Search found 2757 matches

by Steelersfan
Fri Jul 17, 2015 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing a check on a business with no bank account
Replies: 18
Views: 1177

Re: Cashing a check on a business with no bank account

Since this is a very small amount AND it is legitimately yours, I would just try to slip it through a personal account at a bank or credit union. Maybe endorse the back with something that looks "official", shows deposit to the account of _____ (your name) and act no. Put it in an ATM or ...
by Steelersfan
Mon Jul 13, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 994
Views: 159349

Re: What Movie Have You Recently Watched?

I'm not into kid movies (well past that phase) but went to Inside Out with kids and grand kids. Liked it a lot - so creative. Then spent a couple of additional days with them after the movie. The lessons of the movie came through to the grand kids, even though they were two and four years old. That ...
by Steelersfan
Wed Jul 08, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Vanguard phonecall asking for personal information
Replies: 47
Views: 3786

Re: Vanguard phonecall asking for personal information

It seems that in today's world, there is probably a better way of initiating this whole discussion without coming out immediately and asking for a common password protection question such as your city of birth. I guess I've always gotten a letter in the mail stating I need to call someone to addres...
by Steelersfan
Tue Jul 07, 2015 8:16 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)
Replies: 43
Views: 4464

Re: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)

The Vanguard Large Cap Index fund holds the MSCI 750, which sits in between the SP500 and Russell 1000. -jalbert Very small matter and it doesn't invalidate your point, but the Large Cap Index fund these days follows the CRSP US Large Cap Index of (currently) 649 stocks. I only know that because I ...
by Steelersfan
Tue Jul 07, 2015 9:09 am
Forum: Investing - Theory, News & General
Topic: "Vanguard's recommended international allocation."
Replies: 63
Views: 6702

Re: "Vanguard's recommended international allocation."

john94549 wrote:We're quite comfortable with 15 - 20% international. Given recent events, even more.



:thumbsup What he said.
by Steelersfan
Tue Jul 07, 2015 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Thanks to Forum Administrators
Replies: 16
Views: 1632

Re: Thanks to Forum Administrators

Far and away the best moderated board there is.

Thanks for your never ending effort.
by Steelersfan
Sun Jul 05, 2015 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: FDIC insurance / SIPC insurance / etc.
Replies: 6
Views: 492

Re: FDIC insurance / SIPC insurance / etc.

Thanks, Steelersfan, for the addition, and if I may amplify the part quoted above, the legal setup in the US is custodian banks do not own the securities they hold in custody. Even if they themselves fail, custodial assets are not theirs, and aren't available for its creditors to recover. PJW Good ...
by Steelersfan
Sun Jul 05, 2015 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: FDIC insurance / SIPC insurance / etc.
Replies: 6
Views: 492

Re: FDIC insurance / SIPC insurance / etc.

SIPC and FDIC are completely separate animals. As a previous poster said, SIPC provides no coverage against the fall of the value of an investment they hold for you. And while FDIC insurance is backed by the federal government, SIPC is an insurance fund set up, run and funded by member financial ins...
by Steelersfan
Thu Jul 02, 2015 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 37
Views: 4420

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

Will he charge any sort of fee for her pulling her money? Thanks. And I look forward to learning a ton on this forum. It depends on what, if any, type of contract she has with the adviser. She probably doesn't have anything. I had a six figure investment in a Class A American Fund. It had already b...
by Steelersfan
Thu Jul 02, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Mom's Employer - Lots of Issues
Replies: 21
Views: 3218

Re: Mom's Employer - Lots of Issues

Thanks for posting this - it is exactly what I found last night and was my reference for the FMLA loophole. My mom worked for a local plant that was recently acquired by MegaCorp 2-3 years ago. This particular local plant in our region has around 200 employees. My mom was one of three people to get...
by Steelersfan
Thu Jul 02, 2015 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Mom's Employer - Lots of Issues
Replies: 21
Views: 3218

Re: Mom's Employer - Lots of Issues

On being laid off at return to work from FLMA, from the DOJ site. Do a "find" for "layoff": Q: Are there other circumstances in which my employer can deny me FMLA leave or reinstatement to my job? In addition to denying reinstatement in certain circumstances to "key" em...
by Steelersfan
Mon Jun 29, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4788

Re: Travel to Greece

You won't want to make plane reservations until 3 - 4 months, that being the usual best lead time to get a good air fare. Since you're asking about summer of 2016, check back in early 2016 when the situation is way better known. Trying to predict something as volatile as the Greek situation this far...
by Steelersfan
Mon Jun 29, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 28
Views: 2697

Re: Purchase '98 Toyota Camry?

I sold my 1997 Camry with 80,000 miles on it to a friend for $2,500 a year ago. That price reflected a "friend's discount". It had been an excellent car for me but I just wanted something new after 17 years. A year later, driving many more miles a year than I ever did, he's still happy wit...
by Steelersfan
Sun Jun 28, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 11110

Re: Lucent offering pension buyout to retirees: what to do?

Besides the financials of the offer, he needs to consider his age, general level of health, and whether or not longevity runs in his family.
by Steelersfan
Sun Jun 28, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 48
Views: 4842

Re: can you recommend comfortable walking shoes?

Another vote for New Balance. I have wide feet so I need shoes that come in widths.

They seem to last well, are quite sturdy, and have more lateral control than some others I tried.
by Steelersfan
Sat Jun 27, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Condo HOA not allowing wood flooring due to noise concern... Is this a sign of shoddy construction?
Replies: 9
Views: 1169

Re: Condo HOA not allowing wood flooring due to noise concern... Is this a sign of shoddy construction?

I live a 1930's condo building and the quality of the construction done then is one of draws for people who buy here. We require at least 75% of the (original) hardwood floors to be covered by carpeting, either area rugs or wall or wall, so no, its not an indication of the quality. OTOH - some build...
by Steelersfan
Fri Jun 26, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 2236

Re: Condo - HOA Rules for Leasing

stan1 wrote: Make sure the roommate obeys parking rules -- that's one of the fastest way to upset the rest of the community.


Agree.

Also making loud noise during normal sleep hours will get the HOA's attention very quickly.
by Steelersfan
Fri Jun 26, 2015 7:48 pm
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5621

Re: Smart phone data usage

A lot depends on whether you have wifi capable cable in your home. If you do, and it's relatively recent, you can connect through that when you're home and all your apps will update automatically without using any of your data allowance, and only when you're in your home. Updating apps that way can ...
by Steelersfan
Fri Jun 26, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 2236

Re: Condo - HOA Rules for Leasing

You're still the owner and you're still the occupant. I doubt if anyone is going to have an issue with what you''re doing, although I wouldn't advertise it too loudly. Just sign some type of agreement with your new room mate so things are clear between the two of you and don't look back. Many condo ...
by Steelersfan
Fri Jun 26, 2015 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 2236

Re: Condo - HOA Rules for Leasing

Are you saying your condo association prohibits an unmarried couple from living in your complex? I'd suggest changing that. We would not prohibit that. We take a very broad and modern view of "family" and it hasn't been an issue and would not be, as long as the board is made up a reasonab...
by Steelersfan
Fri Jun 26, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 2236

Re: Condo - HOA Rules for Leasing

It would be helpful if you posted the exact language in the by-laws. Our condo association restricts occupants of a single unit to being members of the same family. The intent is to prevent a unit being turned into a college dorm unit, with all the fun and games that potentially go with those kinds ...
by Steelersfan
Wed Jun 24, 2015 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Ask me anything - Mortgages
Replies: 29
Views: 3845

Re: Ask me anything - Mortgages

This is where I look to see if a condo has been approved (or not) for FHA mortgages.

https://entp.hud.gov/idapp/html/condlook.cfm

When I just did a query it failed and noted it's only available during the work week. :oops:
by Steelersfan
Tue Jun 23, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Ask me anything - Mortgages
Replies: 29
Views: 3845

Re: Ask me anything - Mortgages

Correct, my friend is not looking for an FHA loan. Instead, they are looking at several condos in a certain area, and since none are not on the Fannie Mae list, my friend is being told they must pay cash. Does not seem right. I looked up the Fannie Mae list and in my state, there is not a single co...
by Steelersfan
Tue Jun 23, 2015 2:06 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 23847

Re: What was the 2008 crash like in real time?

It was definitely slow motion, especially watching the President and Congress get their act together.

That's when I first saw the wisdom of tax loss harvesting, took a quick introductory course (here), and am reaping the benefits even now.

But for the last year. :(
by Steelersfan
Sat Jun 20, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 21
Views: 2864

Re: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

If you know the division he served in, you can google it's name and WW II and maybe find one or more memorial sites about it. I found one (of several) for my father that gave the names of each of the towns where they stopped and set up a command post, often staying there for several days. There may ...
by Steelersfan
Sat Jun 20, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding sharing an inheritance:
Replies: 19
Views: 2189

Re: Question regarding sharing an inheritance:

You don't say this, but I presume you'll wait until the money is in your hands AND the estate is closed before you do or say anything. Since you're not the executor, there's a small chance there could be challenges to the estate that will cost you money to resolve.
by Steelersfan
Sat Jun 20, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 6453

Re: So my pension has been frozen...

Be sure and come back in 27 years and let us know if you made the right decision. :wink:
by Steelersfan
Sat Jun 20, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can I transfer a mastercard account to a different card?
Replies: 11
Views: 1078

Re: Can I transfer a mastercard account to a different card?

Nope, can't transfer.

MasterCard is an association and the banks are members who own the account.

Open another MasterCard with whoever has the best deal for the type of spending you do.
by Steelersfan
Sat Jun 20, 2015 11:26 am
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 6453

Re: So my pension has been frozen...

It took me a while to find it, but my estimated lump sum at 65 is $25,413 if I leave the money in the plan. If I choose to withdraw contributions and interest at 65, the monthly benefit drops to $175/$88 for the "50% Joint and Survivor Annuity Option." I bet there are a bunch of weasel wo...
by Steelersfan
Fri Jun 19, 2015 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 6453

Re: So my pension has been frozen...

I'd take the money and run, not walk, to an IRA.
by Steelersfan
Fri Jun 19, 2015 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Ticker Symbols on 401k Northern Trust Funds
Replies: 7
Views: 608

Re: Help with Ticker Symbols on 401k Northern Trust Funds

Yes, Here are some ETF's that track the same index as your CIT and should have the same annual results (with minor differences in between quarters because of the way dividends may be held and reinvested) There can also be small differences because mutual funds have a management fee while the costs ...
by Steelersfan
Thu Jun 18, 2015 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Just what is "management" and "exectutive" anyway
Replies: 14
Views: 2408

Re: Just what is "management" and "exectutive" anyway

To me, executive management is several levels (it depends on the size of the company) above first line managers. They usually participate in establishing policy for a broader group than just their employees. First line managers manage people, their performance appraisals, and the budget of whatever ...
by Steelersfan
Mon Jun 15, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee (HCE)
Replies: 14
Views: 2196

Re: Highly Compensated Employee (HCE)

Participation by others in your company is likely the answer, so it may or may not happen again. I got into the HCE pool one year with normal annual raises and no change in what I contributed as a percentage of salary or to the company match. There must have been other folks affected, because the co...
by Steelersfan
Wed Jun 10, 2015 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Dreyfus Standish Global Fixed Income, Going Down
Replies: 4
Views: 535

Re: Dreyfus Standish Global Fixed Income, Going Down

DHGAX is a bond fund. Al bond funds are down in recent weeks as interest rates have risen. There are lots of threads here about what strategy to have when interest rates are rising. Look for threads in this forum with those kinds of titles . BTW - DHGAX is doing quite well compared to a couple of bo...
by Steelersfan
Wed Jun 10, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Fellow condo owner stopped paying HOA fees. What happens next?
Replies: 19
Views: 3890

Re: Fellow condo owner stopped paying HOA fees. What happens next?

I would caution against trying to have the HOA association try to do their own legal work in a situation like this. Sending the first few notices that payments are behind is fine, but once you get to the stage of threatening legal action, that's a whole different arena. Do it yourself legal work may...
by Steelersfan
Tue Jun 09, 2015 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fellow condo owner stopped paying HOA fees. What happens next?
Replies: 19
Views: 3890

Re: Fellow condo owner stopped paying HOA fees. What happens next?

I'm on the board of a HOA (Condo) in PA. We're pursing a guy who's three months behind in his dues. We are at level two, after a warning letter, now a formal letter to tell him we're going to pursue legal action if he doesn't pay up. In the letter to him, "Pursuant to the Uniform Condominium ac...
by Steelersfan
Tue Jun 09, 2015 6:01 am
Forum: Personal Consumer Issues
Topic: HOA interior restrictions
Replies: 3
Views: 834

Re: HOA interior restrictions

Yes, if it's in their Declaration and/or By-Laws. Our HOA/condo association only restricts alterations to interior walls that might affect structural integrity, but says nothing about flooring or remodeling. They do say that the original hardware floors have to have carpet (wall to wall or area rug)...
by Steelersfan
Mon Jun 08, 2015 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Designation of beneficiary for retirement plan
Replies: 5
Views: 814

Re: Designation of beneficiary for retirement plan

I have my beneficiaries set up so she is primary and the kids are contingent beneficiaries. That way, if she doesn't need the money, she can disclaim all or part if it and it goes directly to the kids. She has nine months to make that decision.
by Steelersfan
Sun Jun 07, 2015 6:26 am
Forum: Personal Finance (Not Investing)
Topic: New CC expiration date but same card number - do I have to update auto pays?
Replies: 11
Views: 1406

Re: New CC expiration date but same card number - do I have to update auto pays?

I got a new chip card two weeks ago - same number, new expiration date, new three digit number on back.

So far three different recurring payments from three different companies have been processed without notification.
by Steelersfan
Fri Jun 05, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 75
Views: 9598

Re: Stanley Kubrick's 2001 a space odyssey

+1 for bdanes' explanation. I drove myself 75 miles from the boonies in the Midwest to the state capital just to see it, in very wide screen CinemaScope. I couldn't figure it out, so I asked my super smart college room mate (who eventually earned a Ph. D). He rattled it off straight away. Of course,...
by Steelersfan
Mon Jun 01, 2015 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Vaguard/Fidelity Siding with Insiders
Replies: 3
Views: 630

Re: Vaguard/Fidelity Siding with Insiders

Earlier discussions about the issue in case you missed them:

http://www.bogleheads.org/forum/viewtopic.php?f=10&t=157655&
by Steelersfan
Sun May 31, 2015 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Fee's- American Funds 5.75% Load
Replies: 16
Views: 1572

Re: Mutual Fund Fee's- American Funds 5.75% Load

I was stuck with American Funds Loads for 2 years via a company SIMPLE IRA, but got out after the govt waiting period. What caught my attention here is why compare the American Fund with VTSAX. I'm not sure if that is an equal comparison. When I looked at the portfolio makeup in Morningstar they ar...
by Steelersfan
Sun May 31, 2015 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Fee's- American Funds 5.75% Load
Replies: 16
Views: 1572

Re: Mutual Fund Fee's- American Funds 5.75% Load

One thing about American Funds is that in the early to middle 2000's they made out sized bets on foreign stocks and won the game. That made them look comparatively better than pure domestic funds for longer time frames. Check out their three and five year performance and you might get a different an...
by Steelersfan
Wed May 20, 2015 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 5345

Re: Medicare supplemental insurance

Another plan F person here.
by Steelersfan
Tue May 19, 2015 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Ed Jones wants American Funds moved under their Name
Replies: 9
Views: 1362

Re: Ed Jones wants American Funds moved under their Name

Plus, if you ever decide to leave EJ at some point in the future, they have fees they charge you on the way out. Getting out of jail isn't free.

Clever fellows they are.
by Steelersfan
Fri May 15, 2015 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: anyone else getting multiple revised tax forms from vanguard?
Replies: 19
Views: 896

Re: anyone else getting multiple revised tax forms from vanguard?

Tax would be due on dividends as reported by the shareholder service for a company to the custodian (or sub-custodian) for the mutual fund (Vanguard in this case). For foreign accounts these would be custodians all over the world, dealing with markets not nearly as efficient and error free as those ...
by Steelersfan
Sat May 09, 2015 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Lecture me about "too much house"
Replies: 51
Views: 6656

Re: Lecture me about "too much house"

Good neighborhood + good schools, probably worth stretching for.

Otherwise, not.
by Steelersfan
Sat May 09, 2015 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Gold bars buying advise
Replies: 43
Views: 4107

Re: Gold bars buying advise

Oh my goodness.

"many people" have also been predicting hyperinflation for many years, only to be proven wrong. There's material overlap between the two.

Buy some gold if it makes you feel good, but don't expect it to be a good investment.
by Steelersfan
Sat May 09, 2015 6:02 pm
Forum: Personal Consumer Issues
Topic: Day trips from Berlin?
Replies: 32
Views: 2318

Re: Day trips from Berlin?

Right by the Brandenburg Gate is their Holocaust memorial. It's simple and stunning, in my mind comparable to the Viet Nam War memorial in Washington D.C.. It won't take long to take it all in. http://www.aviewoncities.com/berlin/holocaustmemorial.htm Also agree with Sachenhausen. A cheap and conven...

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