Search found 3111 matches

by Steelersfan
Tue Nov 29, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: Best genealogy organization site/software?
Replies: 8
Views: 827

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: 827

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: 827

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: 7641

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: 726

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: 2296

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: 4112

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: 2327

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: 650

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: 2327

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...
by Steelersfan
Sun Nov 06, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: "Go Fund Me" question
Replies: 7
Views: 1350

Re: "Go Fund Me" question

They charge your credit card immediately. I've made two donations and have seen nothing out of the ordinary as a result. One thing to note: they take about 7.5% of whatever you donate as expenses. That can still yield good results for whoever you're donating to, but it's a really good deal for Go Fu...
by Steelersfan
Tue Nov 01, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement F vs C
Replies: 23
Views: 1329

Re: Medicare Supplement F vs C

Getting into G now means you don't face the uncertainty of not knowing which path will be chosen. Just like so many other Medicare insurance decisions there's no sure way of knowing in advance whether going to G or staying where I am is the better choice. Only time will tell. Personally I'm taking ...
by Steelersfan
Tue Nov 01, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement F vs C
Replies: 23
Views: 1329

Re: Medicare Supplement F vs C

We don't know if they will, and we don't know if they won't. But my thought is from a bookkeeping perspective they might want to keep them separate. Wouldn't throwing a bunch of older grandfathered plan K people more likely to make claims into the G pool tend to raise G's overall cost per subscribe...
by Steelersfan
Tue Nov 01, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement F vs C
Replies: 23
Views: 1329

Re: Medicare Supplement F vs C

... For a $2 difference ($24 per year), I'm sticking with Plan F and I will bring hubby to the dark side with me.... You might want to look at plan G as an alternative to either C or F. Plans C and F will be closed to new enrollees in 2020, and without fresh young blood entering the pool to help pi...
by Steelersfan
Tue Nov 01, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: Any experience with the Osher Creative Retirement class
Replies: 3
Views: 737

Re: Any experience with the Osher Creative Retirement class

I attended OSHER classes at two different universities in my area for several years each. In general the quality was good and I was happy with the experience. Some were excellent, most were good, and a few were not and I stopped attending those after a few weeks. The cost was so cheap it was clearly...
by Steelersfan
Mon Oct 31, 2016 4:05 am
Forum: Personal Finance (Not Investing)
Topic: How Much Do you pay for your Medicare?
Replies: 58
Views: 4350

Re: How Much Do you pay for your Medicare?

My Medigap Plan F plan (I think the most costly since it pays more than the others) is right around $200 a month.

Rates vary a lot by state and even region within state so that may be of little value pricing her plan.
by Steelersfan
Tue Oct 18, 2016 5:54 am
Forum: Personal Consumer Issues
Topic: Should I be nervous about ancestry.com?
Replies: 17
Views: 3833

Re: Should I be nervous about ancestry.com?

I use Ancestry.com... run by the Mormon Church. . I never knew that! And that's a good thing, because it's not true and never has been. Ancestry was started by two people who were associated with the Mormon church a couple of decades ago but they sold it and it is now owned by a private capital fir...
by Steelersfan
Mon Oct 17, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: Should I be nervous about ancestry.com?
Replies: 17
Views: 3833

Re: Should I be nervous about ancestry.com?

I agree with much of what mephistophles wrote, but a couple of different opinions. This from a 40 year genealogist, head of my local 200 member genealogy society, and a six year volunteer at a Family History Center. I'm not Mormon and live in a large metropolitan area with 10,000 Mormons and two lar...
by Steelersfan
Sun Oct 16, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: QDRO advice [Qualified domestic relations order]
Replies: 6
Views: 805

Re: QDRO advice

Are all of these at the came firm? If they are I would wait until the QDRO is signed by a judge, taken to that firm, and do the transfers then so that there's no chance of creating a taxable event. The amounts may be too small to worry about, and both parties (and their lawyers) may not make an issu...
by Steelersfan
Sun Oct 16, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: twisted real estate / condo situation
Replies: 3
Views: 1027

Re: twisted real estate / condo situation

The residential management company is taking direction from the HOA board not acting unilaterally. Management company would not stop paying to the commercial property owner without the board's direction. Have you been to the board meetings? What is the board's attorney saying? Sounds like you need ...
by Steelersfan
Sun Oct 09, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: Retirees: What are your passions?
Replies: 56
Views: 6428

Re: Retirees: What are your passions?

Genealogy, reading, staying physically fit.

I guess I should add: being on a couple of small non-profit boards, but that's not a passion just something I (mostly) enjoy and it gives back to the community.
by Steelersfan
Sat Oct 01, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: Have you ever bought a new car from a dealer?
Replies: 20
Views: 1284

Re: Have you ever bought a new car from a dealer?

Over the last 40 years every primary vehicle has been bought new at a dealer, on average every 4 - 5 years. For about half of that time we had a second car for wife and/or kids. Those were all bought used, usually at a dealer.
by Steelersfan
Sat Oct 01, 2016 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance on a Sticky Estate Issue
Replies: 20
Views: 2621

Re: Guidance on a Sticky Estate Issue

Is the executor in a financial position where he has liquid assets to pay the other two heirs 2/3 of the value of the house?

Or would he even be able to qualify for a mortgage on the house to obtain the required funds?
by Steelersfan
Tue Sep 27, 2016 8:20 pm
Forum: Investing - Theory, News & General
Topic: If you own Vanguard Total Stock Market, do you re-invest dividends?
Replies: 75
Views: 9288

Re: If you own Vanguard Total Stock Market, do you re-invest dividends?

rob wrote:In taxable accounts I never reinvest as it creates too many tax lots.... for tax deferred I always reinvest and just exchange to re-balance as needed.


+1

Good advice as the default option until you know what you're trying to accomplish.
by Steelersfan
Sat Sep 17, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant Background Check and Credit Check
Replies: 23
Views: 1855

Re: Tenant Background Check and Credit Check

Unless there's something in contract or writing somewhere between the OP as owner of a rented out condo, the condo board, and/or the management company, I don't think the OP "must" provide any background info about a tenant. That's my conclusion too. But if you have a lax owner or two or ...
by Steelersfan
Sat Sep 17, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant Background Check and Credit Check
Replies: 23
Views: 1855

Re: Tenant Background Check and Credit Check

We pay our management company $10,000 a year, 5% of our total budget. They collect all fees, pay all bills, put together our budget and track income and expense through the year, oversee our annual audit, hire and schedule all routine and non-routine maintenance, and answer all questions of current ...
by Steelersfan
Sat Sep 17, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Tenant Background Check and Credit Check
Replies: 23
Views: 1855

Re: Tenant Background Check and Credit Check

I live in a condo and am on the condo board. We hare a management company that oversees the property. We have about 25% rentals, down from 50% after we passed a change to our constitution to place limit on rentals. It is up to the owner of the unit to do any background checks, not the condo and not ...
by Steelersfan
Wed Sep 14, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Medigap supplement question
Replies: 1
Views: 318

Re: Simple Medigap supplement question

I'm almost positive they're totally self funded by the insurance company.
by Steelersfan
Mon Sep 12, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care rate increase
Replies: 21
Views: 2050

Re: Long term care rate increase

To demonstrate how inflation effects your decision, in 40 years (if your benefit isn't inflation protected) your $150 today is worth $100 if inflation averages just 2.5% per year. What will LTC cost 40 years from now? Probably multiples of $150 a day.
by Steelersfan
Sun Sep 11, 2016 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Delayed Financing on *condo* purchase - issues?
Replies: 9
Views: 759

Re: Delayed Financing on *condo* purchase - issues?

Another question for any folks that respond to the thread. The condo project I'm interested in is currently not "approved" by the FHA (don't know if FMAC/etc are different) due to majority of condos being rentals. Does that impact the ability to get a cashout refinance, and does it mean i...
by Steelersfan
Sun Sep 11, 2016 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire.Seeking advice for setting up IRA
Replies: 20
Views: 1517

Re: About to retire.Seeking advice for setting up IRA

Flagship does not charge .3%. It's a free service offered to those with assets of $1 million or greater at Vanguard. It gives you a dedicated, experienced person at Vanguard who can assist you but does not manage your portfolio for you. As far as I can tell, they're entirely reactive to your request...
by Steelersfan
Sat Sep 10, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Just answered telephone political poll. Now concerned.
Replies: 49
Views: 5423

Re: Just answered telephone political poll. Now concerned.

If most prudent people don't answer pollsters' calls, how reliable the polls are? Victoria Response rates, i.e. people who answer their phones for political pollsters, have fallen into the single digits. Sophisticated pollsters have learned to adapt. Firms that are new may not have, leading to unre...
by Steelersfan
Sat Sep 10, 2016 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire.Seeking advice for setting up IRA
Replies: 20
Views: 1517

Re: About to retire.Seeking advice for setting up IRA

Vanguard has millions of clients. A few of them will have issues. Many, but not all, will be Vanguard's fault. They will tend to be with complicated portfolios or unusual situations. You'll have none of that if you keep your portfolio simple, per Boglehead philosophy. I've had both my taxable and IR...
by Steelersfan
Tue Sep 06, 2016 7:26 am
Forum: Personal Consumer Issues
Topic: Trip to Germany
Replies: 22
Views: 1991

Re: Trip to Germany

Walkable Munich central lodging during Octoberfest was all likely booked long ago. If you want to be there during that time, I suspect staying further out and using public transit will be your best option. The S-bahn and U-bahn work very well for tourists. Pick a hotel based on how convenient it is...
by Steelersfan
Mon Sep 05, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: genealogy - starting
Replies: 19
Views: 1593

Re: genealogy - starting

Question: is Family Tree Maker back on the scene in a current edition for Windows? My understanding was that it was going away. Ancestry owned it and stopped selling and supporting it. In the spring they sold rights to a third party. The third party said they were getting ready to relaunch and supp...
by Steelersfan
Sun Sep 04, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Trip to Germany
Replies: 22
Views: 1991

Re: Trip to Germany

Oktoberfest in Munich runs from September 16th - October 3rd in Munich so you could make the first two days there. It's quite a scene if you're into crowds, loud music, drinking and a lot of fun.
by Steelersfan
Sun Sep 04, 2016 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Pension meets my needs. Skip bonds?
Replies: 26
Views: 3006

Re: Pension meets my needs. Skip bonds?

In a similar situation, I've decided 55% equity/45% bonds lets me sleep comfortably at night and gives my portfolio enough equities to get most of the possible gains from a higher equity allocation with less of a roller coaster ride.
by Steelersfan
Sun Aug 21, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 10164

Re: Favorite Restaurant Stop on Road Trips

Cracker Barrel is first choice.

Bob Evans or Denny's (where they're available) if I can't find one when it's time to chow down.
by Steelersfan
Sun Aug 14, 2016 7:22 pm
Forum: Personal Consumer Issues
Topic: bifiocals vs progressive lenses - value/cost
Replies: 20
Views: 1384

Re: bifiocals vs progressive lenses - value/cost

After many years of single vision I went to bifocals for maybe a decade. Then trifocals for about five years then progressives. It took at most a day or two to adjust the first time and I've been very happy with progressives. I've had to change the prescription every 3 - 4 years and never gave a tho...
by Steelersfan
Sun Aug 14, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Condominium Funds
Replies: 20
Views: 1566

Re: Investing Condominium Funds

I can't believe you're even thinking of investing condominium funds in the equities market. Most state statutes including Florida, have strict limitations on the investment of condominium funds and I doubt if any permit equity investments. Gill +1, from a person that's been treasurer of a condo boa...
by Steelersfan
Fri Aug 05, 2016 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Income the year before Medicare
Replies: 11
Views: 1290

Re: Income the year before Medicare

If you have what they call a "life-changing" event, you try to appeal the IRMAA. I did that successfully this year, since I sold my business in 2015. There's a form to fill out, of course, and you should fill it out and take it to your local SS office, along with your supporting documenta...
by Steelersfan
Sat Jul 30, 2016 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 6 months ...Why should I pay $13,500/year to a Financial Advisor?
Replies: 43
Views: 4836

Re: Retiring in 6 months ...Why should I pay $13,500/year to a Financial Advisor?

Investing is easy - do it yourself. Tax returns may be a little harder - but lots of Bogleheads do them themselves as well. I do. Pension/SS income mgmt, Taxes, Sequence of withdrawals - you've got years to get ready for that. Study up and see what you think in a few years. I bet you, with some help...
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: 2445

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: 4178

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: 4738

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: 1692

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: 1692

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: 1378

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: 2296

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: 5678

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.

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