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Re: Follow-up: What % of net worth was your home at purchase

Put 10% down to get a mortgage on our first house two years out of college with a good and stable job. It was a condo unit.

That was our entire savings and net worth, if you don't count the one car we had.

1000%

I miscalculated first time and voted 500% but the poll won't let me change my answer.
by Steelersfan
Wed Mar 04, 2015 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Follow-up: What % of net worth was your home at purchase?
Replies: 13
Views: 1222

Re: Costco/AmEx relationship ending. New Costco MasterCard?

Maybe some of our Canadian friends can steer us in the right direction but am I right in assuming that even if Costco signs an exclusive branding deal with Citi Visa, you'll be able to use all Visa's at Costco, not just Citi branded Visas? I think that's clear. Yes. But to get into Costco you eithe...
by Steelersfan
Tue Mar 03, 2015 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 73
Views: 15456

Re: Where's your Will?

Original in my home safe, easily located. Copy at lawyer's office. He's a very well known estates lawyer who also happens to be a friend.

He's changed firms a few times and I wanted to be sure the original was in a place it could be accessed readily.
by Steelersfan
Mon Mar 02, 2015 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 43
Views: 2316

Re: Opinions on living in Jacksonville FL?

There are a lot of "moving to Jacksonville" posts and responses in this board.

http://www.city-data.com/forum/jacksonville/
by Steelersfan
Mon Mar 02, 2015 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on living in Jacksonville FL?
Replies: 19
Views: 1783

Re: I survived my initial performance improvement mtg. Now w

Your manager said you should have shortened your PIP. Does that mean he believes you are trying to do too much in this plan? If so, you should prioritize the most important aspects and make sure he agrees with your priorities. Make sure the most important things are done and done well. If when the ...
by Steelersfan
Sat Feb 28, 2015 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 4337

Re: I survived my initial performance improvement mtg. Now w

Bacchus01 wrote:In 20 years of leading a large number of people, I have never seen a PIP end in anything other than the employee gone from the company. It is an admin CYA process only. Time to move on.


Similar experience. Same results. With maybe an exception or two. They're rare.
by Steelersfan
Sat Feb 28, 2015 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 4337

Re: Have a few questions about moving to Vanguard

Some people use relatively large bands before they re-balance, say 55/45 or 60/40. That tends to minimize the number of taxable events you have to deal with.
by Steelersfan
Thu Feb 26, 2015 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have a few questions about moving to Vanguard
Replies: 8
Views: 591

Re: What is best tax software?

Here's a recent poll on how Bogleheads prepare their taxes.

https://www.bogleheads.org/forum/viewtopic.php?f=2&t=157096

Turbotax gets a big lift because many Vanguard clients get it for free.
by Steelersfan
Tue Feb 24, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: What is best tax software?
Replies: 3
Views: 432

Re: Are banks required to deposit third party endorsed check

No, a bank does not have to accept a third party endorsed check. It is entirely at the discretion of the bank. I have found that when it comes to insurance checks they are even more unlikely to do anything other than deposit into the account of the person/entity named on the check. I agree with tha...
by Steelersfan
Sun Feb 22, 2015 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2697

Re: Problems with Internet Explorer

I've been a happy Chrome user for years but the number of sites that don't work with Chrome has actually increasing slowly. It used to be one or two sites that I visited a couple of times a year. They always worked with my backup browser, IE. But now I'm getting a few more sites that I have to go wi...
by Steelersfan
Sun Feb 22, 2015 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1593

Re: Genealogy

Great stories, Crow Hunter. There is now, apparently, a test that can even identify the specific geographical origins of your ancestors back to a 1,000 years. http://blogs.discovermagazine.com/d-brief/2014/05/02/dna-test-can-trace-your-ancestral-origins-back-1000-years/ Be very suspicious of those ...
by Steelersfan
Thu Feb 19, 2015 9:17 pm
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3095

Re: Genealogy

I don't have much time to devote to this research right now (although I'd love to)....but I did get lucky. I have some distant cousins who are retired geneaology buffs. I found them on Ancestry.com - now, whenever they update the records, I get an email notification. I haven't checked lately, but t...
by Steelersfan
Thu Feb 19, 2015 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3095

Re: VWENX huge hit today! [Vanguard Wellington Admiral]

If you have $100,000 invested in a fund that drops .033% in a day, then you're down $33.00 for that day.
by Steelersfan
Thu Feb 19, 2015 9:17 am
 
Forum: Investing - Theory, News & General
Topic: VWENX huge hit today! [Vanguard Wellington Admiral]
Replies: 40
Views: 3730

Re: VWENX huge hit today! [Vanguard Wellington Admiral]

I supported the computer systems for a bunch of funds that produced end of day prices. The market closes at 4:00 and final prices are set shortly after, not right at 4:00. Then there's a rush of human and computer activity to get the find price right at 6:00. There's bound to be an error from time t...
by Steelersfan
Thu Feb 19, 2015 8:34 am
 
Forum: Investing - Theory, News & General
Topic: VWENX huge hit today! [Vanguard Wellington Admiral]
Replies: 40
Views: 3730

Re: VWENX huge hit today! [Vanguard Wellington Admiral]

If the OP is "well aware it is not huge", it might be best to leave "huge" out of the title or else others might misinterpret his understanding.
by Steelersfan
Thu Feb 19, 2015 7:17 am
 
Forum: Investing - Theory, News & General
Topic: VWENX huge hit today! [Vanguard Wellington Admiral]
Replies: 40
Views: 3730

Re: When would you retire money no object?

I couldn't answer the poll as set up. If you had asked me that question in my 50's (when I was already financially able to retire) I would have said 65 - 70. I enjoyed my job and was in it for the long term. Then my company's attitude toward their employees changed for the worse (we became expendabl...
by Steelersfan
Mon Feb 16, 2015 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: When would you retire money no object?
Replies: 64
Views: 3283

Re: Preparing for 2 months incommunicado

1. How to handle email, and particularly, important alerts? 1.1 I could try to access my email from Internet cafes, but last year, when I tried to log in to my account from Switzerland, MSN has blocked it. 1.2 By using public computers I would be opening myself to keystroke loggers and other spywar...
by Steelersfan
Mon Feb 16, 2015 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6354

Re: donation receipts

I just added a hand written list I put together to the receipt I got. I never took photos.

I was always conservative on the value I placed on the items, going somewhat less than what I found on various sites that valued donated material.

Mine never added up more than a few hundred dollars.
by Steelersfan
Mon Feb 16, 2015 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: donation receipts
Replies: 8
Views: 421

Re: Genealogy

I thought of one other thing that has returned me many dividends over the years. I have been someone who keeps an online blog for the past 14 or so years. In the course of those years, I have blogged about my genealogical research and interesting stories that I have found. I don't get much in the w...
by Steelersfan
Mon Feb 16, 2015 10:34 am
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3095

Re: Genealogy

I have a relatively complicated line once I go past a few generations, and that is the reason that some of my relatives don't wish to go into too much detail. Is it common to find lots of old photos? I have been asking everyone for old photos, but haven't come across much. Also, I am still interest...
by Steelersfan
Mon Feb 16, 2015 8:37 am
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3095

Re: Intermediate term tax-exempt bond fund

I can't speak to potential downsides, but it's the only bond fund I have in taxable. I filled up my tax exempt account and needed some more bond funds in taxable to get my asset allocation where I wanted it. It's only 20% of my taxable account but I wouldn't worry if it were more. I suppose one cons...
by Steelersfan
Sun Feb 15, 2015 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax-exempt bond fund
Replies: 14
Views: 1278

Re: Genealogy

Here is also a link to genealogy websites: http://www.genealogyintime.com/articles/top-100-genealogy-websites-of-2015-page02.html That's an excellent list. Actually the entire site is really good, with articles appropriate for any level of genealogists. http://www.genealogyintime.com/genealogy-arti...
by Steelersfan
Sun Feb 15, 2015 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3095

Re: Genealogy

If you're interested in trialing free genealogy software to store your information, PAF has three recommended on the bottom of their page on familysearch. https://familysearch.org/PAF/ They don't have all the features of the paid versions but will have plenty of functionality to get started. You can...
by Steelersfan
Sun Feb 15, 2015 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3095

Re: Genealogy

I have no experience interviewing people about their ancestors, but from what I have read the best way is just to approach them and ask them to talk. It may not be the most efficient use of your time, but eventually their memories will come out and you can ask delicate questions during the process. ...
by Steelersfan
Sun Feb 15, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3095

Re: 500k retirement strategy?

Confuscious wrote:
I was originally told it was 500. You just need to have more miscommunication. :)


Nope - I've got plenty of that already. :oops:
by Steelersfan
Sat Feb 14, 2015 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500k retirement strategy?
Replies: 22
Views: 5981

Re: 500k retirement strategy?

Please tell us the place where we can go from $500,000 (original post) to $1,000,000 (last post).

I want some of that.
by Steelersfan
Sat Feb 14, 2015 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500k retirement strategy?
Replies: 22
Views: 5981

Re: Hancock increasing rates on LTC

Although, from what I've read, insurers long term capital has improved with the markets over the past 2-3 years, the markets may not be so cooperative in the years ahead. BruceM I'm not sure whether their long term capital has improved or not, but this isn't a good sign from the largest player in t...
by Steelersfan
Sat Feb 14, 2015 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hancock increasing rates on LTC
Replies: 55
Views: 2988

Re: Reasons to not transfer vested stock?

Yes, RSU's are taxed as regular income when they vest, so capital gains aren't an issue unless you hold on to them. If you do hold on to them, do so for at least a year so you'll pay tax at the lower long term capital gains rate when you sell them. If you believe a three fund portfolio meets your in...
by Steelersfan
Sat Feb 14, 2015 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons to not transfer vested stock?
Replies: 11
Views: 586

Re: Costco/AmEx relationship ending. New Costco MasterCard?

You can use any MasterCard in Canada. That would seem to be a win-win for Costco (more customers) and MasterCard card users since MasterCard has many more people who have their cards. I know it would have helped me out when I shopped there as a guest of as friend of mine. I would have gone there mo...
by Steelersfan
Fri Feb 13, 2015 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 73
Views: 15456

Re: Costco/AmEx relationship ending. New Costco MasterCard?

I'm in Canada, and the transition was seamless here. Costco announced in Sept., that Amex would not be honoured after Dec. 31st 2014, and there were kiosks in the stores to apply for the new Capital One Costco card. I received the new card within a month... Same limit as the Amex, and my Costco ID ...
by Steelersfan
Fri Feb 13, 2015 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 73
Views: 15456

Re: How to find profit for 70/30 or 60/40 IRA from '93-2013?

One thing to consider in your project is whether the average person would have the discipline to stick with a 60%/40% portfolio when the bottom drops out of the market as it did in 2000/2001 and 2007/2008? Will they stick with it or switch to a very conservative mix for an extended period of time af...
by Steelersfan
Fri Feb 13, 2015 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to find profit for 70/30 or 60/40 IRA from '93-2013?
Replies: 19
Views: 744

Re: Costco/AmEx relationship ending. New Costco MasterCard?

Costco will be saving a lot of money since Amex' fees are higher. Looks like any MasterCard might be accepted there. If it's CapOne there might be a rebate/rewards program attached. Second person that has said this, but keep in mind Costco has an exclusive contract with Amex. Costco probably pays a...
by Steelersfan
Fri Feb 13, 2015 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 73
Views: 15456

Re: Costco/AmEx relationship ending. New Costco MasterCard?

Maybe open to all MasterCard's. Maybe not. I tend to think not. Some of those relationships are specific to the card issuer, e.g. Citi® Cardmembers Only http://concerts.livenation.com/citi That's really apples and oranges. LiveNation does accept other cards -- just not for that specific offer. It d...
by Steelersfan
Fri Feb 13, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 73
Views: 15456

Re: RSU Understanding question

Your end result come next year when you file the tax, is the same, whether your company withheld the tax on vesting schedule, or you pay out of your own funds thru estimated tax. Agreed. Basically, the value of your RSUs at vesting is considered as income to you. So your employer is likely to treat...
by Steelersfan
Fri Feb 13, 2015 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: RSU Understanding question
Replies: 8
Views: 510

Re: Costco/AmEx relationship ending. New Costco MasterCard?

Costco will be saving a lot of money since Amex' fees are higher. Looks like any MasterCard might be accepted there . If it's CapOne there might be a rebate/rewards program attached. Maybe open to all MasterCard's. Maybe not. I tend to think not. Some of those relationships are specific to the card...
by Steelersfan
Fri Feb 13, 2015 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 73
Views: 15456

Re: Check with wrong name - how to deposit

I'd prefer to know right away that the check will clear. Handing it to a teller does that. Depositing it in a ATM doesn't, and they might question and reject a deposit at an ATM more readily when they can't clear up any questions with the person right there. Handing it to a teller does not assure t...
by Steelersfan
Fri Feb 13, 2015 9:57 am
 
Forum: Personal Consumer Issues
Topic: Check with wrong name - how to deposit
Replies: 21
Views: 1687

Re: RSU Understanding question

I agree with SteveM. You've got it right.
by Steelersfan
Fri Feb 13, 2015 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: RSU Understanding question
Replies: 8
Views: 510

Re: Check with wrong name - how to deposit

I'd prefer to know right away that the check will clear. Handing it to a teller does that. Depositing it in a ATM doesn't, and they might question and reject a deposit at an ATM more readily when they can't clear up any questions with the person right there.
by Steelersfan
Fri Feb 13, 2015 8:16 am
 
Forum: Personal Consumer Issues
Topic: Check with wrong name - how to deposit
Replies: 21
Views: 1687

Re: Check with wrong name - how to deposit

If you can get past the first line of defense (usually the teller) the check will sail through just fine the rest of the way.

Do whatever they tell you to do.

What the previous person posted is good advice.
by Steelersfan
Thu Feb 12, 2015 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Check with wrong name - how to deposit
Replies: 21
Views: 1687

Re: Deferred Compensation

Taking it all at one time probably isn't the best move for the tax reasons others have stated. Whether you receive it over two or five or ten years depends on many factors, one of which is how stable the company is since these monies are potentially exposed in the event of a company bankruptcy. I ch...
by Steelersfan
Thu Feb 12, 2015 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation
Replies: 9
Views: 673

Re: Umbrella policy - Uninsured/under-insured coverage?

I would think you'd want it.

How much would you save if you didn't take that? I suspect it isn't much.
by Steelersfan
Thu Feb 12, 2015 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy - Uninsured/under-insured coverage?
Replies: 2
Views: 369

Re: Fully Depreciated Rental Condo - Question

I don't think a condo has land does it? Any business RE except land is depreciated. It was an expense she was able to take to reduce her taxable income all those years.. The 27.5 year term is for residental RE. Yes. But as I was reading through articles about this I read that when you buy a condo, ...
by Steelersfan
Tue Feb 10, 2015 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fully Depreciated Rental Condo - Question
Replies: 31
Views: 1478

Re: Condo Insurance Quote (Wisconsin)

You need to shop around.

My insured amounts are about half of yours. I bundle my condo, auto and umbrella so I get a small break on each. I am one unit of a six unit building, so not a detached home (if yours is and if that matters).

My annual cost is less than $150.
by Steelersfan
Tue Feb 10, 2015 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Condo Insurance Quote (Wisconsin)
Replies: 11
Views: 719

Re: Food of the Fifties

I remember creamed chipped beef on toast.

One step further in the wrong direction was creamed tuna on toast.

Mom never was much of a cook.
by Steelersfan
Tue Feb 10, 2015 9:39 am
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11221

Re: Bank Deposit - Receipt

My bank always gives me a receipt without asking.

That's a bad policy if they don't, IMHO.

The teller should be able to print one out for you if it's actually their policy not to print one.
by Steelersfan
Mon Feb 09, 2015 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Deposit - Receipt
Replies: 21
Views: 1421

Re: Pennsylvania 529 Plans?

Another vote for shopping other state's 529 plans since you get the tax deduction no matter where the money gets invested. I don't think that's typical of most state tax deduction laws.

Pennsylvania's isn't bad but some are better.
by Steelersfan
Mon Feb 09, 2015 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pennsylvania 529 Plans?
Replies: 5
Views: 400

Re: Is it worth it? [Should I retire?]

I walked away from $3,000 a year increase in a pension (non-COLA) because I didn't need it and was completely burned out from my last job.

How much do you dislike your job? Are you set financially without it? That will determine your decision.
by Steelersfan
Sun Feb 08, 2015 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it worth it? [Should I retire?]
Replies: 57
Views: 4791

Re: Vanguard and Corporate Governance

Voting proxies is one thing.... I guess I was thinking about large institutional investors stepping it up a notch. $3 trillion is a lot of weight to throw around. burt Beyond voting proxies, I'm not sure that Vanguard would or should be up to engaging corporate leaders at an individual company leve...
by Steelersfan
Sat Feb 07, 2015 9:02 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard and Corporate Governance
Replies: 7
Views: 564

Re: Percentage of assets held at Vanguard/Security

beachwalkerwalker wrote:Many thanks. Apologize for the redundancy and appreciate the direction.


No need to apologize. That's what this forum is for - to educate and inform people new and old.

If you're new you don't know what questions have been asked before or how use to use the search tools to your best advantage.
by Steelersfan
Fri Feb 06, 2015 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Percentage of assets held at Vanguard/Security
Replies: 3
Views: 456
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