Search found 3069 matches

by Steelersfan
Wed Jul 27, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: All eggs in one online basket - worried?
Replies: 18
Views: 2234

Re: All eggs in one online basket - worried?

I have a checking account and one CD at a local brick and mortar bank. I have some old I-Bonds at Treasury Direct. Everything else is at Vanguard, so 95% of assets are at one institution. I actually had one fund at American Funds that was 10% of my assets. I moved that to Vanguard a couple of years ...
by Steelersfan
Mon Jul 11, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3684

Re: Do you have any retiree healthcare benefit from your employer?

I was an early retiree and had subsidized company health insurance through my former employer until age 65. At that point they decided being on Medicare was where I belonged. :wink:
by Steelersfan
Mon Jul 11, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: 14k gain in 3 days???
Replies: 36
Views: 4527

Re: 14k gain in 3 days???

JMacDonald wrote:I wonder how much Vanguard has under management?


As of December 31, 2015 they reported "more than $3 trillion world-wide"

With inflows and an up market I suspect it's a few hundred billions more today.
by Steelersfan
Sun Jul 03, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Why "business days" for ACH transfer
Replies: 16
Views: 1555

Re: Why "business days" for ACH transfer

No. But out of the huge numbers of ach payments some fail and need ACH operations in the bank to fix them. ...and those overnight batch cycles don't run on week-ends or holidays at most banks, thus they don't count non-business days. Is there human intervention involved in doing the batch cycle tha...
by Steelersfan
Sun Jul 03, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why "business days" for ACH transfer
Replies: 16
Views: 1555

Re: Why "business days" for ACH transfer

ACH is a batch process, where transactions are collected during the "banking" or business day and then reconciled / cleared through the member institions after hours. It is an older system that has been around for awhile. It works that way because that was the technology of the day at the...
by Steelersfan
Sat Jun 25, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer From Edward Jones to Vanguard: Taxable
Replies: 12
Views: 1265

Re: Transfer From Edward Jones to Vanguard: Taxable

Is it best to stop the reinvesting dividends and just let the funds ride? (Because I understand the 5.75% front load will take a hair cut off each reinvestment?) While it's a good idea to stop reinvestment of dividends as a step to moving the entire account to a cheaper provider, they do not take a...
by Steelersfan
Fri Jun 24, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: What price is reasonable in U.S. for two crowns?
Replies: 22
Views: 2175

Re: What price is reasonable in U.S. for two crowns?

I've paid $1,000 a crown at two different dentists. I'm not in a HCOL area but it's not the boonies either. The first dentist was about 3 years ago and the newer one each of the last two years.

Mine weren't front teeth and I don't know if that matters or not.
by Steelersfan
Tue Jun 21, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 5307

Re: Where (safely and legally) to keep "cash"?

My parents kept several tens of thousands of dollars rolled up in Prince Albert tobacco tins in the crawl space under the house. They were products of the depression. When they moved to an apartment we had to crawl in and get them out. A dirty job for sure, but well worth it.
by Steelersfan
Sun Jun 19, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fair to the kids, help educate the grandkids?
Replies: 26
Views: 2747

Re: Fair to the kids, help educate the grandkids?

Three adult children, two with children of their own, one not married. I give equally to each of them each year. I encourage the children with children of their own to invest the annual gift I give them to put it toward a 529 plan for the the grandchildren. I think they do but don't know for sure if...
by Steelersfan
Thu Jun 16, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Dr. Charges Facilities fee of $300 - what should I do?
Replies: 142
Views: 8309

Re: Dr. Charges Facilities fee of $300 - what should I do?

Mega-hospital group buys out an independent physician or physician group. In order to incent them to sell they give them more money than the physicians would make if they didn't sell. That cost has to be recovered by mega-hospital group by an additional charge to the patients. Then, since mega-hospi...
by Steelersfan
Fri Jun 10, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: alternatives to AOL
Replies: 34
Views: 1923

Re: alternatives to AOL

I'll admit - I had to double check the date on that post. I honestly didn't think AOL existed any more. Go to gmail, especially if you have an android-based phone. Everything will be connected then and your life will be much easier!! I prefer Gmail but I have a Yahoo account I inherited for an orga...
by Steelersfan
Thu Jun 09, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to keep OLD Mutual Fund Co's Login / Password for Records?
Replies: 8
Views: 623

Re: Do I need to keep OLD Mutual Fund Co's Login / Password for Records?

Do I need to keep OLD Mutual Fund Co's Login / Password for Records? I started IRA's in 1994 until 2012-ish when I rolled everything to VG. Back then I had 3 MF Companies and even today I have their Logins and Passwords saved. All 3 MF Companies have ZERO BALANCE, however, I have (not yet made any ...
by Steelersfan
Sun Jun 05, 2016 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: How do you change your AA over time?
Replies: 39
Views: 3151

Re: How do you change your AA over time?

I was 60%/40% when I retired at age 60. Fast forward 8 years and I let it drift down to 55%/45%. I'll probably stick with that, unless I decide to drift down a little more in the future. Or if stocks rise and bonds fall as expected, I may even drift back up to 60%/40%. I'll never get close to "...
by Steelersfan
Fri Jun 03, 2016 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds in taxable - cap gains and tax-efficiency?
Replies: 17
Views: 1073

Re: American Funds in taxable - cap gains and tax-efficiency?

Perhaps if you show your mother this graph it will illustrate how her higher mutual fund fees will reduce her returns over time - That's a good graph. If it were only the fees I would not have sold out my position because, with the level of capital gains I had in the account, the payback period wou...
by Steelersfan
Fri Jun 03, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds in taxable - cap gains and tax-efficiency?
Replies: 17
Views: 1073

Re: American funds in taxable - cap gains and tax-efficiency?

First they should stop reinvesting dividends and capital gains immediately if they haven't already. That will prevent a the situation from getting even worse. I faced the same situation with my one American Fund and finally decided to sell everything and take the hit. My tax bracket and gains were s...
by Steelersfan
Sat May 28, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Skip company stock purchase?
Replies: 9
Views: 870

Re: Skip company stock purchase?

Thanks to those who replied! Here is some additional information. We can purchase up to 10% of our gross salary per year. You pick a percentage and it is deducted from each pay. The stock is deposited in our accounts every six months and it can be sold once it is in our account. It might not make a...
by Steelersfan
Sat May 28, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Traveling through Albuquerque - safe to stop?
Replies: 50
Views: 4925

Re: Traveling through Albuquerque - safe to stop?

If you have some extra time for day trips, consider Acoma and/or the tram at Sandia Crest. Nice walking trails at the Crest, and there's nothing like a margarita and guacamole at 10,000 feet. 8-) Lev I was there about five years ago and stayed in a very average motel on the edge of town near the pe...
by Steelersfan
Sat May 28, 2016 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Skip company stock purchase?
Replies: 9
Views: 870

Re: Skip stock options?

Go Steelers!! That kind of controversial statement is not appropriate for this forum. :beer I second quantAndHold's analysis. It depends on the holding period. 15% is a no-brainer if the holding period is short or non-existent. If it's a year or less, I'd almost certainly take it (unless I had a re...
by Steelersfan
Sat May 28, 2016 8:31 am
Forum: Personal Consumer Issues
Topic: Traveling through Albuquerque - safe to stop?
Replies: 50
Views: 4925

Re: Traveling through Albuquerque - safe to stop?

Some of the people your wife works with have been listening too much to the wrong talk radio stations.
by Steelersfan
Sat May 28, 2016 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Can we inherit IRAs if not married?
Replies: 31
Views: 2620

Re: Can we inherit IRAs if not married?

One thing for the two of you to consider is to leave your IRA to her and list the children as contingent beneficiaries. If she doesn't need the money in the IRA when the time comes, she can disclaim it and it goes straight to the children. That way they can stretch the RMD's over their lifetimes. If...
by Steelersfan
Sat May 28, 2016 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Skip company stock purchase?
Replies: 9
Views: 870

Re: Skip stock options?

What, if any, company match do you get on your 401k contributions?
by Steelersfan
Wed May 25, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Geico or State Farm - auto insurance
Replies: 19
Views: 1744

Re: Geico or State Farm - auto insurance

J.D. Powers survey tens of thousands of insured people each year. This page has their ratings, broken down by region of the country.

http://www.jdpower.com/ratings/industry/insurance

You might find someone even better than the two you're considering.
by Steelersfan
Mon May 23, 2016 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp: How long do you trust your company?
Replies: 49
Views: 4588

Re: Deferred Comp: How long do you trust your company?

However many of these high income individuals will have other sources of income which use up their lower tax brackets: social security, pensions, maturing savings bonds, RMDs. I suspect the gain is typically less than you have calculated. That's exactly what happened in my case. My tax bracket in r...
by Steelersfan
Mon May 23, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 2474

Re: Running in new pair of shoes

Race day is not the time to try new things. While modern running shoes don't need to be "broken in", your body does need time to become accustomed to new shoes. Changes in cushioning, heel toe drop, etc can stress muscles and joints differently. You certainly aren't gaining an advantage w...
by Steelersfan
Mon May 23, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp: How long do you trust your company?
Replies: 49
Views: 4588

Re: Deferred Comp: How long do you trust your company?

Two things to research on - can one convert NQ deferred savings into an annuity (so far, I'm tending to believe no) and if you join another company, is there a way to transfer deferred savings into another NQ plan without a tax hit (again, unfortunately, I'm thinking no). I agree, no in both cases.
by Steelersfan
Sun May 22, 2016 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp: How long do you trust your company?
Replies: 49
Views: 4588

Re: Deferred Comp: How long do you trust your company?

I worked for a huge energy company but I nonetheless managed my risk like you are considering. Here is what I did: A) Waited until closer to retirement (last 10 years) to contribute to the NQDC plan. B) Limited my total investment to 10% of my net worth, and C) Chose a five year payout after retire...
by Steelersfan
Sun May 22, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2598

Re: Still double checking bank checkbook math?

I did for about 30 years. After never finding a bank error I gave up 10 years ago when I started finding too many of my own errors. :oops: I do check my credit card statements for extraneous entries. I've never found one there either but the credit card companies have notified me several times that ...
by Steelersfan
Fri May 20, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Is Chiropractic Medicine mumbo jumbo?
Replies: 10
Views: 1244

Re: Is Chiropractic Medicine mumbo jumbo?

i think most of it is mumbo jumbo, but in a college gym class we were learning how to do back flips on a trampoline (surely not done today). I "chickened out" when vertically upside down and landed on my back and neck. After few days the pain in my back was serious. For the first and only ...
by Steelersfan
Fri May 20, 2016 6:40 am
Forum: Personal Consumer Issues
Topic: Las Vegas in July
Replies: 34
Views: 3161

Re: Las Vegas in July

I stayed at Excalibur last fall and it's a perfectly acceptable hotel but not one of the luxury ones. The only thing I didn't like about it is that it's all the way at the end of the strip, so if you're planning on walking the strip it's about a mile each way to the middle where many of the large ho...
by Steelersfan
Wed May 18, 2016 7:18 am
Forum: Personal Consumer Issues
Topic: Did your children ever completely move out?
Replies: 53
Views: 4016

Re: Did your children ever completely move out?

All kids left things behind. Ten years later, and with a pending move to a condo, there was a family gathering. They took what they wanted, the rest went to the curb.
by Steelersfan
Fri May 13, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: Legal recourse of UPS "import fees"?
Replies: 10
Views: 1169

Re: Legal recourse of UPS "import fees"?

Here's a long thread on another board that might help you understand what's going on. https://community.ebay.com/t5/Archive-Shipping-Returns/Brokerage-Fee-Due-for-UPS-Delivery-in-the-US/td-p/18623209 It seems like UPS did something you didn't expect but a service was rendered and payment is due. If...
by Steelersfan
Fri May 13, 2016 4:40 pm
Forum: Personal Consumer Issues
Topic: Legal recourse of UPS "import fees"?
Replies: 10
Views: 1169

Re: Legal recourse of UPS "import fees"?

Here's a long thread on another board that might help you understand what's going on. https://community.ebay.com/t5/Archive-Shipping-Returns/Brokerage-Fee-Due-for-UPS-Delivery-in-the-US/td-p/18623209 It seems like UPS did something you didn't expect but a service was rendered and payment is due.
by Steelersfan
Wed May 11, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: When do you use cash, when a credit card?
Replies: 49
Views: 4311

Re: When do you use cash, when a credit card?

Credit card everywhere when the amount is over $20.00.

But at the locally owned stores and restaurants in my town I almost always use cash.
by Steelersfan
Tue May 10, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 6836

Re: Gifted math program for 1st grade

Daughter was in the gifted programs starting in 3rd, maybe 4th, grade. It worked out very well for her. She was with a group of other gifted kids so she wasn't singled out and they got all the regular stuff, just faster and more in depth.

All of that would be important for me.
by Steelersfan
Tue May 10, 2016 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Does the Fixed Income 2 comma club exist?
Replies: 14
Views: 1413

Re: Does the Fixed Income 2 comma club exist?

I'm retired, have a 55%/45% portfolio, and plan to keep it there for the duration.

If my portfolio achieves 2 commas in the FI portion I'll just keep on truckin' and expect it to go even higher.
by Steelersfan
Mon May 09, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose homeowner's insurance?
Replies: 21
Views: 2051

Re: How to choose homeowner's insurance?

J.D. Powers does surveys of thousands of people at a national level. While local companies may provide something spacial, this is a good place to start.

http://www.jdpower.com/ratings/study/U.S.-Household-Insurance-Study-Homeowners-Insurance/652ENG
by Steelersfan
Mon May 09, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is being difficult. Any advice?
Replies: 9
Views: 2129

Re: Vanguard is being difficult. Any advice?

If you succeed to getting Vanguard to bend their rules you might find in future years that issues arise that aren't easy to resolve. Whoever agrees to do what you want will be long gone. Better to go somewhere where it's something they do as a normal course of business, even if it costs you a little...
by Steelersfan
Mon May 09, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is being difficult. Any advice?
Replies: 9
Views: 2129

Re: Vanguard is being difficult. Any advice?

Have you asked them why?

It could be that their back office accounting and custody systems just aren't programmed to handle it, in which case you're SOL. Changing them could require a major rewrite.

If it's a policy decision you might have a chance.
by Steelersfan
Sun May 08, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3774

Re: Email Hacked

They have his e-mail address (which they can spoof) and his address book. So they can send fake e-mails to all his contacts. Not much you can do about it now. Bingo. And the address book may not even be from his computer. If he ever sent a group email out and put the addressees as either recipients...
by Steelersfan
Sat May 07, 2016 7:07 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 4099

Re: Retirees: Who's not changing their AA, ever?

Retired 8 years and expenses are covered by SS and a pension.

When I retired I was at 60%/40% and expected to stay that way for the duration. I've let it drift downward to 55%/45% in recent years. I'll probably stay there, although anywhere in the 50% - 60% equities seems comfortable.
by Steelersfan
Wed May 04, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Insurance
Replies: 38
Views: 3007

Re: Choosing Medigap Insurance

If you're healthy the Medigap Plan F High Deductible is indeed a good plan. but it's not offered in all areas. I had it for one year, then my local BC/BS eliminated it entirely, presumably because they weren't making enough money on it. I have been on their regular Plan F plan for the last two years...
by Steelersfan
Tue May 03, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance - hold or cash out?
Replies: 21
Views: 2167

Re: Whole Life Insurance - hold or cash out?

I won't venture an opinion about what you should do, but your adviser thanks you. He got a nice commission at your expense when he was at Northwest Mutual, and then got another one when he persuaded you to move to Mass Mutual. I hope you have better friends than that who actually have your best inte...
by Steelersfan
Mon May 02, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Medicare help!
Replies: 25
Views: 2751

Re: Medicare help!

Prepare to be confused/overwhelmed by the alternatives and the lack of good, unbiased information that fits your specific situation.

There's lots of good general information that's useful, but the insurance offerings are quite different by state and sometimes within a state.
by Steelersfan
Sun May 01, 2016 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: 500 vs. Total Stock Market Index
Replies: 11
Views: 1384

Re: 500 vs. Total Stock Market Index

Total Stock Market is a bit better but their performance tracks very close to each other.

I've tax loss harvested between the two in the past.
by Steelersfan
Mon Apr 25, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 4518

Re: Pros/Cons of Condo Living?

Picking up on something ladders11 said, you should try to find out how many units in the association are owner-occupied and are likely to stay that way. Mortgage lenders may shy away from associations where over half of the units are rentals. This might not be a problem when you’re buying, but it c...
by Steelersfan
Mon Apr 25, 2016 6:16 am
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 4518

Re: Pros/Cons of Condo Living?

Thank you! How often do common wall maintenance issues or similar arise, and how are these resolved? Say a leak caused by Unit A that requires going into Unit B and doing maintenance work there to fix? That's going to depend on the age, construction quality how well the building has been maintained...
by Steelersfan
Sun Apr 24, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 4518

Re: Pros/Cons of Condo Living?

I live in and am a board member in our 44 unit condo. It's been a very positive experience and I really enjoy not doing yard work and exterior maintenance. The first thing to do is check for any rental restrictions. Many condos have none, many do, and they can be more or less restrictive. Ours has t...
by Steelersfan
Sat Apr 23, 2016 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Million? [Will I get there]
Replies: 41
Views: 5652

Re: Million? [Will I get there]

How much will you contribute to your 401K each year?

That's more important than small changes to your asset allocation.

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