 13, 2013 2:27 pm
Forum: Personal Consumer Issues
Topic: Morbidity
Replies: 33
Views: 3156

Re: Morbidity

Hoping not to give offense to any Christian Scientists reading this... When I was in college, I subscribed to "The Christian Science Monitor" because in those days it was a first-rate newspaper, arguably better than the Boston Globe and certainly less provincial. One day my parents called me and my...
by ResearchMed
Wed Nov 13, 2013 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Dying with $1 in Pocket
Replies: 52
Views: 4254

Re: Dying with $1 in Pocket

Most posters here seem to be assuming that OP's FIL was fully in control of "things". With literally one dollar, but "All those treasures he spent most of his last few year's of income" ? There may have been some sort of cognitive decline. This is NOT to fault OP's family for "not noticing". As our ...
by ResearchMed
Wed Nov 13, 2013 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Dying with $1 in Pocket
Replies: 52
Views: 4254

*HOARDING* situation? Re: Dying with $1 in Pocket

FIL recently passed with a one dollar bill in his pocket. Due to some nagging on my part, a power of attorney and will were in place. His social security stopped before his last bills could be paid--he had a shell game going for what bills he paid and when, not one penny saved. All those treasures ...
by ResearchMed
Tue Nov 12, 2013 5:03 pm
Forum: Personal Consumer Issues
Topic: The Boglehead View on Squirrels
Replies: 112
Views: 10200

Re: The Boglehead View on Squirrels

The *Boglehead* view?

The squirrels should continue to add acorns to their underground vault savings, and not eat/squander too much each summer.

What else could we advise!?

RM
by ResearchMed
Tue Nov 12, 2013 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Planning my death
Replies: 41
Views: 4194

Re: Planning my death

Words to the wise that we all know to be true: It's not 'if I were to die', it's 'when I die'. And maybe OP could retitle something like "Planning finances for after my death", etc.? I was initially startled to see a topic about euthanasia here. :shock: NOT at all sure how it would fit with the "mu...
by ResearchMed
Tue Nov 12, 2013 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Planning my death
Replies: 41
Views: 4194

Re: Planning my death

Words to the wise that we all know to be true: It's not 'if I were to die', it's 'when I die'. And maybe OP could retitle something like "Planning finances for after my death", etc.? I was initially startled to see a topic about euthanasia here. :shock: NOT at all sure how it would fit with the "mu...
by ResearchMed
Mon Nov 11, 2013 2:00 pm
Forum: Personal Consumer Issues
Topic: small luxury SUV options? EDIT: the hunt is over
Replies: 31
Views: 4799

Safety of SUV's (older Volvo, at least)

livesoft - We would love to get the Lexus, but there aren't any in our self-selected price range with what we consider a reasonable amount of miles on them. That is, I'm sure, because they are great cars that everyone loves and drives into the ground - which makes them hard to find. We are an the h...
by ResearchMed
Mon Nov 11, 2013 12:54 pm
Forum: Personal Consumer Issues
Topic: small luxury SUV options? EDIT: the hunt is over
Replies: 31
Views: 4799

Re: comments on small luxury SUV options? Want safer auto.

We are currently driving a loaner Volvo XC60 (T6) while our 2004 XC90 (T4) is having its suddenly-faulty little locking system have some surgery or something, plus a few other little things needing attention. It is a VERY zippy critter, with a more harsh/sporty ride than we expected (still trying to...
by ResearchMed
Mon Nov 11, 2013 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: discretionary spending per month
Replies: 54
Views: 6597

Re: discretionary spending per month

One person's discretionary expense is another's fixed expense. Yes. For "budgeting" purposes (in reality or mentally - I'm not sure what the purpose of this exercise is), it would probably make sense to separate out some sort of minimum amount necessary for very basic food, and a small amount for "...
by ResearchMed
Sun Nov 10, 2013 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Dan Wiener Independent Advisor for Vanguard Investors
Replies: 45
Views: 14980

Re: Dan Wiener Independent Advisor for Vanguard Investors

Welcome. IF you decide to subscribe, do wait for a $99/yr offer. [Someone might be able to provide you with a special code. But if you click for "more information", and they've got your e-address, you'll start getting "invites", and then better offers, and then "special offers", and then "special fi...
by ResearchMed
Sat Nov 09, 2013 5:45 pm
Forum: Personal Consumer Issues
Topic: How much is too much for a surprise gift (a trip)?
Replies: 22
Views: 1794

Re: How much is too much for a surprise gift (a trip)?

letsgobobby wrote:i think i should let you take over my husband duties, you've clearly got this all figured out! do you provide this service for a fee? in other words, can i outsource?
Interesting...

How can I take this to Shark Tank???

RM
by ResearchMed
Sat Nov 09, 2013 5:04 pm
Forum: Personal Consumer Issues
Topic: How much is too much for a surprise gift (a trip)?
Replies: 22
Views: 1794

Re: How much is too much for a surprise gift (a trip)?

If my SO had a lot more money than I do, I would not be concerned about his spending on a gift. If the gift was going to cost me half the price, i would like to be consulted :-) We're married, so it is our money. I think I should not play the who makes most of it game. Bobby, in all seriousness, if...
by ResearchMed
Sat Nov 09, 2013 3:37 pm
Forum: Personal Consumer Issues
Topic: How much is too much for a surprise gift (a trip)?
Replies: 22
Views: 1794

Re: How much is too much for a surprise gift (a trip)?

I agree, that was an excellent and very helpful post RM. Thank you. I'll do the initial planning then and give her lots of advance notice (many months) to share in the 'anticipation' experience (which I'm already getting!) and also - in case she doesn't like the details - far enough in advance that...
by ResearchMed
Sat Nov 09, 2013 11:53 am
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 400
Views: 84481

Re: VBS upgrade roll out has started

I believe that there are different registration/licensing(?) requirements for stocks vs. mutual funds. Salary costs could increase. You could buy mutual funds at VBS before; you just couldn't buy Vanguard mutual funds. As I understand it, this change is simply to allow one to hold VG mutual funds i...
by ResearchMed
Sat Nov 09, 2013 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard personal rate of return
Replies: 23
Views: 3922

Re: Vanguard personal rate of return

OK, let me add more "insight": Perhaps the computer that computes PRR was upgraded to a new operating system (say from 32-bit CentOS to 64-bit CentOS) and the program to calculate PRR is a 32-bit program that needs 32-bit shared object libraries that were not installed with the new OS. Or maybe the...
by ResearchMed
Sat Nov 09, 2013 10:38 am
Forum: Personal Consumer Issues
Topic: How much is too much for a surprise gift (a trip)?
Replies: 22
Views: 1794

Re: How much is too much for a surprise gift (a trip)?

I enjoy surprises OF CERTAIN KINDS, and not at all others. Travel is something I only partly joke about this way: I get 2 or 3 trips for the price of one! I LOVE the planning, the anticipation, and I spend a lot of time doing research, comparing choices (mode of travel, lodging, side-trips, routing,...
by ResearchMed
Sun Nov 03, 2013 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Scared of early withdrawal penalties
Replies: 14
Views: 1268

Re: Scared of early withdrawal penalties

Because the contributions (not earnings/returns) on the Roth CAN be withdrawn with no penalty, in our mind, that is a good opportunity to do TWO things: 1) Maximize each year's tax-deferred contribution, because once the year is over, that opportunity is lost forever, and the next year's tax-deferre...
by ResearchMed
Fri Nov 01, 2013 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Feeling like I am forced to contribute more to retirement?
Replies: 82
Views: 8161

Re: Feeling like I am forced to contribute more to retiremen

I only maxed my tax-sheltered contributions for about the last 5 yrs before retirement. And I was late getting the boglehead frame of mind tho I wasn't TOO far removed from it. A balance of family-related expenditures vs long-term savings is a good idea for many of us. Very few folks start out savi...
by ResearchMed
Wed Oct 30, 2013 1:23 pm
Forum: Personal Consumer Issues
Topic: Any one use Truecar.com?
Replies: 19
Views: 4888

Re: Any one use Truecar.com?

Use Truecar as one of your price research tools. Then go into the dealer and offer less than that. Since the dealers know all about Truecar, Costco, and all the other no-haggle price options, you can bet you're going to pay more through them than if you haggle the price on your own. I recently went...
by ResearchMed
Wed Oct 30, 2013 12:27 pm
Forum: Personal Consumer Issues
Topic: Any one use Truecar.com?
Replies: 19
Views: 4888

Re: Any one use Truecar.com?

My wife and I have decided to buy a Prius (don't ask). I am gearing up for the email negotiation and saw that the website Truecar.com provides a no-negotiation price quote and a certificate that "guarantees" that price. In theory, the process is go to dealership, present the coupon, and buy the car...
by ResearchMed
Wed Oct 30, 2013 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Milestones - Would you have reached it without the "extra"?
Replies: 58
Views: 5115

Re: Milestones - Would you have reached it without the "extr

Grt2bOutdoors wrote: ... to reach the 2 digit club...
:happy

RM
by ResearchMed
Tue Oct 29, 2013 1:28 pm
Forum: Personal Consumer Issues
Topic: Alaska Cruise
Replies: 19
Views: 2285

Re: Alaska Cruise

Make sure that you notify the cruise line in advance of the vegetarian dietary needs, to make sure it is handled as easily as possible. On most of the large cruise ships these days, they are set up to accommodate a variety of special dietary needs, including actual allergies (but those who have seri...
by ResearchMed
Tue Oct 29, 2013 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance Question: amount of coverage?
Replies: 8
Views: 858

Re: Travel Insurance Question: amount of coverage?

Check with TripInsuranceStore.com We've recently switched to them. They offer just about all of the different policies from various insurers that you'd want to consider, and they are incredibly helpful with questions just like this. CALL THEM, don't just go to their website. They'll explain when you...
by ResearchMed
Thu Oct 24, 2013 7:31 am
Forum: Personal Consumer Issues
Topic: 1930's silverware - determining silver or silver plate?
Replies: 10
Views: 4058

Re: 1930's silverware - determining silver or silver plate?

If you've got a full set of one pattern, or almost a full set (as opposed to bits and pieces from lots of different sets), you still might want to contact Replacements.com You can probably email them a photo of one piece so they can ID the pattern and see if they are interested. They don't pay much ...
by ResearchMed
Fri Oct 18, 2013 11:20 am
Forum: Personal Consumer Issues
Topic: Front load washer and dryer pedestals - like them?
Replies: 33
Views: 10447

Re: Front load washer and dryer pedestals - like them?

For future reference -- on many dryers, the swing direction of the door is reversible. ....[/quote] Thanks, but that wouldn't help with the door on the washer, which would still cause the same problem. And even if the washer door was reversible, we'd be concerned about not getting quite the right se...
by ResearchMed
Fri Oct 18, 2013 11:16 am
Forum: Investing - Theory, News & General
Topic: Chart of ALL Vanguard Funds w Mins & ERs?
Replies: 3
Views: 507

Re: Chart of ALL Vanguard Funds w Mins & ERs?

The minimums for Admiral shares follow a simple rule. For index funds Admiral shares require $10K, for actively managed funds the Admiral shares require $50K. To see if an Admiral share class exists, if you open up the Investor class share fund, it will tell you also available as Admiral shares. If...
by ResearchMed
Fri Oct 18, 2013 10:28 am
Forum: Investing - Theory, News & General
Topic: Chart of ALL Vanguard Funds w Mins & ERs?
Replies: 3
Views: 507

Chart of ALL Vanguard Funds w Mins & ERs?

Can anyone suggest a way to view ALL of the Vanguard Mutual Funds (including both Investor and Admiral categories when both exist), so one can see the minimum initial investments? Including the expense ratios would be nice, but those, at least, are available in one large chart, one that doesn't incl...
by ResearchMed
Fri Oct 18, 2013 8:39 am
Forum: Personal Consumer Issues
Topic: Front load washer and dryer pedestals - like them?
Replies: 33
Views: 10447

Re: Front load washer and dryer pedestals - like them?

I don't have the pedestals, I sort of wish I did. Our thought was we could buy them later if my wife wanted them. She has never asked for them. What really irks me though is that my dryer is on the left of my washer (sink is on the right, hence the washer on the right), and the washer door opens to...
by ResearchMed
Fri Oct 18, 2013 8:31 am
Forum: Personal Consumer Issues
Topic: Front load washer and dryer pedestals - like them?
Replies: 33
Views: 10447

Re: Front load washer and dryer pedestals - like them?

We just couldn't see paying the cost for them - too high a percentage of the washer and dryer themselves for... two big empty drawers. It would have been nice to get the front-loading doors a bit higher, but that cost was simply objectionable. We are willing to pay extra for "convenience", but this ...
by ResearchMed
Thu Oct 17, 2013 5:28 pm
Forum: Investing - Theory, News & General
Topic: Does a desire not to leave a legacy affect SWR?
Replies: 15
Views: 1770

Re: Does a desire not to leave a legacy affect SWR?

Don't annuitize ALL of it. You might need a lump some for unexpected and reasonably large health-care costs, some other type of emergency or urgent need (a new roof, car, or "whatever"), or just something frivolous. That's part of the reason it's really hard to arrange finances so "the last check bo...
by ResearchMed
Wed Oct 16, 2013 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Percentage of workers taking soc. sec at different ages
Replies: 20
Views: 2934

Re: Percentage of workers taking soc. sec at different ages

What about those who started taking Social Security payments at ages 67, 68, 69, or 70? Or at age 65? I'm surprised there isn't a bigger "bump" at FRA. But wasn't that 65 for most earlier cohorts? I'm not surprised at the relatively large percentage starting at age 62, but this adds to 99.4%; is thi...
by ResearchMed
Sat Oct 12, 2013 1:27 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Ins.
Replies: 18
Views: 1612

Re: Trip Cancellation Ins.

I keep waiting for them to start selling reinsurance to consumers on these consumer insurance policies. Maybe the insurance company issuing the policy will go bankrupt. Upping the scam even more. Life has risk and it isn't cost effective to mitigate all the risks with insurance. There was a cartoon...
by ResearchMed
Sat Oct 12, 2013 12:57 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Ins.
Replies: 18
Views: 1612

Re: Trip Cancellation Ins.

It's a good idea to fly in at least a day in advance, so if your flight is delayed or you miss connections, etc., you don't also miss the ship. If you purchase the airfare through the cruise line, they usually (but CHECK!) will make sure, if there is a "miss", to get you to the next port at their ow...
by ResearchMed
Sat Oct 12, 2013 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Social Security question about Restricted Application
Replies: 27
Views: 4532

Re: Social Security question about Restricted Application

Make sure you understand the implications for your wife if she begins SS at age 62. Her own payments would have increased quite a bit if she had waited until age 70. (There are many arguments elsewhere on this forum about the pros/cons of waiting. One consideration most agree on is if someone isn't ...
by ResearchMed
Sat Oct 12, 2013 9:44 am
Forum: Personal Consumer Issues
Topic: Trip Cancellation Ins.
Replies: 18
Views: 1612

Re: Trip Cancellation Ins.

FIRST: Take a look at CruiseCritic.com You'll find a Forum much like this one, for each cruise line, and also for other topics including travel insurance, and airfare, plus ports of call and "what to do/see" recommendations. There are some advantages of getting travel insurance through the cruise co...
by ResearchMed
Fri Oct 11, 2013 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Home Builder backing out?
Replies: 9
Views: 2035

Re: Home Builder backing out?

They should be able to close on the property and have the funds held in escrow. The funds will either be released by agreement between the builder and investor or court order. This should not impact the buyer at all. This ^ ... assuming that the remaining balance (after any deposits already paid) w...
by ResearchMed
Wed Oct 09, 2013 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fair or not [Financially supporting one child over another]
Replies: 57
Views: 5267

Re: Fair or not

Playing favorites (in affection, money, attention, etc) is something that would echo through your kids lives. Total lose-lose. One: this too shall pass - you need a VERY MUCH longer view. Two: You want to make this worse and make your kids end up hating each other? Keep thinking like this and act o...
by ResearchMed
Wed Oct 09, 2013 9:53 am
Forum: Personal Consumer Issues
Topic: Bought airlines tickets now found cheaper ones
Replies: 58
Views: 5931

Re: Bought airlines tickets now found cheaper ones

You might feel better thinking about your long-term strategy of looking for inexpensive, non-refundable tickets. If your plans don't usually change, and these tickets are typically much less than the refundable tickets, then long-term, you are probably coming out far ahead, even if *occasionally* yo...
by ResearchMed
Wed Oct 09, 2013 7:54 am
Forum: Personal Consumer Issues
Topic: Lead paint inspection prior to home purchase?
Replies: 18
Views: 3628

Re: Lead paint inspection prior to home purchase?

There is another concern for lead paint, if the house was built while lead paint was being used. (I'm forgetting the date it wasn't used in home construction in all? most? of the USA - maybe 1976 or so?). IF you ever want to rent the house, your local jurisdiction may have laws requiring testing. It...
by ResearchMed
Sun Oct 06, 2013 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: AXA Accumulator Elite Annuity
Replies: 25
Views: 7360

Re: AXA Accumulator Elite Annuity

Isn't a comparison what a single payment DEFERRED Annuity, lump payment now for ~$1,700/month starting in 2021, would cost the OP, rather than what an immediate annuity of "today's" $1,700/month would currently cost someone of an older age? Another consideration is that with inflation so low, ladder...
by ResearchMed
Sat Sep 28, 2013 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Living in real estate partially owned by my IRA
Replies: 15
Views: 2278

Re: Living in real estate partially owned by my IRA

If it is a two family (which would be titled as a single property) this would almost definitely not work. IF, on the other hand, you were able to arrange to split them into two condos (or other separate entities), before closing, then it could work. You'd still have the problem getting a mortgage fo...
by ResearchMed
Fri Sep 27, 2013 9:51 pm
Forum: Personal Consumer Issues
Topic: Economical car buy
Replies: 8
Views: 1277

Re: Economical car buy

She totaled her car?

First question is whether she is safe driving herself?
(There are plenty of ways cars get totaled that do NOT mean the driver isn't safe. But could be something to check on.)

RM
by ResearchMed
Fri Sep 27, 2013 9:45 pm
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 12654

Re: Dog can't walk on hardwood floors

How about some cheap area rugs and throw rugs? +1 Within 2 days the dog will be walking on the rugs. Put Long rugs along the dog's favorite paths (e.g. from the dog bed to the front door) and your dog will thank you. Yes, you can get some long runners, and put them along the paths your dog uses or ...
by ResearchMed
Tue Sep 24, 2013 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Suspending SS after three years of collecting
Replies: 26
Views: 2167

Re: Suspending SS after three years of collecting

Most of the above discussions assume a single person. The calculations change for many people who are married, if one spouse earns more than the other (up to the SS ceiling). For someone married, IF the other spouse has no SS or a SS benefit that is less than 1/2 the higher earner's maximum benefit ...