Search found 3151 matches

by Steelersfan
Sun Jan 22, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Shopping for prescriptions
Replies: 10
Views: 442

Re: Shopping for prescriptions

samsoes wrote:Try http://www.goodrx.com - you'll be amazed!


It's worked for me a couple of times for saving big.

With all things medical, YMMV.
by Steelersfan
Thu Jan 19, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 91
Views: 10471

Re: Best DNA genealogy testing kits

Those examples show, and many other conquests and expulsions and resulting intermarriages over centuries of history, how testing DNA to determine where your family came from is so difficult, and why siblings end up with different apparent origins.
by Steelersfan
Wed Jan 18, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: All eggs in one basket
Replies: 14
Views: 1708

Re: All eggs in one basket

Other than a smallish amount I have at Treasury Direct and a CD at a local bank I have everything at Vanguard.

This gets asked often enough there's an entry in the Wiki about it.

https://www.bogleheads.org/wiki/Vanguard_safety
by Steelersfan
Tue Jan 17, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 91
Views: 10471

Re: Best DNA genealogy testing kits

Steelersfan - I hadn't realized that Ancestry stopped doing the Y-DNA test. That would kind of be a deal breaker for me. Autosomnal DNA testing is the way all the companies are heading. Because it looks at DNA contributions from all your ancestors, not just your direct paternal line(Y-DNA) or direc...
by Steelersfan
Tue Jan 17, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 91
Views: 10471

Re: Best DNA genealogy testing kits

Here are a couple of blog posts comparing the various DNA testing sites. https://www.exploringlifesmysteries.com/23andme-vs-ancestry-vs-ftdna-vs-geno-2-0/ http://www.legalgenealogist.com/2015/02/02/2015-most-bang-for-the-dna-buck/ The later blog is very active, so go to the home page and read throug...
by Steelersfan
Sun Jan 15, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 91
Views: 10471

Re: Best DNA genealogy testing kits

I give talks on genealogy research in my local area and people often ask me about the DNA tests to find out where they came from. Part of my my answer is "If you don't like the results of the test, get tested at one of the other companies that do it and you'll get a different result you might l...
by Steelersfan
Sat Jan 14, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Verifying pension election for deceased pensioneer
Replies: 22
Views: 997

Re: Verifying pension election for deceased pensioneer

And as far as I know, these initial pension setup agreements are irrevocable and basically set in stone. So no matter what happened, I don't think it could have been modified later. I googled "changing spouse pension election" and the election can be changed any time before the pension ac...
by Steelersfan
Sat Jan 14, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Verifying pension election for deceased pensioneer
Replies: 22
Views: 997

Re: Verifying pension election for deceased pensioneer

First of all thank you for the responses. As suggested I looked a the IRS site and then started digging and found out the relevant law went into effect in 1984. Unfortunately I believe he retired in 1983! But I obviously need to follow up on that. And you opened some other avenues for me to explore...
by Steelersfan
Sat Jan 14, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Depreciation math for condo - Does this look reasonable?
Replies: 7
Views: 520

Re: Depreciation math for condo - Does this look reasonable?

A condo also "owns" a portion of other common areas, like stairwells, basements (if there are any), exterior building walls, roofs. I don't know how you account for those separate from land, but you would have to if you want to create separate value for the unit itself and the common areas...
by Steelersfan
Sat Jan 14, 2017 5:02 am
Forum: Personal Finance (Not Investing)
Topic: Check image - illegible
Replies: 12
Views: 1256

Re: Check image - illegible

All they need to process the check are the Transit Routing and account numbers at the bottom of the check, and the amount in the box. I'm guessing those are legible. The routing and account numbers are legible, but the amount in the box is not. You can't even tell how many digits are there. Everyth...
by Steelersfan
Fri Jan 13, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Depreciation math for condo - Does this look reasonable?
Replies: 7
Views: 520

Re: Depreciation math for condo - Does this look reasonable?

That may differ by state. For my state, while individual residences ascribe a value to land and building separately, condominiums do not.
by Steelersfan
Fri Jan 13, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Depreciation math for condo - Does this look reasonable?
Replies: 7
Views: 520

Re: Depreciation math for condo - Does this look reasonable?

It could be different in a foreign country, but isn't the value of the land already included in the value of the condominium unit? I'm almost positive it would be in this country. The unit has a common interest in whatever land is included in the condominium association.
by Steelersfan
Fri Jan 13, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Verifying pension election for deceased pensioneer
Replies: 22
Views: 997

Re: Verifying pension election for deceased pensioneer

17 years since he retired, plus whatever number of years prior to that when he made the election, it's not likely the company still has the original form he and his wife signed. All they probably have is a field on a record in their pension system, which is what they reported to you.
by Steelersfan
Fri Jan 13, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Verifying pension election for deceased pensioneer
Replies: 22
Views: 997

Re: Verifying pension election for deceased pensioneer

Gang, In Brief State = Illinois Question Does a company that has a traditional pension have to file the paperwork where the pensioneer elects how they want to take their pension with the state? I want to verify what their election was. Details My now deceased father-in-law had a traditional pension...
by Steelersfan
Fri Jan 13, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Check image - illegible
Replies: 12
Views: 1256

Re: Check image - illegible

All they need to process the check are the Transit Routing and account numbers at the bottom of the check, and the amount in the box. I'm guessing those are legible. If the check was presented at a bank that's not yours e.g. the bank used by whoever you wrote the check to, that bank kept the check s...
by Steelersfan
Fri Jan 13, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 91
Views: 10471

Re: Best DNA genealogy testing kits

Mine came out reflecting what I knew about my ethnicity, except for tiny amounts of a couple of other areas. My guess is that is reversed - the Vikings invaded/visited for trading and scattered some of their DNA around in those areas, so DNA from those areas shows up in my results. It's very common...
by Steelersfan
Thu Jan 12, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: [Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]
Replies: 16
Views: 726

[Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]

A Collective Investment Trust Fund is not a mutual fund but they operate like one. They don't have ticker symbols so you can't log onto Yahoo or some other site and get the current price on a daily basis. You might have access to that through a portal your employer gives you to whoever manages the f...
by Steelersfan
Wed Jan 11, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Tax Question
Replies: 9
Views: 1040

Re: Inheritance Tax Question

And no step up basis when your grandmother passed.
by Steelersfan
Wed Jan 11, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: How to politely fire my financial advisor
Replies: 66
Views: 6358

Re: How to politely fire my financial advisor

I didn't "fire" my American Funds' adviser, I just left him. I sold my holdings with an online transaction to my linked checking account, and once the funds had arrived there I bought funds at Vanguard, using my linked checking account there. It was a taxable account. If it had been an IRA...
by Steelersfan
Tue Jan 10, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: To those with a pension...
Replies: 52
Views: 5981

Re: To those with a pension...

A. No
B. Yes
by Steelersfan
Tue Jan 10, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Tax Question
Replies: 9
Views: 1040

Re: Inheritance Tax Question

The assets got a step up basis on the day she passed. You're liable for capital gains taxes (offset by any losses) from the day she passed until the assets are sold. That's for federal income taxes. Depending on the state you're in, you may be liable for inheritance tax on the amounts you received. ...
by Steelersfan
Tue Jan 10, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds vs. index funds - comparing returns
Replies: 20
Views: 1876

Re: American Funds vs. index funds - comparing returns

Just as an example, and any particular comparison will depend on which funds you choose, the American Funds Growth Fund of America (their largest fund) has an expense ration of $.66 per year. That includes the $.24 12b-1 fee that goes to the adviser. The Vanguard Total Stock Market Fund (Investor Sh...
by Steelersfan
Sun Jan 08, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds vs. index funds - comparing returns
Replies: 20
Views: 1876

Re: American Funds vs. index funds - comparing returns

The American Funds are good enough as long as you aren't paying the load when you purchase them, which you usually don't if they're offered in a 401-K.

The Vanguard funds most often are little better, which over a few decades make a notable difference.
by Steelersfan
Sun Jan 08, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 3877

Re: Anybody else Age - 10 in bonds, rest in stocks

Age 69, not taking income from investments. AA is 55% - 60% equities and plan to keep it at that.

So right now, age minus 25 - 30 in bonds and on a slow downward trend, hopefully for a very long time.
by Steelersfan
Fri Jan 06, 2017 5:37 pm
Forum: Investing - Theory, News & General
Topic: Discussion about securities lending and how it affects performance
Replies: 21
Views: 1390

Re: Discussion about securities lending and how it affects performance

Vanguard's position is that having a custodian bank lend out the shares increases risk, not decreases it. Fund investors shoulder all of the risk, but the custodian participates in the revenue. Is it your opinion that Vanguard should not participate in any securities lending activities, and deny th...
by Steelersfan
Fri Jan 06, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 3708

Re: Is a prenup always necessary when remarrying?

In many (most?) states, both parties have to have separate legal counsel to ensure that one party doesn't have undue influence on the other.
by Steelersfan
Thu Jan 05, 2017 10:11 pm
Forum: Investing - Theory, News & General
Topic: Discussion about securities lending and how it affects performance
Replies: 21
Views: 1390

Re: Discussion about securities lending and how it affects performance

An entire broker or bank doesn't have to blow up for a fund to have securities lending losses. Individual defaults don't make the news, but they can contribute to losses for the fund. It's important to remember that the losses were taken by the custody bank that held and lent the securities, not th...
by Steelersfan
Wed Jan 04, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Sonicare ToothBrush
Replies: 35
Views: 3352

Re: Sonicare ToothBrush

My Braun is 15 years old, holding a charge as good as ever, and going strong. It takes OralB brushes just fine.
by Steelersfan
Wed Jan 04, 2017 9:28 pm
Forum: Investing - Theory, News & General
Topic: Discussion about securities lending and how it affects performance
Replies: 21
Views: 1390

Re: Discussion about securities lending and how it affects performance

Just one more point. Since it's the custodian bank that's dong the lending and it's the one who is determining the creditworthiness of who they lend to, it's not clear what, if any, risk the mutual fund has. As the previous poster said, it's very low risk, as long as the custodian bank does proper d...
by Steelersfan
Tue Jan 03, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Discussion about securities lending and how it affects performance
Replies: 21
Views: 1390

Re: Discussion about securities lending and how it affects performance

There are two ways a fund company could be contributing to risk by securities lending: 1) the stock is lent for shorting, and if the price rises sharply enough, and exceeds the floated collateral cash, the short seller may not be able to cover the loan; 2) the securities lender may invest the float...
by Steelersfan
Mon Jan 02, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: best way to buy TaxAct
Replies: 13
Views: 1402

Re: best way to buy TaxAct

I'm considering buying just the Federal edition. It's only $15, then skip the state edition which adds $25 to get to the $40 total.

It's not too hard to pick up the federal numbers and plug them into a state printed form, at least for my state.
by Steelersfan
Mon Jan 02, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: best way to buy TaxAct
Replies: 13
Views: 1402

Re: best way to buy TaxAct

I'm in the same situation. In prior years I took advantage of their early offers and got it cheap. Somehow this year I missed that, so I'm trying to decide what to do. $40 is more than I want to pay.

Maybe it's time to switch software.
by Steelersfan
Fri Dec 30, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is it safe to use debit cards? Anybody here have one compromised?
Replies: 67
Views: 4508

Re: Is it safe to use debit cards? Anybody here have one compromised?

I use my debit card almost exclusively at ATM's to withdraw cash, very occasionally to by something. I use my credit card for larger or online purchases, cash for small things. I had one fraudulent transaction on my credit card decades ago and my credit card gets replaced about once a year due to a ...
by Steelersfan
Sat Dec 24, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Las Vegas - should I do anything?
Replies: 34
Views: 2912

Re: Las Vegas - should I do anything?

I found the Mob Museum quite interesting, and it's downtown so you get to check out a different part of Vegas: http://themobmuseum.org/ If you do decide there's a show you want to see, check with the concierge in your hotel. They may well well have tickets available and at a good discount to regular...
by Steelersfan
Fri Dec 16, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: Personal fulfillment in retirement
Replies: 35
Views: 4558

Re: Personal fulfillment in retirement

Here's a similar thread to read while you wait for answers to your question.

https://www.bogleheads.org/forum/viewtopic.php?f=11&t=204300
by Steelersfan
Fri Dec 16, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare IRMAA
Replies: 7
Views: 690

Re: Medicare IRMAA

I have experience with two different cases of single year increased income. I found no way to eliminate IRMAA for either of them and I doubt if there's one for you either. They came for a year, they went away.
by Steelersfan
Mon Dec 12, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401k's with Collective Trusts / Commingled Funds
Replies: 14
Views: 2009

Re: 401k's with Collective Trusts / Commingled Funds

Sorry, but that does not make any sense. I rolled over a 401(k) and it was cashed out. A check appeared in my mailbox which I forwarded to my new place. That is the way custodian-to-custodian rollovers via check happen. The check is not made out to me, but to my new account FBO me. Yes, there is no...
by Steelersfan
Sun Dec 11, 2016 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Ascensus Contact Info
Replies: 8
Views: 775

Re: Vanguard Ascensus Contact Info

Ascensus seems to be a completely separate entity from Vanguard. They have a relationship of some kind that allows Ascensus to offer Vanguard funds to their targeted small business clients.

http://www.planadviser.com/Vanguard-and-Ascensus-Introduce-Small-Plan-401k/
by Steelersfan
Sat Dec 10, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: Moving an 8ft slate pool table
Replies: 12
Views: 779

Re: Moving an 8ft slate pool table

When the kids went away to college we sold ours (for VERY little) and helped the person who bought it move it. There were four of us if I remember correctly. Take it apart and remember how it goes back together. Then it's no harder than moving anything heavy. Lots of muscle and take your time. There...
by Steelersfan
Wed Dec 07, 2016 9:25 pm
Forum: Personal Consumer Issues
Topic: Books (real or digital)
Replies: 40
Views: 1513

Re: Books (real or digital)

I'm a two book a week reader. I only do paper books from the library, but I live two blocks from our very good town library so it's easy for me to find, get and return books I find interesting.

Every other member of my family does more eBooks than paper books.
by Steelersfan
Tue Nov 29, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: Best genealogy organization site/software?
Replies: 8
Views: 961

Re: Best genealogy organization site/software?

By the way, I use family tree software. At one time Family Tree Maker was the number one genealogy software product. If you have it installed it still works fine. I used it for years. But Ancestry lost interest in it, shut it down in 2015 and sold it to a new company. So far the new company hasn't ...
by Steelersfan
Mon Nov 28, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Best genealogy organization site/software?
Replies: 8
Views: 961

Re: Best genealogy organization site/software?

Yes, there have been several threads on this subject and were linked above. I like to use online software for research. It makes things easier having the information out there and also helps find others interesting in same branches of your tree. However, I like to keep my master copy on my hard dri...
by Steelersfan
Mon Nov 28, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Best genealogy organization site/software?
Replies: 8
Views: 961

Re: Best genealogy organization site/software?

Here are a couple of previous threads with good advice and pros and cons of various approaches: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=198914 https://www.bogleheads.org/forum/viewtopic.php?f=11&t=201480 It's not exactly what you're looking for but I doubt if you'll find someth...
by Steelersfan
Wed Nov 23, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 8287

Re: Do you track your net worth? How long have you done so?

I do an annual person asset/liability statement that includes all assets and and my financial liabilities. At the bottom I have the net figure by year, going back 20 years now.
by Steelersfan
Wed Nov 23, 2016 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: How to find out if I'm an HCE
Replies: 6
Views: 810

Re: How to find out if I'm an HCE

I guess you want to know if your 401(k) contributions will be limited and not really whether you are an HCE. I'd call up the HR folks or even the CFO and ask first "Did anybody in the company have their 401(k) contribution limited because of HCE rules?" If the answer is no, then you don't...
by Steelersfan
Sun Nov 13, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: How to give a young traveller in France some "walking-around money?"
Replies: 25
Views: 2376

Re: How to give a young traveller in France some "walking-around money?"

I would assume that she is old enough to have a bank account and ATM card that she will be using to handle her other expenses while in Europe. If so then just give her US dollars for her to deposit in her bank account then she can just get the euros out of an ATM there. If you are just talking $100...
by Steelersfan
Sat Nov 12, 2016 8:46 am
Forum: Personal Finance (Not Investing)
Topic: John Hancock discontinues LTC insurance sales
Replies: 45
Views: 4341

Re: John Hancock discontinues LTC insurance sales

Again, my decision not to buy Long Term Care insurance is vindicated. It tells you something when big players like Met Life and John Hancock exit the business. I'm not sure I understand this sentiment... I'd think the holy grail of insurance purchases would be making an insurance bet against an ins...
by Steelersfan
Sat Nov 12, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Best way to visit NYC from DC
Replies: 33
Views: 2494

Re: Best way to visit NYC from DC

I often got last minute tickets for Broadway plays at a location in Times Square. I don't know if that is still available or convenient anymore. They're still there. For evening performances it opens at 3:00. I got there about 20 minutes before it opened and stood in line. 45 minutes later I had ex...
by Steelersfan
Sat Nov 12, 2016 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Question on deferred comp options at work
Replies: 7
Views: 690

Re: Question on deferred comp options at work

For the plan I was in, if I terminated employment or was terminated before retirement, the entire balance was paid out to me in a lump sum right away. If I was otherwise employed, that would make it taxable at a very high rate, maybe higher than when I was employed and putting money into the plan. T...
by Steelersfan
Wed Nov 09, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: Best way to visit NYC from DC
Replies: 33
Views: 2494

Re: Best way to visit NYC from DC

Central Park - begins at 60th and 5th ave. Metropolitan Museum of Art - 81st and 5th Ave. If you're into Memorials - WTC memorial - between Liberty and Vesey St's off of West St if coming from Staten Island Ferry/Battery Park or from uptown, take E train downtown to last stop - Chambers Street, the...

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