Search found 6982 matches

by ResearchMed
Tue Sep 08, 2009 5:08 pm
Forum: Personal Consumer Issues
Topic: Driving Tour- Vancouver, BC to San Francisco, CA
Replies: 25
Views: 4066

Approximately how much time will they have?

That would help us figure out if there are side trips off I-5 that make sense, etc.

RM
by ResearchMed
Tue Sep 08, 2009 11:19 am
Forum: Personal Consumer Issues
Topic: Staying logon-ed to Vanguard site for longer than 15 minutes
Replies: 16
Views: 2715

Despite what Vanguard may claim (and obviously I can speak only about the specific computers we have *used*, not "all computers", but I don't think ours are treated in any different way), it has nothing to do with after your computer is inactive for 15 minutes It's whether you are active on the VANG...
by ResearchMed
Tue Sep 08, 2009 10:23 am
Forum: Investing - Theory, News & General
Topic: Recession’s End Jane Bryant Quinn blog
Replies: 16
Views: 3111

Jeffyscott makes a good point, one that I think keeps being overlooked - and maybe deserves its own Topic (?): This seems to imply something like: one has all their money in stocks and then converts it to cash on the day they retire. Even IF someone just approaching, or recently starting, retirement...
by ResearchMed
Tue Sep 08, 2009 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Reality hits TIAA Real Estate
Replies: 123
Views: 29243

Ok, thanks guys, I believe I will move the other half of my TREA into the M'Mkt. Good move! I left a relatively small position in TREA, after moving much of it out before the majority of the decline. That turned out to be a mistake. I lost as much on the now 7% remaining in that fund than I earned ...
by ResearchMed
Tue Sep 08, 2009 9:58 am
Forum: Investing - Help with Personal Investments
Topic: M* X-ray and CREF funds?
Replies: 13
Views: 1990

Like Ray, I've been with TIAA since 1968 (and Vanguard, as well, since the early 80s). As with any company (including VG), there have been glitches, but the investment seminars sponsored by T/C throughout my career and now the services from the WMAs have been largely excellent. T/C and VG make for ...
by ResearchMed
Tue Sep 08, 2009 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Moving money from IRA to purchase land as investment
Replies: 6
Views: 1382

There are a few custodians that specialize in this sort of thing. Not surprisingly, they also assist (sometimes) with mortgages. However, the percentage required for down payment is usually several times as much as would be the case outside an IRA (can be as high as 50%). The IRA owner can't derive...
by ResearchMed
Tue Sep 08, 2009 9:06 am
Forum: Personal Consumer Issues
Topic: Men's Dress Shoes
Replies: 75
Views: 15232

OT Question: How the heck do people wear dress shoes with non-rubber soles (I guess they're leather but sort of look like wood) and not fall on their butts when walking on anything other than sidewalks/pavement with a lot of grit? I have a pair of Cole Haan shoes with non-rubber soles that I wear p...
by ResearchMed
Mon Sep 07, 2009 10:00 pm
Forum: Personal Consumer Issues
Topic: Nigerian scam hits vacation rentals
Replies: 3
Views: 1330

Re: Nigerian scam hits vacation rentals

For those of you who have vacation rental properties, or are thinking of renting a property online, here's a heads-up: http://www.wtop.com/?nid=598&sid=1756929 Tim had found a fantastic vacation rental online in North Topsail Beach, N.C. He could see the pictures, read the text, and it all looked g...
by ResearchMed
Mon Sep 07, 2009 9:07 pm
Forum: Personal Consumer Issues
Topic: Men's Dress Shoes
Replies: 75
Views: 15232

My husband has been wearing Allen Edmonds "dress shoes' for many, many years. And in that time, not too many different pairs, either. He brings them back to the store for re-soling, and when they come back, they look like brand new shoes, but slightly broken in, so more comfortable :wink: He's now a...
by ResearchMed
Mon Sep 07, 2009 8:36 pm
Forum: Personal Consumer Issues
Topic: Nigerian scam hits vacation rentals
Replies: 3
Views: 1330

Re: Nigerian scam hits vacation rentals

For those of you who have vacation rental properties, or are thinking of renting a property online, here's a heads-up: http://www.wtop.com/?nid=598&sid=1756929 Tim had found a fantastic vacation rental online in North Topsail Beach, N.C. He could see the pictures, read the text, and it all looked g...
by ResearchMed
Mon Sep 07, 2009 4:14 pm
Forum: Personal Consumer Issues
Topic: furnace gas smell but no carbon monoxide
Replies: 31
Views: 35637

but i would smell a gas leak. there is no smell, and no sound... only when the unit is operating. also when the furnace tech came out (although he spoke russian or some slavik language) he said it was "fine". i think i got hosed for my 50 bucks through my insurance for the trouble call. I guess i w...
by ResearchMed
Mon Sep 07, 2009 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: M* X-ray and CREF funds?
Replies: 13
Views: 1990

Thanks, House Blend. We have been in the process of moving most of our TIAA-CREF money to Vanguard, and I'm trying to figure out what the best choices might be, given that we are, in a way, "starting over". It's all tax-deferred, so at least taxes aren't a consideration, in terms of liquidating or o...
by ResearchMed
Mon Sep 07, 2009 11:24 am
Forum: Investing - Theory, News & General
Topic: The Death of Efficient Market Theory?
Replies: 66
Views: 8250

What we are experiencing now is theoretically impossible. The economy cannot be doing what it is doing. This crisis cannot be happening-- our models forbid it
Valuethinker -

What a relief!
Why didn't you tell us sooner?

:twisted:

RM
by ResearchMed
Mon Sep 07, 2009 10:54 am
Forum: Investing - Help with Personal Investments
Topic: M* X-ray and CREF funds?
Replies: 13
Views: 1990

I sometimes use X-Rays to get a view of some fund or ETF, or a combination, but trying to use it with TIAA Traditional or Real Estate is like trying to fit a square peg into a round hole. I definitely don't use it to monitor my portfolio, and have zero interest in using any on-line service for that...
by ResearchMed
Mon Sep 07, 2009 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Moving money from IRA to purchase land as investment
Replies: 6
Views: 1382

There are a few custodians that specialize in this sort of thing.
Not surprisingly, they also assist (sometimes) with mortgages. However, the percentage required for down payment is usually several times as much as would be the case outside an IRA (can be as high as 50%).

RM
by ResearchMed
Sun Sep 06, 2009 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: M* X-ray and CREF funds?
Replies: 13
Views: 1990

Thanks. Wouldn't the Trad Ann be more like cash? We're a couple of years into the 9 year + 1 day process of spinning it out at approx 10% per year. It just isn't cash that we can DO anything with... yet. The other positions at CREF are quite small, relative to the others, so I guess I'll just leave ...
by ResearchMed
Sun Sep 06, 2009 6:48 pm
Forum: Investing - Theory, News & General
Topic: Investment Bankers at it Again
Replies: 22
Views: 3598

Re: SCAM SCAM SCAM SCAM!

1. Theoretically legitimate profits from this scam depend entirely on the assumption that the life insurance industry is inefficient at pricing life insurance policies and is currently leaving ton's of money plus Wall Street fees and profits on the table with enough left over for the retail investo...
by ResearchMed
Sun Sep 06, 2009 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: M* X-ray and CREF funds?
Replies: 13
Views: 1990

M* X-ray and CREF funds?

I've just accessed M* X-ray through T Rowe Price (thanks all - I didn't previously know I could get at it this way!). I've entered all the Vanguard and Schwab funds, and the TIAA-CREF funds. But how do I handle the CREF funds, the ones that don't have a ticker symbol (or if they do, I can't find the...
by ResearchMed
Sun Sep 06, 2009 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Consumption smoothing 9 month income into 12 month spending
Replies: 7
Views: 1249

Sounds like the OP is in the education biz. The state I'm in (WA) used to have an option for teachers getting paid in either 9 or 12 months for their 9 month work contract. A couple of recessions ago everyone was moved to the 12 month pay schedule because the state figured out they made $150 millio...
by ResearchMed
Sun Sep 06, 2009 10:00 am
Forum: Investing - Help with Personal Investments
Topic: TIP Fund/ETF Divergence
Replies: 5
Views: 1267

Good point -- distributions are the likely source of divergence short-term. My 401K allows a flow-through of funds to Schwab (known as a PCRA -- Personal Choice Retirement Account). Then, using Schwab, I can buy almost anything they offer. The normal 401K offerings are from Morgan Stanley and doesn...
by ResearchMed
Sat Sep 05, 2009 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: how much real estate in your tiaa-cref
Replies: 29
Views: 4870

As much as we dislike TIAA-CREF (VERY much!), there are a few mutual funds there that tend to do well, and fill in certain categories better than Vanguard's similar offerings (and they aren't always 'exactly' similar anyway). So as we move more and more to Vanguard, which has better customer servic...
by ResearchMed
Sat Sep 05, 2009 8:30 pm
Forum: Investing - Theory, News & General
Topic: Going Solo with My Portfolio
Replies: 27
Views: 5052

The Employee Stock Purchase Plan allows me to buy company stock at 85% of value up to 8% of my salary. Just about all financial advisors strongly recommend NOT holding much at all of your employer's stock. NOT diversified: IF the company has serious trouble, you could lose your job AND some or all ...
by ResearchMed
Sat Sep 05, 2009 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: TIP Fund/ETF Divergence
Replies: 5
Views: 1267

Re: TIP Fund/ETF Divergence

Quite a difference (2% over a three month period) between the Schwab and VG Funds, and the ETF - "TIP". The two or five year period have more similar performance Plot at: http://finance.yahoo.com/q/bc?s=VIPSX&t=3m&l=on&z=m&q=l&c=tip,swrsx This supports some of the recommendations of the experts her...
by ResearchMed
Sat Sep 05, 2009 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: how much real estate in your tiaa-cref
Replies: 29
Views: 4870

I removed most of my investment in the fund in 2008, but left about 2% of my total investments in it (10% of my TIAA investments), and of course now regret that. I'm planning to remove the rest. One factor that has led me to delay removing the remaining amount is that the alternatives (for money at...
by ResearchMed
Sat Sep 05, 2009 4:10 pm
Forum: Investing - Theory, News & General
Topic: what to do with unrealized gains
Replies: 8
Views: 1556

Re: what to do with unrealized gains

question: when you look at your vanguard accounts online, and one of the accounts says "unrealized gain/loss = $25,000" The number is relevant only for tax purposes, and will not even be accurate if you don't use average-cost accounting. If you do use average-cost accounting, it is the amount you w...
by ResearchMed
Sat Sep 05, 2009 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on Amex cards?
Replies: 48
Views: 7740

vpbirdinator wrote:Thanks for the replies. I'm considering the Blue card and it's great to read your review.

Somehow I feel Amex is very picky, especially now, and I don't want to be turned down. My impression is that Amex is reserved for super high earning yuppies.
Geezers, too.

8)

RM
by ResearchMed
Sat Sep 05, 2009 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Odd Behavior in Vanguard Account in Off Hours
Replies: 4
Views: 2762

We get these messages for a variety of accounts we have, and some that we don't: They are phishing... Yours sounding almost identical to one we got yesterday, but this was for a Bank of America account. But yours looks legit, asking you to log in on Vanguard's regular site. The malicious ones we get...
by ResearchMed
Sat Sep 05, 2009 12:22 pm
Forum: Investing - Theory, News & General
Topic: Bogleheadish Initiatives to Increase Retirement Savings
Replies: 47
Views: 6536

Apparently you can pay your medical bills with pre tax dollars, but only if you have a high deductible Insurance policy. ...or if your employer provides a pre-tax account and you correctly guess the right amount to put in it. These assinine "mother-may-I" (or should that be "uncle may I") type of r...
by ResearchMed
Sat Sep 05, 2009 11:56 am
Forum: Personal Finance (Not Investing)
Topic: bank as executor--your thoughts?
Replies: 45
Views: 12155

Have you considered using the attorney who worked with you drawing up your estate plans? That person will have the added benefit of knowing very well what your "intentions" are, should there be decisions to be made in the future, assuming that you both had some pretty serious discussions of what you...
by ResearchMed
Fri Sep 04, 2009 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Shocking Turn of Events in Quest for Financial Advisor...
Replies: 36
Views: 6097

What on Earth is a fiduciary? I tried looking it up on Merriam-Webster, but this is all I got: :roll: * Main Entry: 1fi·du·cia·ry * Pronunciation: \-ˈdü-shē-ˌer-ē, -shə-rē, -ˈdyü-\ * Function: noun * Inflected Form(s): plural fi·du·cia·ries * Date: 1631 : one that holds a fiduciary relation or acts...
by ResearchMed
Fri Sep 04, 2009 11:47 am
Forum: Investing - Theory, News & General
Topic: "Research" Firms that hype equities, Fine Print
Replies: 4
Views: 952

chaz wrote:Caveat emptor.
Yeah, but unfortunately, in many cases, the people who most need to hear that memo are the ones who don't know...

That's the real problem, sadly.

RM
by ResearchMed
Fri Sep 04, 2009 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance my current home if I plan to rent it out?
Replies: 9
Views: 2181

If I did it, I would be refinancing a 30 year with my existing balance so that I can ensure that I'm easily cash flow positive. I would not take any equity out of the home. My payment would be more like $550/month, and the place would rent for $1100-$1200. I don't think you get what my point is. Th...
by ResearchMed
Fri Sep 04, 2009 10:35 am
Forum: Investing - Theory, News & General
Topic: "Research" Firms that hype equities, Fine Print
Replies: 4
Views: 952

"Research" Firms that hype equities, Fine Print

I received yet another "urgent" email this morning, titled: "[XYZ small cap equity] takes off this morning - up over [very large double digit]% after our alert". The complete text in this case is: It has been a great day for those who were early to the party and gave [XYZ small cap equity] a chance ...
by ResearchMed
Fri Sep 04, 2009 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Shocking Turn of Events in Quest for Financial Advisor...
Replies: 36
Views: 6097

A question. In real life, what happens when you ask an "advisor" or "planner" the specific question "Are you a fiduciary?" Do the guys that aren't give you a reluctant but straight answer? And an observation. I think one of the lessons I've learned in life is that if you happen to need a frammis it...
by ResearchMed
Thu Sep 03, 2009 8:21 pm
Forum: Personal Consumer Issues
Topic: How do folks in their 70's meet new people to date?
Replies: 28
Views: 11053

Along the same line as Facebook, is "Classmates.com". It may or may not lead to an old flame, but it IS likely to lead to a number of old school friends (everything from grade school through grad school). It's just email, basically. And that can be fun! As an added bonus, it might get her more comfo...
by ResearchMed
Thu Sep 03, 2009 6:49 pm
Forum: Investing - Theory, News & General
Topic: Absolute return funds
Replies: 22
Views: 2929

Is PIMCO's real return fund analgous to the absolute return fund? From reading this board over last year and a half it seems that many bogleheads invest in the PIMCO product. I have heard bad things about the Vanguard market neutral product. PIMCO's fund is a bond fund, not an absolute-return fund....
by ResearchMed
Thu Sep 03, 2009 1:59 pm
Forum: Investing - Theory, News & General
Topic: Absolute return funds
Replies: 22
Views: 2929

And at those two fancy dinners?

When everyone else was effusively thanking them at the end, I commented how WE had all actually paid for it.

Nervous chuckles from the advisors.

RM
by ResearchMed
Thu Sep 03, 2009 1:54 pm
Forum: Investing - Theory, News & General
Topic: Absolute return funds
Replies: 22
Views: 2929

The fund in question is from Putnam. Believe, me I have no interest in this fund. It is just fascinating how far marketing people will go. A fund with the volatility of a T-Bill should ultimately get the return of a T-Bill, minus the cost. All I want to know is did you get a free lunch out of this ...
by ResearchMed
Thu Sep 03, 2009 12:40 pm
Forum: Investing - Theory, News & General
Topic: Absolute return funds
Replies: 22
Views: 2929

There are probably some high-expense hedge funds that do very well for their clients. On a regular basis. Careful... those "high-expense hedge funds that do very well for their clients" did so on a "regular basis", until they didn't ! And at that point, everyone's money went up to the little lockbo...
by ResearchMed
Thu Sep 03, 2009 11:56 am
Forum: Investing - Theory, News & General
Topic: Absolute return funds
Replies: 22
Views: 2929

They might even *claim* that they are NOT just "seeking" that return, but that they promise it, or that they have "a way to guarantee it". The "markets" are not predictable enough even to guarantee *successfully* a 1% above inflation return, never mind something notably higher. Think Madoff. Or anyo...
by ResearchMed
Thu Sep 03, 2009 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead Demographics
Replies: 41
Views: 5713

Age 66, wife and I both drawing SS. That, plus Navy pension allow us to live quite comfortably and even add a few bucks to our retirement fund from time to time. DW will need to draw 1-2% per year from retirement fund if I go to The Great Trout Stream In The Sky, as her share of my pension would be...
by ResearchMed
Thu Sep 03, 2009 9:40 am
Forum: Personal Consumer Issues
Topic: Home A/C pulling a lot of power - Need help
Replies: 23
Views: 3233

-It is blowing cold, so it's ok there. -There are two filters at the air returns which I replace every 3 mths. There is a place for a filter on the air handler itself but there is no filter there. I'm probably going to call someone out at the urging of my wife, but being a good & frugal diehard I l...
by ResearchMed
Thu Sep 03, 2009 8:53 am
Forum: Personal Consumer Issues
Topic: Home A/C pulling a lot of power - Need help
Replies: 23
Views: 3233

Re: Home A/C pulling a lot of power - Need help

My electric bill/usage has doubled in the last two months (even compared to last summer) and, through some experiments & testing, I think I've narrowed it down to the A/C. I don't know much about how A/C's work, but can anyone think of why my A/C would suddenly start pulling a significantly larger ...
by ResearchMed
Thu Sep 03, 2009 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead Demographics
Replies: 41
Views: 5713

Retired in early 2007 at age 59. Not planning on taking SS till age 70 (9 years from now). Income derived from a small VA disability, SPIA (purchased with IRA funds), and IRA portfolio withdrawls. BTW, my wife still works (but I see none of the $$$ - she spends it all on travel :roll: )... - Ron Do...
by ResearchMed
Wed Sep 02, 2009 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: "How Retirees Can Spend..." NYTimes: Ability to Ad
Replies: 15
Views: 3007

Re: "How Retirees Can Spend..." NYTimes: Ability t

What I could NOT find is any model (or human advisor) who was able/willing to deal with "well, if things don't go so well, then we can cut back a bit, for a while or permanently"... And if things go better, then maybe we'll splurge a bit... We can "decide" that we want to give "x" to charity, or "y...
by ResearchMed
Wed Sep 02, 2009 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: A Year after the Stock Market Plunge -
Replies: 8
Views: 1979

Re: A Year after the Stock Market Plunge -

"A Year after the Stock Market Plunge - Why it Should Have Cost You Less than Ten Percent " Nice article (as usual) by Allan Roth discussing how an approach already well known to Bogleheads would have gotten an investor thru the past year with a lot less pain than most people suffered: http://money...
by ResearchMed
Wed Sep 02, 2009 1:55 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52402

I am curious about those who splurge on trees... Okay, about the "trees" part... When we bought this house 7 years ago, we re-graded the gravel semi-circular driveway, and another extravagance was deciding to use hand-laid pavers as the entire driveway (vs. asphalt; the gravel in the snow and ice -...
by ResearchMed
Wed Sep 02, 2009 12:48 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52402

Soon will splurge on a spotting scope. Not for hunting but for birding. It's such an extravagance that I've been hemming and hawing on it for years. But it's just about time. We splurged on high quality Leica binoculars for birding about 5 years ago and made up the price in enjoyment within a year ...
by ResearchMed
Wed Sep 02, 2009 10:31 am
Forum: Personal Finance (Not Investing)
Topic: "How Retirees Can Spend..." NYTimes: Ability to Ad
Replies: 15
Views: 3007

The quote problem may be my fault as I make a habit of trimming quoted material and it is possible to accidentally delete a key "[" or "]", which then messes up the function. However, in this thread I don't believe I did do that. In any cases apologies if appropriate. I think that DID happen. Note ...
by ResearchMed
Wed Sep 02, 2009 10:12 am
Forum: Personal Finance (Not Investing)
Topic: "How Retirees Can Spend..." NYTimes: Ability to Ad
Replies: 15
Views: 3007

Re: "How Retirees Can Spend..." NYTimes: Ability t

NOTE: CaptMidnight wrote the section below that appears to be attributed to me (ResearchMed), and the section that NOW appears to be "dbr" is actually mine. And the part at the very bottom is from "dbr", not me. I have NO idea what is happening with the "quote" feature :? This will become an infinit...