Search found 2749 matches

by Steelersfan
Thu Jul 02, 2015 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 30
Views: 2409

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

Will he charge any sort of fee for her pulling her money? Thanks. And I look forward to learning a ton on this forum. It depends on what, if any, type of contract she has with the adviser. She probably doesn't have anything. I had a six figure investment in a Class A American Fund. It had already b...
by Steelersfan
Thu Jul 02, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Mom's Employer - Lots of Issues
Replies: 19
Views: 2396

Re: Mom's Employer - Lots of Issues

Thanks for posting this - it is exactly what I found last night and was my reference for the FMLA loophole. My mom worked for a local plant that was recently acquired by MegaCorp 2-3 years ago. This particular local plant in our region has around 200 employees. My mom was one of three people to get...
by Steelersfan
Thu Jul 02, 2015 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Mom's Employer - Lots of Issues
Replies: 19
Views: 2396

Re: Mom's Employer - Lots of Issues

On being laid off at return to work from FLMA, from the DOJ site. Do a "find" for "layoff": Q: Are there other circumstances in which my employer can deny me FMLA leave or reinstatement to my job? In addition to denying reinstatement in certain circumstances to "key" em...
by Steelersfan
Mon Jun 29, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4313

Re: Travel to Greece

You won't want to make plane reservations until 3 - 4 months, that being the usual best lead time to get a good air fare. Since you're asking about summer of 2016, check back in early 2016 when the situation is way better known. Trying to predict something as volatile as the Greek situation this far...
by Steelersfan
Mon Jun 29, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 28
Views: 2243

Re: Purchase '98 Toyota Camry?

I sold my 1997 Camry with 80,000 miles on it to a friend for $2,500 a year ago. That price reflected a "friend's discount". It had been an excellent car for me but I just wanted something new after 17 years. A year later, driving many more miles a year than I ever did, he's still happy wit...
by Steelersfan
Sun Jun 28, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 54
Views: 4974

Re: Lucent offering pension buyout to retirees: what to do?

Besides the financials of the offer, he needs to consider his age, general level of health, and whether or not longevity runs in his family.
by Steelersfan
Sun Jun 28, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 47
Views: 3605

Re: can you recommend comfortable walking shoes?

Another vote for New Balance. I have wide feet so I need shoes that come in widths.

They seem to last well, are quite sturdy, and have more lateral control than some others I tried.
by Steelersfan
Sat Jun 27, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Condo HOA not allowing wood flooring due to noise concern... Is this a sign of shoddy construction?
Replies: 9
Views: 1063

Re: Condo HOA not allowing wood flooring due to noise concern... Is this a sign of shoddy construction?

I live a 1930's condo building and the quality of the construction done then is one of draws for people who buy here. We require at least 75% of the (original) hardwood floors to be covered by carpeting, either area rugs or wall or wall, so no, its not an indication of the quality. OTOH - some build...
by Steelersfan
Fri Jun 26, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 2107

Re: Condo - HOA Rules for Leasing

stan1 wrote: Make sure the roommate obeys parking rules -- that's one of the fastest way to upset the rest of the community.


Agree.

Also making loud noise during normal sleep hours will get the HOA's attention very quickly.
by Steelersfan
Fri Jun 26, 2015 7:48 pm
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 4196

Re: Smart phone data usage

A lot depends on whether you have wifi capable cable in your home. If you do, and it's relatively recent, you can connect through that when you're home and all your apps will update automatically without using any of your data allowance, and only when you're in your home. Updating apps that way can ...
by Steelersfan
Fri Jun 26, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 2107

Re: Condo - HOA Rules for Leasing

You're still the owner and you're still the occupant. I doubt if anyone is going to have an issue with what you''re doing, although I wouldn't advertise it too loudly. Just sign some type of agreement with your new room mate so things are clear between the two of you and don't look back. Many condo ...
by Steelersfan
Fri Jun 26, 2015 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 2107

Re: Condo - HOA Rules for Leasing

Are you saying your condo association prohibits an unmarried couple from living in your complex? I'd suggest changing that. We would not prohibit that. We take a very broad and modern view of "family" and it hasn't been an issue and would not be, as long as the board is made up a reasonab...
by Steelersfan
Fri Jun 26, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 2107

Re: Condo - HOA Rules for Leasing

It would be helpful if you posted the exact language in the by-laws. Our condo association restricts occupants of a single unit to being members of the same family. The intent is to prevent a unit being turned into a college dorm unit, with all the fun and games that potentially go with those kinds ...
by Steelersfan
Wed Jun 24, 2015 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Ask me anything - Mortgages
Replies: 29
Views: 3768

Re: Ask me anything - Mortgages

This is where I look to see if a condo has been approved (or not) for FHA mortgages.

https://entp.hud.gov/idapp/html/condlook.cfm

When I just did a query it failed and noted it's only available during the work week. :oops:
by Steelersfan
Tue Jun 23, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Ask me anything - Mortgages
Replies: 29
Views: 3768

Re: Ask me anything - Mortgages

Correct, my friend is not looking for an FHA loan. Instead, they are looking at several condos in a certain area, and since none are not on the Fannie Mae list, my friend is being told they must pay cash. Does not seem right. I looked up the Fannie Mae list and in my state, there is not a single co...
by Steelersfan
Tue Jun 23, 2015 2:06 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 20022

Re: What was the 2008 crash like in real time?

It was definitely slow motion, especially watching the President and Congress get their act together.

That's when I first saw the wisdom of tax loss harvesting, took a quick introductory course (here), and am reaping the benefits even now.

But for the last year. :(
by Steelersfan
Sat Jun 20, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 21
Views: 2773

Re: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

If you know the division he served in, you can google it's name and WW II and maybe find one or more memorial sites about it. I found one (of several) for my father that gave the names of each of the towns where they stopped and set up a command post, often staying there for several days. There may ...
by Steelersfan
Sat Jun 20, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding sharing an inheritance:
Replies: 19
Views: 2098

Re: Question regarding sharing an inheritance:

You don't say this, but I presume you'll wait until the money is in your hands AND the estate is closed before you do or say anything. Since you're not the executor, there's a small chance there could be challenges to the estate that will cost you money to resolve.
by Steelersfan
Sat Jun 20, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 6214

Re: So my pension has been frozen...

Be sure and come back in 27 years and let us know if you made the right decision. :wink:
by Steelersfan
Sat Jun 20, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can I transfer a mastercard account to a different card?
Replies: 11
Views: 1003

Re: Can I transfer a mastercard account to a different card?

Nope, can't transfer.

MasterCard is an association and the banks are members who own the account.

Open another MasterCard with whoever has the best deal for the type of spending you do.
by Steelersfan
Sat Jun 20, 2015 11:26 am
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 6214

Re: So my pension has been frozen...

It took me a while to find it, but my estimated lump sum at 65 is $25,413 if I leave the money in the plan. If I choose to withdraw contributions and interest at 65, the monthly benefit drops to $175/$88 for the "50% Joint and Survivor Annuity Option." I bet there are a bunch of weasel wo...
by Steelersfan
Fri Jun 19, 2015 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: So my pension has been frozen...
Replies: 34
Views: 6214

Re: So my pension has been frozen...

I'd take the money and run, not walk, to an IRA.
by Steelersfan
Fri Jun 19, 2015 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Ticker Symbols on 401k Northern Trust Funds
Replies: 7
Views: 539

Re: Help with Ticker Symbols on 401k Northern Trust Funds

Yes, Here are some ETF's that track the same index as your CIT and should have the same annual results (with minor differences in between quarters because of the way dividends may be held and reinvested) There can also be small differences because mutual funds have a management fee while the costs ...
by Steelersfan
Thu Jun 18, 2015 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Just what is "management" and "exectutive" anyway
Replies: 14
Views: 2354

Re: Just what is "management" and "exectutive" anyway

To me, executive management is several levels (it depends on the size of the company) above first line managers. They usually participate in establishing policy for a broader group than just their employees. First line managers manage people, their performance appraisals, and the budget of whatever ...
by Steelersfan
Mon Jun 15, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee (HCE)
Replies: 14
Views: 2131

Re: Highly Compensated Employee (HCE)

Participation by others in your company is likely the answer, so it may or may not happen again. I got into the HCE pool one year with normal annual raises and no change in what I contributed as a percentage of salary or to the company match. There must have been other folks affected, because the co...
by Steelersfan
Wed Jun 10, 2015 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Dreyfus Standish Global Fixed Income, Going Down
Replies: 4
Views: 517

Re: Dreyfus Standish Global Fixed Income, Going Down

DHGAX is a bond fund. Al bond funds are down in recent weeks as interest rates have risen. There are lots of threads here about what strategy to have when interest rates are rising. Look for threads in this forum with those kinds of titles . BTW - DHGAX is doing quite well compared to a couple of bo...
by Steelersfan
Wed Jun 10, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Fellow condo owner stopped paying HOA fees. What happens next?
Replies: 19
Views: 3820

Re: Fellow condo owner stopped paying HOA fees. What happens next?

I would caution against trying to have the HOA association try to do their own legal work in a situation like this. Sending the first few notices that payments are behind is fine, but once you get to the stage of threatening legal action, that's a whole different arena. Do it yourself legal work may...
by Steelersfan
Tue Jun 09, 2015 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fellow condo owner stopped paying HOA fees. What happens next?
Replies: 19
Views: 3820

Re: Fellow condo owner stopped paying HOA fees. What happens next?

I'm on the board of a HOA (Condo) in PA. We're pursing a guy who's three months behind in his dues. We are at level two, after a warning letter, now a formal letter to tell him we're going to pursue legal action if he doesn't pay up. In the letter to him, "Pursuant to the Uniform Condominium ac...
by Steelersfan
Tue Jun 09, 2015 6:01 am
Forum: Personal Consumer Issues
Topic: HOA interior restrictions
Replies: 3
Views: 801

Re: HOA interior restrictions

Yes, if it's in their Declaration and/or By-Laws. Our HOA/condo association only restricts alterations to interior walls that might affect structural integrity, but says nothing about flooring or remodeling. They do say that the original hardware floors have to have carpet (wall to wall or area rug)...
by Steelersfan
Mon Jun 08, 2015 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Designation of beneficiary for retirement plan
Replies: 5
Views: 788

Re: Designation of beneficiary for retirement plan

I have my beneficiaries set up so she is primary and the kids are contingent beneficiaries. That way, if she doesn't need the money, she can disclaim all or part if it and it goes directly to the kids. She has nine months to make that decision.
by Steelersfan
Sun Jun 07, 2015 6:26 am
Forum: Personal Finance (Not Investing)
Topic: New CC expiration date but same card number - do I have to update auto pays?
Replies: 11
Views: 1359

Re: New CC expiration date but same card number - do I have to update auto pays?

I got a new chip card two weeks ago - same number, new expiration date, new three digit number on back.

So far three different recurring payments from three different companies have been processed without notification.
by Steelersfan
Fri Jun 05, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 75
Views: 9477

Re: Stanley Kubrick's 2001 a space odyssey

+1 for bdanes' explanation. I drove myself 75 miles from the boonies in the Midwest to the state capital just to see it, in very wide screen CinemaScope. I couldn't figure it out, so I asked my super smart college room mate (who eventually earned a Ph. D). He rattled it off straight away. Of course,...
by Steelersfan
Mon Jun 01, 2015 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Vaguard/Fidelity Siding with Insiders
Replies: 3
Views: 609

Re: Vaguard/Fidelity Siding with Insiders

Earlier discussions about the issue in case you missed them:

http://www.bogleheads.org/forum/viewtopic.php?f=10&t=157655&
by Steelersfan
Sun May 31, 2015 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Fee's- American Funds 5.75% Load
Replies: 16
Views: 1541

Re: Mutual Fund Fee's- American Funds 5.75% Load

I was stuck with American Funds Loads for 2 years via a company SIMPLE IRA, but got out after the govt waiting period. What caught my attention here is why compare the American Fund with VTSAX. I'm not sure if that is an equal comparison. When I looked at the portfolio makeup in Morningstar they ar...
by Steelersfan
Sun May 31, 2015 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Fee's- American Funds 5.75% Load
Replies: 16
Views: 1541

Re: Mutual Fund Fee's- American Funds 5.75% Load

One thing about American Funds is that in the early to middle 2000's they made out sized bets on foreign stocks and won the game. That made them look comparatively better than pure domestic funds for longer time frames. Check out their three and five year performance and you might get a different an...
by Steelersfan
Wed May 20, 2015 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 5219

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: 1338

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: 880

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: 5734

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: 4021

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: 32
Views: 2247

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: 3196

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: 3196

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: 931
Views: 147768

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: 523

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: 3723

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: 2642

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: 1217

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: 2163

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 ...

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