Search found 8009 matches

by ResearchMed
Tue Aug 05, 2014 4:30 pm
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 7182

Re: XC90

Forgot to mention, high salt usage here in the winters. NEVER any problem at all with rust, not with the previous Volvos or with the 10-year old XC90. We got it for safety, and still feel safe. (But we'd like some of the newer safety features, and that's another reason we might get something newer.)...
by ResearchMed
Tue Aug 05, 2014 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care - Group Policy Advice
Replies: 3
Views: 559

Re: Long Term Care - Group Policy Advice

Even if you stay with your current employer, if you don't continue the LTC group coverage, would you be able to start it again during "open enrollment"? That might not be something you (or your spouse) can select again, the way one can usually change types of health insurance. And if you can now, th...
by ResearchMed
Tue Aug 05, 2014 12:49 pm
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 7182

Re: XC90

We've got a 2004 XC90, and have had Volvos since 1969 (with a couple of years out for a single lemon of a Saab). Previous Volvo was a sedan, lasted 14 years, til the starter kept not starting, usually late at night in odd places. No one could find the problem. So I got an XC90, now 10 years old. I ...
by ResearchMed
Tue Aug 05, 2014 12:33 pm
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 7182

Re: XC90

We've got a 2004 XC90, and have had Volvos since 1969 (with a couple of years out for a single lemon of a Saab). Previous Volvo was a sedan, lasted 14 years, til the starter kept not starting, usually late at night in odd places. No one could find the problem. So I got an XC90, now 10 years old. I g...
by ResearchMed
Tue Aug 05, 2014 9:08 am
Forum: Personal Consumer Issues
Topic: Will global entry or TSA Precheck help me?
Replies: 27
Views: 2814

Re: Will global entry or TSA Precheck help me?

Regarding Global Entry, it took us quite a while to get an appointment for the in-person interview, after signing up online and paying the fee. Maybe they were unusually backed up, and that probably varies by location. We had understood that it would be a few weeks after the interview before we'd kn...
by ResearchMed
Tue Aug 05, 2014 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Should I worry about being audited?
Replies: 34
Views: 4060

Re: Should I worry about being audited?

IF the IRS does ever investigate, and determines there was purposeful tax evasion, you could get caught up in this, and it isn't likely to be pretty. How long has your mother been earning money "under the table", and how much has this been each year. You mention she'd been giving some to you for abo...
by ResearchMed
Mon Aug 04, 2014 5:09 pm
Forum: Personal Consumer Issues
Topic: Will global entry or TSA Precheck help me?
Replies: 27
Views: 2814

Re: Will global entry or TSA Precheck help me?

You are traveling internationally, so the Global Entry would seem to make more sense, if you can get it. (It's only slightly more than the Precheck, I think. $100 IIRC.) The fact that you were screened/fingerprinted/interviewed might make a big difference, or it might not. Or maybe sometimes yes, so...
by ResearchMed
Sun Aug 03, 2014 9:52 pm
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 12026

Re: Any other travel freaks?

The changes in air travel in the last few years makes it so much hassle that I would rather stay home. We have been doing some long distance driving when we have time. It has to be a pretty compelling reason to get me on an airplane anymore. A lot of the inconvenience of air travel can be mitigated...
by ResearchMed
Sun Aug 03, 2014 3:42 pm
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 7955

Re: High School Reunions--Have you attended?

I attended three different high schools and haven't attended one of their reunions. But I have attended several reunions of my 8th grade elementary school graduation class. I spent a lot of years with these folks and feel a lot closer to them than my high school acquaintances. If only my elementary...
by ResearchMed
Sun Aug 03, 2014 3:01 pm
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 16121

Re: Penny Wang -- Friend of the Bogleheads.

RM: Everyone makes mistakes (particularly when it involves the U.S. Tax Code). Penny Wang quickly admitted her mistake and has published a retraction. I know Ms. Wang. Penny is a very knowledgeable financial writer and a friend of the Bogleheads. This is one of her articles about the Bogleheads pub...
by ResearchMed
Sun Aug 03, 2014 2:09 pm
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 16121

Re: Stop Passing Up This Great Deal - In Money Magazine

Very knowledgeable tax writer, David Cay Johnson, had a twitter exchange with Penny Wang (author of the Money article you cite) that she had made a very flawed assumption that RMDs from traditional retirement funds would reduce SS benefits by 50% to 85%. She has tweeted back that she was wrong and ...
by ResearchMed
Sun Aug 03, 2014 12:46 pm
Forum: Personal Investments
Topic: Upcoming Retiree Portfolio Allocation (Mid-60's)
Replies: 13
Views: 2671

Re: Upcoming Retiree Portfolio Allocation (Mid-60's)

I would suggest not selling all of PrimeCap, because IF she changes her mind, that fund is closed to new investors (which includes "former investors" who no longer currently have any shares at all). She's making a big change, and it's probably wise not to do something that cannot be changed, not rig...
by ResearchMed
Sun Aug 03, 2014 9:26 am
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 4559

Re: Drought Management

Apparently the problem is that it doesn't allow the water to return to the aquifer or streams/rivers for others to use. That's just silly. Tons of gallons of water run off a residential roof during a mild rainstorm. The containers one would have to use to impact the aquifer or streams and rivers wo...
by ResearchMed
Sat Aug 02, 2014 6:54 pm
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 4559

Re: Drought Management

Apparently the problem is that it doesn't allow the water to return to the aquifer or streams/rivers for others to use. That's just silly. Tons of gallons of water run off a residential roof during a mild rainstorm. The containers one would have to use to impact the aquifer or streams and rivers wo...
by ResearchMed
Sat Aug 02, 2014 6:52 pm
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 10933

Re: How often do you replace bath towels?

I read (somewhere) that colored towels are less absorbent than plain white due to the dye taking up absorbent "room". My unscientific experience seems to confirm that, but I don't really know if it's true or not. That's our guess, but this one color is dramatically less absorbent than anything else...
by ResearchMed
Sat Aug 02, 2014 6:26 pm
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 4559

Re: Drought Management

If you can easily access your water meter you can do a self-audit. Track your meter readings daily and try to figure out how many gallons are going to each use. Make sure that your meter is stopped when you aren't using water. For example, check it before going to bed or leaving the house for the d...
by ResearchMed
Sat Aug 02, 2014 6:10 pm
Forum: Personal Consumer Issues
Topic: Arthur Murray Dance Lessons
Replies: 20
Views: 5125

Re: Arthur Murray Dance Lessons

To add to sscritic - You can compete a lot, or you can compete infrequently. We've done one comp a year or three, all local. Most of the (relatively few) others with the same instructor can be flying off every month (or more). Note that our "studio" is really just the one instructor and wife (they w...
by ResearchMed
Sat Aug 02, 2014 5:51 pm
Forum: Personal Consumer Issues
Topic: Arthur Murray Dance Lessons
Replies: 20
Views: 5125

Re: Arthur Murray Dance Lessons

asterix0 - About the cost... at least at the beginning, don't sign up for anything "monthly" (and definitely not "annual"). See how you REALLY like it first, and how much you do, increasing... or decreasing... Most instructors charge by the lesson (and by the length of lesson), and some give a disco...
by ResearchMed
Sat Aug 02, 2014 5:38 pm
Forum: Personal Consumer Issues
Topic: Arthur Murray Dance Lessons
Replies: 20
Views: 5125

Re: Arthur Murray Dance Lessons

ResearchMed, When you say then look for a DIFFERENT private instructor , do you mean different than the wedding instructor or somewhere other than Arthur Murray? I like the way you framed the different objectives for dancing. I think my wife and I are in the private interest/exercise camp. I am get...
by ResearchMed
Sat Aug 02, 2014 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: planning to travel a lot soon...how to build up points?
Replies: 14
Views: 4770

Re: planning to travel a lot soon...how to build up points?

Learn about how to make the best use of any points that you accumulate. There is a huge range of $$ per 1,000 points (or 10,000 points, etc.). The least effective use in airline travel is, usually, to make advance purchase domestic tickets. The "value" usually goes up from there, with domestic upgra...
by ResearchMed
Sat Aug 02, 2014 3:10 pm
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 10933

Re: How often do you replace bath towels?

I find the "luxurious" towels aren't really as absorbent as they should be, and seem to just move the water around. I think that means you are using too much fabric softener or dryer sheets. :) That's what I thought. [Well, no, not exactly. I didn't think that TomatoTomahto was using too much!] Whe...
by ResearchMed
Sat Aug 02, 2014 2:44 pm
Forum: Personal Investments
Topic: New Account Needed? [Moving Funds to Vanguard]
Replies: 5
Views: 667

Re: New Account Needed? [Moving Funds to Vanguard]

Schwab has a few decent mutual funds and ETF's, for starters. But I think they'll charge a "transaction fee" for every purchase or sale of a Vanguard mutual fund, and they'll charge for each purchase or sale of a Vanguard ETF (but less than for mutual funds). Do you have a special account with a lar...
by ResearchMed
Sat Aug 02, 2014 2:33 pm
Forum: Personal Consumer Issues
Topic: Arthur Murray Dance Lessons
Replies: 20
Views: 5125

Re: Arthur Murray Dance Lessons

Do you have any interest in being able to dance other than at DD's wedding? Are you enjoying it? Would you like to be able to go out dancing occasionally, socially? If not, then do the minimum for the wedding, and be done with it. If you DO enjoy it, and want to continue, either as a private hobby/e...
by ResearchMed
Sat Aug 02, 2014 6:54 am
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 26
Views: 3035

Re: Fidelity Customer Protection Guarantee

So if you give any of this information to your spouse or children, you lose the protection. Schwab seems less strict on this. To ensure your protection under this guarantee, it is your responsibility to: Safeguard your account access information. If you share this information with anyone, we’ll con...
by ResearchMed
Fri Aug 01, 2014 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 6337

Re: Best way to earn a pension

I can't imagine taking a job because of a pension, if I otherwise wouldn't want to spend years working in that job.

If it is to be a second career that you've *wanted* to do anyway, that's quite different, and would work well in both ways.

RM
by ResearchMed
Fri Aug 01, 2014 10:31 am
Forum: Investing - Theory, News & General
Topic: ? Best simple reference to dissuade a day trader
Replies: 67
Views: 7058

Re: ? Best simple reference to dissuade a day trader

Does the Day Trader WANT to be dissuaded or even entertain any alternate "strategies"?

Reminds me of the old light bulb joke:

"How many Martians does it take to change a light bulb?"


"It doesn't matter unless the light bulb WANTS to change."

RM
by ResearchMed
Thu Jul 31, 2014 8:58 am
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 6027

Re: HUFF POST: How Financially Literate Is the Investing Pub

What I'd like to know is, if the mutual funds investors are losing 4 points, who is getting that 4 points? People holding individual stocks? Institutional investors? Or does some of it go up in smoke to trade costs or tax drag (paying CG tax when swapping funds, for example)? They are losing it bec...
by ResearchMed
Thu Jul 31, 2014 8:36 am
Forum: Investing - Theory, News & General
Topic: The Boglehead-prisoner’s dilemma.
Replies: 33
Views: 6693

Re: The Boglehead-prisoner’s dilemma.

Johm221122 wrote:I'm suprised this isn't locked :?:

John
It's "cute", but I think there is real value here, humorous or not.

What SHOULD/COULD one do to "set it and forget it" with investments?
Isn't that the point?

RM
by ResearchMed
Thu Jul 31, 2014 8:34 am
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 6027

Re: HUFF POST: How Financially Literate Is the Investing Pub

What I'd like to know is, if the mutual funds investors are losing 4 points, who is getting that 4 points? People holding individual stocks? Institutional investors? Or does some of it go up in smoke to trade costs or tax drag (paying CG tax when swapping funds, for example)? They are losing it bec...
by ResearchMed
Thu Jul 31, 2014 8:19 am
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 6027

Re: HUFF POST: How Financially Literate Is the Investing Pub

I missed #12 too. The question was badly framed. Option #1: In any type of IRA or 401(k) account, all of the money in your account grows tax free is a semantic difference. It actually grows tax-deferred. However, there is no "tax-deferred return" indicated on your quarterly 401k statements. The num...
by ResearchMed
Wed Jul 30, 2014 7:46 am
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 48
Views: 20920

Re: Anyone Switched to Vanguard Account Upgrade?

You’ll no longer be able to receive Vanguard fund distributions by check, by automatic transfer to your bank account, or by automatic reinvestment into another Vanguard fund. If you currently use these services, after the upgrade we’ll move the Vanguard fund distributions to your settlement fund. S...
by ResearchMed
Tue Jul 29, 2014 4:45 pm
Forum: Personal Consumer Issues
Topic: Advice on Keeping Inexpensive Long Term Care Policy
Replies: 7
Views: 996

Re: Advice on Keeping Inexpensive Long Term Care Policy

$200 a year ? For >$100k in total coverage? Assuming the insurer isn't about to go under, and there's no known huge increase coming up, this sounds like as close to a no-brainer as one could imagine, in insurance. The one thing to check, if it's even possible, is whether the insurer has a history of...
by ResearchMed
Tue Jul 29, 2014 4:21 pm
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 48
Views: 20920

Re: Anyone Switched to Vanguard Account Upgrade?

We couldn't get it to work, for DH, who has several accounts, including IRA and 403b (both Employer and Employee contributions, separately). However, it worked right away for my IRA. As far as I can tell, it isn't much more than an "appearance' issue, although "just barely". The "money market" sweep...
by ResearchMed
Tue Jul 29, 2014 2:55 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 26
Views: 3035

Re: Fidelity Customer Protection Guarantee

Vanguard always makes things so incredibly hard. If you get full trading authorization at Fidelity, the other person's account shows up on your OWN portfolio page. Very handy! So you can trade the other person's account using your own log-in credentials. You can do this at Vanguard too. No can do, ...
by ResearchMed
Tue Jul 29, 2014 2:39 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 26
Views: 3035

Re: Fidelity Customer Protection Guarantee

So that bank is letting you move the money (that was supposed to be in a trust) "as though" it is NOT in a trust, because they've lost the paperwork - without asking you for copies of it? Having you file NEW trust docs could end up with something totally different from the original terms, no? Yikes...
by ResearchMed
Tue Jul 29, 2014 1:31 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 26
Views: 3035

Re: Fidelity Customer Protection Guarantee

Maybe we should move much more to Fidelity... Do they allow a *REAL* Power of Attorney? RM I'm not sure. I haven't looked into that yet. But I am finding trusts and POAs are full of landmines these days. I was going to sign up for POA at a bank where the account was supposedly in the family trust. ...
by ResearchMed
Tue Jul 29, 2014 1:02 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 26
Views: 3035

Re: Fidelity Customer Protection Guarantee

Vanguard always makes things so incredibly hard. If you get full trading authorization at Fidelity, the other person's account shows up on your OWN portfolio page. Very handy! So you can trade the other person's account using your own log-in credentials. Yup, as the Staples' ads say, "Ding, ding, t...
by ResearchMed
Tue Jul 29, 2014 12:37 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 26
Views: 3035

Re: Fidelity Customer Protection Guarantee

Later, DH gets a letter (yes, a really, paper letter) notifying him that "someone" was accessing his account inappropriately. Given that no one else knows any of the passwords, not even our attorneys or accountant, etc., and nothing was ever "changed" - except by Vanguard! - we knew the "someone" w...
by ResearchMed
Tue Jul 29, 2014 12:16 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 26
Views: 3035

Re: Fidelity Customer Protection Guarantee

Later, DH gets a letter (yes, a really, paper letter) notifying him that "someone" was accessing his account inappropriately. Given that no one else knows any of the passwords, not even our attorneys or accountant, etc., and nothing was ever "changed" - except by Vanguard! - we knew the "someone" w...
by ResearchMed
Tue Jul 29, 2014 11:45 am
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 26
Views: 3035

Re: Fidelity Customer Protection Guarantee

How would they find out that your spouse had your password unless you told them? Plus, my uneducated guess is that if it went to court, they'd lose. Spouses get to know almost anything. But I emphasize again that this is an uneducated guess. It gets even more weird (as a few of us have discussed el...
by ResearchMed
Tue Jul 29, 2014 11:17 am
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 26
Views: 3035

Re: Fidelity Customer Protection Guarantee

Never share your user name, password, or other account-related information with anyone. So if you give any of this information to your spouse or children, you lose the protection. Yup, Vanguard's "exclusions" also seem to apply to someone operating with an AUTHORIZATION such a their own Agent Autho...
by ResearchMed
Mon Jul 28, 2014 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: How well integrated is a VBS account on the Vanguard page?
Replies: 11
Views: 1025

Re: How well integrated is a VBS account on the Vanguard pag

It does seem like it would be a little messy, but at least I would get one step closer to having everything viewable on one page. My only other concern is about the quality of vbs...but I assume for as little as I buy stocks or etfs, the various gripes I've read about on this forum would probably n...
by ResearchMed
Mon Jul 28, 2014 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: How well integrated is a VBS account on the Vanguard page?
Replies: 11
Views: 1025

Re: How well integrated is a VBS account on the Vanguard pag

When you write there are two mutual fund "accounts", do you mean you have one Vanguard account with two different mutual funds in it? Or is each actually a separate account with different account numbers. Are these both Vanguard mutual funds? What kind of account is this? We've noticed that 403b acc...
by ResearchMed
Mon Jul 28, 2014 11:14 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 5031

Re: Kitchen Remodel... Or Not?

How "bad" is the current kitchen? Usable, but doesn't make us want to spend time in it. Somewhat unsightly and... dingy. We don't regret a thing EXCEPT that we should have done it almost as soon as we moved in. This is one reason we're attacking this now instead of waiting. Hmmm... your second poin...
by ResearchMed
Mon Jul 28, 2014 10:27 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 5031

Re: Kitchen Remodel... Or Not?

Can I ask why you need to move in 5-10 years? Sure... nothing imminent, but I expect any of the following could cause us to move, and I believe the mostly likely timeframe for any one of these is ballpark 10 years (in order of likelihood): 1) we don't have any family in the area and the fact that f...
by ResearchMed
Mon Jul 28, 2014 10:18 am
Forum: Personal Consumer Issues
Topic: "Matrix" Class Action Suit (unsolicited fax)
Replies: 1
Views: 686

"Matrix" Class Action Suit (unsolicited fax)

Just received a... fax... about a supposed class action suit filed because faxes had been sent unsolicited ... to our fax number, the same one just used. Is this another scam, so we look online for the form to complete, etc.? The claim is that "Matrix" faxed advertisements in violation of the "feder...
by ResearchMed
Mon Jul 28, 2014 8:50 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 5031

Re: Kitchen Remodel... Or Not?

Who spends the most time in the kitchen? How "bad" is the current kitchen? If there would be a serious improvement in usage (time and especially enjoyment), that is probably a large proportion of hours, if someone is cooking (and cleaning up) for a family. We spent much more than "necessary" on our ...
by ResearchMed
Mon Jul 28, 2014 7:40 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 5031

Re: Kitchen Remodel... Or Not?

We ENJOY this every single day. We never regretted a thing about it. We also never expect to "get it back on resale". This! We have an East Coast 100 yo home also. We renovated/added on a few times. We love the house and it gives us pleasure. In this mostly tasteless environment, the eventual purch...
by ResearchMed
Mon Jul 28, 2014 5:59 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel, cost per square foot
Replies: 22
Views: 8547

Re: Bathroom remodel, cost per square foot

I'm not sure that measuring cost per square foot is the most useful tool. A small apartment-sized bathroom (single sink, toilet, tub/shower combo) will have most of the floor space used by the fixtures, and thus be relatively "expensive" per square foot. A larger bathroom that is still a "simple bat...
by ResearchMed
Mon Jul 28, 2014 5:09 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 5031

Re: Kitchen Remodel... Or Not?

We faced this type of issue, in an ~100 year old house (not quite, but almost there), but with the bathrooms. We LOVE this house. It's called the "fairy tale house" or "Hansel & Gretel" house by some, and we've had taxi drivers get out to snap a photo (!?). DH had been looking for several years, dis...