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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 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will or Trust for 98 year old?
Replies: 19
Views: 1258

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
Fri Apr 17, 2015 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit Plan help
Replies: 9
Views: 716

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
Thu Apr 16, 2015 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Safety Deposit Box is Necessary (+1 plug:)
Replies: 27
Views: 3373

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 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member - Seeking Asset Allocation advices
Replies: 16
Views: 826

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
Wed Apr 15, 2015 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing through statefarm
Replies: 7
Views: 575

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
Tue Apr 14, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 86
Views: 8319

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 13, 2015 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 49
Views: 3389

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
Mon Apr 06, 2015 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Capital gain on primary residence
Replies: 20
Views: 1659

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
Fri Apr 03, 2015 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds or Savings Account?
Replies: 7
Views: 1295

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
Tue Mar 31, 2015 8:13 am
 
Forum: Personal Consumer Issues
Topic: Is this a scam: James Rickards
Replies: 12
Views: 2289

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 6:01 pm
 
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 34
Views: 1775

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 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 34
Views: 1775

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

Separation of assets incidental to a divorce.
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: 1812

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: 43
Views: 3064

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: 606

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: 549

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: 656

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: 656

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: 790

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: 1420

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: 1420

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: 956

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: 799

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: 2200

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: 799

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: 1398

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: 2150

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: 2150

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: 2137

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: 2137

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: 814

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: 2790

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: 3419

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: 4751

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: 577

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: 577

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: 660

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: 1536

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: 102215

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: 3000

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: 2022

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: 4603

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: 4603

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: 634

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: 471

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: 2908

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: 1678

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: 3292

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: 3292
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