Search found 2447 matches

Return to advanced search

Re: Biggest discretionary expense in retirement?

Travel.

Annual gifts to children.

Redoing rooms in the home one at a time even though they're still functional. Way out of date and showing wear and tear, but functional.
by Steelersfan
Mon Sep 22, 2014 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 20
Views: 1530

Re: Verizon to Page Plus - documenting my experience

Has anyone heard if Page Plus rates will go up when you get access to 4g LTE?
by Steelersfan
Sun Sep 21, 2014 7:17 pm
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 51
Views: 6248

Re: Money Market Funds can Refuse Withdrawals (Or not!)

Here's the actual SEC ruling from July, to be final 60 dates after that. http://www.sec.gov/News/PressRelease/Detail/PressRelease/1370542347679#.VB873vldV8E It also says that the new rules don't go into effect for two years. "The compliance date for the floating NAV amendments and fees and gat...
by Steelersfan
Sun Sep 21, 2014 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Market Funds can Refuse Withdrawals (Or not!)
Replies: 10
Views: 829

Re: Money Market Funds can Refuse Withdrawals (Or not!)

Here's the actual SEC ruling from July, to be final 60 dates after that. http://www.sec.gov/News/PressRelease/Detail/PressRelease/1370542347679#.VB873vldV8E It also says that the new rules don't go into effect for two years. "The compliance date for the floating NAV amendments and fees and gate...
by Steelersfan
Sun Sep 21, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Market Funds can Refuse Withdrawals (Or not!)
Replies: 10
Views: 829

Re: Money Market Funds can Refuse Withdrawals

I only recently learned that new rules governing money market funds allow fund companies to refuse withdrawals during a financial crisis. The idea is that this will help stop money runs like the one from the last crisis. Investors will, of course, be able to get their money out eventually. But if y...
by Steelersfan
Sun Sep 21, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Market Funds can Refuse Withdrawals (Or not!)
Replies: 10
Views: 829

Re: Engineered Hardwood

I've got engineered hardwood in my kitchen and like it a lot. Had it the previous house too. It wears well. But beware larger spills if you don't get them cleaned up right away. I left a kitchen window partially open when I was away for a few hours and a heavy rain came through the window. The total...
by Steelersfan
Sat Sep 20, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood
Replies: 13
Views: 1043

Re: Trust Company Fee's

What about a 'private' trustee like a CPA and just pay a flat dollar amount - regardless of amount, adjusted for CPI over time, and cut out all the expensive bank/corporate nonsense? But then, who oversees the trustee to make sure he's doing it properly and honestly? Your thoughts. What if he decid...
by Steelersfan
Sat Sep 20, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Trust Company Fees
Replies: 20
Views: 1227

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: 3769

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: 3769

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: 1512

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: 2316

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: 2694

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: 3267

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: 1756

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: 1598

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: 1384

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: 28
Views: 2117

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: 1695

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: 10728

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: 10728

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: 10728

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: 1954

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: 1546

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: 1954

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: 877

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: 1546

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: 877

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: 3769

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: 4629

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: 4629

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: 2058

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: 5252

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: 5252

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: 2817

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: 1711

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: 29
Views: 3063

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: 1711

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: 1695

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: 7835

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: 7835

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: 1838

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: 891

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: 2821

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: 41
Views: 2533

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: 3114

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: 1788
Next

Return to advanced search