Search found 2529 matches

Return to advanced search

Re: HOA Townhouse Reserve Amount

There's no one answer to your question. A reserve study is probably the best answer, but expect to pay in the range of $5,000 for one. One guideline for a condo from the FHA (not the same as a HOA but similar) is that 10% of the annual budget should go toward the reserve account. Hopefully that buil...
by Steelersfan
Thu Dec 18, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA Townhouse Reserve Amount
Replies: 9
Views: 527

Re: Charitable Contribution from IRA

AFAIK, the one year tax extension bill passed the House and Senate and is now waiting on the President's signature. That would extend QCD for 2014 only.... And it's not retroactive so any contributions you made before the passage don't count. What doesn't count are any contributions you make in 201...
by Steelersfan
Wed Dec 17, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Charitable Contribution from IRA
Replies: 13
Views: 538

Re: No Foreign Fee Credit Card - Exchange Rate

Yes, Capital One worked for us in Paris and Berlin as well. Steelersfan: What rate did you get on the Euro in Germany with Capital One? We got 1.25 and I thought I should've gotten 1.23 or 1.24. Every transaction was different since they use the current institutional market exchange rate at the tim...
by Steelersfan
Wed Dec 17, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1101

Re: No Foreign Fee Credit Card - Exchange Rate

We usually use the Capital one cash back (1.5%) rewards. +1 And in a recent two week trip to Germany I used it without a chip with no issues at the hotels I stayed at. I bought my train tickets online ahead of time and those went through fine also. That saved a good chunk of change if you're able t...
by Steelersfan
Wed Dec 17, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1101

Re: Long term care insurance?

Here's a poll from a while back on actual boglehead behavior on LTCI: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=125325 But be aware that many of the 60+ folks bought their policies years ago when terms were more favorable toward the insured and policies were cheaper. Here's a companio...
by Steelersfan
Tue Dec 16, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance?
Replies: 23
Views: 1833

Re: Long term care insurance?

Here are a couple of previous threads to get you started so posters won't have to repeat themselves so much. They probably will though, since this topic gets lots of responses every time it comes up. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=130943 https://www.bogleheads.org/forum/vie...
by Steelersfan
Mon Dec 15, 2014 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance?
Replies: 23
Views: 1833

Re: 80/20 stocks/bonds for near retirement

I'm in a similar situation and am at 60%/40% and have been since I retired, and 7 years in. I wouldn't be comfortable going any higher. Too much unnecessary risk. So Steelersfan. You have been retired for 7 years, and lived through the bear market and subsequent recovery. How did that work out for ...
by Steelersfan
Mon Dec 15, 2014 7:03 am
 
Forum: Investing - Help with Personal Investments
Topic: 80/20 stocks/bonds for near retirement
Replies: 26
Views: 2262

Re: 80/20 stocks/bonds for near retirement

I'm in a similar situation and am at 60%/40% and have been since I retired, and 7 years in.

I wouldn't be comfortable going any higher. Too much unnecessary risk.
by Steelersfan
Sun Dec 14, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 80/20 stocks/bonds for near retirement
Replies: 26
Views: 2262

Re: Are all computer printers now wireless?

I got an HP Envy 450 that has a wired connection about 6 months ago because I hadn't figured how easy wireless was to set up. It's been working fine. I especially like that it not only prints paper output but scans documents that I can email. In a pinch I can make copes too. When it comes time to re...
by Steelersfan
Sun Dec 14, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Are all computer printers now wireless?
Replies: 33
Views: 2028

Re: friend has $70K; wants income from it

And if she puts it into CD's with a one to two year maturity she'll get between 1.0% and 1.5% interest, which is about $75 a month, if she only wants to live off the interest.

Hardly life changing.
by Steelersfan
Sat Dec 13, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: friend has $70K; wants income from it
Replies: 11
Views: 2121

Re: At what age did you find dream job?

My dream job started 12 years into a career at a company I worked at for 36 years. That's when I got a job that matched my skills and had a decent (sometimes good) manager. I loved every minute of it. That lasted about 20 years, when the company and management changed. While I was doing similar work...
by Steelersfan
Sat Dec 13, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you find dream job?
Replies: 32
Views: 2649

Re: A Visit toPittsburgh

My most entertaining dining experience there was definitely Offrahousen (sp?), a brewery/restaurant made out of an old coal processing building. Great food, local beer, and live entertainment. I suspect this is the place you're talking about: http://hofbrauhauspittsburgh.com/ It's a franchise opera...
by Steelersfan
Wed Dec 10, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: A Visit toPittsburgh
Replies: 35
Views: 1941

Re: What is the best meal you've had at a restaurant?

It was a roasted duck at Four Seasons in NYC many years ago. When I went back to recreate the experience, it was good, but not as great as I remembered. :(
by Steelersfan
Tue Dec 09, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6535

Re: A Visit toPittsburgh

coalcracker wrote:Station street hot dogs (lunch place run by a local celebrity chef, not pretty but great hot dogs)

Yes, I am a foodie. :D


Good list, but that one closed while the chef prepares to open a new restaurant. In Braddock, abandoned steel mill nexus.
by Steelersfan
Tue Dec 09, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: A Visit toPittsburgh
Replies: 35
Views: 1941

Re: A Visit toPittsburgh

I've never understood the allure of a Primanti's sandwich, except it is totally a Pittsburgh thing. It's too big to get in your mouth, the fries that they add between the slices of bread get soggy from the cole slaw that's in there too, and the grease content is crazy. http://www.fatsecret.com/Diary...
by Steelersfan
Tue Dec 09, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: A Visit toPittsburgh
Replies: 35
Views: 1941

Re: East Coast trip with kids (NYC, Boston, Washington?)

D.C. would be my first choice for families with kids that age. Add New York and/or Boston if you have time.

Trains/buses are the way to get between those cities. A car when you get there will just get in the way and be (very) expensive to park.
by Steelersfan
Tue Dec 09, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: East Coast trip with kids (NYC, Boston, Washington?)
Replies: 23
Views: 1585

Re: A Visit toPittsburgh

I've heard that the The National Aviary - The Nation's Premier Bird Zoo is worthwhile. It is, if you're into flying animal things. If you're into green growing things, the Phipps Conservatory is outstanding, and has the nicest gift shop I've ever seen in a museum. The cafe isn't overpriced either. ...
by Steelersfan
Tue Dec 09, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: A Visit toPittsburgh
Replies: 35
Views: 1941

Re: How long did your IT career last? At what age did it en

What seems clear to me after three pages of posts is that companies and individuals are so different that no general rule applies.
by Steelersfan
Sun Dec 07, 2014 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14584

Re: Will Vanguard ever offer a passbook savings account?

Not going to happen. The way a bank makes money on deposits, Checking but especially Savings, to to create a loan portfolio that uses those funds as the source to support the loans. That would put Vanguard in the lending business, a place where they surely don't want to be - way outside their core s...
by Steelersfan
Tue Dec 02, 2014 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard ever offer a passbook savings account?
Replies: 36
Views: 2357

Re: Unbroken!

Based on this thread I'm 100 pages in Unbroken. Impressive so far, and I expect it will get better.

I'll finish the book and see the movie.

What a life!
by Steelersfan
Mon Dec 01, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Unbroken!
Replies: 20
Views: 4138

Re: Old Company forcing Rollver from 401K to IRA

You're probably better off in a low cost IRA than your 401K; with better investment options and maybe lower ER's.

Let it go and move the funds to an IRA at a fund manager of your choice. Your'e at the right place to learn about for one of the good ones.
by Steelersfan
Sat Nov 29, 2014 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Old Company forcing Rollver from 401K to IRA
Replies: 16
Views: 1312

Re: thoughts on NQDC

Welcome to the forum. I think a little more info is required: 1. Do you have a 401k available? 2. What are the investment options available in the NQDC? 3. What are the distribution options? 4. How many years before you retire? 5. Health of the company? I am guessing that you are pretty young based...
by Steelersfan
Thu Nov 27, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: thoughts on NQDC [Non-Qualified Deferred Compensation]
Replies: 7
Views: 861

Re: How long did your IT career last? At what age did it en

I retired at age 60 after 36 years at the only company I worked at, not a Silicon Valley company, but a financial company that relied heavily on it's IT expertise. The company had recently gone through a merger and was offering an excellent displacement package to employees who were considered "...
by Steelersfan
Wed Nov 26, 2014 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14584

Re: Do you use a phone book?

I used mine just yesterday - to hold my replacement garbage disposal in place while I made all the connections to the old outlets. That sucker was heavy and awkward. I used all three, and they worked pretty well.

Other than that, I haven't used one in years.
by Steelersfan
Mon Nov 24, 2014 7:06 am
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2136

Re: Help with Mom's portfolio

TP81 wrote:Yes, my dad is deceased. He and my mom were married for over 20 years. However, my dad did remarry before he passed and was remarried for about right around 10 years. Does this change the situation?


No. Every person he was married to for 10 years can independently collect on his record.
by Steelersfan
Sun Nov 23, 2014 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's portfolio
Replies: 19
Views: 1871

Re: getting umbrella insurance

I had auto insurance with one company and condo insurance with another. I wanted to add umbrella insurance.

I asked both company's for quotes. They didn't ask me anything besides what I wanted.

I compared both quotes for all three and picked one.

Easy.
by Steelersfan
Thu Nov 20, 2014 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: getting umbrella insurance
Replies: 25
Views: 1525

Re: thinking of opening a franchise

Here's the previous thread from two months ago, and it's even about Dunkin' Donuts:

http://www.bogleheads.org/forum/viewtopic.php?f=2&t=146997&p=2193796
by Steelersfan
Thu Nov 20, 2014 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: thinking of opening a franchise
Replies: 21
Views: 3081

Re: Poll: Net cost of your checking account annually?

The bank charges me nothing.

I get three cents off gas for every $50 I spend on groceries and gift cards if I use their debit card.

That comes to a little more than $50 a year. It would be more if I bought more groceries, drove more miles and had a bigger gas tank.
by Steelersfan
Wed Nov 19, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2778

Re: HOA resurrection

If it's a legal Home Owner Association, and not an informal association of people living in particular development, here are the West Virginia laws in a couple of different formats: http://homeowning.homestead.com/files/wvhoa.htm http://www.hoa-usa.com/statelaws/wv.aspx You need to determine what ty...
by Steelersfan
Mon Nov 17, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 4120

Re: Insurance Company Protection

Genworth was assuredly a separate legal entity from GE corporate. The legal entity is where the liability lies. There's a pretty good history of the company in this Wikipedia article, going back to it's roots as The Life Insurance Company of Virginia, doing LTC products some time after 1928. GE appe...
by Steelersfan
Mon Nov 17, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Company Protection
Replies: 14
Views: 1172

Re: How often do you go out to dinner?

I voted 0 but in a normal month it's once or twice.

I go out for lunch more often, maybe twice a week.
by Steelersfan
Mon Nov 17, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 5564

Re: Hoa resurrection

They had a meeting and there was a vote. Unfortunately i was working that day and could not attend. I do not know how many people were at the meeting. We are in WV. Mike This does not sound right. Even if you were unable to attend the meeting, you should have been able to vote on the new board. I w...
by Steelersfan
Sun Nov 16, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 4120

Re: Hoa resurrection

Steelersfan, Our HOA (private homes) CCRs and Bylaws clearly state that a special assessment requires the vote and approval of 75% of the 162 homeowners. Please note that I used the term "special assessment". About five years ago we needed to fund and initiate a 20-year capital improvemen...
by Steelersfan
Sun Nov 16, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 4120

Re: "The dangers of long-term care insurance"

Genworth, a big LTC player, has recently had its bonds downgraded to junk. The story goes that their LTC business is worthless. Apparently, bad underwriting is the cause. I wonder how much of it was bait and switch—they kept raising the premiums. Also, Genworth policies were very popular with the s...
by Steelersfan
Sun Nov 16, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 132
Views: 13191

Re: Hoa resurrection

When you state that the association was revived, was a new board elected by the homeowners? If so, some rules must have been followed to elect the board. You must have the original CC&Rs. Were the rules followed to elect this board? There had to be a meeting to decide the new fee. Where the rul...
by Steelersfan
Sun Nov 16, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 4120

Re: Just signed up Obamacare again.

I became eligible for Medicare just as the ACA was taking effect.* I was working for a large corp with a selection of healthcare plans, so I would not have had to use the exchanges to shop for an individual plan anyway. But after 20+ years of dealing with my employer's open enrollment, I can say th...
by Steelersfan
Sat Nov 15, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3625

Re: Why own International at all?

I'm at 20%, low by many bogleheads' standards.

I think international exposure is important for the reasons stated above, but U.S. multi-nationals rely so much on international business, and have investments in so many countries, I keep it at the low end.
by Steelersfan
Fri Nov 14, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why own International at all?
Replies: 45
Views: 4414

Re: Society of Actuaries Increases Life Expectancy Projectio

On the positive side, it should reduce RMD's from IRA's, at least in the early years after 70.5.
by Steelersfan
Fri Nov 14, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Society of Actuaries Increases Life Expectancy Projections
Replies: 14
Views: 1702

Re: Vanguard launches new offering ...

JoMoney wrote:The big "V" shirt makes me think it should come with a Guy Fawkes mask.


Just tell them you're in favor of blowing up the high fees some mutual funds charge. :happy
by Steelersfan
Thu Nov 13, 2014 6:57 am
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 12781

Re: What Movie Have You Recently Watched?

Levett wrote:Nightcrawler. Creepy. Almost Faustian in its bargains with the devilish.

Not family entertainment. :wink:

Wonderful performance by Jake Gyllenhaal.

Lev


Agree, but I found it depressing, hard to watch at times, and in the end did not like it.
by Steelersfan
Wed Nov 12, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 254
Views: 27170

Re: Your car(s) are equal to how many months income

DFrank wrote:I calculated just over 2.5 months for us, voted for 3 months.


My calculation came to the same result and I voted 2 months, so we average out just fine.
by Steelersfan
Wed Nov 12, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 6246

Re: Vanguard launches new offering ...

Cheapest advertising ever.

And if it gets a person to engage in conversation with the wearer, best word of mouth activator ever.

But where are the "I'm a Boglehead" products. :P
by Steelersfan
Wed Nov 12, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 12781

Re: HoA for Building - What to consider for a Subdivision

Here's Connecticut's condominium law in layman's terms. You state will be different but similar: http://www.cga.ct.gov/2009/rpt/2009-r-0123.htm Google "yourstate condominium law" to find the law in your state. It will be in legalize but you should be able to understand the relevant parts w...
by Steelersfan
Wed Nov 12, 2014 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: HoA for Building - What to consider for a Subdivision
Replies: 5
Views: 484

Re: HoA for Building - What to consider for a Subdivision

Most votes in these situations are on a percentage basis, not strictly number of units, and dividing a unit would not increase their percentage. That may or may not be advantageous to your interests. At least in my state (yours may be different, find the state condominium law) 67% is required to cha...
by Steelersfan
Tue Nov 11, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: HoA for Building - What to consider for a Subdivision
Replies: 5
Views: 484

Re: Trust protection questions

Family law is so different in states it's not possible to give a good answer, and something this important shouldn't be left to anonymous posters on an internet board (like me). But I would be inclined to think that the assets in the trust are probably not at risk, but that any recurring income stre...
by Steelersfan
Tue Nov 11, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trust protection questions
Replies: 13
Views: 1367

Re: "The dangers of long-term care insurance"

More bad news for Genworth, the largest provider of LTC insurance. Those who have solid, old contracts may not suffer too much, but newer policies are going to be less attractive. The financial security company reported a loss of $844 million yesterday, driven by costs tied to its long-term care ins...
by Steelersfan
Sun Nov 09, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 132
Views: 13191

Re: Travelling Companions or small groups

I have a friend who travels with a sister or other groups of friends and they've been happy with both Rick Steves and Rhodes Scholars.

Me? I research and book all travel myself and go alone. It's way cheaper than a tour if you know how.
by Steelersfan
Sun Nov 09, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Travelling Companions or small groups
Replies: 32
Views: 2907

Re: How to calculate rate of return on cash value life insur

I would keep it, no question. You have $79k worth of life insurance, plus cash value that is growing a lot more than the annual premium amount. Surely, the death benefit has some significant value to survivors, or perhaps for estate planning purposes. Don't forget that life insurance proceeds are u...
by Steelersfan
Sat Nov 08, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate rate of return on cash value life insurance
Replies: 7
Views: 911

Re: Your very first email

1985, when we installed Wang office systems as a pilot on an IT group's desks, soon to go out corporate wide. A couple of interesting items. Before we started the installation there was a whole floor of secretary/typist who supported the 40 story building of people, using interoffice mail or persona...
by Steelersfan
Thu Nov 06, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2433
Next

Return to advanced search