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Re: Deciding on a new HDHP

It would be important to me whether the Doctors and hospitals you want are in the plan or not. HMO's are typically more restrictive in the Doctors you can see and the hospitals you can use vs the PPO's.

That might reduce your choices in half.
by Steelersfan
Wed Apr 16, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deciding on a new HDHP
Replies: 3
Views: 305

Re: Proper Money management and itinerary for Europe trip

If you want to see maybe the best exhibit of how much wealth accumulated in the royal families of Europe, the Munich Museum, Residenz and Treasury are outstanding.

http://www.residenz-muenchen.de/englisc ... /index.htm

There were no Bogleheads in the Wittelsbach family!
by Steelersfan
Mon Apr 14, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1876

Re: Proper Money management and itinerary for Europe trip

Get your cash at an ATM (preferably one owned by a large bank or post office) and/or use your credit card to purchase items. According to Rick Steves, exchanging inside a bank will typically cost you 8%, and using an exchange window like at the airport will cost you 15%. http://www.ricksteves.com/tr...
by Steelersfan
Sun Apr 13, 2014 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1876

Re: Traveling by train in the UK for the firs time, help!

Study the site linked below. He's an expert on train travel in Europe.

This page is for the U.K.

http://www.seat61.com/UK-train-travel.htm#.U0seIPldV8E
by Steelersfan
Sun Apr 13, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1244

Re: Getting Passport without specific travel plans?

I'm pretty sure the only reason they have that question on the form is so they know when you need the passport back by since you cannot travel while they process the new one. Many people probably don't renew theirs until they next need it. I bet their "expedite" service is quite popular. +1
by Steelersfan
Fri Apr 11, 2014 5:45 am
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 1802

Re: Why Americans are Retiring Overseas

I think people had stronger reasons to retire abroad when healthcare was unaffordable for those without a job with benefits, and who were too young to quality for Medicare. With the implementation of the Affordable Care Act, there will probably be fewer new economic expatriates, and some current on...
by Steelersfan
Wed Apr 09, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9053

Re: Being a trustee for a friend's estate

This may be the case. When we first wrote our wills, the kids were minors. In case we were to die when they were still minors, we named two people to handle their affairs, or rather one person to handle them and another to handle their money. But we only needed verbal agreement, so now I am leaning...
by Steelersfan
Tue Apr 08, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being a trustee for a friend's estate
Replies: 14
Views: 1165

Re: Expensive med. test not covered by insurance

Nope, Doctors rarely do this. I don't think they are very aware of the costs of a procedure, and with the complexity of what your particular insurance plan coves and doesn't cover, I have some sympathy for them in that regard. I had an MRI for some shoulder pain that comes and goes and asked my Doc ...
by Steelersfan
Mon Apr 07, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3879

Re: Why Americans are Retiring Overseas

We bogleheads are a very broad community full of folks with the right socio-economic attributes to consider retiring abroad. Many of our friends are probably in the same category. So how many of us or our friends have actually done it? I don't have any. I suspect very, very few. I think this is a pi...
by Steelersfan
Mon Apr 07, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9053

Re: What's a good credit score?

I'm curious how to raise your score also. My debts are an auto loan and mortgage, 4 years of history (credit card), 2 credit cards paid off in full every month, and I can't seem to get to the top tier. Is time just the only thing that will raise it? It probably varies somewhat by company, but here'...
by Steelersfan
Mon Apr 07, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: What's a good credit score?
Replies: 25
Views: 2067

Re: The Unthinkable Disaster: What If Your Account Disappear

For the people who are concerned about Vanguard's ability to protect your money:

1. What feature or service would you like them to add?

2. What would you be willing to pay? Since the damage to you is proportional to the amount of money at risk, express it in ER terms.
by Steelersfan
Mon Apr 07, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Unthinkable Disaster: What If Your Account Disappeared?
Replies: 43
Views: 4677

Re: The Unthinkable Disaster: What If Your Account Disappear

I'd call up the producers of "Doomsday Preppers" and get their advice.

I know, they're into preparing for ultimate catastrophes, but surely they've learned lessons from the actual experiences of the people they have on the show.
by Steelersfan
Sun Apr 06, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Unthinkable Disaster: What If Your Account Disappeared?
Replies: 43
Views: 4677

Re: Propane and HOA Costs for Home

At least in my area, HOA fees are included in the real estate listing. Besides what the previous poster said about having them in being general agreement with what you are looking for, what they cover varies a lot from association to association. Find out what they cover and see if you think they're...
by Steelersfan
Sun Apr 06, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Propane and HOA Costs for Home
Replies: 7
Views: 480

Re: Check hold for 40 days? Outrageous?

Sounds like someone screwed up - either the teller in placing the hold or the back office in failing to lift it in the specified period or when the check cleared. A 5 day hold is typical for new customers OR checks over $5K, so a 10 day hold is reasonable since you hit on both criteria. +1 40 days ...
by Steelersfan
Thu Apr 03, 2014 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Check hold for 40 days? Outrageous?
Replies: 11
Views: 1342

Re: Umbrella insurance rates

Can I tag on... for those buying umbrella policies, where are you getting rate quotes and who are the best providers? I had my auto and homeowner's insurance with two different companies. I asked both of them to give me a quote and include all three (auto, home and umbrella). In the end the costs w...
by Steelersfan
Thu Apr 03, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance rates
Replies: 13
Views: 1089

Re: Vanguard role in corporate governance

It's hard for me to tell if this is actually what's happening. I can see that Vanguard is taking active positions quite often, but I don't know if this is just the active funds or index funds too. Since their site says " the funds supported 96% of Say on Pay proposals during the year ended Jun...
by Steelersfan
Wed Apr 02, 2014 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard role in corporate governance
Replies: 21
Views: 1061

Re: Vanguard role in corporate governance

Here's Vanguard's position on executive compensation: https://about.vanguard.com/vanguard-proxy-voting/executive-compensation/ And here's their voting record for the last proxy season: https://about.vanguard.com/vanguard-proxy-voting/update-on-voting/ including this statement of fact: "Based on...
by Steelersfan
Wed Apr 02, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard role in corporate governance
Replies: 21
Views: 1061

Re: credit report

As mentioned above, Credit Karma is free and gives you a close approximation of your credit scores for free, and no credit card required.

https://www.creditkarma.com/
by Steelersfan
Mon Mar 31, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: credit report
Replies: 12
Views: 486

Re: A whole life question (put the axes and torches away)

I've got a similar policy, similar years in force, similar annual payments and I've decided to keep mine.

The cash value grows at about 5% a year (which I never expect to use but who knows) and when I pass my beneficiary will get a nice sum.
by Steelersfan
Sat Mar 29, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: A whole life question (put the axes and torches away)
Replies: 40
Views: 2095

Re: Should I keep Life Insurance?

I think you guys are jumping the gun. We don't know what three times salary means, is it $100,000 pr $400,000. We also don't know if the $2300 is a level premium or if it will increase with age. Would I pay $2300 a month for $400,000 of insurance coverage at age 60? You betcha. But would you pay $2...
by Steelersfan
Fri Mar 28, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I keep Life Insurance?
Replies: 16
Views: 967

Re: Should I keep Life Insurance?

If your wife will have sufficient financial resources to carry on without you (and you say she does), then dropping company life insurance is the right decision. I reached that point quite a few years before where you are and dropped the company life insurance after having it for 25 years. Initially...
by Steelersfan
Fri Mar 28, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I keep Life Insurance?
Replies: 16
Views: 967

Re: Upcoming European Vacation - Currency Exchange Questions

Thanks everyone for the responses. I just applied for a Capital One credit card. It said I was approved and would have the card in 7-10 days. I believe I'll still follow-up to check on the status and ensure that it's actually being sent. Will I need to ask the company about the CHIP + PIN info or w...
by Steelersfan
Thu Mar 27, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 1255

Re: Cancel Verizon cellular ($100/mo) for PagePlus resllers?

Just to report I went into a Verizon store and switched to the $60 Loyalty plan. I had heard they wouldn't do it there and claim ignorance of the plan but my store did know and was happy to set me up. We got the whole thing done in about 15 minutes. I get 2 GB of data on the 4G network and unlimited...
by Steelersfan
Thu Mar 27, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Cancel Verizon cellular ($100/mo) for PagePlus resllers?
Replies: 60
Views: 3312

Re: Investing in Physical as well as Financial Health

I don't understand how running on concrete can be worse than running on asphalt if you are wearing running shoes. Is concrete harder than asphalt? Yes, absolutely. Will asphalt deflect under the load of a human foot striking it through a running shoe? It seems that there must be some small amount o...
by Steelersfan
Thu Mar 27, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Investing in Physical as well as Financial Health
Replies: 39
Views: 2581

Re: Upcoming European Vacation - Currency Exchange Questions

Thanks everyone for the comments. Unfortunately the CC I have is with Wells Fargo. I'm assuming in 3 weeks I won't be able to obtain a CC that has no transaction fees. :? Absolutely you can. My Chase Sapphire Preferred will be delivered in less than seven days. Apply online, then immediately call t...
by Steelersfan
Wed Mar 26, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 1255

Re: Upcoming European Vacation - Currency Exchange Questions

Get currency at ATM's when you arrive. And/or use credit cards at places that take them. Both get you the best exchange rate. You may pay a per transaction charge, but maybe not depending on the card(s) you use. The transaction fee will be way less than the loss on exchange rate if you exchange in t...
by Steelersfan
Wed Mar 26, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 1255

Re: 529 Grandparents investing my money

I'm a grand parent and do it just the other way around, for the reasons you state. I live in a state without a deduction for 529 plan contributions but one child (and grand child) lives in a state that does. I gift him the money and he (presumably, since I have no control over it) contributes it to ...
by Steelersfan
Tue Mar 25, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Grandparents investing my money
Replies: 13
Views: 1403

Re: Ancestry Tests

marbleous wrote:
Give this a try:

http://timetree.org/


That's really neat!
by Steelersfan
Mon Mar 24, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Ancestry Tests
Replies: 19
Views: 1918

Re: Ancestry Tests

So has anyone used one of the tests, did you feel that you got an adequate and accurate report? I got my Ancestry info from 23andMe. It was interesting, but nothing super-earthshaking. For example, it only tells me that such-and-such a percentage of my DNA is "British and Irish". It doesn...
by Steelersfan
Mon Mar 24, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Ancestry Tests
Replies: 19
Views: 1918

Re: Ancestry Tests

Information on DNA testing for Native American ancestry can be found at: http://dna-explained.com/2012/12/18/proving-native-american-ancestry-using-dna/ The explanation is highly complex. I have a similar situation, as there is a vague rumor that my father's family, way back, includes Native Americ...
by Steelersfan
Mon Mar 24, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: Ancestry Tests
Replies: 19
Views: 1918

Re: 25 year old speeding ticket

dm200 wrote:I would also consider contacting my Congressman (or U.S. Senator) for assistance/intervention.


That's the best idea so far.
by Steelersfan
Fri Mar 21, 2014 10:48 pm
 
Forum: Personal Consumer Issues
Topic: 25 year old speeding ticket
Replies: 23
Views: 2375

Re: 25 year old speeding ticket

In 1988 while on Fed Gov't business I received a speeding ticket in NM while driving a rental car. i paid the ticket and thought that was over. I have handed in my retirement papers and personnel (Still Gov't) tells me the fine was not paid and I have to pay the fine $115 plus over $2200 in interes...
by Steelersfan
Fri Mar 21, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: 25 year old speeding ticket
Replies: 23
Views: 2375

Re: State Farm or Allstate

Check out what tens of thousands of current actual policy holders think about their insurance companies here. http://www.jdpower.com/consumer-ratings/insurance/index.htm Note - there is tremendous variation between regions, so the highest ratings and lowest costs in one area don't necessarily hold t...
by Steelersfan
Fri Mar 21, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: State Farm or Allstate
Replies: 26
Views: 1819

Re: Yahoo Mail

I've got two yahoo email accounts that I'm logged into all the time that go "unavailable" with various messages from time to time but not often and not for so long. Yahoo spreads email accounts over many servers backed up by many disk arrays. Any of them can go bad at any time and repair i...
by Steelersfan
Fri Mar 21, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo Mail
Replies: 10
Views: 815

Re: Sign up for COBRA?

I don't know much about HSAs, but I can tell you that if you have less than a 63 day break in coverage, the break is disregarded for purposes of preexisting conditions exclusion. I would assume it is likewise disregarded for purposes of any individual mandate. I would not bother purchasing COBRA fo...
by Steelersfan
Fri Mar 21, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Sign up for COBRA?
Replies: 7
Views: 870

Re: Friend possibly victim of real estate dual agency

At its heart, however, the seller-agent or the buyer-agent relationship represents another example of the principal-agent problem. The agent cares about their commission and will push for the deal that maximizes it, rather than what's best for either the buyer or the seller. And don't get me starte...
by Steelersfan
Fri Mar 21, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Friend possibly victim of real estate dual agency
Replies: 27
Views: 2558

Re: Final Dealer Offer Good Enough?

I found entering the car into these sites gave me a good idea if the price I got was good when I bought a new car in December.

http://www.kbb.com/new-cars/

http://www.edmunds.com/

http://www.truecar.com/
by Steelersfan
Thu Mar 20, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Final Dealer Offer Good Enough?
Replies: 19
Views: 902

Re: Flagship Rep called me

I've been Flagship for over six years and they're never called me. I do very few transactions and when I do they've done through their web site. My rep changed about 3 years ago and my new rep sent me a message introducing himself and to call if I wanted anything. I didn't so I never called. It woul...
by Steelersfan
Thu Mar 20, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Flagship Rep called me
Replies: 22
Views: 4288

Re: Friend possibly victim of real estate dual agency

It sounds like you suspect the agent was also representing the buyers.

Until you can prove that, there's nothing to do.

Take it a step at a time, maybe by getting a hold of the buyers and asking them who their agent was. Don't tell them why you're asking.
by Steelersfan
Thu Mar 20, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Friend possibly victim of real estate dual agency
Replies: 27
Views: 2558

Re: HOA lawyer sends threatening letter, need advice

It seems to me there's an unhealthy relationship between the HOA board and the management company. The management company shouldn't be engaging lawyers and inflicting legal fees without the HOA board behind them. That would certainly not happen on the HOA board I'm on. But then we've got a really go...
by Steelersfan
Wed Mar 19, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: HOA lawyer sends threatening letter, need advice
Replies: 46
Views: 4236

Re: HOA lawyer sends threatening letter, need advice

I would ask the HOA board, the management company, and the lawyer for the record of the notices sent to you about the trash can fee. If they don't have proper documentation then you have a better chance of fighting this. If in fact they have documentation, then when legal action is taken, you are al...
by Steelersfan
Wed Mar 19, 2014 8:04 pm
 
Forum: Personal Consumer Issues
Topic: HOA lawyer sends threatening letter, need advice
Replies: 46
Views: 4236

Re: Do you have a Tax Advisor?

I had all of those things and I never used a tax adviser. I did get a hard copy of Publication 17 every year to use as a reference and guide. I suspect I spent 10 - 15 hours a year doing the return. Using tax preparation software can by useful to reduce the math you have to do, at the cost of unders...
by Steelersfan
Wed Mar 19, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Tax Advisor?
Replies: 21
Views: 1659

Re: Supporting Family Members

appropriateUsername wrote:Thanks for the valuable information.

The two of them share a joint account. Is it sufficient if I just write them each a check for $1000/month (even if they just end up in the same account)?


yes
by Steelersfan
Tue Mar 18, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Supporting Family Members
Replies: 30
Views: 1697

Re: Should I keep my American Funds?

Unless your capital gains are really substantial you should sell them. I've got one American Funds fund with sufficient capital gains that it will take 15 years to recoup the tax consequences of selling and reinvesting in Vanguard funds. For those I'm having the dividends and capital gains distribut...
by Steelersfan
Tue Mar 18, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I keep my American Funds?
Replies: 19
Views: 1330

Re: Vested RSU's - I didn't sell them, now what

While the vesting date is important in that it determines when you can sell, to determine the tax implications you need to know what the price was when they were granted. You pay capital gains on the difference. The grant date may be years prior to their vesting date, and at a much lower price. You...
by Steelersfan
Sat Mar 15, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vested RSU's - I didn't sell them, now what
Replies: 16
Views: 1068

Re: Vested RSU's - I didn't sell them, now what

Ahhh, ok thank you. The current market value is $40K. I was thinking of selling the shares that just vested in the past couple of weeks because the stock price hasn't changed much. I'll have to think about the shares that vested in the past two years as the stock has steadily increased. Thanks very...
by Steelersfan
Sat Mar 15, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Vested RSU's - I didn't sell them, now what
Replies: 16
Views: 1068

Re: Old, large account - move it to index and take big tax h

Stupid question - as I understand dividends/gains - you are taxed the same whether you take them or reinvest them, right? So there is no incentive, as far as taxes go, to reinvest? Correct. So even if you decide not to go the capital gain route now, you should get the dividends going forward sent t...
by Steelersfan
Fri Mar 14, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old, large account - move it to index and take big tax hit?
Replies: 40
Views: 2600

Re: No Foreign Transaction Fee, No Annual Fee

I had a USAir miles VISA card until using their miles got to be unbookable so I switched to Capital One 1.5 % cash back three months ago. So far so good. Now I have to burn 100,000 USAir miles somehow. I hope to get a flight sometime to somewhere, maybe Europe, when I'll use my Capital One card tran...
by Steelersfan
Thu Mar 13, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: No Foreign Transaction Fee, No Annual Fee
Replies: 24
Views: 1431

Re: Old, large account - move it to index and take big tax h

I will have to call up to find out the basis. The website only goes back to 2003 or so. I had that same situation when I decided to sell a single company stock I held for many years, reinvesting dividends all along the way. Since I couldn't find (at the time) a source for the dividends, I used my o...
by Steelersfan
Thu Mar 13, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old, large account - move it to index and take big tax hit?
Replies: 40
Views: 2600
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