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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: 2
Views: 302

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: 51
Views: 3008

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: 2094

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: 1544

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: 1491

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: 2776

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: 2263

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: 2986

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: 1042

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: 4573

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: 2986

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: 2986

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: 12953

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: 2986

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: 3310

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: 4014

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: 1610

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: 11228

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: 222
Views: 18493

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: 6049

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: 11228

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: 458

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: 458

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: 1122

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: 12953

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: 2564

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: 870

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: 2381

Re: For Women on this forum and those who share their expert

I'm a guy, but I reviewed one article and found it to be both helpful, not too difficult, and accurate. I suspect others are just as good.

Good resource.
by Steelersfan
Wed Nov 05, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: For Women on this forum and those who share their expertise
Replies: 43
Views: 4478

Re: Condominium Board of Trustees

Agree with previous posters.

Make sure they get it, then serve.

The odds of needing it are small but the risk is great.
by Steelersfan
Tue Nov 04, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Condominium Board of Trustees
Replies: 7
Views: 1056

Re: Should one auto-reinvest dividends in taxable?

One consideration is what is the ER of the fund that's paying dividends. If the fund you're getting dividends from is a high ER fund, and you have a big capital gain but don't want to sell it due to the tax hit, turn off dividends, take them in cash and reinvest in a lower ER fund.
by Steelersfan
Tue Nov 04, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should one auto-reinvest dividends in taxable?
Replies: 19
Views: 2040

Re: Deferred Compensation (or not)?

Are you sure it's a Deferred Compensation plan, not covered by Erisa, potentially subject to claims from creditors in a bankruptcy, and usually only made available to the highest paid employees?

Or is it a 401K Erisa covered Defined Contribution plan?
by Steelersfan
Sat Nov 01, 2014 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation (or not)?
Replies: 2
Views: 491

Re: Enrolling in Medicare - Question

One issue with Medicare Advantage in most states is that you can't go back to a Medigap plan except under a few circumstances, usually because that plan is no longer offered in your area. But New York seems to be one of the few states that guarantee you can, at least that's how I read this: What If ...
by Steelersfan
Fri Oct 31, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enrolling in Medicare - Question
Replies: 14
Views: 1278

Re: Enrolling in Medicare - Question

Finn has given you excellent advice. A couple of bits based on recent experience: 1. Your local SHIP program is a good resource if you can get an appointment with them. I was successful a couple of years ago and completely unsuccessful this year. I suspect that's due to a lot of turmoil in my area o...
by Steelersfan
Thu Oct 30, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enrolling in Medicare - Question
Replies: 14
Views: 1278

Re: Enrolling in Medicare - Question

Here's a thread to get started in this very difficult topic: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=149688&p=2238927 Note that there are major differences in the availability, cost and quality of Medigap and Medicare Advantage plans by state and even within some states. Beware o...
by Steelersfan
Thu Oct 30, 2014 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enrolling in Medicare - Question
Replies: 14
Views: 1278

Re: MS Windows 7 Dead [in 2020]?

According to this highly referenced site, Windows 7 has almost 53% market share of devices worldwide. XP is actually still second at almost 28%. Windows 8 is less than 7%. Windows 7 is going to be around for a very long time. Maybe even longer than XP. :) http://www.netmarketshare.com/operating-syst...
by Steelersfan
Wed Oct 29, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 26
Views: 2248

Re: Medicare Part D

dolphinsaremammals wrote:There is no connection that I know of between Plan D and Medicare or Medigap. How it works with MA I have no idea.



Most, maybe all, Medicare Advantage plans include drug coverage, so if you go with a Medicare Advantage plan you don't elect Plan D.
by Steelersfan
Tue Oct 28, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D
Replies: 22
Views: 1216

Re: Should I use 50k Delta miles for a $600 flight?

OP here. I bought the ticket with the 50k miles earlier today. Thanks for the input. With all the airlines changing their miles programs to a price basis instead of distance, I have a feeling it'll take me years to build up miles in the future! I have a Cap One cash back card which seems good, thou...
by Steelersfan
Tue Oct 28, 2014 6:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4639

Re: Airline Ticket Price Differences

Beware that when you get a lower fare, for example a "consolidator" fare you may lose some benefits, such as not getting any frequent flier mileage credit for that fare. +1 I was sitting in an airport recently with a very despondent woman who had missed her flight because she had the wron...
by Steelersfan
Mon Oct 27, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Airline Ticket Price Differences
Replies: 6
Views: 1047

Re: Traditional Medicare vs Medicare Advantage

Here in WNY,we have 3 major nonprofit HMO's and their MA Plans dominate the local market.So it depends on where you live as to the best plan. That's true in Western PA too: http://kaiserfamilyfoundation.files.wordpress.com/2014/04/xxxx-fact-sheet-medicare-advantage-exhibit-2.png
by Steelersfan
Mon Oct 27, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 1986

Re: Traditional Medicare vs Medicare Advantage

You could be right. Don't forget that Medicare recipients will have full access to both networks. Vulnerable populations, which include consumers age 65 or older who are covered by Medicare or Medicare advantage, Medigap, Signature 65, as well as enrollees in Medicaid, CHIP will not be impacted by ...
by Steelersfan
Mon Oct 27, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 1986

Re: Traditional Medicare vs Medicare Advantage

You could be right. Don't forget that Medicare recipients will have full access to both networks. Vulnerable populations, which include consumers age 65 or older who are covered by Medicare or Medicare advantage, Medigap, Signature 65, as well as enrollees in Medicaid, CHIP will not be impacted by t...
by Steelersfan
Mon Oct 27, 2014 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 1986

Re: Traditional Medicare vs Medicare Advantage

I am just now learning about Medicare. So please excuse this if it's been beaten to death before. It appears that at least in my area (Western Pennsylvania Pittsburgh), the Medicare Advantage plans are somewhat cheaper and cover more than Traditional Medicare with a Medigap/Medicare Supplement. I w...
by Steelersfan
Mon Oct 27, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 1986

Re: Should I use 50k Delta miles for a $600 flight?

That's about what I get for my miles. You're unlikely to get much better.

Airline miles aren't the good deal they used to be.

Be sure you can actually get the flights you want if you use miles. I have great difficulty using mine because often I can't.
by Steelersfan
Sat Oct 25, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4639

Re: Help with My Father's Investments

I strongly suspect that the load was not only on the existing $160K, but currently applies to all reinvested dividends, too. The load on the original $160K is gone, and nothing can be done about that. What can be avoided is the load on the reinvested dividends, and the high expenses (ER and 12b-1) ...
by Steelersfan
Sat Oct 25, 2014 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with My Father's Investments
Replies: 8
Views: 1155

Re: Gift ideas for kids?

Big Worm wrote:Anything remotely related to the movie Frozen for the girl.


+1

I'm going to the birthday party for my two year old grand daughter and have been warned I'm going to get a full dose of Frozen, whether I want it or not. :)
by Steelersfan
Thu Oct 23, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Gift ideas for [1yo boy and 4yo girl]?
Replies: 9
Views: 588

Re: [Wants current income and to leave an estate]

"Fee-based CFP" and "Merrill Lynch" together would raise a red flag so high for me I might not be able to see it any more.

Be very cautious.
by Steelersfan
Thu Oct 23, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Wants current income and to leave an estate]
Replies: 9
Views: 723

Re: locating a competent PC repair shop........

denovo wrote:I will say that in general most repairs don't make sense on a cost/benefit analysis.


+1

Although I was able to replace a failed power supply on a PC I had and got an extra three years out of it.

It would not have made sense if I had to pay someone to do it.
by Steelersfan
Wed Oct 22, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 821

Re: Should I sell My American Funds?

Somebody asked about how my funds had performed against the index funds. The honest answer is the majority of the AF funds seemed to outperform S&P 500 over my investment period of 12 years. Of course, that's without accounting for additional fees and the front end load. I imagine these fees pr...
by Steelersfan
Wed Oct 22, 2014 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell My American Funds?
Replies: 10
Views: 1340

Re: opening offshore bank account

If I were putting money in an offshore account (I'm not and not going to) I'd want to know: Do they have the equivalent of our FDIC deposit insurance that's backed by the government of the country? Are they a public company and issue periodic financial statements I can see and that are certified by ...
by Steelersfan
Mon Oct 20, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: opening offshore bank account
Replies: 10
Views: 1028
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