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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: 25
Views: 790

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: 37
Views: 3384

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: 257

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: 37
Views: 3384

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: 1975

Re: Goldman-Sachs: bonds to 4%, 6% stock returns

357 prognosticators (Bogleheads and a handful of major investment firms) beat GS in predicating the close for the S&P 500 that year (129 in 2013). I'm pretty sure there will be Bogleheads who beat them again in 2014. The problem is we don't know in advance who they will be. The answer is buried...
by Steelersfan
Thu Aug 28, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Goldman-Sachs: bonds to 4%, 6% stock returns
Replies: 20
Views: 2777

Re: Do Bogleheads worry about institutional risk?

If a person is sufficiently worried about Vanguard's (or any other large financial entity's) institutional risk, then they ought to spread their assets over how ever many institutions make them feel safe. It doesn't matter whether that worry is rational or not. Opinions have and always will vary. It...
by Steelersfan
Thu Aug 28, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 31
Views: 1259

Re: Protecting one's bank account from PayPal

placeholder wrote:This is why I like my legacy PayPal linked to credit card only.


+1

I used to link it to my checking account but turned that off a few years ago.
by Steelersfan
Thu Aug 28, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 26
Views: 2137

Re: Do Bogleheads worry about institutional risk?

Presumably all electronic records held by Vanguard are on some cloud system exactly like Fidelity, Schwab, etc?? It seems like you'd always have an accessible record somewhere of what you owned up until something really bad happened (internet goes down forever?)) Almost certainly Vanguard, nor any ...
by Steelersfan
Thu Aug 28, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 31
Views: 1259

Re: Another Smartphone/Verizon Question

Your employee discount may (or may not) go away. Mine did. I retired seven years ago and my ex-employer didn't think about us a year ago and "forgot" to include us in their discount. i don't know if you need a smart phone, but Verizon has a $60.00 a month plan that's pretty attractive if y...
by Steelersfan
Wed Aug 27, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Another Smartphone/Verizon Question
Replies: 10
Views: 834

Re: What are you up YTD?

For the people that have more conservative AA 75/25, 60/40, 50/50 (stock/bonds) how much are you guys titled to have higher YTD? I am at 80/20 using mainly vanguard or fidelity equivalent 3 funds portfolio (I just started recently tilting) and I have a YTD shy of 7% I am perplexed how a more conser...
by Steelersfan
Tue Aug 26, 2014 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6185

Re: What are you up YTD?

60%/40% - up just under 7%.

I rebalanced a bit a few months ago to get back below 60% equities.
by Steelersfan
Tue Aug 26, 2014 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6185

Re: Transfer on Death (TOD) for Vanguard taxable accounts

Page 2 of their Transfer on Death Kit says they do, but only for individual accounts.

http://www.vanguard.com/pdf/bdbp.pdf?2210039149
by Steelersfan
Sun Aug 24, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death (TOD) for Vanguard taxable accounts
Replies: 20
Views: 1814

Re: Children Guardian

In a similar situation, we setup a trust and had the designated guardians also have control of the trust. As it as evolved that would have been a good decision, although it never came to pass. If you have doubts about the guardians's ability to handle the financial assets, it's best to have someone ...
by Steelersfan
Sat Aug 23, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children Guardian
Replies: 9
Views: 864

Re: Signing up for medicare Oct 1

Does this mean you can sign up for Medicare 3 months prior to your 65th birthday and coverage begins at that time. Or you can sign up 3 months prior to your 65th birthday but coverage does not begin until your 65th birthday? Thanks It's the later. I signed up two months early just in case there wer...
by Steelersfan
Sat Aug 23, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 19
Views: 1752

Re: Fostering Change in HOA

Some decisions can be made by a majority of the board, e.g. change to by-laws. Making a change to cable TV provisions would probably fall into this category. If you can assemble a group like minded folks to attend a board meeting and convince a majority of the board to go your way, that can work. It...
by Steelersfan
Fri Aug 22, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2135

Re: someone who claimed at 62 got an 8% increase this year

I filed for SS at age 62 two years ago and got no such increase.

Please PM me the phone number of your friend's Bil so I can get in on his secret. :moneybag

:D :D
by Steelersfan
Fri Aug 22, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 26
Views: 3088

Re: Rain Jacket Recommendations

I'm pretty sure that rain jackets are one of those "pick two of three qualities" items, with the qualities being affordable, waterproof, and breathable. I went hiking with a friend who leads hiking groups for the Sierra Club in the hills and mountains outside Portland, Oregon. He said if ...
by Steelersfan
Fri Aug 22, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Rain Jacket Recommendations
Replies: 29
Views: 1722

Re: Do you take all of your allowed paid vacation time?

Although I'm retired now I answered what I did in the years before I retired so you have more data points.
by Steelersfan
Fri Aug 22, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5613

Re: Fostering Change in HOA

Only about 5% of the membership shows up at Board meetings. That should tell you that a high percentage of the owners are satisfied with the current situation. In our condo association the level is about twice that, but as a board member low attendance tells us that people are OK with our current p...
by Steelersfan
Thu Aug 21, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2135

Re: Fostering Change in HOA

Every time I read about hoa, I'm happy I'm not chained down by one I agree, they aren't for everyone. You need to go into one with your eyes open and understand what you're getting into. Too many people don't. But I don't have to shovel snow, take out garbage, take care of the yard. If the roof lea...
by Steelersfan
Thu Aug 21, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2135

Re: Best one-stop company for renters/car/term life insuranc

Interesting thing about the jdpower link: If you look at auto insurance and click on the view ratings link only one (1) insurer has the best rating in all categories and all geographic locations. That insurer was already mentioned in this thread. However, that insurer was not mentioned on the lead-...
by Steelersfan
Thu Aug 21, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best one-stop company for renters/car/term life insurance?
Replies: 15
Views: 911

Re: Best one-stop company for renters/car/term life insuranc

Here are ratings done by tens of thousands of current holders of many types of insurance. Find the type you're looking for and be sure and pay attention to where they sell insurance. Many of the best are not nationwide.

http://ratings.jdpower.com/insurance/index.htm
by Steelersfan
Thu Aug 21, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best one-stop company for renters/car/term life insurance?
Replies: 15
Views: 911

Re: Fostering Change in HOA

Make sure your HOA has a reserve study done (required by law) and that they are funding the future liabilities. I think in most states they are not required by law - they certainly aren't in my state. But they are required if you want someone to be able to get an FHA backed mortgage. FHA won't back...
by Steelersfan
Thu Aug 21, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2135

Re: Fostering Change in HOA

We would never allow dishes so I doubt if that's going anywhere. By federal law you can't prohibit dishes as long as they are set up in exclusive use areas like balconies. http://www.fcc.gov/guides/over-air-reception-devices-rule That's good to know. But in our case we don't have balconies and the ...
by Steelersfan
Thu Aug 21, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2135

Re: Fostering Change in HOA

In our particular situation with 162 homeowners, a "special assessment" requires the written approval of 75% of homeowners before it can be implemented. The need for approval must vary by condo (and maybe state law). The condo I'm in had a very poor board who thought keeping monthly fees ...
by Steelersfan
Thu Aug 21, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2135

Re: Fostering Change in HOA

Currently your HOA pays: 188 unit owners at a cost of approximately $87,000 per year. $87000 / 188 / 12 months = $38.56/month. Now I don't know if this includes internet, or how many channels you get, but this is a GOOD/GREAT deal per month. I would imagine if you start making waves here you will g...
by Steelersfan
Thu Aug 21, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2135

Re: What assets are protected from state court proceedings?

Definately consult an attorney, but in attempt to be more helpful than other responses, I can tell you that in IL, where I live, in civil cases (non-IRS): - 401K,Rollover IRA/Roth, and 529 plans are protected 100% - IRA/ROTH are protected up to $1M - Houses are protected only up to $15K (but obvius...
by Steelersfan
Wed Aug 20, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1617

Re: Unlimited cell plans dropping in price?

For the area I live in, it appears I need to look to the nationwide carriers in order to obtain good service. Not an ad for Page Plus (I don't now nor ever have used them), but they use Verizon's 3g network. If they add 4g service (seems to be inevitable) they will have exactly the same network as ...
by Steelersfan
Wed Aug 20, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3262

Re: Retiree Poll: Do you do any volunteer work?

You don't quantity what "a lot" is. In my case I volunteer about 250 hours a year plus serve as an officer on my condo board, a group that sponsors volunteering by retirees of my company, and my local genealogy society. That's why I answered "a lot". OTOH - my financial contribut...
by Steelersfan
Wed Aug 20, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you do any volunteer work?
Replies: 32
Views: 2308

Re: Why no transaction alerts from Vanguard/others?

I misstated my post above.

I only get emails of confirmations.

Maybe the folks that get email notices of trades are talking about VBS accounts and you're talking about accounts in the mutual fund company?

That's what I have.
by Steelersfan
Tue Aug 19, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1234

Re: What do you use to protect yourself on the web?

I'm satisfied with: Windows Firewall Malwarebytes (malware protection) CCcleaner (PC optimization and cleaning) AdBlock Plus (blocks advertisements) And occasional runs of the Microsoft Malicious Software Removal Tool. Plus intelligent browsing and suspicion of email from any unknown person, or even...
by Steelersfan
Mon Aug 18, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: What do you use to protect yourself on the web?
Replies: 12
Views: 978

Re: Why no transaction alerts from Vanguard/others?

gkaplan wrote:Vanguard emails me each time I make a financial transaction or any other kind of change to my account.


Me too.
by Steelersfan
Mon Aug 18, 2014 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1234

Re: Safety of Finance Apps

I agree there are some on this forum that take security concerns to an extreme, but for the most part we as a group are extraordinarily practical and do no such thing. I think you'll see that as additional posts are made to this thread. p.s. I'm the one who said I would never put all my userids and ...
by Steelersfan
Mon Aug 18, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Finance Apps
Replies: 13
Views: 758

Re: So am I a terrible father? [inheritance question]

If you're a terrible father, so am I.

In a similar situation, I'm doing exactly what you propose to do.
by Steelersfan
Mon Aug 18, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: So am I a terrible father? [inheritance question]
Replies: 31
Views: 4451

Re: Vanguard Index vs American Funds?

I think American funds likes to load up their domestic equity funds with international stocks. I don't think its luck because they always do it. Sometimes it pays off, sometimes not so much. I don't think loading a domestic equity fund with international is 'smart,' and it sure isn't smart when it ...
by Steelersfan
Mon Aug 18, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 33
Views: 3192

Re: Vanguard Index vs American Funds?

Actually you'll notice international did better between 2002-2008, and domestic has done better since. Might be a big reason that the listed funds did better over 10 year than the 500 index, but worse over the last 5 :wink: . Your graph perfectly explains why the American Funds' fund I was in (Fund...
by Steelersfan
Mon Aug 18, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 33
Views: 3192

Re: Hw many credit cards to own?

Three cards: A cash back VISA card that I use for regular purchases that has no foreign transaction fees. A VISA card from a large bank with no annual fee that I never use but keep as an emergency back-up for when I travel. I've never had to use it. A Kohls credit card that gives me substantial disc...
by Steelersfan
Mon Aug 18, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 8741

Re: Is PIMCO Bond fund 50% cash?

It's probably some type of short term MM account, but yes - 50%!
by Steelersfan
Sun Aug 17, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is PIMCO Bond fund 50% cash?
Replies: 26
Views: 2881

Re: Safety of Finance Apps

It doesn't appear this author has much technical expertise, but if you do a find for "security", he does have a brief write-up on the app's security features. http://cashcowcouple.com/service-reviews/personal-capital-review/ I've never used any of the aggregation apps because they have to ...
by Steelersfan
Sun Aug 17, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Finance Apps
Replies: 13
Views: 758

Re: When did you officially "retire"?

Actually it was a month before I turned 60 but I chose 60 - 64 anyway.
by Steelersfan
Sun Aug 17, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you officially "retire"?
Replies: 2
Views: 620

Re: Vanguard Lost My Account

Has anybody called Vanguard and asked them to disclose their protocol for compromised accounts, and/or, if that protocol is consistent with OP's experience ? It's doubtful they would tell you with enough detail to be useful. Doing so and getting it published on this message board would give the cro...
by Steelersfan
Sun Aug 17, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10393

Re: Vanguard Index vs American Funds?

I'm familiar with one of those funds since I held it from the early 2000's until about two years ago, and that's Fundamental investors. First of all it does invest in non-U.S. equities: U.S. Equities 82.7% Non-U.S. Equities 13.2% Cash & Equivalents 4.1% And from the prospectus of that fund: &quo...
by Steelersfan
Sat Aug 16, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 33
Views: 3192

Re: Europe travel: best card for ATM cash

Does anyone know what kind of exchange rate you get in a large retail bank in Germany, changing dollars to Euros? I normally just use my debit card at an ATM, but my bank has a 3% foreign exchange fee. I know that's better than what you get at exchange shops in airports but a retail bank branch migh...
by Steelersfan
Sat Aug 16, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 1955

Re: Help-Do I need a chip/pin card in europe?

Do you think it's worth getting another chipped card (I only have one right now that carries a 3% FTF) for a 3 week trip? Frankly, at home I only carry one credit card and like the simplicity of that. Anybody get a card strictly for international travel then cancel it after trip? Any advice is appe...
by Steelersfan
Sat Aug 16, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 17
Views: 1176

Re: Vanguard Lost My Account

How did they know that the person who accessed your account was not you? Their logs would contain the IP address of the person accessing the account. Those narrow down pretty well where the access is coming from. In my experience with fraud, the IP address will be associated with other (somewhat la...
by Steelersfan
Sat Aug 16, 2014 7:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10393

Re: Vanguard Lost My Account

dolphinsaremammals wrote:
How did they know that the person who accessed your account was not you?


Their logs would contain the IP address of the person accessing the account. Those narrow down pretty well where the access is coming from.
by Steelersfan
Fri Aug 15, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10393

Re: Who sells fresh coffee that is not as strong as Starbuck

Starbucks tastes too strong for me so I almost never drink it.

I like Dunkin' Donuts and McDonalds coffee.
by Steelersfan
Fri Aug 15, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2319

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

For those who have been enjoying learning about passwords, encryption, and decryption, you also might find these articles enlightening/fascinating (at least, I did!): ⋅  What is password hashing? and How Hashes are Cracked ⋅  Anatomy of a hack: How crackers ransack passwords lik...
by Steelersfan
Thu Aug 14, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7446

Re: Where do you store your important documents?

Fireproof (?) box in the spare room big enough to hold about 5 inches of documents.
by Steelersfan
Wed Aug 13, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3252
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