Search found 3175 matches

by Steelersfan
Sat Feb 25, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 2740

Re: Delivering a Large Check

I sent a check via standard USPS mail from my 401K provider to open a Vanguard IRA. It came to me from the 401K provider via standard USPS mail. It was 6 figures. It was made out to Vanguard. It went fine. I'd do the same thing again and buy a nice meal with what I saved. Maybe two meals since I'm &...
by Steelersfan
Tue Feb 07, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Glasses, ball sports, and aging eyes
Replies: 26
Views: 2060

Re: Glasses, ball sports, and aging eyes

I've worn progressive bifocals for a couple of decades. It took me a week or so to adjust the first time, and a few days every time I get a new prescription. I must be a lucky one because I have no issues with my progressive lens. I played table tennis at a pretty high level (smaller, faster ball, a...
by Steelersfan
Tue Feb 07, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Insights for Long Distance Grandparents
Replies: 23
Views: 1271

Re: Insights for Long Distance Grandparents

Get get the grand kids (there are four of them in two families) together in the summer for a week at some place between where we all live. We cover the cost. We do a beach, but your family interests could be different.
by Steelersfan
Mon Feb 06, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Entity: How to Avoid 3% Credit Card Fees
Replies: 5
Views: 649

Re: Small Business Entity: How to Avoid 3% Credit Card Fees

Could you set it up so you accept online ACH only? Should be no fees for that and you get rid of checks. Other option is can you charge a "convenience fee" for people who want to pay with a CC? But then they would have to accept checks to those who don't want to pay the convenience fee, w...
by Steelersfan
Mon Feb 06, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws Estate Planning - Wisdom Wanted
Replies: 50
Views: 2177

Re: In-Laws Estate Planning - Wisdom Wanted

PVW wrote:
What is your specific complaint about the agreement? You are guaranteed fair market value. Why do you care that your in-laws have the first chance at buying your property? Without the agreement, if they tried to buy your property on the open market, would you refuse the offer?


I agree with this.
by Steelersfan
Sun Feb 05, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is whole life necessary with no debt?
Replies: 22
Views: 1520

Re: Is whole life necessary with no debt?

There is no such thing as a safe 7% return. If a salesman is telling you that, then he is fibbing, lying, prevaricating, exaggerating, obfuscating, or just doesn't know what he is talking about. One of the best ever collection of works in a single sentence. And totally accurate. Skip whole life, an...
by Steelersfan
Sat Feb 04, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: All in VANGUARD is that ok??
Replies: 51
Views: 5352

Re: All in VANGUARD is that ok??

I agree with what you wrote, although I don't understand why it was done that way. Relevant to this discussion and how important custodian banks are since they are really the ones that hold your securities, not Vanguard. I found this: "Custodians. State Street Bank and Trust Company, One Lincol...
by Steelersfan
Sat Feb 04, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: All in VANGUARD is that ok??
Replies: 51
Views: 5352

Re: All in VANGUARD is that ok??

From an organization and governance standpoint, it's "the Vanguard Group " and each mutual fund is legally a separate business (or is it just the families of funds with names like "Vanguard Charlotte Funds" and "Vanguard Star Funds?" Not sure, but, anyway, there's more...
by Steelersfan
Thu Feb 02, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: End of day Vanguard Fund NAV changes
Replies: 4
Views: 456

Re: End of day Vanguard Fund NAV changes

They're updated at 6:00 PM, or a few minutes after that if processing prices from their pricing vendors come in late or there's a snag in getting them processed.
by Steelersfan
Mon Jan 30, 2017 5:29 am
Forum: Personal Consumer Issues
Topic: Anyone experiencing issue with the downloaded version of Taxact?
Replies: 2
Views: 370

Re: Anyone experiencing issue with the downloaded version of Taxact?

Eurookat wrote:Getting the following error when I attempt to use the "Q&A" functionality. The form works fine but I'd rather go through the questionnaire.

http://imgur.com/a/rU6Hr


Nope - I've been using my downloaded copy the past few days in Q&A mode.
by Steelersfan
Sat Jan 28, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Calculating Net Worth
Replies: 20
Views: 2966

Re: Calculating Net Worth

While it may be a symptom of a meddling board, it could just as easily be a symptom of a condo with a history of a lot of units that aren't paying their assessments. In the end that ends up with a financial burden on the units who are paying. I'd be very wary of such a condo and do tons of research ...
by Steelersfan
Sat Jan 28, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Calculating Net Worth
Replies: 20
Views: 2966

Re: Calculating Net Worth

I live in a condo and am on the board. We don't require any such thing and I would not give them anything in detail; maybe something like "Net worth in excess of $xxx,xxx. And be conservative. If they push you on it, have them show you where in their constitution or bi-laws such a requirement e...
by Steelersfan
Fri Jan 27, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Info about State Street S&P 500® Index Securities Lending Series Fund - Class IX ?
Replies: 8
Views: 683

Re: Info about State Street S&P 500® Index Securities Lending Series Fund - Class IX ?

Thanks for the info. This was helpful. Now, I know they are not a publicly traded security. How do I check the gain/loss of the money invested in this fund ? ADP just shows me the final amount. P.S. My 401k plan provides all the options with high expense ratios. You have to rely on whatever informa...
by Steelersfan
Fri Jan 27, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 63
Views: 3866

Re: Verizon to Cricket or StraightTalk

How do you know if your Verizon phone is locked or unlocked, and if it's locked, how do you get it unlocked?
by Steelersfan
Fri Jan 27, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: All in VANGUARD is that ok??
Replies: 51
Views: 5352

Re: All in VANGUARD is that ok??

Except for one CD at a local bank and a few I-Bonds at Treasury Direct everything is at Vanguard. That's 95% of my portfolio. I moved the last non-Vanguard fund to Vanguard two years ago.
by Steelersfan
Wed Jan 25, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: best way to buy TaxAct
Replies: 35
Views: 3965

Re: best way to buy TaxAct

As you look at these "deals", make sure you know whether you're getting a software download to your PC and keeping your tax data private on your PC, or using that service's online version where they retain all your tax data. The later are cheaper. Some of us care a lot, many of us don't ca...
by Steelersfan
Wed Jan 25, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: ACH problem with Vanguard
Replies: 15
Views: 1949

Re: ACH problem with Vanguard

I'd like to thank everyone for their responses. Fortunately this story ended well. Vanguard provided me with a second transaction number, and Alliant was able to find the money and credit my account correctly. I have no insight into why this happened, but making sure you quickly get the (correct) t...
by Steelersfan
Wed Jan 25, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: best way to buy TaxAct
Replies: 35
Views: 3965

Re: best way to buy TaxAct

Here's a deal: https://www.taxact.com/applications/file-with-us/?sc=1609762151002&utm_source=CJ&utm_medium=affilliate&product=all&pub=anyperk&promo=SD50&mpch=ads Premium Federal and State E-filed: $27.50 Make sure you scroll down and click on the one you want to get the deal...
by Steelersfan
Tue Jan 24, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Amazon Phishing Email after Order
Replies: 16
Views: 1919

Re: Amazon Phishing Email after Order

verbose wrote:
One recent phishing email gave me a chuckle. The email said there was a problem and so Amazon had "cancelled all the recently ordered stuffs." :P


Cleverly targeted phish. They're going after the people who order "stuffs" from Amazon. :oops:
by Steelersfan
Tue Jan 24, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Amazon Phishing Email after Order
Replies: 16
Views: 1919

Re: Amazon Phishing Email after Order

I order things from Amazon a few times a year and have never gotten one of those, either that got through or caught by gmail's spam filter. I ordered something early this month - same thing. Could your email account have been compromised? Not to change the topic, but I would have thought you'd have...
by Steelersfan
Mon Jan 23, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Amazon Phishing Email after Order
Replies: 16
Views: 1919

Re: Amazon Phishing Email after Order

I order things from Amazon a few times a year and have never gotten one of those, either that got through or caught by gmail's spam filter. I ordered something early this month - same thing.

Could your email account have been compromised?
by Steelersfan
Mon Jan 23, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Is Little League Slowly Dying? [Should my kids play this year?]
Replies: 38
Views: 3918

Re: Is Little League Slowly Dying?

I see two trends in my area: 1. Kids (perhaps with parent's push) focusing more on a single sport and leagues being created to support them in seasons traditionally reserved for other sports, e.g. fall baseball, summer basketball and soccer 2. More sports, e.g. lacrosse, which reduces the number of ...
by Steelersfan
Sun Jan 22, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Shopping for prescriptions
Replies: 11
Views: 915

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: 11068

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: 1900

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: 11068

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: 11068

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: 11068

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: 1101

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: 1101

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: 558

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: 1330

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: 558

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: 558

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: 1101

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: 1101

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: 1330

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: 11068

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: 830

[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: 1061

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: 6759

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: 6509

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: 1061

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: 1999

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: 1999

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: 4032

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: 1443

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: 3823

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.

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