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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: 25
Views: 1188

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: 25
Views: 1188

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: 14
Views: 630

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: 14
Views: 630

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: 25
Views: 1188

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: 25
Views: 1188

Re: Fostering Change in HOA

In our particular situation with 162 homeowners, a "special assessment" requires the written approval of 75% of homeowners before it can be implemented. The need for approval must vary by condo (and maybe state law). The condo I'm in had a very poor board who thought keeping monthly fees ...
by Steelersfan
Thu Aug 21, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 25
Views: 1188

Re: Fostering Change in HOA

Currently your HOA pays: 188 unit owners at a cost of approximately $87,000 per year. $87000 / 188 / 12 months = $38.56/month. Now I don't know if this includes internet, or how many channels you get, but this is a GOOD/GREAT deal per month. I would imagine if you start making waves here you will g...
by Steelersfan
Thu Aug 21, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 25
Views: 1188

Re: What assets are protected from state court proceedings?

Definately consult an attorney, but in attempt to be more helpful than other responses, I can tell you that in IL, where I live, in civil cases (non-IRS): - 401K,Rollover IRA/Roth, and 529 plans are protected 100% - IRA/ROTH are protected up to $1M - Houses are protected only up to $15K (but obvius...
by Steelersfan
Wed Aug 20, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 18
Views: 1217

Re: Unlimited cell plans dropping in price?

For the area I live in, it appears I need to look to the nationwide carriers in order to obtain good service. Not an ad for Page Plus (I don't now nor ever have used them), but they use Verizon's 3g network. If they add 4g service (seems to be inevitable) they will have exactly the same network as ...
by Steelersfan
Wed Aug 20, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3001

Re: Retiree Poll: Do you do any volunteer work?

You don't quantity what "a lot" is. In my case I volunteer about 250 hours a year plus serve as an officer on my condo board, a group that sponsors volunteering by retirees of my company, and my local genealogy society. That's why I answered "a lot". OTOH - my financial contribut...
by Steelersfan
Wed Aug 20, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you do any volunteer work?
Replies: 17
Views: 1103

Re: Why no transaction alerts from Vanguard/others?

I misstated my post above.

I only get emails of confirmations.

Maybe the folks that get email notices of trades are talking about VBS accounts and you're talking about accounts in the mutual fund company?

That's what I have.
by Steelersfan
Tue Aug 19, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1215

Re: What do you use to protect yourself on the web?

I'm satisfied with: Windows Firewall Malwarebytes (malware protection) CCcleaner (PC optimization and cleaning) AdBlock Plus (blocks advertisements) And occasional runs of the Microsoft Malicious Software Removal Tool. Plus intelligent browsing and suspicion of email from any unknown person, or even...
by Steelersfan
Mon Aug 18, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: What do you use to protect yourself on the web?
Replies: 12
Views: 956

Re: Why no transaction alerts from Vanguard/others?

gkaplan wrote:Vanguard emails me each time I make a financial transaction or any other kind of change to my account.


Me too.
by Steelersfan
Mon Aug 18, 2014 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1215

Re: Safety of Finance Apps

I agree there are some on this forum that take security concerns to an extreme, but for the most part we as a group are extraordinarily practical and do no such thing. I think you'll see that as additional posts are made to this thread. p.s. I'm the one who said I would never put all my userids and ...
by Steelersfan
Mon Aug 18, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Finance Apps
Replies: 13
Views: 750

Re: So am I a terrible father? [inheritance question]

If you're a terrible father, so am I.

In a similar situation, I'm doing exactly what you propose to do.
by Steelersfan
Mon Aug 18, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: So am I a terrible father? [inheritance question]
Replies: 31
Views: 4178

Re: Vanguard Index vs American Funds?

I think American funds likes to load up their domestic equity funds with international stocks. I don't think its luck because they always do it. Sometimes it pays off, sometimes not so much. I don't think loading a domestic equity fund with international is 'smart,' and it sure isn't smart when it ...
by Steelersfan
Mon Aug 18, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 33
Views: 3063

Re: Vanguard Index vs American Funds?

Actually you'll notice international did better between 2002-2008, and domestic has done better since. Might be a big reason that the listed funds did better over 10 year than the 500 index, but worse over the last 5 :wink: . Your graph perfectly explains why the American Funds' fund I was in (Fund...
by Steelersfan
Mon Aug 18, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 33
Views: 3063

Re: Hw many credit cards to own?

Three cards: A cash back VISA card that I use for regular purchases that has no foreign transaction fees. A VISA card from a large bank with no annual fee that I never use but keep as an emergency back-up for when I travel. I've never had to use it. A Kohls credit card that gives me substantial disc...
by Steelersfan
Mon Aug 18, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 108
Views: 6781

Re: Is PIMCO Bond fund 50% cash?

It's probably some type of short term MM account, but yes - 50%!
by Steelersfan
Sun Aug 17, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is PIMCO Bond fund 50% cash?
Replies: 26
Views: 2587

Re: Safety of Finance Apps

It doesn't appear this author has much technical expertise, but if you do a find for "security", he does have a brief write-up on the app's security features. http://cashcowcouple.com/service-reviews/personal-capital-review/ I've never used any of the aggregation apps because they have to ...
by Steelersfan
Sun Aug 17, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Finance Apps
Replies: 13
Views: 750

Re: When did you officially "retire"?

Actually it was a month before I turned 60 but I chose 60 - 64 anyway.
by Steelersfan
Sun Aug 17, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you officially "retire"?
Replies: 2
Views: 604

Re: Vanguard Lost My Account

Has anybody called Vanguard and asked them to disclose their protocol for compromised accounts, and/or, if that protocol is consistent with OP's experience ? It's doubtful they would tell you with enough detail to be useful. Doing so and getting it published on this message board would give the cro...
by Steelersfan
Sun Aug 17, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10026

Re: Vanguard Index vs American Funds?

I'm familiar with one of those funds since I held it from the early 2000's until about two years ago, and that's Fundamental investors. First of all it does invest in non-U.S. equities: U.S. Equities 82.7% Non-U.S. Equities 13.2% Cash & Equivalents 4.1% And from the prospectus of that fund: &quo...
by Steelersfan
Sat Aug 16, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 33
Views: 3063

Re: Europe travel: best card for ATM cash

Does anyone know what kind of exchange rate you get in a large retail bank in Germany, changing dollars to Euros? I normally just use my debit card at an ATM, but my bank has a 3% foreign exchange fee. I know that's better than what you get at exchange shops in airports but a retail bank branch migh...
by Steelersfan
Sat Aug 16, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 1911

Re: Help-Do I need a chip/pin card in europe?

Do you think it's worth getting another chipped card (I only have one right now that carries a 3% FTF) for a 3 week trip? Frankly, at home I only carry one credit card and like the simplicity of that. Anybody get a card strictly for international travel then cancel it after trip? Any advice is appe...
by Steelersfan
Sat Aug 16, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 17
Views: 1113

Re: Vanguard Lost My Account

How did they know that the person who accessed your account was not you? Their logs would contain the IP address of the person accessing the account. Those narrow down pretty well where the access is coming from. In my experience with fraud, the IP address will be associated with other (somewhat la...
by Steelersfan
Sat Aug 16, 2014 7:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10026

Re: Vanguard Lost My Account

dolphinsaremammals wrote:
How did they know that the person who accessed your account was not you?


Their logs would contain the IP address of the person accessing the account. Those narrow down pretty well where the access is coming from.
by Steelersfan
Fri Aug 15, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10026

Re: Who sells fresh coffee that is not as strong as Starbuck

Starbucks tastes too strong for me so I almost never drink it.

I like Dunkin' Donuts and McDonalds coffee.
by Steelersfan
Fri Aug 15, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2233

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

For those who have been enjoying learning about passwords, encryption, and decryption, you also might find these articles enlightening/fascinating (at least, I did!): ⋅  What is password hashing? and How Hashes are Cracked ⋅  Anatomy of a hack: How crackers ransack passwords lik...
by Steelersfan
Thu Aug 14, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7347

Re: Where do you store your important documents?

Fireproof (?) box in the spare room big enough to hold about 5 inches of documents.
by Steelersfan
Wed Aug 13, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3202

Re: Verizon Rewards - worth signing up?

I passed.

There are other rewards programs that are better.
by Steelersfan
Tue Aug 12, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Verizon Rewards - worth signing up?
Replies: 11
Views: 1751

Re: Where do you buy clothes?

Kohl's mostly, when they have 15% - 30% credit card deals off even their sale prices, and you get $10.00 cash back to use within a couple of weeks.

I got a $200.00 sports jacket today for $51.00.

I'll use the $10.00 for a pair of shoes, on sale of course.
by Steelersfan
Sun Aug 10, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8806

Re: What are you doing re charitable giving (money, not time

My employer pushed United Way pretty hard. I was OK with that since I think they're just fine, at least in my area. It keeps the contributions local. In the last few years they've added an option that you can tell them which of the United Way agencies you want your donation to go to. I don't think t...
by Steelersfan
Sat Aug 09, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: What are you doing re charitable giving (money, not time)
Replies: 26
Views: 1506

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

BolderBoy wrote:there is plenty for them to do before they get around to you and your obscurely salted and hashed password and meaningless userid (right?)


Right! :wink:

This has been very enlightening.

I just added more characters to my password. :sharebeer
by Steelersfan
Sat Aug 09, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7347

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Let's say your password was: 123456 You can see from the above website your hash will be: 7c4a8d09ca3762af61e59520943dc26494f8941b This hash is what is going to be storied in the password file. Your password of 123456 is not stored anywhere on the website's server . When you log in, they generate t...
by Steelersfan
Sat Aug 09, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7347

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Dumb question (perhaps): Since a website (e.g., Fidelity) will typically flag 3 or more attempts to enter a password (for any given username), how can these programs go through millions and billions of character combinations to find the right one? In other words, what is their test metric? They are...
by Steelersfan
Sat Aug 09, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7347

Re: Finding witnesses for a trust document

I witnessed the signing of a new document (will, I thought, but could've been a trust document) for the CEO of my former employer. I did not read the document or anything, but just the signed on the signature page after the CEO signed. I imagine you could go to the local coffee shop and find someon...
by Steelersfan
Fri Aug 08, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Finding witnesses for a trust document
Replies: 31
Views: 1235

Re: Finding witnesses for a trust document

We had an para-legal from the same firm that did our wills witness the documents. The PL had not worked on the docs but I doubt that made any difference. As far as I know, they are only witnessing your signature, not the content of the doc. That's how my latest will was witnessed. When it came time...
by Steelersfan
Fri Aug 08, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Finding witnesses for a trust document
Replies: 31
Views: 1235

Re: [If over 50] Do you prepare for long term care

I'm not worried about 2 or 3 years of LTC. I'm worried about being like my mother who has been in a nursing home since 2006. She just turned 90 and could live another 10 years. Her mind is long gone, but she has no physical issues. At about $70K/yr, the cost of her care is over $560K. :? 10 years a...
by Steelersfan
Thu Aug 07, 2014 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2073

Re: [If over 50] Do you prepare for long term care

Different poll questions and different age cut-offs, but there was similar poll late last year.

http://www.bogleheads.org/forum/viewtopic.php?f=2&t=125325

Similar results, so far.

A majority of Bogleheads decide not to go for LTC.
by Steelersfan
Wed Aug 06, 2014 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2073

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

As a precaution I changed my password on all the financial sites where I have an account. There are four of them. It took about ten minutes, mostly bouncing through menus to find the page where you do that. What was interesting was when I googled "test security passwords" I got a whole pag...
by Steelersfan
Wed Aug 06, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7347

Re: HDHP vs PPO (least bad choice)

BruDude wrote:I also want to point out that an HDHP can also be a PPO. PPO just refers to the plan network, so an HDHP can be an HMO, PPO, EPO, or POS. Alphabet soup.


+1

I've got a HDHP that has a PPO network.
by Steelersfan
Wed Aug 06, 2014 7:08 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO (least bad choice)
Replies: 13
Views: 809

Re: High School Reunions--Have you attended?

It was interesting to go back after more than 40 years. I went to high school in a really fine small town in the Midwest. Like most small towns, it has gone down hill over the last several decades. There was a noticeable difference in the fates of those who left (they've generally done quite well) a...
by Steelersfan
Sun Aug 03, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5054

Re: High School Reunions--Have you attended?

I'm a long way away from where I went to high school but I went to two early (maybe the 5th and 15th) and didn't enjoy them much.

Then I went back to my 45th and had a lot of fun. I'm going back for our 50th next year.
by Steelersfan
Sun Aug 03, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5054

Re: planning to travel a lot soon...how to build up points?

Learn about how to make the best use of any points that you accumulate. There is a huge range of $$ per 1,000 points (or 10,000 points, etc.). The least effective use in airline travel is, usually, to make advance purchase domestic tickets. The "value" usually goes up from there, with dom...
by Steelersfan
Sat Aug 02, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: planning to travel a lot soon...how to build up points?
Replies: 14
Views: 1195

Re: What is your most memorable 1 week vacation?

Yellowstone and the Grand Tetons.
by Steelersfan
Sat Aug 02, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 85
Views: 6543

Re: My IPS in computer pseudocode

Can you redo that in IBM 360 Assembler? That's the last programming language I knew. :annoyed

Then I could comment. :happy
by Steelersfan
Fri Aug 01, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 18
Views: 1672

Re: How many families use 529 plans?

Two children who have children of their own.

Both of them have 529 plans.

Grandparents help fund the 529 plans.
by Steelersfan
Thu Jul 31, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6512

Re: Geneological research for unclaimed property

Spinster was what they called any single woman of marriageable age or older. If you want to use stevemorse.org in a library or Family History Center with free access, click the link " Ancestrylibrary.com/Ancestryinstitute.com ". and you can use his powerful front-ends to access those norma...
by Steelersfan
Thu Jul 31, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 77
Views: 3846
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