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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
Sat Mar 28, 2015 6:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 35
Views: 1988

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 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Tax for Married Couple?
Replies: 5
Views: 581

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
Thu Mar 26, 2015 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parents just retired - Need Advice on Plan
Replies: 4
Views: 526

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 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trust Administration Fees
Replies: 7
Views: 619

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
Wed Mar 25, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trust Administration Fees
Replies: 7
Views: 619

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
Sat Mar 21, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome Stalling Out
Replies: 8
Views: 769

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 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: IRA owner's health declined. Should beneficiaries change?
Replies: 27
Views: 1366

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
Fri Mar 20, 2015 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: IRA owner's health declined. Should beneficiaries change?
Replies: 27
Views: 1366

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
Wed Mar 18, 2015 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 and Grandparents
Replies: 9
Views: 946

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 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Card and Medicare Advantage
Replies: 11
Views: 783

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 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Negotiate daycare rate?
Replies: 24
Views: 2159

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 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Card and Medicare Advantage
Replies: 11
Views: 783

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...
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: 1366

Re: How to Really Drive Across the U.S. Hitting Major Landma

gkaplan wrote:Rock and Roll Hall of Fame


Cleveland Art Museum is great.
by Steelersfan
Sat Mar 14, 2015 6:37 am
 
Forum: Personal Consumer Issues
Topic: How to Really Drive Across the U.S. Hitting Major Landmarks
Replies: 21
Views: 2096

Re: How to Really Drive Across the U.S. Hitting Major Landma

The city points of interest are pretty strange. Stop in Cleveland to see............nothing? Drive to Detroit to see a historic movie theater that's used as a performance space? A cemetery in Cincinnati? An historic Army fort in St. Paul that doesn't make the top ten list of things to do in St. Paul...
by Steelersfan
Fri Mar 13, 2015 6:47 pm
 
Forum: Personal Consumer Issues
Topic: How to Really Drive Across the U.S. Hitting Major Landmarks
Replies: 21
Views: 2096

Re: Is PA a good state for retirees?

But I don't know that picking a state solely on the taxation should be the primary driver. Of course there are many members on here that can speak from their personal experience. I would think community, family, friends, safety&security, and activities would be above taxation. +1, and then some...
by Steelersfan
Fri Mar 13, 2015 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Is PA a good state for retirees?
Replies: 23
Views: 2089

Re: Is PA a good state for retirees?

Pennsylvania is very tax friendly to retirees. There are no income taxes on Social Security or pensions and the regular income tax rate is a moderate 3.07%. Here's an annual article with a map of all states and how tax friendly they are to retirees. Click on any state for details. http://www.kipling...
by Steelersfan
Fri Mar 13, 2015 5:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Is PA a good state for retirees?
Replies: 23
Views: 2089

Re: Tax exempt alternative to TBMI?

Vanguard Intermediate Term Tax Exempt is what I use.
by Steelersfan
Fri Mar 13, 2015 5:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax exempt alternative to TBMI?
Replies: 12
Views: 795

Re: [Poll] How long did you hold primary residence mortgage?

Six years into a 15 year mortgage.

Paid extra each month to accelerate the payoff and just paid the darn thing off entirely with a lump sum when it got small enough.
by Steelersfan
Thu Mar 12, 2015 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2691

Re: Anyone hold precious metal

Nope.

None.
by Steelersfan
Sun Mar 08, 2015 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 3340

Re: How long did you stay in your starter home?

Three years. We knew it was temporary, but we got a discount when our rental property was converted to condos. When our first child reached school age we moved to a neighboring town with excellent schools. We cme out several thousand dollars ahead in the deal and allowed us to make a larger down pay...
by Steelersfan
Sun Mar 08, 2015 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4617

Re: No prospectus available

Thanks everyone. Can anyone tell if I'm getting charged a load? Either to buy or sell? The fund fact sheet is silent on the issue. There will be no loads either buying or selling, unless your company agreed to the worst deal in the history of Collective Trust Funds. Loads are normally paid to compe...
by Steelersfan
Sun Mar 08, 2015 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: No prospectus available
Replies: 9
Views: 572

Re: No prospectus available

That is surely a Collective Trust Fund. Here's the tip off text from the one page Fact Sheet: "Fund Fees Reflected in Performance. The Separate Account was established 12/31/1987." https://www.retirement.prudential.com/RSO/web/fundsheets/DCDSP5.pdf There's nothing wrong with Collect Trust ...
by Steelersfan
Sun Mar 08, 2015 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: No prospectus available
Replies: 9
Views: 572

Re: Is there a wills/trust/estate planning forum you'd recom

Have you tried putting "estate" into the search box "Forum search" at the top right on the page?

There have been lots of discussions here, if you value the opinions of folks who post here.

I do.
by Steelersfan
Sat Mar 07, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is there a wills/trust/estate planning forum you'd recommend
Replies: 4
Views: 650

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: 14
Views: 1498

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: 85
Views: 36829

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: 46
Views: 2956

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: 1947

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: 4530

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: 4530

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: 613

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: 445

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: 2873

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: 1658

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: 3214

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: 3214

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: 3852

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: 3852

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: 3852

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: 3424

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: 6670

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: 450

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: 3214

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: 3214

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: 1336

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: 3214

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: 3214

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: 3214

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: 6045
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