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by Steelersfan
Wed May 20, 2015 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 58
Views: 3836

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: 1228

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: 804

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: 49
Views: 5314

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: 3687

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: 29
Views: 1737

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...
by Steelersfan
Thu May 07, 2015 4:40 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 2988

Re: McNabb op ed - possible 8% cash requirement

Silence Dogood wrote:Is there any way to read this op-ed without having a WSJ subscription?

I tried to Google the article but I hit a pay wall.


It just worked for me, as it did earlier when I posted a response.

Copy the exact title into google search and click on the first entry that comes up.
by Steelersfan
Thu May 07, 2015 1:49 pm
Forum: Investing - Theory, News & General
Topic: McNabb op ed - possible 8% cash requirement
Replies: 33
Views: 2988

Re: McNabb op ed - possible 8% cash requirement

Shrug. If a mutual fund has the potential of crashing and burning so horribly that it could trigger a financial crisis, I don't have a position one way or the other on the matter, but I it sounds like the intent is to give a very large fund a cushion that it could use in times of extreme stress, sa...
by Steelersfan
Thu May 07, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 835
Views: 117020

Re: What Movie Have You Recently Watched?

jginseattle wrote:Ex Machina. Excellent!

http://www.nytimes.com/2015/04/10/movie ... reams.html


I agree, but you've got to be into that kind of thing.
by Steelersfan
Tue May 05, 2015 6:44 pm
Forum: Personal Consumer Issues
Topic: Reasonable to see a PA for Derm screening?
Replies: 5
Views: 486

Re: Reasonable to see a PA for Derm screening?

"perhaps a PA at a dermatology clinic is better than a MD at a family practice"

I'm just one data point, but that was my experience.
by Steelersfan
Mon May 04, 2015 6:35 pm
Forum: Personal Consumer Issues
Topic: What happens if you violate an HOA?
Replies: 35
Views: 3412

Re: What happens if you violate an HOA?

I'm on our HOA board. It's a condo so less issues but we still have some. Our process: Step one - have the management company send a letter. Step two - have a lawyer send a letter, informing them of the size of the daily fine that will commence on a certain date We've never gotten to step three, but...
by Steelersfan
Mon May 04, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Looking to Retire in Cleveland
Replies: 32
Views: 2490

Re: Looking to Retire in Cleveland

These kinds of questions get asked all the time at this forum. Review the ones that have already been asked, and if you have any more, register and post away:

http://www.city-data.com/forum/cleveland/
by Steelersfan
Mon May 04, 2015 8:18 am
Forum: Investing - Help with Personal Investments
Topic: 529 plan for grandson
Replies: 10
Views: 1089

Re: 529 plan for grandson

Our two kids with children each have set up 529 plans for our grand kids. One used their in-state plan since there are advantages to it and the other one used another state's, I believe Utah. I think both have chosen low cost target dates funds. Since I can't take advantage of any tax deduction with...
by Steelersfan
Tue Apr 28, 2015 8:25 pm
Forum: Personal Consumer Issues
Topic: Need tips on taking HS student on college tour
Replies: 34
Views: 1992

Re: Need tips on taking HS student on college tour

Anecdotal information based on one family's experience. We did "college tours" for all three kids. Except for the first, it consisted of a drive around campus, after driving hours to get there. In the end they decided which college they wanted to get into (it couldn't have been based much ...
by Steelersfan
Tue Apr 28, 2015 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Trust fund
Replies: 17
Views: 899

Re: Trust fund

Just to clarify one bit, the $5.43 million exclusion applies to a single person. If you are married at the time of death and your spouse inherits assets from you, the total exemption is $10.86 million, and indexed higher in future years. All subject to Congress not changing it, either to raise or lo...
by Steelersfan
Mon Apr 27, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Many Seniors Face Higher Medicare Surcharges
Replies: 5
Views: 1115

Re: Many Seniors Face Higher Medicare Surcharges

So this will make my situation interesting. First some background. For a couple of years after I started Social Security I was unwinding some deferred compensation income that put me in one of the higher Medicare premium brackets. The last year of payments was 2013. Early in 2014 I took the document...
by Steelersfan
Sun Apr 26, 2015 8:42 pm
Forum: Personal Consumer Issues
Topic: Flooring Question - Nebraska Furniture Mart (NFM)
Replies: 6
Views: 670

Re: Flooring Question - Nebraska Furniture Mart (NFM)

The fact that Warren Buffett owns 90% of the company should provide some comfort that it's a good place to purchase something.

Whether vinyl flooring is the best product for your particular situation, that's an entirely different question.
by Steelersfan
Sun Apr 26, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buying condo in commercial building
Replies: 10
Views: 879

Re: Buying condo in commercial building

Meeting Fannie Mae or Freddie Mac requirements may or may not be an issue depending on where you're located. In my area (major metropolitan city not on the East Coast) few condos have bothered to get qualified since there are plenty of regular mortgage sources operating here and they're offering reg...
by Steelersfan
Sun Apr 26, 2015 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Cost to setup a Living Trust?
Replies: 29
Views: 2221

Re: Cost to setup a Living Trust?

Well, I want to setup LT because LT make sense based on its definition: "A revocable living trust is a popular estate planning tool that you can use to determine who will get your property when you die. Most living trusts are “revocable” because you can change them as your circumstances or wis...
by Steelersfan
Fri Apr 24, 2015 3:29 pm
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 28
Views: 2122

Re: My PC is driving me nuts.

I recommend MalwareBytes too, and I run CCleaner from time to time. CCleaner doesn't seem to help much since I got a faster PC but it did when I had an older, slower model with less disk. It cleans up a lot of junk files that eventually build up on your PC disk. http://download.cnet.com/CCleaner/ Yo...
by Steelersfan
Wed Apr 22, 2015 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited farmland: Should we sell or keep?
Replies: 40
Views: 3699

Re: Inherited farmland: Should we sell or keep?

No background in farming + no interest in farming + not close to the land = sell.
by Steelersfan
Tue Apr 21, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning - what details does the attorney need?
Replies: 13
Views: 1412

Re: Estate Planning - what details does the attorney need?

I can't see any reason.

Leave those out of whatever you give them ahead of time, but take them with you to the initial meeting in case they convince you they're needed.
by Steelersfan
Mon Apr 20, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Neighbor is hoarder, piling garbage outside, collecting vans
Replies: 32
Views: 4876

Re: Neighbor is hoarder, piling garbage outside, collecting

Make an appointment at your town's police or fire department. They know what's allowed and what's not, and what's the best way to deal with it.

You'll probably find that they know all about it.
by Steelersfan
Sun Apr 19, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: Porter Stansberry advising going to 100% cash - Help!
Replies: 56
Views: 7502

Re: Porter Stansberry advising going to 100% cash - Help!

I see that he advertises on Ultimate Fighting Championship (UFC) sites, in case you were wondering where he's trolling for new clients.

EOM
by Steelersfan
Fri Apr 17, 2015 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Will or Trust for 98 year old?
Replies: 20
Views: 1598

Re: Will or Trust for 98 year old?

You're either going to pay a lawyer to create the trust or pay one to help you go through probate. The later is probably cheaper than the former in most states, as long as you have a good inventory of the assets.
by Steelersfan
Fri Apr 17, 2015 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit Plan help
Replies: 9
Views: 754

Re: Defined Benefit Plan help

It's likely they assume that he won't get a raise in the four years until he retires. If he does, that would make the monthly amount somewhat higher. It probably says somewhere what assumption they made when doing the projection. The lump sum would be higher if their interest rate assumption is lowe...
by Steelersfan
Thu Apr 16, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Safety Deposit Box is Necessary (+1 plug:)
Replies: 33
Views: 4583

Re: Safety Deposit Box is Necessary (+1 plug:)

I agree that a safety deposit box is a good idea for folks with small valuables that they do not use. Another possibility is to simply not own any small valuables. I resemble that remark. So I didn't have to pay for a safe and bolt it down to the floor. And I don't have to pay monthly rent on safe ...
by Steelersfan
Wed Apr 15, 2015 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: New member - Seeking Asset Allocation advices
Replies: 34
Views: 2910

Re: New member - Seeking Asset Allocation advices

Based on the Vanguard Funds in Questionaire, based on my Risk Tolerance level, they recommend "100% Stocks", I wonder if this is a wise choice to go 100% Stocks? https://personal.vanguard.com/us/FundsInvQuestionnaire One question to test yourself about having 100% stocks: if you held sign...
by Steelersfan
Wed Apr 15, 2015 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: investing through statefarm
Replies: 7
Views: 633

Re: investing through statefarm

You're going to lose $5.00 of every $100.00 you invest on the day you invest it. That's a difficult hurdle to overcome. Then they're going to charge you 1.17% of your balance every year you hold the investment. You can get the comparable Vanguard Target Date 2030 for .17% annual expense, an entire o...
by Steelersfan
Tue Apr 14, 2015 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11552

Re: Does your family know about your net worth (ball park)?

Q1. Does your family (parents, siblings) know about your net worth (ball park figure)? Q2. Do you know their net worth? Q3. How does knowing one's net worth affect family relationship? Q1. I'm pretty sure they don't and if they had a guess it would be too low. Q2. No living parents. One sister has ...
by Steelersfan
Mon Apr 13, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3902

Re: Has Anyone had a Credit Card Cancelled for not Using It

I got my oldest credit card canceled after 40 year with that account and two years of non-usage. It wouldn't have been an issue except I figured it out as I was about to go on a trip to Europe and it was my back-up card. I wasn't notified by the company (Citibank) when they canceled it. Fortunately ...
by Steelersfan
Mon Apr 06, 2015 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Capital gain on primary residence
Replies: 20
Views: 1726

Re: Capital gain on primary residence

keep in mind "taxpayers will pay an additional 3.8% Medicare tax on the lesser of: 1.The taxpayer’s “net investment income,” or 2.The taxpayer’s “modified adjusted gross income” (if the taxpayer does not have foreign earned income excluded under Section 911, this will be identical to adjusted ...
by Steelersfan
Fri Apr 03, 2015 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds or Savings Account?
Replies: 7
Views: 1335

Re: I Bonds or Savings Account?

trueblueky wrote:Can you narrow the range of when you'll need the money to buy a house?
Recommend online bank for up to one year; CDs for up to five years; I Bonds for longer.


That seems like a reasonable rule of thumb to me.

And happens to match how I do it. :happy
by Steelersfan
Tue Mar 31, 2015 8:13 am
Forum: Personal Consumer Issues
Topic: Is this a scam: James Rickards
Replies: 12
Views: 2486

Re: Is this a scam: James Rickards

He's not well thought of on this board. He seems mostly to stoke and then prey on people's fears, likely to his financial advantage. Here's one previous thread with his name highlighted. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=161676&p=2427389&hilit=Rickards#p2427389 So not ...
by Steelersfan
Mon Mar 30, 2015 6:01 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 34
Views: 2000

Re: Ad Blockers

I've used Adblock Plus for several years, like it a lot and intend to stick with it. Reading other message boards, Ublock's primary advantage is when it's used on memory constrained PC's (less than 2 MB of memory). I've got lots more than that so will stay with what works for me. Hey steelersfan ju...
by Steelersfan
Mon Mar 30, 2015 5:01 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 34
Views: 2000

Re: Ad Blockers

I've used Adblock Plus for several years, like it a lot and intend to stick with it.

Reading other message boards, Ublock's primary advantage is when it's used on memory constrained PC's (less than 2 MB of memory).

I've got lots more than that so will stay with what works for me.
by Steelersfan
Mon Mar 30, 2015 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Why would real estate be sold for $1?
Replies: 17
Views: 1903

Re: Why would real estate be sold for $1?

Separation of assets incidental to a divorce.
by Steelersfan
Sat Mar 28, 2015 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3180

Re: Recurring utility bills - How do you pay?

Autopay with a cash back credit card if they accept a credit card. One doesn't so that one is autopay from my checking account.
by Steelersfan
Thu Mar 26, 2015 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Tax for Married Couple?
Replies: 5
Views: 620

Re: Estate Tax for Married Couple?

Actually whatever of the $5.43 million exemption isn't used by the first spouse to die passes onto the surviving spouse, so their exemption is almost certainly higher, up to $10.86 million, and they're both indexed for inflation in future years.
by Steelersfan
Thu Mar 26, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Parents just retired - Need Advice on Plan
Replies: 4
Views: 570

Re: Parents just retired - Need Advice on Plan

You really investing in four funds when you pick that one since it's a fund of funds. Here are the four funds and their percentage allocation. Vanguard Total Bond Market II Index Fund Investor Shares† 47.8% Vanguard Total Stock Market Index Fund Investor Shares 28.2% Vanguard Total International Sto...
by Steelersfan
Wed Mar 25, 2015 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Administration Fees
Replies: 7
Views: 696

Re: Trust Administration Fees

That does seem high, but if the estate is being wound down and will dissolve in a short period of time the pain may not last long or be too great.
by Steelersfan
Wed Mar 25, 2015 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Administration Fees
Replies: 7
Views: 696

Re: Trust Administration Fees

Trust fees as a percentage of assets diminish as the trust gets larger.

You say the estate was "sizable". About how large, e.g. low, medium, high hundreds of thousands? Or more?
by Steelersfan
Sat Mar 21, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: Google Chrome Stalling Out
Replies: 8
Views: 869

Re: Google Chrome Stalling Out

Nope, no such problem. Put your mouse in the area below where the browser does it's display. Right click and select Start Task Manager. Click on the tab called Processes and see which process is using a lot of CPU. That will tell you the likely culprit. If Chrome got infected with a virus, a bad ext...
by Steelersfan
Fri Mar 20, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: IRA owner's health declined. Should beneficiaries change?
Replies: 27
Views: 1515

Re: IRA owner's health declined. Should beneficiaries change

Steelersfan wrote: your mother will have the option to disclaim any part of or all of the IRA when that time comes [my bold] I was not aware that one could disclaim "part" of an inheritance. I don't want to hijack the thread, but can you verify this? Yup you can. Here's one description: D...
by Steelersfan
Fri Mar 20, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: IRA owner's health declined. Should beneficiaries change?
Replies: 27
Views: 1515

Re: IRA owner's health declined. Should beneficiaries change

If you leave things as they are, your mother will have the option to disclaim any part of or all of the IRA when that time comes. She has 9 months (I believe) to make that decision. Should she disclaim the IRA (or any other asset) it would be as if you and your brother were direct beneficiaries. I a...
by Steelersfan
Wed Mar 18, 2015 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and Grandparents
Replies: 9
Views: 990

Re: 529 and Grandparents

We don't concern ourselves with financial aid considerations, so I gift to our children who are able to get a deduction on their state taxes when they contribute to their 529 plans.

Both happen to live in states that have that deduction. Not all states do.
by Steelersfan
Tue Mar 17, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Card and Medicare Advantage
Replies: 11
Views: 830

Re: Medicare Card and Medicare Advantage

I was on a Medicare Advantage plan for two years and never had to use or show my Medicare card ; at my Doctor's office, at an ophthalmologist, or at an outpatient surgical facility. I changed this year to a Medigap plan and when I went to the Doctor's office for a routine visit the first thing they...
by Steelersfan
Tue Mar 17, 2015 6:43 pm
Forum: Personal Consumer Issues
Topic: Negotiate daycare rate?
Replies: 24
Views: 2327

Re: Negotiate daycare rate?

If it's operated by a school then it's almost certainly a not for profit operation.

Who do you propose should pay more if you pay less?

Or which teacher should take a pay cut?
by Steelersfan
Tue Mar 17, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Card and Medicare Advantage
Replies: 11
Views: 830

Re: Medicare Card and Medicare Advantage

I was on a Medicare Advantage plan for two years and never had to use or show my Medicare card ; at my Doctor's office, at an ophthalmologist, or at an outpatient surgical facility. I changed this year to a Medigap plan and when I went to the Doctor's office for a routine visit the first thing they ...
by Steelersfan
Tue Mar 17, 2015 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Worried about my condo association board of directors
Replies: 12
Views: 1466

Re: Worried about my condo association board of directors

How many board positions are authorized in the condominiums declaration? I'm on the board of our condo and we're authorized for seven but have only found six owners willing to serve for the last two years, all but one of them long time board members. The declaration may allow them to add a member wh...

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