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Re: Will Bill Gross beat the Total Bond Market Index?

I have no problem with active funds - as long as their expenses are comparable to index funds. PIMCO Total Return has an ER of .46% Vanguard Total Bond Investor Shares has an ER of .20% Vanguard Total Bond Admiral Shares (minimum investment of $10,000) has an ER of .08%. That's not very comparable ...
by Steelersfan
Wed Sep 17, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 38
Views: 3730

Re: Will Bill Gross beat the Total Bond Market Index?

Article on Bill Gross's latest bet: Bill Gross is relying on derivatives rather than Janet Yellen to raise his returns on government bonds. The co-founder of Pacific Investment Management Co. sold most of the $48 billion of U.S. Treasuries held by his $221.6 billion Pimco Total Return Fund (PTTRX) i...
by Steelersfan
Wed Sep 17, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 38
Views: 3730

Re: Do you plan trips on your own or use a TA?

I used a travel agent once about 1990 to book a cruise because at that time they did get special deals. I'm sure that time has passed. Other than that I've booked dozens of trips all over the U.S. and Europe entirely on my own. Besides Tripadviser (probably the single best site), check the following...
by Steelersfan
Wed Sep 17, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1478

Re: Vanguard's Website - Bad, or just me?

As a long term buy and hold investor of Vanguard mutual funds, it serves my needs just fine.

I suspect that's their target market.

Catering to every type of investor adds costs, to the detriment of their target market.
by Steelersfan
Tue Sep 16, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2282

Re: Strange Billing Practice by Medical Provider

I'm an anesthesiologist in a solo practice. As mentioned above, I wonder if the provider is having difficulty ultimately collecting from pts who are in network when he bills them later. That may be the situation, although we're missing key facts from the OP. I went in for a minor surgical procedure...
by Steelersfan
Tue Sep 16, 2014 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2622

Re: Any FRANCHISE owners here?

I go to a Dunkin' Donuts place near me several times a week so I get to hear some of the conversations between the employees and owner/manager. Tremendous turnover in employees. Most seem to last only a few weeks and the hours have to be an impediment. I expect that varies by location. For the last ...
by Steelersfan
Mon Sep 15, 2014 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3226

Re: Hearing aids - for those that use them

Thank all of you for responding, and especially for the VA tips - and it looks like Costco is a good backup. Yes, I will see an Audiologist. For fun I did take a couple of on line hearing tests. This one http://myhearingtest.net/ seems decent for a rough view. With reference to my hearing at 250 Hz...
by Steelersfan
Mon Sep 15, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1678

Re: Retiree Poll: Do you own your primary residence?

Condo unit with a paid off mortgage.

No mortgage payment.

The sidewalks and driveway get the snow shoveled. The grass gets cut and the shrubs trimmed. But not by me.

Life's good!
by Steelersfan
Sat Sep 13, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1576

Re: Gifting planning for upper 60s widowed.

Gill wrote:I wouldn't feel she's in a position to make other than fairly small gifts to the two children, maybe in the five to ten thousand range. She has a long time to live and too many possible expenses.
Gill


I agree.

As time (and life) goes on, she may be able to increase the amount.
by Steelersfan
Fri Sep 12, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 19
Views: 1302

Re: FIOS

I switched from Comcast to FIOS a couple of years ago and there hasn't been any noticeable difference in speed or reliability. I was happy with Comcast and am happy with FIOS. At the time I switched FIOS was considerably cheaper. Now Comcast is offering deals and it would be cheaper if I switched ba...
by Steelersfan
Fri Sep 12, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 27
Views: 1874

Re: Another Smartphone/Verizon Question

denovo wrote:
That's interesting, and they will be using verizon's network, if I read the news correctly.


They've always used the Verizon network, they just didn't have an agreement with Verizon to access their 4g LTE network.
by Steelersfan
Tue Sep 09, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Another Smartphone/Verizon Question
Replies: 21
Views: 1690

Re: Vanguard Lost $50k

I checked my Vanguard account on line and the second 50k was shown as a pending order (duplicate) for the same mutual fund from 8-29. I called my Flagship representative on 9-3 who promised to investigate. I heard nothing, so on 9-4 I checked the Vanguard site, the pending transaction was gone (but...
by Steelersfan
Sat Sep 06, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10713

Re: Vanguard Lost $50k

Unless you're lucky, you'll encounter a mistake or two over your investing career. Suppose you invest with one of the top investment firms, e.g. Vanguard or Fidelity. If you bag your first choice investment firm on the first mistake and go to your second choice, then bag your second choice if a seco...
by Steelersfan
Sat Sep 06, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10713

Re: Vanguard Lost $50k

I had a duplicate transfer of an amount somewhat larger. It turns out it was my fault in my interaction with the bank's cash transfer system (ACH). I'm not saying yours was. But between the bank and Vanguard it got corrected, but it took about 10 days because they had to let the ACH entries clear ou...
by Steelersfan
Sat Sep 06, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10713

Re: Do I Even Need a Trust?

In my state, as in most but not all states, probate is neither expensive nor time consuming. The very experienced estates lawyer who drew up my will (and associated documents) did not recommend setting up a trust. But I have a friend who is also a well respected estates lawyer who does. To me it's a...
by Steelersfan
Thu Sep 04, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 1951

Re: chip credit cards

If the maliciousness software is inserted into the POS terminal (as at Target) then it can read the pin as you're entering it. It gets the account number as it gets sent to the central system for processing by the credit card issuer for validation and processing. Chip and pin is an improvement but ...
by Steelersfan
Thu Sep 04, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: chip credit cards
Replies: 25
Views: 1541

Re: Do I Even Need a Trust?

In the event that either one or both of your sons is married and later divorces, an appropriately structured trust may have some advantage for preserving his share. Many Nolo sources will also make this point. An attorney will also be able to inform you of this. You can also do that as a provision ...
by Steelersfan
Thu Sep 04, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 1951

Re: Missing Cost Basis Information for Joint Custodial Accou

If you know the original investment, or the series of invest( that went into the fund, AND have tax returns from the years it was held, you can look up what was reported to you as dividends. You already paid taxes on those and they add to your cost basis. Add up the reported dividends and add those...
by Steelersfan
Thu Sep 04, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Missing Cost Basis Information for Joint Custodial Account
Replies: 18
Views: 876

Re: chip credit cards

If the maliciousness software is inserted into the POS terminal (as at Target) then it can read the pin as you're entering it. It gets the account number as it gets sent to the central system for processing by the credit card issuer for validation and processing. Chip and pin is an improvement but d...
by Steelersfan
Thu Sep 04, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: chip credit cards
Replies: 25
Views: 1541

Re: Missing Cost Basis Information for Joint Custodial Accou

If you know the original investment, or the series of invest( that went into the fund, AND have tax returns from the years it was held, you can look up what was reported to you as dividends. You already paid taxes on those and they add to your cost basis. Add up the reported dividends and add those ...
by Steelersfan
Thu Sep 04, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Missing Cost Basis Information for Joint Custodial Account
Replies: 18
Views: 876

Re: Take slightly better job if you had to wait 1 year for 4

Take (or keep) the job that gives you the most satisfaction and has the best future for growth.

The 401k is just noise.
by Steelersfan
Tue Sep 02, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take slightly better job if you had to wait 1 year for 401k?
Replies: 19
Views: 910

Re: Will Bill Gross beat the Total Bond Market Index?

Bill Gross is 70 years old and Forbes estimates his wealth at $2.4 billion.

What odds are you giving that he'll still be managing the Pimco Bond Fund in 5 - 10 years?
by Steelersfan
Mon Sep 01, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 38
Views: 3730

Re: Geneological research for unclaimed property

As you go further back into records you run into lots of old medical terms for cause or contributory to death that aren't used or understood today.

Here's a good list:

http://www.rootsweb.ancestry.com/~usgwkidz/oldmedterm.htm
by Steelersfan
Mon Sep 01, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 87
Views: 4621

Re: Geneological research for unclaimed property

The quality of death certificate information depends largely on who the "Informant" was. That should be somewhere at the bottom of the page. If the informant was someone at an institution, information is often missing and incorrect. The closer the informant was to the deceased, both in fam...
by Steelersfan
Mon Sep 01, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 87
Views: 4621

Re: NYC

Spring and fall usually have the best weather. Less change of NYC heat or snow.
by Steelersfan
Sat Aug 30, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 2056

Re: The Power of Zero: Controversial New Book About Taxes

You mean...you mean......

David is exploiting people's fears of an uncertain future to make a bundle of money for himself today?

No way!!!!!!! :annoyed

I wonder if he's bought his yacht yet?
by Steelersfan
Fri Aug 29, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 52
Views: 5229

Re: Non-qualified pension plan taxation

And may or may not be subject to state and/or local taxes, depending on where you live.
by Steelersfan
Fri Aug 29, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Non-qualified pension plan taxation
Replies: 4
Views: 268

Re: The Power of Zero: Controversial New Book About Taxes

Books and TV shows that predict the apocalypse is coming are a good way to make money from a certain audience for creator of the material.

For the rest of us - stay the course.
by Steelersfan
Fri Aug 29, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 52
Views: 5229

Re: Father died. How to handle his company stock?

The stock I got from my company via several mechanisms was always in my name only.

Check to be sure, but if it's in his name only, sell it right away and there will only be capital gains on the difference between the value on his date of death and the value on the sales date.
by Steelersfan
Fri Aug 29, 2014 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Father died. How to handle his company stock?
Replies: 27
Views: 2137

Re: Goldman-Sachs: bonds to 4%, 6% stock returns

357 prognosticators (Bogleheads and a handful of major investment firms) beat GS in predicating the close for the S&P 500 that year (129 in 2013). I'm pretty sure there will be Bogleheads who beat them again in 2014. The problem is we don't know in advance who they will be. The answer is buried...
by Steelersfan
Thu Aug 28, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Goldman-Sachs: bonds to 4%, 6% stock returns
Replies: 20
Views: 2816

Re: Do Bogleheads worry about institutional risk?

If a person is sufficiently worried about Vanguard's (or any other large financial entity's) institutional risk, then they ought to spread their assets over how ever many institutions make them feel safe. It doesn't matter whether that worry is rational or not. Opinions have and always will vary. It...
by Steelersfan
Thu Aug 28, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 33
Views: 1708

Re: Protecting one's bank account from PayPal

placeholder wrote:This is why I like my legacy PayPal linked to credit card only.


+1

I used to link it to my checking account but turned that off a few years ago.
by Steelersfan
Thu Aug 28, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 28
Views: 2503

Re: Do Bogleheads worry about institutional risk?

Presumably all electronic records held by Vanguard are on some cloud system exactly like Fidelity, Schwab, etc?? It seems like you'd always have an accessible record somewhere of what you owned up until something really bad happened (internet goes down forever?)) Almost certainly Vanguard, nor any ...
by Steelersfan
Thu Aug 28, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 33
Views: 1708

Re: Another Smartphone/Verizon Question

Your employee discount may (or may not) go away. Mine did. I retired seven years ago and my ex-employer didn't think about us a year ago and "forgot" to include us in their discount. i don't know if you need a smart phone, but Verizon has a $60.00 a month plan that's pretty attractive if y...
by Steelersfan
Wed Aug 27, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Another Smartphone/Verizon Question
Replies: 21
Views: 1690

Re: What are you up YTD?

For the people that have more conservative AA 75/25, 60/40, 50/50 (stock/bonds) how much are you guys titled to have higher YTD? I am at 80/20 using mainly vanguard or fidelity equivalent 3 funds portfolio (I just started recently tilting) and I have a YTD shy of 7% I am perplexed how a more conser...
by Steelersfan
Tue Aug 26, 2014 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 101
Views: 7807

Re: What are you up YTD?

60%/40% - up just under 7%.

I rebalanced a bit a few months ago to get back below 60% equities.
by Steelersfan
Tue Aug 26, 2014 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 101
Views: 7807

Re: Transfer on Death (TOD) for Vanguard taxable accounts

Page 2 of their Transfer on Death Kit says they do, but only for individual accounts.

http://www.vanguard.com/pdf/bdbp.pdf?2210039149
by Steelersfan
Sun Aug 24, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death (TOD) for Vanguard taxable accounts
Replies: 20
Views: 1837

Re: Children Guardian

In a similar situation, we setup a trust and had the designated guardians also have control of the trust. As it as evolved that would have been a good decision, although it never came to pass. If you have doubts about the guardians's ability to handle the financial assets, it's best to have someone ...
by Steelersfan
Sat Aug 23, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children Guardian
Replies: 9
Views: 890

Re: Signing up for medicare Oct 1

Does this mean you can sign up for Medicare 3 months prior to your 65th birthday and coverage begins at that time. Or you can sign up 3 months prior to your 65th birthday but coverage does not begin until your 65th birthday? Thanks It's the later. I signed up two months early just in case there wer...
by Steelersfan
Sat Aug 23, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2754

Re: Fostering Change in HOA

Some decisions can be made by a majority of the board, e.g. change to by-laws. Making a change to cable TV provisions would probably fall into this category. If you can assemble a group like minded folks to attend a board meeting and convince a majority of the board to go your way, that can work. It...
by Steelersfan
Fri Aug 22, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2157

Re: someone who claimed at 62 got an 8% increase this year

I filed for SS at age 62 two years ago and got no such increase.

Please PM me the phone number of your friend's Bil so I can get in on his secret. :moneybag

:D :D
by Steelersfan
Fri Aug 22, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 26
Views: 3113

Re: Rain Jacket Recommendations

I'm pretty sure that rain jackets are one of those "pick two of three qualities" items, with the qualities being affordable, waterproof, and breathable. I went hiking with a friend who leads hiking groups for the Sierra Club in the hills and mountains outside Portland, Oregon. He said if ...
by Steelersfan
Fri Aug 22, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Rain Jacket Recommendations
Replies: 29
Views: 1781

Re: Do you take all of your allowed paid vacation time?

Although I'm retired now I answered what I did in the years before I retired so you have more data points.
by Steelersfan
Fri Aug 22, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5704

Re: Fostering Change in HOA

Only about 5% of the membership shows up at Board meetings. That should tell you that a high percentage of the owners are satisfied with the current situation. In our condo association the level is about twice that, but as a board member low attendance tells us that people are OK with our current p...
by Steelersfan
Thu Aug 21, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2157

Re: Fostering Change in HOA

Every time I read about hoa, I'm happy I'm not chained down by one I agree, they aren't for everyone. You need to go into one with your eyes open and understand what you're getting into. Too many people don't. But I don't have to shovel snow, take out garbage, take care of the yard. If the roof lea...
by Steelersfan
Thu Aug 21, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2157

Re: Best one-stop company for renters/car/term life insuranc

Interesting thing about the jdpower link: If you look at auto insurance and click on the view ratings link only one (1) insurer has the best rating in all categories and all geographic locations. That insurer was already mentioned in this thread. However, that insurer was not mentioned on the lead-...
by Steelersfan
Thu Aug 21, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best one-stop company for renters/car/term life insurance?
Replies: 15
Views: 967

Re: Best one-stop company for renters/car/term life insuranc

Here are ratings done by tens of thousands of current holders of many types of insurance. Find the type you're looking for and be sure and pay attention to where they sell insurance. Many of the best are not nationwide.

http://ratings.jdpower.com/insurance/index.htm
by Steelersfan
Thu Aug 21, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best one-stop company for renters/car/term life insurance?
Replies: 15
Views: 967

Re: Fostering Change in HOA

Make sure your HOA has a reserve study done (required by law) and that they are funding the future liabilities. I think in most states they are not required by law - they certainly aren't in my state. But they are required if you want someone to be able to get an FHA backed mortgage. FHA won't back...
by Steelersfan
Thu Aug 21, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2157

Re: Fostering Change in HOA

We would never allow dishes so I doubt if that's going anywhere. By federal law you can't prohibit dishes as long as they are set up in exclusive use areas like balconies. http://www.fcc.gov/guides/over-air-reception-devices-rule That's good to know. But in our case we don't have balconies and the ...
by Steelersfan
Thu Aug 21, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2157
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