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Re: locating a competent PC repair shop........

denovo wrote:I will say that in general most repairs don't make sense on a cost/benefit analysis.


+1

Although I was able to replace a failed power supply on a PC I had and got an extra three years out of it.

It would not have made sense if I had to pay someone to do it.
by Steelersfan
Wed Oct 22, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 608

Re: Should I sell My American Funds?

Somebody asked about how my funds had performed against the index funds. The honest answer is the majority of the AF funds seemed to outperform S&P 500 over my investment period of 12 years. Of course, that's without accounting for additional fees and the front end load. I imagine these fees pr...
by Steelersfan
Wed Oct 22, 2014 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell My American Funds?
Replies: 9
Views: 874

Re: opening offshore bank account

If I were putting money in an offshore account (I'm not and not going to) I'd want to know: Do they have the equivalent of our FDIC deposit insurance that's backed by the government of the country? Are they a public company and issue periodic financial statements I can see and that are certified by ...
by Steelersfan
Mon Oct 20, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: opening offshore bank account
Replies: 10
Views: 984

Re: Weird problem with a bank website: Chrome or Win8 (I thi

Check what extensions are installed in Chrome, under the tools menu. You may have some extra ones you don't want or need on the PC that isn't working.

You can just delete them, usually.
by Steelersfan
Sun Oct 19, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Weird problem with a bank website: Chrome or Win8 (I think)
Replies: 7
Views: 535

Re: Anyone cancelling travel plans?

I flew through Dallas last week and had a four hour layover in DFW.

Didn't give it a thought.
by Steelersfan
Sat Oct 18, 2014 7:01 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6160

Re: need a new home page [browser default page]

astrohip wrote:Try http://www.ighome.com/

It took the place of iGoogle when they shut that down.


+1, and it has been for the last year or so. It works just fine.
by Steelersfan
Fri Oct 17, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: need a new home page [browser default page]
Replies: 25
Views: 1881

Re: Question - Being a Trustee

If it's going to be an ongoing business, if you don't want to "run the business", are you prepared to hire someone to do it, and take responsibility to deal with a situation if that person isn't up to it? If it's not going to be an ongoing business, are you going to be responsible for sell...
by Steelersfan
Thu Oct 16, 2014 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question - Being a Trustee
Replies: 19
Views: 1243

Re: Is Probate Required?

Our last parent had a similar estate when he died and since all the beneficiaries were co-operative and in agreement there was no probate done, although I suspect by state law there should have been. The household goods were divided amicably and the remainder sold at auction. It worked out just fine.
by Steelersfan
Sun Oct 12, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Probate Required?
Replies: 9
Views: 845

Re: Making distributions to heirs.

I have three adult children, two married with kids and one not. All are doing well in life. Each child gets an annual gift to do with as they please. One goes straight to a 529 plan for their kids, one puts most but not all in a 529 plan for their kids, and the one without kids uses it for things th...
by Steelersfan
Sat Oct 11, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making distributions to heirs.
Replies: 13
Views: 1378

Re: old universal life insurance policy as fixed income

1) Does anyone else use life insurance in their fixed income allocation? Is it a reasonable idea? That's a slightly different question than determining if I should keep it. It sounds like at least one other person does, which makes me feel better about doing so. I do not. My insurance policy is ove...
by Steelersfan
Thu Oct 09, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: old universal life insurance policy as fixed income
Replies: 24
Views: 1533

Re: old universal life insurance policy as fixed income

I have the same type of policy and have decided to keep it in force for the reasons you stated. At least in my state, all proceeds from a life insurance policy are exempt from state tax. Federal taxes are due only if the amount of the policy plus other assets of the estate exceed the federal estate ...
by Steelersfan
Thu Oct 09, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: old universal life insurance policy as fixed income
Replies: 24
Views: 1533

Re: Page Plus To Offer 4G LTE in October

And this from the email to dealers answers a question I had about an increase in cost for folks that convert to 4G LTE. "With the exception of The 12 plan, all other monthly plans will be available for 4G devices, at 4G LTE data speeds, with no increase in the monthly plan prices. 3G service wi...
by Steelersfan
Wed Sep 24, 2014 7:06 am
 
Forum: Personal Consumer Issues
Topic: Page Plus To Offer 4G LTE in October
Replies: 4
Views: 931

Re: Medicare Advantage Plan.....Stay or Go?

Here's a really good fact sheet on Medicare Advantage plans put together by Kaiser: http://kff.org/medicare/fact-sheet/medicare-advantage-fact-sheet/ As with most things about health care insurance, there is no global answer. Quality and cost of plans vary greatly by state and even within states. Wh...
by Steelersfan
Tue Sep 23, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plan.....Stay or Go?
Replies: 14
Views: 1151

Re: Biggest discretionary expense in retirement?

Travel.

Annual gifts to children.

Redoing rooms in the home one at a time even though they're still functional. Way out of date and showing wear and tear, but functional.
by Steelersfan
Mon Sep 22, 2014 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 29
Views: 2998

Re: Verizon to Page Plus - documenting my experience

Has anyone heard if Page Plus rates will go up when you get access to 4g LTE?
by Steelersfan
Sun Sep 21, 2014 7:17 pm
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 8501

Re: Money Market Funds can Refuse Withdrawals (Or not!)

Here's the actual SEC ruling from July, to be final 60 dates after that. http://www.sec.gov/News/PressRelease/Detail/PressRelease/1370542347679#.VB873vldV8E It also says that the new rules don't go into effect for two years. "The compliance date for the floating NAV amendments and fees and gat...
by Steelersfan
Sun Sep 21, 2014 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Market Funds can Refuse Withdrawals (Or not!)
Replies: 10
Views: 861

Re: Money Market Funds can Refuse Withdrawals (Or not!)

Here's the actual SEC ruling from July, to be final 60 dates after that. http://www.sec.gov/News/PressRelease/Detail/PressRelease/1370542347679#.VB873vldV8E It also says that the new rules don't go into effect for two years. "The compliance date for the floating NAV amendments and fees and gate...
by Steelersfan
Sun Sep 21, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Market Funds can Refuse Withdrawals (Or not!)
Replies: 10
Views: 861

Re: Money Market Funds can Refuse Withdrawals

I only recently learned that new rules governing money market funds allow fund companies to refuse withdrawals during a financial crisis. The idea is that this will help stop money runs like the one from the last crisis. Investors will, of course, be able to get their money out eventually. But if y...
by Steelersfan
Sun Sep 21, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Market Funds can Refuse Withdrawals (Or not!)
Replies: 10
Views: 861

Re: Engineered Hardwood

I've got engineered hardwood in my kitchen and like it a lot. Had it the previous house too. It wears well. But beware larger spills if you don't get them cleaned up right away. I left a kitchen window partially open when I was away for a few hours and a heavy rain came through the window. The total...
by Steelersfan
Sat Sep 20, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood
Replies: 13
Views: 1178

Re: Trust Company Fee's

What about a 'private' trustee like a CPA and just pay a flat dollar amount - regardless of amount, adjusted for CPI over time, and cut out all the expensive bank/corporate nonsense? But then, who oversees the trustee to make sure he's doing it properly and honestly? Your thoughts. What if he decid...
by Steelersfan
Sat Sep 20, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Trust Company Fees
Replies: 22
Views: 1486

Re: Will Bill Gross beat the Total Bond Market Index?

I have no problem with active funds - as long as their expenses are comparable to index funds. PIMCO Total Return has an ER of .46% Vanguard Total Bond Investor Shares has an ER of .20% Vanguard Total Bond Admiral Shares (minimum investment of $10,000) has an ER of .08%. That's not very comparable ...
by Steelersfan
Wed Sep 17, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5905

Re: Will Bill Gross beat the Total Bond Market Index?

Article on Bill Gross's latest bet: Bill Gross is relying on derivatives rather than Janet Yellen to raise his returns on government bonds. The co-founder of Pacific Investment Management Co. sold most of the $48 billion of U.S. Treasuries held by his $221.6 billion Pimco Total Return Fund (PTTRX) i...
by Steelersfan
Wed Sep 17, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5905

Re: Do you plan trips on your own or use a TA?

I used a travel agent once about 1990 to book a cruise because at that time they did get special deals. I'm sure that time has passed. Other than that I've booked dozens of trips all over the U.S. and Europe entirely on my own. Besides Tripadviser (probably the single best site), check the following...
by Steelersfan
Wed Sep 17, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1570

Re: Vanguard's Website - Bad, or just me?

As a long term buy and hold investor of Vanguard mutual funds, it serves my needs just fine.

I suspect that's their target market.

Catering to every type of investor adds costs, to the detriment of their target market.
by Steelersfan
Tue Sep 16, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2427

Re: Strange Billing Practice by Medical Provider

I'm an anesthesiologist in a solo practice. As mentioned above, I wonder if the provider is having difficulty ultimately collecting from pts who are in network when he bills them later. That may be the situation, although we're missing key facts from the OP. I went in for a minor surgical procedure...
by Steelersfan
Tue Sep 16, 2014 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2848

Re: Any FRANCHISE owners here?

I go to a Dunkin' Donuts place near me several times a week so I get to hear some of the conversations between the employees and owner/manager. Tremendous turnover in employees. Most seem to last only a few weeks and the hours have to be an impediment. I expect that varies by location. For the last ...
by Steelersfan
Mon Sep 15, 2014 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3315

Re: Hearing aids - for those that use them

Thank all of you for responding, and especially for the VA tips - and it looks like Costco is a good backup. Yes, I will see an Audiologist. For fun I did take a couple of on line hearing tests. This one http://myhearingtest.net/ seems decent for a rough view. With reference to my hearing at 250 Hz...
by Steelersfan
Mon Sep 15, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1824

Re: Retiree Poll: Do you own your primary residence?

Condo unit with a paid off mortgage.

No mortgage payment.

The sidewalks and driveway get the snow shoveled. The grass gets cut and the shrubs trimmed. But not by me.

Life's good!
by Steelersfan
Sat Sep 13, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1624

Re: Gifting planning for upper 60s widowed.

Gill wrote:I wouldn't feel she's in a position to make other than fairly small gifts to the two children, maybe in the five to ten thousand range. She has a long time to live and too many possible expenses.
Gill


I agree.

As time (and life) goes on, she may be able to increase the amount.
by Steelersfan
Fri Sep 12, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 30
Views: 2308

Re: FIOS

I switched from Comcast to FIOS a couple of years ago and there hasn't been any noticeable difference in speed or reliability. I was happy with Comcast and am happy with FIOS. At the time I switched FIOS was considerably cheaper. Now Comcast is offering deals and it would be cheaper if I switched ba...
by Steelersfan
Fri Sep 12, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 43
Views: 3040

Re: Another Smartphone/Verizon Question

denovo wrote:
That's interesting, and they will be using verizon's network, if I read the news correctly.


They've always used the Verizon network, they just didn't have an agreement with Verizon to access their 4g LTE network.
by Steelersfan
Tue Sep 09, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Another Smartphone/Verizon Question
Replies: 21
Views: 1727

Re: Vanguard Lost $50k

I checked my Vanguard account on line and the second 50k was shown as a pending order (duplicate) for the same mutual fund from 8-29. I called my Flagship representative on 9-3 who promised to investigate. I heard nothing, so on 9-4 I checked the Vanguard site, the pending transaction was gone (but...
by Steelersfan
Sat Sep 06, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10818

Re: Vanguard Lost $50k

Unless you're lucky, you'll encounter a mistake or two over your investing career. Suppose you invest with one of the top investment firms, e.g. Vanguard or Fidelity. If you bag your first choice investment firm on the first mistake and go to your second choice, then bag your second choice if a seco...
by Steelersfan
Sat Sep 06, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10818

Re: Vanguard Lost $50k

I had a duplicate transfer of an amount somewhat larger. It turns out it was my fault in my interaction with the bank's cash transfer system (ACH). I'm not saying yours was. But between the bank and Vanguard it got corrected, but it took about 10 days because they had to let the ACH entries clear ou...
by Steelersfan
Sat Sep 06, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10818

Re: Do I Even Need a Trust?

In my state, as in most but not all states, probate is neither expensive nor time consuming. The very experienced estates lawyer who drew up my will (and associated documents) did not recommend setting up a trust. But I have a friend who is also a well respected estates lawyer who does. To me it's a...
by Steelersfan
Thu Sep 04, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 2007

Re: chip credit cards

If the maliciousness software is inserted into the POS terminal (as at Target) then it can read the pin as you're entering it. It gets the account number as it gets sent to the central system for processing by the credit card issuer for validation and processing. Chip and pin is an improvement but ...
by Steelersfan
Thu Sep 04, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: chip credit cards
Replies: 25
Views: 1587

Re: Do I Even Need a Trust?

In the event that either one or both of your sons is married and later divorces, an appropriately structured trust may have some advantage for preserving his share. Many Nolo sources will also make this point. An attorney will also be able to inform you of this. You can also do that as a provision ...
by Steelersfan
Thu Sep 04, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 2007

Re: Missing Cost Basis Information for Joint Custodial Accou

If you know the original investment, or the series of invest( that went into the fund, AND have tax returns from the years it was held, you can look up what was reported to you as dividends. You already paid taxes on those and they add to your cost basis. Add up the reported dividends and add those...
by Steelersfan
Thu Sep 04, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Missing Cost Basis Information for Joint Custodial Account
Replies: 18
Views: 959

Re: chip credit cards

If the maliciousness software is inserted into the POS terminal (as at Target) then it can read the pin as you're entering it. It gets the account number as it gets sent to the central system for processing by the credit card issuer for validation and processing. Chip and pin is an improvement but d...
by Steelersfan
Thu Sep 04, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: chip credit cards
Replies: 25
Views: 1587

Re: Missing Cost Basis Information for Joint Custodial Accou

If you know the original investment, or the series of invest( that went into the fund, AND have tax returns from the years it was held, you can look up what was reported to you as dividends. You already paid taxes on those and they add to your cost basis. Add up the reported dividends and add those ...
by Steelersfan
Thu Sep 04, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Missing Cost Basis Information for Joint Custodial Account
Replies: 18
Views: 959

Re: Take slightly better job if you had to wait 1 year for 4

Take (or keep) the job that gives you the most satisfaction and has the best future for growth.

The 401k is just noise.
by Steelersfan
Tue Sep 02, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take slightly better job if you had to wait 1 year for 401k?
Replies: 19
Views: 922

Re: Will Bill Gross beat the Total Bond Market Index?

Bill Gross is 70 years old and Forbes estimates his wealth at $2.4 billion.

What odds are you giving that he'll still be managing the Pimco Bond Fund in 5 - 10 years?
by Steelersfan
Mon Sep 01, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5905

Re: Geneological research for unclaimed property

As you go further back into records you run into lots of old medical terms for cause or contributory to death that aren't used or understood today.

Here's a good list:

http://www.rootsweb.ancestry.com/~usgwkidz/oldmedterm.htm
by Steelersfan
Mon Sep 01, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 87
Views: 4758

Re: Geneological research for unclaimed property

The quality of death certificate information depends largely on who the "Informant" was. That should be somewhere at the bottom of the page. If the informant was someone at an institution, information is often missing and incorrect. The closer the informant was to the deceased, both in fam...
by Steelersfan
Mon Sep 01, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 87
Views: 4758

Re: NYC

Spring and fall usually have the best weather. Less change of NYC heat or snow.
by Steelersfan
Sat Aug 30, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 2167

Re: The Power of Zero: Controversial New Book About Taxes

You mean...you mean......

David is exploiting people's fears of an uncertain future to make a bundle of money for himself today?

No way!!!!!!! :annoyed

I wonder if he's bought his yacht yet?
by Steelersfan
Fri Aug 29, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 52
Views: 5486

Re: Non-qualified pension plan taxation

And may or may not be subject to state and/or local taxes, depending on where you live.
by Steelersfan
Fri Aug 29, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Non-qualified pension plan taxation
Replies: 4
Views: 272

Re: The Power of Zero: Controversial New Book About Taxes

Books and TV shows that predict the apocalypse is coming are a good way to make money from a certain audience for creator of the material.

For the rest of us - stay the course.
by Steelersfan
Fri Aug 29, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 52
Views: 5486

Re: Father died. How to handle his company stock?

The stock I got from my company via several mechanisms was always in my name only.

Check to be sure, but if it's in his name only, sell it right away and there will only be capital gains on the difference between the value on his date of death and the value on the sales date.
by Steelersfan
Fri Aug 29, 2014 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Father died. How to handle his company stock?
Replies: 27
Views: 2189
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