Search found 3054 matches

by Steelersfan
Sat May 28, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Skip company stock purchase?
Replies: 9
Views: 802

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: 40
Views: 2884

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: 802

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: 40
Views: 2884

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: 20
Views: 1287

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: 802

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: 1567

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: 47
Views: 3825

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: 2219

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: 47
Views: 3825

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: 47
Views: 3825

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: 2348

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: 1170

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: 2932

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: 3741

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: 1088

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: 1088

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: 4032

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: 6513

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: 1316

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: 1842

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: 1987

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: 1987

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: 3539

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: 3834

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: 23
Views: 1476

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: 2078

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: 2574

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: 1217

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: 4260

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: 4260

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: 4260

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: 5520

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.
by Steelersfan
Fri Apr 22, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Income AMount
Replies: 10
Views: 1735

Re: Retirement Income AMount

I could.

You may or may not, depending on your lifestyle choices.
by Steelersfan
Fri Apr 22, 2016 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Financial Plan Provision for Flagship Customers Discontinued?
Replies: 22
Views: 2341

Re: Annual Financial Plan Provision for Flagship Customers Discontinued?

The personal representative service may be gone but when I log onto my account I still have named Flagship Representative with his name and phone number.

I've never used him since I think I get better advice when I post here.

So if he went away I wouldn't miss that either.
by Steelersfan
Tue Apr 19, 2016 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect kids from losing inheritance in case of a divorce
Replies: 29
Views: 4424

Re: How to protect kids from losing inheritance in case of a divorce

In California, inheritances are considered the sole property of the spouse inheriting the assets. There are 49 other states in the union that your kid (or their spouse after a separation) could move to.:) Actually I think it's true that most (but certainly not all) other states consider it separate...
by Steelersfan
Sat Apr 16, 2016 4:02 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy part F Medicare?
Replies: 28
Views: 1998

Re: Where to buy part F Medicare?

Be aware that AARP's rates are discounted by 30% the first year and increase 3% for each of the next ten years, added to any other changes (up or down) that their rates might incur. What looks cheap today might not be so cheap in the future. At that point you would have to undergo medical underwriti...
by Steelersfan
Thu Apr 14, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: NQDC
Replies: 6
Views: 569

Re: NQDC

Not only do they come in many flavors, but there were regulations changed a number of years ago that put serious restrictions on the changes you can make to your choices for future distribution elections. You can maybe stretch them, out but can't make them happen faster. As far as I know, you still ...
by Steelersfan
Tue Apr 12, 2016 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: NQDC
Replies: 6
Views: 569

Re: NQDC

As stated, check the documents. For the NQDC plan I was in, if I had left the company before retirement the entire amount would have been distributed as income in one year, no way around it, no way to save on taxes. I had been with the company well over ten years. If I had been terminated, my payrol...
by Steelersfan
Mon Apr 11, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: IRS cashed unsigned check
Replies: 40
Views: 4329

Re: IRS cashed unsigned check

With the rise in depositing checks at ATMs, I've noticed that they strictly honor the numerical amount field, and not the written amount. That's because those checks usually bypass the branch tellers and are processed by an electronic optical reader in the main office that locates the box with the ...
by Steelersfan
Thu Apr 07, 2016 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: IRS cashed unsigned check
Replies: 40
Views: 4329

Re: IRS cashed unsigned check

It's doubtful any bank person looks at the signature on a check these days unless it's a REALLY large amount, unless you're cashing it in a branch. A person at the IRS might, but if everything else checks out I doubt if they care, and know it's something that happens to them thousands of times a day.
by Steelersfan
Wed Apr 06, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fee for setting up trusts
Replies: 11
Views: 799

Re: Fee for setting up trusts

On principal, I would never choose a firm who's method of soliciting clients is to pay for 50 dinners and hope to get one or two serious prospects out of it.
by Steelersfan
Wed Apr 06, 2016 8:46 am
Forum: Personal Consumer Issues
Topic: Out of state wills and trusts
Replies: 10
Views: 740

Re: Out of state wills and trusts

At least in my state, and I believe other states as well, there's no registering of a will. I keep the original in my (mostly) fireproof safe. The lawyer who wrote it has a copy as does my future executor. Could my lawyer find it if he had the original? I'm not sure. Probably. He changes law firms e...
by Steelersfan
Tue Apr 05, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: Paying for kid's graduate school?
Replies: 49
Views: 3673

Re: Paying for kid's graduate school?

I'd be inclined to help with his Masters and send him to the better school as long as you are satisfied it's really that much better and that his chances of success are real. That last part is probably hard for a parent to figure out. Music is such a competitive field that any edge would be worth it...
by Steelersfan
Tue Apr 05, 2016 4:42 pm
Forum: Investing - Theory, News & General
Topic: Tony Robbins Joins Advisory Firm
Replies: 27
Views: 3332

Re: Tony Robbins Joins Advisory Firm

For someone who doesn't know the All Weather Portfolio (I didn't), here's a description and how it back tested over two different time frames.

http://awealthofcommonsense.com/2014/11/back-testing-tony-robbins-weather-portfolio/
by Steelersfan
Tue Apr 05, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 72
Views: 5837

Re: Genealogy

Men lie about their ages for other reasons. Two I've seen: On draft registrations, to make themselves older so they can sign up, or make themselves older so they can evade it. If they are much older than their wives, to escape a sigma that might be associated with such an age difference, by making t...
by Steelersfan
Tue Apr 05, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 72
Views: 5837

Re: Genealogy

Did I mention this here? If you are in the Midwest, the Allen County Public Library in Fort Wayne, Indiana is a remarkable genealogy resource. Well worth a visit in person. http://www.genealogycenter.org/ IMHO, their curated collection surpasses what you will find at the Library of Congress, and pe...
by Steelersfan
Tue Apr 05, 2016 10:15 am
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 72
Views: 5837

Re: Genealogy

Ancestry.com is expensive, more so if you want "world" access which includes Britain, Europe, etc. You may be able to get access at libraries, LDS Family History Centers, etc. They often offer "free" or low-cost access for a limited period. They may also have a 30-day free trial...

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