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Re: Moving from Edward Jones to Vanguard

With a long investment horizon, it will almost certainly make sense to take the capital gains hit and move out of the American funds to lower cost funds at Vanguard. But you don't need to take the hit all at one time unless you want to. You can instead spread it out over several years, one fund at a...
by Steelersfan
Fri Jul 18, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Vanguard
Replies: 9
Views: 1169

Re: How much energy does water heater use when I'm not home?

I used to turn the temperature down on the water heater when we went on longer vacations, then turned it back to normal when we returned.

That might be a middle ground.
by Steelersfan
Fri Jul 18, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2685

Re: Just purchased a condo. Insurance question



Those links cover what I was trying to, but way better.
by Steelersfan
Fri Jul 18, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just purchased a condo. Insurance question
Replies: 10
Views: 885

Re: Just purchased a condo. Insurance question

I would contact the Board and find out what insurance the board carries. That would help you understand what coverage you require. Why not ask one of your board members this question? Agree - the condo association likely has language in its bylaws that require condo insurance and what type to get. ...
by Steelersfan
Fri Jul 18, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just purchased a condo. Insurance question
Replies: 10
Views: 885

Re: Pension expectations

I agree that few public pensions adjust for inflation.

So the real question for you is, what will $1,450 a month buy you 25 years from now?

I don't know either but it will be worth a whole lot less than it is today.

An equivalent amount 25 years in the past (1979) would be worth $450 today.
by Steelersfan
Fri Jul 18, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension expectations
Replies: 5
Views: 998

Re: Dad had a whole life policy but it sounds like term life

This discussion seems unintelligent. Do you have a copy of the policy in your hand? How on earth is it that you can speculate without reading it? Also, $60K with $200/mo in premiums for 40 years does not add up, even if it was lower before and increased. I say grab a copy of the policy as is your r...
by Steelersfan
Fri Jul 18, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dad had a whole life policy but it sounds like term life?!
Replies: 10
Views: 870

Re: Rate my insurance policy (Northwestern Whole Life)

I've got a similar policy from NML and I've decided to keep it in force. I asked about using the cash value to pay future premiums but that's not an option with my particular policy. Yours might be different. My cash value is returning close to 5% a year so that's a solid return for a no risk invest...
by Steelersfan
Mon Jul 14, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rate my insurance policy (Northwestern Whole Life)
Replies: 4
Views: 634

Re: Euros for a regular retail client

thank you very much for sharing, that was useful i guess i can just bite the bullet and bring only about $100 USD and exchange at chase... You're very unlikely to find a Chase ATM in Europe. Just use one of the major local banks or the Postal Service ATM if there is one. There will be multiple to c...
by Steelersfan
Mon Jul 14, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Euros for a regular retail client
Replies: 20
Views: 1712

Re: What after-tax income could you live on today?

kd2008, re: "Could the OP please clarify, is this per person or per household (which could include any number of people greater than or equal to one)? Thanks!" There just wasn't a way to account for those types of variations in a poll like this. My original intent, which I wasn't clear en...
by Steelersfan
Fri Jul 11, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 4863

Re: Euros for a regular retail client

I travel quite a bit and I do not get the foreign currency at home which is always more expensive. Just get your Euro at the airport ATM on arrival. I haven't never had any problems doing this in Europe or Asia. I usually use my debit card from my bank. Make sure that you let your bank know that yo...
by Steelersfan
Fri Jul 11, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Euros for a regular retail client
Replies: 20
Views: 1712

Re: Voyager Select Financial Plan - Worth It?

Mick wrote: Most everything he recommended or we talked about matched what I had already read here on bogleheads.


I agree. If a person has been following and understanding the posts here for a while the review is much less useful.

I was new to the forum at the time so it gave me a good starting point.
by Steelersfan
Fri Jul 11, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Voyager Select Financial Plan - Worth It?
Replies: 13
Views: 1812

Re: Voyager Select Financial Plan - Worth It?

I did one a few year sago so it might have changed, i.e. become more cookie cutter, but I thought it was worthwhile. They took my entire portfolio into account, a good percentage of which was not Vanguard funds. They suggested several long term moves, most of which I have done in the interim. The co...
by Steelersfan
Fri Jul 11, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Voyager Select Financial Plan - Worth It?
Replies: 13
Views: 1812

Re: Engineer career change

Your goal should not be to maximize your compensation but to maximize your job satisfaction.

You've got along life ahead of you. Find something that you like, even if it pays you somewhat less.
by Steelersfan
Thu Jul 10, 2014 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5392

Re: Euros for a regular retail client

I used both Euros from an ATM via my debit card once I got to Europe and credit cards at merchants and hotels about equally. I never took Euros with me except what few I might have brought back from a previous trip. I always did take a few hundred US dollars as a worst case, stop gap contingency tha...
by Steelersfan
Thu Jul 10, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Euros for a regular retail client
Replies: 20
Views: 1712

Re: Affordable health insurance

Lake Living wrote:
bluemarlin08 wrote:Rates for COBRA will for sure increase when your employer must meet ACA requirements.


Don't think this is accurate, mine didn't.


And if the company has more than 50 employees, I believe their policies already had to be ACA compliant in 2014.
by Steelersfan
Thu Jul 10, 2014 8:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2899

Re: Affordable health insurance

Go to ehealth.com and plug your info in and see what is available. You want to focus on a company like United Health Care (Golden Rule) due to their nationwide network versus BC. The problem, however, is that most companies will increase premiums at renewal. So compare these current plans with your...
by Steelersfan
Wed Jul 09, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2899

Re: POLL: How Old is Your Newest Motor Vehicle?

I only have one vehicle and I answered "Less than one year", but that's only because I traded cars about 6 months ago. My 17 year old Camry was still in perfect condition and I planned to keep it for another decade or so, but I just got an itch for a new car that got better mileage and all...
by Steelersfan
Tue Jul 08, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle?
Replies: 37
Views: 2397

Re: Affordable health insurance

With COBRA you can extend your current coverage for up to 18 months. It will be exactly what you have now, from your same insurance company. You will play whatever you pay now, plus whatever subsidy your company provides you, plus a 3% administrative fee. The company's portion of the coverage, which...
by Steelersfan
Tue Jul 08, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2899

Re: Valuing a personal residence for net worth purposes

I use recent sales prices of comparable places in my area, less what I think it would take to sell it. Zillow can be very inaccurate. I live in a multiple building condo. Units in my building it currently values at $130,000. Units in a more two desirable buildings, with almost identical specs, it va...
by Steelersfan
Sat Jul 05, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 3732

Re: POLL: Are You Re-Balancing?

I answered "yes", presuming moving some out of equities and into bonds on June 5th is recently.
by Steelersfan
Fri Jul 04, 2014 6:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4945

Re: Changed Lawyers - Won't Transfer File

With, so many serious issues apparent with the old firm, are you even thinking about forms of delivery other than picking the files up yourself, to be sure you're getting everything?

The saying "penny wise and pound foolish" comes to mind.
by Steelersfan
Wed Jul 02, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changed Lawyers - Won't Transfer File
Replies: 29
Views: 2234

Re: Changed Lawyers - Won't Transfer File

The old law firm would have financial liability if the file didn't arrive at the new firm. Are you willing to waive that liability? Meaning, if it is lost in the mail? I would waive the liability... That's one possibility. Them putting an incorrect address on it, the mail gets tossed and is never f...
by Steelersfan
Wed Jul 02, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changed Lawyers - Won't Transfer File
Replies: 29
Views: 2234

Re: Changed Lawyers - Won't Transfer File

How large is the file, in years and inches?

The old law firm would have financial liability if the file didn't arrive at the new firm. Are you willing to waive that liability?
by Steelersfan
Wed Jul 02, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changed Lawyers - Won't Transfer File
Replies: 29
Views: 2234

Re: Hit our number, should we change our asset allocation?

How many grandchildren do you have? Are you investing just for yourself or for your favorite charity? If you want to leave a lot behind, you might just stick with the plan you have. Maybe I am asking whether your number is really "your" number. Very good point. What is your REAL number? M...
by Steelersfan
Mon Jun 30, 2014 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hit our number, should we change our asset allocation?
Replies: 34
Views: 2744

Re: Hiring a genealogy researcher in Eastern Europe

Here's an association that people have to pass an accreditation to get listed. That would be of some value. I know some who are accredited for my area and they're capable. https://www.apgen.org/ Search for country "Poland" or any other country of interest, either by where they live or whic...
by Steelersfan
Mon Jun 30, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Hiring a genealogy researcher in Eastern Europe
Replies: 7
Views: 487

Re: Help for my sister

If she remarries and loses the ex-spouse's SS benefit, isn't there some length of new marriage qualification she has to meet to be eligible for a SS benefit based on the new spouse's earnings? It doesn't appear so. But there are some cases when the new married spouse can collect on the ex-spouses's...
by Steelersfan
Mon Jun 30, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for my sister
Replies: 21
Views: 1903

Re: Help for my sister

Possibly inadequate life insurance on the BF or the relationship falls apart, leaving her in financial straits at an age where jobs are hard to find. She would have more protection if they were married or some sort of legal contract existed. Update: Except I am not sure how that would affect her So...
by Steelersfan
Sun Jun 29, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for my sister
Replies: 21
Views: 1903

Re: Too little for stretch IRA?

If you stretch it in an IRA you set up you have to take it per your life expectancy, or faster. Faster is the critical item. You could "stretch" it over just two or three years. It will be taxed as ordinary income in whatever year(s) you take the distribution(s). Whether that's worth it is...
by Steelersfan
Sat Jun 28, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Too little for stretch IRA?
Replies: 4
Views: 516

Re: How many Bogleheads golf?

I've played a few dozen rounds in my life. Takes too long. Too slow.

I'd probably prefer it to cricket though.
by Steelersfan
Sat Jun 28, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4295

Re: Do I need an Advisor?

My mother’s Ameriprise Financial advisor (CFO, CHFC, CLU & Fiduciary) has offered to move our 2 million assets to his firm and manage our investments for .85%. Her income portfolio earned 13% for 2013. But what funds will that adviser put you in? Those add in too. Ameriprise likes to use Americ...
by Steelersfan
Thu Jun 26, 2014 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need an Advisor?
Replies: 15
Views: 891

Re: Paperless Statements (bank checking acct)

I'm one who generally favors paper statements, which I have continued to receive for my investments at two mutual funds.

But I let my bank monthly statement go paperless several years ago. It's been fine and I have no desire to go back.
by Steelersfan
Thu Jun 26, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3039

Re: Long-Term Care Insurance? Is it a good idea?

Here's a poll I did late last year. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=125325 While everyone's situation is different, in general LT policies aren't very popular with Bogleheads, especially those under the age of 60. I suspect if I had changed the lowest age cut-off to 50 they w...
by Steelersfan
Wed Jun 25, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Insurance? Is it a good idea?
Replies: 24
Views: 1828

Re: Soccer - injury time?

This is what Suarez will be wearing after the results of his FIFA hearing are made public:

Image
by Steelersfan
Tue Jun 24, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2845

Re: Question about divorce & settlement

This is next to impossible to answer there is the law school textbook answer (these are both premarital assets, presumed non-comingled, hubbie keeps both in almost all 50 states) and then there is the practical answer (divorce gets ugly, people comingle assets, good lawyers make good arguments, sys...
by Steelersfan
Tue Jun 24, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Question about divorce & settlement
Replies: 39
Views: 2096

Re: real estate fraud?

Many counties/states have real estate assessment site that also include sales history. They won't show listing prices but could be a more accurate place to get actual sales.
by Steelersfan
Tue Jun 24, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: real estate fraud?
Replies: 33
Views: 2643

Re: Retirement age for software engineers

I retired at 60 (my choice) and was clearly a valued employee at the time. They were laying people off in considerable numbers (with a nice severance) and I was told that wasn't in the card for me. I would have enjoyed the severance as a bridge to retirement. It helped that I had many different jobs...
by Steelersfan
Tue Jun 24, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9396

Re: "Having the wealth transfer conversation"

The (adult) kids know they'll share equally in the estate and that it's probably not small. But they don't know when they'll get it (nor do I, thankfully) or how much it is.

I don't want them to plan on it and let that affect how they lead their lives.
by Steelersfan
Mon Jun 23, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Having the wealth transfer conversation"
Replies: 21
Views: 2979

Re: Soccer - injury time?

So, Why can't they just post the time? Someone knows how much extra time is left? At high level games like the World Cup and at the top leagues (at least) in each country there's a person on the sidelines who holds up a sign with how much time is being added. You can then get it about right. ON TV ...
by Steelersfan
Mon Jun 23, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2845

Re: Do I owe old insurance chance to match new quote?

I don't think you owe it to him, but if he's been your agent for a long time and/or given you good service, I would. Actually if you trust him at all, I'd have him look at the new policies and tell you how they're different (better, worse) than what you have today. You can always decide you don't ag...
by Steelersfan
Mon Jun 23, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Do I owe old insurance chance to match new quote?
Replies: 14
Views: 953

Re: Soccer - injury time?

All I know is, one of the biggest thrill in sports (for me) is the last second play... Ball thrown up towards the hoop at the buzzer, one last heave towards the end-zone as the clock drops to zero... Offense or Defense... it's thrilling to know this is the last play... Stop them, Stop them, Stop th...
by Steelersfan
Mon Jun 23, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2845

Re: Soccer - injury time?

For example, the B, C and D leagues. I haven't been to Algeria, but I bet if there's a B league about the best you can hope for is to get three impartial officials into town, and back out safely if there was a controversial call. Everything else is hostile. Even a fourth man to manage the clock wou...
by Steelersfan
Mon Jun 23, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2845

Re: Soccer - injury time?

Soccer (football) rules are set by The International Football Association Board (IFAB). It's membership are the four countries of the U.K. (where the game originated), plus FIFA (who run the World Cup). The U.K. countries get one vote each and FIFA gets four. It takes six votes to change a rule, suc...
by Steelersfan
Mon Jun 23, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2845

Re: A day in Dachau?

I remember part of the audio tour commented on this. It wasn't until sometime in the 1960's (I want to say '67, but I could be wrong) that strong international pressure led to the creation of the current memorial. Prior to that, I think the locals (and Germany as a whole) were content with trying t...
by Steelersfan
Mon Jun 23, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: A day in Dachau?
Replies: 38
Views: 2743

Re: A day in Dachau?

I'm going to visit Dachau in September. Do remember how you did the public transportation to visit both the concentration camp and the museum to and from the S-Bahn station? Yes, From the main station in Munich you buy a 2-zone ticket to Oberschleissheim, which is north of the city and near the air...
by Steelersfan
Mon Jun 23, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: A day in Dachau?
Replies: 38
Views: 2743

Re: Soccer - injury time?

The reason they don't keep a clock on is that soccer (football) is an international sport played at all levels, and an extraordinarily few have the means to keep an accurate clock. Many, probably most, of the world's soccer community would view a quest for a precise clock as an American peculiarity...
by Steelersfan
Mon Jun 23, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2845

Re: A day in Dachau?

Yes, I have read that Dachau was established early (1933) compared to the other camps, for political prisoners (Communists), then for homosexuals, then for Jews, ... All I can say, it is something I feel a need to do. By the way, I have been to the air branch of the Deutsche Museum at Schleissheim ...
by Steelersfan
Sun Jun 22, 2014 10:09 pm
 
Forum: Personal Consumer Issues
Topic: A day in Dachau?
Replies: 38
Views: 2743

Re: Soccer - injury time?

It's not actually "Injury time" but "extra time", to add time that the referee allows for a number of situations, e.g. celebrations after goals, substitutions, times when players go slowly rather with normal speed to retrieve balls, take kicks. And actual injuries, real or imagin...
by Steelersfan
Sun Jun 22, 2014 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2845

Re: It is time to retire when you .......

Woodshark wrote:
"When you have enough and you've had enough"


+1

That's a much more concise way of saying what I posted above.
by Steelersfan
Fri Jun 20, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9610

Re: Any other retirees moving money out of Vanguard?

I'm retired with a 60% equity/40% bond portfolio. 55% of my bonds are in Total Bond, the rest in Intermediate Tax Exempt and Inflation Protected Securities. I just moved a chunk into Total Bond to reduce my equity exposure down a few points in line with my desired equity/bond target. Given the pros ...
by Steelersfan
Fri Jun 20, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any other retirees moving money out of Vanguard?
Replies: 54
Views: 6145

Re: It is time to retire when you .......

When:

1. I was enjoying my days at work less than my days not working.

2. When I had enough to retire.


That happened several years before I thought it would, mostly because of a deterioration in my work environment.
by Steelersfan
Fri Jun 20, 2014 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9610
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